Date Received: 2023-06-23
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I believe my bank didnt apply any of my XXXX insurance benefits I had originally purchased when buying vehicle back in XXXX I was misled and harassed constantly when not able to work and pay my loan when all along I had XXXX insurance on vehicle and wasnt told so. I had to borrow and find ways to pay for truck loan to not have it repossessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I submitted a credit card application with Wells Fargo. The application was submitted after considering a mail offer from them for balance transfer. They called me that same date corroborated the information that was submitted in the application and told me that I was going to receive a response from them a few days later. Weeks later I learned from a credit monitoring company that my application for credit had been approved. Since I never received the actual card, I called Wells Fargo again. At that time, they said that the card had been sent to my address of record. When I asked to review my address, they realized that there was a mistake in my address. At that point they corrected the address and sent a new card to my correct address. Days later I received through my mail the actual card. Immediately after receiving my card, I tried to do a balance transfer from my Wells Fargo account to pay a higher interest credit card that I have with XXXX Bank XXXX XXXX. It is important to note that the whole purpose of the credit application was to benefit from the offer made by Wells Fargo and pay a higher interest credit card with the Wells Fargo credit card. However, I was never able to complete the transfer as expected. I called Wells Fargos customer service, and all representatives told me that there was nothing they could do. At that point, I suggested the use of credit card checks or convenience checks and they told me that since the checks went missing with the first credit card that they sent me before correcting my address, they could not issue new checks for my account. Wells Fargo only provided me with two alternatives. The first option they offered me was to close my account, which would result in affecting my credit. The second option was to open a checking account with them, for which I was going to be charged for. It is the first time that I have confronted a situation like this one. It is the first time that I heard that a financial institution can not transfer or pay another financial institution to cancel an account as a result of a loan or credit given to a customer. The offer for a credit card with the option of balance transfer was made by Wells Fargo to the undersigned. I accepted the same under their terms expecting that I going to be able to do a transfer and cancel a higher interest credit card account. However, after the account is opened and has been reported to my credit history by Wells Fargo, Wells Fargo as the financial institution would not make good on their offer. More than a month has passed without a final response from Wells Fargo. Now I can not benefit from the offer and the time that I was awarded to pay a transferred balance with no interest. Moreover, I can not cancel my credit card with Wells Fargo since it has been already reported to my credit and it will affect my credit score if I do. These actions by Wells Fargo are affecting my credit and consequently my finances. At this point, Im considering other legal actions against Wells Fargo if this situation is not resolved. As time elapsed, Im placed on a more difficult position since I have less time to benefit from the original offer made by the financial institution to transfer my balances and/or to make payments without interest. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00971
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; WF CRD SVC XXXX XXXX OF XXXX XXXX WF CRD SVC XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I just open new Wells Fargo account but they don't verify it for me and they don't open the account both the online access
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This was fraudulent. I was left an automated voicemail saying they were trying to resolve a civil dispute. I called the number. A woman asked me to verify my identity and I refused because I suspected it was a scam. She transferred me to a " XXXX XXXX, '' who informed me he worked for " XXXX XXXX '' and was attempting to collect a debt. He said it was on a Wells Fargo account that was closed out in XXXX. I told him I hadn't banked with Wells Fargo in seventeen years or so ( I realize now it's more like 14 years ). He said I owed over XXXX XXXX dollars and if I didn't pay I would be flagged and I wouldn't be able to use a debit card for five years. He tried to confirm my address. He read me two addresses, one from XXXX and one from XXXX. He also read me all nine digits of my social security number. He also said the last four digits of an account number ; i think it was the correct digits to my old XXXX Wells Fargo checking account but I can't be sure. I repeatedly asked him for a phone number to any government agency that could verify this was a legitimate debt collection. He wouldn't give me one, but said he'd send relevant info to my email if I gave him my email. I refused to give him any more information because it seemed like he was a fraudster. I continued to ask for the number of a government representative who could verify the legitimacy of the collection attempt. He refused to provide me this. I think a fraudulent criminal organization has my social security information as well as other personal details. I'm very concerned. Please help me. I looked online and found multiple people had the same experience ( company named XXXX XXXX attempting to collect on long closed bank accounts ( usually Wells Fargo ), sometimes via a representative named XXXX XXXX ). I froze my XXXX and XXXX credit ; I'm going to freeze XXXX next, but there's a holdup. I'm trying to get it done this afternoon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22801
