Date Received: 2023-06-02
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My car was repossessed in XXXX of XXXX after I was only behind and my monthly payment was somewhere in {$500.00} and I've always been behind because they at Wells Fargo denied my request to change payment because I was paid twice a month. I submitted at least three to four requests to change payment due date over the course of this loan that started in XXXX. They did not allow me covid relief when my payment was late by {$500.00} for the month not including late fees and interest they repossessed me and they should not have recessed me over {$500.00} for the month because it was common for me to pay in two installments over the month and I had called requesting that relief due to a change in circumstances and I was denied help by Wells Fargo. They sold my car for {$750.00} and they are refusing to give me a settlement price. Also at time of repossession I was never told that my car would be sold that month by any source. I lost at least {$200.00} worth of personal possessions that was in my car that the impound dealership or wherever my car went refused to let me know how to get my things. Wells Fargo will not reimburse me for my things or even hear that I lost {$200.00} worth of personal property including a tackle box from XXXX with my grandfather 's fishing equipment in it that may or may not have been worth a lot at auction but I know it was worth a lot to me. I continue to call and ask for a settlement price after they sold my car and they are refusing to give me a settlement price which I know my rights are to have that ability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14420
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've suffered from two big negligent problems with this XXXX XXXX XXXX : 1 ) I never received a bill, nor ever was notified that my bill was due or close to overdue. There was zero communication from XXXX XXXX except for promotional emails about accumulating points and spending points. 2 ) This XXXX XXXX advertises itself exclusively through its website and cell phone app. The only way to create automatic payments is through its cell phone app, but the cell phone app was always broken and wouldn't let me log in ( even though I was using the SAME username and password from the website ). In other words, the cell phone app was too buggy to use, so their advertised " automatic payments '' were dis-functional and un-usable. I've included photos from today of this dis-functionality between the web interface and cell app interface. The lack of any billing notifications, and the dis-functionality of their web/phone interface resulted in me never being informed of my overdue bill, nor able to setup auto payments for it. These problems are likely because this credit card is very new, and the web/cell interface is very new. It has bugs. Also there was zero customer service available by phone or email or webchat for over 3 business days that I tried to contact them. This resulted in an overdue status on my bill and a late fee. Due to their faulty system, I'm requesting that this XXXX credit card completely remove the overdue bill history of my account and restore my account history to a clean history so my credit scores don't get damaged from XXXX 's negligent faulty bill payment app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11217
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The information below is the original complaint I filed. Please escalate this complaint because Wells Fargo is doing the same thing they did to me which caused a problem with my loan and later they refused to modify my loan. They NEVER offered me a modification. Again, I have phone recordings from their employees saying they didnt understand why WF didnt put me in a HAMP modification. The employees also state that WF tried to offer me something that was NOT a modification. When I talked to several employees at headquarters, they couldnt believe WF tried to wrap their error into a package. The deal they offered was to increase the amount I owed without correcting their mistake, increase my monthly payments by {$400.00} a month and pay {$3000.00} down. I think I mentioned that my husband died, I was a widow with a XXXX XXXX XXXX child and I didnt have any extra money and is the reason I was trying to get a modification. I was trying to modify my loan to LOWER my payments NOT INCREASE them and keep my son and I in our home. I NEVER signed any papers or made any agreements with WF. I can prove it through LOTS of recordings. Please have someone OTHER than WF Representatives to contact me please. Then I will provide EVERYTHING I have to anyone but WF. THEY HAVE NEVER TRIED TO HELP ME OR ANYONE ELSE. Based on how WF handles things, its clear that they discriminate against minorities. REPOST : I was one of the customers of Wells Fargo who was denied a HAMP modification. I have not received anything from Wells Fargo. Because I lost my home it would probably be hard for anyone to reach me. Actually, I should have been one of the first people WF reached out to because I fought hard and long to get them to correct my account with excessive fees, etc. Immediately after my husband died, I found out that Wells Fargo messed up my loan by creating an escrow account claiming I owed money for my taxes which had been paid. Also, when I carefully audited my account