Date Received: 2023-07-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had a bank account with Wells Fargo between XXXX and XXXX and I was charged overdraft fees incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Wellsfargo charged off this account with no previous delinquency in XXXX of XXXX. This loan was taken out by a primary borrower who to this date is an active service member of the military. The team at wellsfargo have been contacted a considerable amount of times requesting the XXXX form, validation, verification of agreement, and action and no such documents have been produced- it is now XXXX of XXXX and the company has written this off, failed to due their duty for the active service member, and continue to report false information while negatively affecting someone who is a protected class.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: hi, i tried to withdraw {$800.00} from my account atm dispenser XXXX XXXX did not dispens the money call wells fargo called immediately to report the problem but no help from wells fargo side i know they have camera and they could count there money to make sure im telling the turth but no help from wells fargo side at all please i need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX activity in my checking account with Wells Fargo. I reported it to Wells Fargo & XXXX XXXX store which took place on XX/XX/XXXX. The amount is {$270.00}. Both companies are claiming they see no fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was the victim of a phishing scheme and Wells Fargo refuses to replace the {$3500.00} that the criminals stole from us. I received a call from Wells Fargo 's fraud department ( checked the number and it was the same as the fraud department number ), telling me that my account had been compromised. I stayed on the call to try to remedy the situation. While I was on the call, the criminal authorized {$3000.00} from one checking account and {$500.00} from another to be transferred via XXXX. It turned out, that it was not Wells Fargo 's fraud department, however, because the phone numbers were the same, how was I to know?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19438
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was in the hospital beginning XX/XX/2023 after experiencing other health issues the past several months and was hospitalized until XX/XX/2023. My phone with my passwords and PIN was left in my room and someone got a hold of it. I lived with 4 roommates and people were constantly going in and out of the house. I submitted a dispute for all the transactions that were not done by me and my claim was denied. I have since moved out of that house due to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Wells Fargo Visa XXXX XXXX card. It was in the terms of the card that if I spend {$50000.00} on the card in a XXXX span, my redemption rate for airfare would increase to XXXX per point. I was aiming to achieve this benefit between XX/XX/XXXX and XX/XX/XXXX. In a call to Wells Fargo in XXXX or XX/XX/XXXX I got confirmation of this benefit, the representative found the bullet point about it in the terms and read it to me, and told me that the redemption value should change automatically once I spent the {$50000.00}. Wells Fargo keeps summaries of customers calls in their records. It seems that the terms of the card were updated in XXXX and the benefit I was working toward was removed. I was not notified of the change to the terms, and continued to use the card for every transaction I could in an effort to reach the threshold. Once I reached {$50000.00} in XXXX and noticed the redemption rate had not changed, I called Wells Fargo to find out why. No one could give me an answer and the credit card team and rewards team just kept sending me back and forth between each other. When I checked the card terms it said at the top it was updated in XXXX, so I inferred that the airfare redemption rate benefit was removed. I find it suspicious that it was removed so soon after my call confirming I was understanding the benefit correctly. I dont know about the legality of changing the terms of a card without notification but it is a shady business practice at the least. Ive been a cardholder for 11 years and was finally going to achieve the chief benefit of the card, only to have XXXX pull the rug out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was notified by my bank Wells Fargo that My account had some charges that came off as fraudulent. I confirmed they were not authorized and from then on Had to visit a branch to restrict/Suspend all accounts, Credit cards, and Online Banking with Wells Fargo . Assuming they were all frozen-on Saturday XX/XX/XXXX I received an email stating I had enrolled in online banking, opened a new checking account, opened a new loan and did a cash advance which was transferred to the new fraudulent account. Which was then XXXX out to an XXXX XXXX Phone Number XXXX. I quickly called the bank and told them I was told everything would be frozen. They notified me that some accounts didn't have the proper restrictions on them. From there I realized Wells Fargo was irresponsible and this was spreading like wild fire. They were also able to call in and change my KYC info over the phone just because they were able to verify my social which was compromised. I installed XXXX XXXX I have a service enabled on My XXXX XXXX Mobile App called XXXX XXXX which monitors your credit. On XX/XX/XXXX I was notified that a new credit card was applied for and my credit had been pulled. I found out that someone had gone in to an XXXX store in XXXX, CA and applied for a XXXX XXXX credit card. When I called the location, they mentioned they always check ID for a credit card application. This thief had also gone to XXXX in XXXX, CA to open a XXXX XXXX XXXX in my name and had linked my Checking accounts with them. XXXX mentioned they had my ID same DL # Same address and info. I went ahead and installed XXXX as well as XXXX XXXX to lock and freeze my credit