Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: onXX/XX/2023 consumer stated that mortgage with Wells Fargo home mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which Wells Fargo no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/2023. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for theXX/XX/2023reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/2023. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. as ofXX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I hope this letter finds you well. I am writing to express my deep concern and frustration regarding unauthorized charges made on my WELLS FARGO BANK debit card. Despite my efforts to resolve this issue with your bank, I have received no satisfactory resolution, and I am now facing significant financial & health consequences that could have a devastating impact on my business. On [ XX/XX/2023 ], I discovered several transactions on my WELLS FARGO BANK statement that are not authorized by me. The charges were made without my consent and are in clear violation of my rights as an account holder. Immediately upon noticing these unauthorized charges, I contacted your customer service department to report the issue and request assistance in rectifying the situation. During my conversations with your representatives, I provided detailed information regarding the unauthorized charges and explained the urgency of the matter. However, to my dismay, I received little empathy or concern for the financial distress this incident has caused me. Despite the overwhelming evidence of fraudulent activity, WELLS FARGO BANK has failed to take appropriate action to investigate and reverse these charges promptly. Regrettably, due to the funds drained from my account without authorization, I am now unable to fulfill my health obligations, specifically filling my XXXX medication prescription. My medicine serves as a vital component of my life. The inability to meet my rental obligations will undoubtedly result in the loss of my office space, jeopardizing my client relationships, and tarnishing the reputation I have worked so hard to build. As a dedicated customer who has trusted WELLS FARGO BANK with my financial needs for several years, I expected a higher level of service and urgency in addressing this matter. I kindly request that you take immediate action to investigate the unauthorized charges, refund the full amount to my account, and reinstate my confidence in the security of my funds. Furthermore, I implore you to provide me with a detailed explanation of the steps being taken to prevent similar incidents from occurring in the future. As a consumer it is essential for me to feel secure in my banking relationship and confident that my financial interests are protected. I anticipate your prompt attention to this matter and a resolution that addresses the financial damages I have incurred and health damages I could potentially face. Please understand that the consequences of this unauthorized activity extend far beyond a simple inconvenience and have the potential to irreparably harm my business and professional reputation. Thank you for your immediate attention to this urgent matter. I look forward to your swift response and a satisfactory resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I believe my car loan falls under the Wells Fargo settlement. They have continuously denied I even had an account with them. However I have the proof which I have submitted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discovered that Wells Fargo opened a credit card in my name, which I did NOT APPLY for - someone applied fraudulently in my name. I also found that Wells Fargo did NOT even pull a credit report, which would have alerted me even sooner. How can a bank issue a credit card without a credit inquiry??? Below is the history to-date ( XX/XX/XXXX ). XX/XX/XXXX : Received email from Well Fargo ( WF ) informing me of email address change, and to notify them if I did not ask for it. XX/XX/XXXX : I did not ask for any email address change, so my wife called WF and spoke to the XXXX XXXX. After I confirmed with them that I was indeed XXXX XXXX and did NOT OPEN the XXXX account. We were told the account was closed and could not be used. They would not provide me with the full XXXX XXXX number, and still have not as of today. XX/XX/XXXX : I received a call from WF asking to confirm that situation. That is, I am XXXX XXXX and I did NOT open a WF credit card. I did so. XX/XX/XXXX : I called WF and was connected to the Credit Card Fraudulent Application area. I spoke with XXXX, who also confirmed with me that the CC account was closed. I told her I had pulled my credit reports frm the 3 bureaus, and none of them showed an inquiry from Wells Fargo, so I asked her how WF issued a credit card without an inquity? She said she had no info on that. She also informed me that the application that was made contained all my personal information, phone number, etc. She said I could write to WF and obtain a copy of the application. She told me to include the application number : XXXX. I sent a letter on that day requesting same. XX/XX/XXXX : I received an email from WF thanking me for contacting them regarding my complaint. It referenced XXXX ending in XXXX. It also included XXXX # XXXX. XX/XX/XXXX : I called WF upon