Date Received: 2023-05-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been over charged draft fees and was being charged by a company for years though I asked for that to be stopped. Constantly being over charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Did not allow me to lower my APR, refinance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mother is dead, she died in XXXX and you foreclosed against her in XXXX. XXXX XXXX XXXX and XXXX put a Power of Attorney on the record in XXXX saying they were my mother 's POA. How! She is dead? She had an executor and they usurped the executor. That is illegal! I am part of the XXXX XXXX XXXXr XXXX XXXX XXXX and am one of the original members whose land was listed in the public notice placed in the newspaper involving 87 other property owners. I am a member of FBI Case Number XXXX where it has been proven that all the banks are committing Mortgage Identity Theft and 5 other crimes when they foreclose on any property or land. Frankly, they steal, and you are allowing them to take our house, land, equity, title and leave us with nothing. When are you going to stop allowing these crimes to happen? Aren't the people paying your salaries? Don't you take an oath to protect the people? I am also part of the Department of Justice group action where they found the banks have in fact committed crimes and are in the process of paying out the money WELLS FARGO was ordered to pay for fraudulent practices. I am not the criminal here, WELLS FARGO has shown they consistently do criminal practices under XXXX XXXX, then Wachovia and now WELLS FARGO. Seems as though the government is oblivious to the crimes or are you a participant with them? XXXX owns thousands of acres, consolidating all properties under one umbrella and you are allowing it. Have you sold us out? Are you conspiring to kill the people and own all their assets? So sad that it has come to this! My grandmother is dead, she died in XXXX. Ask WELLS FARGO why they foreclosed against a dead woman? Why they brought her note from World Saving Bank that no longer existed because she was dead. I settled her note and the deed of assent says the property is owned fee simple. Yet you foreclosed against a dead woman in XXXX, when her estate was already settled. You lied to me many times, I settled with you again and you lied again. The Legal Notice you ran in the newspaper was against XXXX XXXX. If she did business with you, how did she? She was dead? You have no wet-ink signature. You are defaming my grandmother who was a civil rights leader who worked in the community for 50 years, be careful of how you destroy her name sir! I am so tired of explaining to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and others. WELLS FARGO conspires with these companies to commit fraud because they have been provided settlement, have discharged and have been provided settlement again. Since lying WELLS FARGO employees want 60 days to investigate something they have investigated many times in the past, according to the Fair Debt Collection Act they are supposed to take the disputed item off the credit report while they investigate. I guess WELLS FARGO makes the rules, I guess they don't have to follow the law, I guess XXXX money can buy you anything! When are you going to stop WELLS FARGO from damaging the people! They have killed me in commerce, financially slaughtered my character, economically held me XXXX until I have suffocated and now my vessel in commerce is dead. How am I supposed to live? I am a living woman who has the same right to live in peace on my own land but WELLS FARGO continues their deceitful tactics and their conspirators XXXX, XXXX, XXXX, and XXXX help them perpetuate the fraud. According to United States Code Title 15 Subsection 1601-1666 Pertains to WELLS FARGO 's bad banking practices. Consumer Law - 15 USC 1602 ( I ) Credit Card - used my Social Security Card as funding to pull credit, so what has WELLS FARGO lost? They are liars! Truth in Lending 15 U S Code 1605 Determination of Finance Charge ( what they aren't telling you ) - Finance charges should be provided separate from the rest of the document, but you WELLS FARGO loves small print and comingles all the charges together. ANY transactions that I have ever done with WELLS FARGO have been settled many times over plus when I had my business account their they got full benefits for the income I put in the bank from the business. They kept title to the securities deposited because according to their records the securities were abandoned. If the public school system and universities trained us to operate in commerce we would know and America would not be on the verge of finance collapse! This is WELLS FARGO and their gang of banking criminals ' fault!