Business Profile

Bank

Wells Fargo

Headquarters

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Important information

Customer Complaint:
Wells Fargo came to BBB’s attention in November 1978. A
review of complaints was completed in July 2025.

Consumers are urged to review the following links for
information on account security.

www.wellsfargo.com/privacy-security/fraud/report/
www.wellsfargo.com/privacy-security/fraud/articles/data-breach-security/

Complaints

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

Customer Complaints Summary

6,512 total complaints in the last 3 years.
2,203 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:12/19/2022
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 a state program participant with an address confidentiality program as a survivor of persistent stalking & domestic violence. I have an alternative address provided to me that I am allowed to use on my driver's license. I also work as a travel worker, so I am frequently out of state for work.I have been a prior Wells Fargo customer with a bank account where I provided my physical address so they can have it on file and I provide my driver's license which has my WA ACP state provided address on my DL. This is also how all 6+ of my other current banks provide banking services to state ACP particip. I applied for a WF credit card. Wells Fargo stated I had until 12/14/22 to send my verifi info. I faxed all info 12/13/22 w/ phone number provided to me by WF customer service. I provided front/back image of ************* & my state WA state ACP *************** provided my physical address required by DHS.WF declined my credit card applic, despite my credit being sufficient, my having prov 2 current valid gov ** prov by deadline.Now I have an inquiry for applying for WF card that did not prov info about declining ACP particip & due to WF rule declining valid ACP participation after 1 year into program.Denying financial opportunities for survivors of DV & sexual assault that meet all requirements is dangerous for ******************* disadvantaged minorities ******************* Americans. Wells Fargo also did not provide declination parameters for state ACP in terms of service for application or in its card info. WF custom serv I called state they reject State ACP state protection was not applied for in past year. State ACP particip is provided for 4 years - survivors do not reapply for their ACP every year. According to WF rule, if a survivor is over 1 year into state ACP partic, WF does not accept ** verifcation. NONE of this is covered in TOS for WF credit applic & was not required when WF me banking services with them in person as a state ACP particip.
Business Response
Date: 12/23/2022
Please see the attached business response.
Customer Answer
Date: 12/23/2022

Complaint: 18609272

I am rejecting this response because: you clearly did not read my complaint, at all.
I verified my identification in full exactly how your customer service representative stated that a state Address Confidentiality Program participant is supposed to verify their ID.
I was told by a Wells Fargo customer service representative to turn in my driver's license, my **************** Address Confidentiality Program card, my explanation for my physical address and my physical address by 12/14/22.
I provided everything described above by 12/13/22.
The **************** for your credit card did not state any other requirements for victims of domestic violence/stalking/sexual assault whom are valid state address confidentiality program participants, at all.
Also, as I stated before, your customer service told me everything that I needed to turn in - and I did by the date required.
The vast majority of participants in state address confidentiality programs are hispanic and African American and victims of domestic violence/stalking/felony harassment and sexual assault deserve to have financial opportunities and your Terms of Service for your credit cards do not at all outline how state ACP participants can access your financial opportunities, your customer service representatives are not accurately educated on how to assist state Address Confidentiality Program participants on accessing your financial options, when I was banking with Wells Fargo in the past - all of what I provided for this current credit card was accepted with Wells Fargo for a checking and savings account and its clear that your lying.

Since your Terms of Service for your credit card application did not cover any of this and your answer does not address any of the information I provided, I expect for my credit inquiry to be removed for your credit card because if any of this information had been provided in the Terms of Service I would not have applied for your credit card and would not have a credit inquiry for a denial despite my providing everything that was requested of my by the required date and is everything I have provided to bank with Wells Fargo in the past and with all of my other current banks without a single issue.

Sincerely,

*******************
Business Response
Date: 01/12/2023
Please see the attached Bank response.
Customer Answer
Date: 01/12/2023

Complaint: 18609272

I am rejecting this response because: I provided everything requested of me by the date required according to how the customer service agents at ********************** told me to respond.
All information I provided was sufficient for opening my Wells Fargo account in the past as an **************** Address Confidentiality Program participant in the past and all the information I provided to Wells Fargo has been sufficient for every other bank account I have opened in the past and currently.
None of the current conditions that Wells Fargo has currently stated as reason for declining my credit card application were covered in the Terms of Service for the credit card I applied for.
I have sustained a hard inquiry to my credit report due to Wells Fargo not accurately addressing their requirements for State Address Confidentiality program participants in their Terms of Service for their credit cards nor in their written responses nor in their responses.
Wells Fargo policies and Terms of Service not providing clear and effective policies for State Address Confidentiality Program participants as victims of significant domestic violence, stalking and sexual assault.

