Complaints

This profile includes complaints for Wells Fargo's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Wells Fargo

  420 Montgomery St Fl 2 San Francisco, CA 94104-1207

• 

  Wells Fargo Bank

  14 S Main St Aberdeen, SD 57401-4172

• 

  Wells Fargo

  4150 Southwest Dr Ste 125 Abilene, TX 79606-2286

• 

  Wells Fargo

  1795 Mars Hill Rd NW Acworth, GA 30101-4555

• 

  Wells Fargo

  300 1st Ave W Albany, OR 97321-2226

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/28/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date of contact: December 28, 2024 I contacted Wells Fargo to close my premier checking account. After spending about 45 minutes on the phone and verifying my identity, I was informed that my account could not be closed without a supervisor's consent and that no supervisor was available. I was only requesting that my account be closed, and the funds be sent to the address of record. I will need to contact them during a weekday and go through the same process again. Should I not have been told that at the beginning of the call? Wells Fargo has the lowest interest rates. I am unable to travel to a branch office.

  Business Response

  Date: 01/15/2025

  Please see the attached bank response;enclosures have been forwarded to the customer. 

• Initial Complaint

  Date:12/28/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wells Fargos is at it again!! I was charged $35 in over draft fee,, I had a transaction post to the account on 12/26/2024 my account went into the negative there is a ***** period to cover the funds i transferred $275 on the 12/27/2024 before 11:59pm eastern time and was still charged the overdraft fee spoke to a representative to verify the time stamp they cannot see time stamps ,, this is a system error and they refuse to fix the error I had this happen to me once before

  Business Response

  Date: 01/08/2025

  Please see attached bank  response. 

• Initial Complaint

  Date:12/28/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to the ***, an unpaid charge-off is considered income, and under the ****, income cannot be reported on a credit report. The below account has been charged off and I will be receiving a 1099-C (Cancellation of Debt) : Account Number: ************ Original Balance: $30,484 Charged Off Balance: $17,608 After checking my most current report, I noticed that this account is still being reported as a charge-off. This account cannot continue to be reported as a charge-off on my credit report because it is income that I will pay taxes on. I request that you cease reporting this account and delete it from my credit report.

  Business Response

  Date: 01/07/2025

  Please see the attached Bank response

  Customer Answer

  Date: 01/07/2025

  Your response dated  acknowledges that the account was charged off on February 3, 2022. However, the continued reporting of this account as a collectible obligation is both misleading and in violation of federal law.

  
  Legal Basis for My Dispute
  IRS Definition of Cancelled Debt
  According to *** guidelines, canceled or charged-off debt is classified as gross or ordinary income and must be reported as such on a tax return, regardless of whether a Form 1099-C has been issued.
  Reporting a charged-off account as an active liability on a credit report contradicts the ***'s classification of the debt as income, which is no longer collectible.

  
  Violation of 15 U.S. Code 1681s-2
  As a data furnisher, Wells Fargo Auto is legally obligated to ensure the accuracy and completeness of information reported to consumer reporting agencies.
  Under 1681s-2(a)(1)(A) and (B), furnishers are prohibited from providing information they know to be inaccurate or failing to correct inaccuracies after notice.

  
  The reporting of this account as both charged off and a collectible obligation creates a contradiction, as canceled debt is no longer a valid liability. This directly violates the Fair Credit Reporting Act (FCRA), which mandates accurate and verifiable reporting.
  Precedent ********************************************************** vs. ******, 36 Misc 3d 1214(a): A creditor cannot enforce a debt after receiving tax benefits from the charge-off.
  Amtrust Bank vs. *******, 223 Ariz 438: Issuance of a Form 1099-C is prima facie evidence that the debt has been discharged.
  Franklin Credit ********* vs. ********, 2001: It is inequitable to hold a debtor liable for a charged-off debt that has been reported as income.

  
  Demand for Immediate Action
  This is a formal demand to:
  Cease and desist the reporting of this inaccurate account immediately.
  Delete this account from all consumer reporting agencies.
  Provide written confirmation of the deletion to the address listed above within 10 calendar days.
  The continued reporting of inaccurate information has caused significant harm to my character, reputation, and financial opportunities.

  Business Response

  Date: 01/13/2025

  Please see attached bank response.

