Date Received: 2023-08-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, two unauthorized charges were made of the amount {$860.00} and {$860.00} ( totaling {$1700.00} ), both for " PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX. '' I did not authorize these charges and was NOT in XXXX XXXX. I received an email at XXXX CT that these charges were made and called Wells Fargo approximately 15 minutes later on XX/XX/XXXX to report this unauthorized charge. Wells Fargo mislabeled the issue as " Don't remember this transaction '' and I called Wells Fargo claim department again on XX/XX/XXXX to follow up so that I could clarify that I never made the transaction in the first place. In my statement, I specifically stated that I did NOT have the card with me in my possession when these transactions were made. Finally, XX/XX/XXXX the claim was closed and I was not given back my funds. In the process, not once did they reach out for questioning or more information. I called on XX/XX/XXXX to request the claim be reopened and was told simply that the purchase must have been authorized because the chip was used. However, the card was NOT in my possession when the purchases were made, I was not in XXXX XXXX, and further, I contacted XXXX and individuals of the age of XXXX are NOT able to rent a car from XXXX in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 914XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I checked my credit report and saw a card I was not aware of on my report. I called and Dillards said that someone had opened an account with my social security number. They are closing the card. I am submitting this complaint because it was not clear if the card would be taken off my record and I want to make sure that happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87121
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX took money from my account and Wells Fargo allowed it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I filed a dispute with Wells Fargo Bank stating that a transaction was not as described and they said they would look into it and it would take 10 days. On XX/XX/XXXX I was awarded a provisional credit of XXXX which was the amount I was disputing. 10 days passed by and I received no communication from Wells Fargo by mail or email so I assumed the case was closed and dealt with. Today XX/XX/XXXX I received in the mail a document that stated my transaction was not in error and the provisional claim would be deducted XX/XX/XXXX. I was confused because Wells Fargo stated they would follow up in 10 days and went radio silent for over XXXX months. The transaction was authorized by me, but the service was not as described and the place I made the transaction was being difficult when dealing with a refund so I followed up with Wells Fargo hoping they would be helpful about the situation and instead did absolutely nothing but give me a credit not speak to me for months and then randomly decide to take the money back with no explanation about why they went silent. This worries me because I am disputing a current charge as well that is a much larger amount and that service that I paid for almost caused physical danger to me so I do not want a notice coming in the mail months from now again trying to take the money back from me after radio silence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Complaint : Regardless of the amount of times Wells Fargo is fined and sued, they continue to deceive their account holders without even attempting to hide it. During this year, I have paid more than {$300.00} in erroneous overdraft fees that are charged to my account the next day, during the grace period that they continuously and falsely advertise. In the evidence that I am submitting, you can clearly see various examples of this, i.e. account is overdrawn on Day XXXX, the account balance is then made positive via deposit on Day XXXX, but on Day XXXX, an overdraft fee appears to have been posted on Day XXXX. I have gone to my local Wells Fargo a couple of times where the Manager lectured me on how to understand the way they structured their transactions to make it beneficial for them. The reality is that the manager told me that the Wells Fargo app was only for educational purposes, basically stating that you shouldnt believe what you see because it could not be true and that since this was a reoccurrence in my account it must be my fault. With her attitude, she essentially told me that if I werent poor and stored my money with Wells Fargo more often, I wouldnt have these issues. The worst part of everything is that even when Wells Fargo sees that they are in the wrong, they will tell you We are so sorry but since this is not the first Overdraft Fee we can't waive it despite the fact that the times they have only waived it when they recognize that they are at fault. Wells Fargo will never lose the argument ; they will tell you that X transaction was mysteriously started before I ( the customer ) could even see it, and that's the reason I accrued Overdraft Fees. Basically, if a bill is paid on the XXXX of each month and appears on my account on the XXXX WF will charge an overdraft fee if I dont pay it on the XXXX, despite that date being within their imaginary grace period because the transaction started on the XXXX, despite the fact that it was not reflected on my educational app on the XXXX. Wells Fargo offers bill pay services and autopay services but expects its customers to remember the exact day that the transaction is initiated. Wells Fargo hides information from its customers and they will always argue to favor them, leaving the customer with nothing to do. Wells Fargo is stealing from its customers and if you are a minority, you will be treated as if the only money you have is whatever they see in your account. I pay $ 10 monthly to Wells Fargo so I can store my money at their place and I expect Wells Fargo to honor their services and promises. The purpose of my complaint is to show that the billion-dollar settlements that Wells Fargo has recently incurred apparently do not surmount the amount of money that they steal from their account holders while being monitored by the Federal Government . I hope that my complaint is thoroughly reviewed and I do not become another of the millions