Date Received: 2023-08-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Signed up for checking account, and kept {$500.00} minimum daily balance as noted in the terms to avoid the $ XXXX monthly service fee. Wells Fargo inappropriately charged the fee anyway for several months bringing my account balance below {$500.00}, where they continued to charge fees in the total amount of {$330.00}. It is my belief that WF deliberately charged the fees against their own terms initially in order to bring my account balance below the stated minimum, whereupon WF continued to charge the service fee. Had WF not erroneously charged the fee to begin with, my balance would not have dropped below the {$500.00} minimum daily balance.
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: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I notified Wells Fargo of unauthorized charges in the amount of {$330.00} They told me that my card was used! I ask for proof from Wells Fargo that my card was used on XX/XX/2023 and still have not received any proof of my card being used! Because I still have my card in my possession! These charges were in another state I was nowhere near that area! Ive never given anyone my card pin! Im on a fixed income I need this money! I didnt do these charges!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2023, I applied online for a line of credit. Wells Fargo immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX Wells Fargo rep replied to below complaint by referring to prior replies which include various run arounds, which is common for Wells Fargo and I believe the CFPB would agree, is not a reply... .As explained in numerous prior CFPB complaints against Wells Fargo , account ending in XXXX was opened by Wells Fargo reps which I did not request. A debit card purchase made under account in amount of {$290.00} from XXXX was made in XXXX of XXXX, package shipped by XXXX, signature was forged by XXXX driver , package left where it was lost/stolen .... A dispute was filed with Wells Fargo for non-receipt of item, a provisional credit issued in amount of {$290.00}, it was later reversed back out of account, Wells Fargo accepts forged signature as true and correct and refers to purchase as authorized which has nothing to do with non-receipt of item.. XXXX external funds transfers in amount of {$50.00} brought the account to - {$190.00}, later charged off and sent to a third party collection agency. Wells Fargo replied in part to this issue by sending mediation request forms, a total of XXXX of these such forms have been filled out, submitted, XXXX marked as duplicate, case number provided for third request, number XXXX which is attached to complaint. The letter is dated XXXX of this year, stating a rep would reach out, no one reached out and when I call the number provided on letter, I am told call will be disconnected and refer back to prior mediation in which case, no payment received ... .Needless to say, this is a mere runaround, which is common for Wells Fargo ... The prior mediation is from XXXX and relates to older accounts opened by Wells Fargo which I did not request... The case ID for that mediation is XXXX, I was offered a payment amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00}, payment sent to my old address in error which Wells Fargo XXXX will not admit to. Payment was sent in XXXX of XXXX, I moved in XXXX of XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was sent to my old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps initially replied to this issue by referring to check as cashed, in which case, not by myself. When investigated and unable to recover funds, Wells Fargo refuses to reissue check despite their own error in sending check to incorrect address. Additionally, Wells Fargo has reported the amount to IRS for tax year XXXX, 1099 form is attached... I've requested Wells Fargo correct this form to show no such payment received, as they refuse to reissue payment ... Wells Fargo replied to this issue by referring me to a tax professional whom advised 1099 form needs to be corrected, if not, I am liable for taxes on reported amount not received..When I brought this to Wells Fargo attention , they appear to refer back to prior replies which do not address it. I believe the CFPB can see this is a runaround. With regard to these issues above, Wells Fargo reps reply with various lines ranging from referring to prior replies, stating litigation is involved and refuse to reply, claim no new information provided and ignore information already provided... In closing, please advise Wells Fargo to correct IRS 1099 form if they will not reissue payment. With regard to account ending in XXXX, their mediation request forms appear to be a run around, I suggest refunding the XXXX purchase in amount of {$290.00} which will bring account to a balance of {$100.00} and refund this amount to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. WELLS FARGO CRD SVC {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WELLS FARGO BANK {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Over the past four plus years I have filed 6 mortgage related complaints about the servicing of my mortgage by Wells Fargo and XXXX. All of these complaints have followed the same course in that the XXXX forwards them to the named corporation, they respond by saying they did nothing wrong, I reply