Date Received: 2023-05-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo has told me they closed my account for depositing a third party check which is not true. I deposited a check to XXXX XXXX which is one of my registered dba that I had sent my fictitious business name statement to Wells Fargo when I First opened my account. This had caused me a lot of unnecessary problems for my organization.Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX on XXXX XXXX of this year 2023 I had over XXXX dollars deposited to my account and every transaction posted after that is fraud. The bank only let me take out a portion on my money and I need it all back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear CFPB, I have been dealing with this issue through Wells Fargo for over a year. During COVID I was offered a forbearance on my < {$40000.00} Home mortgage. I have been paying monthly on this loan for over 15 years. I was told that I could repay the part of the loan that I stil owed from the forbearance period, at the end of my mortgage payment. I am a XXXX XXXX XXXX and can not pay back {$4000.00} in one payment. I was even offered another forbearance loan after this forbearance period ended. I didnt want to have too much to owe back, so I declined the 2nd forbearance offer. After a certain amount of time, the bank reposted that I owed them somewhere about {$4000.00} immediately, due to my forbearance. In response, I told them I understood that I was not required to pay the forbearance sum in a large lump sum. I believe that the payments of principal and interest would not be changed, and that I would owe on the the loan for a few more months. Wells Fargo responded with many different answers. I have them in writing and I have recorded many of the responses. The first response from Wells Fargo was that I need to open a new account that would " serve my needs better '' This new modified loan would need me to fill out a new mortgage loan application and fo through the entire process of getting a new loan. I was very upset. I told them many times that I didnt want a new mortgage loan account. I asked for them to please just let me pay at the back of the loan, like I was promised. This was never answered. Instead Wells Fargo placed an outstanding balance of over {$4000.00} on my mortgage loan account. I continued to pay the monthly premium of {$350.00} by the XXXX of every month. I noticed that my payments were now not being credited to my principal and my interest. Instead the entire {$350.00} was being credited ONLY to my interest. So for a full year or more, I paid down interest on my loan. They never credited to " outstanding amount '' of {$4000.00} or my remaining principal. Im so very upset. This is really stressful They even threatened to foreclose on my home. Please help me. I dont know what else to do. Now I can not find my mortgage loan on my Accounts online. I call and spoke to 5 different people in different departments, per usual. From what I can gather, my loan is now in the processes of foreclosure. This news is crushing and I really do not know what to do. Please help me. Thank you for your attention to the matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am filing a complaint and requesting an investigation because of the unethical tactics used by Wells Fargo for years to deny my modification requests for Home Mortgage I should be included in the settlement and be financially compensated like the other customers who were mistreated by Wells Fargo. In the beginning of my loan modification process I made several calls and sent documents to Americas Servicing Company ( ASC ) /Wells Fargos Mortgage Loan Modification department XXXX It always seemed to be a different ASC/Wells Fargo contact on the phone, who would tell me one thing on the phone and then I received letters in the mail that didnt reference or confirm the things they mentioned on the phone. I was once told by a Wells Fargo agent that was I approved for a loan modification and I was told to not pay next months mortgage because they were sending my modification documents in the mail. Weeks later I received a letter denying the loan modification and Wells Fargo reported me 30 days late to the credit bureaus. At that point in the process I hadnt missed a mortgage payment and it was the first blemish on my credit report in decades. The agents also requested the same documents over and over and then I get a letter stating the documents didnt come in time. After nearly two years of Wells Fargo stating that they didnt receive documents on time and the requests for more and more documents, the same documents over and over again, I recruited the help of the XXXX Home Preservation program to serve as a witness to XXXX XXXX illegal tactics to avoid loan modification. In 2010 I began working with XXXX but ASC/Wells Fargo continued to send requests to me directly via mail. I responded and sent documents to Wells Fargo via the XXXX system as proof that documents were submitted and submitted on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been experiencing hardship due to the loss of the majority of my income during XXXX. I always pay my mortgage by the last day of each month, and this is communicated with the Agents that have the job of contacting me. Wells Fargo calls me daily, and has even started calling on the XXXX of the month even tho my mortgage has a 15 day grace period. I access a late charge after the XXXX of the month which is also paid. They used to only call in the daytime, but recently has started calling as late as XXXX XXXX. The first phone call that is generated in the month I always advise the Agent of my intent to pay in