Date Received: 2023-08-18
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: Dear CFPB, Wells Fargo has yet to address my previous complaints. There is an instance where a transaction, which is marked as " changed back '' on the merchant interface, has not been credited to my account. Furthermore, three other cases remain unresolved, despite my numerous attempts to contact them. If Wells Fargo persists in claiming that I did not provide information, I am left with no choice but to play the recorded conversations so they can see whose fault it is. This bank, much like XXXX XXXX XXXX, is in a state of bankruptcy due to utter mismanagement, treating customers as if they were fools. I am once again requesting supervision over these four dispute cases. I will continue to complain until this matter is resolved! 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: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I got a notification from Wells Fargo about an attempted wire transfer and a new wire transfer recipient on my cell phone and I got a call from a Wells Fargo employee asking if I was attempting to make a wire transfer for {$25000.00}. I absolutely was not making these transactions. I was on the phone will Wells Fargo for approximately 45 minutes, during that time the sent me several verification text messages from the same text number they have previously sent me verification codes. I was left on hold for a prolonged time so I hung up and went to my local branch to make a deposit and report & discuss my recent phone call regarding this unauthorized wire transfer. I was told by the Wells Fargo employee that if I did not have an appointment, no one was available to assist me and they gave me a XXXX phone number to call. I once again contacted Wells Fargo and was told someone posing as me made a wire transfer. I informed them that was not the case and I was not making any Transactions. They told me they would stop the transfer immediately and freeze my accounts. That was 7 days ago. The day after I went to my local branch, I returned to the same branch and spoke to the branch manager about all of this. He made several calls and assured me they would resolve this. I called in to Wells Fargo today to follow up as I have got no updates from them at all and was informed my " claim '' was denied and I would NOT receive my money back that they sent to someone without my knowledge or consent. I feel like Wellsfargo or one of its employees has stolen this sum of {$25000.00} from me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85204
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: My name is XXXX XXXX. I was scammed by an illegal destination known under the name of XXXX. It's a XXXX currency platform. On XX/XX/XXXX, I started with a company from a lady I met on the internet. She guided me through the entire process from the beginning. when downloading the XXXX platform from the XXXX XXXX. My first deposit was {$500.00} through XXXX on XX/XX/XXXX. The second deposit was on XX/XX/XXXX for XXXX. The third deposit was on XX/XX/XXXX for XXXX. The fourth deposit was on XX/XX/XXXX for XXXX. On XX/XX/XXXX and XX/XX/XXXX for XXXX, on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and on XX/XX/XXXX for XXXX, which gives a total of XXXX. The first XXXX was my initial deposit to start investing.At the first trade I profit around XXXX but this lady sugest me to whitrdraw all the founds and then deposit again when the next nodo was good to invest again. But when I try to whitrdraw it's rejected because According to customer service, I have to pay taxes for this amount. the next XXXX were to pay 30 % taxes because I tried to withdraw XXXX dollars. Next time I try to whitrdraw some founds it's rejected again because the customer service said my account was on risk of theft. So to fix the problem I was have to deposit other XXXX The next XXXX I deposited were to pay because, according to them, my account was at risk of theft. In The end, I tried to withdraw XXXX dollars. The lady who helps me put up the remaining XXXX to complete the XXXX the platform required to release the attempted robbery. When we finally deposited all the money, according to them, the system failed because the deposits came from different sources and they asked us to do it again and re-deposit another XXXX to solve the problem. So, the person I met on the internet did first deposit XXXX on XXXX, then deposit XXXX on XX/XX/XXXX, then deposit XXXX on XX/XX/XXXX, and another XXXX on XX/XX/XXXX. But when depositing the last XXXX, the platform changed the address to deposit and it failed again. And now they require us to re-deposit another XXXX for the third time. Which is a complete fraud, since they changed the address on purpose so as not to free my account from the initial problem one thing all the money I deposited on this platform. I made via wire transfer from my Wells Fargo bank to XXXX XXXX bank and then convert to usdt theter to send to the platform.. So for this on XXXX I hired a company dedicated to recover founds for scammer. I have all the investigation they was made where my money going. I reported on the police station. But the police told me they can't do anything because here on XXXX XXXX don't have a department speciality for XXXX currency. So I made a complaint on the ic3.gov for the FBI. But they don't unswer me yet. I was sent two letters to the Wells Fargo Bank to refund my money. Because they never alert me for some scammers. But they refuse to refund my money. So my only chance is here whit you. XXXX wait for the answer to the FBI to send the report to the exchanges where my money going. Because they required the low enforcement. I hope you can help me. I have 6 months trying to solve the problem. And now Im really bad economically. The number of the police report is XXXX XXXX on the XXXX XXXX XXXX department. Thank you for your service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Took a card out interest free for 2 years wellsfargo is the bank they charged XXXX percent interest. This was XXXX XXXX XXXX that