Date Received: 2023-08-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Monthly fees were charged different amounts on different accounts. I was not spending money or using the accounts as one was an open estate account. Because I was not using these accounts I didnt monitor them until I noticed one disappeared from view, then another went negative. Apparently my banker/advisor is no longer there and my accounts were not bundled even though I had preferred and premier services. 2 accounts went negative and were closed, all accounts had unapproved fees. Ive reached out multiple times and received approx {$110.00} in credits back, Im still fighting with them. Ive lost access to the closed account details and only have access to the statements from the open accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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: Dear CFPB, I am writing to provide further information regarding my ongoing dispute with Wells Fargo Bank. I recently contacted them again, engaging in a 50-minute conversation. During this call, they indicated that they have initiated the processing of four disputed transactions, for which they provided claim IDs : XXXX XXXX XXXX XXXX XXXX XXXX While this might seem like progress, a significant concern remains. Upon inquiring about whether I would be required to make payments for these pending claims next month, Wells Fargo 's response was far from satisfactory. Instead of providing a clear answer, they transferred me to multiple departments, leaving me without a resolution. Eventually, I was informed that these claims are still pending due to missing documentation. It's important to emphasize that I have diligently followed Wells Fargo 's process, reporting each claim over the phone and furnishing all the requested information based on their inquiries. Despite my cooperation, they continue to delay and avoid processing the claims. Their assertion that I haven't provided the necessary information is baffling, given that I possess the claim IDs as evidence. This situation is indicative of the bank 's intention to procrastinate, allowing these claims to linger indefinitely. It is evident that Wells Fargo 's actions are not aligned with their commitment to resolving disputes promptly and transparently. The bank 's inability to address these claims raises concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially considering that they possess the necessary information, is both disheartening and unjust. In light of this situation, I implore the relevant authorities to intervene and oversee the activities of Wells Fargo. Their behavior calls for a thorough investigation and appropriate measures to ensure that the bank adheres to ethical practices and treats its customers with the respect they deserve. I appreciate your attention to this matter and your role in safeguarding the rights of consumers. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
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: I am writing this formal complaint letter to bring to your attention the dismissive response, lack of assistance, and negligence displayed by Wells Fargo Bank in addressing my dispute and complaint regarding transactions from my account. I am deeply dissatisfied with the bank 's handling of my situation and hereby demand a thorough investigation and appropriate actions to rectify this matter. In my original dispute letter addressed to Wells Fargo Bank on XX/XX/, I detailed the circumstances surrounding transactions from my account that were used to purchase cryptocurrency. Despite providing clear evidence and supporting information, the bank 's response has been dismissive and unhelpful, leaving me in a dire financial situation due to the bank 's negligence in conducting proper due diligence. Wells Fargo Bank 's response, as provided to me, lacks professionalism and a genuine commitment to resolving the issue at hand. The bank 's representative informed me to contact XXXX and local law enforcement, effectively passing the responsibility onto external entities rather than acknowledging their role in safeguarding their customers ' finances. This lack of accountability and refusal to take ownership of the situation is both disheartening and unacceptable. Furthermore, the bank 's response letters, dated XX/XX/, and XX/XX/, demonstrate a blatant disregard for my rights as a customer. The bank 's claims that the transactions were authorized and therefore not eligible for reimbursement fail to address the fact that the transactions were a result of fraudulent activities. The bank 's inability to distinguish between genuine transactions and those tainted by fraud highlights a severe lack of vigilance and oversight in their operations. I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into the mishandling of my case by Wells Fargo Bank. I seek the following actions : Full Reimbursement : Wells Fargo Bank must immediately reimburse the funds lost due to the transactions, including any associated fees and charges. Thorough Investigation : A detailed investigation must be conducted into the bank 's processes and practices, particularly in relation to its failure to prevent fraudulent transactions and its refusal to address valid customer complaints. Corrective Measures : Wells Fargo Bank should implement rigorous protocols to prevent future instances of fraud and enhance its customer support to ensure timely and effective resolution of disputes. Formal Apology : The bank should issue a formal written apology for its dismissive and negligent response, as well as for the financial and emotional distress caused by its actions. I expect a prompt and thorough response to this formal complaint, outlining the steps that will be taken to address my demands. I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment for consumers and look forward to a swift resolution of this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
