Date Received: 2023-06-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Complaint # : XXXX CFPB shows it as closed. It is not! My response : This dance that I have been engaged in with Wells Fargo now ends. We have been going in circle for sometime. Now ends means, I am not playing their game anymore. They keep telling me they are looking into it which is nonsense. It's been ongoing for a very long time. Surely they can see that I am relentless and that I do intend to follow through with this agency as well as numerous other legal and consumer entities. If they find the recorded phone call that I made about opening a savings account they will hear their representative clearly and unequivocally state that I had to make regular {$25.00} deposits. I was told nothing about a $ 5 monthly fee. The fact to date they offered and sent me pittances in response to my complaint shows more than a little guilt and responsibility. Add to that the negative news they have received regarding their practices where employees had with quotas to meet or lose their positions. Inn one of their recent correspondence with me, I was given an entity to which I should direct my attorney as if a lawyer needs such direction, especially from a defendant. There is no reason not to believe that their records have not been altered when they declare that I had not made {$25.00} deposits. I definitely did for a very short time span when I realized something was not right about that practice, i.e. being told I have to deposit {$25.00} a month minimum, taken from the checking account I had at that time. I actually believed that if I wanted a savings account with them, I had to meet this requirement. Further, their mediation process was a joke. No mediator, just a messenger carrying my responses to the company. I have frankly had a bitter taste about this for many years as my accounts have been hand to mouth so this caused emotional and financial strain which resulted in what I requested for a once and for all settlement of {$25000.00}. I have had a credit card checking account and savings account ( XXXX ) with Wells Fargo. All closed. When I tried to open the savings, was told it was mandatory that I deposit {$25.00} a month for it to remain open as a viable account ; This proved a financial strain and some stress. I eventually closed and withdrew what savings I had in it. It was a news item that fake accounts were being opened by Wells Fargo employees and false information given out in order to meet some quota which many employees did to protect their jobs. This is public record. In other words, the door was opened to fraud. I, among others, was lied to and mislead. I contacted them about this and how I had been caught in the web of this fraud. I heard from them in XXXX and was given {$1500.00} as compensation and told that I was still eligible for arbitration. They also read to me a list other accounts I was alleged to have opened or applied for including an application for homeowners insurance, something for which I never applied. They provided a hearing, XX/XX/XXXXXXXX with a mediator and one of WF 's personnel. My understanding of having a neutral mediator was that she or he would hear all sides and make a determination. This " mediation '' was no more than having a messenger going back and forth with proposals and offers which I could have handled by myself. They contend that I never made one of those {$25.00} payments and sent the mediator and I paperwork as " proof. '' It's not true, or I would not have gone back to close the account as being a hardship and part of the pressure they put on employees to open accounts ( even bogus ). There is no reason not to suspect and believe that the above paperwork was not doctored especially in view of their known fraudulent practices. When I filled out the forms, in the space for compensation, I entered {$25000.00} which would minimal considering the material and personal toll dealing with them took. Finally, the mediation, such as it was, ended with a measly, insulting {$150.00}. I can and will continue with my pursuit of justice which will include media and through the legal system, or they can adjust this now and be done with it. Considering their history and reputation there is no reason not to believe they doctored my account in their favor removing any mention of {$25.00} payments. In fact, I most likely would have allowed that account to exist had they not taken {$25.00} from my checking. I closed the account taking out the {$350.00} deposit plus any {$25.00} payments. Former employees of Wells Fargo have spoken of a toxic high-pressure sales culture at the bank drove some workers to deceive customers and open unauthorized accounts even in the bank 's own headquarters building in XXXX XXXX XXXX Wells Fargo is embroiled in a scandal for taking advantage of customers by opening as many as XXXX XXXX accounts without their consent. The bank fired XXXX mostly lower-level workers over the wrongdoing. Thank you very much, Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Excessive overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo again refused to respond to my issue, 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:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX told bank that the XXXX XXXX and XXXX XXXX and XXXX XXXX was not authorized the A credit company was canceled 2 months back, bank even put a stop payment, told the company that they had no claim to the money they took, all I got was a oh well, and I asked the bank why did they give the money after the stop, they said well they asked for it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account with XXXX Mastercard was frozen due to a security concern. I made the following attempts to call the company to work to get the account fixed : XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. XXXX XXXX XXXX EDT - I called and reached a customer service rep. They connected me to security, where I waited on hold for 30 minutes with no answer. XX/XX/23 XXXXXXXX XXXX EDT - I called and reached a customer service rep. After 35 minutes, they were able to get a security rep on the call. The security rep got some information from me ( I confirmed the activity they thought was suspicious ) and then she put me on hold. She then hung up. The security rep 's name was XXXX I am unable to use my card, and I am unable to pay my statement balance on this card. I have automatic monthly transactions that were declined. I also need to pay my balance so that I don't have interest or late payment reported. I have overall spent nearly 3 hours of my own time trying to contact somebody to fix this issue, and in the end I was hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX unauthorized charges filed on debit card. Worth XXXX dollars in total. XXXX is claiming none of the charges pop up on their end. I filed a claim through wells Fargo XX/XX/23 and it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30721
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: The wire transfer send from my XXXX bank XXXX Wells fargo bank account on XX/XX/XXXX went through on the same day but wasnt put on receiver account. Wells fargo ask for additional information on XXXX which is not required for wire transfer under XXXX ( my address, tax id, nature of business ) but my bank didnt notified me even I called multiple times. Only when they allow me to open case on wire investigation they ask me for that additional information which was provided right away but money was still not deposited. The seller cancelled my transaction I have additional fees and expenses go with that. As today XX/XX/XXXX over 20 days after transfer was send, money is still not deposited and not returned to me. Wells Fargo not responding to my bank representative, my bank telling me to wait and there is nothing that they can do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Saturday XX/XX/XXXX my Wells Fargo debit card was hacked. I called phone banker. He wouldn't close it, assuring me their system would decline any suspicious charges made with it. Sunday XX/XX/XXXX, XXXX XXXX CDLS time I got email from WF that a charge on my debit card was denied. I immediately called phone banker. We both opened my account. XXXX fraudulent charges went through bringing my account down from {$5400.00} to {$80.00}. I filed fraud claim # XXXX & personnel claim against banker who wouldn't close my debit card, claim # XXXX. The fraud claims specialists paid my account back {$350.00} on XX/XX/XXXX closed the case & then reversed those those credits by about {$150.00}. Claim was reopened. # XXXX. The findings for the banker claim said basically " sorry for the inconvenience, but we are doing nothing about it '' & closed that claim. The resolution on the 2nd fraud claims case will be made Friday XX/XX/XXXX. I highly doubt I will get much if anymore money back. All along I've been told '' don't worry, you'll get your money back, but they've done almost nothing so far. Please make them restore my fraudulent losses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Wells Fargo complaint. My home was foreclosed on in 2016 because they wouldnt help me when I got divorced. This caused me to file bankruptcy too. I saw the ads for you maybe owed compensation from them but I havent saw anything, maybe because I moved so long ago that they dont forward mail from my old address anymore. I wanted more info on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Around XXXX. I applied for a loan modification. They told me not to make payments while they were in the process of making a determination. This took several months. By the time that they notified me that I was denied, they had my name in the newspaper and at the chancery clerks office that my home was in foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A