Date Received: 2023-07-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I got several overdraft fees after being charged several payments despite the fact I had signed up for denying payments if my bank account would reach below XXXX. On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: For several years we have been paying on a home equity loan with Wells Fargo. Despite many, many payments, the loan has not seemed to decrease. Recently, there has been a huge increase in fees and payments which we can not afford. On XXXX, on the phone with a customer service representative, I asked for both help and a list of all of the payments made on our account. Neither have been provided. I did receive a letter that help was denied, but I never spoke to anyone after that, so I don't know how they made their decision. We have literally paid on this loan for 15 years or so, I want to both know where that money has gone and to get our payments manageable again. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Account # XXXX Date : XX/XX/2023 Based on the Office of the Comptroller of the Currency ( OCC ) official comments, Wells Fargo didn't capture all of their clients that were involved in denied Loan Modifications. Numerous individuals lost their homes due to the robotic foreclosures that took place during that timeframe. My property in XXXX XXXX Florida ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ), formally part of XXXX. was one of those properties that should've have been part of your original class membership. The fact that it wasn't identified is the real problem that the OCC had noted. I strongly believe that the initial review performed by Wells Fargo to identify these properties was not encompassing, thus incomplete. The various updates provided by the OCC reflected that the number of homes affected ranged from XXXX to XXXX homes. One can reach the conclusion, that not identifying all of the potential clients may have been self-serving and ultimately saved Wells Fargo XXXX in penalties and settlements. My primary residence fell between the cracks and I'm sure there are other properties that were not properly identified. XXXX, they were not included in the class action suit, thus not entitled to any of the penalty funds put aside for this purpose. The attached documents reflect correspondence ( s ) between the individuals that were coordinating these efforts for " Wells Fargo ''. As noted, the responsible representatives and/or assigned Attorneys just ignored the correspondence and foreclosed on my property, without a modification. The foreclosure ultimately lead to bankruptcy. Please review the information that Ive attached. If you need any additional information please contact me via my email ; XXXX and XXXX respond promptly. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was going through my consumer report and realized I have two hard inquiries that I did not give permission from XXXX to allow third party corporations to access. In pursuant to 15usc1681b ( 1 ) XXXX must have a court order and XXXX must have written instructions by me the consumer in 15usc1681b ( 2 ). The two hard inquiries are XXXX XXXX XXXX XXXX and WF CRD SVC I did not give XXXX permission to allow this into my consumer report. XXXX allowed these two hard inquiries into my account to profit and considered me the consumer as a product. I want these two hard inquiries removed from my credit report as this is in violation of my privacy and in violation of congressional findings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Received text about transaction from my bank Wells Fargo. I contacted Wells Fargo they didnt send the text, l received new debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I contacted Well 's Fargo ( my then bank ), and advised them that there was a fraudulent charge on my account that came through on my debit card in the amount of {$2400.00} From a company called XXXX XXXX I advised Well 's Fargo that I already contacted them and was told I had to contact my financial institution. I filed a fraud claim in which they shut down my card and gave me a temp credit for the charged amount. on XX/XX/XXXX, I missed a call from Wells Fargo and returned the call. At that time I was notified that the completed an investigation and determined that the charge was valid. I asked how did they make that determination? I was told based off the evidence sent over from the merchant XXXX XXXX XXXX. I then said well since I did not make this charge, what was the evidence and I would like a copy of the " evidence '' that was submitted. I was then told that they could not send me a copy of the evidence due to " security reason ''. I explained how that made no sense and I did not understand that as it is a fraud claim on MY account and they are saying it is valid. So I should be able to see the evidence they are claiming that proves I did a transaction that I did not do. She apologized and stated that credit would be reversed by the end of that month ( XXXX ). They did this on XX/XX/XXXX which placed my account in the negative for an amount of - {$2500.00}. After this they closed my account ending in XXXX on XX/XX/XXXX with a final balance of - {$880.00}. There was a credit that was placed on my account in the amount of {$1600.00} from XXXX XXXX XXXX. They then advised me that the account and the balance will be placed with XXXX XXXX. I have a serious problem and several complaints with this entire ordeal. Well 's Fargo with their deceptive and unscrupulous business practices per usual are at play here. First I want this matter investigated to find out why so may inconsistences with the final amount of my account. I also would still like to see the supposed evidence that they have that proves the charge was valid. I then would like to know if the charge was valid, why would they credit my account again in