Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This first part is meant for the person reading this at cfpb. Im not sure if I categorized this complaint currently, Theres a lot of different complaints I have against wells fargo as well, so im sorry if you need to fix something. Here is what happened. I noticed on wellsfargo.com that their monthly service fee on checking account would be waived for anyone in-between the ages of XXXX years old. I problem is I made my account in mid XXXX and have been paying a monthly fee almost every much up until now and I just turned XXXX years old in XXXX, meaning I paid at least $ 200+ in monthly fees for some unknown reason. I reached to wells fargo on their website to ask about that, The reply I received said she double checked an account ending in account numbers that wont mine, Yes, an account that wasnt mine. ( to help save my time and cfpbs time, ill skip some details. Wells fargo has it on file anyways. ) I called at least 15 and was hung up on, transferred around until someone was finally willing to answer my question. The wrong account number was just a typo. Assuming thats correct, It doesnt matter if it was deliberate or accidental because thats still a huge mistake that should not of happened. Giving me someone else account info, that also brings up some questions, Did someone else get my account information? Why did something like that even happen? Do I have a second account that im not aware of? Anyways, wells fargo updated their checking account terms of service and added the XXXX part right when I turned XXXX. So the $ 200+ I spent was just extremely poor timing. While I dont necessarily blame anyone for that, I cant forgive wells fargo either because what was I paying for? I realize wells fargo has to make money somehow but it should only be in ways thats needed and that $ 200+ apparently wasnt needed. It feels like it was stolen. Im sorry but it does feel that way. What was I paying for? I was also told that id be credited a {$50.00} satisfaction credit due the service ive received and due to the checking account mix up. After that I decided it would be best to double check my account myself the best I could and learned that my fifco score wasnt available on wellsfargo.com even though I had been receiving emails from wells fargo for over 3 months saying Your fifco score is now available on wells fargo.com. I called to ask about that and was told to pull my credit reports via XXXX and did pull them. While waiting for them to arrive via mail, this happened. There must have been a mix up on file due to all of the phone calls I had to make because someone from wells fargos corp called me and agreed it must have been a typo, but, he also said something he should not have you dont seem like the abusive type. Either he miss worded his sentence or someone escalated the situation up to corp because I sounded abusive. I wasnt abusive, I was simply asking a question about what wells fargo screwed up on. Even if I did somehow sound abusive, Ive made over a dozen calls just to get the run around and even get hung up on because I wanted to learn more about something that was wells fargo mistake to begin with and could have been i.d . theft or worse. Anyone in that situation would eventually get XXXX offed. Btw, Is calling a business customer abusive even legal? Wells fargo records every phone call. Your welcome to double check. When my first credit report arrived i noticed XXXX XXXX ( wells fargo ) pulled my credit score/report at least 3 times on days I didnt even use my debit card, more importantly, XXXX? Why is wells fargos education department have something on me when I only have a checking account with wells fargo? Especially right after I was told I had another account that I wasnt aware off. I called and was transferred around until I reached someone, he said he would investigate it and call me back. During this time I needed some money due to the holidays and to try to fix my car so I received a negative balance from wells fargo on XX/XX/XXXX and received a message that said I had to pay the balance back within 60 days. I then received another credit report that indicates i.d . theft, the report doesnt necessarily indicate wells fargos at fault on this report because im probably gon na have to take the credit bureau to court because they wont tell me any information about the possible i.d . theft. Im mentioning it because, Even if wells fargo isnt at fault for anything in this email ( which is unlikely ) I still might need to bring wells fargo into court because the possible i.d . theft still involves my wells fargo account, even if wells fargo isnt at fault. Anyways, I signed into my wells fargo account online to read a message that says Your checking or savings account is overdrawn. Please make a transfer today. If you have already made transfer arrangements, thank you. On XX/XX/XXXX. I tried to send a message into wells fargo online on the same day but I couldnt fit my message into one message so I split it into 3 messages and sent it but it apparently didnt go anywhere because, ive been receiving phone calls from wells fargo everyday since at least XX/XX/XXXX. The phone numbers are XXXX, XXXX, XXXX along with others. I mentioned in the messages that wells fargo owed me at least {$70.00} because of two overdraft fees that I should not have gotten. One of them had been on my account for more than a year. I received the {$70.00} back so I do have to thank the employee for that. I called back today to be told that wells fargo hasnt been calling me. It must have been fake phone calls, " scammers ''. If those really were wellsfargo then thats harassment and if its scammers then that doesnt go over well due to whats happened over the past 1.5 months and especially since wells fargo has been denying any fraud/screw ups on my account. Either way is bad news for wells fargo. Thats the story. First off, If that has been wells fargo harassing me, Please STOP IT!! If its about the negative balance, wells fargo will be sued if im not given the 60 days. Give me the 60 days or see me in court. Thats your choice! Also, Do I have another account? Or anything specious on my wells fargo account? Ive been told that I dont have another account even though I keep getting told that I do have another account. The checking or savings account message is still active on my online account. Please dont misunderstand me here, Im not saying im taking wells fargo to court, What im saying is if theres anything that is screwed up on wells fargos then please tell me because if wells fargo doesnt say anything like whats been happening and tries to hide it, Then youll be 100 % liable? Is there anything? Btw, this is the final time im gon na ask that question. Do I have another account or anything weird on file? If theres anything that wells fargo can help me with or is liable to help me with then please do that, wells fargo! This is a long enough email already so ill wrap it up. After I clear up what ever is going on with my account/credit reports im closing my wells fargo account. NO! Would you want to bank with a bank that does this? XXXX I want this account open temporally though. Im sending this into cfpb because i dont think i have another choice, most of wells fargos employees XXXX at their jobs while the others seem to be lying to me, Its also to be able to have it on cfpbs record and wells fargos record, that way wells fargo can just pull up one file instead of 20+ phone calls and 20 other files. Also, I dont know how to contact the credit investigation guy back, he never gave me his number, He just told me to call back. I feel like im forgetting something but, That should do.

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 monetary relief