Date Received: 2023-08-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was having some financial difficulties paying my auto loan. I fell XXXX payments behind. Wells Fargo sent me a notice regarding repossession of the vehicle if I did not make the XXXX payments. I made a call to make an arrangement to bring the account current in the amount of XXXX. I was advised on the call that I had late fees as well in the amount of XXXX which totaled out to XXXX. I requested for the past due payment of XXXX to process on XX/XX/2023. After going over the detail with my family I decided to call back on XX/XX/XXXX cancel the XXXX pending payments for the XXXX. I requested a XXXX month deferment on a different call on XX/XX/2023 and was granted the deferment by the banker. I was under the impression from the prior calls that the previous payments were cancelled. As on the call I tried to set up another payment with him and he said I had a payment in the amount of XXXX already set up. Which I was confused because prior I asked for them to be removed. However I advised we could still keep the payment of XXXX, I placed that amount in my bank and when it was time for the payment to come out they drafted XXXX instead which caused my account to go into the negative and accrue fees etc. Now when I call wells Fargo on XXXX separate occasions their rude staff did not provide me details and said they would review the call and get back to me. Now I receive this contradictory letter that was poorly typed which basically says I called, I cancelled, I was approved for a deferment, and that on the last call which should have been the only and final agreement that the banker told me there was a check set up for XXXX and he never mentioned the XXXX and when I checked my wells Fargo auto account it said the exact same. I am sick and tired of how these financial institutions take advantage of consumers when they are having difficulties this is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
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: Wells Fargo lawsuit not notified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32068
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, Wells Fargo closed my XXXX XXXX credit card account without any warning or notice, several months after I signed up for the card and have been using and paying it. I learned this when a charge was declined, and I logged into the app and it says my card was reported lost or stolen. Since I didn't report it lost or stolen, I called customer service. They told me I need to speak to the fraud dept and transferred me. Fraud dept said my account was closed because Wells Fargo determined the application was fraudulent. They said I need to speak to application fraud dept to fix this and transferred me. Application fraud dept said they can't fix it, and I need to speak to customer service again, and they transferred me. Customer service said they will escalate this and someone will call me in 48 hours from the Customer Advocacy Group ( CAG ). No one called me, so I contacted CAG. CAG informed me there was no escalation done, and they will now escalate to the executive office and someone will call me in 48 hours. I am still waiting for that call, and at this point felt filing this complaint would be my best change for resolution, as Wells Fargo is a group of disorganized liars who have made no attempt to help me. I want to get this account reopened and for Wells Fargo to acknowledge that I did not fraudulently apply for a card in my own name, that I have been paying in full and on time. They have wasted hours of my time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Wells Fargo was fined and ordered to remit payment for damages to consumers for REPEATED misapplied payments from XX/XX/XXXX to XX/XX/XXXX. Wells Fargo issued me a check on XX/XX/XXXX for {$9.00}. The check was for {$7.00} misapplied payments and {$1.00} for the time I did not have the money. Providing {$1.00} for misapplied payments for XXXX is absolutely absurd. Wells Fargo charge a late fee when car payments arent made in time, therefore Wells Fargo need to also pay me for every month they were late, paying the alleged {$7.00}. Furthermore, Wells Fargo provided no explanation of HOW the {$7.00} was accessed for the REPEATED misapplied payments. There is no doubt in my mind that Wells Fargo misapplied MORE than {$7.00}. Wells Fargo continues to REPEATEDLY violate consumer laws. In the past Wells Fargo fraudulently charged me for XXXX XXXX, when I already had auto insurance, I had to argue with Wells Fargo for several months and provide proof of insurance to dispute the unfair compensation Wells Fargo provided for the fraudulent CPI insurance. Now, here we are yet AGAIN with ANOTHER CONSUMER LAW VIOLATION. The CFPB ordered Wells Fargo to remit payment for damages and {$1.00} is a NOT SUFFICIENT amount for damages for this new misapplied payment violation. At this time Wells Fargo need to ALSO pay me PUNITIVE DAMAGES due to REPEATEDLY VIOLATING MY CONSUMER RIGHTS!