Date Received: 2023-06-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear CFPB, For some reason, sometimes my bank " w # lls fargo '' back charges fees., for example today is XX/XX/2023. I go back a few days, I do not see a banking fee charge on XX/XX/2023 as usual., however, tomorrow XX/XX/XXXX, I may go back to the XXXX or XXXX, I may then see the expected charge ( e.g. {$15.00} USD ). Wells Fago is located by my usual home residence in the XXXX zip code XXXX XXXX, XXXX XXXX, CA XXXX.
Company Response:
State: CA
Zip: XXXXX
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: XXXX XXXX XXXX XXXX XXXX XXXX, Pa Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Regarding Wells Fargo, My Mortgage Provider Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo XXXX my mortgage provider, regarding their handling of my mortgage account. I am deeply concerned about their lack of transparency, communication, and potential mismanagement of my account following my exit from the XXXX forbearance program. On XX/XX/2023, I received a letter from Wells Fargo stating that, during a review of my account, they had identified potential errors in recording whether the contractual mortgage payment should have resumed after my exit from the XXXX forbearance. The letter further mentioned that they may not have provided me with the most suitable payment and term options. While they included a {$200.00} check as a gesture of goodwill, this amount does not adequately address the gravity of the situation and the potential financial consequences it may have for me. Feeling concerned and confused, I immediately contacted Wells Fargo to seek clarification and further information. Unfortunately, the representative I spoke with was unable to provide me with any substantial information. Instead, I asked that she mail me an arbitration form, presumably as a means to resolve any disputes. However, to my dismay, I have yet to receive the arbitration form despite a significant amount of time having passed since our conversation. This series of events has left me deeply troubled and worried about Wells Fargo 's actions and intentions. Their failure to communicate effectively and in good faith, as well as their inability to address my concerns adequately, leads me to question their commitment to resolving this matter fairly and transparently. As a customer, I believe it is my right to be kept informed and receive timely and accurate information regarding my mortgage account. I also expect Wells Fargo to act in good faith, addressing any errors or inconsistencies promptly and providing suitable resolutions that align with my best interests. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate my complaint against Wells Fargo to ensure that appropriate actions are taken. I also urge the Bureau to hold Wells Fargo accountable for their lack of transparency, poor communication, and potential mismanagement of my mortgage account. Enclosed with this letter, please find copies of the letter I received from Wells Fargo, as well as any other relevant documents that support my complaint. Thank you for your attention to this matter. I look forward to a swift resolution and your assistance in ensuring fair treatment by Wells Fargo. Yours faithfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18966
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: Banking errors
Consumer Complaint: Dear CFPB, On regards to complain number XXXX from the CFPB I originally filed, I want you to know, the bank Wells Fargo XXXX has just credited my banking account for the fee. Thanks for your efforts, and for closing these XXXX XXXX complain eligible cases. XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for an apartment to rent in XXXX, VA and came across a listing on XXXX marketplace. So I contacted them via XXXX and then they sent me additional information via email. So I found it a reasonable deal and they looked like good people but I hadn't seen the house or met the person face to face. They sent me lease documents and payment receipts for the {$750.00} security deposit plus {$750.00} one month 's rent. Then later they sent me a text message saying they can not Access their XXXX account and that I need to contact my bank since they can not contact their bank from their end. I tried but the bank denied the claim and I couldn't get the money back. But meanwhile, the renters said in order to keep the space and because I signed the lease I still need to pay atleast {$750.00} deposit. I was hesitant but still paid it thinking they legitimately couldn't Access their previous account, and my mistake that I didn't consult anyone else on this matter. Then after this they sent me a receipt of the payment. But after this they started pressurizing me to pay for 6 months rent upfront saying that the owner is facing foreclosure and that they would be grateful for any help they can get. But for the earlier initial {$1500.00} dollar we hadn't gotten the money back. So I was hesitant and denied to pay and accept this 6 month offer. But they still kept on pushing and then I finally said no. Then they didn't contact me for a couple of days. But then, I didn't hear from them regarding any updates so I contacted them and told them that I wanted to cancel the lease because I wasn't feeling comfortable dealing with them and I was having doubts it was a legitimate posting. I told them to cancel the lease but they said they need extra {$300.00} payment for Attorney and cancellation fees. So I informed them to just deduct it from the second {$750.00} deposit that I had paid. But they were not ready to do that, they kept on insisting I pay them extra. And telling me that they would return the money as soon as they recieve the additional {$300.00} and the contract would be void. But my suspicions were growing so I told them I can not pay the extra XXXX and I didn't have that kind of money anymore. So I told them no. And after that I haven't been able to contact them anywhere. And {$2200.00} of my total money had been taken by them. I filed a fraud claim with my bank and the bank refused and denied the claim saying because the transaction was completed through XXXX, they can not do anything. I have no other option but to file a report here because I am a student and that was all my savings that I put on the apartment and now there's no way of retrieving it. I xannot contact the apartment renters and the bank has given up and can not help me, so I don't know what else to do.