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo atm withdraw of {$1900.00} was taken when my card was stolen and reported stolen i than was reimbursed by the bank following a 10 day investigation. When investigating atm cameras where not reviewed and held me liable for stolen card and amount of {$1900.00} was reversed this happened around XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: i am inclosing pertinent information on my claim to the settlement I'm entitled to as there were accounts opened in my name to which I'm giving the claim number and the documents that were notifying me of the breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Ive called to turn off over draft fees they said I couldnt Ive paid over draft fees multiple times from being over drafted sometimes very few dollars for days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with [ XXXX XXXX ] Accord and Satisfaction [ XXXX XXXX Full satisfaction Of Claim ] [ FDCPA 15 USC 1692 ( c ) ( e ) & ( g ) ] XXXX XXXX moves the Court for Summary judgment on the claims contained in its complaint for Summary Judgment. The Defendant Breached an Actual contract by a broken promise without a legitimate lawful excuse. The defendant continues to collect on a debt that Plaintiff denies he owes. The Defendant is using the US post office to send debt collection letters for an invalid debt and is acting in a capacity of a 3rd party debt collector by sending illegal repossession letters through the U.S Postal Office as recent as XX/XX/XXXX. The Defendant agreed to fully satisfy the debt but did not comply and has been collecting payments under threat, duress and coercion which is in breach of the modified agreement and now in violation of the FDCPA [ FDCPA 15 USC 1692 ( c ) ( e ) & ( g ) ] The Defendant did not reposed point for point to 3 notice of claim of disputes or affidavits sent under notary presentment. Finally the defendant did not satisfy outstanding invoices presented to the defendant for overpayment of an unverified debt after Full Satisfaction of the Claim. On XX/XX/XXXX a check from Wells Fargo Bank for the amount {$580.00} was sent to WELLS FARGO AUTO FINANCE and the instrument contained a conspicuous statement written in the memo of the instrument For full satisfaction of claim. WELLS FARGO AUTO received the money order on XX/XX/XXXX and credited the account. ( See Exhibit A ) Payments where made to stay in honor and was Accepted and cashed. A Second payment by Money order was sent on the amount of {$580.00} from the United States Postal Service on XX/XX/XXXX by priority mail Both Payments were sent to WELLS FARGO AUTO XXXX XXXX XXXX XXXX, CO XXXX 2. On XX/XX/XXXX XXXX, XXXX a notice of payment dispute was sent to XXXX XXXX XXXX dba along with an invoice for additional monies paid since full satisfaction of claim. CEO OF WELLS FARGO AUTO. There was no response to the notice. ( See Exhibit B ) 3. On XX/XX/XXXX, XXXX a second notice and opportunity to cure was sent along with an invoice for additional monies paid since full satisfaction of claim to the above mentioned via a correspondence via email to XXXX after they sent a offer to remove the dispute which I did not agree to after email correspondence with XXXX XXXX on and again with XXXX XXXX on XX/XX/XXXX. Also mailed on XXXX XX/XX/XXXX. 4. On XX/XX/XXXX, and third notice of default and intent to sue was sent to the parties, and still WELLS FARGO AUTO has failed to honor the instrument and provide me with a remedy. Then I found out that the debt was paid and not my obligation and that they took {$1000.00} from me violating the TILA ACT. NOTICE OF BILLING ERROR PURSUANT TO 15 U.S. Code 1666 Correction of Billing Errors In reflection after looking at this retail installment contract, payment history details, and considering the fact you never gave me any money and I extended you credit by giving my social security number pursuant to I require all monies I paid back to me because I was never given a loan. I request additional clarification including elementary evidence that you gave me a loan and deposited money into my bank account. I believe this is a computation error or similar error of an accounting nature of the alleged creditor on these statements. 4. Finally the attached payment schedule is inaccurate I dont see any place on this ledger or calculation that you Wells Fargo or XXXX gave me a loan. I DENY I was given a loan. Show quick proof that XXXX or Wells Fargo in fact gave me a loan. I demand a certified statement of accounting under penalty of perjury that you gave me a loan and gave me money. I dont have any evidence of a loan deposited into any bank account of mines after checking. If so produce the ledger that shows Wells Fargo or XXXX placed a loan into my bank account and I paid you. I required a certified statement of accounting not just something of a computer. 5. I see a finance charge for a {$1000.00} downpayment thats in breach of the TILA I demand the {$1000.00} back that I gave you in addition to my signature that created the credit for this transaction. I was never to come out of pocket for a loan pursuant to 15 U.S. Code 1605 Determination of finance charge. the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. 4 ) Fee for an investigation or credit report. ( 5 ) Premium or another charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. If you dont correct the billing error or remove it in 60 days then I expect a full refund of all monies paid since inception or I expect a clean title delivered and you agree to the terms of this agreement if you do not comply. ( 7 ) A full satisfaction of the claim was accepted in addition to the billing error pursuant to UCC 3-311. Show cause or show me what law states that you can violate the law of full satisfaction of claim under penalty of perjury. If you want the car back I will gladly return the car on the condition you refund all of the monies paid since inception because you did not give me a loan. This is a debt instrument that wasnt given with any consideration I never received a loan. Please correct the billing error and send a clear title.