WELLS FARGO COMPANY

2017-08-31

Baychester, NY

Struggling to pay mortgage

Mortgage: Other type of 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

2017-08-31

PA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I obtained my annual credit report XXXX Upon reviewing I noticed I have XXXX XXXXnquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

2017-08-31

Glendale, CA

Trouble during payment process

Mortgage: Other type of 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

2017-08-31

Houston, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I ca n't provide dates, but Wells Fargo has persistently charged me overdraft fees, when I explicitly declined overdraft protection when I opened the account. I have confronted them about this, but it continued until I stopped using the account. Now they call about the uncollected fees, multiple times, daily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

Havana, MN

Opening an account

Checking or savings account: Other banking product or service

Confusing or missing disclosures
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

2017-08-31

Katy, TX

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

North Shore, LA

Trouble during payment process

Mortgage: Other type of 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

2017-08-31

Effort, PA

Opening an account

Checking or savings account: Savings account

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-31

Mem, TN

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-08-31

Stockbridge, GA

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

2017-08-31

Mia Shores, 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 explanation

Timely Response

2017-08-31

Jonesboro, GA

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

Checking or savings account: Personal line of credit

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Macon, GA

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 explanation

Timely Response

2017-08-30

Northside, NC

Closing your account

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

Can't close your account
Complaint: XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Fairfield, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Olympia, WA

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 explanation

Timely Response

2017-08-30

Oxford, GA

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. Any and all help would be greatly appreciated. Payment of {$1200.00} on XXXX XXXX, XXXX. Payment of {$1700.00} on XXXX XXXX, XXXX. Payment of {$1600.00} on XXXX XXXX, XXXX. Payment of {$750.00} on XXXX XXXX, XXXX. Payment of {$950.00} on XXXX XXXX, XXXX. Payment of {$1500.00} on XXXX XXXX, XXXX. Payment of {$1900.00} on XXXX XXXX, XXXX. Payment of {$2100.00} on XXXX XXXX, XXXX. Payment of {$3200.00} on XXXX XXXX, XXXX. Payment of {$2100.00} on XXXX XXXX, XXXX. Payment of {$2100.00} on XXXX XXXX, XXXX. Payment of {$2000.00} on XXXX XXXX, XXXX. Payment of {$1500.00} on XXXX XXXX, XXXX. Payment of {$1800.00} on XXXX XXXX, XXXX. Payment of {$2500.00} on XXXX XXXX, XXXX. Payment of {$1500.00} on XXXX XXXX, XXXX. Payment of {$2800.00} on XXXX XXXX, XXXX. Payment of {$1500.00} on XXXX XXXX, XXXX. Payment of {$1500.00} on XXXX XXXX, XXXX. Payment of {$1300.00} on XXXX 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

2017-08-30

San Marcos, TX

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Fenton, MI

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 monetary relief

Untimely Response

2017-08-30

Pemberton, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-08-30

Shulerville, SC

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I filed a complaint against Wells Fargo Bank 2-weeks ago -- -ID # XXXX and recieved a rubber-stamped form reply asking if their could be of service. The same day I recieved an email informing me that the matter was closed and the problem solved. That was not the case! I have not recieved any satisfaction or any representation that would solve or compensate my original complaint. please look into their account posting practices and charges for too many checks written on a money market account. Thank you, XXXX XXXX SS # XXXX CELL XXXX
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

2017-08-30

Alpine, UT

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

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

Investigation took more than 30 days
Complaint: Wells Fargo ... ... I tried to dispute it as instructed, they have been taking 4 months to resolve it, the law says 30 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

San Diego, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Chicago, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My mortgage lender Wells Fargo is refusing to work with me to allow me a chance to get into good standing on my mortgage payment. I am concerned because instead of engaging in a fair and transparent negotiation they have initiated foreclosure proceedings. I was literally only a couple of months behind and actually was sending in partial payments while going through my financial hardship. However Wells Fargo sent these payments back to me. I know there are options available to resolve this small delinquency but they are telling me the only thing I can do is to repay the missed payments as well as hundreds of dollars in late fees and legal fees that they have added on. I am not in a position to do so. What makes this worse is that Wells Fargo and their agents repeatedly took advantage of me when my health was in jeopardy and convinced me to repeatedly refinance my home and strip equity, convincing me this was in my best interests. I refinanced 4 times with them in a period of 2 years, entering into high rate, predatory adjustable loans with prepayment penalties while paying exorbitant fees and points so that Wells Fargo and their agents could pocket the money. I proudly served my country in the XXXX XXXX, then worked for the XXXX XXXX XXXX for 36 years. Around the time of the first refinance loan with Wells Fargo I was having major health problems due to fire and smoke inhalation. I was eventually forced to retire and go on XXXX in XXXX, the same year that Wells Fargo told me to refinance again into an adjustable rate loan with an interest rate that STARTED at 8.62 % and could go as high as 13.62 %. I was told by their agents that I could not get a fixed rate loan, this was the only option available. Even with all of that I have been able to keep up with the payments on the last refinance for 10 years. Due to health issues and overwhelming medical bills and also some critical home improvement costs I have pretty much liquidated my safety net, and when unexpected costs came up a few months ago I could not afford my monthly mortgage payment. I sent in a partial payment, but Wells Fargo sent it back. I have since tried to make my regular monthly payment but now they will not accept this. I am told that I have to make a payment to cover several months, and I also have to pay all late fees and Attorney fees all at once. I am not in a position to do so. I was told that I could be considered for a work out plan, but after I sent in the paperwork I was told that I was declined, because I have sufficient income to afford my payment. That may be true, but it does not address the fact that I need help getting caught up. I know there are options such as a repayment plan, or putting the late payments back into the balance or even restructuring the loan and deferring the delinquent amount into a silent 2nd TD. However, none of these options have been presented, instead Wells Fargo has initiated foreclosure proceedings against me. This is unbelievable. I have owned my house nearly 20 years, and bought it with a government insured VA loan. I was doing fine and I was happy, until someone from Wells Fargo contacted me about refinancing my house and putting my equity to work for me. Four refinance loans and two years later all equity had been stripped, Wells Fargo agents had collected tens of thousands of dollars in fees and I was stuck in a toxic and predatory adjustable rate loan. A culture of greed and dishonesty and misrepresentation is not something new for XXXX XXXX has existed for years. This needs to be fixed, I am not going to lose this house over a problem that could be simply fixed by a responsive and caring company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-30

Orange, CA

Struggling to pay mortgage

Mortgage: Other type of 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