Date Received: 2023-06-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX morning, XX/XX/2023, my wife turned on her computer and was immediately confronted by a flashing and vocal warning not to touch or do anything to her computer until she called the shown number, purported to be from XXXX XXXX center, The desktop display had XXXX XXXX in the background with several overlays We called that number which was answered by a XXXX XXXX from what she said was XXXX XXXX. She said that her XXXXXXXX XXXX was XXXX and she was a XXXX XXXX engineer. She said that this was complaint number XXXX XXXX. Using the XXXX + XXXX command, we brought up several lists, the first of which showed that my IP network number has been compromised by foreign entities, including XXXX. Another scrolled down thought my directory and showed at the bottom that XXXX XXXX software had been installed on my computer and several transactions using XXXX had been made to XXXX websites in XXXX. The line script was larger that the directory listing and it showed up at the very bottom of the screen. I was told to pull up and review my bank and credit card statements for any unusual activity, and there were none. I was then asked to give the Customer Support telephone numbers for my bank and credit card company, and to only answer the phone if one of these XXXX numbers called me or if she called under her secure line XXXX. The women then got off the line and said that she would return later, but to no use any of our phones or other devices until the matter was resolved. Shortly thereafter I received a call from XXXX of the numbers I had given her ( Wells Fargo Customer Support XXXX ) and was immediately transferred to another telephone number with a different area code ( XXXX ). A man calling himself XXXX said that he was from Wells Fargo XXXX department and upon reviewing my files he saw that three transactions had taken place between XXXX and XXXX XXXX that morning : XXXX preapproved transactions to foreign XXXX websites and XXXX to XXXX. In total he said they were a little over {$30000.00}. I told him that I had no knowledge of these. He then said that he could remove the XXXX charge for {$2900.00} but could not remove the foreign ones because they were preapproved. He said that the only way the others could be removed was for me to remove the {$30000.00} from my bank account very quickly and deposit it into a new account that I set up called Secure Banking in the Federal Reserve. At this point I was getting suspicious but decided to continue on to see where it led. He maintained continuous contact with me by cell phone as I drove to the bank. He asked that once I got to the parking lot, tell him. When I did so, he said that they believed someone in my branch was complicit and to no mention anything to anyone in the bank. He said that If I couldnt obtain all of the {$30000.00} due to cash on hand, take as much as I could. That would suffice. My suspicion grew stronger, but I withdrew {$15000.00} which is as much as they could do. Back in the parking lot I told him what I had, and he said to drive to a local XXXX XXXX and Gasoline center where they had a machine that could set up my account. So, I drove to the XXXX XXXX and once there he instructed me to go to the Bitcoin matching that looked like an ATM and set up my account, deposit the money and use a QR code that he supplied to my phone to complete the transaction. I was certain at this point that it was a scam and told him so. He said that if I needed further proof, he would have the IRS contact me to assure me that the bitcoin transaction would be done with the Federal Reserve with their XXXX XXXX. I hung up. Not five minutes later a call supposedly from the IRS showed up on my phone. Subsequently I have blocked all of their calls from all of these number and redeposited my money back in the bank. I called Wells Fargo Customer Support directly and they said nothing was out of the ordinary in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i reported fraud XX/XX/XXXX as well as recently in XXXX and XX/XX/XXXX. I have just recently discovered that i am a victim of identity fraud/impersonation/theft as well as a victim of sim swapping/hijacking on all accounts pertaining to myself online and offline even my mail. i have reported it to the sheriff and police. i have went in to wells fargo various times inquiring about checks being cashed and missing transactions, statements ewithdrawals, edeposits, international transfers, check cards, online bill pay, online statements, spending reports, my name not being correct, why the states have xhanged and are different, why myaddress was changed, signaturea to who has power of my account since im not the primary when i have never given anyone permissionto be on my account etc in which they have gaslighted me about all of thisand have not allowed me to close my account in the past which i tried to many times last year and this year to do so as well as refused to answer my questions and not printing out the fraud reports that i have already made prior to going in as well as recently. in which the suspicious copy pasted statements they wells fargo printed me are missing dates transactions etc resulting in them having suspicious behaviour to