Wells Fargo

I am filing a complaint regarding unauthorized transactions on my Wells Fargo debit card account and the banks refusal to properly investigate or reopen my fraud claim. I requested a replacement debit card with a new card number. While waiting for the physical card to arrive in the mail, I was able to access the card digitally through my phone wallet. However, the physical debit card was stolen from my mailbox before I ever received it. The individual who stole the card was somehow able to activate the physical card and use it to make unauthorized contactless ( tap ) purchases at a mall near my area. These transactions were not made by me, and I never had possession of the physical card. The unauthorized transactions posted to my account on XX/XX/year> included : {$210.00} {$25.00} {$100.00} There was also an attempted transaction that showed as {$0.00}, which triggered a fraud alert email from the bank, as well as another attempted purchase for {$370.00}.…

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On XX/XX/year>, Wells Fargo increased the minimum balance in business checking accounts from {$1000.00} to {$2000.00}. Previously, the balance was assessed as a monthly ledger balance prior to incurring a fee. Then you change now requires that you maintain a minimum daily balance of {$2000.00}. If the balance drops below {$2000.00} even for XXXX day only, they charge a {$15.00} fee. Previously, you were allowed to drop your balance below the minimum so long as the monthly average ledger balance was above the monthly minimum required balance. So in addition to increasing the minimum balance, now they are forcing us to keep a minimum daily balance of {$2000.00}. There is no leeway or Grace if the balance jobs below the {$2000.00} for XXXX day. Previously, it was an average for the month. Now you incurred the fee automatically if the balance drops below {$2000.00}.

Beginning in or around XX/XX/year>, I was charged monthly service fees on my checking account. The initial fee appeared to be {$10.00}, and later increased to {$15.00} per month. The total fees charged since that time are approximately {$85.00}. I was not clearly informed of why the fee amount changed or what account requirement triggered these charges. I did not receive clear and effective advance notice of any change in fees or account terms. The only notice appears to have been placed at the bottom of a monthly statement, which was not clear or conspicuous and was presented in a way that a reasonable consumer would not notice. I did not receive any separate communication such as an email, alert, or prominent notification explaining either the initial fee or the later increase. Because of this, I was not given a fair opportunity to understand the fees, adjust my account, or avoid the charges.…

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My bank account has been hacked by an unknown person out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I first received a text stating suspicious activity on my account on XX/XX/year>XXXX XXXX XXXX XXXX I flagged it as suspicious and my card was then restricted. I logged into my account and noticed multiple charges that were not mine so I immediately called Wells Fargo to flag them and get them marked as stolen. They proceeded to do so with the following charges. 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 XXXXXXXX were both cancelled immediately but unfortunately the other XXXX were not.…

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Over the past two years, I have been charged {$700.00} in overdraft fees for the account ending in XXXX and {$100.00} for the account ending in XXXX. Both accounts are currently overdrawn and I am continuing to accrue fees. My account would not be overdrawn if these fees were not assessed. I've always brought balances current as soon as I could. I called to see if I could have a fee reversed on XX/XX/year> and they honored the request for one fee. The gentleman also informed me that I was able to turn this service off online to avoid fees. I never knew that this was possible. When I went in to the online portal to turn them off, there is no option to do so ( see attached screenshots ). I sent a letter on XX/XX/XXXX asking to have these fees reversed to get me back on track but I haven't heard back.

On XX/XX/XXXX at XXXX. I received a call from Wells Fargo ( XXXX ) XXXX. XXXX ( caller ) introduced himself as an employee of Wells Fargo. First question XXXX asked was if I had tried to send money on XX/XX/XXXX via XXXX, and I replied no. Then he mentioned that a person in the name of XXXX XXXX is trying to XXXX a {$2000.00} and a {$3000.00} from my account to herself. He also mentioned that someone is in my bank account and is trying to log me out. He told me that there is a hold on my account, and if I hung up or disconnected the call the bank will assume that I authorized the XXXX, and that a total of {$5000.00} will be withdrawn from my account. He told me in order to stop this from happening, we have to XXXX money to a code he was going to give me. He said my funds will be safe and once I send the XXXX out, I have to log out, after which I should receive a text message from Wells Fargo and it will have a code.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference No. : XXXX Wells Fargo Bank Claim Assistance XXXX XXXX. XXXX XXXX XXXX, NC XXXX To : Federal Trade Commission and Wells Fargo Bank Claims Department XXXX XXXX Formal Appeal and Request to Reopen Disputed Transaction Claim No. XXXX Dear Sir or Madam : I, XXXX XXXX, hereby submit this formal appeal regarding Wells Fargo Banks denial of the disputed transaction claim referenced above. I respectfully request that Wells Fargo immediately reopen and reinvestigate this matter pursuant to the protections afforded under the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), Regulation Z, and all other applicable federal consumer protection statutes and regulations. On or about XX/XX/year>, the following transaction was charged to my account : XXXX {$130.00} The merchant represented that AI marketing software and related services would be delivered and functional as advertised.…

