Date Received: 2023-08-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX I reached out to Wells Fargo regarding charges that were showing on my bank account from XXXX XXXX XXXX. I did speak with XXXX first and was directed to contact my bank as they were not able to see the charges from my account. I explained to wells that my card had been previously missing I just did not assume it was lost. I advised them of a charge for XXXX with a XXXX XXXX XXXX, {$170.00} through XXXX & another for XXXX. After submitting the dispute wells took the money back on XX/XX/XXXX. On XX/XX/XXXX I spoke with the disputes department in which I brought on a rep from XXXX named XXXX in which she confirmed the last XXXX of my XXXX account and confirmed with Wells that the payments were not on my account. After a few more calls I was advised to reach out to the other vendor on XXXXregarding the {$600.00} charge and was spoken to rudely by her stating " she did not charge me directly just charged a card that was given to her and she did not look at the details. '' I followed up with well Fargo and was advised to fax the documents over to the, docs were faxed on XX/XX/XXXX and when I reached out on XX/XX/XXXX the claims rep was very rude asking if I had spoken with the wells rep and the XXXX rep why is it that no one reopened my claim. she wouldn't allow me to speak as if she was too busy to talk with me. I asked if they received my fax and she told me they did but that the claim was denied once more because XXXX stated that they were my charges on my account. I have faxed Wells Fargo my billing statements from XXXX and everything that I have from the XXXX rep and still no assistance. This has placed me in a financial bind one that I should not have to go through. I have also reached out to XXXX multiple times without any resolve as I keep being instructed to contact Wells Fargo. I also tried to file a dispute through XXXX as instructed by Wells in which I am being advices by XXXX that wells has to file the dispute and they never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX hard inquiries that I have no knowledge of XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ). XX/XX/XXXX XXXX XXXX ( XXXX ). XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX XXXX XXXX ). XX/XX/XXXX, XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXXl ( Bank XXXX XX/XX/XXXX XXXX Hard inquiries that I have no knowledge of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27012
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX is inaccurately including information on my credit report falsely claiming that I have a Wells Fargo account that has late or missed payments and hurting my credit. This account was never late or past due. No payments were ever missed. My spouse was forced to file XXXX XXXX bankruptcy. She actually chose XXXX even though she could qualify for XXXX so I would not be affected. I did not for, just her. Wells Fargo unilaterally charged off this account that was current and up to date. I am under an order of protection and no derogatory marks should be allowed on my credit, nor other attempts to collect, due to my wife 's independent filing. XXXX correctly marked the account as closed and nothing else. XXXX initially included the derogatory comments, but upon dispute correctly removed them and now the account just shows as closed. XXXX has refused to fix their error, and in fact made it MORE derogatory after initial dispute. Any mention of late or missed payments is a LIE and is defamatory. The account should not be presented with derogatory marks on my credit due to my spouse 's bankruptcy. XXXX needs to be forced to do the right thing, since they refuse to do it on their own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65301
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Wells Fargos letter dated XX/XX/XXXX by mail stated they would provide a response by XX/XX/XXXX to my complaint XXXX XXXX. They had addressed their letter to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, see attached. Wells Fargos letter dated XX/XX/XXXX as posted electronically on the CFPB website as an answer stated we noticed your name did not match the name on the account youre inquiring about and we dont have a legal name change document on file. As Wells Fargo knows in my previous correspondence via mail, I had stated XXXX XXXX formerly XXXX for Loan number # XXXX. See attached document displaying case details as per XXXX Supreme Court showing the case for the foreclosure was filed against XXXX XXXX and representation prose XXXX XXXX. I am resubmitting my former complaint for Wells Fargo to address. As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. Files attached : Report pages XXXX, Credentials See report page XXXX of XXXX payments XX/XX/XXXX to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX, I recieved XXXX deposits into my wells fargo checking account ( XX/XX/XXXX for {$5800.00} and XXXX for {$13000.00} ). I was unfamiliar with the deposit origin ( XXXX XXXX ) via XXXX XXXX XXXX. Immediately after, I contacted Wells Fargo and asked for additional details to see if this deposit was legitimate. According to the Wells Fargo company representative, the funds originated from a former employer ( XXXX XXXX ). After learning that the deposit originated from a former employer, I did not believe the deposit to be illegitimate but nevertheless, I wanted to ensure these deposits were not spent just in case this deposit was received on error. Wells Fargo did not inquire me about the deposits. Yesterday on XX/XX/XXXX, I was informed by Wells Fargo via email that all of my funds ( totaling over {$22000.00} were frozen completely ; I am unable to receive direct deposits, pay bills, mortgage and remove and of my money ). Furthermore, I was informed that all my accounts will be closed effective XX/XX/XXXX. Immediately, I contacted Wells Fargo at approximately XXXX on XXXX. After numerous transfers, I got ahold by a manager that went by the name XXXX. I asked her to resolve this issue immediately. She informed me that there was unauthorized deposits ( deposits from XXXX XXXX ) in my accounts and that they ( Fraud Prevention Department ) decided to, without any objective evidence or investigation, and most importantly, without notice decided to go this path. I explained to her that I contacted Wells Fargo about this issue but contested that I should I done more to raise