Independent profile — not affiliated with Wells Fargo

Wells Fargo

Wells Fargo & Company is a San Francisco-based bank holding company whose principal subsidiary, Wells Fargo Bank, N.A., is a national bank. This page lists the bank's own dispute, fraud and complaint channels, the outside complaint routes, and the record of CFPB, OCC, Federal Reserve and Justice Department actions from 2016 to 2026, including which were later terminated. It also gives dated counts from the CFPB database, BBB and Trustpilot, the status of the McNamara settlement and the cash sweep class action, and 1,741 archive posts linked as Wells Fargo's own complaints.

COMPLAINTS1741
VERIFIED PHONE1-800-869-3557
LAST CHECKED2026-10-06
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

1741 complaints on USAComplaints, including 1 published in the last three years.

EDITORIAL

Complaint Themes

Mentions overdraft, insufficient-funds, NSF or other account fees (keyword match)Mentions a loan modification, foreclosure, escrow or mortgage servicing problem (keyword match)Mentions an auto loan, repossession or dealer financing problem (keyword match)Mentions fraud, unauthorized charges, identity theft or a frozen/closed account (keyword match)Mentions credit reporting or debt collection (keyword match)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB: 950 reviews, 6252 complaints
CFPB: 175763 complaints
Trustpilot: 1608 reviews,
VERIFIED

Contacts

VERIFIED

Locations

TypeAddress
Headquarters333 Market Street San Francisco CA 94105
EDITORIAL

Wells Fargo complaints and disputes: the bank's own channels and outside complaint routes (checked October 6, 2026)

This page starts with Wells Fargo's own published channels and the outside routes for a complaint, then lists the government actions and court cases on the record. All Wells Fargo pages below were opened on October 6, 2026. The posts on this site linked to this page were written mostly between 2005 and 2012, so the current channels come first.

Phone numbers by product. Wells Fargo's Contact Us page lists, among others: General Banking 1-800-869-3557 (24 hours a day, 7 days a week), which is also the number for a new or replacement debit card or a lost or stolen debit card; credit card Account Management 1-800-642-4720 (the page lists no hours for this number; it gives 24 hours a day, 7 days a week for the separate International Collect Calls number, 1-925-825-7600); Home Mortgage Customer Service 1-866-234-8271 (Mon-Fri 7 am-10 pm and Sat 8 am-2 pm Central Time); Auto Loans 1-800-289-8004 (Mon-Thu 7 am-10 pm, Fri 7 am-9 pm, Sat 7 am-5:30 pm Central Time).

Complaints to the company. The page "Share Your Wells Fargo Feedback, Compliments, or Complaints" says: "please share your feedback, compliments, or complaints so we can better serve you." It lists a phone line, 1-844-WF1-CARE (1-844-931-2273), open Mon-Fri 7 am-9 pm and Sat 7 am-9 pm Central Time, an in-person option at a banking location, and a link to the company's mailing addresses page.

Fraud and unauthorized transactions. The page "Report Fraud or Suspicious Activity" gives these routes: for personal checking or savings, debit or ATM card fraud, call 1-800-869-3557 (for Business Banking Accounts, 1-800-225-5935); for bill pay, Zelle, direct pay, online transfers, ExpressSend and digital wire transactions, "call 1-866-867-5568"; for a credit card, "contact us immediately by calling the number on the back of your credit or debit card"; if you clicked a suspicious link, shared one-time access codes or provided financial information, call 1-866-867-5568; if you did not respond to a suspicious message, forward it to [email protected].

Overdraft fees. Wells Fargo's "Fees Questions" page, as displayed on October 6, 2026, says: "Our overdraft fee for Business and Consumer checking accounts is $35 per item" and "We charge no more than three overdraft fees per business day for Consumer accounts and no more than four overdraft fees per business day for Business accounts." Its "Overdraft Services for Personal Accounts" page says: "If we pay an overdraft, we assess a fee of $35 per item paid into overdraft," "We do not assess fees for returned items or declined transactions," and "We will not charge an overdraft fee on items that are $10 or less." The account agreement and fee schedule for your own account control; read them before disputing a fee.