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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: Wells Fargo " acknowledges '' a " problem with credit card transitions ''. I paid off the balance of card, it did not register, rather what appeared is a different charge/balance that does not correlate with any charges made. Balance on card was XXXX. That balance was paid on XX/XX/16, but did not show up. I could not track this payment, so I paid the new balance, now XXXX. This is fraud. They need to pay back the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 opened a wells fargo credit card for their 0 % balance transfer offer. I applied for a balance transfer of XXXX by taking a picture of my discover card and submitting it online. This went thru per wells fargo on XX/XX/XXXX. My discover card never recieved these funds. After review wells fargo submitted the funds to someone else 's discover card number which they gave me their number and stated since it went thru to someone else 's discover card it was my responsibility to pay the XXXX. I contacted discover card and after giving them the card number wells fargo gave me they said the balance transfer did go thru but that this mistake was made on wells fargo end and I had to go thru them not discover. I called wells fargo again and was told that since the funds went thru to a discover card member that I was liable for this charge and there was nothing they could do since they can not recover these funds from discover card. I told XXXX # XXXX who I had been talking to that I should not have to pay another person 's balance and he stated there was nothing they could do. That I owed the money that was never put on my account. This is not right. I am not liable for another person 's debt. This has got to be a fraud because when I asked him how the picture of my discover card number got translated wrong he said that it was my debt still.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX I have two fraudulent charges made to my checking account these charges were made via XXXX XXXX online payment to a XXXXXXXX XXXX XXXXXXXX, The Charges were for {$1500.00} and {$1100.00}. I reported the fraud on the morning of XXXX as soon as I woke up and saw the charges. My bank Wells Fargo said they would investigate and that I would not have access to my funds until they completed their investigation. On XXXX there were XXXX more fraudulent charges to my account one was XXXX BANK TRANSFER XXXX in the amount of {$7900.00} and another was XXXXXXXX XXXX XXXX Payment XXXX XXXX in the amount of {$330.00}. These new charges over-drafted my account by over {$5500.00} dollars. Additionally {$830.00} was taken from my savings for overdraft protection to cover the new fraud. I called my bank ( Wells Fargo ) to report the new fraud and to question them as to why they did not take proper precautions to protect my account after I had just reported the fraud the day before. My bank just told me they would add the new charges to the fraud investigation and that I would have to wait for their investigation to clear before I could find out if I would get my funds reimbursed. I am now in a situation of having an overdrawn account from which I have automatic bill payments taken out of including utilities. I believe the bank was negligent in allowing my account to be overdrawn like this after reporting fraud the day before. I am left with no money and they are making me wait for an investigation to determine whether I get my funds. I am in trouble and the bank basically just told me I was out of luck. They offered no financial assistance for my hardship to to what I feel was gross negligence on the part of my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I got scammed by someone on XXXX and WellsFargo refused to reimburse me for the money from when I filed a fraud claim. After calling several times and jumping through so many customer service hurdles and waisting my time, the notified me three days later that my claim was rejected the same day I opened it, which makes XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX my computer was hacked and I got sucked into a scam that day and also on XX/XX/XXXX. On XX/XX/XXXX the scammer had me wire transfer {$24000.00} to another Wells Fargo customer and then he showed me on line that my checking account was hacked. He had me go to another Wells Fargo branch the following day, XX/XX/XXXX, and wire transfer {$26000.00} from my savings account to a different Wells Fargo customer telling me that both accounts had been hacked " probably by a Wells Fargo employee ''. The scammer told me not to answer any Wells Fargo phone calls and he told me not to speak with family or friends about any of this. On XX/XX/XXXX I broke my silence and my family made me aware that I was in a middle of a scam ; I am XXXX XXXX XXXX and I had no idea I was a victim of fraud. We confirmed the scam with Wells Fargo on XX/XX/XXXX. I then immediately filed a report with the city of XXXX Police Department. I filed a report with the FBI. I filed a report with the FTC. XXXX XXXXXXXX XXXX XXXX of the FBI phoned me to ask if my money had been returned ; I told them " no ''. I filed a claim with my home owners insurance and they denied it. Someone kindly reported my situation to the XXXX XXXX XXXX XXXXXXXX XXXX who made one phone contact to me to check on my well-being. I was told by Wells Fargo that because I initiated the wire transfers, the money was gone and I would not be reimbursed even though they knew that the money was sent to two of their other customers ' accounts. I escalated my claim to the President/CEO of Wells Fargo and after their investigation they said my claim was denied because the bank said " funds from the wire are not able to be credited to my account. '' The {$50000.00} cleared out my entire checking account and my savings account. It has been devastating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/2023 at XXXX. I used a Wells Fargo ATM located at XXXX XXXX XXXX ( front facing right ATM ) in XXXX, NC with my XXXX debit card. I attempted to get a cash deposited to me in the form of {$640.00} with a {$3.00} atm fee. I selected XXXX & XXXX and when the transaction was completed I chose no receipt and the machine when completed gave me my card and only {$280.00} in XXXX came out. As I sat and counted I looked back at the machine and it did not give back the rest of my money. After sitting for a few minutes I panicked and called Wells Fargo and my bank to tell the customer service my issue for a dispute. Although I have to wait 7 days to resolve the issue I have bills that HAVE to be paid immediately and am now stuck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A