Sincerely,

*******************
Business Response
Date: 01/18/2023
Please see the attached Bank response.
Initial Complaint
Date:12/19/2022
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.
Recently there have been fraudulent activities taking place on my account. I was proven that it was and I asked for Wells Fargo customer service to block the account so that it doesn't happen again. The following week or so, the account had so many transactions in another state that I do not live in nor was at during the time. I believe I was working with *****, which he was a great help and was able to reverse most of the transactions, but recently I was working with **************, and I'm assuming due to the holidays, she did not do a thorough research or read the notes that was noted on the account. I was told that the main transaction was denied but not provided with the reason why. I'm not understanding why would a claim be denied for something that was a fraud taking place and out of my control due to Wells Fargo **************** not doing their part of me asking to block the account. I was told that the transaction should be reverse and yet it has not and its been a few months since.
Business Response
Date: 01/03/2023
Please see the attached Bank response.
Initial Complaint
Date:12/19/2022
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 have had a loan with Wells Fargo now for a little over seven months their responsibility and their obligation is to report my loan the balance and the payments to the credit bureaus every month that is what their obligation is to do they are to report this loan the account every single month they however do not report it they refused to report it and this is not acceptable this is their obligation to report it they are supposed to do it I don't know if it's a law but it's supposed to be done and when I contact them about it they tell me they are reporting it but the last time it's been reported was ***** of 2022 and I have verified this with all three credit bureaus also for some reason they have removed my linked bank account from my auto loan account and I can no longer make payments to them I've asked them about it and they don't seem to understand what I'm talking about my complaint is they are not doing their job and they're making it impossible for me to make a payment I've never been delinquent I've never been late on anything in my life but I'm having a hard time justifying paying them anymore please tell them to do their job and to report my account or they will see no more money from me
Business Response
Date: 12/27/2022
Please see the attached Bank response.
Initial Complaint
Date:12/19/2022
Type:Billing 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.
On 12/16/22 I received several alerts from the credit bureaus of a late payment with my ********* account. I contacted ********* to inquire and they advised me I was more than 30 days late on a payment. I advised them I never received the bill and they stated the bill was returned to them as well. I informed them I moved and updated my address with all creditors and also had a forwarding address for all mail which was effective 9/26/22. I also advised them I have confirmation from **** of my forwarding address for them to review. Since I never made a late payment and have been with ********* for more than 12 years the representative was going to put a dispute in to their credit department to see if the alert to the 3 credit bureaus could be lifted. She advised me there was no guarantee. They waived 2 fees as they saw the mail was returned. I'm requesting a expeditious investigation as I'm closing on a house and have exceptional credit and now this 1 time late report caused my credit score to drop by 100 points. I explained this to the ********* representative in detail. I also filed a dispute with all 3 credit bureaus as this could impact my closing in a major way. I'm scheduled to close next week and for more than 2 decades I have worked very hard to maintain exceptional credit. PLEASE HELP!
Business Response
Date: 12/22/2022
Please see the attached Bank response.
Customer Answer
Date: 12/23/2022
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,

******* (*****) ******
Initial Complaint
Date:12/19/2022
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 VERY DISTURBED AND UPSET WITH wfhm HAS NOT RESPONDED BACK TO ME I SENT A LETTER REQUESTING THE ***** OF CONTRACT. I NEED THESE ACCOUNTS DELETED FROM MY CREDIT REPORT THEY VIOLATING MY RIGHTS
Business Response
Date: 12/28/2022
Please see the attached response to your inquiry.
Initial Complaint
Date:12/19/2022
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 not aware of this account. I have reached out to Experian Credit Bureau, and with WF CRD SVC to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from Experian Credit Bureau. Thus, I am reaching out to seek assistance to have WF CRD SVC confirm that I have no account with them and that the Experian Credit Bureau can simply remove it from my credit report.
Business Response
Date: 01/03/2023
Please see the attached Bank response.
Initial Complaint
Date:12/18/2022
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.
I used Zelle to send $83.78 to an email address - however, assumedly a hacker had gotten access to the Zelle email and attached to their bank account. I filed claim ********* but Wells Fargo responded that they delivered the money to the bank associated with the phone number and closed my claim. I already knew that - that is why I was filing the claim - because supporting hackers and not researching fraud is not moral. I reached out to Zelle and they just sent me back to Wells Fargo. Wells Fargo, do the right thing and determine how ***** allowed money to be sent to the wrong bank account. Someone was able to attach their bank account to another person's email and this is FRAUD.
Business Response
Date: 12/29/2022
Please see the attached Bank response.
Initial Complaint
Date:12/18/2022
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.
On 12/14/22 I deposited a cashier check from Navy Federal through the **** It said it would be available on 12/15/22. I then received an alert at 3:00 am from Wells Fargo saying that it could not be verified and I would need to contact the bank. I contacted the bank and they informed me that the check cannot be verified but did not give me a reason why the check was not able to be verified and told me that I need to contact Navy Federal. I started posting about the incident on social media and then I received a call from Wells Fargo stating that they were contacting me because I had posted on social media. I told them that I contacted Navy Federal which I did and navy federal need to know what if they need to know in order to verify the check because Navy Federal verify the check with the serial number that was on the check. Navy federal offered to do a conference call and when I tried to conference them in, they declined. So I called them back and I asked him again. What do you need in order for navy federal to verify the check they were unable to give me any information on what navy federal needed. They stated that they were only calling me because I was posting fraudulent information on the web and they wanted to make sure that I was helped.. they stated that they would not run the check again until December 23 and if they could not verify the check, then it will be returned to me within 7 to 10 business days. And Im still asking them. What do they need to verify the check and they cannot give me the information. They dont even tell me why the check cannot be verified. Ill check to see why they were hold a check and none of those reasons apply to me.
Business Response
Date: 12/19/2022
Hello,
We have received your complaint under BBB ********. We will respond to this complaint under duplicate complaint, BBB ******.
Thank you.
Customer Answer
Date: 12/20/2022

