Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wells Fargo XXXX Both companies agreed to remove off of credit and it remains.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Between XXXX - wellsfargo bank applied overdraft fees that seemed abusive and not just or agreed upon. They would apply overdraft fees and move money from XXXX account, Savings, to another account and charge in between a price. We have paid many times the cost. We asked directly to cancel the overdraft fee. Wells Fargo continued to use overdrafts for a long time, not fixing the problem and in between charging us time after time. Example - Situations like a direct payment to a savings account- would have no sufficient funds when the notice would come. I would go to my checking account, transfer the money within one hour, correct the problem during that hour, and be charged XXXX Euros - as an overdraft fee. The service was sold as a service that the bank would do to make sure the overdraft would be corrected. Wellsafrago was in fact, making a big amount of money for each occurrence or suspension. Because I was living on a tight budget, every time they would charge us an overdraft fee that would create an imbalance and they would charge more overdraft fees. It was a vicious cycle and I feel that I was mistreated and unfairly robbed. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Problem : The Autopay feature set in my Wells Fargo ( WF ) checking account to pay the full balance of my WF XXXX XXXX ( XXXX ) didn't work last month on XX/XX/XXXX and I noticed that the payment had not been done on XX/XX/XXXX then, I setup the full payment of {$4100.00} manually. Anyways, I was assessed a {$29.00} late fee plus {$98.00} in interests. See attached page 1 of the XXXX credit card statement of XX/XX/XXXX. I called WF Credit Card division at XXXX yesterday XX/XX/XXXX and I was told that they didn't have anything to do with the setup of Autopay, that that feature is setup by a third-party company called XXXX. I was promised a credit of {$29.00} and {$50.00} toward the {$98.00} in interests charged to my XXXX credit card. The credit card representative told me that I had to talk to XXXX Complaints Department to see what was the problem with the Autopay feature. Today XX/XX/XXXX I spoke to XXXX Complaints at XXXX but they refused to take responsibility and directed me to a WF Customer Service representative who recognized that there were some technical issues with XXXX last month but, since WF is not the one making the charges, they couldn't issue any additional credit. I have a demonstrable history all my credit cards balances being paid in full and on time every month. With the XXXX credit card, Autopay would transfer the full amount due on the due date from my checking account into the credit card account, the only payments setup manually were on XX/XX/XXXX after I noticed Autopay had failed in sending the payment and this month 's payment of {$3800.00} setup manually for today because I do not trust Autopay anymore. I'm telling you because the WF Customer Service representative suggested that I never had Autopay based on last month manually setup payment. I'm attaching a screenshot showing how Autopay was setup to issue a payment on XX/XX/XXXX, the due date. Today I removed the Autopay payment and I scheduled it manually for payment today. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I already have a case number, which is XXXX. I received an email from XXXX XXXX from Wells Fargo. I tried emailing and calling with no return call or email from him, since he is the person who contacted me. I told him i would like to get an update. They are just ignoring me!!!!!! I have found out, on my own via the police dept., that my check was cashed at an ATM at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I STILL THINK WELLS FARGO SHOULD BE INVESTIGATED FOR TELLING THEIR CUSTOMERS, AS PROBABLY ABOUT 8 DIFFERENT EMPLOYEES OF WELLS FARGO TOLD ME, THAT THE FUNDS WOULD BE RETURNED TO MY ACCOUNT, ONCE THEY ESTABLISHED IT WAS FRAUD. I THINK THE EMPLOYEES I SPOKE WITH WERE TELLING THE TRUTH BUT WELLS FARGO DECIDED TO NOT HONOR WHAT WAS TOLD TO ME. I STILL BELIEVE THEY HAVE ENCOUNTERED MILLIONS OF DOLLARS WITH FRAUD INVOLVING CHECKS AND HAVE MADE A DECISION TO LIE TO THEIR CUSTOMERS, ON A LARGE WIDESPREAD BASIS, AND SCAM THEIR CUSTOMERS, BY NOT REIMBURSING CUSTOMERS FOR WHAT WAS STOLEN. THEIR HISTORY CERTAINLY DOCUMENTS THAT THEY ARE CAPABLE OF DOING DISHONEST AND ILLEGAL THINGS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of a fraudulent wire transfer scam in the amount of {$12000.00} on XX/XX/. I received a call identified as coming from Wells Fargo and the man on the phone gave me a name and identified himself as an employee of Wells Fargo. He said he was calling about some suspicious activity on my account. He referenced transactions taking place in Florida, several legitimate transactions ( he had access somehow to my checking account information ) and this supposed wire transfer or {$12000.00} to someone named XXXX XXXX. The scammer said that we could reverse the wire transfer by completing some steps on the phone, He told me that he'd be sending me several six-digit numerical codes that I was to key into the phone to verify the steps, the first one being to verify my identity. I learned later that by entering these six-digit numerical codes I was somehow giving the scammer access to my online banking account. I'm not sure how these six-digit codes were translated into authorization for access. After realizing that these six-digit codes ( provided in Wells Fargo texts ) also allowed him to generate a wire transfer, I immediately called the telephone number provided by Wells Fargo on the confirmation email - XXXX. After traversing a lengthy voice messaging system, none of which was related to fraud, I reached an agent. I instructed the agent to immediately freeze all of my Wells Fargo accounts, no transactions were to happen with any of my Wells Fargo accounts. She said she'd freeze them but that I should go into a branch to close the accounts. I went to the closest WF location. There were two people in the entire branch, neither of whom could help me. They called someone " from the back '' who should be able help but when he came out he informed me that the Wells Fargo system was down and I'd have to go to another branch. I drove 20 minutes to another branch where I learned that my accounts had not been frozen. The wire transfer transaction status online was pending so I was hopeful that it could be reversed. This branch was very helpful in helping me reach the Fraud department at Wells Fargo and I filed claim. I received a letter dated XX/XX/XXXX from Wells Fargo stating that because the transfer happened using my user name and password I was responsible for the loss of the {$12000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I have wells fargo bank, they have repeatedly said i've had more money in my account than i have. then they have charged me numerous over draft fees for my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My account should be included with the Wells Fargo Illegal Practices Settlement. I contacted Wells Fargo to see if my account was included and they told me that they could not tell me, but if it was I will be contacted. My account was unfairly turned down several times when requesting loan modifications in hopes of avoiding foreclosures. I was incorrectly charged fees and other costs. Wells Fargo wrongly brought on foreclosure actions, and overstated attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have one account reported in my credit report that do not belong to me and I would like to remove it due to identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I sent a wire Transfer from my XXXX account to my Wells Fargo account. Wells Fargo claims they have not recieved the wire transfer. Opened up an investigation at XXXX and they confirmed through the Fed Reserve that the money is intact at Wells Fargo. Also Wells Fargo sent a message to XXXX saying they received the wire but they are refusing to release the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Wells Fargo Mortgage sold my mortgage to XXXX XXXX. At first with the name like that I thought it was a scam. So I went online after that I reached out to the XXXX. I read so many horrifying stories, I read for a long time and only got to XXXX! Things like they dont pay their insurance and taxes, added fees, I could go on and on. I contacted Wells Fargo Mtg. and told them I understand mortgages get sold but Ive never had a bank or mortgage company sell my mortgage to such a low rated company. They told me they would research this and get back to me by XX/XX/XXXX. They never got back to me I have the letter. They basically lied to me. I dont think banks should be allowed to sell their customers mortgages to such horrible companies. I think there should be some responsibility to their customers. I hope and pray that someone at CFPB research this XXXX XXXX and hopefully help us people, I hope I wont be the next victim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A