Date Received: 2023-08-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XXXX of XXXX I purchased a new XXXX XXXX XXXX. The loan terms were XXXX months with $ XXXX monthly payment. It seems, however, that XXXX dealership submitted the wrong paperwork to Wells Fargo ( the lender ) with XXXX term and {$1000.00} amount. The paperwork that's still available on XXXX website ( attached : Lending Agreement ) correctly states the {$870.00} amount the the term, which I've submitted to Wells Fargo per their request twice now. This case has been ongoing for over 4 months. The 1st time Wells Fargo closed the case claiming they couldn't open the submitted PDF file. I called to re-open the case, which they did. This time I submitted both the lending agreement AND purchase agreement ( both attached ). XXXX ( Wells Fargo rep ) again tried to close to case claiming that she didn't receive the lending agreement ( in reality she simply opened the wrong attachment, ignoring the 2nd one ), but I was able to clarify this on the phone and she said she would double-check with her manager. I received another callback claiming that they ( erroneously ) believe the paperwork was not signed and are closing the case. The paperwork is clearly signed on the last page, what's missing are the initials on the 1st page, which were never even requested of me by the digital signature app XXXX dealership presented me with on their XXXX at the time of the sale.Considering such obvious negligence ( not being able to open a PDF file, neglecting attachments in the email, and failure to notice the signature on the last page ), this makes me wonder if XXXX and her manager are actually doing the job they were hired to do or simply going through the motions like a zombie?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX I noticed two fraud charges, same amount, same date for a service I did not purchase. Wells Fargo Bank My biggest problem is my bank is penalizing me for the charge back. Without my request, they simply turned off that credit card. My problem is I have many vendors with whom I have provided that card number for recurring charges. Now, because I exerted my rights, I have to spend XXXX XXXX tracking down my vendors in may lose vendors. This could cost me greatly. I did not request the cancellation. I ask that Welks Fargo not charge back the fraud if it was going to burden me. They shut me down. I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Several disputes have been submitted to the credit bureaus but no resolve for items : Wells Fargo Account # XXXX the accounts were opened in XX/XX/2016 should have fallen off by now, it is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. XXXX XXXX Acct # XXXX - Opened XXXX is beyond the 7 years according to the FRCA 5. Credit bureaus must delete outdated information after certain periods of time. The FCRA specifies how long credit bureaus can keep certain types of information on your credit reports. Negative information generally must be removed after 7 years. XXXX XXXX - Acct # XXXX- Account is paid in full and still showing late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I went to pay the full statement balance of my Wells Fargo XXXX XXXX credit card today and the website was unable to inform me what the payoff amount for the statment was. I had already made a payment to avoid going over the credit limit and there were several refunds that had posted to the account before the end of the statment period. The website would only provide me with the total payoff amount ( which includes current purchases that are not subject to interest until the new statement period ). Every other credit card I have gives me three options, the minimum payment, the statement payoff amount and the total payoff amount. Wells Fargo does not provide you with a running total of the statemant payment amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX I purchased a XXXX XXXX from XXXX XXXX and Financed by Wells Fargo Bank. I was studying for my XXXX at the time, so my Credit was very poor at the time. I was surprised when XXXX XXXX XXXX, the owner of XXXX XXXX called me within a couple hours of filling out an application called me to informed me that my loan was approved by Wells Fargo Bank... Within a couple of days of driving the Car it broke down. So I called the dealership and he said that since Wells Fargo made me purchase their insurance in order to protect them, simply bring back the vehicle and their will be no charge. To make this as succint as possible, what transpired after was a shocker. When I went back for the car, the dealership was empty, the owner had left the country. Sold my car to a Doctor who paid cash for the car that had gotten a loan for... I called Wells Fargo 's loan officer immediately who was unconcerned. only to later find out that were in cohut with XXXX XXXX. He simply said that he expect me to continue making my payments on time. That situation caused me to file for XXXX. Here is the problem! The Bank later located my car, repossed it, then auctioned it AND I PROMISE YOU UNTIL TODAY THE VEHICLE IS STILL REGISTERED UNDER MY NAME. I HAVE BEEN CONTACTING THEM SINCE XXXX ASKING TO AT LEAST REMOVE MY NAME, THEIR RESPONSE? THEY CANT HELP ME. IT IS MY RESPOSIBILITY. WHEN ASKED WHO THE PUCHASER IS AND WHERE IS THE CAR NOW? THE LAST FEW TIMES THEY RUDLY HANG UP ON ME. PLEASE HELP! I NEED YOU LIKE A STAR NEEDS FAME!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Well Fargo sold my condo and I want home equity money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95670
