Date Received: 2023-08-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I bank with Wells Fargo. On XX/XX/XXXX, I had two posted transactions, a XXXX deposit from XXXX, and a XXXX charge from XXXX. My ending balance on XX/XX/XXXX was XXXX, meaning that my ending balance on XX/XX/XXXX was XXXX. On XX/XX/XXXX, a transaction for XXXX and a transaction for XXXX were both posted by XXXX, however they were pending transactions that were not authorized until XX/XX/XXXX, putting my account at a deficit of XXXX on XX/XX/XXXX. However, I received a deposit of XXXX, putting my account at a positive of XXXX, which was then used at XXXX, putting my account at exactly XXXX, with no overdraft end items. I am positive that there were no overdraft end items, as the posted overdraft at the end of XX/XX/XXXX was XXXX, and my account balance was XXXX. On XX/XX/XXXX, I had called Wells Fargo, who told me that the charges by XXXX were authorized and posted on the XXXX, which my own bank statement shows is wrong. Furthermore, Wells Fargo has an Extra Grace Day policy, that they will first notice the account owner about an overdraft end account, in which they get an extra business day until midnight to restore the account to a positive balance. I had received a notice on XX/XX/XXXX that I had overdrafted on Friday, however when checking my account I was in the net positive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Missing information unavailable to fully verify the debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I ordered a credit card from Wells Fargo bank by regular mail and never received it Meaning someone retrieved it and used it and made purchases I asked for another card so they would fedex to make sure I get it this time and I activated it They are accusing me of activating it with my phone but I activated the second card with my phone not the first one that I didnt receive The fraud transaction was on XX/XX/2023 but I received my card after that date The bank refuses to overturn their decision to reverse the charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 I am submitting this complaint to express my serious concern over the handling of a fraudulent transaction on my Wells Fargo credit card, which I believe has not been investigated diligently or rectified appropriately. On XX/XX/2023, an unauthorized transaction was posted to my credit card account. This transaction was not made by me ; nor did I authorize it. By the time was I was able to thoroughly review my bank account ( 6 different business accounts, and 4 different credit cards, all with multiple big ticket transactions daily ) It was XXXX, Almost 2 and a half months later. My accountant had requested that I help categorize a out of place transaction. Immediately I realized that I had been stolen from. Upon noticing the fraudulent charge, I immediately notified Wells Fargo and disputed the charge. Shockingly, Wells Fargo 's subsequent communications were significantly lacking both detail and transparency. I finally received an actual letter from wells fargo on the XXXX of XXXX. Their response letter did not contain the claim number, nor did it reference the fraudulent transaction under dispute. These omissions obstructed my ability to understand the status of my case and added unnecessary confusion to the situation. And even more confusion has been added now that wells fargo has changed my account number, yet placed the previous fraudulent transaction once more on the new account with now a new date, the XXXX of XXXX. Now without any access to a claim number, I am denied any help from wells fargo customer service, because my transaction in question is different and on a different account number. I am completely in shock with the pure lack of empathy or communication from wells fargo. At the conclusion of their initial investigation, I was informed that the investigation was complete, and that the disputed transaction was determined to be authorized by me. This perfunctory, impersonal communication gave an impression of the matter being treated dismissively. It seemed as if the letter was hastily copied and pasted without due regard for my specific circumstances. I was decleared responsible for the payment of this unauthorized transaction and my case was closed. As per the Fair Credit Billing Act ( FCBA ), a federal law designed to protect consumers from unfair billing practices, I have the right to dispute unfamiliar charges and expect a thorough investigation of the matter. Wells Fargo 's conduct in this situation appears not only unprofessional but possibly non-compliant with the act 's mandates. I kindly request your intervention in ensuring that Wells Fargo adheres to all FCBA stipulations during their reinvestigation of this disputed transaction. Thank you for your prompt attention to this matter. I trust that you will oversee that this matter is resolved swiftly, respectfully, and with full observance of my rights as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79109
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: A Courier service called stating that legal action was placed against me and that if I needed more info to call a certain number XXXX. I was also provided case # XXXX. When I called the number a person answered the phone by the name of XXXX XXXX and stated that I had an unpaid debt from Wachovia 8 years ago and it would need to be paid before signing legal paperwork that was to be sent to me. If signed then I would need to go through the court system. I informed the caller that I would call back regarding the debt and he provided his personal number at XXXX. After checking my bank information as well as knowing that Wachovia was sold in XXXX. I realized I had been with another bank since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX and XXXX, XXXX, I received a response from Wells Fargo saying a refund for the wire transfer scam that occurred on XX/XX/XXXX was denied. The scam occurred through the Wells Fargo customer service phone line, where the scammer had access to multiple facets of my personal information. I ultimately lost. {$13000.00} due to this number spoofing scam. I