Date Received: 2023-07-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I deposited a check in my name for {$1200.00} to Wells Fargo on XX/XX/XXXX which I was given a {$400.00} advance on the deposit at the time. The check cleared yesterday XX/XX/XXXX but instead of putting money into my account, they removed the {$400.00} advance and placed that money on hold telling me to call XXXX XXXX which made the check. I called XXXX XXXX and they said the cleared and they cant do anything for me at Wells Fargo. Wells Fargo is telling me to wait until XX/XX/XXXX for the hold to be lifted to receive my money. Although they are technically continuing to process my check, they refuse to give me the {$400.00} advance nor call XXXX XXXX and get this issue fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a credit card through Wells Fargo at a 0 % interest rate for 12 months which I planned to use towards some repair work I needed done at my house. I was approved and sent the credit card along with two giant checks. The contractor did not have the means to accept a credit card but said he would take two checks for payment. I read the information regarding the the check usage and everything I read led me to believe that they could be used same as the credit card unless i used them as a balance transfer. I was not transferring any balances so I wrote the checks. A couple days later when I called the automated number to make sure the contractor cashed the checks, I was shocked that the balance was in fact {$380.00} more than I charged. I called the bank right away and they told me that the {$380.00} was a transaction charge for making a balance transfer! I told them that I did not make a balance transfer and that I would rather pay cash out of my savings than lose {$380.00}. They said they would escalate my concern and someone would get back to me. A person named XXXX sent me an email around 10 days later with more language about using the checks as a balance transfer. I tried to call her but she is never available. Ii called customer service back and asked if I could just pay the balance minus the fees before the statement came and they said no. I feel like I was duped and that my money was stolen from me. I never asked for checks in the first place and for the bank to send two GIANT checks with tiny print about " balance transfer ' language that nobody understands with the credit card that I did request feels like fraud. The bank sent me photos which I am enclosing which I actually read but it is and never was clear to me that the checks are considered " balance transfers '' regardless of what you use them for. In my mind I always thought a balance transfer was a transfer of monies from one account to another not a payment like a credit card or regular check. Please help put a stop to this unfair practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: We opened our account specifically with no overdraft protection. Wells Fargo has since charged, on multiple occasions, $ 1,000+ in overdraft fees for transactions they state, have allowed at their discretion even though overdraft protection is not active on the account. For the past six years we have fought this battle with them to no avail. Just in the last two weeks we have been charged {$1000.00} in overdraft fees for transactions we did not allow to post to our account. This has caused a tremendous financial hardship on our family with to the point where we now seek our meals from a local food bank this weekend. Wells Fargo has illegally taken our money and continues to hold it. We have been communicating with their executive offices where we are passed around to various voicemails with no return call back. They hide behind secure email to break the news that they have not ruled in our favor. It is important that a large multibillion dollar organization can not commit a crime then bully their customers to believe they have no rights in the situation. Now we are left explaining to our children why we cant buy food because Wells Fargo stolen our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am in checking account XXXX account Wells Fargo, when I was in XXXX XXXX to XXXX and I was charged numerous amounts of overdraft fees whatever my credit charge count checking account got below {$10.00}. I cant see what your overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 042XX
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: Banking errors
