Date Received: 2023-08-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I leased my car XX/XX/XXXX from XXXX and Wells Fargo manages the lease. I put {$15000.00} down for the lease on XX/XX/XXXX. The payments were to be {$190.00}. I also made my XXXX payment in XXXX. I kept making the payments so I was 1 month ahead. In XX/XX/XXXX they billed me for 2 months saying I was behind. They started applying a {$9.00} fee that month. I called multiple times and was told it was an error. It kept being there even though I kept paying it. I have a record of paying 24 of these fees but they were never credited. I called multiple times because then it kept showing I was behind at this point. I was told to ignore it and it would work itself out. When it didnt one lady when I called in said she would credit my account for the fees and that would make my next payment current. It never did. I kept calling and started being transferred and would be on hold for hours and no one would answe even though it kept saying I was next in line. XXXX told me to email my complaints so I did with no response. They then added a {$600.00} repossession fee in XXXX of XXXX. I emailed again and was not responded to. I am current on my payments, but the fees still show on my account and the repossession fee they assessed me. They repossessed my car today because of these fees even though I had made all my payments, and never responded to my emails, nor answer my calls. I asked them to fix this numerous times so I could extend my lease as keep my car another year sense the payment is so low.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64086
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a text from wells fargo asking if i had made a charge to XXXX respond YES, NO, STOP to opt out. the normal text. i responded no because i hadnt made any purchases recently. I then was called by XXXX ( i doinke checked that it was the same # on the back of my card ) and told XXXX had tried to been wired out of my account. it was all very confusing, and id never wired money before or had this happen before. the man asked me if i knew XXXX something, the alleged person who made the wire. i said no and he told me he was going to help me undo the wire. he then proceeded to take me through transferring XXXX out of my account into his or someone elses. never XXXX wired money before i still thought this was super weird so i stopped him and told him it wasnt right- he assured me he was real wells fargo and to check the # on my debit card and that the money would come back but the bank had to see it from me first? long story short he wasnt wells fargo and i loat XXXX which is almost my entire life savings. im XXXX and chronically ill- just wrapped up my XXXX XXXX in 10 years and use all my momey for medical bills. i will not survive without this money back and my bank is made minimal effort to retrieve it and said there was nothign they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Wells Fargo... I had an account with {$5100.00}. I didn't need the account so I went to the banl, got a cashier check, and told them to close the account. They told me I would have to come back to the bank again. I mailed them my last statement, told them I wothdrew all my money, and to CLOSE the account ... in writing. Later I get a call from someone saying they can't close the account. They want me to come back to the bank again. I told them again... I withdrew all the money ... close the account... for the third time. Today I get a statement with the account still open, and a {$10.00} charge for a " monthly service fee ''. Apparently Wells Fargo doesn't want to close the account so they can try to bill me a {$10.00} charge every month. This is ridiculous. I know Wells Fargo made news doing something funny with accounts in the past, signing up people unknown and got a big fine. Now they just don't let you close your account. I only wrote one check per year to keep the account active, and account that I had no use for. Wells Fargo should not be in the banking business. Tell them to close my account and cresdit any false charges due to their not closing the account. Fine them. They act like criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I first had a checking account with Wells Fargo in XXXX and it was closed and other accounts were opened up in my name without my consent. In XXXX I opened an account with them and it was closed with in a month without any explanation. I was finally able to open up a clear access checking account in XXXX and haven't had any issues with them they were my main bank account and I was told because I submitted too many claims that my accounts are being closed. Which I asked them why am I being punished for opening up claims when the claims were for packages that were supposed to be delivered to my house and I didn't receive the packeges. I told them I have went and asked the community manager if I she has received any package and they say no. I will call the companies and they would say well you need to get in contact with the carrier and when I do they say it was delivered and sometimes they are delivered to the wrong address and I have asked around but nobody has seen any of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ( XX/XX/XXXX ) I was investigating my savings account where I noticed a interest rate deposit of {$3.00}. I became curious of my banks interest rate so I went to their website under XXXX ( Wells Fargo ) and saw the rate of .15 %. My savings account balance was {$25000.00}. When I ran the math myself, .15 % of XXXX was roughly {$41.00}. I called at XXXX PM to speak to XXXX, a service rep. who confirmed the company 's Interest rate for savings accounts was .15 % but when I compared the two, I asked why there was such a large difference. She sent me to a website called " TheCalculatorsite.com '' to help do the math. She followed up by transferring me to XXXX in the Escalation department who confirmed exactly what she had told me. When i proceeded to ask again, he refused to explain any further then that, so I asked to speak to " someone who CAN explain this to me '' and he told me " No '' and stated it would be an " annoying '' process that would get me nowhere, he could submit a complaint for me and I would get a call in 2 business days. I immediately dug into my savings account statements for the past 4 months from when I initially deposited the XXXX. Each months interest rate was XX/XX/XXXX {$0.00}, XX/XX/XXXX {$3.00}, XX/XX/XXXX {$3.00}, XX/XX/XXXX $ XX/XX/XXXX, over those months, the rate was coming up as .012 % which was calculated by the website provided. ( XX/XX/XXXX ) After hearing nothing for 6 days, I reached back out at XXXX AM and