WELLS FARGO COMPANY

2017-05-03

Marina Del Rey, CA

Managing the loan or lease

Vehicle loan or lease: Loan

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

Untimely Response

2017-05-03

Glen Burnie, MD

Trouble during payment process

Mortgage: FHA mortgage

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

2017-05-03

Gretna, LA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-05-03

Newark, NJ

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

2017-05-03

N Tarrytown, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment 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

2017-05-03

East Rockaway, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I took out a mortgage loan back in XXXX with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In XXXX Wells Fargo started a foreclosure action against me. I tried to do loan modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for XXXX XXXX ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Northbush, NY

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

2017-05-03

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

Timely Response

2017-05-03

Fort Lauderdale, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

TN

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: my vehicle was repossessed b y Wells Fargo dealer services and I made arrangements to redeem the vehicle on XXXX XXXX . On XXXX XXXX I talked someone from Wells Fargo dealer Services and paid the redemption fee they told me the vehicle had already went to XXXX XXXX ( the action ) at XXXX that morning but I could still get the car back within 4 ho urs of paying the fees. The person I spoke to at XXXX XXXX said they did not get the car until Monday XXXX XXXX . I believe Wells Fargo Dealer Services lied to me to collect on the debt, those 3 e xtra days I had to wait means my redemption fee would have been higher. Wells Fargo Dealer Services allowed the reco very company to joy ride my car those 3 days or since the recovery because the key fob that starts the car and other electric components of the car is not working properly. The recovery company have to either hot wire the vehicle or made a very bad attempt to reprogram another key to the car to get it started
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Bel Alton, MD

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: XXXX Through a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX event, I was placed into a Home Assistance Modification Program HAMP trial period payments with Wachovia. XXXX I finalized the trial payments of the HA MP with Wachovia into a permanent loan with a fixed rate. XXXX I made my last full mortgage payment wit h Wells Fargo/Wachovia. XXXX I began to experience financial hardship due to an extended illness ; having exhausted all of my sick leave and annual leave in lieu of sick leave my employer placed me into a Leave Without Pay ( LWOP ) Statu s. I was forced into XXXX XXXX XXXX on XXXX XXXX , XXXX . On XXXX XXXX , XXXX I began to receive reduced source of income from a XXXX pension. I sought home modification assistance and/or forbearance assistance from Wells Fargo, on my own and/or through a Housing Counselor at least three separate tim es from XXXX XXXX , XXXX through XXXX XXXX . Late Winter Early Spring XXXX I received written notice from Home Insurance Company that Wells Fargo had changed the loan number for my XXXX HAMP M odified loan. XXXX Wells Fargo sent me written Notice of Intent to Foreclose . I contested the foreclosure and sought mediation through the Court, citing Wells Fargo dilatory tactics and bad faith co nduct in creating the high delinquency and arrears of my XXXX HAMP lo an. XXXX I filed another application to Wells Fargo for HAMP Mortgage A ssistance XXXX Notice re Application for HAMP Mortgage Assistance XXXX I received written notice of Wells Fargo 's Denial of my XXXX HAMP and NPV Report. Th e NPV does not list values for key financial factors for HAMP consideration and it fraudulently misrepresents a mixture of material information from both my XXXX loan that I modified with Wells Fargo through XXXX in XXXX , as well as my XXXX HAMP modified loan, as a single XXXX loan. XXXX I received Property Valuation Information fro m Wells Fargo pertaining to my XXXX HAMP Mort gage Assistance Application. XXXX Notice Regarding HAMP Application. Around XXXX I filed an oral Appeal of Wells Fargo 's denial of m y XXXX HAMP application. XXXX I received written notice fro m Wells Fargo regarding my oral complaint of its denial of my XXXX HAMP application. XXXX Written Notice from Wells Fargo d ated " XXXX '' the same day of their HAMP denial, received on XXXX , offering Mortgage Assistance in a Wells Fargo L oan Product. XXXX I filed a written appeal of the denial of my XXXX HAMP application utilizing page XXXX of XXXX Appeal Request Form in XXXX Denial of XXXX and written attachment detailing answers to questions XXXX and XXXX of the Appeal Request Form : # 1. Please state which decisions you believe are incorrect and why # 2. Please enclose any additional information you may have, that supports your appeal. XXXX Wells Fargo sent me written notice of receipt of my XXXX written appeal of its denial of my XXXX HAMP application. XXXX I attended Court Ordered Foreclosure Mediation with Wells Fargo thr ough the XXXX XXXX XXXX XXXX XXXX . XXXX Wells Fargo sent me written notice of its decision regarding my oral and written appeal of its denial of my XXXX HAMP application ; the same day as the Foreclosure Mediation XXXX Wells Fargo se nt me a second written notice of its decision regarding my oral and written appeal of its denial of my XXXX HAMP application. XXXX I received written Instructions for Final Loan Agreement int o Wells Fargo Modification Product with varia ble interest rates. Once again, fraudulently misrepresenting a mixture of material information from both my XXXX loan that I modified with Wells Fargo through XXXX in XXXX , as well as my XXXX HAMP modified loan, as a single XXXX 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

2017-05-03

Liverpool, TX

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I went to close a safe deposit box a t Wells Fargo in 2013. I physically went to Wells Fargo location on XXXX XXXX in XXXX , Tx to close it again and pay the rekey fee which was {$120.00}. Now 4 years later I received a certified letter on XXXX XXXX stating that I owe {$400.00} as well as {$120.00} rekey fee. I visited the location a second time as tried to pay the {$120.00} rekey fee to close it out but not the {$400.00} accumulation charge because I already tried to close it out i n 2013 and they were aware of this. This is a deceptive practice for Wells Fargo to hold the box 4 years to purposely accumulate more charges as i have been stated and attempted two time s to close out this box. Post offices as well as other local banks and companies close out boxes if they are not renewed in an alotted time period and the box ower is charged a rekeying fee. This was not the case wit h Wells Fargo as there was a lack of communication on their behalf to notify me until 4 years later that I received and continue to receive this absurd {$400.00} charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Bexley, OH

