Date Received: 2023-08-23
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Hello I had a car loan with Wells Fargo and had multi payments applied incorrectly and would constantly have to call them to rectify payments. I contacted them about the settlement and they said I was in eligible, but I have difficulty believing them. I would love for someone to look into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
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 the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Good afternoon, the problem is still with Wells Fargo Auto. I previously opened a case with you number XXXX to help me because the bank previously authorized the replacement and they damaged the car and I only paid a part of the damages, but they want me to pay penalties for the months of delay that the car has been damaged, they damage my car, they do not pay for the damages, I have paid the months in arrears, but they want me to pay them a penalty for delay too, I think it is very unfair, thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33174
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: Cashing a check
Consumer Complaint: I mailed a check on XX/XX/XXXX for {$3200.00} from DC to my sister in XXXX Washington, and gave my daughter a check for {$3200.00} on XX/XX/XXXX, intending to close out the checking account for my mother 's trust ( she died in XX/XX/2021 ), which had a balance of {$6400.00}. On XX/XX/XXXX, received email from Wells that account was overdrawn by {$1000.00}, and discovered that check mailed to my sister had been altered to {$4200.00}, and payee had been changed to XXXX XXXX. Immediately called Wells and reported fraud. They would not email me affidavit to complete, which I only received by US mail on XX/XX/XXXX. Completed affidavit, had it notarized and returned certified mail XX/XX/XXXX, and it was received by XXXX XX/XX/XXXX. After numerous call to their fraud department, finally got call from investigator today, XX/XX/XXXX, who said I have to wait until they recover funds from bank which accepted fraudulent check in order for them to credit my account the {$4200.00} They agree it was fraud -- the handwriting in the altered amount and the name were clearly different than the rest of the check, and I should not have to wait for them to get their funds, as they accepted a fraudulent check. I did nothing wrong. When I mailed it, the check was inside a paper addressed to my sister and not remotely visible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
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: 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: I received an email from XXXX asking me to XXXX for the business account I ordered. I didnt order this and called the XXXX number to correct this. I was told there were additional charges made totaling {$3300.00}. I was asked to open my computer to fill out a refund form, which I did. They showed me that I made an error and put in {$33000.00}. I was horrified and they asked me to open my bank info and it showed a deposit for that amount. I now know they were controlling my computer and everything they showed was false. They said they would lose their jobs so I couldnt send a check. I wired {$30000.00} and, {$19000.00} because they showed me that only part of the first wire went through and the second was declined. They then told me my only recourse was to buy gift cards, which I did. {$7000.00} on XXXX XXXX, which was considered fraud and removed. I also got {$11000.00} on my Wells Fargo visa. After a month of being shifted between fraud, then disputes, back to fraud and again in disputes, I was informed today that my only recourse was to go the merchants to see if any money was left on the gift cards. I reported this on XX/XX/2023 after buying the cards on XX/XX/XXXX. My entire checking and savings was gone, around {$57000.00}. I dont have the resources to pay this as I am now on social security with a very small pension. I reported the scam to the XXXX XXXX Police in PA incident # XXXX on XX/XX/XXXX and an XXXX report on XX/XX/XXXX. I also submitted a scam complaint to the PA Attorney General on XX/XX/XXXX. I also sent a copy of the email to the XXXX phishing website an feceived phone calls and emails from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: To Whom It May Concern : It has been brought to my attention that { wells fargo } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { WELLS FARGO }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { WELLS FARGO } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this WELLS FARGO be permanently removed from my XXXX report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX }
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: 2023-08-23
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: On XX/XX/2023 I noticed a transaction that I did not do. I looked at my account history and found out that they had been doing it since the middle of the month previous. I called Wells Fargo and submitted a claim of fraud totaling {$11000.00} over 39 transactions. Wells Fargo fraud submitted the claim and said it could take a while to process. Later found out that I was a victim of identity theft, the person or people involved cloned my phone accessed my XXXX had access to both of my banks. Credit cards, debit cards, XXXX and XXXX XXXX accounts. This person or persons drained my XXXX account sent it to my Wells Fargo account and then sent it to my XXXX XXXX account and then sent it the money to themselves. All of the money through XXXX to accounts that don't exist anymore. They maxed my credit cards and drained my other bank account as well. Those have been fixed and reversed but not Wells Fargo! I filed the The claim through Wells Fargo. And then I went and filed a police report as well. Got a message from Wells Fargo denying my fraud claim and said that it was not fraud. I tried to explain to them that yes it definitely was fraud because my phone was cloned and I had to get it completely reset and lost all of my information that they did not just drain Wells Fargo. But they drained my other accounts and credit cards and that I filed the replace report. The fraud specialist told me well. The decision is final and there is nothing that we can do. Your claim has been closed and can not be reopened. I was very mad about how I was treated so I filed a complaint that complaint took me to executive and I filed a complaint there as well. Still to this day they are saying nothing can be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83338
