{"took":128,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":197,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"20110238","_score":23.035067,"_source":{"product":"Checking or savings account","complaint_what_happened":"CFPB Complaint Draft Failure to Explain Fraud Investigation Process Subject : Wells Fargo failed to explain what their fraud investigation entails, what evidence is reviewed, or what the customer should expect. \n\nDetails : At no point during my fraud dispute did Wells Fargo explain what their fraud investigation process includes or what evidence they typically review. I was not informed of : what steps a fraud investigation involves what evidence Wells Fargo normally examines what information I was expected to provide what timelines apply what rights I had during the investigation what Wells Fargos obligations were Instead, I was left to figure out the entire process on my own. Representatives provided scripted statements, inconsistent information, and no meaningful guidance. I repeatedly asked what evidence would be reviewed, whether the ATM deposit would be examined, and whether the receiving account would be investigated. I was never given clear answers. \n\nThis lack of explanation directly contributed to Wells Fargos inaccurate determinations. For example, the bank never reviewed the ATM deposit I made on XX/XX/XXXX, never investigated the Wells Fargoopened account that received the stolen funds, and never fulfilled the judgesigned warrant issued to them. Had Wells Fargo explained their process, I would have known immediately that these steps were being skipped. \n\nImpact : The failure to explain the investigation process caused confusion, delays, and prevented me from understanding what information Wells Fargo needed. It also prevented me from identifying early on that key evidence was not being reviewed. This omission contributed to repeated inaccurate determinations and ongoing harm.","date_sent_to_company":"2026-03-09T22:50:48.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"20110238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-09T22:46:49.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["CFPB Complaint Draft Failure to Explain Fraud <em>Investigation</em> <em>Process</em> <em>Subject</em> : <em>Wells</em> <em>Fargo</em> failed to explain what their fraud <em>investigation</em> entails, what evidence is reviewed, or what the customer should expect. \n\nDetails : At no point during my fraud dispute did <em>Wells</em> <em>Fargo</em> explain what their fraud <em>investigation</em> <em>process</em> includes or what evidence they typically review."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[23.035067,"20110238"]},{"_index":"complaint-public-v1","_id":"20184105","_score":21.10485,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"On XX/XX/year>, I sent a payment to my Wells Fargo auto loan through XXXX XXXX online bill pay service. XXXX XXXX issued a check payment to Wells Fargo Auto. \n\nWells Fargo later claimed they never received the payment and marked my account as delinquent. However, XXXX XXXX conducted an investigation and confirmed that the check was cashed on XX/XX/year>. \n\nDespite the payment being cashed, Wells Fargo still claims they did not receive the payment and has placed my account into internal collections. I contacted Wells Fargo and informed them that the payment is currently under investigation, yet the account remains in collections status. \n\nI am requesting that Wells Fargo place a hold on all collection activity and mark the account as disputed while the payment trace investigation is ongoing. If the payment was cashed, it must have been misapplied or processed incorrectly. \n\nI am also requesting documentation showing who cashed the check and where the funds were applied. I should not be subjected to collections activity or credit reporting while the financial institutions investigate a payment that has already cleared. \n\nI am seeking the following resolution : Immediate suspension of collection activity Confirmation that no negative credit reporting will occur A full trace of the check showing who deposited or cashed it Proper application of the payment to my account once located","date_sent_to_company":"2026-03-11T22:46:34.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"070XX","tags":null,"has_narrative":true,"complaint_id":"20184105","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-11T22:32:06.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I sent a payment to my <em>Wells</em> <em>Fargo</em> auto loan through XXXX XXXX online bill pay service. XXXX XXXX issued a check payment to <em>Wells</em> <em>Fargo</em> Auto. \n\n<em>Wells</em> <em>Fargo</em> later claimed they never received the payment and marked my account as delinquent. However, XXXX XXXX conducted an <em>investigation</em> and confirmed that the check was cashed on XX/XX/year>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[21.10485,"20184105"]},{"_index":"complaint-public-v1","_id":"8185563","_score":20.763054,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"During the month of XX/XX/XXXX, I had several instances where the perpetrators attempted to charge my personal accounts and attempted a prior wire transfer. Wells Fargo was able to stop most of the charges as well as the attempted wire transfer for {$33000.00}. \n\nHowever, in XXXX, I received a message from Wells Fargo that someone was attempting to wire money from a different account. They said they would be calling with more information. They did call on XXXX however it was not Wells Fargo- it was the fraudster, male subject. He had my account numbers, personal identifying information and the caller ID was listed as \" Wells Fargo ATM. '' During this conversation, the fraudster told my husband to perform two separate wire transfers into a XXXX account since the account was compromised. \n\nThe following Monday I called Wells Fargo to follow up and the bank stated they never made a phone call and have no record of anyone from Wells Fargo contacting me. \n\nWells Fargo completed their investigation and sent letter this week stating they can not get our funds back. We are currently in the process of a second investigation looking at a possible internal employee who is the fraudster. \n\nXX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3300.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3500.00} Wells Fargo has been very difficult to deal with and is accepting no responsibility.","date_sent_to_company":"2024-01-20T03:17:19.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"94510","tags":null,"has_narrative":true,"complaint_id":"8185563","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-01-20T03:03:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> completed their <em>investigation</em> and sent letter this week stating they can not get our funds back. We are currently in the <em>process</em> of a second <em>investigation</em> looking at a possible internal employee who is the fraudster. \n\nXX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3300.00} XX/XX/XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX XXXX {$3500.00} <em>Wells</em> <em>Fargo</em> has been very difficult to deal with and is accepting no responsibility."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.763054,"8185563"]},{"_index":"complaint-public-v1","_id":"11297700","_score":20.378973,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against Wells Fargo Bank for Discrimination, Account Closure, and Funds Withholding Details of Complaint : In XX/XX/year>, I deposited {$33000.00} into my Wells Fargo checking account through ATM located in XXXX, New Jersey. Shortly after, the bank froze the funds and later announced its intent to close my account. \n\nI strongly believe that I was subjected to discrimination based on my race, national origin ( XXXX XXXX ), and limited English proficiency. Despite being a long-standing customer of Wells Fargo with multiple accounts ( checking, savings, and a joint safe deposit box with my spouse ), the bank took actions that caused significant harm to me and my financial situation. \n\nThe bank : 1. Blocked access to my deposited funds, withholding them for an extended period without clear explanation. \n2. Failed to provide me with even minimal access to my funds, leaving me without money to cover basic living expenses. \n3. Ignored my repeated inquiries and did not respond to my requests for assistance. \n4. Proceeded with the account closure process, which was scheduled for XX/XX/year>. \n\nAs a result of these actions, I experienced significant financial and emotional distress. I was unable to meet my financial obligations to creditors, make necessary payments, or plan for essential expenses. \n\nFurthermore, Wells Fargo has yet to return the funds to me in the form of the original check or any other means. This prolonged withholding of funds and poor communication has caused undue hardship, including emotional distress, as I had no access to my money during a critical period. \n\nI request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I also ask that Wells Fargo be held accountable for their discriminatory practices, unfair treatment, and financial harm caused by their actions. I am seeking : Immediate release of my funds, along with any interest accrued during the withholding period. \nA full investigation into Wells Fargos decision-making process and discriminatory behavior. \nCompensation for the emotional and financial damages caused by the banks actions. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-12-27T05:33:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"08807","tags":null,"has_narrative":true,"complaint_id":"11297700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-12-27T05:19:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I request that the Consumer Financial Protection Bureau <em>investigate</em> this matter thoroughly. I also ask that <em>Wells</em> <em>Fargo</em> be held accountable for their discriminatory practices, unfair treatment, and financial harm caused by their actions. I am seeking : Immediate release of my funds, along with any interest accrued during the withholding period. \nA full <em>investigation</em> into <em>Wells</em> <em>Fargos</em> decision-making <em>process</em> and discriminatory behavior."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.378973,"11297700"]},{"_index":"complaint-public-v1","_id":"10896208","_score":20.367022,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Complaint Regarding Wells Fargo 's Failure to Process Automatic Payment To Whom It May Concern, I am writing to formally complain about Wells Fargo 's failure to execute an automatic payment I had scheduled for the XXXX of this month. Despite setting up my account for automatic payments, the transaction was not completed as instructed. This failure to process the payment has caused significant inconvenience and financial concern. \n\nI am particularly concerned that this issue may indicate a systemic failure or deliberate misconduct, as such lapses could be used to generate unwarranted late fees or other charges. This practice, if intentional, is unacceptable and could be considered a method of financial exploitation. \n\nI have attached supporting documentation, including a screenshot showing my automatic payment setup, to substantiate my claim. I request an investigation into this matter and appropriate action to ensure Wells Fargo rectifies this issue promptly. Additionally, I ask that any fees or penalties incurred due to their failure be refunded immediately. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX","date_sent_to_company":"2024-11-22T21:46:57.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"78626","tags":null,"has_narrative":true,"complaint_id":"10896208","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-11-22T21:43:39.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overcharged for something you did purchase with the card"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Regarding <em>Wells</em> <em>Fargo</em> 's Failure to <em>Process</em> Automatic Payment To Whom It May Concern, I am writing to formally complain about <em>Wells</em> <em>Fargo</em> 's failure to execute an automatic payment I had scheduled for the XXXX of this month. Despite setting up my account for automatic payments, the transaction was not completed as instructed. This failure to <em>process</em> the payment has caused significant inconvenience and financial concern."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.367022,"10896208"]},{"_index":"complaint-public-v1","_id":"20141204","_score":20.332615,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX Complaint : Wells Fargo FraudInvestigation Procedures Subject : Structural Concerns Regarding Wells Fargos FraudInvestigation Process and Its Impact on Fair Consumer Outcomes Summary : This complaint is not about a single representative or a single denial. It concerns the overall structure of Wells Fargos fraudinvestigation process, which appears to contain systemic barriers that prevent consumers from receiving a fair, evidencebased review. The issues below reflect patterns observed across multiple departments and interactions.\n\n-- - 1. Lack of Evidence Preservation Across numerous complaints, Wells Fargo has been unable to produce : ATM deposit evidence ATM electronic journal logs ATM video documentation showing what was reviewed any record of a complete investigation If the banks process does not preserve the evidence required to evaluate a claim, the outcome is predetermined. A process that can not produce evidence can not produce a fair result.\n\n-- - 2. TemplateBased Denials Without Substantiation Responses from Wells Fargos Executive Office consistently rely on : generic template language unsupported conclusions no explanation of investigative steps no documentation provided no reconciliation with prior statements A denial without supporting evidence does not constitute a meaningful investigation.\n\n-- - 3. Contradictions Across Departments Different Wells Fargo departments have provided conflicting information regarding : whether an investigation occurred what evidence exists what steps were taken whether the case was closed prematurely how the determination was made A fair process requires internal consistency. The current structure produces the opposite.\n\n-- - 4. Failure to Honor WrittenOnly Communication Requests Despite multiple writtenonly requests, Wells Fargo continued to : call by phone leave voicemails attempt verbal communication This creates pressure, confusion, and a lack of documentation. A fair process requires respecting communication boundaries, especially when the consumer requests written communication for clarity and accountability.\n\n-- - 5. Premature Closures and Missing Investigation Steps Across multiple filings, Wells Fargo has : closed cases before completing an investigation failed to document required steps provided no timeline of actions taken offered no explanation of how conclusions were reached A process that closes cases before reviewing evidence is structurally incapable of producing accurate outcomes.\n\n-- - 6. Systemic Incentives That Favor Denial Based on the pattern across 34 complaints, the process appears structured in a way that : does not preserve evidence does not document investigative steps does not provide transparency does not allow consumers to meaningfully challenge decisions relies on templates rather than analysis produces contradictory explanations avoids written communication closes cases quickly without review These are systemic issues, not isolated errors.\n\n-- - 7. Inconsistent and Unsupported Reclassification of Fraud as ConsumerAuthorized Across multiple responses, Wells Fargo reclassified the incident from fraud ( as documented by law enforcement ) to consumerauthorized without providing : evidence supporting the reclassification documentation of investigative steps an explanation of how the determination was made reconciliation with the sheriffs classification any record showing a review of the law enforcement report If the banks process allows a fraud event to be reclassified as consumerauthorized without evidence, the process may not be capable of producing accurate or fair outcomes.\n\n-- - 8. Misclassification of Consumer Income and Financial Status In multiple responses, Wells Fargo representatives inaccurately described my income and financial status, including : stating I was XXXX  stating I received monthly XXXX XXXX attributing my XXXX XXXX benefit to me personally ignoring documented weekly income disregarding tax records and prior clarifications 9. Misclassification of Consumer Income and Financial Status In multiple responses, Wells Fargo representatives inaccurately described my income and financial status, including : stating I was XXXX  stating I received monthly XXXX XXXX attributing my XXXX XXXX XXXX  to me personally ignoring documented weekly income disregarding tax records and prior clarifications These misclassifications were used as part of the banks rationale for denying the claim.\n\nA process that relies on incorrect assumptions about a consumers income or financial status and does not verify or correct those assumptions raises concerns about fairness, accuracy, and potential bias in the investigation process.\n\nThis issue is not about a single error ; it reflects a structural problem in how consumer information is interpreted and applied.","date_sent_to_company":"2026-03-10T20:22:03.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"82009","tags":null,"has_narrative":true,"complaint_id":"20141204","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-10T20:17:20.000Z","state":"WY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["XXXX Complaint : <em>Wells</em> <em>Fargo</em> Fraud<em>Investigation</em> Procedures <em>Subject</em> : Structural Concerns Regarding <em>Wells</em> <em>Fargos</em> Fraud<em>Investigation</em> <em>Process</em> and Its Impact on Fair Consumer Outcomes Summary : This complaint is not about a single representative or a single denial. It concerns the overall structure of <em>Wells</em> <em>Fargos</em> fraudinvestigation <em>process</em>, which appears to contain systemic barriers that prevent consumers from receiving a fair, evidencebased review."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.332615,"20141204"]},{"_index":"complaint-public-v1","_id":"7837164","_score":20.22304,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Request for Evidence and Resolution of Unauthorized Transaction I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XX/XX/2023, involving my Wells Fargo account. \n\nOn the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. \n\nIn response to this incident, I promptly reported the fraudulent activity to your customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. \n\nI understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. They will not provide that evidence to me! \n\nAs a loyal and long-standing customer of Wells Fargo , I have entrusted the safety and security of my financial matters to then institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. \n\nI kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. \n\nAlthough they say they have concluded their research they have yet to prove to me that they, Wells Fargo, did not commit this fraud. Please require Wells Fargo to provide that evidence. \n\nThis has devastated my life! \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-11-11T21:55:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"85379","tags":null,"has_narrative":true,"complaint_id":"7837164","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-11-11T21:37:59.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I kindly request that <em>Wells</em> <em>Fargo</em> conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the <em>investigation</em>, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review <em>process</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.22304,"7837164"]},{"_index":"complaint-public-v1","_id":"10289733","_score":20.061134,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Wells Fargo Claims Assistance Team, Subject : Follow-Up on Claims and Investigation Documents Claims # XXXX, XXXX, XXXX Good afternoon,, Thank you for your response and for providing the details regarding my claims. I would like to clarify a few points : I have not yet received the mailed documents related to the {$540.00} transaction that were referenced in your previous correspondence dated XX/XX/year>. Additionally, I am still awaiting the investigation documentation for the claims of {$420.00} and {$650.00}, as my initial request was submitted on XX/XX/year>. I would greatly appreciate if Wells Fargo could provide these investigation documents promptly, as required under Regulation E. \n\nI have attached additional documents pertaining to the claims for your review. I kindly ask that Wells Fargo reexamine my case and process the chargeback accordingly. Please let me know if any further information is needed from my side. \n\nThank you for your attention to this matter and looking forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-10-01T05:18:48.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"91770","tags":null,"has_narrative":true,"complaint_id":"10289733","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-10-01T05:13:48.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Additionally, I am still awaiting the <em>investigation</em> documentation for the claims of {$420.00} and {$650.00}, as my initial request was submitted on XX/XX/year>. I would greatly appreciate if <em>Wells</em> <em>Fargo</em> could provide these <em>investigation</em> documents promptly, as required under Regulation E. \n\nI have attached additional documents pertaining to the claims for your review. I kindly ask that <em>Wells</em> <em>Fargo</em> reexamine my case and <em>process</em> the chargeback accordingly."