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Wells Fargo Reviews & Complaints

Wells Fargo & Company is a San Francisco-based bank holding company whose principal subsidiary, Wells Fargo Bank, N.A., is a national bank supervised by the OCC. Here you will find the bank's own fraud, dispute and complaint lines, the federal routes for escalating a complaint, the CFPB, OCC, Federal Reserve and Justice Department actions since 2016 and which of them have ended, the status of recent class action settlements, and complaint and review figures from the CFPB, BBB and Trustpilot. 1,632 published complaint reports are linked to this profile.

REVIEWS & COMPLAINTS1,632on USAComplaints · 1 in last 3 yrs
WEBSITEwellsfargo.com
HEADQUARTERSSan Francisco, CA
PROFILE CHECKED2026-10-27
Submit a Complaint Read reviews & complaints ↓ Official website ↗
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Contacts

Customer service & general contact

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Customer service & general contact (continued)

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VERIFIED

Locations

  • Headquarters333 Market Street San Francisco CA 94105
EDITORIAL

Wells Fargo complaints and disputes: who to call, deadlines and where to escalate

Fraud or an unauthorized transaction: call first. For personal checking or savings, debit card or ATM card fraud, identity theft or a lost or stolen debit card, call 1-800-869-3557, which is answered 24 hours a day; for business banking accounts, 1-800-225-5935. For fraud involving bill pay, Zelle, direct pay, online transfers, ExpressSend or digital wires, or if you clicked a suspicious link, shared a one-time access code or gave out financial information, call 1-866-867-5568. For a credit card claim, call the number on the back of the card. If you did not respond to a suspicious email or text, forward it to [email protected]. To follow up on an open claim: debit card claim status 1-800-548-9554, credit card claim status 1-800-423-7618, both Monday to Friday 7 am to midnight Eastern Time.

Phone numbers by product. Credit card account management 1-800-642-4720; home mortgage customer service 1-866-234-8271, Monday to Friday 7 am to 10 pm and Saturday 8 am to 2 pm Central Time; auto loans 1-800-289-8004, Monday to Thursday 7 am to 10 pm, Friday 7 am to 9 pm and Saturday 7 am to 5:30 pm Central Time; general banking 1-800-869-3557, 24/7.

Complaints to the bank. Wells Fargo takes complaints by phone at 1-844-WF1-CARE (1-844-931-2273), Monday to Saturday 7 am to 9 pm Central Time, in person at any branch, and by mail to the product addresses at wellsfargo.com/help/addresses (for checking and savings accounts: Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995). Send written complaints and disputes by a trackable method such as certified mail and keep a copy. Give your account type, the dates and amounts involved, what you have already been told, and the outcome you want, and keep a record of every call: date, time and the name or ID of the person you spoke to.

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Deadlines set by federal law. For checking and savings accounts, debit cards, ATM withdrawals and other electronic transfers, the Electronic Fund Transfer Act and Regulation E apply. Report an error or an unauthorized transfer within 60 days after the statement showing it was sent; if your debit card or PIN was lost or stolen, telling the bank within two business days limits your liability to $50, and waiting longer can raise it to $500 or, after 60 days, leave you liable for later unauthorized transfers. For a credit card billing error, the Fair Credit Billing Act requires a written dispute that reaches the card issuer, at the billing-error address printed on your statement, within 60 days after the first statement showing the charge was sent. For a mortgage servicing error, send a written notice of error to the address Wells Fargo designates for it: Wells Fargo Home Mortgage, P.O. Box 10335, Des Moines, IA 50306-0335 (the same address applies to home equity accounts); under the federal mortgage servicing rules the servicer must acknowledge it within 5 business days and generally resolve it within 30 business days.

Overdraft fees. Wells Fargo charges $35 for each item it pays into overdraft, at most three overdraft fees per business day on consumer accounts and four on business accounts. It charges no fee for returned or declined items, no overdraft fee on items of $10 or less, and none if both your ending daily balance and available balance are overdrawn by $10 or less after all transactions are processed. You can also avoid the fee with a covering deposit or transfer before the cut-off time on the day you overdraw, and the Extra Day Grace Period gives one more business day: if your available balance is positive as of midnight Eastern Time at the end of that day, the related overdraft fees are waived. The fee schedule and deposit account agreement for your own account are the binding terms.

