WELLS FARGO COMPANY

2019-05-30

Corcoran, MN

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

2019-05-30

Garrett Park, MD

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 non-monetary relief

Timely Response

2019-05-30

Fort Worth, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
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

2019-05-30

Spring Hill, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
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

2019-05-30

Blackwood, NJ

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

2019-05-30

Zebulon, NC

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

2019-05-30

Tuckasegee, NC

Incorrect information on your report

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

2019-05-30

Bentley, MI

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX and XXXX show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with Wells Fargo. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, XXXX and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and Wells Fargo not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. Their improper procedures are highly damaging to my credit score. Please immediately delete these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-30

Allerton, NY

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 explanation

Timely Response

2019-05-30

San Jacinto, CA

Dealing with your lender or servicer

Student loan: Private student loan

Received bad information about your loan
Complaint: I have been in communication with XXXX XXXX, From WF Research and Remediation Analyst, Her contact information is XXXX, extension XXXX, M-F from XXXX to XXXX Central time. Since XX/XX/2019 I had requested to Wells Fargo for a co-signer release for my XXXX. My XXXX had graduated 4 years ago, and made her payments dutifully. The glitch came in on that month upon completion of her XXXX degree in XXXX ; her deferment ended on XXXX of that last semester ; consequently she entered XXXX of XXXX program started in next semester of XXXX. Although she called Wells Fargo to inform them of the 1 month interlude and entering XXXX program for continue deferment status, she was not made aware of only 1 payment was necessary for XXXX. Thus she was late in ONLY 1 payment. Wells Fargo notified her immediately in XXXX, and she paid immediately the interest for that month. She thought everything was okay. Now 3 years later, per her conversation with a Representative she was informed that she could released me as a co-signer with her excellent payment history. Yet, They deny her that cosigner release due to that misstep from that one late payment with the additional reason that this is a benefit and not automatically granted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-30

AL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I have been disputing this account for a while it does not belong to me. It has affected my ability to properly care for myself and my family. Please remove this account. I have attached my identity theft report below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-30

