Date Received: 2023-08-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX to XX/XX/XXXX, I was involved in a scam. Over XXXX, an account posing as an artist account DM 'd me and asked if she could do a painting commission of me for free by using a picture I posted on my account. Her " client '' who funds her art would issue multiple checks to me that I would deposit into my bank account and then transfer back to her to account for her painting supplies, and for using my likeness, she offered a compensation of {$500.00}. I agreed after browsing the account, seeing multiple convincing posts of artwork. The scam worked like this : I depostied the checks into my bank account and then immediately transferred the money back to the scammer over XXXX through the Wells Fargo app. After a few days, the bank notices that these checks are fictitious and returns the money, taking out the amount from my bank account, but since I already transferred the money out to the scammer, there is none of that money left and the money is taken out from what money I originally had. In total, I depostied multiple checks worth {$3000.00} into my checking account. I am currently at around - {$2300.00}. On the fourth, my parents had notified me of the first few checks that were returned and I called Wells Fargo to file claims ; I also filed a police report. The customer service employee issued the claims and then told me it would be resolved within 10 business days but was so vague and did not attempt to understand what I was wanting to do. On XX/XX/XXXX, I recieved 29 letters in the mail from Wells Fargo, each individual claim letters regarding the transactions and transfers done on my account, with some saying it was sent to a differenet department. They were processed on the same day written in the top corner of each letter, and the uttter confusion of which letters corresponded to which and the results prompted me to call Wells Fargo and ask for transparancy. For almost two hours I was on call, transferred to at least XXXX different departments, only trying to find out the reasoning and updates for their report, and in the end, the department could not update me for any reasoning available. 29 letters opened and read, on call for two hours, and no explanation if Wells Fargo would help or was on my side at all. On XX/XX/XXXX, I recieved a letter for only one of multiple claims about the check deposits that concluded since the transaction was authorized, it would not be considered, as if it was not part of a major scam. I was affected by a major scam and asked Wells Fargo to investigate, but Wells Fargo refused to consider my complaint and supporting documents. The company was inept and unhelpful in reviewing the transactions, directing me to the proper channel for questions, and did not take into account at all the fact I was scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77578
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1990 i tried cashing q check the XXXX XXXX XXXX for XXXX and this was almost 7-10 YEARS go and the bank said they couldn't CASH IT BUT if I WAS TO DEPOSIT it into a bank account then I could bank with wellsfRGO AND pull my money out with my debit CARD AS I PLEsed Sso i deposiyed the whole check stRTED a bank account and asked if i couod with drawl XXXX $ from my account they said yes and they said XXXX they had to put XXXX of my money on hold until eveeythin wS COMPLETE and they were to put thT MOMEY BACK INTO MY ACCOUNT WELL I NEBER GOT THt momey back and XXXX XXXX of that about XXXX days lTER I WENT TO USE MY BANK CARD AND IT SAID INSUFFICIENT FUNDS SO I WENT TO THE BANK IN ARIZONA IN XXXX XXXX XXXX XXXXXXXX an XXXX XXXX and they said they put a hold on my account and froze my account that i woulmt not be able to touch my money for at least two weeks so inwas upset and un professional had words with the bank, anger and he ended up calling the police and had me trespassed so i couldnt go amd receive my money and i got that money from my mother passimg away and at the XXXX, XXXX it wS EVERYTHING I had and that really messed me up left me homless on the streets and for no reason i want to sue for this and i had no idea i couod but i eventually got my momey back accept fpr the XXXX $ they put on hold and never returnes to, me... So I would like to be compensTED FOR THIS OR I CAN JUST TAKE THIS TO MY Lwyer now that i know I do habe a case unless u guys want to, ake mw a decent offer and we cN SETTLE IT LIKW THat ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85208
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 with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Wells Fargo has run my credit 2 times now, both being hard inquiries. Each time has been without my knowledge or permission. I am NOT an account holder/ customer of theirs and have not given them any of my personal information. The first time was last year, on XX/XX/XXXX. After fighting with them for almost 2 months, I was able to get them to remove it. This last time was on XX/XX/XXXX. I have had nothing but trouble with Wells Fargo since then. I was told they had a deadline of the XXXX to resolve it and get back to me, and I never heard back from them. I reached back out to have them tell me that there is nothing they can do for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 860XX
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: Excessive overdraft and late fees charged by wells fargo for both my checking accounts and credit cards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84074
