Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX deposits transfers wells fargo deposits and refunds XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX deposits and refunds XXXX money loans international deposits and withdrawals my ID was stolen XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tranfers and deposits emails XXXX car loanr house mortgae loans hotels XXXX XXXX my name is XXXX XXXX lm wanting you to stop whoever is using everything social birthday all emails on all different sites apps apps XXXXXXXX XXXX XXXX etc...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi, I would like to submit a complaint about Wells Fargo deceptive overdraft fee policies, and not receiving accurate, or any, compensation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received the XXXX XXXX XXXX to avoid having troubles with the passcode sent to my phone that for the bank is " not elegible '' to send this. Since I opened this account I never received the debit card to enroll in the online banking, and now I called and spoke with the supervisor because again are requesting to send the passcode and are not acepting the XXXX XXXX XXXX that the bank sent to me to avoid this trouble. I need a debit card to the same address ( mailing address ) where the XXXX was sent, and also a pin reminder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This Complaint is about WELLS FARGO. you people must be in bed with them. They violate the law daily pay some fines and find a new way to break the law. I am not a crazy consumer. I am an educated law knowing consumer who is shocked that you people don't enforce it. The last complaint I made about multiple Banks was sent back with Some stinky rationale that there were privacy issues, so only one bank could be addressed at a time. Was that a joke? Wells Fargo has not corrected their claim to the right of offset when they never obtained a signature for my accounts. I never agreed to any right of offset. They took XXXX, but this is about something else. I had TWO other cards with Wells personal cards. Wells XXXX and XXXXXXXX XXXX Card. They reduced the credit limits and closed the accounts despite being paid on time. They claim that their crooked actions are on the XXXX XXXX account ( the right of offset ) and then another business card XXXX enterprises. They came up with some justification to close my other cards. I have filed a complaint against XXXX, and these actions are nothing but XXXX. The reduction of credit limits and closing paid as agreed cards is giving POWER to the Banks to Affect components of MY Credit that are supposed to demonstrate my use of credit, not the BANK 's fear of the economy crashing because they have raised credit rates to 25 %. Why is it that something that is supposed to be totally in my control is being affected by bank decisions which lower my credit score then raises the price of my borrowing, and then allow a bank to close the card, which later hurts my credit? The debt-to-credit ratio should ONLY be in my control, not the banks. You have a report on this issue and DO NOTHING About it. I want this report forwarded to your OVERSIGHT department. This is a complaint about CFPB 's complaisancy and or its complicity. YOUR XX/XX/XXXX report CREDIT CARD LINE DECREASES means you are fully aware of this practice, yet you do nothing to protect the consumer credit rating. The banks can clearly limit the use of the card to a sublimity without reporting a lower limit. Why does the bank have the right to take me from 30 % utilization to 100 % utilization by reducing my limit to its current balance? Why does the bank have the right to close the account I paid to keep open and increase my credit utilization ratio? I am supposed to be in charge of my credit score, NOT THE BANKS. I know I keep saying that, but NO One is helping us, NOT YOU. I use credit. I always have used credit, so now my responsible use of credit is being held against me. This is fraud. The banks want to send us statements online. Notify us online, but they force us to WRITE a letter to dispute something or get on the phone where we HAVE NO RECORD. They have a record, but I don't have a record. They will chat with me and keep me on the chat for an hour then say I have to call. Then I call and wait an hour. This is criminal. This is Unfair Business Practices, Retaliation, Collusion, Conspiracy to defraud consumer etc etc. Do your job and protect us. As a side note decades back when the prime rate was 12 % credit cards were 18 % for some reason when the prime rate was 0 % you never forced the credit card companies to adjust their rates? Why? Now that rates are going up they can justify 25 even 30 % rate for someone with Excellent Credit. Do your jobs.
Company Response:
State: TX
Zip: 79932
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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: Wells Fargo , Enterprise Complaints Management Office started debt collection attempts making harassing phone calls prior to the due date on a charge that is in dispute- which is the main issue, but there are some secondary issues worth mentioning. Main Issue : Account ending in XXXX is a credit card account in which i am both the donor and beneficiary of, and Wells Fargo is the fiduciary trustee over. There is a charge for {$25.00} that was added on to my account on ( or around ) XX/XX/2023 - this charge was not authorized by me ; there was no service, goods or products provided ; in fact, i have no idea who charged my account or what this charge is for. I, donor and beneficiary of said account, called to make a formal dispute and get a new card issued because I have no idea who or how my account was breached again. At this time, i settled the account balance which was valid and due. I did not receive any written correspondence from Wells Fargo showing who charged my account or what this charge was for. On XX/XX/2023, i received an incoming phone call from Wells Fargo by fiduciary : XXXX XXXX who started off the call with this is an attempt to collect a debt line ( screen shot from my phone bill showing the incoming call ). Take notice : this debt that is in dispute, would not be due until XX/XX/2023, but I am getting harassing phone calls in an attempt to collect a debt!!! However, since this charge is in dispute this is an attempt to collect on debt that is in dispute. In our conversation between me, beneficiary/donor of the account and fiduciary, XXXX XXXX , i voiced my concerns why i am getting debt collection calls about a debt that is not even due ( if it was valid ), said that she would provide written correspondence showing that this debt was valid, and also said that it is Wells Fargos policy to tell you this is an attempt to collect on a debt. On or about XX/XX/2023 i received said correspondence from fiduciary : Wells Fargo by XXXX XXXX ; however, she did not provide anything that verified or validates that this debt is true, did not show who charged my account, nor what this charge was for. In the attached documents sent through the post office the only reference