Date Received: 2023-07-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I submitted a cheque in my Wells Fargo account and they made the funds available for me after a day. I used the funds and then they said that the cheque didnt have the funds. So they took out the money from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93117
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX & XX/XX/XXXX, two different unauthorized transactions ( {$1500.00} each ) amounting to {$3000.00} was sent out of my Wells Fargo saving account via XXXX without my authorization. Due to the fact Wells Fargo is not my primary bank, I did not notice these transactions until XX/XX/2023, I immediately called Wells Fargo and filed a dispute ( Case number XXXX ). I was told that the investigation may take until XXXX business days for a resolution, and Well 's Fargo instructed me to change my username/password for security purposes. Today, XX/XX/2023, I received an update from an supervisor that my case has been denied. I was very shocked, as without doubt I did NOT make or authorize these transactions. I went straight into the branch and the branch manager filed an " Escalation complaint '', the complaint number provided is XXXX. I was told it would be assigned to a member of the executive office within XXXX business days. Well 's Fargo does not understand or seem to care that this money is my livelihood and savings, and they do not seem to be taking it serious. Within XXXX hours they had a decision, when I was told it takes XXXX business days, they clearly rushed the investigation and didn't do proper due diligence. I attempted to reach out to Wells Fargo at XXXX PM and spoke to XXXX XXXX - Customer Advocac. I have filed a police incident number and that is XXXX, XXXX XXXX Police department and I have also filed a fraud alert with XXXX XXXX XXXX ( mobile provider ) because the fraudulent person may have gotten access to my credentials some way or another, both are attached below. I am demanding full credit of {$3000.00} back to my account and for the person who did this to be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off a trailer and after multiple phone calls and promises of lien being expedited nothing has been done. Wells Fargo is in violation of XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo allowed a charge {$74.00}, from something listed as XXXX * Newspaper, to be paid. It was an unauthorized charge. Further investigation, ok we XXXX the payee, shows that this particular charge is a well-known fraud issue going back years. Even if I have been a victim of identity theft and the criminals presented the appropriate credentials, Wells Fargo should know -- or should have known -- that this charge is behind a fraud. Check it out : XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$130.00} XX/XX/2023 {$130.00} XX/XX/2023 {$170.00} XX/XX/2023 {$170.00} XX/XX/2023 {$23.00} XX/XX/2023 {$23.00} XX/XX/2023 I called Wells Fargo immediately to verify I did not make these charges. XX/XX/2023 Wells Fargo opened a fraud case. XX/XX/2023 called an inquired about the extra charges. XX/XX/2023 Wells Fargo denied my claim. XX/XX/2023 called again asking for help when I received the denial letter XX/XX/2023 Wells Fargo opened a claim XX/XX/2023 Wells Fargo denied my claim XX/XX/2023 called again asking for help after receiving the denial letter. XX/XX/2023 Wells Fargo has opened the claim again. Stated I should have filed a police report. I've never dealt with fraud before, why wasn't that disclosed on XX/XX/2023 when I called??? Filing police report XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We had a very tight close on our mortgage for our XXXX property ( XXXX XXXX ). Wells Fargo stated they would help expedite our requested close date and came close to meeting that date although I had to have multiple escalations to stay on track. During this time, they never communicated that there would be an escrow account for 2 years when they quoted the interest rate of 7.375 %. Our loan to value is 25 % yet they are now indicating that there needs to be an escrow account for 2 years, and we earn 0 % interest on this. Our monthly escrow payment is XXXX, which could be earning over 4 % interest in a high yield savings account. This is a very deceptive practice. Wells has never requested an escrow account with our other mortgages. Our credit score is over 800. Our loan to value is 25 %. We are awaiting an update from Wells Fargo regarding this situation but the most important thing to take action on is how DECEPTIVE they are when quoting their rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was given a check from XXXX XXXX for lost baggage, and I deposited the check at Wells Fargo on the XXXX through a teller. Immediately, the first thing asked was do I work for that company, which seemed off nevertheless I continued to deposit my check and then was told their would be a hold on the funds for a day. On the XXXX {$220.00} was made available and then by the end of the day the money Wells Fargo was made available was then taken out of my account and my check was placed on a further hold now till XX/XX/XXXX. I receive a regular direct deposit from my job as a XXXX twice a month that is deposited into my Wells Fargo checking account. I have been with Wells Fargo since XXXX with consistent legit deposits. There is no reason why when I deposit a paper check that I received from an airline company for a claim, it takes this long or I am treated with such prejudice. For the employee to ask me where I work before she proceeded to deposit my check and then for my now to be held for 10 days is outrageous and clearly shows bias and some sort of discrimination. Please assist me in this matter as now Wells Fargo has placed me {$210.00} in the negative because they have taken back the {$220.00} dollars they first made available from the check of XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 transunion under my name and different social fraudulently I have reached out to transunion as well as debtors both have not corrected this fraudulent information for account WF/Bobs discount 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: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No late payments- thats an error
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A