Date Received: 2023-06-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Subject : Complaint Regarding Wells Fargo Everyday Checking Account Bonus Dear Consumer Financial Bureau, I hope this email finds you well. I am writing to bring a serious matter to your attention regarding an issue I have encountered with Wells Fargo regarding a promotional offer for opening an Everyday Checking Account. I believe that Wells Fargo has not honored their advertised bonus offer, and despite multiple attempts to rectify the situation, my issue remains unresolved. I kindly request your assistance in addressing this matter. In XX/XX/2023, I came across an enticing promotion by Wells Fargo offering a {$320.00} bonus for opening an Everyday Checking Account. The terms and conditions stipulated that to be eligible for the bonus, I needed to receive a total of {$1000.00} or more in qualifying direct deposits within 90 calendar days from account opening. I carefully reviewed the offer and determined that I fulfilled all the criteria as a resident alien, making me eligible for the bonus. With great excitement, I proceeded to open the account using the bonus offer code XXXX. However, my enthusiasm quickly turned into disappointment when, after submitting the online application, I received an email dated XX/XX/2023 ( attached ) stating that my account could not be opened. Determined to resolve the issue, I visited a Wells Fargo branch on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I explained the situation to a banker who, unfortunately, was unable to resolve the issue at hand. The problem lay in the fact that my status was incorrectly listed as a non-resident alien, preventing the bonus code from being applied to my application. To address this matter, the banker submitted a ticket to fix the system glitch and informed me that it would take approximately two weeks to resolve. Anticipating a solution, I visited another Wells Fargo branch on XX/XX/XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The branch manager, however, informed me that my status was still showing as a non-resident alien in their system. Despite submitting another ticket to address this persistent issue, no progress has been made. I have been working in this country under resident alien status for tax purposes, and it is disheartening to experience such difficulties in having my status corrected to make me eligible for the bonus. It seems as though Wells Fargo is unwilling or unable to rectify the situation and honor their advertised bonus offer. I find it particularly frustrating to witness Wells Fargo 's continued promotion of the same bonus offer on their website at XXXX XXXX XXXX while my issue remains unresolved. As a consumer, I believe I deserve fair treatment and transparency in promotional offers. Given the circumstances, I am reaching out to you, the Consumer Financial Bureau, to seek your assistance in resolving this matter promptly and ensuring that Wells Fargo honors their advertised bonus offer. I kindly request your intervention in this matter to hold Wells Fargo accountable for their failure to provide the promised bonus despite my compliance with the terms and conditions. I trust that with your involvement, a fair and just resolution can be achieved. Should you require any additional information, documentation, or correspondence related to my attempts to resolve this issue, I am more than willing to provide it. Thank you for your attention to this matter. I eagerly await your prompt assistance in addressing this issue and ensuring that Wells Fargo fulfills their commitment to provide the {$320.00} bonus as advertised. Yours sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Subject : Complaint Regarding Wells Fargo XXXX Checking Account Bonus Dear Consumer Financial Bureau, I hope this email finds you well. I am writing to bring to your attention an issue I have encountered with Wells Fargo regarding a promotional offer for opening an Everyday Checking Account. Wells Fargo has advertised a cash bonus promotion falsely, and I am seeking your assistance in resolving this matter. In XX/XX/2023, I came across an online promotion by Wells Fargo offering a {$320.00} bonus for opening an Everyday Checking Account. The promotion required the fulfillment of a condition, namely receiving a total of {$1000.00} or more in qualifying direct deposits within XXXX calendar days from account opening. At the time, I opened the account online on XX/XX/2023, using the bonus offer code XXXX, which was attached to my application. Over the course of the next 90 days, I ensured that I met the requirements of the bonus offer by arranging for direct deposits from my employer, XXXX, to be made into this Wells Fargo Everyday Checking Account. However, upon the completion of the XXXX qualification period, I did not observe the promised bonus credit in my account. Concerned about this discrepancy, I contacted customer service on XX/XX/XXXX to inquire about the situation. The representative confirmed that I had indeed fulfilled all the requirements and assured me that the bonus would be credited to my account within another 30 days. Unfortunately, even after the additional waiting period of 30 days, I did not receive the bonus credit. Today, on XX/XX/XXXX, I contacted customer service again and spoke with a representative named XXXX, who assisted me in filing a complaint. The reference number for my complaint is XXXX. As a resident alien for tax purposes, I am deeply troubled by Wells Fargo 's practices of enticing customers with false cash bonus claims. In light of these circumstances, I kindly request your intervention to help me resolve this matter with Wells Fargo. My expected resolution is to receive the promised cash bonus of {$320.00}, which was offered to me upon opening the account. It is disheartening to discover another similar campaign for their checking account in XXXX, as seen at https : //accountoffers.wellsfargo.com/checkingoffer/. I