Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have 9 transactions all for {$100.00} charged from this company : PURCHASE AUTHORIZED ON XX/XX/05 XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX to XXXX. I whole heartedly believe that Wells Fargo didnt even ATTEMPT to do any research before denying my claim. This is utterly ridiculous, and they should be ashamed of themselves for their deceit. Had they in fact did their job and investigated, they would see I have never signed up for this company and not have denied my claims. I am going to take this further if I do not get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: When I was with Wells Fargo I was charged fees for using my money and then stating I was in overdraft when I wasnt. Each month for 2 years I was charged XXXX per month and they stated it would get corrected and it never did. I contacted them about my settle amount last month and they stated I wasnt owed anything
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I was contacted by a Wells Fargo fraud detection agents about a charge to my business account for an amount of around {$320.00}. I dont know the exact amount because the fraud agent prevented it from being charged, and contacted me to address the threat. That was the right decision to decline the charge and protect my account. During this call, while WF fraud agent was writing up the case for this charge, he paused and asked me if I just contacted Wells Fargo verbally, and authorize my account to be added to a XXXX wallet. My immediate response to him was no Im on the phone with you and you called me and I dont even use a XXXX device. In retrospect it wouldve been far greater due diligence for the WF fraud agent to stop writing cases, and immediately close both accounts to re-open them as a new accounts, stopping any further fraud activity, because it was obvious my account was still under attack while on the call. While the WF fraud agent was writing up this new case, I was looking at my Wells Fargo checking account on my phone and saw that it increased by {$8000.00}. This was not actioned or authorized by me so while on this very call with the WF fraud agent, I informed him of the {$8000.00} showing up in my checking account that was not mine and I did not know where it came from. I did not see nor did I know at the time that this {$8000.00} came from my own credit card account. This was clearly a red flag that my accounts were still under attack. I wish the WF fraud agent would have immediately proceeded to close my accounts to prevent any further fraud from taking place, but we continued to follow their fraud agents protocol of writing cases. I of course thought that my bank was protecting me from any further threats and being accountable for all threats made to my account, as they have always done in the almost 40 years that Ive have been banking with you. As looked at my account later to check status, and I could see that {$8500.00} had been withdrawn. Alarmed by this action, not taken or authorized by me, I called your fraud team back and reported this happening. Once again WF fraud agent reviewed the threats and wrote another case. It was then and per my demand that we proceeded to close both accounts and open new ones to protect any further threats from happening. As XX/XX/2023, I am in receipt of a letter from Wells Fargo claims assistance center dated XX/XX/2023, subject of resolution of online wire inquiry for checking account, see attached. I was greatly disappointed and offended to read that not only the resolution was not taking any accountability for these threats, but that they accused me of performing them, treating me, a customer of 40 years, like a common criminal and leaving me to deal with the charge of {$8000.00}, a {$400.00} cash advance fee and {$500.00} of cash from my checking account from these threats that compromised my accounts, due to WF hacked banking system. I am the victim of these threats and the resulted compromise of WF banking system that allowed my accounts to be attacked this way. As I mentioned before, Ive been a customer of Wells Fargo for almost 40 years, and every time threats have occurred over the years to my account WF have always taken care of them with the due diligence that it deserves from a federally insured bank. I have never given out my password or username to anybody and always use your Wells Fargo app on my XXXX to do my business I have since I had my phone checked for security, and it is secure. This impacted my business account and credit card account. I filed an appeal to on XX/XX/2023 and have yet to see a response from WF. See attached correspondence. A police report has been filed ( XXXX ) with XXXX police department. Detective assigned is XXXX XXXX, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity Theft and Fraudulent Accounts - Response to Findings Dear WELLS FARGO, XXXX, and XXXX I am writing to address your recent communication regarding the findings of your fraud specialists in response to my concerns about the accounts opened under my name. I appreciate your review of the matter ; however, I must assert that I am a victim of identity theft, and the fact remains unchanged regardless of your findings. I would like to emphasize that I did not open any auto loan account with WELLS FARGO, and the information you have provided does not accurately reflect the circumstances surrounding this case. I would like to emphasize that regardless of your findings, the fundamental fact remains that I did not enter into any contractual agreements or engage in transactions with XXXX XXXX or WELLS FARGO. Identity theft, as recognized under both common law and statutory provisions, constitutes a grave violation of an individual 's rights and personal security. It is crucial to acknowledge that the burden of proof lies with the accused party to demonstrate the legitimacy of the transactions attributed to my name. While you have presented documents such as a signed credit application and contract, it is imperative to consider that these documents have been forged or obtained fraudulently by the perpetrator of the identity theft. It is crucial to consider that the claimed recordings presented as evidence can be subject to manipulation and tampering, possibly facilitated by artificial intelligence technology. In the revolutionary technology-driven year of 2023, it is known that AI has the capability to mimic and replicate voices, as well as mask phone numbers. Therefore, the conversations and the telephone number associated with the accounts in question can not be solely relied upon as proof of my involvement. Moreover, your result findings that AI can not secure a cellphone number or replicate voices is contradicted by the increasing number of identity theft cases involving AI-assisted scams, which have caused significant harm to individuals ' lives. The advancements in AI technology have made it increasingly plausible for scammers to exploit these tools, masking phone numbers and imitating legitimate individuals. Therefore, the argument that AI can not secure a cellphone number, replicate voices, or mask phone numbers is unfounded, as there have been numerous documented cases of AI-aided identity theft in recent years. Moreover, I would like to invoke the protections afforded to consumers under the Universal Commercial Code ( UCC ) and the Fair Credit Act ( FCA ). The