the amount of {$1600.00}. I also need to know the justification of closing my account and charging me a balance along with reporting to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, I refinanced my home with Wells Fargo. In XX/XX/XXXX, they sent me a check for {$860.00} stating that a recent review had determined that my loan was in excess of their internal pricing guidelines. I spent the next month making phone calls and even visiting a branch office to try to determine what caused the error. I was finally told to write a letter, which I did on XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating what I'd already been told several times - " my loan was in excess of their pricing guidelines and their pricing guidelines are proprietary. '' It also stated that the interest rate, XXXX and fees in my closing documents were accurate. Does that mean my loan amount is wrong? Am I paying interest on the wrong amount? I imediately called their customer service and was told my case had been closed. I asked them to open a new case ( # XXXX ) and stated that I wanted an explanation for how the {$860.00} was calculated. To date I have had no reply. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is a charge off account on my credit report, which is unlawfully on my credit report. From Wells Fargo, Account # XXXX A debt has been written off as a cancellation of debt. I have reached out to the creditor. The debt is not longer collectable. I have received a 1099c Cancellation of debt From Wells Fargo. I have also file it with the IRS, which it includes as income now, it is no longer a debt. I am not longer liable for this account, nor the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to express my deep anger and frustration regarding an incident that occurred with my Wells Fargo account. I believe it is essential for you to be aware of the distressing situation I experienced, as it has caused me significant emotional turmoil during an already challenging time. On XX/XX/XXXX, my beloved husband,, passed away. The days following his passing were filled with grief and overwhelming sorrow. Unfortunately, on XX/XX/XXXX, when I attempted to use my ATM card, I discovered that it was not functioning. Distressed and confused, I visited my local branch to seek assistance. It was at the branch where I finally encountered a manager who informed me that according to their records, I had been declared deceased on the XXXX XXXX XXXX XXXX This shocking revelation was both bewildering and deeply distressing. To rectify this unfathomable error, I was instructed to obtain a declaration of life and have it notarized, a process that added unnecessary burdens to an already challenging period. In my attempts to resolve this matter promptly, I encountered a series of obstacles that only added to my frustration. It took ten individuals, each providing varying degrees of assistance, to finally unlock my account. The lack of urgency and efficiency in addressing this situation was disheartening, particularly considering the gravity of the error. The manager I spoke with admitted that he had been employed at Wells Fargo for ten years and had never witnessed such an incident, leaving me feeling even more bewildered and unsupported. Given the circumstances surrounding my husband 's recent passing, I hope you can understand the heightened emotions I was already experiencing. The timing of this incident, occurring on the eve of the celebration of life for my late husband, compounded my distress and left me feeling incredibly let down by Wells Fargo 's handling of the situation. While I appreciate the verbal apology offered by your staff, I firmly believe that mere words are insufficient to address the gravity of this error and the emotional toll it has taken on me. I expected more from Wells Fargo, a financial institution I have entrusted with my financial affairs for many years. Therefore, I kindly request a formal investigation into this incident to understand how such a grievous mistake occurred and to prevent it from happening to any other customer in the future. Additionally, I believe it is imperative for Wells Fargo to take tangible steps to compensate for the distress caused, both in terms of the emotional toll and any financial repercussions I may have incurred as a result of this error. I trust that Wells Fargo, a reputable institution with a long-standing history, will take the necessary steps to rectify this situation and restore my faith in your services. I genuinely hope that no other customer has to endure the emotional distress I have experienced due to such an avoidable error. I look forward to your prompt response and a resolution that acknowledges the severity of this matter. I can be reached at the contact information provided above should you require any further details or clarification. Thank you for your attention to this matter. Yours sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Made a one time mortgage payment toward the principal of {$5000.00} on XX/XX/XXXX to Wells Fargo Mortgage company. I made sure to tell the agent to apply the amount to the principal payment 3x prior to ending the call. Checked back couple days later, amount was not applied to the principal instead it was applied as a regular payment with interests taken out. I called back and had the transaction reversed on XX/XX/XXXX. Again, made another principal payment of {$20000.00} on XX/XX/XXXX. This time I also made sure to tell the agent the issue last time and wanted to make sure that this will not happen again like the last time. Today, XXXX, I checked the account and again, that {$20000.00} was applied to the monthly payments instead of toward the principal amount. I begin to think now that all these transactions are intentional. Again, I will call on Monday to have it reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A