Date Received: 2023-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: If you would please be so kind and review my previous complaint with Wells Fargo, it would be most helpful. You will understand the whole complaint. They never resolved anything with me, nor were they helpful. They dismissed my complaint and foreclosed on my home. It was heartbreaking and devastating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Regarding home at XXXX XXXX XXXX XXXX XXXX XXXX TX To whom it my Concern : I am writing this letter to explain the series of events that cause my home to be foreclosed on. I purchased my home in XXXXXXXX XXXX XXXXXXXX. I took out a 30 year fixed rate mortgage in which my payment was around {$650.00}. In the end of XXXX Wells Fargo raised my payment to {$1200.00} per month without justification. I had an auto draft payment on my back account for my Mortgage and Well Fargo withdrew the {$1200.00} payments until it had completely depleted the {$7500.00} I had in that account. I spent over 150 Hours on the phone over the course of several months trying to get a justification for why my payment had gone up so much. I was normally transfers back and forth between sections up to 9 times per attempt. I was eventually told it was an issue with my escrow. I then went and got copies of my tax records as well as my property insurance policy. I then sent it to Wells Fargo at least 10 times which clearly stated that my payment was unjustly raised. I finally got a hold of a representative at Wells Fargo that told me that that my best option was not to worry about the increase in payment. I was then told that I would most likely qualified for the HARP refinancing programs and that was my best option to prevent Foreclosure. I completed all the required forms and sent them in 6 different times. I made dozens of follow up calls and was told that the process took time. During this time I looked into trying to sell the house but the resident of the home next to me had died and after they inspected the neighboring home interior the home became condemned. So it became impossible to sell my house with a large condemned sign on my neighbors home. The whole time I was making the payment that I could. After over 6 months of trying to get the situation resolved Wells Fargo told me that I still owe them an additional {$4500.00} and that they would not except anything but the full amount. I didnt possess the fund to pay them and my home was then foreclosed on in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 Wells Fargo received validation request letters by me, the consumer, under the authority of The Truth in Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Wells Fargo claims it is owed to them. Wells fargo failed to respond to my letter or provide any evidence of a debt within the 30 days that the TILA and FDCPA allows. This alleged debt must be fraud for the creditor has not answered any of my questions. see attached letters mailed to wells fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Wells Fargo charged me thousands in overdraft and non-sufficient funds fees. Also when I would cash it deposit a check, they held my funds for days to weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: My father was scammed. I am a authorized signer on his business account. I contacted Wells Fargo to reverse the scam transactions. I received a horrible run around and phone calls not returned or followed up with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Company closed my account cono apparent reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello! XX/XX/XXXX I sent two amounts of {$25000.00} and {$28000.00} to an account with Wells Fargo bank to pay the down payment of buying a house with XXXX On the same day I find out that the recipient 's account details that I received into my account were from a scammer XX/XX/XXXX I filed a complaint about the suspension of payment Also connected to the FBI, this organization has frozen these funds Since XX/XX/XXXX, I can not receive these funds in my account. I came to Wells Fargo bank several times, wrote letters and complaints, but never received the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: When we went to trade our car in the y never would send the title and we had to constantly call them. And they never refunded our gap insurance money. Also we had later charged on our account and had to call every month to get green taken off by The companies error. Will never use Wells Fargo again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2023 I need to bring to your attention again the violations of my rights as a consumer and also ask you to uphold the law under your obligations as the CFPB. I ask that under the laws 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I have been a victim of the violation of the Truth in Lending Act ( TILA ) also my Right of Rescission under 12 CFR 226.15 & 12 CFR 1026. 23 ( b ) has been violated. I have also be violated under the Fair Debt Collection Practices Act ( FDCPA ). I have been continuously harassed at my home, and my character has been defamed. This has resulted in the damage to my credit, losing credibility with companies I had been associated with for over a decade. I demand that you rectify this issue immediately and compensate me for all the damages caused to me. As a consumer, I have the right to be protected by the law. However, the violation of my rights has caused me immense stress and financial loss. I urge you to take immediate action and ensure that my rights are protected as a consumer. I can have my claims documented and backed up by all my doctors, of the stress and health issues this situation has caused me. If needed, they have already been informed of all recent events. I would like to remind you again of your responsibility under the law 12 U.S.C 5511, 12 U.S.C 556265, 12 U.S.C 5514 and 12 U.S.C 5515. I request you to investigate the matter and take appropriate action against the parties responsible for the violation of my rights. Im asking the CFPB to use their enforcement authority. This statement is of the CFPB and has not be upheld in my eyes. Yet I continue to ask that the CFPB uphold their responsibilities to consumers. A central part our mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. When a bank, company, individual, or other entity breaks the law, we may take enforcement action against them. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged excessive over draft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A