Date Received: 2023-07-17
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: A domestic transfer of {$5000.00} was initiated on XXXX XX/XX/XXXX from XXXX XXXX XXXX account to my Wells Fargo ( WF ) checking account. The funds cleared XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at WF. I called WF XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided WF verbal approval to cancel the transaction. By Monday, XX/XX/XXXX the funds had not arrived back at XXXX XXXX. I called XXXX XXXX- they had no record of any pending transaction. I called WF shortly thereafter. WF saw the transaction was cancelled, but couldn't tell me where the money was. WF refused to provide me a 15 digit trace number stating " that is not WF policy. '' They refused to provide me a timeline, or acknowledge the severity of the issue. They could not locate the funds, and claimed the transaction was cancelled XXXX - this is a lie, and we have phone records to prove it. The WF rep claimed a claim was generated, but I do not believe this has actually taken place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: As the CFPB does not handle individual accounts, this is about XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that were XXXX XXXX pooled, and all assigned over to Wells Fargo Bank starting on or about XX/XX/XXXX, for most 99 % of the loans through XX/XX/XXXX by XXXX to Wells without any sale of the mortgage loan debts as XXXX was seizing the portfolio due to XXXX financial difficulties. The remaining mortgage loans that had not been assigned before the FDIC declared XXXX a " failed bank '' on XX/XX/XXXX, were illegally assigned to Wells by the FDIC and XXXX who ROBO signed these assignments. XXXX had a duty to seized the portfolio which it renamed the pools from XXXX to Wells issuer number as if Wells purchase the mortgage loans that made up the XXXX. Wells did not purchase the investor loans that were almost equal to the value of the mortgage loans that XXXX received from the investors who were insured by XXXX up to 100 % of their initial investment, but had no way to force the repayment of the loans XXXX was committed too, but seized the pool in a remote bankruptcy procedure to prevent the court from taking possession of the blank endorsed mortgage Notes that XXXX would have had on hand as the servicer and custodian of records, which XXXX XXXX has no proof of purchasing the loans as it is prohibited by US Congress to buy or sell a mortgage loan. As the Notes are required to be process under the UCC3 procedure and the loan are endorsed in blank as required by XXXX a procedure Wells has done on each of its millions of Fed Gov backed mortgage loans that they have pooled, in which XXXX is not the owner of any of these loans. However, that the Notes do belong to XXXX without owning the debt and as XXXX is not a lender and does not originate any mortgage loans, it is not listed anywhere on the Note and for a fact does not purchase the loans, there must be the UCC9 procedure conducted where XXXX would have to provide proof of purchase. XXXX illegally bypassed this requirement when Wells was illegally address in the Assignment of Deed of Trust as holder of the Note ( not holder of Notes as the custodian ) as a law firm is not listed as a part in the matter as defendant or plaintiff, Wells can not step in the shoes on the assignments for some debt holder, plus it is a fact that XXXX is the debt holder for the mortgage loans. At no point does XXXX provide XXXX XXXX with any documentation of the fact they own blank endorsed Note which prevent XXXX from acting on the loans. XXXX assign the XXXX XXXX mortgage in exchange for the loan debt it owned to the investors that it was already using the mortgage loan principal and interest payment to make the payments to the investors in the passthrough process. The homeowners payment is credited by the debtholder and the monies are passed through, however, as XXXX stopped exist they can not credit the borrowers for a payment and that monies is not credited back from the investors who have collected that monies for repayment of the loans they made to XXXX. The Math does not add up and does not add up in the foreclosure process or any payoff for any reason as the mortgage loan borrowers don't have a debt owned to them by the homeowners! These investors loans are required under XXXX regulation to be paid back before the mortgage loan is released from the XXXX pooling, but in the case of these XXXX loans after XX/XX/XXXX, XXXX does not exist and don't have the monies to pay the investors on the way to losing {$300.00} XXXX, so Wells who not been lent monies under terms of the investor loans, does not purchase those loans with no return, and is why these loans were not purchase before there was action on the loans as in a foreclosure, because those funds went to XXXX to payoff the investors loans out of foreclosure proceeds and mortgage insurance claims leaving no monies in the mortgage servicing account to pay off any mortgage loan debt, but there actual is no debt to pay and this is part of XXXXXXXX XXXX {$300.00} XXXX losses and windfall for the XXXX XXXX homeowners. This is the same as the recent confession by Wells to illegally foreclosing those who filed for bankruptcy, as the bankruptcy court had no clue what was going on from XXXX to XXXX when Wells confess because somebody figured out the scheme and was close to proving the misconduct but short of the Dept of VA loan abuse of Dept of VA borrowers that were as many as XXXX victims. But Wells involved itself with XXXX to defraud the Dept of VA, FHA and those homeowner out of monies XXXX was not owed by these entities. Following the monies from the Wells Fargo Customer Account Activity Statement shows not purchase of the loans by anyone and shows the proceeds of the foreclosure sales and insurance claim went to XXXX which they admit, while not leaving monies to payout the allege debt from the mortgage loan!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I made 2 XXXX XXXX transactions, realized they were a scam before the transaction went through, the money hadnt been deducted from my account when I reported it, the first person I spoke to at Wells Fargo told me she recommended to not stop payment but to open a claim and everything would be fine Wells Fargo denied my claim and now said I cant appeal the decision, I told them had they stopped the transaction before it went through we wouldnt be in this situation, now Im out {$260.00} and Wells Fargo is saying I have no options and it was a done deal, Im just going to have to take a loss, they also told me today that they actually never had the option to stop payment, then why did the first employee tell me different? She couldnt answer that question today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2023 I deposited a mobile check using the Wells Fargo app for the amount of {$1400.00}. I then on XX/XX/2023, in error, accidentally deposited it at XXXX. XXXX. I get I messed that up and that's my fault. The double deposit cause XXXX. XXXX to not cash the check and it was never credited to my XXXX XXXX account. Wells Fargo also pulled the funds and opened an investigation case # XXXX. After several days they indicated that they had the funds and would return the funds to the originating account and that I should reach out to the issuer. The issuer is my employer, XXXX XXXX XXXX and they are also a Wells Fargo client XXXX They have confirmed that Wells Fargo has not returned the funds to their account. I have called Wells Fargo several times and have gone in person several times to my local branch. My local banker, XXXX XXXX XXXX, has confirmed that XXXX has not had the funds returned, and had to spend several hours on the phone trying to get help. She was unable to and just went in circles with their phone help desk. The bank XXXX, XXXX XXXX XXXX, became frustrated with the telephone support and suggested they, the XXXX employee, file an escalated complaint. They did this on XX/XX/XXXX and I have not gotten anywhere. Compliant ID is XXXX. I am looking for help in some shape or form to get the money returned to my employer or to have it deposited back in my account. It's not a small amount of money and it's impacting my financially. I don't know what else to do. Any help or support is greatly appreciated.
