Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, around XXXX XXXX I attempted to deposit {$300.00} cash at the Wells Fargo ATM, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After inserting my debit card and entering my pin, I selected DEPOSIT and inserted {$300.00} cash into the feed. I then noticed that the machine feed was not working properly so I canceled the transaction and started the process again. I then re-entered my debit card and pin, selected DEPOSIT, and inserted {$300.00} cash a second time into the feed. The feed accepted the cash deposit, but due to a malfunction started rolling over repeatedly as though it was processing the deposit without stopping. I waited approximately five minutes for the deposit to be returned or for the ATM to render a receipt. Neither happened. After that, on the ATM screen appeared a goldish/yellowish sign that read words to the effect of a " technical issue ''. I then selected " return card '' for fear my ATM card would not be returned. I immediately summoned the Security Guard at the entrance to the bank who was a few feet away. I asked him to look at the ATM to witness the problem with the machine. He then directed me to go inside the bank and inform the teller which was near closing time. The teller gave me her business card and told me to contact the Claims Department since she was unable to resolve the issue at the Branch. The name listed on the card is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Tel : ( XXXX ) XXXX ). XXXX. Around XXXXXXXX XXXX on XX/XX/2023, I left the bank and contacted the Claims Department around XXXX XXXX from my mobile phone. Sometime later the bank granted me a " provisional credit '' pending the outcome of their investigation. However, upon completion of their investigation, they indicated that there was no malfunction with the ATM and opted to reverse the provisional credit by debiting my account for {$300.00} which devastated my finances. I have been a long-time customer of Wells Fargo for over twenty-plus years and have never experienced anything of this magnitude. Although at times when I deposited cash at the ATM if there was a problem with the currency being wrinkled or too many bills, the machine returned the money to me. I would then re-enter the cash deposit with no problem. As a result of their decision to rescind the provisional credit of {$300.00}, I may be forced to close the account. I am heartbroken that I was treated this way by a bank I thought I had established a long-time relationship with. Apparently, they are no longer interested in my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92584
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: Fraud or scam
Subissue:
Consumer Complaint: I work as an XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX in XXXX SC. We are the victims of a phishing scheme where my email address and signature likeness were stolen and used to re-route/lure payments for repossession services rendered to our clients to a faked scammer account opened with the same business name. The email address utilized in this scheme was transposed by removing one of the ; S ' in the word professional which made it very hard for our clients to detect that this was not being sent by me at a glance. Also my signage of Thanks, XXXX was also applied to each email the scammers sent out making it appear more real to the clients. the faked email address used was : XXXX. The correct address that was phished is : XXXX. Note the difference in the spelling of Professional. We have been able to determine that this faked account opened in the name of XXXX XXXX XXXX, which is the name we previously used for business in XXXX XXXX MO. Several of our clients were sent the email I have attached as Exhibit 1 - advising them of an issue we apparently were having in our company ( that never happened ) and directing the clients to contact them for new banking information redirecting their direct ACH deposits of payments for repossession services rendered by XXXX XXXX XXXX to a fraudulent scammed bank account. One of our clients- XXXX XXXX XXXX unfortunately was fooled by the scheme and deposited payments meant for XXXX in the amount of {$13000.00} before becoming aware this was a phishing scheme. XXXX XXXX XXXX reached out to Wells Fargo Bank where the account resided to advise of the scam and obtain assistance in reimbursement of the misdirected funds. A copy of the banks response is attached as Exhibit 3. There is no indication that Wells Fargo opened a fraud case or reported this incident to the FTC or CFPB for investigation as they advised in the letter they reached out to the customer and asked if they would return the funds. A response has also not been received from the bank 's fraud team to advise they investigated this scam at all as being fraudulent. We are not aware of what information the client provided to them when reporting the case as we are in a different state. The banking information for the fraudulent account that we are aware of is : Account # - XXXX - Bank Name - Wells Fargo of XXXX XXXXXXXX MO and routing # XXXX. This account we found out was closed XX/XX/. I am filing this complaint on behalf of my client, XXXX XXXX XXXX - XXXX Georgia, Company - XXXX XXXX XXXX XXXXXXXX XXXX SC and myself as my personal signage and email was compromised by the scammer in pulling of this scheme, We have indications that they are still at this as now our company 's accounting email have been compromised. We would appreciate your review and investigation of this case as we are a small company and can't afford to just lose over {$13000.00} to scammers. Please see our contact information below and reach out should additional information or documentation be needed for you to investigate this case. XXXX XXXX XXXX - XXXX and XXXX XXXX - Toll Free XXXX ext. XXXX XXXX # - XXXX and website is : XXXX XXXX XXXX XXXX XXXX contacts are : XXXX - XXXX XXXX - Telephone : XXXX Ext XXXX - Email : XXXX. I can be reached by phone at : XXXX Ext. XXXX and email - XXXX. Our XXXX is XXXX XXXX - his phone contact : XXXX ext. XXXX and email : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I reported this incident back on the XX/XX/XXXX and nothing has been done and here is XX/XX/XXXX and I am still waiting on a resolution. I am so far behind on my bills because I I am in the negative and nothing seems to be getting done. My husband 's Tax return check is frozen and we have no money to keep going
