WELLS FARGO COMPANY

2017-05-23

Park, VA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Baton Rouge, LA

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
Complaint: XXXX XXXX ,2015- XXXX - I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on my credit 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

2017-05-23

Riverview, FL

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Lk Buena Vis, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Wells fargo has engaged in my account multiple transactional manipulation and excess fee .charges. On XXXX XXXX I checked my account and saw that if was negative XXXX . I promptly made XXXX deposits on XXXX XXXX to cover this. XXXX being a cash deposit of {$50.00} and the other for {$15.00}. At that time my account was drafted again via XXXX . I was assessed with over draft fees even though my account was not negative from the cash deposit. They manipulated transactions and charged over draft fees to put me in the negative in an effort to charge more on top of those.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Carmel, IN

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Alta, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: I paid off the loan and the bank continued to take the money out of my account there fore making me overdraft my account and then they charge me an overdraft fee. This has benn happening for over one year an d I am owe more money for over draft fee than they are will to provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Durham, NC

Unable to get your credit report or credit score

Mortgage: Conventional home mortgage

Complaint: Well Fargo refuse to report to credit agencies payments made to account call number of times get same response for pass 6 months going into 7th month as I file this complaint your mediation will be greatly appreciated
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

2017-05-23

Rehoboth Bch, DE

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on XXXX / XXXX / XXXX . Today XXXX / XXXX / XXXX I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Atl, GA

Written notification about debt

Debt collection: Credit card 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