and also alerted the Police through a police report. They have gotten in to my Bank accounts at Wells Fargo and charged almost {$3000.00} in fraudulent charges. Everything is currently being investigated. There is a fake Copy of my ID with these thieves and they also have my SSN number. Attached you will find all the documents from Wells Fargo as well as the fraud credit cards that were open in my name. I will also attach the police report. There is a possible suspect XXXX XXXX phone number XXXX or XXXX These numbers were linked to the XXXX account they transferred funds to from my Wells Fargo Account. Attached you will find an official police report from the XXXX XXXX with all the information as well as case number. With the following reports I was able to report theft and fraud on all my credit bureaus as well as the DMV where they helped me apply for A new Drivers License and put a lock on my personal information for 12 months to deter fraud. This Loan at Wells Fargo is not valid and was not authorized or initiated by me. It was a part of the fraud and was opened by the fraudsters using my information that was compromised. After all this hard work and investigation and Wells Fargo even deeming me not responsible for the credit card charges as well as the debit card transactions, they are still finding me responsible for this personal loan that was applied for with my info that I had no idea of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was notified by my bank Wells Fargo that My account had some charges that came off as fraudulent. I confirmed they were not authorized and from then on Had to visit a branch to restrict/Suspend all accounts, Credit cards, and Online Banking with Wells Fargo . Assuming they were all frozen-on Saturday XX/XX/XXXX I received an email stating I had enrolled in online banking, opened a new checking account, opened a new loan and did a cash advance which was transferred to the new fraudulent account. Which was then XXXX out to an XXXX XXXX Phone Number XXXX. I quickly called the bank and told them I was told everything would be frozen. They notified me that some accounts didn't have the proper restrictions on them. From there I realized Wells Fargo was irresponsible and this was spreading like wild fire. They were also able to call in and change my KYC info over the phone just because they were able to verify my social which was compromised. I installed XXXX XXXX I have a service enabled on My XXXX XXXX Mobile App called XXXX XXXX which monitors your credit. On XX/XX/XXXX I was notified that a new credit card was applied for and my credit had been pulled. I found out that someone had gone in to an XXXX store in XXXX, CA and applied for a XXXX XXXX credit card. When I called the location, they mentioned they always check ID for a credit card application. This thief had also gone to XXXX in XXXX, CA to open a XXXX XXXX XXXX in my name and had linked my Checking accounts with them. XXXX mentioned they had my ID same DL # Same address and info. I went ahead and installed XXXX as well as XXXX XXXX to lock and freeze my credit and also alerted the Police through a police report. They have gotten in to my Bank accounts at Wells Fargo and charged almost {$3000.00} in fraudulent charges. Everything is currently being investigated. There is a fake Copy of my ID with these thieves and they also have my SSN number. Attached you will find all the documents from Wells Fargo as well as the fraud credit cards that were open in my name. I will also attach the police report. There is a possible suspect XXXX XXXX phone number XXXX or XXXX These numbers were linked to the XXXX account they transferred funds to from my Wells Fargo Account. Attached you will find an official police report from the XXXX XXXX with all the information as well as case number. With the following reports I was able to report theft and fraud on all my credit bureaus as well as the DMV where they helped me apply for A new Drivers License and put a lock on my personal information for 12 months to deter fraud. This Loan at Wells Fargo is not valid and was not authorized or initiated by me. It was a part of the fraud and was opened by the fraudsters using my information that was compromised. After all this hard work and investigation and Wells Fargo even deeming me not responsible for the credit card charges as well as the debit card transactions, they are still finding me responsible for this personal loan that was applied for with my info that I had no idea of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a Wells Fargo customer for 15 years. I have 44 business accounts and a personal account with them. I also have two XXXX lines of credit and 3 credit cards. I also have my home mortgage with them. Out of the blue today I had an XXXX call and say that they wouldnt cash a check. I called the bank only to be told that every single one of my accounts was being closed due to a business decision by the Loss Prevention team. I called the Loss Prevention team and they have no answers. I spoke to four different supervisors and they all say thats its outside their control and that I did nothing wrong but that they are making a business decision to close my accounts. I have multiple partners in these companies and decades of automation work put into these accounts. I XXXX almost 2k people. They immediately shut down my lines of credit and credits cards. They tell me I have until XX/XX/XXXX to move every single account. Im totally dumbfounded and have no idea how something like this could happen. The amount of work that it is going to take to change all my banking is staggering and it would be a miracle if my team and I can accomplish this by the date they gave me. I feel violated and feel like Im being treated like a criminal for being an XXXX. If I had some sort of answers I could walk away and move to another bank but to just randomly do this after 15 years of business with them is shocking. Any suggestions would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A