WELLS FARGO COMPANY

2015-03-25

Arco, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: OVER THE PAST 2 YEARS I HAVE TRIED TO GET ASSISTANCE ON MY MORTAGE. WELLS FARGO HAS NOT BEEN HELPFUL WHEN TRYING TO SEEK HELP AND I WOULD LIKE TO SEE IF ANY OUTSIDE PROGRAMS CAN ASSIST IN GETTING MY MORTGAGE PAYMENT LOWERED.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Indianapolis, IN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

La Tijera, CA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

VA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My name is XXXX XXXX XXXX I called wellsfargo to speak to XXXX XXXX XXXX at XXXX ext XXXX .I left XXXX voice mail to return my call.he did not return my calls for a remodify my ex-wife made in XXXX on loan # XXXX client XXXX .it is a different amount from original amount from XXXX remodify in XXXX. I feel that there is foul play in this matter and I want answers.in the divorce decree in XXXX my ex-wife XXXX XXXX XXXX was to assume the loan and I signed over a quick claim deed where she XXXX XXXX XXXX ( ex-wife ) is responsible for the mortgage, taxes and insurance she also filed for XXXX XXXX in XXXX .why is the mortgage still showing up on my credit report.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

N Las Vegas, NV

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Glendale, CO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: This is a short sale transaction. We originally submitted to Wells Fargo XX/XX/XXXX without an offer. FHA requires the seller pre-qualify for the program before offers will be considered. We made no progress with the process and finally received an offer and submitted a complete package, offer, updated financials etc on XX/XX/XXXX. The offer still would not be considered until seller qualified, but they still new we had an offer. We just kept plugging along trying to get seller pre-approval. On XXXX after being told when I called in several updates by WF that the file had already been sent to FHA for final review, I received the following email from WF Processor ( the notes in CAPS are my instruction to the seller : From : XXXXXXXXXXXX [ mailto : XXXXXXXXXXXX ] Sent : Wednesday, XX/XX/XXXX XXXXTo : XXXXXXXXXXXXSubject : RE : XXXX I was trying to see if I could move this file to audit but still missing the following : Bank statements - I have XXXX but we need XXXX can you have the borrower 's fax in the last XXXX consecutive months accounts ending in XXXX - LAST XXXX I HAVE FOR XXXX IS XXXX AND XXXX IS XXXX. I DO N'T WANT THEM TO COME BACK AND SAY TOO OLD IN TWO WEEKS! PLEASE SEND XXXX & XXXX FOR XXXX AND XXXX, XXXX & XXXX FOR XXXX Paystubs also we XXXX for each borrower - we were missing XXXX for each -- fax the last XXXX consecutive paystubs for both - AGAIN ONES ON FILE ARE FROM XXXX AND XXXX. PLEASE SEND XXXX CONSECUTIVE CURRENT FOR BOTH OF YOUFinancial worksheet needs to be signed and dated ( attached is a blank one ) - SEE ATTACHED. THEY NEED ON THIS FORMAT SINCE THEY PULLED THE FILE TO BE WORKED OUTSIDE OF EQUATOR XXXXNo brokerage act letter signed and dated OR copy of brokerage ( 401K, annuity act, etc. ) - EITHER OF THESE OPTIONS, NEEDED FOR BOTH OF YOU. Everything else looks okXXXX XXXXThe sellers are a mother and her son. Her son has little or no access to the internet so obtaining updated documents is very challenging. I finally received all the documents on XXXX and submitted them to WF via fax and email to XXXX. I then emailed her on XXXX asking if the file had been sent to FHA, with NO response. I emailed her again on the XXXX and then called the main line. The gentleman I spoke to confirmed receipt of the docs and said the file has been sent to FHA and we should have a seller approval/denial within 10 business days. I then call back on XXXX to check status and was told the file closed on XXXX due to there being no offer on the table and the looming foreclosure sale date!! WHAT???? WHY WAS I TOLD ON THE XXXX IT WENT TO FHA AND THERE IS AN OFFER ON THE TABLE AND CO HAS A DUAL TRACKING LAW NOT ALLOWING FC WHILE IN ACTIVE REVIEW AND THE COUNTY CURRENTLY SHOWS THE FC PENDING WITHDRAWAL!? I demanded to speak to a supervisor. After being put on hold the gentleman came back on to say he has scheduled an appointment for a manager to call me the next day. No one called on the XXXX so I called back. I was told the manager XXXX XXXX was being sent an urgent message and I told her to make sure he knows I intend to file a CFPB complaint if I did not hear from him by today XXXX. Well, guess what, NO CALL! THIS IS NOT ACCEPTABLE!!!!!!!! I have very detailed notes that I keep in my system that will show ALL of this!
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Inglewood, CA

