Date Received: 2023-09-07
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I went to make a payment on the XXXX of XXXX and I found out that they would not accept my payment because my house is in foreclosure. I never received any notice of foreclosure and now they are telling me I did not make my payment in XXXX of XXXX. Why did it take 10 months? I also texted them in XX/XX/XXXX when I found out my payment did not go through. I texted them to ask why they did not take the payment out and they responded to me by text and they said that I only agreed to XXXX payment. But I asked them to take out XXXX, XXXX and XXXX of XXXX. They said that I only agreed to XX/XX/XXXX but they took XX/XX/XXXX out. When I asked and they would not give me the correct answer. I called again and they repeated that i only agreed on XXXX. But why did they take XXXX out? My Mortgage payment has changed three different times in the past year. I did not know until I had called and made a payment that it had changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Wells Fargo has been aware of issues with people login in to mobile banking, not having access to their money at a bank as well as not being able to using debit cards. They have been aware of this for over a month now. I have done a complaint before and they are stating I had no issues with my account or login which I have had issues going on for the past month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: after they led me along for 2 months and being very distant the last chat with the loan officer made it seem we were still aiming for closing on the XXXX. He left on vacation and was not due back til the XXXX the latest was XX/XX/XXXX we had an extension for. The XXXX was also my bank for 17 years and had every paycheck from all XXXX incomes in the last XXXX years I had opened these newer accounts. I bought the house already but an extended civil loan of XXXX from an owner from 4 years ago was trying to take back the house from the new owner I bought from for missing a payment during covid causing the purchase to wait til the final decision 14 days after the expiration. The judge threw it out as frivolous. It took close to a year to get to that point due to so many COVID-caused hurdles. After the judge ruled in favor, I redid all my paperwork and called XXXX on XX/XX/XXXX my birthday. by the XXXX we had all the paperwork redone reapproved and ready with no negative issues. They had deposits for appraisals and their department approved the insurance in which they had me pre-agreement ready to purchase and had that sent directly to Policygenius they created a policy with the date of the latest purchase before the extension ended and all was a go. So guess my only conclusion was after turning on the news and seeing they were in trouble for mortgage denials. I was in denial of being in the middle of this for so long. They were beyond inhumane in every effort to send me documents and at least a denial letter that I even submitted. I complained to the heads-up investigator as I was not after no lawsuit, but wanted some clarity and money invested as I was clear in every email, even when they raised my APR on XX/XX/XXXX Sat at XXXX am in the morning that they told me, pressured me into signing the doc of RATE LOCK and no one could have know it would skyrocket that week and I'm sure it must have been a misunderstanding that they raised it to XXXX XXXX from XXXX cause that would be considered illegal, since we had everything in order and were closing in XXXX weeks, so a week goes by and they sent an update the original paperwork was resubmitted and that my ratelock agreed is what we were going with than my LO disappeared on me and I never heard from them. A secretary said a he said she said he went on vacation. Who denies a loan by stating their going on a XXXX-day vacation and never ever refuses to take your calls even after a year as I tried for closure as I had to go thru buying this house for a XXXX time over his actions, and became so stressed over all the paperwork to submit to XXXX places all were able to figure out how to secure my loan but even they failed. However, they are the largest bank, and the money went into my accounts monthly and they were my bank. I have the emails that prove the dates and copies of all of it which I had to recover and took XXXX months, nobody in my entire life has ever treated me so poorly as a person. Especially as I thought 17 years of banking I would have some inner loyalty and at least been properly let down and guided in a direction that was helpful. The request for paperwork was endless, I finally had it and called and was pushed from department to department to department well over XXXX hours til the last guy whom I took every name spoke and reported it, and told me in an insincere way we don't keep it it's all shredded gone. I was like it was a folder online I am an IT tech a well-educated businessman and know document law as if needed by the IRS for instance. And they started laughing at me, as I told them do you know what I have been through and how stressful this has been for you all to treat the