receiving the email at the number listed : XXXX, and spoke with XXXX. He said I should hear from WF shortly re internal investigation. XX/XX/XXXX : I pulled our XXXX credit report. It lists WF credit card account in question as OPEN reported by WF on XX/XX/XXXX to the credit union. This is 2 days AFTER WF told me the XXXX was closed. XX/XX/XXXX : Called XXXX at XXXX, and spoke to XXXX. She said that XXXX was handling my case, and she would ask him to call me. Called again and spoke to XXXX at XXXX. She said she would have XXXX 's boss call me. XX/XX/XXXX : This am at XXXX I got an email from WF stating WF has updated my contact information for XXXX XXXX in XXXX to be our address of XXXX XXXX XXXX. As of today, XX/XX/XXXX, NO ONE from WF has called me to explain to me how this happened and to provide me with written proof that the fraudulent WF XXXX XXXX has been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I woke up to find that money was moved between my checking and savings account on my Wells Fargo account. The fraudster attempted to transfer all money to XXXX account and XXXX it to themselves. The first attempt was a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00}. It was unsuccessful. The second attempt was also a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00} and was successful. This occurred around XXXX according to transaction and email timestamps. As soon as I woke up and saw this activity on my account, I called Wells Fargo customer service. The representative closed my account and transferred to a new account so that no further activity would happen on those accounts and I changed my username and password. Because it was a Saturday, the representative told me to call back Monday to be transferred to the Online Fraud department which is only open on weekdays. When I called them on Monday, the representative asked me questions that would help with the investigation and that it would take 10 business days. I assured them that I did not make nor authorize these transactions. I then received a letter in the mail on XX/XX/XXXX stating that my investigation was closed and they did not find any evidence of fraud. I called on XXXX to dispute the investigation and I was told that once an investigation is closed, it's closed and I can not dispute. I don't understand how they can not offer me the opportunity to dispute when it very clearly was an unauthorized transaction! I also don't understand how they couldn't stop the transaction from going through when it still showed as pending in my account when I called on XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/26 I have accidentally transferred XXXX USD to XXXX XXXX XXXX from XXXX XXXX XXXX to his Wells Fargo bank account, on the same day XXXX XXXX XXXX initiated a wire transfer recall but Wells Fargo bank is unable to contact XXXX XXXX and the request to recall is still in progress for last 15 days. I have contacted XXXX Offices Of XXXX XXXX to seek a legal help. Attorney tried to contact XXXX several times but XXXX is not responding to any calls. I spoke to XXXX one time and explained what happened and he told me to to get back to me. Attorney prepared a demand letter and sent to his email id XXXX and also sent the same to his residential address and to his phone but no response yet. I really need your help to locate XXXX and see if we can contact him, explain him and see if he can work with bank to reverse the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with customer service
Subissue:
Consumer Complaint: I received a letter from Wells Fargo stating that they had issued me a cashiers check many years back and it had not been cashed. The amount was {$52.00}. The letter clearly stated I should take the letter to the local branch to claim the funds. I did. The XXXX local branch ( XXXX XXXX in XXXX NC ) told me there was nothing they could do for me and I should contact Wells Fargo corporate office. I didnt like this as I would lose track of the transaction and it is timely. I have until XX/XX/19 or the funds will be forfeited to the state. I went to a second branch and they again didnt want to honor the letter but they reluctantly agreed to make an appointment the following day. This occurred on XX/XX/XXXX. I reluctantly agreed to the appointment as my costs had already exceeded the value of the debt. I showed up at the appropriate time and they were not happy to see me. They did NOT want to do this. I waited in their office while their banker made a lot of phone calls. After XXXX minutes the banker presented me with a document to cancel the original check. I questioned the document and asked that am I forced to sign the document in order to get my {$50.00}. The banker took offense at this and stormed off taking the form. I left after telling the office manager that I felt that I was being put off in an effort to avoid paying the {$50.00}. The second branch was the XXXX NC on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28081
