Date Received: 2023-06-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My wallet was stollen and when this happen the thieves tried to cash a check ( to my name ) using my ID and credit card associated with wells fargo. I had already turned off my cards at this time because I suspected it was stollen. A bank teller at Wells Fargo allowed the thieves ( who look nothing like my ID ) to process this check. It was then returned and charged to me a few days later. ( {$2500.00}. ) Which is now leaving me fighting Wells Fargo and out my {$2500.00}. Wells Fargo keeps dismissing my claims because they said the people ( Thieves ) had the correct forms of ID to process this check. ( Again, though they don't match the ID or description and my cards were turned off for stolen at this time. ) I am incredibly frustrated as I have been fighting Wells Fargo for nearly one month at this point and would like my money back as it was due to the incompetence of one of their employees this was processed in the beginning. ( I have filed numerous police reports, have detectives working on the case, and have surveillance footage of the thieves. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Multiple Charges For Services Such As XXXX Would Be Charged To My Account They Would Refund The Money And Take It Back. Services Was free Long As I Had Direct Deposit And I Still Would Access A Bank Fee So I Closed The Account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXXXXXX festival was false advertised from the beginning. Spent almost {$800.00} to be told by Wells Fargo it was past their time period but XXXX XXXXl ended up being cancelled a week before the event. It says get refund through point of purchase, which Ive tried well over 15 times at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these creditors Wells Fargo Cards Services, XXXX XXXX XXXX XXXX, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. Please update my credit file in accordance with sections prescribed above. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Other service problem
Subissue:
Consumer Complaint: XX/XX/2023 Wells Fargo Bank Re : Complaint for not returning wire as recalled name not matching account Your Account Holder : XXXX XXXX - Attention Wire Dept : My name is XXXX XXXX XXXX, your customer and account holder. On XX/XX/XXXX nd XXXX, a wire transfer was sent out from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank which represent the proceeds of my sale where escrow was closed at XXXX XXXX XXXX in XXXX, Arizona. I am the rightful owner of this money per the attached closing statement. I am requesting that you immediately pull my funds from the wrong account and return the money by wire to XXXXXXXX XXXX XXXX XXXX. I am requesting that you honor the recall request from XXXXXXXX XXXX XXXX XXXX immediately. I relieve you of any liability for pulling money funds out of wrong account. This is my money and it seems like you are trying to give my money away. I expect a response as soon as possible. The wire was sent to my name ( XXXX XXXX XXXX ) with the wrong account to Wells Fargo Bank and your bank should have rejected the wire because name and account didnt match. Your bank wrongfully did not reject the wire. On XX/XX/XXXX th a reversal of the wire was sent from XXXXXXXX XXXX XXXX XXXX to Wells Fargo Bank to return the money however your wire department has not responded. Today is XX/XX/2023 and so far, you have not returned the wire. Due to this happening, I am Living in a tent and I have serious XXXX XXXX and this situation is worsening my health. I am not doing well at all. I should have had the money by now. I am further attaching information of the wire and recall notice from XXXXXXXX XXXX XXXX XXXX. I expect you to honor my request and return the wire to XXXXXXXX XXXX XXXX XXXX as recalled so that they may re-send the wire to my correct account number at Wells Fargo Bank. I am your customer for many years and I expect that you treat me as a good customer that you want to keep. I will not allow you to give the proceeds of my sale to another person. This will not be tolerated. I expect a response from you as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I am writing this letter to formally initiate a complaint against Wells Fargo regarding a loan I have had with them since XXXX. I have refinanced the loan with XXXX over the years in a effort to pay off the Wells Fargo loan but this loan with Wells Fargo still remains even after being paid off. The complaint is this : I have worked with XXXX XXXX on two separate occasions to pay off the debt with Wells Fargo, originally Wachovia. Each time payment in full was made but subsequently the loan has continued to remain on the books. I