Dispute deadlines. This page did not verify a specific number of days for disputing a debit card, credit card or mortgage charge with Wells Fargo. The deadline for a given product is stated in the account agreement and on the statement, so check them and report a problem as soon as you see it.

Outside complaint routes. The CFPB complaint page says: "Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days." Wells Fargo Bank, N.A. is a national bank (the OCC and CFPB documents below name it that way), and the OCC's HelpWithMyBank.gov "provides information and assistance for customers of national banks and federal savings associations"; its Customer Assistance Group is 1-800-613-6743.

EDITORIAL

Government actions: CFPB, OCC, Federal Reserve, Justice Department and SEC, 2016 to 2026 (status as of October 6, 2026)

The CFPB, the OCC, the Federal Reserve Board, the Justice Department and the SEC have each taken actions involving Wells Fargo. Each item below is taken from the agency's own page or order, opened on October 6, 2026; dates and amounts are as the documents state them. Allegations in a lawsuit are not findings, and an administrative order's terms are quoted, not paraphrased into new claims.

  • September 8, 2016, CFPB order (docket 2016-CFPB-0015): the CFPB page says the Bureau "fined Wells Fargo Bank, N.A. $100 million for the widespread illegal practice of secretly opening unauthorized deposit and credit card accounts" and that "according to the bank's own analysis, employees opened more than two million deposit and credit card accounts that may not have been authorized by consumers"; the bank also agreed to pay a $35 million penalty to the OCC and $50 million to the City and County of Los Angeles. The CFPB page lists the action's status as "Expired/Terminated/Dismissed".
  • April 20, 2018, CFPB order (docket 2018-BCFP-0001), issued in a coordinated action with the OCC: the CFPB page says Wells Fargo "violated the Consumer Financial Protection Act of 2010 (CFPA) in the way it administered a mandatory insurance program related to its auto loans" and in how it charged certain borrowers for mortgage interest rate-lock extensions; "The order also imposes a $1 billion penalty against the bank, $500 million of which will be remitted to the OCC." The page says the order was modified on December 20, 2022, and lists its status as "Expired/Terminated/Dismissed".
  • December 20, 2022, CFPB order (docket 2022-CFPB-0011): the CFPB page says the Bureau "identified multiple violations across several of the bank's largest consumer product lines", including, for auto loan servicing, "incorrectly applying consumer payments" and "wrongly repossessing borrowers' vehicles"; for mortgages, "improperly denying mortgage loan modifications"; for deposit accounts, freezing accounts in suspected-fraud cases when lesser restraints were available, "deceptive claims as to the availability of waivers of monthly service fees", and charging overdraft fees "even if the consumer had enough funds available in their account to cover the amount of the transaction at the time they made it". "The order required Wells Fargo to come into compliance with federal consumer financial law, pay more than $2 billion in consumer redress, and to pay a $1.7 billion penalty." The page lists the status as "Expired/Terminated/Dismissed" (page last modified January 28, 2025); this page did not locate a separate termination document.
  • February 21, 2020, Justice Department and SEC resolution: the U.S. Attorney's Office press release says Wells Fargo & Company and Wells Fargo Bank, N.A. agreed to pay $3 billion to resolve potential criminal and civil liability over a practice "between 2002 and 2016" of pressuring employees to meet sales goals that led thousands of employees to open accounts or products without consent; it says Wells Fargo "admitted that it collected millions of dollars in fees and interest to which the Company was not entitled"; the criminal matter was resolved by a deferred prosecution agreement with a three-year term, the civil claims by a FIRREA settlement, and the SEC matter by a cease-and-desist proceeding; the release says the payment "includes a $500 million civil penalty to be distributed by the SEC to investors".
  • OCC consent orders: OCC order AA-ENF-2025-13 (signed February 13, 2025) terminates the "Consent Order against the Bank dated April 20, 2018, AA-EC-2018-15"; OCC order AA-ENF-2025-19 (signed March 17, 2025) terminates a "Consent Order against the Bank dated September 9, 2021, AA-ENF-2021-29". Wells Fargo's February 2025 news release says: "This is the tenth consent order closed by Wells Fargo's regulators since 2019" (a company statement).
  • Federal Reserve Board, 2018 enforcement action: on June 3, 2025 the Board announced that Wells Fargo "is no longer subject to the asset growth restriction" and said the other provisions of the 2018 action "will remain in place until the bank satisfies the requirements for their termination"; on March 5, 2026 the Board announced "the termination of its 2018 enforcement action against Wells Fargo", saying the bank "had met all required conditions". Wells Fargo issued a news release on March 5, 2026 titled "Wells Fargo 2018 Federal Reserve Consent Order Terminated".
  • OCC Formal Agreement, September 12, 2024 (news release 2024-99): the OCC "entered into a Formal Agreement with Wells Fargo Bank, N.A." identifying "deficiencies relating to the bank's financial crimes risk management practices and anti-money laundering internal controls". Wells Fargo's Form 10-Q for the quarter ended June 30, 2026 still describes anti-money-laundering and sanctions inquiries and this agreement under 'Legal Actions'; no termination of the agreement was identified in the sources checked on October 6, 2026.

