Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: # XXXX Request : Where's the Money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is a FRUAD issue however there wasnt a checkbox for that so I checked the box that was similar. On XX/XX/XXXX I noticed I had {$2700.00} was taken out of my account I called my bank Wells Fargo to figure out what was going on and the phone rep said there was a check cashed in that amount I told her it wasnt me and she said she would have to transfer me to the claim department to file a claim which I did. When she transferred me to do so I was told the same thing that there was a check that was altered and cashed on XX/XX/XXXX and was taken on XX/XX/XXXX and she was not able to give me further information. She said to be patient and gave me a claim number that it would take 5 bs days to gather some information I was never offered a credit while they researched nothing. I waited 2 days and called back and had to go through 5 different reps because they didnt have the claim number I was given and said I never filled a claim this went on for 4 weeks. I kept calling giving them the same information and was given a different claim number every time. They kept giving me different information as well so I decided to call there Corp Phone number who then foiled another claim they really didnt k ow what was going on eighter. I had to go trough so many reps this went on for a month in half untill I finally had a XXXX from there executive claim team to help. He told he the same that a altered check was cashed in my name I told him I filed a police report and I filed with ID theft too. He said that someone went in the bank and cashed the check using an ID again I told him it wasnt me and I had plenty of proof I also asked if he could have the bank pull the camera footage to prove this. He said he reached out to the bank Wells Fargo in XXXX CA where it happened and asked for footage and it would take some time 2 months later Im still dealing with this he finally reached back to me when I called every couple of days for info and said that the bank hasnt given him an answer and I would have to call the police to get the footage myself he was very rude. I called the XXXX police department where I filled my police report and told them what he said and they said that the bank has to be the one to get the footage. I need help the money that was taken from me is my savings I needed to bury my mother and I dont know what to do. Ive spoke to over 15 different reps had an executive rep XXXX to be told he cant help me and they are not giving me back my money. This is all stance. I also asked him if the check is altered what was the name that it was altered from and who was the check from he told me it was a Insurance company XXXX XXXX. So I XXXX this company and called and spoke with there fraud department and gave them the information XXXX gave me and they said that check was Voided XX/XX/XXXX and had a different name on it. I have there information if you need. Theres a lot more to this. I have all my proof it wasnt me and need my money back that was taken Wells Fargo has been rude and unprofessional with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: We discovered that Wells Fargo has been charging our account a $ XXXX fee due to our account balance below an excessive threshold {$250000.00}. When we inquired why this fee is being assessed, we were informed that Wells Fargo converted our account without our consent to a new account that enforces a minimum balance of {$250000.00}. We have since tried to reverse these charges because the account conversion was made WITHOUT OUR CONSENT OR KNOWLEDGE. We have also since tried to reverse these fees, which Wells Fargo has only done for a portion because they claim that they do not see these fees charged to our account. We have pulled the online monthly statements clearly showing where the fees are being charged and deducted automatically from our account, but Wells Fargo have refused to accept they have done so - and also refusal to review our monthly statements showing these unauthorized charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry by WF CRD SVC from XXXX Credit Report Dear WF CRD SVC, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter concerning a fraudulent hard inquiry that was conducted by WF CRD SVC on my XXXX credit report. This unauthorized, unverified, and fraudulent inquiry, which occurred on XX/XX/2021, raises serious concerns regarding potential fraudulent activity. In light of this grave issue, I kindly request your urgent action to rectify this situation by promptly removing the fraudulent inquiry from my credit report, in strict adherence to the Fair Credit Reporting Act ( FCRA ). Upon conducting a thorough review of my XXXX credit report, I discovered an unverified hard inquiry associated with WF CRD SVC on XX/XX/2021. I want to emphasize that I did not authorize or initiate this inquiry, and its presence on my credit report is both unwarranted and deeply troubling. Fraudulent activity of this nature can have severe ramifications, impacting my financial well-being and tarnishing my creditworthiness. As a consumer protected by the FCRA, I am entitled to accurate and reliable information on my credit report. It is paramount that any fraudulent or unauthorized entries are swiftly investigated and expeditiously removed to preserve the integrity and validity of my credit history. I kindly request your immediate attention to this matter, conducting a thorough investigation into the origin of this fraudulent inquiry, and taking all necessary measures to rectify the situation. I urge you to treat this matter with the utmost urgency and prioritize the removal of the fraudulent hard inquiry conducted by WF CRD SVC from my XXXX credit report. I expect your full cooperation and strict adherence to the FCRA regulations in ensuring the protection of my consumer rights and the restoration of my creditworthiness. Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and request timely communication regarding the actions taken to address this fraudulent inquiry. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My wife and I applied for a mortgage through Wells Fargo on XX/XX/XXXX. Our home loan was supposed to close on XX/XX/XXXX. Two days before the scheduled close, the loan officer sent an e-mail saying that they could not approve the loan. As a result, I lost {$10000.00} in earnest money. Additionally, instead of moving from the house we were selling into the new house, I had to rent 3 storage units for a month and pay movers for 2 moves instead of 1. The issue is that the company had two months to scrutinize the income of my wife and I and waited until two days before close to pull the rug out from under us and tell us that they were not approving the loan. Had they told us sooner, we would have been able to get another mortgage company to issue the loan, but the 2 days they gave us before the close date was not enough to close a new mortgage. We tried to negotiate an extension with the seller, but were not able to. It was clear from my conversation with the loan officer afterwards that no attempt was made to understand our income. Instead, at the last minute, they invalidated large portions of it. Additionally, I offered to put as much down payment down as would be needed to close the loan. Because they waited until the last minute, all options were taken out of our hands, despite our best efforts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 there were 6 withdrawals from my checking account at Wells Fargo bank in $ XXXX increments totaling {$5700.00}. We reported it to the bank on the XXXX when we first saw it. Bank made no attempt to inform us that this happened and being that it overdrew my account, they should have seen the red flag. I have banked with them for 29 years and through reviewing my history, they can see that I wouldn't do this. The bank refuses to give me details about these withdrawals saying they will let us know in 30 days. They also have come to the conclusion that the withdrawals were made by us, which they were not, nor was there any authorization to withdraw. I suspect identity theft. We have found on our own that the entity who removed the funds was XXXX XXXX XXXX. We don't and have never dealt with stocks or bonds, and we certainly wouldn't overdraw our account to invest in this. Our income is Social Security. I have spoken with many bank employees at the bank and even went to the bank to see if this problem can be resolved, and each say they can't divulge the info. and therefore I am unable to resolve it with the thief. I do have a fraud claim # XXXX. I received a letter from Wells Fargo on XX/XX/2023 stating that the case was closed and they will take no further action. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX : Unknown Inquiry XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX : Unknown Inquiry XXXX XXXX- XX/XX/2021 Wells Fargo Dealer S XX/XX/2021
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( Wells Fargo / Dillards has violated several of my rights. 15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions. 15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Wells Fargo Customer Care-Remediation Account ending in XXXX Wells Fargo Customer Care has grossly under compensated me for inconvenience during this repossession ordeal. Although their attempts to compensate at less than {$330.00} is partially accepted it does not fully account for the inconvenience during this ordeal. Account fees/charges were added in large error to this account. I look forward to amicably reaching an acceptable resolution.
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: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is a complaint about a past issue with Wells Fargo Bank in XXXX XXXX, XXXX XXXX back in XXXX. I recently seen a complaint on the internet about them and wanted to be included. What they are got fined for happened to me. I never heard anything from anyone. This is regarding XXXX. I was an employee at XXXX XXXX in XXXX XXXX and lost my job, then after a few months was unable to make mortgage payments and fell behind. I contacted Wells Fargo and applied for the home modification program ( HAMP ) to try to restructure my loan to stay in my home. I had already started to receive foreclosure documents. After I applied for HAMP, sending all necessary financial paperwork required, the Wells Fargo underwriter that reviewed my HAMP information called me and stated that I did not qualify for HAMP because he said, " you don't qualify because I think you really don't want to stay in your home. '' I received letters from Wells Fargo that I can stay in home if I pay the balance on mortgage of around {$96000.00}. I was unable to pay this so I lost my home to a foreclosure. It felt like Wells Fargo wanted my home. Then because of the foreclosure my credit tanked for about 7-8 years. I didn't know of CFPB at the time, so just moved on. Is there any recourse?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A