Date Received: 2023-08-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a claim with Wells Fargo regarding a XXXX order that was never delivered my order total was XXXX I contacted XXXX and was informed from XXXX I would be refunded within XXXX business days after the XXXX business days I did not receive the credit from XXXX I XXXX Wells Fargo XXXX have them step in to get my money back from XXXX Wells Fargo XXXX XXXX claim I get provisional credit from Wells Fargo bank XXXX XXXX in I receive a letter from a Wells Fargo XXXX XXXX they need more information to get my money back from XXXX I XXXX them the screenshot of the conversation I had with XXXX confirming XXXX money would be returned I emailed this Wells Fargo XXXX department I have not herd anything back from Wells Fargo after XXXX I am told it was take time for Wells Fargo to review and make a decision however this morning I wake up XX/XX/2023 and I see Wells Fargo deducted XXXX from account I am confused on why when i never filed a claim for XXXX I call Wells Fargo XXXX XXXX out whats going on first things first Wells Fargo XXXX XXXX know whats going on I sat on hold after I explained myself to a Wells Fargo claims XXXX he puts me on hold for XXXX minutes doesnt even check in with me or nothing and tells me oh sorry it was a big misunderstanding but we are going to refund you back XXXX within XXXX business days so Im confused because i was calling about XXXX being pulled from my account I asked whats going on with my claim he said the claim is being closed the bank is going to take a loss and write it off and the claim will be closed in my favor within XXXX days they have to update there records etc etc telling me stuff I dont care I am beyond irritated and frustrated I want my money back that was taken out of my account I dont even understand how this happens I would of expected Wells Fargo to pull XXXX if my claim was denied XXXX XXXX did not receive any letters informing me of a denied claim and I dont know why XXXX was taken when the claim amount was XXXX this is Wells Fargo just taking money from its clients once again expecting not to get caught
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received notification from Wells Fargo about my online checking account. I NEVER OPENED ANY ACCOUNTS WITH THIS COMPANY IN MY LIFE!! I called this bank and sent several emails that this was a fraudulent account and they refused to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was approved flr a 60 month 0 % financing for a home project. I financed XXXX $ XXXX = {$130.00} they set my minimum payment at XXXX XXXX {$8300.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Wells Fargo Bank is in the habit of refusing to acknowledging that I made an accurate transaction ; thereby refusing to award me its reward of 2 % back on purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check was stolen from me and cashed by the thief, a police report was file and bank refused to refund me claiming it may take up to 120 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I been a customer with this bank since 2006. I pay this credit card off three times. I have called them in the pass when they were called Wachovia & they adjusted my interest rate. Wells Fargo is saying that they do not adjust interest rates because they only for credit worthy when credit card was first issued. My credit card was issued by Wachovia & my credit score was over XXXX. I believe that Wells Fargo is being unfair charging me 16.2 % interest rate with out no way of reducing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing to bring to your attention a deeply concerning experience I had with Wells Fargo in regard to a chargeback request. I am hoping that by sharing my experience, it will shed light on the challenges I faced in seeking assistance and protection from my bank after falling victim to a fraudulent company. Earlier this year, I made a payment to a company that promised to provide me with a service. However, I never received the service and soon realized that I had been scammed. Taking swift action, I initiated a chargeback with Wells Fargo to recover the funds I had been unlawfully charged. Unfortunately, my experience with Wells Fargo took a highly distressing turn. Instead of receiving the support I needed, I found myself caught in a disheartening cycle of delays, misinformation, and lack of communication. For nearly two months, I attempted to navigate their customer service channels, reaching out through calls and written correspondence to resolve the matter. Regrettably, my efforts were met with a series of frustrating tactics that seemed designed to hinder my progress rather than provide assistance. Key aspects of my ordeal included : Delay Tactics : Wells Fargo consistently sent me update letters later than expected, which caused further confusion and frustration. This delay in information meant that I was kept in the dark about the progress of my case and had to repeatedly inquire about its status. Ignored Calls : My attempts to communicate with Wells Fargo via phone were largely ignored or met with prolonged wait times. This left me feeling unheard and unsupported as I sought to address the issue. Lack of Transparency : The lack of transparency regarding the steps being taken to investigate my chargeback request only deepened my sense of helplessness. I was left to speculate about the progress and actions being taken by the bank. I strongly believe that these tactics were employed intentionally, preventing me from securing the refund that I am rightfully owed as a customer. It is disheartening to realize that a bank, which I trusted to protect my interests, seemed to prioritize delaying and obfuscating rather than ensuring my financial security. I am hopeful that by sharing my experience, I can contribute to greater awareness about the challenges consumers face when seeking assistance with chargeback claims. I am reaching out to your agency to request a thorough investigation into my case and the handling of chargeback requests by Wells Fargo. My intention is to ensure that other customers do not have to undergo a similar ordeal and to hold Wells Fargo accountable for its actions. Thank you for your time and attention to this matter. I look forward to your prompt response and action. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Federal Trade Commission, I am writing to complain about the corrupt and chaotic management of Wells Fargo Bank, which has led to the bank charging me an unauthorized fee. In the past, Wells Fargo has repeatedly leaked my personal information, putting my credit card at risk of being stolen. To protect myself, I requested a new card. After receiving my new card, I attempted to make a payment using the same ACH card that had previously been successful. However, the payment failed. I called Wells Fargo, and they told me that it was my fault. On XX/XX/XXXX, I made another payment, again using the same ACH card. This time, the payment was successful. Despite the fact that I had made two successful payments, Wells Fargo then charged me a late payment fee of {$45.00} on XX/XX/2023. I strongly condemn this predatory behavior. I demand that Wells Fargo immediately refund this fee and apologize for their actions. I also hope that the authorities will investigate Wells Fargo 's chaotic management and looming bankruptcy. This bank is a danger to the public, and it must be held accountable for its actions. 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: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Balances is not correct on my account causing Overdraft and fees, declined payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Over the last year I have lost approximately {$3000.00} to fraudulent use of my Wells Fargo Debit Card. I have initiated three separate investigations and ordered three new debit cards and each one has been hacked and money stolen. Each investigation has concluded that no fraud is involved and basically I am a liar and a thief. The last debit card was shipped to me at the end of XXXX this year. I changed my user name, password and PIN number. Yesterday at XXXX someone attempted to withdraw {$21.00} from my account from an ATM three hours from where I live. Fortunately I have my card turned off so the transaction was denied. I called Wells Fargo yesterday and they were apologetic but they still stand by the results of their investigation that I am the one responsible. I am a senior citizen supporting my XXXX wife on my Social Security check. I dont know where to turn or what to do. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A