of customers encountering this same situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Wells Fargo loan modification is fraudulent I was called and said I had to be there at XXXX oclock to fill out paperwork or I lose my home. I further looked into the payments {$32000.00} is missing they said that it was back payment but I never miss a payment prior to or now on any payments. Also, on the modification they gave me theres a base payment theres no adjustment for principal payment only for the interest and when you do the math it does not add up.Been trying to straighten this issue out with Wells Fargo to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I WAS SCAMMED THRU XXXX. I PURCHASED CONCERT TICKETS XX/XX/2023 TOTALING {$700.00} AND NEVER RECIVED TICKETS. I CALLED WELLS FARGO BANK TO REPORT THE SCAM IMMEDIATELY AND FILED A CLAIM # XXXX. NEVER RECIVED A RESPONSE OR CALLBACK. I CALLED BACK TO ESCALATE MY CLAIM TWICE!! AS OF TODAY XX/XX/XXXX THERE IS NO RESPONSE OR RESOLUTION. WELLS FARGO 'S TERM AND CONDITIONS STATE THEIR CUSTOMERS HAVE ZERO LIABILITY PROTECTION. THERE IS NO MENTION IN WELLS FARGO TERMS AND CONDITIONS THAT XXXX TRANSACTIONS ARE NOT COVERED WHEN CUSTOMER IS SCAMMED. EVERY TIME I CALL I JUST GET THE ROUND AROUND THAT THEY ARE WORKING ON IT. I ASKED THEM TO REFUND MY {$700.00} AND THEY REFUSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023. I reached out to Wells Fargo Auto Loans in regards to my auto loan application from XXXX XXXX XXXX being denied. I explained to them my Constitutional Rights as a consumer under the Consumer Bill Of Rights. One lady hung up on me and a gentleman transferred my call where nobody picked up. I explained to them my concerns about being discriminated against ( Equal Credit Opportunity Act ) because of my credit score. I also explained to them that I submitted a Federal Reserve Note that was denied and continued to explain the obligations of the United States by all National, Member, and Federal Reserve Banks ( Federal Reserve Act Section 16 ) where they still denied me. Before the lady hung up on me she explained that a supervisor would reach out to me within 7-10 business days, but the gentlemen switched me right over to a supervisor. Unfortunately no supervisor answered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Today, I tried to transfer my money earned on an online website through XXXX like I always do. The funds kept getting sent back to XXXX. I then tried to get a small online advance ( again, I do this all the time through an app called XXXX ). I got a message from XXXX that there is an issue with my bank, and I need to contact them. I called my bank, Wells Fargo, and was told that I had at least a 45-minute wait to speak to someone! Upon opening my computer and investigating, Wells Fargo has a coy message in the color blue " We've converted your checking account to another checking account. See your statement for details ''. I opened my online statement and found nothing to indicate that my checking account had been converted to any other account. I called back Wells Fargo, this time trying to get to their fraud department for an explanation. I received this message " Due to technical difficulties we are experiencing longer than normal wait times ''. I left my telephone number for a callback. I received an automated callback from Wells Fargo again informing me of an indefinite wait time to speak to someone. This is completely unacceptable. Throughout my years as a Wells Fargo customer, this bank has seemed to face repeated issues, both consumer-related and legal. I am so tired of having my life turned upside down by this bank! There is never any accountability from Wells Fargo when I reach out to them. I can not receive money into my account, I can not even communicate with Wells Fargo, and apparently, my checking account has been " converted '' without my knowledge, which I believe is the reason for the sudden problems with my checking account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called Wells Fargo on XX/XX/XXXX to make a credit card payment before my due date using the company 's phone/IVR system . The phone system indicated that my payment was processed, Wells Fargo sent me a letter confirming my transaction and Wells Fargo updated my credit card account online showing that my balance had been paid. I noticed a few days later that my payment had not been pulled from my XXXX account. I proactively called Wells Fargo on XX/XX/XXXX to ask why they had not taken my payment. Wells Fargo indicated that my payment failed due to a lack of funds. I did a bridge phone call with XXXX and Wells Fargo and my XXXX agent confirmed to the Wells Fargo agent that my funds were available the entire time. The Wells Fargo agent requested my bank account info again and proceeded to process the payment again. I was again provided a letter dated XX/XX/XXXX that my payment transaction was processed. On XX/XX/XXXX, I noticed that Wells Fargo still had not pulled my payment from my XXXX account. I again proactively called Wells Fargo and the banker indicated on a recorded line that the XX/XX/XXXX payment attempt had not gone through because the prior Wells Fargo baker had missed a digit in my bank account number. I gave this banker my XXXX account info again and that banker processed my payment. I received another letter from Wells Fargo dated XX/XX/XXXX that my payment had been processed. At no point during this process did Wells Fargo communicate to me that my payments had not been processed successfully or on time. In fact, via written letter and via WellFargos website they indicated to me that my payment had been paid on time. Wells Fargo has assessed an interest charge of {$560.00} to our account. I have filed a formal complaint with the Executive Office of Wells Fargo and they have closed the complaint and left me with this interest charge even though Wells Fargo themselves failed to process the payment correctly. I would like the interest charge of {$560.00} to be credited to me. I proactively attempted to make my payment before its due date, I proactively followed up with Wells Fargo to make sure they received my payment on multiple occasions and I had XXXX confirm that funds were available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A