• Initial Complaint

  Date:12/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally complain about the inadequate assistance I received from Wells Fargos ******************* during a period of financial hardship caused by illness, hospitalization, and loss of wages. I have been a loyal customer since the early 1990s, back when the institution was *******************, but the treatment Ive received has been disappointing.When I reached out for help, I was told the only way to waive fees or reduce payments was to cancel my credit card. This solution is neither fair nor sustainable, as it damages my credit score and fails to provide meaningful ********* make matters worse, I have been hit with exorbitant fees and interest charges, which make it nearly impossible to regain financial stability:September: $130.69 interest, $40 late fee (September 12).October: $140.07 interest, $40 late fee (October 12, refunded on October 19).November: $117.98 interest.December: $123.75 interest.The interest rates and late fees are excessive, disproportionately affecting middle-class customers like myself. It feels like these policies are designed to trap individuals in debt rather than provide genuine support during hardship.I urge Wells Fargo to reconsider its *******************s policies and offer meaningful relief options such as temporary interest freezes, fee waivers without account cancellations, or realistic repayment plans.Thank you for your time and assistance.

  Business Response

  Date: 01/09/2025

  Please see the attached Bank response.

• Initial Complaint

  Date:12/27/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wells Fargo open a checking account in my name that I didnt authorize. The bank is sending a debit card to an old address ****************************************************************************************.

  Business Response

  Date: 01/23/2025

  Please see the attached Bank response.  

• Initial Complaint

  Date:12/26/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My credit card account with ********************** was abruptly close with no notification or warning.

  Business Response

  Date: 12/31/2024

  Please see the attached Bank response. 

  Customer Answer

  Date: 01/01/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Navrupe Bachra

• Initial Complaint

  Date:12/26/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a Premier accountholder at **. I am filing a complaint againstTeresa *******, who claims to be the manager at ************* at ******. Right before Christmas, I received a letter that they are closing this branch so my accounts will be served by another branch, whichis far from our home, and I can no longer use my safe deposit box. We had to cancel our flights because we had to resolve these issues before our departures. How could they inform me right before the holidays? Worst of all, we had to withdrawcash from my accounts to open new safe deposit boxes in other banks in a hurry but Ms. ******* refused to let me withdrawmore than $3000 from my accounts, claiming that they do not have cash. It was morning so it must have been a lie that a large bank like Well Fargo did not have more than $3000. I believe that it is illegal. I also heard that others were able to withdrawafter me without any problem. Therefore, I think that she was also discriminating against me.

  Business Response

  Date: 01/02/2025

  Please see the attached Bank response. 

  Customer Answer

  Date: 01/06/2025

  I initially considered closing this case if ** offered a genuine apology and let me close my accounts without further interruptions, as I am a cancer patient and wished to avoid additional stress. However, they included an abundance of irrelevant details that fail to justify their inappropriate behavior while simultaneously neglecting to acknowledge their own wrongdoing. This deflects attention and disseminates inaccuracies that may cause others to misinterpret this situation: They refused to let me withdraw less than 1% of my savings at the teller window twice. The amount I withdraw at the teller window does not affect the amount I withdraw from the **** vice versa. Furthermore, I have no limit on withdrawals at the teller window. I had to also report them to the ***, as the headquarters did not provide assistance; instead, the branch exacerbated the situation, leading to a security concern.
  
  
  Please acknowledge the facts below, along with my original complaint, and assure me that such misconduct will not be repeated. If not, more clients will face the same difficulties that I had. They are attempting to transfer their accounts to a different branch. I heard that ** is closing many branches nowadays and it was even on the news.
  
  
  1.  Ms. ******* initially refused to permit my withdrawal entirely. She attempted to redirect me to a different branch that is quite distant. She wouldn't tell me how much I could take out and even questioned my reasons for needing it. It was only after I suggested I might have to report her conduct and I inquired once more about the amount of cash they have that she finally said, "We have $3000. We will give you what we have." Please confirm whether no cash was available that day and that no one else could make cash withdrawals after my transaction. This isn't about whether they had issues of cash on demand. I am also not asking about the transportation ticket or shipment amount, either. Please refrain from diverting. 
  
  
  2. On Dec. 27, Ms. ****** **** also initially denied my request to make any withdrawals and insisted I go to a different branch or use the *** or their app, when the other branches are far, I needed more cash than the *** limit, and their app wasn't working. She allowed me to take out $4000, but only after I mentioned again that I would report her as well if she didn't let me withdraw. Please confirm whether no cash was available that day as well and that no one else could make withdrawals after my transaction. 
  
  
  3. I inquired about the time frame in which she would be able to arrange the cash and the amount she could provide. However, she initially refused to let me know that, either.  I subsequently found out that they were scheduled to receive a cash shipment later that day, and she assured me that she would contact me by phone. Nevertheless, she failed to call me as well.
  