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: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I cashed a check for a friend and I sent them the money after the checked cashed. Now the check was bounced and is void. My debit account and saving account are both negative. My account will close XX/XX/XXXX and not sure what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94019
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reached out to Wells Fargo regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Around XXXX I took about XXXX or XXXX from my credit to make a payment of something there I keep getting to separate interest charges on my credit cards account when I contacted the Wells Fargo credit card people the person I spoke to told me that the charges was for over draft and said that as soon as I pay my over overdraft I would not be charged two interest charges anymore, so I listened to her and payed my credit card so I dont be over overdraft but on the next month I saw I was still on getting the two interest charges on my account whenever I made a payment. I contacted them again no one was able to give a proper response why I was getting charged two interest charges. I spoke with one of the managers she didnt understand why they were making me pay two interest charges also she went and asked me to make a complaint so I did make a complaint which the person I was talking to processed the complaint for me that on was on XXXX since then wells never get back to me and Im still getting two interest charges on my credit cards today the XX/XX/23 while I was talking to one of the Wells Fargo credit cards people they were very rude and unprofessional the lady I was talking to and who was taking my complaints was very rude she didnt even let me talk she hang up on my face. Wells Fargo have been even taking money on my debit cards account and falsely charged me and since last year they have been charged me twice for interest rates. When I got my credit card the Wells Fargo bank I went to and that person never explained to me that there would be a two interest rates charge is take or make payments through my credit card I was told that today when I was talking to one of the Wells Fargo customer service people. On This month XX/XX/23 they charged me 4 interest charges I dont even know why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I called Wells Fargo every day to insure that they had received my covid forbearance package. Every day they said no, from XX/XX/XXXX to XX/XX/XXXX. They assured me over the phone with a different customer service representative each time that they are processing the forbearance and there is nothing to worry about. I called them for the last time on XX/XX/XXXX and they advised me to send in my monthly payment. I did that and 2 weeks later I received the check back along with a foreclosure notice to be active in 7 days. I had no option but to retain an attorney and file for chapter XXXX. I have owned my house for 24 years now and what they did was wrong, false information, denial for relief, etc.. Now a trustee has been taking {$2000.00} a month out of my paycheck and that is difficult giving the state of inflation. The struggle is real!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were fraudulent charges against my account with even someone gaining access to my pin somehow, some of the charges included XXXX XXXX XXXX XXXX power bill, XXXX XXXX and XXXX XXXXXXXX XXXX I went to the bank on XX/XX/XXXX and discussed the pending charges that were not made by me and ask the bank to cancel my card. Went back to the bank on XX/XX/XXXX and ask why the card charges were able to post, and they said it wasn't their problem. So i go back on XX/XX/XXXX to ask for help with resolving this issue after receiving the letter claiming that i made the charges and my claim was closed. The claim number is XXXX. All these attempts were unsuccessful so i am reach out for your assistance. I plan to file a police report. I need help with resolving this issue because I don't think i am getting the appropriate help from WELLSFARGO Bank Representatives. The issue started when I contacted the bank about the issue on the XX/XX/XXXX and they closed the claim 5 days stating that the charges were made by me or someone who had permission. I tried to call and ask for supporting documentation regarding the closing of my claim and I was hung up on. Your assistance would be greatly appreciated. I understand Wellsfargo is closing branches and I am concerned that correct attention is not being paid to my concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
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: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I was contacted by Wells Fargo and informed I was affected and denied modifications. I want to participate in class action lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I Did an home improvement loan thru Well Fargo with a no interest for 18 month. Since that time i became unemployed and disabled.I ask for an extension with no reply. Then at the end of 18 months i was hit with a XXXX interest charge on the full amount of the loan and not the balance. So instead of a {$2000.00} balance I was hit with XXXX balance. Now they are informing me since the loan was not paid in full this became their policy. Thru researching I found this is a common tactic of Well Fargo. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A