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received a fraudulent credit card from Wells Fargo and have called approximately 50 times trying to find someone there that would cancel it and remove my personal information from their system so they can not open more fraud accounts in my name. On one call a person claiming to be a manager at the executive branch guaranteed me the account was closed and he would submit to remove my information and gave me his phone number which turned out to be also fake. He did not close the account, i am still getting email and letters about it and he did not remove my information from the system or I would not be getting emails and letters!!! I tried going thru wells fargo website to have my information removed and it wants EVEN MORE PERSONAL INFORMATION!! I am not giving this fraud bank more information! So they can open more fraud accounts??!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 597XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023 Wells Fargo sent my credit card balance of {$1600.00} to XXXX, XXXX and XXXX. I pay off my credit card each month and I never had an outstanding balance. My credit limit on this credit card is {$8500.00} and my current outstanding balance is {$0.00}. Due to Wells Fargo careless action I received a notice from XXXX saying they reduced my FICO score by XXXX points due to a high balance. From Wells Fargo to XXXX, XXXX and XXXX Your WELLS FARGO BANK account balance increased to {$1600.00}. Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. Resulting action from XXXX XX/XX/2023 Your XXXX Score has decreased by XXXX points. Your XXXX Score has decreased XXXX points to XXXX. Even though your XXXX Score went down, your Credit Rating did not so it should not impact your credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX Applied for and was approved for the Bilt Mastercard by Wells Fargo XXXX XXXX Used credit card for the first time for a purchase totaling {$120.00} XXXX Paid entire {$120.00} balance using the Bilt app. XXXX Used credit card for one purchase totaling {$1500.00}. XXXX Paid {$750.00} towards balance using the Bilt app. XXXX Paid {$750.00} towards balance using the Bilt app. XXXX Used credit card for one purchase totaling {$1400.00} XXXX Used credit card for one purchase totaling {$63.00} and paid {$750.00} towards balance using the Bilt app. XXXX Logged into Bilt app to pay remaining balance and received a message that my account was past due. Paid the entire balance of {$1500.00} using the Bilt app. XXXX Attempted to use credit card and was payment couldn't be processed. Called Bilt support. To my surprise, I was told my account had be closed " due to fraud '' and that none of my payments besides the one made on XX/XX/23 had gone through but the agent couldn't give any additional details as he had limited access to my account. I was transferred to another agent with Wells Fargo who stated she would open a complaint on my behalf and that someone would be in touch with me. XXXX I received an email from Wells Fargo regarding my complaint and was told that I would be getting a response within 10 business days. XXXX XXXX from Wells Fargo called me and said that all of my payments made on the app were declined due to insufficient funds. I told her that was impossible and that I did indeed have the money in my accounts and that even if I didn't, I had overdraft protection with my bank and that there should've been no reason why the payments didn't go through. She asked me to go to my bank and provide an account statement proving that I had the funds and she could forward that to the team who was investigating my complaint. I went to my bank and spoke to a representative who provided the information for me and said that it " sounds like an error with Wells Fargo ''. I sent in the information via email to Wells Fargo. I was hesitant to make anymore attempts at paying towards my balance using the app but after speaking with XXXX, I made a {$5.00} payment using the Bilt app to see if the transaction would go through. XXXX said it would take a few days to post and that she would call me back with an update. XXXX I received an email from Wells Fargo stating they needed more time to complete their research and were now going to follow up with my by XX/XX/XXXX. XXXX I received another email from Wells Fargo , saying that I missed my last 2 payments to my credit card and they would be happy to get me back on track. This was the first and email I received stating that my account was deliquent. XXXX XXXX from Wells Fargo called me again and gave me an update, saying that the {$5.00} payment did go through and that they were still working on my request but because Bilt had their own team, she had to wait to give me any further information until they completed their investigation. I asked her if they put a hold on reporting me to the credit bureau until they finished the investigation and why they didn't put a hold on adding late fees to my account. She said that she couldn't do that, but they could retroactively go back and " correct things '' if the investigation came back and Wells Fargo was at fault. I told her that I didn't think that was right as I have clearly been trying to pay on my account but the app had previously kept refusing my payments. I also told her that I have worked very hard on my credit and that I had not been late on a payment in over 10 years as evidence of my credit report. She said I could call and make a payment over the phone, but she couldn't take any payments, that I needed to call another number and they could accept my payment, but at this time there wasn't anything else she could do. On XX/XX/23, I made a payment of {$1000.00} towards my balance over the phone. XXXX I received an email stating there had been a change to my credit report and my credit score had dropped XXXX points. I read several complaints online where customers had similar issues with the Bilt credit card in particular and the Bilt app having " bugs ''. After speaking with a family member, I was told that I needed to file a complaint with the CFPB. XXXX Filed complaint with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32224
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX formerly XXXX XXXX. I have not been able to access my statements or pay my bill online since XX/XX/2023. Wells Fargo officially took over the XXXX XXXX accounts on XX/XX/2023, but has been in transition since XX/XX/2023. Each month since XXXX, I have been denied access. I have to call and offer my bank account info to customer service. Each month I ask them to help me gain access. I have spoken with Tech support & customer service. I finally spoke with someone who could tell me it was due to my name changing in my divorce. I previously had an account but closed it so my ex couldn't access my funds. The account is still active to the point of recognizing me as a former customer. The Tech agent instructed me to go to the bank branch where I opened the account and show them my Driver 's License to resolve the issue. I went to the branch in XXXX and spoke with an account manager and explained my issue. She opened my account but would not make the adjustment stating that I must first show the document of my name change and my divorce decree. She printed the current statement for me. While there, I complained that I did not receive my statements and when I last called I was over my limit without being notified. She said I could change my preferences when I got online but she would not let that happen. So it seems that anyone can access my account but me. My address, phone number, email address, and, SS # have not changed. Only my last name. My credit card has my current name as does my license. I showed legal documents to get those changed. That should be sufficient. I have returned twice with the documents she requested but there was nobody there that could help me. I told them that my job responsibilities do not coincide with banking hours and they are making this much harder than it should be. They responded by saying they are like doctors and I would make allowances for my doctor so accommodating their hours is my responsibility. I offered to leave the documents they needed but they refused, stating that I had to be present. My license is a legal document that should be sufficient along with the CC, both in my correct name. This is nothing less than bullying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A