The same 10-Q says government agencies are conducting inquiries about fair access to banking, including under Executive Order 14331, and that the Justice Department and the SEC closed their hiring-practices investigations "without taking action". This section covers orders about bank operations; enforcement actions against former individual executives are not covered here.

EDITORIAL

Company background

Wells Fargo & Company is a Delaware corporation and a financial holding company and bank holding company, with principal executive offices at 333 Market Street, San Francisco, California 94105 (Form 10-K for 2025, filed February 24, 2026). Its principal subsidiary is Wells Fargo Bank, N.A. ("the Bank"), which the 10-K says held assets of $1.8 trillion, or 85% of the company's assets, at December 31, 2025; the company reported approximately $2.1 trillion in assets and about 205,000 active employees, and four reportable segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management. The OCC and CFPB documents above name the bank as Wells Fargo Bank, N.A., Sioux Falls, South Dakota, and the CFPB describes it as a national bank.

Wells Fargo's consumer products include checking and savings accounts, credit and debit cards, and home, auto, personal and small business lending (10-K, Item 1). Its contact page says deposit products are offered by Wells Fargo Bank, N.A., Member FDIC, and that Wells Fargo Advisors is a trade name used by two broker-dealers that are non-bank affiliates of Wells Fargo & Company. BBB's profile lists a business start of 1852 (raw page data), and lists Wachovia, Wells Fargo Financial, Wells Fargo Dealer Services, Wells Fargo Card Services and Wells Fargo Merchant Services as alternate names.

Posts on this site about Wachovia Bank and about America's Servicing Company are treated separately from posts that name Wells Fargo: they are linked to this page as related names, not as Wells Fargo's own complaints (see the complaint record below).

EDITORIAL

Complaint record: USAComplaints posts, CFPB database, BBB and Trustpilot (as displayed October 6, 2026)

Posts on this site. 1,741 posts on USAComplaints.com name Wells Fargo or one of its named units (for example Wells Fargo Home Mortgage, Wells Fargo Auto Finance, Wells Fargo Dealer Services, Wells Fargo Financial) in the offender field and are linked to this page as its own complaints; 1,542 of them are dated 2005 through 2012, 332 are dated 2008, and 2 are dated 2014 or later. A further 741 posts naming Wachovia Bank or First Union and 70 posts naming America's Servicing Company whose text also names Wells Fargo are linked as related, not counted as Wells Fargo's own. These are unverified statements by their authors; Wells Fargo's responses to them are not part of the posts.

What these posts mention (keyword matches, not findings). Among the 1,741 own posts: 776 mention overdraft, insufficient-funds, NSF or other account fees; 617 mention a loan modification, foreclosure, escrow or mortgage servicing problem; 265 mention an auto loan, repossession or dealer financing problem; 310 mention fraud, unauthorized charges, identity theft or a frozen/closed account; 275 mention credit reporting or debt collection.