have been writing Wells Fargo trying to get this matter resolved but each time they respond it is with the same form letter stating that I can request a Mediation meeting, I have requested the meeting and to this date a mediation meeting has not been scheduled. So, I am writing to present my case to the Consumer Finance Department. Here are the issues that I have been addressing with Wells Fargo : This first time, I started the loan was wo bring my business to Wells Fargo since that is where I currently had my checking account. I refinanced a loan form XXXX XXXX and Loan in the amount of {$64000.00} At this time, the then attorney XXXX XXXX XXXX, stated that he had discovered other bills that had not been paid off and added those items ( which were later verified as having been paid off the documents were filed with the XXXX Clerk of court ). Second the loan amount was increased, and a line of credit was added to the loan. I have detailed the information below : Several mistakes involving my Line of Credit of {$29000.00}, which was established back on XX/XX/XXXX. This LOC was taken out on a refinance loan with Wachovia to pay off my debts and my current mortgage on my home. I refinanced my home again on XX/XX/XXXX, with Wachovia and the {$29000.00} LOC was paid off. I kept receiving bills showing that it had not paid off ; so I continued paying on the debt. The home was refinanced again on XX/XX/XXXX, with XXXX XXXX XXXX which paid it off once more, but I continued receiving bills to make monthly payments which I continued to pay. o The issue with the LOC : Wells Fargo sent me the front copy of two checks that were made out to XXXX Title Loan Check No XXXX in the amount of {$310.00} from the General Ledger Check No XXXX in the amount of {$29000.00} was written to them from a Credit Line Cash Advance Counter Check. The purpose of this check is listed as Disb. to Attorney ( Proceeds ). This check opens a line of credit. One half of the check shows paid to XXXX Title loan and the other side shows Pay to the order of Myself. The bank has told me that they only have the front copy of these checks and that no image of the back has been recorded in their files. This issue is very suspicious because as noted below the attorney, XXXX XXXX XXXX, in this matter was disbarred for misconduct. I have been searching my files and requesting information from Wachovia and Wells Fargo trying to correct the wrongs, while paying the loans to ensure that I did not lose my home and land. I have been delayed in pushing forward because of my health and each time I seem to move forward I have had major health challenges that required my full attention to ensure that I recovered. But I want you to know that I have never stopped trying to have my case represented. On XX/XX/XXXX, I received a letter from The Supreme Court of South Carolina, XXXX XXXX XXXX XXXX stating the lawyer who represented me in the refinancing was being investigated and they would also look into my allegations of fraud for my LOC of {$29000.00} that had not been paid off. Also, I had to ask Wells Fargo to stop the digital transfer withdrawals that someone had been making regularly on my LOC without my consent. I knew that I was not requesting any money because I do not know to access my account over the phone. After going into the bank and stopping this process the loan has steadily decreased. The major problem still exist : I paid off the loan and opened a loan with XXXX to pay off this loan. I am currently paying both loans. I understand that my loan with XXXX should be my only loan, but Wells Fargo loan is still open. I will not stop paying until the loan has been resolved through the courts to ensure that my property is not wrongfully taken because of default on a loan that has been paid off twice and it is still open. I have requested information from XXXX and they have provided me with written proof that the loan with Wells Fargo was paid off again in XXXX, XXXX and to this date I am still paying the loan with Wells Fargo and XXXX. I am requesting someone to help me stop this fraud that has persisted since XXXX, and to refund me all the overpayments to this account, pay off XXXX plus all interest paid, and remove all loans against my home and land.