Date Received: 2023-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited 2 checks totally over $ XXXX on Friday, XX/XX/XXXX from my 401k company, XXXX, for my house down payment and closing costs. I was initially provided a receipt noting that the funds would be available on XX/XX/XXXX. I received a memo from Wells Fargo morning of XX/XX/XXXX stating that the funds wouldnt be available until XX/XX/XXXX due to a returned check. I called Wells Fargo they said XXXX had written a bad check to another customer, so I would need to go into a branch to get it resolved. I went to the branch, the customer service agent told me the same thing as the rep on the phone, and so did her manager. They said to come back when their branch manager was in office Tuesday because back office had placed a hold. I called XXXX to ask about the bad check ; they said they couldnt discuss anyone elses account. I asked if they had in fact written a bad check or were going bankrupt ; she said no. My bank can call to verify the funds. At this point all Wells Fargo branches were closed. On Monday, I went to the XXXX branch to talk to a branch manager, but there wasnt one in that day. The nearest manager would be balboa, but XXXX, the manager, was in a meeting but the manager may be able to help. She confirmed with XXXX that the funds hadnt been released to Wells Fargo yet, so I wouldnt be able to retrieve them even if they had been released to WF. This circle of back and forth continued between XXXX and Wells Fargo about calling to verify funds. I finally spoke to a WF rep that was willing to reach out to loss prevention for assistance. The loss prevention agent contacted XXXX XXXX, but XXXX XXXX XXXX wasnt able to verify the funds because they couldnt locate them. XXXX continues to claim that the checks had been processed and deposited. However, there still wasnt any confirmation from Wells Fargo. My employer recommended going into a XXXX branch if they could help or call them. I called, but the rep said because it was from a business they couldnt check it only if it had been a personal account. As the week progressed I spoke to roughly 60 Wells Fargo customer service agents ; all who continued to say there was nothing they could do but the process is to try again on Monday, XX/XX/XXXX. However, I close on my house on XX/XX/XXXX. No one seemed to truly comprehend that the purchase of my home was at stake. On Thursday morning ( XX/XX/XXXX ) my employer was able to gather the check numbers, dollar amount of checks and date it posted on the issuers account for me. Information that was previously requested from the loss presentation people above, but empower provided the information until XX/XX/XXXX. My employer informed me of the information and I called XXXX Wells Fargo to see if their bank manager was in. He wouldnt be until XXXX because he was at a meeting, but to come in or call then. I called the balboa branch multiple times, and the auto machine said no one is available to assist me and automatically hung up. Another branch, said they werent going to do it, because they didnt want to take on the risk. I called the XXXX branch back at XXXX, but the manager hadnt shown up. She took my contact info, so he could call me when he got in. At XXXX, I called back because the manager had yet to contact me. The operations manager said she couldnt help me either because her risk specialist told her not too. It would be a branch manager situation. She would try to call XXXX, but it would have to wait until tomorrow. Tomorrow, Friday, XX/XX/XXXX, I showed up a few minutes before the branch opened and spoke with XXXX. The manager that they had referenced the day before that hadnt shown up. He agreed to call XXXX, the contact at XXXX, to verify the funds. I was finally able to collect and wire the money prior to closing. The treatment from all institutions was inadequate, delayed, and has I not been persistent with this entire situation would likely wouldve lost my house entirely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
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: Trouble during payment process
Subissue:
Consumer Complaint: I was in Foreclosure process during the years XXXX, the bank officers were rudest during this period, finally I had to filled Bankruptcy XXXX XXXX to save the home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33175
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: Banking errors
Consumer Complaint: To many fees and money being pulled out with out permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
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: My account was continually locked down so I could not spend my money when I needed to. Bank fees were constantly charged even after funds were deposited in time. They put a garnishment on my account and did not notify me- which caused multiple bounce fees and finally had to close the account. I had banked with Wells Fargo for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
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: Fraud or scam
Subissue:
Consumer Complaint: This bill account was set up to pay my mother 's bills after my father passed away. While I was being email bombed, I was busy deleting emails from the last couple of days in XXXX to XX/XX/XXXX and I came across an email that said I sent a transfer to someone named XXXX. I immediately called Wells Fargo about the transaction and found out transfers had been happening all that week. I did not make the connection that the transfers and my overwhelming emails were the same problem. After talking to the bank, freezing my accounts and opening another one, and submitting a fraud claim, I went to my email and changed my passcode. After doing that the emails stopped. There is history showing that the only thing I use the account for is to pay bills. Today I received a letter stating that their research showed the transactions were made through a secure online banking session by me or someone who had authority. They said they could not disclose how it was done and where it was done. When I was on the phone I let them know I use my Apple Pay daily but never let anyone have my personal information. I am confused that XXXX was taken with my consent. I would never do that to my mom. The only other person on the bank account is my XXXX XXXX XXXX. My mom does not know how to do anything online. My sister lives in XXXX and would not do this. Please help me understand what happened. Wells Fargo is asking for evidence that I did not do it. The only thing I have is all the emails I had to delete that preoccupied me from seeing the earlier transactions. How can I get this money back? XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29730
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 lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Im applying for the wellfargo settlement regarding consumer complaint. I have a well Fargo account with Well Fargo between XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
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: Trouble during payment process
Subissue:
Consumer Complaint: In late XXXX and early XXXX I fell behind on payments on our home mortgage with Wells Fargo Home Mortgage. Beginning about the XXXX of XXXX I began making payments to catch up. Between then and XX/XX/XXXX, most months I made 2-3 monthly payments. In XX/XX/XXXX, WFHM abruptly blocked me from making additional payments in that manner, instead requiring that I pay the entirety of the past-due payments at once -- at that point, the equivalent of 4-5 months of payments. I was unable to do so, and the outstanding balance began to accumulate. That began a nearly 4-year loan modification odyssey that is nothing short of a Catch XXXX XXXX. The loan was finally modified in the late summer of XXXX after innumerable document submissions and phone calls. This process cost me significant legal fees and, more importantly, was materially adverse to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
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: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX XXXX $ was taken out of my account but put back in and then on XX/XX/XXXX it was taken out again but my bank account available stayed the same. XX/XX/XXXX XXXX $ was taken out and put back in and then charged XXXX two or three days later. Made a payment online XXXX XX/XX/XXXX and no record was ever shown but I received a confirmation number and I never screenshot them cuz I never have had a problem and now my car has been repod and I have to come up with XXXX to get my car back. I was told 3 different things by three different people. The first one asked me if I wanted to do a payment plan ( I think ) and I said no as I didnt understand what he asked and he also told me that I was only 82 days late I informed all 3 people of me making that payment and its like they never even heard me. The last guy told me it didnt sound like Id come up with the money to go ahead and go get all of my belongings and my license plate. When I get my car back theyre definitely losing me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Accounting errors that need to be corrected immediately. Please see attachments for further details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Im still being charged XXXX $ every month from XXXX XXXX even though Im not a member of XXXX XXXX anymore for more than 6 months now. I keep getting over draft fees because I do not want to keep money in my account because it will get taken every month for a membership I dont even have.!! XXXX XXXX in XXXX 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: 34135
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A