WELLS FARGO COMPANY
Consumer Complaints
There are over 75348 complaints on file for WELLS FARGO COMPANY. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 812
2017-06-20
Wrentham, MA
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
2017-06-20
NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments may have been misapplied. The particular lates referred to are : Late Payments Being Reported : 180 days past due as of XXXX XXXX to XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 90 days past due as of XXXX XXXX, XXXX XXXX to XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-20
Alafaya, FL
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
2017-06-20
Huntsville, AL
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 non-monetary relief
2017-06-20
Greenwood, CA
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: We are long-time Wells Fargo customers, in fact, when we use the ATM or sign on to online banking, the message thanks us for our 25+ years of being customers. In the XXXX XXXX, XXXX edition of the XXXX XXXX, there was an article about the ongoing sales practices that led to the current scandal. The article addresses a report that says the problems in the banks sales culture date back to at least XXXX far earlier than the bank had previously said We wrote to then CEO XXXX XXXX in XXXX about an unnecessary home equity line of credit that ended up costing us {$500.00} in fees. We did not need the line of credit and in fact, never used it. The banker at the time said it was good to have just in case. We were told in a later phone conversation by XXXX ( XXXX ext. XXXX on XXXX/XXXX/XXXX XXXX XXXX PT ) and XXXX ( XXXX XXXX ) that there was no pre-payment penalty. A full year later we recalled that the line of credit was sitting unused out there and considered using it for a kitchen remodel. We were unable to use the loan because of subordination so we closed to line of credit, again, without ever using it and were charged {$500.00} for an unnecessary, unwanted and unused line of credit. The response back from Wells Fargo was a cold form letter, not customer-centric and certainly not something we expected. Now that the banking scandal appears to pre-date the line of credit, I requested information on the entire process of the line of credit. Was the employee who signed us up for the unnecessary home equity line of credit paid a commission and/or bonus? Were they part of the scandal? Were they fired by Wells Fargo? Was anyone else involved in the line of credit a part of the scandal and did they receive commission and/or bonus for the loan? I requested yet again, that we be refunded the {$500.00} we were charged for an unwanted, unnecessary and most importantly, unused home equity 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
2017-06-20
N N, VA
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 monetary relief
2017-06-20
WV
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I obtained an auto loan for a XXXX XXXX XXXX from Wells Fargo Dealer Services. I put {$5000.00} down. It was a five year loan, so originated in XX/XX/XXXX or so. In XX/XX/XXXX, vehicle was towed, and I could not locate it. The towing company insisted on the title, which remained with Wells Fargo. They were unhelpful. I later learned that dishonest tow companies do this sort of thing, and apply for a salvage title. I continued to pay Wells Fargo through most of XX/XX/XXXX, but finally, defaulted, because a ) they would not assist me in proving title, and b ) there was only {$5000.00} or so left on the loan, and I thought they could retrieve their collateral. I occasionally question Items on all three credit reports. In the past, Wells Fargo sends in a proof of claim, and it stays as is. I did it again in XX/XX/XXXX. WellsFargo Dealer Services reacted with XXXX, XXXX, and XXXX by moving the default date up to XX/XX/XXXX, changed the amount due to {$7000.00}, and do not mention my original amount due and paid. So, it looks as if I just defaulted on an entire loan. This violates the Fair Credit Reporting Act, and immediately reduced my FICO score by 40 points. I have complained to them, but do not expect any follow up action. Given their fraudulent credit cards exposed recently, I think that the culture there is rotten throughout. There is no way I can really be made whole. I am going to buy a share or two and attempt a shareholder 's derivative suit, as wells as sue in Federal Court for these violations, but know that I can not stand against this " too big to fail '' behemoth. Please assist. I am not alone here, just feel like it. I do not want money, but rather someone to stop Wells Fargo from consumer lending, and the Board of Directors answer for this rotten culture. The should be removed for fiduciary violations and corrupt practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-20
Ridley Park, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Alta, CA
Getting a line of credit
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-06-19
NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is the second complaint I am issuing related to my mortgage holder. As mentioned in my previous complaint, we entered into a Chapter XXXX Bankruptcy in an effort to keep our home and get back on track. Our Chapter XXXX was discharged this past XX/XX/XXXX. We maintained our commitment and paid our monthly mortgage consistently for 5 years as part of our agreement. In XX/XX/XXXX my husband reached out to Wells Fargo to discuss the potential of moving our monthly payment to the XX/XX/XXXX of the month as he is XXXX XXXX and receives his XXXX check the 3rd week of every month. He called, went to a local branch with all telling him that they could n't speak with him but would document. Since that time, we again, consistently made our payment on or about the third week of every month. <P/>Today we are trying to refinance our home in an