Date Received: 2023-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Good evening, Wells Fargo keeps denying my rights to arbitration under section 6 of my credit card agreement. I have requested arbitration to contest the results of two disputes : # XXXX & # XXXX many times but keep getting told I can not do so, despite it being in my credit Card agreement. I even have audio recordings of phone calls to Wells Fargo customer service, which show them denying my request ( attached ). Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
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: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I was on vacation about two years ago and Wells Fargo stole money from my account on several occasions. The money was there one day and the next it's just gone. It doesn't show what happened to the money it was just gone. It came out to about {$200.00}. So I changed my bank for the first time in twenty years because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I recieved a Wells Fargo credit card that I did not apply for. I had a Wells Fargo banking account many years ago, so they already had my information. I only had a debit card when I had a WF account ... ... they now sent me a credit card. I did not apply for it. I am getting statements from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
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: Information belongs to someone else
Consumer Complaint: The disputed item was initially disputed on XX/XX/23 and denied. I spent months working with Wells Fargo to investigate this hard inquiry, as I knew it was not mine. I have never had or applied for any Wells Fargo account. Eventually, Wells Fargo determined the hard inquiry that is on my report was due to a fraudulent credit application that used my information. After that investigation, Wells Fargo issued me 2 letters, dated XX/XX/23 and XX/XX/23, respectively. The first letter stated that Wells Fargo is sending the update to the credit bureaus to remove the hard inquiry and that should take 4-6 weeks. The second letter specified that an investigation determined the application was fraudulent and reiterated that updated information to remove the hard inquiry from my report was being sent to the credit bureaus and it may take 60 days to complete. When I pulled my XXXX credit report on XX/XX/23 and still saw the hard inquiry from Wells Fargo, almost 8 weeks after the 1st letter was sent, I filed a dispute to have this hard inquiry removed again, this time armed with the letters that Wells Fargo provided to me. I spent 1.5 hours with Wells Fargo attempting to verify whether XXXX reached out to them to verify the accuracy as they state in the dispute denial. I was transferred 5 times and no one could even determine who handles disputes. The last person I spoke to, I'm not sure what position or dept she was in because she mumbled so much, but she kept reiterating that the letter says it could take up to 60 days. Yes, one letter indicated it could take up to 60 days and the other letter, also from Wells Fargo, indicated it could take 4-6 weeks. I disputed this information almost 8 weeks after the letter indicating 4-6 weeks and 55 days after the letter that indicated up to 60 days. I said I needed to know explicitly if XXXX contacted Wells Fargo to verify this information in the less than 24 hours the dispute was open because if they did dispute it and Wells Fargo denied the accuracy of my dispute simply based on the fact a full 60 days had not yet passed, even though they themselves deemed it fraudulent activity to be removed, then Wells Fargo is not abiding by the FCRA. However, if XXXX is stating they reached out to Wells Fargo and did not and decided to close the dispute without investigation, then THEY are not abiding by the FCRA. Whether Wells Fargo was refusing to provide me with this information or simply could not, I do not know, so since I can not tell which company did not abide by the law under the FCRA and the duty to fully investigate all claims and remove all inaccurate information upon notification by the consumer that it is inaccurate, then I have to file complaints against both and let the agencies sort this out. Either way, SOMEONE did not do their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
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: Fraud or scam
Subissue:
Consumer Complaint: As I've been in the process of attempting to use my personal bank to get my funds back this has been over a year since the incident. A police report was recommended for me to file by my bank but seeing how it's been a year there is no point. On XX/XX/XXXX I was attempting to buy a car off of XXXX for my brother the XXXX site was a fraud site that we unfortunately did not catch as a fake fraudulent site after communicating with this individual we came to an agreement of XXXX for an amount to buy the car. After I sent the money through a wire transfer through Wells Fargo a few days later I received a call on XX/XX/XXXX, from an agent with the fraud department from XXXX XXXX XXXX luckily the account that I tried to transfer money to was already being flagged for suspicion of fraud so the day that I sent the money, this agent froze the account in order for the scammer not to be able to take the funds out of the account. The agent then instructed me to go through my financial institution ( Wells Fargo ) and request a Hold Harmless Agreement, so XXXX XXXX XXXX can then release the funds for the recall. I did as instructed and I called Wells Fargo, I explained my situation and was assured that they will attempt to do a wire recall as the agents did not know what a Hold Harmless Agreement was. Unfortunately all Wells Fargo did was asked for the ask for the wire recall and wait a few days before reattempting until they reattempted XXXX times within XXXX weeks and they shut down my case and gave up. I was not allowed to try to change the status and told by Wells Fargo to ask XXXX XXXXXXXX XXXX for help although I'm not their customer I was also told by Wells Fargo that maybe I