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 843
2017-05-17
Bakersfield, 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
2017-05-17
Willingboro, NJ
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
2017-05-17
MN
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: Wells Fargo Says that i asked them two close my Credit Card I never asked Wells Fargo Two Close my Credit Card. Could Wells Fargo Please not close my Credit Card Wells Fargo Bank workers rob my Bank account then Wells Fargo wreck my credit so i cant get a bank account any where else then as soon as i leave the County Wells Fargo makes my Banking Not Work USA banks rob XXXX dollars of my money all courts say they cant comprehend it i leave the USA Permanently and Wells fargo makes my accounts not work fore no Reason.
Every Time i leave the USA Wells fargo makes my Account not work then says Return two the USA two Close it. Its not fun being a XXXX in XXXX XXXX when my ATM cards never work Please Do n't Close My Credit Card Subject : RE : Re : Account questions or requests ( XXXX ) From : Customer Service XX/XX/2017 XXXX XXXX Contact Us Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX , and it is my pleasure to assist you today.
I understand your concerns regarding your credit card.
Our records show that your current credit card is and will remain active until the last day of the month that appears on the front of the card.
If we can be of further assistance, please respond to this email by clicking on the " Reply '' button or call us anytime at XXXX , or collect at XXXX .
On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today.
Sincerely, XXXX XXXX .
Wells Fargo Online Customer Service NEXT MESSAGE : -- -- -- -- -- -- -- -- - I did not request Two Close my Credit Card please do n't close my Credit -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - From : Customer Service Sent : XX/XX/2017 XXXX XXXX Subject : Re : Account questions or requests ( XXXX ) De ar XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX , and it is my pleasure to assist you today.
I received your request to close your Wells Fargo Credit Card account number ending in XXXX . I apologize if the account did not meet your financial needs. XXXX XXXX , our records show that you currently have a Rewards balance of XXXX
Please be advised that if we close your Wells Fargo Credit Card account, we will not be able to reopen this account at any time.
Also, closure of the account will cause any unredeemed rewards currency earned by this card to be forfeited. To review your rewards account balance or redeem, please log in to GoFarRewards.wf.com or call the Wells Fargo Rewards Service Center at XXXX . Representatives are available to assist you every day from XXXX XXXX to XXXX XXXX , Pacific Time ( excluding major holidays ).
You can redeem in $ XXXX / XXXX point increments at any Wells Fargo ATM or $ XXXX / XXXX point increments by phone or online. You may wish to redeem your balance or transfer the earnings to another Wells Fargo Credit Card prior to closing. You may also gift the balance to a family member or friend who is also a Wells Fargo Customer. After taking one of these actions, you can then request the account closure, or you may simply re-submit your request to have the account closed and your accumulated points forfeited.
To close your account, please respond to this email by clicking the " Reply '' button, and indicate your request.
Additionally, I understand that you would like to remove accounts from your Online Banking service.
To remove an account from your online banking session, please follow the instructions listed below : 1. Click on the " More '' button on the top of the screen 2. Click on " Accounts and Settings '' 3. Click on " Profile and Settings '' 4. Click on " Manage online settings '' 5. Click on " Remove Online Account Access '' 6. Select the account ( s ) you 'd like removed from your online relationship and then click on the " Remove Account ( s ) '' button Ensuring that you have the best possible banking experience is of the utmost importance to us, as you truly are a valued customer.
On behalf of Wells Fargo, thank you for your business. We are happy to have you as our customer and appreciate the opportunity to assist you today.
Sincerely, XXXX XXXX
Wells Fargo Card Services ORIGINAL MESSAGE : -- -- -- -- -- -- -- -- - I Live in XXXX XXXX XXXX and i have no Phone two call you with and i have no Phone two Receive a Call in XXXX XXXX XXXX
The Federal Government has determined me XXXX i do n't use a Phone can i use my computer astive Device two communicate.
