Date Received: 2023-05-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX, at XXXX AM, I received an email from Wells Fargo stating they were finished reviewing a Wells Fargo XXXX XXXX credit card application and were unable to approve it at the time. They stated they would send a letter in 30 days explaining the unapproved application. On XX/XX/XXXX, at XXXX PM, I received another email thanking me for the Wells Fargo XXXX XXXX credit card application. The email explained the application is pending and it provided a reference # XXXX. In the email, it explained what would happen next after verifying my information. The email contained a number to check the progress of the application at XXXX. There are XXXX another number provided to call if I didn't submit the application. I called XXXX, to report I didn't submit an application for a Wells Fargo XXXX XXXX credit card. The Wells Fargo agent name XXXX took my personal information and contacted the Wells Fargo XXXX Department. I then talked to XXXX who claims to be in the XXXX department. XXXX verified my personal contact information. XXXX also asked questions non-related to the incident at hand. XXXX asked did any other company extend credit to me at this time. And if so who was the company? I answered XXXX, and none of their business. XXXX also asked ; if I was ever involved in Identity theft. If I was when? I answered XXXX in XXXX. XXXX then stated she was going to get their investigation team to look into the fraudulent application. And she was going to report it to the credit bureaus so they can mark my credit report as XXXX and Identity Theft. XXXX was very unprofessional and want to ruin my credit file. I'm a small business owner and I always get businesses trying to ruin your credit or business or even your reputation. This is also discrimination because XXXX is a XXXX female and I'm an XXXX American female. I also feel Wells Fargo is breaking the Anti Trust Laws. I think it's unfair for businesses to compete with other businesses using scare and discriminating tactics against their customers. Following up, I contacted all three credit bureaus and there wasn't an application created in my name for any type of credit. My credit files are frozen and no one can establish credit in my name. Wells Fargo created and submitted the application as XXXX claim Wells Fargo files show a XXXX application on file for a credit card in my name. I never applied for an application for a credit card at Wells Fargo. I have a XXXX line of credit with Wells Fargo that had been paid as agreed. I will not initiate any new credit with Wells Fargo.
Company Response:
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX this month Wells Fargo assumed credit from XXXXXXXX XXXX XXXX holding with XXXX XXXX. On XX/XX/XXXX I noticed a fraudulent charge on my account that was supposedly done on XX/XX/2023. I notified Wells Fargo and they said the entry was not a normal entry with no address or phone number of the Hotel charging my account. They also noted that the entry could not be disputed because their computer would not allow them to make that choice. They said that day the charge would be resolved within a few days. 18 days later they are still saying I need to make a fraud claim that they say their computers wont allow ... .lol So I cancelled my account but they have yet and dont seem interested in deleting the charge. I need help. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Received a credit alert on XX/XX/ 2023 that Wells Fargo Home Mortgage out of the blue decided that my XX/XX/2023 payment was late and reported it to all three credit bureaus. The XX/XX/2023 payment was paid on time as well as the XX/XX/ 2023 and XX/XX/ 2023. I have no idea why they arbitrarily decided to just update the credit report two months later and change all three reports from current in XXXX 2023 to late and 2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: - [ ] 20 years! 20 years, of knowing for a fact, as a Wells Fargo consumer, and one the millions of Americans losing- [ ] everything. I have now filed complaint after complaint, with the CFPB, against Wells Fargo. I filed my original complaint, XXXX XXXX. XX/XX/XXXX, I received my first of many responses again, against Wells Fargo! I have now been filing complaints for 6 months. With every response from Wells Fargo, oh we are so sorry you have said this has happened to you. Has been negatively affecting our entire family for 20 years.!!! - [ ] Like I have said from the beginning, no matter how and when the absurd amount of payments thats just disappeared over a 10-15 year blatant fraud and running a criminal enterprise freely, again, over a 20 year period. - [ ] As stated in my first complaint. Wells Fargo has Never denied anything I have said! They only continue to tell me, they wish they could help us! - [ ] If that was actually the case, we would have had help by now. - [ ] With this complaint, I have the actual paperwork from the pre approved loan documents, to the internal memos and paperwork from early XXXX and up. - [ ] The most shocking thing is I have said the exact same thing for 20 years now, only to be lied to and deceived by a company with XXXX XXXX in assets! Literally from the millions of Americans over the years. - [ ] In the documents attached, The