Date Received: 2023-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$300.00} for the puppy. Later on they asked for {$50.00} to help with gas to meet me halfway. Another {$150.00} for half of the vet bill and another {$100.00} for the delivery service. I was only able to come up with {$65.00} of the delivery fee. When I said it was too much and I wanted the money back they refused and said it had been used already. I never received any documentation of the usages. The delivery company emailed me and stated they needed another {$500.00} for insurance, I didnt send anything. I asked for a phone number to reach the company and when answered the person didnt even know what name to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88030
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint is against Wells Fargo. I notified Wells Fargo through Credit Disputes being filed against them, for fraudulent Credit Inquiries placed on my XXXX Credit Report by Wells Fargo. Proper Paper Work was filled out and turned in months ago, due to these fraudulent Credit Inquiries being placed on my Credit Report through Identity Theft -- - in which Wells Fargo is well aware of. Wells Fargo still has not removed the following Credit Inquiries from my Credit Report by notifying XXXX. Paperwork on my part has been completed for months. I am asking Wells Fargo ONCE AGAIN to notify XXXX to immediately remove the following fraudulent Credit Inquiries from my XXXX Credit Report. The identity thief or thieves have controlled my Wells Fargo accounts since the 1st week in XX/XX/XXXX, and basically continue to do so. And I am asking Wells Fargo within my FCRA rights -- to mail me the complete Credit File on each Transaction / Credit Attempt which resulted in ( 4 ) remaining Fraudulent Credit Inquiries on my XXXX Credit Report. Fraudulent Wells Fargo Credit Inquiries to be removed from my XXXX Credit Report. -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XXXX XXXX XXXX -- Wells Fargo -- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 Wells Fargo failed to help resolve an unauthorized transfer of funds of {$470.00} for an airplane ticket from XXXX to the United States.. I had an investigation placed and they bank failed to refund my funds due to claims that it didnt look like any suspicious activity on my account. AFTER I informed them by law Im refined from any airline travel. I was put in a tough position that cause me to late on rent because I didnt have access to my funds!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a business checking and savings account, and regular accounts at Wells Fargo ; all of the accounts are connected. My checking account is XXXX years old and I opened the business accounts XXXX years ago. I was told that my accounts were protected and insured from fraud and scams because they are all connected. In XXXX, and XXXX of 2023, I was scammed out of thousands of dollars in transactions made from my debit card connected to my regular checking account. I contacted the bank to report a fraud charge I saw on the account and they shut down the card, sent a new debit card, and suggested I contact the money apps support used and the " XXXX XXXX XXXX XXXX '' and talk to security where the phone operator worked to report that he was incorrectly managing transactions and the money apps suggested this, too. The " XXXX XXXX XXXX '' person was also scammer and quickly funneled {$10000.00} out of my business savings account and into my other accounts, then stole the money by sending it into XXXX, XXXX, and XXXX. I called the Wells Fargo fraud line within XXXX hours to report the theft. Wells Fargo stopped payment and refunded two transactions that amounted to XXXX in my business checking account. The fraud transaction charges in the regular checking account were incorectly reported and the amounts were " consolidated '' into one amount of {$16000.00}. Then Wells Fargo stated that the charges were " Authorized '' but forced shut down on all of the accounts because of extreme " fraud '' activity. I spoke to an Escalation Fraud Representative who made a big fuss over locking the XXXX token which is ridiculous because they were forcing the accounts closed. I explained that the XXXX XXXX transfers weren't theft because the money had been sent into the account and then back out. It was the XXXX app transactions that were fraudulent. All of the XXXX transactions were added into the consolidation amount, but they weren't all fraud. Then another fraud representative who told me the accounts were closing suggested I call the fraudulent " XXXX XXXX XXXX XXXX '' AGAIN, and ask for the money back! This is what led to the {$10000.00} theft in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have a a Wells Fargo account and they was allowing consumers to take money out my account knowing it wasnt enough money in my account so that they can charge over draft fees after XXXX hrs when they say 3 days to add money to the account but they only allow the auto pay to go through if a I have change in my account if there was a XXXX balance they dont take out anything!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overdraft fees were charged to my account without my knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After checking my credit report I found an account listed from Wells Fargo Dillards # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
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: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Friday XX/XX/XXXX someone on social media offered to send me XXXX weekly and i would send XXXX to another person via another banking app, they sent me an email of a check and i did mobile deposit, at the time only a certain amount went into my account so they told me to just send that. Everything seemed fine and then a couple days later we did it again but right after i completed the mobile deposit my friend brought up the idea that it could somehow be a scam and i didnt think it would be because i was receiving money but i didnt send anything and called my bank ( wells fargo XXXX to try and cancel it from going all the way through and explaining how it could be a scam. The lady told me it was fine and i could just cancel it once it goes through, that was not the case whatsoever, wells fargo closed my accound and left me with an overdraft fee of {$400.00} which i ended up going in person to the bank and trying to fix all of this but they made me pay the {$400.00} And now i cant open a checking account with other banks and i just turned XXXX i need a checking account and to have good credit how do i dispute this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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: Wells Fargo account is on credit the address is in California I am in Pennsylvania. I have never opened or used this account. My social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a mortgage loan with Wells Fargo since XX/XX/XXXX without any missed payments. My XXXX is currently at 56 %. I reached out to Wells Fargo regarding eliminating my Escrow Account. Well Fargo has refused citing a mandatory requirement that they can not by law remove an escrow account. They further stated that I must maintain an Escrow Account with Wells Fargo for the life of the loan according to the XXXX. I understand that the XXXX can require an escrow account to stay open, but Wells Fargo is not saying that they want the escrow account to remain open. Wells Fargo is stating that they are REQUIRED that I maintain an Escrow account because it is a XXXX XXXX, and the XXXX says that I have to have one. I have a saved chat transcript, and a word dictation of the conversations with Well Fargo representatives saying that they I am REQUIRED for the life of the loan to maintain an Escrow Account with them. Her is what The VA specifically says on the subject of XXXX XXXXXXXX : Lenders Handbook - XXXX XXXXXXXX XXXX Chapter 9 Legal Instruments, Liens, Escrows, and Related Issues Specifically Page 25 states the following 12. Escrow for Taxes and Insurance 9-25 Change Date XX/XX/XXXX This chapter has been revised in its entirety. a. Requirements XXXX does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. It is the lenders responsibility to ensure that property taxes and hazard insurance premiums are paid timely. A lender who chooses to escrow for taxes and insurance must comply with applicable laws, including the Real Estate Settlement Procedures Act ( RESPA ). The reason why I want to cancel the Escrow account is that Wells Fargo has committed fraudulent activities on this Escrow Account. I received a letter for my local tax office indicating that they credited 2 cents per one hundred dollars of assessed property value as a credit toward my XX/XX/XXXX property tax payment. Wells Fargo failed to apply that credit to my XX/XX/XXXX property tax resulting in an over payment for XX/XX/XXXX. Although small, this amounted to {$88.00}. I received a escrow statement from Wells Fargo on XX/XX/XXXX which made no mention of the {$88.00} reduced payment or credit in my Escrow Account. I made two call to Wells Fargo who indicated they they have not record of a reduced tax payment from the local real estate tax office. By Wells Fargo saying that they are required to maintain an Escrow Account is false according to Lenders Handbook - XXXX XXXXXXXX XXXX which I cited above, and it appears that Wells Fargo is conducting predatory lending practice against veterans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A