Date Received: 2023-06-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Wells Fargo lost almost ten thousand dollars from XXXX of my daughters custodial accounts and my checking and savings, saying that I withdrew funds and even overdrew my account when I had proof that I wasnt in that location and could not have accessed the accounts in that way or timeframe. When I brought this to their attention, they rerouted my accounts to new accts numbers so I could no longer access the statements or see the status and withdraws then closed my accounts and refused to bank with me never admitting to or replacing the money as ut was insured and I filed a police report and can prove that there was in no way myself or anyone else associated to me accessing my accts which had never been negative or withdrawn from previously, only deposited to.
Company Response:
State: WI
Zip: 54302
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: Problem using a debit or ATM card
Consumer Complaint: I noticed while looking at my Wells Fargo account history that the following activity on XXXX/XXXX/2023 was posted : " WITHDRAWAL MADE IN A BRANCH/STORE ''. I did not make a withdrawal. the amount was XXXX dollars in cash. I called wells fargo and they could not tell me which branch or anything except that this was done using a handwritten check. i have never used a check in my entire life except for once, a cashier 's check to buy a car. that is it. This is definitely fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 943XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had an account with Wells Fargo in 2012, after awhile they started charging fees of oddball amounts that were never on the same date every month, which in turn caused my account to overdraft multiple times. I had talked to someone at the bank in person and they did nothing about it, told me that they were fees for holding that account even though it was suppose to be free checking. I was not included in the settlement and I should have been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: Wells fargo bank placed XXXX insurance on my truck then applied it to the loan and charged me interest on top of insurance I had zero need for. When I called they told that it was insurance that was required but it raised my payment more than I could afford. They repossessed my truck and never sent a letter about a auction. By there own admission when trying to get a fair settlement from them they sold the loan to a overseas company and never sold the truck. They shorted me so bad on this it is wrong. I waited XXXX plus years to get XXXX out of XXXX that they owed me. Thats again making me a victim and there laughing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX saying that I owed $ XXXX dollars on a bank account I closed in XXXX. They threatened to sue me and to destroy my credit if I did not pay them, even though the statue of limitations had passed by over 7 years. They lied and said that this was " not on ( my ) credit report because they haven't sued yet, and the statue of limitations is not for FDIC backed bank account is unlimited '', all of which is total lies. I begrudgingly and out of fear, payed about {$3800.00} to " settle the debt ''. I contacted a lawyer and was advised that their tactics and what they told me is illegal and a complete lie and to refund my money back. I called XXXX and they refunded my money, but not before giving me the same set of lies to coerce me into paying a debt I no longer owed. Finally, on XX/XX/XXXX, I called and they reversed my payment withoute having to contact the bank, but it seemed they feared that I was going to mess up the operation so they gave my money back. Overall, though I was refunded, XXXX 's use of illegal tactics to coerce people to comply with their bogus " debts '' is unethical and against FTC regulations. They can not illegally threaten to sue you when they know it is not possible, they can not threaten your credit rating as a means of intimidation, and they can not misrepresent the law to coerce you to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97220
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: Fee problem
Consumer Complaint: I turned off overdraft on my Wells Fargo debit account over a year ago. There were some bills charged to the account that I was unaware of and they were approved by Wells Fargo despite overdraft being turned off. They have charged me 7 overdraft fees totaling XXXX for payments that should not have been authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I began the application process to refinance my current commercial loan with Wells Fargo. I spent countless hours gathering the dozens of documents requested and submitted them all as quickly as possible. All of my information checked out except they needed documentation to prove the co-founder of the company was no longer a shareholder and that I was the 100 % owner. At first I was told to amend the articles of corporation with the State to reflect the change but was later told that I could provide meeting minutes that attested to this, which I did, along with the co-founder 's letter of resignation. This took place in XX/XX/XXXX. In XX/XX/XXXX I was told the meeting minutes were no longer acceptable and I had to amend the articles of corporation with the State. I sent out the request to amend the articles on XX/XX/XXXX. Due to the State being 2-3 months behind in processing corporate requests, the amendment wasn't processed until XX/XX/XXXX. Due to Wells Fargo waiting until XXXX to tell me and the length of time to process, I was told my application had expired and I had to reapply all over again. The first application cost me {$500.00} and 6 months. I began the second application in XXXX as soon as my document was processed with the State. My