Date Received: 2023-05-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: When doing withdrawals from account. Would let the little amounts sit. And let the big ones post. Racking up overdraft fees. Closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USC 's 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95632
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Took the loan from world bank and wouldnt work with me to bring loan current
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I just want to see if they charged me unnecessary overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I had an auto loan with Wells Fargo Dealer Services until 2014, when I paid off my loan early. I believe that my prepaid gap coverage that wasnt refunded when loans were paid off early and that the lender incorrectly applied payments. I would like my case reviewed to see if I was affected and if I am eligible for the lawsuit settlement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im really feeling so bad with the bank is about my real legal whole name doesnt fit on my card and account. They cut my name on my account/ card. It is hard when i have problems with banking they cant find # easily ask me toooo many questions wasted my previous time. When i do deposits by check the fund is not ready to use even the teller told me you can use immediately. It always happens I dont remember exact dates. Also making deposit used by ATM big currency isnt acceptable. I always need to wait branches business hours and stay in long line. Another issue is money transfer to my another bank account. It doesnt transfer fund immediately, stuck between 2 banks. The bank didnt fix problem 2 ; 3 weeks. I need that transfer immediately i was disappointed I couldnt pay my bills on time there was late fee because of mt money stuck I couldnt use it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Consumer Finance Protection Bureau Via : www.consumerfinance.gov/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX. XXXX XXXX. XXXX XXXX, XXXX XXXX, IA XXXX Via FAX : XXXX Customer Service : XXXX Attorney XXXX XXXX, for Wells Fargo Via : XXXX Attorney XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX Via : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX RE : XXXX XXXX XXXX Dear Consumer Finance Protection Bureau : Im a XXXX senior citizen. I live on a fixed income. I am on a doctor mandated diet. I do not wish to become homeless. I am too old to start from the beginning and do not wish to be drained financially At the very least Wells Fargo has perpetrated theft and at the maximum they have brought about a fraudulent act. I do not own a car, a computer, a printer, or a scanner. I retrieve and answer emails, scan and print letters at the Public Library computer stations. I walk one mile through a rural area & the Library is closed in inclement unsafe weather. Wells Fargo has forced me to sign a nondisclosure statement in order for me to receive my modification. Wells Fargo refused to answer my CFPB conplaint and instead submitted a nonsense gobbly-de gook-letter from a low level employee without access to my documents or mortgage payments. If Im expected to honor my part of the bargain I fully expect Wells Fargo to honor their obligation to provide honest answers to me. Otherwise, I am under no obligation to honor my part of the bargain. I want my money a. {$14000.00} Wells Fargo accepted mortgage payments after the Foreclosure was initiated. b. {$830.00} Wells Fargo NFS ( bounced ) checks they sent to me c. {$29000.00} Cashiers Check I paid before Sheriff Sale sold my home. d. {$50000.00} XXXX ( HUD & XXXX Program ) Attorney Little stated she will accept the total e. {$24000.00} CFPB {$3.00} XXXX Fine a Class Action : my portion 2. Wells Fargo has supplied contradictory information to the Indiana agencies : 3. Wells Fargo has denied me my portion of their XXXX XXXX Fine by Consumer Finance Protection Bureau XXXX 4. Wells Fargo wrongly states my arrearages are only {$2200.00} after 14 years of foreclosure. a. I am being rushed and forced into a closing on the wrong {$2.00}, XXXX IN HAF GRANT this week 5. Wells Fargo has forced me to sign a non disclosure agreement in order to receive a modification. 6. XXXX XXXX, HUD Counselor, IN stated, Wells Fargo formally Rejected the {$50000.00} IN XXXX XXXX. 7. Attorney XXXX XXXX, XXXX XXXX, for Wells Fargo refused the {$50000.00} IN HAF Grant a. The legal fees of XXXX XXXX XXXX XXXX XXXX XXXX, Wells Farg need to be paid by IN HAF. b. Attorney XXXX, reported my Mortgage Balance is either {$93000.00} or {$120000.00}. c. XXXX XXXX capitalized their attorney fees into my mortgage balance and, a 40 year Mortgage d. reported very, very inaccurate arrearages of {$2200.00}, representing 2.5 months behind. 8. XXXX XXXX, my Attorney, recused himself and Im not represented by counsel. 9. Wells Fargo claimed my mortgage was a FNMA ; it is not a. FNMA Modification was not calculated according to FNMA Guidelines. b. My Credit Reports demonstrates that my mortgage was owned by two ( 2 ) separate Securitizations at the same time : XXXXXXXX XXXX XXXX XXXXXXXX & XXXXXXXX XXXX XXXX XXXXXXXX sold, then repurchased again during the foreclosure process. 10. Per XXXX XXXX XXXX 's XX/XX/XXXX Modification offer states Fees are waived, I need proof. 