WELLS FARGO COMPANY

2017-06-10

Maynard, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My mother got behind when my dad died. She is in an adjustable mortgage an d Wells Fargo will not work with us to get a fixed rate and bring her mortgage current. They keep suggesting she do a deed in lieu of foreclosure even though she is only {$10000.00} behind or 100 days. She has equity in the house but they refuse to work with her. She is XXXX years old an d I feel they are taking advantage. I have been overpaying the mortgage for 3 months and they accept the payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Stantonville, TN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I purchased my home in XXXX for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter XXXX Bankruptcy in XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and one payment for the current payment. My bankruptcy was successfully discharged in XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response. <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Milan, IL

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Complaint: Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>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

2017-06-10

WA

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Tucson, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My company sends my information slow to a lender. They see how much I get paid or how much I have in my account and decide how much to lend me. They have sent my information slowly and the company wo n't lend me any more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Lynchburg, VA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned XXXX on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not think so ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

San Francisco, CA

Opening an account

Checking or savings account: Other banking product or service

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

2017-06-10

Coto De Caza, CA

Closing an account

Checking or savings account: Savings account

Company closed your 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

2017-06-10

CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: Paid off loan in XXXX of 2017 with XXXX XXXX . Vehicle was paid off with 2 pa yments of {$1100.00} and {$1500.00}. Company notified my that the title would be mailed 5-10 business days and still have n't received. Upon contacting the company they claim that the last payment should have been made by a cashiers check to clear not a credit or debit card payment. The balance is XXXX and shortly after paying the vehicle off I switched banks. They are now asking me to retrieve bank statements from my old bank to show proof I paid the vehicle off. I do not believe this is fair to me the consumer as I have waited almost 2 months for a title and they refuse to release it to me. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Ladies Island, SC

Other features, terms, or problems

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

Add-on products and services
Complaint: The complaint is with XXXX and XXXX XXXX XXXX I have the benefit of my mobile phone being insured as long as I paid my bill with my VISA card. This is what sent to XXXX and XXXX XXXX XXXX : In XX/XX/XXXXI dropped my XXXX and broke it. I ca n't see what 's on the screen and it has been acting up since I dropped it. I am desperate for a new phone. I meet all the requirements, have uploaded everything needed to be reimbursed for the cost or replacement of my XXXX XXXX. When I got no response to the claim that I filed by phone in XX/XX/XXXX, I filed an online claim. Every time I talk to XXXX XXXX XXXX I get the run-around. I paid my XXXX bill for years with my Wells Fargo Visa. I have a broken phone which is covered in my card benefits. Surely this is not the way XXXX treats its customers. Please take control of this and resolve this issue before I have to take further action. The claim number filed by phone is XXXX. The claim number filed online is XXXX. Thank you. XXXX XXXX XXXX XXXX XXXX needs AT LEAST some attention for not resolving this issue in a timely matter. I 'm still waiting for a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Grovetown, GA

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

2017-06-10

Fort Mohave, AZ

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

2017-06-10

Augusta, GA

Loan payment wasn't credited to your account

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

2017-06-10

Chula Vista, CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Wells Fargo is a t it again! They have been lying to me ever since I refinanced with them 4 years ago. The most recent issue, they gave me specific instructions on how to pay off a loan. When I called today, they said that was not how mortgages are paid off and that I needed to send additional funds to a different address with a loan payoff letter. The loan has been paid and there is both money in the escrow account and extra funds that have been sent to the lender to cover all 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

2017-06-10

Los Indios, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: During XXXX XXXX , 201 6 Wells Fargo placed an account for which i never applied for. I called and asked for it to be removed. However Wells Fargo h as only removed the inquiry from my XXXX report. It is still in both my XXXX and XXXX credit reports. The inquiry : Name : Wells Fargo Pl & L Inquir y Date : XXXX XXXX , 2016 Phone: 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

2017-06-10

Stevenson, MD

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: This Attorney a nd Wells Fargo have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated XX/XX/XXXX has gone unanswered. I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided. <P/> This law firm and Wells Fargo Bank are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of XX/XX/XXXX I have yet to receive the requested VALIDATION documentation. <P/><P/> I have requested the following : 1. Copy of the original alleged note accompanied by an AFFIDAVIT from the alleged Lender 2. Identify to what the alleged debt pertains. 3. Provide details how the alleged debt was calculated. 4 . Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ) 5. Provide copies of any papers that show that I agreed to pay the alleged debt. 6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and Servicing Agreement to the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody but the Depositor ( Settler ) can transfer property to the trust. 7. Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ). 8. Provide evidence that you are licensed to collect in my state. 9. Provide your license numbers and the Alleged Lender 's Registered Agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Wickenburg, AZ