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is with regards to dispute no. XXXX. I purchased a product off of XXXX that turned out to be a scam. I made this purchase believing it was a domestic XXXX woman owned business that I was supporting but it turned out to be some unknown merchant out of XXXX, who had no connection at all with business I thought I was patronizing. It took months for the order to delivered, and when I asked them for a refund due to non-delivery the stated the item was in transit ; I made the order in XXXX and did not receive the items that where not even as described nor did they work until XXXX. As a customer of Wells Fargo using the Wells Fargo XXXX XXXX XXXX card, I turned to my financial institution with this matter and they stated that per XXXX XXXX terms and conditions there was nothing that could be done even though the product was nothing as described and did not work. I was told to either contact XXXX who I purchased through or deal with the merchant who you can't pin point who it was precisely. I contacted XXXX and they stated they would have refunded me the money per XXXX terms, but my financial institution was the final authority and they could not over turn it. This was annoying because why did Wells Fargo send me to them knowing this was the case. The merchant initially was willing to partially refund me what the market value of the item was, even though they charged me nearly seven times the price, but after Wells Fargo 's decision they would not even respond to me. The Wells Fargo representative I spoke with, said these were XXXX XXXX rules, so I contacted XXXX XXXX and they stated this was not the case, in situations such as these they would refund the money, but this card was Wells Fargo managed so they made this decision. I spent more money and shipped the product back to XXXX at the cheapest price possible, but because of Wells Fargo 's decision I can not get an answer from the merchant. I filed a complaint with XXXX and Well Fargo again reiterated that " XXXX XXXX ' Customer Agreement and Disclosure Statement does not allow foreign transactions to be disputed as, 'Not as described '. We regret we are unable to assist you. If you wish to purse this matter, you will need to work directly with the merchant. '' I asked for a copy of the Customer Agreement and Disclosure Statement to which they are referencing but have yet to receive it till today. I googled and found a copy of it from CFPB ( see attachment ) and no where does it mention this. I XXXX whether this was an XXXX XXXX policy and found to the contrary ( see attachments ). It is beyond disappointing that the trust and expectations we put in financial institutions and their products to protect consumers in such matters is grossly misplaced, and they make decisions to your detriment and can not even substantiate them. I am supposed to now negotiate with a deceiving merchant whom I did not knowingly patronize, who is now unwilling to do anything as Wells Fargo has already made a decision in their favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
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: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, an unknown party attempted to deposit a fraudulent check into my companies business checking account with Wells Fargo Bank. The unauthorized transaction was {$78000.00}. Upon being contacted by Wells Fargo Fraud Department, I made two trips to the bank and spoke with XXXX, Alaska branch manager XXXX XXXX. We provided documented proof by emails, that neither myself nor any authorized representative was asked to deposit this check. Wells Fargo did not attempt to research this issue, they also refused to disclose who deposited the check, and where it was done. Instead of research the issue, Wells Fargo closed our business account for " business reasons '' causing financial damage to our company. I also filed a fraud report with the FTC, FTC report number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99654
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 with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I am in between jobs so my account does not have as much cash as I wish it did in it. Apparently, Wells Fargo changed my account a year ago to some different kind of every day checking and it gave me a 12 month break from service fees, all of this was done without my knowledge. Then, monthly service fees just started last month I got charged on the XXXX, when my account was close to empty and the monthly service fee, put it in danger of getting an overdraft charge, yesterday I went to the store had {$4.00} in my account bought something for XXXX dollars and wake up this morning to my account saying its overdrawn because apparently a monthly service fee was attached to my account yesterday, the XXXX, which I didnt see and couldnt see until this morning. The inconsistencies of date when the charge is attached and of them changing my account without acknowledging it, and letting me know until I inquire about it is just completely unacceptable to me and with XXXX XXXX history, Im wondering how many other people are in my similar situation. How many accounts does Wells Fargo tap and take money off the top of when the customer needs it the most. There is a reason people dont bank, it is a scamthey profit off of your money and charge you to do so. The way you know its a scam is theyre willing to give you your money back every time you complain about the monthly service fee, they know themselves that it is not their best look.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85331
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: A friend told me about the XXXX mastercard ( Wells Fargo ). The whole premise of the credit card is it is the first credit card you can pay rent on with no fees and that it is a great way to build credit. This is fully what the card is advertised and marketed for all over the web site. In the application process you have to submit what you pay for rent. While you are given an interest rate, you are not given a limit until you submit your application. I did so and received a limit that was only XXXX $ less than my cost of rent. I Immediately called XXXX and they said not to worry, They could adjust your credit once I've received the physical card in the mail, that it was likely an error and shouldn't be an issue. Once I received the card, I called and quickly realized the only option was to ask for a credit increase on a brand new credit card. I explained