Consumer complaint received 2022-09-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
ATTENTION CONSUMER FINANCIAL PROTECTION BUREAU. THIS IS NOT A NEW COMPLAINT. THIS IS AN AMENDED COMPLAINT TO THE COMPLAINT NUMBER XXXX. ADDITIONAL INFORMATION IS BEING FORWARDED TO THIS DECEPTIVE PRACTICES. WELLS FARGO CLOSED MY CARD ENDING IN XXXX ON THEIR RULES OF DISCREPANCY, THEN OPEN CARD ENDING IN XXXX. AS YOU CAN SEE FROM THE COPY OF THE CHECK THAT WAS GIVEN TO THE LOAN COMPANY WAS PAID OFF ON XXXX XXXX, WAS CLEARED ON XXXX XXXX. DUE TO THIS FINANCE COMPANY IS WELLS FARGO CUSTOMER ALSO, THEY REVERSE THE PAYMENT OFF THE ACCOUNT THAT WAS CLEARED AND PAID IN FULL. AS AN ACCOUNTING PROFESSION WHEN AN ACCOUNT IS PAID IN FULL, THE ACCOUNT GOES INTO NON - ACTIVE IN WHICH NO ACTIONS CAN BE DONE TO THAT ACCOUNT ANYMORE. EVEN THE CUSTOMER WOULD BE GIVEN A NEW ACCOUNT NUMBER IF THERE WAS ANOTHER LOAN. WHY THESE TWO ENTITIES ALONG WITH XXXX GAVE THE PAYOFF BACK DIRECTLY TO WELLS FARGO WITHOUT MY AUTHORIZATION IS ILLEGAL. THESE ENTITIES WERE 2ND PARTIES, NOT FIRST PARTIES. THAT WOULD BE ME. WHAT EVER WAS DONE WITH THE CHECKS THAT WELLS FARGO SENT TO ME HAD MY CREDIT CARD NUMBER ON THEM. THIS WAS NOT FRAUD. I ASSUME THE CHECKS WAS FOR ME TO DO WHATEVER I WANTED TO DO BECAUSE THE INTEREST WAS ONLY 2.99 %. MY CREDIT CARD INTEREST IS VERY HIGH AND THIS IS THE ONLY REASON I ASSUME THE CHECKS WAS A DIFFERENT OFFER. NOW WELLS FARGO HAS ISSUED FALSE WRITING ON THE CHECKS TO THE MERCHANTS STATING THAT THE ACCOUNT WAS CLOSED. THE CARD WAS SHUT DOWN BY BY WELLS FARGO, NOT MY ACCOUNT. I HAVE ENDURED A SERIOUS FINANCIAL BURDEN BECAUSE OFWELLS FARGO DECEPTION IN TAKING MY EXTRA MONEY AND MAKING IT A CASH ADVANCE FOR NO REASON ACCEPT FRAUD IN THE SAME WAY THAT MY ACCOUNT WAS COMPROMISED BY HACKERS WITH READERS WHO CAN GET CLOSE ENOUGH TO SCAN YOUR CARD TO DUPLICATE SALES FROM MY CARD AS THOUGH I DID IT. THE WELLS FARGO LOSS PREVENTION KNEW THIS SCAM WAS HAPPENING TO CUSTOMERS AND THEY DENIED ALL THE CLAIMS. I WANT MY MONEY BACK IN WHICH CAME OUT TO OVER {$9000.00}. THEY HAVE ONLY REFUNDED ABOUT {$1200.00} WHICH IS A TRAVESTY. WELLS FARGO HAS CAUSED SO MUCH PAIN AND CONFUSION IN MY LIFE INCLUDING EMOTIONAL, MENTALLY, PHYSICALLY AND FINANCIAL STRESS. NONE OF THESE ISSUES SHOULD HAVE EVER WENT THIS LONG FOR NO CUSTOMER, THIS WAS STATED BY THE BANKERS OF INSURANCE. THIS STATEMENT WAS NOT MADE LIGHTLY. THEY HAVE ALL THE PROOF ON WELLS FARGO AND XXXX  XXXX XXXX INEPT OF THESE TWO BANKS FRAUDS AND NO GOVERNMENT THAT HAVE JURISDICTION OVER THESE TWO BANKS