Date Received: 2023-05-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I wrote a check from my Wells Fargo checking account ( check number XXXX ) dated XX/XX/2023 for {$440.00}. The check was cashed/deposited however in the amount of {$6100.00} which is {$5700.00} more that the check amount. Wells Fargo does not dispute the check amount was written for {$440.00} nor does it dispute that the amount wrongfully taken from my account was {$6100.00} ( minus the {$440.00} ). Wells Fargo denies responsibility for this transaction despite being the bank from which the funds were fraudulently or mistakenly drawn. Wells Fargo states that it will investigate and it " will try '' to get the money back and that's all they can do. They have some mysterious " process '' that involves " reaching out '' to XXXX XXXX XXXX which is the bank where the check was deposited/cashed. I spoke with at least 5 people at Wells no of whom appear to knowledgeable or empowered to actually help their customers. Instead Wells states that XXXX XXXX XXXX is fault. That Wells Fargo allowed {$5700.00} to be wrongfully taken from my account without immediate or certain remedy is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo would add random fees to my account and freeze my account sometimes as well back in XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a wire payment to a party with whom I have a professional relationship. The wire was for {$560.00} and included {$45.00} in wire fees. After I sent the wire, the receiving party contacted me to notify me that I had put the incorrect recipient name in the wire transfer, and as a result the receiving bank would not release the wire transfer. The receiving party asked if there was anyway to adjust the recipient name. If not the receiving party offered to reject the wire payment and have it sent back, but indicated Id likely lose the {$45.00} wire fee I paid to Wells Fargo for the transfer. I said I would call WF and ask if the recipient name could be changed on the wire payment. They said theyd need to open a claim to explore fully and it could take up to XXXX calendar days to resolve. I expressed some frustration- this appeared to be a yes or no question. It was my understanding that once outgoing wires had been completed there was very little that could be done to change them. I expressed this view point to the banker with who I spoke. They told me that it might be possible and advised letting the claim process play out. XXXX days into the claim period ( so on or around XX/XX/XXXX ) I called Wells Fargo to inquire and the status of the claim. I was passed around their call center XXXX different times even though i had a reference number that i was very clear about when I called. It took me over XXXX Minutes to get someone on the line who could investigate the status of my claim. Once i finally got someone who could help they he no substantive update for me and said it was still in progress, but as we were approaching the XXXX day claim processing time someone should be in touch with a response in the next couple days. I reiterated my concern that the answer was a simple no you cant change the wife info and told the rep it would be easy enough to ask the recipient to reject the wire transfer. They advised that I dont do this and encouraged me to let the XXXX day claim period play out ( suggesting it would be possible to change the recipient name ). XXXX days passed with no response. I called several times over the next week. Each time i was passed around several times and each time I called I had to wait for over XXXX minutes to get someone on the phone. On of around XXXX XXXX or XXXX when I called I called I was told that I had previously been given incorrect information and that the claim waiting time was XXXX days not XXXX days and that I was approaching the XXXX day mark so someone should be in touch soon. Again I asked if I should just have the recipient to reject the transfer. They advised against that. After the XXXX day mark I called. Again I provided the claim reference number. Again I was passed around again and again. Again I held for XXXX minutes. Once I finally got someone they said I was given incorrect information and that the review period was XXXX working days and that someone would be in to un soon. I pleaded and begged for an update. After XXXX business days had passed I called back. Again passed around the call center. Again waited XXXX minutes. Still no update. I told them I was not getting off the phone until I talked with someone who could give me information about the claim. They said ok and I was on hold for over an hour. I told the rep I couldnt wait anymore and I asked for someone to contact me within XXXX hours. They promised someone would be in touch. Nobody was ever in touch. I completely lost faith in the bank Ive trusted with all my financial assets so I finally caved and asked the recipient to reject the wire and I would resend it. When the wire made its way back my account was only credited for {$520.00}. My guess is that this amount reflected the original money I had sent less the {$45.00} fees and maybe accounted for changes in the valuation of the currency, but I lost nearly {$100.00} in the process because of WFs incompetence. To this day ( almost XXXX days after I had originally called ) nobody from wells fargo has been in touch about the claim. Nobody has apologized. And nobody has followed up. I am incredibly frustrated and disappointed with Wells Fargo and feel like I had no other option but to file a complaint with the CFPB. I feel like their handling of this situation goes beyond just irresponsible or incompetent to either a retaliatory or emotionally manipulative situation. After thr XXXX or XXXX time waiting XXXX minutes for an update I got frustrated with the representative and raised my voice ( understandably in my opinion ). The only reasonable conclusion I can draw is that Wells Fargo staff colluded to draw out my claim time as a way to punish me for yelling on the phone. I can not imagine any other circumstance that would explain why my bank, with whom I trust all my financial assets, would refuse or be able to answer a simple question about a wire payment. I would like {$100.00} and both a verbal and apology from Wells