Date Received: 2023-06-09
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: On XX/XX/XXXX, someone forged my signature and issued a super check # XXXX from my Wells Fargo business line of credit account # XXXX payable to XXXX XXXX XXXX XXXX in the amount of {$10000.00}. On XX/XX/XXXX, I saw this check cashed from my line of credit account, called Wells Fargo and reported this fraudulent check. I didnt write this check, I dont have this style of check and I didnt know any company named XXXX XXXX XXXX XXXX Wells Fargo temporarily refunded the {$10000.00} into my account. On XX/XX/XXXX, Wells Fargo debited my account with this check again and said the signature matched my account records. I called Wells Fargo again but they kept me waiting on the line with different departments and told me that they need 90 days for investigation. I reported this case to XXXX Police on XX/XX/XXXX with all the information I had. I also received a lot of calls and text messages from companies I dont know and they sent me some checks that I didnt write. I sent the fraudulent checks and text messages to the policed officer also. After 90 days, I called Wells Fargo again and faxed a letter on XX/XX/XXXX to request a re-open on my case. Wells Fargo denied my claim again on XX/XX/XXXX and said a second review still finds no fraud. I went to a branch and asked for help but the escalated complaint manager could only transfer the messages from the credit card fraud claims department. They sent me emails on XX/XX/XXXX and XX/XX/XXXX that my claim was still declined. I called XXXX police again and sent a email to Detective XXXX on XX/XX/XXXX. I am also faxing a letter to Wells Fargo again for the reconsideration of my claim on XX/XX/XXXX today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A transaction in the amount of {$800.00} was deducted from my acct using debit card. I disputed this transaction on XX/XX/23 as this was an unauthorized charge due to the loan never being received and canceled. I was informed by my bank that they were allowed an opportunity to appeal but I was never informed. Wells Fargo representatives told me that the decision making was up to XXXX and not them. I was told that I was not allowed to submit additional information even though the merchant/loan company was allowed to do so. I was not contacted until the claim was denied. I called several times and was transferred to several different departments with no answers to show for. I never received the loan as I canceled it before funds could be given to me. Wells Fargo representatives could not even find the amount on my account and just told me that I had no recourse with them and just had to pay the money no matter what. I explained that I could not afford to pay such a large sum and especially given its for something I did not receive. I need for the payment to be reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Im going to be very detailed On XXXX I was driving and briefly checked my email at a red light and saw numerous emails from Wells Fargo that my card was declined without even opening any which wasnt right. I immediately started calling WF, checking my purse for my card, and at some point started looking at my account. My debit card wasnt in the top small pocket I keep it in or anywhere else in my purse and the system said there was just over XXXX in my account which was way off from where it shouldve been so I started reporting this while finishing driving home and feeling like I was going to literally be sick and scared is likely the best word to describe it. I confirmed with the representative that my pin was needed for this to occur, the ability to withdrawal so much in a day and at some point asked what atm this was taken from. During this call I was asked additional questions about MY handling of the card and account information. I was even transferred again to discuss digital banking to someone else who just asked me similar questions. One question in a series of questions was if I shared my pin with anyone which I replied no to and I specifically remember ALMOST backtracking to notify them my daughter actually did know my pin but that it couldnt have been her because she had already left for XXXX and would not have done this. I honestly cant say why I didnt clarify this but as stated I was driving in rush hour traffic, I literally felt like I was going to throw up or start crying, and I knew she was well on her way out of town the last time I knew I had physical possession of the card and quite frankly likely didnt feel like explaining all that since it was irrelevant to this major issue and I know I just wanted to be done with the call and digest what happened and think or calm down..I was distracted during the call thinking about how this happened, a big portion of rent was now gone, trying to remember something about when I went to the ATM, how I was going to say something to my daughter..I was overwhelmed and leaving that out was completely unintentional. The incident occurred Fri XXXX. That day my daughter was leaving and wanted to get money from my account so I checked the mail for a replacement debit card I was expecting and activated the card in the app. My daughter went to the atm and came back stating she wasnt able to pull the money but was leaving anyways because she was already running late. Later I checked in my WF app to be sure I activated the card and saw my card was off so I turned it to on. A bit later I went to the atm to withdraw money to be sure the card was functioning and took XXXX out and thats the last time I knew I had the card. My daughter started a nanny job recently and her bank held her first check for around 3 weeks stating they had fraud with nanny checks so my daughter has had her pay sent to my account through XXXX