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I hold a conventional mortgage serviced by Wells Fargo Home Mortgage. My homeowners insurance policy lapsed on XX/XX/year>, after my insurer XXXX XXXX XXXX ) attempted to charge a credit card that I had been forced to cancel due to theft while traveling abroad. XXXX XXXX canceled the policy without providing any prior written notice by phone, email, or mail. I had no knowledge of the cancellation until I received a letter from Wells Fargo. Upon receiving the notice, I immediately contacted XXXX and obtained a replacement policy, effective XX/XX/year>. Wells Fargo 's own records confirm this replacement policy is current. Wells Fargo subsequently charged my mortgage account {$960.00} as a lender-placed insurance ( LPI ) fee for the lapse period of approximately XXXX months ( XX/XX/XXXX XX/XX/year>XXXX ). My annual homeowners insurance premium for this same property is {$540.00} per year ( $ XXXX ).…

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I am disputing a {$330.00} charge from 'XXXX XXXX XXXX ' ( Original Claim : # XXXX/ New Claim : # XXXX ). I paid for international shipping from the US to XXXX, but the service was NEVER fulfilled. XXXX returned the luggage to the sender within the US because it did not pass their internal security check. The items never left the country. I have contacted Wells Fargo multiple times. On XX/XX/XXXX, I opened a second claim and sent two follow-up emails with the XXXX tracking evidence showing 'Returned to Sender ', but the bank has completely ignored my emails and provided no response. Wells Fargo closed the case again in favor of the merchant, leaving my account with a negative balance. This is an abuse of power, as the merchant still has my money for a service they failed to provide. I am currently in XXXX and the bank 's refusal to acknowledge my digital evidence is making it impossible to resolve this

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I filed a disputed claim and it was denied. I requested a full investigated report and did not receive it. I was told I would receive it and if any discrepancies, I can file a new claim. I received a report of the statement 's history dated XX/XX/year> I did not receive the information from the merchant to determine the decision of the denial. I also requested to submit the evidence to support my claim and was it was refused. I was told that I had to work only with the merchant if I wanted to get my funds from them. NO INVESTIGATION WAS COMPLETED.

b'I opened my Wells Fargo Active XXXX XXXX XXXX Card on XX/XX/XXXX.\nI have an impeccable on time payment history and continued to pay off balances repeatedly. I have an outstanding credit score of XXXX. I utilized my WF credit card for daily purchases and automatic payments for the 2% cash back rewards over the last 2 1/2 years.\n\nOn XXXX XXXX XXXX XXXX, I went to use my WF credit card and it declined the purchase. I opened my WF Credit card app, and it stated ACCOUNT IS CLOSED. I immediately called WF card services and it was stated to me they sent a letter on XXXX XXXX XXXX with explanation. I received the letter and it DID NOT state the specific reason as to why WF closed my account. \n\nI called again to WF card services and stated I wanted the specific reason as to why my account was closed.…

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I have been a Wells Fargo customer for over 40 years. They keep trying to push me to paperless statements through very deceptive processes including when I log in to my online account, they present " paperless '' defaulted to be selected and try to trick me into submitting agreement to paperless. I have consistently, over and over and over and over and over de-selected the paperless check marks and they still month after month present me with this same trickery. Then on XX/XX/year>, they just proactively moved me to paperless without my permission via two emails. One for my checking account and one for my savings account. The email stated they were moving me to paperless ( digital only ) beginning with the XX/XX/year>XXXX statement date. This - despite consistently telling them " no ''. They don't " remember '' me wishing paper statements and keep over and over and over harassing me to go paperless.... then they didn't even ask they just pushed me to it.…

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I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

