Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I have multiple problems with Wells Fargo Accounts. As defined by CFPB : +Deposits and withdrawals +Problem making or receiving payments +Banking errors +Problem using a debit or ATM card +Funds not handled or disbursed as instructed +Fee problem I received letters without claim numbers. These letters only address an account #. I have XXXX accounts. I have filed complaints about the flaws in services for all accounts. Unfortunately, Wells Fargo ( WF ) representatives have comingled all the complaints, responding under XXXX account number, regardless of the account the complaint is pertaining. WF representatives are compressing each independent complaint issue into XXXX complaint, this provides a response that does not fully address the individual issues per account and resulted in no action, refusal to accommodate and refusal to investigate the particular issues of each complaint. 
XXXX report I made about the XXXX XXXX Branch office of Wells Fargo was dismissed & Wells Fargo representative correspondence stated there was no mishandling of the account. For me I had accounts opened later without authorization, transactions declined for suspicious activity, and my card was suspended multiple times for suspicious activity. All my Wells Fargo accounts were unreliable. My complaint was never acknowledged for the tampering with my account by the XXXX XXXX Branch employees. And as a result, my account was harmed, and I was often without access. This XXXX complaint ignored essentially never addressed had nothing to do with any other complaint filed. 
Every time I file a complaint WF representative outline what the response will be about, and state that the correspondence is resolution to my concerns. The recharacterization of my complaint into their outlined concerns rarely addresses my reasons for written complaint. Furthermore, as with the XXXX XXXX Branch issue I was not provided any resolve for my concern. Telling me there was no mishandling of my account does not address all the problems that ensue from that XXXX encounter, and what I witnessed. 

Subsequently, Wells Fargo replies asked and answered for what is characterized as 'similar ' complaints. I am left with no resolution, particularly for reoccurring problems and errors made on all accounts. Providing restatement of what the Wells Fargo representative can see on their screen is not resolution to any complaint. Resending the same correspondence previously written by another representative is not resolution to any complaint. There is NO resolution simply because Wells Fargo Representative stated this is resolution. 


-- I HAVE A LETTER DATED XX/XX/XXXX, FROM WELLS FARGO. 
Tracking Number XXXX Wells Fargo Case Number : XXXX This Letter States That Our records indicate that you contacted Wells Fargo on XX/XX/XXXX, and expressed concerns that may have been related to an account or services that you did not authorize or did not want.

As you read on ( review of all complaints filed ) you will find that I have similar complaints, made prior to XX/XX/XXXX. The financial harmed caused by unwanted services, such as XXXX early pay, ( Early Pay Day ), and

overdraft protection. I do not consent or want these services available on my account for any circumstance. Also, delayed processing and not processing claims that includes disputes of charges for the credit card and checking account. I am continually harmed by the reoccurring flaws with unauthorized services and delays in processing and posting to the accounts. 
XXXX XXXX states your concerns were previously appropriately address. That correspondence does not address my concerns. Previously appropriately addressed, has not halted or does not resolve the reoccurring flaws in the Wells Fargo banking system. I encounter fatal bank errors with its various flaws every month. I have stated I did not agree to the changes in my accounts, such as XXXX XXXX early pay & other

changes to checking and savings accounts. I stated I do not consent to overdraft protection & do not want the override of overdrafts to place account into negative at the atm. I have noted many flaws in the banking system and requested resolve because I do not consent to these changes. In Addition, the errors in the system are transposed to the consumer. The consumer is forced to suffers the consequences of the continued delays in processing without recourse. I have promptly notified Wells Fargo I do not consent to the changes. I have requested the flaws in the Wells Fargo system be fixed. I DO NOT WANT THE REOCCURRING ERRORS.
 Such as, XXXX days early pay puts my account in negative status with a positive available balance. My direct deposit is now held in pending status XXXX to XXXX days past the deposit date. This is not all the problems. However, before XXXX XXXX  early pay a deposit that was scheduled for the XXXX of the month was available the morning of the XXXX. Now deposits are in pending status XXXX XXXX  early, XXXX and do not post until well after the deposit date XXXX postdate is XXXX, XXXX or XXXX. 
My response to not consenting to XXXX early pay was a letter from XXXX XXXX Executive Office Case Specialist . He states In your email to us, you stated that there is a computer error with the early pay day. You stated that you were receiving automated letter that is causing errors. The recharacterization of my complaint illuminates a failure of the Wells Fargo respondents to properly outline my concerns even demonstrating a failure of the Wells Fargo respondents to understand the issues of the complaint. Early Pay Day is not a service I want. I filed a mediation request that was denied.

Correspondence republishing Wells Fargo Policies and applicable laws does not address the specifics of my concerns and complaints filed in writing about all accounts. Furthermore, I have rejected Wells Fargo ( WF ) specific services. ... 

XXXX. There is error in documentation witnessed on the account. I have witnessed these errors. AND WF response are so untimely the damage to the account has manifested, often compounding the original issue, leaving the original complaint unaddressed and reoccurring. Therefore, if a WF response is sent, the WF response does not address the original reason for writing the complaint.

A major issue with WF representative delayed responses is nullifying the original concerns. As time passes the original problem has compounded and manifested. I have been harmed when a delayed deposit should not have been delayed and the response to the complaint comes weeks after the deposit has ultimately posted, even though illegally held up. ( in person and/or in writing complaints filed ) I have been harmed by a Wells Fargo Representative taking credit in responses for action or lack of action for concerns that had ultimately been addressed by someone else, weeks before the WF correspondence was written. Leaving WF responses to be documentation of someone elses actions taken. ( the original complaint is unrecognizable ). 

Whether in person, over the phone, or in writing the subject matter of complaints are more often than not untimely processed. Consequently, the WF employee documentation of the encounter often does not represent the consumer complaint. The failure to provide the consumer original complaint and/or attach with the WF response is evidence of the Wells Fargo inherent deceptive practices.

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