Its Probably 1000 Dollars a year fore a International Cell Phone. Or I can Buy a Phone in XXXX and buy 5 New Sims cards fore 5 diff erent Countries a Year. 3 Separate Visits two the XXXX Telephone manager tried two call the 4 International Wells fargo Numbers did n't Work and my Landlord could n't make the 4 Wells far go numbers work I can Spend XXXX dollars fore a Cell Phone that wo n't work two call the bank from XXXX I lived in XXXX XXXX XXXX 6 months and you sent me a New ATM Card two my Moms Address in XXXX so my ATM card was safe in XXXX so you closed my online banking down and closed my credit Card because i did n't receive my ATM Card in 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
2017-05-17
CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: In XXXX 2017 I went to t he Wells Fargo ( WF ) office i n XXXX California to apply for a mortgage to buy a second home and met with loan officer XXXX XXXX . In later correspondence with the loan officer o ver phone and email the attached pre-approval letter was issued on XXXX XXXX 2017. I recently learned from a licensed mortgage professional that the pre-approval letter that WF gav e me was not even close to conforming to XXXX XXXX or XXXX XXXX guidelines. Apparentl y WF mi scalculated my debt-to-income ratio and the 10 % down written on the approval was n't even possible and this kind of loan would require a 15-20 % down payment. I searched for a vacation home and when I found one I ca lled th e WF loan officer on th e phone to run the scenario, I was told by XXXX that it was feasible, and I submitted an offer with XXXX in earnest money ( contract attached ). After the contract was accepted I immediately contacted m y WF lo an officer XXXX on XXXX XXXX and attached the contract to my email. On XXXX XXXX ( email correspondence attached ) I was contacted b y WF and I was requested to submit documents and pay a {$570.00} appraisal fee. I promptly submitted the documents within 24-72 hours as with each request thereafter. On XXXX XXXX I received the attached disclosures and received the attached rate lock agreement on XXXX XXXX . *Please note that the interest rate incrementally increased between with each occurrence of the pre-approval letter, the disclosures, and the rate lock agreement and without known explanation. No one ever discussed the rate increases with me and I cant recall ever receiving any docs clearly explaining why. Soon after I was contacted b y WF Loan Processor XXXX XXXX via email and I was requested to submit documents for underwriting. On Thursday XXXX XXXX ( emails attached ) I was contacted by XXXX regarding a request from the underwrite r. WF st aff questioned the funds that were in my XXXX retirement account. I initially had a balance of roughly 22k wit h XXXX out in a loan to myself. I withdrew an additional {$8500.00} to garner the 10 % down payment for the home. At this point my fidelity account had an outstanding balance of {$12000.00}. XXXX informed me that the underwriter read the statement as saying that I initially had a {$12000.00} balance with a XXXX loan leading to a balance of less than 2k. This was clearly not the case. I still had a XXXX balance that was more than enough for the XXXX of requested reserves ( see attached XXXX statement ). Despite the underwriters misinterpretation, the statement clearly says under the balance of {$12000.00} ( Loans are an asset of your account but are not included in your ending balance or reflected in your asset allocation ). The statement clearly shows that I had the funds that they disputed but it appears that they didnt read it. I assumed that this was simply an oversight and that my prompt explanation would clarify the confusion. The underwriter was also concerned about an extra XXXX in additional summer income from my employer. I provided documentation for this issue as well. <P/> On XXXX XXXX or XXXX XXXX I had not heard back fro m Wells Fargo and I s ent them an email requested a status update. They informed me that the underwriter was still not accepting my interpretation of the XXXX statement. I sent XXXX an email on XXXX XXXX which further explained the correct interpretation of this statement. She contested my explanation but agreed to accept more documentation after a brief phone conversation ( please note that the contested statement as well as follow up statements clearly shows the correct income that any reasonable person should conclude this after viewing and reading the statements ). At this point I became frustrated because it appeared th at WF was summarily rejecting the fact that I truly have the necessary funds for this loan. I later interpreted this as a tact to make it appear that the loan requirements could not possibly be fulfilled by asserting that I did not have the necessary funds. <P/> On XXXX XXXX I contacted XXXX to request another status update. She replied by email on XXXX XXXX stating that the underwriter was still concerned about my residual summer income from my employer. I submitted an additional letter explaining this source of income and resent the memo from my employer stating that I was slated to XXXX XXXX XXXX for XXXX in income and I re-submitted the enrollment forms from my employer showing that my XXXX XXXX assignment still has sufficient enrolment to receive the specified income. On XXXX XXXX I was told nothing about the issue with the assets in my XXXX account. <P/> On XXXX XXXX I con tacted the Wells Fargo staff to requ est an additional status update and I was to ld that the loan process was awaiting a second level review by the underwriters ( see attached emails ). At this point I was concerned that the loan had apparently not moved in weeks and my contract terms were due to expire ( see attached contract ). I was additionally concerned because the appraisal was conducted 10 days prior an d WF was unre sponsive to my and my realtors requests for a copy. I requested a copy on XXXX XXXX and my Realtor requested a copy on XXXX XXXX . A copy of the appraisal was needed to determine if there were any conditions and whether we needed to fix them. I finally received a copy of the appraisal by mail on XXXX XXXX roughl y two weeks after it was conducted. I dont understand why they were unwilling to email me a copy much earlier in the process, which is a common courtesy granted to loan applicants in the industry. I later interpreted this as an unwillingness to proceed with the loan. <P/> At this point in the process I was frustrated