new loan commitment letter stated that my rate would go up 1 % and I now have to pay another {$1000.00} to apply, but was able to get that fee dropped down to the original {$500.00}, which I paid. I had to spend another countless amount of hours re-doing all of the paperwork for the second application. On XX/XX/XXXX I was told by my handler that he expected to have my closing documents by " Thursday or Friday '' .. On XX/XX/XXXX I was told that " legal '' would not accept the articles of incorporation by the State because they were only signed by one person and that I needed to submit meeting minutes, which is the original document I sent in XX/XX/XXXX. At this point " legal '' had my corporate tax returns which clearly show that I am the sole owner of the company and 100 % of the tax burden was applied to my personal tax returns, they had the amended articles of incorporation signed off on from the Secretary of State, and they had meeting minutes attesting I am the only shareholder of the company. On XX/XX/XXXX I was told my refinance would not be pushed through without me writing a letter stating why the previous shareholder was no longer with the company. I wrote a lengthy letter explaining the nature of the shareholder leaving and another copy of her letter of resignation. On XX/XX/XXXX I was told it was not sufficient and now they are asking for financial proof that I purchased her share, which is impossible and did not happen, which is explained in her letter of resignation. Her share was in exchange for me to take over the debt she incurred to the company which is clearly stated. On XX/XX/XXXX I reached out to the previous shareholder and she wrote and signed a short letter acknowledging that her share was given to me in exchange for her debt. On XX/XX/XXXX, nearly 11 months and {$1000.00} later, my application was denied without any further attempt from " legal '' to seek documentation to approve the loan. The basis of the denial was lack of proof that I am the sole owner and able to enter into agreement of refinancing the loan, despite the mountain of documentation by the State, by IRS, meeting minutes and even the previous shareholder. I was given a refund for {$500.00} from the 2nd application, however it still caused significant financial harm. Not only did I lose the first {$500.00} paid, but I lost out on a lower interest rate and months of payments at that rate rather than the rate I have. I took time off of work to complete this lengthy and grueling process. I was forced to obtain a new insurance policy because they did not accept the policy from my carrier at that time. Just the hours alone I spent obtaining quotes for insurance and completing that process all to be denied in the end. Prior to denial I even suggested getting a notarized letter from the previous shareholder attesting that she no longer has a stake in the company in an effort to provide authenticity of the claim. Instead my loan was denied without any reasonable cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
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: Fraud or scam
Subissue:
Consumer Complaint: I received a email XX/XX/2023 from XXXX saying I had purchased XXXX $ worth of XXXX at XXXX. I then called the number attached to the email and asked about this payment. They proceeded to tell me that the payment had been made from my debit card linked to my XXXX account from someone in New York named XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York. I told them that I had a XXXX account, but that I do not use it. They told me that it seemed like fraudulent activity was happening and that I should contact my bank. I then called my bank well Fargo 's from the number on the back of my debit card XXXX. Once the call went through The normal Wells Fargo procedure with authentication and holding music then proceeded and nothing seemed out of the normal. I then spoke to a customer service representative for XXXX minutes and explained my Fraud situation and they proceeded to tell me my last three payments on my account and told me that I had thousands of dollars in pending payments. The Customer service representative told me that I needed to speak to a Wells Fargo fraud representative and proceeded to transfer me, I then spoke to this fraud representative and explained my situation. He proceeded to tell me that my account was compromised and that there was unauthorized purchases made from my debit card around the country. He then proceeded to explain all of Wells Fargo fraud policies and filed a claim report through Wells Fargo for the fraud and gave me a claim number. This conversation was very detailed and in depth and lasted about 20 minutes, it was filled with many Wells Fargo policies and guidelines and all of this sounded very legitimate. This Representative proceeded to transfer me as he told me further actions needed to take place to ensure my money would be safe. I was Transferred for the last time to a person impersonating XXXX XXXX from Wells Fargo fraud department at a local branch here in XXXX and was provided a picture of his business card and NMLS ID. I talked to this person for a hour and he explained to me how he needed to file a FTC report and report the higher up department of wells Fargo, this conversation was full of many details and procedures about Wells Fargo and the FTC that all sounded legitimate and even provided pictures of my FTC report and of my well Fargo FTC checking account that I was told I would need to transfer my money to, so that my money would be protected by the FTC. I Proceeded to call off of work due to what I was being told as I was worried that my bank account would be wiped out as he told me that my account had thousands of dollars in pending charges that would go through by XXXX and was told that all my information