WELLS FARGO COMPANY

2017-08-08

N Hollywood, 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

2017-08-08

Clayton, MO

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Complaint: I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.
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

2017-08-08

Hon, HI

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

2017-08-08

CA

Trouble during payment process

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

Complaint: Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-08

Bayview, GA

Problem when making payments

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

Problem during payment process
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

2017-08-08

Arlington, MD

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

2017-08-08

Balmville, NY

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

2017-08-08

Newark, NJ

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

Timely Response

2017-08-08

Atl, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Canton, OH

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 monetary relief

Untimely Response

2017-08-07

Chicago, IL

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

2017-08-07

MA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I was toward the end of my loan modification process and have been paying a new payment since XX/XX/XXXX. When I called to make my XX/XX/XXXX payment, Wells Fargo said that they were waiting for one last piece of the puzzle from me to approve the loan modification. They said they needed a power of attorney paperwork for my father ( XXXX XXXX XXXX XXXX ), who is a co-signer to my mortgage, which had been sent out out. During the conversation to make the payment, I told them that I 'm going to be selling my condo. When I said that, they said that the loan modification is now null and void and my condo is back on foreclosure status. I requested a payoff quote of my mortgage. When I received the payoff and I looked at the figures, it said I owed XXXX on a condo I paid for XXXX back in may if XX/XX/XXXX. I was about 11-12 months behind on my mortgage when the loan modification process started. My loan balance was XXXX as of XX/XX/XXXX. As part of the loan modification, HUD took out XXXX to lower my principle loan balance to XXXX thus making my monthly payment lower. When I was looking over loan payoff, they added in that XXXX twice, thus making my loan payoff XXXX. I 've been making faithful payments the first of each month since XX/XX/XXXXand that money is no where to be seen in my payoff. I called them on Friday and not much help at all I almost had a heart attack when I saw these figures I want to emphasize that the reason I fell behind in my mortgage is because I had a bad slip and fallXX/XX/XXXX and have been on XXXX ever since, and have had multiple surgeries I have sent you screen shots of the original loan modification numbers and the payoff numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Tucson, AZ

Improper use of your report

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

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

2017-08-07

Lake City, MI

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 monetary relief

Timely Response

2017-08-07

Perris, CA

Getting a credit card

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

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

Timely Response

2017-08-07

Hemet, 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

2017-08-07

Chicopee, MA

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX which is with Wells Fargo originally. It is with XXXX XXXX now I paid in full XX/XX/XXXX. It is for XXXX I would like the pay status to be updated to paid off in full. I called wellsfargo on XXXX XXXX 2017 they said to call XXXX XXXX to do it. XXXX XXXX said the opposite that we 'll fargos has to update it because they were the original lender. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma 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

2017-08-07

Dallas, TX

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/XXXX I used one of my credit cards an XXXX XXXX card issued by XXXX 's XXXX XXXX and administered by Wells Fargo Bank -- - to pay for a mission outreach trip scheduled for XX/XX/XXXX. I authorized a charge for {$700.00} as a deposit for the trip. However, on XX/XX/XXXX, I became ill and was unable to travel on the trip at the recommendation of my doctor. I immediately asked the mission outreach organization to refund my deposit. I asked them repeatedly over several months for a refund with no success. Beginning in XX/XX/XXXX, I asked XXXX 's to give me back my {$700.00} via its telephone dispute customer service representatives. I called them repeatedly beginning in XX/XX/XXXX through XX/XX/XXXX. I received no response from XXXX 's and the {$700.00} charge remained on my credit card statement. I continued to contact XXXX 's about the {$700.00} charge that appeared on my account. This was the only transaction on my card. To this day, the only thing I ever charged on this credit card was the {$700.00} for the mission trip. In XX/XX/XXXX, XXXX 's placed the {$700.00} charge in dispute and told me I did n't have to pay it. InXX/XX/XXXX, I contacted my bank - XXXX -- and told them about the problems I 'd been having with getting my refund from XXXX 's. XXXX XXXX investigated and helped me with my dispute by giving me a {$700.00} credit in my bank account. At this point, I was made whole and gave up trying to contact XXXX 's. In XX/XX/XXXX, XXXX 's removed the dispute status from the {$700.00} charge and said that I have to pay it. In XX/XX/XXXX, I filed a written request with XXXX 's to remove the {$700.00} deposit for the mission trip from my credit card. In the letter, I told XXXX 's that XXXX XXXX had refunded the {$700.00} I paid on XXXX 's credit card and returned this money to my bank account. I wanted XXXX 's to remove the {$700.00} charge from my account or get their money from the mission trip organization. Prior to sending this letter, I had been told by a XXXX 's telephone customer service representative that I was responsible for getting the money from the mission trip organization and sending it to XXXX 's. I refused to do this. I told them I would not do it via telephone and in my XX/XX/XXXX letter. I received no substantive response from XXXX 's to my letter. In XX/XX/XXXX, my credit card monitoring service began to show that XXXX 's had submitted negative information about my account to the credit reporting agencies. I received notices that XXXX 's claimed I failed to pay my account ; XXXX 's also noted that my account was in dispute. In XX/XX/XXXX I received a letter from XXXX 's stating my inquiry was being reviewed. However, beginning in XX/XX/XXXX, XXXX 's reported that my account was 30 days past due. This reports of late payments continued until XX/XX/XXXX. I received a XX/XX/XXXX letter from XXXX/Wells Fargo Bank giving me a notice of intent to accelerate and demand for immediate payment of my entire account balance, which they claimed was past due in the amount of {$300.00}. In XX/XX/XXXX my account with XXXX 's was closed by XXXX 's ; the alleged account balance was {$1000.00}. Subsequently, I was denied a store credit card by a small clothing store in XX/XX/XXXX. This was very disturbing to me. I have always been very diligent with my bills and paid what I owed. I believe XXXX 's treatment of this matter has unfairly harmed my credit history. I want all negative information about this account removed from all 3 credit reports and I want XXXX 's to update my credit file to show that this account was closed in good standing. And I want another XXXX 's card to be issued to me. I am a long-standing customer and I do n't deserve this treatment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Katonah, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

