WELLS FARGO COMPANY

2015-04-21

Leesburg, VA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Santa Susana, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Fort Mill, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Adelaide, WA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Harsens Is, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-21

Granada Hills, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I have been applying for assistance since XX/XX/XXXX. My loan is an FHA loan and my lender Wells Fargo Home Mortgage has been refusing to review me for assistance since then. They keep having me send paperwork over and over and then block me from a review each time stating they can not review me without a new change of circumstance. My husband who was half of the income for the household moved out in XX/XX/XXXX. He moved back into property after we reconciled and this was our change in circumstance. My household income went from only XXXX source back to XXXX. Wells Fargo has only played games to buy time to be able to stall and get more for my house. They never had the intention of reviewing me for assistance. They only placated me by taking my paperwork, but never actually reviewing it for assistance since XX/XX/XXXX. They did this in order to buy time and now they are trying to push me out of my home without even reviewing me for assistance to save my home. I now have a sale date and I finally hired an attorney to get my financial packet complete and they now state I can not reapply without a change in circumstance. They have been using this excuse to turn me down since I started asking for assistance back in XX/XX/XXXX. My change in circumstance is that my husband moved back into the property with me so my household income has increased and our out of pocket expenses have decreased. They have never actually reviewed my file for assistance. They continually deny reviewing me for assistance stating that I have no change in circumstance. No matter how many times I tell them there is a change, they just refuse to actually review me for assistance. I only want to actually be reviewed for assistance. I am being told by my attorney that I do qualify for a standard recap modification now that my husband moved back into my house. That Wells Fargo blocks borrowers from assistance as their common practice. Please make them stop blocking me from an " actual '' review and help me save my home. They have never had the intention of reviewing me for assistance and are solely trying to just block and foreclose.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Kennesaw, GA

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

LA

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I went through a non-gov't loan modification with Wells Fargo in 2009 when I was laid off due to reduction in force. I ended up paying more and they took 2 years off the beginning mortgage and added 4 years to the back while increasing my interest rate. I do not recall anyone saying my interest rate would change. Also, they are reporting me to the credit bureaus as late payments although I have n't been late in over 3 years.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Ft Lauderdale, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I initiated a refinace of my home in mid XXXX, I was given a virbal quote of {$2800.00}. When I got the Good Faith Estimate it had a figure of {$7400.00}, which I questioned. I said if it was that expensive I was n't interested in the process. They explaine that it was a high estimate and it would be less when the current loans escro was returned. The process went through but not with out issues. The XXXX question I kept posing to the loan officer was what would happen to the escro on the old loan. They kept telling me it would be returned once the old mortgage was payed off. Well, all is complete but I found out yesterday XXXX/XXXX/15 that the escro was not going to be returned to me. The escro, along with my last mortgage payment on this loan was used to pay off the fees and the costs of paying off the old loan. Out of {$2900.00}, I was only getting back {$670.00}. I was never told about this, never saw it in the Good Faith Estimate, or the Hud Statement or never had this told to me and never recieved any written information with a detailed break down of these charges. At this point I still am unsure how this happened. I have called the bank, the XXXX XXXX people I talked to were very XXXX with me and acted like the bank did n't need to tell me any thing. The XXXX person listened to my complaint, told me she would call me back the next day but I have heard from her. The final cost to refinace my house is at {$8500.00}. One hundred dollars above the original Good Faith Estimate. They do n't seem to want to talk to me. XXXX final though, the bank told me that both the bank and the title company requested clearance to use the escro of the first loan to pay off fees and expensis for that loan. So they also could have mentioned something but did n't even though I questioned them at the closing.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Oak Grove, MO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I call leave messages and do not receive call backs. The last time I spoke to the girl that is assigned to my account, she got rude since I had explained to the girl who answered that I was n't getting call backs. The next time I called, I got her answering machine, I just left a message with my banking information so that I could at least make a payment. The payment was never debted from my account nor did I receive a call about it. I also had a phone number of a gentleman who works there that I also left XXXX messages with hoping he could help me, never received a call back. Needless to say, I do not know whats going on, can not get anyone to call me back and Do Not want to lose my house. As a co-worker explained, the banks do this to make more interest off the customers.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Houston, TX