The following complaint is not a duplicate and it presents new information against Wells Fargo. I am filing this complaint against Wells Fargo regarding their ongoing failure to resolve a documented accounting discrepancy and their subsequent obstruction of the dispute resolution process. XXXX. Failure to Provide Access to Billing Records ( Regulation Z Violation ) Despite Wells Fargos stated policy that " Credit card statements are available online for up to 2 years, '' the bank has removed my account statements and transaction history for the year 2024 from my online portal. This occurred while I was actively engaged in a billing dispute. Under the Truth in Lending Act ( Regulation Z ), specifically 12 CFR 1026.5 ( b ) ( 2 ), creditors are required to provide periodic statements. By removing access to these digital records during a legal dispute, Wells Fargo is hindering my ability to verify accounting and is in violation of federal consumer protection standards. XXXX.…

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I called Wells Fargo Auto Loan division today to discuss a hardship arrangement. I was diagnosed with XXXX XXXX on XX/XX/XXXX and involuntarily terminated after disclosing the diagnosis to my employer. I was terminated on XX/XX/XXXX. I called Wells Fargo today to discuss payment arrangements, given likelihood of continued unemployment for 3 surgeries through the end of XXXX. I was told that I could defer payments for 2 months starting in XX/XX/XXXX. Basically, I could skip payments in XXXX and XXXX and would then resume payments in XX/XX/XXXX. This isn't sufficient.

This complaint concerns a custodial/minor account opened in my name while I was a minor that Wells Fargo states was controlled by a custodian. Wells Fargo confirmed in writing that I owned the funds in the account while the custodian controlled the account. The account contained substantial funds with deposits totaling approximately {$360000.00}. After reaching the age of majority on XX/XX/XXXX, I repeatedly sought assistance regarding the account and requested closure of the account, including appearing with a custodian. My requests were denied, and I was never informed of any required process, documentation, or steps necessary to complete the closure. At no time after I reached the age of majority did Wells Fargo proactively notify me of any alleged requirements necessary to obtain control of, close, or transition the account.…

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THIS COMPLAINT REPORTS A DISTINCT VIOLATION FROM CFPB COMPLAINT # XXXX AND IS NOT A DUPLICATE. CFPB Complaint # XXXX addressed XXXX XXXX false representation to the XXXX on XX/XX/year> regarding spoliation. This complaint addresses a different and ongoing violation : XXXX XXXX failure to conduct the reasonable investigation required by XXXX U.S.C. XXXX ( a ) ( B ), as evidenced by a specific documentary anomaly that propagated unchanged across at least XXXX complaint responses. XXXX. THE DOCUMENTARY EVIDENCE : A PROPAGATED TYPO Wells Fargos XX/XX/year> consolidated response to multiple CFPB complaints contains the following sentence in its substantive FCRA accuracy paragraph : Because the reporting is accurate, Wells Fargo is unable to delete or change the inofrmaiton to reflect a more favorable credit history. The word inofrmaiton is a misspelling of information. It is not a valid English word and is flagged by any standard spell-check tool.…

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I am filing this complaint as a follow-up to a previously closed complaint [ XXXX ] against Wells Fargo Bank. I am refiling because Wells Fargo 's official CFPB response contained a material factual error that invalidates their denial, and because my original filing was brief and unaccompanied by documentation. I am now providing the full picture with supporting attachments. I. WHAT HAPPENED THE FRAUD In XX/XX/XXXX, I was targeted by a sophisticated multi-layered employment fraud scheme. I was referred by a known contact to " XXXX XXXX, '' presented as a legitimate employer ( XXXX XXXX ) seeking an executive assistant immediately. I submitted my resume, completed a job application, and communicated via email and text throughout what appeared to be a standard professional hiring process. XXXX XXXX informed me he would be sending two cashier 's checks digitally to fund my home office setup, representing this as standard onboarding practice.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Contact with seller, XXXX XXXX, she turned boat over to XXXX XXXX XXXX to handle transaction and shipping. I signed escrow agreement and wired {$12000.00} to Wells Fargo. Then communication ceased. Phone numbers no longer in service, no return emails. XXXX XXXX XXXX website had been determined to be fraudulent and they plagiarized another companys logo and pictures ( the company you will get if you call number when click on phone icon on web page. Filed fraud recovery claim thru my bank to Wells Fargo with law enforcement report but no response.

I am filing a complaint regarding inaccurate credit reporting on my Wells Fargo Auto account. The account was last active in XX/XX/XXXX and has since been charged off. However, it continues to be reported as past due and updated monthly through XXXX, XXXX, and XXXX. This creates the false appearance of ongoing delinquency, even though there has been no recent activity or payments. Additionally, the account reporting dates and status updates are inconsistent with the actual timeline of the account closure and last payment. I have disputed this with the credit bureaus multiple times, and the account continues to be verified without proper correction. I am requesting that this account be corrected to accurately reflect its status or removed entirely if it can not be properly verified. This inaccurate reporting is negatively impacting my creditworthiness. Thank you.

