Date Received: 2023-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We have credit card that is paid monthly installments for XXXX years for XXXX total. Last payment was due XXXX with no further balance due. Then on XX/XX/31 a check was cut from our XXXX checking acct for the full {$11000.00} again, resulting in {$11000.00} too much coming out of our checking act. Wells Fargo said they will reverse it but it will take 30 days and I dont think that is reasonable. We also dont know how this payment was set up since we dont believe we instructed XXXX to make that erroneous payment. We want to know root cause of the request for payment and also to get the reversal payment processed ASAP and not wait 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT In XXXX, a Well Fargo Bank Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to XXXX XXXX XXXX XXXX XXXX which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of XXXX XXXX XXXX XXXX XXXX to drop the collections attempt of a fraudulent account and return my funds they have taken from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Banking Institution : Wells Fargo. Summary : Debit card and iphone were both stolen from me in the early hours of XX/XX/23 at a bar in XXXX, GA. The following day, I went to a nearby Wells Fargo branch and discovered that whoever stole the card spent roughly $ XXXX in fraudulent transactions. I immediately filed a fraud claim with the banker onsite. After 10 business days I called the claims department and re told my account of how my card was stolen and they stated that they would update my file ( nothing changed from original story. ) A few days later I received a letter in the mail ( attached ) that my claim has been denied. After two more phone calls to members for their fraud team, they refused to even state a reason why the claim was denied. I did not authorize these transactions and Wells Fargo states that their customers are not liable for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT. INQUIRIES l MADE ARE UNAUTHORIZED AND DEMAND TO BE DELETED OFF FILE AND HISTORY AS MY PERSONAL INFORMATION HAS BEEN LEAKED FROM MULTIPLE DATA BREACH INCIDENTS .I HAVE ATTACHED A CLAIM REPORTED TO FEDERAL ENFORCEMENT ON BEHALF OF MY PERSONAL CHECKING ACCOUNT FOR STOLEN IDENTITY ,FRAUD DUE TO THE DATA BREACHES I HAVE BEEN VICTIM TO
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I made a complaint to Wells Fargo regarding unauthorized transactions made from my account in the amount of {$3400.00} though XXXX. They opened a claim and provided a temporary credit to my account. They are now reversing the refund amount and stating I allowed the unauthorized transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Got a call XX/XX/XXXX thought it was fraud so I hung up. On XX/XX/XXXX got 2 letters in mail about 2 balance transfer requests approx {$3000.00} each. XX/XX/XXXX my daughter and I Called Wells Fargo customer service number on back of card and XXXX immediately said their is a fraud hold and I would need to go to a Wells Fargo branch with my Id. I am elderly and do not drive far my daughter is willing to help but They could not tell me closest branch and transferred me to fraud dept to XXXX and said same thing and then transferred me to XXXX XXXX and told me if it was her mom she would travel to end of earth for her which was unnecessary because my daughter was helping me but XXXX could not help us report these unauthorized charges and would need to call Monday. My daughter and I called Monday and got the same run around and I had to ask for manager and still they wanted me to go to a branch asked where closest one was they couldnt tell me again I would have to look it up. They eventually transferred me to XXXX in ATO department again where they told me an order for me to file a claim they would have to replace my card and send me a new one. I was not interested in a new card until this fraud was taken care of. But they would not file the claim so I said go ahead, but do not turn that card on until this is taken care of, so they gave me a special password to activate it. I was eventually able to file the claim, but they wouldnt give me any information except that it was a electronic balance transfer. I understand that to be another credit card that someone was trying to pay off. How can they do a balance transfer from a credit card that wasnt in the same name, this charge was definitely fraud and I should not be held liable. I was very dissatisfied with Wells Fargos customer service and them not being able to tell me where a local branch was. I had to go online myself and look it up. Come to find out theyre only in California I didnt go to a branch to get this card or account. It was all through the mail, so I was not sure why I had to go to a branch to straighten this out and then when they realize there was no local branches, they told me to go to any bank which didnt make sense to me because my daughter works at a bank and said that this is unheard of and why would she service a Wells Fargo customer? what would she do with that, it was a very stressful process to file a fraud claim with Wells Fargo and I should not have been told my balance was still over {$7000.00} dollars which included the fraud charges that I was reporting. I sure hope that Wells Fargo takes care of this. I should be getting a letter in 7 to 10 days but I really want to close this account out because I am not confident in their customer service and how It was handled and Wells Fargo customer service uncertainty. However, if I decide to close this account out, Im going to take a hit to my credit report