If the bank does not resolve it. File a complaint with the CFPB at consumerfinance.gov/complaint or by phone at (855) 411-2372; the CFPB forwards it to Wells Fargo, and most companies respond within 15 days, with a final response within 60 days in some cases. Because Wells Fargo Bank, N.A. is a national bank, the OCC's Customer Assistance Group at HelpWithMyBank.gov, 1-800-613-6743, Monday to Friday 7 am to 7 pm Central Time, also takes complaints. You can also complain to your state attorney general's consumer protection office or to BBB. If someone tricked you into sending them money, report it to the FTC at ReportFraud.ftc.gov as well as to the bank.

EDITORIAL

Company Information

Legal name
Wells Fargo & Company
Business type
Bank holding company (San Francisco, CA; NYSE: WFC) whose principal subsidiary is Wells Fargo Bank, N.A., a national bank
Website
wellsfargo.comSource: Wells Fargo & Company Form 10-K for 2025, checked 2026-10-06
Headquarters
San Francisco, CASource: Wells Fargo & Company Form 10-K for 2025, cover page, checked 2026-10-06

Wells Fargo is a real, regulated bank. Wells Fargo & Company is listed on the New York Stock Exchange and files annual and quarterly reports with the SEC, and Wells Fargo Bank, N.A. is a federally chartered national bank whose deposits are FDIC-insured within the standard limits. Being regulated does not rule out enforcement: between 2016 and 2022 the CFPB and the OCC issued consent orders and penalties against Wells Fargo over consumer-protection violations, and in 2020 it resolved a Justice Department and SEC investigation of its sales practices. Most of those orders have since been terminated, while the OCC's 2024 formal agreement on anti-money-laundering controls is still described in the company's latest quarterly report.

Calls, emails and texts that claim to come from Wells Fargo can be phishing attempts. Use only the phone numbers printed on your card or statement or published on wellsfargo.com, and forward suspicious messages to [email protected].

EXTERNAL SOURCE

Independent Sources

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

BBBComplaints in the last 3 years, headquarters listing in San Francisco
947 reviews · 6,243 complaints · BBB business grade D- · average customer rating 1.11 / 5
CFPBComplaints received since December 2011
177,093 complaints
TrustpilotAll reviews, 255 of them in the last 12 months
1,620 reviews · TrustScore 1.2 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

1,632 complaints on USAComplaints, including 1 published in the last three years.

Show 15 more on this page
EDITORIAL

Complaint Themes

Mentions overdraft, insufficient-funds, NSF or other account feesMentions a loan modification, foreclosure, escrow or mortgage servicing problemMentions an auto loan, repossession or dealer financing problemMentions fraud, unauthorized charges, identity theft or a frozen/closed accountMentions credit reporting or debt collection

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Wells Fargo? Tell other people what happened.

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EDITORIAL

Complaint record: posts on this site, the CFPB database, BBB and Trustpilot

Posts on this site. 1,632 published complaint reports are linked to this profile. They name Wells Fargo or one of its units, such as Wells Fargo Home Mortgage, Wells Fargo Auto Finance, Wells Fargo Dealer Services or Wells Fargo Financial, and almost all of them were written between 1999 and 2013, so they describe older products and procedures. Posts that name Wachovia, First Union or America's Servicing Company, and also mention Wells Fargo, are shown as related posts rather than as Wells Fargo's own. Every post is its author's own account; it is not verified, and Wells Fargo's side is not part of it.

What the posts describe. The most frequent subjects are overdraft, insufficient-funds and other account fees; mortgage servicing, loan modifications, escrow and foreclosure; auto loans, repossession and dealer financing; fraud, unauthorized charges, identity theft and frozen or closed accounts; and credit reporting and debt collection.

CFPB Consumer Complaint Database. The database lists 177,093 complaints about WELLS FARGO & COMPANY received since December 2011. The largest product groups are mortgages (49,896), checking or savings accounts (49,463), the older category bank account or service (13,325), credit cards (12,657), credit reports (9,691), debt collection (8,129) and money transfers (7,850). Most of them, 140,393, were closed with an explanation; 17,715 were closed with non-monetary relief and 14,772 with monetary relief. Wells Fargo's response was timely in 173,281 cases and untimely in 3,812. The CFPB publishes complaints without verifying their facts, so a complaint is not a finding against the bank.

