Date Received: 2023-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: in 2021 irs sent a direct deposit to wells fargo bank where it was deposited XXXX XXXX XXXX has never had an account with wells fargo before. the amount was XXXX .irs send to the bank for the return of the money because was not in my account now wells fargo refuse to give an answer about the return of such money been two years I have been back and forward through them both with the run around I am just lost with what to do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I reported a charge of {$430.00} on XX/XX/23 they refunded my money of the {$1600.00} after they found out that I reported them to you. But they still havent refunded the other fraud on my account which is past 10 days. I had a Wells Fargo includ you call me back and oddly enough gives me her contact number. And oddly enough isnt XXXX which is a North Carolina number XXXX sorry why would Wells Fargo call me from North Carolina when Ive been dealing with this in New Jersey?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I got incarcerated XX/XX/XXXX and I didn't get released until XX/XX/XXXX someone took over my identity and cleaned out my bank account and deposited to life insurance checks from New York XXXX fraudulently each check was for XXXX I had money in my bank account and when I got out my bank account was closed I argued with the bank tell him that there was fraudulent activity on my account and they decided to say there was no fraudulent activity and they didn't want to investigate it I told him I had been incarcerated for XXXX and a half years and that I didn't cash the checks and I didn't take the money out of the bank I don't know who did or who would all I want is to get my money back that was taken but they're giving me trouble so I want to file a complaint against him Wells Fargo Bank I'll talk to him a XXXX times I send them all the police reports I sent him all the information that they needed stating that there's fraudulent activity going on and I can't get nowhere with him the bank told me that New York XXXX XXXX responsible for the checks but I don't know who is all I know is I like to have my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I wanted to use cash advance and before I did a cash advance I reached out to wells Fargo to make sure I was not going to get charged interest on this transaction and the rep told me that I would only get charged a one time interest on the transaction but instead Im being charged every month Interest around {$62.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wells Fargo utilized personal factors ( discriminated because of identity & last name tied to information from 10 years ago ) but company claims it couldn't verify my identity & " decided that they wouldn't allow me to open an account '' both in XXXX, XXXX XXXX & XXXX respectively
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After being activated with the Florida XXXX XXXX XXXX in response to the COVID-19 pandemic I saw a 50 % decrease in income while also going through a divorce. I filed for relief under the CARES ACT. - On XX/XX/XXXX, I signed the enclosed modification agreement for a partial claim with the VA. Payments were due to resume the following month, on XX/XX/XXXX. This is the second time modification paperwork was filed ; the first dates to XXXX of the previous year. The first modification did not get approved by the VA because Wells Fargo had the wrong address, but still recorded it with the county. Through several calls and hours of personal time taken to call Wells Fargo asking if/when it was safe to resume payments, I contacted the VA to gather additional information. This is where I learned that the original XXXX paperwork still needs to be filed with the state, never approved/signed off by the VA. Our house had gone up for sale as my soon-to-be ex and I agreed to sell the home tied to this loan as part of our divorce process. The house sold and was closed on quickly ( XX/XX/XXXX ), On XX/XX/XXXX, the enclosed payoff letter was obtained through Wells Fargo. The mortgage portion of the payoff due to Wells Fargo was {$250000.00}. That, plus the amount due to pay off the VA partial claim, totaled {$260000.00} to pay off all liens on the property. The closing took place on XX/XX/XXXX. The total payoff was wired to Wells Fargo on XX/XX/XXXX, and the loan reflected as PAID IN FULL. All of this leads to the reason for the complaint. I went under contract to purchase a new home. I had obtained pre-approval before the account was reported as paid to the credit bureaus. My loan officer told me that once Wells Fargo zeroed out with the bureaus, shed update the credit to reflect the account being paid in full. On XX/XX/XXXX, my credit was updated, and the mortgage with Wells Fargo showed a late marker that varied with each bureau. XXXX reported the MOP code XXXX, 180 days or more past due for XXXX. XXXX reported the MOP code XXXX, account is at least 120 days overdue but is not yet rated XXXX. XXXX reported the MOP code XXXX, 120 days or more past the due date. This has now disqualified me from my mortgage and jeopardized my deposit. The VA partial claim information on the VAs website said that the partial claim has no impact on my credit. XXXX XXXX XXXX the wrong address on the first Modification paperwork, but still recorded the lien on behalf of the VA XXXX without the approval of the VA XXXX XXXX XXXX XXXX not remove the erroneous lien after discovering the error. They have now, but after countless hours and calls from me. XXXX XXXX XXXX XXXX & XX/XX/XXXX late when the home closed on XX/XX/XXXX, and were paid in full XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I deposit a couple of checks through my app and lately through an ATM because the amount of the check. The initial disclosure date of the check supposed to be 24 hours after the deposit and the rest of the fund 5 days after that. Then, they change the available funds date to 7 days after the deposit and said the reason was my mortgage company. I called them, and they said that the funds are there and available for cashing. I dont understand where is the actual reason but misleading information is frustrating. This funds are for house repair and my mortgage company understands the priority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 1 ) My check of Wells Fargo bank was stolen and altered payee and cashed at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. per police and FBI report. At XXXX XXXX branch manager XXXX XXXX and Claim dept XXXX both are waiting WF bank contact to negotiate my loss of {$30000.00} dd XX/XX/22. After my repeated claims of numerous times since XXXXnow WF bank all they did was sending a letter to deny of 30days wasn't met per deposit agreement which I was not aware and not received when i opened an account. I got one 13 yrs ago for original account was opened with 60days clause after statement was received. 2 ) Bank stopped sending my paper statements 2 yrs ago and I repeated claimed at the branch many times which some of tellers and officer recognized. I also called several times to claim at customer service and all told me my account is online and paper statement. I don't do online I am over XXXX XXXX old and very scared and poor with online. To get paper statement is my right and without it I couldn't discover the unauthorized transaction. No one else touch my account except me and I live very safe area with same address 20 yrs. I am home most of times with mail arrive. Customer service told me there are lots of complain for the missing paper statement like me.They also said WF bank recommend to customer to use online but I like only paper statement repeatly claimed. 3 ) Bank denies to help me at the branch and claim/Executive office both just turned me down with the same 30days clause. 4 ) Without any calls/text/emails for unusual transaction of large amount was very bad service. My checks only 3 and 2 others were only {$120.00} & XXXX XXXX this is my pattern. 5 ) WF XXXX XXXX br teller told me the check was clear and not to worry on XXXX XXXX This leaded to make me believe the check was paid no problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A