Date Received: 2023-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I got laid over in XXXX Friday XXXX and I had to find a hotel. I could get reimbursed up to {$250.00} from airline so I looked for hotel close to airport and that price range. The XXXX came up and would cost @ {$50.00} out of pocket so I took it. When I was looking at hotels and choosing them for their price and I would go to pay they would all go up a few XXXX dollars like a scam or cliche. I was in rush and had to be back at airport in XXXX hours. When this one came up total {$290.00} I took it it was advertised around {$240.00} befor taxes and fees. When I got home I see they charged {$290.00} but also took my {$160.00} reward bonus!!! That is not what I chose. This is XXXX a scam. I also used my XXXX credit card to pay so hard to dispute although I will be writing federal banking. I want my {$160.00} I was scammed out of. As you can see I did screenshot a different hotel I was going to get but when Id go to pay it would be at least {$400.00}! It says on add members save 10 % well their price is far less than 10 % showing the glitches you were having. When I wrote hotels they asked for proof, I didnt know I needed proof for my purchases with them Ive had them over XXXX years and a gold member
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Applying for class action lawsuit. Had accounts during time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i went on XXXX to check my credit score and it says that i have a wells fargo credit card i have no knowledge of that accoount i dont have or havent had a wells fargo credit card ever the company disagrees of my complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed a LIMITED POA that was specifically for ONLY to use to withdraw enough money out of account for a specific reason and it was specifically stipulated in the paperwork because I wrote it but when I got the copy from the bank that page was completely missing and he continues to represent me against my benefit or desire!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This problem results from Wells Fargo acquiring my {$200000.00} line of credit from Wachovia Bank in 2008 and refusing to honor the fixed rate option in the Wachovia agreement. Without my consent the line of credit was converted to home equity. With rising interest rates, I am having difficulty with the payments. Since 2008, I have consistently made payments ( have not missed a payment ). None of my payments have been applied to the principal. Wells Fargo tells me that all of my payments ( since 2008 ) have been interest payments and they refuse to give me any statement as to how much I've paid. They have given me a stack of papers and instructed me to compute how much I've paid since 2008. I have asked for an increase in the line of credit in order for me to scale up my small business to meet increased demand for my product. Despite my being a loyal customer and having a {$1.00} XXXX home as collateral, Wells Fargo has refused my request. I was told by a Wells Fargo employee that Wells Fargo does not extend lines of credit XXXX XXXX XXXX XXXX. I have not been given an official reason for the denial ; another employee said it was above her pay grade and if I didn't pay, Wells Fargo would simply foreclose on my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Between the dates of XXXX and XXXX I was charged numerous ( between XXXX and XXXX is my best estimate ) overdraft and NSF fees of XXXX dollars each by Wells Fargo bank. I never received any communication from them regarding the settlement, or any form of reparation regarding these fees. I tried at the time to recover these funds but only received a small number of refunds at the time of these charges. I was told, at the time, that they could not refund most of these due to company policy. This contributed to a financial crisis from which I am still trying to overcome. Their customer service members were, and continue to be, inconsiderate, unprofessional, unsympathetic, and condescending. I have been fearful of calling about the settlement due to an existing estate account that I have as the representative of my mother 's estate. I am confident that their institution owes me a considerable amount after becoming aware of their harmful tactics aimed at profit instead of the well being of their customers. I was told numerous times that they could do nothing to help me regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27203
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Thursday XX/XX/15 at XXXX I was at work when I received a text message about a fraudulent XXXX XXXX, asking if it was me. Immediately after replying " no '' I received a call from my bank 's phone number, Wells Fargo. On the other line there was a XXXX XXXX that worked for Wells Fargo that was calling to help ensure my account was protected and that the transfer was indeed fraudulent. We spent XXXX minutes on the call, on which he said they'd located the device that was trying to make the fraudulent transfers, which was out of XXXX, TX. He also had me provide the XXXX code texted to me from a Wells Fargo XXXX XXXX. While we were speaking I received several emails from Wells Fargo stating that wire transfers had been set up on my account and a recipient by the name of " XXXX XXXX '' had been added as a wire recipient. I then received another email from Wells Fargo stating that a wire