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Applied for $ 50K HELOC from Wells Fargo on XXXX XXXX, 2015 and was conditionally approved XXXX XXXX, 2015. Several documents were requested as part of the loan process and I requested on XXXX XXXX, 2015 and explanation of what/why some of the documents were needed, I received no reply only that I was delaying the process. In particular, a declaration page of insurance was requested on the home which I sent. XXXX XXXX, 2015, I talked with the loan specialist, XXXX, who suggested I talk with the local branch banker, XXXX, as to changes in my checking account that XXXX lower my interest rate, as the closing was set to go. XXXX XXXX, 2015, I received an email from another Wells Fargo loan specialist, XXXX, that the declaration page had not been received. I emailed back that a declaration page had been sent and documented as received but I was confused if they needed the declaration page from my personal home ( the HELOC was being applied to a rental I own ). XXXX did not reply to my question. I met with the local banker, XXXX, on XXXX XXXX, 2015, but did not change any options forgoing any more favorable loan rate and that the closing would be with her at the local branch. Both of us were certain everything was fine and the closing was set to happen. XXXX XXXX, 2015, I was told that my insurance company was instructed not to put Wells Fargo as the payee on the home 's insurance. This is when I learned why the previous document was insufficient but no one explained this to me, that 's why I asked, I did n't know what was wrong. I have not talked to my insurance company this year, so how could I have instructed anyone there to the contrary. The only person to talk to the insurance company was my wife. When she talked to my insurance company it was to instruct them to put Wells Fargo as the payee. I blindly asked my wife to do this even though no one from Wells Fargo explained to me why or how a claim such as a fire would be settled. If there was significant damage and Wells Fargo was paid off first how, would I be able to bring the rental back to serviceable condition, it just did n't seem right. Wells Fargo is still on the insurance for the home as of right now. XXXX of the issues, is that my insurance company faxed the declaration page to the fax on the loan documents but WF said that was the wrong fax. The declaration page was then faxed to the number provided and WF closed the loan the next week, the first week in XXXX. My original loan specialist had a family emergency and no one at WF kept the process current. If WF would have explained any of the documents this process would have been successful. They treated me as I knew what they wanted and they never answered any of my question regarding loan requirements/specifics, particularly the declaration page, I assumed they wanted proof of insurance - not that they wanted to be the payee. And then again how would a claim be handled as I mentioned previously. When I say original loan documents, I am referring to the loan papers mailed to me at home. On those documents it states that my loan must close by XXXX/XXXX/2015 or the terms of the loan will be voided. No one explained that XXXX/XXXX/2015 had no relevance.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Griffin, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Atlanta, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Philadelphia, PA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Hello, My name is XXXX XXXX and I would like to find out if there is any way that you would be able to assist me in my current situation? I 'm going to try and make a long story short. Everything started in XX/XX/XXXX when I got a sub-prime mortgage loan through Wells Fargo and leads up to today XX/XX/XXXX. When it was time to go to closing, the loan officer that I was working with was no where to be found so they had to brief someone else about my account before we could proceed which pushed our closing time to a later time. Then I 've been battling unemployment and being sick and out of work so my payments have be sporadic but I 've always tried to stay in contact with Wells Fargo or work with a housing counseling agency, or lawyers. I 've been threatened with various foreclosures, and had to appear in court many times. For about 1 year now, I had to get a lawyer to file bankruptcy papers and my trustee payments have gone up XXXX. I was unaware that while in the bankruptcy that I had to continue paying my regular mortgage payments. This caused me to fall behind also. Now Wells Fargo attorney is sending me a notice for a Motion Of Relief to the property. I sent them their Attorney the money in XXXX and WF did n't receive notification until XXXX XXXX and again I 'm being taken to court. This time I do n't think it 's my fault because WF Attorney has a " hold '' on my account until their given instructions on how they want to apply the funds and now it looks to WF as if I had n't paid any mortgage from XX/XX/XXXX-XX/XX/XXXX and that is why I 'm being sued. I 've talked to WF XXXX times and they keep telling me they are unable to speak to someone in their Attorney office and in the mean time, this foreclosure is hanging over my head and I do n't have any where to go with my children nor do I have any money to put out to move. Almost every lawyer I have been to do n't really do too much to help me because they say that WF can do the things to me they have done. Now it 's the XXXX day in a row that I have been calling Wells Fargo and their Attorney still have n't given them instructions as to how or if the funds will be released so that my account will be current.The Attorney 's bankruptcy person ( XXXX XXXX ) can never be reached. I tried to call and left a message, ( XXXX a WF Rep. tried to call XXXX left a message ), ( XXXX another WF Rep. tried to call XXXX left a message and sent an email ), ( XXXX another WF Rep. called XXXX sent an email ), and XXXX XXXX a WF Rep. tried to call left a message and sent an email on XXXX ), and still no one has gotten me any answers yet. Wells Fargo is telling me to make my XXXX payment but I refuse just in case I have to move because they do foreclose on my house, then I need money for a deposit somewhere else. Believe me, its way more to this story but I 'm paraphrasing what 's going on now. What if anything can I do? I 'm looking forward to hearing from someone soon. I NEED HELP A.S.A.P. Thank You Kindly, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Succasunna, NJ

Settlement process and costs

Mortgage: Reverse mortgage

Complaint: On XXXX XXXX, 2015, my mother passed away I was named Executrix of the estate. On XXXX XXXX, 2015, I mailed a copy of the death certificate, letter of Testamentary, and letter of intent to sell the property to Wells Fargo to stop the reverse mortgage. On XXXX XXXX, 2015, the appraisal ordered by Wells Fargo was completed. On XXXX XXXX, 2015, I contacted the representative from Wells Fargo that was provided to me. The paperwork was received and I inquired as to the results of the appraisal. She stated that she had not received it and to call back in one week. On XXXX XXXX, XXXX, I again contacted Wells Fargo regarding the status of the appraisal. I was told there was no appraisal had been submitted to Wells Fargo but she would check into. She advised to use XXXX to establish a selling price. On XXXX XXXX, 2015, I left a message for the Wells Fargo and to date there has been no follow-up from Wells Fargo. On XXXX XXXX, 2015, I called Wells Fargo to obtain an email address to submit my concerns. I was advised that all communication can only be through phone or fax. On XXXX XXXX, 2015, I faxed a letter demanding a copy of the appraisal by XXXX XXXX, 2015 or I would contact your organization. To date there has been no response from Wells Fargo regarding my request.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-21

Murray, UT

Dealing with my lender or servicer

Student loan: Non-federal student loan

Received bad information about my loan
Complaint: I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-21

Blythe, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-21

Addisleigh Park, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Sebring, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-20

Henderson, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Phoenix, AZ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-20

Huntsville, AL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-04-20

Palm Bch Gdns, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response