Date Received: 2023-06-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a XXXXXXXX XXXX XXXX in the mail from Wells Fargo on XX/XX/2023. I immediately called Wells Fargo to ask for an investigation into the fraud and close the account. They gave me Case # XXXX for the investigation and told me I would hear back in ten days. On XX/XX/XXXX, I received a letter stating that their investigation found that there was no fraud, how they came to this conclusion was not stated only that they conducted a reasonable investigation. I called Wells Fargo immediately upon receipt of the letter and spoke with 4-6 different representatives, eventually finding out that the email address on the application was not mine, the phone number used for the application was not mine as well, and that they did not close the account on XX/XX/XXXX when I had called about the fraudulent card. Instead of closing the account, it was activated and was maxed out with a balance of {$5200.00}. None of the representatives could give me an explanation for the fraudulent charges or help me with the problem. The last representative said she would reopen the case ( Case # XXXX ) and that I would receive a call from her supervisor in 48 hours, but I never received a call. On XX/XX/XXXX, I received a letter stating that the account was opened on XX/XX/XXXX via electronic application with my SSN, Birth Date, Address, and Email Address. The application did not include a telephone number, even though I was given one from a representative that was used on the application and the application shows a different email address than was given to me by the representative as well. The letter from Wells Fargo said that this was for XXXX # XXXX, which is a case number I never received. The letter also states that I am financially liable for the {$5200.00} because the claim was denied. I have disputed the charges, frozen my credit, and placed fraud alerts with all three credit bureaus. A police identity theft report was made on XX/XX/XXXX. I sent a letter to Wells Fargo on XX/XX/XXXX restating the identity theft problems and included a copy of the police identity theft report, a copy of the credit report showing the fraudulent account, and a copy of CFPBs Notice to Furnishers of Information. I am waiting for Wells Fargo to abide by the law and do what is right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wells Fargo account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that Wells Fargo immediately update my credit report and only report a correct, accurate, and true balance statement at all times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I attempted to recently open a Wells Fargo Business Checking and Business Saving account ending XXXX and XXXX. The accounts were not even open for a week before they were closed due to an existing account that was closed for " Business Reasons ''. These previous accounts I never opened and the bank informed me these previous accounts ended in XXXX and XXXX. I have never been a customer of Wells Fargo until XX/XX/2023 of which I was only a customer for a week. I asked the bank to dispute the accounts ending in XXXX and XXXX. They flat-out refused citing that it was a business decision. I am filing a complaint as Well Fargo refused to investigate an account that was opened fraudulent and proceeded to refuse to complete an investigation. I would like my new accounts opened and the old accounts removed from my XXXX XXXX XXXX report as the account ending XXXX and XXXX were FRAUDULENT AND NOT MINE AND WERE A RESULT OF CONFIRMED IDENTITY THEFT. I WOULD LIKE THE NEW ACCOUNTS ENDING XXXX and XXXX TO BE REOPENED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
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: 2023-06-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I attempted to have my VA loan refinanced with my current lender Wells Fargo. This wasn't the first time I refinanced with them. I was attempting to take advantage of the low interest rates at the time. I spoke to sales rep and was flat out told specifically that Wells Fargo is not processing VA loans for refinancing at that time and there was indication of when the would start. I think I was discriminated against due to the fact i held a VA loan and my new loan amount compared to my interested rate would be considerably less. This was the third time I attempted to refinance and was denied ( XX/XX/XXXX, XX/XX/XXXX ). I didn't really look for other lenders since it was easier to use the same lender. I believe that if Wells Fargo processed my application I would have saved a considerable amount of money. Again this wasn't my first time. I was in good standing and my credit was above XXXX I also earned a considerable amount. I don't know what the banks obligations are in regards to VA loan applications. I don't think they can just flat out not even process a application because it is VA loan. I would like answers concerning this because I am sure some vets bought homes during this time Wells Fargo is the lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Back in 2022 I think it was someone took money from my bank account without my permission or authorization by hacking into my XXXX account and i contacted XXXX and they told me to contact my bank which i did and the amount was almost XXXX dollars which is almost all the money I had and was saving for a special occasion... .I had the same issues before with XXXX and XXXX and changed my password so many times but this person kept getting in there some how ... ..it 's not my fault and should not be paying the price for this ... .whoever banks with this bank better watch out cause they are giving people permission to steal money from you and they do not care .... Oh and their way of