that the loan application, which apparently had not moved in weeks and I sent complaint emails on XXXX XXXX and XXXX XXXX . I also left a voicemail w ith Branch Manager XXXX XXXX . The next morning I noticed an email from Wells Fargos lo an tracker system that was received the night before at XXXX on XXXX XXXX , which was the same day that I sent the first complaint email. When I logged into loan tracker I noticed requests for a number of documents. The requests were for up-to-date statements from each of my creditors for unsecured debts. The due dates for the documents were for XXXX XXXX , but I just received the requests in the system at XXXX on XXXX XXXX the same day that I initiated the complaints. I checked loan tracker every day and these document requests were not there until after XXXX on XXXX XXXX . I sent Wells Fargo staff an email voicing my concerns about this ( a ttached ). They did not respond but I did notice that later the same day the due dates for the documents were changed to be XXXX XXXX , thus due the next day. This was simply an unreasonable deadline. <P/> Friday afternoon, XXXX XXXX the branch manager XXXX XXXX responded to my voicemail and called me on the phone to discuss the situation. He told me that both the issue of my residual summer income and the initial misinterpretation of the funds in my XXXX account were still the issues of concern that were delaying my loan process. He mentioned that even without the contested summer income I was possibly close to qualifying for the loans debt-to-income ratio requirement and that there was a possibility of paying off the unsecured credit card debts to meet the requirement. He requested many of the same documents again and he sent me an email so that I could reply with the docs ( attached ). To date I have not heard back from him. Both issues holding this loan up seemed to be unreasonable because based on the information that they had given me, it appeared that these issues could had easily been resolved if WF staff would had proposed the option of paying off debts and if they would had been more willing to cooperate with the issue on the XXXX statement, which they continued to misinterpret. I was under the impression that these issues were not the real problem and that t here may be so me other explanation for the misinterpretations and arbitrary rejections of the facts and explanations that I had presented. This pattern coupled with a failure to keep me updated on the loan status, an apparent lack of will to assist me in meeting the underwriters alleged requirements, and unfair document requests and deadlines alerted me that something was seriously wrong. Until this time I naively assumed that everything was working out due to past replies that they were working on my loan and due to the fact that they never gave me any clear indication that it was not going to work out ( see emails ). <P/> Upon suspecting that something was wrong with this process I contacted a licensed mortgage professional who informed me that given my financial situation that there was no way that I can possibly be approved for a second home loan either currently or at the time of being given pre-approval b y WF, according to XXXX XXXX and XXXX XXXX guidelines. This inability to qualify is mostly due to the down payment requirement but is also due to high debt-to-income ratio. It appears that under new guidelines student loan debt must be calculated differently and counted more heavily against many applicants, thus making it extremely difficult for me to qualify. WF staff never once mentioned this to me. This was a serious red flag because the WF branch manager told me that the process was being held up in underwriting because they need to write these loans stringently so that they can meet guidelines and be sold to an investor. If my loan application was to conform to such guidelines than the criteria that I was told that they were supposedly processing my loan by at the time of pre-approval and throughout the process was apparently erroneous. I suspect that WF staf f must have become aware of this early in the process. <P/> In this pr ocess WF staff h ad unfairly delayed the loan by repeatedly contesting my bank statements when the facts were clear. I provided some doc s 3 an d even 4 times and in several occasions they didnt update me or request documents until I contacted them, which also delayed the process. They contested my income from my employer an d WF kept wearing me down with impossible document requests, which I believe was intended to make it appear that the delays were due to my failure to meet their burden and not their failure to process the loan. All along it appears that I was never even close to meeting standard guidelines for such a loan. More than 30 days have passed since the loan application docs were submitted and I have not received a decision. Furthermore, the interest rates incrementally increased with each document ( pre-approval, disclosures, and rate lock ) without any known explanation as to why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-17
Mission Viejo, CA
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
2017-05-16
Three Bridges, NJ
Problem when making payments
Payday loan, title loan, or personal loan: Personal 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
2017-05-16
Bellevue, TX
Closing an account
Checking or savings account: Checking account
Can't close your account
Complaint: I attempted to close m y Wells Fargo checki ng account on XXXX XXXX , 2017, in writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called Wells Fargo Customer Service on XXXX XXXX , 2017, XXXX CDT to close the account and was told by Representative XXXX XXXX ext XXXX that I would have to go into a Wells Fargo Branch to close the account. I refuse to go into a Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller Manager at th e Wells Fargo Branc h XXXX XXXX XXXX XXXX , TX XXXX . Wells Fargo has also begun charging a $ XXXX monthly fee which I refuse to pay going forward. The fee was assessed on XXXX XXXX , 2017, I initial ly requested this account closed on XXXX XXXX , 2017. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-16
Houston, TX
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: Hello, I am having a problem wi th Wells Fargo Dealer Services ( my car loan ). Around XXXX of 2016 I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my XXXX payment in XXXX parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in XXXX and {$220.00} in XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Delray Beach, FL