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: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I previously submittted COMPLAINT XXXX. It was particially resolved and I see that it has been cancelled when there is still {$7800.00} still remaining from three unathorized ACH transactions from Wells Fargo to pay credit cards of an unknown party named XXXX XXXX XXXX XXXX XXXX. Wells Fargo had previously closed this case # XXXX how CFPB was able to get a partial refund of {$9000.00}. Thank you for your making this happen. The Enterprise Complaints Management Office of Wells Fargo contacted me via letter regarding CFPB 's inquiry to my first complaint. They gave a name of a person to call and a phone number. I left two messages to talk with the bank to get the remaining stolen funds reimbursted but I have not gotten a call back. I have had several non responsces for Wells and would like your help to make sure they are not ignoring this matter. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I contacted an offer found on a housing swap on XXXX. The police said they did not have prior issues with this housing page. I responded to an offer to rent a unit near XXXX Colorado. The name on the listing to contact was XXXX XXXX. She advertised the room as near a bus stop, pet friendly, and the deposit was the same as one months rent. She sent me a rental application on XX/XX/2021 She then said her lawyer approved my application on XXXX21. I went to the unit after my bank wired her thr money to a bank in XXXX XXXX Texas near XXXX. The owners of the property were home and said the unit was not for rent. They let me sit inside their home and call my bank to refund the money. I didn't recieve assistance that day so I went in person to a branch in XXXX. They took my story down after I filed a police report with the XXXX police. The bank representaive told me this happens sometimes but I was likely to get back 100 % of the deposit. She said if not I guarantee 80 % back in two weeks. That felt like a relief to hear. I called them two weeks later and the same rep talked to me. She said they could not send the funds back because her bank said no. The rep told me I should contact that bank and see if I get different results. I said they were a company worth multi millions of dollars. If the bank did not listen to Wells Fargo why would they listen to me. The rep said there was nothing she could do and no money would be returned to my account. I filed that report with their fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: 2 months ago I had my card stolen and reported it, and when XXXX tried to activate a virtual card for my digi wallet he froze my acount for 3 days, 3 days I did not eat, so i told them to close mky acount, didnt happen, ..Last week I called wells fargo, XX/XX/2023 XXXX told them to close my account as soon as the balance was XXXX to not honor auto pays because im tired of all the XXXX dollar over drafts that they strategicly slip in there, they have not done so, just got another overdraft, please help,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I just want to explain something to Wells Fargo I am not trying to money grub the company I find it very frustrating that they do t see the whole picture and when I took them to court I thought {$150000.00} was too much and here I am now to explain why I did that I didnt want that kind of money I was trying to get my point across and because of how they handled the situation i was upset I thought of only {$10000.00} in compensation and damages towards my XXXX it was handled improperly and Im hoping for a resolution for this matter Im hoping to receive a check for up to {$10000.00} that be very nice and accomodating for this matter and I want to appologize for scaring Wells Fargo with that crazy number I think {$10000.00} would be feasible for this matter now that this federal court is dismissed we can work out a deal with Wells Fargo and take care of this hoping to get up to or around {$10000.00} in compensation thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' WELLS FARGO DLR SVC/ Reported : XXXX. XXXX, XXXX - {$47000.00} Closed Overview You have 100 % left to pay on this loan. Balance {$47000.00} Highest Balance No Info Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 1 yr, 7 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. Remarks Charged off account Times 30/60/90 days late 2/1/1 Closed No Info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Re : {$2700.00} dated : XX/XX/XXXX and XX/XX/XXXX To Whom It XXXX Concern : On XX/XX/XXXX and XX/XX/XXXX, someone gained access to my accounts through Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As a result, fraudulent charges for {$2700.00} were debited from my bank accounts. As I have my debit card and have never authorized that payment, I believe that my banking mobile app was hacked, and passwords stolen. In the amounts listed below. XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX to XXXX on XX/XX/XXXX XXXX : XXXX XXXX I believe this to be true because my XXXX XXXX was compromised in XXXX. When I contacted wells fargo bank at that time they ran an investigation and it was said to be true. Since that incident, I deleted XXXX XXXX and believed my concerns had been resolved. Unfortunately, now the issue has arisen with XXXX. As a XXXX I have found that my clients prefer using digital money as form to make payments. In light of recent events, I have decided to remove all online banking apps containing money. I informed the bank wells fargo on the day of the theft. They have failed to reimburse me or try to understand that I did not authorize these charges. I contacted XXXX and they referred me back to my bank because it was through the mobile app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A