about suggesting why this debt is valid states : " you gave authority to the person or business that made the transaction in question. '' Again, fiduciary : Wells Fargo 's XXXX XXXX nor their CLAIMS AND RECOVERY department provided the identity of this PERSON OR BUSINESS that i allegedly gave access to my account. Based on the several breaches of trust by fiduciary Wells Fargo and their partner XXXX ; i, donor of account ending in XXXX decided to close the account and settled the valid remaining balance. The other contributing factors as to why I closed this account, namely is because of their discrimination against me for denying me equal access to my credit in an appropriate amount no justifiable reason to infringe upon my right as donor and beneficiary. Thirdly, fiduciary : Wells Fargos partner XXXX is virtually inaccessible i spent several hours trying to get someone on the phone to talk about the account, and when I did, I was given misleading information. Fourth, in the beginning, fiduciary : Wells Fargo and XXXX allowed my account to be accessed by scammers when the account was first open, there were random charges being placed against the account before I even got the card in my hand it is questionable as to what is actually happening with my account : as such, i feel and believe that fiduciary : Wells Fargo is attempting to defraud me out of {$25.00} as some sort of retaliation for closing the account. Speaking of retaliation : right now, fiduciary : Wells Fargo is falsely reporting a balance is due on my credit report and my credit score went go down XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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: hello CFPB rep, i was in XXXX when all this happened, on XXXX XXXX my husband payed a XXXX dollars deposit on wells fargo reflect credit card for a set of wheels from XXXX XXXX and provided specifications of the wheels and the measurements, 5 days later the company contacted my husband and I returned to the US on the XXXX XXXX XXXX so my husband and our son went with the car to install the rims on the car. he ended up providing the merchant another wells fargo bilt credit card for the same purchase and the amount was charged was {$1000.00} + the previous {$500.00} deposit + {$1000.00} in cash. This is all one purchase for a set of 4 wheels to be installed and mounted on the car. The merchant insisted on collecting the money upfront before they started on any work. my wife was never there, the merchant lied to wells fargo in most of their statement that my wife placed the order on XX/XX/XXXXXXXX XXXX XXXX my wife was in XXXX at that time. then the merchant stated with another lie that she was in their store to pay the difference of {$1000.00} but the transaction with wells fargo shows its keyed in instead of swiped. Why would the merchant key in and not swipe the card if my wife is present? The first dispute I created about the {$500.00} sometimes in late XX/XX/XXXX this is about wrong sizes and specifications on a set of wheels according to wells fargo the merchant never gave them sufficient proof to back up their case so they lost the first dispute and it was to our favor. Meanwhile in XXXX I opened another dispute about the {$1000.00} for the same reason because its all in one purchase. for some reason wells fargo threw my case in the mud for 2 months until I found out I called them back again in XX/XX/XXXX, reopened the case, meanwhile wells fargo gave me a legit reason as to why they closed my case, neither did they ask me to submit to them any documentation to support my case, as we know they already have all the documentation when I filed the first dispute of the {$500.00}, so from XXXX XXXX all the way until XXXX they gave the merchant time to formulate a fake response for their case and recently 15 days ago wells fargo post back the money onto my account, and now wells fargo decision is completely unreasonable because I have spoken to an escalation manager by the name of XXXX on XX/XX/XXXX, and she agreed that if the first dispute of XXXX XXXX was clearly to my favor then I should not be losing the second dispute as they both are related to the same purchase. But wells fargo is trying to blame visa and XXXX for this wrongdoing instead of providing visa and XXXX the same evidence that worked to my favor in the previous dispute and the second.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo sent me a new credit card in the mail. The new credit card was never delivered to me. Someone else received my credit card, activated it, and used it at three different XXXXXXXX XXXX XXXX locations. Wells Fargo is denying my claim and making me pay the bill for someone else 's crime. I have a police report supporting my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An Illegal Fraudulent IRS 1099 Wells Fargo Mortgage Securities Indemnity has compromised My Personal Information Theft Investigate Identity Theft in the Full Legal Name XXXX XXXX XXXX Tax Year 2020 Illegal IRS Refund Payment {$350.00} by Wells Fargo Bank NA XXXX Oregon Investigate with Impunity! FBI XXXX Field Office Currently Investigating IRS Wells Fargo NA XXXX for Identity Theft in the Criminal Information Theft of Personal Mortgage Indemnity of XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Subject : Complaint regarding repossession of vehicle by Wells Fargo in XXXX Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the repossession of my vehicle by Wells Fargo XXXX XXXX. I recently became aware of a class action lawsuit related to this matter, and the XXXX verdict for settlement and I am seeking resolution and appropriate action through your esteemed organization. In XXXX, my vehicle, XXXX XXXX XXXX, was repossessed by Wells Fargo under circumstances that I believe may have violated consumer protection regulations. The repossession has caused significant financial and personal hardship for me and my family. Today, I took the initiative to contact Wells Fargo in order to address my concerns. However, the representative I spoke with stated that they would contact me only if they determine any wrongdoing on their part, and that no further action was required on my part. Surprisingly, she did not request any information from me or document our conversation. Given the gravity of this matter, I strongly believe it is crucial for the CFPB to investigate the repossession of my vehicle by Wells Fargo and ensure compliance with applicable laws and regulations. I kindly request that you thoroughly examine my case and take appropriate action to address any potential misconduct or violations by Wells Fargo. I appreciate your attention to this complaint and your commitment to protecting consumer rights. I trust that the CFPB will diligently investigate my case and take appropriate steps to ensure justice and fair treatment for affected consumers. Thank you for your prompt attention to this matter. I look forward to a timely response and a resolution that upholds the principles of consumer protection. Sincerely, XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A