Consumer complaint received 2022-02-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My complain is against my bank Wells Fargo. I authorize a free trial for HUD homes because I'm a realtor. 

I have a buyer who buys homes that's pre-foreclosed and he wanted listings of expired withdrawn taking off the market home so he can contact the owner to buy the property. 

So I sent him an address of one of the properties that he could check out. 

He contacted me that the information that I provided to him didn't exist. 

So I deducted that this huthomes.com is a scammer. 

So I contacted my bank and filed a complaint to have my money return to me and told the banker that I didn't want any future charges come out because they'll cancel my debit card and it issued me a new debit card. 

This morning Thursday XX/XX/2022, I checked my text messages and Wells Fargo had deducted {$49.00} for HUD XXXX and then they put a block on my card so I couldn't use it until I verified debits. 

I called my Wells Fargo banker and he tells me he's going to ask me clothes and questions about purchases and please answer yes or no. 

He asked me about a XXXX XXXX charger {$7.00} I said yes he asked me about her homes XXXX charge and I told him you just lied to me cuz you told me you going to ask me a close-in question but this is an open-end question and I'll tell you why? 

Because initially I did authorize this debit but when I find out the company was a scammer I filed a complaint you guys gave me a credit and you didn't you know you didn't put a block for future charges so that's your fault not mine. 

But I don't know how to answer your questions because in the past yes I authorized it but today I did not you guys authorized it against my wishes because you knew I blocked them a month ago and now you're taking the money out and asking me if I'm authorizing it and I can't answer that with a yes or no because if I do you're going to say my you know it's a fraudulent charge you going to cancel my debit card and send me another one and I'm in the process of notifying my debtors with this new card I got. 

I started with the local banker they explained to me it's a gray area because there's authorized and there's unauthorized migrate area where it was authorized and changed the later not authorized doesn't fit that category but what I should do is when I challenge one of those those charges they gave me a credit I should tell the banker and make sure for future references you don't take any money out when I get another cad.

It's not my job to do the bankers job they should offer me that information when I authorize something they give me a provisional credit they should ask me sir do you want to block all future payments and I will tell them yes if that happens then I wouldn't be having two conversation with my bankers today and contacting your agency.

Because the first banker told me sir when you when you file that complaint and we give you a provisional credit you could tell us to block all future payments.

She give me the manager and they tell me sir when it's when you stop a payment we have no procedures to put a block on future stop page.

So I asked the manager which one of y'all is lying the lady that told me that y'all could block future or you when you said you can't?

So my bank is talking out both sides of their mouth so I'll need to make a complaint so when I tell the bank that I authorized something and I don't want to authorize in the future that they have that in my account that that's going to automatically block future deductions from my account in case the card number changes.

I told a banker I don't care about other customers but for me that's what I want in my account and he told me he couldn't do that.

So I'm notifying you guys to file a former complaint against my bank and then to make them put that in my account so if I authorize something change my mind and don't authorize it they automatically change their procedures for me so they asked me do you want to block future charges and I'll tell them yes so I don't spend an hour and a half trying to undo something that my bank did against my authorization which they knew about before they did it.

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 non-monetary relief