Date Received: 2023-05-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hi I have investments and a mortgage thru wells Fargo and I am wondering about this class action law suit.i am researching this if I have any part of this and will I have too get my attorneys involved.what are my resources do I have..please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 148XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a XXXX XXXX XXXX so that I could make my rent payments and gain points. I used the card on a Friday morning to pay my 1st month 's rent + my security deposit ( {$2400.00} ). My renter 's portal showed that my transaction was successful. On Monday, I checked my ledger online and saw that the payment had process and had also posted ( I have proof of this ). Afterwards, I took {$2400.00} I had in my personal checking, and made a payment to XXXX for that amount. A few hours later, I received an e-mail from XXXX saying that my payment to my landlord had been denied. After that, I received communication from my landlord stating that my account was past due and that the payment was not procced for " insufficient funds ''. I called my landlord and they stated that this situation was strange because the accountant confirmed that they had the money deposited into their business bank account. This further corroborated that that transaction was completely posted by the time I check online. XXXX rescinded my transaction AFTER it was posted and AFTER I made the payment for the full amount. Now, my landlord is upset because my payment bounced, and I have no funds to pay them directly since I sent that money to XXXX. Now I am being told that even though my funds were taken from my account in 1 business day and they were able to rescind a posted transaction, I have to wait 5-11 business days to receive my cash back. If you call the number they provide, all you receive is an endless loop asking you to please contact them using their " chat '' service on their website. Well, if you visit the website you will notice that they do not have a chat feature. They have a system that appears to be chat, but when you ask to chat with an agent, it simply composes an e-mail for you, and says that you will receive an e-mail back from them. I have not been able to get this issue fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX ( XXXX ) originated my Dept of VA loan on XX/XX/XXXX and failed to deliver and record the Deed of Trust ( DOT ) before it sold my loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX failed to follow the requirements of the correspondent agreement that required that a DOT be recorded and the Assignment of DOT be recorded at XXXX XXXX XXXX of Deeds. So on XX/XX/XXXX, XXXX submitted and had accepted my loan into their XXXX XXXX XXXX without having title recorded which made the loan disqualified for the XXXX XXXX as all loans accepted into a XXXX XXXX must have title recorded. XXXX had used the required UCC3 procedure in endorsing the mortgage loan Note in blank as does ever loan pooled must have done giving XXXX ownership of the Note, but not the debt which XXXX can not purchase per US Congress that prevents XXXX from buying or selling a mortgage loan. XXXX to cover up their error did on XX/XX/XXXX have record the DOT while not having any financial interest in the loan, making it an illegal claim of a debt owed to them when in fact they been paid off in full on XX/XX/XXXX. XXXX on XX/XX/XXXX, write a Limit Power of Attorney ( POA ) to address the failure to provide XXXX with the required documents, which was written by XXXX XXXX XXXX XXXX. Wells took over servicing my loan on XX/XX/XXXX which they became in possession of my complete file through the purchasing of mortgage servicing rights of XXXX XXXX Fed Gov Back loans. Starting around the country on or about XX/XX/XXXX, XXXX started assigning the DOT to XXXX XXXX Fed Gov mortgage back loan to Wells which rapped up around XX/XX/XXXX. Now my loan was not assigned at that time but while Wells was servicing my loan XXXX did have recorded the POA on XX/XX/XXXX, which of the only 4 loans originated by XXXX in XXXX XXXX my loan was the only loan that did not have an Assignment of DOT recorded. XXXX was declared a " failed bank '' on XX/XX/XXXX, and stopped existing. XXXX not existing did not file for bankruptcy and never called my loan due as it was not in default and did not have an Assignment of DOT, leaving no other entity with a financial interest in the loan originated on XX/XX/XXXX. Wells sent this issue to an outside attorney as if XXXX owned the debt which they did not, and the law firm in XXXX & XXXX who's employee Attorney XXXX XXXX moonlighting as XXXX Assistant Secretary fraudulently created the Assignment of DOT XX/XX/XXXX granting Wells with a lien against my property as it they purchased a debt that ended on XX/XX/XXXX! Wells would act as if they were the lender with the Notice of Default and Assignment of DOT and was not until a week or so before the foreclosure admit they