Date Received: 2023-07-14
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: On XX/XX/XXXX, I submitted a dispute on a charge that I did not authorize. I submitted evidence from the merchant stating that the money had been returned to the bank. However, because the charge was originally made with a different bank, and the account was transferred to this new bank, they have not been able to reconcile the dispute in a reasonable manner. Additionally, through the dispute resolution process, pertinent information was withheld in what seems like an attempt to not resolve the dispute and I will detail that here. I received an initial email notification on XX/XX/XXXX stating the dispute was opened, but was not informed of a dispute resolution process. On XX/XX/XXXX, I received an email stating that the bank had been trying to contact me, and I have no record of their attempt to contact. I contacted the dispute resolution department team shortly afterwards, and a crucial piece of the process was not disclosed to me. On XX/XX/XXXX I was notified via email that the dispute was closed, in that communication I was not informed of a reopening process. On XX/XX/XXXX, I called the same department and spoke to a supervisor. I was not offered a chance to reopen the dispute, nor was I informed of a withheld piece of information. Instead, I was directed to submit a formal complaint to a different department, which I did. The executive office followed up with me the next day, and encouraged me to reopen the case within their communication. On XX/XX/XXXX, I attempted to reassert my claim, but was informed I was not able to because I was outside the time limit on a right to dispute, which ended on XX/XX/XXXX. There are two issues that I have with this overall - First, I have documentation from the merchant stating that the charges have been sent back to the bank. And second, I went through an entire dispute resolution process, and was not informed of a policy until well after the policy expired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76209
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 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 deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress 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: 33614
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: Fraud or scam
Subissue:
Consumer Complaint: Wire transfer for home purchase was stolen by someone posing as our attorney. Summary We attempted to complete a house purchase on XX/XX/2022 using a wire transfer from my XXXX XXXX account to our presumed attorneys account at Wells Fargo. It turned out that our attorneys email had been hacked and we were actually communicating with an imposter that opened a false account under my attorneys name at Wells Fargo. The entire sum of {$610000.00} ( save {$2200.00} ) was stolen by the imposter through this false account. We reported this immediately to my bank, the FBI and filed an Internet Crime Complaint Center complaint referral form ( IC3 ). We reported this to the Connecticut State police report ( # XXXX ). We also reported the crime to the Federal Trade Commission, report # XXXX on XX/XX/XXXX. We subsequently read about sanctions that the government has placed on Wells Fargo ( and recently XXXX XXXX XXXX ) for encouraging and rewarding employees for opening accounts, many of which were not validated for accuracy. Many of these were opened in the name of unsuspecting individuals who were unaware their name had been used fraudulently. This is outrageous! I have been in touch with Wells Fargo, and they indicated that they do have information about this wire transfer, but they would require a court order, search warrant or subpoena to turn over these records. As a further issue, our actual attorney and real estate agent did not provide the correct information at any time up to and including the closing date. We had no communication on any aspect of the purchase that would have given us the correct information. The only communication we received was from an imposter. We cant rule out that the imposter was someone from the attorneys office or the real estate agents office. We did not receive any notice on a title search on XXXX XXXX XXXX. We are seeking a refund in the amt of {$610000.00} to recoup our losses in this transaction due to Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From the contract : We will prepare the closing statement, calculating the appropriate adjustments and expenses of your purchase. Buyers ' expenses at the closing include all bank charges ; escrows for real estate taxes, hazard ( homeowner 's ) insurance and flood insurance if applicable ; recording fees ; title insurance ; courier fees ; appraisals and surveys, if applicable. We will confirm the adjustments and expenses with the seller 's attorney and review it with you at the closing. Prior to the closing, we will advise you of the amount of money necessary for your purchase. The figure we give you will be all inclusive of costs, expenses, and funds still due to the seller under the contract. It will give you credit for the amount of your mortgage and any monies previously paid by you for deposits, bank charges, etc. YOU WILL BE REQUIRED TO BRING A BANK CHECK FOR THE NET BALANCE DUE OR TO SEND YOUR FUNDS BY ELECTRONIC MEANS ( WIRE ). THIS IS NECESSARY SO THAT ALL CHECKS I WRITE FOR THE CLOSING CAN BE CLEARED THROUGH OUR ACCOUNT ON THE DAY OF CLOSING. We did not receive the information promised in the above paragraph from our actual attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: on XX/XX/XXXX 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/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. 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 of XX/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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint will show yet again how Wells Fargo has and is lying and defrauding us. Wells Fargo has repeatedly stated that the unpaid taxes and the lien sold due to unpaid taxes knowingly and willingly by the sellers omitting the fact they didnt pay any taxes for XXXX, which should have been discovered by the title search company and the insurance we paid additionally for this exact reason. Wells Fargo has also stated the lien was redeemed by XXXX XXXX on XXXX XXXX. When actually XXXX XXXX and wasnt redeemed until XX/XX/XXXX. We actually filed a title insurance claim with XXXX XXXX XXXX ext XXXX. We retained a lawyer in XXXX, only to continue to fight Wells Fargo to prove this. By the XX/XX/XXXX, notice of the delinquent taxes, and we have to pay them immediately. For Wells Fargo dismiss this as not a big deal. To have them continue to lie about the actual facts. Im assuming its the typical Wells Fargo way, however it more than establishes criminal intent and not just bad business practices. Wells Fargo continues to deny wrongdoing! They continue to deny our compensation from various fines and violations. We are the prime example of their criminal activities over the last 20 years. We have not changed our complaints, in fact we have more than provided Wells Fargo with the documentation. When will Wells Fargo be held accountable? They are continuing their illegal activities with every response we have received.
