Date Received: 2023-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a dispute about the balance, I am requesting the full accounting and statement of accounts according to UCC 9-210. Also, I need a copy of the retail installment contract that bear my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a dispute about the balance, I am requesting the full accounting and statement of accounts according to UCC 9-210. Also, I need a copy of the retail installment contract that bear my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Dear Financial Bureau, Consumer Services, I am writing to file a complaint against Wells Fargo regarding overcharging on my vehicle loan. I have recently discovered that Wells Fargo has been overcharging me for my vehicle loan by adding unnecessary fees and charges to my monthly payments. Upon reviewing my loan statements, I have found that there are several charges that were not properly disclosed to me at the time of signing the loan agreement. These charges include but are not limited to, application fees, processing fees, and other undisclosed charges that have resulted in a significant increase in my monthly payments. As a customer, I feel deceived and taken advantage of by these excessive charges. I believe that Wells Fargo 's actions are in violation of fair lending practices and have caused me undue financial hardship. Therefore, I am requesting a full refund of all overcharged fees and charges. I would appreciate your assistance in resolving this issue as soon as possible. Thank you for your prompt attention to this matter. Sincerely, 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: 33417
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 at XXXX XXXX, I received a text message from XXXX XXXX, an XXXX Mastercard administered by Wells Fargo that an XXXX charge for {$15.00} had been attempted and declined. When I called the fraud department, I was either ( a ) told that I had no account with them associated with the phone number I called in from, even though they were the ones that messaged me ON THAT EXACT NUMBER or ( b ) put on hold to speak to a representative and then the call would would never connect to someone in their fraud department or I would be transferred to the incorrect department. I am currently unable to reach any person at Well Fargo after they messaged me at XXXX in the morning regarding a charge I did not do as I was home. Well Fargo already has a trash reputation after committing criminal fraud when opening up accounts illegally for people without permission and they are now precariously close to having a formal complaint filed to MasterCard for violating the card holder agreement and not properly connecting a customer to the fraud department for unauthorized use of their card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I opened an auto loan with Wells Fargo in XXXX, XXXX. I made my payments on-time and they had my truck repossessed in XXXX, XXXX after only missing one payment. They've since obviously sold the truck and have forgiven the remaining debt on the loan. I have a XXXX balance and my loan is literally months from falling off of my credit report, BUT, they've incorrectly labeled my payment history on my credit reports. I recently read an article posted on XXXX from XX/XX/XXXXXXXX titled " Wells Fargo might owe you moneyheres how to get it. '' In that article, it said that Wells Fargo had been sued and that anyone that had an auto loan between XXXX and XXXX would qualify for damages. It specifically said " For auto loan customers, illegal practices include prepaid gap coverage that wasnt refunded when loans were paid off early, incorrectly applied payments that led to higher interest charges and fees, and unwarranted auto repossessions. The total amount of damages owed to each affected customer will vary, according to numbers provided by the CFPB. For automobile repossessions, compensation is at least, but is not limited to, {$4000.00}. '' I believe that I'm affected and I have NOT received {$4000.00}. My Loan Account ended in XXXX Since the repossession of my vehicle, I've moved and changed phone numbers. Unfortunately, I only have the last four digits of my account number, however, I can provide my name, social, former address, anything they need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77015
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was going through financial hardship and was trying to negotiate a payment plan, they refused and my vehicle was repossessed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am still being contacted by XXXX XXXX, and I know it`s going to be the same response. He refuses to lower the monthly payment. He insists that wells Fargo Auto Finance was 'not present when the loan took place '. This still holds no water. Wells Fargo Auto Finance could see my credit score, and by looking at my banking records before I closed my checking account with wells Fargo. I have repeatedly told him that I did not receive the sales paperwork until two weeks after the deal was done. The car dealership also forged how much I make each month, along with how long I was employed, which was only one month with the healthcare agency. I highly suggest they either refinance this loan or lower the monthly payments as I am on XXXX. I have my award letter as well to show the judge that I didn`t make anywhere near the amount that was on the Loan Application. No Home health Aide makes {$4000.00} a month, and I can barely get by without working a lot of overtime to pay my monthly rent. I`ll be XXXX years old this month, and this, I feel is taking advantage of me not only as being XXXX, but as a XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had a student account with Wells Fargo in XXXX. I was charge extra overdraft fees which was eventually sent to collections
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: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
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/25 there was a charge on my Wells Fargo credit card for {$8800.00} for XXXX. When I received the statement, I immediately called the bank and file a dispute. I was not familiar with this organization and was surprised to see the expense on my card. When I spoke with the credit card rep they started the dispute process and cancel my card. I also filed a police report as I was very concerned. Police report- XXXX. A few days later, I received a letter from Wells Fargo advising me that they will reverse the charge claiming that it was authorized by me. They stated that they sent us two-way notification, and I approved the charges. I saw a text on my phone but I never responded. In addition, this is a large charge overseas to a charity in XXXX. The card is rarely used by us. We have no relationship with any organization in XXXX. I was back and forth with a few rep from Wells Fargo and they reopened the case a few times but now they advised that we need to pay. I don't understand how is possible... did they reach out to Merchant in XXXX? They mailed us the investigation results and showed some IT transactions and we called back and asked for an explanation they could not provide. Never had any credit issues and I don't understand they can think that they can charge us for something we never approve or requested. When they sent the case to one of their internal investigator, XXXX XXXX, she wrote back to us the following : I name XXXX XXXX as a victim. We desperately need your help as Wells Fargo refused to assist any more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Excessive fees
Subissue:
Consumer Complaint: Around 2011 I had a credit card that they say I didnt pay my credit card which it was not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A