11. My XXXX current Escrow Account contains {$38000.00} 12. I require from Wells Fargo : a. sent my mortgage payments to a corporate Account ; my money is unaccounted for, it evaporated. b. repeatedly misapplied my mortgage XXXX mortgage payments, charged 14 year of fees and interest and finally granted me a Modification after 14 years interest. c. did not respond to any of my RESPA requests. 13. Wells Fargo must relinquish and refund to me a. Wells Fargo *NSF check {$830.00} b. The refund of my XXXX mortgage payments totaling {$6800.00} that Wells Fargo received after the XXXX Foreclosure. My money has disappeared. c. all fees and late charged since XXXX as Wells Fargo refused to modify my mortgage d. Back-Dated-Forced-Placed Insurance {$76.00} & XXXX e. send, by certified mail, documented proof and a statement of the calculation of the modification. f. documented evidence of my Modification and it's calculation. g. documented evidence of FNMA of my mortgage ownership sent by certified mail h. The date of FNMAs purchase my ( originally XXXX XXXXXXXX XXXX mortgage XXXX i. The date of FNMAs securitization and its XXXX XXXX j. The date of its sale k. documented evidence, & date of FNMAs securitization from XXXX XXXXl and XXXX XXXX XXXX documented evidence, the date of FNMAs purchase by XXXXXXXX XXXX i. Reference Number : XXXX XXXX. XXXXXXXX XXXX Subject Mortgage : XXXXXXXX XXXX XXXX Address Identification # XXXXXXXX XXXX m. documented evidence, the date of FNMAs purchase by Wells Fargo XXXX. Wells Fargo low level employee stated, by XXXX that it is a FNMA mortgage ; no proof, a. claimed, You tricked Wells Fargo for 14 years, didnt pay your mortgage. 15. Wells Fargo engineered the XXXX Foreclosure and Modification denial 16. Wells Fargo ****backdated fraudulent homeowners insurance for phantom Non-Existent Insurance, paid my property tax in multiples, and refused to accept my mortgage payment claimed it was {$1.00} short. 17. Wells Fargo and Attorney XXXX, XXXX XXXX XXXX refused and denialed a Modification : a. Despite successfully completing 26 Modification Packets since XXXX and b. the interest rate was 0.5 % in XXXX during the XXXX Financial crisis c. Finally stated Your mortgage is not owned by, in a FNMA Trust and is not Securititzed. d. provided fraudulent and forged documents to the Indiana XXXX ( XXXX, XXXX XXXX, XXXX etc. 18. XXXX XXXX forced me to give them {$29000.00} which subsequently evaporated 19. XXXX XXXX XXXX denied me an XXXX XXXX {$30000.00} Grant when my mortgage was almost paid!. See : {$990.00} reimbursement check from Dept. of Insurance, XXXX 20. Wells Fargo Back Dated Forced Placed Insurance {$76.00} & 119 which engineered the Foreclosure 21. Enclosed XXXX copies a. {$14000.00} Wells Fargo accepted mortgage payments after the Foreclosure was initiated. b. {$830.00} Wells Fargo NFS ( bounced ) checks they sent to me c. {$29000.00} Cashiers Check I paid before Sheriff Sale sold my home. d. {$50000.00} Grant HUD & IN-HAF Program Attorney XXXX ( XXXX XXXX XXXX XXXX stated will accept the total e. {$24000.00} CFPB {$3.00} XXXX Fine a Class Action : my portion Sincerely, XXXX XXXX XXXX XXXX XXXXW F NSF check {$830.00} *** {$29000.00} Foreclosure redemption f. XXXX, XXXX XXXX, XXXX XXXX. g. XXXX XXXX. of Insurance Refund from backdated homeowners insurance XXXX mortgage payments to Wells Fargo received & accepted after the XXXX Foreclosure & default. XXXX Unapplied Funds XXXX Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Credit Report XXXX before Wells FargoXXXX XXXX Credit Report XXXX past due W F_XXXX or XXXX XXXX Credit Report XXXX before Wells Fargo XXXX XXXX Credit Report XXXX before Wells Fargo XXXX Credit Report XXXXXXXX XXXX XXXX XXXXXXXX Credit Report XXXXXXXX XXXX XXXX XXXXXXXX Page 2 Credit Report XXXX XXXX on XXXX explains credit eports Credit Report XXXXXXXX XXXX XXXX Investor XXXXXXXX XXXX XXXXXXXX XXXX XXXX signatures Back dated insurance RESPA 12_7_1 Payment XXXX XXXX XXXX XXXX XXXX RESPA 2012_10_21 Misapplied Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Depositor And XXXX XXXX XXXX XXXX XXXX on No XXXX XXXX XXXX Report XXXX before XXXX XXXX XXXX Credit Report XXXX past due W F_XXXX or XXXX File XXXX Wells Fargo or XXXX XXXXXXXX was Holder Due Course Closing Table It was table funded Reference Number : XXXX Wells Fargo MortgageAccount # : XXXX XXXX XXXX Subject Mortgage XXXX XXXX XXXX Address Identification # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Servicing Fraud See : {$990.00} reimbursement check from Dept. of Insurance, Indiana Wells Fargo applied {$76.00} & XXXX back-dated forced placed insurance before being servicer-ship awarded. County taxes paid twice in XXXX {$86.00} & {$180.00} XXXX as Nominee Pay Off Created by XXXX Employees pretending to be XXXX XXXX XXXX wrote & stamped a Release of Title, Pay Off was sent from XXXX signed by XXXX employees o Wrong Pay Off amount letter, is not Deed, o Pay off amount is unaccounted for ( never sent to XXXX or XXXX ) o XXXX never owned Mortgage ; XXXX as strawman o I wasnt notified of the change of ownership o signed & stamped sent the Letter of PayOff from XXXX on XXXX letterhead o Title on Loan is MERS o Chain starts & stops wXXXX XXXX Robo-signers XXXX XXXX Manufacturer of Mortgage or Note Assignment XXXX XXXX XXXX XXXX XXXX XXXX transferred fake XXXX XX/XX/XXXX. Foreclosure XX/XX/XXXX XXXX XXXX, Manufactured docs in Recorders Office Return to : Nationwide Title, Manufacturers of foreclosing docs XXXX XXXX XXXX & XXXX XXXX forgers XXXX provided the foreclosing docs, the loan origination was created at XXXX XXXX XXXXXXXX XXXX, CA. See emails in collateral file from XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was wrongfully closed and my money in the account taken