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: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a follow up to my previous complaint with regard to the settlement for homeowners who were unfairly denied loan modifications on their mortgage. I reached out to the Wells Fargo team in order to resolve this issue with a detail reason why I'm making my case. The bank supplied me with a copy of my signature accepting the deferment option, which i don't dispute its the fact that i explained to them in letter form that after repeated attempts to get a better resolution, out of frustration i just gave up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23 I was notified via email and the Wells Fargo mobile app that there was suspicious activity on the debit card associated with my personal checking account. Two transactions were not made by me. I called Wells Fargo ( XXXX ) to report the unauthorized transactions. A claim was filed ( XXXX ) and I was issued a new debit card. Nothing else was changed or updated. On XX/XX/23, I received a call from XXXX. I did not answer the first call but since they called right back, I answered. The man on the phone claimed to be from Wells Fargo alerting me to fraudulent activity on my account. I told him that it was already taken care of and that my card was already canceled he said this was new activity, listing two transactions for about {$750.00} each. I denied those transactions and asked how they would have been processed given that my card had been turned off the week before. He said that these people hacked into my online portal and got my new debit card number and used that. He said because of this, we needed to update my security settings because the thieves had turned the alerts off and I needed to change everything. He asked for my online user ID and my passcode, which I gave him. He then asked me to read off the security codes I would get to make sure the alerts are working and then walked me through steps to verify my XXXX set up to make sure I get necessary alerts which I now know was actually to forward my calls to a XXXX. He told me they were going to do a test to see if I got alerts and I did get several emails about a wire transfer that he said were tests and standard. He said that XXXX XXXX was a Wells Fargo employee and that his employee ID was XXXX. He gave me my new online ID and temporary password and that they would be active asap. He gave me a case ID of XXXX. We disconnected after that. I realized that night that no one could call and my phone had been forwarded. The next morning, I saw I was being charged a wire transfer fee and called to get it reversed. Diving into it more with the online fraud person, I saw that the money had been transferred from my Wells Fargo credit card and wired out to XXXX XXXX all without my permission. I reported all details to the online fraud representative ( Case : XXXX ). I was told that they would check IP addresses and could verify that it wasn't me who logged into my account to initiate the transfer. On XX/XX/XXXX, I made a report to the FBI about the case. I called about the Wire transfer issue ( separate from the credit card issue ) and was told it was still in progress and to call back in a few days. I did call back and told it was denied due to their online account access agreement - basically they had my info and it was my fault. I have never received a letter explaining this. I went into the bank branch on XX/XX/XXXX and spoke with a branch representative who said I was the fifth person that week she had talked to about similar fraud. She said she couldn't do anything, encouraged us to speak with law enforcement and that she would have their consumer complaints department call me. I have not heard from them at this time. On XX/XX/XXXX, I reported it to my county sheriff 's department. On XX/XX/XXXX, a second attempt was made to scam me using the same spoofed Wells Fargo number. I received a letter from Wells Fargo denying my fraud claim on my credit card. On XX/XX/XXXX, I called the credit card department and asked about payment arrangements and if we could get the interest reduced given that the money was stolen. I was told they couldn't make arrangements until I made the first payment and that the interest rate would be 21 %. She also said I could contact the XXXX XXXX for Credit Counseling as if I was having trouble paying rather than disputing whether I should have to pay. I was then transferred to a customer advocate where I expressed my frustrations about the lack of action when my first fraud happened and why couldn't the person I talked to on XX/XX/XXXX mentioned this trend of baiting then scamming. She said I should watch XXXX videos about online safety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56001
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: Consumer reporting agencies ( XXXX and XXXX ) are refusing to conduct reasonable investigations as per FCRA ( procedure for disputes ), and refuse to protect, I, the consumer and not ensuring maximum accuracy of my consumer report file resulting in damaging my credit worthiness and reputation. These agencies are in dereliction of their duties and are being willfully and negligently noncompliant with the United States code. Wells Fargo Auto ( data furnisher ) repeatedly reports inaccurate/false information of fictitious debts owed violating FCRA and FDCPA : 1st in the amount of {$18000.00}, then in the amount of {$3600.00} in connection with a repo/now charge off to XXXX and XXXX. Originally Wells Fargo reported an amount owed of {$18000.00} onto my report. On XXXX Per phone conv with Wells Fargo, I was informed the account was charged off and the amount owed is {$3600.00}, which Wells Fargo changes the amount on my consumer report. NOTE : XXXX Wells Fargo mails to me a transaction history report. I did not fully read this report until XXXX XXXX XXXX 1st dispute filed with both consumer reporting agencies. At this time, I was not fully aware that the amount reported ( {$3600.00} ) was erroneous or not but was merely pointing out other inaccuracies. On or about XXXX XXXX report XXXX changes to the status from repo to charge off, but report still contains inaccuracies. XX/XX/ - I fully read over the Wells Fargo XXXX transaction history report I notice that the account has been set off twice leaving a principal balance of XXXX after several accounting adjustments made. As of XXXX the balance was {$18000.00}. On XXXX the balance was adjusted to {$12000.00} ( deficiency balance adjustment ). On XXXX the balance was adjusted to {$15000.00}, then sold for {$15000.00}, thus off-setting the balance. Then on XXXX, the principal balance was adjusted to {$170.00} ( charge off adjustment ) and then off-set with {$170.00}, thus setting off the account to XXXX again. This report does not reflect, nor in mathematics an amount due of {$3600.00} or {$3600.00}. Between XXXX to present, I have demanded that Wells Fargo prove the debt of {$3600.00} and they simply can not and basically tell me that I simply just owe the debt although their numbers show otherwise. I spoke with their Team lead at the Executive office named XXXX and at this point it is escalated to her boss XXXX XXXX, which I have not heard from yet. XXXX - I filed with XXXX and XXXX a 2nd dispute fully armed with evidence provided by Wells Fargo 's transaction report. XXXX XXXX XXXX and XXXX receive dispute. XXXX- XXXX closes dispute in favor of Wells Fargo. XXXX - After speaking with XXXX and going over my dispute with the agent named XXXX. She re-opens dispute notating request deletion. XXXX - XXXX dispute closed in favor of Wells Fargo. On or about same date, XXXX closes their " investigation ''. XXXX - Per phone conv with XXXX, I inform them that I am exercising my consumer rights per FCRA and FCDPA and that by law the consumer reporting agency is required to protect the consumer and conduct a reasonable investigation. I have reason to believe that both XXXX and XXXX are not conducting reasonable investigations and are merely allowing the data furnisher to investigate themselves and accept everything Wells Fargo reports back is the truth and completely ignoring my disputes of inaccuracy, incompleteness, and an invalid debt provided to the consumer reporting agency with evidence. This is damaging to my credit worthiness and reputation. These consumer reporting agencies are violating my consumer protected rights. They repeatedly state there's nothing they can do about it and they do not have the power to delete info from my consumer reporting file, which I know is false because 15 usc 1681i ( a ) ( 1 ) ( A ) states " ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE THE ITEM FROM THE FILE .... '' XX/XX/ - XXXX has not yet issued their dispute results, but have closed the dispute quickly. XXXX XXXX XXXX I spoke with Wells Fargo and they maintain I still owe {$3600.00}, despite evidence from their own transaction records which proves otherwise. Per Team Lead XXXX. I requested to speak with her boss, XXXX XXXX ( Still waiting ). At this point I am past my patience. This complaint is being filed first, then possible legal actions may be pursued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX of 2022 I opened up a Wells Fargo checking account and had opened it in part to receive the XXXX dollar bonus that would come after 90 days of the account being opened. I experience a horrible headache trying to succumb my bonus of XXXX dollars and the bank determined I could not get the bonus, HOWEVER, I received in email stating due to the inconvenience I would get XXXX dollars as a courtesy credit. I did not get that neither. This is why Im reaching out to CFPB not for the bonus but for the funds I was told to receive that the bank is stating they never stated. I have called Wells Fargo over 7 times since opening the account. At first it was trying to see about the Bonus, but very recently it has been for the courtesy credit since a determinations factor of the bonus had already been denied. I do not have the email any longer from Wells Fargo but I believe that they should as they are the ones that send them out. I can only view the email for up to 60 days before it is deleted and it has been well and over that deadline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A