Application processing delay

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Chesterbrook, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Stamford, CT

Other

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

San Jacinto, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA. XXXX ( XXXX ) XXXX, XXXXXXXXXXXX My Wife is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX assisted me in obtaining a Home Loan Modification from Wells Fargo XXXX XXXX XXXX should remember me because I am the one that sent her a note to me from XXXX XXXX XXXX for my XXXX service. My Loan was through XXXX, the modification was XXXX loan number XXXX, The MERS Number is XXXX I first wrote XXXX XXXX, she referenced me to XXXX, although had one of her aids stay on top of everything. The Modification took effect on XXXX/XXXX/XXXX. Since that day we have had our Mortgage Payments taken directly from our Checking Account when my VA XXXX is deposited as of XXXX XXXX, XXXX, we have completed the first XXXX years, NOT ONE HOUR LATE. Wells Fargo out of no where stated we do not have a modification. Sorry for the word, Wells put us through pure XXXX for the past XXXX years. They can not foreclose because our payment has not been a day late. Wells Fargo shows on all Credit Bureau reports, we bankrupted the loan and have not made a payment since XXXX, PURE LIE. I sent a next day XXXX package to XXXX XXXX at the Consumer Financial Protection AGENCY AT XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX, THE TRACKING SHOWS undeliverable ADDRESS, THIS WAS THE ADDRESS I WAS GIVEN BY YOUR OPERATOR, WHEN SHE STATED THE normal LOCATION WAS UNDER MODERNAZATION. BECAUSE OF WELLS FARGO, I HAVE BEEN HOSPITALIZED XXXX, AM LITERALLY WHAT MY XXXX DIVISION NAME SAID, the walking dead XXXX XXXX. Wells Fargo has destroyed our Credit, my health and a lot more. They refuse to correct the Credit Bureau reports, stating we bankrupted, this is true although it was at Wells Fargos instructions, The Federal Judge refused to sign ant reaffirmation 's or the Modification, in XXXX. We reopened the case in XXXX in an attempt to get the Reaffirmation and Modification signed at a cost of {$7000.00} The new judge had a fit we waited XXXX years and refused to sign the reaffirmation also. The judge stated it was not required for a Modification. He is correct. I need a correct address to re-send the entire package to XXXX XXXX, who DID save my life. Wells has refused to speak with us, denied the Modificationh, had me fax my copy finally on XXXX/XXXX/XXXX to XXXX XXXX XXXX at XXXX XXXX XXXX, Fax XXXX XXXX XXXX. We are trying to refinance using my VA, The Wells Fargo credit report is hampering that although I have sent a copy of every Payment receipt to the various Refinance Banks. PLEASE IN GON 'S NAME HELP, I am XXXX-years-old, totally XXXX and followed every rule on the Modification, when the bankruptcy court discharged {$6900.00}. from Wells, I than did not take any action, left it in the Modification. I have spoken with XXXX Lawyers, XXXX wanted a class action, I do Not another wanted to sue Wells For Damages sighting a XXXX Law suit, I just want the FACTS of this issue corrected. PLEASE E-MAIL me your correct address, XXXXXXXXXXXX. Why XXXX XXXX XXXX, I can never forget her for her help that will not be destroyed, I kept her letter and it took my son to tell me to XXXX her name and thank XXXX I found Her.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-25

Gloucester City, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Trying to modify loan which they are refusing to help with
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-25

Brooksville, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Cedar Rapids, IA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-03-24

Teaneck, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Rancho California, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Stamford, CT

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-03-24

Bentley, MI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

Clifton, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Bronx, NY

Application, originator, mortgage broker

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-24

N Chesterfld, VA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Chicago, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response