WELLS FARGO COMPANY

2017-08-20

Newark, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My house that I have owned for close to 20 years is scheduled for auction sale on XXXX XXXX. The holder of my mortgage loan Wells Fargo has not been reasonable or willing to discuss options that would allow me to cure my delinquency and get back into good standing with this loan. I have worked as a XXXX XXXX for XXXX years and make a solid living and can afford my mortgage payment. Due to some rough times and life changing events I was unable to pay for a period of time and I have tried to resume paying but Wells Fargo refuses to accept the payments. They have reviewed me for programs but tell me I make too much moneyso they say I must reinstate the full past due amount including late fees and Attorney fees of {$47000.00}. I am not able to do this, but can work some other plan out. This foreclosure is completely avoidable but Wells Fargo is not playing fair. They also have not allowed me to have this case reviewed by a mediator, as mandated by New Jersey state law, and instead are trying to shove this through so they can steal my house. My mother and I purchased this house nearly 20 years ago. We refinanced because we were sold a bill of goods that this was a good deal. I thought we were getting a traditional fixed rate loan but was conned into a home equity adjustable rate loan. Of course due to the recession and economy our house that was once worth over $ 100K is now only worth about $ 60K. We had no trouble making the payment until I was involved in a car accident and hospitalized and out of work for 3 months in XXXX. I missed some payments but did not fall so far behind that Wells Fargo would refuse to accept payments from me. In XXXX things really took a turn for the worse when I went through a nasty divorce. I ended up having to pay {$20000.00} lump sum in back payments for child support and now have a monthly obligation of {$2000.00} for child support. That wiped me out and I began contacting Wells Fargo to try and work the problem out because I was unable to make my payment. The following year my mothers health took a turn for the worsestage XXXX XXXX, and I had to spend {$5000.00} on medication to help but she XXXX XXXX in XXXX. I applied on multiple occasions for help with Wells Fargo. My point of contact was switched several times. I would call one person who would say they had a full package and then the next day be told they did not receive any of my documentation. It almost seemed intentional. I was told that I was denied because I make too much money. I tried to explain that after deductions, child support, etc. my net pay was much lower, but their agents did not seem to care. I applied again and went through the same painstaking and dysfunctional process and once again was told that I make too much money. I have tried to explain over and over again my situation but the agents at Wells Fargo dont seem to listen, and tell me that the only option is full reinstatement of the {$47000.00} in past due payments. I am not in a position to do so ; as a result they have set a sale date. I dont understand why this loan cant be restructured -- -I dont understand why they cant put me on a repayment plan, or some type of forbearance agreement, or defer the past due interest or recapitalize it into the balance. I CAN afford this payment, I CAN afford this house, but I cant make up the missed payments from my bad life events in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-20

Bloomfield, CT

Applying for a mortgage or refinancing an existing 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

2017-08-20

CA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Complaint: On XXXX XXXX two accounts were fraudulently opened online in my name at Wells Fargo. The SSN used to commit this fraud matched mine but the Drivers license did not match and the email address originating the request was not the one the bank has on file for my account. Even so the bank opened the accounts!! The accounts have since been closed and after weeks of stress and inconvenience I have changed all of my accounts, direct deposits, email etc. that were in jeopardy as a result of the fraud. The bank also emailed me a notice identifying all my direct deposit information and account numbers as a " reminder '' to switch them to the new accounts I had to open, Making me further vulnerable since the type of fraud I experienced was an online take over! Wells Fargo 's on line practices for opening new accounts are irresponsible in this day of hightened on line fraud and clearly do not protect their customer. It is a sharp contrast to their in branch practice where you have to present picture ID to open an account. My husband XXXX XXXXy XXXX XXXX, in XXXX I went into my local branch to remove his name and add my daughters to my accounts. In order to accomplish this my XXXX daughters had to appear in the branch WITH me and PHOTO ID. It was n't acceptable for one of my daughters to go to her local branch. This took some coordination to have the three of us come in together but I understood it was a safeguard. Why do they handle there on line business so casually when the risk for fraud is so much higher!! I wrote to XXXX XXXX ( Wells Fargo CEO ) about my experience and concerns on XXXX XXXX and received a response on XXXX XXXX from a research/remediation associate. It was clear they did not understand my complaint, and that it will not affect change in there policies. The most ridiculous part was there response to sending my full account numbers and direct deposit information in an email. They blamed the direct deposit originators ( social secrity, my pension and my healthcare reimbursement account ) for putting the information in the merchant details. Wells Fargo cleary was wrong in sending such an email, I did not request it nor need it. The letter did not acknowledge any wrong doing on the part of the bank, it felt patronizing. The way the fraud came to my attention was a call from the XXXX fraud unit because my XXXX with them was used to fund the checking account that was opened. When a second attempt was made, this time to open a savings account, it raised a red flag for XXXX and they contacted me. Thank goodness for XXXX fraud unit, Wells Fargo did n't even care that the Drivers License did n't match and it was n't my email address. When I take a breather from all of this upheavel I will change banks. It is n't necessary for you to forward my email to Wells Fargo, I do n't think they will care. My complaint is for the purpose of adding my voice to others who may have spoken up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-20