effort to decrease the interest rate. In that process, we have consistently received reports that Wells is reporting us as late payment with a total of XXXX in late fees. <P/>XX/XX/XXXX, when inquiring for a reconciliation of our payment history, I was directed to submit in writing a request for a complete reconciliation of the payment history and inquiries related to our loan. I received official notice that it would take approximately 10 days. I received a letter from Wells that the date for the review completion needed to be extended to XX/XX/XXXX. Only after I submitted an official complaint through the CFPB did I receive a call advising me they received my complaint, however, the account audit / reconciliation was still not complete. On XX/XX/XXXX, the Wells representative that was handling the complaint, notified me that she still did n't have resolution. On Friday XX/XX/XXXX, I contacted this same Wells representative. She advised that she still did n't have however, I offered her a resolution. I asked if Wells could move our payment to the XXXX of the month and reflect that my previous payment history could reflect consistent on time payment for the last year. She did advise that she would research that. <P/>Today I was alerted that our refinancing attempt was declined due to Wells reporting late payments for the last year. I was also informed that our ability to refinance with any financial institution ( including Wells ) would be impossible until this was resolved. I find this unacceptable and complete unfair practice. Remember I was in a 5-year plan for the Chapter XXXX. NOT once did Wells reach out to rectify or alert us that we would suffer this devastating diagnosis. Also, I might add, the Chapter XXXX was discharged OFFICIALLY in XX/XX/XXXX on the record. <P/>I would strongly urge anyone entertaining doing business with Wells Fargo mortgage, NOT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-19
NJ
Trouble during payment process
Mortgage: FHA mortgage
Complaint: Our home was substantially destroyed by XXXX XXXX . We have recieved t he RREM Grant from the state of New Jersey and are currently raising our home and have had to find other residence. In XXXX we were made aware of a Forbearance of Mortgage Payments by The New Jersey Department of Community Affairs. We applied for that certification. On XXXX XXXX we received a Certification of Eligibility, XXXX - Impacted Forbearance Certification. We contacted our Ban k Wells Fargo by g oing into a local branch and speaking with their hea d officer. We also sent Wells Fargo a certified letter with the Certification letter attached. They said they would be back in touch with us in two weeks. We have never received any notification from Wells Fargo on how to proceed. I have paid our escrow of {$1000.00} for both the month of XXXX and XXXX so our Insurance and Taxes would be covered. They now tell me that they do not apply partial payments and I am in arrears for two months to for {$5300.00} not taking into consideration our two payments of {$1000.00} equaling {$2000.00}. I am getting threatening letters about foreclosure and I am worried about them reporting our loan as delinquent. I just spoke with the NJ Department of Banking and Insurance and they advised me that Wells Fargo is a Federal Bank and does not come under their jurisdiction and I should make the complaint with your Bureau. Wells Fargo refuses to give me any direction on this and I am afraid this will have a great impact on my cre dit standing I took so long to attain. Please advise me of what to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-06-19
San Diego, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I just received a phone call from Wells Farg o. This is in violation of Bankruptcy law. At XXXX XXXX ., I received a phone call from this phone number : XXXX . A woman, who initially did not identify herself as from Wells Fargo , asked to speak with XXXX XXXX . I replied affirmatively that this is XXXX XXXX . She then identified herself as being with Wells Fargo . I was shocked. I said that I am in active Bankruptcy, and that Wells Fargo is not supposed to contact me. She replied, Yes I know, that she understand s ( i. e., the Consumer Law ), but that they ( Wells Fargo ) have a right to contact me to respond to a complaint I filed to the Consume r Protection Bureau. She also notified me that the line was being recorded. She wanted stated her name, and said she wanted to give me her contact information. I said that I have requested that Wells Fargo co ntact me via written correspondence only. At that point, I asked her name. She stated, XXXX XXXX XXXX , Resolutions Specialist. I asked her what the status is of Consumer Protection Bureau complaint ( on XXXX XXXX , I demanded tha t Wells Fargo halt active foreclosure proceedings ). XXXX XXXX stated that she did not have an update, and did not know the status. She stated that she needed to research it. XXXX XXXX stated she was contacting me to provide me with her direct contact information. I said that I do not want her contact information. I asked XXXX XXXX to mail me a statement regarding the status of my complaint. She replied that she would. End of conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