Managing an account

Checking or savings account: Checking account

Problem accessing account
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

2017-06-10

Minneapolis, MN

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-10

Sacramento, CA

Identity theft protection or other monitoring services

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

Billing dispute for 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

2017-06-10

Los Angeles, CA

Applying for a mortgage or refinancing an existing 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

2017-06-09

Jupiter, FL

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: On XX/XX/XXXX XXXX XXXX asset management company, XXXX XXXX XXXX, marketed a foreclosed asset for sale. The property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX also known as XXXX XXXX in public record. XXXX XXXX County Florida property control number XXXX. The listing identification is XXXX. The property was being offered in the first 15 days for owner occupants to make offers. All offers were to be submitted with an personally signed affidavit signed by the buyer and buyers representative that the purchaser intends to occupy the property as their primary residence and this is not a second home or an investor property. There is also a place on the Offer Cover Sheet asking if the property is for owner occupant or investor. Attached is the complete set of documents that were required to submit an offer. There were two offers on the property. The winning bidder however is an investor who did not intend on occupying the property but did sign the Owner Occupancy Affidavit. The property closed on XX/XX/XXXX. I was the other bidder and the XXXX XXXX XXXX representing myself in the transaction. Late afternoon on XXXX XXXX XXXX the same property was listed for rental by the Buyer 's agent. The listing identification is XXXX. I contacted the agent who listing the property for sale asked her if the other bidder did sign the Owner Occupancy Affidavit and also to report the property had been listed on the multiple listing service for rent the previous evening. She was just as shocked as I was because she stated she was very clear with the Buyer 's agent that this property is only available to owner occupants and that second home purchasers or investors are not eligible to bid. I then contacted the Buyer 's agent asked if she was the one who sold the property to the owner who now has it listed publicly for rent since the MLS had not been updated yet. She confirmed she was the agent. I asked if he had also signed the Owner Occupancy Affidavit. She then got nervous and stated that he is planning a XXXX Exchange for the property. I reminded her that this property was offered to owner occupants and that investors were disqualified from the bidding process at that point in the process. He signed an Affidavit under penalty of law that it was for owner occupancy and not a second home or investment. The conversation ended until I later received an email from the other agent in which she was forwarding a statement from the buyer that he " always '' intended to move in. ( email also attached ). ( also for a property to be listed on the MLS the listing broker must also have a signed agreement from the owner to list the property ) Further, in conversations I had with a member of the condo association Board of Directors and Property Manager I was informed that this buyer made it very clear to them that he intended the property to be a rental property. In his signed application to the association he checked " For rental to others '' in the Intended Use section. The application gets submitted to the condo associations usually within a few weeks of a bilateral contract - so it was submitted early in the closing process. I called Wells Fargo Fraud department immediately the following Monday morning. I told the Fraud Call Center Representative what happened. All he could do was take a message and forward to the appropriate asset manager. I never received a return call. Wednesday morning I called the Title Agent who closed the file. She did call the property manager and called me back the following day. She told me that she made the asset manager aware of the situation but is uncertain if they will do anything since the title was already sent for recording and because of the effort to investigate the deal and what is required to unwind the transaction. This is blatant fraud. The processes or lack of appropriate processes and oversight of transactions at Wells Fargo allowed this to happen and will continue allowing such fraud to continue unless it is addressed. In the case where there is an association and simply requesting the association submit the signed application to the bank could effortlessly have close this gap. To this date, the condo still sits vacant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-09

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-09

Kingsport, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from 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

2017-06-09

Mebane, NC

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: Store credit card

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-09

Palos Park, IL

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: wells fargo foreclosed on our home broke the bottom door apartment although we were home up stairs we were supposedly working on modification with themthey claimed i never had a court case case # XXXX never had my day in court but did they show up? this should be investiated we sined for PARTIAL PAYMENT PROGRAM WHERE THEY EVER PAID on our behalf from the government? they keep saying what happened as if they are right wheres the investigation? check were sent back because they said it wasnt the full amount of mortgage owed when it was only suppose to be a monthly payment.said we idnt keep in touch i have dates times and names so how can that be. im not giving up on things they said we were working on and then got put out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response