spoke with XXXX Office Complaint XXXX XXXX XXXX days after the original denial, and though his examination of my complaint was thorough, he did not address ALL of my issues, nor was there a proper resolution to my problem. I am requesting to speak with a new XXXX preferably someone higher up to solve this issue that was not addressed. The main issue that was not mentioned throughout the resolution email was the fact that Wells Fargos customer service number was the main impetus behind the fraudsters scam. It is under Wells Fargos agreement that : Wells Fargo may automatically send you certain alert messages via email, text message, push notification, and/or by other means, including to your mobile device or to any phone number you have provided to us. This means that the establishment is aware that their main mode of communication with their consumers is through the consumers phone number and/or email. This also implies that the establishment holds BOTH their customer service phone number and their consumers phone numbers/other contact information as sacrosanct, as it is the only way for Wells Fargo XXXX XXXX and respond to consumers when an issue arises. Because it appeared as though the trusted Wells Fargo number was contacting me, I was under the impression that my conversation was safe and secure because, as stated above, this is how your business contacts people. Not only was this trusted number spoofed, but there was clearly a breach of my information, as the scammers were well aware of my account information and connection to Wells Fargo, ergo the bank is responsible for their lax security surrounding their contact number and for my information being made so easily accessible. My number is supposed to be secure and safe within your domain, meaning no one should be able to contact me from any of YOUR ( Wells Fargos ) lines without being Wells Fargo themselves! To make matters worse, Wells Fargo has a history of defraudment of their OWN consumers : https : XXXX XXXX, how am I to know this was not some inside job? This information further proves my point that the institution is not on my side, nor have they presented themselves as a reputable establishment that cares for their customers in their time of need, despite THEIR lack of security. Ultimately, if your security is so lax that your primary form of communication is able to be breached, why am I the unsuspecting consumer being held responsible? How am I at fault for something that the establishment needs to get a better handle on? I am once again asking for the return of my stolen money posthaste as this money is needed for me to be able to pay rent and medical bills. I recently was involved in an accident which left me with a broken XXXX XXXXXXXX, and the fact that Wells Fargo, the establishment that I have been a part of my entire adult life, does not care about my money, my moneys wellbeing, or my own wellbeing is appalling. To say I am responsible for an issue that could have easily been avoided by the bank itself clearly shows that this bank does not prioritize the safety and security of its consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: On today XX/XX/2023 XXXX XXXX XXXX came to my residence @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. Stating that he wanted access to my roof because my residence was sold to a XXXX at the XXXX XXXX XXXX on XX/XX/2023. In which I knows absolutely nothing about and theres supposed to be some kind of Loan Modification Agreement between myself and Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I wanted to apply for a car loan with XXXX XXXX XXXX. However, I got a letter in the mail on XX/XX/XXXX from them saying that they were unable to offer credit to me because my credit score was low. Their reasoning was that I had an insufficient credit score, serious delinquency, ratio of balance to limit in bank revolving or other rev accounts too high, and the time since delinquency is too recent or unknown. I want to dispute this because my credit score is lowering for a credit card that never arrived to my house. I need you guys to please get in contact with XXXX to resolve this. Their phone number is XXXX. If this goes not get resolved, I will take legal charges because my credit went from a XXXX to a XXXX for no reason. I would like a response as soon as possible as to how this can get fixed. I also talked to a representative from your company like a month ago and she offered to return my XXXX dollars that I deposited for a fee of a card I never used. I received that check and I deposited in WellsFargo Bank. Thank you and have a great rest of your day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to file this please as my formal complaint to WELLS FARGO BANK CAR for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I would like to give you my opinion after 2+ years of experience in contact with Wells Fargo Customer service about the same issue that never resolved yet. This complaint is about THE WELLS FARGO CUSTOMER SERVICE. I was told in writing buy Wells Fargo So calle d ECMO ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. ( EXECUTIVE COMPLAINT MANAGEMENT OFFICE ) which IS NOT Wells Fargo Bank, to answer the complaints of the customers without any supervision or management by Wells Fargo. The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer 's information, anyone who has access to their homes will have access to their computers and then will have access to our accounts. Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolution, all thy can do is copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it. Those ECMOs makes it more interesting when they send you an answer for someone else 's complaint or when they sound drunk or sleepy in their answers. And I do not thing a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers. DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE 'S RESIDENTS ALL OVER THE WORLD? What do you expect from this bank who does not even have an email address for their customer service in this 21th Century! Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a subcontractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A