Date Received: 2023-06-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I filed a complaint in XX/XX/XXXX. CFPB XXXXXXXX XXXX XXXXXXXX. I took out a loan with Wells Fargo Mortgage. We had a high interest rate and tried time and time to do a loan modification. We were denied each time with no reason and Wells Fargo foreclosed on our home in XXXX. My complaint was filed because I wanted to know why we were denied time after time. Wells Fargo could not give me an answer. They said they had no records of that which is unacceptable because they had all other records and dates. I am asking for the reason we were denied a loan modification. They knew the payment was too high for us and would not help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As explained in numerous prior CFPB complaints against Wells Fargo, account ending in XXXX was opened by Wells Fargo reps which I did not request. A debit card purchase made under account in amount of {$290.00} from XXXX was made in XXXX of XXXX, package shipped by XXXX, signature was forged by XXXX driver XXXX package left where it was lost/stolen .... A dispute was filed with Wells Fargo for non-receipt of item, a provisional credit issued in amount of {$290.00}, it was later reversed back out of account, Wells Fargo accepts forged signature as true and correct and refers to purchase as authorized which has nothing to do with non-receipt of item.. Two external funds transfers in amount of {$50.00} brought the account to - {$190.00}, later charged off and sent to a third party collection agency. Wells Fargo replied in part to this issue by sending mediation request forms, a total of three of these such forms have been filled out, submitted, two marked as duplicate, case number provided for third request, number XXXX which is attached to complaint. The letter is dated XXXX of this year, stating a rep would reach out, no one reached out and when I call the number provided on letter, I am told call will be disconnected and refer back to prior mediation in which case, no payment received ... .Needless to say, this is a mere runaround, which is common for Wells Fargo XXXX The prior mediation is from XXXX and relates to older accounts opened by Wells Fargo which I did not request... The case ID for that mediation is XXXX, I was offered a payment amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00}, payment sent to my old address in error which Wells Fargo reps will not admit to. Payment was sent in XXXX of XXXX, I moved in XXXX of XXXX to my current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Payment was sent to my old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Wells Fargo reps initially replied to this issue by referring to check as cashed, in which case, not by myself. When investigated and unable to recover funds, Wells Fargo refuses to reissue check despite their own error in sending check to incorrect address. Additionally, Wells Fargo has reported the amount to IRS for tax year XXXX, XXXX form is attached... I've requested Wells Fargo correct this form to show no such payment received, failing to reissue payment ... Wells Fargo replied to this issue by referring me to a tax professional whom advised 1099 form needs to be corrected, if not, I am liable for taxes on reported amount not received..When I brought this to Wells Fargo attention , they appear to refer back to prior replies which do not address it. I believe the CFPB can see this is a runaround. With regard to these issues above, Wells Fargo reps reply with various lines ranging from referring to prior replies, stating litigation is involved and refuse to reply, claim no new information provided and ignore information already provided... In closing, please advise Wells Fargo to correct IRS 1099 form if they will not reissue payment. With regard to account ending in XXXX, their mediation request forms appear to be a run around, I suggest refunding the XXXX purchase in amount of {$290.00} which will bring account positive to amount of {$190.00}, refund this amount back to me as account is now closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: You are a receipt of this communiqu as an addendum to the " case or escalation to executive offices '' by XXXX XXXX at XXXX XXXX EST today, Tuesday, XX/XX/2023 that should be tied confirmation number she held out, which is XXXX. I'm fed up, over the last two days, I've wasted too much time with this XXXX The subject title of this email is inaccurate. The phone number is active, it was just removed from XXXX owned by Wells Fargo, et al ( i.e., parent entity " XXXX XXXX XXXX XXXX XXXX '' is actually owned and control by several different large banks as a way to mitigate their liability of occasional incidents stemming from bank to bank transfers ). The reason why I removed this phone number is because Wells Fargo has not allowed me to access and/or control my funds. Around this weekend that began on Saturday XX/XX/XXXX, I attempted to do a bank to bank transfer via the " Transfer Money '' link, once the tiny deposits into my other