WELLS FARGO COMPANY

2015-04-09

Lopezville, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Brookside, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX, XX/XX/XXXXConsumer Financial Protection Bureau, ( www.consumerfinance.gov/compl ... ) Reference, Well 's Fargo and ASC are servicing my loan in behalf of the deceased corporation XXXX Mortgage. They collect and pilfer my monthly mortgage payments. Few weeks ago, a received the attached notice about my escrow account from Well 's Fargo, the XXXX paragraph reads as follow : " Your escrow account has more funds than necessary, so we 're mailing you a refund and is made payable to : '' Some years ago, I did encounter several persons that received similar notice and refunds from their Well 's Fargo escrow accounts. Only to be notified by Wells ' Fargo some months later that their escrow accounts had a shortage. And of course, Well 's Fargo promptly lend them a high interest rate monies to cover their escrow shortages. Several borrower 's went in to foreclosure ; because, they could not afford the new higher monthly payments. Some, other lucky borrowers were able to re-finance with another lender. Because of the past experiences, I suppose that Well 's Fargo and ASC want to foreclose my home. I will not be able to refinance ; since, ASC and Well 's Fargo are not my loan originators. They are only collect and pocket my mortgage payments. My loan was originated by XXXX XXXX. The only lien recorded on my property, since XXXX to the present, at the County Clerk 's office, in XXXX County, it is The XXXX XXXX promissory note for the amount of {$82000.00}. [ loan # ] XXXX XXXX never sent me a written notice about them selling or transferring my promissory note ; it did not issue me a Lien Release, and/or a pay off letter. [ Thus, I agreed and understood about the lender 's ability to " sell '' my loan - but I never agreed to the securitization, electronic recordation, or transfer-ability. Well 's Fargo and ASC Mortgage had admitted in writing that they do not own my loan. Well 's Fargo and ASC are servicing my loan in behalf of the deceased corporation XXXX XXXX Mortgage. Since, XXXX XXXX Mortgage declared bankruptcy in the fall of XXXX. Well 's Fargo and ASC Mortgages shall reimburse to me, all the monthly mortgage payments that I have been making under the ASC loan Num., from the fall of XXXX to XXXX. Thank you for your attention and any help you can give me to stop well 's Fargo and ASC Mortgages to rob me the money from my monthly payments. AttachmentYour escrow account has more funds than necessary, so we 're mailing you a refundLook for your escrow statement and refund check in the mailDear : As part of the escrow service we provide with your mortgage, we collect funds from you each month to cover the cost of your real estate taxes and/or property insurance. We hold the money and make the payments on your behalf when they 're due. Your escrow account is projected to have more money than is necessary to pay your taxes and/or insurance, so we 're sending you a check for the difference. Please look for it in the mail within 10 business days. It will be attached to your escrow analysis statement and is made payable to : If you have questions regarding your escrow analysis when you receive it, call us at XXXX, Mon - Fri : XXXX XXXX - XXXX XXXX, Central Time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-09

Cambria, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Garrison, MD

Communication tactics

Debt collection: Mortgage

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-09

Tarzana, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I am a single mother of XXXX who has been a loyal Wells Fargo customer for over 15 years. My loyalty stems from the fact that my family and I have XXXX accounts with Wells Fargo which is why I decided to use the Wells Fargo Dealer Services car loan service rather the other options that I had when I purchased my car in XX/XX/XXXX. I could never have imagined that a company I supported this much would be the one to destroy my credit worthiness by reporting me late and by closing my account when I have made all my payments to date. I have requested for the pay off amount, the transcripts of all my calls to WDLS and have yet to receive these documents. Here is the brief about this case below : XXXX XXXX, Collections Manager is charging me for insurance when I already carry insurance through XXXX. This is a scam to steal funds from me! I traveled out of the area on business for months and garaged me car. I arranged with my XXXX insurance to remove collision insurance from the comprehensive insurance since I would not be driving the car. However all the other insurance was intact and I paid all my premiums. XXXX XXXX requested proof and I submitted all documents ; held XXXX way telephone conversation with XXXX XXXX, my insurance agent who explained that the car is covered, Wellsfargo insurance agent who stated that it was up to XXXX XXXX to waive the Wellsfargo insurance for me as has been done for other people. XXXX XXXX told me that the waiver has been done. So I was surprised when my credit bureau report shows that I was reported late for late payment even though I had been paying my usual payment without including the Wellsfargo added insurance since XXXX XXXX said it was taken care off. When I called XXXX XXXX, he apologized profusely and said he would take care of this, and have my credit profile corrected but he was just stalling. He asked me to call the insurance dept of Wellsfargo who told me that they do n't know why XXXX XXXX asked me to call them because they do not have anything to do with waivers. XXXX XXXX has been lying to me and is using the credit bureau report as an intimidating way to get me to pay Wellsfargo Dealer Services another over 600 dollars which XXXX XXXX will get credit for, which is a XXXX charge because I already have insurance with XXXX which even with the collision coverage included is cheaper than what Wellsfargo Dealer Services insurance is charging me. I have tried to resolve this through Wells Fargo Dealer Services but all they do is threaten me. This is a scam and should be STOPPED! Even their own insurance department has said that it is a scam! I have tried to resolve this case through Wells Fargo Dealer Services, WDLS, Customer Service and various channels for the past year without success. I reached out to Better Business Bureau, but WDLS keeps using delay tactics to draw out the complaint 's duration and the case has not been resolved. A staff member at Wells Fargo Bank branch recommended that I reach out to the CEO for assistance after hearing my story of how Wells Fargo Dealer Services is charging insurance for my garaged car which already has insurance and for which I have filed a Certificate of Non-Use. I did so on XX/XX/XXXX and have not received a response. In the mean time my credit worthiness is under attack and my FICO score has dipped negatively. The incorrect credit report needs to be corrected ; the late fees need to be removed ; and the harassing phone calls need to be stopped- XXXX XXXX continues to call me and that needs to stop! I have attached supporting documents that will enlighten you more about this unfortunate situation. I look forward to your intervention and a speedy reversal of these actions by WDLS.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-04-09

