WELLS FARGO COMPANY

2019-10-11

Oxford, GA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: First, on XX/XX/XXXX, I contacted Wells Fargo using the toll free number provided in the billing sent via email to dispute the charges and to let them know that the old credit card I had ( XXXX XXXX was closed on my request with a XXXX balance. Secondly, I told the associate that I have not applied for nor have I received the credit card ; and, third and most importantly, I was not in the country when the card was sent and the charges were made. The associate from the Wells Fargo dispute center told me that someone from their office will contact me within seven days to let me know of the status of my dispute. Instead, the company sent me a letter stating that I have violated the card agreement and that I am responsible for the {$XXXX} charges, late fees and penalties. The outrageous claim that I violated the card agreement is that there were none to begin with since I have never applied for or received the card. The charges were made in early XXXX when I was actually working at the XXXX XXXX to the XXXX XXXX in XXXX XXXX, XXXX. I left for XXXX on XX/XX/XXXX and did not return to XXXX until XX/XX/XXXX. The charges were made at bars and cigar shops, places I never been in my life. Wells Fargo 's poor business practice has led to my credit scores plummeting from the high 700 to the mid 500s.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-10

Erial, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My tenant deposited the check on XX/XX/19. Initially, there was a problem with the check. So Wells Fargo, decided to put a 15 day hold on the check. My tenant then got proof of funds from XXXX XXXX showing that the funds are in fact available and have been available since XX/XX/19. My tenant, the depositor then faxed a letter to Wells Fargo showing proof of funds. Wells Fargo has continued to drag their feet in expediting these funds so they deposited into my account. The check is for {$870.00} and it's deposited into my account every month for the entire year - same amount, same accounts. I have a family and children. My children depend on this money to eat and basic living. We're literally waiting on this check to clear so we can continue to eat and live normally until the next payday as I'm back to work next week. The attitude of Wells Fargo is " I don't care ''. I don't care about your family or when they eat. They are terrible in terms of understanding and expediting when necessary. My case number with Wells is XXXX. I spoke with XXXX XXXX and she told me it takes 24-48 hours to speak with her manager XXXX XXXX. I asked to speak with the CEO XXXX XXXX. There's no way to escalate to his office. Right now, my children need to eat and we as a family function normally. The money has been available since XX/XX/19 actually XX/XX/19 but it was a timing issue. It is now XX/XX/19 and I'm told I won't be paid until XX/XX/19. Unacceptable - especially to my children who need to eat. Please expedite and send to president/CEO XXXX XXXX. I'd like a phone call from him personally. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-10

Lakeview, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Old Westfield, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-10

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-10

City Industry, CA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Midland, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Paterson, NJ

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Rock Hill, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Anaheim, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I purchased a refrigerator for {$1400.00} using Wells Fargo Credit card, the refrigerator makes loud roaring sounds, I called the merchant but the merchant was of no use and did not solve the problem, so I filed the dispute with Wells Fargo and they gave 30 days to the merchant to respond, merchant did not respond in 30 days and Wells fargo made the credit permanent. Now after two months merchant contacted Wells Fargo and said that now they want to respond and Wells fargo opened the dispute again. This is not how it works, Wells fargo have a standard procedure and they should follow it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Greenwood, CA

Problem caused by your funds being low

Checking or savings account: Savings account

Non-sufficient funds and associated fees
Complaint: XX/XX/XXXX Dear Customer Financial Protection Bureau Representative, I am an XXXX XXXX old Woman, a 15 year Wells Fargo customer in XXXX, Nevada. I went to my primary bank the XXXX Wells Fargo Bank XXXX on XX/XX/XXXX to file a complaint. I reported a crime to the banker and manager on my savings account that was missing over {$45000.00}. The Bank confirmed the unauthorized ATM transactions over a 22 month period. The last unauthorized ATM withdrawal being XX/XX/XXXX of {$300.00}, 2 days prior to my complaint bank visit. I provided the bank with all my information and left hoping to hear the status of my claim in the coming days. The Bank did not issue me any case # with my complaint. After weeks of frustration with the XXXX banker not providing any status of my complaint, we filed multiple complaints with Wells Fargo to help retrieve my lost retirement funds and want to know how this happened and who did it. After 2 years of multiple emails and letters and grievance complaints, I received this letter ( attached ) on XX/XX/XXXX. Wells Fargo Operations Management Manager stated they reviewed the Savings account and no claims were ever reported on this account. Wells Fargo never investigated the crime or issued a case # for tracking or reporting. Today is XX/XX/XXXX, I reported this XX/XX/XXXX. I am still missing over {$53000.00} from my savings for almost 2 years. No explanation on the return of my funds or what happened? I have provided CFPB with a list of my corporate complaints and law enforcement information. No Claims? Wells Fargo filed false claims with no case number on file. 1. Wells Fargo open customer complaints case numbers. No resolutions or investigation information for 2 years. a. Customer care complaint # XXXX filed XX/XX/XXXX ( account hold with no notice and nonpayments to auto payment bills collectors 11-XXXX to XXXX XXXX. Refused explanation based on Security reasons? b. Customer correspondence grievance complaint # XXXX filed XXXX. No resolution for 2 years. 2. CFPD complaint log of complaints For Unauthorized ATM withdrawals from Savings account : XXXX Wells Fargo XX/XX/XXXX XXXX Wells Fargo XX/XX/XXXX XXXX Wells Fargo XX/XX/XXXX XXXX Wells Fargo XX/XX/XXXX 3. XXXX Police report # XXXX opened XX/XX/XXXX ( Closed and order copy XX/XX/XXXX ) Observations of XXXX police findings : Confirms over XXXX taken through Unauthorized ATM withdrawals of saving account Confirms over 180 unauthorized ATM transactions ( At XXXX local market and various XXXX Wells Fargo ATM branches ) from savings account. Only activity on account XXXX XXXX XXXX. Confirms that they were not able to obtain any Video or Photos of unauthorized transactions due to reporting delays to the XXXX Police. Crime reported by me and my son at XXXX W.F. XXXX XXXX to Banker on XX/XX/XXXX. Police report was opened XX/XX/XXXX ( Almost 5 months after complaint ). Well Fargo only keeps 30XXXX 90 days of footage on file. No footage of crime available. XXXX Police concluded with no resolution of these lost funds and unauthorized withdrawals, no charges, no arrests or no convictions. Case Closed. XXXX Police recommended that we go see Wells Fargo bank about the lost funds of over {$53000.00} of my retirement account? .
Company Response: Untimely response

Untimely Response

2019-10-10

Foothill Ranch, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Im sending this Copy of the check I gave to a Business call XXXX XXXX XXXX and other person REMOVED LABEL and put a name on it and Cash it, that easy Wells Fargo support a thief instead of a Wells Fargo Member or Customer that I being having Accounts with you for several Years. I requested over the phone to place a Claim about this XXXX and since Im XXXX and my English is not god, The Representative didnt get the point of my view when I tried to explained that someone REMOVE LABEL THAT I PLACE TO THE PAYEE AND THE THIEF PUT THEIR NAME OR COMPANY NAME INSTEAD., I being Ignored. I place a complaint about this misunderstanding from your Wells Fargo Agent and I even received letters from you asking me to wait 10 days to hear from you and even with that, I BEING IGNORED. My attorney advised me to ask you in the best way and I dont like to have to go legally and Close all my accounts with you. Thanks in advance, I will be waiting for your response only by e-mail or mail Since I cant thrust your word anymore after you lied to me and words didnt count at all. XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX CHECK # XXXX {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-10

Glen Burnie, MD

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Brewster, WA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Dallas, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking account at Wells Fargo as a new customer on XX/XX/2019. I used a valid bonus offer code while applied the new checking account online and received the new account welcome letter along with Bonus Offer Disclosure and Additional Requirements. I met all the requirements that Bonus Offer Disclosure and Additional Requirements stated on 9XX/XX/2019 but I haven't received {$400.00} bonus as new customer opening a new checking account. I contacted their customer support and they replied to me that " I reviewed your credit for the promotion wasn't issued because the requirements of the campaign weren't met. This offer is intended for new checking customers only. You must have a valid bonus offer code.You are not eligible for this offer if : You are a current owner of a Wells Fargo consumer checking account, you are a Wells Fargo team member or if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12months '' I asked them to check which requirements of the campaign weren't met : 1. I used a valid bonus offer code and received New account welcome letter along with bonus officer disclosure and requirements. 2.I haven't received any bonus for opening a Wells Fargo consumer checking account within the past 12 months 3.I opened this account on XX/XX/XXXX. I haven't any wells Fargo account opened at that time. XXXX. My employer sent my payroll of {$4000.00} using direct deposit to the checking account opened every month since XXXX. Since then, they never replied me back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Livingston, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Untimely response

Untimely Response

2019-10-10

Shalimar, FL

Unauthorized transactions or other transaction problem

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: My sister sent me funds from her checking account through XXXX and the transaction failed according to XXXX and the funds were sent back to my sisters bank account ( Wells Fargo ) however Wells Fargo never received the returned funds. Multiple calls have been made to XXXX and Wells Fargo and investigations go no where. I also filled an investigation with my bank confirming transaction was never received. These transactions, equaling {$400.00} have yet to be resolved and no monies have been received by myself nor my sister.
Company Response: Untimely response

