Date Received: 2023-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Wells Fargo held my primary mortgage, XXXX holds my 2ndary mortgage. I was widowed on XXXX of XXXX and became a single parent of my XXXX old daughter. In XXXX, I was laid off due to COvid. In XXXX, I became severely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and denied unemployment or workers comp inorder to keep my health insurance and have my medical bills paid. During all of this, for the past 4 years, I have constantly, consistently and purposefully remained in close contact with both WF & XXXX to request Mortage Forebearance and Mortgage Modification. I have begged them to settle with me for a discounted payoff. Over the 3 years, I have placed more than 50 phone calls and completed their forms and sustained constance abuse of both entities asking me to resubmit, stating they never received the applications, something was missing that they needed but they never told me. In late XXXX, after being blindsided with foreclosure papers from XXXX ( while I had been calling them weekly to learn if they'd accept a loan modification ), I was referred to Illinois Housing Assistance. I have submitted an application for financial yet they say they have reachecd out and need info from Wells Fargo. Wells Fargo says they never received IHAF request. Conveniently, Wells Fargo has just sold my loan to XXXX and they say they haven't received any request from IHAF. However, everyday when I call IHAF to see if they can award me some support, they claim neither of the 3 creditors have responded and they will not accept the information from me. I have over 75 contact dates, phone numbers, case numbers. I have now just received a letter dated XX/XX/XXXX that the new loan agent of the Wells Fargo Mortgage, will begin foreclosure proceedings in 33 days from today. I can not explain the discrimination and abuse I have endured in trying to make ends meet and to not default by staying in constant contact and providing every single notice of doctors appointments, and medical records. I have dates, records and the best news it, both WF and XXXX have taken all calls from me and my advocate on recorded lines which you can obtain for proof of my hardship and pleadings to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phishing email from service XXXX XXXX on XX/XX/XXXX saying invoice updated amount due {$390.00} to cancel or get a refund called number XXXX XXXX I called as I did not make any transaction but it was a scam. I was asked to download XXXX app to get my refund. Through that app they make me transfer money from my savings to checking but I did not notice. I was asked to check my bank account and I found a credit {$39000.00}. I was shocked, panicked and shaking. Through the app when you type {$390.00} the dot does not work and the amount will be {$39000.00}. On purpose the scammer will guide you during the refund process and asked to type {$390.00} After that incident they told me that I have refunded myself unduly and knowing that I am a honest person I will return the money. I was told to go to the bank and wire the difference {$38000.00} which I did. When I returned home I had a bad feeling that it was scam. I immediately called the bank to stop the wire. I was told that I have to go back to the bank to recall it. I drove back to the bank and the banker recalled the wire. The banker said he dont know when I will get refunded no timeframe no guarantee but the bank will contact the beneficiary bank. My bank is Wells Fargo and beneficiary bank is XXXX XXXX XXXX XXXX I have been going back and forth to WF to get my refund. Feedback from WF is that XXXX is not responding to any messages. As at today I still did not get my money back. I filed a complaint on XXXX website on XX/XX/XXXX and they replied on XX/XX/XXXX acknowledging that they have received my complaint. In short they said that they are an intermediate and the beneficiary account belongs to XXXX. In the same email XXXX responded too they mentioned that WF should contact XXXX directly via XXXX with a hold harmless letter. I went to WF XX/XX/XXXX and forwarded that letter to the banker but it looked like the letter is USELESS. Nothing change. I was out of country from XX/XX/XXXX - XX/XX/XXXX so no follow up to my case. When I came back I went to WF on XX/XX/XXXX and I officially received a reply from WF on XX/XX/XXXX where it says that WF has contacted Beneficiary bank on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX but the beneficiary bank did not acknowledge to any messages. Please consider your claim as closed. So the letter that I received on XX/XX/XXXX from XXXX and that I forwarded XXXX times to the bankers ( each time I visit its a different banker ) is not of any concern to WF. As I did not get any help & support from WF I sent an email to XXXX but I received an automated reply saying -if I am a customer please use in-chat app -if I am not a customer please direct your case to your bank and request your bank to contact us. I am desperate WF has closed my claim who should I see to get help. I also filed a complaint on FBI internet crime complaint center and FTC. After filing FTC I found out that I can also file a complaint on consumer finance.gov. So I just filed my complaint. Looking forward to hearing from you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2018 there was a transaction made without my knowledge. Had to miss a day of work to go in and start a brand new account. Never found out who or what did this transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
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: Fee problem
Consumer Complaint: Would like to see about the overdraft fees that are being reimbursed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
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: Problem making or receiving payments
Consumer Complaint: Bank allowed fraudulent transactions repeatedly beyond limits of accounts and credit card limits repeatedly causing my losses of XXXX and refuses to accept responsibility for the financial losses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
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: Fee problem
Consumer Complaint: I've been a loyal Wells Fargo Customer since about 2007 and I've always had recurring fees, overdraft fees that's they could never explain correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55433
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: Problem accessing account
Consumer Complaint: Wells Fargo had on going fees that happened around 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Multiple times i have got charged on my account. Either it being wrong date or time. Double charges and money that havent went back on. I recently had to report my card stolen due to charges being taken out that I never gave permission multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60181
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Lost account due to unfair fees
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: 2023-05-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wells Fargo continuously asked me for more and more information to verify my address after I had already been approved for and opened the account. I finally closed the account over this. They also never sent me the credit card I was approved for ( I could only use it on my phone through a digital link they gave me ) and recently found out my credit card account is still open even though I called to close it and was told it was closed over a year ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12110
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A