urge you to investigate these misleading practices and ensure a fair and just resolution. Thank you for your attention to this matter. I look forward to your prompt assistance in addressing this issue and obtaining the cash bonus as promised by Wells Fargo. Should you require any further information or documentation, please do not hesitate to contact me. Yours sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited on XX/XX/23 XXXX written out to my dba XXXX XXXX. Wells bank has business decision and is closing my account. But they are not releasing all of my funds. I provided my dba paperwork when opening the account. Now maybe there is a clerical error because this is not a third party check. I have done everything the bank has asked and they are holding my funds with no legitimate reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I received a phone call from someone claiming to be from the fraud department at Wells Fargo Bank.They said they noticed some unusual activity on my debit card.Had I traveled outside of XXXX in the last couple of days.I said no.They said someone tried to use my card in XXXX in the amount of XXXX XXXX.She then said she would have to secure my account.She told me to go online and tell her my last 3 transactions that I used my card on.I did.Then she said someone had also used XXXX to send themselves some money out of my account and that she would walk mr through the steps to reverse this transaction.She told me to go into XXXX and XXXX this code in XXXXWhich turned out to be a phone number.I said that says XXXX, she said yes thats the investigator that will be handling this case.She had already asked me earlier what my amount was showing of my bank acct on my side earlier.So she said put XXXX in the amount and that nothing would leave my bank acct that this is securing it so no one can transfer it.I did.She then said Mr.Fredneshia would be giving me a call back within 24 hours and the money would be back in my acct.We hung up and I called Wells Fargo and they told me they could not reverse my transfer and that I had been scammed.So I filed a claim.On XXXX! XXXX they sent me a letter stating that I initiated the XXXX transfer, which I did not cause I thought I was talking to a bank employee and securing my funds.And that the transfer had already been approved and processed.and they are unable to stop or reverse the funds.They have notified thr receiving bank and XXXX about the scam and they have closed my claim.I was not reimbursed.Wells Fargo has done me wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I went to Wells Fargo at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I wanted to wire transfer a couple of securities to my XXXX XXXXXXXX account. The XXXX told me that they can do it but will not do it for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80232
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Other transaction problem
Subissue:
Consumer Complaint: I received two bank-wires via Wells Fargo from XXXX from one individual in XXXX for purchase of a product- a XXXX. The buyer asked me to cancel the order and to refund his money as I was in the process of sending the instrument but stopped it in time. The total cost of the XXXX was close to {$5000.00}. He sent me two wires 14 days or so apart for {$3400.00} and then again for {$1500.00}. I told him I would happily return his money but because I was a little suspicious agreed to reverse the wire and send the funds back to the original sender. Which I did by telephone and completed with two confirmation numbers. Two weeks later the buyer said he had not received the money. I called Wells Fargo 4 different times and was told 4 different reasons as to why NO ACTION HAD BEEN TAKEN toward refunding the money. Culminating in one final call yesterday the person stated they had no record of the confirmation numbers and that I would have to go in person to a WF branch as wire reversals could only be done in person- this response entirely different from the other 4 calls. The WF branch near me is by appointment only and the next available date is 5 days from now. The banker had no explanation how I could have gotten four other misleading answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XXXX of 2023 Wells Fargo has a loan called flex loan no credit check to obtain the loan. today I received a message stating I open a new credit card account and I didnt. my credit report is still showing 100 % still need to b paid whn a payment was made on XX/XX/XXXX. I Was not aware of WF putting the {$500.00}. loan on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For the second time Wells Fargo again refused to respond to my issue THE ANSWER WAS A COPY AND PASTE STANDARD ANSWER HAS NOTHING TO DO WITH THE SUBJECT OF MY COMPLAINT., XXXX XXXX : XXXX & XXXX which brought me here. XX/XX/XXXX, at XXXX XXXX. This was the first time I entered a Wells Fargo branch since XXXX. At my visit to branch # XXXX in XXXX, CA, I found out that my teller machine card was expired, I requested from the employee at the window to order my replacement card. The employee requested help from the branch manager, who, after looking at my account, told me that he can not order a teller machine card from his computer and that in order for me to order a new card, I MUST MAKE AN APPOINTMENT AND SIT WITH A BANKER.He then proceeded to tell me that no appointments are available soon, but he can put me on a waiting list and get me to meet a banker faster than making an appointment. which I found it ODD because i have been with Wells Fargo for more than 35 years. Usually they want you to sit with a banker to try to convince you to open more accounts that you do not need and to make investments that profit the bankers. I WANT TO KNOW : 1- WHY DID THE MANAGER AT THE BRANCH TELL ME THAT I NEEDED AN APPOINTMENT TO SIT WITH A BANKER JUST TO RENEW MY TELLER MACHINE CARD? It must be a hidden reason that benefits the banker. 