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 822
2017-06-09
San Francisco, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Shelby, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Palmetto, FL
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
2017-06-09
Charlotte, NC
Confusing or missing disclosures
Money transfer, virtual currency, or money service: Check cashing service
Complaint: BANKS OF NORTH CAROLINA N C General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
MD
Loan payment wasn't credited to your account
Payday loan, title loan, or personal loan: Payday loan
Complaint: i would like to ask my bank wells Fargo to send transactions a little faster to XXXX XXXX because my money will be hold into XXXX see I got pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Barstow, CA
Incorrect information on your report
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
2017-06-09
Torrance, CA
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
2017-06-09
Glendale, CO
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: We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on XX/XX/XXXX they sent me a letter on XX/XX/XXXX stating they do considr the dispute fraud and charged the account back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
NY
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Five years ag o we entere d a Chapter XXXX Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In XXXX ou r Chapter XXXX was official ly discharged. We proc eeded to pursue to refinance with an alternate lender b/c Wells Fargo was a terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected XXXX not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on XXXX . I was informed that I would have the completed review by XXXX and still have n't received the full reconciliation of the payment history. Today XXXX , I called to inquire where this request was and was informed that it would not be done until XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-09
Lexington, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-06-09
San Bernardino, CA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I had a line of credit with Wells Fargo Bank. The account was established in XXXX . In XXXX payments stopped due to divorce. The account was charged off and I was told that they were going to write the amount off as a loss due to the house being upside down . They told me that I would receive a XXXX . I never received a letter stating that they had sold the account or the servicing of the account. I was contacted by a company by the name, XXXX stating that they were working on behalf of Wells Fargo Bank to collect on the debt. I then filed bankruptcy and listed both Wells Fargo Bank an d XXXX XXXX . My ex-husband was living out of state and managing the property. I was living in another location. <P/> In XX/XX/XXXX a company by the name of XXXX XXXX XXXX XXXX stated that they bought the Heloc from XXXX and they attempted to foreclose on the property and did an unlawful detainer. I was never notified of any of these activities. Well, the first loan is with XXXX XXXX and they own XXXX of the property. XXXX XXXX XXXX state that they paid XXXX for the Heloc. Th ey also paid XXXX in mortgage payments after the house was not being rented out and another XXXX in taxes and insurance on the property. They then did renovations exceeding XXXX . The house is only worth XXXX , so there is already a problem. We still have the first loan with XXXX . XXXX XXXX XXXX XXXX paid the mortgage account still being in my name. The same account number and loan contract. Here 's the problem. Wells Fargo Bank claims to have sold the Heloc to XXXX XXXX who had their license revoked and could not do business. The IRS had the secretary of state revoke the license. XXXX is also XXXX and they also had their license revoked and could not buy or sell as well as servicing the loan. <P/> XXXX XXXX XXXX XXXX is linked to these companies under an umbrella. They were playing the shell game. Wells Fargo B ank claims to have sold the Heloc in XX/XX/XXXX to XXXX . This is when their license had been revoked. They could not do business in California or Nevada. My property address is XXXX XXXX XXXX XXXX XXXX XXXX , Ca XXXX . The secretary of state says this was unlawful and for me to contact the DOJ to report it. If the original sell was unlawful than everything after that should be null and void and they should go back and deal with the people that were unable to buy the HELOC from them. I contacted Wells Fargo and told them about this company that had done an UD an d was trying to take my property. I told them that XXXX XXXX had their license revoked and could not to business. I told them that the company went out of business prior to the purchase and has problems with IRS. <P/> I subpoenaed the documents and asked to see the sell documents between Wells Fargo and XXXX . I asked that they provide me with a legal answer as to how it could be lawful to sell the servicing and loan to a company that is unable to do business and had their license revoked. They were unable to answer and stated that it is proprietary information and they do n't have to disclose. I subpoenaed the check from the sell and the names of the people involved in the transaction as well as the sell documents . Wells Fargo state d that it is all proprietary information and even if I had a Notice to Consumer th at they would be unable to give me that information. This seems like fraud and this company, XXXX XXXX XXXX is unable to show that they purchased the HELOC from themselves or their sister company. They also are owned by XXXX , who had their license revoked. The money that they put into the property with only purportedly having interest in the second or junior loan does not make sense. The figures do n't add up. They would take a loss and not to add in that they had legal fees for the illegal unlawful detainer that I was never notified about. <P/> Wells Fargo Bank p rovided me with a two page docum ents stating that they had mailed it to me regarding the sell. The