Eller, NC

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

Untimely Response

2019-05-30

Reno, NV

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-30

Fountain, CO

Struggling to pay mortgage

Mortgage: VA 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

2019-05-30

AZ

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: Mr. & Mrs. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Bank Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Attn : Ms. XXXX XXXX XXXX COB RE : Account # - XXXX Dear Ms. XXXX, Please take the time to read this letter and dont push it off on one of your XXXX XXXX to answer and follow up with or dont throw it in the trash. I addressed it to you and hope to hear from you personally. I am a XXXX XXXX XXXX XXXX XXXX Veteran who lives on a very small XXXX check and a small Social security check. It takes a long time to save any money and it has been almost 20 years to save what I have in my savings account. My wife just recently had a very bad XXXX, and she does not work or bring in any money at all so we have to be very very careful where we spend our money. I have needed a hot tub for a very long time, since XX/XX/XXXX for all my XXXX and XXXX I received in XXXX XXXX and from our Federal government a good dosing of XXXX XXXX, XXXX, XXXX and XXXX. Last month our local hot tub supplier in XXXX, Arizona ( XXXX XXXX ) had a great deal on hot tubs that I thought I could afford to make the payments on, they were offering no interest for 9 Months if paid in full before that date arrived and they said it was through Wells Fargo. Right there I thought about how Wells Fargo XXXX so many people out of their money and my wife and I discussed it and said we thought we would give you a try since it sounded like you guys cleaned up your act and fixed all the wrong doings. Well we just got our 2nd request for payment and you guys charged me {$27.00} late fee which is XXXX, and said I was in arrears for {$210.00} which again is XXXX. I sent in my first check on XX/XX/XXXX, on check number # XXXX and my bank shows it clearing on XX/XX/XXXX, from my bank below CHECK # XXXX WELLS FARGO CARD CHECKPAYMT XX/XX/XXXX - ARC ID : XXXX Cleared Check {$600.00} it was not due till the end of XX/XX/XXXX. I just sent in another Check # XXXX for {$600.00}, it has not cleared as of yet, but this payment is not due till XXXX again. These payments were sent to Wells Fargo Bank NA, XXXX. XXXX XXXX XXXX XXXX, CA XXXX on your own payment slip and envelope! Is your bank still XXXX these things up and misapplying payments! This afternoon I got on the phone about all these XXXX XXXX, and the person I spoke with said they had no record of my payment, he said I should contact my bank and ask them to send proof of this paid check to a fax number Attn : XXXX. My bank will not do that over the phone, so in the morning I and my wife have to drive 90 miles round trip to the bank and get this done. I am just hoping that this is not every month thing I have to do because I can not leave my wife alone and it takes some time to get her ready to travel! Rather than do every month my wife and I decided to take the balance owed to Wells Fargo in one lump sum and pay this in full by cashiers check, this will deplete my savings account drastically, but this is preferred over having to go through these things each month with a bank like yours! I am hoping that there is a XXXX somewhere where companies, banks and people go to and suffer for all the crimes and problems they cause people like us that play by the rules, live a good life, give back to the community and follow the golden rule. I am passing the word to all the military veterans about how I was treated by your bank, and there is 13 million of us and word will get out! If I should ever hear from you personally I would be blown off my feet, I wont hold my breath though! Sincerely, XXXX XXXX PS. Went this morning to my bank and they said Wells negotiated my {$600.00} check electronically on XX/XX/XXXX, and the Wells Transaction /Trace number was # XXXX. I then went to your Bank in XXXX and tried to get them to pull up this transaction number and they said they could not do this! WHY???????????????????????????????????????????. I also depleted our savings this morning to pay your XXXX bill {$4700.00}. That coupled with the {$600.00} you cashed on XX/XX/XXXX and a recent check sent to you for another {$600.00} check ( # XXXX on XXXX/XXXX/XXXX ) pays this XXXX account in full and I will warn everyone what I had to put up with your bank. You guys are ALWAYS out to XXXX the little guy, but its us little guys that keep the country moving forward despite terrible un-American companies like Wells Fargo! CC : Mr. XXXX XXXX Senator XXXX XXXX US Senator from Arizona XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 Million Subscribers 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

Untimely Response

2019-05-30

Saint Clair Shores, MI

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 explanation

Timely Response

2019-05-30

Antlers Park, MN

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I have an XXXX XXXX XXXX credit card issued by Wells Fargo Bank NA. I recently purchased wedding/engagement rings totaling {$19000.00} on XX/XX/2019. The special financing they have was zero down, 9.99 % with equal payments over 60 months. On XX/XX/2019, an account statement was generated showing a payment due on XX/XX/2019 in the amount of {$410.00}. {$410.00} x 60 payments equals {$24000.00}. When amortizing the amount financed over 60 months with equal payments of {$410.00}, this translates into an APR of about 10.5 %. Using an exact days method of accruing interest, for it to be 9.99 % APR, the payment should be {$410.00}. This is only {$4.00} per month, but over the life of the loan, its {$280.00} of what appears to be over charged interest. I called Wells Fargo customer service on XX/XX/2019 and was told, at multiple levels, that all they know is they have a " payment factor '' of 2.1465 % and refused to provide any additional information on how the equal installments were being computed as well as refused to provide any sort of amortization detail to prove out the payments. The 9.99 % APR they claim they offer is not 9.99 % and although minor in dollars at the individual borrower, it is significant if you multiply it by hundreds or thousands of individual borrowers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-29

N Chesterfld, VA

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-29

Durham, NC

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
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

2019-05-29

Houston, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-29

Green Acres, FL

Applying for a mortgage or refinancing an existing 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

2019-05-29

Centerville, FL

Closing on a mortgage

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

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

Timely Response

2019-05-29

Glendale, AZ

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

2019-05-29

Helt, IN

Struggling to pay mortgage

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

2019-05-29

Durham, NC

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response