such as my social security and banking info was under risk. I went to my local bank and took all of my money out in cash and put it in this coin hub ATM as I was told from XXXX XXXX he stayed on the line the whole time through this transaction. This did seem a little odd to me, but I did not think much into it as I thought I was talking to Well Fargo the whole time since I called the number off the back of the card and XXXX XXXX was very quick to answer any question I had quickly and thoroughly and was very reassuring that my money would be protected and was very polite and seemed sincere about the whole situation and was quick to tell me every policy and procedure of Wells Fargo without hesitation. I withdrew XXXX from my account and I proceeded to deposit all of my XXXX $ into this coin hub ATM as directed all while still on the phone with XXXX XXXX. I proceeded to make an account and put all of my money in the coin hub account and was sent confirmation emails of the transaction and a QR code. XXXX then told me I would have access to this account in two hours and to check up with him if I needed anything else. I called after two hours to the same number that I had been transferred through Wells Fargo XXXX XXXX and asked for XXXX XXXX and immediately the call dropped and I tried to call again and the phone line had been discontented. After this I Proceeded to tell my mother what happened and I called the Wells Fargo number XXXX off of her phone as I feared my phone may have been hacked. I talked to a customer service representative who then transferred me to the fraud department and I told them what was going on and they transferred me to someone higher up as they said this case of fraud needed to be taken to a higher department. I then talked to this net agency fraud department representative who proceeded to give me a claim number for my fraud case through Wells Fargo. The next day I called off work and went to the bank where XXXX XXXX said he worked from his business card and gave the Branch manager my claim number and was told that they could not find this claim number in any department and that the call may have been fraudulent as well. I proceeded to file a real claim in person with the branch manager and called local authorities. Two Incidents where I called this XXXX Wells Fargo number, one from my phone and one from my mothers phone and on both calls not being able to talk to real representatives of the bank and being led on by fraudsters. Every time I called this Wells Fargo number it went through the authorization, holding music, and phone dial direction and on both phone calls I was transferred 2-3 times after speaking to a customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: WELLS FARGO IS IGNORING MY PRIVACY RIGHTS FOR OVER THAN 2 YEARS. I have a mailing address that i provided to wells fargo for mailing purposes and i provided my resident address for governmental purposes. Some how since wells fargo hired a new CEO. who sent all wells fargo employees to work from their home, Wells Fargo rehabilitee went down and the credibility of the Wells Fargo emplyees went down, Since then, Wells Fargo is refusing to Direct theirs mail to my mailing address and refusing to follow my account prefferences and I could not find a manager to fix this issue, When I complain here the answer will be shallow has nothing to do with my complaint and has no resolution or merits. This why I have to keep complaining here and increase the number of the complaints till 9i find a manager ay wells fargo not little kid who will be willing to investigate my issue and find a resolution. WELLS FARGO ARE STILL REFUSING TO USE MY po box MAILING ADDRESS AS INDICATING ON MY ACCOUNT PREFERENCES, WELLS FARGO ARE INSISTING ON USING MY HOME ADDRESS FOR SENDING MAILS REGARDING MY ACCOUNT. EVEN AFTER MORE THAN 2 YEARS OF COMPLAINTS ABOUT THE SAME ISSUE TODAY XX/XX/2023 AGAIN I RECEIVED A LETTER FROM WELLS FARGO REGARDING MY ACCOUNT TO MY HOME ADDRESS. I FAILED TO PENETRATE MY ISSUE IN THE BRAINS OF WELLS FARGO EMPLOYEES WHO ARE WORKING FROM THE COMFORT OF THEIR HOME WITHOUT ANY SUPERVISION OR MANAGEMENT THAT I DO NOT WANT ANY MAIL TO MY HOME ADDRESS ALL MAILS SHOULD BE DIRECTED TO MY po box MAILING ADDRESS. FOR MORE THAN 2 YEARS OF C0MPLAINTS TRYING TO MAKE WELLS FARGO RESPECT MY PRIVACY RIGHTS BY DIRECTING ALL WELLS FARGO MAIL ADDRESSED TO ME TO MY MAILING ADDRESS WHICH I PROVIDED ON MY ACCOUNT PREFERENCE BUT TILL TODAY XX/XX/2023 WELLS FARGO FAILED TO RESPOND TO MY ISSUE PROPERLY, FAILED TO INVESTIGATE MY ISSUE AND FAILED TO OBEY THE LAWS AND REGULATION AND MY PRIVACY RIGHTS. IF I WAS DEALING WITH XXXX IN THIS LAST 2 YEARS BY NOW THE XXXX WOULD'VE KNOW WHAT TO DO, OPPOSITE THAN WELLS FARGO EMPLOYEES. I HAVE TO KEEP COMPLAINING EVERYWHERE HOPING AT THE END WELLS FARGO WOULD ACCEPT TO UISE MY po box MAILING ADDRESS FOR ALL THE MAIL AND TO RESPECT MY PRIVACY RIGHTS AND DIRECT THEIR MAIL TO MY MAILING ADDRESS AS INDICATED ON MY ACCOUNT. THE WELLS FARGO EMPLOYEES WHO ANSWERS HERE SEEMS TO BE UNPROFESSIONALS AND NOT INTERESTED IN SOLVING MY ISSUE, FOR THAT I HAVE TO KEEP COMPLAINING HERE AND EVERYWHERE TILL WELLS FARGO FOLLOW THE RULES AND REGULATION AND MY ACCOUNT PREFERENCE. ALL THE ANSWERS FROM WELLS FARGO ARE MISLEADING, THE ANSWERS ARE SORRY WE CAN NOT MAIL TO YOUR B.O.BOX MAILING ADDRESS BECAUSE OF COVID-19 OR BECAUSE OF USA PATRIOT ACT OR BECAUSE OF THE WEATHER OR THEY MISLEAD AND SAY IT HAPPENED ONE TIME ONLY OR ... .. NOT ONE TIME WELLS FARGO TRIED TO FIND A SOLUTION. READ AT XXXX HOW MANY THOUSAND OF CUSTOMERS ARE COMPLAINING ABOUT SIMILAR ISSUE. I ATTACHED 10S OF LETTERS THAT WELLS FARGO SENT TO MY HOME ADDRESS FROM THE TIME I COMPLAINT HERE TILL NOW.
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: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A