had the interest free XXXX XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: Rebuttal to response from Wells Fargo XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear The Consumer Financial Protection Bureau : I am not satisfied with the false response that Wells Fargo sent out to you and to my home. They did not address any of my issues with my mortgage the discrimination and retaliation against me because I got behind in my mortgage during the pandemic as well as the misleading information for different agents in that bank that was not very kind to me as a XXXX homeowner. I am very much aware of the practices that Wells Fargo have done in the past as far as how they harm XXXX and XXXX communities through engaging in XXXX lending practices against over XXXX XXXX and XXXX borrowers. I did not open my mortgage with Wells Fargo my mortgage was sold to them, however I am still in the same category and being mistreated by their XXXX practices. In addition, Wells Fargo has consistently shown that it has no reservations about targeting its XXXX patrons with predatory schemes. Their XXXX practices against XXXX homebuyers have failed to shift, prompting the city government of XXXX XXXX XXXX to divest from opening any new accounts with Wells Fargo in XX/XX/XXXX. I am also aware that A lawsuit was filed on XX/XX/XXXX, in a XXXX XXXX federal court, argues that Wells Fargos practices push XXXX homeowners into foreclosure, which XXXX referred to as a modern form of redlining. XXXX published an article only a week earlier detailing how Wells Fargo, the largest bank mortgage lender in the country, accepted less than half of XXXX mortgage refinancing applicants in XXXX. XXXX percent of XXXX refinancing applicants were approved, compared to just XXXX percent of XXXX applicants, per XXXX analysis. Wells Fargo offered minimum to help me when I was hospitalized for 4 months during the pandemic in XXXX and prior years, when I had to go through bankruptcy and marriage issues hardship in XXXX due to loss of income, instead of working with me they filed foreclosure proceed against me without any compassion or consideration. However, the Judge in XXXX did not honor the foreclosure and asked them to work with me to get current and not to retaliate, but I have been going down with them every sense. Since Wells Fargo is known for their XXXX actions against XXXX homeowners I am not surprised about my treatment and all I want to do is save my home. Another perfect example where I am being exploited and adding to my grief is they are still sending correspondence to my home with my XXXX ex-husband name on it and when I asked them to remove it, they say he is still on the loan how? when he is XXXX, they are just totally disrespectful cold-hearted people and continues to send me letters with his name on it. Another example of the XXXX, intimidation and retaliation tactics conducted by Wells Fargo as they have recently sent a XXXX male to my home numerous times who refuses to identify himself, only stated Wells Fargo sent him when I asked. These gentlemen proceed to come on my property with force and after I tell them to not come in my backyard or around my house to snoop and take pictures, they would state that they were instructed to by Wells Fargo, and no one was going to stop him. With XXXX, NY experiencing high crime, break-ins, and murders, this is not acceptable for a strange XXXX man to come into my yard which is a safety issue for me as well but more so as a scare tactic. My neighbors have witnessed this same behavior and have called me at work to let me know they were in my yard. When I called Wells Fargo to tell them to stop sending them, they would laugh, and the problem just continued to occur until this day. Given all their wrongdoings, the only option is for Wells Fargo to use their XXXX XXXX XXXX to make restitution to all the XXXX people they exploited to become the financial powerhouse they are, and all the XXXX lives they continue to profit off of to maintain their standing. There are incredible organizers applying pressure for Wells Fargo to resolve their past grievances and others who work on helping the average consumer find alternative banking methods. But while Wells Fargo paying reparations will help mitigate some of the harm done, the systems that allowed these actions to unfold must also change. However, I dont want to continue to be XXXX by this bank and have been reaching out for help, but not being heard and I am not sure why because I have rights like anyone else when it comes to Wells Fargo and how my mortgage is being handled. I want my mortgage handled better by Wells Fargo and offer me the same workout options they offer my XXXX counterparts and stop the XXXX practices to force me into foreclosure and to not continue to offer me an unrealistic payment plans instead of a Modification or Partial Claim and stop saying they have to check with their investors its all XXXX. What I am looking for is the following : I want all the XXXX payments I made on their ( unrealistic payment plan ) since XX/XX/XXXX before they kicked me off, to be applied correctly to the current balance Im behind in and stop saying it is being applied to other months that are not part of this plan and have been already paid. I want to be offered a modification or whatever they have that can put the amount I owe in the back of my loan until so I can get a fresh start, instead of these unrealistic payment plans they are offering me knowing I only have one income and can not afford it. ( I already sent them the hardship form ) I want to go back to paying my original mortgage payment of XXXX a month and for them to stop hiking my payments up at will where I can not afford to pay. I want them to stop sending strange XXXX men every other month to my home or on my property taking pictures, they can take it from the street or dont come at all my house is not abandoned there is no need for them to send people here. I also want them to stop generating letters from a file they say was sent to me, because I never received any such letters