a point as when i went to show proper documentation of the fraudelent activity for XXXX plus years that has been going on without my knowledge XXXX banker lunged and grabbed the paperwork and wouldnt let go, they had me close my late mates account after XXXX years in XXXX XXXX which doesnt make sense because i tried to close it when he died prior to all of this in XX/XX/XXXX XX/XX/XXXX and they wouldnt let me and even now they still wont give me answers. then they decided to forciably close my account and denied my own access to get into my own accounts weeks before they decided to closed it. to which they are hiding something because the statements they gave to me are not mine or accurate. which has resulted is financial problems directly relating to my accounts that were on autopay. to where this is causing severe mental anguish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had my Wells Fargo credit card turned off during the month of XXXX because I had just started a new job. A fraudulent charge went thru the account around XX/XX/23 even though It was turned off causing a fee for it overbalancing. I end up disputing the charge instead of reporting fraud ( a mistake on my part ). The next month another fee hits with out the dispute being resolved so I called them. They informed me I filed wrong action and pointed me to the fraud department. While filling at my fraud report with the department I asked the lady if I would have to pay those fees back immediately or if they would get refunded when this was resolved and she told me they would be refunded and not to bother paying them. Also claiming the account would be suspended till resolved. The original dispute even though being 2 months old at this point was still in the system making it so I couldn't file a fraudulent claim. Neither one of the two scam department reps informed me of this and another month goes by and a late fee on the account that was supposed to be suspended. That's when I call an find out the original claim blocked the fraud claim for going into action and no one told me or contacted me. The dispute supposed to expire after a month so I didn't even know 3 months later it was still active. They have refused to refund any of the initial fees nor any of the subsequent fees from their incompetence with filing the scam report. I filed a complaint and the lady who filing the complaint hung up on me. Later when someone reached out and I pointed out what they want they tried to claim none of the fees where related and they weren't going to pay a single one back. At the very least the late fee for an account that supposed to be suspended is unfair but to deny the obvious fees for the charge. They also deleted my old card and sent me a new one deleting all records of the events.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed {$11000.00} to a scammer that was identified as a XXXX XXXX XXXX XXXX woman named XXXX XXXX. After a couple weeks of talking from a wrong number text, she convinces me to invest in a fake platform called XXXX it seemed legit at first as I was able to withdraw a {$30.00} profit from my {$100.00} deposit which is the amount I started off with. The scammer convinced me to invest more so my profits can be more. I put in another {$1000.00}. After making a few more profits that week, the scammer tells me to increase my account to {$10000.00} so my profits can be bigger. She says she gets inside info from her uncle to make these profits. I decide to put in another {$8000.00}. We're up to {$9100.00}. After a few trades, my account is at XXXX. I thought I made over XXXX. But when i try to withdraw the funds, it tells me I have to pay over XXXX in taxes in the next 3 days. After panicking, I pay a $ XXXX payment for the tax before realizing this is all fake. I saw reviews that night of this scammer and platform. I tried to get my money back from my banks but they tell me that I can't get my money back. This is very unfortunate for me. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo charged me thousands of dollars in NSF fees over the last 3 years. Even during COVID when banks were waving them I was still getting hit with fees. Accounts were positive at end of business day but somehow within hours negative and hit with all the fees. Never given the chance to even make the account positive. I was constantly told they are unable to refund due to the amount of reversals in the past 6 months was over XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Wells Fargo Froze all my business accounts leaving me with XXXX dollars to run my business that has a high daily spend limit for up to 12 days ( XXXX real days ) due to an internal error by wells fargo. A lawsuit will need to be filed against wells fargo for loss of work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In the past month I have had to reset my online banking password, and as soon as I log in just seconds later Wells Fargo iT Department disconnected my log on, I have changed my password 4 times and wells Fargo iT Department continues to " BLOCK '' all access also blocking my security alerts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I e-deposited a Wells Fargo bank check of {$96.00} ( XXXX XXXX XXXX ) to my XXXX XXXX XXXX checking account on XXXX XXXX XXXX. The Wells Fargo bank claimed it was paid, but my bank never received, hence, it reflected as a returned item. Wells Fargo staff said I need to contact the check issuer who claimed it's the bank that didn't pay.