BBB. Wells Fargo is not BBB accredited. BBB's headquarters listing at 420 Montgomery Street, San Francisco gives it a D- rating, citing failure to respond to 25 complaints filed against the business. BBB shows 6,243 complaints in the last 3 years, 1,670 of them in the last 12 months, and an average customer review score of 1.11 out of 5 from 947 reviews.

Trustpilot. The page for www.wellsfargo.com shows a TrustScore of 1.2 from 1,620 reviews, 255 of them in the last 12 months. Wells Fargo has claimed the page; Trustpilot notes that the company has not invited customers to leave reviews recently, so the reviews may not be representative.

These sources count different things, posts on this site, CFPB complaints, BBB complaints and Trustpilot reviews, so their numbers are not added together.

EDITORIAL

Government actions: CFPB, OCC, Federal Reserve, Justice Department and SEC, 2016 to 2026

The CFPB, the OCC, the Federal Reserve Board, the Justice Department and the SEC have each taken action against Wells Fargo. Each item below follows the agency's own page or order, with dates and amounts as the documents state them. Most of these orders have now been terminated; the OCC's 2024 formal agreement on anti-money-laundering controls is the one still described as in place.

  • 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 CFPB page lists the status as "Expired/Terminated/Dismissed".
  • 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 this formal agreement, which covers its anti-money-laundering and sanctions risk management, under Legal Actions.

The same 10-Q says government agencies are conducting inquiries or investigations about fair access to banking, including under Executive Order 14331, and that the Justice Department and the SEC closed their investigations into the bank's hiring practices "without taking action". Enforcement actions against former individual executives are not listed here.

EDITORIAL

Lawsuits and settlements: what is pending and what is closed

In its Form 10-Q for the quarter ended June 30, 2026, Wells Fargo put the high end of its reasonably possible losses from legal actions, beyond the amounts already reserved, at about $1.5 billion, and said it does not expect these matters to have a material adverse effect on its consolidated financial condition. The cases most relevant to customers:

  • Henzel v. Wells Fargo Bank, N.A., now In re J&J Investment Litigation (D. Nev. 2:22-cv-00529), pending final approval: investors in lawsuit-settlement contracts sold by J&J Purchasing and attorney Matthew Beasley claim Wells Fargo is liable for their losses. Wells Fargo denies wrongdoing. A $50 million settlement was preliminarily approved on July 9, 2026; the opt-out, objection and late-claim deadline was October 12, 2026, and the final approval hearing is set for November 12, 2026.
  • In re Wells Fargo Cash Sweep Litigation (N.D. Cal. 3:24-cv-04616), pending: advisory clients allege that Wells Fargo breached its fiduciary duties or agreements by paying low interest on cash swept from their investment accounts into bank deposits. On June 26, 2026 the court denied class certification, and on July 28, 2026 it refused to reconsider, stating that certification was denied with prejudice as to the proposed Advisory Subclass. The plaintiffs petitioned the Ninth Circuit for review under Rule 23(f) on August 12, 2026 and filed a renewed motion for class certification on August 28, 2026, which Wells Fargo opposed. There is no judgment or settlement.
  • McNamara v. Wells Fargo Bank, N.A. (S.D. Cal. 3:21-cv-1245, consolidated with McCraner v. Wells Fargo & Co.), settled: the suits alleged that Wells Fargo helped free-trial subscription operations that misled consumers into repeat monthly charges, by opening bank accounts for them and moving their funds. A $33 million global settlement was approved on March 26, 2026; the defendants deny all claims. The claim deadline, March 4, 2026, has passed.
  • Stoff v. Wells Fargo Bank, N.A. (San Diego County Superior Court 37-2020-00020808-CU-BT-CTL), settled: a $56.85 million settlement for California mortgage borrowers whose current accounts were reported to credit bureaus as in forbearance after they received a CARES Act forbearance. Wells Fargo denies the claims. The court approved the settlement on June 10, 2026; no claim form was required, and payments were scheduled to be mailed by the end of August 2026. Class members with questions should contact the administrator through caresactlitigation.com.
  • Randall v. GreatBanc Trust Co. (D. Minn. 22-cv-2354), settled: an ERISA class action over the ESOP Fund in the Wells Fargo & Company 401(k) Plan. The $84 million settlement received final approval on April 20, 2026, and distributions were issued on August 13, 2026. The defendants deny wrongdoing.
  • Shareholder derivative suit over oversight of hiring and mortgage lending practices (N.D. Cal. 3:22-cv-05173), settled: shareholders sued the bank's directors and officers on the company's behalf, alleging they failed to oversee discriminatory hiring and lending practices. On May 15, 2026 Judge Trina Thompson approved a $110 million settlement: Wells Fargo funds a $100 million borrower assistance program offering grants and closing-cost help to low- and moderate-income homebuyers in more than 50 metro areas for at least three years, and the directors' insurers pay $10 million to the company. It does not pay compensation to individual customers.
  • Home mortgage discrimination class action (N.D. Cal.), pending without a class: plaintiffs allege that Wells Fargo treated minority mortgage applicants differently. The court denied class certification in August 2025, and the plaintiffs' request for an interlocutory appeal was denied in January 2026.
  • CFPB v. Early Warning Services, LLC, et al. (D. Ariz. CV-24-03652-PHX-SMB), dismissed: the CFPB sued Zelle's operator and three banks, including Wells Fargo Bank, N.A., on December 20, 2024, alleging unfair practices and violations of the Electronic Fund Transfer Act over Zelle fraud. The CFPB voluntarily dismissed the case with prejudice, and the court closed it on March 5, 2025, with no finding against any defendant.
  • Securities class action over hiring-practices statements (N.D. Cal.), settled: the court granted final approval of an $85 million settlement on May 21, 2026. It concerns statements to investors, not customer accounts.