I believe 3 times and shes paid weekly. She was set to be off the week of XXXX and she was unexpectedly paid for that week off along with her previous pay so her pay was double what it normally is. This matters because part of the theft occurred on XXXX and I sent my daughter XXXX on XXXX through XXXX and didnt notice money had been taken. I doubt that I even looked at the account balance at that time because I only realized I sent money after money was taken during the call with the WF representative and discussing the transactions I did know about and was surprised by that. I ALSO didnt realize the amount my daughter was paid either when I activated my card and then again when I checked to see why she had an issue at the ATM. I focused on the reason I accessed the app, not to check my account balance and this is VERY typical for me because Im always multitasking. Its because of that and my daughter receiving more than expected that I believe I didnt even notice an issue. It was also stated other reasons the claim was denied was because of location and withdrawal history of large amounts: I was told the withdrawals were made at the same ATM I last used my card so Im assuming thats where someone got and then used my debit card. Ive got no clue or guesses about my pin being used because I verified when making the claim that the pin wouldve been needed. As for large amounts being taken out Im not clear if thats because I stated I thought my limit was much lower than it actually was but I assume so. My daughter having her checks deposited and withdrawing the money would explain that. Additionally, I had a WF account a couple of years ago and for a few years and I withdrew money more frequently back then. I remember the limit was XXXX andI believe the same is true of my Mons account and she has been with WF for well over 10 years. I assumed that was still the case and was surprised XXXX could be taken out in one day. In retrospect my daughter has taken out more than that on I believe 2 occasions but I guess I never gave much thought to the amount she pulled out at one time and had no reason to ask. I also dont believe Ive personally withdrawn any large sum since opening this account. Ive obviously told a few relatives about this incident and mention that I had just gotten that debit card and hadnt even signed the back yet. Im concerned that claim history was used to justify this denial. Ive had two previous issues that required a claim. I bought a mirror on eBay that I returned, the seller didnt refund me, and XXXX said they wouldnt help because I didnt notify them when I shipped the item back. I explained there was nowhere in the process of doing the return I was told to and was told to call my bank so I did. The other claim was because I had charges from apple I didnt recognize. I actually XXXX it and my interpretation was that unrecognized apple charges isnt uncommon and the money was returned and the card closed. XXXX is a LOT of money to my family right now. I did not take the money. I do not know who took the money. I did not authorize this money being withdrawn. I wouldve been more than willing to provide clarification on any questions that arose and I notified my bank within minutes of seeing any issues, my situation is unique due to the circumstances mentioned above and my daughter needing to temporarily use my account. I explained most or all of this and was told my claim will remain denied due to WF procedures or policies and this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: We have a Buisness Loan with Wells Fargo ( XXXX # XXXX Acct # XXXX ). During COVID we were not required to pay on the this loan for several months. This Buisness Loan is under XXXX XXXX XXXX XXXX XXXX XXXX The loan matured on XXXX/XXXX/XXXX. There was a remaining principle ammount of {$20000.00}. There were funds in the account to make the monthly payment but, Wells Fargo did not take it. I have been to my local Wells Fargo Bank in XXXX every week since this occurred. The local Wells Fargo Bank ( POC : XXXX XXXX. XXXX ) intially filed a complaint ( # XXXX ). After a week I got a call from XXXX XXXX in the resolution department for Wells Fargo ( XXXX ; Complaint # XXXX ). We were told that that our relationship manager would have to make a Loan Modification or extension. This would come from a Commercial loan Representative because, the loan was a Commercial loan. I was instructed to return to my local Wells Fargo Bank. This time the Bank branch manager got me two points of contact in the main office ; XXXX XXXX ( XXXX ) & XXXX XXXX XXXX XXXX ). I waited 3 days as requested and began to call weekly. All I got was voicemail with XXXX XXXX. No one every has called back. I went back to my local Wells Fargo Bank and asked what to do. The bank Manger E-mailed both XXXX XXXX XXXX XXXX. We have heard NOTHING. It has been over a month since our last statement. I request assistance. We do not want to default on this loan. We can not afford to completely pay off the reamining balance of {$20000.00} that occurred because of the Cares Act. We are afraid that not only are they going to take my buisnesses building but, also my home that was used as collateral for this loan decades ago. Yes, my home is payed off. Please Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: i had an account loan with wells fargo for my vehicle which was a XXXX XXXX XXXX which they repossessed without any calls or notifications. They added several fees to my outstanding balance and did not give me the chance to try to get my vehicle back before they sold it through auction. Wells fargo was aware i lost my job and was unable to pay and should have given me options such as applying for a hardship. They didnt offer me anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76011