On XX/XX/year> there were 39 withdrawals from my banking account with Wells Fargo for a total of {$3000.00} ( account was emptied ). All these withdrawals were made using my Bank Debit card information and money transfers through XXXX XXXX. I had used XXXX XXXX to transfer {$50.00} general monthly to a person in XXXX for about 20 years at no time was more than one transaction made in a day and at most two a month. I did not authorize these transactions on XX/XX/year> or give my debit card information to anyone for these withdrawals. I have tried repeatedly to get the Bank and XXXX to recognize this clear case of fraud and replace the stolen funds. Can you help in this manner.

I had a XXXX credit card and my account was transferred to Wells Fargo when XXXX and Wells Fargo split. Since then, I have not been able to add my non-Wells Fargo personal checking account to my account to make payment payments on my credit card. I have spoken to multiple representatives. One said that I needed to fill out a form and mail it back. I did that and then I received it again saying I did not fill it out correctly which I find hard to believe. Now I see that my XXXX XXXX account is listed as scheduled to deduct a minimum payment for my credit card on XX/XX/year> but when I try to pay off my balance, my XXXX XXXX account is not listed. I tried to add it and it says that my bank account is not authorized for transfers or payments. I called to ask why this is they said they dont know. All they know is that they couldnt verify my bank account. But they suggested I open another personal bank account, with WF, to be able to pay my credit card.…

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I purchased a couch through XXXXXXXX XXXX XXXX XXXXXXXX. Within less than XXXX months of normal use, the couch began sagging significantly and making loud squeaking noises. The product became defective very quickly despite normal use. I contacted the merchant and requested assistance and a refund, but they refused to help because their 30-day return policy had expired. I then opened a dispute with XXXX, but XXXX denied my claim. After that, I contacted Wells Fargo and filed a dispute regarding defective merchandise. However, Wells Fargo denied my claim and treated the transaction as authorized instead of properly addressing the defective merchandise issue. This is not a fraud claim. I did authorize the purchase, but the product was defective and not as described. I made multiple attempts to resolve this issue with the merchant, XXXX, and the bank, but I was unable to receive assistance or a fair resolution.…

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XXXX XX/XX/year> XXXX XXXX withdrew from wells .I am submitting a complaint regarding my banks handling of a dispute involving payments made to XXXX for a franchise/business opportunity. I disputed the transaction after discovering misrepresentations and failure to provide promised services/support connected to the purchase. I provided documentation to the bank showing that the services and business opportunities represented were not delivered as expected and that I suffered substantial losses. My bank denied my dispute solely on timing grounds without fully reviewing evidence of misrepresentation, ongoing harm, and later-discovered material facts.

I am filing a complaint regarding an unexpected monthly service fee charged to my checking account by Wells Fargo.My case number is XXXX and another different department case number is XXXX On XX/XX/XXXX, a monthly service fee of {$15.00} was deducted from my account. When I originally opened the account, I was informed that the monthly service fee would be waived if my account maintained a minimum balance of {$500.00}, which I have been following in good faith. However, I was recently charged this fee without receiving any clear or proactive notification via email, mail, or phone regarding any changes to the accounts fee waiver requirements. After noticing the charge, I contacted Wells Fargo representatives on XX/XX/XXXX and XX/XX/XXXX to dispute the fee and request a refund.…

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I discovered unauthorized transactions on my checking account and reported them to Wells Fargo as soon as I became aware of them. I filed fraud claims with the bank, which were assigned Claim # XXXX and Claim # XXXX. After reporting the transactions and requesting reimbursement, Wells Fargo completed an investigation and denied the claims. I did not authorize these transactions and believe the denial was incorrect. I requested additional information about how the bank determined that the transactions were authorized and asked that the claims be reinvestigated. As of now, the issue remains unresolved and the unauthorized transactions have not been reimbursed. I believe my account should be credited for these fraudulent transactions and that the bank should provide a clear explanation of the investigation and decision.

