Date Received: 2023-06-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We tried to refinance our HELOC with Wells Fargo, but were told we didnt make enough money. Our income didnt change between the time we were approved by them and the time we want we to refinance. This was a major reason why we ended up in foreclosure and lost our home in 2010.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or about XXXX XXXX XXXX Plaintiff ( Hereafter XXXX XXXX XXXX involuntarily and erroneously received two deposits into her checking account in the aggregate amount of XXXX XXXX Dollars ( {$3000.00} ). I immediately contacted XXXX XXXX ( XXXX XXXX XXXX ), the individual whose account the funds originated from. XXXX XXXX indicated to the me that he was on the phone with a representative of Wells Fargo discussing the erroneous deposits that did not belong to XXXX XXXX. On the direction of the representative on the phone, XXXX XXXX requested that I return the erroneous deposits through the XXXX XXXX, the method in which the deposits were received. I proceeded to enter XXXX XXXX phone number into the app to return the funds. Since he is my " X '', he was no longer saved in my account history. He relayed his phone number to me and I typed it into the app, I even read it back to make sure I had the correct number typed into the app. I transferred XXXX XXXX Dollars ( {$1000.00} ) to XXXX XXXX via the XXXX app. The App would only permit me to transfer a maximum of XXXX XXXX Dollars. XXXX XXXX, upon advice from the " bank representative, '' asked me to send the remaining funds through another cash app. Concerned about fraud and deception, I declined and indicated I would reach out to Wells Fargo directly to resolve the remaining erroneous deposited amount. Upon contacting Wells Fargo, and for security reasons, Wells Fargo recommended that I close the account and open a new checking account with a new account number. I complied and closed the existing account and transferred the remaining funds to a new account within the same bank. I expected that the bank would correct the erroneous deposit by withdrawing and returning to XXXX XXXX the remaining XXXX XXXX Dollars ( {$2000.00} ). On XXXX XXXX XXXX The Bank removed XXXX XXXX Dollars from my account in an attempt to correct the erroneous deposits made on XX/XX/. I immediately contacted the Bank regarding the incorrect amount removed from the account, which should have been XXXX XXXX Dollars ( {$2000.00} ). The bank opened an internal claim to investigate the matter. The Bank determined that the XXXX XXXX Dollars was already approved and processed and could not be returned. Furthermore, the bank advised that it had notified the receiving financial institution and submitted a request to the receiving financial institution to have the funds returned, '' however, both XXXX XXXX and I use Wells Fargo. Since Wells Fargo is the sending and receiving institution for both XXXX XXXX and myself, the bank sent itself a notice to return the money. A series of communications ensued between me and the Banks customer service representatives on this matter attempting to explain the amount deducted on XX/XX/XXXX was for the incorrect amount. The Banks customer service representatives and internal investigative agents are unable to comprehend that the XXXX XXXX Dollar original erroneous deposit should have been offset by the XXXX XXXX ( {$1000.00} ) payment I made on XX/XX/. The Bank suggested I ask XXXX XXXX to file a claim that he never received the XXXX XXXX Dollars ( {$1000.00} ) I sent back to him through XXXX at his request. XXXX XXXX told me that he went into Wells Fargo and they told him he is not the one that needs to file the claim. The Bank is either unwilling or unable to distinguish that XXXX XXXX Dollars was already returned directly to XXXX XXXX. The Bank improperly removed XXXX XXXX Dollars ( {$1000.00} ) from my checking account and has not corrected the error. Since then, I have hired an attorney and we have a court date in small claims court on XXXX XXXX XXXX at XXXX at the XXXX XXXX of Maryland for XXXX XXXX XXXX My attorney 's information is XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MD XXXX, XXXX, XXXX. I have attached a copy of the statement of facts.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 44077
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on my payments for a home equity line of credit due to Covid 19. Wells Fargo allowed me to suspend payments and recently I was working with them to do a modification. I was initially informed that the payment would be reduced and the loan could be modified after making initial 3 months of trial payments. On the XXXX month I was sent a packet with documents detailing the new agreement and asked to sign off and send to them within 15 days. After reading into the detail it showed that my payment would be increased on the 2nd and 3rd year to an amount higher than initially told, When I spoke to the home preservation department I received conflicting info and no clarity to how this happened. I was told by a rep that I could think about it and that the time period wasn't exactly 15 days but I should just keep paying the monthly trial payment. I proceeded to make a total of 4 payments and when attempting to make my 5th payment I noticed the account was missing from the web portal. I then received a letter stating that the modification was cancelled. When I spoke to the bank they informed me that I was in foreclosure and I would have to re apply for assistance but first send a letter stating why. I'm now waiting for another application but was told that this could be done online and an email would be sent to upload any needed documents. After waiting a week I received no email and I'm still waiting for the application. I don't feel they have been trying to help with anything and I simply want to get this resolved before a foreclosure happens. I received a letter with the inten to foreclose and I'm very unhappy with the deceptive tactics being used by them. Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023, money to some unknown bank accounts through XXXX on wells fargo, someone, and i think it was my little brother, sent money and im guessing he got scammed for some item not received or something through my bank account and was pressured to do so he said and got blackmailed, not sure he did not want to go in detail but he sent {$450.00}, {$350.00}, to one person on separate statements, and {$300.00} to another person, both people 's name look fake like XXXX XXXX & XXXX XXXX. This was all unauthorized on my end and unknown as i thought my little brother was downloading free games as he said. XX/XX/2023 i make a claim through the phone. i'm struggling to pay my debts and this incident has not helped nor wells fargo, i tried calling them, and after many operators a claim was set, but the person over the phone who made the claim made it against me in the sense that the claim done for the XXXX transactions were " authorized '' on my end when they were not, i made sure to say that they were unauthorized but thats how it was put by them. I get a letter saying it was closed as it was authorized when it was not, i call again today and said although closed they sent and did another case to XXXX themselves, and either the operator on the phone lied to me or something but gave me the XXXX case number filed by wells fargo and after hours of many operators none could find a case number relevent to the one given to me from wells fargo 's XXXX case just mentioned. I've been misinformed by wells fargo on " help '' that they've tried giving me and making it hard for me to get my money back, beyond displeased, i'm close to filing a police report and getting lawyers involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77550
