Date Received: 2023-05-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a personal and business account with Wells Fargo. I make car payments via check to XXXX XXXX XXXX XXXX XXXX. For 4 1/2 years I have been mailing my car payments to XXXX on time and never had any issues. Until XX/XX/2023. I mailed check XXXX in the amount of {$600.00} on XX/XX/2023 to XXXX XXXX XXXX XXXX XXXX and the funds were debited from XXXX account on XX/XX/2023. On XX/XX/2023 XXXX emailed me a statement stating that I was being charged a late payment and was still due my car payment. I called XXXX on XX/XX/XXXX to let them know I had mailed the payment in form of a check and that the check showed debited from my account and to please update their records. XXXX requested I forward a copy of front and back of the check. I requested the copies from Wells Fargo and received them via email. I then forwarded the copies to XXXX XXXX via email that same day. I never received a reply but I did receive a voicemail on XX/XX/XXXX from XXXX to please contact them at their customer service number. I did this the same day and was told that XXXX is unable to locate the check in their system and therefore I was still owed the payment. I requested to get this in writing but the employee said they are not able to do so. However they would be willing to waive the late payment fee if I send in my outstanding payment. I then contacted Wells Fargo to inform them that XXXX stated they did not debit the funds and to please investigate who cashed the check and where the funds were sent. I was told the fraud department would be taking on this case and I should get a notification and status update on my online banking message center and vial mail. On XX/XX/XXXX I received two letters from the Prevention Contact Center at Wells Fargo stating thatWells Fargo reviewed my accounts and as a result decided to close my accounts as of XX/XX/2023 and that they will not give any further explanation. I did not receive any communication whatsoever regarding the check XXXX and followed up with Wells Fargo on XX/XX/XXXX. I was told that my claim was closed. I asked what the outcome was and why I did not receive any communication and was told I needed to talk to a claims specialist and that a letter was sent to me on XX/XX/2023. I stated I had not received the letter nor any online communication and to please let me know what the outcome was. The representative named XXXX said she would have to transfer me to a claims specialist. She did exactly that and that woman stated that the claim was now handled by the internal investigation department and I would be updated on the matter. On XX/XX/XXXX I called the Prevention Contact Center number for Wells Fargo to investigate whether the closing of my accounts was related to the check incident and was told they could not answer that question. XXXX who I was speaking with was kind enough to hear my story and offered to assist me in finding out details on my check case. After 30 minutes of waiting time she told me she spoke with someone in the fraud department who told her the check was cashed and the funds were sent to a specific account number, I then asked if she could please name the bank that the account was at and she transferred me to the check fraud department where I spoke with a gentleman named XXXX in the XXXX. He then informed me that he was unable to access the any information related the account or routing number of the check. By my requested he transferred me to a " specialist '' who heard my case and transferred me to the small business advocate XXXX. XXXX understood my concerns and promised to help and she patched in another claims specialist. His name was XXXX, he stated that he was not able to give me any information relating to the check incident and advised I should schedule and appointment with the branch manager at my local branch. I then received a letter from Wells Fargo including an affidavit on XX/XX/XXXX - the letter states it was mailed XX/XX/2023. I was asked to have the payee ( XXXX XXXX XXXX XXXX XXXX ) sign and notarize this document stating they did not commit any fraudulent activity and did not cash the check. I had a total of 20 days to complete the affidavit from the day the letter was issued. I immediately called XXXX XXXX XXXX XXXX XXXX and was asked to please email the documents and the internal legal team was going to review them. I emailed the documents the same day. XXXX XXXX XXXX emailed me on XX/XX/XXXX to please call them regarding this request. I did and was told they are unable to complete the affidavit. I then asked to please send me a letter or email stating that they did not receive the funds and was told they would review the request but it would take a minimum of 15 days for a reply and that it was unlikely they would issue this letter. I went to see my branch manager XXXX on XX/XX/XXXX she then referred me to their business specialist in the bank and he sat down with me to review the documents and also try and help. Unfortunately, he stated he could only print the front and copy of the check and file an internal complaint about this. He advised me to go to the police but he also agreed that Wells Fargo is obligated and should be able to give me the account number and routing number as to where my funds were sent. He said the internal complaint department would contact me and help me but it is now 48 hours later and I have not received anything. As you can see I have spent a lot of time, effort and energy in resolving the matter but neither Wells Fargo nor XXXX XXXX XXXX XXXX XXXX have been of any assistance and I am at a standstill. Please help. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Disputed an account I have no knowledge of on XXXX because I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. WELLS FARGO AUTO XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Address identification number XXXX ACCOUNT : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am the deeded owner of the property and I have repeatedly tried to work with the bank on this property that was deeded to me by my Aunt XXXXXXXX XXXX 2021. Wells Fargo refuses to return calls or respond to letters sent regarding the property. Instead they have chosen to proceed with foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
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: Deposits and withdrawals
Consumer Complaint: You will see that I have sent a previous complaint, but this is an extension of an ongoing issue I am having with Wells Fargo. On XX/XX/2023 I was subject to fraud when I received a text message that was very similar to a previous fraud alert text from Wells Fargo, stating someone was trying to send money via XXXX from my account and asking if it was me. I called the phone number provided and the scammer repeated statements exactly the way a Wells Fargo customer service rep would have ( I know because it happened to me a few weeks earlier with my debit card being compromised ). The scammer was then able to obtain my information well enough to not only process this XXXX transaction but then also performed 3 wire transfers from my account totaling {$25000.00}. After my last claim with you was placed regarding the {$3500.00}, somehow Wells Fargo suddenly revoked their previous denial of my claim, " did another investigation '', and refunded me the {$3500.00}. Unfortunately I am still missing {$15000.00} from two remaining wire transfers completed that were NOT performed with my authorization and Wells Fargo is refusing to refund or help me in any way. A couple weeks ago a small business Wells Fargo agent at a nearby branch asked me to