Date Received: 2023-05-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please reopen the recent Complaint No. XXXX. CFPF closed this complaint prior to the time allowed for response to the mortgage holder reply to the complaint. The Complaint was closed on XX/XX/2023, the reply from the mortgage holder was dated XX/XX/2023, however, it was not received until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now requesting an extension to reply. Or would CFPB require I open a new complaint. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Had an account with wells fargo auto loan. I purchased a used car for {$6000.00} and I finished paying the auto loan for {$21000.00}. I believe that Wells fargo charged me interest that I didnt agree to on the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXXXXXX Dear Sir or Madam : I am the victim of identity theft. My ATM/Debit card was lost or stolen [ or was used for an unauthorized transactions ] on consecutive dates from dates mid XX/XX/XXXX ; XX/XX/XXXX. I did not authorize any transactions on or after this date, for merchants and I did not authorize anyone else to use my ATM/Debit card in any way. I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or stolen ATM/Debit Card for unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this account including but not limited to the following : Merchants or Names I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : my FTC Identity Theft Report the police report about the theft of my identity The CFPBs Notice to Furnishers of Information Account has been closed in XX/XX/XXXX, restore any funds which have been withdrawn from my account from merchants. I have contacted through email and had resolution to my funds being recovered. This will be the 4 th time asking Wells Fargo to take further action to recover my funds. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any Funds have been restored and because of the closure to account ending in XXXX is closed, please advise me how I will receive my funds. Sincerely, Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information [ PDF ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Confusing closing, charged a higher interest rate than originally quoted. Mortgage loan officer did not attend as promised. The closing agent attempted to contact the Wells Fargo loan officer but loan officer didnt answer the calls. I also had a problem with Wells Fargo failing to process mortgage payments timely and accurately. Resulting in missed and late payments charges Mishandling my payments. They even returning payments to me and later claiming that payments were not made. Wells Fargo said I defaulted on the loan and proceeded to wrongly foreclosure on my family home. My husband XXXX children and I were homeless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A XXXX with Wells Fargo referred back to prior CFPB replies to below complaint which claim to have " thoroughly addressed '' issues detailed herein. First, this appears to be another alternate reply, prior rep referred to litigation against Wells Fargo, refused to reply, in which case, there is no lawsuit under my name against this institution.. A second rep referred to prior replies, also refused to reply... Second, their reply does not appear to be " through '' as they claim, I've detailed runaround received pertaining to IRS reporting of funds not received, was referred to a tax professional by a Wells Fargo rep in re, in which case, was advised by professional, IRS reporting needs to be corrected to show no payment received or I am liable for taxes on amount reported by Wells Fargo..Third , various run-arounds by Wells Fargo reps detailed herein is not a thorough investigation as they claim.. The last rep replying on behalf of Wells Fargo replied by stating there is no new information in which case, rep appears to have ignored information provided including IRS reporting info from tax professional.. The amount in question, reported to IRS for tax year XXXX by Wells Fargo is {$510000.00}, check sent to old address after I moved, an error on end of Wells Fargo ... .Further, as stated by an intake rep, case rep handling below complaint at the time supposedly requested a refund in amount of {$290.00} which is mentioned in complaint as debit card dispute in said amount... To date, no such refund received ... Account ending in XXXX was opened by Wells Fargo reps which I did not request... The account was later charged off, left with a negative balance in amount of $ XXXX I believe, which includes a credit reversal in amount of {$290.00}, purchase from XXXX, a Mens t-shirt which was not received. Two funds transfers into the account in amount of {$50.00} bringing the balance to $ XXXX The item from Farfetch.com was shipped via XXXX, XXXX driver forged signature and left package where it was lost/stolen, as explained in numerous prior CFPB complaints ... Previously, Wells Fargo reps replied by claiming charge is valid, nothing to do with non-receipt of item and or forged signature... The charge was disputed as non-receipt of goods/services, signature forged... Wells Fargo rep replied with attached letter stating account was opened fraudulently, not by myself, not responsible for it. However, Wells Fargo has not credited back the amount of {$290.00} to date..I 've attached that letter here for review.. Further, two mediation request forms regarding this account, XXXX, sent to me as of recent, filled out, marked as duplicate, refer to prior mediation done in XXXX which pertains to older accounts ... ..Payment from that mediation never received, sent to old address in error by Wells Fargo, which they will not admit to ... Payment was sent in XXXX of XXXX, I moved to my current address at XXXX XXXX XXXX, New XXXX, XXXX XXXX in XXXX XXXX XXXX ... The payment was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ... Wells Fargo rep ( s ) claim to have verified address, no proof provided thereof. The check was cashed at XXXX, in which case, I do not have an account with this bank, appears fraudulent... The payment amount including IRS taxes totals {$5100.00}, reported to IRS for tax year XXXX, 1099 form attached to this complaint as well.. A