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

Untimely Response

2017-08-07

Savannah, GA

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

2017-08-07

Duvall, WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

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

Untimely Response

2017-08-07

Glyndon, MD

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 monetary relief

Timely Response

2017-08-07

Stockbridge, GA

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

2017-08-07

Wake Forest, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: During a home refinancing program for veterans, they reported my loan as being late. I was not late, paid mortgage payments as scheduled ... .. while the paperwork was being processed for loan modification period. Wells Fargo sent a letter telling me I was approved and when my payments would resume. I was not late making payments during the process of them refinancing the loan. The dates in question where during the home modification process ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Berthoud, CO

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My wife and I moved into our new house XXXX of 2016, the house was brand new and we paid {$400000.00} for the house and put 5 % down because we knew we were going to need additional cash for things such as landscaping painting the interior etc. that need to be completed when you move into a new house. After about 10 months of being in our house, more houses on our side of the street ( which backs to a golf course ) were completed and sold. The houses sold anywhere from {$470000.00} to {$580000.00}. I reached out to Wells Fargo to see what my options were in removing our primary mortgage insurance ( PMI ) and they told us about a Broker 's Price Opinion ( BPO ) that could be completed for {$200.00}, and if a realtor came out and thought our house could be listed for what would equate to 75 % loan to value ( LTV ) we could have our PMI eliminated, this number for us would have been {$500000.00}. We had the broker come out and look at the house and put a report together with different " comps '' that had recently sold, my wife and I thought there would be no problem with us coming in at {$500000.00} because of the houses that had been sold recently not having completed backyards and our house was larger than all but 1. We were shocked when the report came in at {$490000.00} and filled out a dispute form because the comps that were used in the report, while being brand new homes, did not back to the golf course. In the dispute we used three homes that sold, within 6 houses of us all backing to the golf course and all selling for over {$500000.00} without completed landscaping. In the report I used total square footage for the house 's instead of gross living area ( GLA ) and the initial dispute was rejected because total square footage was the incorrect measurement. I then resubmitted the dispute form with the GLA numbers and again had the dispute denied because the comps that I was using were new construction. Wells Fargo is not looking into the matter again and is telling us we will not have the matter reviewed any further. My concern is that Wells Fargo is using this BPO as a method for them to collect and additional {$200.00} of revenue without having any intention of actually eliminating their clients PMI. The representatives that I have spoken with understand my frustration and do not know why we can not look into the matter further and get another review done. They can not give me a reason why the broker can use new builds as comps but I can not, nor why none of the houses that were used as comps back to a golf course in the brokers report. While I know XXXX is not always the most reliable source, currently XXXX has our estimate at {$580000.00}. I would like to see the statistics on how many BPO 's have been completed and how many have resulted in elimination of PMI, where I stand, this is another black mark on Wells Fargo and further evidence that they will do whatever they need to to generate revenue with total disregard for their clients.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response