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[20.061134,"10289733"]},{"_index":"complaint-public-v1","_id":"21041790","_score":19.946146,"_source":{"product":"Checking or savings account","complaint_what_happened":"This complaint involves discriminatory and retaliatory treatment at a Wells Fargo branch, as well as the companys failure to properly investigate and address my concerns. \n\nOn or about XX/XX/year>, I visited a Wells Fargo branch to conduct a transaction involving my account. During this interaction, I was subjected to treatment that I believe was discriminatory and retaliatory in nature. The conduct I experienced was not consistent with standard customer service practices and resulted in unequal treatment and harm. \n\nFollowing this incident, I made multiple attempts to resolve the matter directly with Wells Fargo. I submitted complaints, requested escalation, and specifically asked for a full investigation into the actions of the employees involved. \n\nIn particular, I requested : - Review of in-branch video footage from the date of the incident - A detailed explanation addressing each of my claims, including discrimination, retaliation, damages, and corrective measures - Documentation of the investigation process and findings Wells Fargo failed to provide a meaningful investigation. Instead, I received generic responses citing company policies, without addressing the actual events, employee conduct, or my specific allegations. \n\nDuring a recent phone call with a Wells Fargo escalation representative, I was informed that no review of video footage had been conducted. This confirms that no thorough investigation took place despite my repeated requests. \n\nAdditionally, Wells Fargo prematurely closed my case multiple times, stating that no new information was provided, while failing to address the core issues raised in my complaint. \n\nAs a result of this failure to investigate and respond appropriately, I have suffered ongoing harm, frustration, and lack of resolution. \n\nI am requesting that Wells Fargo : 1. Conduct a full and independent investigation into the incident, including review of all available evidence such as video footage 2. Provide a written response addressing each of my claims : discrimination, retaliation, damages, and corrective actions 3. Explain the basis for prior case closures without a complete investigation 4. Take appropriate corrective measures to ensure this conduct does not occur again To date, Wells Fargo has not provided a sufficient response or resolution.","date_sent_to_company":"2026-04-08T06:26:12.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"983XX","tags":"Servicemember","has_narrative":true,"complaint_id":"21041790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-04-08T06:12:49.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This complaint involves discriminatory and retaliatory treatment at a <em>Wells</em> <em>Fargo</em> branch, as <em>well</em> as the companys failure to properly <em>investigate</em> and address my concerns. \n\nOn or about XX/XX/year>, I visited a <em>Wells</em> <em>Fargo</em> branch to conduct a transaction involving my account. During this interaction, I was <em>subjected</em> to treatment that I believe was discriminatory and retaliatory in nature."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.946146,"21041790"]},{"_index":"complaint-public-v1","_id":"9859870","_score":19.802841,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Regarding Missing Refunds Wells Fargo XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both Wells Fargo Bank and XXXX. The issue concerns multiple refunds that were processed by XXXX but have not been credited to my closed Wells Fargo account. \n\nBackground : On XX/XX/XXXX, XXXX processed several refunds to my Wells Fargo account ending in XXXX, which had been closed since XX/XX/XXXX. I promptly informed XXXX about the closed account. Despite this, XXXX confirmed that the refunds were processed and provided me with the following reference numbers : - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX - XXXX for {$29.00} on XX/XX/XXXX I contacted Wells Fargo and provided them with these reference numbers to locate the refunds. However, Wells Fargo has repeatedly stated that they have not received any funds related to these transactions. \n\nDetails of the Transactions : - Total Amount Refunded : {$200.00} ( 7 transactions of {$29.00} each ) - Date of Refunds : XX/XX/XXXX - Wells Fargo Account Number ( now closed ) : Ending in XXXX - XXXX  Reference Numbers : Listed above Request for Assistance : I am requesting that the Consumer Financial Protection Bureau investigate this matter, as I have been unable to recover these funds despite following all recommended steps. I believe that Wells Fargo and XXXX are responsible for ensuring that the funds are properly accounted for and returned to me. \n\nIn the message from XXXX, they indicated that if Wells Fargo is still unable to locate the refunds, I should provide them with a document from Wells Fargo on their official letterhead confirming this. I have requested this from Wells Fargo but have not received a satisfactory response. \n\nIt's been one month trying to get my refund. I would appreciate your assistance in recovering these funds and resolving the issue. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2024-08-20T22:24:04.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"84057","tags":null,"has_narrative":true,"complaint_id":"9859870","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-20T22:15:50.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Regarding Missing Refunds <em>Wells</em> <em>Fargo</em> XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding a serious issue involving both <em>Wells</em> <em>Fargo</em> Bank and XXXX. The issue concerns multiple refunds that were <em>processed</em> by XXXX but have not been credited to my closed <em>Wells</em> <em>Fargo</em> account. \n\nBackground : On XX/XX/XXXX, XXXX <em>processed</em> several refunds to my <em>Wells</em> <em>Fargo</em> account ending in XXXX, which had been closed since XX/XX/XXXX."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.802841,"9859870"]},{"_index":"complaint-public-v1","_id":"4651485","_score":19.747654,"_source":{"product":"Mortgage","complaint_what_happened":"I applied for a small mortgage with Wells Fargo at the end of XX/XX/XXXX. I had 2 other mortgages with Wells Fargo stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting processing with Wells Fargo I feel I was subjected to unnecessary and unreasonable request to deter my purchase of the new home. \nI would like the Consumer Financial Protection Bureau to investigate XXXX XXXX actions into the underwriting process. I had several issues for example. \n1. I was requested to provide title documents for a house I purchased in XXXX to which Wells Fargo is the lienholder. How is this relevant to the current property purchase? They should have already had a copy since they held the lien on the house. \n2. I was requested to provide a copy of the property tax payments for two properties that were owned under my XXXX XXXX. The payments were provided, however Wells Fargo didnt not recognize the late payment fees and requested that I provide the exact billing invoices for the amounts paid. The invoices would not have been exact if late payments were applied to the payment. The state does not send out updated monthly payments due on real estate property taxes. \n3. Wells Fargo requested that I liquidate funds from my XXXX then asked for an explanation as to why I liquated the funds. \n4. At the time I applied for a mortgage I was on XXXX XXXX XXXX from my job. Wells Fargo requested that I provide a letter from my job stating when I would return to work. How would my company provide such a letter since they are not doctors. \nThese are just a few of the items Ive had to deal with while trying to obtain an approval from Wells Fargo. I felt like I was being discriminated against. If you review my Wells Fargo document requirements and all the letters of explanation and exceptions to obtain approval you may understand my point of view.","date_sent_to_company":"2021-08-22T05:38:16.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"19702","tags":null,"has_narrative":true,"complaint_id":"4651485","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2021-08-22T01:18:27.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I applied for a small mortgage with <em>Wells</em> <em>Fargo</em> at the end of XX/XX/XXXX. I had 2 other mortgages with <em>Wells</em> <em>Fargo</em> stemming back to XXXX and XXXX, so I didnt think there would be much concern with the new mortgage request for {$40000.00}. During the underwriting <em>processing</em> with <em>Wells</em> <em>Fargo</em> I feel I was <em>subjected</em> to unnecessary and unreasonable request to deter my purchase of the new home."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.747654,"4651485"]},{"_index":"complaint-public-v1","_id":"16419376","_score":19.70763,"_source":{"product":"Mortgage","complaint_what_happened":"I submit this formal complaint against Wells Fargo Bank , N.A . Mortgage Division ( Wells Fargo ) regarding its handling of my mortgage refinance application for my primary residence at XXXX XXXX XXXX, XXXX XXXX, WA XXXX. \n\n\n\nBackground In early XX/XX/year>, I initiated a rate-and-term refinance with Wells Fargo. The application process moved forward through XXXX with normal documentation and disclosures. \n\nOn XX/XX/year>, Wells Fargos retained appraiser, XXXX XXXX XXXX, issued an appraisal report that materially misrepresented my property by omitting a full bathroom on the upper floor. This is not a minor discrepancy : the omission affected the comparison grid and the indicated value of my home ( supporting materials available upon request ). \n\n\n\nGood-Faith Efforts to Correct the Error On XX/XX/year>, I followed Wells Fargos internal Reconsideration of Value ( ROV ) procedure, formally documenting the error and restating the original comparables with corrected valuations to reflect the missed bathroom, consistent with the appraisers own adjustment schedule. \n\nOver XXXX XXXX XXXX, I exchanged multiple emails with Wells Fargos Senior AVP Sales Support XXXX, XXXX XXXX, reiterating that I would not sign any loan relying on an appraisal that materially misrepresented my home and providing additional documentation and prior appraisal evidence. \n\nIn one of those emails I explicitly stated : I will not sign any loan application that relies upon or incorporates an appraisal that materially misrepresents the nature and value of my home. \n\nOn XX/XX/year>, Wells Fargo acknowledged the revised appraisal was unsupported and said it would escalate to a desk review at no cost to me ; however, Wells Fargo ultimately refused to correct the valuation and continued pressing me to proceed with the loan based on the flawed appraisal. \n\n\n\nIllusory Appeal Process Wells Fargos internal process gave the appearance of a fair and good-faith review but, in practice, provided only illusory assurances : At each stage Wells Fargo required additional forms, supporting documents, and iterations of my request, which I promptly provided.