handling my issues with these apps and having this happen is to close my account and end my relationship with them ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 {$500.00} dollars was sent from my Wellsfargo checking via XXXX to someone that I did not authorize. On XX/XX/23 {$1500.00} was wire transferred from my checking account to the same person. I called Wellsfargo on XX/XX/23 when I noticed the transaction but they just told me the fraud dept is looking into it. A few days later I got letters from Wellsfargo stating they can not do anything. I've lost {$2000.00} from a scammer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, at approximately XXXX to XXXX, my wife, XXXX XXXX XXXX XXXX a phone call on her cell phone from a male individual ( sounded like an XXXX accent ) stating that he was a Wells Fargo Bank Fraud Representative calling from Wells Fargo Bank and that there was potential fraud activity taking place in our Wells Fargo Checking Account. This male, posing as a Wells Fargo Customer Fraud Representative, indicated that a wire transfer of {$10000.00} was attempting to be sent from our Wells Fargo Checking Account to an individual named XXXX XXXX. XXXX XXXX was initially on guard for potential fraud, and indicated that to this male, but he said to Look at the phone number on the back of your debit cardyou will see that it is the same number that I am calling from. After checking and seeing that the call appeared to be coming from that same number on the back of her debit card, XXXX XXXX then accepted that he was legitimate and proceeded to follow his instructions. Per his instructions, she provided the Username and Password of our Online Checking account to this male, and she followed his instructions as text messages were received into her cell phone and he advised how to respond to them. Again these text messages appeared legitimate and to come from Wells Fargo Customer Service. XXXX XXXX alerted her husband, XXXX XXXX, and he began to listen in to the phone call. XXXX and XXXX grew suspicious, and at XXXX XXXX XXXX the Customer Service Number on the back of the debit card for Wells Fargo XXXX their landline ( XXXX ) while XXXX XXXX still on her call with this suspicious individual. XXXX call lasted XXXX minutes and XXXX seconds with a legitimate Wells Fargo Customer Service Representative, and XXXX explained his suspicions to the Rep about the entire situation thus far. That Customer Service rep stated that the call that the individual that my wife was currently on her cell phone with was a legitimate Wells Fargo Customer Service Rep and there was nothing to worry about. ( As all of these calls are recorded, XXXX call should be on a recording at Wells Fargo ). After both XXXX and XXXX concluded their calls at approximately XXXX, they checked their online account and saw the fraudulent wire transfer for {$10000.00}. XXXX then immediately called Wells Fargo Customer Service to stop the wire transfer. Unfortunately, per Wells Fargo, it was too late. While reviewing their account at that time, XXXX and XXXX then noticed a series of transactions/charges dated XX/XX/23 and XX/XX/23 that were also fraudulent. We then informed Wells Fargo of these fraudulent charges, cancelled XXXX debit card, requested a new debit card for her, and then changed our online banking username and password. Wells Fargo credited back {$820.00} as a provisional credit on XX/XX/23 pending resolution of those fraudulent charges. Wells Fargo informed us on XX/XX/23 that our initial claim for the {$10000.00} was denied, and we immediately requested an appeal. We were told that another Wells Fargo XXXX XXXX will contact us within 2 business days and we expect to hear from them by XX/XX/23.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased a home in 2022 with a 4 % interest rate and was told that my monthly mortgage ( with taxes and insurance in escrow ) would be {$3000.00}. It is now $ XXXX/month ; a 10 % increase. My property taxes went up $ XXXX. and insurance is about the same. When I called Wells Fargo they said that I had an escrow shortage and then hung up on me. A {$3400.00} a month payment is very different than one that is about $ XXXX. Wells Fargo did the underwriting and the escrow analysis. I would have made a different choice if I knew my mortgage would have been {$3400.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/23, I received a charge of XXXX from a XXXX store. While I have shopped at XXXX department stores in the past, this is not a charge I made. When I called the XXXX department, I was informed that the charge was made using contactless payment, which is not something I usually use. I suspect I may have been either accidentally charged by a contactless device near my card, or someone may have used such a device near me or my wallet to defraud me. Wells Fargo has acknowledged that but has yet to clear this charge after almost two months, and has been difficult to reach in regards to this matter. In addition, I continue to be charged interest due to this dispute. Also, I have yet to receive a receipt for what was purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to a Wells Fargo branch on XXXX XXXX XXXX on Saturday XX/XX/XXXX around XXXX and went through a drive through. I filled out my deposit slip I filled out my account number They sent a XXXX to my account, etc. Had my ID .... Tells me after 20 minutes of waiting and dragging my elderly father out of the house I can not withdraw my own money because " We have none of your documents on file ... '' I am absolutely floored at the practices of this bank. What would you like next? XXXX XXXX XXXX Ridiculous!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52722
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A