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: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I purchased a new XXXX XXXX in 2011, I took a Loan with Wellsfargo dealership, I paid the cra Loan in full, I dont owe money to the bank, but my account is showing on Charge off, and its affecting my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: For background, with XXXX savings, you have the ability to put your savings money into different " vaults '' to reach goals ( ie : travel vault, home vault ). I created several vaults to help reach my financial goals with my new XXXX account. What I did not realize is that if you place money in your savings " vaults '', they are not actually in your main " savings account '' anymore ( ex : if I have {$5000.00} total savings in my XXXX account, but have {$4000.00} of that in vaults, then I really only have {$1000.00} in my actual savings account that is transferrable ). I was not aware of this. That being said : On XX/XX/XXXX, I tried to transfer money from my XXXX savings account to my Wells Fargo credit card account ( to pay most of my remaining balance ) - {$4900.00}. However, on XX/XX/XXXX, I got a message from Wells Fargo that my " Bank-to-Bank Payment '' was " Unsuccessful ''. I figured I must have done something wrong when linking my XXXX banking account ( maybe I got the account number wrong or the routing number, etc. ). So - I tried again on XX/XX/XXXX but this time with a bit more money, knowing that I had double checked the routing and account number and moved some funds around outside of my " vaults '' ( {$7200.00} ). On XX/XX/XXXX, I received another alert email with the title " Bank-to-Bank Payment Unsuccessful ''. At that point, I was frustrated, so didn't event attempt it again. Instead, I just paid most of my remaining Wells Fargo balance with my already-connected XXXX XXXX XXXX checking account, which went through. On XX/XX/XXXX evening, I went to use my Wells Fargo credit card at XXXX XXXX and got declined. I was very confused, but just used my separate card to pay. In the parking lot, I logged into my Wells Fargo account to see what the issue was, and saw immediately that my account had been closed and that I could call a certain number for more information. I called, and the first woman seemed confused as well. She then put me on hold for about 5 minutes and then came back and said she'd need to transfer me after talking to her leader ( higher up ). He then got on the phone and was incredibly rude, and when I asked why my account had been closed, he said for " abuse ''. I was shocked. I have never abused my credit card ( I'm not even sure what that means- he wouldn't tell me ). He said I would have to wait for a letter that would be sent via regular mail. No call, no email, just a letter that I have to wait for. I then transferred to leave a complaint. I have been a Wells Fargo customer since 2008 and didn't even get a call that they were concerned about my account ( nor was there an alert message in my account, nor an email saying that my account was closed altogether ). However, I did search my email and see a single email that said my account was " temporarily suspended ''. However no outreach to me occurred after that to tell me they were " permanently '' closing my account. I called back on Friday, XX/XX/XXXX to talk to a different person to see if I could get any more details. I mentioned that I think it may have had to do with my transfers being declined ( as there is truly nothing else that was off about my account in any way ). He was a bit more helpful and shared that it was in fact because of the transfers and that Wells Fargo 's rejected transfer limit is 2. I had no idea, and also would expect a call to verify that it was me trying to transfer funds, and to talk through any mistakes. He said my account was shut down by Security, not by Collections ( of course, because I had not been over any sort of limit ). He tried to transfer me to their security department, but they said they could not open my account back up. This is a huge deal- as I lose all of my credit history and my husband and I are about to put an offer on a house/ working with lenders! I got nowhere with my calls on XX/XX/XXXX. So called today, XX/XX/XXXX, and was transferred through regular calls to security/fraud department to customer services - everyone said the same thing- yes, it was because of these two declined transfers, yes, they are sorry, but no, they can not reopen my credit card account. They mentioned I could " apply for a new credit line '' but that defeats the purpose of keeping my credit history since 2008! I am at my wits end of what to do to save my account. It seems they are not going to consider it. I am awaiting the letter in the mail, but I doubt it will have any helpful information. I'm very concerned that I'm not going to recover my credit history ( and a bank closing my credit card will negatively impact my credit score ) over a truly honest mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A