\n\nDespite the exacting evidence I submittedincluding prior appraisals, MLS listings, photographs, and a 360 virtual tourthe outcome did not change. \nWells Fargo continued to insist that I proceed with a refinance based on an appraisal that clearly undervalued my home, to its advantage and to my detriment. \nI was incredulous that Wells Fargo would so vigorously defend an obviously flawed appraisal and perpetuate this treatment on an existing customer ; this leads me to question how other consumersespecially non-customersare treated in similar processes. \n\nThis pattern left me with the reasonable but mistaken belief that Wells Fargo was treating my complaint in good faith when in fact the outcome was predetermined. \n\n\n\nWhy the Error Is Material The {$50000.00} figure for a full-bathroom difference comes from the original appraisers own stated adjustment schedulenot from any Wells Fargo methodology . Because the appraisal failed to include a full bath in the subject property, the comparison grid applied the wrong bathroom counts, introducing a downward bias of roughly {$50000.00} in the indicated value ( about 3 % on a $ XXXX valuation ). This artificially increased my loan-to-value ratio, exposed me to a higher interest rate, and undermined my ability to proceed on fair terms. \n\n\n\nHarm Suffered Financial harm : I paid Wells Fargo for an appraisal that was materially inaccurate anddespite my timely, documented ROV requestleft uncorrected. \nTime burden : I devoted substantial hours compiling evidence, submitting Wells Fargos forms, and corresponding to remedy this error. \nLost opportunity : I ultimately abandoned the refinance with Wells Fargo and proceeded with another lender. \n\n\n\nRemedy Sought I respectfully request that the Department investigate and take appropriate action. Specifically, I seek : 1. Full refund of the appraisal fee paid to Wells Fargo ; and 2. Reasonable compensation for my time spent attempting to correct the error, which I will substantiate upon request. \n\nThis complaint is directed at Wells Fargo the institution, not at any individual employee. While XXXX XXXX was my primary contact, the outcome reflects institutional handling and decision-making. \n\n\n\nConclusion I complied with Wells Fargos procedures, promptly supplied evidence, and flagged a clear, material defect. Wells Fargo maintained an inaccurate valuation and subjected me to a process that only gave the illusion of good-faith review while pressing me to sign on to a refinance based on an appraisal that benefited the bank and harmed me financially. This caused direct financial harm. \n\nI ask the Department to review this matter and hold Wells Fargo accountable for its practices. All referenced materials are available upon request. \n\nThank you for your attention. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-07T16:20:27.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"98036","tags":null,"has_narrative":true,"complaint_id":"16419376","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-07T16:09:49.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Negative impact of inaccurate appraisal"},"highlight":{"complaint_what_happened":["Conclusion I complied with <em>Wells</em> <em>Fargos</em> procedures, promptly supplied evidence, and flagged a clear, material defect. <em>Wells</em> <em>Fargo</em> maintained an inaccurate valuation and <em>subjected</em> me to a <em>process</em> that only gave the illusion of good-faith review while pressing me to sign on to a refinance based on an appraisal that benefited the bank and harmed me financially. This caused direct financial harm. \n\nI ask the Department to review this matter and hold <em>Wells</em> <em>Fargo</em> accountable for its practices."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.70763,"16419376"]},{"_index":"complaint-public-v1","_id":"16860372","_score":19.634008,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Wells Fargo Bank Mishandled Fraud Case, Lack of Due Diligence, and Failure to Protect Consumer Funds Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am submitting this formal complaint against Wells Fargo Bank , N.A . for the mishandling of a wire fraud case, failure to properly investigate, and denial of fair treatment in violation of consumer protection standards. \n\nIn XX/XX/year>, I was preparing to close on my home located at XXXX XXXX XXXX, XXXX, New Jersey. During this process, my legitimate communication with my loan officer was intercepted by scammers posing as representatives of the state title company managing my home closing. These individuals had access to my closing information, including the date and payment amount, and instructed me to wire my {$10000.00} down payment to what I believed was the title companys verified account. \n\nThe account name appeared as XXXX XXXX XXXX, a Wells Fargo account holder. I later discovered that this account was fraudulent. Immediately after learning of the scam, I reported the incident to Wells Fargo and submitted all required documentation. \n\nSince late XX/XX/year>, I have been in ongoing contact with Wells Fargo and have submitted over XXXX pages of supporting documentstwice. On both occasions, I was later informed by Wells Fargo that the documentation was not received, even though it was delivered directly to a branch and confirmed at the time of submission. \n\nWells Fargo ultimately denied my claim twice, claiming that I authorized the payment. While I did initiate the wire transfer, it was done under fraudulent pretenses, as I was misled by individuals impersonating my closing contacts. This is a clear case of real estate wire fraud, and Wells Fargo has acknowledged that the recipient account is not affiliated with the actual title company. \n\nDespite the seriousness of the matter, Wells Fargo has : Failed to properly investigate the fraudulent account that received my funds. \nProvided inconsistent and dismissive communication throughout the process. \nRefused to escalate my complaint or allow me to speak with a supervisor. \nMishandled my documentation and failed to maintain transparency. \nRepeatedly blamed me, the consumer, for authorizing a transaction that occurred through deception. \n\nThe result of these failures has been emotional distress, financial hardship, and a complete lack of accountability from Wells Fargo. As a single mother, this {$10000.00} represented a significant investment and the start of a new chapter in my life. Instead, I have been met with disregard and systemic neglect. \n\nAdditionally, I believe that bias and unfair treatment may have played a role in how my case was managed. I am an African-American woman, and my repeated attempts to seek fair treatment and resolution have been ignored or dismissed without genuine investigation. \n\nI am requesting that the CFPB : 1. Conduct a full review of Wells Fargos handling of my fraud claim and their internal processes for investigating consumer fraud reports. \nXXXX. Investigate the Wells Fargo account belonging to XXXX XXXX XXXX, which received the fraudulent wire. \nXXXX. Examine Wells Fargos repeated failure to receive, log, or acknowledge submitted consumer documentation. \nXXXX. Require Wells Fargo to provide reimbursement or relief for the {$10000.00} stolen under fraudulent circumstances and the emotional harm caused by their mishandling. \n\nI have done everything possible to resolve this issue directly with the bank, but my efforts have been ignored. I am asking for the CFPBs intervention to ensure accountability, fairness, and justice in this matter. \n\nI am prepared to provide all relevant documentation, including wire receipts, email communications, Wells Fargo correspondence, and branch confirmation of document submissions. \n\nThank you for your time, attention, and commitment to protecting consumers. I respectfully request acknowledgment of this complaint and will fully cooperate with your investigation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-10-28T23:32:59.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"071XX","tags":null,"has_narrative":true,"complaint_id":"16860372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-10-28T23:14:22.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am an African-American woman, and my repeated attempts to seek fair treatment and resolution have been ignored or dismissed without genuine <em>investigation</em>. \n\nI am requesting that the CFPB : 1. Conduct a full review of <em>Wells</em> <em>Fargos</em> handling of my fraud claim and their internal <em>processes</em> for <em>investigating</em> consumer fraud reports. \nXXXX. <em>Investigate</em> the <em>Wells</em> <em>Fargo</em> account belonging to XXXX XXXX XXXX, which received the fraudulent wire. \nXXXX."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.634008,"16860372"]},{"_index":"complaint-public-v1","_id":"17166436","_score":19.592073,"_source":{"product":"Mortgage","complaint_what_happened":"AMENDED COMPLAINT CFPB Consumer : XXXX XXXX Original Complaint ID : XXXX Date of Amendment : XX/XX/year>XXXX  Institution : Wells Fargo Bank , N.A . Mortgage Division Subject : Fraudulent nondisclosure of corrected appraisal ; deceptive handling of Reconsideration of Value ( ROV ) process Summary of New Information I am submitting this amended complaint to report material, newly discovered information that substantially changes the nature of my original complaint filed on XX/XX/year>XXXX  ( CFPB Complaint ID XXXX ). \n\nOn XX/XX/year>, I spoke directly with the appraiser, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), who performed the appraisal of my home at XXXX XXXX XXXX on behalf of Wells Fargo. \n\nDuring that call, XXXX XXXX informed me that : On XX/XX/year>, she submitted a corrected appraisal in the amount of {>= $1,000,000} to Wells Fargo, after receiving confirming information from Wells Fargo showing that she had missed a bathroom in her original inspection. \n\nShe stated that the omission was a simple mistake and that she corrected it promptly once Wells Fargo supplied the required documentation. \n\nThis information is directly contrary to Wells Fargos representations to me throughout the entire reconsideration process.\n\nBasis of Amended Complaint 1. Wells Fargo concealed the corrected appraisal from me.\n\nAt no time did any Wells Fargo representative disclose that : A corrected appraisal had been submitted The corrected value was materially higher The reconsideration process had actually succeeded on the appraisers end Instead, Wells Fargo : Continued to insist that the original valuation was final, Asserted that the revised appraisal information was unsupported, Told me no change to the value would be made, and Treated the loan as though the corrected appraisal never existed.\n\n2. The appraiser can not legally provide me with the corrected appraisal.\n\nUnder USPAP confidentiality rules, the appraisers client in this case is Wells Fargonot me.\n\nThus, I must rely on the appraisers direct verbal disclosure, which I believe to be credible and consistent with her professional obligations. \n\nWells Fargo, as the client, is the only party legally authorized to release the corrected appraisaland yet they claim it does not exist or intentionally withheld it. \n\n3. Wells Fargos conduct constitutes a deceptive and materially misleading omission.\n\nBy failing to disclose the corrected appraisal they received, Wells Fargo : Misrepresented the status of the ROV process Continued underwriting the loan based on an appraisal they knew was outdated and incorrect Pressured me to proceed with a refinance under false pretenses Caused the collapse of my refinance and financial harm This is conduct that satisfies the definition of deceptive practice under federal consumer protection standards. \n\n4. The timing demonstrates conscious concealment.\n\nThe corrected appraisal was submitted on XX/XX/year>. \nFrom that date forward, Wells Fargo : Continued to represent that the value would not be adjusted Denied the ROV Refused to acknowledge the corrected valuation Failed to inform me that the appraiser had resolved the matter in the exact way I had requested This was not an oversight it was a material omission of fact during an active loan process. \n\n\n\nRequested Action I respectfully request that the CFPB : 1. Investigate Wells Fargos concealment of the corrected appraisal submitted on XX/XX/year>. \n2. Determine whether Wells Fargos actions constitute deceptive or unfair practices under federal law.\n\n3. Require Wells Fargo to provide restitution, including the appraisal fee, compensation for time lost, and compensation for the financial consequences of being forced to abandon the refinance.