East Rockaway, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX Loan # XXXX I want to place a complaint against Wells Fargo in regards to a loan modification for my subject property located at XXXX XXXX XXXX , XXXX , NY XXXX with a loan # XXXX . The reason for the complaint is due to in-compliance and mis interpretation of my loan modification review. They claim that the investor of my mortgage loan is private, and they do not participate under the HAMP program. If they do not participate under the HAMP program, why was my file being review for a possible HAMP, when they know they do not participate in HAMP and they do not follow the guidelines. I should be reviewed for a Flex Loan Modification in which I know I qualify for, and I have evidence from a Loan Disposition Analy sis in which I will attach. I was told I needed to reapply for a loan modification and I did as I placed a Loan Mod Package in XXXX and XXXX of this year, and 2 times last year. Upon receiving the Loan Mod Package, they advise I needed it to speak to a " re entry team '' to see if I can be review for a loan mod in which they just informed me to fax a new package, once again, mis interpretation from the servicer. The re entry team after an initial interview, advise me that I can be reviewed for a loan modification. After completing another review in XXXX , they advise me that I need a lot more income that was presented to reactivate the file, in which after the initial interview, they advise me I can be review for a possible loan mod. I do not understand what is going on with Wells Fargo, I really want to keep my property but they keep mis interpreting my loan, not only causing me to fall behind even more, not allowing me to get a loan mod, in which I 'm ready to start paying back my loan. I executed a Loan Disposition Analysis and after a REST Analytical Report, with the use of an NPV Result, I qualify for a Flex Mod, and I 'm able to save my house, my investment that I had worked so hard to keep. Please help me come up with a solution with this bank and save my house. I really need your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Rncho Domingz, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Dear Sir or Madam of the CFPB, It is my hope that the CFPB will assist in resolving the ongoing illegal activity being conducted by Wells Fargo Dealer Services and its agents. I have, in good faith, attempted to resolve the dispute with WFDS on more than 5 occasions. As of XXXX 2017 , WFDS has yet to resolve and discontinue reporting incorrect, unvalidated, and illegal data to the credit reporting agencies. As the attachments will show, WFDS continues to interfere with the health of my credit by continuously reporting erroneous information . WFDS c ontinues to misreport account standing and balance in direct conflict and in violation of the FCRA. WFDS, directed its agents to claim the financed vehicle in question from me. I no longer have the vehicle in my possession as WFDS took claim to the vehicle. As of XXXX 2017 , I have yet to receive written documentation as to the value of the sale of the vehicle, the redemption notice, the re-calucation after sale, and other pertinent legally required documentation. WFDS has been in breach of its contract obligations and credit reporting requirements. For the last 2 years , WFDS r eports erroneous information. I am seeking assistance in ending the erroneous, harmful, and damaging credit reporting being done by WFDS and its agents. Please review the attached documentation, phone calls, and letters, to reveal the antics o f WFDS and the struggle I have endured in ending the harm caused b y WFDS .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
San Jose, CA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Birch Bay, WA
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
2017-06-19
Orange, 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
2017-06-19
Kelso, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I am filing a compliant on Wells Fargo for their deceptive, abusive and unfair loss mitigation practices. I have attached a formal complete for your review. I pray that Wells Fargo is made to do the right thing by granting me a loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-19
Memphis, TN
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
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
2017-06-19
Bedford, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: Every time i have a mrchant credit to my account my financial institution keeps or withholds my money for to long. Every night i check my checking account for my credits at XXXX ( XXXX ) and the credits are not there, but then i check again the following day and the money that was suppost to be credited now shows the date of the day before, but as i mentioned at XXXX XXXX no credits are there. It seams to me the bank is playing with my money and as i recall this bank was caught committing fraud to it 's customers before. Also they are slow reporting my balance to different companies like XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Chula Vista, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Arlington, VA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-19
Kagel Canyon, CA
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 monetary relief
2017-06-19
Wrentham, MA
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
2017-06-19
Oxford, GA
Fraud or scam
Money transfer, virtual currency, or money service: Check cashing service
Complaint: I received a check for amount of {$6000.00} from XXXX XXXX XXXX XXXX XXXX . XXXX XXXX do their banking with XXXX XXXX . Check was made to me ( XXXX XXXX ). So i signed back of check and ask my wife to deposit it, few days later i check my account and did not see a deposit posted yet so i asked my wife if she deposit the check. Finally we found out the she lost the check. I contacted XXXX XXXX ask them to stop the check and send me another check but they told me that the check has been cashed at : *Well s Fargo Bank in Arizona ( I live in Georgia ) *Cash ed o n X/X/2016 *Routing # : XXXX *Seq # : XXXX . Teller w ho cashed the check, did not get any identification for check cashing and there is no information of who cashed the check. I have talked to XXXX XXXX , XXXX XXXX and Wells Fargo B ank several times but they have not help me so far. It is been almost 9 months and i have not helped yet. Please help me to solve this matter and get my {$6000.00} back Contact at XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation