Date Received: 2023-06-30
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 XXXX 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: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for loan and it got approved on XX/XX/19 online with Wells Fargo. They put money in my account. At the end of the month I received a letter stating the amount of XXXX was due in full and was going to be charged off. I contacted several representative and actually went to the bank. They don't know what's going on, I was assigned case numbers. Someone stated account was n bankruptcy it's not I've been discharged and approved for loan. I think something fraudless is going on. I'm thinking they reached their quota for end of month set me up an account and then let it go. It's not right. Wells Fargo owes out alot of money due to this already. This will be hurting my credit. Please help. My payment was due on XX/XX/XXXX but they took portal down, and I shouldn't be making payment to a charger off account they closed with no record of. I have the documents I signed for loan. Not only that they have charged off credit card I use to have they stated debt income ratio but I never used the card but they kept other card open that I swipe alot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I Dont Have The Dates But I Have Been Denied Access To Opening Accounts At Almost Every Bank You Can Name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Case Number XXXX filed with the XXXX date : XX/XX/2023 Case Number with the XXXX : XXXX Case Number XXXX filed with the XXXX date : XXXX XXXX Case Number with the XXXX : XXXX Date : XXXX XXXX Wells Fargo has done XXXX investigations so far. Both times they have given me a temporary credit not once, but twice of {$500.00}. The bank continues to give me the run around, stating that I needed to file a police report with the local police about a situation they honestly shouldve been able to resolve on their end. Their lack of knowledge and not investigating the merchant along with asking me if the information was accurate. The bank decided upon themselves to not make sure that their information was accurate, and truthful. When this case was not investigated properly on their behalf, and now they want me to pick up where they failed to do their investigation. This merchant has given Wells Fargo fraudulent information, and this bank continues to give me, as the consumer the run around. When they have the manpower to have had this merchant properly investigated the first time. This is the purpose of the banks system. The current services Im receiving from XXXX are top tier, because they report to me daily on what is being done with my book. That is why I havent had any issues with this merchant, and the services that their freelancers are providing are great. XXXX XXXX XXXX didnt offer that and did not report to me as they were supposed to. Wells Fargo and along with the merchant need to be held accountable for their lack of. The merchant shouldve been cooperative with the bank in refunding my money as they stated that they would. Wells Fargo shouldve made sure that those funds were being properly placed in their rightful place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a Health advantage credit card account with Wells Fargo, I opened this account to help pay for my XXXX XXXX. I was told that I had 18 months no interest if I was making timely payments. Before I had my XXXX I requested an increase and was approved for {$300.00}, I was told that the {$300.00} only comes with a 6 month no interest offer, I accepted. I had the XXXX and began making payments of {$120.00}, I did do for 6 months. On my most recent statement I noticed an interest charge of {$18.00}. Upon further review and in communicating with wells fargo to inquire why I was being charged interest when I had been making payments, have exceeded the {$300.00} with a 6 month no interest period, I was informed that my credit card was divided into 3 separate accounts and that wells fargo divided my monthly payments, based on priority that they determined, meaning payments were not divided evenly, but based on their system. Over the 6 months wells fargo made an average payment of {$8.00} from the {$120.00} I was paying to the account with {$300.00}. It wasn't until I started incuring interest that they allocated my full payment to the account which then had {$240.00}. Over 6 months I paid {$730.00} and in total they allocated {$52.00} to my account with {$300.00} 6 months no interest. It is important to note I personally had no discretion or option as to how my money was allocated or to what account it went towards. Wells Fargo determined that. I do not believe I should be incuring interest because if I had control I would have paid off my account before it incurred interest, and as the consumer I'd expect my creditor to act in my interest and my behalf, since I was not given a choice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48316