were not the lender and said an investor was the owner of the debt. A year after the foreclosure Wells writes that XXXX was the investor, which investor in non-judicial terms is the owner of the debt. XXXX never held a debt from me. With the Wells 's fraudulent actions it prevent action by me to solve this issue as with a modification or bankruptcy because Wells was not honest about the situation and is why they did not process my file for the HAMP or VA HAMP because there was no counterparty in this matter. The Dept of VA was also victimized because it used federal dollars to purchase my property from a party they did not own any debt as in XXXX, and it in return sold they stolen goods to another party! As with the CFPB XX/XX/XXXX, fine for issue that happen back in XXXX, this fraud against me and the Federal Government does not have a statute of limitations!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX we were having trouble keeping up on top of our bills and called Wells Fargo to see about applying for the Affordable Housing Mortgage. Because we were not behind on our payments at that time Wells Fargo instructed us to stop paying our mortgage and call back in 3 months to get the process started as we needed to be behind 3 months before they would help. We stopped paying our mortgage for 3 months and called again. They sent paperwork for me to complete and fax to them. I had faxed this information several times, in which they said the paperwork was old and that I needed to send this information again. This went on for months. In XXXX of XXXX Wells Fargo stated that we were not denied the modification and because we did not send in the paperwork they foreclosed on us. I saw in XXXX that Wells Fargo had been found to have illegally foreclosed on home owners and they had sent out money to those that had been impacted. Because I had not been contacted by them, I reached out to them and asked Wells Fargo for documentation. They have sent me documentation with very conflicting information. They say I was not in contact with them, but they have call records that state I was. They said they made several attempts to reach me regarding documents needed without success, however they have records again of me being contacted and receiving the information they needed on time. They state they have done nothing wrong, even though the paperwork says otherwise. I then saw that Wells Fargo again was made to pay people for wrong doing and again I have not been contacted by them. Please see attached documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been in dispute for a very very long time. Wells Fargo is refusing to provide me with a simple report showing : 1. The date they received my payment. 2. The amount of that payment they received. They are trying to pass off a report that shows a " Transaction Date '' as a " Date they received my payment date ''. When I pointed out I wanted a " Date they received my payment date '' they said a " Transaction Date '' and a " Date they received my payment date '' was the same date. Then they finally agreed they were not the same date. Then they said they do not have to provide me with a " Date they received my payment date ''. His name is XXXX XXXX and his phone number is XXXX. When he refused to provide me with this information, I requested to speak with his superior, XXXX XXXX. He refused to allow me. Every time I call Wells Fargo, they send me to XXXX XXXX and then he tells me I can not speak with his superior. When I call the Executive Office, I explain to them that I do not was to speak with XXXX XXXX, they put me on hold and send me to him anyway. This has gone on all day today .... at least 30 calls. THen I requested XXXX XXXX to call me and XXXX stated she would call at XXXX XXXX today and now it is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Ive had an account with Wells Fargo with my savings and things have not been going right with receiving payments as to being given fees for something I dont even know what theyre doing on my XXXX XXXX either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I opened I claim against my Landlord for violating my lease agreement and unlawful put me and my child out of my apartment. I submitted a claim to Wells Fargo to get back my deposit. Wells Fargo failed to process my claim for llock of documents, but at no time Wells Fargo contacted me for Documents to support my claim. I filled this claim on XX/XX/2023 by XX/XX/XXXX according to the Wells Fargo banker they closed my claim without contacting me. I were sending emails saying that the claim was still being processed. I called on XX/XX/2023 around XXXX XXXX on a recorded line, and the banker told I lost the claim for not sending documents, documents that they didn't request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Good afternoon, Wells Fargo Auto caused damages on my car during a repossession process ordered by them, who executed that order was " XXXX XXXXXXXX XXXX '' who used a XXXX tow truck with