  
  4. Ms. ** claimed that her research determined that no banking error occurred during the call made on Dec. 27. However, I never stated that there was a "banking" error during the call. I informed her their numerous obstructions that prevented me from withdrawing my money. Their website instructed me to either visit their branches or call their call center to increase my *** limit. (Proof 1. 2024-12 Wrong Info by WF.pdf) At the branch, both Ms. ******* and Ms. **** declined to do it. Ms. Rabadan incorrectly instructed me to do it online and also directed me to the wrong part of their website to do it. Additionally, WF caused me to call an incorrect number by listing a wrong number. (Proof 1. 2024-12 Wrong Info by WF.pdf) ***** declined to assist and transferred my call to another department. Ms. ** also lied as if I was informed about the self-service option correctly but no. Their call center did not know the difference between mobile apps and "online" and instructed me wrong. She also failed to mention that the self-service option would only become available after a banker sends a link. Most importantly, WF should not have concealed this option. They did NOT have that option at that time in my online account. (Proof 1. 2024-12 Wrong Info by WF.pdf) WF updated their website after the incident to add that option to my account, which was too late, during which they mistakenly emailed me three times. WF took numerous actions to obstruct my attempts to withdraw cash like this.
  
  
  5. Ms. **** also approached their banker, who was engaged with another client, and proceeded to discuss my financial situation in the presence of that client. That client appeared taken ***** and continued to glance at me. Residing in ********, where vehicles are unnecessary, I walk frequently. Would ** assume responsibility if I were to experience theft or face harm on the street due to their failure to safeguard my financial information and exposing it to outsiders? It is audacious for them to speak of their privacy while putting their client at risk.
  
  
  6. Ms. ** wrote "(her) research uncovered," implying as if I had concealed something. In reality, I had already communicated it with her last year, both via telephone and in the *** report.

  Business Response

  Date: 01/09/2025

  Please see the attached Bank response.

  Customer Answer

  Date: 01/13/2025

  I kindly request that this case be reassigned to a different team at **, specifically one overseen by a supervisor other than Ms. **** It is unproductive to continue correcting their falsehoods and not getting replies to my requests. This has also devolved into a form of victim blaming. I am perplexed by Ms. ** 's continued disclosure of my financial activities and status without necessity, as well as her tendency to distort the facts.
  
  While she expressed a broad apology, she failed to acknowledge the significant issues at hand and distorted the facts, which suggests that the apology is not genuine.  As they must know by now, I am not complaining why there was a cash shortage, or why Ms. **** approached a banker. They even declined to arrange funds for me and my financial situation was disclosed to a stranger. Please acknowledge each request individually as I outlined in my previous reply and assure me that ** will cease those unlawful activities.
  
  Please also acknowledge the following.
  
  1. Ms. ** manipulated as if I possessed only one ** account and I was dishonest by withdrawing over 1%. However, I wrote that they refused to let me withdraw less than 1% of my saving"s" at the "teller window" "twice". I have included the document showing that I have over $530,000 in my WF accounts, even after withdrawing and spending over $20,000. (2025-01-12 WF accounts.pdf) They declined to let me withdraw either over $3000 or $4000 at the teller window so it was less than 1%. Most of all, she should not have disputed whether it was 1% or not. I have a right to withdraw my funds, yet they even refused to arrange funds for me.
  
  2. The transfer she mentioned sounded as if I was moving funds from a different bank to my WF checking account, which typically requires at least a day for the funds to be accessible. However, she concealed the fact that the transfer was actually from another ** account of mine to my WF checking account which should have resulted in immediate availability of the funds, according to their branch. I didn't need to, but I still waited a day before attempting to withdraw the funds. Most of all, this did NOT affect my withdrawal issue. Therefore, there was absolutely no reason for her to bring this up.
  
  3. She requested me to keep in mind that the *** and teller window are not supplied together and do not communicate regarding cash flow. Another case of wrongfully deflecting attention through manipulation. She was the one who disclosed my *** withdrawal amount, making it seem like that was the reason I couldn't take money out at the teller window. I was the one who corrected that the teller window withdrawal does not affect the *** withdrawal limit, "vice versa".
  
  Last September, I asked a banker at this branch if they were shutting down since there was no manager present and he kept pressuring me to open another account in another branch of theirs. He assured me that they are not closing. Therefore, I asked a government agency to send my refund check to my WF checking account. I have been calling them to change the account, but they do not allow the change of account in the middle of the process. Therefore, I cannot close my WF checking account until I receive the check. I have to keep at least $500 to avoid any fees, when I do not want to keep a cent at **. I had to cancel my flight and plans to be with my families and friends during the holidays and I am stuck alone here even now because of them. It has been like a nightmare for me, and I really hope that they do not cause any more stress to me.