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new XXXX savings account under a promotion offer code : " XXXX '' at the branch on XX/XX/2023. I received a promo code validation from the banker. I have met all offer requirements ( please see description below ), but I did not receive the {$520.00} bonus. The bonus requirements are as follows : XXXX. " Open new account with {$25.00} in a branch. '' I opened my account at the branch on XX/XX/2023 with {$25.00}. XXXX. " Bring {$25000.00} or more in new money to your new savings account by Day 30 and maintain at least a {$25000.00} balance through Day 90 after account opening. '' In my case I needed to bring a total of {$25000.00} or more by Day 30 was XX/XX/2023. By XXXX XXXX, XX/XX/2023, I brought in a total of more than {$25000.00} in new money, and by Day 30 I had a balance of {$25000.00} in my savings account. I maintain the funds in my account through Day 90 after account opening. Day 90 was XX/XX/2023. I maintained the funds in my account until XX/XX/2023. Although I met all the requirements, I did not receive the {$520.00} Savings Bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I received a text message from Wells Fargo asking me to confirm a transaction made for {$420.00} at a XXXX in CA. I replied XXXX as instructed as it was not me making this transaction. This was followed by another text message saying that a representative would call me shortly. I immediately received a call from XXXX, I XXXX the number immediately and saw it was Wells Fargos number. My XXXX XXXX XXXX had just gotten sick all over and I was in the process of cleaning this up as well as trying to get out the door to pick up my other daughter. The individual on the phone was a young man with an American accent. He already had a lot of my information and asked me a series on questions to confirm, he informed me that someone in California was currently hacking my account. He had me change my password and once I logged in a wire transfer was being processed for all of my money, {$4000.00}. He said he was able to stop it and it would be back in my checking account within XXXX minutes. Immediately following the end of our call ( within XXXX minutes ) I called Wells Fargo and asked to be transferred to their fraud department and realized it was a scam. The wire transaction was still pending when I reported the claim. I hadnt heard anything regarding the status so I called back in on Monday, XX/XX/XXXX, where I was told that my claim was denied as by the time WF reached out to the receiving bank ( XXXX XXXX ) the funds were no longer available. They informed me that WF has a XXXX business day investigation window to attempt to receive the funds. Of course the funds were no longer available toward the end of the XXXX business days as it was a scam and the scammer would have moved the money right away. I asked to speak with a manager and was transferred to the escalation team, I again asked to speak with a manager and was told they put in a request for a callback and I should hear from a manager within XXXX business days. On XX/XX/XXXX I went into the closest Wells Fargo branch and sat down with a representative and explained the situation. They then called the fraud department on my behalf and was transferred to the escalation department and then another request was submitted to speak to a manager. I have yet to receive a call and today is XX/XX/XXXX. Ive been a Wells Fargo customer since XXXX and it is just mind blowing the lack of respect and urgency in such a situation. Im submitting this complaint to highlight their negligence in this instance, hyper focusing on their lack of security, lack of urgency / slow resolution times and lack of support in fraud disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a checking account with Wells Fargo, and I received a promotional offer to Get {$2500.00} bonus when you upgrade your banking relationship to Wells Fargo Premier. My offer code is XXXX. A banker, at the branch, applied the offer code and upgraded my relationship to Wells Fargo Premier on XX/XX/2023. I received a promo code validation from the banker. I have met all offer requirements ( please see description below ), but I did not receive the {$2500.00} bonus. The bonus requirements are as follows : 1. " Upgrade to a Premier Checking by XX/XX/2023. '' I upgraded my account to a premier at the branch on XX/XX/2023. 2. " Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a {$250000.00} balance through Day 90 after account upgrade. Qualifying linked accounts include ( a ) bank deposit account balances ( checking, savings ) ( b ) investment account balances. In my case, I needed to bring a total of {$250000.00} or more by XXXX XXXX, XX/XX/2023. By XX/XX/2023 ( Day XXXX ), I already had over {$250000.00} in new deposits in my 3 qualifying linked accounts. ( {$25.00} in the checking account, {$25000.00} in savings account, and {$220000.00} in my investment brokerage account ). The 90 Day was XX/XX/2023, yet I continue to maintain over a {$250000.00} balance through today, XX/XX/2023. Although I met all the requirements, I did not receive the {$2500.00} Bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A