Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was robbed at XXXX XXXX XXXXXXXX XXXX hiking in XXXX XXXX, XXXX. My cross body was sliced from my chest after being XXXXXXXX XXXX knocked down by a large male who did not speak any XXXX. In that cross body, contained my XXXX ( which had my Wells Fargo app downloaded onto it as well as email app ), drivers license, cash, debit, and credit card. My bank was notified immediately after the event, on XX/XX/XXXX that I had been robbed at XXXX and my debit card that was stolen was cancelled. On XX/XX/XXXX, I received a suspicious email from Wells Fargo saying that face ID had been enabled. This was not me. I did not authorize this. Then I got a code via email to verify my identity. This was not authorized or initiated by me. Next thing I know, a new recipient was added to my XXXX account ( my XXXX interface is built into my Wells Fargo app ). I did not authorize this, and I have never met or heard of the name of the the XXXX recipient. Next thing I know, the entirety of my checking and savings account was XXXX in the form of 3 separate payments to this individual. I did not authorize, nor did I send any of this money. Immediately following I called and filed a fraud claim. Since filing that claim, it has been denied, as well as denied again during every attempt I have made to appeal it. I have repeatedly been hung up on and they refuse to discuss why my claim keeps getting denied. I have also filed an FTC ( Federal Trade Commission ) claim. Atached you will find the police report I filed in XXXX in the following days after the incident as well as the suspicious email alerts I received from Wells Fargo regarding the XXXX transactions that were not authorized or done by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78705
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I started receiving emails from Wells Fargo on XX/XX/XXXX about my contact information was changed and my checks are the way in mail. I do not have a checking account or savings account with this company ( Only a credit card ) ; therefore I called this company as I suspected fraud. After 1hr on the phone all that was accomplished is they said there may have been an error and they would take the email off that account. I then received another email to a different email I own saying my information was updated. I also received an email thanking me for visiting a branch in South Carolina when I live in Florida.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a business account that went delinquent. I was advised by a banker I had 90 days to bring current. I brought account current on the XXXX day. Went into the Bank to reopen account after hardship and was denied to reopen account. I explained and ask to have them pull the call on situation and was still denied access to reopen account. I felt this was unfair due to the misinformation that was provided to me was not my fault. I felt Wells Fargo charge me the fees and put this on my banking credit profile and didn't honor the mistake of their own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Firstly, I paid My state of XXXX. state income taxes. They never received a payment from Wells Fargo Bank. Secondly, I made a payment to XXXXXXXX XXXX XXXXXXXX XXXX, who also didn't receive money withdrawn from My checking account. XXXX XXXX credit card # XXXX XXXX XXXX XXXX. Lastly, Wells Fargo brokerage illegally transferred stock certificates to XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX without My permission. Kindly audit My brokerage account for illegal activities on the part of Wells Fargo Bank. The brokerage account number is XXXX Wells Fargo Advisors . Inconclusion Their are times when ; The fund I invested should have made XXXX gains, but it decreased in value. I question If shares were transferred to conceal someone stealing from My account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: on XXXX I submitted an online request to redeem rewards {$210.00} to personal checking account. the online system stated " Congratulations! Your rewards have been redeemed to your account. '' No other information provided. No delay or timeframe stated. I checked again XXXX, but same result. {$210.00} not credited to account. This appears to be yet another exampe of well fargo systems not accurately disclosing facts and details of results ( I have submitted many internal reports to wells fargo of system problems, glitches, and misrepresentations ). I called rewards department and they immediately disclosed that online redeeming can take 5 to 7 days ( business days? ) I requested several details including a ) why system shows as processed on the rewards site and available ( very opposite of what rep told me ), b ) why delayed, why not automated, why not staffed properly? As usual I received no useful answers to any of my questions. I explained I was filing a complaint and they offered to transfer me to file a complain, but that transfer simply took me back to the same queue ( which happens most of the time ). I find wells fargo lack of attention to detail and having their online systems glitch and totally misrepresent what I am told on the phone, unacceptable. They need to seriously hire a competent group to go through the website and these types of complaints and investigate glitches and disclosures and correct. It is concerning a bank can get so much wrong on the their systems. Another example is online balance tranfser request for new credit card. I was misinformed via phone I could initiate balance transfer while new card was in transit ( in XXXX ). when system would not allow and they could not due via phone, I escalated. Supervisor informed me it is NOT possible until card received, and rep totally mis-informed me. In XXXX, i did to 1 balance transfer online, but several follow-up attempts to do another transfer failed over the next week. Phone support couldn't explain why system locked out online balance transfers even days after earlier transfer was processed. I filed wells fargo complaint via phone, and system finally unlocked days later, but follow-up on details could not be explained by Wells Fargo XXXX I have the impression Wells Fargo doesn't follow-up or track these system problems due to lack of information I could obtain on the types of problems with follow-ups days and weeks later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 there were three unauthorized transactions from my accounts : 2 outgoing wires and one XXXX transaction. I have been told these transactions were done using my deceased wife 's login credentials. I tried to stop these transactions immediately after the first one but multiple mistakes by Wells Fargo allowed additional transactions. Through the dispute process they have reversed one wire and determined the XXXX transaction was fraud but will not refund the second wire in the amount of {$3900.00}. Given they agree that some is fraud I also want the {$3900.00} refunded. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55417