Consumer Complaint: I opened an account in XX/XX/2023, because I saw an ad for a {$320.00} checking bonus promotion with over {$1000.00} of direct deposits to the account. Within the month of XXXX, I posted {$1200.00} worth of direct deposit transactions to the account as evidenced by the XXXX statement. In XXXX, I called the local branch on XXXX in XXXX, AZ to see what was up with the bonus and they assured me that the transactions did in fact qualify and to wait to see the bonus. I called again to the branch in early XXXX and was told to wait until the end of the month to see the bonus post. At the end of XXXX, on XXXX I called the corporate support team and they said I didnt qualify- then I told them when the XXXX posted as well as correcting them about there being no minimum balance requirement attached to the offer code. I was then told that I should have received it and that they would file a non payment of bonus form on my behalf and it would take XXXX business days for a response. I called on XXXX to see what happened since it had been XXXX business days, and I was told to wait another day until today to get a response. I called today, XXXX, and was told that the form had been submitted but there was probably a backlog and to wait more. This is extremely frustrating and it seems all the cards are stacked against me here. I have proof I applied the offer code, proof I met the requirements per their system status as well as a branch representative confirming I met the requirement during the qualification period, and it has now been more than the highest end of time their support quoted to get a resolution and I am still being told to wait. I just want my {$320.00} bonus that I am owed. It has taken hours of time and I have gotten nowhere. I have been told by the highest level of phone support that they have no power to resolve this and must just wait for the form they submitted to make its way through the process- no way to credit my account, no way to contact the non payment of bonus team. This is unacceptable. Furthermore, I have seen many other people in similar situations as me online post about there being duplicate bonuses on their accounts, and others getting none. Any attempt to say my XXXX isn't XXXX is invalid as their system says it is a XXXX and many others with similar deposit methods received their bonus, and they should treat all customers equally although it appears not. Their systems and processes are clearly dysfunctional in this regard. All I am asking for is the bonus I am owed you would think with XXXX XXXX track record they would be better in this regard. Apparently not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85719
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: Delay in processing application
Consumer Complaint: I applied for a XXXX credit card thru Wells Fargo in XX/XX/2023. They have been giving me the run around. On XX/XX/XXXX they disapproved my application because my credit report is frozen, then I asked XXXX to unfreeze my report, then WF wrote that I have too many accounts with balances which is absolutely wrong, I pay my one credit card balance in full every month and asked them not to use their algorithm. On XX/XX/XXXX, I asked and emailed corporate to do a manual check on my finances and not to use an algorithm. Someone from corporate called me on XX/XX/XXXX that they will refer my info to underwriting, then they informed later to call underwriting dept. myself. Talked to XXXX in underwriting on XX/XX/XXXX and explained to him that I am retired, live in a XXXX with investments in a couple of investment firms, credit unions and have pensions, dividends, RMDs and live off from my investments as I need it. Then their last letter on XX/XX/2023 was " Identity can't be verified ''. I mailed them a copy of my passport and driver 's license, my cable bill, my rent bill, lease agreements, letter from a financial investment company the value of my assets. I also happen to be a XXXX, XXXX and XXXX American.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
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: Trouble during payment process
Subissue:
Consumer Complaint: Wells Fargos continued denial of wrongdoing is unacceptable! When its beneficial to Wells Fargo, the lack of records they dont have access to anymore, claims theres nothing they can do! I have the original Wells Fargo home mortgage statements late payment notices, foreclosure notices every month! All the payments I have attached and sent with this complaint, are the payments from the multiple monthly statements, the XXXX XXXX records, and every single payment written down, has the date, amount, and confirmation numbers with each payment. For Wells Fargo to insinuate they are forged, or whatever excuse is beyond ridiculous. They also have the audacity to say the payments reflected in our bank account XXXX, our bank must have charged a fee and that is why their payment amounts are not the same as our and our bank! Wells Fargo had no idea even in XXXX how much our actual payment was. XXXX had manipulated and defrauded our account. Wells Fargo just began making up numbers and lost payments. We have been assessed late fees from XXXX! On top of the bogus accidental death insurance, the other charges! And the numerous payments made in one month! The last foreclosure XX/XX/2014. As stated in a response about Account foreclosure actions! I have sent a letter from Wells Fargo, refusing our XXXX XXXX XXXX! Rhey couldnt accept the XXXX. Due to it not being enough???? Wells Fargo continues running a criminal enterprise! They continue to lie deny and produce fraudulent statements and documents! I have proven that they have and continue to lie and defraud us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
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: Banking errors
