Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Wells Fargo will not remove late payments reporting incorrectly by Wells Fargo 's fault. The tradeline for furniture was not late and paid in full. The account closed in XX/XX/XXXX. The Credit Report that was pulled for my mortgage states that I was late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can you be late on a paid in full, closed account? I have submitted disputes and called numerous times to get Wells Fargo to fix this error. No action has been taken by Wells Fargo to fix their mistake while my credit score is being punished and penalized. This is unfair to the public consumers and limits borrowing/buying power. Also, this disaster of a service from Wells Fargo negatively affected the interest rate I was able to obtain for my mortgage. Wells Fargo should be punished and fix the errors immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 - attempted to deposit {$450.00} at Wells Fargo ATM. ATM said it could not accept the bills. Returned one {$50.00} bill. Did not return the remaining {$400.00}. ATM froze and did not return debit card either. Went inside to branch - no help. Handed card with standard Wells Fargo phone number. Called. Filed claim. Representative would not credit more than XXXX cent to my account. Asked if I would be reimbursed for penalties acquired due to lack of funds in the account for upcoming bill withdrawals. She did not provide an answer. It has been one week and I have received no update on my missing {$400.00} deposit due to no fault of my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Case number : XXXX Account number ending in : XXXX In early XXXX I submitted a claim against XXXX for {$1700.00} because they refused to give a refund originally when I submitted a claim with them. I had to call Wells Fargo to submit a dispute due to no return of service and they temporarily credited my account. Now fast forward, XX/XX/XXXX I received a letter in the mail stating that the claim has been resolved and they would reverse funds on XX/XX/XXXX. On XX/XX/XXXX I called in to Wells Fargo to ask them if they could pull funds on XX/XX/XXXX or XXXX, that way it doesnt interfere with my bills and I can also make sure Wells Fargo gets their money. They submitted a request and when I called in the next day XX/XX/XXXX, they said the request was denied. Now fast forward to XX/XX/XXXX {$1700.00} was drafted from my account. I called in to make a dispute because I didnt know who was pulling money from my account. They informed me that this occurred because of the reversal of credit and then I brought up to them that now my business account is in the negative. This is unacceptable because I was properly handling this from the beginning to make sure My account would not go negative and make sure Wells Fargo was financially taken care of too. I have a phone call verifying that Wells Fargo did a call review and did confirm that I called in to try to have them take the payment out XX/XX/XXXX or XXXX and they denied it. Yet two months later they could just randomly pull out {$1700.00}. And now Im not sure when that money will be paid back because I didnt plan for it and currently on XXXX XXXXXXXX because my XXXX XXXX XXXX XXXXXX/XX/XXXX. This is crazy to me that when I try to properly handle this to make sure Wells Fargo is taken care of, they can deny it but are allowed to take out money whenever from my account without any notice?? I also called in multiple times to speak with a supervisor named XXXX and I asked her to send me the disclosure where it states that this is an acceptable thing for Wells Fargo to do and she refused and said I could just look it up online and she ended up hanging up on me. I told her how upset I was that Ive been a customer since 2012 and this is the response that they give for someone thats been a customer in good standing for over 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: We've been charged unnecessary overdraft fees on the following years : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by fake XXXX customer support which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to the fraudsters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 .I withdrew {$2000.00} from a Wells Fargo ATM on XXXX and XXXX in XXXX XXXX Nevada after trying to deposit the money back into the ATM. It had an error that it didnt take deposits, so I held onto the money till that afternoon when I went to the gym and tried to deposit it into a XXXX and XXXX XXXX XXXX XXXX , NV ATM , which only deposited XXXX before malfunctioning also.I tried calling multiple times with no resolution it was after hours, so thats all I could do. I had to go back to work the next day with a busy week when I finally got through the bank gave me a temporary credit of {$1300.00} pending investigation. Today is the day after XXXX XXXX XXXX XXXXXX/XX/XXXX three months later they being Wells Fargo revise the credit and withdrew {$1300.00} out of my account saying that there was no error made. This is a XXXX false the ATM stole my money and now Wellsfargo is trying to overdraft my account with multiple charges. What can I do to resolve this and get my money back?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I called up to pay off a bill on a maxed out credit card Wells Fargo and bring it up to speed. I am in the middle of divorcing, I requested that my ex-wife be removed as an authorized user and not be able to charge the account at all before I paid off the account -- as it was not a joint account, this is a reasonable request that every Wells employee agrees is reasonable. I was given conflicting information by multiple people at Wells Fargo and sent around a phone tree that disconnected me more than once. Finally, after getting to a Customer Service Representative, I was told my ex-wife was removed as an authorized User from the account. I was also told that in order for me not to be considered responsible for any purchases made by my ex-wife, Wells Fargo would need me to report the card lost or stolen. Nobody at Wells Fargo would confirm in that whole process, if making a payment would make my credit card re-activate. I double checked on the call what happened to interest and fees while I waited for a new card and was informed they would not be charged. I was surprised with the answer but it was clear. I also lodge a complaint about being bounced around