Each settlement's own website sets its deadlines and payment rules. If you think you are a class member, use the contact details on that website, not a third-party claim service.

PUBLIC RECORD

Court & Public Records

McNamara v. Wells Fargo Bank, N.A., et al. (consolidated with McCraner v. Wells Fargo & Co., et al.)

Settled

U.S. District Court, S.D. CaliforniaDocket Case No. 3:21-cv-1245-TWR-DDLSource ↗

Settled

A consumer class action and a receiver's action, consolidated, alleging that Wells Fargo helped online free-trial subscription operations that misled consumers into repeat monthly charges, by opening and servicing their bank accounts. They were resolved by a $33 million global settlement; the defendants deny all claims and any wrongdoing or liability. On March 26, 2026 the court granted approval of the class settlement and of attorney fees and entered judgment. The claim deadline, March 4, 2026, and the opt-out and objection deadline, March 5, 2026, have passed.

In re Wells Fargo Cash Sweep Litigation

Filed

U.S. District Court, N.D. CaliforniaDocket Case No. 3:24-cv-04616Source ↗

Filed — no final outcome recorded

Consolidated putative class actions alleging that Wells Fargo breached its fiduciary duties or agreements over the interest rates paid to investment advisory clients on cash swept into bank deposit accounts. Wells Fargo disputes the claims. In 2025 the court dismissed some claims but let a breach-of-contract claim proceed. On June 26, 2026 Judge Vince Chhabria denied the motion to certify a class. The plaintiffs asked for leave to seek reconsideration or clarification, and on July 28, 2026 the judge denied that request, explaining that the account terms the plaintiffs called the "IRA Promise" do not unambiguously promise a reasonable rate of interest and that certification was denied with prejudice as to the proposed Advisory Subclass. On August 12, 2026 the plaintiffs gave notice of a petition asking the Ninth Circuit to review the class ruling under Rule 23(f) (No. 26-5163), and on August 28, 2026 they filed a renewed motion for class certification, which Wells Fargo opposed on September 25, 2026. The case is pending; there is no judgment or settlement.

Consumer Financial Protection Bureau v. Early Warning Services, LLC, et al. (Zelle)

Dismissed

U.S. District Court, D. ArizonaDocket Case No. CV-24-03652-PHX-SMBSource ↗

Dismissed

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.

Henzel, et al. v. Wells Fargo Bank, N.A., et al.