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 amount XXXX wells fargo just deny my claim even after showing them the proof and a police report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I spoke with a customer service representative for Wells Fargo and asked them if I could mobile deposit my fianc check into my account because he doesnt have a active checking account they advised me that it was possible as long as he endorsed it on the back so we followed the instructions and it cleared and I shredded the check as we had no use for it once it posted. On XX/XX/XXXX I got a alert on my account that my account was overdrawn by XXXX dollars due to a duplicate mobile deposit to my account so I called the customer service to investigate and went into the branch and no where does it reflect anywhere on my account or statements since XX/XX/XXXX of a duplicate mobile deposit for the same check that was deposited on XX/XX/XXXX for the amount of {$300.00} dollars. So they said they had 10 days to investigate they sent me a letter stating that the check was now deposited on XX/XX/XXXX into a other account at wells Fargo which is impossible because it was shredded and disposed of almost a year ago. The story doesnt add up because first they stated I mobile deposited it twice and then now someone else who isnt my fianc deposited into a account at Wells Fargo when he doesnt have a account with you and I only have the XXXX checking account how could they have done that without it flagging that the check has already been deposited almost a year ago to my account? How did Wells Fargo create XXXX different scenarios when if someone tried to deposit a duplicate check to their account they would get fined and not the person who it has already posted almost a year ago this is a internal error or fraud Ive spoke with many people who say Wells Fargo has many lawsuits for this type of scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92316
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On Friday, XX/XX/XXXX, I was logged into my Wells Fargo account and a CD offer popped up that had pretty good terms for XXXX XXXX The terms stated : XXXX CD Special Offer ( minimum deposit of {$5000.00} ) Renews for XXXX term Annual Percentage Yield ( APY ) : XXXX XXXX Special Interest XXXX : XXXX XXXX Relationship XXXX : XXXX XXXX Relationship Interest Rate XXXX XXXX XXXX The numbers are not the same as this is a screenshot from today. I believed I had relationship banking because I have been a customer since XXXX ( XXXX XXXX ) and had XXXX Banking, savings, and Money Market. I was thinking I was getting the Relationship rates. As I continued with the application online, I selected that XXXX CD Special Offer and completed my information to transfer {$200000.00} to this CD from another account. As the process went to terms and complete application, I was not informed the interest rate until AFTER the application was approved ( Monday XX/XX/XXXX ) in an email. I was surprised. I went to my local branch and spoke to the branch XXXX and rep there and they tried to change it ( along with changing my accounts to the NEW proper account types ). They tried to do a modification but was told they couldn't and I was very unhappy and said I'd like to file a complaint. They filed it for me and I was sent an email the next day saying the response could take XXXX business days. I waited and tried to contact the compliant specialist. It was a difficult time to connect with her and she did not share any correspondence with me or when I called, no one else was able to help me because there was already a person on it. I finally got in touch with her today ( XXXX weeks later ) and she said she could not do anything for me. I believe I was mislead of the terms of this CD and should have been told the exact interest rate at the time of the application terms. I thought I had relational banking as I been a customer since XXXX and had that package.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Wells Fargo refused to credit back to XXXX XXXX from my account that they put into my account after i did an accidental triple transaction through my city. When i contacted Wells Fargo initially on XX/XX/2023, i called them to recall XXXX of the XXXX transactions. At that time, the agent i spoke with told me that it was happening automatically, and i had to do nothing. Also during this time, i was never told of, or made aware of, that two provisional credits that were attached my account, nor was i ever given a Claim number in reference to these recalled transactions. When i called Wells Fargo on XX/XX/2023, They denied everything i said, and claimed that i had been given a claim number and even sent it via XXXX mail and in my online Banking message center. I even told them that the local government contacted me directly and reversed two of the transactions, yet Wells Fargo still had the audacity to go into my account and pull the provisional credits i was never told of or had in my account. The XXXX XXXX account XXXX, denied everything i said, and blamed it on me, saying that i had started the claims process ; which i never recall happening, since the agent i spoke to on XX/XX/2023 never said there was going to be a claimed opened, that they were just going to reverse the transactions automatically on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Someone was selling 2 tickets to an event for {$480.00} total. I messaged them over XXXX XXXX and I sent {$100.00} through XXXX to the seller for insurance purposes on XX/XX/2023. Then the tickets were transferred to me over email from frontgatetickets.com. Lastly, I sent the rest of the money ( {$380.00} ) through XXXX on the same day as the payment continued to fail on XXXX, which was the first thing that made me suspicious. I then realized tickets can not be transferred through frontgatetickets.com. I found out later that the seller deleted their XXXX account, so I was unable to message them. I bank with Wells Fargo and completed my XXXX transfer through them, so I called the bank and they opened a claim for me. Wells Fargo sent me a letter notifying me that the money could not be returned to me as the transaction was authorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A