Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear cfpb I am writing to report a case of retaliation from XXXX  regarding my previous complaint, and I am hoping that the relevant authorities can oversee and manage this matter. 
The retaliation includes : 1.Delaying the payment of my rent check, causing my rent to be paid five days late, resulting in my credit being severely damaged, and being charged a late fee.

2.Repetitive payment of rent causing my credit card balance to exceed {$4000.00}. 

3.After discovering the problem, I contacted XXXX through various channels, including phone calls and chat windows, but no one responded or resolved the issue. Instead, they just kept passing the buck to different departments, with no one answering my call. 

According to our rental agreement, I am required to pay my rent before the XXXX of every month. However, I recently discovered that the rent check that I mailed on the XXXX of XXXX, as indicated by my app, was actually mailed on XX/XX/2023, according to USPS delivery tracking. The final delivery date was XX/XX/XXXX, and I received a penalty of {$140.00}. My check plan is to send it out on the XXXX of each month and receive it before the XXXX of the following month. Why did this serious problem occur at this time? 

Two checks were paid, which means that my landlord has received two months ' rent, and the payment has been deducted from my account. The problem is that I have contacted the bank several times, but Wells Fargo Bank has said they can not cancel this payment, and I must be transferred to the rental payment department. However, this is not feasible because after the transfer, it requires a call back or information contact. I have used both methods and waited for 24 hours, but I did not receive any call back or SMS reply. 

The next day, I tried to contact the bank again and was transferred to a place where there was no response at all. My account was debited {$2600.00} for two days, and my unsuccessful attempts to contact XXXX have been frustrating and unacceptable. Canceling an unnecessary payment should be a simple task, but it has wasted two days of my time without any resolution. I request that the relevant regulatory authorities require this company to improve its service quality and help me retrieve {$1300.00}. The other check can be cashed out by my landlord. I no longer have confidence in this company. If my landlord fails to cash out successfully, or if I have paid an additional fee and have not received a refund, the credit card company will be responsible. 

To summarize, I hope that this is not the case, but I strongly suspect that this is a retaliatory act from XXXX  against my previous complaint. It has severely affected my personal credibility, disrupted my personal life, and caused me serious mental harm. I hope that the relevant authorities will give this matter serious attention. 

Even XXXX agrees to compensate for the late fee, it is just cleaning up their own mess. It has nothing to do with my issue of why the check that was supposed to be issued on the XXXX was sent on XX/XX/XXXX. I suspect it was a retaliatory act. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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