which they dragged my car, damaging part of the transmission system, the tires and the back bumper of the car, the damage was serious because the wheels were locked due to a lock that the car has when the key is not nearby. In order to recover my vehicle I had to pay the outstanding fee to the bank and the repossession ; a bank representative said that I could go to the auction yard in XXXX to pick up the car ; On XX/XX/2023, I went to that place where I found several damages in my car ; Before removing the vehicle, I called the Bank to report the damage and file a complaint. I filled out a form there indicating the damages that I could see. At the present date, the Bank does not want to be responsible for the damages caused in my car, 3 months have passed since I filed the complaint and they have notified me 2 times saying that the damages were caused by me and that they are not going to make any repairs to my car. I can not use the vehicle due to the damage it has had since I pick it up from the auction because it is unsafe and dangerous to drive it in these conditions. The Bank says that I have to continue paying the car loan. Since the date I went to pick up my car, I have filed several complaints related with this issue with Wells Fargo Auto and they do not want to be responsible for what they caused, Wells Fargo Auto hired " XXXX XXXXXXXX XXXX '' to recover my car on their behalf, causing the damages described ; " XXXX XXXXXXXX XXXX '' says that they have nothing to talk about with me, that they were hired by the Bank and they give answers only to the Bank. The Car was transferred to the XXXX XXXX auction where I went to pick up my damaged car and filed the complaint ; I need your help, thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am the President of Pentagon Properties and account holder of XXXX XXXX held with Wells Fargo. Below is a recitation of the facts. On XX/XX/XXXX, XXXX XXXX, the controller of Pentagon Properties, logged into her personal account and her sons account. Her personal accounts are also linked to the corporate XXXX Mortgage account # XXXX ( new account # XXXX ) held by XXXX XXXX. She noticed that her son had XXXX transactions for {$450.00} each that she didnt recognize dated XX/XX/XXXX. Her son called Wells Fargo immediately that day and disputed the charges. His funds were returned to the account 12 days after the dispute. The following week, she received a business debit card from XXXX. She called XXXX and told them she never ordered that card and that they needed to close it. XXXX XXXX took a picture of the card and shredded it at the office. On XX/XX/XXXX, she pulled the statement for the business account ( XXXX XXXX ) and noticed that there were transactions that she didnt recognize that amounted to {$20000.00}. These transactions looked like the same transactions in her sons personal account. She immediately contacted the bank and filed a fraud report. The unauthorized withdrawals were done on different dates and in different amounts. She checks this corporate account once per month when she prints the statements the first week of each month. These transactions show the name from a company named XXXX XXXX XXXX. On the transactions, it shows that the customer is XXXX XXXX who is her son. In reviewing spam folder of her personal e-mail account, she found an invoice for {$2300.00}. This amount was taken 7 times on the business account plus another of {$4100.00}. The fraudulent withdrawal from this account amounts to {$20000.00}. On XX/XX/XXXX, XXXX XXXX notified Wells Fargo of the incident. A Wells Fargo employee named XXXX called back on XX/XX/XXXX, to let us know that the case was closed. XXXX said that she would escalate to the executive department. On XX/XX/XXXX, XXXX XXXX called and informed us that these transactions have no protection unless disputed within XXXX4 hours. We have since appealed to the Small Business Resolution team with the same response. We are reaching out to you as a last resort to compel Wells Fargo to treat its customers fairly and to hopefully improve its lax security measures. Due to Wells Fargos failure to provide two-factor authentication measures, the unknown third party obtained access to XXXX XXXX accounts XXXX including the XXXX XXXX corporate account. But for the absence of adequate security measures, the unknown third party would not have been able to withdraw corporate funds linked to XXXX XXXX account. By refunding XXXX XXXX sons account but refusing to refund money stolen from a different account linked to XXXX XXXX account, Wells Fargo has shown its bad faith. We would appreciate your attention to this matter and hope to reach a satisfactory resolution. We are very disappointed in Wells Fargos handling of this matter. If we are unable to resolve this matter, we will be forced to take alternative steps, up to and including, contacting the media to report Wells Fargos practices and the treatment of its customers. Regards, XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A