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have submitted multiple disputes on XXXX regarding my Wells Fargo Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted Wells Fargo and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) XXXX keeps telling me that Wells Fargo is reporting and that it is correct, which in fact it is not, I have sent XXXX copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why XXXX won't correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Yesterday, I received a call claiming to be from Wells Fargo. The person on the line said there had been several fraudulent charges made on my account, listing off several specific charges. It sounded identical to real fraud alert calls I had received from other banks and credit cards. They said that, due to the amount of money being transferred, the FDIC was getting involved and they would have to call me back the following day to continue the investigation. The speaker talked very formally and professionally, so I believed them. The next day I got a call back at the exact time they said they would and they started giving me step by step instructions to recover from this supposed fraud attempt. It seemed like they were asking me to make a wire transfer, but he kept insisting, " Your account is locked. This money won't actually go through. You'll receive an error message. '' But the money DID go through. At that point I sensed something was really wrong. He started asking for my debit card information, claiming he needed it to cancel the card and send me a new one in the mail, but by that point I didn't trust him so I didn't give him the information. Still, he kept insisting that the wire transfer was only temporary and stayed with me on the line for several dozen minutes while I waited for the transfer. I don't know why he wanted so long -- perhaps in the hopes that I would give him more money, or perhaps he was waiting out the XXXX minute period where supposedly you can more easily cancel wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received an email that an application was opened with Wells Fargo. I have put freezes on all XXXX credit bureaus so I'm not sure how my information is still being used. This happened on XX/XX/2023. I called Wells Fargo they declined the application and stated it was ran through transunion. I called them and they have no report of an inquiry. I checked all XXXX credit bureaus as well, they are all showing freezes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing bitcoin. I called the customer support line to refute this charge. The number was XXXX. I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX them and the money would come straight back. I was to XXXX XXXXXXXX XXXX ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. XXXX would do nothing and claimed that my bank ( Wells Fargo XXXX had a chance of fixing this. This XXXX transfer happened under false pretenses and should not be considered valid. It's been a year later and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. {$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding the theft of funds from my Wells Fargo checking account and the subsequent rejection of my claim by Wells Fargo. I strongly believe that my debit card was potentially cloned, as unauthorized transactions were made using a physically inserted card while I was in a different location. Despite my immediate action in reporting these fraudulent activities, Wells Fargo has declined my claim without providing sufficient explanation. The details of the incidents and claim are as follows : Bank : Wells Fargo Claim Number : XXXX Unauthorized Transaction : Date : XX/XX/2023 Amount : {$2100.00} Location : XXXX, XXXX, California Date : XX/XX/2023 Amount : {$2700.00} Location : XXXX, XXXX XXXX, California Claim Status : On the same day as the unauthorized transaction, XX/XX/2023, I contacted Wells Fargo to report the incident immediately. I provided all the necessary details and filed a claim for reimbursement. However, Wells Fargo failed to provide me with any claim status updates. Consequently, on XX/XX/2023, I contacted Wells Fargo to inquire about the status of my claim, only to be informed that my claim had been declined. I would like to emphasize that during the time when these transactions occurred, my debit card was in my possession, and I was physically located in a different place. It is physically impossible for me to have used the card at the mentioned location at the specified time. The fact that these transactions were conducted with a physically inserted card raises serious concerns about the security of my account and strongly suggests the possibility of card cloning. I request the Consumer Financial Protection Bureau 's intervention in this matter to conduct a thorough investigation. It is crucial to determine whether Wells Fargo has fulfilled its obligations under the Electronic Fund Transfer Act ( Regulation E ). According to Regulation E 1005.6, I am not liable for unauthorized transactions if they are promptly reported. Therefore, I expect Wells Fargo to comply with federal regulations and reimburse the amount stolen from my account. I kindly request that the Consumer Financial Protection Bureau promptly investigates this case to ensure a fair and just resolution. I am hopeful that through your intervention, consumer rights will be upheld, and necessary actions will be taken to safeguard against fraudulent activities. Thank you for your attention to this matter. I look forward to a timely response from the Consumer Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A