Date Received: 2023-07-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I applied for a WF credit card on XXXX for a {$200.00} bonus by charging {$500.00} in 90 days. I was denied with a credit score of XXXX, no debt, personal home paid for, $ XXXX month income and more than XXXX in savings products. The reason for denial is " ration of credit to debt is 0 '' which makes no sense. I want the card to replace one that I have only the WF card has no annual fee and I have an annual fee with XXXX XXXX XXXX XXXX I feel I am being discriminate against because they feel the only reason I am applying is to get the bonus. It shouldn't matter why I am applying if I qualify and giving a " non reason '' for a denial isn't appropriate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: My siblings, myself and additional family members ( XXXX people ) are being sued for a debt of a distant family member name XXXX. She was my grandmothers sister, who my siblings and I have never met. She lived in Florida ( we live in Maine ) and apparently she recently passed. Our mother passed 5 years ago and is also listed on the court document. An attempt to serve me ( at my husbands home, where I do not live occurred ), but my XXXX siblings were also served, and all of my many aunts, uncles, and cousins. The gentleman who served the documents did not disclose who he was, did not give a card stating he was a sheriff. XXXX got sent back ( because i do not live at my husbands home ), but we supposedly have " XXXX '' days to respond or we can lose the case, our wages, money and property. My uncle states that XXXX was at the end of life and there were XXXX ladies caring for her that racked up bills, bought cars, etc. My siblings and I have never met this lady. We do not know her. We do not have any stake in, nor want any stake in her estate, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I was victim to a phishing scam and had {$11000.00} fraudulently advanced from my credit card to my checking account and then my entire account balance fraudulently wired out of my bank account. When I talked to XXXX they immediately denied my claim. I then filed a claim with the CFPB ( Complaint ID : XXXX ) as well as with the XXXX ( XXXX ID : XXXX ) both of which XXXX responded to by asking for the full 60 day extension. When I spoke to a XXXX rep regarding the fraud on my credit card, they assured me that it was in my favor and that they wouldn't be charging any interest fees or cash advances while my case was under investigation. At the end of the month, I was still charged full interest fees for not only my actual honest balance, but for the additional {$11000.00} cash advance that Wells Fargo acknowledged in writing was fraudulent. I have now written multiple complaints about this to the CFPB with no change in response from Wells Fargo ( complaint ID 's : XXXX, XXXX, and XXXX ) who will not honor their XXXX liability fraud policy and are holding me liable for a balance on my credit card that they have acknowledged is fraudulent in writing. Additionally, I sent XXXX letters to Wells Fargo XXXX XXXX as well as the Credit Card XXXX XXXX on XX/XX/2023 to request a chargeback of the fraudulent {$11000.00} as well as an adjustment of my interest payments to what they should have been with only my actual non-fraudulent balance on it. My request for a chargeback and for the adjustment of my interest payments was sent to Wells Fargo on day XXXX of the 60 day period for which disputes can be filed and was received on day XXXX which was Monday XX/XX/2023. As of today, XX/XX/2023, I have received no response. Prior to the fraudulent transaction that occurred on XX/XX/2023, I had a balance of approximately {$4800.00}. With the XXXX XXXX APR that comes with my card, I was paying approximately $ XXXX {$70.00} in interest per month. After the fraudulent charge, and a new balance of approx. {$16000.00}, my interest charges have gone up to approximately {$200.00}. I am not satisfied with the responses that Wells Fargo has provided so far, as they are still refusing to honor their XXXX liability policy when it comes to fraud and are still holding me liable for a balance on my account that they have already acknowledged multiple times as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have had to make a total of XXXX visits in maybe XXXX weeks and this is my XXXX complaint! Wellsfargo on XXXX in XXXX Texas is the worst. My grandmother passed away on XX/XX/XXXX. the XXXX time I went to wellsfargo was XX/XX/XXXX for assistance, since the first time I waited XXXX minuted and finally got to someone and oh were closed now. I was told to scan the death certificate online on XX/XX/XXXX and make an appointment since the scanner was not working for them to upload the documents I gave. The guy told me since I don't have the safe deposit key they will cut the box open. When I go to the bank on XX/XX/XXXX for my appointment where I detailed what I needed and I have no key to the box XXXX called wellsfargo reps for help cause she could not see the death certificate. so legal verifies it and ask if I have probate. I said no I have a XXXX XXXX, will and I'm on the death certificate. XXXX says a XXXX is not valid when they die and not in any state. I said that is a lie a XXXX is not valid upon death it says it on the last page but a XXXX is valid after death and legal is lying I can call my attorney and you can call the courts downtown XXXX XXXX. I did not bring my documents because I did what I was told already online and scanned it. Finally I'm told their is a form for me to sign that the bank will notarize and then I have to wait a week to get the box drilled open and have to wait 30 days from her death to sign the form. I was mad cause I should have been told this and I had to go back on XX/XX/XXXX the day I was going out of town that pushed my trip time back to leave but that doesn't matter to wellsfargo. XX/XX/XXXX XXXX XXXX helped me and asked me for the XXXX death certificate that i already uploaded to you people and was verified and plus social security verified her death and yall sent me letters the first week of XXXX of it! Now XXXX tells me oh this will take XXXX XXXX XXXX XXXX has to upload the death certificate and