transfer in the amount of {$6100.00} had been initiated from my account. When I asked the Wells Fargo representative he stated that the same person who had tried to make the XXXX transfer was actively in my account trying to make another transaction, but we had caught him in real time and he wouldn't be able to complete it. By the end of the call, I was given peace of mind that neither the XXXX transaction nor the wire transfer had gone through, as the Wells Fargo fraud XXXX had walked me through it and caught it and safe guarded my account. By the end of the phone call he read back to me all of my account balances ( accurately, to the XXXX ) and thanked me for being a Wells Fargo customer for the past 20 years ( also accurate ). When I went back into work I checked my account balances and most of my money was gone, meaning the {$6100.00} wire transfer had gone through. I called back the same number that had called me from Wells Fargo ( XXXX ), thinking there must have been a mistake. I spoke to someone in the fraud department and they had no record of the fraudulent XXXX transfer. It took lots of convincing from a legitimate representative that the I'd been speaking to a scammer and that the {$6100.00} wire transfer had gone through as someone had gained access to my account and was acting as me. The scammer was spoofing Wells Fargo 's phone number and acting as a fraud claims representative. They knew I was a Wells Fargo customer, and had my phone number, username and password. I filed a fraud claim with Wells Fargo within XXXX minutes of the event and went into a branch to file an escalated claim as well. Both have been denied by the bank, stating that it seemed that I or someone with my credentials gained access my account and according to their wire terms and conditions, they are not responsible. The only action they took is requesting my money back from XXXX bank, which is where the account was that received my funds. That was, of course, denied as the funds were no longer in the receiving account ( of course, why would a scammer send back the funds? ). Wells Fargo claimed to do an investigation of my case, but I do not believe they looked into what happened, rather they simply deferred to their terms and conditions as reason to deny my claim. Someone stole my account information and was able to act as me within my own banking account. I believe Wells Fargo had a significant data breach for a scammer to know that I was a customer, have my phone number and then have access to my banking username and password. During this process I've been told by multiple Wells Fargo employees that there have been many complaints similar to mine, yet they refuse to take any responsibility. I have also filed a police report and will happily provide the case number if needed. I have since shut that account and factory reset my phone just to be safe. Learning that Wells Fargo will not be taking any responsibility has been devastating, as I am XXXX XXXX XXXX and this was nearly everything I had. Thank you so much for your attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Wells Fargo Bank has been causing my checking account being low each and every month with direct deposits in my checking account. Who has been paying XXXX Funds I didn't authorize for XXXX Services to receive from my Wells Fargo Debit Card XXXX XXXX had refuse to refund me back some of my funds that were paid to them. Which has happened twice. I feel I am being target and taking advantage of by Wells Fargo Bank and XXXX because my race and age. XXXX has been give me more problems with their internet services. It has been given me problem connecting with my devices. My XXXX, XXXX, XXXX XXXX, and My Laptop Computer. There has been other XXXX in my area. Who has been successful in connecting with my XXXX XXXX more than me who is pay for the services. There are XXXX in my area are getting free internet and I am senior who paying for it. It not being fair. They inform me I'm not eligible for free internet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71854
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Wells Fargo N.A. has delayed the closing of my mortgage loan putting our {$20000.00} deposit in jeopardy constantly requesting conditions for which have already been provided multiple times. Their underwriter refuses to actually review the documentation provided but seeks to consistently return the file without resolution or completion of the conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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: I did a dispute online with XXXX and a chat representative and I explained that the Wells Fargo account is reporting past the seven years and is impacting my score and financial means of getting credit cards and loans.Wells Fargo sent me a lien release and a title to confirm this account should not be reporting on my credit.XXXX XXXX did a quick investigation and still let this negative account stay on my credit profile and refuse to remove it.So I need this resolved so it does not continue to impact my life severely and Wells Fargo should corporate and this was removed from my XXXX profile and now I am go through all the credit bureaus to make sure this is resolved and removed from my credit profile.Wellsfargo shouldve taken care this with the credit bureaus and they informed me that they would which is not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A