WELLS FARGO COMPANY

2015-04-22

IL

Settlement process and costs

Mortgage: Other mortgage

Complaint: I bought a REO property through an XXXX auction. The bank selling the property gave me a XXXX page contract stating what they would and would not pay for in the transaction. I consulted my lawyer and had a good understanding of the contract. The bank 's lawyer then told me and my Lawyer " do n't care what the contract says, our client is not paying any of these expenses. " I argued with the bank and they agree their lawyer was wrong about some items and offered to pay a fraction of the charges. I have not heard from them since.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-22

Gloucester City, NJ

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: An Area Sales Manager for Wells Fargo Home Mortgage was quoting interest rates to a consumer with no active NMLS number.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Seattle, WA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: My parents opened an IRA with Wells Fargo for me for the tax year XX/XX/XXXX in XXXX. It was opened with my Social Security # but since I was in college at the time, moving frequently, my parents had the statements mailed to their house. A few years later my parents moved to XXXX and continued to have the statements mailed to them. A few months ago I was looking through documents my parents had given me years ago and found a statement from XX/XX/XXXX and wondered what the value of it was. I called Wells Fargo - they have no record of that account number and know nothing about it. I 've called their general XXXX # ; their South Dakota headquarters, several depts and even the branch in XXXX, XXXX where it was opened. Wells suggests that because there was no activity ( e.g. contributions ) on the account that they would have sent a notice asking for contact from the customer and if they did n't receive a reply they would have escheated it to the state where it was first opened. They also note that since it 's been more than 7 years they are not required to keep records and is why they are n't able to find the account number or any activity on it. I have called the XXXX State Treasury 's Unclaimed Property - they do not have any record of it. The XXXX State Treasury indicates that they believe that unclaimed property will follow the individual 's Social Security # and since I now live in XXXX, WA it may be here. I called the WA State Treasury. Their unclaimed property dept has no record of it. WA State Treasury believes that unclaimed property would have been sent to the state that the bank last had record of for the customer. In this case that would be XXXX. I called the XXXX State Treasury, and again - they have no record of it either. My mother is meticulous about keeping records - she does not ever recall receiving a notification from Wells Fargo that there was no activity on the account and it was going to be escheated. Both my parents and myself had assumed that an IRA is not something that needed to be kept " active '' - we were under the assumption that it is a retirement account, meant to be left alone until ready to draw on the funds in retirement. I am far from retirement. Your help with this matter is greatly appreciated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-22

Fountainville, PA

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: Wells Fargo Home Mortgage has been stalking my home for months due to my family not being able to get the monthly payments in on time. The past two days I have been approached by one and followed by another. Which resulted in XXXX phone calls to the mortgage company to cease and desist having my home watched and was told they would not stop. This in turn resulted into me calling my local police department to file a formal complaint for stalking on a daily basis and harassment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

AL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am a victim of identity theft from more than XXXX years ago. Someone tried to open a Wellsfargo Card Services Account in my name which caused an inquiry on my credit report. I have a fraud alert on my credit report stating to not extend credit unless I am contact to approve anyone to view my report. I have disputed this information more than XXXX times and have received XXXX letters asking for information. I have faxed it more than XXXX time and the last representative accepting my personal information over the phone. I received another letter on XXXX XXXX, 2015. I called and spoke with XXXX XXXX, she was very rude and unprofessional and It was discriminating. She would not give me her ID number or connect me with a supervisor. She stated that she did not have an ID number. I was treated unfairly and I have sent them what they needed more than enough times. I want this inquiry removed from my XXXX credit report. It was on XXXX XXXX, 2015. I can be reached at XXXX. Once it it removed I am requesting Wellsfargo to send me something in writing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Newnan, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I contacted my bank ( Wells Fargo ) regarding a debit from my account from XXXX that I did not authorize. I filed a claim for {$220.00} then {$90.00}. I was issued a temporary credit while they investigated. On XXXX, I received a letter stating the investigation was closed and I authorized the transaction. The letter stated I could call the number and receive documentation that made my bank reach that judgement. The letter also stated that the temporary credit will be reversed " 5 business days after XXXX/XXXX/15 ''. I called customer service to get information about my claim. I was told that it was closed but they still are in arbitration with XXXX and I may in fact get my money back. They told me that XXXX has until XXXX XXXX to respond again. I asked if they are still working to get the money back, why are they needing to reverse the credit. I was told that at that point they had to. No real answers. On XXXX/XXXX/2015 after XXXX, the credit was reversed. I had outstanding debits because I was expecting them to reverse the credit when they said they would. I called and requested to speak with a manager. I was told they will have a manager call me back within 24-48hrs. No call back. I received a bill from XXXX, showing where they reversed the payment of {$220.00} and put it back on my bill. I contacted customer service on XXXX, letting them know that XXXX reversed that. I wanted to know why if XXXX reversed it, why is my bank stating that the money was with XXXX. I also let them know I never received a call from manager. The representative stated no one was available to assist me since it was escalated to manager, so I must wait for a call. She put in a XXXX request. This is XXXX and I still have n't heard anything.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

