Date Received: 2023-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for forbearance during the pandemic because my job was affected and income wasn't coming in like before due to the lack of customers. I got out of forbearance once I thought that I could resume making my monthly payments, but those payments started to be more than I could pay a month. So that put me further behind. I was threatened with foreclosure, so I filed for bankruptcy, while still making payments to the bank, but those payments continued to increase every month, and it didn't seem like the payments where being placed completely towards my mortgage. I didn't see a change, even when I knew there should have been a decrease. Bankruptcy was eventually dismissed because I couldn't afford to pay the trustee and my increasing mortgage payments every month. Eventually a letter was sent from the VA stating that a foreclosure would take place, and that I needed to try to get a loan modification. I called the bank and applied for the loan modification, and submitted everything that they asked for, but my loan modification was denied, even though I was told that I qualified for the modification. So the bank suggested I do a short sale. The bank sent me a letter stating their reasons for the denial, but I wasn't aware of any of the limitations they claimed to have had, that made them unable to help me. I want aware of any amount of payments that I needed to be making during the modification process. I don't know if my income that I reported was not enough, or if it was to much. Also, the income they stated, that I reported, changed from one amount to another, and I don't understand how that should have happened. There were just a lot of unexpected things that didn't match with what I was told. I did file an appeal, and a representative did call me to inform me that it was received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: over draft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had a prior CFPB complaint that was closed out unsatisfactorily. My account was been changed from a Team Member account to an Everyday Checking account while I am still receiving Wells Fargo direct deposits. My account still shows as a Team Member checking in the system. I am being accessed charges according to an Everyday Checking account but it is still a Team Member account. Please reopen this complaint. I am not satisfied with the research that Wells Fargo completed regarding the matter. It took a month for no resolution. CFPB guidelines require a response within 10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Wells Fargo is not allowing me to register my credit card account online. This is the service that Wells Fargo offering to other consumers and that is advertised to the public. but I am denied to access the service. When attempting to create an online account in order to manage my credit card I am receiving the following message : " We couldn't process your request online. Please call us at XXXX for help. '' During the last month I had called Wells Fargo at the above mentioned number at least twice. The first time I called Wells Fargo representative informed me that Wells Fargo is aware of an internal problem that it is experiencing and that it will fix the problem in 3 business days. I waited 4 ( FOUR ) business days before attempting to register for online access again and when I tried to register again I experienced the same problem, so I called Wells Fargo again. During the phone call I was transferred to different departments at least three times and every representative that I spoke with interrogated me with a series of questions for a long time and eventually said that the problem was not in the competence of their department. The last representative I spoke with failed to resolve the problem and requested that I visit a Wells Fargo office with the closest office to my address being more than XXXX miles away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My credit report had unauthorised hard inquired on it that should be removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43065
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Company : Wells Fargo Acct # : XXXX In accordance with the fair credit reporting act XXXX XXXXXXXX, Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Wells Fargo has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Thank your for taking the time to read this letter. I am writing this letter because I noticed that my most recent credit report contains a late payment reported for XX/XX/XXXX for my Wells Fargo account. Wells Fargo has not been helpful in processing my request. I have not received any information or even confirmation of whether or not they have even received my inquiry. I faxed the required documentation as agreed to the Wells Fargo institution on XX/XX/XXXX and they have yet to give me the necessary answers regarding my request. Ive been a diligent customer with the institution since XXXX and the lack of service I have been subjected to has been a terrible experience for my family and I. I want the record to show that I am fully aware and understand my financial obligations, and if it werent for a slight oversight then I would still continue to have an excellent payment record. It was brought to my attention by Wells Fargo that the bill wasnt paid in full for the month of XXXX and as soon as I was made aware of it, I made sure to make the payment immediately in that moment when it was brought to my attention. But it seems that Wells Fargo still took it upon themselves to have still submitted this to the credit bureau anyway despite my immediate payment after being informed by the institution of the issue. However, I can assure that something like this wont happen again because I have placed the payments on autopay going forward to prevent this from ever being a future occurrence. In previous months, Ive even taken the initiative to pay back double what was due as the records will show and prior to this honest mistake, Ive never missed a payment with the Wells Fargo institution, or any other institution for that matter, for as long as I have been in business with my creditors. Ive recently gotten engaged and my fianc and I intend on applying for a home mortgage but its come to my attention that the missed payment on my record could affect my ability to qualify. I truly believe that this mishap doesnt reflect my creditworthiness and commitment to repaying my debts.As a United States Army Veteran, Ive always made necessary sacrifices for my country and family. Now as New York City XXXX, I will continue to rectify and fulfill the requirements needed for a better future. It would help my family and I immensely if you could provide me with a second chance and make a good will adjustment to remove the late payment from my credit report. Thank you for your consideration and I hope you will approve my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Accounts was open fraudulently which is now hurting me and stoping me from getting loans or credit cards. loans was open like Wells Fargo auto finance and XXXX XXXX auto finance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: CFPB WEBSITE : Forbearance ends with a payment plan, not a lump-sum payment Homeowners who receive COVID hardship forbearance are not required to repay their paused payments in a lump sum once the forbearance period ends. You can talk with your mortgage servicer, or start with a HUD-approved housing counseling agency , to discuss a repayment plan that works for your situation. WELLS FARGO DID NOT FOLLOW THIS RULE, THEY REQURED A FULL AMOUNT OF COVID FORBEARANCE AND WHEN I WAS NOT ABLE TO PAY IT THEY TRANSFERED A LOAN TO A COLLECTION AGENCY WHO STARTED A FORCLOSURE LAWSUIT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60561
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I XXXX XXXX am the legal heir and only child of XXXX XXXX XXXX, during the care of my mom, I discovered that my mom was being victimized by her mortgage companies. The house that she and my step father originally purchased was compromised by an existing second mortgage or personal loan. The amount that they stated she owed on the mortgage was XXXX that Wells Fargo assess to the house at the time. I contacted several companies for my mother trying to get that corrected for during the time of conservatorship. I hired several attorneys to deal with matter, none seem to be able to help us efficiently. My mother paid and struggled all of her life for her to have a home that is now in foreclosure and about to be sold, and the way that Wells Fargo went about it is less than humane. The courts that is involved in the matter created a domino effect and confusing avenue of failure in order for me to fail and mislead me to believe that everything that I was doing to help my family would be okay. They force us out of my mother 's house, took all our possession and gave me no monies that was due to me. I have been paying the taxes on the property. I followed proper protocol with the courts and the adversaries never once appeared in court and never met with me and my attorney. The agencies that I contacted provided no assistance in the matter. Wells Fargo did not provide my mother with the proper insurance in case something did happen to my mother that her house would be covered under the insurance knowing my mother 's illness. My attorney issued me the deed to the house so how has the house been foreclosed on. You may call me at XXXX. i
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39443
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A