Date Received: 2023-08-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This is in follow-up to complaint XXXX submitted on XX/XX/XXXX. Wells Fargo is claiming I can not close my mothers Wells Fargo savings account and withdraw the funds because it is a joint account with two other people on the account. The two people are my siblings. On XX/XX/XXXX at XXXX XXXX. those same two siblings and I met at the Wells Fargo branch closest to my sister 's house to close my mothers checking and savings accounts. We were able to close the checking account on that visit, but the staff told my siblings that the savings account was not a joint account, so they could not close it. This is the same savings account Wells Fargo is now claiming is a joint account ( with those same two siblings ). Staff made a copy of her death certificate to send to the appropriate department for notification of death. In XX/XX/XXXX the court appointed me to manage my mothers estate. After that, I attempted to use my court appointment letter to close my mothers Wells Fargo savings account and withdraw the funds. After initially being ignored, Wells Fargo now claims the account is a joint account, so I can not close it or obtain the funds. So either Wells Fargo should have allowed my siblings to withdraw the funds and close the account in XX/XX/XXXX or else the joint account paperwork recently produced by Wells Fargo is fraudulent. Wells Fargo should explain why my siblings were prevented from closing the savings account under the rationale that only my mother 's name was on the account. Questions for Wells Fargo : If my siblings go again to Wells Fargo to withdraw funds, will they have ANY problems? It is difficult to obtain an appointment at the bank convenient to us, so I will have my siblings leave a letter indicating their wish to close the account. The letter will include their names and addresses, a reference to my mothers name and address, the account number, and their request to close the account. Will that be sufficient information? Please do not refer me to any Wells Fargo forms we will draft our own letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I used my XXXX account to send my son {$500.00} from my Wells Fargo account to his XXXX XXXX XXXX account. My son nor his bank received the funds. on my Wells Fargo account it listed my son named twice and I was told it went to my son at another phone number. That is not possible because I only used my son phone number and his bank verified that money was never received by him. Wells Fargo showed 2 accounts with my son name yet different phone number but now its only showing one name and phone number. I think this needs to be investigated further and my {$500.00} put back in my account. No one responded to me to see who actually received the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid settlement XX/XX/XXXX they then tried charging me the rest without my knowledge XX/XX/XXXX after I made settlement and lying that i wanted to pay in full and I keep getting harassed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93212
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Wells fargo bank and XXXX have both cut my credit limit even though I have been with them for years. This adversely affects my credit score. I have not been more then 30 days late on either account. They have used that has a reason as well as not using card enough. This has just happened within the last month. XXXX is a business account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: : CFPBTo I made a previous complaint case # XXXX against Wells Fargo for extra-legal business practices. We currently have litigation in the Federal Courts. Case # XXXX. At this time Wells Fargo has not been able to provide any documentation to back up claims to the effect that I asked for any changes to the original loan dated XX/XX/XXXX loan number ending with XXXX. They claim that the changes made were made for a refinance dated XXXX the new loan # XXXX. They then transfererred service of said loan to XXXX XXXX XXXX as of XX/XX/XXXX. After they had opened an estate case against XXXX XXXX estate in XXXX XXXX. Again Im not a party to said loan nor did I agree to any such changes to the original loan which, has been paid in full at this time. Im currently seeking for this governmental agency to step in and make both companies named not only change their illegal business practices, but also ; provide me with at the very least compensation for my legal fees. This entire situation has been one of constant frustration for the last several years. I have done everything asked of me in a timely manner and still havent had any solution to the situation. Please advise me as to what can be done to provide me with some way of this entire situation being finished. I feel that both companies have preyed upon the fact that they can and do have endless means to hire as many attorneys as they choose in an attempt to simply slow down the legal process and in hopes that me being the little guy will either give up or simply fail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i have had issues with particularly Wells Fargo Bank because they closed my bank without me knowing the reason they did that was because there was too many claims on the account and it was closed permanently and i had to get a new account with a different bank. They financially hurt me really bad by having to look for a bank and handle finding a bank was very difficult finally i found a bank and now all my money is in that bank right now i just have one bank. Wells fargo handled my account unprofessionally and i just was upset how money was being missing and overfdraft fees were added on multiple times so i got that situated finally but that made my account neggative so im hoping to get compensated for all this turmoil wells fargo has caused me. Now that the case is closed in the federal court we can handle this professionally. Im hopoing to get atleast {$10000.00} or about that or around that in compensation for the frustration that Wells Fargo caused me and my business with them. I am XXXX and this was not handled properly. Just wanted to let you know there is a fair shake claim still active some one needs to respond to that case number is XXXX just wanted to let you know whoever can respond to that would be greatly appreciated thanks or you can respond here it be better if you did both and respond here and the fairshake claim XXXX XXXX in escalations was handling the case earlier but stated it was in the federal court now its not its been closed since XX/XX/23 i just want some one to compensate me for all this trouble that wells fargo has caused so either way you gon na have to respond to to the fairshake claim with the cfpb thanks
Company Response:
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear Wells Fargo, I am writing to request a refund for an unauthorized XXXX transaction on my Wells Fargo account. I discovered a transfer of a total of {$3800.00} from my account to an unfamiliar recipient. I immediately reported the incident to Wells Fargo, providing all relevant information regarding the transaction. Wells Fargo is required to investigate all reports of unauthorized transactions. However, I am disappointed that the bank has declined to issue a refund, citing federal law as the reason. I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The EFTA and Regulation E state that a bank is liable for unauthorized electronic fund transfers if it fails to implement reasonable security procedures to protect its customers ' accounts. In my case, Wells Fargo 's own investigation revealed suspicious activity on the Client 's online banking account, with logins recorded from locations such as Texas, XXXX XXXX, and even XXXX. These findings strongly indicate unauthorized access and fraudulent activity. As a responsible account holder, the Client have always taken necessary precautions to protect my account information. I have never shared my account number or password with anyone, and I use a strong password that the client change regularly. The client also use two-factor authentication whenever possible. Given the circumstances of my case, The client believe that Wells Fargo is obligated to issue a refund for the unauthorized XXXX transaction on my account. I respectfully request that you reconsider your decision and promptly initiate the refund process. In the previous letter, the client was asked to provide new evidence regarding the claim, I have attached all the evidence regarding the claim, including the police report. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84601
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I purchased a new vehicle in XXXX of this year. My auto loan is through Wells Fargo. When I tried to sign up for online access to my auto loan, I kept getting an error message and it said to contact Wells Fargo. When I contacted Wells Fargo the agent told me that there was already a checking account with my maiden name open and my XXXX was off by a day, but there was no money in the account. I explained to the agent that I haven't had a checking account until XXXX of this year. He in turn opened an identity theft case and an online fraud case at Wells Fargo. I contacted the local police department, and they told me to get more information from Wells Fargo in order for them to investigate. I called back every XXXX days for a while and was told that I had to go to XXXX, WI, which is about a half hour from where I live to provide them with a copy of my ssn card, driver 's license, and it had to be in person in order to be able to create an online account. They also told me that the checking account was closed and that their identity theft team noted that it was a fraudulent account. Long story short, I have tried since XXXX to get information for our local police department, but every time I call, I get shuffled from one department to another. I have a half dozen or more case numbers from Wells Fargo because each time I called they issued me a different case number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53511
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2023, I wrote a check for XXXX dollars to a Wells Fargo customer for a completed work project. The check was paid by my bank the next day, XX/XX/XXXX, Monday. Wells Fargo put a hold on the check stating that my signature was incorrect and suggesting to their customer that I cancel the check and reissue it. The hold was for XXXX days ( until XX/XX/XXXX ). For the next ten days, the reps at Wells continued to tell their customer that my signature was wrong and that was the reason for the hold. Each time their customer came back to me asking me to re-write the check, I had to tell him that the check was paid and Wells had my money. This resulted in confusion as the Wells customer wanted to believe what his bank was telling him. When he showed the reps at Wells a copy of the canceled check, they took a belligerent tone with him. I've complained to the XXXX, FDIC, and NC DOJ. The latter two agencies referred my complaint to the Comptroller in XXXX. All agencies with the exception of the XXXX claimed confidentially issues barred them from addressing my complaint. My concern is that non-English speakers ( and possibly others ) are being targeted with excessive check-holding practices, citing false reasons. My understanding is that every bank has a right to hold checks for any number of reasons. My problem is that Wells used me to lie to its customer. If they are doing this to others it is causing a headache for many. The payoff is that they earn pennies to the dollar in interest on every cashed and held check. The reps at Wells Fargo will cite confidentiality reasons when they view my complaint. And that is understood. But so far, I'm led to believe the bank will continue this bad practice unless they are held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On Saturday morning ( around XXXX ) XX/XX/2023, my phone and wallet were stolen. Despite following the basic procedures such as putting my iphone on lost mode and calling my banks to cancel all my cards, the thief hacked my phone and somehow learned my passcode number allowing them to access any login info my phone passcode was associated with. Login info such as my online Wells Fargo account. Once they accessed my Wells Fargo account, the thief adds his XXXX phone number to my contacts sending himself whatever money I had left in my checkings account which was about {$1200.00}. That wasnt enough so they went to my wells fargo credit card account and advanced {$6700.00} from my credit card to my checking account and sent the money to the NEW XXXX account in fragments. First it was {$5000.00}, then {$1000.00}, and then {$700.00}. The cash advance fees amounted to {$330.00}. The thief also purchased XXXX with the stolen credit card. Despite the charges taking place within minutes and the XXXX number never existing in my contacts, Wells Fargo did not automatically put a freeze on the account. In fact, whats strange is that Wells Fargo puts a daily limit in how much money you can send through XXXX if the contact is new. Usually the limit you can send to one newly confirmed contact is around {$1000.00} or {$500.00}. YET. SOMEHOW that limit did not exist in this case and one Wells Fargo employee ( over the phone ) told me that the thief mustve broke through that limit somehow. So, I was told that I would be taken care of and would not be responsible for the charges. Today, XX/XX/XXXX, I was notified that my claim was denied because my account login was safely authorized when the transactions occurred. Despite reminding Wells Fargo that the thief stole my iphone and managed to hack it, allowing them to access any passwords associated with my XXXX keychain. They refused to reopen the claim. I was told I needed more evidence despite the police report I filed in the same moment, the fraudulent credit/debit card charges, the painfully obvious money transfers that should not have occurred, the new XXXX contact that was added after my phone was stolen, my other bank fraudulent charges, XXXX reporting my phone stolen and so forth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A