WELLS FARGO COMPANY

2017-06-22

Pacific Beach, CA

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

2017-06-22

TX

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I got a wells fargo credit card and the contract has a false advertisement or confuse about a insurance cellphone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-22

Bonnie, UT

Money was not available when promised

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

2017-06-22

Madison, GA

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

Timely Response

2017-06-22

Blackbird, DE

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Complaint: On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable. 2. National Banking Act. 3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act. Evid XXXX XXXX XXXX. ATTN : XXXX XXXX XXXX /dba C.E.O. c/o XXXX XXXX XXXX XXXX, OH XXXX Wells Fargo Bank N.A. ATTN : XXXX XXXX XXXX d/b/a C.E.O. XXXX XXXX XXXX, XXXX XXXX, California 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

2017-06-21

Charlotte, NC

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

2017-06-21

Rochdale, NY

Improper use of your report

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

Reporting company used your report improperly
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from WFDS which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX. I have contacted WFDS, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Bedford, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.
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

2017-06-21

Maiden Rock, WI

Wrong amount charged or received

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

Complaint: Account is n't always updated on time so I lose money and sometimes in the negative. Also sometimes transactions do n't go through right away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

VA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Myself and my wife are first-time home-buyers. Because we banked with Wells Fargo we selected them as our loan provider and began looking at properties. On XX/XX/XXXX we received a loan estimate from XXXX XXXX at Wells Fargo for a property we wanted. The loan estimate broke out the estimated cost for each item. On XX/XX/XXXX, three days before our closing, we received the closing cost disclosure. We had not received any updated costs between those dates. Unfortunately the disclosure added a number of items that were not listed in the loan estimate and were apparently part of the closing costs - these totaled {$2700.00}. The documents were sent at XXXX XXXX and we both arrived home around XXXX XXXX from work. We immediately contacted Wells Fargo and spoke with XXXX XXXX regarding this discrepancy. He began itemizing the items that they applied the credit we received from the seller. As he reached the items that were newly added he specifically said, " Those are paid by the seller and are n't something you 'd have to pay, '' and skipped over adding them. Once he saw the total did not match up to our credit, he added those items in and said that must be it since that would make it match the sellers credit. He suggested we speak with XXXX XXXX regarding these since he did not get to apply these credits and merely handled the numbers. According to XXXX XXXX, the line items for these items was not included in the original estimate because they were unsure of the cost, to which I would ask we were given estimated costs for other items but not these. XXXX XXXX said we should have knew other items existed because the number in the Sellers Credit section further down was not the complete value ( though how we were supposed to know there was an error in the line items, and not an error in the sellers credit section, we still are not sure ). XXXX XXXX admitted that this could be confusing, but that we should have figured it out ( even though she knew we were first-time home buyers and somehow this deceptive practice was okay in her eyes ). At this point it was after XXXX XXXX and she said nobody was at her office beyond one person and there was little we could do. If we decided to not accept the offer she could potentially try to ask the next day, but it would require moving closing and that may effect other aspects. If we decided to do this she offered to redraft up documents that would require us to take more points in interest rate and that she might be able to make up some of that cost that way ( though not all of it and it would be a significant amount of rate ). Even if we wanted to walk away from this deal, we would be giving up our earnest money ( which we ca n't afford to do ) and we would be boxed in with respect to time. My mother can not afford to live where she is currently and needs to move in with us and will be forced to leave her current residence in less than a month from our original closing date, which leaves us little time to find a new home and potentially a new loan provider. The fact that we were only informed of these new fees only 3 days before our closing date and the fact that XXXX XXXX knew when my mother would be arriving absolutely makes us feel like we were intentionally deceived regarding these closing fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

PA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through 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

2017-06-21

TN

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I followed a link online advertising open a Wells Fargo Everyday Checking account by XX/XX/XXXX and make 10 transactions OR have {$500.00} in direct deposit to your new checking account in your within your first 60 days and receive a {$250.00} incentive. I opened my account on XX/XX/XXXX and completed my transactions on XX/XX/XXXX. I emailed Wells Fargo through my new checking account on XX/XX/XXXX to make sure I followed all the required steps to ensure I 'd get my incentive and spoke with XXXX XXXX who said I just needed to fill out a XXXX, which she sent me in a pre-addressed envelope, and wait 45 days. I filled it out and mailed it back the following week. I waited aprox. 45 days and checked my account again and saw I had n't received the incentive so I gave Wells Fargo a call on XX/XX/XXXX. I ended up speaking with 3 different people because the first time I was n't speaking to the write person and the second time I was transferred to the wrong person. Finally with the 3rd guy I explained my situation and was asking to make sure that I had done all the right steps to ensure I would get my incentive. He then laughed at me and told me I was n't getting the money because I missed the deadline. He informed me the deadline to open an account was XX/XX/XXXX and I opened my account on XX/XX/XXXX. I informed him that I actually opened my account on XX/XX/XXXX and I had an email from Wells Fargo saying my account was eligible for the incentive if I did the required steps, I had emails from XXXX XXXX saying I just had to fill out the XXXX, and I had a screen shot of the page I clicked on to apply with the deadline. He offered to file for it to be reviewed but laughed and said they were n't going to pay me. I thanked him for his time but told him I 'd email Wells Fargo again and resolve the issue. That same day, XX/XX/XXXX, I emailed Wells Fargo informing them of the above and wanted to know when I would get my incentive that was advertised. They wrote back that they would pursue the issue further and I have n't heard back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Rochester, NY

