WELLS FARGO COMPANY

2017-08-15

PA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a Wells Fargo Everyday Checking account under a {$250.00} bonus promotion. I received confirmation of the bonus in the form of an email when I applied for the account, which I could provide a copy of as proof. The terms of the bonus stated that I would receive the bonus by performing the following action : " Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking account opened for this bonus offer. '' " We will deposit the bonus into your new checking account within 45 days after eligibility and qualifications have been met. '' I opened the account on XX/XX/XXXX. I completed the 10th debit card transaction on XX/XX/XXXX. I have not received the bonus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-15

Lafayette Hl, PA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years. I 'd like to know why banks permit this practice when the only benefit is to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-15

Una, SC

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

Timely Response

2017-08-15

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 non-monetary relief

Timely Response

2017-08-15

Glendale, AZ

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

2017-08-15

Fairfield, CA

Managing the loan or lease

Vehicle loan or lease: Loan

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

Untimely Response

2017-08-15

Jamaica, NY

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

2017-08-15

Charleston, SC

Other service 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 monetary relief

Timely Response

2017-08-14

Other transaction problem

Money transfer, virtual currency, or money service: International money transfer

Complaint: Dear Sir/Madam, I have saving and checking accounts in Wells Fargo since XX/XX/XXXX. I have transferred over 600 k usd from overseas to make investment in the US. I have visited XXXX NJ branche many times and made some banking operations. Last one was in XXXX XXXX 2017, XXXX, New Jersey. I explained branch officers that I live out of the USA and I sometimes need to make international wire transfer from my Wells Fargo Accounts to my personal accounts in banks like XXXX in the XXXX or XXXX ind XXXX. They said I am free to make transfers. Now I live in XXXX, I cant make wire transfer to my XXXX XXXX of XXXX account. I tried every single option of on-line services, but somehow the system has stopped me and gave try it later message. I called WF customer service here from XXXX but the agent said me unless I visit one of branches physically they ca n't allow to move money. Wells Fargo does not help me, and they do not care about me. I am here with limited money. I have to use Wells Fargo debit card, they frequently charge international purchase transaction fee for each transaction. Moreover, they are converting currency lower the rates. I attached XXXX 2017 Online Statement for your review. I want to begin a complaint process about Wells Fargo regarding their attitude to me. Wells Fargo Branch : XXXX XXXX XXXX, XXXX, NJ, XXXX Everyday Checking Account number : XXXX
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

2017-08-14

Brooklyn, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-14

Foothill Ranch, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Wells Fargo Home Mortgage acquired my mortgage from Wachovia, who had acquired my loan from XXXX XXXX. This loan was originally a HELOC, and was modified in XXXX into a second mortgage. The interest rate is a decent rate ; however, there was a large payment made by cashiers check of {$20000.00} in XXXX, paid to and cashed by Wachovia Mortgage, that has never been credited to or deducted from my account balance. This is a serious discrepancy which was not corrected when Wells Fargo originally took over the mortgage. I was not able to get Wells Fargo to correct the error during the modification process. I was told " this is not Let 's Make a Deal ''. " You do n't get to write your own terms of the modification agreement ''. Payments were misapplied during the trial modification, which had been requested for 4 months. I continued to make trial payments for 12 months and during that period of time I was credited for 0! That error was corrected in XXXX, and all trial payments were credited to my account ; however, the {$20000.00}. was never deducted from my balance. The terms of the modification for my first mortgage were not good ; it turns out it was a streamline refinance which greatly increased my interest rate rather than reduce it. During XXXX, I experienced multiple hardships and requested another modification for my first and second mortgages, especially since I was advised that the terms of the modification were not according to the HAMP guidelines. I was hardly denied. I was told I was not entitled to another modification from Wells Fargo ever again under any circumstances. In XXXX, the first mortgage received assistance from Keep Your Home California, which I greatly appreciate. KYHC told Wells Fargo that they would not be able to provide the assistance if the 2nd mortgage, also with Wells Fargo, was in foreclosure and that they had to remove it from foreclosure status and work out a resolution with me. The amount due for the 2nd mortgage at the time was under {$4000.00}. and they still owed me a credit of {$20000.00}. The moment KYHC provided a check for the 1st mortgage arrears, Wells Fargo place the 2nd mortgage back into foreclosure status and refused any work-out arrangement with me. Then they immediately sold my first mortgage to XXXX XXXX. KYHC does not directly assist with 2nd mortgages. Wells Fargo was dishonest with KYHC and with me in their handling of my 2nd mortgage account. XXXX XXXX was unaware that the 2nd mortgage existed and was putting my home in jeopardy. It is imperative that the large sum payment from many years ago be corrected, accepted as fact, applied to reduce my balance, and that it be credited to offset the amount of approximately {$6000.00}. Wells Fago wants to foreclose my home over. I am hoping you will be able to intervene so I wo n't have to resort to hiring professional assistance. My account # 's currently are : First Mortgage : XXXX XXXX # XXXX ; Second Mortgage : Wells Fargo # XXXX. Thank you for any and all assistance. It is greatly appreciated. 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

