Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. J 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo repeatedly causing {$35.00} overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This is regarding a complaint I have submitted before this XXXX and this is the complaint ID : XXXX I was told that the company which is Wells Fargo XXXX XXXX working to resolve my issue which is absolutely not true. Wells Fargo representative called and told me that they cant see to fix or help with my case and he hang out immediately not letting me explain or even see whats going on. My issue was back in XX/XX/2022 my parents bought me an XXXX and XXXX XXXX from XXXX XXXX and charge was XXXX total and they used my caro to do so. At the same month I returned the items because I didn't like them and I wanted to use the money to treat mom and dad for vecation. Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. Couple of days passed and still I havnt received my money. Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see what's going on. I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. It's been XXXX months and I got a letter saying my dispute is denied. I been a customer for over 20 years. Never ever had a bad experience like this. I want my money back and I don't know what to do. Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact XXXX XXXX Please help me out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Accounts opened under name and social in the state of Florida, flag for fraud as these accounts do not belong to me. Personal information compromised due to theft/Home robbery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I make an auto pay from Wells Fargo Bill Pay recurring monthly. The money is taken from my account and documented, but Wells Fargo Mortgage N.A. says they did not receive payment. Call me daily asking for payment. applied late fees, lowered my credit score, and harras me. Wells Fargo mortgage said they are working on it but nothing is resolved. This is since XX/XX/22. This is my second complaint. I went to the local Wells Fargo branch and demanded a resolution or I was going to the authorities. To whom should I reach out in law enforcement and can you help me find a resolution?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: When I first opened my accounts ( business checking, business savings, personal checking, personal savings ) at Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, I was told by the bank representative that if I opened an associated savings account with the business checking and personal checking and maintained a balance of {$25000.00} across all accounts that there would be no account fee on any of my accounts. I now come to find that there has been a fee on my personal account since the day that I opened my accounts dating back to 2015 up until today. I complained to the local banking representative and he refunded 6 months of fees back into my personal account, but told me that a Wells Fargo specialist would be calling me to go over my complaint. The specialist contacted me and stated to me that she would be opening a Case to address my complaint and that she would investigate and get back to me. My Case # is XXXX. The specialist got back to me and told me that Wells Fargo would credit my account for {$50.00}. She explained to me that it was the Wells Fargo 's employees fault as the employee did not know what she was talking about. The only reason that I moved my deposits from a competing bank was that I would not be charged any banking fees. I would not have opened 2 savings accounts other then that was a requirement to avoid paying any banking fees. So, I opened the accounts to include the 2 savings accounts and I maintained the minimum {$25000.00} across all 4 accounts and I was still charged a banking fee on my personal checking account. Wells fargo needs to stand by their employees and not blame them for a detrimental company policy regarding banking fees. I want all the money that Wells Fargo took out of my personal checking account, in the form of banking service fees, going back to 2015. Many thanks for all your help regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2008 a CD opened with Wachovia bank in the amount of XXXX XXXX dollars. Now years later looking through my deceased wife 's records I found a cd she opened with BOTH our names on it. I do not know where this money is. Repeated contact with Wells Fargo has not been able to tell me what happened to this the account # on the CD isXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I recently filed a complaint with the CFPB against Wells Fargo Home Mortgage because I believe that myself and my ex husband XXXX XXXX, are part of the recent class action in which mortgage loan modification request were wrongfully denied due to a glitch in the system and should be compensated for a wrongfully denied loan modification due to a glitch that had occurred in Wells Fargo 's system. The previous CFPB case number is XXXX. I am not sure why this case was closed as it was not resolved by any means. Wells Fargo recently mailed me a response to my concern that I received on XX/XX/XXXX. XXXX via XXXX XXXX. The response was to the documents I sent them from the county recorders office indicating that myself and XXXX XXXX did in fact have a mortgage with Wells Fargo that they repeatedly claimed they could not find evidence of until I sent those documents. In Wells Fargo 's response they attempted to address my concern that we were never given a reason for why our last loan modification request was denied however there are some issues that raise concern for me. XXXX. Wells Fargo mentioned previous loan modifications dating back to XXXX that have nothing to do with the latest loan modification in question. They finally identified the latest loan modification in question as being initiated on XX/XX/XXXX and closed on XX/XX/XXXX as they claim that our ability to afford the modified payment was not supported by our financial situation. There are three things wrong with this : 1. I was told by the agent who was working with me in regards to the modification that this modification was different from the previous request and was part of a new modification program that the government had set up to help thousands of homeowners so it was not under the same guidelines as previous modification request. 