Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently went to qualify for a home loan and to my surprise an old Wells Fargo Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. Wells Fargo says the can make no representation on how the account appears and Im at a lost.
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: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30260
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: Funds not handled or disbursed as instructed
Consumer Complaint: They incorrectly charged overdraft fees on debit withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent multiple times. When trying to access or deposit larger amounts of money ( ex : {$5000.00} ) my money was frozen or denied access for deposit without me giving them the purpose of how I was using my own money, this example was approximately XXXX to XXXX of XXXX. On multiple occassions, the same debit/credit withdrawal was withdrawn duplicate times at once causing overdrafts in my accounts/and multiple overdraft fees that then caused negative account balance to be greater and bills that auto-deduct coming out caused more overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 355XX
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: Fee problem
Consumer Complaint: I received a letter to my old address on Wells Fargo letterhead dated XX/XX/2023 that I had not cashed a check dated XX/XX/2023 sent by Wells Fargo " due to account closing issues ''. I never received a letter explaining the check from XXXX to current. So, I was hesitant to call the number on the letter and instead, called Wells Fargo customer service. I was transferred to 4 different people and 3 of the 4 told me they didn't know anything about me receiving a letter/did n't have enough information from the letter to do anything for me. Finally, I was transferred outside of Wells Fargo to a rep that stated they were the third party teaming with Wells Fargo under the settlement to issue payments to clients for wrongful charges. The rep was able to resend me a check to my current address and with my current name but was unable to explain what I was being reimbursed and from what year. She explained that I needed to talk to customer service, which I was transferred to. The Wells Fargo associate told me that because I had no accounts ( opened or closed ) associated with the account number on the letter, that they could not look up any information to find the activity that warranted the refund. I explained that I have only ever had a checking and savings account with Wells Fargo and their account numbers never changed and I asked her how the number could be different. She was unable to explain the random account number and unable to give me any basis as to where the check amount came from. I spent over an hour on the phone looking for answers and no one was able to help. i was told that the letter had an account number that I do not have with Wells Fargo and that I needed to give them the full account number on the letter although only the last 4 digits were included. This number did not match either my checking or savings account numbers. They also checked to see if there was a closed account with that number and confirmed there was not. This raises concerns as to why the letter would say that the check was due to account closure issues. I find this concerning and frustrating that I was not informed on where the check came from and how the number was calculated. I am unable to check the accuracy and must rely on Wells Fargo, who was negligent in the first place, to be accurate on this correction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30501
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I called my bank Wells Fargo regarding a lot of unknown deductions made by them. I was seeing a constant {$10.00} deduction without explanation. Every time I called about it, I would get the same response They said it was extra charges but they weren't able to tell me what those charges where for. One said for not having a certain amount of money in my account. But I always exceed the amount I was told. So since that wasnt the case i was asked to go to a branch to ask them the question and have them situated. When I went, I was told they didnt know why and that I had to call customer service. At the end of the day no one helped me and I still dont know what all those {$10.00} charges where for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a line of credit, /credit card with Wells Fargo . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the representation/customer service went to review the summary of charges, they found that for {$3300.00} from XXXX XXXXXXXX XXXX XXXXXXXX was charged on my card which I did not authorize on XX/XX/2023. ( Several days after it was noted that my card was lost which was XX/XX/2023. Wells Fargo initially went through with my fraud claim, but later rejected it. This is the first time I seen a XXXX XXXX XXXX XXXX charge with my Wells Fargo account. I have never made CC charges with the XXXX XXXX XXXX XXXX merchant in the past. The unauthorized fraud charge of {$3300.00} from XXXX XXXX XXXX XXXX is still on my Wells Fargo CC account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$300.00} Wells Fargo said theyre looking into it and in 10 business days they should have my money back is what I was told by XXXX on the phone a representative he said Ill have my money back guaranteed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I made an attempt to make a purchase and the sale was declined 5 times, due to the time restraint and the fear of my card being locked, the purchase wasn't made. When I arrived back in the country, I became sick and was placed in XXXX. My wife assisted me with calling Wells Fargo because I kept getting message about a low balance to my account. At the time of the call after reviewing the account online, we noticed the 7 declined transaction was posted to the account which prompted us to do a claim. The claim went thru and I was told they would investigate it and let me know. After a few days, I was told the charge is valid and the I would have to go into a branch and show them receipt of the failed transactions. I did that on XX/XX/XXXX and was told there was nothing Wells Fargo can do. I called the vendor and they said the bank would have to reverse the charges. I have been a bank holder with Wells Fargo when they were XXXX. I trust my money should be protected when I add funds to the account which seems like its not. I would like to file this complaint because I've don't all the I can do as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My XXXX was compromised and someone accessed my bank account and was withdrawing money slowly so I did not find out of the hack. The hacker was withdrawing money around XXXX to XXXX when I was sleeping. They were buying something on a website called XXXX. The used an old ID to request loans that were denied thankfully. I contacted Wells Fargo to file a claim. They closed the case without even reaching back to me. They did not give any details of the claim, they just closed. I called them back because it has been a week since I first contacted them, and that is how I found out the claim was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO/DILLARD used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO/DILLARD reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A