Date Received: 2023-05-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Weiss Fargo allowed XXXX to take a {$500.00} cable bill out of my account more than once that was returned. Wells Fargo closed my account with them and wrote off to the credit agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wells Fargo was having agents come to my XXXX school and was having students open accounts with them. I have not heard anything from my account since and alot of money was put into that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Wells Fargo ( WF ) Small Business Platinum Visa Card back in XXXX. As per it's terms and conditions as shared in the attached I neither received promotional one time credit nor promotional 0 % interest rate for 9 months. Upon calling WF team refuse to admit it. I called them day before yesterday ( XX/XX/2023 ) around XXXX pm and they hung up on me then yestedday ( XX/XX/2023 ) and around same time and samething happened after listenign to me and by knowing that the have made a blunder about it their XXXX XXXX hung up on me even after this time I specifically told her to do not do it. I've tried and now tired of calling them hence reching out to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The company put freezez on my account. unespected fees, promblem with withdrawals and making deposits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a mortgage with Wells Fargo in XXXX and lost the home in XXXX after I tried to do a loan modification program and despite making all the required payments, I still lost the house. The address was XXXX XXXX XXXX # XXXX, XXXX TX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 2018 I was hacked and money was stolen out of my checking account. they returned the money then took it out again and overdrafted my account they took back 1 over draft fee and I had to pay back hundreds more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The company has a habit of having a lot of fraud happen to their customers and when we try to fix it it takes forever and its a headache to get what belongs in the accounts due to it effecting my credit cards with wells fargo as well as my debit card so its been a never ending battle and I have to keep money out of that account and keep it in a credit union instead of a bank that I have been with since 2007 and this is just a small issue with wells fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This past XX/XX/XXXX, I received approval for a XXXX Homeowners Assistance Funding in the amount of {$60000.00} to be repaid over time. This funding was to help me keep my home after XXXX severely affected my ability to pay my mortgage. In XX/XX/XXXX, I filed a complaint against my mortgage Bank Wells Fargo, after they declined my application for a loan modification based on income. In my complaint, I asked Wells Fargo to review my application as I was being interviewed for a job which I was hired in XX/XX/XXXX with XXXX XXXX, as I had new income to report. Wells Fargo refused, even while being investigated regarding my complaint about the Bank misleading me about the date that my application was declined and the time limit I had to reply. In XX/XX/XXXX, Wells Fargo completed their investigation and told me in and letter that I could reapply for Home Loan Modification. When I called to arrange it, I was told no, and my calls began to be routed directly to Foreclosure and payment processing. Several times I had to use a person in payments to transfer my calls to Home Modification, as I was not able to contact this department because they had blocked my number. XX/XX/XXXX, I had a gentleman deliver foreclosure papers to my home. I was upset because I am starting a new job after XXXX but could still lose my home. I worked with XXXX HAF and XXXX XXXX County Homeowners Assistance Fund to get help, all while having my attorney from Veterans Assistance Program help me contact Wells Fargo. On XX/XX/XXXX, I was contacted by XXXX Housing and Community Development and told that I qualified for Homeowners Assistance Fund. They told me that they had contacted Wells Fargo and that Wells Fargo should be contacting me any day. Wells Fargo called me XXXX days later, and I sent XXXX XXXX everything I had sent to Maryland HAF office to be approved for the funding. She told me that my home preservation specialist for HAF was XXXX XXXX XXXX and that Wells Fargo would move fast because I had given them all the information they needed. If there is a slowdown, it will be on the States side, not ours is what XXXX XXXX told me. At this time, received an email from XXXX XXXX stating that she would be working with me. The very next minute, I received an email from Wells Fargo asking if I wanted to have a modification with or without State Funding. I answered and told them, Of course I want to use the HAF funding. I was confused by the email because I did not understand where it came from, since I had been categorically rejected for modifications that I was begging for just months earlier. It is now XX/XX/XXXX, I have sent in all additional documentation Wells Fargo has asked for. This week I received a call and then went to the XXXX site. The Caller, XXXX XXXX was Calling to offer me the terms of the