2. After having received our application, I called to check on it with the agent and he looked it over and stated that he didn't see any reason why it shouldnt be approved. We submitted ample documentation of our ability to afford the payment. 3. When it appeared that we were getting no response of the decision in a timely manner I reached out to the agent and he apologized stating the loan modification request was denied however he could not explain WHY it was denied. You have to understand the undue hardship and frustration that was caused here as our home was approaching deadlines of possibly going to a foreclosure sale. When I explained to him that it didn't make sense why he can tell me our modification is denied but can not explained why he agreed and I do recall him briefly mentioning a possible glitch in the system as he was aware of cases of something like that going on. He offered to have a supervisor research it and call me back with an answer. A supervisor called me back however they still could not explain the denial and did not make confident statements that the modification was denied due to not be able to afford it. The supervisor did not have a reason but suggested that I may have time to try a short sale. We immediately went to a broker at XXXX XXXX who initiated the short sale process and there was a potential buyer who began submitting offers on the home. In the response to my recent complaint Wells Fargo attempted to address the reason the short sale did not go through stating that the approval to participate in a short sale prior to the pre foreclosure sale had expired and they had not received an acceptable contract for the property. There are some things wrong with this explanation : 1. Multiple offers were made and our broker who was submitting the offers to Wells Fargo kept us well in the loop of what was going on and he stated that Wells Fargo kept denying the offers.2, We were informed by our broker that this tends be a stalling tactic of the mortgage company to deny the offers and just let it go to foreclosure. The reason it went past the expiration date to complete a short sale prior to foreclosure is because Wells Fargo kept DENYING the offers until it got to the date of expiration, only to sell the home in a foreclosure sale for far less than what was being offered on the home. While the short sale process is not the main issue here, the issue is that we never received an answer as to why our loan modification was denied, receiving an answer 13 years later is not acceptable and we believe the reason there was no answer at the time is because of the glitch in the system that caused loan modifications to be wrongfully denied. There are legal ramifications to not addressing a loan modification in the correct way according to federal guidelines. There was no explanation of the denial given and possible glitch was mentioned but brushed over. The following are processes listed on the CFPB website that the servicer must follow when a modification is denied : 1 ) Appeal process required for loan modification denials. If a servicer receives a complete loss mitigation application 90 days or more before a foreclosure sale or during the period set forth in paragraph ( f ) of this section, a servicer shall permit a borrower to appeal the servicer 's determination to deny a borrower 's loss mitigation application for any trial or permanent loan modification program available to the borrower. ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( 3 ) Independent evaluation. An appeal shall be reviewed by different personnel than those responsible for evaluating the borrower 's complete loss mitigation application. We were not sent any mail that explained a reason for the denial nor given a reason on the phone thus we did not have adequate information to appeal the denial. We were not extended an opportunity to appeal the denial. To avoid further legal action in this matter we are asking that we properly be considered as being part of the class action in which we are due restitution for denied mortgages due to a glitch in the system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX online service agreement contract signed car deliver to my driveway. Contract is blank on address, so I believe the sales agreement is invalid. My interest rate was XXXX However the company has collected more than I owe, during COVID they called saying I could refinance over the phone and it ended up being a scenario. So with my regular payments {$250.00} and my gap insurance of {$330.00} not one has been late in fact I have been over paying {$790.00} or paying double some months. But I just also realized that my vehicle is being vandalized even after I took it to a certified collision repair center on XX/XX/XXXX It cost me {$1000.00}. Then XX/XX/XXXX XXXX XXXX paid {$500.00} Invoice XXXX Transaction # XXXX {$280.00} Transaction # XXXX {$320.00} Transaction # XXXX {$710.00} Transaction # XXXX {$390.00} Transaction # XXXX {$400.00} Meanwhile I was on recurring payments at {$250.00} from my checking account and my mother was also going by the bank due to letters the Wells Fargo kept sending and