Filed

U.S. District Court, D. NevadaDocket Case No. 2:22-cv-00529Source ↗

Filed — no final outcome recorded

A class action, now captioned In re J&J Investment Litigation, brought by people who invested in lawsuit-settlement contracts sold through J&J Purchasing, LLC and attorney Matthew Beasley between 2017 and 2022. The investors claim Wells Fargo Bank, N.A. is liable for their losses, including for aiding and abetting the scheme; Wells Fargo denies any wrongdoing and any knowledge of the scheme. On July 9, 2026 Judge Cristina D. Silva preliminarily approved a $50 million settlement between the class and Wells Fargo. The deadline for opt-outs, objections and late claims was October 12, 2026, and the final approval hearing is set for November 12, 2026 in Las Vegas. Preliminary approval is not a ruling on the merits.

Randall v. GreatBanc Trust Co., et al. (Wells Fargo ESOP Fund)

Settled

U.S. District Court, D. MinnesotaDocket Case No. 22-cv-2354-LMP-SGESource ↗

Settled

An ERISA class action over the Wells Fargo ESOP Fund within the Wells Fargo & Company 401(k) Plan. The settlement website says plaintiffs allege breaches of fiduciary duties and prohibited transactions, and that the defendants (GreatBanc Trust Company, Wells Fargo & Company and Timothy J. Sloan) deny all allegations of wrongdoing. The $84,000,000 settlement fund covers plan participants who held part of their accounts in the ESOP Fund between September 27, 2016 and December 30, 2022. The court granted final approval on April 20, 2026, and settlement distributions were issued on August 13, 2026. The settlement is not an admission of fault or liability.

Stoff v. Wells Fargo Bank, N.A. (CARES Act forbearance credit reporting)

Settled

Superior Court of California, County of San DiegoDocket Case No. 37-2020-00020808-CU-BT-CTLSource ↗

Settled

A California class action filed June 18, 2020. The court-authorized notice says the plaintiff contends that information Wells Fargo furnished to consumer reporting agencies about borrowers who received CARES Act forbearances did not comply with the CARES Act, and that Wells Fargo denies all claims and any wrongdoing. The class is California mortgagors whose accounts were current, who received a CARES Act forbearance on or after March 27, 2020 and were reported as in forbearance; the settlement fund is $56,850,000, with equal pro rata checks and no claim form. The court approved the settlement on June 10, 2026, and the settlement administrator was to mail the automatic payments by the end of August 2026.

EDITORIAL

Company background

Wells Fargo & Company is a Delaware corporation, a financial holding company and a bank holding company, with principal executive offices at 333 Market Street, San Francisco, California 94105. Its common stock trades on the New York Stock Exchange as WFC. According to its Form 10-K for 2025, the company had about $2.1 trillion in assets and about 205,000 active employees at December 31, 2025, and reports four segments: Consumer Banking and Lending; Commercial Banking; Corporate and Investment Banking; and Wealth and Investment Management.

Its principal subsidiary, Wells Fargo Bank, N.A., held $1.8 trillion in assets, or 85% of the company's total. It is a national bank with its main office in Sioux Falls, South Dakota, so its primary federal regulator is the Office of the Comptroller of the Currency (OCC); the Consumer Financial Protection Bureau (CFPB) enforces federal consumer financial law against it, and the Federal Reserve supervises the holding company. Deposit products are offered by Wells Fargo Bank, N.A., Member FDIC.

Consumer products include checking and savings accounts, credit and debit cards, and home, auto, personal and small business loans. Wells Fargo Advisors, the brokerage brand, is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, which are registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Wells Fargo acquired Wachovia Corporation on December 31, 2008. America's Servicing Company is a mortgage servicing name registered as a trademark of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. BBB lists Wells Fargo's business start as 1852 and lists Wachovia, Wells Fargo Financial, Wells Fargo Dealer Services, Wells Fargo Card Services and Wells Fargo Merchant Services as alternate names.