home modification loan that I had been approved for. I am now confused because I understood that the XXXX Office providing my funding would contact me. I ask XXXX if this was including my HAF awarded funding? She said no, this has nothing to do with government funding, this is an offer directly from this Institution. I said to her that I had HAF funding that has or will be applied to my account, so what was this new offer? She said she did not know anything about this HAF. She put me on hold. I went to the HomeTrack site while she put me on hold. There was an offer there ( which I screenshot ), for an expensive, temporary mortgage agreement and it stated that my payments would be temporarily contingent on a three-month trial period. By the time she came back to the phone, I had put her on hold and was talking to my Veterans Attorney. It is upon his advice that I am filing this second complaint. I am confused and I feel as though I am being harassed and discriminated against by Wells Fargo. I am an XXXX American Home Owner, a Veteran of the XXXX XXXX and I am in the process of being harassed by Wells Fargo, giving me offers for a modification that I begged for in XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXnow you want to give it to me, without my HAF support. No, I want my HAF funding applied, and I want my payments to reflect this by resuming payments now. This Bank is becoming a nightmare experience for me. I have been diagnosed with XXXX and the games this company is playing with me, and my home, are only making it worse. As long as I stay on the Foreclosure list, I am called daily by realtors wanting to " help '' they are even calling my children. My life and my family are being harassed because of this game Wells Fargo seems to be playing. I feel as if Wells Fargo is being extremely duplicitous on purpose. They are sending me XXXX different signals for the same thing. Why offer me a Loan Modification NOW, after I have begged you for months, and after you have put me into foreclosure? This feels so wrong. I am a consumer. I do not know all the nuances of the Home Mortgage sector, but this can not be a good business practice. Turning someone down for a Home Modification, then sending them into Foreclosure, then taking HAF money, then offering a non-HAF funding modification, which I asked for months ago? PLEASE, please assist me in getting my HAF funding applied to my account and getting my payments reinstated so that I can move forward with my life. Thank you so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Around the end of XXXX and beginning of XXXX, XXXX. Our mortgage company, Wells Fargo contacted me about a program they were offering due to Covid and that if we were current on our mortgage that we would qualify for the program offered by Wells Fargo and the government ( it was stated many times that THE LOAN MUST BE CURRENT TO QUALIFY ). I talked to my wife and yes we decided to try it out because I had been laid off work but would only be out of work until Covid was under control. We did qualify which means we were current on loan. I agreed over the phone and they took all my information over the phone and they told me that no payments would have to be paid and I would be reviewed by Wells Fargo every six months. I was then told that when I was able to go back to work, I would pick up like I never missed one payment and return to making my house payments. On top of Covid, the owner and boss where I was employed, XXXX XXXX. I was thankful that this program had been offered, I ended up being without work for 18 months. I then called Wells Fargo to let them know that I was ready and capable of making my mortgage payment. I got the surprise of my life and was talked to like I was trash that did not make their mortgage payments. She said that I was in default and I would be getting foreclosure papers by mail. She said that I was one payment behind when I agreed to the program. I told her that I could not have qualified if I was behind and she started laughing and said to keep my house I needed to come up with {$14000.00} and she knew I would not have that if I could not even pay my mortgage payments and I only had a 2 days to pay this. We were at a loss and we live in Oklahoma and the closest Wells Fargo was in Texas ( 6 hour drive round trip ). She was correct, we did not have that kind of money laying around so my wife called her parents and I called my brother, and we borrowed the money to pay that amount. We could not be homeless after living in our home for 20 years. Now we are making 3 payments, 1 to Wells Fargo, 2 to my in-laws and 3 to my brother. Wells Fargo took advantage of me and my wife and lied about a program that if I was behind on mortgage, that I absolutely would not even qualify for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to practice my right as a customer of Wells Fargo to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with WELLS FARGO. In order to clear up the myriad of letters and correspondences I have hitherto sent to WELLS FARGO respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WELLS FARGO to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with WELLS FARGO, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A