DID NOT CORRECT THESE ISSUES A LONG TIME AGO. SUCH AS XXXX FOR XXXX  XXXX XXXX AND XXXX OF XXXX FOR WELLS FARGO INCLUDING GETTING THE ACTUAL JUDGE INVOLVED IN VERIFYING THE INFORMATION, SHE SHARED WITH THE CUSTOMER WHO HAD ALREADY GOT INTO A MEDIATION FRAUD. LISTENING TO THE RECORDING WHEN WELLS FARGO TOLD THE CUSTOMER THAT THE LIEN IN WHICH THEY TOOK HER SOCIAL SECURITY MONEY AND NEVER REFUNDED THAT EXPENSE NOR GAVE HER BACK HER {$1000.00} THAT WAS TAKEN WITHOUT HER AUTHORIZATION NOR INFORMING HER ABOUT THE SITUATION UNTIL SHE GO TO GET HER OWN MONEY. THIS IS LOOKING LIKE A PATTERN ON WELLS FARGO PART. THE WELLS FARGO REPRESENTATIVE SPECIFICIALLY TOLD THIS CUSTOMER THAT THE LIEN HAS NOTHING TO DO WITH THIS MEDIATION AT ALL. IF THAT WAS TRUE, WHY DID THEIR JUDGE ADD A LIE INTO THE AGREEMENT THAT WAS SUPPOSED TO BE A {$1000.00} CHECK SETTLEMENT. I WAS TOLD BY THE JUDGE THAT OUT OF THAT SETTLEMENT, I WAS GOING TO HAVE TO PAY TAX ON IT. WELL FARGO DID NOT GIVE ME THAT AMOUNT, IT WAS {$300.00} LESS. TO TOP THIS DECEPTION OFF, WELLS FARGO HAD THEIR JUDGE TO PUT THE LIEN AND NEW JERSEY TRIP RIGHT INTO THEIR DECEPTIVE MEDIATION. THE CRIMES AGAINST CUSTOMERS DOES NOT SEEM TO PHASE THIS ENTITY AND XXXX  XXXX XXXX AT ALL. WE ARE ALL HUMAN. THINGS GO WRONG SOMETIME. MAKING IT RIGHT BECAUSE THAT IS WHAT TO ERR MEANS, WHEN YOU DO EVERYTHING TO KEEP IT WRONG. THIS IS WHAT YOU CALL CHEATING AND CORRUPTION. BANKS HAS TO BE HELD TO HIGHER STANDARDS. THEY HAVE PEOPLE LIVELIHOOD IN THEIR HANDS. PERIOD. THEY HAVE DESTROYED MINE. THIS THEY BOTH NEED TO BE HELD ACCOUNTABLE. AS THE BANKER INSURANCE STATES, IT IS NOT MY FAULT THAT NO ONE DID THEIR JOB, ALTHOUGH I DID MINE BY SENDING COMPLAINTS TO YOU AND REQUESTING RESOLUTIONS FROM BOTH BANKS, WHICH DID NOTHING. I DO NOT WANT TO BE THESE BANKS VICTIMS OF STEALING MY MONEY. I HAVE A LIFETIME OF PAIN AND HEALTH ISSUES IS WHAT THE MONEY I RECEIVED. THIS IS THE MONEY XXXX  XXXX XXXX TOOK. IF THEY DO NOT KNOW WHAT WAS STOLEN THEN REIMBURSE THE ENTIRE DEPOSIT CONSIDERING IT HAS EARNED THAT MUCH FROM THE TIME IT WAS DONE WHICH WAS XX/XX/XXXX. WELLS FARGO AND XXXX  XXXX XXXX ALSO SHOULD PAY STATUTORY INTEREST FOR WHAT THEY DID. ALSO, ALL THE ENTITIES WHOM I CONTACTED FOR HELP ALSO DROPPED THE BALL AND NEVER PICKED IT UP. COMPENSATIONS IS ALSO DESERVED FROM ALL OF YOU, STARTING WITH THE FEDERAL RESERVE, FDIC, CONSUMER PROTECTION, BETTER BUSINESS BUREAU, OCC, AND OF COURSE CFPB. I AM NOT YELLING. MY CAP KEY IS STUCK. I KNOW FROM EXPERIENCE. ANGER DO NOT GET RESULTS. COMMUNICATION AND UNDERSTANDING