Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We were initially overcharged on our monthly mortgage payments from XXXX onto XXXX or later and had a difficult time trying to modify our loan. This caused us to be in arrears with payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
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: Deposits and withdrawals
Consumer Complaint: I was frauded out of {$24000.00} from my saving account via a wire fraud scam. The person doing this moved money around to various account we have and also transferred {$13000.00} from my daughter saving account To our account to wire transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
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 adding money
Subissue:
Consumer Complaint: I am trying to deposit a check from my XXXX XXXX XXXXr, and I am unable to. I am displeased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I contacted my bank and informed them about transactions that needed to be charged back as the services were not rendered. The bank refused to handle the problem and in fact gave me the run around and several reps hung up on me. I even provided evidence and the bank did not care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 755XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Thursday, XX/XX/XXXX, I entered my WELLS FARGO bank application on my phone and discovered that I had suffered the withdrawal of all my savings and had made cash disposal of my credit card as well as transfers from my checking account to fake accounts created with my name in Florida and Texas. From my savings account they have fraudulently transferred a transfer of XXXX on XX/XX/XXXX then another transfer for XXXX dls to the same fraudulent savings account on the same date XX/XX/XXXX then a cash dispocision of my credit card without my authorization for XXXX on XX/XX/XXXX also a transfer for XXXX dls from my checking account on XX/XX/XXXX. XX/XX/XXXX A transfer from my savings account for XXXX dls XX/XX/XXXX A transfer from my checking account for XXXX dls XX/XX/XXXX a transfer from my checking account for XXXX dls XX/XX/XXXX A transfer from my checking account for XXXX dls. Immediately upon discovering the fraud I called the bank to report what happened they gave me a case number then the same day XX/XX/XXXX I went to the bank office and filed a formal claim and change my savings accounts and checking account also call the bank to indicate that it does not authorize the cash disposition and they gave me a case number to my claim. Today XX/XX/XXXX I call the bank to receive some information about it and they tell me that the case is closed and that they sent me a letter informing me the reason for their resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
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: Managing an account
Subissue: Banking errors
Consumer Complaint: On Monday XX/XX/2023 I went to the XXXX, Pa branch for my appointment at XXXX. I needed to change my last name on my account due to marriage. Processed the name changed and XXXX minutes after leaving the branch I get an email stating my account is going to be closed do to my account being compromised/risk of identity theft. I called the loss prevention number and was told to go to branch and show id and have the banker call to verify. Banker did so and was told my account supposedly had multiple failed login attempts on mobile banking from all over and that is why my account is being closed. They put a hold on all incoming deposits but not outgoing purchases. ( Still able to make purchases until XX/XX/2023 ) the banker asked if I could just open a new account and they said no I am no longer able to be a customer do to high risk. My account worked perfectly fine with no issues up until I did my name change. I believe something was done incorrectly on Wells Fargos end. I was treated horribly by the customer service representative from loss prevention and was hung up on. I have a copy of the email as well as the summary from changing my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 XXXX unauthorized transactions were made from my Wells Fargo Checking Account using XXXX. The 7 transactions were sent to 5 different people, whom I do NOT know. I typically receive an alert from the bank when any XXXX transaction is made ( either to send or receive money ). I have proof of other similar email notifications, but for these particular 7 transactions I never received any notification. The only way I knew money was stolen from my account, was on Friday, XX/XX/XXXX I received a weekly email that I requested from Wells Fargo to make me aware of my ending balance. When I received my email that week, I noticed the balance was approximately short by {$5000.00}. I then logged onto my bank 's website and saw the 7 transactions to 5 people I do not know, totally {$4900.00}. I reported this to Wells Fargo 's Fraud Dept immediately on XX/XX/2023. They closed the account, set me up with a new one and told me they would investigate this theft. On XX/XX/XXXX I was notified that my case was closed and they are not refunding my money. I am awaiting documentation from the Fraud Dept as to what information they used to make this determination. In the interim, I have filed a report with my local police dept., the IC3 ( FBI Internet Crime Complaint Center ), and the FTC. After being a Premier Wells Fargo customer for almost 30 years it is extremely frustrating to be dismissed so quickly with no resolution. After doing some of my own research, I understand that XXXX fraud is exploding across the top 7 banks that own it ( Wells Fargo being one of those banks ), and they are not protecting their customers, they are not returning the customer 's money in most of the cases reported and they are dismissing most all of the cases with no satisfactory resolution for their customers. I am disgusted with their response and am looking for some assistance in correcting this situation and getting my {$4900.00}. returned to me.