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I contacted Wells Fargo Bank to make a complaint about a scam that I got reeled into when I applied for a job online and it turned out to be a scammer behind it ( mind you, I am XXXX XXXX XXXX, on social security and was looking to find a part-time job to supplement my Social Security XXXXncome ). I asked for their assistance in investigating and refunding the money I lost which was approximately {$22000.00}. Wells Fargo summarily took my information on the XXXX and closed the investigation on the same day. It seems to me that they did not investigate anything but did proceed to tell me that I would not be refunded my money. Although I explained to them that I was a 40 year customer of the bank who had never had a negative balance or a returned check, they still maintained that it did not matter as I was responsible for the scam, therefore unwilling to refund my money ( why would I be responsible? I didn't do anything wrong except to believe the clown I was communicating with via text! ). I informed them that the bank has a fiduciary duty to refund monies to bank customers that have been scammed as well as an ethical one. Didn't make any difference as they refuse to refund my monies. I was transferred to different departments with the same results. ( Mind you none of Wells Fargo employees gave a XXXX XXXX about my predicament with the exception of 2 that were kind enough to take down my complaint in detail ). I wound up writing 3 letters to Wells Fargo ( sent them via email and had the email address to the CEO blocked so I could not send him a follow up email. I was summarily referred to their other offices for their investigation. To date, I still have not received a dime of my money. I received a letter from XXXX indicating that they apprised me that a large wire of {$4900.00} seemed fraudulent, but they allowed the wire to go through. Had they NOT allowed the wire to go through, it would have arrested this whole situation before it got to the point that it had! They indicated they had a recording wherein I was apprised that the transaction looked fraudulent, but when I asked to hear the recording, was told that it was Wells Fargo property and that I would not be able to do so. Today is XX/XX/XXXX and I'm still wrangling with the bank to do what is the lawful thing to do. To them, Elder Abuse does not pertain to this matter and neither does the law! I have been referred to their executive office on the XXXX XXXX and will call them Monday, the XXXX. In the meantime, I am back to searching for a job praying to XXXX that the next opportunity does not put me in this predicament!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had over XXXX XXXXXXXX ( {$5300.00} ) stolen from my Wells Fargo account through multiple XXXX XXXX transactions that was never authorized by me through a passcode on my phone or XXXXXXXX XXXX to be sent out & no evidence it was actually received by the recipient ( my girlfriend ). After 10 days of research into my fraud claim, Wells Fargo said my claim was denied despite them failing to provide evidence through texts ( on my end or my friends ) that the money was sent and that the money was deposited in the bank account ( XXXX XXXX XXXXXXXX ) of my girlfriend. If an XXXX XXXX payment is not accepted within 7 days, its sent back. That never happened. They couldnt explain that either. If that money was deposited in my girlfriends account, this wouldnt be that big of a deal. Id just have her transfer the money back. This is thievery. Ive been with Wells Fargo for almost two decades and this is how they treat their customers They told me there was nothing else they could do and pushed me to either get the police involved or contact XXXX who would just tell me its a bank issue. They are blame shifting and have put me in a really terrible spot financially I just bought a ring and Im getting ready for a wedding too..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: So its my understanding that Wells Fargo has done some shady things in XXXX of 2022 they closed my account because they think Im at risk and I told them I had a XXXX and they still denied me to have my account back I mistakenly reported some charges that I did no intend to do that it was childish of me to do that but I begged them to keep my account active they chose not to have me on their account as I had multiple complaints on the account from the fraudulent charges from XXXX XXXX that was closed I tried to explain the situation to the representative that I had a XXXX and they didnt care to have to listen to what I had to say my father passed away back in XXXX of last year and I tried to explain to them I was going through a hardship with my father already dead and wanted to take those reported charges off because I have a XXXX XXXXXXXX and it was totally handled unprofessionally I really would like some relief for them closing my account for their behavior towards me Wells Fargo could have handled it better it was an honest mistake for reporting the charges on accident and they still didnt care that I had a XXXX and handled it the wrong way I would like to have a relief check to compensated me for all this chaos and I have turned in a mediation request form and Im still waiting for a reply or a response Im hoping some one will call me sometime this week to discuss this matter I have a XXXX XXXX called XXXX and have had a rough time with coping with things I been with Wells Fargo for 9 years until things got messed up and now that Im hearing that Wells Fargo got in trouble again for closing peoples accounts in an sec complaint and thats totally wrong very wrong I was in the same situation before and nothing was done or handled properly so Im hoping for a compensation check my old account number is XXXX Im very upset how Wells Fargo treated a XXXX man very wrong the federal court stuff is all over I just want some compensation for the trouble they gave me and hurt my feelings by closing my account Im not to happy with all that and the court stuff is dismissed so we need to take care of this matter soon thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A