Dunnellon, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XX/XX/XXXX Pastor ********* and Mrs. *********** ( deceased ) ************** ************** ( XXXX ) XXXX ************** Email : XXXX Wells Fargo Bank XXXX XXXX Branch Branch # XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX Bank Employees we interacted with : XXXX XXXX, Co-Branch Manager XXXX XXXX Co-Branch Manager XXXX XXXX, Personal Banker Various Tellers Accounts Involved ******** and *********** Joint account # *********0 ********** Way to Save account # *********0 To whom it may concern : I am reaching out for assistance with a banking matter at Wells Fargo Bank in XXXX, FL. The banks location and other pertinent information are listed above. Wells Fargo has been in the news and under a microscope for some time due to fraudulent banking practices. I never thought these types of improper practices would impact my grieving family. After experiencing the cavalier business as usual attitude of each bank employee, it is no stretch to say that other families are being affected by the exact same fraudulent practices. In summary, Wells Fargo Bank is currently removing money from my fathers account and depositing funds into an account that was created under my recently deceased mothers name. These funds come directly from my fathers monthly pension check that is direct deposited in their joint account each month. My father never authorized Wells Fargo to attach a way to save savings account to the joint account he shared with my mother. Even though they are fully aware of this problem Wells Fargo is attempting to force us to go to probate court to file for funds that they have taken from my father. XXXX XXXX Branch employees were informed months ago of my mothers death but they continue to allow funds to be removed from my fathers account. This letter will provide names of bank employees and detail events that we have encountered thus far. My family has utilized Wells Fargo banking services since the days they were known as Wachovia Bank. I was very disappointed when we encountered the sloppy service the XXXX XXXX Branch provided. After asking a few questions I became wary of the employees at the bank when they attempted to answer our questions minus any documentation. They provided abstract verbal responses to our specific questions. Occasionally they would tell us to wait while they spoke to someone by phone. When they relayed the information they retrieved by phone there was never any specific individual that was named as a source. They operated as though the words uttered from their lips were commandments. My mother Mrs.*********** passed away XX/XX/XXXX after a three-year battle with XXXX XXXX XXXX XXXX XXXX. After laying her to rest, we immediately began to handle all business associated with the loss of a loved one. Each of the other banks my parents had accounts and relationships with presented no static when my father visited them to close accounts and move funds. However, Wells Fargo was difficult from the start even though my entire family frequents the XXXX XXXX Branch. A bank statement arrived at my parents home from Wells Fargo Bank. The bank account was in my mothers name and had over {$400.00} in it at the time. My parents have been happily married for XXXX years. Everything my mother ( a former XXXX XXXX XXXX ) possessed has been rendered to my father ( XXXX XXXX XXXX ). He visited the local branch to obtain these funds. After showing the death certificate to the teller and the bank manager they collectively refused to release the funds. The bank manager told me by phone that we would have to go through probate court to obtain the funds at a later date. Having helped countless families prepare funeral arrangements, my father asked the acting funeral home ( based out of XXXX XXXX, Arkansas ) handling my mothers services to submit a requisition and acquire the funds to pay my mothers funeral expenses. This practice is the norm in countless states. The funeral home that handled my mothers funeral services sent a requisition to the bank to pay off a portion of her expenses and Wells Fargo denied the transfer. Since the grieving process was fresh and very intense, my father, sister and I decided to revisit the matter when things were a little better. On XX/XX/XXXX at XXXX my father and I visited the Wells Fargo XXXX XXXX Branch and spoke with XXXX XXXX XXXX . He knew who we were from previous interaction and said his boss and co-branch manager XXXX XXXX XXXX was aware of our situation as well. Once more we asked how we could obtain the funds from the account. XXXX told us he knew the answer to our question but wanted to contact the legal department by phone for verification. We waited a few minutes while he spoke to the legal department by phone in our presence. He greeted a lady by the name of XXXX and said her name aloud. While on the call XXXX failed to thoroughly articulate ever factor that we shared with him before the call. For example, we had to politely interrupt him and prompt him to ask why the funeral home requisition was denied. When the call was done he told us in order to obtain the money, Florida state laws require us to go to probate court or obtain a small estate document. My father and I expressed that court fees alone would deplete the meager funds that were left in the account. I asked XXXX the name of the person he spoke with on the phone. Somehow he immediately forgot and said he didnt remember her name. XXXX said she was a paralegal in the legal department. XXXX apologized and said there wasnt anything more he could do. XXXX let us leave the branch without reviewing and explaining how