which is not fair either but I choose not to do business with them anymore. Once I pay my {$130.00} balance, which is all I owe and authorized I will close it. This request to file a fraud claim took over 5 hours of our time over 2 days which we should have been able to report on our first call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX owns the XXXX XXXX XXXX that was leased to XXXX XXXX. XXXX XXXX had a claim filed with XXXX XXXX. She received a XXXX party repair check made out to her and XXXX XXXX XXXX XXXX XXXX XXXX XXXX the check at Wells Fargo bank without the endorsement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not endorse that check or authorize it to be cashed. We filed a forgery claim with Wells Fargo bank through XXXX XXXX on XX/XX/XXXX when the XXXX XXXX. adjuster was reassigned. Wells Fargo has not responded to either of us. They also have not sent a packet to XXXX XXXX. accounting dept. like they advised they would. Wells Fargo 's claims line stated that they can not help give an update on the claim without their claim file # on this packet. XXXX XXXX. has advised they have not received the file. Neither us nor the insurance company can get an update on the forgery claim. Wells Fargo is unresponsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In May they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of 2022. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been the victim of an International Wire Scam which cost me {$180000.00} the scammer was able to add and subtract money from my bank account easily to the point where he deposited XXXX into my account to make it look like there was more than usual he said it was an accident and that I needed to get him his money back so he removed over XXXX from my account to show me that he could do anything he wants including bankrupting me which meant that I needed to listen to what he told me or I would be left penniless so he told me to pressure my bank Wells Fargo into wiring the money to a specific account in XXXX and if I didn't do it I would never see the money that he removed from my account again when I made this request to Wells Fargo because I had no choice because the scammer told me if I didn't do it he would wipe out my account completely the only chance of this wire not going through would've been if Wells Fargo would've done their due diligence on this request before releasing the wire instead the wire went through even though the scammer claimed that his bank in XXXX the XXXX XXXX XXXX XXXX XXXX never received the wire and I had to send it again otherwise he would remove everything else that was left in my account so again I had Wells Fargo send it one more time and again instead of putting a red flag on this request they let it go through my thought was if my bank doesn't allow the wire to go through it's not my fault and I would provide the proof to the scammer in hopes of getting my money back but instead of protecting me they sent the wire no problem maybe if they would've checked my history with them that goes back over 20 years they would've seen that the request is not something I would've ever done willingly that maybe they would do much more research on the company before the wire was sent the first time and than a 2nd time instead it was sent just the same as if I was requesting a {$1000.00} wire for some reason they have more restrictions for XXXX wires than they do for a XXXX and a XXXX wire to XXXX I am very disappointed in my banks decision to release the funds to a foreign country without doing any research and taking the steps necessary to protect me and turn down the request the scammer initially tried getting the funds through my Coinbase account before going to Wells Fargo the big difference is that XXXX saw it as a red flag and froze my account for 3 months and wouldn't allow the transaction to go through to XXXX however they did send the XXXX back to my Wells Fargo bank account because the scammer again forced me to remove the XXXX from XXXX and return the funds back to Wells Fargo because he still didn't get back the XXXX that he deposited into my account on purpose so he decided that I needed to pressure Wells Fargo into making the transactions my biggest issue is that Coinbase which is a XXXX company protected me by turning down the wire request to XXXX more than my bank of 20 years did for me by allowing not one but two wires to be sent to XXXX even though they have my entire banking history for XXXX decades and know my spending history better than anybody I am shocked with all the wire fraud that goes on in the world and belonging to one of the biggest banks in the country you would think that Wells Fargo would be better prepared and trained to handle these situations and people like myself and others wouldn't be able to be taken advantage of so easily when a scammer can literally go into your account and remove money and say don't worry Wells Fargo will never see it the money is hidden I have to really question the safeguards and security measures that Wells Fargo takes to keep their customer 's bank accounts safe I am also very disappointed on the lack of support Wells Fargo has provided when it comes to following up with me on my case they very rarely follow up with any updates on how my case is progressing I can't sleep at night, I haven't told my family and I have slipped into a deep XXXX I would greatly appreciate any help you can provide me with this situation Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes Wells Fargo, 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: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A