Date Received: 2023-07-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have made all my payments and the account balance shows {$0.00}. I am trying to close the account and the company representatives pass my call around and eventually hang up. Have tried calling multiple times about this and same thing every time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I received a wire of XXXX dollars from XXXX XXXX. She owed money to a friend of mine that asked if it could be placed in my account. I told my friend ok an I would give it to them. XXXX XXXX sent the money herself. Now I get a call yesterday XX/XX/24 from someone in the fraud department from wells Fargo claiming I commited fraud when I did not. XXXX put the funds in my account on her own. I should not be penalized for her claiming she did not authorized the transaction when clearly she did. Now my account with wells Fargo that in just opened is going to be closed leaving me with no access to my own money. Which is not fair what I do with my own money is no ones business. The lady who called me claims I scammed XXXX which I did not. Please help me reverse this. I can't open any bank accounts withother banks because of this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had submitted Complaint Id XXXX and the response offer from wells fargo was if i paod {$990.00} by XX/XX/2023. All interest charged would be waived. I paid the required amount online and interest of more than {$1500.00} has not been waived. I have attempted to talk to the escalation person who sent offer and left multiple messages but no response or call back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Because Wells Fargo working from the comfort of their home employees decided to re-copy and re-paste the previous answer of the previous Working from the comfort of their home employee to my complaint, I decided to repost my complaint. Here my complaint again and i will keep repost till Wells fargo hire someone with a brain to answer my complaint. Wells Fargo seems that they are acting like if they do not want to understand that there is an issue that need a solution. For that I will have to repost my complaint till a manager from Wells Fargo reads, investigate it and provide me a permanent solution All the Wells fargo answers are a copy and paste and they blamed every one else but not wells fargo for not following the laws and regulations and the mailing preference Wells Fargo Failed to investigate my issue, Failed To answer my complaint, Failed to address my issues with their managers and failed to find any one from Wells Fargo accountable for their actions and failed to provide a permanent solution, I am complaining for more than 2 years now because there was no permanent solution to my issue and Wells Fargo are still disregarding my privacy rights, Wells Fargo is taking the issue of my privacy lightly and they are supporting and covering up to all the managers and employees misconducts especially the ones are working from the comfort of their homes without supervision or management those Wells Fargo employees who are answering the complaints from their homes seems to be working per diems as subcontractors not related to Wells Fargo in anyway. Here is my complaint again : Wells Fargo are still insulting the customers intelligence by answering to a complaint in a way by trying to miss direct the issue of the complaint. The issue was about a manager at wells fargo branch NOT ABOUT A WINDOW TELLER employee as Wells Fargo puts it in the answer. A BRANCH MANAGER COULD NOT ORDER A REPLACEMENT EXPIRED TELLER MACHINE CARD and asked me to make an appointment to SIT WITH A BANKER to discuss my account and to sell me services I do not need in order to have a replacement teller machine card, When in 30 seconds, I ordered this replacement car by calling Wells Fargo customer service over the phone right at the front of the branch. ( If you do not find this misconduct by the branch manager is weird and questionable then there is something wrong with you to ). The Wells Fargo employee who answered my claim here deliberately tried to cover up the miss conduct of the branch manager by redirected my issue to something else, and did not investigate my issue before they answered my complaint. the issue is abou a BRANCH MANAGER not about a wells fargo employee working at a window.Read before you answer or you read it but you want to cover up a misconduct. For the Third time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., Case Number : XXXX & XXXX. XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: To Whom It XXXX Concern, I hope this letter finds you well. I am writing to file a formal complaint against Wells Fargo regarding their handling of my request to reimburse overdraft fees on my account. In late winter XXXX, I contacted Wells Fargo via phone to request a refund of the numerous overdraft fees charged to my account. During the call, I was informed that I could only be reimbursed a small amount under {$80.00} ( I can not recall the exact amount, but it was under {$80.00} ). This amount did not adequately address the issue, especially considering the circumstances surrounding the overdraft fees. Subsequently, on XX/XX/XXXX, I took further action by sending a fee appeal letter to Wells Fargo, reiterating my request for a refund and a waiver of the overdraft fees. In my letter, I highlighted the hidden clauses justifying these fees, which were concealed in extremely fine print. I expressed my surprise at such hidden fees, as I had never been aware of them. I found this practice