fillout the form for legal this is nonsense and a waste of time XXXX XXXX should have told me this yesterday but no she didnt! The lack of communication and misinformation is ridiculous and embarrassing for wellsfargo. XXXX misinformed me and delayed my plans. I took responsibility of my grandmother and she trusted in me when she was a live and that when she died I would handle her affairs responsibly and wellsfargo gives me the run around. Truly this is terrible how the bankers at this wellsfargo are not willing to help you unless you have an appointment, they push for appointments when you should be able to walk in to the bank and receive assistance its their job! It's what their paid to do. Apologizing does absolutely nothing, do better! Educate your staff and give a XXXX about people 's time. When I spoke with XXXX after telling her initially I wanted to close the accounts and open the safe deposit box she asked if I wanted to keep the accounts open and them in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76110
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: on XX/XX/2023, Wells Fargo bank allowed an unauthorized charge of {$690.00} to be taken from my checking account. They have left me overdrawn by - {$350.00}. The charge was unauthorized and reported immediately. They have not issued a provisional credit and they are telling me to wait 10 business days for their investigation to complete. They should not have allowed this charge to go through as every other charge on my account now is going to face a fee and will be declined. They have declined smaller charges on my account for insufficient funds but yet they allowed an unauthorized charge when I did not have the funds. I was denied a request to speak with a supervisor in the fraud department to address this issue regarding why they allowed this charge to go through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was the victim of identity theft on XX/XX/XXXX. My phone and many accounts were compromised. I notified Wells Fargo that my phone had been hacked and I was worried that my accounts would be compromised while I was traveling. They said all I can do was monitor the accounts and notify them if something happens. I spent hours on the phone trying to find a way to prevent potential fraud since it had already occurred with another company I bank with. They couldn't help me and said nothing can be done until fraudulent activity is made. No real preventative measures can be made aside from changing passwords and adding a backup email. While I was traveling, I was locked out of my email and banking accounts and many transactions were made fraudulently which was my original concern. Upon returning in XXXX I spent countless hours over the phone and in person at various branches to fix all the fraudulent transactions. At this point I have rectified all transactions except for XXXX that is titled as " foreign currency online order '' for the amount of {$2900.00} and was withdrawn from my checking account on XX/XX/XXXX. I have endless notes documenting all the attempts and information I have been given. No department seems to know where to send me. I filed multiple claims and I have the numbers to them for this transaction. I faxed a letter in XXXX with claim numbers and describing what happened but no one has responded. I also filed a complaint to the bank. It has been over 6 months now and I still haven't received my money. I don't know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: been tryn 2 update my in bank account info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX, I have been a victim of fraud. Recently this year I was a victim of identity theft as well and I reported it. Recently on XX/XX/2023 someone started stealing my money from me, until XXXX XXXX. In total they took XXXX from me. Everything they bought was from a crypto website, and king soopers. I reported it to my bank ( Wells Fargo ) but they closed the case because someone verified as me. I did try to file a complaint already but it came back as closed. I would like to open this again because I need my money. Ive been trying since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have Eight accounts with Wells Fargo Bank, at first I was okay with it, when those accounts earned interest, but right now I am only earning XXXX per month. The bank switched my account from one service to another at least 10 times in the 20 years I have been with this bank. In order to have the privilege of 'free ' checking I must keep $ XXXX in a special account, which I have done, but if I should 'change " anything, with any of the accounts then it reverts to a monthly charge. I don't understand what happened to changing the interest amounts 'automatically ', as was done during the XXXX XXXX when he ordered interest rates down to 'XXXX ' because they do it in XXXX. Now, I am earning XXXX interest on my money, I will have to retire here and I am not earning any money on the money I must hold in the bank, or else I will conveniently for the bank be charged an considerable amount of money just to have the convenience of a checking account. The interest rate currently is 5 %, this is what the bank is making off what 'little ' money I have in the bank. Nobody can talk to me about it, I MUST make an appointment, which I tried, she blew me off. She was too busy. No one can tell me anything on the phone and the only rate offered was XXXX. I know, I should go to another bank, but nobody is offering any money unless you want to open a CD account. I have to keep my funds 'liquid ', so that's unacceptable. Now, the bank does have a 'product ' where they pay amble amounts of interest but I would have to have $ XXXX in the bank, and any other money I have would not be insured by FDIC XXXX so they would be 'unregistered funds '. I have been trying to get information from this bank since last XXXX, but no one will talk to me unless I make an appointment, which they conveniently blew off the last time I made an appointment. There is no escalation, there is no one I can complain to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/24 {$25.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$35.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A