Date Received: 2023-05-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Already made an FTC Complaint ( XXXX ) against Wells Fargo bank for issuing me a Master Card that I did not ask for. Went into a branch and complained that I been issued a card in error/fraud. They told me that they will take care of it. I had put in a credit freeze with XXXX and XXXX. Weeks after Wells Fargo acknowledged that they had taken care of it and canceled my Master card, I receive a communication from Wells Fargo yesterday XXXX saying that they are trying to open another credit card in my name ( that I did not request ) - Application # is XXXX. In this letter Wells Fargo is asking me to 'unfreeze ' my Credit so they can complete processing my credit card application!!! Wells Fargo is the XXXX of the earth. I will not touch them with a 10 foot pole. What do I need to do to make them go away for good?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Wells Fargo XXXX XXXX and asked them to please update how they are reporting to my credit. I had filed bankruptcy ( XXXX XXXX ) in XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo as NC a courts do not allow that. I continued to make all payments as I had been, and all on time. I understand they do not have to report, thats fine. Instead wells is reporting my account status as derogatory instead. My mortgage has been paid off, paid in full, never late. I asked they remove the information or updated it correctly. Nothing has been done. I also disputed it multiple times with the credit bureaus with the same thing happening. This derogatory credit reporting has lead me to get denied for auto insurance as they think I owe money. I have my pay off letter and just would like this removed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was been keep charging for overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. I never received any document informing me of this debt which it is no belong to me. I have never requested any credit card from Wells Fargo. I am a very hard worker. I am the Head Household. I am a single mother with two minors. They are making me pay a debt that is not mine unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 morning, I went to Wells Fargo Bank to check on my accounts. I was told that {$40000.00} was wired out of my checking account, and another {$50000.00} was wired out from my same checking account to my business XXXX account, on XX/XX/23. Then immediately {$25000.00} was in the process of wiring out of my business XXXX account. I was shocked, and asked them to stop it immediately, and get the funds back to me accounts. In the same morning I reported to Wells Fargos Lost Prevention Center, and got Case number # XXXX for the {$40000.00}, and Case number # XXXX for the {$25000.00}. In the following days, I called them everyday to find out results. The {$25000.00} was intercepted and credited back to my XXXX account. But there was no information provided for the {$40000.00}. Wells Fargo refused to take responsibility for this Unauthorized Fraudulent wire transferring, and refused to pay me back this {$40000.00} caused by its negligence. In Wells Fargos Deposit Account agreement page 19, it says : we will follow a security procedure to verify an instruction to send a funds transfer from your account, whether we received the instruction in person, in writing, by phone, or online or mobile, Wells Fargo failed to do their job to verify the transactions with me, neither by my cellphone, nor by my landline home phone. Wells Fargo should return my {$40000.00} back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to : 15 U.S. CODE 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this. TITLE, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report. THESE ACCOUNTS ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Have violated my rights According to the Fair Credit Reporting Act 1681 s 3 by Reporting late Payments. Payments are considered transactions, therefore late payments shall not be reported to my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX Wells Fargo Bank made a debit to my account in the amount of {$1300.00} for " Transaction Correction - Mobile deposit check posted twice - REF # XXXX. '' On a call to their customer service department I was told that my Wells Fargo ATM deposit on XX/XX/XXXX was being returned because the name in the payee blank did not match my full name. I have deposited a check in that amount with an identical payee name nearly every week between XX/XX/XXXX and XXXX of this year and the check had never been denied for that reason. I was told I would receive a letter and the check in the mail. I received a letter on XXXX saying that a check I deposited in the amount of {$1300.00} on XX/XX/XXXX was deposited a second time on XX/XX/XXXX. First, there is no second deposit of this check on any of my bank statements or in the transactions shown in mobile banking. Second, Wells Fargo credited that mobile deposit on XX/XX/XXXX and they then debited my account in the same amount on the same day and it is listed as " DEPOSITED ITEM RETN UNPAID - PAPER XXXX ''. On the letter I was sent, both the alleged XX/XX/XXXX transaction as well as the fictitious transaction from XX/XX/XXXX have sequence numbers. The fictitious transaction has a sequence number that is XXXX. The real transaction has a sequence number of XXXX. I don't think it is coincidence that the fictitious transaction has a sequence number that doesn't match their standard format. I was told by a helpful bank officer in one of their branches that the fictitious all nine 's number can't be right. I was given a reference number XXXX, So, they debited my account {$1300.00} without notifying me for a check I deposited that they did not credit to my account. I have filed a complaint and a dispute of my transaction. I was told that most disputes are handled in 3-4 business days, but some take longer. I have asked them to credit the amount they debited on XX/XX/XXXX pending the resolution of this dispute. They refused that reasonable request. All of this took over 5 hours of phone calls where I was constantly transferred to different departments most of which could not help me. The level of incompetence boggles the mind. I do not believe that I am the only victim of a similar complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I HAVE TWO MAJOR PROBLEMS WITH MY BUSINESS CHECKING ACCOUNT : 1. XXXX FRAUDULENTLY WITHDRAWN {$95.00} OUT OF MY ACCOUNT AND NOBODY ANSWERS THEIR PHONE XXXX FOR ME TO INVESTIGATE. STILL, DESPITE PUTTING IN A CLAIM # XXXX WITH WELLSFARGO BANK TO SEND ME A NEW DEBIT BUSINESS ACCOUNT CARD AND FULL CREDIT REFUND THEY OPTED TO CREDIT ME {$47.00} ROBBING ME THE DIFFERENCE. NO BANKING POLICY SHOULD SUPERSEDE A FRAUD SITUATION. WELLS FARGO IS PUTTING ME IN HARMS WAY BY NOT CREDITING MY ACCOUNT FOR {$95.00}. 2. I WAS TOLD SEVERAL YEARS AGO MY BUSINESS ACCOUNT MAINTAINS {$5000.00} OR MORE THAT I WOULD NEVER BE CHARGED FOR {$30.00} PER WIRE TRANSFER FEES INCOMING OR OUTGOING. STILL, THE BANK HAS CHARGED ME OVER {$260.00} IN WIRE TRANSFER FEES VIOLATING OUR AGREEMENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had an account with XXXX XXXX. And I was not givgo XXXX til XXXX then my account was stolen. So I left I was trying to reopen an account now say I cant. I did not receive the XXXX XXXX that was sent out. My part was sent to my ex hundred that not right. I want my part {$900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A