dubious and unsettling as a loyal customer. I provided background information, highlighting my long-standing patronage of Wells Fargo and my consistent efforts to maintain a positive balance and responsible payment behavior. However, due to recent personal hardships and unexpected familial obligations, these fees have become an immense financial burden, making it increasingly difficult to maintain my loyalty as a customer. Despite my sincere and compelling appeal, Wells Fargo replied, stating that they could not grant my request for a refund and waiver of the overdraft fees. This response was disheartening and left me feeling unheard and unsupported by the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by a XXXX hacker impersonating to be my friend and asking me for help. It asked me to use this email address to send the money, XXXX. Then gave me XXXX email to use for XXXX. I sent {$800.00} via Wellsfargo, XXXX email account on XX/XX/XXXX. XXXX days later I realized that I was scammed through posts on XXXX, called Wellsfargo and made the claim on XX/XX/XXXX. Then I received XXXX different letters dated for XX/XX/XXXX from Wellsfargo. One informing me about the claim being the payment was processed as requested and then the second letter stating denied based on the information available to us. I called Wellsfargo to clarify the status and that I was willing to send them any evidences of XXXX XXXX XXXX account being hacked and reported. WELLSFARGOs response was that the case was closed and that they wont be needing any additional information regarding the case. When asked if there is anything I can do, WELLSFARGOs response was that they are willing to support me by receiving the refund if the scammer chooses to send it back through WELLSFARGO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've been a customer of Wells Fargo ( WF ) for close to XXXX years. During my time as a customer WF has constantly put me in products that are not a good fit. For example one of my checking accounts was converted to an account that would cost a monthly fee. Wells Fargo did not send anything detailed in the mail- they wrote a very small note on my mobile dashboard. When I called to inquire why the account was changing I discovered there was a different account that was free and and better suited for my needs. This was also the case for my rewards credit card ; it was automatically converted to a cash back credit card. Again nothing was mailed out to me ; there was a small notification on the mobile dashboard saying the current card would switch over by a certain date. If WF has the power to switch customers into different products without their consent or consulting with them first it seems they would do their due diligence and learn how a customer uses their accounts /credit cards and place them in a product that's in the customers best interest. Second example - WF closed all Personal Lines of Credit. Customer 's were not given the option to keep their XXXX open. This clearly was done because it was beneficial to the company. Also, Wells Fargo has consistently kept me at the highest APR for my credit cards despite my good standing as a customer ( Excellent credit and XXXX score, on time payments etc. ). I have asked for Wells Fargo to explain why my APR is at the highest but they do not have not given a reasonable explanation. I was recently sent a promotional offer for a loan ( up to $ XXXX ) from WF so they aware of my good credit history. They are refusing to give me a decent XXXX or convert me to credit card that works for me. I'm requesting my XXXX be lowered or I be placed into a different credit card without a hard pull on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX at approximately XXXX I received a phone call from a number I recognized as Wells Fargo fraud department XXXX XXXX ) as well as text messages detailing the fraudulent activity and messages with 6 digit codes with a link to what appeared to be an authentic Wells Fargo website. I was advised that an attempted cash advance/wire transfer was being attempted on my credit card account with Wells Fargo in the amounts of {$1100.00} and {$9000.00}. I have banked with Wells Fargo since XXXX. I currently have a checking account, 2 savings accounts, and 1 credit card. I was advised to verify the 6 digit codes shown as well as some proprietary account info to verify my identity. I was told that there was an issue with my notification settings and this needed to be fixed. I was provided a link via text which directed me to what appeared to be an authentic Wells Fargo website where I was advised to log in with my online user credentials in efforts to fix my online account issues. I was then asked to connect another individual on the line by forwarding the call to XXXX. After speaking with the second individual for approximately 30 min I was advised a new debit card would be issued and I would receive a follow up call regarding this dispute. The night of XX/XX/XXXX at approximately XXXX I contacted the Wells Fargo fraud department as a follow up call to this dispute after reviewing my checking account and noticed I was missing {$2900.00}. The representative I spoke to had no information to any prior conversation. No notes had been imputed in their system and no case had been opened for this claim. I explained the situation in full detail advising that I had been contacted prior to this call. After discovering the agent was unaware of any prior conversation I then asked to speak to another representative. The individual whom I was transferred to suggested that I