WELLS FARGO COMPANY

2017-04-16

Meadows Place, TX

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2017-04-16

IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Complaint again st Wells Fargo bank for fraudulent foreclosure filed with forged documents on behalf of a non-existing legal entity XXXX XXXX XXXX and other fraud. This foreclosure is in indefinite stage, it will never be final s ince Order obtained by Wells Fargo bank was originally void and procured by th eir fraud u pon the Court. Foreclosure case XXXX is going to be proceed with the lower XXXX XXXX XXXX XXXX until Wells Fargo b ank return me possession of the premises and compensate me {$3.00} XXXX for damages On XXXX XXXX , XXXX Wells Fargo b ank filed foreclosure case XXXX acting under glimpse of XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX , a non-existing legal entity, as proven by Securities and Exchange comm ittee. XXXX XXXX who personally deny any involvement in foreclosure cases, see the ir Memo of XXXX XXXX , purportedly obtained interest in my mortgage ( but not the Note ) from XXXX who is NOT a mortgagee for this loan. See documents from XXXX . The transfer was prepare d by Wells Fargo ban k XXXX XXXX XXXX XXXX who impersonated as XXXX ( no a mortgagee ) Assistant Secretary, a position XXXX never held with XXXX . The Assignment was notarized by a well-kno wn Wells Fargo bank robo-signer XXXX XXXX XXXX whose different signature I found on many other Assignments. The Assignment was prepared on XXXX XXXX , XXXX , or more than 4 years after XXXX XXXX XXXX closing day on XXXX XXXX , XXXX , which is a violation of IRS Rule XXXX which prohibits any transfers after 90 days from the Closing Day. XXXX to repea t, Wells Fargo ban k had absolutely no rights to transfer anything on behalf of XXXX to a non-exsitng Trust and purported " Trustee ' XXXX XXXX XXXX '' who in fact never was a Trustee as proved by SEC letters . See atta ched. On XXXX XXXX , XXXX Judge XXXX , a well-connected judge from bankers, lawyers, realtors family, who received substantial amounts of money from Wells Fargo bank XXXX XXXX for her election, acting without jurisdiction entered a void Order in favor o f Wells Fargo b ank, approving the foreclosure filed with forged documents and false statements. I objected and filed for rehearing. While my case was pending in the lower Court, Wells Fargo b ank secretly recorded a Deed on my property on XXXX XXXX , XXXX where their transferred interest to XXXX XXXX who was not a Trustee. On XXXX XXXX , XXXX XXXX Wells Fargo bank most likely sold interest in my mortgage on XXXX XXXX XXXX market, in most fraudulent manner, as illegal US security On XXXX XXXX , XXXX lawyers f or Wells Fargo ba nk for the first time presented a brand-new looking documents which lacked any chain of assignment and looked differently that a document attached to the Complaint . Judge did not review the documents attached to the complaint, refused to provide me a copy of purportedly " originals '' despite I asked three times ; lied to me that th ey are " the same as documents in complaint '' and refused to file it with the Court records. Judge not only defrauded me but also a Higher Court. Justices, who never saw purportedly originals, entered an erroneous decision where they ruled that my foreclosure was filed by XXXX XXXX XXXX XXXX XXXX XXXX , according to " notation '' while my case was filed by Trust XXXX XXXX XXXX and my documents do not have any Notations. Worth to me ntion, at least XXXX Wells Fargo ban k top partners donated substantial amounts of money to at least XXXX judges who handled my case, in other words bribed them for a favorable verdict. Wells Fargo bank sold my property on XXXX XXXX , XXXX and on XXXX XXXX , XXXX sold my morgage on this property to XXXX XXXX XXXX XXXX who demanded payments from me beginning XXXX XXXX , XXXX , without any single document in support . See attached. During 5 years Wells Fargo n ever gave me ANY copy of ANY document in support of their rights to sell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-16