fraudulent and illegal activities by Wells Fargo, and XXXX XXXX! They caused the XXXX mortgage crisis. They are still, not only still perpetuating the biggest and longest running criminal enterprise in the history of the United States! The horrible reality is, they are still being allowed, by the CFPB, to confirm, never actually having to be held accountable for the years and years, of millions and billions in fines through ,20 + years of lawsuit after lawsuits. - [ ] In the documents I have sent to you this time you will plainly see, through the hundreds of mailed mortgage statements and foreclosure notices, the American consumer, was bombarded withe endless bills and statements coming from Every Wells Fargo, and Wells Fargo home mortgage inc, Wells Fargo home mortgage, Wells Fargos many companies that were involved and created the longest illegal criminal enterprise and activities, who have insulted themselves, again with the help and compliance from and with the very government agency, formed in XXXX, to help the American consumers from the corporations designed to help!! - [ ] By now they are just as guilty! - [ ] In XX/XX/XXXX, the lies and bombardment of the unimaginable amount of Wells Fargo corespondents. I have a couple years and its insane the blatant theft and cover up, of any illegal fraud and actions by any ANY and every Ponzi scheme or banks or stock markets have ever perpetuated in the entire world. - [ ] The day we supposedly closed on XX/XX/XXXX, was illegal. As seen in said memo, prior to the actual closing. - [ ] As soon as the fraudulent and illegal closing. We immediately began receiving multiple statements mortgage payment statements, mortgage foreclosures statements so many a forensic account and genius would and have stayed out of actually having to pay or be held accountable for the years and years of blatant theft and denial : they have had rinse and repeat cycle of millions and billions of fines and still perpetuating the biggest and longest criminal theft! - [ x ] So, even if you can come up with reasons why no help now, should all be gone. - [ ] The illegal loan, closing and fact the mortgage company, notary, and lawyers ; did and said anything they could ; see attached internal memo, form the title company, owned and operated by Wells Fargo home mortgage inc, and other Wells Fargo companies, all companies of Wells Fargo bank na, California ; Wells Fargo bank nA, co! As seen in XXXX, as soon as the illegal loan started, literally by the second month mortgage payment and statements and foreclosure mailing from, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX numbers that continued to poor in daily weekly and monthly. Payments after payments threatened constantly with foreclosure! A forced loan modification in XXXX! The photo copied mess I was sent, literally shows the modification in XXXX. The actual mortgage statement and run down and non payments, happen XX/XX/XXXX. Its the blatant lies and cover ups, for 25 years, never helping XXXX American consumer, they did everything they could to rob lie and destroy the housing market the economy and its still a horrible criminal enterprise, and they are still in operation! The payments that have XXXX XXXX, to the late XXXX early XXXX,! Are totally inconsistent and so confusing, XXXX accident death insurance. Then out of nowhere, XXXX, mortgage statements started coming XXXX, XXXX No XXXX charge. The amount of payments late payment pending foreclosure notices! Hurt the few months out of a few and small amount of statements bills foreclosure payments bombarding consumers, In our case and XXXX sure millions more like us, actually worse they paid and paid only to be evicted and lose everything!!! - [ ] The amount of financial damage will not even begin to be calculated, until Wells Fargo, XXXX XXXX, and the CFPB are forced to actually pay and feel the damage of the American consumers paid suffering, the the financial damage pales in comparison to the other not seen or heard mental emotional permanently damaging so many people like myself. T he stress lies deceit purposely knowing and willingness of 2 of the biggest oldest American financial institutions ever, still being allowed to refuse help no matter what and many times or how many formally the have been guilty fines, it doesnt and hasnt deterred the years and years of protected by the government, fraud and theft. - [ ] Its plain to see even before the illegal loan closing and proceeding theft and fraud still allowed to continue Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, CFPB Director XXXX XXXX said in a statement. The CFPB is ordering Wells Fargo to refund billions of dollars to consumers across the country. This is an important initial step for accountability and long-term reform of this repeat offender. No matter what we send its never enough!