Date Received: 2023-06-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bilt Mastercard ( run by Wells Fargo ) was negligent in their duties to offer functional payment of my credit card debt. 1 ) Their Bilt Mastercard website redirects all autopayment requests to a cell phone app 2 ) But that cell phone app is faulty and doesn't allow me to login even though I'm using the same username and password as the Bilt Mastercard website So I was left with a broken system for setting up the autopayments and I struggled for weeks with trying to login to the Bilt cell phone app to get payments setup. This broken payment system went on until a late fee showed up. After that late fee showed up, I complained to Bilt Mastercard about their broken autopayment system, I paid necessary debt immediately, and they waived the late fee. But they left the late fee on my history. So now I'm left with harm to my credit history by having this late fee on my Bilt Mastercard history. So I request the CFPB help me request Bilt Mastercard to remove the late fee from their history, so that the credit agencies do not see any late fee history. Bilt Mastercard recommended that I setup a dispute to get my request accomplished. They agreed that I execute a CFPB complaint and that I send a dispute as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number : XXXX Card Number Number : XXXX XXXX XXXX XXXX Social Security Number : XXXX XXXX : XX/XX/1978 Fax to XXXX Credit Bureau Dispute Resolution XXXX XXXX XXXX XXXX XXXX, IA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. Wells Fargo Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was late on my account this month due to being paid later. I tried to log in and could not make a payment. I could not move through the payment process without adding money to either my principle or my escrow. The blue CONTINUE option button would not illuminate until at least XXXX cent ( XXXX ) was added to principle or escrow. Once I was forced to add XXXX cent ( XXXX ) to either option I could navigate to the next option to try and complete payment. Once there the calendar came up and I was not able to select a date to send the amount on. I was unable to select the current day or the next day. I also received and error that " You do not have at least two eligible accounts to transfer money. '' My new account has been linked since at least since XXXX. Payments has been made and taken out of the account. When I tried to complete the process I received " Your transaction could not be completed eat this time. Please try again later. For questions, call XXXX ( called two times ). I called into that number and after my account was brought up it states they were unable to process my call and I needed to speak with a customer service representative. I also called XXXX ( called two times ). Told the same thing. I was able to call XXXX and finally make a payment. While making the payment I did not have the option to not pay late fee, which usually an option when online payments are made. I called in to figure out what was wrong the account and was told that the new account that i had been paying with since at least XXXX was not verified. I spoke to XXXX customer service agents and XXXX technical assistance and had to basically beg for an escalation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We notified Wells Fargo about a XXXX transaction that was fraudulent within hours of the transaction. We agreed to purchase XXXX XXXX concert tickets for {$1200.00} and soon found out that the person had hacked the person we thought we were dealing with. They said they would investigate the instance and request the funds back. They reached out to the bank and the bank said the money was no longer in the bank. They really didn't do any investigation and with the amount of money involved it is considered felony as one they were impersonating another person and we were promised tickets for the money which is theft. I don't believe they even remotely tried to get our money back. We have all the communication with the said person saying they would return the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57103
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Increase of mortgage amount on : - XX/XX/2022 by {$93.00} - XX/XX/2022 by {$36.00} We have a fixed interest rate mortgage and never agreed to any escrow increases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80234
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi CFPB Team, My Name is XXXX XXXX, This is the second complaint in this portal, the first one is XXXX5, Im filing this complaint again as the Bank ( Wells Fargo ) people did not help me get my funds back into my account. There are many unauthorized transactions in my account that I did not authorize. This conversation with bank people has been going on for many months. Yet they did not resolve the issue. After realizing there are many unauthorized transactions, I contacted the bank to help me with this issue. I filed a claim with Claim no XXXX. First, this case is given to XXXX ( Investigation Officer ), and I don't know what he investigated just denied the case, saying, I knew about these transactions. After rejecting it they sent a letter to me, saying I'm responsible to contact the merchants who deducted money from my account. So, I tried communicating with merchants XXXX, XXXX, XXXX and XXXX. I had an email conversation with the merchant, that I dont have any accounts with them and asked to verify by providing my ID and address proofs to the merchants. After verifying in their system, they are ready to help me but not directly they mentioned contact through officials and bank people. I conveyed the same to the Wells Fargo Bank, but the bank people did not contact the merchants, they clearly are not investigating this case properly. I lost all my savings, but Bank people are not helping to get my money back. After so many conversations with Wells Fargo Bank, this case was again given to XXXX XXXX XXXX XXXX, another investigator. I explained everything to him, but he also refused my