Fargo. The unresolved claim number is : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I received multiple phone calls from my bank stating someone was attempting to transfer money in amount of XXXX dollars using the XXXX feature. It didnt sound right so I hung up on them and immediately called my bank fraud dept and told them this and to please freeze my account and do not allow any money to transfer out. They transferred my savings into another account in correct amount. I thought I was safe. The next day the transfer went through. This amount put me well over the actual limit that is allowed for the mos. I believe a Wells Fargo employee could be involved with this. No one can explain to me how this happened and my bank is refusing to refund my money. Wells Fargo is not protecting my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Dear CFPB, I am writing this letter to express my utmost disgust towards the blatant disregard of the law by a certain company. This company has been violating me for the past 6 months, despite me having a paid lawyer, and calling me personally even though they are aware of my attorney 's presence. This is a clear violation of the laws that are in place to protect me as a consumer. I am tired of the harassment that I have been dealing with, and it seems like nobody has considered my safety, time, money, or health in this matter. This is unacceptable and shows a complete lack of respect for the laws that are in place to protect consumers like me. I should not have to live in fear. When Wells Fargo called me not even 10 minutes after my complaint was sent, it caused me more stress and anxiety. It also let me know that they have no intentions of doing the right thing. I am asking the Consumer Financial Protection Bureau ( CFPB ) to step in and do what is fair according to their laws. I would like to be compensated under the laws provided to me. This company needs to be held accountable for their actions, and I am confident that the CFPB will do what is necessary to ensure that justice is served. I urge you to take swift action against this company and ensure that they are held accountable for their actions. I have to stand up for myself when I know that a fraud has been committed against me. I will not pay for something that was gained by deception, deceitful tactics, harassment, nor fraud. Im asking for your help. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Every time I would check my balance there would be a transaction for something from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/2019, I was approved for a credit card with Wells Fargo for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to Wells Fargo. The bill was paid by me thru my bank account and multiple deposits to credit card. Wells Fargo raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to Wells Fargo to dispute and provide paperwork to show bill was paid. Wells Fargo rep told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after Wells Fargo began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and XXXX in XXXX. Wells Fargo reported balance as being correct. In an effort to clear the amount on my credit report I paid Wells Fargo {$2000.00} under certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. Wells Fargo responded to dispute that I still owe the balance of {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX Wells Fargo refused to work with me on a loan modification, causing me to file for bankruptcy from XXXX to XXXX. My lawyer had to work with them to save my home. They ended up selling my mortgage to another company in XXXX or XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15227
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Still not letting this go! Wells Fargo has showed how classless it actually is. this is the 5th complaint on the same issue and the bank refuses to take responsibility for the dispute that is entirely its fault. why do I have to jump through hoops to prove my innocence on the back of a security breakdown of the bank. I have been through so much with my family and countless hardships due to the lack of compassion on the banks part and my family has been put in jeopardy because of it. ive done exactly as I was asked by all parties involved and still as a loyal customer of 20 years, am being asked to eat everything I have in all my accounts combined and the banks has not even offered as much as a XXXX of compensation. I will not stop these complaints Ever. until I have what was stolen from me I will not stop. its complete XXXX that the bank said they tried to get my money back from the XXXX XXXX that allegedly got my funds. ive done my due diligence and I am not willing to let this slide. im contraction every news outlet and im blasting this story. enough is enough. im tired of being blamed for your mishap and im tired of doing without while the bank looks down its nose at me and my family getting robbed while it fails to meet expectations of security and loyalty. grow up and make this right. I want every cent that was lost not a dollar more or a dollar less. im not in this to get a free payday. I just ask that I get back what I worked for months so hard for. just asking for decency. refer to my past complaints for details. if you are my case worker reading this put yourself in my shoes and imagine looking at my wife and XXXX XXXX XXXX girl and explaining why they didn't get a XXXX last year and why food is scarce. not a pity party but reality. use the contingencies that the bank has to make this right. do something opposite of the greedy world and help those who invest there money into a banks protection and rely on it to keep its word. protect those who are employed by the bank because of our business. ive more than proved my own innocence now lets see the bank do the same. God Bless The XXXX family
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Wells Fargo Finance Incorrect billing leading to repossession around XXXX Also I had Wells Fargo account with incorrect fees added and multiple overdraft fees leading to account closing around XXXX I received a letter a long time ago but have not received payment from lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86301
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A