WELLS FARGO COMPANY

2017-06-15

Grand Prairie, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: In XXXX I was a guarantor on a business credit card for XXXX XXXX XXXX . They and myself were unable to pay the {$20000.00} credit card at that time. In XXXX Wells Fargo sold the debt after they charged it off to XXXX XXXX . In XXXX XXXX XXXX ability to sue me for the debt cease under TX statue of limitations. They may still be able to go after XXXX XXXX if the company still has assets. It is my understanding it does not. XXXX XXXX they sent me a collection letter claiming they have the right to demand payment from me despite the debt being time barred from collections under TX law. They are also attempting to collect {$28000.00} instead of {$20000.00}. This may be business debt but I am still a TX resident and they have no ability to sue me under TX statue of limitation laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

Point Arena Air Force Statio, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I have applied to Wells Fargo numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated XXXX XXXX , 2017, from Wells Fargo bank which I received on XXXX XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning XXXX XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes. The Califo rnia Civil Code states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

Eatonville, FL

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 explanation

Timely Response

2017-06-15

San Gabriel, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: Wells Fargo Bank checking acct XXXX & XXXX. These accounts are reported to be open on XXXX/XXXX/2013 and closed on XXXX/XXXX/2013. closed for Caused-Purged which is showing negative on my XXXX account. These accounts where never funded by me I never recived any checks are bank cards these accounts was opened and at one time I was on XXXX so they closed the accounts. But this bank should not be reporting anything negative regarding these two accounts because I never used these accounts. These need to be removed off my file
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2017-06-15

Madison, WI

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a Wells Fargo checking account on XXXX . The deadline to open an account for the {$250.00} promotion was XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus ( XXXX debit purchases or {$500.00} direct deposit -- i completed both ) and still 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 monetary relief

Timely Response

2017-06-15

Fort Lauderdale, FL

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

2017-06-15

Birmingham, AL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Wells Fargo serviced my loan through XXXX 2015, during which time I was involved in a Chapter XXXX Bankruptcy. I have requested on numerous occasions that Wells Fargo provide a complete detailed payment history from when they serviced the loan, since I have disputed the balance of the account. Wells Fargo has refused to provide the payment history, stating they have no obligation to do so. Wells Fargo is in violation on RESPA and CFPB loan servicing law. I am seeking your assistance on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

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 non-monetary relief

Timely Response

2017-06-15

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have attempted to short sale my home for the last year with the repetitive declines stating that the offer was not sufficient. We have asked for a valuation dispute and was advised that we were not eligible to dispute the value of the home. This last review I was advised that the offer of {$370000.00} was not valid - and that the offer needs to be {$470000.00}. The bank was sent an offer for {$470000.00} and they are now stating that the file is denied due to an invalid offer. Please help me have my file accurately reviewed as the Bank is not acting in good faith with my situation and it seems that they wanted to foreclose on my home no matter what.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-15

Bladensburg, MD

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

2017-06-15

Lena, OH

Closing an account

Checking or savings account: Checking account

Can't close your 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

2017-06-15

Anaheim, 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

2017-06-14

Corona, CA

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Payday 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

2017-06-14

Moapa, NV

Other features, terms, or problems

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

Other problem
Complaint: I obtained a secured credit card from WELLS FARGO in 2014. This secured card was for the amount of {$300.00} I obtained this card under the guise that it was a tool for rebuilding my credit and that if i used the card an made my payments on time that the limit would go up and that that it would become a regular credit card. I have had this Wells FARGO secured credit card for over 3 years. in that time i have never made a late payment nor even so much as waited for my bill. In fact I have, consistently, paid this card off in full every month. <P/> I have patiently waited for Wells Fargo to increase the amount and return my {$300.00} as promised for proper usage of this card. Instead i have been paying annual fees as well as usage fees and and exorbitant cash advance fees for it when it covers as overdraft protection for my well bank account. ( I have another credit card from XXXX XXXX that i obtained well after the Wells Fargo card and it was almost immediately increased and no longer a secured card. over a year in fact. ) My main problem with Wells Fargo, this card and their inappropriate action is : I am currently attempting to purchase a home. i have learned that this card has actually been detrimental to my credit and credit score due in fact to none other than its minimal limit. I. E. I rent a car for the weekend and it costs me {$160.00} however XXXX puts a standard {$300.00} hold on any card for security purposes. Well this shows on my credit score as exhausting my available credit resources, or at the very least exceeding the preferred 30 % usage of available credit. having and using this card regardless of payment history has held my score back not improving it. ( by the current standards the only way that this card would improve my limit is by my having it, paying fees for it but never using it! ) What has it done to those less fortunate and with less income who could barely afford the {$300.00}. to start. How much money and fees have i paid for the usage of my own money.
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