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/XXXX I opened a business account with Wells Fargo and added my first cashiers check from my client of {$5300.00}. I was assured that it would be fully available come XX/XX/XXXX, which it was. As we are waiting for our business accounts debit card to arrive, my wife and I took it upon ourselves to send {$300.00} to the personal account that we have had since XXXX, so that we could use that debit card to purchase tools. Upon examination of our account later at XXXX Tuesday evening, all of the money was gone, and now including a negative balance of {$300.00}. On XX/XX/XXXX at XXXX XXXX I went to Wells Fargo directly, the same one that we started the business account with, and was told that I would have to wait till XXXX XXXX in order to rectify the situation. I had other things to do at my job site, so unfortunately I did have to leave. Upon returning at XXXX XXXX I was told to wait off to the side, and was not approached till after XXXX about my account. I was then told that there was nothing that could be done because ( they ) werent sure if it was a fraudulent cashiers check, but had to make sure. From there I was told that the money that I needed to order cabinets for my refurbishment and pay my workers would not be available until the XXXX. Today being XX/XX/XXXX, I took a copy of the check, which Wells Fargo was graciously enough to give to me, and went to the XXXX XXXXXXXX XXXX where the check was made. My client the maker of the cashiers check also was gracious enough to not only give me a copy of his drivers license, but also a copy of the receipt for the cashiers check to prove that it wasnt fraudulent. Needless to say, I do not have my money, and this is costing me time and money with my work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I got scammed out of {$2200.00} from a person who was selling an XXXX gaming console through an app called offer up. This person was selling the unit for {$150.00}. I agreed to purchase the unit for {$150.00}. I asked for the pick up address and the address was XXXX hours away. I live in XXXX XXXX and the address was in XXXX XXXX. I agreed to pay this person trough My mobile banking using XXXX. ( wells Fargo ) I sent a payment of {$150.00} to this person. Immediately I received a message back from this person saying that he accidentally had refunded the {$150.00} back into the account. He sent me an email with a message coming from his XXXX XXXX XXXX stating that the money was being refunded. I made another transaction of {$150.00} through XXXX thinking the money was actually being refunded. After, I received a second text message saying to check my email again because he accidentally had refunded {$1500.00} back to my account instead of {$150.00}. After this point I kept getting calls telling me to return the XXXX. I got calls telling me that if I did not send the money back they he was going to call the police. I felt I had to return the money because my intention was to purchase the XXXX XXXX for {$150.00}, not to steal his money. This person used different names for this transactions because his account was locked after sending the {$1500.00} by accident. The names provided were XXXX XXXX {$750.00}, XXXX XXXX {$750.00}, XXXX XXXX {$400.00}, and XXXX XXXX. I bank with WELLS FARGO. I called Wells Fargo so they can stop the Transactions and they told me there's nothing they can do. I have called and filed a few reports with Wells Fargo and it seems they are not helping me to recover my lost funds. The only thing they did was to help close my account were the money came out from and I opened a new account. I have called XXXX as well and they tell me is Wells Fargo who i have to call and Fargo tells me to check with XXXX. Wells fargo reps tell me that there's nothing they can do because they treat it as cash transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90022
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Wells Fargo credit card shows an outstanding balance that is more than the running balance kept in my account. There is an amount for which there is no record : {$24.00} is the amount not showing. It is included in my outstanding balance, but is not a carry over from the previous month, nor a charge showing in my transactions. It is an amount included in my charges, but there is NO record for it. I spoke with the rep. on the phone, she tallied all of my charges and came up with the outstanding balance, but could not answer where the extra XXXX was coming from, since it does not show in my running balance or in my transactions. There is something wrong here. I have informed them I will not use my card again until this discrepancy is resolved, and she offered to transfer me to her superior. After a long time I was told I would have to wait since that superior was unavailable. I hung up. My account shows all transactions, and this {$24.00} is no where to be found. It is not a pending transactions nor in posted transactions. It is an amount that does not exist in my charges. I am being charged for an amount that Wells Fargo can not account for. Please investigate. I asked the bank to do so, and was stonewalled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93105
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A