come in to sign a form, stating they found some of my money at another bank and said if I signed the form they would release the money to Wells Fargo who would then release it to me. I went in and signed the form, the agent said I should receive between {$4000.00} and {$6000.00} back in my account within 2 weeks. This never happened. Ironically, the week after signing this form I got another call from the same agent at the nearby branch then stating that the information on the previous form was incorrect and I needed to sign a new one because some of my money was " actually at a different bank ''. I went in and signed said form. It's been two weeks and yet nothing has happened. I presented to the same branch today to ask what the update was regarding the above and looking for answers, and they suddenly claimed they don't have any records of the above nor recent emails. They told me there is nothing in their control that they can do. Just leaving me hanging. So here I am again asking for your help. Wells Fargo already refunded 2 of the 4 transactions that all occurred withdrawing money from my accounts within the same day and within minutes of one another. If refunds were provided for 2 of the occurrences, why am I having to go through such a hassle to obtain the remaining 2? These transactions were never authorized by me. When I ask for investigative results from Wells Fargo as to what is guiding their decision making with my remaining claims, they will not provide such. I have been a customer of Wells Fargo for many years. I will again end my complaint with a statement made by the CFPB that suggests that if a consumer is fraudulently induced by a third party into sharing account access information that the consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device, unfortunately Wells Fargo does not see things this way. I want my money completely out of Wells Fargo and do not trust them, yet here I am needing to keep an account open with them in the chance they eventually decide to give me my money back. I am a small business owner with a young family and this situation has been completely devastating for us. Thank you for your time and consideration to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80126
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 XX/XX/ my ( XXXX ) WELLS FARGO debt card was stolen from my wallet and used at a various stores I lost XXXX and a lot of fraudulent unauthorized charges are on my statement, I filed claims ( # XXXX ) and ( # XXXX ) I was told by Wells Fargo the money would be returned to my account in 10 days. Wells Fargo refuse to help me get my funds back. They sent me a They sent me a new debit card. Thats the only action that was took. Wells Fargo close and denied my claim XXXX XXXX. Im writing to you again because I am crying for help. please! Help me! XXXX is a large amount of money to me! I make {$10.00} an hour and I can't afford to lose this much! Please refund the money that was stolen from my account. You can contact me at XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
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: Banking errors
Consumer Complaint: I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16001
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: hi, I called the bank to request a new pin for my debit card ending in XXXX but on customer service they coulnd due error on the system trying to send me a passcode to my phone, in the past I never had that issue because they tried to send me a PUSH notification to my phone or a passcode to my email. Im not US citizen and resident, I live in XXXX and I dont have any travel plans to the USA to fix this. I also requested a XXXX to avoid this issues in the future. Please proceed with a new pin to my mailing address on profile and also the secureid requested trough the online baking without delays and bureacracy. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good evening! I recently received a letter dated XXXX XXXX stating Wells Fargo Auto had furnished a CHARGE OFF to XXXX, XXXX, XXXX. I have already filed multiple disputes to remove the account starting and ending with XXXX. All three credit agencies failed to provide me with proper DEBT VALIDATION, and they all continue to reflect on my CONSUMER REPORT as a CHARGE OFF and I never received a IRS TAX FORM 1099c.With that in mind, I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for my home. I do currently have the vehicle I purchased in the consumer credit transaction dated on XXXX XXXX. I have a letter from Wells Fargo stating that there is no lien/title for my vehicle, there is no remaining balance reflecting on my Wells Fargo account but, Wells Fargo did furnished " Charged Off '' and is now being adversely reported on my credit report as a Charged Off account. We are both aware that Wells Fargo Auto as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered in the sale of the vehicles after repossession. From our limited knowledge and tax obligations for the year of XXXX, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS Topic 453.This current issue of Wells Fargo Auto furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication 4681 defines as " Income '' and not " Debt '' is being furnished to third party data furnishers as well. Perhaps this is a small oversight that Wells Fargo Auto is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, XXXX, to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that I could continue to prosper just like you. With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. Thank you and I will be looking forward to a honorable response. Please advise at your earliest convenience as to how we can rectify this current situation peacefully. I'm up late hours of the night sending this email and I am really emotionally bothered about this reflecting on my credit as a derogatory report which is defamation of character and it's starting to affect me mentally at work. Surely hope you honor my request as it is the most righteous thing to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
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: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: See complaint XXXX. As stated in the complaint, check was allegedly sent. But I've see this claim before and that's the reason for the multiple complaints. Don't understand why this would get closed with out verifiable information that the company has followed through. Is the cfpb paid off by these big financial institutions to not actually investigate these wrong doings? Why have the cfpb if they are going to do anything and hold these institutions accountable. Complaint is opened so we can confirm the business does what they say. They didn't before. Actions speak louder than claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
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: Funds not handled or disbursed as instructed
Consumer Complaint: I have an business checking account under XXXX XXXX XXXX, one of an issued check ( around {$2000.00} ) has been stolen and person who stole the check have it deposit at wells fargo branck which payee information is not match, I file forgery affidavit claim with police report thru XXXX XXXX XXXX towards well fargo, wells fargo fist said resolution time frame is form 90 to 180 days, XXXX XXXX has follow up with wells fargo every month and it show pending, it has been 180 days now, well fargo still didnt have any update regarding my claim. I dont know what can a customer do now. thank you for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91780
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A