CFPB Consumer Complaint Database, as queried on October 6, 2026. For the company name "WELLS FARGO & COMPANY" the database returned 175,763 complaints received from December 1, 2011 to September 29, 2026, of which 22,560 were received since October 6, 2025. The most common product categories shown were Mortgage (49,822), Checking or savings account (48,818), Bank account or service (13,325), Credit card (12,435), Credit reporting or other personal consumer reports (9,507), Debt collection (8,076), Credit reporting, credit repair services, or other personal consumer reports (7,888) and Money transfer, virtual currency, or money service (7,752). Company responses recorded: Closed with explanation 139,443; Closed with non-monetary relief 17,635; Closed with monetary relief 14,634; Closed without relief 2,817; In progress 558; Closed 348; Closed with relief 324; Untimely response 4. Timely response: yes 171,951, no 3,812. The CFPB does not verify the facts in each complaint, and the database lists complaints, not findings.

BBB, as displayed on October 6, 2026. BBB's profile for Wells Fargo (420 Montgomery St, San Francisco) says Wells Fargo "is NOT a BBB Accredited Business", shows a BBB rating of C- with the reason "Failure to respond to 14 complaint(s) filed against business", and shows 6,252 total complaints in the last 3 years and 1,859 complaints closed in the last 12 months. Its reviews data shows an average of 1.11 stars across 950 customer reviews; BBB says reviews are not used in the letter grade. BBB lists a business-started date of 1852-01-01, a file-opened date of 1978-11-09 and an incorporation date of 1999-04-14 in its page data. BBB's rating and counts describe BBB's own file, are not a finding about any individual complaint, and are not combined here with any other number.

Trustpilot, as displayed on October 6, 2026. The page for www.wellsfargo.com shows 1.2 from 1,608 reviews (244 in the last 12 months) and a claimed profile; Trustpilot's notice says the company "hasn't invited customers recently, so reviews may not be representative". Trustpilot says it does not fact-check reviews.

The counts above come from separate sources that count different things (posts on this site, CFPB complaints, BBB complaints, Trustpilot reviews) and are not added together.

EDITORIAL

Lawsuits and settlements: status as of October 6, 2026

Status is taken from the dockets and settlement websites opened on October 6, 2026, and from Wells Fargo's Form 10-Q for the quarter ended June 30, 2026, which says the high end of the range of reasonably possible losses in excess of accruals was approximately $1.5 billion as of June 30, 2026 and that the company believes outcomes will not have a material adverse effect on its consolidated financial condition.

  • McNamara v. Wells Fargo Bank, N.A., et al. (S.D. Cal. No. 3:21-cv-1245, consolidated with McCraner v. Wells Fargo & Co.): the settlement website describes a $33 million global settlement of consolidated suits alleging that Wells Fargo & Company and Wells Fargo Bank, N.A. assisted entities that "misled consumers into monthly subscriptions and products" by opening bank accounts and transferring funds; it states that the defendants "deny all claims and deny any wrongdoing or liability". The docket shows a preliminary approval order signed November 4, 2025 and an order signed March 26, 2026 granting the motions for approval of the class settlement and for attorney fees, with a judgment entry. The claim, opt-out and objection deadlines (March 4 and March 5, 2026) have passed.
  • In re Wells Fargo Cash Sweep Litigation (N.D. Cal. No. 3:24-cv-04616): the 10-Q says putative class actions allege that the company "breached its fiduciary duties or agreements with regard to rates paid to investment advisory clients in its cash sweep program" and that they are consolidated in the Northern District of California. The docket shows an order docketed July 28, 2026 denying plaintiffs' motion for leave to file a motion for reconsideration and/or clarification, a "Renewed Motion for Class Certification" filed August 28, 2026, and entries through September 25, 2026; no ruling on that motion, judgment or settlement was seen in the entries read.
  • Consumer Financial Protection Bureau v. Early Warning Services, LLC, et al. (D. Ariz. No. CV-24-03652-PHX-SMB): the CFPB page says that on December 20, 2024 the Bureau filed a lawsuit against Early Warning Services, Bank of America, JPMorgan Chase Bank and Wells Fargo Bank, N.A. alleging the defendants violated the Consumer Financial Protection Act's prohibition on unfair acts or practices and that the banks violated the Electronic Fund Transfer Act and Regulation E; on March 4, 2025 the Bureau filed a notice voluntarily dismissing the action against all defendants with prejudice, and the court dismissed the case with prejudice on March 5, 2025.
  • Home mortgage discrimination litigation (N.D. Cal.): the 10-Q says plaintiffs proposing to represent a class of mortgage applicants and customers allege disparate treatment and disparate impact against minority applicants; that the district court denied class certification in August 2025; and that plaintiffs' interlocutory appeal was denied in January 2026. This page did not open the docket.
  • Securities class action over hiring-practices statements (N.D. Cal.): the 10-Q says that on May 21, 2026 the court granted final approval of an agreement under which the company agreed to pay $85 million to resolve the securities fraud class action, which concerns statements to investors, not bank customers' accounts.