2- DOES THIS MANAGER THINK I AM STUPID TO TELL ME THAT HE CAN NOT RENEW MY CARD ON HIS COMPUTER? 3- HOW COME WHEN I WENT OUTSIDE OF THE BRANCH AND CALLED CUSTOMER SERVICE , THE CUSTOMER SERVICE RENEWED MY CARD IN 30 SECOND PHONE CALL? 4- WHY DOES THE MANAGER OF THE BRANCH HAVE NO EXPERIENCE AND NOT KNOW HOW TO RENEW A TELLER MACHINE CARD? 5- IS WELLS FARGO HIRING MANAGERS FOR THE BRANCHES WITH NO EXPERIENCE SIMILAR TO THE ONE WHO JUST ANSWERED MY COMPLAINT AND THE ONE WHO TOLD ME HE CAN NOT RENEW MY TELLER MACHINE CARD ON HIS COMPUTER?, 6- WHY HAS WELLS FARGO REFUSED TO INVESTIGATE THIS POSSIBLE MISCONDUCT? This was the answer of the Executive FROM HOME Office Case Specialist who did not address my complaint properly, refused to forward my complaint to a manager, and refused to investigate. the executive WORKING FROM HOME office case specialist response was a copy and paste standard answer that they send to everyone. - { Thank you for your patience while we looked into your concerns. Weve completed our research and are ready to share our findings. Were sorry for any service concerns you may have experienced when you attempted to get assistance at a Wells Fargo Branch. We strive to provide exceptional service, and its disappointing to learn we didnt meet this expectation. Were constantly reviewing and revising our practices and procedures to improve the customers experience, and we appreciate any input that helps us do this. }
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Beginning in XXXX of the year XXXX. I made application to " XXXX XXXX XXXX XXXX '' for a unsecured personal " LINE OF CREDIT ''. I assumed I was approved for the unsecured personal " LINE OF CREDIT '' and was aware of the draw period would be for 20 years ending in XXXX of the year XXXX. The only document I signed at the branch office in XXXX of the year XXXX was revealed to me in XX/XX/XXXX, when I went to the same branch location of now " WELLS FARGO '' to make application for a refinance of the existing " LINE OF CREDIT '', well in advance of the XX/XX/XXXX maturity date. The banker taking my application made a phone call to have faxed to his office the needed paperwork. I was shown a just faxed, " XXXX XXXX XXXX XXXX-PRIME EQUITY LINE AGREEMENT '', dated XX/XX/XXXX. I have been debited for almost 19 years according to a security agreement without ever signing any other documents. I continued with my automatic payment withdrawals until " WELLS FARGO '' stopped taking monthly payments after XX/XX/XXXX. The Pandemic occurred, " WELLS FARGO '' finally realized, in XX/XX/XXXX, what I told then since XX/XX/XXXX, that they did not have a Mortgage on the Primary Residence. I made them a settlement offer that benefits all, they declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am writing to express my great displeasure with Wells Fargo Bank 's handling of my son 's fraud claim and to bring to your attention the improper handling of the matter. I became the power of attorney for my son in XXXX of XXXX, and I promptly reported fraudulent activities that had occurred on his checking account. However, due to an oversight on my part, I mistakenly marked a transaction as valid when it should have been labeled as fraudulent on the form I submitted. Upon realizing my mistake, I immediately informed my son, expecting him to contact Wells Fargo and rectify the situation by correcting the designation of the transactions. To my dismay, my son informed me that his claims were denied, and Wells Fargo had solely relied on my original designations of each transaction, disregarding his correction. I want to emphasize that the account in question belongs to my son, and my role as his power of attorney was solely intended to assist him during a time when he was unavailable. Regrettably, I was not aware that Wells Fargo would consider my responses as the definitive basis for determining fraudulent transactions and would not give precedence to my son 's input as the account holder. Only now do I realize that Wells Fargo has relied solely on my original responses, which I am now informing you were incorrect. I discovered this mistake when the claim was denied, but I believed that my son 's direct communication with your institution would be sufficient to rectify the situation. However, it appears that my son 's correction was not appropriately addressed. According to the executive office, my completed form was mailed to Wells Fargo in XX/XX/XXXX. I am writing to inform you that I made an error on this form, and I would like to rectify it promptly. I can unequivocally confirm that every XXXX transaction on my son 's account from XX/XX/XXXX, to XX/XX/XXXX, was fraudulent, with no authorized charges whatsoever. I kindly request that you either provide me with the form I initially filled out so that I may correct it and promptly return it to you, or consider this message as a formal correction and an update to my original claim. Furthermore, I would appreciate it if you could reconsider my son 's claim, taking into account the fact that his phone was stolen and broken into during the aforementioned period. He has submitted police reports as evidence of the incident and has verified his unavailability during the time of the fraudulent transactions. Given the extent of the fraud on all his accounts and the fact that all the transactions occurred before I became power of attorney, it is clear that I made an honest mistake when filling out the form. By allowing me to correct this mistake, you will enable Wells Fargo to properly process the claim and provide my son with the resolution he deserves. I trust that Wells Fargo Bank will recognize the urgency and gravity of this matter and will take prompt action to rectify the situation. I sincerely hope that we can resolve this issue amicably and reestablish trust in the bank 's commitment to its customers. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A