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94080
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ON XX/XX/XXXX a tenant made a deposit into my Wells Fargo bank account by 2 money orders. one was for {$1000.00} the other was for {$320.00}. It was made in person at XXXX XXXX XXXX XXXX XXXX FL at XXXX PM. When I saw the deposit Wells Fargo had only credited my account the amount of {$520.00}. That also is the amount shown on the deposit slip given to the tenant too ( {$520.00} even though it was clear from the copies of the money orders that they totaled {$1300.00} ). I asked the tenant to go back to the branch and get it corrected. The tenant got back to me and told me that Wells Fargo told her it was up to me to contact Wells Fargo and make a claim and gave her a phone number for me to call. THIS IS UNACCEPTABLE! I called that number and I was informed that it could take 1-7 business days for the funds to be returned into my account. THIS SOUNDS LIKE A NEW WELLS FARGO SCHEME TO FLOAT ON CLIENTS MONEY>>>PLEASE INVESTIGATE. Waiting up to 7 days was TOTALLY UNACCEPTABLE. I called the branch where it was deposited and asked them to look at the error and was told they could not see it or fix THEIR MISTAKE that I had to call another number. All in all I had to call Wells Fargo 5 times and speak with at least 5 different people AND spend over an hour of my time to get the matter resolved. I requested compensation of {$50.00} which I was denied since this is the amount the tenant now owed since it was late because of WELLS FARGO NEGLIGENCE. They made a " Provisional '' Deposit of {$800.00} on XX/XX/XXXX. There is NO REASON under the sun why I should have had to waste over 1 hour of my time to correct Wells Fargo mistake and dealing with their telephone XXXX to finally get to a person who was able to correct a very OBVIOUS mistake or INTENTIONAL NEW SCHEME BY WELLS FARGO to XXXX people out of their money, float on their money, etc. if the customer doesn't pay attention to their deposits. PLEASE INVESTIGATE. My time is not free! I was being very reasonable in requesting {$50.00} credit as that is what the tenant 's rental contract states since I didn't receive full funds until the XXXX of XXXX plus a lot of hassle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My employer sent me a Advance to pay my rent so i wouldn't get evicted through a third party check. My HR lady made a mistake by putting it payable to my complex instead of my name. When i tried to take the check directly to the apartment complex they stated theyd rather take the payment via there pay portal. When i went into my Wells Fargo mobile app to deposit said check, my account got flagged for fruad due and my account will be in foreclosure on XX/XX/XXXX because the check did not having my name on it. ( even though it was in the memo ) I go into a branch and stated all i needed to do is submit documents from my employer stating is was a mistake on there part. My HR lady submitted email of this issue stating is was a mistake on her end. Wells Fargo said that wouldnt be enough and would need it as a letterhead indicating numbers of how much do payment of the deposit was. My HR lady submitted another updated document Wells Fargo said that wouldnt be enough and would a phone number register with the business to verify this accident. My HR lady submitted another updated document with both her personal/ business phone number Wells Fargo stated neither numbers would verify me. I continued to escalate this issue to the fraud prevention department/loss prevention in hopes of speaking with someone that would be able to unflag my account. I spoke with a Manager representative. Her name was XXXX and she stated that as long as the {$1900.00} falls off of my account due my account would be in good standing. She also stated she understood that this issue was base on the fact that my employer is a work from home business that does not have a main office. My employer voided and did a stop payment on the {$1900.00} third-party check and when I called in to verify why the {$1900.00} hasnt fell off of my account they told me that I had to wait for information from third-party bank to verify that the check had been voided. Even though a previous representative had already verified, that information has been sent to Wells Fargo. Gave me a hassle on not giving me the option to let my HR lady be on the call to verify herself over the phone. Even though a previous representative stated that it was OK if I had her on the line to speak to the loss prevention department. After speaking to a manager in the loss prevention department, he stated they only would except a phone number from the CEO of my employer and two pieces of identification as well as two pieces of identification of my own to verify that this is a was a mistake on my employers behalf. This issue has held me up from being able to have my account in good standing for XXXX to help me pay for my rent so I wont get evicted by Wednesday XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A