Checking or savings account -- Managing an account -- Complaint #13845716
Debit Card Issues with Wells Fargo Checking Account
Complaint Overview
Complaint ID: 13845716
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Illinois
ZIP Code: 61704
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The complaint was closed with an explanation, suggesting the issue was addressed or resolved by the bank, thus posing a low risk of further consumer harm.
Consumer Sentiment: neutral
Topics: Checking or savings account, Checking account, Managing an account, Problem using a debit or ATM card
AI Analysis
CFPB complaint 13845716 was filed against WELLS FARGO & COMPANY regarding Checking or savings account (Checking account), specifically about "Managing an account". A Wells Fargo customer in Illinois reported issues using their debit/ATM card on their checking account, and the complaint was closed with an explanation. The complaint was received on May 31, 2025 from Illinois. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers experiencing debit card issues should contact their bank immediately and document all interactions.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to banking services and electronic fund transfers.
Regulatory Insight
Banks must ensure their debit card systems are reliable and provide clear explanations for any transaction issues.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Illinois, and state-specific consumer protection laws may apply.
Industry Comparison
Debit card functionality issues are common across the banking industry, but prompt resolution is expected.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13845716 about?
CFPB complaint 13845716 involves Checking or savings account (Checking account). The consumer reported an issue with "Managing an account", specifically "Problem using a debit or ATM card". This complaint was filed against WELLS FARGO & COMPANY on May 31, 2025.
Which company is complaint 13845716 filed against?
Complaint 13845716 was filed against WELLS FARGO & COMPANY. You can view all complaints against this company on their profile page at /company/wells-fargo-company.
What was the company's response to complaint 13845716?
WELLS FARGO & COMPANY responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13845716 filed?
Complaint 13845716 was received by the CFPB on May 31, 2025. It was sent to WELLS FARGO & COMPANY on June 2, 2025.
What state was complaint 13845716 filed from?
Complaint 13845716 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 13845716?
Dispute information is not available for complaint 13845716.
What product category is complaint 13845716 about?
Complaint 13845716 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 13845716 submitted?
Complaint 13845716 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13845716?
This situation falls under consumer protection laws related to banking services and electronic fund transfers. This relates to a Checking or savings account complaint against WELLS FARGO & COMPANY involving "Managing an account".
How likely is complaint 13845716 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13845716?
This complaint is rated as low risk. The complaint was closed with an explanation, suggesting the issue was addressed or resolved by the bank, thus posing a low risk of further consumer harm.
What regulatory actions apply to complaint 13845716?
Banks must ensure their debit card systems are reliable and provide clear explanations for any transaction issues. The CFPB tracks complaints like this one to identify patterns of misconduct across the Checking or savings account industry.
What should the consumer do about complaint 13845716?
Consumers experiencing debit card issues should contact their bank immediately and document all interactions.
Are there state-specific protections for complaint 13845716?
The complaint originated in Illinois, and state-specific consumer protection laws may apply. This complaint was filed from Illinois.
How does complaint 13845716 compare to industry norms?
Debit card functionality issues are common across the banking industry, but prompt resolution is expected.
What specific explanation was provided by Wells Fargo for the debit card issue?
The provided data indicates the complaint was 'Closed with explanation' but does not detail the specific explanation given by Wells Fargo.
Were there any fees or financial losses incurred by the consumer due to the debit card problem?
The data does not specify if the consumer incurred any financial losses or fees as a result of the debit card issue.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.