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: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This communication is in regards to the following transactions on my Wells Fargo Visa credit card account. XX/XX/XXXX - {$5.00} INTEREST CHARGE ON CASH ADVANCES XX/XX/XXXX - {$15.00} CASH ADVANCE FEE XX/XX/XXXX - {$310.00} JPay Money Transfer XXXX FL On XX/XX/XXXX a payment was made to XXXX to fund an inmate account. During that transaction, I was asked to accept payment terms with XXXX, which I accepted. In those terms, I agreed to the following term : " 10. OTHER CHARGES. XXXX is not responsible for any fees or charges that may be imposed by the financial institution associated with your Payment. For example, some credit card issuers may treat the use of your credit card to purchase the Service as a " cash advance '' rather than a purchase transaction, and may impose additional fees and interest rates for the transaction. JPay is not responsible for any non-sufficient funds charges, chargeback fees or other similar charges that might be imposed on you by your bank, credit card issuer or other provider. '' Based on this description, it appears that credit card companies are treating these payments differently, some as purchases, others as cash advances. Wells Cargo Mastercard treated this transaction as a cash advance. I contacted Wells Fargo via Chat and they instructed me to contact the Customer Advocacy Department at ( XXXX ) XXXX. I contacted that phone number and spoke to XXXX. XXXX would not supply a customer ID or any other identifying factors, so I apologize for the vague details on him. XXXX explained multiple times that I accepted the terms of agreement and cash advances are a legitimate charge, along with the interest that was charged. Despite all monthly statements being paid in full and on time every time, cash advances incur their own interest rates. I contested that the transaction was not a cash advance, and felt that it was a purchase with JPay. XXXX continued to express that XXXX was at fault and I should speak to them. To his surprise, I pulled our their transaction statement that indicates that the card issuers are determining what they want the transactions to be and that I had no way of knowing before the transaction that Wells Fargo Visa would be charging this as a purchase or cash advanced. I asked XXXX for details on this transaction that caused Wells Fargo Visa to determine that it was a cash advance. In the call, he stated that he would not share that information. He pointed out to me that the Description in the transaction field on the card says " Money Transfer. '' I explained that any purchase can have any description, but the consumer doesnt control that. The consumer only knows what they agree to during payment, which indicates that the card issuer may be the one to determine that. This transaction feels that it could be representative of predatory lending. Fees and interest are being charged to a consumer group that is usually in financial hardship due to being incarcerated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 my son alerted me concerning an email that he had just received from Wells Fargo Bank informing him that my application for a credit card had been approved with a credit line of {$15000.00}. I have not applied for any credit cards and I thought it was odd that the bank would send the message to my son 's email address, not mine. I have contacted Wells Fargo and they transferred my call to their fraud department. They closed the account and said they were going to start an investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I possessed a Financial loan from Wells Fargo auto from XXXX until XX/XX/XXXX when they unfairly repossessed me. They were recently sued for unfairly repossessing. Throughout the course of the loan I tried more than 10 times to change my payment arrangement date. Every single time I would sign the paperwork and mail it back in they would lose it. This is exactly why they were sued. I attempted to make a change to my payment date almost every month and they would never allow me to do so even though I followed the parameters of Wells Fargo 's forms and time frame. I am exactly entitled to the settlement of their recent lawsuit being sued for this exact reason. They're making it worse while trying to call them currently XX/XX/XXXX. They're trying to fight me tooth and now rather than pay what they owe for treating me wrong as a client and unfairly repossessing me while never letting me change the payment date for the entire term of the loan from XXXX until XXXX I requested a payment arrangement due date change almost every month and they did nothing. Exact terms of being sued. And then as I call them I meet with resistance with their specialty Department stating that I'm being written emails on their secured website Wells Fargo auto. A multitude of times I've attempted to create an account and am continuously denied the ability to start the account when I called Wells Fargo customer service I was told I'm not allowed to have an account because my car was repossessed. So why are they writing the emails that I'll Never See and their company knows that they're responding on their own website that I don't have access to and they will not gain me access? I am entitled to unfairly repossession settlement funds. And I hope that your company can help me resolve this. My car should have never been repossessed because the month that I was repossessed was like every single other month that they were unfairly tacked on late fees because I get paid twice a month working in XXXX and have tried to change my payment arrangement due date since the start of the loan in XXXX. Wells Fargo has practiced unethical business practices losing my forms and repossessing my vehicle and it's no wonder they were sued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14420
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A