Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My apartment was looted and flooded. Cards and I D taken and fraudently charged my cards. I submitted DC police report XXXX. Wells Fargo Bank allowed fraudulent charges and owes me over XXXX for 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: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased this house with maximum financing at 95 % LTV. I then sold my previous house and used the proceeds from purchase of previous house to paydown/modify the initial loan amount for my new purchase. Wells Fargo then paid down the balance and modified my monthly payment but continued to charge me for the monthly mortgage insurance payment after I requested for them to cancel the monthly XXXX XXXX mortgage payment for the initial loan balance that was used to purchase the house after I paid down the mortgage balance owed being well below the 78 % LTV making the modification. After selling my previous residence, i modified my previous loan balance to under 78 % LTV and requested my monthly mortgage insurance to be canceled. Wells has charged me monthly mortgage insurance payments since i requested for it to be canceled since the modification payment was made. When I paid down the loan amount to below 78 % ltv, I requested the monthly mortgage insurance to be canceled. I recently noticed Wells has been charging me for monthly mortgage insurance since paying down the balance to below 78 % LTV and I have tried requesting a refund from wells but they stated in a US mail correspondence that I did not request the mortgage insurance to be cancelled and they do not owe me a refund. This is ridiculous. I have XXXX years in mortgage banking experience and requested the the monthly XXXXXXXX XXXX XXXXXXXX to be cancelled when I paid down the balance. They owe me for the excessive PMI payments, I have record of my monthly MI payments yet Wells says I did not request the monthly PMI to be dropped when I I went below 78 % LTV but I did request for the monthly PMI payments to be dropped, they just never did. It took XXXX years to learn they did not drop the monthly PMI payments, when I noticed and brought it up to Wells, they said I did not request for the PMI payments to cancelled when I paid down the balance but I did request for it to be dropped. I am a mortgage professional that had to close down a family owned mortgage company due to XXXX restrictions and not knowing if a bank could buy the loans we were selling. I feel Wells Fargo is not providing the fiduciary responsibility they owe me as a loan servicer. My calculation, they owe me roughly {$1800.00} in excessive monthly mortgage insurance payments that were not needed. Please contact me at XXXX and leave a message if you have any questions about this request for refund from wells as I have tried to talk to someone from wells twice but all they do is mail a response even after requesting for a call and voicemail from someone that can provide answers to the questions I have. Thank You, XXXX XXXX XXXX XXXX aka 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: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XXXX the account of @ XXXX contacted me wanting to pay me for companionship. He said I was so beautiful and didnt want to do anything inappropriate just get to know me and not waste my time by paying me for that time. So I said okay. After a week of talking he sent me a check of XXXX. He asked me what bank I used and I told him and then told me he wanted to include some money for me to send to a charity for foster children. I asked why he couldnt and he said because he has given them too much and wanted it to come from me. After the check cleared on my Mobile deposit I sent the contact he said was in charge of the financials for the orphanage in the amounts he asked for. These were directed to the XXXX XXXX phone number I provided. Then he sent another check for XXXX and wanted me to do the same thing. After one XXXX he started asking me for inappropriate pics and convo that I got uncomfortable and started to realize it was a scam. Shortly after this the checks bounced out of my account and I was put into the negative. He hasnt contacted me since. I sent him a total of {$2500.00} XXXX payments before the funds he sent by check were taken out of my account. I thought the money was approved as it said it was after mobile deposit. Once it was finally reviewed it was taken out of my account because the check was tampered with. At this point I had used some of the money to pay off bills and I didnt know I was putting myself in the negative. I cant even get a loan now with a negative account balance and Ive had a couple of direct deposit work check go into this account reducing my negative but leaving me with nothing to live off of. All of my bills go through this account as well. After contacting my bank right away I filed a claim for the XXXX payments and for the scam. My account was on hold but not closed and they said I couldnt do anything for 10 days while it was being reviewed. I got letters in the mail at various days XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX all dating the same day XX/XX/XXXX in the mail itself. The conclusions they had were that I can not be reimbursed for the funds I sent or the check I thought was approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Account was closed apparently because I did not make a payment. XXXX told me that I did not make a payment in XXXX and that the account was closed in XXXX. I double checked my records last payment made was XX/XX/2021 for XXXX dollars. XXXX also mention I had not made a payment for the months of XXXX, XXXX, XXXX of 2021 but the statement was XXXX for those XXXX months. Another thing I can not accces staments for that credit card and Banks are supposed to withhold records for 5 years. Wells Fargo also messed up my credit by closing this account my oldest account. I was a loyal customer but constant mis treatment by the company has led me to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I signed into my Wells Fargo online checking account via Desktop computer. Began a Bank Transfer to another linked bank as I often do. As of recent, a security code is sent to my cell phone on my profile. After pressing resend link XXXX times, the code never went to my cell Text. I looked for a drop down to send the code thru Voice Call or Email on file. There were no other options other than text to cell on file. Wells fargo agent had me send a text Help text, then I received a Wells Fargo Test text without issue. In summary, Wells Fargo Blocked, denied access to my own personal money deposits and would not allow a Bank to Bank Transfer without receiving a text code due to technical issue with Wells Fargo. It is mandatory, Online Transfer can NOT be conducted unless the customer has a Cell phone app. If my Cell phone was lost, damaged, or not available, or If I could not afford a cell phone, WElllS Fargo Bank is blocking use of access to my Deposited money transfers to Linked