Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We opened a new Wells Fargo Visa card to handle all charges related to rebuilding our home following a total loss due to fire. We pay the balance due before we receive a statement because the credit limit is small compared to charges incurred during construction. We made a $ XXXX payment on XXXX. Today ( XX/XX/XXXX ) we ordered lumber and the charge was declined. After a call to Wells Fargo, we found out that the {$19000.00}. payment was on hold and would not be posted until XX/XX/XXXX. That's fraud as far as I'm concerned ... .if not theft. Our lumber was not delivered and our workers left the job.I spoke to three different departments at Wells Fargo and none could tell me why the payment was on hold. They have good funds from our bank and will NOT post the payment until XX/XX/XXXX. As I understand, there is a time limit on this anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
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: Trouble during payment process
Subissue:
Consumer Complaint: We financed our mortgage through XXXX XXXX and had our homeowners insurance through XXXX ( the policy was brokered and serviced through XXXX ). Our mortgage was sold from XXXX XXXX to Wells Fargo sometime last year. Evidently in the process of acquiring our mortgage Wells Fargo was not able to set up payment to our insurance company through our Escrow ( which is how we had it set up with XXXX XXXX ). We received notice in XXXX of XXXX that our policy was going to be cancelled due to non payment on XX/XX/XXXX. We contacted both XXXX and Wells Fargo XX/XX/XXXX. We advised XXXX that Wells Fargo had purchased our mortgage and gave them our mortgage information, we advised Wells Fargo who our insurance company was and gave them our policy information. We were told by both companies that there was nothing further that we needed to do and we also received a declarations page showing the renewed policy on XX/XX/XXXX. The effective dates of this policy were XXXX XXXX XXXX We received notice from Wells Fargo early this XXXX that our homeowners was set to expire XX/XX/XXXX and they were not able to confirm it was set for renewal. We contacted XXXX and they advised that the policy was cancelled XX/XX/XXXX. This was just 3 days after we contacted them to make sure it was set up correctly. They advised it was cancelled due to non-payment. Evidently Wells Fargo sent out payment for the full year on XX/XX/XXXX and XXXX received it on XX/XX/XXXX. XXXX said since they did not receive it by XXXX they took payment for the 2 months or so that we were covered, refunded the rest to us and left the policy as cancelled. We were not notified at this point as they thought the cancelation they sent out prior was sufficient. They said they sent us a refund of the difference to our home. We did not see the check. Perhaps we never received it or we just did not notice it when it came in the mail. We also never saw a cancellation notice. We are not denying that they sent it ; we may have not noticed it when we received it. This check was never cashed because we did not know we received it. Now Wells Fargo is trying to get us to pay for almost a year of replacement insurance because of the " lapse in coverage '' and XXXX will not even offer us a policy because of the same reason. We have asked both companies for an internal review and both have said they handled the situation correctly and will offer us no indemnity. I contacted an attorney to see how to remedy the situation and they advised me to put in complaints to the XXXX Attorney General. The Attorney General advised us to contact ConsumerFinance.gov. We currently own 3 homes and we have never missed a homeowners insurance payment on any of our other properties. This situation was simply completely screwed up by both Wells Fargo and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14424
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: Deposits and withdrawals
Consumer Complaint: I have deposited XXXX in Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and when I tried to withdraw this money in the same bank in XXXX XXXX on XXXX, I was informed by the branch manager of XXXX XXXX, that this deposit couldnt be located in Wells fargo. Firstly the manager asked me to check with claimit.ca.gov if this money has been took by state government as unclaimed property, and I checked and there was nothing found. And then I also tried to call the XXXX XXXX XXXX XXXX where I made the deposit, the lady received my call and she also said she could not find my deposit because I dont have the account card. I told her that I am very sure I havent got any card when I opened new account. And she told me the original banker who received me to open the account is not anymore working in the bank so she could not help me. Then I tried to write e-mail of complaint to federalreserveconsumerhelp.gov, and I was replied to go to CFPB for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: Fraud or scam
Subissue:
Consumer Complaint: These events occurred between XXXX XXXX XX/XX/XXXX. In desperate need of an apartment for college, I fell into a scammer who posted his place on XXXX He reached out to me via email on XX/XX/XXXX and then we later transitioned to talking through messages. Everything went well until I visited his place on XX/XX/XXXX to find out that it was occupied by other tenants. I sent a total of {$1300.00} to the people who were apparently working for him. {$200.00} plus an additional {$300.00} went to this XXXX user who is now unenrolled from the app, XXXX on XX/XX/XXXX as the scammer promised to send out the keys so my mom and I can view it but later cancelled it and further having {$800.00} sent to this user with the number, XXXX on XX/XX/XXXX because he said that {$1300.00} is what would be needed to guarantee arrival for the keys. The scammer who I was initially talking to posed himself as XXXX XXXX and even provided a picture of his ID. I have issued a claim to my bank, Wells Fargo, on XX/XX/XXXX but was denied due to it being an authorized transaction. If I had known this was the result, I would not have fallen for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93215
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 using a debit or ATM card
Consumer Complaint: There are accounts opened up under my middle name I seen for XXXX which I asked them about. When I opened my account XXXX as XXXX. I received funds to my account and {$2600.00} was took out my account and also they closed off my account which I had no access too. I also sent everything in but instead they just shut me out even going to the branch. After a few weeks went by they closed my account without returning my money to the account. I was sent a mediation form by them and filed it out and never got anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My identity was stolen and money was pulled off several of my credit cards. Wells Fargo finally refunded all the money back on my card but they reported me as 30 days late and that still has not been removed from my credit report. I cancelled my card out of disgust with them but they need to correct my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
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: 2023-08-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Wells Fargo has created a unauthorized account using my information and admitted to doing so but wont come up with a remedy for their deceptive and fraudulent practice. They claim they would send me to mediation but never got back to me. Also they know I have only 2 years left before the statue of limitations comes into effect for this problem. Ive reached out 3 different ways and have it all documented and receipts. An I also have proof for what they have done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Wells Fargo, who told me to contact the credit bureau when i told them the information reported is incorrect. This account was paid in full 2021 XXXX. I paid this account in full while i was in XXXX XXXX in the military. I paid over {$500.00} then my mom later told me she had a letter with them attempting to settle for {$220.00}, when i already paid in full.
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: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I found there are three fraudulent credit card accounts on my credit report from XXXX. I called XXXX, and they have frozen my credit score and disputed the collections amounts. XXXX fraudulent credit cards from XXXX bank. XXXX collection amount is {$5700.00}, and another collection amount is {$15000.00}. The credit report shows that these two accounts were opened in XX/XX/XXXX. They are all fraud accounts, I have never opened a credit card at XXXX Bank, and I do not recognize these two credit card accounts from XXXX Bank. XXXX fraud credit card from wells fargo bank. The collection amount is {$2500.00}, this account showed was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I have never opened any credit card at that time only had the account opened for 5 months. Its a fraud account, I do not recognize this credit card account. My social security number must get stolen from the letters I put in my recycle and my identity was stolen to use an open credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94112
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: 2023-08-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Several attempts to resolve the issue have failed, the dispute department are being unfair about the amount involved, I paid it under duress to prevent more late fee 's. The original issue is ongoing since XXXX, XXXX. Wells Fargo charged me {$100.00} after the same amount was already paid to my cell phone service XXXX XXXX, using the same Wells Fargo credit card. The amount I eventually paid was reduced from {$100.00} to {$100.00}, pay date was XX/XX/XXXX. Wells Fargo case specialist, XXXX XXXX. Wells Fargo case ID : XXXX, informed me that Wells Fargo paid {$100.00} to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX could not find the transaction and required a Transaction number, several attempts and several case IDs and case specialists later, with Wells Fargo, I still do not have any transaction number to verify the payment was made to XXXX XXXX. I still was required to pay {$100.00} on XX/XX/XXXX. Wells Fargo owes me {$100.00}, they most likely do not have a transaction number because the transaction never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A