spoke to a representative who, once again, confirmed the company 's interest rate for the savings account. We looked at the statement for XX/XX/XXXX where I received {$3.00} IR. I asked him " XXXX is .15 % of XXXX? '' Once he did the math, he attempted to transfer me to another rep who stated " we are investigating the problem now '' and hung up on me. I was on the phone roughly XXXX minutes I called back immediately where I spoke to the representative XXXX, who transferred me to a customer service representative named XXXX who transferred me, again, to XXXX in the complaints department who, again, transferred me to XXXX who was handling my case. Her responses were cold and short and incorrectly explained my concerns, rudely asking " what were you expecting? XXXX dollars a week? a day? because that's not how that works ... '' So when I started I confirmed what XXXX other agents have stated to me on a recorded line, along with what was posted on the company website. She quickly followed up with " I have XXXX XXXX business days from the time I accept this case to give you an answer. I have other cases I am working on, you are NOT the only one i'm working on '' she then stone walled every question I had, stated she would call me XX/XX/XXXX and our conversation ended. Another XXXX minute phone call. All these calls where on a recorded line as stated at the start of each call plus each time i was transferred The following attachments are XXXX bank statement ( cleared of all personal information ) XXXX seperate clips from TheCalculatorSite.com XXXX : XXXX XXXX .009 % IR reflected on my bank statement ( withholding my {$100.00} deposit that month ) XXXX : Wells Fargo .15 % IR XXXX : The Interest rate compound calculated from XXXX with a clear projected balance to compare to the bank statement Lastly, the published .15 % IR on Wells Fargo XXXX XXXX site under /Savings-cds/rates/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We recently changed insurance companies. Our old company, XXXX, charged us {$11000.00} for insurance for the year XXXX. Before the policy renew was due in XXXX, we got new insurance thru XXXX for {$2600.00} a year. The mortgage company, Wells Fargo, had already paid the {$11000.00} to XXXX from escrow account and {$2600.00} to XXXX. XXXX sent a refund of the {$11000.00} back to Wells Fargo, but the money was not refunded to us. They are saying we should only get {$100.00} refund. Where is the {$11000.00}? Not showing up in escrow or mortgage accounts!!! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am experiencing a dispute with a merchant XXXX XXXX. Earlier in the year, I settled a debt with this merchant through another non Wells Fargo account. Once the debt was settled, I contacted Wells Fargo to request that it stop any future attempts by the same merchant to debit from my business account ending XXXX. I received verbal and written confirmation from Wells Fargo on XX/XX/2023 that the stop payment had been applied to my business account ending XXXX. In an email notice, Wells Fargo indicated it would block any future debit attempts by the merchant. According to a written stop payment notice I received, Wells Fargo promised that future debits will be automatically returned as stop payment, regardless of the dollar amount or payee information I had XXXX XXXX on XX/XX/2023 and was unable to complete my normal daily check of the current balance in my business account ending XXXX. When I checked my business account ending XXXX on XXXX XXXX, 2023 I discovered that XXXX XXXX had debited {$20000.00} from my account. I reported the debit to Wells Fargo claims the same morning I discovered the funds were missing. I was notified by Wells Fargo on XX/XX/2023 that my claim to have the ach debit reversed had been denied.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I experienced a highly unprofessional handling of my home mortgage process with Wells Fargo. The initial promise that my mortgage was ready to be signed following XXXX XXXXXXXX XXXX XXXX leave turned out to be misleading. Subsequently, my case was handed over to XXXX XXXX and XXXX XXXX, who exhibited minimal communication throughout the process. Even after successfully passing the co-op interview, the process of scheduling the closing hit a roadblock due to Wells Fargo 's failure to respond to my lawyer 's emails. Only after persistent follow-ups on my part did I manage to extract any updates. Regrettably, the lack of communication extended to critical details, such as their investigation into the building and its potential impact on my loan. It wasn't until XX/XX/2023, that I was finally informed about this crucial matter. With my lease expiring on XX/XX/2023, I found myself without a home due to the inability to promptly seek an alternative lender for the closing. Adding to this ordeal, XXXX XXXX recommended I obtain a mortgage from her associate after my initial loan attempt fell through, seemingly motivated by a referral commission. In conclusion, the manner in which my mortgage application was handled by Wells Fargo was marked by unprofessionalism, inadequate communication, and a lack of transparency, which has led to substantial inconvenience and financial burden on my end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: My previous employer used my personal Wells Fargo credit card without my authorization and have disappeared and no longer communicating with me and turned out to be a fraudulent company ( I did not give them my credit card information ). My fraudulent employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization/permission and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my fraudulent employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them. I have filed a police report but Wells Fargo is still holding me responsible for the debt even after explaining to them that this was done without my authorization or me ever given permission to transfer money from my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I realized my account ( debit card ) was compromised and unauthorized transaction were being made. I was at XXXX XXXX XXXX checking out my card declined. I checked my account and realized unauthorized transaction appeared from XXXX XXXX tx XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I immediately went to Wells Fargo to inform them that my debit card has unauthorized purchases. And these transaction continued while sitting in front of the banker. We filed a claim and twice they denied my claim stating I authorized these transaction and because of that they wont rerun my stolen money. Filed a police report with the XXXX XXXX XXXX police department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A