2017-05-23

Lynn, 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

Timely Response

2017-05-23

Westlake, LA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

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

2017-05-23

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have previously filed a complaint ( XXXX ) agai nst Wells Fargo abo ut attempting to get a modification. After numerous phone calls, filling out paperwork, etc ... I was told that I did n't meet the qualifications for a modification. I did receive a phone call fro m WF in reference to the complaint and informed Investigator XXXX XXXX that I have NOT spoken with the Home Preservation Specialist ( HPS ), XXXX XXXX , since XXXX , but I do receive written correspondence stating that we have spoken, I requested a short sale, etc ... I have NOT spoken with the HPS, nor have I requested a short sale. I did inform the investigator of these facts and I have informed her that I had spoken with a WF supervisor, requesting a new HPS since I believe that she is fraudulently putting in data to the system stating false facts. On XX/XX/XXXX , I received a missed c all ( XXXX ) XXXX from California no message. Today, XX/XX/XXXX , I received another cal l ( XXXX ) XXXX from " XXXX '' who left a message saying that he worked fo r XXXX XXXX an d to give him a call back a t ( XXXX ) XXXX . I recorded the phone call. I looked up the phone number and found that it belonged to a Debt Collector, XXXX XXXX XXXX XXXX XX/XX/XXXX in California. I called and spoke with XXXX and asked how he obtained my information. XXXX informed me that he received my contact info from XXXX . I stated that he left a message stating that he worked f or XXXX XXXX a n d I do not know a XXXX , did n't order any interior photographs of my home, etc ... I then informed him about the various phone numbers from the company calling me and he stated that he got the contact info from the bank. I asked which bank and he sa id XXXX XXXX . I th en requested the contact info for the person at XXXX XXXX to find out who authorized a realtor to schedule an interior photo session of my home and that I would not allow anyone in my home with my XXXX young children. XXXX stated that he would call XXXX XXXX , b ecause they were supposed to call me first to schedule interior photographs of my home. Since I have filed the complaint, I am still receiving letters from WF HPS XXXX XXXX after I requested a new HPS and the letters still state that we have spoken. I did receive a letter dated XXXX XXXX , XXXX stating that there are options to keep the home. 1. Reinstatement 2. Forbearance plan 3. Repayment plan 4. Loan modification 5. S tate program I would like to state that I have never been offered any of these programs from XXXX XXXX prior to the complaint. I was only told that I could not afford the payment any longer and that I did n't qualify for any of the modification programs and that I should speak with my family and explore all options to leave my home via short sale or deed in lieu. Today, XX/XX/XXXX , I received another " Short Sale '' packet in the mail from XXXX XXXX . I have not requested a Short Sale I would like to file this complaint again st Wells Fargo for the continual harassment of sending people to my home to take pictures and disturb my family making them uncomfortable. As I have stated in an e-mail to WF, It is m y belief that they are intentionally trying to foreclose and embarrass us out of our home. I have e-mails and recorded phone calls to corroborate my complaints. Below is a copy of some e-mails : I am not sure if you have been removed as my home preservation specialist or not because I have not received any correspondence fro m Wells Fargo stating so. On Thursday, XXXX XXXX , XXXX , Wells Fargo sent ano ther person to take photographs of my home. I am not sure why you keep sending people to photograph my house, since you have already sent someone to take photographs on Sunday, XXXX XXXX , XXXX scaring my wife and children. In case you do not recall, I have pasted a copy of that email below. Today, Sunday, XXXX XXXX , XXXX , at approximately XXXX XXXX , my daughter came running in the house screaming for me because someone was in our driveway and on our lawn taking pictures. I went outside to see what was going on and asked the man if I could help him. The individual, a white male, driving a truck with Pennsylvania license plates, stated to me that he was taking pictures for my " BANK ''. The other occupant of the vehicle exited and started staring at me, as if he may do something. Who knows? My wife and my other XXXX - ( XXXX ) c hildren, ages XXXX - ( XXXX ) and XXXX - ( XXXX ) w ere in the car with the doors locked because they were afraid to get out of the vehicle. I informed them to stay in the vehicle and went inside to get my phone. When I went back outside, the man and his accomplice were driving away. My wife came into the house andinformed me that she andour XXXX - ( XXXX ) chil dren were pulling into the driveway and a man was in our driveway up to our house and on our lawn taking pictures. My wife informed me that the man did n't care that she pulled into the driveway, he just looked at her and walked onto the lawn and up to the windows and took pictures. My eldest daughter who is XXXX - ( XXXX ) ran into the house when he walked to the street and continued to take pictures. After watching the news and reading the articles about the shady business t hat Wells Fargo ha s and apparently still is in the process of doing, I did n't think that after sending a notice to file an appeal, Wells Fargo w ould go to the extreme of sending someone the next day to take pictures of our house. I believe that there is a Law against disturbing the occupants of a home, I believe that it what the legal procedures are for. I will call my attorney and ask about the disruption and fear that a Wells Fargo e mploye e or contractor put into my family with these actions. This is the second time th at Wells Fargo has sent someone to take photographs of my home disrupting my family. I can only assume th at Wells Fargo is atte mpting to embarrass and shame us out of our home, blatantly taking photos of our house for all to see. If Wells Fargo need s the same photographs over and over again, just ask and I will take them and send them in. Please forward this email to your supervisor. I will follow-up with a phone call to speak with a supervisor to discuss the second Separate e-mail : I was on the phone with a Wells Fargo supervis or when you finally respo nded to one of the twenty- ( 20 ) plus e-mails that I have sent in XXXX . Today, Monday, XXXX XXXX , XXXX I received another letter from you stating that we have spoken. As your attached e-mail states, you have not had a chance to respond back sooner. As I have stated to the WF s upervisor, I believe that it is an intentional act on your part and Wells Fargo to NOT reply back to my e-mails or take any of my phone calls. You do however send the occasional letter stating that we have spoken, when in fact, we have NOT. I believe that you personally are creating fraudulent data and fabricating the information needed to foreclose on my house and you are doing this on the orders of Wells Fargo. In your letter you state that we were unable to reach a mutual agreement regarding the options available to assist me. Again, I did not speak with you and you are sending letters and putting in data/notes into the Wells Fargo s ystem that is not true. YOU arefabricating data stating that you are speaking with me, which I believe is so that you can foreclose on my home withoutproviding me with the opportunity to file a modification for underwriter review. I believe that these acts are intentional, fabricated andshamefulon beha lf of Wells Fargo an d its employees, such as the latest '' PHONY ACCOUNTS SCANDAL '' th at Wells Fargo was f ound guilty of earlier in the year. When I spoke with the supervisor the other day, he had mentioned that I had been approved for a Streamline modification. I informed him that I had not been approved for a Streamline modification and that I did n't know why it was in my notes that I had been approved. I could not remember why or what went wrong with the Streamline at the time of the phone call, but I did tell him that I 'm sure it was in my notes. I did have it in my notes and the Streamline modification was not approved because Wells Fargo was trying to get my wife to sign for a mortgage. My wife has never been on the mortgage, will never be on the mortgage and does not want to be on any mortgage with Wells Fargo. In fact my wife filed a quit claim deed with the county to be removed from the property, which is our primary residence. I did tell the Wells Fargo supervisor that I am aware that all of the conversations are recorded and recommended that the records of incoming and outgoing phone calls to me with you be checked. I only have my cell phone for contact, which shows all incoming and outgoing phone calls, date, time and duration. I also asked for a new modification specialist since you apparently have been very busy in your department and have not had a chance to call any of your customers back or respond to them via e-mail, but you arenot too busy to fabricate fraudulent dataand send letters stating that we have spoken. Or, maybe that is your job at Wells Fargo, to fab ricate fraudulent data and do the data input for the foreclosure department on all of your assigned customers. Thank you for your time and consideration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