\n\n4. Determine whether this behavior reflects a pattern or practice affecting other consumers.\n\nAll supporting documentation that I am legally able to obtain is available upon request. \nAs explained above, the corrected appraisal itself can not legally be released to me by the appraiser unless Wells Fargo authorizes it.\n\nConclusion The appraiser acted appropriately once the error was identified.\n\nWells Fargo did not. \n\nWells Fargo concealed the existence of a corrected appraisal, misrepresented the status of my ROV, and knowingly pressured me to proceed under false information. \n\nThis concealment caused measurable financial harm and undermines the integrity of the mortgage lending process. \n\nI respectfully request CFPB intervention. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXXXXXX XXXX ORIGINAL COMPLAINT ( XXXX ) : I submit this formal complaint against Wells Fargo Bank , N.A . Mortgage Division ( Wells Fargo ) regarding its handling of my mortgage refinance application for my primary residence at XXXX XXXX XXXX, XXXX XXXX, WA XXXX. Background In early XX/XX/year>, I initiated a rate-and-term refinance with Wells Fargo. The application process moved forward through XXXX with normal documentation and disclosures. On XX/XX/year>, Wells Fargos retained appraiser, XXXX XXXX XXXX, issued an appraisal report that materially misrepresented my property by omitting a full bathroom on the upper floor. This is not a minor discrepancy : the omission affected the comparison grid and the indicated value of my home ( supporting materials available upon request ). Good-Faith Efforts to Correct the Error On XX/XX/year>, I followed Wells Fargos internal Reconsideration of Value ( ROV ) procedure, formally documenting the error and restating the original comparables with corrected valuations to reflect the missed bathroom, consistent with the appraisers own adjustment schedule. Over XXXX XXXX XXXX  I exchanged multiple emails with Wells Fargos XXXX XXXX Sales Support XXXX, XXXX XXXX, reiterating that I would not sign any loan relying on an appraisal that materially misrepresented my home and providing additional documentation and prior appraisal evidence. In one of those emails I explicitly stated : I will not sign any loan application that relies upon or incorporates an appraisal that materially misrepresents the nature and value of my home. On XX/XX/year>, Wells Fargo acknowledged the revised appraisal was unsupported and said it would escalate to a desk review at no cost to me ; however, Wells Fargo ultimately refused to correct the valuation and continued pressing me to proceed with the loan based on the flawed appraisal. Illusory Appeal Process Wells Fargos internal process gave the appearance of a fair and good-faith review but, in practice, provided only illusory assurances : At each stage Wells Fargo required additional forms, supporting documents, and iterations of my request, which I promptly provided. Despite the exacting evidence I submittedincluding prior appraisals, MLS listings, photographs, and a 360 virtual tourthe outcome did not change. Wells Fargo continued to insist that I proceed with a refinance based on an appraisal that clearly undervalued my home, to its advantage and to my detriment. I was incredulous that Wells Fargo would so vigorously defend an obviously flawed appraisal and perpetuate this treatment on an existing customer ; this leads me to question how other consumersespecially non-customersare treated in similar processes. This pattern left me with the reasonable but mistaken belief that Wells Fargo was treating my complaint in good faith when in fact the outcome was predetermined. Why the Error Is Material The {$50000.00} figure for a full-bathroom difference comes from the original appraisers own stated adjustment schedulenot from any Wells Fargo methodology . Because the appraisal failed to include a full bath in the subject property, the comparison grid applied the wrong bathroom counts, introducing a downward bias of roughly {$50000.00} in the indicated value ( about 3 % on a $ XXXX valuation ). This artificially increased my loan-to-value ratio, exposed me to a higher interest rate, and undermined my ability to proceed on fair terms. Harm Suffered Financial harm : I paid Wells Fargo for an appraisal that was materially inaccurate anddespite my timely, documented ROV requestleft uncorrected. Time burden : I devoted substantial hours compiling evidence, submitting Wells Fargos forms, and corresponding to remedy this error. Lost opportunity : I ultimately abandoned the refinance with Wells Fargo and proceeded with another lender. Remedy Sought I respectfully request that the Department investigate and take appropriate action. Specifically, I seek : 1. Full refund of the appraisal fee paid to Wells Fargo ; and 2. Reasonable compensation for my time spent attempting to correct the error, which I will substantiate upon request. This complaint is directed at Wells Fargo the institution, not at any individual employee. While XXXX XXXX was my primary contact, the outcome reflects institutional handling and decision-making. Conclusion I complied with Wells Fargos procedures, promptly supplied evidence, and flagged a clear, material defect. Wells Fargo maintained an inaccurate valuation and subjected me to a process that only gave the illusion of good-faith review while pressing me to sign on to a refinance based on an appraisal that benefited the bank and harmed me financially. This caused direct financial harm. I ask the Department to review this matter and hold Wells Fargo accountable for its practices. All referenced materials are available upon request. Thank you for your attention. Sincerely, XXXX XXXX","date_sent_to_company":"2025-11-11T16:53:01.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"98036","tags":null,"has_narrative":true,"complaint_id":"17166436","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-11-11T16:38:37.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Negative impact of inaccurate appraisal"},"highlight":{"complaint_what_happened":["<em>Wells</em> <em>Fargo</em> maintained an inaccurate valuation and <em>subjected</em> me to a <em>process</em> that only gave the illusion of good-faith review while pressing me to sign on to a refinance based on an appraisal that benefited the bank and harmed me financially. This caused direct financial harm. I ask the Department to review this matter and hold <em>Wells</em> <em>Fargo</em> accountable for its practices. All referenced materials are available upon request. Thank you for your attention. Sincerely, XXXX XXXX"],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.592073,"17166436"]},{"_index":"complaint-public-v1","_id":"15364527","_score":19.528421,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Unauthorized Debit and Failure to Provide Provisional Credit Bank Error and Denial of Prior Notice Date I called Wells Fargo to request no payment : XX/XX/year> Date of unauthorized charge : XX/XX/year> Amount : {$160.00} On XX/XX/year>, I contacted Wells Fargo and explicitly notified them that I could not make my Wells Fargo Card Reserve payment for that billing cycle. This was a formal oral notice, given in advance, and sufficient for the bank to identify my account and the transaction in question. \n\nDespite my clear instructions, on XX/XX/year>, Wells Fargo processed an unauthorized debit of {$160.00}, which overdrafted my checking account. This transaction directly contradicted my communication with the bank and caused immediate financial hardship. \n\nWhen I contacted Wells Fargo to resolve the matter, they claimed that no such prior notice was given, effectively denying my documented communication. They refused to reverse the debit, issue a provisional credit, or waive fees, instead offering only to file a complaint. \n\nThis response is inconsistent with Regulation E ( 12 CFR 1005.11 ), which requires : Acceptance of oral notice as valid for triggering error resolution. \n\nA prompt investigation of the error once notice is received. \n\nIssuance of a provisional credit within XXXX business days if the matter can not be resolved immediately. \n\nBy denying that I gave prior notice and refusing a provisional credit, Wells Fargo has failed to meet its obligations under federal law.","date_sent_to_company":"2025-08-18T22:02:57.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"33193","tags":null,"has_narrative":true,"complaint_id":"15364527","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-18T21:34:10.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Unauthorized Debit and Failure to Provide Provisional Credit Bank Error and Denial of Prior Notice Date I called <em>Wells</em> <em>Fargo</em> to request no payment : XX/XX/year> Date of unauthorized charge : XX/XX/year> Amount : {$160.00} On XX/XX/year>, I contacted <em>Wells</em> <em>Fargo</em> and explicitly notified them that I could not make my <em>Wells</em> <em>Fargo</em> Card Reserve payment for that billing cycle."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.528421,"15364527"]},{"_index":"complaint-public-v1","_id":"6501943","_score":19.526022,"_source":{"product":"Mortgage","complaint_what_happened":"We purchased a vacation home at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$400000.00}. We took the mortgage in the amount of {$320000.00} from Wells Fargo mortgage office in XXXX XXXX  ( no longer here ). Throughout the process we were given a XX/XX/XXXX year mortgage rate somewhere in the XXXX % ( can not recall the details ). A XXXX  of days, right before the closing, we were trapped by the Wells Fargo agent into paying a much higher rate, somewhere in the XXXX % range. We were told that this was what Wells Fargo was willing to offer at that time and could not be changed. We complained verbally trying to get a satisfactory solution to the problem, to no avail. So pressed with the closing deadline we had no choice but to agree to take the higher rate. Since the rate appeared to be still in the \" semi reasonable '' rate, we did not press the issue afterwards. Now, I come to find reading the news, that this was a common, '' fraudulent '', practice Wells Fargo was involved in and it has been a subject of federal investigation and consumer settlement. We held and paid the mortgage until XX/XX/XXXX, when we sold the property.There was XXXX rate revision after XXXX years. I am sure the Wells Fargo records will reveal fully support this claim. Any assistance you can render advancing this claim against Wells Fargo will be greatly appreciated. Respectfully submitted. XXXX","date_sent_to_company":"2023-01-30T00:21:15.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"07470","tags":"Older American","has_narrative":true,"complaint_id":"6501943","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-29T23:30:02.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Now, I come to find reading the news, that this was a common, '' fraudulent '', practice <em>Wells</em> <em>Fargo</em> was involved in and it has been a <em>subject</em> of federal <em>investigation</em> and consumer settlement. We held and paid the mortgage until XX/XX/XXXX, when we sold the property.There was XXXX rate revision after XXXX years. I am sure the <em>Wells</em> <em>Fargo</em> records will reveal fully support this claim. Any assistance you can render advancing this claim against <em>Wells</em> <em>Fargo</em> will be greatly appreciated."