or external bank account were confirmed, but was prevent per the asinine purported need in pop-up to " Verify my Identity '' as attached. I tried to XXXX but was prevented for the same reason. When you dial the phone number to reach a representative they purport that they can't send a text message to a phone number one phone number was to a prepaid XXXX voice XXXX XXXX number the other phone number that has been enrolled on the account and able to accept text messages from Wells Fargo XXXX and has received text messages from Wells Fargo XXXX the representative states that the phone number is not eligible. One purported consumer advocate " XXXX XXXX '' insisted in a XXXX XXXX shouting match that the problem is with XXXX XXXX XXXX blocking short code text. However, XXXX dissolve that claim stating that it's only XXXX and XXXX XXXX as phone carriers who block short code tax. She further states that only XXXX an XXXX XXXX XXXX allow short code text. Regardless of whether it's a postpaid carrier, prepaid carrier, or VoIP, I've been able to receive text messages to XXXX from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and many others to confirm my identity, but Wells Fargo purports that the phone number is not eligible to receive text messages. I don't think that anybody tried. In fact I never experienced anyone from Wells Fargo trying to send me a text message of a short code to verify my identity. It is only been XXXX who has stated that the system doesn't even give them the option to radio the short code to me in order to attempt to verify my identity. All of this is XXXX and I'm XXXX a game being played and I don't know, I will never know who started the game to waste my time. It's already a XXXX problem that XXXX and XXXX minorities have very scarce access to debt and equity capital, it's another XXXX egregious thing when a huge entity such as Wells Fargo implements practices that restrict our access to our own capital. Wells Fargo has held out this oppressive, repressive, suppressive in a restrictive practice unwarrantedly. It reflects institutional XXXX and/or XXXX. If it's not XXXX or ethnical XXXX, it is definitely zip code XXXX ( which isn't much different, socioeconomically speaking ), as forcing us to visit a Wells Fargo ATM to verify our entity, because the representatives via XXXX have NO logical XXXX century solutions as submitting a case to make a mobile phone " eligible '' to receive short code text that will take at least three days to process isn't a solution, and Wells Fargo doesn't have ANY branches, ATM 's or partnerships with entities such as XXXX for us to do Wells Fargo transactions at another bank in Michigan, Indiana, Ohio or Kentucky. Like XXXX does a phone number have to do with my identity? The CTO and CIO should be fired! I have six accounts with Wells Fargo, two on the debit side and four on the credit side. I open this account online they refuse to fully open it based on forcing me to prove my identity with the banker the banker in XXXX land was puzzled by the whole ordeal considering the fact that I presented four Wells Fargo credit card accounts she could not believe that Wells Fargo could not verify me based on that type of my PII data already within their system. Wells Fargo has received two direct deposits from my part-time employer into my checking account. As such, there is a ponderance of evidential PII sitting within the Wells Fargo database to verify me. I only opened a checking account because of it's and seemingly national brick and mortar footprint. I tried not to XXXX against Wells Fargo based on their previous deplorable reputation, but I see nothing has changed. Wells Fargo 's psuedo pose to respect our privacy and protect our identity has sheerly proved to be a charade of puffery masquerading as accountability. As the attachments reveal, no other bank that I've ever received a direct deposit through has ever revealed or disclosed any aspect of my social security number ( SSN ) on the line item of the deposit. The attachment shows how the statement wants delivered to me will be presented. If that piece of mail in which the statement would be enveloped is lost or destroyed and it opened, it would expose me to the detrimental results of the mind a bad actor ( i.e., compromised indentity, fraud on compounding basis, and a myriad portion of my/our lifetime wasted ). Thus, there is something to be said AND DONE about this careless and/or thoughtless mindset and behavior held out by Wells Fargo . It's already a XXXX problem that XXXX and XXXX minorities have very scarce access to debt and equity capital, it's another XXXX egregious thing when a huge entity such as Wells Fargo implements practices that restrict our access to OUR OWN capital. Here are some solutions : ( 1 ) as stated previously, the Wells Fargo CTO, CIO, CFP, and/or CEO should be fired immediately, ( 2 ) our SSN should be removed from transaction line items on our checking account statements that reflect a direct deposit and maintain safe keeping of our SSN for internal purposes only. ( 