Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to formally dispute the inaccurate balance reporting on my credit report by Wells Fargo. The account in question should have a XXXX balance, yet Wells Fargo is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : Wells Fargo is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both Wells Fargo and all credit reporting agencies to correct this mistake in a timely manner. I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with Wells Fargo : The Wells Fago account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. Your immediate attention to this matter is crucial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I was involved in a wire fraud scam. The scammers called me off of the Wells Fargo customer service number and changed the caller ID to appear as though they were the bank. The scammer told me that someone illegally wired a large amount of money out of my account this ended up being a lie but they ultimately tricked me into unknowingly granting them access to my account in which {$13000.00} was sent to their bank account, under the guise that I was inputting their names, as Wells Fargo agents, and this amount of money to cancel out the fake request and return the stolen amount back into my account. Obviously, that was a ruse, but it was too late. I quickly notified Wells Fargo within XXXX minutes of the final transaction. Upon speaking to a real Wells Fargo banker, I was told that I would receive a resolution within a MAXIMUM of XXXX business days ( XX/XX/XXXX ). Since then, I have called Wells Fargo almost every single business day, and until today, the XXXX business day, I had received no concrete update aside from that they have requested XXXX recalls from XXXX XXXX, the bank the money was apparently sent to. I was told multiple times that there was no resolution up until XX/XX/XXXX, and suddenly, on the morning of XX/XX/XXXX, despite having called Wells Fargo the day before, I receive a letter in the mail stating I will not receive my money back. They did not tell me this the day before, nor did they imply I would not receive this money. This is not a trivial matter nor a trivial amount of money ; this is money I had saved up and relied on as I just moved XXXX miles across the XXXX to a new city. At this point, I am relying on their response and resolution to survive. To make matters worse, I was also implicitly told by a Wells Fargo banker and in the letter that was sent to me on the XXXX that I willingly did this to myself, so, therefore, I am responsible, and this is my fault. I would argue that that is not true, as willingness is contingent upon both parties consenting based on unwavering truth. Since the scammers were clearly lying, I did not WILLINGLY give my money and account information to them. Because this scam rested upon the fact that Wells Fargos customer service number is easily spoofed, this seems to be a problem the bank needs to be responsible for, as Im sure they know because they have insurance to cover scams like this. I was never contacted by the real Wells Fargo during the scamming or before these transfers were made ; nothing was done to try and prevent this scam. Nothing has been done since, and apparently, scammers can still easily spoof the Wells Fargo phone #, which seems to be an issue the bank needs to resolve, as this is the ONLY number present on the back of each debit card. In the end, the bank possesses the necessary means to assist me, and it is imperative that I see the return of this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: 1 ) Wells Fargo bank keep denying my claims of {$30000.00} over 6mo. without any research and consultation with me. Bank stopped sending me paper statements since XXXX and each mo. every time when I go to deposit at the bank tellers and officers all said call customer service. They said my account is online and paper so nothing they can do. I had been treated so badly past years XXXX, XXXX and XXXX. WF said no record of my claims but this is not true. 2 ) XXXX XXXX who cashed asked me to tell WF bank to submit complain to XXXX XXXX by SP branch manager and legal dept at XXXX XXXX. Nothing they can do without WF bank starts to negotiate with them. I requested this many times to XXXX in the past. 3 ) FBI L.A. branch manager and XXXX XXXX XXXX managers from 2 branch, XXXX XXXX XXXX legal dept all told me WF bank should give me credit $ XXXX within 10 days of claim and balance within 40days. Not rejecting customer with 30days clause of deposit agreement. I had never received this agreement. I was told to sign only a machine and never got copy and I didn't see any information attached to when I opened new account.These bank definately will reimburse to my case after they researched.They told me this fraud to be reimbursed by different law and customers are protected since XXXX. 4 ) I recently received a copy of signature card/sheet and surprised some info is outdated and I will check before I signed it if I was shown. This is very bad practice. 5 ) WF bank opened new account without my signatures and info at all on XX/XX/XXXX. They requested and demanded a mo later with all my personal info. ( Drivers license #, social security full number, my mothers maiden name and address with my account #. ) so as my son 's info. This was shocked. 6 ) Even I walked in the branch, no one will help me without an appoint except tellers. Even I am inside of the office the tellers and manager told me to call for an appt. 7 ) Knowledge of employees at the branch and claims dept, executive offices all of them are not so knowledgeable and everyone answered different. Very low level at all dept.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received a Wells Fargo statement for an account I never opened. Received by mail on XX/XX/2023. Statement shows beginning balance on XX/XX/2023 for {$190.00}. Ending balance on XX/XX/2023 of {$180.00} after a {$10.00} fee was charged for balance below {$500.00}, per Wells Fargo checking policy. Account has been flagged for fraud per my request. I think I may be a victim of synthetic identity fraud, as some of the information listed on the account did not match my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26101