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
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

2017-05-03

Southern Pnes, NC

Attempts to collect debt not owed

Debt collection: Auto debt

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

Timely Response

2017-05-03

Livingston, 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

Timely Response

2017-05-03

Sarasota, FL

Getting a credit card

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

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

Timely Response

2017-05-03

Versailles, KY

Closing your account

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

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

Untimely Response

2017-05-03

Aurora, UT

Fees or interest

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

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Orange Park, FL

Closing your account

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

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

Timely Response

2017-05-03

Bedford, TX

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Complaint: Spouse fails to meet deadlines for refi Spouse fails to meet deadlines for assumption Spouse fails to pay home, stopping payment during assumption putting loan into modification I completed modification Requires spouse to sign to " official complete " modification for deliqunency to be removed so I can assume loan Spouse refuses to sign loan modification I have live in home entire time over 7 years Spouse moved out XXXX / XXXX / XXXX I paid all bills Spouse causing harm I provide safety, security provide shelter to alll XXXX children and XXXX child has XXXX XXXX XXXX , renovated home and purchase and a air condition system specifics for XXXX XXXX XXXX control humidity to prevent XXXX illness from worsening The fair right act Causing harm to family
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Wells Fargo Reprocessed my Vehicle when I made payments. Wells Fargo applied my payments incorrectly on my account. Wells Fargo calculated wrong amounts due on the loan. Wells Fargo wrongfully took my Vehicle Wells Fargo Reported I made 24 payments on XXXX XXXX XXXX ( I NCORRECT ) Wells Fargo Stated I was Late starting XXXX XXXX ( INCORRECT ) Wells Fargo Charged XXXX late fee when my contract says XXXX XX/XXXX Wells Fargo Billed me for Late Fees that show incorrect amounts Wells Fargo REPOED my car when I was current on my payments. Wells Fargo Representa tive stated I did not owe over the phone and stated they applied my payments wrong. They deney this and failed to pull the call that took place. I prepaid my Wells Fargo a ccount all payments 6 months-12 months Early I prepaid my Accout XXXX and Still stole my vehicle Fraudulently Wells Fargo is reporting an incorrect balance and payment history. I prepaid my Account my payment was not due until XXXX XXXX , XXXX Wells Fargo Reported My account Late 120 Days Fraudulently Wells Fargo T ook My vehicle Fraudulently Wells Fargo sold my Vehicle XXXX under Blue Book Value of the Vehicle which is XXXX Wells Fargo Sold Vehicle for XXXX at Auction Fraudulently Report Wells Fargo Reported Fraudulently Charge Off as of XXXX XXXX to XXXX XXXX Wells Fargo Report Fraudulently : 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX Wells Fargo Charged XXXX added my extended Warranty to my loan when I canceled it. Wells Fargo charged off XXXX when they stated my past due amount is only XXXX Status : Account charged off. {$5300.00} written off. {$4700.00} past due as of XXXX XXXX . Status Details : This account is scheduled to continue on record until XXXX XXXX . This item remained unchanged from our processing of your dispute in XXXX XXXX . Wells Fargo States my account balance is XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / Unknown / Unknown ( FRAUDENTELY REPORTED NUMBERS ) VEHICLE PURCHASE INFORMATION : Purchased XXXX / XXXX / XXXX Purchase Price {$31000.00} Total Tax Charged XXXX Extended Warranty : XXXX TOTAL : XXXX FIRST PAYMENT DUE XXXX XXXX , XXXX {$600.00} Late payments XXXX or 8 % of payment whichever is late ALL PAYMENTS MADE EARLY : 1. PAYMENT {$600.00} 2. PAYMENT {$1800.00} 3. PAYMENT {$1800.00} 4. PAYMENT {$610.00} 5. PAYMENT {$1800.00} 6. PAYMENT {$1800.00} 7. PAYMENT {$1700.00} 8. P AYMENT {$1700.00} TOTAL : XXXX Wells Fargo missed Payment of XXXX Total Paid : {$13000.00} Wells Fargo REPOED my car when I was current on my payments. NUMBERS REPORTED THE EXPERIAN : Account History : Charge Off as of XXXX XXXX to XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX , XXXX XXXX Balance History - The following data will appear in the following format : account balance / date payment received / scheduled payment amount / actual amount paid XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$4700.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$5300.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / Unknown / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$27000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown XXXX XXXX : {$30000.00} / XXXX XXXX , XXXX / {$600.00} / Unknown Limit High Balance History : The original amount of this account was {$37000.00} spoke to the office of the president regarding the missing paymen t. Wells Fargo s aid they would not auction off my car due to the dispute and payment issues on the account. The had already auctioned off my car. Letter written to the office of the president of Wells Fargo : Case number : XXXX Att : XXXX Office of the President Loan # XXXX Please reference the payment on XXXXX for {$1800.00} that took place after the payment of {$610.00}. I was not expecting to make a payment until XXXX XXXX . As you can see I have prepaid my Loan since the beginning and always early on my payments. Also two reps from Wells Fargo told me my Payment was not due until XXXX . Thanks, Wells Fargo was sending my statements to a Fraudulent Address in 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

2017-05-03

Los Angeles, 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

Timely Response

2017-05-02

Prior Lake, MN

Improper use of your report

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

Reporting company used your report improperly
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

2017-05-02

Dallas, TX

Communication tactics

Debt collection: Auto debt

Used obscene, profane, or other abusive language
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-02

Kendall, FL

Closing on a 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