with my feedback and the case is closed. Seeing that the XXXX is the enforcement agency when it comes to violations of mortgage laws and regulations, I would like to know how or when is it enforced other then compiling a list of complaints submitted by consumers and if enough complaints are received about a specific corporation an investigation is conducted and fines are administered. How is this considered enforcement when nothing is done to stop, as in my case, the continuation these violations while they are occuring resulting in the illegal foreclosure continuing until the home is lost? As it is now it would be like calling the fire company when your catches on fire and being told that they will be there once its done burning. Does not do much to help after the fact. All this has done is to allow the mortgage companies do as they please. As in my case where the initial filing of foreclosure violated the Dual Tracking law, mis handling of escrow funds, fraudulent theft of escrow funds, two years of deceit and incorrect amounts charged to the account as it was transferred to XXXX in XXXX of 2021. The continuation of foreclosre while in an 18 month forbearance with documents stating it was in forbearance and no foreclosure activity would take place to include the violation of servicing requirements for a VA backed loan. Even after reporting this to the XXXX, hiring an attorney, going to court only to find the judge not knowing these laws, I am now faced with a new sell date. Would you please explain how this is enforcement of the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased a pet online and was promised it but did not receive it as well as they were requesting more money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint is against the Executive Office at Wells Fargo. In being very careful not to duplicate a complaint against this very questionable Financial Institution, my complaint is very specific to a sole / certain issue in my dealings with Wells Fargo. With the various governmental Financial Oversight Agencies, I can not understand how a Financial Institution such as Wells Fargo is allowed to stay in business??? Their lengthy history of validated fraud, fraudulent accounts opened by Wells Fargo, Customers money removed in a fraudulent manner, such as my {$8800.00} in my retirement savings -- - and lest we not forget XXXX XXXX in Civil Penalties, and XXXX XXXX in restitution, how is Wells Fargo allowed to continue to function as a Financial Institution?? How is Wells Fargo allowed to be trusted with Customers Money?? I'm very angry at myself for not researching Wells Fargo prior to trusting them with my Retirement Savings. I have been trying to collect my lost monies of {$8800.00} from Wells Fargo since XXXX XXXX. I have involved the : -- XXXX XXXX XXXX -- Consumer Financial Bureau -- Office of the Comptroller of the Currency -- FDIC Consumer Response Unit and I have posted many facts online for customers to beware -- prior to trusting Wells Fargo with any Financial Activity, and certainly not their Retirement Savings. My case was once again turned over to the Executive Dept. at Wells Fargo. The Executive Office Case Specialist assigned to my case is XXXX XXXX. He has communicated with me x 1. He sent me an attachment which I can not download, as I made him aware of this. And of course this is the 3rd Executive Case Specialist that I have been assigned to. My question is simple : why does Wells Fargo continue to shut me out and ignore me? My only goal is to get an agreeable resolution to my {$8800.00} retirement savings, which was lost in a fraudulent manner in transactions by Wells Fargo. And this was after I had my accounts deactivated and disabled!! I am not going away until my {$8800.00} that Wells Fargo list through Fraudulent activity is collected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made an extra payment on my wells Fargo store account, when doing so it lowered my automatic payment by that amount ( I had a {$600.00} automatic payment and made an additional payment of XXXX to keep my promotional financing, but it lowered my XXXX amount ). I ended up being charged {$230.00} in interest charges and called to complain. After being on the phone for 2 hours they returned the interest and told me what to pay to fix it. I made the payment on XX/XX/XXXX and thought all was fixed. My next {$600.00} automatic payment was to come out on XX/XX/XXXX but was reduced because of the payment I was told to make on XX/XX/XXXX. So again this month I received interest charges. I called and again was on the phone for an hour. I was directed to page 2 of my bill where it said $ XXXX {$600.00} will be deducted from your account and credited as your automatic payment on XX/XX/XXXX. The automatic payment amount will be reduced by all payments posted in or before this date. I was told by the same individual that my XX/XX/XXXX payment was in the XXXX billing cycle and you could only make extra payments between the XXXX and the XXXX, however I received my bill today - XX/XX/XXXX - 6 days after that opening. The Wells Fargo team was not kind or helpful and Im stuck in a cycle of trying to stay ahead of the special financing when I was just trying to do the right thing and pay extra on my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, NON XXXX, XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A