my situation and was told my complaint would be submitted to the " executive office '' and I would receive a letter in the mail with a decision. I was told there is no phone number for the executive office and when I asked to speak to a manager, I was told they would be in meetings all day. The writings on the wall would say, being denied access to management and waiting for a letter in the mail is a bad sign. I said, I found this to be poor business, it feels intentional and unethical. Explained to the person I didn't blame them personally but I don't care to support this business in any capacity. She assured me after I receive my letter from the Executive Office, I can submit to close the account and they can remove the inquiry altogether so that the closure won't affect my credit and it will appear as if the inquiry never occured and I can apply elsewhere. I was very surprised but happy with that response, I asked multiple questions and even asked if they were sure for reassurance. ( This along with all conversations were recorded ). My letter came and they were unable to approve the XXXX $ increase and didn't address the complaint. Today I received a phone call from the Executive Office needing to again make me aware that the increase for rent was denied. They assured me to use the credit card for other types of purchases and to re-apply for credit down the line after I've used it. I told them advertising a credit card to build credit with rent and giving a limit just below rent is offensive, gross conduct and I feel backed into a corner. I stated I don't want to support the bank and would like to option the removal of the inquiry altogether that I was told about before. She told me my option was to use the credit card for other purposes and apply for an increase later on or to close the account which would likely affect my credit many times over. I replied that I had a long in depth conversation in which specifically pertaining to the removal of the inquiry of the credit card which was recorded and likely attached to my claim. She then said that person " misspoke '' and gave me her two options again. I asked to speak to her manager who was again not available and would be no help because " she knows nothing about my case ''. I said I wanted to file another complaint and was told it would " do nothing for me '', I replied " I don't care ''. I was placed on hold and once taken off I had but had to get back to work so they are supposed to be calling me back tomorrow. It feels in all instances thus far representatives are saying whatever they have to factual or not to get me to shut up and hope that I won't keep pursuing and that's unfortunately what I'm planning to expect going forward. The advertising of this card led me to believe this is a great easy way to build good credit. It is a the first of its kind and the whole draw is your building credit paying rent. A critical expense that has to be paid so why not build credit while doing so. I presume they draw people in, short the limit so they don't have to put up the high expense of rent and force customers ( likely inexperienced ) to use the credit card for simpler, cheaper purchases. I've never had a late credit card payment in all of my years, I have good credit and am financially reliable and stable, If this is happening to me I find it is likely happening to many others I'm curious to know if they do have the capability to close the account as if the inquiry never happend or if they were just saying it to appease me in the moment? Thank you for your work here and all that you do, there is some comfort in knowing that I can document and report gross misconduct of such a behemoth corporation With Gratitude
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
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 credit card
Subissue: Sent card you never applied for
Consumer Complaint: Wells Fargo opened a personal loan answer credit card in my name without authorization. This been going on since XXXX XXXX, all these case numbers and XXXX numbers. I was supposed to be refunded {$6200.00} for unauthorized payments out of my checking account XXXX XXXX XXXX... I have received {$500.00} refunded but not the rest. I can't believe this situation in the times we are all in 2023. Wells Fargo made a huge mistake
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
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: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I filed XXXX XXXX Bankruptcy with XXXX XXXX XXXX in XXXX, GA. I had a mortgage through Wells Fargo Bank for my home in XXXX, GA. I filed the documentation to reaffirm my home loan and car loan. Home loan was with Wells Fargo Home Mortgagenand car loan with XXXX XXXX XXXX XXXX. Never had a problem with my car loan. But, with Wells Fargo, I continued to pay my mortgage from XXXX ( bought the house in XXXX ) to XXXX when I tried to refinance. I was told that Wells Fargo no longer had me listed on the deed and that technically, I didn't own the house. I'd have to go through the " closing process '' again to get my name attached to the home again. I asked if I wasn't attached, then I could walk away. They said yes. But, a year or so later, I was notified that they had filed a foreclosure on me and sold my house at auction. I paid for the home for 10 years, never late, never missed a payment and they let me do that but never told me they didn't reaffirm the mortgage. Once I walked away with nothing as I just decided to accept defeat because what am I going to do against a bank, I don't have that kind of money to fight them. They filed a foreclosure to cover themselves and I lost my home, 10 years of investing in that property, and it showed up as a " K number '' when I tried to buy another home in XXXX. I was then told that I had to wait seven years to file for another government loan. I never thought I could do anything about it, but since they've been shown to be a bunch of crooks, I thought I'd try now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A