Company Response:
State: ID
Zip: 83202
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I took over the care of my XXXX who has XXXX. I spoke to my bank before depositing her check into my account. I was told it was ok to do so on XX/XX/XXXX so I did. On XX/XX/XXXX the check cleared and the bank froze my account. I brought my XXXX into the branch with me and they stated they would be closing my account and will be sending our money in the mail. I was totally confused because I was in the process of adding her to my account and I've never had any problems with my account. They closed my account on XX/XX/XXXX and told me several times on the phone I would get the funds. My last conversation with them they informed me I would not get the money from my account and would not communicate with me further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had someone call scam me representing my bank for 2 debit card transactions on XX/XX/2023. The caller ID even said my bank name. I immediately upon hanging up with this man called my bank and told them what happened in detail they submitted my claims. Which are now as of today closed and they have said that they were authorized transactions. They infact were not authorized by me but by someone that called me representing my bank. They were for International airline tickets in the amounts of {$310.00} and {$620.00}. I tried to dispute the closed claim and was shut down I tried to speak to the airline and they said that no one else could possibly use my cards with out authorization. Please help me to fix this. How is someone soppose to protect themselves if someone can get into the bank system and call from their number and send you an authorization code to speak with them from the bank. I have had my card info stolen before and the bank has been able to see that those transactions were clearly not me but this time they said that there was no information where these transactions originated from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ around XXXX I was contacted by an individual claiming to be with Wells Fargo . the number they used was the Wells Fargo customer service number that I confirmed from the back of my card as soon as they called as well as verified with Wells Fargo later that day. The person in which I was speaking to started saying that I had suspicious activity on my account and read off the charges to me. Before giving this person any information whatsoever, I went on to my account and saw both charges in which she referenced. Both were atm withdrawals totaling {$1000.00}, one for {$770.00} and the other for {$230.00}. The location was 2 hours away from where I was at that particular time. Again, at this point I had provided no information that could have been used to access my account. Seeing the charges and having the person that claimed to be from Wells Fargo reading back to me what fraudulent transactions were on it I felt no reason not to proceed in the process that I thought was closing my debit card. upon seeing the charges, I immediately turned off my debit card and continued going the process I thought of deactivating the card and getting it replaced. shortly after the call was over, I had notifications that someone had tried to use it again for 2 transactions of {$2100.00} at a XXXX but fortunately the card was already off. Shortly after the call was completed, I went back on my WF account to check it and noticed the card was turned back on. At this point I became suspicious and reached out to WF myself. this Is when I confirmed that the original person that called was not with WF but oddly enough used the same exact prompts as the person I was now speaking with. A dispute was filed, and I was told I would know within 10 business days. On XX/XX/ I log into WF to check the status of the dispute and it has been closed. I call WF and have it confirmed that it has been closed but they determined it not to be fraudulent stating that my physical card was used even though it was in my hands 2 hours away from where the fraudulent transaction took place. As of today XXXX I asked WF to resubmit my claim. Also, I don't understand why WF did not notify by email that my claim had been closed... very unprofessional. I understand being scammed but I was not scammed out of the {$1000.00}. That money had already been fraudulently acquired from my account before I gave out any of my information. As noted, an additional {$2100.00} was declined twice once the card had been turned off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28146
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX WELLS FARGO XXXX XXXX : Was called by " sergeant XXXX '' XXXX from the XXXX XXXX sheriff department claiming I failed to appear in court and I am under penalty of 1968-1 due to not abiding to the Notice of Erroneous XXXX Exemptions. XXXX XXXX was the financial XXXX who would be collecting payment and he told me to send payments to XXXX, and XXXX XXXX payments in the amounts of {$1800.00} & {$600.00}. As soon as I transferred this money I called Wells Fargo immediately and asked them to reverse payment and they had said they could not do so bc it is through a non secured company, XXXX. I filed opened up a complaint through wells fargo and they dismissed it and said they do not have any phone numbers, addresses or contact information through XXXX. They were no help. However there is a protection clause that finacial institutions have and they disregarded this. I also asked for the routing, bank and reciepient information of who I sent the money to and they did not have that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo closed my account stating that I was a security threat like I'm some XXXX without explaining how or giving me good reason. My information was stolen and I put in a fraud claim with them after my account had been used without my authorization next thing I know adverse action was taken against me and my account was closed without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Well Fargo would charge me overdraft when I had funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98908
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A