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARG XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Regarding complaint ID numbers : XXXX and XXXX Wells Fargo needs to provide the paperwork titled Relationship Change Application to document the addition of two joint owners. Wells Fargo needs to provide the full legal name of the employee who is certifying that two joint owners are currently on XXXX XXXX 's savings account. Please include the mailing address where a court summons can be sent to that person. Wells Fargo is committing fraud by signing documents with fake names, such as XXXX XXXX and XXXX XXXX I spoke with multiple individuals claiming to be XXXX XXXX, and those individuals had two different accents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I contacted Wells Fargo regarding some unauthorized transactions on my account. The gentlemen that helped me with the dispute informed me that we could only go as far back at XX/XX/XXXX. So I went through my bank statements and found 37 transactions that I never authorized. Most of those transactions were from one merchant. They told me to allow 10 days to investigate. I contacted them on XX/XX/XXXX to check the status and they informed me that it has been closed because they didnt see any unauthorized transactions and that I couldnt appeal it. I wouldnt dispute any transaction that I authorized. The transactions are the XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75503
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I made a payment to XXXX Ads in the amount of {$1000.00} via XXXX, carefully selecting my XXXX XXXX as the funding source. When I logged into my Wells Fargo Checking account the following day I noticed I was overdrawn by over {$600.00} and charged an overdraft fee of {$35.00} for the {$1000.00} transaction that was only authorized to be charged to my XXXX XXXX. I immediately called XXXX to inquire about the incorrect charge and was advised that the XXXX XXXX declined the transaction so they automatically charged the bank account ( Wells Fargo Checking account ) I had on file, which I solely use to accept deposits from business sales. The customer service representative stated that if a credit card is declined they automatically charge a " backup '' account, which they stated was the Wells Fargo Checking account. I have never been presented with any sort of disclosure or information stating that I've designated my checking account as a backup account. XXXX should have just declined the charge and informed me that the charge was not approved. Unfortunately Wells Fargo posted the transaction immediately and I wasn't able to put a stop payment on the charge so I had to file a dispute to have the charge removed, which takes XXXX business days, meanwhile my Wells Fargo Checking account is maintaining a negative balance and they continue to post ACH debits, causing me to incur now five overdraft fees, digging the hole even deeper. I am not allowed to speak directly to the claims processing team to get the charge reversed immediately. I'm told I have to wait, with my account exposed. The banking side at Wells Fargo will not allow me to freeze my checking account to stop the bleeding while they take 2-10 business days to make their decision. All of the deposits that automatically flow into that account are being evaporated by the overdraft fees that continue to rack up. HOW IS THIS ALLOWED TO HAPPEN? I have absolutely NO control over my money or how it's spent. Please look into this, both in regard to XXXX failing to disclose or clearly notate on the account dashboard their policy to run multiple accounts after me only authorizing one single account for a charge, and also please look into this issue with Wells Fargo letting my checking account bleed out of control for 2-10 business days while waiting for a decision, not a refund guaranty, but just a decision. All the overdraft fees that have occurred should they decide not to refund the charge will be my responsibility while I have no choice but to sit here and let my account bleed out. This is NOT okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/23, we opened a credit card with Wells Fargo Bank. During the process, their computer system did not correctly put my legal name on the credit card, even though it appears on my Wells Fargo account and debit card the correct way. It has enough room to fit it ( 19 of 21 characters ). My banker could not fix this, the system would not let her. When my name came up incorrectly on the pin pad, there was no way for her to fix it. She called what I assume was the bank/employee help line and she was told we could fix it in XXXX XXXX by calling a number. That my credit card would be reissued with my correct last name at that point. So XXXX XXXX later, I called the number I was given. I was told suddenly it would not be fixed, it would be 7-10 days before paperwork arrived at my house ( probably more with mail as it is ). This is NOT what the company told our banker. I was told it would/could be fixed the next day. I escalated this immediately to the " Executive Office '' as this is NOT what I was told. I got a long confirmation/case number and was told I would get a call in two days. When this did not happen, I called them today, Friday, XX/XX/23. I was then told oh no, it takes 7-10 business days for them to call you back, then 7-10 business days for paperwork, then 7-10 business days for them to fix it when they get the paperwork and yet another 7-10 days for them to mail me the correct card. Suddenly an error with the application process ( mostly their computer system making the mistake and not letting their bankers fix it, and the woman at Wells Fargot employee help line giving the banker the wrong information for me that was supposed to be XXXX XXXX later is now 40 days to rectify this!!! I caught this error before the process was completed and their bankers were unable to make this correct on their end due to the Wells Fargo computer system, further, the bankers life line to the company was incorrect on how to fix this! I want to repeat that my name fits on my Wells Fargo debit card and account. It is 19 of 21 characters but their system does not correctly put names on the card. I have tried to remediate this myself and Im getting lies and non-response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A