document does not have the Wells Fargo Bank logo and the paragraphs are off centered like it was manufactured. I have copies to share with you.When XXXX XXXX XXXX XXXX purportedly bought the Heloc they did not have a license in California. They did not get their licensing until XX/XX/XXXX under XXXX XXXX XXXX instead of XXXX XXXX , the previous owner, who has his own legal troubles in Nevada and with the IRS. He filed Bankruptcy and did not list my property in the bankruptcy under his assets under the business, XXXX XXXX . He then sells it to his buddy, XXXX XXXX , who takes over the name XXXX XXXX XXXX XXXX . <P/> If a company has had their license revoked and they are unable to service the loan, can a bank still sell a Heloc to peo ple using that company 's name and business license? Am I entitled to a legal answer as to how this is lawful? Am I entitled to verify that a transaction actually took place? I subpoenaed the documents under my divorce case. I have not filed a lawsuit against these people yet. I am still trying to gather the evidence after just recently finding out about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Las Cruces, NM
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
2017-06-09
Folsom, CA
Managing an account
Checking or savings account: Other banking product or service
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
2017-06-09
Dixon, IL
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Ludlow, 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 non-monetary relief
2017-06-09
MO
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO, on XX/XX/XXXX. At the time of purchase, the finance officer, XXXX XXXX, told me that because of my credit score, the bank they were working with would only lend me the money if I took out a {$3000.00} insurance policy to insure my payments. I did not want insurance, but the finance manger told me I could not get the car without it. The total price of the car including all the fees and insurance was {$24000.00} and I gave them a {$7000.00} cashier 's check as a down payment. My monthly car payments are through Wells Fargo Dealer Services for 72 months at {$270.00} a month. I have this taken directly from my checking account each month, and I have never been late on a payment. <P/>I recently found out through my son, who is a XXXX, that the practice of obtaining a loan on the purchase of additional insurance is illegal ( FDIC Law, Part 343 - Consumer Protection is sales of insurance Sec. 343.10 and 343.30 ). I have been trying to contact the car dealership since XX/XX/XXXX, with unsatisfactory results. I have sent numerous emails and made several phone calls and left numerous messages, the latest being XX/XX/XXXX. I have spoken with the finance manager twice, and each time he informed me he would get back with me after he spoke with his general manager. I have not heard back from them. I would like for them to cancel the policy and refund my {$3000.00} plus all the high interest I have been paying on it. <P/>I am providing the dealership information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX General Manager : XXXX XXXX Sales Manager : XXXX XXXX Finance Manager : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Lindsborg, KS
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 non-monetary relief
2017-06-09
NJ
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Complaint: The Wells Fargo XXXX XXXX branch in XXXX XXXX , New Jerse y permitted an unauthorized individual to open an account in lat e XX/XX/XXXX or early XXXX XXXX XXXX . The individu al stole a business check which had been issued by a vendor of the business to the business. That check was used to open the account. The bank never requested any documentation ( resolution or other documentation ) to su bstantiate that the individual had authority to act on behalf of the business. The bank branch employees permitted the individaul to withdraw the entire {$9000.00} sum from the account. The business was deprived of its monies.
Efforts to resolve the matter with Wells Fargo have been fruitless and the attorney 's letter ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-06-09
Galena, OH
Trouble during payment process
Mortgage: VA mortgage
Complaint: I received an new escrow statement at a time where we were changing insurance companies and disputing taxes with the county. In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage. <P/> Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me. <P/> Additionally, they escalated to their management. The manager was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a t Wells Fargo had better change these payments.
<P/>
I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right? <P/> So, this person calls me tonight to again tell me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong. <P/> Wells Fargo did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n XX/XX/XXXX o r XX/XX/XXXX ( give a few days because I pay my mortgage early ). Additionally, Wells Fargo had {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ). Both of these numbers are wrong. Because of the mistake at the auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated. <P/> My taxes are due XX/XX/XXXX and XX/XX/XXXX every y ear, and my insurance is due XX/XX/XXXX every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase. <P/> I would n't be so unhappy i f Wells Fargo was In the ballpark. They are not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Incorrect information on your report
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
2017-06-09
Hinkley, 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
2017-06-09
Lakewood, NJ
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
2017-06-09
Fort Lauderdale, FL
Closing an account
Checking or savings account: Other banking product or service
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 explanation
2017-06-09
Tucson, AZ
Struggling to pay mortgage
Mortgage: VA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Las Vegas, NV
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