should try to get in contact with the scammer to see if I can get the money back. This lack of support forced me to wait and stay in contact with XXXX XXXX XXXX Thankfully during this period the XXXX XXXX XXXX agent who helped me continued to stay in contact with me to give me details and information on the XXXX XXXX XXXX side of things this agent along with others. It was verified with these reps that the full amount of XXXX was still in the account and XXXX XXXX XXXXXXXX was delinquent 120 days and processing the whole harmless agreement but on XX/XX/XXXX I got confirmation from XXXX XXXX XXXX by using the case number XXXX ( or XXXX ) that they tried to reach out to Wells Fargo to no avail . Wells Fargo had told me in the past that whenever XXXX XXXX XXXX will tend to reach out to them that my case would reopen this wasn't the case when I called them on Tuesday XX/XX/XXXX to either verify that one of my 3 cases opened, and if not I wanted to open another case so it's known that XXXX XXXX XXXX is attempting to return my funds. Wells Fargo is continuously not communicating or attempting to reach out to XXXX despite having the same credentials that I'm giving you now. All necessary documents have been signed it's literally Wells Fargo making this incredibly frustrating. Please don't hesitate to call me or email me if you want to hear more details. I currently have a case open with Wells Fargo where they are still telling me that there's nothing that they could do for me. XXXX - Being handled by XXXX XXXX XXXX Any other case numbers that can be in reference to this. Wells Fargo case number : XXXX 3 different case # XXXX : XXXX, XXXX, and XXXX XXXX XXXX - XXXX ( Best time to call between XXXX - XXXX ) Email - XXXX XXXX - XXXX XXXXf XXXX Fraud/Disputes XXXX XXXX XXXX XXXX XXXX ASSOCIATED WITH THISXXXX XXXX or XXXX I've had luck with both numbers. XXXX XXXX and multiple other reps with XXXX have verified with me in person and over the phone that my FULL AMOUNT of {$5600.00} is still frozen in the account and the funds WERE NEVER WITHDRAWN and they are currently waiting for the recall to be accepted by Wells Fargo. Hopefully someone will take the XXXX mins - XXXX it would take to verify these things or even read this email fully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
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: 2023-08-05
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: During the week of XXXX XXXX my XXXX and Wells Fargo accounts experienced a lot of unknown transactions ( checks deposited, claimed transactions, XXXX transactions XXXX etc. By the time that was happening I was receiving text messages, emails, and after that my account was locked, I called and reported case to the bank, but now I have a lower balance in my account to solve the problem the fraud caused me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX, 2023 my direct deposit from my employer was submitted to my Wells Fargo checking account. My account shows {$0.00}, no transaction. I called Wells Fargo and the automated system addresses an error on their end with direct deposits not credited into accounts due to technical problems. I asked the person I spoke to to verify my direct deposit and was told that indeed my employer did release my paycheck to my Wells Fargo checking account. They would not say when their error would be resolved. I've called 4 times and have yet to get an acceptable answer. Wells Fargo is refusing me access to my money, not even allowing an overdraft as a curtousy for their error. enraged is a vast understatement! The incompetence and lack of customer service is stunning and completely inexcusable. My entire paycheck disappeared, so should wells fargo. cease to exist as a financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 528XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Multiple requests for a home modification were submitted to Wells Fargo, XXXX from XX/XX/2023 to XX/XX/2023 to no avail. I was pre-approved for the {$95000.00} assistance at the XXXX XXXX XXXX XXXX Assistance Fund ( XXXX ) to reduce the outstanding balance and approved the modification request. Each loan modification request was submitted via a representative of the XXXX XXXX XXXX and myself. Unfortunately, upon acknowledging receipt of each modification, Wells Fargo, XXXX would request the same documents previously acknowledged as received, which is a stall tactic. Wells Fargo, XXXX, is not the loan originator. Several months after closing on the domicile, it was sold to Wells Fargo, XXXX. The property was also purchased while on XXXX XXXX and is protected under the Servicemembers Civil Rights Relief Act ( SCRA ), which Wells Fargo, NA, refuses to acknowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12553
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: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I am a long time customer of Wells Fargo. I had a joint credit card and mortgage with them for almost 20 years. We paid off our mortgage earlier this year. Our joint credit card was tied to that mortgage so we made the decision to open individual credit cards. My husband received a credit limit of {$30000.00} at sign-up. I opened my new credit card shortly after he did and received a {$10000.00} credit limit. I have requested an increase twice and have been denied both times. My credit rating is higher than my husband 's, however, no one can tell me why I am declined, or why my limit is so low comparatively. I have spoken with Wells Fargo on 6 different occasions over the past 3 months. Yesterday, I was told by the credit underwriting department that the algorithms make these decisions and they aren't able to explain why nor are they able to bypass the decisions made. I have been told that my credit card account is too new to be considered for an increase. I am beyond frustrated. Wells Fargo has been dismissive of me, they close out my customer advocacy claim without even speaking to me. I feel as though I have no other options to look for support for this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A