Date Received: 2023-08-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I opened a claim for transactions totaling in {$17000.00}. Within XXXX hours or less I was contacted by Wells Fargo bank and was told the claim had been closed and dismissed for undisclosed reasons. I was insisting reopening the claim or finding another solution but XXXX XXXX XXXX ID : XXXX informed me there was nothing else I could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My mortgage is with Wells Fargo at the end of the year they take my escrow and pay my home insurance and taxes. I have had Homeowners of XXXX insurance policy for a long time. I have paid my dues for 13 years and when I needed to reach out to them the call goes straight to a voicemail and no one calls me back ever!! I have been calling since XX/XX/XXXX and it is now XX/XX/XXXX with no call back. I believe this company is a scam and I would like some assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a leader in the finance industry. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I never opened an account or credit card with Wells Fargo yet, I was sent a card in the mail on XX/XX/2023. They also ran a credit check that I did not authorize. I called the number on the letter to get it resolved. They put a hold on the card, but then said they would have to transfer me to get the account closed. Then they transferred me to a dead line with no answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I need them to respond to the complaint and previous reports and send me the investigation and third party contact information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, scammers accessed my Wells Fargo account and set up a wire transfer of {$25000.00}. They then called me from what appeared as Wells Fargo 's XXXX number and impersonated Wells Fargo 's fraud department. They told me my account was compromised but they would assist with securing everything and reversing any fraudulent transactions. They told me we would be sending a wire back to myself to rectify the situation. The wire appeared as if it was being sent to me but was sent to a XXXX XXXX XXXX account to someone I have no relation to. The wire was unauthorized and does not benefit me in any way. The next morning I contacted Wells Fargo regarding this matter and they referred me to the fraud department phone # and instructed to call on Monday morning, XX/XX/XXXX, which I did. On XX/XX/XXXX, I filed a claim with the Wells Fargo fraud department and they assured me my money would be refunded within XXXX business days. On Monday XX/XX/XXXX, I received a letter in the mail stating I would not be reimbursed the money per Wells Fargo 's terms and conditions. This is in clear violation of the EFTA, regulation E. I have escalated the claim and received notice from Wells Fargo that they are looking back into it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit burea seeking maximum damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My father and I purchased a used car that was financed through Wells Fargo in XXXX through XXXX. Throughout the life of the loan we were charged late fees that was attached to the high interest loan. The vehicle was eventually repossessed due to Wells Fargo inability to work with me and my father as some of the payments had ran behind along with the the all of the add on fees that came with the loan. I wanted to make sure that Wells Fargo correctly reviewed the loan and if there were any payments that were recorded incorrectly or if there were any refunds due that they would be returned to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I received a notice from an official at my school, saying that one of my teachers was downsizing and selling her XXXX XXXX XXXX accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through XXXX XXXX, which is connected to my debit card at Wells Fargo, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my Wells Fargo bank account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at Wells Fargo, one of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that XXXX XXXX is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is one of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at Wells Fargo, because he already told me I couldn't get my money back. I then tried going through XXXX XXXX XXXX on XX/XX/2023, because Wells Fargo told me that the purchase was not made through them, but through XXXX XXXX XXXX XXXX repeated what Wells Fargo told me and it felt like I was going in circles looking for an answer to this scam. I tried re-filing the dispute with Wells Fargo, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either Wells Fargo or XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: While my complaint is massive with Wells Fargo, I would really like consumers to be aware of what Wells Fargo is doing with respect to COVID-era assistance. In XXXX of XXXX, Wells Fargo offered COVID assistance in the terms of a 3-month deferral through a blanket email sent to all mortgage customers ( an email I no longer have and one Wells Fargo flat out refused to send again for our records ). Our mortgage maturity date is XX/XX/XXXX, and Wells made it clear the deferral would not include an extension of the maturity date. Now, due to this deferral, offered by them and NOT sought out by us, they have accelerated the maturity date by 3 months because we paid the deferred amount in our mortgage payments since XX/XX/XXXX. A big no, no according to Wells Fargo ( to customer 's that consistently paid for 23 years with not a blip ). Please let consumers know if they are trying to make small payments on top of their regular mortgage payments to make up the COVID offered assistance, Wells Fargo will call your loan ahead of the maturity date. Depending on particular circumstances, Wells will also claim they told you all about that in a letter dated AFTER the deferral period and repayment beginning ( well, at least that's what they did our case ). I have requested documentation from Wells for the period before XX/XX/XXXX, but was told there was none that could be seen, and asked why we would even request that ; very odd interactions given the history of making all payments, on time, as agreed to in one form or another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A