WELLS FARGO COMPANY

2019-11-08

Chandler, AZ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Untimely response

Untimely Response

2019-11-08

Oak Lawn, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-07

Doral, FL

Opening an account

Checking or savings account: Savings account

Unable to open an account
Company Response: In progress

Timely Response

2019-11-07

TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Garrett Park, MD

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

San Ramon, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Everglades National Park, FL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Complaint: Numerous months ago, I physically went into a local branch of Wells Fargo Bank and closed my checking account and cut up my debit and credit cards in the presence of an employee. I also requested that all of my information be purged from their system. Now, many months later, I have received an email informing me of " great offers available '' with my previous " XXXX '' credit card. I called the number mentioned within the email message to inquire as to why I am still being contacted via email ; however, I was told they could not help me because I could not give them my " current password ''. I explained I don't have a " current password '' and do not remember my past password. After numerous conversations with numerous employees and repeating my name, birth date, etc, time and time again, I was " escalated '' up the corporate ladder and once again after having to give my name, address, phone number, birth date, SS number, and " name of first born '', I was told " I can't help you without your password ''. I was instructed I must go to a local branch and submit a photo ID in order to request my personal information be purged from their records. Ironically, I have never gone into " a local branch '' to open up any accounts or to obtain credit cards from them ; therefore, why should I go into one now just to request all of my information be purged from their system? I have been a past victim of identity theft, as well as being one-of-the-thousands of Wells Fargo customers whose excellent credit information was utilized to enhance their business reputation. I do not appreciate nor want Wells Fargo to be in possession of any of my personal information for fear of what happened previously and has the potential of happening again. I do not wish to receive any solicitation in any form from Wells Fargo ever again nor do I want them to retain any of my information in their data base. What must I do to end this continuous invasion of my privacy?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

MN

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: XXXX XXXX attempted to contact me on XX/XX/XXXX. Alleged debt from Wells Fargo from XXXX. XXXX XXXX states they sent correspondence late XXXX, however did not receive it. Company threatened legal action unless payment was made immediately. XXXX XXXX sent an email via XXXX regarding the debt. I proceeded to fax correspondence to validate the debt and stop contacting via phone, only though US mail. Company contacted me directly and my employer on XX/XX/XXXX at XXXX CST. Company is in direct violation of FDCPA. When I called the main contact after I received the subsequent communication on XX/XX/XXXX ; whom I spoke with on XXXX ( XXXX XXXX ) she stated that they received the communication and would not send a debt verification as requested via fax and that she would see me in court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Daytona Beach, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-07