UCC places the burden of proof on the party claiming a valid contract, and in this case, Wells Fargo would need to provide clear and convincing evidence that I willingly and knowingly entered into the auto loan agreement. Additionally, the FCA emphasizes the importance of consumer rights and provides provisions for dispute resolution and investigation of fraudulent activities. It is imperative that you engage fully with the applicable laws and regulations to ensure a fair and just resolution to this matter. I find it disheartening that WELLS FARGO, as a financial institution, is dismissing the possibility of my innocence without thoroughly considering the mounting evidence of identity theft. The fact that my elementary signature that can easily be replicated, which I have used consistently since grade-school, does not match the signatures on the origination documents further supports my claim. It is important to note that identity theft cases involving AI are on the rise, and it is imperative for financial institutions including WELLSFARGO adapt to these evolving threats and take responsibility for their customers ' protection. Furthermore, I find it disconcerting that WELLSFARGO appears to dismiss the potential role of AI in the perpetration of identity theft, especially in this technologically advanced era. The claim that AI can not secure a cellphone number, replicate voices, or mask phone numbers demonstrates a lack of understanding of the current capabilities of such technologies. This dismissal of emerging threats and the failure to adopt adequate measures to protect consumers further raises concerns about the bank 's commitment to customer security and well-being. Given the gravity of this situation and the significant impact it has had on my financial and personal life, I implore you to conduct a thorough and unbiased investigation into the matter. I urge you to collaborate with specialized fraud detection experts, leverage advanced forensic analysis techniques, and involve relevant law enforcement agencies to uncover the truth behind this identity theft. It is my firm belief that, with diligent efforts and adherence to legal obligations, the authenticity of the claimed recordings, signatures, and phone numbers will be called into question, ultimately revealing the fraudulent nature of the accounts in question. It is crucial to note that the authenticity of the claimed recordings, signed credit application, and contract can be called into question. Given the circumstances surrounding this case, it is evident that the signatures present on these documents are not mine, and the phone numbers associated with the account activities were not under my control or authorization. These discrepancies strongly indicate that the identity thief has resorted to fraudulent means to establish a false connection between my name and the accounts in question. Please provide me with written confirmation of the receipt of this letter, an update on the progress of your investigation within a reasonable timeframe, and a clear plan of action to rectify this unjust situation, and an immediate update on the actions you will take to rectify this situation. I reserve my rights to pursue legal remedies, including filing a formal complaint with regulatory authorities, seeking restitution for damages incurred, and taking civil actions against all parties responsible for this fraudulent scheme. I anticipate your prompt attention to this matter and a fair resolution that acknowledges the truth and restores my rightful standing. Your cooperation in resolving this issue is of utmost importance to me. Thank you for your attention to this matter. I trust in your commitment to the principles of justice and accountability. Yours sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75159
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Starting in XXXX of XXXX, I started getting letters in the mail that said I applied for ; a XXXX XXXX XXXX with XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX, and another Credit card with Wells Fargo. I have called each Company to report this is Fraud. I froze all of my Credit and signed up for Fraud alerts. I have also gone to the Police department to receive a report. Unfortunately, I have missed-placed any other letters that were sent through my mail, so I only have three. Dates when received by mail : XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XX/XX/ Not sure what else I need to do to protect myself..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: 11 months ago ( XX/XX/2022 ) I opened a " Wells Fargo XXXX XXXX XXXX '' with Wells Fargo, specifically to take advantage of a promotional offer that was advertised with 0 % interest on transferred debts for one year. Based on this promotion, I transferred my existing {$10000.00} debt to this new credit card. However, I recently discovered that instead of the promised 0 % interest rate, I have been charged OVER 20 % interest for the past year. I contacted Wells Fargo 's customer service department to resolve the issue and was informed that I did not qualify for the 0 % interest rate promotion. However, the reasons for my ineligibility were not clearly explained to me, and I was told nothing could be done. The extra interest charges I've incurred due to this misunderstanding have placed a financial burden on me. I believe there has been a lack of transparency and total miscommunication by Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXXXXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE WELLS FARGO DEALER SVC 4 LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XXXX XXXX Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Wells Fargo representatives tell me that my account has thrown fraud alerts for a transaction that I did myself and I told them I did. I verified all the information about the transaction, and told them there is no fraud. My account is fine, I've not reported any fraud nor any unauthorized transaction. But they insist that the system has shown fraud activity. Then they asked if I had multiple devices, I explained that I use XXXX XXXX on my phone for security and privacy, and apparently the bank 's system don't like that, however, that's my right to watch for my security and privacy, and when I signed WF terms and conditions it doesn't say on our contract that I can not use XXXX XXXX to log into my account. Now they keep telling me that I have to step into a branch with a form of ID to get verified. I left the United States a few days ago and won't be back in several months. I've explained this situation to them and they keep telling me the same, they don't seem to even listen what I'm saying, they keep repeting the same message to me over and over. I called my personal banker at the WF branch with whom I opened my account, and she put a note on my account letting the security department that we talked but I'm not in the country and I can't go to the branch. I wonder if it is actually legal that WF prevent me to access my online banking just because I'm not in the United States at the moment. As my banker says, WF multiple ways to verify me over the phone. Then, they should do that. This is so discriminatory of Wells Fargo to punish XXXX XXXX like me by not letting them use their online banking because they can not step into a branch whenever WF wants.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A