depositing multiple XXXX into my account ending in XXXX. I kept my portion of paper receipts thats how I have these transaction numbers. However the rest is digital and the bank has been playing and the sales contract is possibly what makes them think its acceptable. I would like to formally introduce myself, XXXX XXXX. The person responsible for the car having a clean title and no leans would be XXXX XXXX XXXX XXXX, with with Wells Fargo Dealer services on the paper work. They have been negatively impacting my credit and I believe phishing and selling my personal information. I would like this nightmare concluded. If there is a person who can please help me I would appreciate it very much. It was the COVID callers calling 24/7 about my auto loan asking me for my social number and sending me to it to set up a new online account and the branch not having any information regarding payments or interest vs principle. I wrote XXXX with the enclosed papers about a possible Lemmon on my hands. However I didnt hear back from them, my car continues to have one key and get vandalized every time its in a secure parking garage or doctors office. I believe someone might have the spare key or its a engine immobilizer issue. Its been messed up as well as other very dishonest services and thefts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a customer of Wells Fargo for 11 years and recently I started to have some issues with them. Today being the 3rd incident with them and I have had it with them and do not know what to do. I would take my paper checks every 2 weeks into a bank branch and they informed me one day about the mobile banking and how easy it was to use. So instead of going into the bank I figured I'd give it a try. I received an alert that my account was " on hold '' after I deposited a {$1500.00} check from our family business into my personal account with Well Fargo though their mobile deposit and I apologize for not remembering the exact day but it was about 2 months ago and I kinda freaked out because I never had this happen before. They held that deposit and I sorted it out, they made a claim that their was insufficient funds from the check I was trying to deposit and that they were going to place a hold on my account for 7 days. I had to make numerous calls and go into branch locations to get it sorted out in a timely manner. Skip ahead anther 2 weeks and I ended up hurting my right hand which is my dominant hand. I had to go to an emergency XXXX clinic and they thought it was XXXX so the wrapped my hand up in a half splint also known as an ulnar gutter splint in which case only my first finger and my thumb were accessible to write on my dominate hand, the remaining 3 fingers were completely covered in this splint and not accessible. I tell you that because of this next part. I went to use the Wells Fargo mobile deposit app to deposit the same amount {$1500.00} from the same account ( nothing new ) and my hand writing to sign the check was a little messed up, but honestly it looked like my signature just a little more scribbly. Instead of calling me to verify to see if it was me they decided to place another hold on my account and the {$1500.00} was not accessible. I kid you not I spoke to 5 different people over the phone and I visited 3 different branch locations in a span of 3 days to get this cleared up and the 3rd day I spoke to someone who told me to go into a branch location to " VERIFY '' my hand was XXXX ... ... I can't make this up. I deposited the funds into my own account, using my cell phones and my account and I have to show you my hand is XXXX. Anyway, I go into the 3rd location and verify my hand is XXXX, they pulled me into I'm guessing the branch managers office ( he didn't introduce himself he just acted like it was an inconvenience for him ) and they finally released the funds into my account, just to literally take out {$1400.00} from my account like 7 days later and say the written part of the check says " Fifteen '' but the box part of the check says {$1500.00} so they took BACK {$1400.00} and gave my {$15.00} from that check I fought so hard to prove it was me depositing that check with a messed up right hand. I literally can not make this up and as I am writing this it's just making me all the more frustrated before I tell you what happed today which was unreal. So toady I receive 2 emails from Wellsfargo. One at XXXX and the other at XXXX that my account has a negative balance of - {$360.00}. I am completely baffled by this. Their reason this time is " Insufficient funds at inquiry time ''. I deposited that check again which is from the same amount {$1500.00} and the same account as mentioned above. I deposited it on Friday the XXXX at XXXX. Today is Wednesday the XXXX and is 5 days after I deposited the check which by the way shows a cleared balance that I have been using because I deposited it on Friday before XXXX. They placed another hold on my account and as we speak my account is going to remain negative - {$360.00} until XX/XX/XXXX which is 7 days negative. I am so frustrated and I don't know what to do. I called the XXXX number to see what was going on because I was in shock as to why this keeps happening and she told me there was nothing she could do for me and that I have to wait until the XXXX for my funds to show up in my account. I am so confused I really don't know what to do. Please help I have never been treated like this before by a bank and to be told one minute I have money in my account and then have it deducted out of the blue over and over again without notice is terrifying. I am at the point that when I do a deposit I am actually scared of what is going to happen because of what has been happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A