I found they had added a bunch of unnecessary fees. Wells Fargo double paid the taxes on my home. I contacted each taxing authority to sort things out and get proof, which I sent to Wells Fargo. Even after Wells Fargo received the proof and each taxing authority REIMBURSED them, WF still did not remove or correct the error on my account. Later I applied for a HAMP modification which I was MORE than qualified/eligible to receive and was turned down more than nine ( 9 ) times. I worked with the people that were setup to help with modifications, I even paid people to modify my loan and each time I was denied. No one could understand why I wasn't getting approved. My attorney spoke with WF attorneys and WF 's attorney 's didn't understand why I wasn't being approved. Due to my persistence, at one point my account was handled by executive offices and even WF 's employees could not understand why I wasn't being approved. My home ended up in foreclosure several times and I even filed a lawsuit against Well Fargo and all their servicing companies. I wrote to Washington begging for help! After fighting to keep my home for years, I lost it in 2015 and became homeless. I was separated from my son and basically lived on the streets with my 2 little dogs. By the grace of GOD my son was able to stay with some friends of his until he graduated high school and went to college in XXXX XXXX. I still have all of my documentation where I filed lawsuits against Wells Fargo and if you XXXX me on line, you can find copies of it. I eventually had to give up the fight because I couldn't afford counsel, didn't have the knowledge or expertise to fight against WF 's team of lawyers and lost my home where I didn't have access to computers, printers or anything else needed to fight. The shocking and amazing part of my story is that I was able to help 20 people to modify their loans and get approved for a HAMP modification... ..but couldn't get mine approved. The people I helped were in a worse situation than I was ... .but, they still got approved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Wells Fargo fraud department contacted the consumer at approximately XXXX XXXX on XX/XX/2023 and notified him/her of a transfer of money from his/her checking account to his/her savings account and an electronic wire transfer in the amount of {$25000.00} from his/her savings account. The consumer confirmed with the representative that this activity was fraudulent and not initiated by him/her. He/she was instructed to login into his/her Wells Fargo account and walked through a series of steps that was supposed to cancel the pending wire transfer. At this time, the representative stated a fraud claim was being initiated and the username and password to his/her online banking was changed. During the course of this conversation, the consumer confirmed the phone number was the Wells Fargo XXXXraud department number. The representatives stated that the money would be returned to the consumer 's account by the next day, Saturday XX/XX/2023. Later that afternoon, the consumer attempted to login to his/her online banking account but was locked out. He/she then contacted the Wells Fargo fraud department at approximately XXXXXXXX XXXX. At this time, the representative did not have any history of a fraud claim being initiated earlier in the day. A new fraud claim was begun for the online money transfer and wire transfer which had been posted. His/her username and password to his/her online banking were once again changed, his/her checking and savings accounts shut down, and two credit cards were turned off as it was obvious his/her online account had been hacked. New accounts were opened and new cards issued. He/she was told at this time that the fraud department would be investigating the fraudulent activity. As of Tuesday XX/XX/2023, after speaking with an Executive Case Manager assigned to this fraud claim, the consumer was informed that the initial phone call was from a spoofed phone number posing as the Wells Fargo fraud department. The initial phone call was actually made by scammers and during the phone call they had actually instructed the consumer in completing the wire transfer. On XX/XX/2023, the consumer received a letter in the mail from Wells Fargo post marked XX/XX/2023 stating that the fraud claim had been closed and the investigation determined that the wire transfer was not fraudulent because it was initiated from the consumer 's online account. The letter claimed that the consumer must have either initiated the transfer him/herself or shared his/her login, and therefore the fraud was essentially the consumer 's fault. Wells Fargo is refusing to consider the wire transfer fraudulent despite admitting that this is a scam. The consumer has now had {$25000.00} stolen from their account that Wells Fargo is refusing to reimburse. Well 's Fargo online banking system is insecure and allowed this to occur, yet is not being held responsible and instead the consumer is being held responsible for the fraudulent activity that occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft, these accounts was open fraudulently. I need them remove