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been with Wells Fargo since XXXX until the present ... I'm completing this complaint because of the lawsuit you have going on because I have had problems with overdraft fees and illegal activities
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a water loss at my primary residence. My insurance carrier paid the loss to me in full however, I was required to sign the check over to Wells Fargo. In order for Wells Fargo to release my money back to me I need to schedule an inspection. Wells Fargo has been unable to get a hold of the inspection company to schedule an inspection. Wells Fargo will not release my money. They owe me over {$69000.00}. My claim process from beginning to check being issued by XXXX was faster and more efficient than me trying to get my money back from Wells Fargo. I am 70 % complete with my job and have stopped work for lack of funds. I am requesting payment of {$50000.00} immediately with the balance to be paid in 10 days with or without an inspection. I sent a letter to Wells Fargo CEO and Board of Trustees 3 days ago with no response. I opened a Wells Fargo Complaint Case # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I feel well fargo owe me money due to the amount on the online banking never match the amount I have in my account and it always show the wrong amount which me to have a over withdrawals fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: First this isn't new I just never reported it prior and I saw a new settlement with Wells Fargo over this sort of thing so I decided to report what they did to me now. My name is XXXX XXXX and my address during the loan was XXXX XXXX XXXX XXXX XXXX NC XXXX. They should be able to find my loan based off of that. My spouse was a coborrower on that loan as well his name is XXXX XXXX. This incident occured in XXXX or XXXX i believe. He had just started a new job and we were waiting on his first pay check. Our car payment was behind do to this issue. We were roughly 4 years into our 6 year loan id guess.The transmission had already dropped out so the car was nothing more than a yard onmanent but we didnt want bad credit so we were doing our best to keep it up. At that time we had 2 payments due. I knew we were allowed 3 deferals over the life of the loan and we had only used 1 of them at that point. I explained this to my spouse and i told him to call and ask them to go ahead and activate our remaining 2 deferments. So he called in and explained to them all I've stated here and requested that they activate our remaining 2 deferments we still had which would put us current with a new payment about to be due. They agreed on the phone that day to activate them for us. Then we told them when his first payday was with his new job and that we'd pay the next payment just coming due at that time. He said he noted that in the account and he put in for our deferments as well. When XXXX got paid his employer didn't let him off that day till after bank hours had closed so he wasn't able to cash his check. So we had no choice but to wait till the following business day to go into the bank the check was written from and cash it. We cashed it the followimg business day then I called them to make that paymrnt. It was Monday afternoon and I explained I was calling to make that payment we had told them we'd make the prior Friday. The rep came to the phone and informed me that they couldn't take my payment because earlier that morning they put in for a repossession of the car. I said no you must be mistaken you couldn't have done that becauae this is the only payment due on the account. I then explained we activated our 2 remaining deferment and they agreed to it so this can't be. He came back to the line after a long pause and told me that it is for sure in repossession status as of that morning and from what he can tell the 2 deferments were contingent upon us keeping our promise to pay on that prior Friday. I told him we weren't told that we were told it was done already and when we told them his first pay it was to give them a ball park as to when they could expect the next payment we weren't aware we were setting it in stone because had the 2 deferments been granted as we were informed was the case then that payment was barely even due and wasn't past it's grace period. I said therefor i had no reason to think i was setting that in stone I thought i was giving them a general idea nothing more and i most certainly wasnt told my deferments were on the line if the payment wasnt in that Friday 's its quite the opposite i thought that was already set in stone that is what the rep lead me to believe was the case. So i said i told him we needed him to fix this now and that obviously never happened bevause im writing this now ... I never reported this back then but I decided to do so now since I read an article about similar customer abuse as to what we encountered with them ourselves. So I wanted to make you aware you can add another customer to that long list. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello. XX/XX/2022 my parents bought me an XXXX and XXXX XXXX from XXXX XXXX and charge was XXXX total and they used my card to do so. At the same month I returned the items because I didnt like them and I wanted to use the money to treat mom and dad for vecation. Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see whats going on. I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. Its been 6 months and I got a letter saying my dispute is denied. I been a customer for over 20 years. Never ever had a bad experience like this. I want my money back and I dont know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact Apple Store Please help me out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A