WELLS FARGO COMPANY

2015-03-19

Corona, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Far Rockaway, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Mesquite, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Rockford, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Three Bridges, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

East Missoula, MT

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Edgemont, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Show Low, AZ

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Lb, CA

Overlimit fee

Credit card:

Complaint: I had been problem with well Fargo Bank I 'm hearing impaired. First of all I walk in there and consumer talk to me about new open credit card but no interpreter there I did n't understand first thing how to use credit card to make pay that day so I have been frustrated with debit bills and they harrasement me mail and force me to make pay over XXXX I decide to file complain about well fargo bank
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Cheverly, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Quartzsite, AZ

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Wells Fargo Mortgage began foreclosure action due to non-payment that we had set up auto pay option on. Did not receive notification that auto payment option was cancelled nor did we receive information regarding foreclosure action until we attempted to make a purchase. We contacted them and asked if they could waive late fees and reinstatement fees since we were not notified. After speaking with them at length, they indicated after conducting their research they felt they were not at fault and denied any waiver of either fees. They felt that regardless of any previous discussion that they had sent written notification to us that there were no payments set up automatically, and that we should have contacted them once we received that. After advising them we did n't receive the letter they stated that we should have been monitoring our account and making sure the payments were being made and we would have known that way. Throughout a month 's worth of phone calls with multiple employees of Wells Fargo beginning on XXXX/XXXX/15, I was provided misinformation almost every time I called in. Some examples include the individuals each time had to be explained the entire story and they would explain what their records reflected on the account and none of the information was what was actually discussed. They had indicated we had never requested reinstatement letter, then that it would be mailed when we had asked for a fax ; they stated we had not received it because they were busy and to check back, and once we did they stated a second reinstatement letter had been requested ; after following up again we were told they had begun a loan modification process which was never requested ; when asking for a supervisor the call was conveniently disconnected ; each time we called the same number we received a different staff member sometimes in a different state ; every call they were asked if we could go into an office and speak with someone and were told there was none local ; after multiple requests for information sent in some other form than a fax we were told they do n't use email only XXXX. After XXXX Wells Fargo and calling a different number we were told XXXX person had been assigned to our case. This was not until XXXX/XXXX/15. After finally receiving a call from this person after leaving messages, we were told the request to waive fees would be denied and a letter would be sent XXXX, we have still not received it. We were told if the fees were not paid by XXXX that there would be additional fees incurred and they were still pursuing the foreclosure. We ended up paying the fees to get the home out of foreclosure and received a verbal answer that this has been done. When asking for written confirmation, we were advised we would receive this via email which was interesting because up until this time this was not possible. We still do n't have this letter. They had said they do not use electronic communication for security purposes. We were also advised we would receive a written account of their research and determination not to waive fees which would be sent overnight mail but have not received this either. When asked if our credit had been updated to reflect that we were current, we were told they would take care of this only after our next month mortgage payment was made which is not due until the beginning of the month. The money for our mortgage payments was being payroll deducted into a Wells Fargo checking account and was sitting there rather than being taken out for the mortgage. We do n't even bank with them normally and only opened the account for the mortgage payments. We received XXXX random letters via XXXX about attempts to contact us and update our acct. as though they are trying to cover their backs on previous attempts never made. These letters were received no problem, but those requested and promised have not as of XXXX/XXXX/15.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Tarzana, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer service
Complaint: My daughter 's father passe away and XXXX of her Well 's Fargo Loans went into default. There is also XXXX that is current that I am making payments on and trying to get it re-financed away from her co-signer that is her XXXX XXXX. I filled out an application and have great credit, own a home and have a substantial salary! I did have fraud on my credit and emailed a police report disputing any negative issues. After having the XXXX application with my daughter turned down, I submitted XXXX in my name only and had that turned down too!!!!! I do n't understand what is going on and am very upset dealing with them! I want to bring all of the private loans current and feel that they are preventing me from being a credit worthy borrower and need to complete this complaint!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

Katonah, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Dallas, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. Sincerely, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-03-19

Philatelic Center, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX my wages that I earned at my job decreased by almost half, by XX/XX/XXXX I knew I was in trouble with my home loan. I began contacting WFB whom my home loan is with, for assitance and options. In early XX/XX/XXXX I began the Loan Modification process with Wells Fargo Bank. I was told that they would not assist me with anything financial on my home loan until I fell 90 days behind, though at the time I started to inquire for assistance from WFB I was only a few weeks behind. So, I began working with a program called XXXX. They approved me for a variety of assistence and reached out to Wells Fargo Bank to determine what they could assist with. Wells Fargo then turned down the assistance from XXXX and finally offered to do a Loan Modification for me. The outcome was totally unknow about what I would be offered in the end by WFB for assistance. Wells Fargo lost my paperwork twice during this process, so it took 2 months from the time I started to the time my paperwork began to be processed for some kind of approval. In XX/XX/XXXX I was in a trial period of 3 months of payments based on a slightly modified amount. Roughly {$75.00} less than what I was paying on my original payment. However, my caseworker with WFB, failed to tell me that since the payments during this time were not the full amount of the original mortgage payment so they were not applied to the loan. I discovered this in XX/XX/XXXX when I was told by a creditor with XXXX that she could n't restore my line of credit because of something to do with my mortgage. I then called and found this out. My caseworker at WFB then told me it was n't her responsibility to tell me this information. I told her that she could have told me that if I could come up with the remaining amount of {$75.00} then the payments would be applied. Instead, she chose to withhold this information and damage my credit even further. Now we are into 5 months ( including the 90 days WFB told me I had to fall behind until they would help me ) without an applied payment to my home loan, going on 6 months. More paperwork was lost in XXXX as the modification was being finalized and my loan modification did n't go through until XX/XX/XXXX. I spoke to a lawyer that is working on a class-action lawsuit against WFB for people in a similar situation and said this paper loss is typical. Wells Fargo did not reduce the interest rate, but they did reduce the payment by less than {$100.00} and the payments I was behind went back into the loan. My property taxes also fell behind in my escrow account at this time because there was no payment on the loan. So, I am behind on my property taxes, have damaged credit, and and I am not in any better payment situation than I was. They can not give me a reason on why they rejected XXXX assistance. I was originally told they were not an approved agency but on a later phone call to Wells Fargo Bank I was told that they work with that program often and the WFB employee could not understand why they would reject the help. I also spoke with XXXX and they said that Wells Fargo works with this program all the time and could n't understand why they would do this. I feel that I have been taken advantage of by Wells Fargo and would like to pursue legal action against them based on negligence. Although my payments are back on track I am not making much more money now than I was before so it is only a matter of time before something like this happens again if something unforeseen happens to my life that affects my finances.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-19