Cupertino, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-23

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

2017-05-23

Bitter Lake, WA

Struggling to pay mortgage

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

Timely Response

2017-05-23

Colver, PA

Incorrect information on your report

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

Information is missing that should be on the 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

2017-05-23

Jacksonville, NC

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

2017-05-23

Scottsdale, AZ

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

2017-05-22

Phila, PA

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2017-05-22

Key Biscayne, FL

Other features, terms, or problems

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

Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-22

Foothill Ranch, CA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Dear CFPB : Would you please assist us in stoppi ng Wells Fargo from proceeding with a foreclosure on our home? Our HELO C with Wells Fargo has a very high balance ( $ XXXX ) becau se the cost of living in XXXX County, CA, is very high, and the interest rate and fees on this loan have been very high over the years. The payments have progressively become more difficult to keep up with. We applied for a loan modification i n XX/XX/XXXX , XX/XX/XXXX , and twice in XX/XX/XXXX . In each o f these cases we met the rat ios Wells told us ( significant drop in income, mortgage payments greater than 31 %, etc ). In each year t hey gave us reasons why we did not qualify and the reasons did not seem legitimate ( e.g. we had too many modifications in the past however we had only h ad 1 ). Now in XX/XX/XXXX we are seriously behind in our payments a nd Wells has filed an NOD and moved toward foreclosure. Wells Fargo h as made large sums of money from our loan over the years we have had numerous accounts and the interest in some of these years wa s 7-14 % which surely returned good profits to them on the size of our loan. Yet when we requested loan modifications they said they would work with us and we would likely qualify ; then we would spend months submitting documents and waiting for responses and then they would respond with denials. Our first mortgage with XXXX is in good standing and they gave us a loan modification in XXXX . The ratios they told us were quite similar to ratios tha t Wells tol d us. We finally got frustrated and hired an attorney to sue Wells. We had clear examples of times that they did not follow RESPA and TILA requirements, and we thought they were required to follow the loan modification guidelines that they had told us. The judge ruled in favor of Wells Fargo and told us that the bank is not obligated to approve any loans and can make their own decisions on whether a loan will be approved. This does not seem fair that our government bails out our banks yet when we want to get a loan they are not even required to follow guidelines of the loan modification programs. Wells had hired the highest priced attorney in town that torn apart and demeaned every part of our case. Our attorney stated that the judges in CA are mostly ruling in favor of the banks because the housing mark et is so fragile in CA these days and we can not affo rd to have a mass falling out of home mortgages. We believe that Wells should be required to put in a good faith effort to work with home owners on modifications or refinancing. We have lived in our house and paid our mortgage for 23 years yet we have little or no equity. It is very expensive to raise XXXX kids in XXXX CA and we believe that banks should help people make their homes affordable rather than foreclose on the homes so they can make a profit. We ask th at Wells work with us so that we can keep our family in our home, and we ask that they give us a reasonable interest rate without adding in fees and charges that continue to make our home unaffordable. We also request that our government should not provide funding to banks for these loan modification programs unless the banks are required to follow the guidelines of the programs and use them to help our citizens rather than using them to make profits. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-22

Baldwin Hills, 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

Timely Response

2017-05-22

Saint Louis, MO

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

2017-05-22

Bacots, MS

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

2017-05-22

Ridgeland, WI

Trouble during payment process

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

Timely Response