Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've contacted Wells Fargo multiple times via phone and written letter. Currently on my credit reports showing inaccurate payment history. This is affecting my ability to obtain new lines of credit and life and need to be updated accordingly. I have kept this account current with no foreclosures or 3rd party collection agency being involved. The house was sold and the loan paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
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: Deposits and withdrawals
Consumer Complaint: Wells Fargo Bank consistently reorganized transactions in my account so that they could put my account in the negative and charge me overdraft fees, multiple fees at once, resulting in large negative balances, for ing me to pay fees to bring my account back to good standing, they refused to help and consistently claimed they didnt reorganize the account transactions but I saw it happen on multiple occasions. My direct deposits would often reorganized as well and then phantom charges to my account would be made as to incur an overdraft fee and then the date for said phantom charge would changed. Seen this on multiple occasions. Wells Fargo would consistently leave me on hold for up to an hour or longer in hopes that I would get frustrated and hang up and not got the situation handled. would continue to try and use the account for my payments like phone car insurance, etc and would incur late fees because of this from other companies because of this. They closed my account without consent last year while I was waiting for them to resolve a complaint I filed with them regarding these very issues we are discussing here. All of this occurred between XXXX and XXXX of 2022 and was a weekly occurrence. It was too blatant how they did it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
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: Deposits and withdrawals
Consumer Complaint: I was recently approved for SSA XXXX XXXX Social Security issued a payment for back payment in the amount of {$32000.00} on XX/XX/23, which I received from U.S. Department of the Treasury Bureau of the Fiscal Service on XX/XX/23. I went into Wells Fargo branch # XXXX XXXX to deposit the check on XX/XX/23 at XXXX. At XXXX on XX/XX/23 I received an email from Wells Fargo informing me that they would be closing my account by XX/XX/23 " because of one or more checks deposited to or cashed against your account suspected to be altered ''. On XX/XX/23 I went to the same Wells Fargo branch to discuss the matter, where I was informed that the check from the Bureau of the Fiscal Service I deposited " did not look like other checks they have seen ''. I was humiliated in front of other bank customers as they loudly told me this ( treating me as if I was a criminal ). I was told that they could not help me or discuss anything with me and was told to call the number on the back of my debit card. I called the number while I was in the branch and was given a complaint of litigation number XXXX ( Reference # XXXX ). My account is frozen and am unable to view the deposited check or make any transactions. All funds in the account are frozen. I have no access to any money. Any payments I had scheduled immediately before and after depositing the check have been stopped. Late payment fees from many creditors have been charged due to this. I made numerous attempts to contact Wells Fargo Fraud Prevention Department for assistance to no avail. On XX/XX/23, I called the WF Fraud Prevention Department again and was treated very rudely by a representative named XXXX, who interrupted my mid sentence by transferring me to another representative name XXXX. I was informed that I can not get the check back and that they were returning the check to U.S. Department of the Treasury Bureau of the Fiscal Service that my account will close by XX/XX/23. I asked XXXX why I did not get any calls or texts regarding the suspicious activity ( as I had in the past ) BEFORE my account was frozen. She told me that two calls to me were made on XX/XX/23, which I did NOT receive. She verified my phone number and I reiterated that I did not receive any calls PRIOR to the email sent on XX/XX/23 stating that my account was going to be closed. On XX/XX/23, I contacted Bureau of the Fiscal Service, who can not give me specific information on the check issued. They asked me to ask SSA for proof of payment. Bureau of the Fiscal Service also told me the the bank should have called them to verify validity of the check ( that Wells Fargo just needed to provide a serial number on the check to verify that it's not fraudulent ). Wells Fargo refuses to tell me how they determined that the check I deposited was altered or fraudulent, so I doubt that they contacted Bureau of the Fiscal Service at all. I went to my local SSA office to get proof of payment. They provided me with my Notice of Award letter, which shows the back payment amount of {$32000.00}. As of today, no one has received the " returned '' check, so I can not ask for reissue of the check from SSA. I waited a year and a half for SSDI payments and have suffered financially due to loss of income in all that time. I am XXXX and this situation has caused me great emotional, mental and physical pain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive tried to reach out via all three credit bureaus to have them confirm and remove this that that isnt mines! The company is reporting that theyve certified that this debt belongs to me without proper proof. I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few hard Inquiries on my Credit that Im not aware of such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34207