• Initial Complaint

  Date:12/26/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear BBB staff, We are writing you asking for help concerning Wells Fargo allowing customers to be the victims of fraud.I had made a claim with Wells Fargo for $538.92 for a merchandise we had returned to the store. We had returned the merchandise to the store in Brand New condition. The merchandise was still sealed when we brought it back to the store.We sent evidence to Wells Fargo showing we had brought the merchandise back to the store, that the store's own staff physically opened the merchandise themselves, and kept the merchandise. However, even with this evidence on 12/03/2024 Wells Fargo reversed the $538.92 against us.

  Business Response

  Date: 01/03/2025

  Please see the attached Bank response. 

• Initial Complaint

  Date:12/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Wells Fargo account was closed in December 2019 and recorded as a charge off. As of Dec 2024 it is still being reported as a charge off. A creditor cannot continue to report a charged-off account as past due on a credit report.Related Laws:Fair Credit Reporting Act (FCRA)15 U.S.C. 1681s-2(a)(1)(B): Requires creditors to report accurate information, including charge-offs, to consumer reporting agencies (****).15 U.S.C. 1681s-2(a)(2): Requires CRAs to report charge-offs to consumers and provide a notice of adverse action if a charge-off is reported.Truth in Lending Act - 15 U.S.C. 1637(d): Requires creditors to disclose terms of a credit agreement, including the possibility of a charge-off, to consumers before the agreement is entered into.Regulation Z 12 CFR 1026.60(a)(1): Requires creditors to disclose terms of a credit agreement, including the possibility of a charge-off, to consumers before the agreement is entered into.12 CFR 1026.60(a)(2): Requires creditors to report charge-offs to CRAs and provide a notice of adverse action if a charge-off is reported.*****-*****-****** Act - 15 U.S.C. 6801(a)(1): Requires financial institutions to disclose privacy policies and practices to consumers, including the use of CRAs to report charge-offs.Federal ************* Regulation B 12 CFR 202.2(a)(1): Requires creditors to disclose the terms of a credit agreement, including the possibility of a charge-off, to consumers before the agreement is entered into.12 CFR 202.2(a)(2): Requires creditors to report charge-offs to CRAs and provide a notice of adverse action if a charge-off is reported.Related Court Case **** v. *************** - The creditor had no right to continue reporting the account as past due after it had been charged off. Reporting of the account as past due was inaccurate and violated the ****. The court ordered the creditor and ********** to remove the inaccurate information from ****** credit report and to pay him damages.

  Business Response

  Date: 01/10/2025

  Please see the attached Bank response. 

  Customer Answer

  Date: 01/14/2025

   
  Complaint: 22732247
  
  I am rejecting this response because:

  Wells Fargo is not knowledge about the consumer laws. Wells Fargo stated in their response "What you need to know This account was opened on December 3, 2014. On December 10, 2019, the account was closed due to delinquency."

  Since this account was closed on 12/10/2019, the statute of limitations expired December 11, 2021.

  Since this account was closed on 12/10/2019, a closed account can no longer be reported each month as a chargeoff or pastdue.

  As evidence in this court case  "One recent court case that supports the idea that a creditor cannot continue to report a charged-off account as past due on a credit report is the case of:
  **** v. *************** (2020) In this case, the United States District Court for the Eastern District of ******** ruled that a creditor cannot continue to report a charged-off account as past due on a credit report after the account has been charged off.

  The plaintiff, ****, had a credit card account with a ************************ that was charged off. The creditor continued to report the account as past due on ****** credit report, which negatively affected his credit score.**** sued the creditor and the credit reporting agency, **********, alleging that the reporting of the account as past due was inaccurate and violated the Fair Credit Reporting Act (FCRA).
  The court agreed with ****, ruling that:
  The creditor had no right to continue reporting the account as past due after it had been charged off.
  The reporting of the account as past due was inaccurate and violated the FCRA"
  

  Resolution requested:

  Delete all late payments after December 10, 2019 on my Equifax, Experian and Transunion credit reports.
  

  Sincerely,
  
  ****** *******

  Business Response

  Date: 01/17/2025

  Please see attached bank response; enclosures have been forward to the customer.
  
  

• Initial Complaint

  Date:12/26/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is ***** ******* and my mother **** ******* is in ************************** in **********, ********. I am her daughter. I called Wells Fargo with my mother on the phone and they said in order for me to be put on her bank account to pay her bills that she had to come with me to a branch. She is laying in a hospital bed with covid. The customer service representative said he would transfer me to his boss and instead transferred me to a call center who told me the exact same thing. I need for someone - a real ***ager not a call center - to call me immediatley to get me on my mother's account. We provided the first *** with her information and he still said she had to come into the bank. He said there was "no other way to do it". I find that hard to believe. Why can't I sign paperwork and take it to the hopsital and have her sign it in front of a witness? The customer service for ********************** is non-existent.

  Business Response

  Date: 01/10/2025

  Please see the attached Bank response.