prior Wells Fargo rep replied to this issue by referring to prior mediation from XXXX, in which case, no payment received ... .Further, a letter was sent to me from mediation, claim id XXXX, dated XX/XX/XXXX, XXXX, stating a rep would reach out, no one called me to date ... .Since no call received, I've been calling the number for mediation at XXXX, reps advise me they are to hang up call, refer me to executive office which is a mere runaround ... I've called Executive Office prior as well as Executive Phone Bank, given yet another case in which case, no resolution ... a mere run-around. As mentioned in prior, run-arounds appear to be the norm for Wells Fargo , a tactic used to avoid taking action pertaining to issues detailed herein. When referred to executive office, I called executive line as well as executive phone bank, was referred to XXXX Settlement Administrator whom has nothing to do with Wells Fargo Mediation, I verified this information by speaking with XXXX, a supervisor with XXXX Settlement whom I was referred to as a another runaround.. When brought to attention of Wells Fargo reps, we then talk in circles, they claim this is only number they have, I advise it is incorrect, they refuse to call number to verify... In closing, please advise Wells Fargo they need to credit amount of {$290.00} back to me regarding account ending XXXX. With regard to missing payment amount of {$5100.00}, options to resolve this issue include reissuing payment, failing that, correct IRS reporting information of payment to show non-receipt of it. Previously, Wells Fargo reps refer to me a tax professional regarding this issue, the tax professional advised me form needs to be corrected or payment reissued, I am liable for taxes on it... When this information is brought to attention of Wells Fargo reps, they ignore it, refer to prior replies and refuse to reply ... Referring me to a tax professional is yet another run around by Wells Fargo reps... Most recently, small remedy payments were sent to me, last payment amount of {$38.00} does not cover damages, do not know how Wells Fargo calculates amounts such as this ... .. Wells Fargo has had numerous law suits filed against it, has little to no credibility, was fined recently by the CFPB in amount of XXXX XXXX for handling of various products including auto loans, mortgages and deposit accounts such as this ... .please see article here : https : //www.consumerfinance.govXXXX Should this complaint be marked as duplicate, refused reply, it will be resubmitted and sent to other agencies.
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: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, I received a settlement check, but lost it. Wells Fargo wants me to give them the check number to verify. I lost the check, so I don't have one, and around we go. This was an older settlement. 2021, I think. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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 filed a complaint through Wells Fargo about an unauthorized charged from XXXX for XXXX XXXX I filed a claim. For only XXXX XXXX Wells Fargo took it upon themselves to file a XXXX XXXX claim without notifying me or giving me any call to get more information about the claim. I called Wells Fargo all they kept saying was I benefited from it because they gave the money back but that is not the point I was never notified of anything going on with the claim. Yesterday on XX/XX/23 Wells Fargo took the XXXX XXXX from me. Without me being notified the customer representatives failed to help me they were rude and just kept telling me I benefited in XXXX it is now XXXX with no notifications phone call or anything I didnt receive anything in the mail In regards to the claim it is not about the money it is about how they did it and I feel scammed they took it upon themselves to do a XXXX XXXX claim and not XXXX XXXX I just wouldve prepared myself for the money to be taken out and I needed that. They state there is nothing they can do to help. I just hate the rude customer service also when it is my money. When they took the money is when the claim was closed again I was not aware of any of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, XXXX XXXX I received an email from a scammer claiming they were my title company and the email looked completely legitimate telling us how to send wire for our closing cost on a home we were purchasing at the time. After wiring the money and then finding out a few days later that it was a scammer that got the title companys information and our personal information and email and knew exactly what our closing costs were. I then called our our bank Wells Fargo to submit a fraud claim and retrieve our ~ {$8700.00} they told us we had to wait 10 days for the investigation to happen and then we would get out money back. Since then Wells Fargo has not been cooperative and has told us they will not do nothing to get us our money back. Reference # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account at Wells Fargo and attempted an EFT transfer to Truist of {$100.00} that was denied on XX/XX/19 even though I verified the transaction through text message. Now as of Last night Wells Fargo shut off my virtual card through G pay for no apparent reason and would not give me an explanation why. I have multiple bills that are paid through my XXXX XXXX virtual account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I banked with this Wells Fargo for my business banking needs. It was many times that my account had a lot of errors, fraudulent withdrawals and more. I tried to correct many issues until I decided to stop banking with this company. I have lost out on a lot of money from these problems I faced while banking with Wells Fargo. Many times, my funds were not deposited in total. I had to deal with missing funds in small and large amounts. I had to file many fraud investigations. Many times, my card was charged for thing that I did not purchase. I have had problems with overdraft fees that caused many unpaid bill payments due to lack of funds. It was a total nightmare that led up to me just allowing the account to close on its own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A