Santa Barbara, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: This complaint is against Wells Fargo Bank for violations of the terms and conditions of Federal government 's mortgage modification program ( HARP ). Violations of the law include but are not limited to the following:1 ) A blatant miscalculation of income. ( Adding a 25 % increase in income on a household contributor even when it was not supported by fact, law, or the documents submitted ) 2 ) Taking longer than XXXX days to deny the appeal. 3 ) Not following the guidelines for the application and appeal process set forth by the Federal government for loan modifications. 4 ) Wells Fargo falsely falsely accused customer of not submitting enough documentation to support appeal of original denial. 5 ) Customer we given false and conflicting reasons for denial.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Sacramento, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Fairfield, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Lanham, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: calls all day long every day
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-19

Greenwood, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX XXXX around XXXX XXXX I called Wells Fargo Bank where I have my business and personal accounts and asked them what I need to do in order to avoid an overdraft fee for being $ -XXXX dollars overdrawn. I spoke to XXXX representatives at different times during the day to confirm what the first representative adviced me. Both representatives adviced me to make a transferr from my other account ( which had about {$4800.00} ) before XXXX XXXX pst which is the cut off time to avoid the fees. At that momment I got a credit of {$22.00} for an unknown debit transaction so I just transferred {$41.00} to make my account to positive. At XXXX pm pst on the same day XXXX XXXX 2015 I made a {$420.00} deposit into the account that was originally $ -XXXX overdrawn. Throughout the day I checked my account online periodically and I was still in the positive. Once I made my {$420.00} deposit I felt confident that I would'nt get any fees charged. On XXXX XXXX 2015 I checked my account around XXXX a.m pst and saw that I got hit with XXXX overdraft fees of {$35.00}. I already tried to avoid this on XXXX XXXX that 's why I called Wells Fargo for advice on my accounts. I called Wells Fargo on XXXX XXXX 2015 and I told them I did exactly what they told me the day before in order to avoid the fees. The representative on the phone said He never saw my account being overdrawn on XXXX XXXX 2015 and what I see on the screen is not the same as what the representatives see. I told him then there is no way Wells Fargo can help me if we are not seeing the same thing. I was on the phone for 1 hr and 20 minutes becuase what I was explaining to him did not match what he had on the screen. During that time I asked for a supervisor twice. The supervisor was not willing to take my call. I was asking Wells Fargo t reverse all the fees incurred on XXXX XXXX, 2015 based on the information they erroneously provided to me. At first the gentleman said that the system will allow him to reverse half of the fees back. I told him I was not happy with that and I asked to speak to the supervisor again. He placed me on hold and said the supervisor was willing to reverse XXXX of the fees back to my account. I then told the representative that if Wells Fargo is not willing to give me all the fees back that I incurred based on the information I was provided by them I would file a complaint regarding the instructions I was given in order to avoid the fees and I ended the phone call with out a resolution to this matter and I was on the phone for too long. Twenty minutes later I checked the account to look for atleast XXXX of the reversals as the representative told me and instead of seeing the reversal fees I get assessed with XXXX more for XXXX other different transactions ( {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} ) but that morning ( XXXX XXXX 2015 ) around XXXX XXXX pst all of these transactions were debited from my account and left me a balance of {$36.00} so I transferred {$250.00} to cover any new transactions. Around XXXX am pst is when I saw XXXX overdraft fees assessed for these transactions ( {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} ). I took a picture of the screen showing I was {$36.00} in the positive after these transactions went through and twenty minutes later I incurred {$140.00} in fees for these transactions. If I was {$36.00} in the positive after {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} being debited from my account and doing the transferr of {$250.00} I see no logical reason why my account should get charged all these fees. There is payroll I have to cover on XX/XX/XXXX and all of these erroneous fees and misleading information are causing an inconvinience. Why is Wells Fargo system charging fees differently. I am asking for all of the fees incurred to be reversed back to my account. Also I have nothing in writting explaining how fees are charged on my account so that I can better understand.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Phila, PA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

San Bruno, CA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Mission Rafael, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-18

Bethlehem, GA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response