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Re : Complaint for Resolution of Inaccurate Account Reporting by Wells Fargo Dealer Services Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an inaccurate and misleading account listed on my credit report with the credit bureau. The account in question is associated with Wells Fargo Dealer Services and has been reported as " Closed '' and " Charged-off. '' My name is XXXX XXXX, and my date of birth is XX/XX/XXXX. The account details are as follows : Account Name : WELLS FARGO DLR SVC/ Account Status : Closed Type : Auto Responsibility : Joint Account Remarks : Charged off account Last Payment Date : XX/XX/XXXX Current Payment Status : Charge-off Worst Payment Status : Charge-off Balance : {$32000.00} Opened : XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History : Youve made 100 % of payments for this account on time. I have thoroughly reviewed my credit report, and I believe that there are inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) in the reporting of this account : 1. Lack of Clarity on Account Status : The account is listed as " Closed, '' which may mislead creditors and lenders regarding the current status of the account. As a responsible consumer, I am concerned that this inaccurate reporting may negatively impact my creditworthiness. 2. Unsubstantiated Charge-off Status : The account is reported as " Charged-off, '' indicating that the creditor has written off the debt as uncollectible. However, this information does not provide any details on the date of the charge-off or the circumstances leading to this status. The FCRA requires accurate and complete information to be reported, and the absence of crucial details raises questions about the veracity of the reported status. 3. Insufficient Payment History Details : The payment history section does not provide a detailed breakdown of payments made on this account. As a result, I am unable to ascertain whether the payment information is accurately reflected on my credit report. Given the seriousness of these discrepancies, I hereby request the Consumer Financial Protection Bureau to investigate and facilitate the rectification of the inaccurate reporting by Wells Fargo Dealer Services. I believe that the discrepancies listed above warrant immediate action under the FCRA to ensure the fairness and accuracy of the information provided to potential creditors and lenders. I appreciate your prompt attention to this matter and request that you keep me informed of any actions taken in response to this complaint. Thank you for your dedication to protecting consumers ' rights and ensuring fair credit reporting practices. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XXXX of XXXX, Wells Fargo reduce my credit limit by from {$19000.00} to {$9000.00}. When I inquired as to the reason the response I received was that I was late on a monthly payment. This late payment was due to the bank changing my statements from paper to paperless without my authorization. I requested that the back wave the late fee and reinstate my credit limit and requested documentation that I approved the paperless change in receiving my invoices for payment. After 2 months of escalation of the issue to the head office, I was told they could not provide the documentation and the basically said that they have been sending both paper and paperless billings to me so the matter was not valid. They do not even have an option to have both paperless and paperless billing options available. It is my contention that they are purposefully changing customer accounts to paperless without authorization in hopes to collect late fees when the client doesn't pay the bill on time. I am wondering how many other Wells Fargo clients have been defrauded by this type of action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Wells Fargo bank draws {$21000.00} from my credit card and closes my checking account as well as my two credit card accounts too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I contacted Wells Fargo regarding a deposit that was made for a check which was made payable to both myself and my mortgage company XXXX by XXXX XXXX for mold damage rebuild to my home at XXXX XXXX XXXX XXXX XXXX, GA. The check was deposited by a third party into the ATM at Wells Fargo. The check was made payable to myself XXXX XXXX and XXXX XXXX. The check was deposited without the endorsement from XXXX. I contacted the bank along with the depositor XXXX XXXX to have the check returned unpaid. When the bank was contacted about the error in the deposit they refused to return the check to XXXX XXXX marked unpaid so a new check can be issued to complete the rebuild for my home. The check shows " processed '' on XXXX XXXX XXXX side so they will not issue or recall the check until proof is provided that the check has not been honored. Several attempts have been made to resolve this issue with the Resolution Department for Wells Fargo and I was advised by them to go with XXXX XXXX to a Wells Fargo branch and a letter would be given to me that provides proof that the check will be returned unpaid. After several attempts that has not been done. XXXX XXXX will not issue a new check until the old check is either returned to them or proof provided that the check has not been cashed. I am in HOTEL and can not move forward with the rebuild of my home without the funds that payment has been retuned. I have XXXX claim number for the Resolution Department for Wells Fargo, they are XXXX XXXX I have been told on XXXX separate occasions that the only thing that needed to be done was for me to go with XXXX XXXX to the bank and a letter would be provided which proves that the check has not been cashed. Without this information, I am still displaced and living in a hotel because repairs can not be made without the check from XXXX XXXX. Please help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A