VERIFIED

Company Relationships

  • Affiliated withWells Fargo Bank, N.A.
  • Affiliated withWells Fargo Advisors
  • Affiliated withWachovia
CONSUMER ALLEGATION

Related Complaints

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

EDITORIAL

Frequently Asked Questions

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

Call as soon as you notice it. Personal checking or savings, debit card or ATM card fraud: 1-800-869-3557. Bill pay, Zelle, direct pay, online transfers, ExpressSend or digital wires, or if you clicked a suspicious link or shared a one-time code: 1-866-867-5568. Credit card: the number on the back of the card. To check an open claim: debit card claims 1-800-548-9554, credit card claims 1-800-423-7618, Monday to Friday 7 am to midnight Eastern Time. Forward suspicious emails or texts you did not answer to [email protected]. For debit card and electronic transfers, report within 60 days after the statement showing the transaction was sent, and within two business days of learning that a card was lost or stolen, to keep your federal liability limits.

Where can I file a complaint about Wells Fargo?

Start with Wells Fargo: call 1-844-WF1-CARE (1-844-931-2273), Monday to Saturday 7 am to 9 pm Central Time, visit a branch, or write to the product address listed at wellsfargo.com/help/addresses. If that does not resolve it, file with the CFPB at consumerfinance.gov/complaint or (855) 411-2372; most companies respond within 15 days. Wells Fargo Bank, N.A. is a national bank, so the OCC's Customer Assistance Group, HelpWithMyBank.gov or 1-800-613-6743, also takes complaints. Your state attorney general's consumer protection office and BBB accept complaints too, and impostor or payment fraud should also be reported to the FTC at ReportFraud.ftc.gov.

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

Home mortgage customer service: 1-866-234-8271, Monday to Friday 7 am to 10 pm and Saturday 8 am to 2 pm Central Time. Auto loans: 1-800-289-8004, Monday to Thursday 7 am to 10 pm, Friday 7 am to 9 pm and Saturday 7 am to 5:30 pm Central Time. Credit card account management: 1-800-642-4720. General banking: 1-800-869-3557, 24 hours a day, 7 days a week. From outside the U.S., Wells Fargo accepts collect calls at 1-925-825-7600.

What overdraft fee does Wells Fargo state?

Wells Fargo charges $35 for each item it pays into overdraft on consumer and business checking accounts, with at most three overdraft fees per business day on consumer accounts and four on business accounts. It charges no fee for returned or declined items and no overdraft fee on items of $10 or less. With its Extra Day Grace Period, fees are waived if your available balance is positive by midnight Eastern Time at the end of the next business day. Your account's fee schedule and deposit agreement are the binding terms. In its December 2022 order, the CFPB said Wells Fargo had charged overdraft fees even when customers had enough money available at the time of the transaction; if you think a fee was charged in error, dispute it with the bank and then with the CFPB.

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?

Not in the cases listed here: their claim and objection deadlines have passed. The $50 million settlement with investors in J&J Purchasing's lawsuit-settlement contracts, in which Wells Fargo denies wrongdoing, closed its opt-out, objection and late-claim window on October 12, 2026, and its final approval hearing is set for November 12, 2026. The $33 million McNamara free-trial billing settlement had a claim deadline of March 4, 2026. The $56.85 million Stoff settlement for California CARES Act forbearance borrowers paid automatically with no claim form, and the $84 million Wells Fargo ESOP settlement issued its distributions on August 13, 2026. The cash sweep class action is still pending, with no class certified and no settlement. Deadlines and payment questions are handled by each settlement's official website and administrator.

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

The CFPB Consumer Complaint Database lists 177,093 complaints about Wells Fargo received since December 2011, mostly about mortgages and checking or savings accounts; Wells Fargo's response was timely in 173,281 cases and untimely in 3,812. BBB gives Wells Fargo a D- rating, citing failure to respond to 25 complaints, and shows 6,243 complaints in the last 3 years and an average review score of 1.11 out of 5 from 947 reviews; Wells Fargo is not BBB accredited. Trustpilot shows a TrustScore of 1.2 from 1,620 reviews. Each source counts something different, and none of them verifies the individual complaints or reviews.

How are complaints about Wachovia and America's Servicing Company shown?

Wells Fargo acquired Wachovia Corporation, itself the successor of First Union, on December 31, 2008, and America's Servicing Company is a mortgage servicing name of Wells Fargo Home Mortgage, a division of Wells Fargo Bank, N.A. Posts that name Wachovia, First Union or America's Servicing Company and also mention Wells Fargo are shown as related posts. They are listed separately from complaints filed against Wells Fargo by name because they concern a predecessor bank or a separately branded servicer.

Sources (30)

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