3 ) Wells Fargo call center representatives should be allowed to allow un-stall a transfer to be processed once the customer calls in and has completed the appropriate identity verification process AKA " been verified ''. ( 4 ) Wells Fargo should be forced to partner with XXXX so as to expand our it's customers access to and control of XXXX funds. Anything else to the contrary is simply a worthless excuse to continue the excessive and a classist practices of oppression, repression, suppression and intentional infliction of emotional distress that could become the cause of sane person " snapping '' or converting into an unstable person motivated to do something detrimental to society in order to achieve revenge from being exploited, which is the reason why call most center representatives refuse provide their full legal name, correct? Anyway, based on this asinine malarkey experienced, and I know that Wells Fargo will not fire anyone actually responsible for this poor experience, I demand that they deposit the {$320.00} bonus IMMEDIATELY that was offered by opening the checking account once a total of {$1000.00} in direct deposits were received, opposed to forcing me to wait the purported " 90-day qualification period '' to determine whether I satisfied the requirements to receive the bonus. This request is coupled with refraining from employing retaliation against me is the very least that Wells Fargo can do to pacify me today. Appreciatively, 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: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This is an addendum to COMPLAINT XXXX as I forgot to attach important pieces of information. Appreciatively, 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: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
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: I am submitting a complaint regarding a company that has refused to remove late payments that were a result of job loss and COVID-19 related issues from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Due to the pandemic, I experienced a significant loss of income, which led to difficulties in keeping up with my account payments. Unfortunately, late payments were incurred as a result of these unforeseeable circumstances. Despite this hardship, the company has not acted in good faith and has refused to remove the negative reporting reflecting this hardship. I believe that the company in question is in violation of the FCRA. The act specifically states that credit reporting agencies must report accurate and complete information. The reporting of these old negative instances, even after the consumer has made efforts to settle outstanding balance and work out a payment plan, fails to provide an accurate and complete representation of my credit standing and worthiness to prospective creditors. I respectfully request that the CFPB review this situation and that necessary action be taken for the company to comply with the Fair Credit Reporting Act. In addition, I am requesting that all negative instances reflecting hardship be removed as a reflection of the extraordinary circumstances presented. Thank you for your attention on this matter and for your support in restoring my creditworthiness. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Multiple deposits were made to an account that turned out to be fraudulent. Through Wells Fargo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo has placed many overdraft fees on my account that were unfounded. I have notified the bank and they did not resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77511
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 direct deposit through my job at XXXX XXXX, the bank allows their customers payday loans before they get their paycheck knowing that it's going to be deposited I was overcharged and over billed which caused my account to be closed. In this lawsuit Wells Fargo lost I do for a payback more than {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77088
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were multiple fraudulent charges on my account. 2 of them were rejected by the bank but one transaction that was not performed by me was authorized. on XX/XX/2023 I received texts from wells Fargo that there was suspicious transactions of XXXX which was rejected and XXXX which was processed. There was another one from XXXX XXXX but I no longer have that amount as I had already called wells Fargo for them to take action but that one was rejected. They denied my claim on the XXXX transaction at XXXX XXXX XXXX store. I showed them GPS movement of my location on the XXXX when I received the texts and the XXXX which they indicated when the transaction was made or when it was completed. My location indicated I was not in the area of that store. Also, they supposedly sent a replacement ATM Debit card for my expired card which I never received. I received a notification on XX/XX/2023 that the replacement card shipped but I never received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A