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
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 XXXX I came across an XXXX account called XXXX. I wanted to buy shoes and the account pressured me into using XXXX. I had tried giving my XXXX information so they could send me an invoice, they stated they dont take XXXX. I tried to use XXXX because I know they also have a goods and services feature. They then made up an excuse that their XXXX couldnt receive any more funds. I did not really understand this and was confused so I just agreed to XXXX because they suggested it but I didnt know that XXXX doesnt offer goods and services transactions. The total transaction amount was {$610.00} and the posted transaction date was XX/XX/. The XXXX recipient used the email XXXX with the name XXXX. They stopped responding after receiving the funds. I filed a claim with my bank, Wells Fargo, explaining that I was pressured into using XXXX even after I tried to use XXXX goods and services payment. I also disclosed to them that I later discovered the XXXX account was using stolen reviews from another business going by a similar name. I disclosed that this false information misled me into thinking the account was a reputable and trusted business. Wells Fargo responded with a statement that said they couldnt help me because the transaction was processed as requested however, that is literally how a scam works. The promise of a good or service and then not following through. Of course I authorized the payment because it was intended to be for an exchange of goods, however, they scammed me by never responding after that. As of XX/XX/ they have deleted their XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint about WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im efforts to make additional income, I applied for a position and was contacted for an interview. The process seemed legitimate and since it was a remote contract work the company sent a check for covering equipment. This check was deposited into Wells Fargo account. The company for employment proceeded to say they set up a vendor for equipment since it will be loaded with company software and that I would need to send funds to the vendor. This did seem sketchy but as a fail safe I decided to contact Wells Fargo and confirm that the funds were legitimate and that money is mine. At this point, if the funds are truly mine what would I have to lose. After sending a few days of confirming with Wells Fargo and the funds were cleared i had to send money via wire transfer which failed, still contacted Wells Fargo through the process. The vendor requested XXXX, so this was sent. Then after sending funds, the check was no longer in my account and I was negative. From there it was obvious i was a victim of a scam. It was frustrating as I consulted Wells Fargo the whole process but once the investigation was set to commence, they closed the case within 24 hours and essentially said it was my problem, how could I have not known and it was my fault for Willingly sending a XXXX. I called to have the XXXX reversed but they didnt process it in time and now Im negative {$3600.00} even though I would not have sent it if the funds truly werent cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This is a debt from a checking account they claim was overdrawn when I chose to leave Wells Fargo. This is a debt from XX/XX/XXXX. It was charged off in XXXX. FAR BEYOND THE STATUTE OF LIMITATIONS IN CALIFORNIA AND THE FEDERAL LAW. The collection agency indicated they have been attempting to collect for over 15 years but I never received notifications or telephone calls. I informed them that I moved from California over a year ago so any recent collection efforts would have been missed. They recently reached out to a relative with whom I had legally sought to protect myself from ( why I left California ). The communication with the collation agency encouraged the relative to locate me to deliver the message from the collection agency. All over a minimal collection amount : Original debt {$1400.00} Proposed payment {$2900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Wells Fargo Auto is attempting to collect upon a misrepresented debt amount of {$3600.00}, after this bank offset/setoff/charged off this account on XX/XX/XXXX, which is evident in the XX/XX/XXXX transaction history report of accounting. Principal balances of account On XX/XX/XXXX = {$18000.00} On XX/XX/XXXX = {$12000.00} after deficiency balance adjustment On XX/XX/XXXX = {$15.00}, XXXX after collateral sale adjustment On XX/XX/XXXX, sold repo car for {$15000.00} {$15000.00} - {$15000.00} = XXXX XXXX ( off set/set off ) On XX/XX/XXXX = balance changed to {$170.00} ( charge off adjustment ) On XX/XX/XXXX = minus {$170.00} ( principal payment by Wells Fargo on its own ) {$170.00} - {$170.00} = XXXX XXXX again ( 2nd off set/set off ) Wells Fargo relies their false presumption based on an XXXX XXXX, XXXX letter which contains erroneous accounting, that DOES NOT account for the several accounting adjustments. I spoke several times with their Escalation department with XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX lead ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) and each maintain that my eyes are deceiving me and that I am confused. We went line for line in their accounting and Wells Fargo refuses to believe its own accounting. I believe Wells Fargo is perpetrating deceptive practices and fraud by misrepresenting false accounting contrary to its own accounting statement to get me to rely on this information in order to collect a false debt. I will take it a step further with this fraud. Promissory notes are collateral securities. National banks are intermediaries between consumer and Federal Reserve. They securitized the note, possibly sold and/or trading the note making money many times over. The note paid the debt from the inception of this transaction. The promissory note is money of account ( not money of exchange ). They ledgered the note as an asset, and pretended to issue me a loan when in reality the credit derived via my social security account ( remember, social security card is a credit card according to 15 U.S. Code 1602 ( l ) which states, " the term credit card means ANY CARD, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Wells Fargo only advanced me my own credit thru the federal reserve and not on its own assets or upon the assets belonging to other via fractional reserve banking techniques ( see Modern Money Mechanics by the Federal Reserve ). THIS DEBT IS IN DISPUTE. On XXXX I issued Wells Fargo an official validation of debt per 15 USC 1692g to the CFO ( XXXX XXXX ) which was received on XXXX. They have 30 days to respond. I believe the CFO 's office kicked my request and demand back to the escalations department which is the bottleneck of a problem. Also, I do not believe there exists an actual application for a loan but only a promise to pay between seller and buyer which was assigned by seller to Wells Fargo, which is not evidence of an application of a loan. I demand to see the original application for the loan or else there is no loan and fraud really was perpetrated upon me. About Attached Affidavit of XXXX XXXX. XXXX XXXX was an expert witness in a case who worked for the federal reserve and in this affidavit he explains what money is and what it is not and how banks really operate. Attached is the signed version and the more clearer not signed version.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: Subject : Complaint Regarding Fraudulent Actions and Mismanagement by Wells Fargo Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a complaint against Wells Fargo for their deliberate card replacement and fraudulent misrepresentation of successful repayments on my previously functioning card. Recently, due to the bank 's chaotic management, my personal information was once again compromised, placing me at risk of potential fraudulent activities. Consequently, I requested a replacement for my card to safeguard against potential misuse. However, after confirming my new card, the system failed to seamlessly transition my previous account details. Despite successfully making payments on my bill, the system falsely indicated payment failures and neglected to acknowledge my successful transactions. I had utilized the ACH card for automatic repayments on numerous occasions in the past, and even this time, my account information displayed no anomalies, and payments were made promptly. Wells Fargo 's actions in this matter seem indicative of fraudulent behavior or severe management dysfunction. During a recent call to their customer service, I was repeatedly transferred between representatives, and their discourteous and insolent attitude became unbearable. I could only convey the message that they urgently need to enhance the quality of their services. I implore the relevant authorities to thoroughly investigate the fraudulent and mismanagement practices exhibited by Wells Fargo. It is essential to regulate such behavior and ensure that consumers are treated fairly and with respect. Thank you for your attention to this matter. 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: 2023-08-17
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 was XXXX on a thursday XXXX of XXXX. On Friday the XXXX of XXXX I released my property to a friend vehicle keys cell phone wallet ect. An unauthorized withdrawal from an ATM in the amount of {$1000.00} was made late friday XXXX of XXXX with multiple attempts at withdrawing more but my max was reached at {$1000.00} that day.the following day another unauthorized withdrawal was made on the XXXX of XXXX in the amount of {$700.00}. I was released on Sunday the XXXX in the morning. These were unauthorized withdraws. I filed a fraud claim. Wells Fargo the credited me the money " I was under the impression that they acknowledged my claim '' so I paid bills and what not with the money. Days later the come back to say that my claim is closed and stated that " Either it was me who made the withdrawals or it was someone I gave permission to, consider this claim closed we will be withdrawing the credited {$1800.00} in 10 days from your account '' I have no idea how I could have made these withdrawal when I was XXXX and I gave no one permission to do so either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89434
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A