WELLS FARGO COMPANY

2019-11-19

Edgemoor, DE

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-19

Cornelius, NC

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-19

Atl, GA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: In progress

Timely Response

2019-11-19

Camp Johnson, VT

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-19

Kingstree, SC

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-19

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Untimely response

Untimely Response

2019-11-19

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

AZ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-18

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Manteca, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: In progress

Timely Response

2019-11-18

MO

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: Received card - Terms were to make {$500.00} in purchases to get {$150.00} back - Also had balance transfer offer. Made purchases, used Wells Fargo App to ensure all transactions were posted to account. The app shows details like Transaction Date and Posting Date. I reviewed ALL transactions, and they ALL showed that they have been posted to the account a minimum of 24 hrs prior. So, I made payment in full, which posted a couple days later. I happened to look back at my app and it showed a new balance of {$140.00}. When I called Wells they told me that it was still part of my charges that were posting. I asked why they had all shown posted to my account via my app a full 24 hours prior, why would I still have outstanding transactions. The response was that even though they show posted to my account, it takes 1-3 days to HARD POST. Three separate levels of reps told me this. I asked if the words HARD POST were explained or even present in my Cardmember Agreement, they said it was. Upon a search it was revealed to in fact not be in my agreement and any language could not be found around hard posting times. This is a deceptive practice, I was presented with a total balance, and confirmation that all transactions had posted, I made payment in full. Then a couple days later, without any further use of my card, I have a new balance. All this activity was well before any statement date, so if I had not done due diligence in checking my account again, I would have interest billed that I was not expecting or planning for. When I asked if they thought that was clear to the Customer, I received a canned answer that it is my responsibility to review my statement each time. If I paid my account in full, with all transactions showing posted, and did not use my card further, all before any cycle date, why would i need to review my statement!? As you read this, I hope you can understand my position and why this is totally deceptive. I filed a formal complaint with Wells CASE ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Santa Ana, CA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: I have been denied any financing for my XXXX XXXX XXXX THE DEALER TOOK MY TRUCK FOR TRADE I HAVE BEEN STORING THIS CAR FOR YEARS ITS NO LONGER THE BANKS ASSET ITS MINE HERE IS PROVE SOME HIDDEN CONTRACT I NEVER SIGNED WANTS ME TO PAY OFF THE CAR OR ALMOST ALL OF IT THAN SWOOP IN FOR THE DEAL FORGET IT WISE GUY. WHO HAS THE TITLE TO THIS CAR AND REMOVE THAT FILTHY ADVERSE ACTION ON MY CREDIT REPORT ASAP I HAVE POSSESSION AND THATS THAT THE CAR ISNT WORTH ANY MORE THE LOAN OFFICER IS A CROOK AND I AM NOT GOING TO PAY THOUSANDS TO RIDE THE BUS WITHOUT NOTHING EXCEPT A XXXX XXXX DOLLAR ADVERSE MARK ON MY CREDIT OUT OF MY MY TRUCK AND CAR FORGET GET CROOKS THE GIG IS UP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Lewisville, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Wells Fargo is refusing to pay {$400.00} bonus they advertised because they now claim the qualifying deposits had to be made during each monthly statement period not during each actual month. So for example in my case between XX/XX/XXXX and XX/XX/XXXX, etc ... instead of between XXXX and XX/XX/XXXX, etc ... However, this is not what they advertised. The bonus offer clearly states " three consecutive months '' ... not monthly statement periods. From their website : Within 150 days of account opening, receive a monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. During this time, your new account balance must be {$1.00} or more. I opened my account on XX/XX/XXXX and made {$3000.00} in qualifying direct deposits within 150 days for the consecutive months of XXXX, XXXX & XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-18

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Stkn, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Columbia, MD

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Rncho Domingz, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: On XX/XX/XXXX I, wrote a check to a friend for {$130.00}. On that date she took the check to her Wells Fargo bank branch in XXXX XXXX and cashed it. A few days later the bank returned the check saying " refer to maker " and deducted the {$130.00} from her account. She contacted me at which time I pulled my XXXX XXXX XXXX statement that showed the check cleared my account. I have since received the copy of the check showing it cleared XXXX XXXX XXXX. When trying to provide the information to XXXX XXXX " Financial Crimes Manager " XXXX I was informed that she could not discuss with me because I do not have an account with Wells Fargo. The person I wrote the check to proceeded to contact the XXXX XXXX XXXX investigation unit and the response was that they could not help her, it was a XXXX XXXX XXXX problem. I have subsequently received information from XXXX XXXX XXXX, front and back of check, showing funds were wire transferred to Wells Fargo. Wells Fargo has neglected to provide any information that the funds were never received. Nor will Wells Fargo reach out to XXXX XXXX XXXX. I have all documentation that is needed. Wells Fargo : XXXX # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Oxford, GA

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-18

Soquel, CA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I sent money ( {$1600.00} ) with XXXX from Wells Fargo Online account on XX/XX/2019. Money was sent via email address to a person known to me and to an email address that I have used to communicate with her. The money was not received. I filed multiple claims with Wells Fargo Bank. I was on a conference call with WFB and the person I sent money to. WFB knows the person did not receive the money. Wells Fargo notified me that the transfer was processed and there is nothing more they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Magnolia, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I recently complained about Wells Fargo and a credit issue and although I disagreed with the company response in Case No. XXXX, nothing has been followed up on yet the company completely ignored the issues causing my concerns. Wells Fargo DID NOT address my concerns yet merely did the same thing they always have done which is ignore my complaints and refuse to explain issues I pointed out. Please reopen this complaint. They went through my personal bank account and went through all my checking statements, which I find very troubling as XXXX should only be able to look at my payments and statement from XXXX. XXXX Wells Fargo should not allow the review my personal purchases that have nothing to do with XXXX payments. I advised in my complaint that payments made to Wells Fargo XXXX were withdrawn from my account 'immediately ', yet on the statements they have dates that do not align with when the payments were made. Example, make a payment via the Wells Fargo app, the money is taken out of my bank account IMMEDIATELY ( say a Thursday ). However, Wells Fargo would sometimes post these payments 3 & 4 days later ( not till Wednesday or Thursday ), making it appear the payments were later than they were. To be clear, when I made a payment to XXXX money came out of my checking account right then!!!!! Reviewing my statement does NOTHING if you do not review the faulty payment system. My complaint pointed out that their payment system was not accurately reflecting payment posting dates and reviewing the statements has nothing to due with Wells Fargos faulty payment processing I complained about in my original complaint. In addition, Wells Fargo has incorrectly calculated the 28 days in XXXX. Combined with the delay in posting my payments due to the payment error on Wells Fargos side, Wells Fargo needs to remove the late payments and fix my credit report. I was also not late in XXXX & XXXX of 2019 yet WELLS FARGO refused to address that in my complaint too. Even if I was late 2x in one year per their misleading account statement ( XXXX & XXXX ), I WAS NOT LATE FOUR TIMES!!!! PLEASE GET THIS RESOLVED AND DO NOT LET WELLS FARGO PULL THE WOOL OVER YOUR EYES AGAIN!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-18

Fortuna, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-18

Huntington Park, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-18

Salisbury, PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Miami, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-18

Lake San Marcos, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response