DOES. I PRAY THIS TRAVESTY WILL BE FINALLY MADE RIGHT WITH NO MORE EXCUSES ABOUT TIME. ESPECIALLY BECAUSE THIS IS WHAT WAS CAUSED BY ALL OF YOU. NOT ME. TIME WAS ALL I GAVE IN CORRECTING THIS WRONG THAT WAS DONE TO ME BY BANKS AND THEIR EMPLOYEES. WITH THE HELP OF HACKERS WHO HAD READERS IN SCANNING MY CARD. AGAIN XXXX  XXXX XXXX AND WELLS FARGO, MY HEALTH WENT DOWN IN XXXX. GOING TO PLACES SEVERAL TIMES A DAY, WEEK AND EVEN TURNING AROUND IN A EXIT TO GO BACK. I CAN NOT. I DO NOT HAVE THE STIGMA IN MY BACK NOR MY MUSCLES. ALL THAT SHOPPING WAS A HACKER. NOT ME AND NO I HAVE NEVER GIVEN MY CARD NOR PIN TO ANYONE. NOT EVEN MY DAUGHTER. SHE HAS HER OWN AND SO DO I. THIS MESSAGE APPLIES TO WELLS FARGO ONLY. I HAVE ALWAYS BEEN TAUGHT BY MY PARENTS THAT PRAYER CHANGES THINGS. HOPE IT WORKS. AS YOU CAN SEE, WELLS FARGO HAS LIED ABOUT THE DEPOSIT. YOU CAN SEE THE AMOUNT OF THIS DEPOSIT. THERE WERE 2 MORE CHECKS THAT WAS WRITTEN FOR {$6000.00} TO ME THAT WAS DEPOSIT INTO XXXX XXXX XXXX TO PAY A CASH BAIL FOR MY SON AND THE OTHER CHECK WAS FOR {$990.00} TO XXXX AS PAY OFF WHICH WAS A TOTAL OF {$10000.00} AND YET ON THIS CHECK NUMBER XXXX WELLS FARGO IS STATING THERE WAS {$4900.00} AS THE ORIGINAL DEPOSIT AMOUNT. WHY DO WELLS FARGO INSIST ON LYING ABOUT TRANSACTIONS WHILE LYING TO THE CUSTOMERS. THESE TWO BANKS IS VERY TRIFLING. THERE SHOULD BE BETTER LAWS TO PROTECT CUSTOMERS FROM THE FRAUD AND NIGHTMARE I AM STILL GOING THROUGH WITH ONE BANK FOR 19 YEARS AND THE OTHER ONE FOR 5 YEARS DUE TO THEIR NEGLIENT OF PLACING ME ON PAPERLESS BANKING WITH MY AUTHORIZATION. I HAVE ALWAYS GOT MY STATEMENTS IN GEORGIA, NEVER AN ISSUE WITH CONFUSION. MY DAUGHTER HAD HER WIRELESS THE ENTIRE TIME AND YET THAT WS THE LIE THAT WAS TOLD TO COVER UP THEIR ERROR. THE THEY SEND ME A THANK YOU LETTER FOR ALLOWING THEM TO PROCESS MCOPIES FOR ME, ALTHOUGH THEY KNEW FULL WELL, THEY HAD NOT GENERATED NOT ONE STATEMENT TO ME. I HAVE BEEN SO DESPERATE TO GET THESE ISSUES RESOLVED, I CONTACTED CONGRESS XXXX XXXX  FOR HELP. SHE ADVISED ME TO ALLOW CONGRESSMAN XXXX TO ASSIST ME FIRST BECAUSE THEY HAVE A RULE TO NEVER GO OVER THE HEAD OF JURISDICTIONS THAT DO NOT BELONG TO THEM UNLESS THEY DO NOT ASSIST IN THE MATTER. CONGRESS XXXX XXXX IS THE PERSON IN CHARGE OF THE INVESTIGATION ON THE TWO BANKS, THIS IS WHY I REACHED OUT TO HER OFFICE. I AM SUBMITTING THE COPY OF MY FAX. I SEEM TO HAVE MISPLACED HER CORRESPONDENT BACK TO ME. I WILL FAX IT ON XX/XX/XXXX TO YOU. AS TO PROVE WHAT I AM STATING IS THE TRUTH.

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