and stop using them as a coverup for their wrongdoing towards me to make them look as if they are compliance to my needs. And stop generating payment history statements that is different from what I am sent in the mail to make it look as if I am behind in my more then what I am. I want to see if I quality for the Congress established Civil Penalty Fund due to mistreatment and handling of my mortgage. I want a response from someone, and I can not afford an attorney at this point to assist me in the legal fight against this Bank, but I know there is someone out there that will respond to me to help. Sincerely, XXXX XXXX. XXXX CC : Attorney General Office, HUD XXXX XXXX The US Department of Housing and Urban Development ( HUD ) The Consumer Financial Protection Bureau XXXX XXXX, Principal Deputy Assistant Secretary for Fair Housing and Equal Opportunity XXXX XXXX - Assistant Secretary for the Office of Housing and the Federal Housing ( FHA ) Commissioner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14606
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Upon reviewing our bank accounts with Wells Fargo, we realized that there was a debit to our joint account for {$7400.00}. Upon further investigation, we saw a fraudulent check written to a fake name and cashed at a check-cashing shop on XX/XX/XXXX. This account, in particular, has never had checks assigned to it, and this was the first check drafted from the account over the entire XXXX history. We immediately called the customer support number upon discovery ( XX/XX/XXXX ) and were reassured that the funds would be replaced within ten days ( this was stated on a recorded line ) and proceeded through the process of changing bank account numbers and new debit cards. We did everything the Wells Fargo website said to do when a fraudulent item was discovered. Imagine our surprise a month later to find out that not only had the money not been reimbursed, but because more than 30 days had lapsed from the closing bank statement, they were not obliged to return any of it. We have always believed in the banking system and have never had any issues with fraud in over 50 combined years with Wells Fargo. I am opening this claim in the hopes that the CFPB can assist us in getting our stolen funds returned to our account. The fact that any bank can get away with this has shaken both of our beliefs in the entire banking system. Wells Fargo 's 24/7 Security Protection that they flaunt on their website did not notify me of a suspicious transaction, nor did it protect me when they allowed somebody to access funds from our account without our permission. Credit cards have no statute of limitations regarding fraud ; why are banks held to much lower standards? Fraud is fraud. I never gave anybody access to my account. I never fell prey to a phishing scam. I went to work like most of us, thinking my funds were being protected, only to discover that the reality is that our funds are not protected from one of the oldest and easiest forms of banking fraud : fake checks. For the past 10 months, every employee we have spoken to has agreed that we should be reimbursed ( These calls were recorded ). From branch managers who helped us submit our initial dispute claims to the XXXX dispute department reps, yet despite police reports and everything else that was requested, Wells Fargo spent less than a day to reply with the same answer " More than 30 days have passed from the statement so there is nothing we can do at this time. '' I am hoping that my attached documents find themselves in the hands of somebody who can step up and help make this right. We have exhausted all means of recourse with Wells Fargo and hope that the CFPB can ensure that we are treated fair and just. Thank you for your time, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wella Fargo has a breech in their security and a glitch in their system and they would not admit to it. A fraudulent activity happened to my account online that resulted for a new debit card issued in FL under my name. I reside in XXXX. I have been calling and reporting to Wells Fargo. XXXX XXXX I and my family were in XXXX and a the fraudsters from FL used a debit card under my name charging {$610.00}. I disputed the transaction, but Wells Fargo denied it. I asked them proof to prove that it was me in FL, they said it is not the bank duty to prove it. Wells Fargo will not give me my {$610.00} back despite their own security fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo was charging me and taking money from my account and when I called or went to the brand they wouldn't provide me with any information about why they were taking my money and charging me XXXX charges which my account was always in the negatives when I deposited every check and received direct deposit then Wells Fargo closed my account with a charged off negative balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit on the day of XX/XX/2023 for an amount of XXXX. This was a bill of $ XXXX bundled together with a XXXX label ( as is customary from the bank ). The ATM machine was not able to register the {$5000.00} and can only register {$3500.00} at the confirmation prompt, to which I promptly realized was an error and requested for the ATM machine to cancel the transaction. At this juncture, the ATM machine retured exactly {$3500.00} but the rest of the money from the initial bundle ( {$1500.00} ) was not returned. I filed a dispute claim with Wells Fargo ( claim number : XXXX ) but Wells Fargo informed me last week ( XXXX XXXX XXXX I can find the letter if need be ) that the claim was denied. I tried to contact Wells Fargo to explain that I have evidence they might be interested in ( since I took pictures of the serial numbers for the XXXX dollar bills ) but it was a dead end as their 'investigation ' that took 2 months did not show any extra money being deposited into the account from my transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to the Fair credit reporting act. This creditor Well Fargo XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A