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.526022,"6501943"]},{"_index":"complaint-public-v1","_id":"8516004","_score":19.489744,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Urgent Request for Investigation and Refund of Fraudulent Activity by Wells Fargo Dear Consumer Financial Protection Burea, I am writing to bring to your immediate attention a matter of utmost importance regarding the fraudulent activity that has transpired within my accounts at Wells Fargo. Despite my repeated attempts to seek resolution, Wells Fargo has failed to cooperate and has provided unreasonable excuses, thereby obstructing the process of refunding my remaining {$31000.00}, which was unlawfully drained from my accounts. \n\nThe information I am seeking is crucial for identifying the fraudster responsible for these despicable actions, particularly surveillance footage from security cameras near the Wells Fargo ATM Machine in XXXX XXXXXXXX XXXX XXXXXXXX New York ATM ID XXXXXXXX Card Ending-XXXX. Shockingly, Wells Fargo is denying access to this footage under the guise of security reasons, despite acknowledging the occurrence of identity theft and fraudulent activity on my accounts. This blatant refusal to cooperate constitutes a breach of contract on their part, as banks have an inherent duty to safeguard the assets and interests of their customers, a duty which Wells Fargo has evidently neglected. \n\nMoreover, Wells Fargo 's Enterprise Complaints Management Office contradictory statements regarding the acquisition of a debit card and the opening of an Everyday Checking account further compound this egregious situation. I visited multiple Wells Fargo branches in XXXX, XXXX, and XXXX XXXX, totaling five in number, and was consistently met with denials regarding the ease of obtaining an ATM card and opening an online account. Furthermore, their requirement for proof of address and identification documents, including a driver 's license or passport, contradicts their assertion that obtaining a debit card is a routine matter. This either points to a gross oversight in their security protocols or, worse yet, complicity on the part of Wells Fargo employees in facilitating the fraudulent transactions. \n\nDespite my repeated requests for transparency and cooperation, Wells Fargo 's Enterprise Complaints Management Office has persistently denied me access to vital information regarding the breach of security measures that allowed the fraudster to bypass their supposedly robust security protocols. This refusal to provide essential details is a clear violation of consumer protection regulations, including 1005.6 Liability of consumer for unauthorized transfers, particularly given my extenuating circumstances of being out of the country XX/XX/2023 and changing addresses, which prevented me from promptly notifying the bank of the fraudulent activity. \n\nFurthermore, their interpretation of my current address as XXXX XXXX XXXX XXXX XXXX XXXXXXXX New York XXXXXXXX, with which I have no affiliation, further highlights the incompetence and negligence exhibited by Wells Fargo in handling this matter. Despite my repeated requests for a thorough investigation and the refund of my {$31000.00} stolen funds, Wells Fargos Enterprise Complaints Management Office has continuously delayed and postponed my requests for obtaining crucial evidence about their investigation. They have offered nonsensical explanations, delayed answering my phone calls for up to 48 hours, always claimed to be busy, in meeting or redirected me to different departments, ultimately resulting in neglecting my request and citing internal security reasons as justification. \n\n\n\n\n\n\n\n\nTo exacerbate matters, I have been subjected to harassment and intimidation at my home and place of business, purportedly instigated by Wells Fargo through the XXXX Police Department and the Aging & Disabilityies Department Adult Protective Agency. Even the attending officers expressed surprise at the baseless nature of these interventions, as I had already filed a report regarding the occurrences. It is evident that Wells Fargo 's intimidation tactics are designed to deter me from seeking justice and restitution for their gross negligence and mishandling of this situation. \n\nGiven the severity and urgency of this matter, I urge the Consumer Financial Protection Burea to intervene immediately and conduct a thorough investigation into Wells Fargo 's Enterprise Complaints Management Office actions. I demand that {$31000.00} the refund process be initiated without further delay and that I be provided with regular updates on the progress of the investigation. You can reach me at XXXX XXXX XXXXXXXX should you require any further information or clarification. \n\nI expect prompt and decisive action from CFPB to hold Wells Fargo accountable for their actions and to ensure that justice is served. \n\nSincerely, XXXXXXXX XXXX XXXXXXXX XXXX","date_sent_to_company":"2024-03-11T01:50:12.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"91205","tags":null,"has_narrative":true,"complaint_id":"8516004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-03-11T01:47:28.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account opened without my consent or knowledge"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Urgent Request for <em>Investigation</em> and Refund of Fraudulent Activity by <em>Wells</em> <em>Fargo</em> Dear Consumer Financial Protection Burea, I am writing to bring to your immediate attention a matter of utmost importance regarding the fraudulent activity that has transpired within my accounts at <em>Wells</em> <em>Fargo</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.489744,"8516004"]},{"_index":"complaint-public-v1","_id":"10029188","_score":19.36296,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against Wells Fargo Unresolved ATM Withdrawal and Unauthorized Account Deduction Dear CFPB, I am writing to file a formal complaint against Wells Fargo regarding an unresolved issue involving an ATM withdrawal and a subsequent unauthorized deduction from my savings account. \n\nOn XXXX XXXX XXXX while in XXXX XXXX XXXX I attempted to withdraw {$300.00} multiple times from a Wells Fargo ATM . Each attempt was declined, and I did not receive any cash. However, a few days later, my account showed that the withdrawal attempts had been processed, as if all the attempts went through. This resulted in a total deduction of {$910.00} from my account, even though I never received the funds. \n\nI filed a claim with Wells Fargo, and they initially refunded the amount. However, a few months later, Wells Fargo reversed the refund, stating it was not an unauthorized transaction but an ATM claim. This forced me to start the process all over again. Eventually, I received the {$910.00} credit back, but I was asked to provide a receipt for the declined ATM transactions, which I could not provide since the ATM never processed the withdrawal. When I contacted a customer service representative to follow up, I was told it was a system error and to disregard the request, so I believed the issue was resolved. \n\nUnfortunately, XXXX weeks ago, in XX/XX/year>, Wells Fargo deducted {$610.00} from my savings account without explanation, just as my direct deposit hit my checking account. This deduction occurred despite the issue being closed months earlier. I contacted Wells Fargo to resolve the issue, but they informed me that their back office had determined the claim was not in my favor. Despite numerous requests, they have failed to provide any evidence or explanation for their decision. I have repeatedly asked for a call back from a manager or supervisor, but no one has responded. \n\nThis ongoing issue has been extremely frustrating, and I have had to constantly follow up with Wells Fargo to get any updates. It is unacceptable that they have taken money from my account without providing clear evidence or explanations. I believe Wells Fargos practices in handling this matter have been negligent and potentially deceptive. \n\nI kindly request that the CFPB investigate this matter and assist me in recovering the {$610.00} that was wrongfully taken from my account. \n\nThank you for your attention to this issue. I look forward to your assistance in resolving this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-09-05T07:55:52.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"93021","tags":null,"has_narrative":true,"complaint_id":"10029188","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-09-05T07:31:14.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Against <em>Wells</em> <em>Fargo</em> Unresolved ATM Withdrawal and Unauthorized Account Deduction Dear CFPB, I am writing to file a formal complaint against <em>Wells</em> <em>Fargo</em> regarding an unresolved issue involving an ATM withdrawal and a subsequent unauthorized deduction from my savings account. \n\nOn XXXX XXXX XXXX while in XXXX XXXX XXXX I attempted to withdraw {$300.00} multiple times from a <em>Wells</em> <em>Fargo</em> ATM . Each attempt was declined, and I did not receive any cash."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.36296,"10029188"]},{"_index":"complaint-public-v1","_id":"14474069","_score":19.33674,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Arbitrary Closure of Deposit Account Without Justification Account Number : Ending in XXXX Wells Fargo Case Number : XXXX Details of Complaint : On XX/XX/, Wells Fargo made a unilateral decision to close my deposit account ending in XXXX. I received formal notice on XX/XX/, stating the account would be closed by XX/XX/. \n\nI contacted Wells Fargo requesting a specific explanation for the closure. On XX/XX/, Wells Fargo responded in writing ( XXXX  ) and refused to provide any detailed reason, citing a business decision and claiming confidentiality of their risk assessment process. The bank further stated that the decision is final and offered no recourse or appeal. \n\nI believe Wells Fargos refusal to provide any meaningful explanation for the closure of my account may violate fair banking practices, creates unreasonable barriers to banking access, and could reflect discriminatory or arbitrary decision-making inconsistent with the Equal Credit Opportunity Act ( ECOA ) and other applicable consumer protection laws. \n\nAdditionally, Wells Fargo has not indicated whether it has reported adverse information about me to consumer reporting agencies such as XXXX, which could impact my ability to open accounts at other financial institutions. \n\nRequested Resolution : Require Wells Fargo to provide a clear, specific, and non-confidential reason for the closure of my account. \nEnsure that Wells Fargo corrects or clarifies any information they may have reported to XXXX  or other agencies to prevent undue harm to my financial standing. \nInvestigate whether Wells Fargos account closure policies and practices violate federal banking or consumer protection laws. \n\nAttachments : Wells Fargo response letter dated XX/XX/ Certification : I certify that the information provided in this complaint is true and accurate to the best of my knowledge. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-07-07T12:30:11.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"10801","tags":"Servicemember","has_narrative":true,"complaint_id":"14474069","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-07-07T12:23:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Arbitrary Closure of Deposit Account Without Justification Account Number : Ending in XXXX <em>Wells</em> <em>Fargo</em> Case Number : XXXX Details of Complaint : On XX/XX/, <em>Wells</em> <em>Fargo</em> made a unilateral decision to close my deposit account ending in XXXX. I received formal notice on XX/XX/, stating the account would be closed by XX/XX/. \n\nI contacted <em>Wells</em> <em>Fargo</em> requesting a specific explanation for the closure."