claim saying that I knew about these transactions. Im fighting for my money, which I lost. They really dont care about the customers. I tried reaching customer care several times and asked if I can talk to XXXX, after so many conversations finally XXXX called me, and after listening to my concern, he files a CCN complaint with reference ID XXXX on XXXX of XXXX XXXX This CCN complaint will take another 120 days to get resolved. Im just waiting here, to get my money back. I dont want bank people to invest so much in this, just contact the merchants, and inquire about my information in their systems by showing the email conversation I gave to the Bank and these merchants are ready to help, they will give my money back. But Bank people clearly said they will not contact the merchants. CFPB team, please help me to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo Bank. Late morning on XXXX I deposited a check in the amount of {$350.00}. I had moved from one apartment complex to another apartment complex, and the check was from the property management company of my former complex -- a partial refund of the deposit I had paid when I had moved in. The management company ( issuer ) is XXXX XXXX- a MAJOR property management company in The US. //// I did some shopping. Went home. Checked my checking account via XXXX. The check was in my checking account and available for use. So I paid some bills with the money. //// At XXXXXXXX XXXX., on XXXX, I received an email from Wells Fargo : " Wells Fargo deposit hold alert ''. ( I still have that email if you need to see it. ) That was THE FIRST I heard that my deposit had been put on hold. Since I had " overdraft protection '' my bills that I had paid -- they did not bounce. However, WF took money from a Wells Fargo CC and paid the bills. //// I went into the bank and spoke with a banker -- but got no relief. I didn't think that I should have been 'charged ', via my CC, for covering the bills ( and I still don't ). It was only {$25.00} that WF took from my CC, but I don't think that I should have to pay the increase in interest on that {$25.00}. I KNOW that it's only {$25.00}, and the interest will hardly break my bank. As the old clich goes, 'it 's the principal of the thing '. ALL of what WF did was without my knowledge -- well, it was without my knowledge, and I was not notified of any problems until approx 15 hours AFTER I had deposited the check and paid bills on it. AND the banker wanted me to feel sorry for WF. He said to me, among other 'tear-jerker statements, that I had no idea how many fraudulent checks that are deposited in WF 's accounts each and every day. So I should feel sorry for WF? His 'stuff ' was the last straw. I would like that {$25.00} to not have the higher interest rate. And I want someone to know that WF is up to its shady banking practices once again. Thank you. Oh, I told him that I was filing a complaint with CFPB -- and he offered to do it for me. LOL Yeah, right. I declined his kind offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 three ( 3 ) blank checks with no signature was allowed too go through my account. I rarely write check but I did write a {$3.00} check to a medical merchant on XX/XX/2023. Instead three individual checks for {$100.00} dollars were sent through my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2023, i came to wellsfargo branch in XXXX california XXXX XXXX to deposit XXXX cash and the lines waitting too long so i decide to do atm deposit so i can go to work, when deposit machine atm return XXXX and said XXXX and print out receipt XXXX cent for me, i came in side branch and talking to banker, the man seem to be manager told me to call the number on receipt after 30 min he will will fix atm and update to my account, since then i keep calling bank XXXX and get hold on phone more than an hour then they said i have to wait 10 days, then i came back to the branch in after noon at XXXX XXXX and spoke to the man seem this morning and he said give it XXXX XXXX, and next day morning i called bank because no money deposit to my account exept XXXX cent since yesterday had posted. the bank keep tell me wait 10 days i said i deposit cash and fund should be available imediatly for use and manager branch said they did clear the atm and fix and should be update to my account by now and why everytime i call the bank and have to wait 40-60 min on hold and end up said i have to wait for 10 days? and i have no ideas where my cash deposit gona and they dont even tell me. im search on XXXX wellsfargo stolen atm cash deposit and there are so many result came out and they lost money to wellsfargo atm deposit and never get it back and i keep reading until i see people post this page for me to files complaint. please help i need my money back and the bank seem ignoring.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX, NV Highway Patrol, stating that I was being investigated for fraud & money laundering, in Colorado. She then connected me to, XXXX XXXX, XXXX # XXXX, phone # XXXX, who identified himself as a representative of the above name entity and FTC. He gave me the names of XXXX XXXX XXXX XXXX XXXX. Both of whom I know. I later found out that XXXX XXXX was arrested for Fraud & Money Laundering. XXXX XXXX stated that in order for me to be protected, I had to send money from my Wells Fargo account to another Wells Fargo account, located at XXXX XXXX XXXX, XXXX, CA XXXX. Routing # XXXX, account # XXXX XXXX XXXX XXXX XXXX. Unfortunately, he sounded very convincing & I did it, in two increments. One for {$6500.00} & another for {$1200.00}. I realized, a little late, that I was being scammed. On XX/XX/2023, I went to my Wells Fargo to report it. A gentleman, by the name of XXXX, helped me & called the Wells Fargo in California. They started the investigation & said it would take 12-15 days. The {$1200.00}, was returned to my account. However, the {$6500.00}, never was. I received a letter from Wells Fargo that they were unable to reimburse me & that the inquiry is closed. Claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A