2017-08-14

Royal Palm Beach, FL

Applying for a 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 non-monetary relief

Timely Response

2017-08-14

Discovery Bay, CA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.
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

2017-08-14

Manhattan, NY

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

2017-08-14

Bohemia, NY

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-14

San Diego, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check that was cashed and posted onXX/XX/XXXX when at the end of the day the account balance was {$36.00} after the check was cashed.Also I made a {$600.00} cash deposit on XX/XX/XXXX. Wells Fargo is assessing overdraft fees prematurely this same issue has happened in the past. In the past instance wells fargo only refunded half of the fee as a " courtesy '' when it should not have been assessed in the first place. That is shady business.
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

2017-08-14

Paradise Valley, AZ

Incorrect information on your report

Vehicle loan or lease: Loan

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

Untimely Response

2017-08-14

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

2017-08-14

IL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I deposit {$4500.00} into a cash deposit for my girlfriend, and Sunday XXXX stole the money intended for my girlfriend, I went back to the Wells Fargo Bank to report to them that my money was stolen by a scammer who took my girlfriend money. I made a police report with the XXXX Police Department, as well with XXXX. I want this fraud be investigated and find those out there scamming people out of their money. 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

2017-08-14

Foreman, AR

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

2017-08-14

Winton, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We submitted a loan modification last year with my youngest daughter to Wells Fargo. They said we did not have enough income and denied us. I submitted for a loan modification with my oldest daughter. They insisted I had to use my youngest daughter also for qualifying even though I told them that my youngest daughter had not filed taxes and went through a divorce. They insisted. Now Wells Fargo says that we make too much money to qualify for a loan modification. My rate is at 5.625 I am on social security and over XXXX years old. I do n't want to move but they are forcing me to. I put a lot of money down on this home and they wo n't work me. They are not willing to lower my rate or modify my loan. Wells Fargo is taking advantage of me based on my age and not willing to work with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-14

Lacey, WA

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
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

2017-08-14

Oxford, GA

Closing on a mortgage

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

Complaint: My house is scheduled to be sold on X/XX/17 and since Wells Fargo has not properly administered the loan details I can not sell. The buyer wants a clear title and without one will not proceed with the purchase. Wells Fargo has been contacted to clear the title but has not yet done so. My loan was due to end in XXXX of 2017 so this issue would have cropped up at that point even without the sale of the house at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-14

Fort Russell, IL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX 2017, Wednesday XXXX XXXX emailed XXXX with questions RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter ; X/X/2017, XXXX XXXX voicemail to XXXX RE : questions about requirements, qualification ratios and Conditional Credit Approval Letter X/XX/2017 CONFIRMED BY PHONE ( XXXX XXXX ) ... XXXX STILL WORKS THERE. as of today XXXX XXXX 2017, Monday, XXXX XXXX she has not responded ALL my questions. X/X/2017 XXXX XXXX XXXX confirmed the approval is contingent on my selling my existing home but has not answered my other questions, in particular, I want to know why I have to sell my existing home before I can get approved for a new loan AND why my existing home ( that has no mortgage obligation ) has to be sold at a price such that the net proceeds equal an amount specified by them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-14

Hillsdale, NJ

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be XXXX.
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