Date Received: 2023-06-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Had a couple of times where I was unable to withdraw money from atm 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79907
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX, has violated my rights. In accordance with the fair credit reporting act Wells Fargo Card Services has violated my rights. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Wells Fargo Bank used the right to offset twice by taking money for my wells Fargo XXXXXXXX XXXX out of my XXXX account. That is against the law and Wells Fargo sent me a letter w the case number XXXX stating that they had the right to take {$530.00} from my checking account on XXXX XXXX. They also took {$2700.00} on XX/XX/XXXX or XX/XX/2020. When I called Wells Fargo Bank in XXXX of this year I spoke to XXXX different bank employees back to back because my call was " accidentally dropped '' I got 2 completely different stories and date from the wells Fargo employees. The XXXX representative I spoke to was XXXX and the second one was XXXX. They overdrafted my account after my mortgage, also from Wells Fargo was deducted from my XXXX account. The mortgage then reversed the payment but kept the offset. The money that Wells Fargo took from my XXXX account was for my XXXX XXXX debt. When I spoke to the man in the XXXX department, he said that Wells Fargo had the power to offset even though the XXXX government does not allow the right to offset for credit card debt. They sent me a letter on XX/XX/XXXX XXXX again stating that they had the right to remove those funds from my account. I believe that Wells Fargo broke the law and knew they were doing it. I would like to get a total refund of the 2 right to offset that Wells Fargo Bank took from me and I would like to see them punished for their illegal acts. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a lapse in home insurance coverage from XX/XX/XXXX until XXXX of XXXX. I acquired home insurance in XXXX of XXXX. The bank is trying to charge me {$2400.00} for XXXX for a policy they didn't purchase until XXXX of XXXX. I purchased home insurance two months previous to that so how can they charge me after the fact and when I already had Insurance in place. The insurance I purchased in XXXX cost me {$2200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Other service problem
Subissue:
Consumer Complaint: XX/XX/XXXX traveled from TX to CA to pick up my mother 's safe deposit box. I had all the documentation, had an appointment. Wells Fargo Bank refused me access to my box because of an back office on their end. Wells Fargo Bank - XXXX XXXX XXXX - Assistant Vice President - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX- I left with the understanding that my box would be inventoried and shipped to me after their back office issue was fixed and showed up in their computer system. I picked up my box XX/XX/XXXX, found out that it was shipped improperly per bank protocols and all the currency and coins were missing. This was a branch to branch shipment. I was refused access to my bank when they knew I had traveled XXXX miles to pick it up and someone in the XXXX XXXX branch conspired and robbed my box. I have contacted Wells Fargo Corporate, and I'm working with them, they acknowledge this should not have happened and are apologetic. A crime has been committed here and I need assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I previously had Wells Fargo accounts but one day in maybe XX/XX/2019 I tried to use my card and it was embarrassingly declined. So I called and was told they think there might be fraud on my account and closed it. Now last week out of the blue I received a new credit card from them. I have not received one single piece of mail or communication since they closed my account years ago. I wasted several hours trying to get someone to help me at wells fargo but no one cared. I was told the card was canceled but this morning i got am email that my new card is on the way! I dont understand what it happening but looking at the Wells Fargo class action lawsuit it seems to be the same scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 597XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I was a victim of fraud worth {$7600.00}, I purchased a vehicle from an XXXX business registered as sinner sundown, I paid through XXXX using my debit card Less than 24 hours later at the dmv on XX/XX/23 XXXX found out the vehicle was stolen by XXXX XXXX XXXX and all documents provided were fake, the car was taken away by the police. I immediately contacted my bank and explained the situation and disputed the charge since it was clearly fraud. I was issued provisional credit while they investigate. I provided police reports and adequate information regarding the whole situation. On XX/XX/23 I received a letter in the mail from Wells Fargo stating my claim was declined and the provisional credit will be taken away. I contacted them and to my knowledge they never received the police report I submitted, I was told I will be called back with an update in 24-48 hours. The same day I contacted cashapp/square, I was told on the phone and also sent documents stating that the {$7600.00} in total has been reversed to my debit card on XX/XX/23 and the full amount is currently with my bank and that I should contact Wells Fargo XXXX I wasnt notified of this by Wells Fargo, they issued me a provision credit around the same time cashapp/square reversed the payment back to my debit card. I asked Wells Fargo why I wasnt notified of this and the customer service agent couldnt answer my question. I never got a call back updating me within 24-48 hours on XX/XX/23 and its been over a week now. I called in today and the customer service agent on the phone told me the claim has been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 2 individual claims with Wells Fargo have been filed : # XXXX for XXXX and the other is # XXXX for XXXX. We filed these claims in XXXX and have gotten the runaround from Wells Fargo ever since. These two checks ( # XXXX and # XXXX respectively ) were stolen from our mailbox and fraudulently deposited into the perpetrators bank account via an ATM deposit. The bank that cashed the check caught the error and reached out to Wells for resolution. Wells will not give us any information as to what bank this is as we have requested that info so that we can follow up ourselves. I have not been able to speak to a live person with any kind of authority to resolve the issue. All calls are routed through a call center and they are basically powerless. The just keep repeating " we have 90 to 120 days to resolve this ''. As the consumer and XXXX XXXX XXXX we are hard pressed to float a loan to Wells Fargo for 120 days while they figure out their mess. This should be resolved between the 2 banks while Wells Fargo reimburses us for their error. Instead they are making us - the " little guy '' experience financial hardship. We just want our money back so that we can keep our small business afloat
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was having problems with over draft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90303
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This has been a long time ago but I was an employee of Wells Fargo and had 2 checking accounts with overdraft protection. 2015 I believe. I had the wrong debit card with me but used it because the funds should have automatically transferred from the other account to cover the purchases. I then had a large payment come out and instead of transferring the funds as they should have it even covering the small ones then charging the {$35.00} fee for the big payment they pushed the big payment through and charged me {$35.00} fees for every small purchase I had made prior to the large payment. At the time I called my supervisor called over and over to get it fixed and I think they waived one fee still leaving about XXXX overdraft. I would give you more details but I contacted them last month asking for account records and all they did was try to collect the {$10.00} they are saying I still owe them. I again requested the records from them but was sent only a collection notice for {$10.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A