a way to save account works. XXXX never detected that the funds were still being taken from my father. XXXX failed to provide documentation of Wells Fargo policies and procedures that supported his refusal to release the funds to my father or the funeral home. XXXX also failed to identify and articulate the specific law ( he consistently advertised ) that prohibits Wells Fargo from releasing the funds to my father or the funeral home. XXXX service was just not good at all for such an important matter. On XX/XX/XXXXI examined the current bank statement and immediately made a few calls to friends and made a surprising discovery. The way to save account in my mothers name was directly linked to my parents joint bank account. Every time my father uses his debit card on the joint account Wells Fargo takes money from this joint account and places it into the way to save account. The statement also showed that the way to save account is on the hook to have monetary penalties kick in when certain account criteria are not met every month. These criteria are out of our control because my mother is no longer with us. Wells Fargo XXXX XXXX employees were fully aware that my mother was deceased yet the account was allowed to continue to collect. My father never signed any authorization for Wells Fargo to attach this way to save account to their joint account. He never signed documentation that gives Wells Fargo the right to move money from the joint account and place it in the way to save account. In fact, he had no idea what a way to save account was. My mother rarely used a card and operated solely with cash. When she passed we found her debit card that still had the sticker with directions on how to activate it still attached to the front. My father balanced all of their checkbooks and paid all of the bills. He gave my mother cash as needed. Furthermore my mom was sick for 3 years and was not well enough to shop and swipe a card to deposit funds into the account. A look back at records and the debit card used will show my dad is responsible for each dollar placed in that account unbeknownst to him. No changes can be legally made to a joint bank account unless all parties are present, informed, and agree with a signature. I am not surprised to find out that Wells Fargo is still creating and operating with fraudulent bank accounts. In light of these new circumstances I contacted Wells Fargo and XXXX XXXX answered the phone. I told XXXX that I wanted to call the branch and speak to a manager and give Wells Fargo the chance to make things right. I explained my findings as the result of personal research. I requested a copy of the policies, procedures, and laws that prohibited Wells Fargo from releasing the funds to my father or the funeral home. I also requested a letter in writing that outlined why the bank would not release the funds. He said he would get to the bottom of the situation and call me back. XXXX called back an hour or so later and left a voicemail that I have saved. XXXX said I could go to the Florida website and find the law. He told me he would not give us any policies and procedures because they belong in house at Wells Fargo. XXXX told me I could call the legal department and speak to them. Since Wells Fargo has not been forthcoming and refuses to produce information in writing I have no choice but to utilize this forum to request important information. These items are numbered below. 1 ) I am requesting all paperwork showing my mother and fathers signature approving the creation and all actions associated with the way to save account and their joint account. 2 ) I am requesting a copy of all Wells Fargo policies and procedures that are applicable to my familys current situation that prohibit the funds from being released to my father or the funeral home in light of the facts provided. 3 ) I am requesting a list of all laws that are applicable to my familys current situation that prohibits the funds from being released to my father or the funeral home in light of the facts provided. 4 ) I am requesting all statements produced for the entire life of the way to save account. 5 ) I am requesting all statements generated for my parents joint account from the birth of the way to save account until the present. 6 ) I am requesting all dates and times of each withdrawal from acct **** ( joint account ) and the corresponding debit card used to trigger the unauthorized automatic money transfers to the way to save account. I have shared our Wells Fargo story with multiple entities this week and they are all in shock that this could happen. To actively take a XXXX XXXX pension money and place it in an account you failed to shut down knowing his wife is deceased is fraudulent. Wells Fargo is actively profiting from my fathers hard earned money. The longer Wells Fargo holds the funds they collect interest. The longer they extend this process they continue to add to the account by taking money from my fathers account. The longer the account is illegally in limbo the more susceptible the account is to incur penalties that Wells Fargo will not hesitate to collect and profit from. How many families is Wells Fargo currently impacting with this illegal process? I do not doubt that Wells Fargo is increasing its profit margin from this type of covert scam. My family is requesting that Wells Fargo release the funds from the way to save account directly to my father immediately. We are also requesting that Wells Fargo provide the information we have asked for in the 6 aforementioned requests. Sincerely, Mr.*********** Mr.*********** Ms.**********
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