Complaint: 18606080
U
I am rejecting this response because: I received a call and the business stated that they are still unable to tell me why the cashier check can not be verified or what I need from Navy Federal for verification.

Sincerely,

***********************
Business Response
Date: 12/23/2022
Please see the attached bank response.
Initial Complaint
Date:12/18/2022
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 recently received an erroneous direct deposit from a former employer as part of a financial legal settlement. In order to correct the error I needed to send the funds back. This was a time sensitive issue. Initially I tried to procure s cashiers checks however after receiving three separate answers from Wells Fargo staff I confirmed with my and the companys lawyer I could send a wire transfer. Using the online portal I followed all the steps to complete the transaction including several authentication steps and received confirmation it was being processed which I then screenshot and sent to my lawyer for confirmation. I later that evening found that my account had been locked and the transfer flagged for fraud. I immediately called in and explained that not only had I sent the wire but I'd completed several authentication factors to don't and received confirmation. At that time I relayed that this was a time sensitive matter because if not completed in time would increase my tax liability for the following year by nearly 34K. I was told that because it was my first time and it was a large amount it was flagged. I was told this was common practice. I asked why if it was common practice why wasn't it noted anywhere so I could get ahead of it being flagged. She said she agreed and didn't understand why this wasn't noted. She indicated it would take 24/48 hours for someone to contact me to resolve it and restore my ability to use online banking. On Friday, I then received a notice that it would be resolved in 10 business days. I called back again and gave again the details and was toldnit was being worked on. As of today I still don't have access and was given the run around by the fraud team again despite offering documents to prove my statements.
Customer Answer
Date: 12/20/2022
From: ***************************** <************************>

Hello,

Just an update that I got a call last night from a rep at Wells Fargo. In the middle of the call I told him there was no point in the transfer going forward as I'd missed the deadline. 10 minutes later while still on the phone, I got a message the transfer was canceled. I asked him if he canceled it and he said he hadn't. He said that I would potentially not have access to my account for up to the 30th of December making it potentially 15 days. I told Him that was unacceptable.

TH

Business Response
Date: 12/28/2022
Please see the attached Bank response.
Customer Answer
Date: 12/28/2022

Complaint: 18605725

I am rejecting this response because: Wells Fargo indicated Case *********- The case was to verify the Online Wire Transfer for $12,480.14. The case was closed as
it was advised to you on December 15, 2022, that you would need to have the Online Wire verified at the
branch with photo identification.

This is a complete fabrication. At no point in my call did anyone indicate I needed to go to the bank. I was told at that time someone would call me within ***** hours. It was not until December 23rd when I threatened to close my account that I got the reason the account was flagged. ******** up until that point kept saying I messed up then said the Fraudt team said my location was the reason my wire was not allowed to go through. This was on the 23rd he said this. The fraud team then directly contradicted this which was another blatant lie. Ultimately I spent HOURS of my time trying to rectify this issue for them to send these lies saying they told me information that they did not.

I would like someone to directly respond to my concerns, as well as return the cost for my time and wire transfer fees.

Sincerely,

*****************************
Business Response
Date: 01/09/2023
Please see the attached Bank response.
Initial Complaint
Date:12/17/2022
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.
So on 12/16/2022 while trying to purchase a online item with my business card it was declined and so i called wells fargo to see what was going they first hung up in my face so i called back then and they told me that a approve transaction in which was paid on my account is why they turned my card off reported it stolen and put fraud on the account. Then they were shipping me a card in 5 to 7 business days. I then went to tell them that i did not call to ask for a new card and how can they go on my business account and just do commands without my consent. They then started talking to me very rudely and then told me i was not listening. i went on to explain to her that I am the business owner and no way should she talk to me like she was or even disrespect me or even talk over me. She then order my card today 12/17/2022 and stated that it should be here today.
Business Response
Date: 12/22/2022
Please see attached business response.

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Wells Fargo is NOT a BBB Accredited Business.