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: this is not the first or even the 30th time I have reported WF but after reading class action suits against the lawyers who filed my foreclosure and in light of the help I sought BEFORE they filed foreclosure I am filing yet another complaint and I ask this to be reassigned. XXXX who issued the XX/XX/XXXX letter has not followed up despite my requests to do so. and I still have no information I am requesting. Also I do need copies of all ALL letters sent toWFHm over the years. This will be to attaich to my motion to dismiss foreclosure I will be fiing since I did not get the required 30 days from XXXX before a complaint was filed to cure the default and I have other concerns. I need to know if my property taxes have been re adjusted despite the loans status since I sent in information to do that from assessor office on XX/XX/XXXX. Also I want an explanation of the XX/XX/XXXX letter about XX/XX/2016 taxes fluctuation. I have requested that of XXXX XXXX subsequent to getting the letter of XX/XX/XXXX but have heard nothing. Also the homeowner specialist I spoke to a few weeks ago was very nasty. please re assign. I am working to get funding from hardest hit program since I appear to qualify. Please know I requested validation of debt BEFORE complaint was filed for foreclosure I got it AFTER the complaint was filed. So I have many concerns over this and will fight it all the way. Again to CFPB I need all letters I have written to WF sent to me requesting help to show the judge. I feel I will get scripts here. but know I have half the money to pay you. you want to sit in foreclosure status. with lawyers who appear sloppy due to high volume. please also ask them as I have to pdf me another copy of foreclosure complaint. I need to know the info I sent in on property taxes has been sent in. and included. also the person in SC I was told to contact in XX/XX/XXXX letter HAS NEVER RESPONDED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-15

Spring Hill, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I secured a home mortgage in XX/XX/XXXX with a mortgage company affiliated with XXXX, which dissolved in XX/XX/XXXX. In XX/XX/XXXX, I stopped paying the mortgage as I did n't know who held my mortgage.In XX/XX/XXXX, XXXX claimed to hold the mortgage and brought a foreclosure suit. On XX/XX/XXXX, a XXXX County Foreclosure Court Judge dismissed the case as being without merit. Now, WELLS FARGO HOME MORTGAGE and its servicing company, AMERICA 'S SERVICING COMPANY, put themselves on all my credit bureau reports as the same mortgage holder for the same XX/XX/XXXX mortgage.I disputed the credit bureau reports in XX/XX/XXXX and those XXXX companies refused to remove themselves from my credit bureau reports. Can you please help me rescue my credit bureau reports as it is ruining my professional career with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-15

MD

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I lost my job and asked my mortgage company for help. They worked out a plan with me and I made all of my payments as agreed. I was told I could reapply for more help once the plan ended. I did everything they asked and they denied me for help. Then, they told me I owe them over XXXX in back payments due in 2 weeks or my house will be in active foreclosure. I was told that during the payment plan, no fees would accrue and when it was done I could try for more help or resume my normal payments. Now, the situation has changed. I want to keep my home but am still unemployed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-15

Georgetown, TX

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-15

Beyersville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: House was scheduled for foreclosure auction XX/XX/XXXX. Does not appear that this happened. I just got a letter in the mail saying that I sent Wells Fargo documents allowing another company, the one that has caused all my problems including this foreclosure, to receive information about my mortgage account. I have never sent any such thing to Wells Fargo. Furthermore they refuse to discuss the account, MY account with me. This is as shady as it gets.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-15

N San Juan, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: To whom this may concern, This is a follow-up to my ongoing reports that Wells Fargo & Company ( " WFC '' ) is violating a number of consumer protection laws. By way of background, WFC alledges I am obligated to pay a debt - but WFC has not provided verification of such debt. At the same time WFC has refused to provide identity theft protection services as promised within the account agreement. After I reported these illegal activities to the CFPB and OCC WFC retaliated by submitting known to be false information to my credit report. This including submitting to credit reports that my address was " Cease Desist XXXX, SD '' ( effectively locking me out of the financial system because banks were unable to conduct an address verification as my credit report would say I lived at a non-existent address ). In addition to submitting false address information, WFC removed all of the previously reported satisfactory payment information from my account and chose only to report the negatives - which is a gross violation of the Fair Credit Reporting Act. Unfortunately, that was not the end. After I reported the retaliation to WFC and the CFPB, WFC updated my credit report and removed the fact that the debt is in dispute. This appears to be an attempt by WFC to remove the fact that I have always disputed this debt in an effort to sell the debt to a third party for a premium. Given such, I am demanding that WFC re-insert the correct information that the debt is in dispute and include that upon my credit report. Furthermore, WFC shall provide all of my disputes and arguments to any party to which is sells the debt to. Notwithstanding the above, I would like to know how the arbitration policy effects disputes if WFC transfers or sells the debts to another party. Will the other party be bound by the same arbitration agreement?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-04-15

Simi Valley, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This complaint is in reference of CFPB Case number : XXXX. The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-15