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have three 0 % promotional balance, with one that ends in a couple of weeks where interest will start accruing. I wanted to pay off the balance whose promotional period is about to end, however Wells Fargo said they would apply the payment evenly to all three balances. This would cause me to accrue interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a bill for {$13000.00} from Wells Fargo due XX/XX/2023. On XX/XX/2023 I submited to XXXX XXXX bank to pay the amount in full by XX/XX/2023. On XX/XX/2023 Wells Fargo cashed the check charging me {$340.00} in interest + {$29.00} fee. In talking with Wells Fargo they state they cash checks on the day they receive them so they are not responsible. In talking with XXXX XXXX they say that they mailed the check on or around XX/XX/2023 and it is not their responsibilty. They have provided me a letter to that effect. Also for some reason it is their policy to mail a check when the amount is over {$10000.00} instead of doing a transfer. XXXX XXXX states they are not responsible because they mailed the check in plenty of time to get to Wells Fargo. I have requested from both banks that they provide the postmark date. Both banks say they are not willing/able to do that. I requested from XXXX to pay Wells Fargo in a timely manor. I followed all of the rules outlined and made the request in a timely manor. Neither bank is willing to take responsibility for this error, and I can not determine who is at fault. Did Wells Fargo misplace the check and cash it late or did XXXX send the check late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I got a couch from XXXX XXXX almost 3 years ago. They financed through Wells Fargo, Ive been consistently paying however, the balance hasnt changed. I reached out to them because for years I wasnt receiving any statements. They had a email on file that wasnt familiar, they claimed they tried to email me but never were able. I asked about the high interest. They said they told me it was 0 % for 12 months. Ive looked on credit report and I still see the same balance. Customer service, were very dismissive and I never got an answer as to this loan that hasnt moved. Wells Fargo has been managing and doing what ever they want in customers accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Vehicle impounded illegally No notice of location given to owner of record Difficulties encountered while determining funds availability which include constant website issues, an app which is nearly useless, and my local branch refusing to cash paychecks written from my place of employment literally one block away from which I regularly cashed checks. Lot fees of vehicle rise exponentially as days slip by. Blocked from depositing checks from lenders Unable to access my funds in bank No way to purchase legal aid in order to enlist the proper aid which might reconnect me with my vehicle. When I finally was able to find the location of the XXXX XXXXXXXX XXXX, it had been towed out of the city where it was parked. The parking lot it was alleged to have been violating the rules of state that a vehicle may be towed after it has been notified via writing on the vehicle after 72 hours from the notice. The owner of the business must be the one requesting the tow. Numerous points of procedure were overlooked I was not sent via usmail my vehicles destination, given pricing, or told a police report number. I spent months arguing futilely with two of the most agreeable organizations with which to spend time conversing logically in the world : the XXXX Police Department and a Privately owned Tow Yard whose owner blocked my cell phone number after I warned him of the potential ramifications of his criminally predatory tow practices. The vehicle was listed at around XXXX XXXX and there were models being sold at dealerships which I would regularly pass by which were priced around XXXX XXXX. After the detective work was finally completed which unearthed the location of my vehicle, the Towyard began extorting me with its demands for exorbitant fees to be paid per day or hour or something with enormous fees tacked on for towing and storage. My Wallet, ID, Cell Phone, Laptop, and much more were in the vehicle they basically stole, and I was in a position where I chose to provide in home care to my mother while she was suffering through XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Bank choosing not to work with me in an effort to recoup my property of significant value for a sum of money which initially did not exceed the amount which I was having direct deposited into my account was morale shattering. I felt hopeless, without value, and alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i had a home mortgage with Wells Fargo and they did not approve a refinance for me and i subsequently sold my home as in a fire sale to have just enough to pay the loan and the broker commission. I recently read in an XXXX aticle of XX/XX/2023 which stated that Wells Fargo may owe me money from a multi XXXX dollar settlement. as i can not find anyway to contact a Wells Fargo representative, i am filing my complaint to you in the hopes of recovering some monies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to Well 's Fargo flak accounts and the ease to create a bank account. i was a victim of mortgage money transfer fraud. I wired about {$180000.00}, as a down payment for mortgage back on XX/XX/XXXX of XXXX. Money was transferred to a Well 's Fargo account and then transferred to bitcoin source. tried to sue and reported it to XXXX, but had no luck. Just heard a bout of a class action lawsuit against Well 's Fargo and i think its related to the same issue i had.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A