This page did not search for every open consumer class-action claim deadline against Wells Fargo or its units; the settlement websites of any case that affects you state their own deadlines. Cases brought by merchants over card interchange fees and a trust-administration case brought by beneficiaries of a minor's trust appear in the 10-Q but are not summarized here.

EDITORIAL

Is Wells Fargo Legitimate?

Wells Fargo & Company is an SEC-registered public company (NYSE: WFC) whose Form 10-K for 2025 was filed on February 24, 2026, and Wells Fargo Bank, N.A. is a national bank that offers deposit products as a Member FDIC. The company has been the subject of the government actions and court cases listed above, and several of the older orders have since been terminated by the agencies that issued them. This page applies no rating or verdict; the dated counts and documents above are the record.

PUBLIC RECORD

Court & Public Records

CaseAuthorityDatesTypeOutcomeSource
McNamara v. Wells Fargo Bank, N.A., et al. (consolidated with McCraner v. Wells Fargo & Co., et al.)
Docket Case No. 3:21-cv-1245-TWR-DDL		U.S. District Court, S.D. California
SettledSettled

Consolidated consumer class action and receiver action over a $33 million global settlement; the settlement website says the defendants "deny all claims and deny any wrongdoing or liability". The docket shows an order signed March 26, 2026 granting the motions for approval of the class settlement and for attorney fees, with a judgment entry; claim, opt-out and objection deadlines in March 2026 have passed.

Source
In re Wells Fargo Cash Sweep Litigation
Docket Case No. 3:24-cv-04616		U.S. District Court, N.D. CaliforniaFiledFiled — no final outcome recorded

Putative class actions alleging breach of fiduciary duties or agreements over rates paid to investment advisory clients in the cash sweep program (Form 10-Q, June 30, 2026). The docket shows a renewed class certification motion filed August 28, 2026 and entries through September 25, 2026; no judgment or settlement appeared in the entries read.

Source
Consumer Financial Protection Bureau v. Early Warning Services, LLC, et al. (Zelle)
Docket Case No. CV-24-03652-PHX-SMB		U.S. District Court, D. Arizona
DismissedDismissed

The CFPB sued Early Warning Services, Bank of America, JPMorgan Chase Bank and Wells Fargo Bank, N.A.; on March 4, 2025 the Bureau filed a notice dismissing the action against all defendants with prejudice and the court dismissed the case with prejudice on March 5, 2025.

Source
Henzel, et al. v. Wells Fargo Bank, N.A., et al.
Docket Case No. 2:22-cv-00529		U.S. District Court, D. Nevada
FiledFiled — no final outcome recorded

The Justia docket lists five individual plaintiffs and several defendants, among them Jeffrey Judd, J&J Consulting Services, Inc., J&J Purchasing, LLC, Matthew Beasley, Beasley Law Group PC and Wells Fargo Bank, N.A., with nature of suit "Fraud". Justia's entry for the order signed July 9, 2026 reads "Order Granting 286 Preliminary Approval of Class Action Settlement and Providing for Notice." Preliminary approval is not a final approval or a finding about any party's liability; the order's text, the settlement amount and the parties to the settlement were not read on this page, and the final approval status was not confirmed on 2026-10-06.