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.33674,"14474069"]},{"_index":"complaint-public-v1","_id":"19109618","_score":19.279844,"_source":{"product":"Mortgage","complaint_what_happened":"Complaint Narrative I am submitting this complaint to request regulatory review of Wells Fargos mortgage servicing conduct during a refinance inquiry, subsequent loss mitigation review, and internal complaint investigation. The issues described below reflect systemic failures in borrower communication, servicing oversight, and complaint handling that resulted in significant and foreseeable consumer harm. \n\nIn XX/XX/year>, following a documented reduction in income, I proactively contacted Wells Fargo to seek guidance on maintaining affordability and avoiding delinquency. At that time, my account was current and my monthly payment was approximately XXXX XXXX XXXX dollars. I sought assistance precisely because I am not a financial professional and reasonably relied on Wells Fargo, as the loan servicer and institutional expert, to provide accurate and complete information regarding its processes. \n\nDuring my initial recorded call in XX/XX/year> with a Wells Fargo refinance representative, I was provided guidance regarding how the refinance process would proceed and what actions were required during review. Wells Fargo has since asserted that I remained solely responsible for making contractual payments regardless of refinance review status. However, Wells Fargo failed to clearly, affirmatively, and consistently communicate this requirement in a manner sufficient to prevent borrower reliance on incomplete or misleading information. No written clarification, follow up notice, or corrective communication was provided during the months long review period despite multiple points of contact. \n\nWells Fargo accepted an approximately XXXX XXXX dollar refinance related payment, verified my employment including supervisor contact, repeatedly requested documentation, and allowed the process to advance as though approval remained viable. At no point was I informed that failure to continue payments would automatically result in denial, nor was I advised that investor or underwriting guidelines rendered approval impossible. The denial was communicated only moments before a scheduled closing. This sequence reflects a breakdown in Wells Fargos internal review controls and failure to provide material information necessary for an informed borrower decision.\n\nWells Fargos position that responsibility rested entirely with the borrower disregards the servicers obligation to provide accurate, complete, and non misleading guidance during complex servicing interactions. A reasonable servicer exercising ordinary care would have identified the risk of borrower reliance and taken corrective action well before harm occurred. Wells Fargo had repeated opportunities to clarify requirements, pause the process, or issue written warnings. It did none of these things. \n\nAdditionally, Wells Fargo instructed me to obtain payoff statements for other debts and to preserve balances during payoff periods, actions that are standard within refinance workflows. Wells Fargo now attributes the resulting credit damage solely to borrower conduct while failing to acknowledge that these actions occurred within the framework of Wells Fargos own process and instructions. The cumulative result was a credit score reduction exceeding XXXX XXXX points. \n\nAfter the refinance denial, I immediately attempted to mitigate harm by applying for mortgage assistance. Rather than providing relief consistent with hardship standards, Wells Fargo proposed a payment increase of nearly XXXX XXXX dollars per month. Wells Fargo has not explained how increasing a payment constitutes assistance, affordability, or loss mitigation, nor how this outcome aligns with consumer protection principles. My attempt to stabilize the account directly worsened my financial position. \n\nIn XX/XX/year>, as my vehicle faced repossession and my home received a foreclosure notice, I again sought assistance. The response I received focused on retrospective blame rather than resolution, reinforcing a pattern of servicing conduct that prioritizes fault shifting over corrective action. \n\nI also submitted a discrimination complaint regarding my treatment during this process. Wells Fargo assigned the investigation to the same individual whose conduct was the subject of the complaint. This represents a clear conflict of interest and undermines the independence, credibility, and adequacy of the investigation. The review narrowly focused on the assertion that I should have continued making payments, while failing to examine whether Wells Fargo provided accurate guidance, timely disclosures, or adequate safeguards against XXXX XXXX. \n\nI requested a copy of the XX/XX/year> recorded call that would resolve material factual disputes regarding the guidance provided. Wells Fargo refused to provide the recording while simultaneously denying the substance of the guidance given. This refusal impairs transparency and prevents meaningful dispute resolution. \n\nThe property securing this loan has substantial equity, with an approximate value of XXXX XXXX XXXX XXXX dollars and an outstanding balance of approximately XXXX XXXX dollars. The hardship described herein did not arise from unwillingness to pay, but from Wells Fargos failure to provide accurate, complete, and timely servicing guidance, failure to implement effective internal controls, and failure to conduct an impartial complaint review. \n\nI am requesting that the CFPB review Wells Fargos mortgage servicing practices for potential unfair, deceptive, or abusive acts or practices, evaluate its borrower communication standards, assess its complaint investigation procedures for conflicts of interest, and require corrective action to remedy the consumer harm caused by these failures.","date_sent_to_company":"2026-01-29T19:19:00.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"125XX","tags":null,"has_narrative":true,"complaint_id":"19109618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-01-29T18:59:16.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["I also submitted a discrimination complaint regarding my treatment during this <em>process</em>. <em>Wells</em> <em>Fargo</em> assigned the <em>investigation</em> to the same individual whose conduct was the <em>subject</em> of the complaint. This represents a clear conflict of interest and undermines the independence, credibility, and adequacy of the <em>investigation</em>."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.279844,"19109618"]},{"_index":"complaint-public-v1","_id":"13398521","_score":19.225403,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Against Wells Fargo Overdraft Fees Charged Despite Opt-Out To Whom It May Concern, My name is XXXX XXXX XXXX and I am submitting this formal complaint against Wells Fargo Bank , N.A . regarding their overdraft practices, which I believe are deceptive, predatory, and in violation of the spirit of federal consumer protection standards. \n\nI previously opted out of Wells Fargos overdraft coverage, which, according to their disclosures, should prevent any transactions from being authorized when there are insufficient funds in my account. However, I recently incurred multiple {$35.00} overdraft fees, even though I had opted out. When I contacted the bank, I was informed that Wells Fargo reserves the right to approve or deny transactions at their discretion, including recurring charges, regardless of my opt-out status. \n\nThis renders the opt-out process meaningless and misleading, giving consumers a false sense of security while still allowing the bank to process transactions and charge excessive fees. I believe this practice is intentionally designed to generate overdraft revenue at the expense of vulnerable customers, particularly in times of financial hardship. \n\nWells Fargo appears to be engaging in practices that : Violate the intent of opt-out protections under federal law. \nLack transparency and mislead consumers. \nPrioritize revenue from fees over fair and ethical banking. \n\nI respectfully request that the Consumer Financial Protection Bureau investigate Wells Fargos overdraft policies and practices, particularly their treatment of recurring transactions after a consumer has opted out. Additionally, I ask for assistance in obtaining a full refund of the overdraft charges applied to my account under these circumstances. \n\nConsumers deserve honesty, consistency, and protectionnot discretionary loopholes that result in unjust financial harm. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-08T01:56:27.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"34747","tags":null,"has_narrative":true,"complaint_id":"13398521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-05-08T01:38:33.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Against <em>Wells</em> <em>Fargo</em> Overdraft Fees Charged Despite Opt-Out To Whom It May Concern, My name is XXXX XXXX XXXX and I am submitting this formal complaint against <em>Wells</em> <em>Fargo</em> Bank , N.A . regarding their overdraft practices, which I believe are deceptive, predatory, and in violation of the spirit of federal consumer protection standards."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.225403,"13398521"]},{"_index":"complaint-public-v1","_id":"15365111","_score":19.221216,"_source":{"product":"Mortgage","complaint_what_happened":"Subject : Formal Complaint Regarding Mortgage Lending Practices at Wells Fargo Dear Sir/Madam, I am writing to file a formal complaint regarding the mortgage lending process I experienced with Wells Fargo Bank , N.A . The handling of my application was marked by repeated inefficiencies, inconsistent communication, and unreasonable demands that caused significant delays and financial hardship. \n\nSummary of Issues : Repeated Agent Changes and Broken Commitments : Throughout the process, Wells Fargo repeatedly reassigned my case to different agents. Each time, a supervisor assured me that the assigned representative would be my sole point of contact moving forward. These promises were consistently broken, resulting in confusion, lack of continuity, and repeated requests for the same documentation. \n\nRedundant Documentation Requests : After submitting all required documentation, Wells Fargo requested the same materials multiple times. These requests came from different representatives, each seemingly unaware of prior submissions, causing unnecessary delays. \n\nDisorganized Communication : The lack of coordination among Wells Fargo staff created confusion and prolonged the approval timeline. I was contacted by multiple individuals who provided conflicting instructions and failed to acknowledge previously submitted materials. \n\nDelayed Interest Rate Lock : After the initial rate lock expired, Wells Fargo failed to secure a new rate during a period of favorable market fluctuations. This oversight resulted in a higher interest rate and increased long-term financial burden. \n\nUnexpected Re-Approval Process : Although the loan was eventually approved, the transaction was delayed due to the unfortunate passing of the seller. Wells Fargo then required a second property inspectionat my expenseand demanded that I resubmit all prior documentation to restart the approval process. \n\nUnjustified Requirement for Spousal Financials : In the second round of review, Wells Fargo refused to proceed without financial documentation from my spouse, despite the fact that this was a non-joint application and my spouse was not listed on the loan. This requirement contradicts standard lending practices and raises concerns about discriminatory or arbitrary underwriting. \n\nThese actions reflect a lack of professionalism and accountability, and they have caused undue stress, financial loss, and disruption to my housing plans. I respectfully request that your office investigate Wells Fargos mortgage lending procedures and determine whether they are in compliance with consumer protection laws and fair lending standards. \n\nI am prepared to provide supporting documentation, including correspondence and records of submission, upon request. The mortgage did eventually close but there were delays with miscalculations on the closing documents and no one at wells was available during closing to approve the error corrections for the attorney. \n\nThank you for your attention to this matter. I trust that your office will take appropriate steps to ensure that consumers are treated fairly and that lending institutions are held to the highest standards of integrity. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-08-19T01:12:32.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"318XX","tags":null,"has_narrative":true,"complaint_id":"15365111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2025-08-19T00:29:34.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Delays with the closing process"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Formal Complaint Regarding Mortgage Lending Practices at <em>Wells</em> <em>Fargo</em> Dear Sir/Madam, I am writing to file a formal complaint regarding the mortgage lending <em>process</em> I experienced with <em>Wells</em> <em>Fargo</em> Bank , N.A . The handling of my application was marked by repeated inefficiencies, inconsistent communication, and unreasonable demands that caused significant delays and financial hardship."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"],"sub_issue":["Delays with the closing <em>process</em>"]},"sort":[19.221216,"15365111"]},{"_index":"complaint-public-v1","_id":"8313567","_score":19.165915,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Formal Complaint Against Wells Fargo for Unresolved Fraudulent Transactions Dear cfpb, I am writing to file a formal complaint against Wells Fargo regarding unauthorized transactions that occurred on my credit card and checking account. Despite my initial efforts to open a claim, the resolution process has been challenging due to an unfortunate misunderstanding during my state of confusion. \n\nI observed several charges on my credit card and checking account that were undoubtedly fraudulent. Regrettably, in my overwhelmed state, I mistakenly flagged some of these charges as authorized during the initial claim process. Unfortunately, Wells Fargo is now refusing to re-open the claim. \n\nI strongly believe that Wells Fargo should have exercised due diligence by inquiring about all questionable charges, not just the ones initially submitted. The perpetrator used unauthorized means to access my bank accounts, transferring funds from my credit card and checking account into a brokerage account. Subsequently, the funds were withdrawn using XXXX. \n\nSince then, I have taken proactive measures to enhance my security. I purchased a new phone, changed my passwords, and implemented XXXX authentication. Consequently, there has been XXXX fraudulent activity on my accounts. \n\nI strongly believe that Wells Fargo 's reluctance to reopen the claim and address the full extent of the fraudulent transactions is incredibly and unfathomably unjust. \n\nEnclosed with this letter, you will find supporting documentation, including : A detailed list of unauthorized transactions that equal around {$9000.00} I appreciate the cfpb 's commitment to consumer protection and trust that a fair and impartial investigation will be conducted. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-02-09T13:36:55.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"90026","tags":null,"has_narrative":true,"complaint_id":"8313567","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-02-09T13:14:40.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Formal Complaint Against <em>Wells</em> <em>Fargo</em> for Unresolved Fraudulent Transactions Dear cfpb, I am writing to file a formal complaint against <em>Wells</em> <em>Fargo</em> regarding unauthorized transactions that occurred on my credit card and checking account. Despite my initial efforts to open a claim, the resolution <em>process</em> has been challenging due to an unfortunate misunderstanding during my state of confusion."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.165915,"8313567"]},{"_index":"complaint-public-v1","_id":"19750477","_score":19.018452,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Formal Complaint against Wells Fargo regarding Claim XXXX XXXXXXXXXXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint against Wells Fargo regarding their mishandling and denial of a fraud claim involving the * * XXXX XXXX XXXX XXXX XXXX * * and * * XXXX XXXX XXXX XXXX * *. On XX/XX/XXXX, Wells Fargo issued a letter acknowledging an unauthorized check for * * {$22000.00} * * that was paid from this account. \n\nWells Fargo has denied my claim for reimbursement, stating that they can not provide credit because too much time passed before they were contacted about the fraud. The fraudulent check ( Serial XXXX XXXXXXXX ) was processed on XX/XX/XXXX, and made payable to * * XXXX XXXX * *. While Wells Fargo denied the claim as \" untimely '', they committed to attempting to recover from the bank that accepted the check, * * XXXX XXXX XXXX, XXXX. * *. \n\nIn their correspondence, Wells Fargo stated : * It typically takes * * XXXX days * * to receive a response from the other bank. \n\n\n* They would provide a follow-up response detailing any amount recovered. \n\n\n* If funds were not recovered, they would provide all documentation that the other bank provided related to the claim. \n\n\n\nAs of today, XX/XX/XXXX, XXXX  days have passed since Wells Fargo sent me that letter. To date, I have not received any follow-up, documentation, or status update from Wells Fargo XXXX They have significantly exceeded their stated XXXX timeline and failed to provide the transparency they promised, despite denying my reimbursement. \n\nFurthermore, Wells Fargo 's lack of follow-through has significantly crippled the XXXX XXXX Police Department 's ability to investigate this crime. Without the promised documentation and recovery details, law enforcement remains unable to proceed with a complete investigation into the theft of these trust funds. \n\nI am requesting the CFPBs assistance in compelling Wells Fargo to provide : XXXX. All documentation regarding XXXX XXXX internal investigation into this fraud. \nXXXX. All documentation and correspondence received from XXXX XXXX XXXX, XXXX. regarding this item. \nXXXX. A definitive update on the status of the recovery of the * * {$22000.00} * *. \n\nThank you for your assistance in resolving this matter and for facilitating the necessary information for local law enforcement.","date_sent_to_company":"2026-02-24T20:26:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"94114","tags":null,"has_narrative":true,"complaint_id":"19750477","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-02-24T20:05:09.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Formal Complaint against <em>Wells</em> <em>Fargo</em> regarding Claim XXXX XXXXXXXXXXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint against <em>Wells</em> <em>Fargo</em> regarding their mishandling and denial of a fraud claim involving the * * XXXX XXXX XXXX XXXX XXXX * * and * * XXXX XXXX XXXX XXXX * *. On XX/XX/XXXX, <em>Wells</em> <em>Fargo</em> issued a letter acknowledging an unauthorized check for * * {$22000.00} * * that was paid from this account."],"company":["<em>WELLS</em> <em>FARGO</em> & COMPANY"]},"sort":[19.018452,"19750477"]},{"_index":"complaint-public-v1","_id":"20135015","_score":18.890526,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Complaint Regarding Extended Deposit Hold and Resulting Financial Harm Wells Fargo To Whom It May Concern, I am filing a formal complaint regarding Wells Fargo Bank placing an extended hold on a rent check deposit which has caused direct financial harm. \n\nOn XX/XX/year>2026, I deposited a rent check in the amount of {$13000.00} into my Wells Fargo account. The check was issued by my long-standing commercial tenant, XXXXXX/XX/XXXX XXXX, which has been a tenant for approximately XX/XX/XXXX years with an established payment history. \n\nThe tenants bank, Bank XXXX XXXX, confirmed that the funds were withdrawn from the tenants account on XX/XX/scrub> 2026, when Wells Fargo presented the check for payment. This indicates that Wells Fargo successfully collected the funds from the paying bank on that date. \n\nDespite the funds being collected, Wells Fargo placed a hold on the deposit untilXX/XX/XXXX 2026. \n\nAfter noticing the hold, I contacted the Wells Fargo Executive Office approximately XX/XX/scrub> 2026, and informed them that the hold would cause my mortgage payment to be returned when it was scheduled to process. \n\nI subsequently contacted the Executive Office XXXX separate times to warn them of the financial harm that would occur if the hold remained in place. During these calls I requested that the hold be reviewed and investigated. No investigation was conducted and no explanation was provided beyond repeating that the hold would remain in place until the scheduled release date. \n\nAs I warned Wells Fargo in advance, my mortgage payment was returned on XX/XX/scrub> 2026, because Wells Fargo continued holding funds that had already been collected from the paying bank. \n\nAs a result, my account balance reflected a negative balance of approximately {$11000.00}, and I am now facing the consequences of a returned mortgage payment, including potential fees and financial disruption. \n\nThis situation could have been avoided had Wells Fargo conducted a review of the hold after I notified them multiple times of the imminent financial harm. \n\nI am requesting that Wells Fargo : XXXX. Conduct a formal investigation into the hold placed on my XX/XX/year>2026 deposit XXXX. Provide documentation explaining the reason for the extended hold XXXX. Reimburse all fees and financial damages resulting from the returned mortgage payment and any related charges I made multiple good-faith attempts to resolve this matter directly with Wells Fargo before the financial harm occurred, but those warnings were ignored. \n\nThank you for reviewing this complaint. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2026-03-19T12:59:25.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"92028","tags":null,"has_narrative":true,"complaint_id":"20135015","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-10T17:47:50.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>Subject</em> : Complaint Regarding Extended Deposit Hold and Resulting Financial Harm 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