Banks or Debiting. Wells Fargo is forcing customers to use only a Cell phone to make on line transfer debits. if the technology is failing, customers are Blocked/locked out from accessing their money online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I filled a claim for 3 transactions of XXXX for a business that was charging for a service that was cancelled. After the credit was issued and claim was closed, the merchant charged me a XXXX time on XX/XX/XXXX. The merchant refunded me for that last transaction, but Wells Fargo did not realize a XXXX transaction occurred and thought the refund was related to the claim that was filed and sent me a letter that they were going to reverse XXXX from my account about a week from then. I called to get this handled, to which I was told instead of simply stopping the credit from being reversed ( which is a manual action, not automated ), they wanted to issue more credit immediately, and then allow it to be reversed a week later. I did not like that resolution and saw said there are automatic transactions that occur on the account and if they reverse the credit a week from then, I may not have the money to cover the automatic transactions that i planned for. Of course they refused to simply correct their mistake, and continued to move money in and out of my account erroneously causing what I was afraid of and incurred an overdraft fee.. So I then called customer advocacy and filed a complaint, too which was told they would handle it, during which a second overdraft fee piled on. Waited almost another week, but needing funds to pay bills/etc, I just went ahead and deposited my check. I just was on the phone with them a second ago, and was told they were not going to fix the 2 erroneously charged overdraft fees, and when I asked for a manager, was hung up on! This is incredibly frustrating as that came from an already " elevated '' agent that was supposed to take care of it, as well as the " customer advocate '' who didn't handle it nor even follow up at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There were XXXX separate credit cards opened in my name. The first company was Wells Fargo. I received the card in the mail on XX/XX/2023 and realized I did not open that account. I immediately tried to dispute with XXXX. Another card opened with XXXX XXXX XXXX XXXX I also reported this as a fraudulent account with XXXX. I was told they would be taking care of the accounts but also to report it. Both accounts are fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX of a used XXXX XXXX XXXX XXXX XXXX XXXX with roughly XXXX miles purchased of XXXX I got approved for a loan and had to use a ssi to apply and have to pay the lender on a higher rate with already paid money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I was on my computer searching for the flight status of my wife. The computer started flashing stating that it was compromised. I panicked because I needed to track my wife 's flight. It showed a telephone number I should call and XXXX will help me sort it out. I called the number showing on the screen. It was immediately answered by a male voice identifying himself as XXXX support. It coaxed me so he could take hold of the computer. I did and he said that a virus was in my computer and proceeded to show me a lot of computer information including transactions taking money from my Wells Fargo savings account : {$4500.00} & {$9800.00} from a XXXX. He said that it shows that I approved the payments. I started panicking even more! He said he can help me call Wells Fargo and alert their Fraud Unit to stop these transactions before they are taken from my account. Another male voice came on the phone stating that his name is XXXX XXXX and that his telephone no. is XXXX. He assured me that there are protocols that need to be followed to help me. He kept on telling me not to panic and they will do everything to help me and that I will keep my cell phone open to give me instructions. I was already in panic mode and he kept on saying that I should relax. After some time he told me he will transfer the call to his supervisor and gave the number to call if we were disconnected, which was XXXX. We got disconnected and I called the number. It was answered by another male voice who said his name was XXXX. He said for me to follow his instructions so he can connect to my computer. He was able to bring out my bank account with my current balance of {$28000.00}. Then he asked me if I have a checking account and I answered yes. He told me to transfer {$28000.00} to my checking account which I did. He said that the Federal Reserve has protocols to ensure that my accounts wont be taken by creating an alias account that will be computer generated while they are investigating and 3 to 5 days after they completed their investigation my money will be returned to my bank accounts. He kept on telling me that the Feds had to be involved. He told me that my computer and my cell phone were compromised so keep my line open while he was in contact with the Feds. He said not to tell anyone about this until the investigation is completed because they suspected that people close to me were being monitored and the employees of the bank that I go to are also included in their investigation. He came on the line again and and gave me instruction on how the alias account that I would transfer my funds to would be handled, that I should ask the bank teller for a domestic wire transfer to XXXX XXXX XXXX The details were as follows : Beneficiary Name : XXXX XXXX Account Number : XXXX Routing Number : XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Beneficiary Address : XXXX XXXX XXXX, XXXX, CA XXXX Amount of wire transfer : {$26000.00} He said that when the bank asks the purpose of the transfer, I will state that I am helping my XXXX with his business. So when the Banker asked for the purpose of the transfer I said exactly that. After I got home from the bank, he told me to scan the receipt of the wire transfer and also my my drivers license, which I did So when my wife woke up the next day, I told her everything that transpired. Immediately, after breakfast ( XX/XX/XXXX ), we went to the bank to claim a wire recall. We were in the bank until after closing, about over 3 hours, but all the banker did was to change my bank account numbers because the fraud person that she called kept on putting her on hold and then transferring to another employee until closing time. All we got was a claim number, but the banker who was helping us said it is very slim that I get back my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In XXXX they added it. Only for the balance to be incorrect. And all of my previous payment history not reported. They are reporting that I owe more than Ive paid. Payoff quote as of XX/XX/23 is {$46000.00}. Outstanding Principle balance is {$46000.00}. They are reporting that I owe {$48000.00}. I would like the correct amount reported and updated on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A