Source
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

VERIFIED

Company Relationships

  • Affiliated with: Wells Fargo Bank, N.A.
  • Affiliated with: Wells Fargo Advisors
  • Affiliated with: Wachovia
EDITORIAL

Frequently Asked Questions

How do I report fraud or an unauthorized transaction to Wells Fargo?

Wells Fargo's page "Report Fraud or Suspicious Activity" lists 1-800-869-3557 for personal checking or savings, debit or ATM card fraud, 1-866-867-5568 for bill pay, Zelle, direct pay, online transfers, ExpressSend and digital wire transactions, and for a credit card the number on the back of the card. For questions about open card claims, the same page lists a debit card claim status line, 1-800-548-9554, and a credit card claim status line, 1-800-423-7618, Monday-Friday 7:00 a.m.-12:00 a.m. EST. Suspicious emails or texts that you did not respond to can be forwarded to [email protected].

Where can I file a complaint about Wells Fargo?

Wells Fargo's feedback page lists a phone line, 1-844-WF1-CARE (1-844-931-2273), Mon-Fri and Sat 7 am-9 pm Central Time, and in-person options. Outside routes include the CFPB complaint portal (the CFPB page says companies generally respond in 15 days and may provide a final response in 60 days) and the OCC's Customer Assistance Group at 1-800-613-6743 for customers of national banks such as Wells Fargo Bank, N.A.

What phone numbers does Wells Fargo publish for mortgage, auto and credit card questions?

The Contact Us page lists Home Mortgage Customer Service 1-866-234-8271 (Mon-Fri 7 am-10 pm, Sat 8 am-2 pm Central Time), Auto Loans 1-800-289-8004, credit card Account Management 1-800-642-4720 (no hours listed on the page) and General Banking 1-800-869-3557 (24/7), as displayed on October 6, 2026.

What overdraft fee does Wells Fargo state?

Wells Fargo's "Fees Questions" page, as displayed on October 6, 2026, says its overdraft fee for Business and Consumer checking accounts is $35 per item, with no more than three overdraft fees per business day for Consumer accounts and no more than four for Business accounts. Its personal-accounts overdraft page adds that it does not assess fees for returned items or declined transactions and will not charge an overdraft fee on items that are $10 or less. The account agreement for your account controls. The CFPB's December 2022 order summary also describes overdraft fees charged when the consumer had enough funds available at the time of the transaction as one of the practices it identified.

What did the 2016 and 2020 government actions about unauthorized accounts say?

The CFPB's September 8, 2016 order page says employees opened more than two million deposit and credit card accounts that "may not have been authorized by consumers" according to the bank's own analysis, with a $100 million fine. The February 21, 2020 Justice Department press release says Wells Fargo agreed to pay $3 billion to resolve criminal and civil liability over a practice from 2002 to 2016 and "admitted that it collected millions of dollars in fees and interest to which the Company was not entitled".

Is there a Wells Fargo class action settlement I can still claim from?

The McNamara v. Wells Fargo settlement ($33 million, subscription-related account claims) had a claim deadline of March 4, 2026 and the court granted approval on March 26, 2026, so its deadlines have passed. The cash sweep class action over advisory-account cash sweep rates is pending, with a renewed class certification motion filed August 28, 2026. This page did not search every settlement website for other open deadlines.

What do the CFPB, BBB and Trustpilot show about Wells Fargo?

The CFPB database, BBB profile and Trustpilot page each show their own counts as displayed on October 6, 2026; the complaint record section above lists them in one place with dates. They measure different things, are not added together, and none is a finding about an individual complaint.

How does this page treat posts about Wachovia and America's Servicing Company?

BBB lists Wachovia as an alternate name for Wells Fargo. Posts naming Wachovia, First Union, or America's Servicing Company with Wells Fargo named in the text are linked to this page as related posts, not counted as Wells Fargo's own complaints, because this page did not find a primary source describing America's Servicing Company's relationship to Wells Fargo.