Date Received: 2023-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I logged in to my Wells Fargo Account to deposit a check vis the mobile app. Once I was logged on I discovered three transactions of {$1000.00} each made to two separate people using XXXX. All three transactions were not made by me, nor do I know who the subjects are. I immediately contacted Wells Fargo and made an identity theft and fraud complaint. Week later I received a letter stating that they determined I sent those transactions. I called and spoke to a representative who stated I used my mobile app to send the transaction. Ive called multiple times disputing their finding. I attempted to appeal their decision and was told I was not able to. Another representative confirmed my two numbers on my account. After receiving their evidence on how they determined I was at fault I reviewed all documents. It was determined that someone hacked into my account using a desktop computer added a Georgia cell phone number and transferred these transaction. After filing another executive complaint I have yet to hear back from Wells Fargo. I have also filed a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
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: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I informed in writing to WELLS FARGO CARD SERVICES that it is an unauthorized inquiry on my consumer report without my written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2023-05-24
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2023, I had several fraudulent charges made on my account. Wells Fargo reversed these and sent me a new card. I have had possession of my card since XXXX. On XXXX, a cash advance was made from my credit card for {$3500.00}, and a fee of {$170.00} was charged. on XXXX, another cash advance for {$700.00} was made from my credit card, and a fee of {$35.00} was charged. On XXXX, I called in and noted the fraudulent charges. Wells Fargo had me change my online password and closed the account that the cash was advanced into ( and transferred out of without my consent or knowledge ) I was told something would be done and investigation would be completed. After several weeks, I called back in and was told these were " authorized '' transactions. This is a lie, as I did not make or authorize these cash advances. Wells Fargo refuses to put this in writing. on XXXX, I was charged another XXXX in " cash advance fees '' and another {$200.00} in interest fees. I can not get rid of these cash advance fees until my entire card balance has been paid off. I have never used a cash advance, and never intend to, as the fees are absolutely outrageous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91741
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There is a lawsuit already confirmed and my account was affected during that time so Im entitled to a payout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 672XX
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: Managing an account
Subissue: Fee problem
Consumer Complaint: Overdraft fees even though I am under XXXX and Wells Fargo doesnt charge overdraft fees for people under XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28645
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was notified via text message that a wire payment of {$390.00} was attempted on my account and prompted a " YES or NO '' response which I replied " NO ''. In doing that, I received a call from what I thought was Wells Fargo and I only thought that because I have their Online Support number saved in my phone. The person that called me definitely did not work for Wells Fargo, which was unbeknownst to me at the time. The person made me think that he was handling the issue and then let me know of a {$9000.00} wire that was also being attempted on my account so what I thought was a process to prevent the wire from being released as well as close and secure my account was actually the person stealing from me. I noticed the {$9000.00} missing from my account first thing the next morning ( XX/XX/XXXX ) and called the same number that originally called me and when I explained the whole thing to an actual Wells Fargo fraud department member to ask about the missing {$9000.00}, they had no idea what I was talking about. That is when I knew I had been taken advantage of and stolen from. I properly filed the claim with WF and closed and secured my account. I was told it would take 9-10 business days to conduct the investigation and on that 10th business day ( XX/XX/XXXX ) I called and was told that they couldn't get the {$9000.00} back from the scammer 's beneficiary bank and that there was nothing they could do and that the loss was mine. The resolution letter that I also received on XX/XX/XXXX was dated XX/XX/XXXX saying the same thing. Which says to me that an investigation was not really conducted and that victims of scams do not really matter to them because this is all because I believed I was talking to an actual Wells Fargo employee because it was in fact, their ACTUAL online support number. I do not accept the result I was given and I am thoroughly disappointed in how their wire process is conducted as I was never once contacted by anyone to approve the wire as this was the first wire ever attempted on my account in my TEN YEARS of banking with them. Their negligence has costed me a tons of undue financial stress and {$9000.00} of my hard-earned money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Wells Fargo Active Cash card on XX/XX/XXXX. Advertised variable APRs at that time were 19.74 %, 24.74 %, and 29.74 % based on your creditworthiness. I was approved for the card within seconds and received an email indicating my APR would be 24.74 % after the 0 % promotional rate expired. I reached out to the company the following morning and after going through 4 people I was told that someone who handles customer complaints would get back to me. I received a voicemail from XXXX to call them back on XX/XX/XXXX. I called back and she just explained the same terms and conditions I already knew. I explained that I wanted to know why I was only qualifying for the mid-tier APR when I have an exceptional credit score. She said that they use information from credit reports obtained by XXXX to determine the rates. I said that I would like to speak to someone above her regarding the matter and eventually spoke to her manager on XX/XX/XXXX. She said that they would submit my application for further review and have an answer to me in 24-48 hours. I received a follow up call later that day from XXXX XXXX in which she just repeated back to me what had been discussed on the prior phone call. After no contact the following week, I reached out to the company on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX looking for an update. I received a call back from XXXX manager on XX/XX/XXXX indicating that the review can take up to 10 business days someone will be in contact with me by the following Friday. I received a call today ( XX/XX/XXXX ) from XXXX in which she stated that my interest rate would remain the same. I asked what my credit score was supplied to them on the day I applied for the card and was told it was XXXX. I indicated multiple times that they appear to be advertising false APRs because if people with exceptional credit do not qualify for the top-tier APR, who does? She said the decision is based upon information obtained from my credit report. I asked her to provide the specific reason that I was denied the better rate. I was told that I would need to contact XXXX to review my credit report. I had already checked my XXXX credit score myself on XX/XX/XXXX and it was XXXX. There is no negative information on my report that would disqualify me from a better rate. I also asked XXXX to supply me with the percentage of applicants that qualify for the 19.74 % APR, but was told that she didnt have that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18704
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 Wellsfargo and XXXX XXXX someone tried to open up an account fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92123
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo failed to investigate a transaction I disputed correctly I filed WF went with the merchant only because I tipped the merchant after the service the provide wasnt as expected. On XX/XX/2023 I authorized a transaction for {$71.00} at XXXXXXXX XXXX for dip powder acrylic nails. On XX/XX/2023 I noticed cracks in my nails I contacted XXXX XXXX to inform them my nails were cracking I was told We fix your nail you have to pay for service again I contacted Wells Fargo to dispute the transaction, they issued a provisional credit On XX/XX/2023 they withdrew the credit from my funds. On XX/XX/2023 the representative stated the dispute was file incorrectly WF stated I authorized the transaction and they agreed with the merchant because I left a tip before I noticed my nails were done incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX I took out a loan on a XXXX XXXX with wells fargo bank, two years latter when the housing market crashed I lost my job and returned the car to them volunteerily with the understanding that they take the car and nothing else agreed to by my loan officer over the phone, 11 years latter I was sent to collections and refused to give them anything as per the original agreement with the bank, I received another attempt to collect with a different debt collector about a year after that and again refused because of the original agreement. In XXXX there was another attempt from yet another debt collector and I again told them no and refered them to my original agreement with the bank, now in XXXX on XX/XX/XXXX I was called along with my father and both brothers from an office calling itself the process office, after contacting them I was given a phone number and a reference number. After repeated attempts to contact the law office? I am not entirely sure they are but they do claim to be I was told the are bringing a law suite agents me for the debt on the XXXX in spite of the previous agreement made between myself and the bank, when I told them the statute of limitations has long sense expired I was told they are using a loophole in title 34 or something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83301
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A