people that pay for you to eat like this really shows on a level of a bank-wide inner issue how they are allowed to be towards their clients. They hung up on me after saying its Friday they're about to close and nobody left to talk to. I finally after months of searching found how to complain as no one gave me that information until I found out I had a cousin that worked a breach XXXX hours away her department was the only one that helped and it was extremely secretive I had to keep her name out of it, just to get a XXXX check sent by the Treasure they were holding for 14 days due to payees of my business account and refused the money and racked up thousand in fees and bounced checks due to my vendors and employees I called every day for 14 days and they threw me out of the bank and said call the cops as if they were bigger than the law. I had the printout from the government and they would not acknowledge it as law. So from that complaint, I got the number for this older complaint I have filed so many in a XXXX-month period, and I never had these issues til XXXX started. Nonetheless, they retaliated in the most bizarre way, their dates were all over the place it was memorable to me cause I applied on my birthday XX/XX/XXXX and it lasted til XX/XX/XXXX I gave up, and they did not even notify the insurance. Every thought we were closing. My lawyer said can't get ahold of your guy same with escrow, see we are a small hometown and we all know each other. So when this happened, everyone was thrown off as it never happened like this before. However, the longest detailed letter complaint was responded to as they said would with every answer. I did not know I had every record backed up so after they thought I was only trying to complaint about not getting copies of APR change and rate locks and agreements, They are just flat lied about everything even dates I did not know any of them in XXXX, it was then I realized it was never ever going to be a loan, they need me as a number and never thought twice about me as a person, or they would not have stated so many inconsistencies provable by a paper trail as false. So years I didn't sleep on my birthday still after as it brought up a bitter anger of hopelessness in people that I tend to just shutter for a week in a depressed state to think that a human could do that to another human and be so friendly and talk about life and bam, your dead to them for a dollar. Yet here we are and still XXXX the worst human I know will not tell the truth nor will I ever truly know why this was done to me like this or what reason. They apologized and apologized and sent me a letter like XXXX weeks and it asked me to submit an amount of money that I felt could replace the damages. I smh in dismay, Was their a price for losing one 's faith in humanity? There is not, a price on my birthday ruined every year as the XXXX comes to think about for an entire week how on my birthday I was chosen to be humiliated and spit on by loan officers for money. It took a year to get away from them I was so entangled in neverending red tape. Beware of the XXXX XXXX of the world and whatever happened to them to treat people like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX was flooded and looted and I had to abandon the apartment. Somebody got a hold of my credentials and debit cards and credit cards and repeatedly committed fraudulent transactions depleting all of my Wells Fargo Bank accounts. Wells Fargo Bank allowed fraudulent charges and fraudulent transactions for almost two months beyond account limits without interruption without alerting me or flagging the accounts. XXXX XXXXXXXX accepted responsibility for the financial fraud. XXXX has accepted responsibility for the financial fraud. I submitted DC police report XXXX. Wells Fargo Bank had not accepted responsibility for the financial fraud they allowed. Wells Fargo Bank contracted with me to hold me harmless of the financial fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received an unsolicited credit card from Wells Fargo. I called to have it closed and was informed that there had already been a balance transfer requested. I was switched from person to person. Finally, I was given a case # and told I would receive an email confirmation. I have not received that confirmation and am concerned. I also received a letter to my dead father saying his spouse had requested a credit card. My mother is also deceased. No record of a credit check has appeared on my credit reports. How can Wells Fargo approve a card without a credit check. It appears that Wells Fargo does nothing to protect people from having their identities stolen or actually checking people 's credit before approving a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: UPDATE TO CLAIM XXXX -- -- UPDATE TO CLAIM -- XXXX -- -- UPDATE TO CLAIM -- XXXX Wells Fargo has acquired my social ( credit card ) as defined under 15 USC 1602 to conduct a consumer credit transaction where I applied for an extension of my own credit but received no benefit and instead have been unlawfully denied. Wells Fargo still holds my identifying information like my social and