Untimely Response

2019-10-10

NY

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Wells Fargo Bank is suing me for the credit card debt, which I tried to rectify with them multiple times. They enrolled me in a program to which I did not consent, shared my financial data with a third party that I did not authorize, started charging me cash advance fees when what I was trying to do was stop paying overdraft fees on my checking account to which I notified a banker to resolve and has not been. 1. I never signed up for the Credit Protection Plan and I was charged fees, including the interest returned for that program. They shared my information with some third party who I have never heard of or authorized to have access into my finances. XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXXXXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$35.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} Total YTD ( not counting previous years ) on Credit Defense : {$300.00} 2. There was an error with cash advances on my account which was not corrected : The cash advances were authorized without my knowledge and I have so far been charged with. Cash Advance Fees : XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$180.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX : {$11.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$170.00} Total Approx ( YTD, not including the charges from XXXX ) : {$1300.00} 3. Interest Charges on Purchases XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$5.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX : {$1.00} Total Approx ( YTD ) : {$19.00} 4. Late Fees XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$37.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} 5. Overdraft Protection Fees : XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$12.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX ( additional ) : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} Total Approx ( YTD ) : {$130.00} Several attempts were made by me unsuccessfully to work with the bank to rectify these errors- I called and E-mailed several times, met with the banker in XXXX, NJ. They never returned my calls and while the banker agreed to look into the issue, they never did. The last E-mail for which I have not received a response, was sent on XX/XX/XXXX. On XX/XX/XXXX, they delivered a summon for the lawsuit through a third party. I need this to be resolved, I believe that Bank acted unethically and even possibly criminally. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-10

AL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-10

San Diego, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Demand to close credit card account -XXXX and Notice of Arbitration To Whom it May Concern : On XX/XX/2019 I called Wells Fargo ( the Bank ) and requested that my business credit card account, consisting of the primary card -XXXX and XXXX card -XXXX, be closed. On XX/XX/2019, I happened to log in to my Wells Fargo online banking profile and discovered that the XXXX card -XXXX was still open. I reached out to the Bank several times in writing to confirm that this card was still open and to request that it be closed. Each request was denied. This is my fourth inquiry into this matter. Please close credit card account -XXXX as originally requested and issue a {$100.00} courtesy credit for my time spent rectifying the Banks error. Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Business Credit Card Customer Agreement. Sincerely, XXXX XXXX enc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Olympia Fields, IL

Trouble during payment process

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Las Vegas, NV

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I complaint is the following against Wells Fargo 's response to this federal agency and to me. One : In the response, Wells Fargo mentions that it waived the interest charge. This was only done because it told the supervisor on the XXXX that I believed the account to be closed. He then waived the charge and proceeded to close the account. Wells Fargo makes it look like it was a charity and good will on their part. The whole story needs to be explained. Two : The author of the report did not listen to the entire call. This is a very important disclosure that should have been mentioned and reported in the report. This above fact in all honesty negates the report and incomplete and in accurate. Three : The report states that they representative told me that their was a request on th XXXX for the closure. Again not the whole story. The fact is that I called Wells Fargo mad as XXXX that the account was still not closed several days later. I was assured by the supervisor that the account was to be closed later that day. I was mad because the two requests did not happen. This is not in the report. I brought up the fact that I made the request for this account to be closed not once but twice not the Wells Fargo employees. Four : The lady in the executive office told me several times that they account was not closed in fact it was still open. She then went on to ask me if I still wanted the account open. This statement would not be made if she was aware of any closure requests because that would be a red flag to do more research to make sure that account was in progress to be closed. She further went on to ask if I wanted a replacement card and a new pin number. I told her that I wanted to account to remain open, but I thought that since I made the account to be closed request that it could not be reopened per Wells Fargo 's own policy. She assured me that it was open and their was nothing there to stop me from getting a replacement card and that I should receive that replacement card later. These facts are not in the report any where. Five ; Why are these people making misleading statements to a federal agency still employed by Wells Fargo? Six : Why are their 10 different letters from Wells Fargo employees on this complaint that states 10 different opinions? Seven : Why is not one employee and one department working on this complaint? Eight : The confusion about this complaint is not mine but on the shoulders of Wells Fargo. Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-10-10

Fallbrook, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-10-10

San Marcos, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: This is same case ..from the previous compliant against Wells Fargo Auto Finance , the case nbr is XXXX. I got payment reports and letter from Wells Fargo ... same company, this is unresolved. There is no signature of the agreement to the 8 % interest rate since the banker offered me to refinance my truck for 6 % interest rate. I will have to check e mail from him. I will try to dig through my old e mail to find his e mail on the 6 % agreement. It is NOT 8 % I am to pay so technically, my truck is paid off and there is overpayments. I also will have to go to my storage in Texas soon to get the copies of the papers I signed. Wells Fargo shows you the forms with NO SIGNATURE of mine. So theirs is invalid. This will be UNRESOLVED until I get the proofs. Wells Fargo is known to rip off a lot of XXXX including deaf people. On FB when I mentioned of the Wells Fargo bank, a lot of people replied their hatred toward Wells Fargo. I am not surprised. It happened to me now ... tsk tsk
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response