Date Received: 2023-05-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My checking account was closed by Wells Fargo because of overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Card was charged without my knowledge and consent and was not reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are refinancing with XXXX XXXX and they we owe XXXX to Wells Fargo for unpaid interest for loan modification and no one from Wells Fargo will get back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Wells Fargo has put a hard hold on my 4 accounts and will not give me my money in the accounts. There has been no reason as they have decided to do this and will not tell me why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I get my SSI CHECK on the XXXX of each month but wellsfargo keeps on giving me over draft fees like crazy. I have no beak on this they just dont care. I have no money left for the rest of the month and is not {$34.00} is {$35.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am asking explicit questions and demanding clear and concise answers 1. Why werent Federal Regulations obeyed prior to foreclosing? According to Document 24 CFR 203.604 which states on the Note that I signed with XXXX XXXX XXXX Company dated XX/XX/XXXX reads as follows : This Note does not authorize acceleration when not permitted by HUD regulations. As used in the Note, Secretary means the Secretary of Housing and Urban Development or his or her designee. Wells Fargo responded that it does not need authorization from HUD to accelerate foreclosure. Problem! Prove it! 2. What does that mean to the borrower who signed a contractual agreement apparently under false pretense? Thats a serious disclosure problem! Are Federal Laws written and legislated for decoration only giving the servicer the right to take advantage of the borrower? Thats a question and I want an answer. 3. Why servicer did not prove standing proving that the Note was owned by the bank? Thats a question and I want an answer. 4. Did XXXX XXXX XXXX work as an employee for Wells Fargo throughout the foreclosure process of my mortgage? Thats a question and I want an answer. In the Certification of Diligent Inquiry XXXX XXXX XXXX certifies that Wells Fargo Bank , N.A . directly or through an agent has possession of the promissory note. Proof was requested of the employee and title of XXXX XXXX XXXX as it relates to Wells Fargo Bank , N.A . This individual can not be found on the Lexis Diligence site. Robo Signing is illegal!!!!!! XXXX. Requesting proof of the travel of the promissory note citing Bank of New York Mellon v Davis Superior Court of New Jersey Appellate Division, XX/XX/XXXX Docket No. A-1006-16T1, unpublished. 6. Requesting information on why there are two endorsements of the Note to Wells Fargo? The Assignment of the Note to Wells Fargo clearly states that Mortgage Electronic Registration Systems , Inc. ( MERS ) is the nominee. The role of Nominee is in a limited capacity. However, MERS can not act in any capacity in the State of New Jersey except as a recording agency. This fact is confirmed by XXXX XXXX, Licensing Supervisor in the Department of Banking and Insurance ( DOBI ) in response to third party OPRA request. Pursuant to their own guideline, MERS does not fund loans, therefore they do not have the legal right to assign or transfer anything, nor can they discharge or foreclose ; In this regard, MERS must prove consideration for this Assignment to be valid. As this Assignment is a recorded document, Inst # XXXX N.J.S.A. 2C : 28-7a Tampering with Public Records applies , New Jersey Supreme Court Cases addressing this Statue are In Re Gross, 178 N.J. 377 D-20 XX/XX/XXXX and In Re Stier ; 108 N.J. 455D-104 XX/XX/XXXX The assignment indicates an address for XXXX XXXX Mortgage Company at XXXX XXXX XXXX XXXX XXXX, Michigan XXXX. However, this is the address of MERS. XXXX XXXX Mortgage Company did not have an office in Michigan. Fraud vitiates all Judgements citing the United States Supreme Court XXXX XXXX Freight Sys v. XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX. I received XXXX XXXX XXXX or XXXX of Secured Property. Fair market value of property was {$140000.00}. Balance of principal outstanding shown as {$130000.00}. Where is {$9300.00}?????? XXXX. Why would Wells Fargo seemingly bribe the justice system, a judge in particular to rule in its favor on fraudulent foreclosures, knowing its business principles are as crooked as XXXX XXXX XXXX? XXXX. The enticement of partnering with the justice system was captured by inviting a judge ( XXXX ) to rule favorably for Wells Fargo in fraudulent foreclosures and sealed in a relationship through unearned XXXX XXXX XXXX Account. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New Jersey. Again, please provide specific answers to each question with supporting valid documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX i checked My WellsFargo account before it was time to pay my 1st of the month bills ( rent/car note/school/utilities ) and noticed a significant amount of money have been missing. I dont usually check my bank account as Im familiar with what comes in and what goes out! This particular evening i checked To prepare myself for the coming month. I noticed several transactions from XXXX Sports book that I did not authorize. XXXX XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} These are the dates and amounts of the transactions i did Not approve of! Ive disputed and claimed fraud with Wells Fargo, Ive asked to have mangers/supervisor to give me a call and nothing have progressed! I called The bank today and was told my claim have been denied and closed! Never received notification of any sort! I can not accept this! Now another weekend, no funds no calls, nothing! I am Absolutely disgusted with this bank! I am now 2 weeks behind on my bills, i am A XXXX XXXX XXXX XXXX. Ive been a customer with wellsfargo since XXXX. I am Disappointed, disheartened, frustrated!!! This is very inconvenient!!!! I removed my money for my savings account and plan to close my accounts! Please assist with this issue! Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Wells Fargo charged me overdraft fees and late payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/XXXX, I was defrauded by an individual using XXXX technology into believing he was a person I knew, we had made plans to purchase a loft in XXXX, Georgia ( where I lived at the time this happened ), he " proved " his identity to me by sending to my XXXX a photo of his passport and copies of his bank records, unbeknownst to me, both of these items in his name were faked, and as it turned out, this man I thought I knew was not the same person. To continue : He convinced me to wire to him funds in a one-time wire transfer in the amount of {$97000.00} USD, which I did from my branch of Wells Fargo to his specified branch of Wells Fargo in XXXX XXXX XXXX Missouri on XX/XX/XXXX. As soon as I realized I had been defrauded, within a couple of weeks, I contacted law enforcement and made a police report. With this report in hand, I went to my Wells Fargo branch and explained all of the aforementioned details, showed them proof of the wire transfer and a copy of the police report, but I was told there was nothing they could or would do to help me reclaim my funds. Discouraged, I went home and decided to try again, so I made another appointment with a manager and the exact same situation occurred again. It was at this point that I began researching funds recovery experts and upon their advice in XX/XX/XXXX, I wrote a letter of complaint explaining the fraud and including the wire transfer proof and police report to both Wells Fargo customer service and to Wells Fargo 's fraud department. I never received a response to my email so I called Wells Fargo to follow up on my correspondence, only to be told there is no telephone number by which to reach these departments because " they are in the back offices. '' In total I sent four different letters to Wells Fargo regarding this, only to be ignored until XX/XX/XXXX, at which time I finally received a letter from Wells Fargo declining to assist me in any way at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I XXXX XXXX with account number XXXX from Wells Fargo baking, On XX/XX/XXXX there was a {$500.00} transaction from XXXX service through my bank, I havent sent any money to that person, I made a claim about this issue, and spoke with Wells Fargo fraud team, and they stated that my account was not secured and may had be compromised, they said they will do and investigation on the case and speak with the bank of the funds sent to, and denied my claim, next day the person who stole my {$500.00} texted me about and basically threatened me saying that he doesnt care about me reporting to the bank or reporting it to the police and that he wont give me money back, came to find out his name and last name which is XXXX XXXX XXXX thru the phone number that he managed to send money too which was his phone number and bank! Even with the proof I provided to Wells Fargo screenshoots and his name and phone number where he manage to send the funds and still wont help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A