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo Bank Account holder in the XXXX. They charged me excessive overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Greetings. I hope this letter finds you well although these are not the most desired circumstances. I was not planning on taking it this far initially. I searched the web to see if what I was going through had happened to others. Sure enough, I found countless cases of Wells Fargo closing consumer accounts after reporting fraud. With that information, I just put my head down and vowed to never bank with Wells Fargo ever again. 4 months later and I am still suffering the effects of foul acts done by Wells Fargo. By me quitting I knew I would be doing exactly what they would like to see. I would then become one less " issue ''. On the morning of XXXX XX/XX/XXXX, I woke up and saw the notification on my phone that {$5000.00} was removed from my checking account. I immediately click the notification and it takes me to the WELLS FARGO app. I looked further into the Transaction Description and it showed that it was authorized on the XXXX of XXXX but was not posted until the next day, which was the XXXX. Following that I proceeded to call the Fraud department. On XX/XX/XXXX, after waiting roughly 30 minutes I was connected to an " agent ''. I gave all of the information that I could and also answered all the questions asked by the agent. I was then told my claim would be processed. I then received confirmation. On XX/XX/XXXX, I received a letter. Below are the EXACT words. Dear XXXX XXXX : We have completed our research of your inquiry about charges of {$5000.00} on your account. Based on the information available to us, we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making our decision, please call us at XXXX, Monday - Friday, XXXXXXXX XXXX. to XXXXXXXX XXXX Eastern Time. We can provide language assistance services, if you prefer. Thank you. Claims Assistance Center ATM/Debit Card Claims Following that response, On Monday XX/XX/XXXX. I immediately called the number listed. I then requested for copies of " available documents '' that were relied upon in making their decision. ( Per their letter above ) - I was told that they were not available to be sent to me. XXXX On that same phone call. I then asked why they were closing my account. - I was then told it was because I had made too many claims. I found that odd because that was my FIRST EVER claim. Even then, I would never just wake up and choose to submit such a claim. - I was then told by the agent that I would receive a letter as to why it was closed if I would like. I said yes. Below are the EXACT WORDS that were enclosed in that letter. ( I also still have the physical letters on hand ) Subject : Closure of your deposit accounts : Account number : XXXX Dear XXXX XXXX : Wells Fargo performs ongoing reviews of its account relationships in connection with the Bank 's responsibilities to manage risks in its banking operations. We recently reviewed your account relationship and, as a result of this review, we will be closing your above referenced accounts because we have made a business decision to end your account relationship because of a pattern of security risks. The accounts are expected to close by XX/XX/XXXX. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. After receiving that letter I was in complete shock. I felt defeated. XXXX - Today I requested those documents ONCE AGAIN that they " encourage '' you to request if you would like to review them. The documents that they " relied '' upon in making their final decision that is. As you may have guessed. I was given nothing and told that they were not available. If they will do this to a veteran. They will do this to you. That for now concludes my experience with Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have a tax levy on my account with Wells Fargo. Not their problem. However, I only had {$650.00} in the account and they released the money to the state even though I am in California and it was a XXXX XXXXXXXX. California law says you cant take out money if theres less than {$1800.00} in the account. XXXX XXXXXXXX says you cant do it if less than {$3000.00}. My balance is {$0.00}. And now its negative - {$400.00} by tomorrow because of bills due. I have zero ability to deposit money because the levy is good for a certain amount of days. The levy is not the banks problem but they are not supposed to execute that order with insufficient funds. My attorney agrees. I received zero notice from Wells Fargo. That should be against consumer law. We should all have the right to correct situations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
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: Money was not available when promised
Subissue:
Consumer Complaint: Good afternoon, on XX/XX/XXXX, our company made a payment of XXXX USD ( XXXX ) it was sent through a correspondent XXXX XXXX XXXX XXXX XXXX, XXXX XXXX to an intermediary bank WELLS FARGO BANK, N.A., New YORK. According to the XXXX XXXX, the payment was delayed by WELLS FARGO BANK, N.A., XXXX XXXX XXXX XXXX XXXX. These receipts are attached. Date of receipt..... : XXXX XXXX XXXX XXXX XXXX : The text of the message... XXXX XXXX // XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX The refund is always made via the reverse chain of banks, i.e XXXX through American banks. Due to the US blocking sanctions imposed on XXXX XXXX XX/XX/XXXX and the termination of settlements with XXXX in the USA , our payment was blocked. After the bank blocked it, a recommendation was made to contact OFAC to obtain a License to unblock the payment. We applied for a license and it was assigned the registration number XXXX XXXX, it was received on XXXX, and it was assigned the case number in XXXX. After that, on XX/XX/XXXX, a Sanctions and Licensing Officer from the Licensing Department of the Office for Control of Foreign Assets contacted us and asked if we wanted to return this money back or send it to the recipient 's bank, which is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to which he was given the answer that the money should be sent to the final recipient this payment. From that very moment, i.e. from XX/XX/XXXX to the present day, our payment has not been returned to the sender 's bank and has not been delivered to the recipient 's bank. We would like to ask you for help to find out where our payment is at the moment and tried to send it to the recipient. Thank you in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: 2023-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act Wells Fargo Card Services account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A