2017-08-19

Blackbird, DE

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX from wells fargo bank is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-19

Vancouver, WA

Closing on a 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

2017-08-19

Carmel, CA

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

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

2017-08-19

VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds
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

2017-08-19

Gaithersburg, MD

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

N San Juan, CA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

El Toro, CA

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

2017-08-18

Bronx, NY

Getting a credit card

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

Card opened as result of identity theft or 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

2017-08-18

Mankato, MN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX. Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2017-08-18

Greystone Park, NJ

Wrong amount charged or received

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

Complaint: XXXX My electrician deposited my personal check ( # XXXX ) amount of {$4000.00}. The check had a stop payment on it as requested by me as we choose to do the wire transfer instead. The money was taken out from my bank account ( XXXX XXXX XXXX XXXX ). There was a problem with the stop payment. I requested XXXX and they acted immediately to stop the payment. Wells fargo, the beneficiary 's bank reversed the transaction and my electrician ( the beneficiary ) never received the money via this personal check ( # XXXX ). I called XXXX and they said since the transaction went through successfully, so there is nothing they can do to revert. The temporarily gave me provisional credit but reverted back the credit on XXXX. So, in nutshell {$4000.00} was effectively deducted from my account. XXXX My electrician confirmed he never received money from me for that check. I went to my electrician 's office and we called Wells Fargo together and Wells Fargo customer service rep confirmed not giving the money to my electrician. As per Wells Fargo, the money was reversed and it never reached my electrician 's account. Now - Both these banks ( XXXX and Wells Fargo ) do n't want to help me. My electrician never received the money in his Wells Fargo 's account but the money was taken out from my XXXX account. So both me and my electrician do n't have the money with us. The money just somehow disappeared. I am requesting Wells Fargo to trace the check for me and help me nail down where the money. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Hiram, GA

Applying for a mortgage or refinancing an existing 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

