Date Received: 2023-08-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Wells Fargo underwriter mismanaged our loan. error from origination. I have all the documents pertaining to this not answering to this problem they created. In XX/XX/2021 we refinanced with them, they had it appraised, I have it on paper part of the property was not secured in the loan. Wells Fargo was not paying the proper taxes. Because of their mismanagement I had to send them a check for over XXXX or our mortgage payment would go up over XXXX a month. I paid them but our mortgage payment still went up over XXXX. They are in denial and will not take responsibility. This has been going on now for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
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 credit reporting 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: 33013
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
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/2023 i submitted a fraud claim # XXXX for transactions i have incurred the past couple of days, however they denied my claim within a couple hours without even investigating thoroughly the legitimacy of the transactions. I was a victim of a car break in where my wallet along with numerous credit/ debit cards, identification cards such as my drivers license were stolen along with audio equipment attached to my vehicle as well as my cellphone/apple watch. A police report was filed and also an insurance claim with XXXX ( car insurance ) and XXXX ( Cell phone insurance ). Im extremely frustrated with the handling of my claim by wells fargo as you cant expect to have a trough investigation into a claim from 4 different merchants to be concluded. I was able to reach out to one of the merchants ( XXXX ) and was informed that indeed my information was used to purchase tickets with them and if i wanted to dispute the purchase i would have to go thru the financial institution. The gentleman i spoke to mentioned that the transaction was made by an " XXXX XXXX " " XXXX '' to whom i have no knowledge who he or she is nor did they have authorization to conduct such a transaction with my information. Police report # XXXX taken by XXXX Police Department ( XXXX ) XXXX, XXXX Claim # XXXX, XXXX claim # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92506
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: XX/XX/XXXX : transaction occurred on my Wells Fargo debit card for the amount of {$2400.00} XX/XX/XXXX : Wells Fargo detected suspicious activity and started declining future transactions XX/XX/XXXX : I called Wells Fargo after checking transactions to confirm that indeed some of the pending transactions were not recognized by me XX/XX/XXXX : Wells Fargo submitted a claim on my behalf to further investigate XX/XX/XXXX : Wells Fargo sends notification via regular mail ( I was out of town so did not see this letter until I got back home on XX/XX/XXXX ) to inform me that there was no evidence of a processing error and determined the transaction to be authorized and claim closed. XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX - received same standard message via email on all of these dates informing me that Wells Fargo was still looking into the claim I submitted and that they would let me know what was determined after research was complete. XX/XX/XXXX : I called Wells Fargo to follow up on this claim. They said they no longer had rights to dispute the claim and that they could tell the physical card was used for this transaction and that my only option was to work with the merchant. I am 100 % sure I did not intentionally make any purchase for such a significant amount on that day or any close day prior to that. The transaction details are not enough to be able to identify or contact the merchant to try and dispute with them. Wells Fargo is not able to provide any additional help or fraud protection for this claim. It is a significant amount of money that was charged and that I don't recognize. I need help to find other ways of resolving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 799XX
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: Cashing a check
Consumer Complaint: A online checking account was opened in my name in XXXX XXXX.in which Wells Fargo bank let a e deposit go thru with my amended tax paper check by mobile deposit in XX/XX/2022 for the amount of XXXX dollars. Someone deposited my income tax check thru edeposit mobile phone check cashing system by taking a picture of the check. Later to withdrawal all funds by XX/XX/2022 without my knowledge or premission. I did go to my local Wells Fargo and spoke with the manager and in so doing she verified the online account and the check she gave me copies of the account and transactions.but never offered any kind of help and in the copies there was no picture id of mine no telephone number listed or verified. That was my amended tax check that I can't retrieve or recieve back due to this negligent way of check cashing online I lost everything and didn't get any kind of compensation or communication for this transaction until I spoke with the IRS whom told me that check was already deposited and cashed and I didn't do such thing or give anyone else to do so in opening a account online. The signature was not mine and why didn't the check have any id verifications such as needed to cash inside the bank??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 877XX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Not sure the date the card was applied for but charges are fromXXXX and XX/XX/. This was not me that opened this account. I have tried to cancel this card but they say they need proof of who i am before they can cancel the credit card. They did not have to verify who i was to issue me a credit card. If they would of canceled when i called i would not show i owe XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40701
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Wells Fargo open accounts are apply me for loans or credit cards without my knowledge or without giving me the correct information disclosures they would do it because they needed more solution to need it better things and I called my accounts to get severely overdrawn in my accounts to close any calls my credit to severely decline
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo, I paid the excessive fees and closed my account out of sheer frustration in 2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I got a call from someone that I owe money to Wells Fargo on a account that I had and closed 20 years ago. The person said over the phone that they were calling with process of notification service and that I must contact the filling office by the end of the day and if I did not they said they will move forward with filing without my acknowledgement or participation. When I called they told me that I owed {$6000.00} if I go to court or if i pay it right now it would be {$1000.00} for an Wells Fargo account that i closed 20 years ago.They said that they were going to garnish my wages. They didn't even know where I am currently employed at. They also claimed that they sent me letters in the mail about it, but i never received anything on the matter. They never told me who they were and they seem like just want to know when i was going to pay them. I also called Wells Fargo and they looked up my old account and they said that I did not owe anything on that account and it seem weird that I would get a call about an account that old that was closed. Wells Fargo ran the numbers that they call me from in their database and they said it was one of their numbers.
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: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I had a credit card with Wells Fargo was trying to make arrangements to pay the card went into my checking account and remove {$4700.00} on their own without disclosing anything to me and then sued me for the other XXXX with interest through a debt collection XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A