may have been a victim of a phishing scam and asked that I call back during normal business hours so I can start a claim. The morning of XX/XX/XXXX I contacted Wells Fargo customer support and spoke to several individuals including an individual in the fraud department to initiate my claims. I again tried to explain and detail the situation including the phone calls and text messages as well as the {$2900.00} missing from my checking account. I was advised that I needed to personally go into a local Wells Fargo branch to prove my identity before pursuing my claim. Once I arrived at the local Wells Fargo branch I was advised to have 2 forms of identification and then the banker proceeded to close my checking account to re open a new one, and gave me new user access to my online account. The banker contacted Wells Fargo fraud department and detailed the claim on behalf before speaking with them myself to provide additional information ( two claim numbers provided : XXXX & XXXX ). I advised that I only use my cell phone as my primary access point when logging into my online account portal and a home computer that is used but used infrequently. I was advised that they would be able to identify the IP address as well as the location of the individual ( s ) who accessed my account. I explained to the banker what had transpired on the afternoon of XX/XX/XXXX. I provided phone call records as well as text messages. I was told that the text messages appear to be from Wells Fargo and I should have nothing to worry about. I tried to explain in detail what my concerns were and that I felt it was suspicious to receive an outbound call. I was reassured that Wells Fargo DOES in fact make outbound calls in some situations. I was them advised to wait a provisional period of 5 days before the resolution is made. I also explained my concern regarding the {$2900.00} taken from my checking account. I was advised that a total cash advance of {$10000.00} was transferred into my checking account and {$12000.00} was deposited into a XXXXXXXX XXXX account with an individuals name ( XXXX XXXX ) tied to the transaction which I did not recognize or authorized on my account. On XX/XX/XXXX at approximately XXXX I contacted wells Fargo fraud department again to try and discuss my case to further the investigation. I attempted to detail the same information as well as obtain additional info regarding the fraudulent calls. Again, I was told to wait until the investigation has been completed. On XX/XX/XXXX I received a certified letter from wells Fargo fraud department explaining, weve completed research of your inquiry about a wire transfer request initiated through online banking for {$12000.00} on XX/XX/XXXX. After reviewing all the information available to us regarding the online wire transfer you are disputing, we have determined the the transaction was performed by you or someone using your user name or password. Under our online Wire Terms and Conditions, Online Access agreement and password. As a courtesy, we initiated a wire recall on your behalf to attempt recovery of funds. Unfortunately, the beneficiary bank responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim. After reviewing the letter I contacted Wells Fargo fraud department directly to asked for a comprehensive detailed report as well as information showing IP address info and each time stamped log in attempted on my online account. I was told the case was closed and theres nothing that can be done. I was also NOT provided the requested information. I explained that a representative informed me if the online account was accessed on a device NOT recognized by me and Wells Fargo the IP address would justify my claim and show I was a victim of fraud. Again, I was told the case was closed. On XX/XX/XXXX I contacted Wells Fargo fraud department and customer support In Hopes to get some clarity on the dispute/claim. I was told theres nothing more that can be done. Later that evening I came across a special report covered on XXXX news. The report detailed a case just like mine. Caller acting as a bank representative calling regarding wire transfer fraud on this individuals account. The XXXX was contacted and is aware of the phishing scam. As well as Wells Fargo. To date this has costed me everything, up to and including, possibly losing my apartment, my credit score, accrued fraudulent debt as well as XXXX XXXXXXXX and loss time from work. Im on the verge of losing my job as well as my home because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have bill pay set up and utilize it often. I was shocked to see Wells Fargo bypass my instructions et pay payee earlier than I scheduled for payment to be sent. They were rude oppositional and hostile when I approached them. Each customer support person was dismissive especially XXXXXXXX XXXX XXXX They continued to gaslight the situation and were defensive et rude. They make too many errors et this unfair especially since they are unauthorized. They also changed my pin without informing me. I have yet to receive a pin as well. What is with this banks service. It seems like they promote a culture of disrespect et being disingenuous. This XXXX must stop. This unauthorized meddling in my account must stop. One other thing I was promised for all these errors they would send me a bouquet of flowers ou some plants with planter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX, {$23000.00} TAKEN OUT FROM MY WELLS FARGO CHECKING ACCOUNT WITHOUT MY CONSENT AND REFUSED TO PUT IT BACK IN MY ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A