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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 applied for a Wells Fargo XXXX XXXX XXXX XXXX online on XX/XX/XXXX. didnt receive the card but I did receive a message from the bank regarding cards activity on XX/XX/XXXX. The purchases were made on XX/XX/XXXX but I received the message from the bank on XX/XX/XXXX. I called the bank on XX/XX/XXXX to verify a fraud and to block the card. On XX/XX/XXXX all transactions had PENDING STATUS so when I called, bank was able to decline all pending transactions but the claim was created instead. The bank representative allowed those pending transactions be processed after the cardholder called and verified it was fraud! Instead of blocking those transactions while it was possible, bank representative created a claim and all of the fraud transactions were transferred to my replacement card in amount of {$960.00} from XXXX and {$110.00} from XXXX. Bank representative told me my claim was declined because bank system shows the card was activated on XX/XX/XXXX from my cell phone. I didnt called to the bank on XX/XX/XXXX and I provided my call phone printed activity from XX/XX/XXXX to XX/XX/XXXX to the bank proving I never called to the bank on XX/XX/XXXX. Bank ignored my evidence and still requesting me to pay for fraud transactions. I also filled out police report and provided it to the bank as well but bank ignored it as well! By ignoring all of the evidence from customer side as well as the ignoring of the police investigation process show that Wells Fargo bank ignores Civil Rights of its customers and it also helping frauds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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 was using a lawyer named XXXX XXXX XXXX who was not responding to my phone calls, and texts. He also did not show up to court. I complained to the Judge XXXX XXXX of XXXX New Jersey who agreed that the lawyer had abandoned the case and allowed me to fire the lawyer and seek council ... I paid him {$2000.00} of which I used my Wells Fargo debit card to pay him {$1000.00} of the {$2000.00} ... After he was fired I demanded that he return my money in full and he ignored me... I subsequently made a credit dispute with Wells Fargo on the amount of {$1000.00} and they rejected the dispute. I asked Wells Fargo what kind of investigation they did and what evidence that the lawyer provided that refuted my claim and they told me that the Wells Fargo policy was not to release any information on the investigation. This is a farce... Wells Fargo has since removed the details of the dispute from my account and will not give me access to my old statements trying to make it disappear. I have subsequently found out that Wells Fargo did not even reach out to XXXX XXXX XXXX and will not answer my questions of what type of evidence they had to make the decision ... I want to see their file on how they made their decision because it is obvious that Wells Fargo did not do an investigation and arbitrarily without any reason rejected my dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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 have a charge in XX/XX/30 in a XXXX store for XXXX for a service that service that I found out that it was free after contacting the store. I dispute the charge with the credit card for a few reasons : -The service provide was free ( sim card for my second phone number ) according with the company after i called and confirm with them -It was provided a receipt at the store for what was being charged in my card. ( After the dispute they provide not for me, but to the bank the receipt -the store didnt tell before that that was a charge for the service. -After the dispute with the bank, the store is saying that they set up the phone with the number. They did not set up my phone. The only provided my the sim card. The bank refused to reopen the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I opened a line of credit through Wells to purchase a mattress through XXXX XXXX See XXXX XXXX Per the agreement and as indicated on XXXX. I, payments were to be made in XXXX equal payments of {$97.00}. I made my first payment of {$98.00} on XX/XX/XXXX, and My Second Payment of {$98.00} on XX/XX/XXXX, See XXXX XXXX On or about XX/XX/XXXX, I received a notification saying I was late on my payment despite having paid it on XX/XX/XXXX. Subsequent to that payment I made my payment for XXXX in the amount of {$110.00} on XX/XX/XXXX XXXX XXXX. XXXX XXXX called Wells on XX/XX/XXXX and spoke to a representative at XXXX XXXX central time. After going back and forth with Wells and informing them my bank records indicated payments were made on time, they said that they saw the payments in question in their system, but that they received the payments too soon and that the payments were not applied/didnt count for that month. I was told they would adjust my previous payment ( XXXX ) to reflect they were indeed made XXXX XXXX. XXXX XXXX late fee of {$29.00} was refunded for XX/XX/XXXX. On XX/XX/XXXX, I again made a payment to Wells in the amount of {$100.00}. On XX/XX/XXXX, I received a Notice attached hereto as XXXX. XXXX, indicating I was late making my XXXX payment. That same day I spoke with a representative who would only give me the name XXXX, at XXXX XXXX XXXX XXXX I went over my bills with XXXX and she again checked her records. She indicated again that my payment was received too early. I informed her my payments were timely and per the agreement they were 24 monthly payments ( give or take ) depending on the minimum I pay. She agreed with me that it did not seem right that Wells was flagging me but that thats how they operate. On XX/XX/XXXX, I received my monthly statement from Wells and noticed that despite paying my XX/XX/XXXX payment on XX/XX/XXXX, and speaking with XXXX to again fix Wells oversight, I was charged a late fee of {$29.00} on XX/XX/XXXX See XXXX XXXX Subsequent to my XX/XX/XXXX payment I made a payment for XXXX on XX/XX/XXXX, in the amount of {$100.00} See XXXX XXXX Since this account was opened on XX/XX/XXXX. A payment at or above the agreed upon minimum monthly payment has been made to Wells in a timely manner. For these reasons, I am filling a formal complaint against Wells for unfair and deceptive lending practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: # XXXX Request : Where's the Money?
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: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Police Report # XXXX. XXXX XXXX. USPS case # XXXX. Wells Fargo case # XXXX. An individual I was buying land from on his own LLC sole proprietor company died. XXXX Bill pays come back because he died somebody cashed XXXX out in the middle and the XXXX more come back unpaid and the bank refuses to do any kind of fraud help because I can't prove somebody died.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A