the concern. I explained to her I've never been in this situation before. I even suggested kust reversing the transactions to resolve the problem but she declined. The conversation went south and she began to threaten me that she would not make an effort to resolve this error. After, I went to a local branch and tried to get accounts activated to no avail. The branch teller filed an executive complaint on my behalf. This was the only help I received. This all happened while I was on vacation with my family which I spent little time with them because I had to address this life altering hardship caused by my bank which I have been a customer for since XXXX. My wife and I had a XXXX breakdown and are suffering from the arbitrary actions Wells Fargo took ; they were not in our best interest. I booked a Hawaii vacation with my family of XXXX ( which I am the sole provider for ) a year ago in which we are supposed to leave in XXXX days and now my kids are crushed that we nay have to CANCEL OUR FIRST EVER FAMILY TRIP TO HAWAII because we have no funds available because Wells Fargo is withholding my funds. This XXXX subjective action someone took has completely turned our lives upside down. We just want to wake up from this nightmare. We are suffering emotionally, mentally and physically from this event. We are being victimized by Wells Fargo and I have researched that this bank has been systematically closing customer accounts that are victims of fraud in an attempt to cut costs investigating ( which is exactly what is currently happening to my family and I ). Now, my credit score is going to be impacted because I have to use my credit cards to live and have my credit run ( against my wishes ) to open up another account somewhere else. Please, help me Per the email : Dear XXXX XXXX XXXX : Wells Fargo performs ongoing reviews of its account relationships in connection with the Banks responsibilities to manage risks in its banking operations. We recently reviewed your account this issue, as a result of this review, we will be closing your above referenced accounts because of XXXX or more money transfers to your account reported as unauthorized. The accounts are expected to close by XX/XX/XXXX. Please note that the Bank reserves the right to close the accounts sooner if circumstances arise that warrant an earlier closing. Be aware that some circumstances may delay the closure of your accounts. To learn more, refer below to " What may delay account closure? '' Please review the following important information to help you prepare for this transition. What this means for the accounts listed above as of the date of this letter : Deposits will continue to be processed until your account is closed. If you have recurring deposits ( for example, your paycheck or pension ), please redirect the deposits to a non-Wells Fargo account. Withdrawals and payments have been blocked. You may no longer access these accounts with your debit card. No new transactions will be authorized. However, we must pay certain transactions that are received for processing before your account is closed, even if this creates a negative balance in your account. This includes the payment of any previously authorized transactions ( for example, debit card purchases ), but no overdraft fees will be assessed if you do not have sufficient funds in your account. We must also process the reversal of any previously credited deposits that are returned unpaid and may assess a returned deposited item fee. Recurring payments you previously established will be declined and checks will be returned unpaid. While we will not assess an insufficient funds fee on these transactions, the merchant you attempted to pay may assess returned payment fees. Contact these merchants as soon as possible to make other payment arrangements. Any recurring or automatic bill payments set up from our accounts will need to be canceled or changed to a non-Wells Fargo account. You may continue to receive standard Wells Fargo communications or notices regarding your accounts, which may refer to services or features that are no longer applicable to or available on your accounts. Such communications and notices should not be understood as impacting our decision to close your accounts. While overdraft and insufficient funds fees will be waived following the date of this letter, other fees may continue to be assessed in accordance with your Account Agreement. What may delay account closure? Account closure may be delayed beyond the date listed above. The most common reasons include : your account has a negative balance, has pending transactions, or is subject to a legal order hold. Once the issue preventing closure is resolved, we will proceed with account closure and send you a final statement. What happens to the balance in your accounts when the account is closed? If the account balance is positive at closure, we will mail a cashiers check payable to you for all money due to you. We are here to help : If you have questions, please call us at XXXX, Monday through Friday, XXXXXXXX XXXX. to XXXXXXXX XXXX., or Saturday, XXXXXXXX XXXX. to XXXXXXXX XXXX. XXXX XXXX. Sincerely, Fraud Prevention Contact Center
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98671
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: Managing an account
Subissue: Banking errors
Consumer Complaint: While using Wells Fargo 's mobile application. I had successfully deposited four checks into my business checking account. However, when I deposited the fifth check for XXXX dollars, Wells only added XXXX dollars to my account. It is hard to have faith in a bank that is effectively stealing from your business. This comes shortly after I was left unable to pay my credit card at the beginning of the month due to Well 's failure to allow access to those funds. Millions of people, including myself, were forced to come up with an immediate solution on no notice. I was fortunately able to do so, avoiding the massive interest that I would have otherwise have incurred. For those who were not as fortunate, I would like to ask on their behalf, who is going to foot the bill?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Way to many over draft fees and than I'd get the same overdraft fee over and over