full before the last day of the month, but they continue to harass me on a daily basis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Wells Fargo bounced a {$300.00} paycheck. The money was taken from the sending account and I was charged returned fees as well as {$300.00}, the amount of the check. I never saw the check and was charged {$300.00} plus fees, on top of the original {$300.00} disappearing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 749XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had a checkin, savings, n ira account with wells Fargo bank in XXXX XXXX I noticed towards end of XXXX I had XXXX at beginning of that year I had a accident at work n in process of going thru workman 's comp because after I had XXXX my we work company took my workman 's comp away, they stated a rewards signature credit card n changed my online bank statement I stopped receiving statement n they did overdraft services with n savings n credit card so I went to bank during Covid n they did not know when they opened some kind of company under my name with my account n started making transfer using checking saving n credit card so changed acct # n changed phones line XXXX times n email n wifi several times n bank continue to let them do online transactions when I told not too no online anything my phones have been hacked every single time it's just matter of weeks n it kept going, I have made several complaints thru emails n phone but bank said emails were not received they redirect my calls n stop emails so it been so hard to get anyone to help I have all my receipts n bank statement now I need help cause I don't understand the codes or where money was sent n bank couldn't help me it's been thousands over last XXXX years even tho I don't put any money in this account anymore I only pay bills from wells Fargo there n they'll reverse my payment stal my money they've cashed checks with credit card n I've never seen those transaction on my end it's been over easily 15,00 on my checking n savings if not more n credit card 8,000 my IRA was supposed to be more than 650 when I closed because I had started putting XXXX a month towards that but I cancelled all of that in XXXX of, XXXX I can contact on my phone at ( XXXX ) XXXX this email only safe one I can use it's my sister 's who can help recuperate some this stolen money n help with the identity theft I've gotten all my credit reports most recent but they don't have valid number to call to investigate n I really can't see anymore due to my accident I'm still not able to work n don't have no one to help or even believe me n it's depressing that they can get away with ruining my life n I'm gon na lose my home because I can't pay it anymoreive gotten help from XXXX XXXX XXXX but it's ended n I have no access to computer please help, I'm ready just to give up on life cause I can't do it by myself to send receipts n statement it too email but I send thru postal office
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: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX, I applied for a remote job position at my school, XXXX XXXX XXXX. A few days later, I received an email from the school ( later I discovered it was a scammer ) about that job I applied for. I foolishly followed their instructions and received a {$3000.00} check through email that I would deposit in my Wells Fargo XXXX account for supplies. I sent the money to XXXX other people that claimed they were XXXX representatives, XXXX XXXX ( XXXX ) with {$1500.00} ( {$43.00} for just the fee ) through XXXX, and XXXX XXXX ( XXXX ) with {$1500.00} through Wells Fargo XXXX. This happened on XX/XX/XXXX. On XX/XX/XXXX, quickly after I sent the money, I found out I was scammed and tried contacting Wells Fargo to cancel the transaction, only for them to claim it was too late ( despite the transaction pending at the time ) and I needed to file a claim. Allegedly the claim was closed because again they claim it was too late for a refund. Wells Fargo later overdraw the {$3000.00} that I didn't have in my XXXX account because they were too late to realize the check was fake. Now I have no money because Wells Fargo refused to take this case seriously. Same with XXXX because they kept telling me to talk to Wells Fargo for a refund, even though Wells Fargo wanted me to talk to XXXX about this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Someone stole my wells fargo card then made fradulent charges on it. I sent wells fargo a police report & an ID theft affadavit, I have talked to wells fargo a dozen times over the phone & the person on the phone always tells me that he is going to remove the negative information from my XXXX credit report but he never removes it. The negative information has been on my XXXX report for over XXXX years but it still hasn't been removed. XXXX tells me that wells fargo has verified this info as accurate but wells fargo tells me that the negative info shouldn't be on the credit report. Will you help me get this negative information removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was hit with multiple overdraft fees. The bank also allowed XXXX XXXX to take money out of my account due to a glitch in my phone and when I tried to retrieve my funds through wells Fargo they refunded me my money but then took it back and left me with fees. The bank also gave XXXX XXXX funds out of my account when I explained that XXXX XXXX is incorrect. I also was refunded money through my auto insurance and instead of the agent refunding me on my current account which they had they sent the money to Wells Fargo and I have yet to receive those funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A