E Northport, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: The following complaint is in response to Wells Fargo 's letter by XXXX XXXX dated XX/XX/XXXX regarding subject matter : Resolution to the inquiries received about account number XXXX In response to " Origination concerns '' ( ref page 2 of Mrs XXXX XXXX 's letter ) : In regards to notary that you claim attested to my presence at the signing of the Open End Mortgage and that youve enclosed, thank you, my records show a different notary stamp one of which displays an expired notary date, therefore if there was a notary on hand I have no knowledge of such a person and furthermore I was whisked in and out so quickly by what I now know come to realize that they were nothing more than glorified con artists. So much so that I cant even attest to said signature or any one of the signatures for that matter as being authentic. Excuse my skepticism in regards to how my debt to income ratio was determined, but as Ive referenced further down in my compliant I have zero faith that Wells Fargo conducted a fair and unbiased modification review. You yourself stated within your latest response dated XX/XX/XXXX that the information provided in the both the XX/XX/XXXX and XX/XX/XXXX response letters by supposed resolution specialists have no clue as to what your own modification terms mandated. I had to refute their continuous assessment that I was offered a fixed modification back in XXXX on several occasions via phone calls and follow-on complaints. Its like they had a predetermined outcome so looked for ways to make the narrative fit. Only now three months later do I get yes Mr. XXXX you are right the modification would have continued as a destructive loan that would have eventually bankrupted you and further destroyed your life. In response to " Concerns regarding XXXX modification '' ( ref page 3 of Mrs. XXXX 's letter ) : The modification that was offered to me in XXXX, was done with no consideration to the then highly controversial and self-destructive pick-a-pay loan that due to its predatory nature would have ultimately lead to my financial obliteration as I was already gravely in debt while trying to make the ever increasing monthly mortgage payment. The so called XXXX modification exemption offered to me was not meant to provide any relief from my then dire financial indebtedness brought on by the yes, predatory pick-a-pay loan itself along with the housing crises. It was designed to merely to allow my outstanding overdue balance to be placed in the rears and continue with the same toxic and destructive note terms and agreements. Which if anyone had bothered to uphold the class-action pick-a-pay lawsuit settlement obligations would have known just how unjust the XXXX modification offer really was, especially with the stipulation of upon my approval of said modification and signature I was to have automatically waive any of my rights to bring suit against the mortgage lender as it relates to the loan note in question. Per the pick-a-payment settlement agreement, which your bank agreed to in order to not be found guilty of having supported, engaged in and played a part of the practice of predatory lending, was supposed to encompass a review that examined my financial state of being as result of the loan and not just merely what my current income was, which by the way had only been increased at that time due to my grave financial situation and the dire need to find employment elsewhere to try and stay afloat ... Your Company settled the class action lawsuit for XXXX XXXX in exchange for being exempt from any wrong doings, which everyone knows was all decided by a bunch of lawyers so your company would be held accountable, but not get wiped out completely. Regarding my house being a secondary home, it became a secondary home only after I was forced to leave it and find employment elsewhere to make ends meet, which drove me from my then primary Florida residency to New York where I took on 60+ work hour weeks to try and survive and support my family. Had your company bothered to read and consider my hardship letter at the time they would have known that and would have seen the mounting debt and harm that your loan had caused. The foreclosure sale may have been valid, but you neglected to try and workout any and all possible solutions prior to the foreclosure as was your responsibility per thee terms and agreements of the Pick-A-Pay settlement. Note : Wells Fargo concluded a separate agreement in XXXX with eight states over the pick-a-payment loansYes one the states was Florida! My request for a fair and unbiased review of the pick-A-Payment account is still being requested by me as I do not trust that Wells Fargos review process is without bias. I respectfully disagree with your assessment that the loan in question did not put me in a state of financial hardship and that help other than the entrapment of the then proposed XXXX modification was not urgently needed at the time. Further the then XXXX Modification was again not meant or designed to help bring any financial relief of any kind and in fact designed to ultimately come to the same foreclosure scenario without any legal leg to stand on. Please reference case Foley v. Wells Fargo Bank, which I plan on mirroring upon your next non-accountability response, but for the moment please reference how expected my review to be conducted below. MAP2R was a new proprietary modification program Wells Fargo created specifically for the settlement, and the step-by-step eligibility determination process for MAP2R ( called the waterfall process ) was spelled out in the agreement. The bank was required to apply seven specific ( and rather complicated ) sequential steps until a debt-to-income ratio of 31 percent was reached for the borrower. But if the bank followed the waterfall and could not reach 31 percent, it was not required to offer a MAP2R modification. In conclusion I would just like to say that I dont expect any real resolve from Wells Fargo at this level, but I do plan on taking my complaint and all the facts surrounding Wells Fargos handling of account XXXX to a much higher level of judicial review. With that said I highly recommend that Wells Fargo assigns a 3rd party independent reviewer thats appointed by Floridas district Attorney office to my case for a fair and just review Thank you and I look forward to hearing back from you once again, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Hartford, CT

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

College Estates, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-07

E Brunswick, NJ

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: In progress

Timely Response

2019-11-07

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Miami, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Untimely response

Untimely Response

2019-11-07

Roseville, CA

Incorrect information on your report

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-07

Charlotte, NC

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

CT

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: We opened a petty cash account with our other accounts at Wells Fargo so my wife could buy groceries or make other small purchases without accessing our main checking account which we used to pay for our larger monthly expenses e.g. mortgage, car payments, etc. We hadn't used the account in a few months and I noticed we had a small negative balance. When I checked I saw a {$30.00} fee being assessed monthly over the prior three months or so with no other charges. When I inquired with the bank on the reason for the fee, they advised it was associated to the type of account being a premier portfolio account. I advised that was an error and we only used the account for petty cash purchases. The representative apologized for the error and reversed the maximum of the fees she could access and noted the issue would need to be escalated and addressed by the investigations team, as it extended back over years. She further advised the issue would be resolved in a few days. I waited a week and checked to see if the fees had been returned, but they had not. I called the bank and was advised that no investigator had been assigned to my case but would be assigned soon. I waited another week and again contacted the bank and was again advised no investigator had been assigned, When I asked the representative to speak to a supervisor. I was told that supervisors did not speak to customers. I called the main customer service number and they escalated to the executive office and I was told once again that an investigator would need to review the case, but no time frame could be honestly provided. I was told I could call periodically to obtain status. It has been almost a month and a half since I first called the bank and the fees are likely close to a {$1000.00}. It would be very helpful to have them reimbursed before the holidays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Miami, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Gulf Breeze, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-07

Haverhill, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Untimely response

Untimely Response

2019-11-07

Bedford, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-07

Indianapolis, IN

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have had a Wells Fargo credit card for years. I always make automated payments by providing my checking account routing number and account number. Recently I moved my checking account to a new bank. I need to give my new routing number and account number to Wells Fargo so my account will not become delinquent. I tried providing the information on the website but found it to be impossible. I tried sending an email through the website message system and was told i had to call an XXXX number. I tried the XXXX number and was told they can not take this information over the phone. In other words, Wells Fargo makes it impossible for me to make this payment and just wastes my time with runarounds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-07

Baldwin Hills, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with cash advances
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response