2017-08-18

Ft Lauderdale, FL

Other transaction problem

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

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

Timely Response

2017-08-18

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I ( XXXX XXXX ) have sent numerous letters to Wells Fargo Bank, to have them remove derogatory remarks placed on my credit reports. They have shown no proof of verification of debt. My letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been ignored or told ( via letter ) by their credit management, they are working on a response. They are in violation of both the FCRA ( including but not limited to ) 623-b, and the FDCPA ( including but not limited to ) 807-8. My last dispute notice dated XX/XX/XXXX was not responded too, ( via letter stating " that they were working on a response '' ). I again, sent them notice of my complaint being reported to the CFPB. This is my last attempt, to have Wells Fargo Bank, remove it 's derogatory remarks immediately. My next course of action will include a civil complaint file in court. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

AL

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Fees charged for closing account
Complaint: I have a {$50000.00} CD account with Wells Fargo. I have had this CD at the current location for 9 years. It is a 5 year CD that has already renewed once with the maturity/renewal date of XXXX. I received a letter on XXXX that my local branch of Wells Fargo is closing in XXXX XXXX. I called the branch today XXXX to see what I needed to do to close the accounts that I hold there and move them to another local bank. They informed me that I would have to pay early withdrawal fees for closing the CD that I have before the maturity date of XXXX XXXX. I asked the bank to waive this fee as they were closing the branch that I banked at. The person that I spoke with at my local Wells Fargo was very polite and friendly. She told me that she would check with management to see if that was something they could do. She called me back later today to let me know that they had received email confirmation from the main Wells Fargo Bank head quarters that they would not waive any early withdrawal fees. I then asked to speak with someone at the head office and was given this number to call ( XXXX ). I called this number and spoke with a lady that confirmed what I was told at my local bank. I am only moving my account because the branch is closing and I do not wish to drive 45 minutes to another Wells Fargo bank to do my banking when I have XXXX other local bank choices. The bank states that they are not closing Wells Fargo ( they are only closing the branch that I bank at ). Therefore, they will not waive the early withdrawal fee. If I were moving they would not have a care in the world about me as they do not have a care in the world about moving my accounts to another bank further down the road. It seems that if they move or close then I should be happy about them taking my money with them or that I have to pay them a fee to keep my money local. Well, I am not happy about any of this. Where the XXXX did customer service go?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

San Jose, CA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On my checking account, Well Fargo withdraw : XX/XX/XXXX amounts {$720.00} XX/XX/XXXX amounts {$1500.00} XX/XX/XXXX amounts {$6700.00} XX/XX/XXXX amounts {$1500.00} On my saving account XX/XX/XXXX amounts {$1000.00} XX/XX/XXXX amounts {$2300.00} I can not pay the amounts for my personal credit card then I check on my business bank account, Well Fargo withdraw money from my business bank account. According to legal adviser and Fair credit reporting act, Well Fargo do n't have authority to withdraw money from my business bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Virginia Bch, VA

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Bexley, OH

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

2017-08-18

Brazito, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2017-08-18

Prior Lake, MN

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Greenwood, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My husband and I have owed our home for a long time. In XXXX we refinanced our home with XXXX XXXX on a loan which was not explained to us and all we knew was is was an adjustable rate mortgage. Later our loan was sold to Wells Fargo. We were making our payments and everything seemed to be fine until our payment went from what was tight in the first place at {$1600.00} to over {$1900.00}! We called Wells Fargo several times to see why our loan payment went up but they would not return our phone calls. We looked at the impounds and it was not due to an impound shortage, it showed the payment went up because the interest was way up over 8.5 %, which did not make since as the fully index rate could not be that high. Our real estate agent looked over our papers and could not understand HOW a neg am could be at margin plus index and be over 8 % in this market. We tried to get a modification but BECAUSE WE HAD equity Wells would not work with us. I am sure a servicer is suppose to return a home owners phone calls which they did not, not until we were so behind in our payments that they sold our loan and did not inform us of the sale of our loan or who would be servicing it. We are now about to lose our home and the offer to us for a modification was still a rate over 8 %, We feel Wells Fargo should not be allow to continue servicing loans as they take advantage of ill informed consumers. In additional we understand that the neg am we have should have been modified by Wells Fargo but non of the consumers who were suppose to be modified due to a class action law suit never did due to a loop-hole in the settlement.. Wrong and unfair. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Barry Lakes, NJ

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