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX XXXX as seen in Exhibit D, I received a check from XXXXXXXX XXXX XXXX XXXX XXXX, XXXX redeeming all of my remaining shares in my account with them in the amount of {$4300.00}. On XX/XX/XXXX XXXX I went into Wells Fargo Financial Institution located on XXXX XXXX in XXXX, Ga to cash this check as seen in Exhibit E. Then on XX/XX/ as seen in Exhibit F, approximately five days after the check was cashed, I began receiving alerts from my Wells Fargo account reflecting negative activity and falsely alleging the check that I cashed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited into my account and returned as a bad check. On XX/XX/ XXXX XXXX I contacted Wells Fargo to inquire about the recent negative notifications received and was advised by a customer service representative on a recorded line that the check was either bad, or the company that issued the check had placed a stop on the check, and I need to contact the issuer of the check for details, but because Wells Fargo could not draft its funds in the value of the check, they deemed me liable and caused me damages by withdrawing the {$4300.00} from my checking account. The Wells Fargo representative also advised that I would receive a copy of the dishonest check in the mail which I received on XX/XX/ as seen in Exhibit G. On XX/XX/ Wells Fargo customer service representative confirmed that the check which I cashed was processed at closing on XX/XX/ and cleared on XX/XX/. Now knowing this information, I asked how XXXX XXXX XXXX XXXX XXXX, XXXX was able to place a stop on a check that processed at closing the day it was cashed, cleared 24 hours after processing, and that Wells Fargo authorized payment for five days before the stop was requested. To that, the representative could not provide an answer. On XX/XX/, I contacted Wells Fargo to inquire about why the check I cashed on XX/XX/ was falsely reflected within my account records shown as the check was deposited into my account without my authorization and returned as unpaid on XX/XX/ as seen in Exhibit F, the representative could not provide an answer. Wells Fargos unauthorized activity of falsely reporting on my account, and allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX to issue a stop payment five days after payment on this instrument was authorized is dishonor and Wells Fargo is liable for the damages it caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I disputed two transactions on my Wells Fargo Business Checking account on XX/XX/XXXX totaling {$2900.00} to two separate merchants, both a XXXX XXXX and XXXX store. I did not make or authorize these transactions and have no knowledge of how these transactions came to be. I did lose or misplace my debit card, and I reported it to Wells Fargo immediately. Wells Fargo issued a credit to the account which I was gracious for because we run a small business and every dollar does matter. On XX/XX/XXXX the claim was reversed. I was not provided any additional information, no option to further dispute or escalate, and no recourse from the bank. I contacted Wells Fargo on the XXXX of XX/XX/XXXX ( which happens to also be my birthday ), and spent two hours on the phone being transferred from department to department, but no one was able to provide me with further information, no one was able to further escalate my claim, and no one was able to help me to determine next steps. Unfortunately, this {$3000.00} is enough to put XXXX XXXX XXXX XXXX XXXX I have a XXXX to pay, and I can not do it without being able to deposit payroll funds into my account. This amount is more than my entire payroll. It is disheartening and frustrating that Wells Fargo, such a large insititution which claims to care about it's customers but I am being offered no assistance and no one is able to help me to resolve this very important matter. We XXXX XXXX XXXX do not have the financial cushion some other larger businesses may have, and I am sure to a company that processes billions of payments this is just one amount for one customer but it is everything to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The name on this mortgage is XXXX XXXX XXXX. XXXX, XXXX XXXX sent a registered security ( tracking # XXXX ) on XX/XX/XXXX to CEO XXXX XXXX XXXX with instructionals to credit the account with the interest/dividend that was on the remittance coupon, also provided documention ( certified copy ) from the secretary of state showing that there are no liens under name and to provide a lien release documentation from company showing that. Received a call from a XXXX XXXX on XX/XX/XXXX and mail on XX/XX/XXXX indicating that the loan was valid and that the documentation from the secretary of state showing no liens was not valid nor was it notarized.But the secretary of state is the highest notary and the document that I sent was straight from them in addition to him saying my form of payment was invalid and that it has to be U.S dollars but right on Wells fargo website it shows the form of payments that can be used to pay. On XX/XX/XXXX I mailed the full payoff balance with the coupon ( tracking # XXXX ), power of attorney, federal reserve act section 16 ( Notes issues ) and section 29 ( Civil Money Penalty ) with instructional ( opportunity to cure ) to CFO XXXX XXXX XXXX instructing to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete. I then got a response via phone on XX/XX/XXXX and mail on XX/XX/XXXX from XXXX XXXX and executive office case specialist indicating to call back but i requested a response from the CFO in writing not a case specialist.At this time the account has still yet to be credited. Then i mailed a notice of default on XX/XX/XXXX ( tracking # XXXX ) with the same instructionals to CFO XXXX XXXX XXXX to apply principal 's balance to the principal 's account and requested a response in writing within XXXX business days for non-performance of fiduciary duties or respond back in writing when instructions are complete, with federal reserve act 16,29 and another full endorsed payoff bill. I then received another call on XX/XX/XXXX from XXXX XXXX with no remedy. This is a violation of securities and a breach of contract.i have reached out to the Office of the Comptroller of the Currency but they refered me to the CFPB. They are committing fraud by not letting me use the interest that they gained from securitizing the note for the mortgage and acting in bad faith by not even responding to the crediting of the account and only responding to what they want to respond to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A