Consumer Complaint: I needed to get bank statements for proving Identity Theft/Fraud, after 6 attempts, in bank & mobile banking I received XXXX XXXX. I repeatedly asked why I couldn't have 7 years worth of statements & the lady said " I can not produce Statements for accounts that don't exist '' I've been a Wells Fargo customer since XXXX. I've had extreme complications with WF after my savings account dwindled. In XXXX I applied for a loan, was approved & it never happened. I had called the bank to find out if there was an e-deposit & she said no & then added that there was an e-ck for $ XXXX went into the bank to find out what was going on & ended up paying for that ck. It continues after that. Also, instead of helping me with filing fraud paperwork they punished me. They started me out negative every month. I closed my checking & savings XXXX XXXX. XXXX XXXX I went to a local bank and found out that they closed the checking in XX/XX/XXXX & the savings account was still open & even though my restitution checks were still going to that acct I still ended up with a negative balance. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Greetings, This is in reference to many Consumer Financial Protection Bureau complaints that I filed against Wells Fargo to include the recent complaint filed under XXXX. I received Wells Fargo 's response XX/XX/XXXX letter to my complaint XXXX. First, I would like to point out that I have not lived at the address that Wells Fargo used in the XX/XX/XXXX dated letter in about a DECADE. I'm not sure why confidential/sensitive material was sent to an inaccurate location especially considering that all previous correspondence from Wells Fargo has XXXX sent to my XXXX XXXX XXXX MD address on file. This is not the first error/issue that Wells Fargo has made in the handling of my mortgage account/treatment towards me. Throughout this mentally-taxing and stressful ordeal, I repeatedly stated and provided evidence to the fact that I lost my home because of Wells Fargo 's unethical, illegal, and discriminatory mortgage practices. I was proactive and reached out to Wells Fargo on several occasions PRIOR TO and DURING COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. Wells Fargo refused to help me, a XXXX years HONORABLY RETIRED and XXXX XXXX MILITARY VETERAN, because of the XXXX of my skin! Instead, Wells Fargo initiated foreclosure proceedings on XX/XX/XXXX and ruined my credit rating. I was FORCED to sell my family home. It was a TREMENDOUS loss emotionally, physically, and financially. Wells Fargo kept making previous comments that they did not do anything wrong despite my many documented complaints about their mortgage practices. Please see the additional attached documentation that reflects conflicting statements from Wells Fargo and the grave harm that I'm still experiencing from Wells Fargo 's actions. - XX/XX/XXXX Wells Fargo letter depicting the programs ( repayment plan, deferred payments, loan modification ). I wanted to discuss and be enrolled in one of the programs. Instead, Wells Fargo put me on forbearance. - My XX/XX/XXXX appeal package which was in response to Wells Fargo XX/XX/XXXX letter denying a modification and shortsale because they stated I DO NOT have a qualifying hardship due to my income. Among other items in this appeal package, you will see that Wells Fargo FALSELY reported to the credit bureaus that I was {$120000.00} past due on my mortgage. This greatly affected my credit scores, left a lasting effect for years, and prevented me from seeking assistance from other lenders. - XX/XX/XXXX Wells Fargo letter depicting their assistance to help me by forcing me to shortsale despite offering me the programs in the XX/XX/XXXX letter. This also conflicts with their XX/XX/XXXX letter that states that I do not have a qualifying hardship because I have enough income. - XX/XX/XXXX Wells Fargo letter that reflects an evaluation of my home due to Wells Fargo 's quick action to force me to do a shortsale. - XX/XX/XXXX Wells Fargo letter stating that they do not offer the product or program reflected. This statement conflicts with the programs that was offered in the XX/XX/XXXX letter. I reached out to Wells Fargo in XX/XX/XXXX for help. I met their credit requirements prior to their XX/XX/XXXX letter and prior to Wells Fargo reporting false information to the credit bureaus. I have provided evidentiary facts of the treatment that I received from Wells Fargo. I have humbly asked many times for assistance and have been wrongfully denied. I have done my due diligence to try to resolve this matter with Wells Fargo. This has been an unnecessary ordeal that I'm still experiencing and has greatly triggered my XXXX XXXX I want all ( civilian and military community ) to know my experience with Wells Fargo as a human being, an XXXX XXXX, a law-abiding citizen, and a XXXX years Honorably Retired and XXXXXXXX XXXX Military Veteran.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Credit card dispute denial although the transaction was a fraudulent by merchant
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A