Scottsdale, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Wells Fargo has been playing games with my mortgage and my home now for a year. We first agreed to a Deed in Lieu. I signed over the home and vacated like they requested. The date they requested there was not a lien on the house but because they dragged their feet with recording - the HOA placed a lien on the house. However, I was never told the title never recorded. Meanwhile my credit was destroyed and the home has XXXX HOA liens and Wells Fargo still has not taken title and now claims they have reneged on the DIL. Now they are harassing me for the mortgage payments. I moved back in the home and have been asking to work with them on a modified loan but they refuse to help me. They call me XXXX to XXXX times a day yet no one will speak to me about a loan modification. I am certain they are just looking to rack up fines and fees so they can be reimbursed by Fannie Mae or whatever unethical business practice they are up to. They have destroyed my life and continue to do so. I just want to stay in my home and pay my mortgage but I need the to work with me. I would n't even be in t his mess if t hey had just recorded the DIL when they were supposed to. They are so unethical I can not believe they can get away with such fraud.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-09

Clayton, NC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

San Diego, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-09

Bridgeboro, NJ

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Nyc, NY

Lost or stolen money order

Other financial service: Money order

Complaint: SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. Im very upset, this bank is bullying me. ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Tacoma, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Skyland, AL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Philatelic Center, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Tacoma, WA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I identified new information for the cause of the XXXX 30 Day Lates on my Wells Fargo Mortgage. As previously communicated, my XXXX yr old mother got XXXX in XX/XX/XXXX and we moved her to XXXX closer to me. In the confusion, I inadvertantly missed XXXX payment, so each payment after for 3 months were also " recorded as late '' until I caught my mistake and made a double payment in XX/XX/XXXX. I sent a request in writing to investigate and remove the inaccurate reporting in " Good Will '' as I have always been on-time with my mortgage and considering the new information. I also added automated withdraw for all future mortgage payments, so it would n't happen again. I received a form letter response indicating what could be done ; nothing, and it was attached to the previous response that was sent to me. I do not think my request or new information was even looked at, just a representative doing a lookup and then regenerating the form letter decision. This is also preventing any opportunity for refinance and a way for Wells Fargo to keep me at 7.375 % when the going rate for the past 2-3 yrs has been hovereing around 3.5 %. This is unfair and Im confident this failure to investigate violates Reg Z, UDAAP, and FCRA and the subsequent improvements to FCRA that occurred in XX/XX/XXXX, and my ability to secure a new loan and refinancing ( Reg B ). I am willing to pursue this issue to the letter of the law.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-09

Tubac, AZ

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Midlothian, VA

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-04-09

Swiftwater, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-09

IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-09

Neotsu, OR

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX 2014 someone took money from my bank account at Wells Fargo. It took a year, but I finally found out that my granddaughter had done it. If I had known my granddaughter had done it I would n't have filed the report. I called Wells Fargo and told them not to prosecute my granddaughter that I would pay the fees from my checking account, but now they wo n't listen. My granddaughter then had a XXXX from the stress and still has court on the XXXX of this month. Please help me stop this. When I called Wells Fargo to drop the case they said they would, but they wo n't.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Soddy Daisy, TN

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I pre qualified for a XXXX loan from wells fargo on a home loan. The house appraised out at XXXX the XXXX mortgage is XXXX, leaving me with XXXX in equity. I am XXXX years old with a credit rating of XXXX. I was jumping through hoops and can document why for this loan. I was ultimately denied because " I do not have enough in savings '' I know it has to be age related. I feel discriminated against ... because anyone with common sense would know that XXXX XXXX still leaves a considerable amount of money on the table.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Oakland, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-09

Raleigh, NC

Loan servicing, payments, escrow account

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Disputed: No Timely Response