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 non-monetary relief
2017-05-16
N San Juan, CA
Closing an account
Checking or savings account: Other banking product or service
Fees charged for closing account
Complaint: On XXXX XXXX , XXXX I entered a grocery store that had an inside Wells Fargo Branch. I closed my WF HSA account, Ref. # XXXX , and received the {$18.00} remaining balance. As of XXXX XXXX , XXXX I do not have an insurance plan that offers an HSA, an d would not be making any further deposits. On XXXX XXXX , XXXX I received an overdraft notice of {$11.00} dated XXXX XXXX , XXXX from XXXX . When I spoke to XXXX XXXX XXXX on XXXX / XXXX / XXXX , XXXX stated that my account had been transferred to XXXX the next day or XXXX XXXX , XXXX . My first question is why would WF t ransfer a closed account to a second bank? My second question is why did it take 7 months to let me know there was an overdraft issue? When I take the next step to complete my complaint, the HSA c hoice is not there to submit the problem to be addressed. Another banking shell game ... '' '' guess '' who is responsible and we 'll let them know they are in error ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Succasunna, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I am totally floored by the information that I just received from an attorney that I met with concerning the newest foreclosure action by Wells Fargo. Wells Fargo modified a mortgage that was discharged in my Chapter XXXX Bankruptcy. XXXX dollars. They are now trying to foreclose on a debt that has already been discharged. so how can they try to get money again that was already written off,. how are they trying to obtain a claim from the title company again for a loan that was discharged in my bankruptcy. Besides predatory lending practices here, and tryng to collect twice on money already written off by the federal government. Never when I spoke to Wells did they ever mention I was modifying on something that no longer existed!!! how can this be! How is it we are still being lied too!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
MA
Opening an account
Checking or savings account: Checking account
Account opened as a result of fraud
Complaint: Received a " welcome '' package from Wells Fargo - here 's your information on your new account, complete with account number, debit card, application with personal data. The info states that by taking any action, including an inquiry, the account is deemed active. Tried calling Wells Fargo about this but they would not speak with us without an account number. We did not give ac count number and they hung up on us. Today, we received the PIN for the debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
San Antonio, TX
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: CFPB, if you do not further review this matter, you will have failed this consumer. I will have no further recourse but to attempt to escalate this issue to a media level. By admission via correspondence, Wells Fargo has acknowledged that they began to withdrawn the increased payments on XXXX XXXX , XXXX when their letter advised that the payment would not be increased until XXXX XXXX , XXXX . Why would their letter to consumers state incorrect and misleading information? Wells Fargo advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments. Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future. By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo is withdrawing additional principal payments on XXXX XXXX , XXXX because I 'm paying XXXX 's payment, then it is not a partial payment. Wells Fargo has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Moapa, NV
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 monetary relief
2017-05-16
Irmo, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all XXXX bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Tucson, 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
2017-05-16
Deland, FL
Applying for a 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
2017-05-16
Thousand Oaks, CA
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-16
Cyr Plt, ME
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-16
San Antonio, TX
Struggling to pay mortgage
Mortgage: FHA mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
VA
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: On XXXX XXXX XXXX , we refinanced a home with XXXX ( d.b.a . Military Family Home Loans ). Because we just today sold the home and pulled out some old paperwork, we reali zed we were never contacted by XXXX after we complained during the closing that we had never obtained a Good Faith Estimate. Thus, when the HUD-1 arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing documents that a GFE had not been received, and that she would speak with the lender about i t. ( The lender als o said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Keyport, WA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX. It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the XXXX XXXX showed XXXX {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account Activity XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the XXXX {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. What happened to the other {$500.00} payment? NO response received regarding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
TN
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Complaint: I applied for a personal loan with Wells Fargo on XXXX XXXX , XXXX . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On XXXX XXXX , XXXX I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On XXXX XXXX , XXXX I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
San Diego, CA
Dealing with your lender or servicer
Student loan: Private student loan
Received bad information about your loan
Complaint: The loan was obtained under false pretenses that if I made 9 monthly payments I would have the option to get the payment lowered. However after making t hat 9th payment Wells Fargo co ntinued to mis-represent their product that they sold me. I was given false representation on this product in order to make a sale. I was told I have no other option other than to get my credit pulled and refinance the loan as a whole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Belville, NC
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