2017-06-14

Durham, NC

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Complaint: On XXXX XXXX ,2017 I put in a request for my information to be updated so I could receive a Ac cess Code to send money using wells Fargo sure pay. I rec eived the email stated that my information has been updated and to allow time to receive code. I called on XXXX XXXX , 2017 to get the code and they advised me the ticket was never put in and I would have to wait for another ticket to go in. I was on the phone with three different representatives for almost 50 minutes just for them to tell me I still hav e to wait. This is BAD SERVICE and it is UNACCEPTABLE!! Clearly, some additional training is needed because work orders are not being handle properly! I feel my business at the bank is not being taking seriously and will be closing this company 's account. I AM TRULY UNSATISFIED WITH THIS COMPANY!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

WY

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I have been directed to the presidents office several times and was even told they would contact me regarding my loan, no one has contacted me from wells fargo dealer services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

Irmo, SC

Incorrect information on your report

Vehicle loan or lease: Loan

Information belongs to someone else
Complaint: Wells Fargo r ep provided me with a contract that listed someone else information o n it. SSN. I do not have or had a vehicle with them in my possession. I asked that these tradelines be removed from all XXXX bureaus. The contract provided is not valid being that it has another persons ssn on the contract. Also they provided a drivers license copy that has the persons picture removed. All this was sent by Wells Fargo Representative XXXX XXXX . I have attached the correspondence that was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2017-06-14

Auburn, AL

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Afte r Wells Fargo den ied my loan, I sent the company the below letter and received no response I am responding to your XXXX XXXX , and XXXX , XXXX , letter informing me my co-signer load was denied. Please provide answers to the below questions : 1. How Wells determine whose loan will be approved 2. Specifics, why my load was denied. Please do not indicate generalities. 3. Minimum credit score required to receive a loan 4. My point score 5. Ple ase provide evidence which states specific creditors reported I had pass and current delinquencies. I am requesting that you email me specific, detail reasons, why my co-signer loan was denied. According to pass phone conversations wit h Wells load specialist, I had pass and current delinquencies. If you are unable to provide specifics, one can conclude Wells makes subjective, arbitrary, and capricious loan decisions. Your letter states that my credit report indicated I had delinquencies. I will litigate this matter and file a formal complaint based upon racial di scrimination, and will argue that XXXX who have lower credit scores than XXXX and no relationship wit h Well Fargo are afforded student loans. Taking into consideration my current banking relationship with Wells, I am extremely disappointed Wells denied my loan. I have my IRA account with Wells, along with XXXX other savings and checking accounts. Finally, according to my credit report that Wells Fargo provided, my credit score is XXXX . My credit report indicated that I have no credit card debt, I had XXXX delinquencies, which were paid in full. I look forward to expeditiously hearing from you. Sincerely, XXXX 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

2017-06-14

Manhattan, NY

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

2017-06-14

Boardman, WI

Fraud or scam

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

2017-06-14

SC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XXXX / XXXX / XXXX , I received a summ ons from my county fr om XXXX XXXX XXXX , XXXX that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on XXXX / XXXX / XXXX . A Wells Fargo business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into the Wells Fargo business checking account on XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from XXXX on XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation session did n't take place.
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

2017-06-14

Annapolis, 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 explanation

Timely Response

2017-06-14

Yeagertown, PA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-14

West Covina, 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 explanation

Timely Response

2017-06-14

Liberty Township, OH

Managing an account

Checking or savings account: Checking account

Fee problem
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