Date Received: 2023-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a XXXXXXXX XXXX XXXX ( XXXX XXXX ) for years, apparently it was bought out by Wells Fargo, so in XXXX ( XXXX ) I received a Wells Fargo Card and I saw that it said " XXXX XXXX '' so I assumed that they took over the account but I was never notified. There is only a couple of things that auto bill to that card and it is paid off every month, auto pay. Apparently that did not carry over, and today I got three letters. My first bill, a default letter, and an immediate payment letter. How about a phone call, an email, a letter welcoming me to wells fargo. Nothing, zero, zilch zip. I told the person on the phone what was going on and they did not offer any help, they just said they would notate the account. This is ridiculous that they can do this and now they can lower my credit even thought I didn't do anything wrong. Totally ridiculous. I plan to pay the card off on Friday and close the account but I want them to wipe off any bade credit rating they have given me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX, I posted my room for rent on XXXX and a woman responded. She seemed very interested in my room. She told me she was in XXXX, that she was a humanitarian officer/medical officer and her boss was going to send me money for rent ( {$370.00} ) and {$200.00} for me for running around for her. I told her not to send me anything and to send it to the front office. She then told me her boss misinterpreted her and he was sending me {$4800.00}, this included her living expenses. She then asked me to cash that money for her and to send her the remaining amount to her travel agent via XXXX XXXX so that she could get to the US. I deposited her cashiers check into my checking account at Wells Fargo on XX/XX/XXXX. When depositing the check from her boss I asked the teller if the check would take 7 days to clear and she told me it would be clear by the next day. On the XXXX I went to the Wells Fargo in XXXX, AZ ( XXXX XXXX XXXX ) to withdraw the money, around XXXX, and send it to her travel agent. Prior to pulling the money out of my account I asked the teller if the check had cleared and she said yes. She said that she was surprised that it had cleared so fast, but it did. Then I withdrew {$4200.00} in cash to send to the travel agent via XXXX XXXX at XXXX. Then on XX/XX/XXXX I checked my Wells Fargo account to see that I was in the hole {$3300.00} in my checking account and that my savings account has been depleted. I originally had {$1400.00} in my checking and {$170.00} in my savings. Wells Fargo then said that the check should have been held until XX/XX/XXXX because there may be insufficient funds in the account of the person who sent me the check. When I told them the story all they did was put a fraud hold on my account and required me to pay the difference. I was told that if I do not start payments on the debt that was against me by XX/XX/XXXX then I would be sent to collections. I also involved the XXXX XXXX XXXX but they were of no help. In the end I had to take out a loan of {$5000.00} from XXXX XXXX XXXX to pay off the debt and then closed my Wells Fargo Account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2023 two fraudulent checks in the amount of {$830.00} each were allegedly deposited into my account from written from XXXX building company. The funds were never in my account yet Wells Fargo debited my account for the amount putting my account negative {$1600.00}. I cant access any of my deposits and no one is fixing the problem. I received copies of the fraudulent checks in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: XXXX XX/XX/23 I was billed on my Wells Fargo credit card {$19000.00}. I have a credit limit of {$10000.00} plus {$2500.00} cash back. I did not giver permission for Well Fargo to charge over my credit limit or use my cash back or was I aware of it until I received my statement. I called to speak to a representative on XX/XX/23 about reversing the difference back to the company that charged my card and she just said that Wells Fargo could charge any amount over your credit limit they want to. Now I have fees and charges I can not afford and my credit score has gone down.I told the representative that I was going to complain to the CFPB she ask me if I wanted to be transfer over to Wells Fargo Advocate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX XXXX and XXXX of XXXX I was charged on my bank account through someone elses fraudulent use of some kind. I disputed this with my bank Wells Fargo and they have somehow denied me this I can not understand because none of these charges were mine, and the way that I found out was through an alert from the bank. The bank only alerted me on the final charge, which I called immediately after the alert and have been cooperating with them the whole way through. They never requested anything from me. They never ask me any questions they only denied my claim, which was totally not my use of the card was someone else these charges totaled in about XXXX charges the total amount was under {$400.00} many charges like I said {$43.00} {$22.00} {$100.00} so on and so forth I do have a claim that was open with them that is now closed without giving me back this stolen money I have a direct deposit to this bank of over {$1000.00} every week and do a lot of banking with them and have been with them for a few years. I have had very little disputes or claims of any kind and I do not understand why Im being treated like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33542
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX XXXX XXXX XXXX -in XXXX single transaction. XXXX made around XXXX changes in the flight due to which I can not go and cancelled my XXXX XXXX XXXX weeks prior to departure though XXXX other family members went via united. XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But united rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX XXXX XXXX- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to XXXX agent. XXXX agent made an excuse that the purchase is more than 6 months so now can not be disputed. XXXX agent made an excuse that the purchase is more than 4 months so now can not be disputed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23, I received a text message from a person saying that they were Wells Fargo bank and to confirm if there was a transition via XXXX for {$3500.00} from my account at XXXX XXXX. I replied no. I then received a text message telling me that XXXX of the representatives will be contacting me shorty. I then received a phone call from the number that is on the back of my Wells Fargo debit card thinking it was Wells Fargo calling about the fraud at XXXX. The person identified themselves as XXXX XXXX and a fraud specialist with Wells Fargo bank. The person had me confirm the amount in my accounts and the last couple of transitions. They informed me that someone was trying to use my XXXX to transfer {$3500.00} to a person in XXXX GA. I indicated that it was not me. They said to stop the transition that I would need to send {$3500.00} to a person that works for XXXX by the name of XXXX XXXX to ensure that the account is working and they can block charges for that amount. They put me on hold ( with hold music ) for a couple minutes saying they were connecting with a XXXX representative now. They returned and said that I will receive a request from the representative to send the amount and this will stop the fraudulent transaction. They said if I did not send the amount through this process it they may not be able to stop the transaction therefore I will be losing the money and I may be locked out of the account. Once I have sent the money, it would be returned to my account in 24 to 48 hours. After I sent the money, I was put on hold again to confirm the process. When they came back, they said there was an error and I needed to send it again. I said I was unable to do that at the moment. I asked for a reference number and they gave me the number XXXX. They then said they would call me back around the same time tomorrow to confirm where we are in the process. Once I huge up with them, I called the number on the back of my debit card directly and was sent to the online fraud department. While reporting what happened, the spoofed number tried to call me twice. I reported the incident to Wells Fargo and the case number is XXXX. Filed a police report online, case number XXXX. They also attempted to call me again from the spoofed number on XX/XX/23 at XXXX XXXX. I called Wells Fargo to add the additional information like my police report number they told me they closed my claim as there was no bank error and sent the claim to XXXX. The XXXX case number is XXXX. I was never informed by Wells Fargo that the claim was closed on their end until I made the phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22903
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their failure to address my dispute. This bank continues to shift the blame onto me, claiming that I did not provide specific information. It is clear that Wells Fargo completely disregards the oversight of the CFPB, which is an act of defamation towards the regulatory authority. I would like to reiterate that during the initial dispute submission, I provided them with all the necessary information regarding the issue. The bank pretended to address it by saying they would submit the complaint on my behalf, but the status remains in awaiting information. At this point, I not only suspect that Wells Fargo is the worst bank in the United States, showing complete disregard for customer complaints and third-party oversight, but I also believe that this bank may be on the verge of bankruptcy. They simply lack the capability and resources to handle disputes. Why do I say this? I have colleagues who are credit card users of XXXX and XXXX XXXX XXXX. When comparing their experience with Wells Fargo, it is evident that this bank is extremely inadequate. I urge the regulatory authorities to closely monitor this bank and protect the affected customers before they go bankrupt. Considering the banks performance, it is highly likely that they will face bankruptcy in the current challenging economic climate!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received notice that both my email address and my phone number had been unenrolled by XXXX. Over the past month and a half, I have contacted Wells Fargo a number of times to determine why my account has been restricted. I was informed that the account was restricted due to a claim from someone who sent me a XXXX for {$390.00} on XX/XX/XXXX. I did not exchange money through XXXX with this person, even though Wells Fargo or XXXX, I know not who, identified this person and a separate person as well, and suspended my use of XXXX for fraud. In short, there was no fraud ; no money was exchanged between me and this person and the other person, who was also a name provided to me, did not file a claim either. I contacted Wells Fargo and let them know that these claims of fraud were false and both persons contacted their financial institutions and Wells Fargo to assert that there was no fraud on my end nor did they file a dispute of a XXXX transaction. Despite an investigation which showed there was no fraud and a call from each of these other parties and their banks to Wells Fargo that there was no fraud and the claim should be closed, I have been unable to use XXXX since XXXX. When I contacted XXXX, they informed me that they could provide no assistance. When I contacted Wells Fargo, they informed me that they could provide no assistance. Both Wells Fargo and XXXX have been extremely unresponsive and unwilling to find any way to resolve this issue and allow me to use the service or provide any means of addressing this issue and resolving it. They continue to deflect the problem and blame each other rather than find a resolution to this issue. If XXXX can not handle disputes and issues with the financial institutions they contract with, how can customers get help or find resolution to issues that may inevitably arise when using their services? If banks can not address issues with this third-party vendor, then this vendor should not be able to do business with these financial institutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed a complaint in XX/XX/XXXX Complaint No. XXXX regarding Wells Fargo not allowing me to do a loan modification after they allowed me to do the loan forbearance/deferment during COVID. This is a follow up to that complaint. Original Complaint : My ex husband, XXXX and I obtained a mortgage loan with Wells Fargo in XX/XX/XXXX. The mortgage was in XXXX XXXX name alone however I was listed on the deed. In XXXX we did a loan modification due to a financial hardship and it the listed XXXX and I both as borrowers. In XX/XX/XXXX XXXX and I separated and he moved out of the home. I continued making the payments on time. XXXX XXXX, XXXX I log into my Wells Fargo account to make my mortgage payment and something about forbearance immediately popped up. There was no wording about having to do a loan modification if I opted into the program. The information read like they would put payments at the end of the loan. I decided to do it with this understanding. I thought could payoff some other debts during that forbearance period. XX/XX/XXXX the forbearance ended and I had to start making the payments again. Then Wells Fargo called us saying we had to do a loan modification for the forbearance time period even ifwe continued to make the payment after the forbearance. I would have never opted into that program if it had said anything about a loan modification. Then we were told we were not eligible for the loan modification because XXXX no longer lived in the home. We were served with Foreclosure paperwork on Saturday XX/XX/XXXX. They will not allow me to do a loan modification by myself because they say I am not a borrower however the XXXX modification clearly list XXXX and I both as borrowers and we both signed as well and it is filed with the circuit clerks office as such on XX/XX/XXXX. The foreclosure paperwork includes interest, late fees and attorney fees as if Inever did the forbearance ( cares act stated they are not allowed to charge these fees during that time of forbearance ) Please advise. Thank you! XXXX XXXX XXXX. After this complaint they said we had to submit paperwork about filing our Quit Claim deed and I would be listed as a successor of the loan and then I could do the loan modification in two steps. The first step ( 1st modification ) being me listed as the successor of the loan then doing the financial loan modification. XXXX and I submitted all required paperwork and now they are denying the loan modification saying I have no income! Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A