and given conflicting information. The Wells Fargo Executive Office, without contacting me, investigates the complaint and closes it as resolved ( which as will be seen shortly, is manifestly incorrect ). Fast forward 8 days. I call Wells Fargo as a new card has not been received. I was told that the card had been cancelled at that time, despite nobody reaching out to me and my last contact was that this was the only way to resolve my account. This resulted in another case being created by the Executive Office to investigate. At this point it is realized that Wells Fargo sent me mail for 3 months that I never received due to divorce and nobody ever mentioned to me that my account had been moved totally to collections. Wells Fargo stated this was key information that I needed to receive and was shocked I had not received it at all nor that anybody had mentioned it to me on all of my earlier calls. The investigator on the second case pulled down the information from my ex-wife, supposedly removed, called her multiple times ( thus giving away the information that Wells Fargo is trying to reach me, which is my confidential information ). This demonstrates that 1 ) Wells had not fully removed the former authorized user despite receiving the instructions and telling me that was done. and 2 ) demonstrated that the person in charge of the case was not investigating the case itself. This case was escalated to the persons ' boss named XXXX, who I advised that the person given the case was not capable. He stated that she would be investigating it anyways and to give Wells 10 days. He also said he would call me back before Friday XX/XX/XXXX, the 10th business day. That did not occur Today is XX/XX/XXXX. XXXX called me back. On our first call I had to direct him to listen to the call where I was told a new card would be received and that interest and fees would be waived until it was. He said he could send the call. But immediately said he could not do so until they concluded the conversation when I asked to have it sent. He admitted that the original investigator had not handled my case properly. He also refused to have a conversation about resolving my account, despite agreeing with the flow of information I received. Wells Fargo apparently thinks that giving incorrect information to a client, promising them that fees and interest are waived until a card is received, cancelling that card, is perfectly acceptable -- notably they reviewed this call at the Executive offices and said it was appropriate the first time and the current review, despite going past the deadline given to me, refuses to discuss how to resolve my account. I do not appreciate Wells Fargo investigating their own managerial mistakes while giving me manifestly false information. Wells Fargo has most recently denied even discussing resolving my account with me on the last recorded call so that they can investigate whether their own managerial processes were followed ( note : this has nothing to do with me, as we are not disputing the information I was given, the order of events, or that the information was reviewed ). Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX I have submitted a credit card application on Wells Fargo application on line, Im an existing customer with Wells Fargo having a saving account has more than XXXX and my credit score as per Wells Fargo application is XXXX However my credit application was pending for few seconds then was declined right away. My complaint is because my score is good and my credit history is good however I still got denied I called the credit card department and it was like running in a circle with no outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I realized my wallet, containing all my debit and credit cards, had been stolen from my car. That moment I called Wells Fargo ( issuer of my stolen debit card ) that the card had been stolen and that there was already a fraudulent charge showing up on my online banking app in the amount of {$170.00}. I asked them to immediately shut down the card and issue a new one since I had no way of obtaining money. They told me a new card would arrive in 2-3 days and noted that I was disputing the {$170.00} charge that showed up that day. The attendant I spoke with assisted me in loading the newly issued card onto my Applepay so that I could withdraw money while I awaited the arrival of the new card. I made it absolutely clear during this conversation that my card had been stolen ( hence, why they expedited the XXXX solution during the wait for my shipped card ). After ten days, in a letter dated XX/XX/23, Wells Fargo denied my fraud claim and determined the fraudulent claim was authorized and asked that I consider [ my ] claim closed. I immediately called the number given me on the letter and spoke to an attendant who explained that since my claim stated I had my card in possession, they concluded that I made the charge. I explained over and over that I made it clear my card had been stolen at the time I reported the fraud, and that such was evidenced by the fact that the attendant even helped me set up my new card on my XXXX because they knew I had no means of withdrawing money while I waited XXXX days for a new card. Ive been a customer of Wells Fargo for 24 years. Im stunned by their conclusion that the card was in my possession especially given the fact that they helped me replace a card that had obviously been stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Sunday, XX/XX/XXXX Wells Fargo made a fraudulent withdrawal of {$4000.00} from my checking account. Apparently someone hacked into their system. I called on Monday, XX/XX/XXXX and they told me to close the account and they filed a fraud claim. They also assured me the money would be returned. They also told me to file a police report. I did both, closed the account and filed a police report. I called again on Thursday XXXX, XXXX they told me they identified the thief, and assured me the money would be returned within 24-48 hours. This did not happen. I called again on Wednesday, XX/XX/XXXX and was told that funds would be returned in 24-48 hours. No returns made. I called again today, Monday, XX/XX/XXXX and was told that they couldn't guarantee when the funds would be returned. I greatly appreciate in advance anything you can do to expedite Wells Fargo returning my money as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A