Managing an account

Checking or savings account: Checking account

Banking errors
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

2017-06-21

Ft Lauderdale, FL

Problem when making payments

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

Problem during payment process
Complaint: This complain is about Wells Fargo Bank. when I pay my Wells Fargo visa credit card online, from my Wells Fargo checking account, the payment amount is taken immediately from my Wells Fargo checking account but not posted to my Visa credit card Account for a period of 3 days. I can not benefit or use the amount that I just paid on the card for 3 days. It will show online as payment in process. But when the funds of that payment are finally available, it will show online that the money was credited the day you made the payment 3 days before when in fact was not. I have used this same Wells fargo checking account to pay other lenders credit cards, and these others credit cards post with in 1 day or 2 of the payment, and that is the moment my money is deducted from my Wells Fargo checking account. I did complain with the credit card representatives by phone, and they said this is how it is. I end up paying off my balance on this Wells Fargo credit card and close that account. My complain is that wells fargo is playing with the money of their customers for at least 3 days, and this is not a fair business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

CA

Problem when making payments

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

Problem during payment process
Complaint: In early XXXX, I noticed unauthorized charges on my Wells Fargo credit card. I called Wells Fargo and was told it would be looked into and adjustments would be made. Approximately 2 weeks later I saw that reduction of approximately {$600.00}. Had been made to bring credit card balance to approximately {$1.00}, XXXX. ( I 'm on a fixed income so as usual when I get paid once a month I pay my bills imediately so not to fall behind ) Well! I get a letter from Wells Fargo saying that " because I had made my monthly payment '' Wells Fargo has reversed the non authorized charges and put the non authorized charges back on my Wells Fargo credit card for me to pay. So Wells fargo did not and does not want me to pay my monthly payment. saying : if I make my credit card payment I 'm to be penalized simply for paying my bill. ( When I paid my bill the corrected amount was showing. So therefore it said $ payment was due on the adjusted {$1600.00} credit card balance. So now I 'm not going to pay Wells Fargo Credit Card - per Wells Fargo if I pay it it 's validating the transactions that were not mine. That seem illegal - if I pay I 'm penalized, if I do n't pay my monthly payment I 'm penalized .... So it appears I am not to make my Wells Fargo credit card so I wo n't be penalized? Now my credit card info is all messed up they have made a mess of this and it was already adjusted to {$1600.00}. Not a single person said " do n't make you monthly credit card payment or you will validate unauthorized charges and have to pay the unauthorized charges. I 'm so disgusted that Wells Fargo would do such a horrible thing to any customer - it 's shameful and Wells Fargo gets my XXXX check auto deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Encinitas, CA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
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

2017-06-21

Manhattan, 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

Timely Response

2017-06-21

San Diego, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number 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

2017-06-21

Bywood, PA

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

2017-06-21

China Lake, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We want to be included in the law suit against wells fargo, they foreclosed on our home illegally. Stating we owed XXXX on home. we never refinanced home, built the home for XXXX in XXXX. Payments unapplied, file bankrupsy to keep the home. They had our payments at XXXX per month plus XXXX bankrupsy payments. Nothing ever applied. We were told they put us in a jack leg loan. refused to lower our interest rate of 8 % an to help us with any modification. We want our name on the top of the list in law suit. I hope the Federal Government comes down on Wells Fargo hard and they have to repay people like us they scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Seattle, WA

Trouble using your card

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

Can't use card to make purchases
Complaint: My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Being treated poorly as a customer with Wells Fargo Bank. I have been with Wells Fargo, for a little over a year now. During this time period my identity was stolen and claims were filed not on my behalf online. Well due to these Claims Wells Fargo originally decided over two months ago that they would close my accounts. Giving the reason of " Excessive claims '' and then telling me the claims department recommended a review and recommended them close my accounts. After speaking with both the claims department and, prevention loss department. The Prevention loss department determined to keep my accounts as i was not the one who filed the claims. Then several weeks later, The same thing occurs. Once again they re reviewed my accounts and determined to retain the relationship. In the mean time i went to use my debit card to make a purchase and realized my debit card had been closed. I called customer support and was advised to go ahead and go into a branch and get a new card open. I did this over 6 times, With each card being closed within a week. Wells Fargo then makes a third attempt at closing my accounts out sending me notices, and i call once again and they determine that i did not file these claims. Then the representative calls over to the fraud prevention department and has my debit card turned back on, and explained to the rep that i did not misuse my debit card. I was also advised at the time, that as long as no further claims were filed my account would be monitored and kept open. If any further claims were filed it would be closed. No further claims were filed. I receive a letter in the mail, its in regards to a claim. I call the number on the letter to ask them what transactions was this in regards to. The letter advised if you have any questions to call. I did not try to file ANY NEW CLAIMS 0. Since my card was reopened. The rep then tells me she does n't have to give me that information. Then advises top please hold. Once being on hold i am then transferred to a person named XXXX ( Relations Department of the Claims Assistance center ) XXXX then advises me hes going to go ahead and close my debit card, I advised him that this decision to revoke my privileges was already over turned last week, and asked him why my debit card was being closed. I was then told because he can and it should n't have ever been re opened. I advised him the fraud department determined i did NOT misuse my card and decided to keep it open. He says he did n't care what that department said, and did n't care what my questions were. I then asked to speak to a supervisor and he told me he does n't have one. He then proceeds to hang up on me. All of this over a letter, about a claim and all i wanted was information. The next day i find out after filing a complaint on this XXXX. That my accounts are set to Close once again, And when i call to ask why. I am told due to Excessive claims again, even though it was already determined it was not from me. I advised them to check their notes last week, and the agent starts getting irate and says no. This decision is final.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-21

Palos Park, IL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I am being sued by a third-party debt collector on behalf of Wells Fargo Bank, N.A. Wells Fargo has collected insurance for my default and can not sue as they have been paid. I need to know if Wells Fargo is allowing the third-party debt collector to sue in their name or if they are actually bringing a complaint against 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

2017-06-21

San Francisco, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts 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