Wells Fargo Refusing to Release XXXX XXXX and Providing Contradictory Information I am filing this complaint because Wells Fargo closed my personal and business deposit accounts and is now refusing to properly release or deregister my XXXX token information ( phone number and email ), which is preventing me from fully using XXXX with another financial institution. In Wells Fargos CFPB response, the bank stated there are no flags or codes preventing me from applying for or opening another deposit account. However, this statement directly contradicts my actual experience. Despite these claims, I have still been unable to successfully open another account with Wells Fargo, and my XXXX information continues appearing tied to Wells Fargos system. Additionally, Wells Fargo representatives have repeatedly avoided directly addressing the actual issue being complained about.…

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I am filing this complaint against Wells Fargo Bank , N.A . regarding an erroneous billing charge of {$2100.00} that was posted to my Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, following the Bilt Card XXXX transition. Background : I was a XXXX XXXX cardholder ( account ending XXXX ) with a perfect, unbroken payment history I have never missed a single payment. When the XXXX XXXX XXXX ended , I proactively paid off my entire outstanding balance of {$2100.00} in full on XX/XX/year> ( XXXX Payment Reference # XXXX ), confirmed by my Wells Fargo statement. My balance was {$0.00} at the time of the XX/XX/year> card conversion. The Error : On XX/XX/year> XXXX days after the card conversion Wells Fargo posted an internal entry labeled ADJUSTMENT-PAYMENTS of {$2100.00} onto my new Autograph Visa account. This is the exact same amount I had already paid and cleared on XX/XX/year>.…

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I have been with Wells Fargo for almost five years, and its been a ride with them. One of the problems i have with them is when you are in the negative they give you a 24 hour grace period before they charge you overdraft fee of XXXX XXXX As I stated to them Im a server so I always deposit money before the 24 hour grace period and I get charged overdraft fees, Wells Fargo has a policy where they can only dispute a overdraft two times in a year which I think its insane. For example yesterday XX/XX/XXXX I was negative I paid it pacific time after work this morning I got charged 3 times of overdraft fees XXXX times 3 it might not sound like a lot but Im stressed out and I shouldnt be now again Im negative XXXX and this is every other day, Wells Fargo customer service dont even make sense. I closed my account earlier there was no apology but I received an email stating they could not close my account til the account is positive with the overdraft fees I got charged with.

I sent {$200.00} through XXXX to a person using her XXXX code. She didn't receive it it say on my end they have to enroll it but the payment was deducted to my account already and I ask them if they got it they said they did not just for the record they've been using that XXXX for a long time already and that's a business XXXX So I called my bank Wells fargo they denied my claim after 2 weeks of filing a claim. They said they didn't found an issue because the transfer is completed I again ask the receiver to call their bank and check again and again if they got it they really did not get the money and the bank told them they did not get it or no any amounts received from me. So now I wan na investigate it more because where is my money I need my money back

An unauthorized electronic fund transfer was made from my Wells Fargo account without my authorization. I did not initiate, approve, or benefit from this transaction. The transaction was routed through XXXX XXXX and processed by XXXX XXXX ; however, the funds were released directly from my Wells Fargo account without my consent. Wells Fargo denied my fraud claim, stating this was a merchant dispute with a thirdparty merchant and declined reimbursement. This classification is incorrect. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), the determining factor is whether the account holder authorized the transfernot whether a third party such as XXXX XXXX was involved. I did not authorize this transaction. Wells Fargo failed to provide evidence that I authorized the transfer and improperly shifted liability by treating fraud as a merchant dispute. XXXX XXXX usage does not eliminate consumer protections for unauthorized electronic fund transfers.…

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I have been a Wells Fargo customer for 8 years this is my first bank account in the XXXX, and I have maintained a clean history with no prior monthly service fees or issues. Starting in XX/XX/year>, Wells Fargo began charging me a $ XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The bank unilaterally increased the minimum balance ( previously {$500.00} ) and raised the fee to {$15.00} without providing clear, dedicated notice via mail or email. I only discovered the charges on my statements after they started. The account became dormant and inaccessible via online banking or ATM for a period, preventing me from monitoring the balance or taking action to avoid the fees. Wells Fargo previously issued a partial refund, but continued charging the monthly fee. The total disputed amount is now approximately {$60.00} ( including the latest {$15.00} fee ).…

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Unauthorized Transaction date is XX/XX/XXXX Amount : {$3000.00}. I noticed it on XX/XX/XXXX and I reported it to Wells Fargo on XX/XX/XXXX and Wells Fargo denied it on XX/XX/XXXX. This was unauthorized. I did not approve this transaction. My card information is compromised and was used on a third party app, called XXXX XXXX to transfer funds from my card. I reported the unauthorized transaction within 1 day. Under federal law, I should not be liable. Wells Fargo denied my claim without providing evidence I authorized the transaction.