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: One unauthorized transaction of {$500.00} and another unauthorized transaction of {$300.00} from Unknown XXXX user on XX/XX/2023 from Wells Fargo account both unauthorized transactions. I filed a fraud claim for unauthorized transactions to Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Back in XXXX my late wife and myself started the process of trying to sell our house at XXXX XXXX XXXX XXXX, XXXX WA XXXX ( owned XX/XX/XXXX through XX/XX/XXXX ). After a few months it was clear the only way the house would sell was with a short sale. We were told to " keep making your mortgage and 2nd mortgage payments because it will look better to Wells Fargo '' by a misinformed real estate agent and a Wells Fargo employee. As we were having an agent continuously submit multiple offers on the house to Wells Fargo for the next 9 months, they continued to deny any consideration of offer for a short sale- as we found out by XXXX of XXXX ( almost a year after first starting the process ). I was told by an employee of Wells Fargo when I called to find out why another offer had been declined. They said " As long as you keep making payments we have no inclination to accept any short sale offers ''. It was at this point that I reached out to my Congressman ( XXXX XXXX of Washington XXXX ) and his team found out that Wells Fargo had not been working in our interest to resolve our short sale as required by the conditions the government set out for the bank bail our in the previous years when the economy crashed ). We paid those mortgages for over XXXX months through that process ( and the whole 8 year time frame of ownership with NEVER missing a payment or late until all this ) - all the while Wells Fargo was not working in our best interest - and only AFTER our congressman started looking into did Wells Fargo finally accept an offer - once they realized they were now having to answer to the government for their actions. This was all post-bank-bail-out. The reason I am submitting this complaint is to see if I am entitled to remediation for what we went through ( myself and my now-deceased wife ) because Wells Fargo did not work in our best interest - taking a toll on both mine and my late wife 's health and dragging the process out until our congressman looked into it. Wells Fargo even admitted to us they had no intention of helping up work out a solution UNTIL the government got involved. Please let me know. I appreciate you time regarding this process. Thank you. Please note all documents have addresses now out of date for myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hello, I have been a customer of WF Bank for decades. With CD interest rates being higher, I had to go in person to get their new rate or it would renew at THE VERY low rate of previous years. I tried going in and each time there were 15 to 20 people in line. XXXX XXXX XXXX Locations. Each branch manager confirmed they are EXTREMELY short staffed and I would have to wait ( this was also confirmed to their corporate office ). I finally called customer service to make an appt and the soonest available appt was about 30 mins away from my house and 12 hours after my window to renew was closed. There was NO appt available in my area of wells fargo within that week that I am allowed to make the changes to my CD. When I arrived at the bank, though I had an appt, there was still no one to help me. They pulled a gentleman from small business banking to help me and he was as confused as I was. He confirmed that they have been short staffed and don't have staff to help customers. They closed my account and charged me {$170.00} penalty. I was penalized because they don't have enough staff to help their customers. They gave me a week window to do this task, but didn't have any appts for their staff and their lines ( admitted themselves ) are obscene. So they are both saving money on not paying staff/overhead to run a bank, and charge customers a fee for being 12 hours late. I have been a customer for decades and NOT once have I asked them to reverse fees for anything. NEVER. I have always kept my bank accounts in clean state and didn't need overdraft fee reversals or anything else. They one time I needed them to reverse a fee, they didn't. To make matters worse, I only needed them to reverse this fee because they are properly staffed to take care of customers. It is disingenuous of wells fargo to ask me to jump thru a hoop only for ONE week and than not have enough staff to physically hold said hoop. How can i jump thru a hoop they don't have enough staff to hold up? That is where I am. Being penalized financially while they make money off me, while also saving money by not paying salaries to hire employees. Please help me get my {$170.00} penalty back because it is unfair for them to penalize me for something I couldn't do during their window. I tried reaching out to their social media team, and after a week they responded. They admitted that they are short staffed and the managers of branch had confirmed they are trying to hire and train staff. At first the social media response team gentleman suggested I should have gone outside my zip code. When i pointed out that I DID DO SO, and he compared the zip code of the bank I visited v. home zip code, he said the whole region is short staffed because salaries are high and training takes a while. Why am I paying a penalty for their training take a while? Please help. My finances as a single parent are hard enough, I don't have extra money to give to Wells Fargo because Wells Fargo failed to hire staff and train them. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A