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: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: After obtaining a Wells Fargo loan on a used XXXX from XXXX XXXX, there were several issues from the start including thousands dollars of tax charged that even after multiple attempts to remedy, as my home state, New Hampshire does not have sales tax alerted me to the fact that they had refunded the amount from the loan to the dealership who then blamed it on Wells Fargo and years went by without remedy of loan amount adjustments or a refund from the dealer. After learning of my scheduled payments not being received due to a security breech from my bank which had always made auto payments as scheduled, I was made aware that there was theft in my personal account and all proper reports and paperwork were completed. I then contacted Wells Fargo to make payments and inquire about excessive and unexplained charges and fees. Despite my attempts to remedy any issues, the Wells Fargo representative said they refuse to allow me to make payments and my car loan would either need to be paid in full immediately or it would be repossessed. I pleaded for clarification and to speak with someone else to which I was dismissed and rudely had my call ended. I was well into my loan and my car had little to no mileage and actually was valued well beyond my overdue payments or even the loan balance. After repeated attempts to remedy, they sent someone out to repossess my car with all of my belongings as well as that of my childrens sports equipment and expensive camera equipment that was loaded up for my next job. Without any information or ability to reclaim thousands of dollars of my personal items, illegal charges, and deceptive practices, I was informed that I would be receiving some financial remedy for a class action suit. I received nothing and despite my ability to remedy or pleas for consideration, I too was a victim of their deceitful practices. I will not sit idly while big corporations to capitalize on their power to exploit their customers and would like clarification and an update on my settlement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
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: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I used my XXXX XXXX XXXX to replaced my old XXXX XXXX XXXX XXXX. XXXX sent me a new XXXX XXXX XXXX XXXX by holding {$1000.00} until they received old broken XXXX XXXX XXXX XXXX in last week of XX/XX/2023. XXXX acknowledged via email on XXXX XXXX that they received old XXXX XXXX XXXX XXXX. I waited around two months apple to release {$1000.00} hold money. Since I didn't get the hold money, I contacted XXXX customer service. Since there are so many division within XXXX, customer services keep transfer me to different division of XXXX but non of them able to refund the money. After I tried to called XXXX multiple times, I decided to contact my bank ( wells Fargo ) to report an authorized purchase. Well Fargo initially return the money, but reverse their decision first on ground of no proof of the purchase product returned. Once I gave them proof of return the product, they denied again with ground of outside 120 days wells Fargo to initiate dispute with seller. When I told the wells Fargo escalating team customer service member that, I filled on time the claim and it is wells Fargo responsibility to dispute with the seller within legally allowed time frame, the supervisor hung up the call on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So a few month 's ago, my wells fargo account was broken into and someone deposited a fake check, sent the money to 2 separate accounts then when the check bounced my account was overdrawn XXXX dollars, and I tried submitting multiple claims, got transfered multiple times and waited long periods, finally got the claim and they denied it a few days later. Cut to now and they closed my account and sent my balance to debt collectors and I'm still working on trying to get this issue resolved and the same problem happened where they kept transferring me and barely looked into my case. They keep saying I authorized it but it happened when I was asleep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: When I banked with Wells Fargo from XXXX, I received several overdraft fees amounting over {$200.00}, despite having a student banking account. Some fees were even added despite me covering the overdraft within 3 hours or less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
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: I bid on a piece of heavy machinery at an online auction XXXX and won. I provided my driver 's license number and wired {$26000.00} dollars on XX/XX/2023 to a Wells Fargo account under the name of XXXX XXXX XXXX XXXX XXXX I received an invoice and shipping information but never received equipment. At first the representative for XXXX XXXX answered the phone and made excuses for why it wasn't shipped. I asked for a refund, and he said it would be back in our account in 24 hours. Then he stopped responding. I never received a refund or the equipment. I immediately asked for a wire recall be done through my bank ( XXXX ). Wells Fargo originally said that our wire was received and called me because they thought it might be fraudulent. They told us the money was in the account and should be able to get it back. Then XXXX and myself neither one were able to get any info further from Wells Fargo. I still do not have the purchased equipment or the money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40503
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A