Date Received: 2023-07-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Thursday XX/XX/2023 someone hacked my Wells Fargo account and did 3 unauthorized transactions XXXX XXXX and another XXXX charge my account is in negative now and all my bills have overdrafts my account. I called Wells Fargo immediately and told them to dispute fraud. Nothing has changed. I'm going to accumulate so many charges because of this and I don't know who transfered money out of my account for those large amounts you can even look at my transaction history and see that I have never did that big of transactions back to back before and never submitted a fraud claim to Wells Fargo before either. This is crazy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX I received a text from Wells Fargo claiming a potential fraud activity was happening through XXXX. I would be contacted by Wells Fargo. I received a phone call from the Wells Fargo number. While on the phone they asked to verify my XXXX by transferring money to a suspervisor. They walked me through the steps as if they were actual well Fargo customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 571XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a XXXX Credit Card in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They told me they would investigate and I would hear back in XXXX days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and used, leaving a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case and that I would receive a call from her supervisor in 48 hours, I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a phone number but I was told by a representative that the phone number given was XXXX ( which is one digit off from my number ). The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I reported the identity theft to the police on XX/XX/XXXX and immediately mailed the report, copy of my credit report, identification, and a copy of CFPBs Notice to Furnishers of Information to Wells Fargo. On XX/XX/XXXX, I received another copy of the application and information on the transactions. The XXXX card was used in XXXX XXXXXXXX XXXX transactions on XX/XX/2023. Each transaction was for {$2600.00} and was paid towards rent at a XXXX property. Wells Fargo states again that they conducted a reasonable investigation and the evidence showed that I received and activated the credit card. Upon further research, I found that XXXX properties have different properties across the United States and they take the XXXXXXXX XXXX credit card. After investigating on my own I have found that the card was used to pay rent at a XXXX property in XXXX, TX. The address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. On XX/XX/XXXX, I was notified by an executive that the fraud department concluded their investigation for the second time and still found that there was not fraud but it was me who opened the credit card account. That same day I sent copies of my passport, social security number, bank statement, past addresses, emails from XXXX Police and XXXX XXXX XXXX XXXX XXXX, and police reports via certified mail. I called again on XX/XX/XXXX to ensure that the case was reopened and no one at the fraud department could give me any more information. I was told that it would take another 45 days to " investigate ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XXXX of XXXX, I have a retail loan through Wells Fargo for a hot water heater through XXXX XXXX. The deal is 61 months no interest with a minimum payment. Upon starting the process in XXXX, the monthly amount was {$85.00}. There were significant issues last month with an erroneous payment and since then they have done nothing right. This month, I go to pay my loan and the minimum payment is now {$120.00} with no reason given and no warning and no documentation as to why the change. I've always paid more than the minimum for this loan and I am ahead on payments. There is no reason for this. They have breached the original agreement on this loan. I asked that they fix it and they never got back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 035XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged XXXX dollars a month totaling XXXX XXXXXXXX XXXX XXXX XXXX for not having a XXXX XXXX dollar monthly balance in the personal and business accounts due to me not being able to work after an automobile accident
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: they said they will call me back and never did. see complaint exhibits for dates and more info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am here to figure what I could do to repay my debt from Wells FragoXXXX XXXX XXXX XXXX XXXX XXXX My checkings account was open many years ago by father who I no longer talk to, I didnt receive any information about my account being close due to my old email being hacked/used by another individual so I switched to my a new one during the time period. I want resolve this issue as soon as possible because it is affecting me negatively. I could not pay the full amount due to being laid off and other court issue I had to pay. But Im willing to setup a payment plan so I could remove any debt to my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted complaints through the consumer finance portal, you reached out to wells fargo, asked for my response, and closed the complaint. No investigation, no research, and no follow up. You reached out to Wells Fargo just as I did and they proceeded to lie and ignore the concerns as they have done with me. As a consumer protection agency, aren't you supposed to investigate??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: WELLS FARGO is responsible for incorrect billing and/or accounting errors. I tendered full payments for the mentioned accounts ( please see attached documents ), but the amounts were encoded incorrectly. Please correct this information immediately. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX under my name and different social fraudulently I have reached out to XXXX as well as debtors both have not corrected this fraudulent information for account XXXX XXXX that begins or ends with XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A