IA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: Back in XX/XX/XXXX we had to claim chapter XXXX bankruptcy. I had a loan on my car with Wells Fargo I made my payments, then paid the car off in XX/XX/XXXX. When I looked at my credit report I noticed I did n't get any kind of credit for doing this. Wells Fargo stated it was discharged in Bankruptcy. I called them and they said it was there right to not show I made my payments and that I had paid this account in full because we filed chapter XXXX and did n't reaffirm the loan so this is why we do n't get any credit for the payoff or my monthly payments made. I do n't understand how they can do this and how can I rebuild my credit when things like this happen.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2015 at around XXXX, I visited the branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, to purchase euros. I used a credit card after being assured XXXX by the teller that it would process as a charge and not a cash advance. I told him that I would pay cash if it processed as a cash advance because I did n't want to pay the cash advance fees. I looked at my account online a few days later and discovered it had been processed as a cash advance. I was finally able to speak with the branch manager, XXXX XXXX. She took my information and told me she would get back to me. She called two days later and left a voice mail to call her with no further information. I have since left a voice mail XXXX on her direct number XXXX, but have not had the courtesy of a return call.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-22

San Gabriel, CA

Sale of account

Credit card:

Complaint: WellsFargo Bank N.A. Credit Card Limit Increased I obtained a credit card through Wellsfargo at age XXXX, upon beginning my university career. From age XXXX to the present, over XXXX seeing through my responsibility my credit card payments has been a priority. Upon losing my full time employment position in XXXX due to the recession, I was provided with a severance pay equal to a little over {$8000.00}. At the time I owed Wellsfargo Bank 's Credit Card company about {$8000.00}. I paid the balance in full. After I lost my middle class job in XXXX. So I worked XXXX jobs ( XXXX ) as a XXXX and ( XXXX ) for the XXXX, my income was below the poverty line. I took the XXXX and made it into XXXX School. In XXXX, a period in which I made an income lower than the poverty line and later as a XXXX student Wellsfargo continued to raise the credit limit on the credit card issued to me until it reached about {$20000.00}. In addition, while having no stable source of income and as a student they provided me with a personal line of credit in the amount of {$9000.00}. They did so, without my requesting them to do so, and without taking into consideration whether or not I was employed, nor taking into consideration my income. Customer Service Upon graduating from XXXX School, I was extended the great privilege of accessing a incredible job offer where my income would have been above {$90000.00} per year. The XXXX exam, however, has been a barrier. I did not pass the exam the XXXX time ( XXXX XXXX exam ). I had to take the exam a XXXX time, with no income and while unemployed, I was forced to look to my Credit Card and my Personal Line of Credit to take on that XXXX exam endeavor XXXX more time. Forbearance Denied Before taking the XXXX exam a XXXX time I called Wellsfargo 's Credit Card company. I explained I was unemployed, a student, and that I could foresee a struggle with payments. I requested a Forbearance similar to Federal school loans. They informed me they could do nothing to help me and was asked to pay an even greater amount of money than my original required amount that month. I was unemployed at the time and knew I would fall behind if I did n't get help. So I began to live off my personal line of credit, and to use it to pay my Credit Card to keep up with the payments, I simultaneously worked to find a employment and was unsuccessful. Because I had this a life changing job offer still accessible if I passed the XXXX, I felt the reasonable thing to do was to try to get the XXXX Exam again. If I passed, I 'd pay off all my debt in no time and I could provide for me and a better quality of life for my family. Sadly, I did not pass the exam the XXXX time ( XXXX XXXX ). After take the exam in XXXX I looked for work vehemently. I was unable to secure stable income until XXXX XXXX. My paychecks average {$1000.00} to {$1200.00} a month. I work 40 hours a week, 5 days a week. Delinquent Account I began to struggle to keep up with my credit card debt towards the end of the summer of XXXX. Once I secured employment and knew I 'd be paid in the upcoming month or so I called WellsFargo to see if we could coordinate a more manageable payment plan. The interest rates were lowered. I believed I would be able to make monthly payments of about {$350.00}. So I borrowed a significant sum from a friend and got the account caught up in the Fall of XXXX. Once I had an income {$460.00} went to rent, {$200.00} went to food, {$250.00} to gas. I was unable to to keep up. Excessive late fees have accrued, closing canceling of accounts too. I spoke to Wellsfargo representative in the recovery department yesterda, XXXX XXXX, XXXX at about XXXX. I was given XXXX options. To pay the entire sum of the credit card debt over the course of ( XXXX ) three years at {$630.00} per month or ( XXXX ) one year at a rate of {$1100.00} per month. A sale of account is planned. Help.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-22

Camden, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I submitted a complaint against American Servicing Company on XXXX XXXX 2015 via CFPB. I was contacted on XXXX XXXX 2015 by ASC stating they were going to do an investigation into the matter of alleged missing paperwork, quick change of home preservation officer before a loan modification could be approved, a promise of a new loan modification once my trial period was over, which I was never given. The investigating officer ( XXXX ) gave me a contact number which no one ever picks up. I received a letter from their attorney who is ready to put my home up for sale through the county Sheriff office. I contacted ASC attorney within the ten days as requested notifying them how I was going to secure the loan. I stated in the letter I am applying for a home loan modification with ASC I have yet to hear anything from ASC or the investigating officer and today date is XXXX/XXXX/2015. I believe my rights to secure a loan modification has been violated. Promises to grant a loan modification, lost of paper work, switching of loan officer each and every time I am TO get a decision for a modification, and the new loan officer always states " they have no idea what the last loan officer did '' so I have to start all over. I NEED HELP!!!! Lastly, XXXX only contacted me because of the complaint I placed with CFPB.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Peoria, AZ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-22

Lawncrest, PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Hallwood, CA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

San Diego, CA

Can't repay my loan

Student loan: Non-federal student loan

Can't get flexible payment options
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Lk Buena Vis, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-21

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Atl, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Chicago, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Fort Worth, TX

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Farmville, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Oak Ridge N, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-21

Jacksonville, FL

Getting a loan

Student loan: Non-federal student loan

Can't qualify for a loan
Company Response: Closed with explanation

Disputed: No Timely Response