has not performed its duties accordingly being in direct violation under 15 USC 1644 for in fact Wells Fargo has obtained my credit card for the sole purpose of extending to me my own credit via a FINANCE CHARGE but has denied me my Right to credit causing me harm and mental anguish and a lose of confidence in the banking system. This is a direct violation under 15 USC 1691 which clearly states -- -- -- ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- - ( XXXX ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -Definition of credit under 15 USC 1691a clearly and directly states -- -- -- credit ( d ) The term credit means the right granted by a creditor -- -- -- -Definition of creditor under the same provision -- -- -- -- -creditor ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; -- -- -- -- -Definition of person under the same provision -- -- -- -- person ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. -- -- -- -- -- -- I the natural person have attempted to exercise my RIGHT to credit using my credit card to create an extension of credit via a consumer credit transaction creating a FINANCE CHARGE with Wells Fargo and have been denied that RIGHT. Wells Fargo instead alleges their COMPANY POLICY GRANTS THEM THE RIGHT TO DISCRIMINATE AND SEVERLY HURT A CONSUMER which is false and deceptive for policy does not XXXX Federal Law. Wells Fargo has obtained something of value for the purpose of money and has not performed in good faith denying a Federally Protected Right and is now also in violation under Tittle 18 242, 18 USC 1028A.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: In the pandemic, wells fargo advised me not to pay my mortgage, because they were putting it in forbearance.When it was time to resume payments, they offered me mortgage assistance, {$830.00} XXXX. I paid on time and in full every month until one day they returned my check to me, saying they reneged on the mortgage assistance because they were missing a document. Since then, I have payed the full payment on time every month. {$940.00}, {$920.00} I am in receipt of an intent to foreclose letter XXXX XXXX, out of the blue. I have had many correspondences with them trying to get a payment reduction.I am the co-borrower. My estranged husband is the borrower and his whereabouts are unknown.Wells fargo repeatedly demanded his signatures and refused to acknowledge his warrants and disappearance.I am a XXXX XXXX XXXX XXXX XXXX and I live in my home with my XXXX children, who are adult XXXX XXXX XXXX XXXXWells fargo has no grounds for foreclosure. I have complied with all their demands and I pay my mortgage.Thank you for your time to save our home. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I experienced fraudulent charges on my account on XX/XX/XXXX. I immediately filed a claim in the amount of {$4200.00}. Wells Fargo not only filed the claim incorrectly but cost me XXXX of dollars in time with their unprofessional service. I then went to the bank to file a complaint. Within a week of no warning or communication, my debit card was canceled and a temporary credit in the amount of {$4200.00} was placed on my account on XX/XX/XXXX. I called to find out that they had refiled the claim, correctly this time, in the amount of XXXX. Claim ending in XXXX. From that time, I spoke with 5 different representatives. Three from the claims department and 2 from the executive office. the two claims representatives that I spoke with on XX/XX/XXXX and XX/XX/XXXX informed me that the claim was being finalized in my favor and that the temporary credit of {$4200.00} was not a permanent credit. I asked for additional confirmation several times on a recorded line due to receiving misleading information since the original claim had been filed back in XXXX. I was told that the information was true and correct and that a letter stating this information would be mailed out to the address on file on XX/XX/XXXX. Now, today XX/XX/XXXX, I spoke with claims representative number 3, and the information that I have received is completely different with zero resolution as stated before. I am extremely frustrated dealing with this misleading fraudulent company. I am requesting an investigation be opened and have contacted the executive office once again to file a new complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Wells Fargo Auto we are just now being told that our payment was going to wrong address after having loan for XXXX years with having to pay late fees just recently received letter XX/XX/2023 detailing Wells Fargo auto XXXX XXXX XXXX XXXX, Co XXXX this payment sent to wrong address for your account ending in ( XXXX ) we have been paying through our chase app which has address as Wells Fargo auto XXXX XXXX XXXX, XXXX TX XXXX XXXX been sending payment to them for at least XXXX years I dont believe I should have to pay late fees or have my credit affected
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NAME : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, State Zip : XXXX, Arizona - XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85706
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A