Phila, PA

Taking out the loan or lease

Consumer 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

Disputed: No Untimely Response

2017-04-15

IL

Credit decision / Underwriting

Mortgage: Other mortgage

Complaint: My wife and I recently closed on a mortgage loan that was approved by, and will be sold to Wells Fargo. The property address is XXXX, in XXXX was originally pre-approved by Wells ( XXXX office ) for an {$800000.00} loan on an single family residence, without considering my wife 's income. However, my broker determined that we would not meet Wells Fargo 's DTI requirements for the mortgage we needed of {$630000.00}. WIth the HOA, the monthly payments were slightly less than the payments on the {$800000.00} loan that we were pre-approved. We were confused how we had been pre-approved. So we applied jointly, and our DTI was well below any applicable DTI thresholds. ( Despite the amount being within XXXX limits, this would be a non-conforming loan because of my alimony situation. ) However, my wife ( XXXX ) is not going to make the move from XXXX to XXXX until several months after me ; she would visit on some weekends. Based on this information, our broker was told that Wells Fargo was going to deny us our mortgage application, simply because we were going to live apart for a few months, until she was going to be able to get her XXXX medical license and a position in XXXX. Finally, when our underwriter was able to get some limited information from Wells underwriting, he was told that it could n't be approved because it would be a first residence for me, and a second residence for her, and Wells does n't have a box to fit that combination in. Finally, we were offered a mortgage if we treated the property as an investment property. We agreed, because, otherwise it put our purchase and initial escrow down payment in jeopardy. Of course, this had implications, such as the need to put down 40 %, instead of 30 %, and increasing the interest rate by over XXXX basis points. Finally, when I was signing the papers for the close of escrow, I was effectively forced to lie ; I signed the form that stated that we were purchasing the property as an investment property, and would not occupy the residence, despite the fact that I am moving into the home within a month of closing. Although our original pre-approval came from Wells Fargo, our dealings were direct with a broker, XXXX/XXXX. However, due to my alimony situation, they were only dealing with Wells Fargo, as they had a non-conforming loan that met our needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Mill Valley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I fell behind my mortgage loan payments. I have been seeking assistance to get back in place and have been given the run around. I ended up hiring an Attorney to help me get back in place and was NOT successful! The Attorney I hired was being given the run around just like me, nothing changed. The Attorney would call Wachovia, then Wells Fargo attempting to modify my loan, or to be given an alternative to avoid foreclosure, but that NEVER happened. I would call the Attorney day in day out and at first all of my calls would be answered and all of my questions would be addressed. However after years the Attorney stopped answering my calls so often, would not return my calls, and at the end the Attorney no longer answered my call what so ever. The Attorney disappeared and the monthly fees, and all the money I paid him disappeared right along with him. I have not been able to get my money back, the bank cut out a check to this Attorney and the bank is not wanting to talk to me, nor work with me to help me stay in our home. I am simply asking for an opportunity at a fair review. Instead I get run around, lied to, taken advantage of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Philatelic Center, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I started the refinance process in the XXXX of XXXX and finalized it in XXXX of XXXX. I wanted to eliminate the mortgage insurance part of my escrow mortgage monthly payment. So I went from a FHA to a conventional fixed mortgage loan. I was very clear throughout the process that I wanted all of the property taxes, insurance, and premium to be accurately reflected in my new refinanced mortgage monthly payment. In XXXX XXXX, I received an escrow refund check and called Wells Fargo Mortgage to see if I could use the check or if I needed to deposit the check back into escrow for any potential escrow shortfall. They said that I could use the check. However, I decided to use most of it but still deposit some of it in my escrow account. No mention was made of any tax shortfall in my new mortgage payment. Then in XXXX XXXX I received a home insurance refund check from XXXX. Again, I called Wells Fargo insurance asking if I could use the check or if I needed to put it back into my escrow. This representative did discover a shortfall in my property taxes. I requested for my case to be further analyzed and expressed my extreme dissatisfaction that the representative I talked to in XXXX did not catch this. I was referred to a mortgage specialist and did not get any kind of reply for over a month after leaving numerous phone messages to this new mortgage specialist. Finally I spoke to the mortgage specialist who informed me that indeed there was an error in the calculation of my property taxes in my new loan. They informed me over the telephone that there was a 50 % shortfall of property taxes in the refinance mortgage. I was in disbelief and again expressed my extreme disappointment. I requested to have my case elevated. The mortgage specialist said that she still needed to collect more information on my case and that I would be referred to their executive resolution department. I got a final letter from Wells Fargo Home Mortgage 's Executive Resolution Specialist dated XXXX XXXX, XXXX, informing me that they did commit the error by only accounting for half of the year 's property taxes. They denied my request that this shortfall be covered by Wells Fargo because the tax liability is the home owners responsibility to pay and that they escrow account is set up to simply ensure the taxes are paid in accordance with my note. I feel like Wells Fargo Home Mortgage misled me into signing a new refinance home loan that appeared less than what it really is. I am sorry but I do not feel like I should be responsible for their mistake as they admitted to it. I feel taken advantaged and powerless against this huge industry. These feelings are made worse given the recent dishonest banking practices by Wells Fargo employees where they made up fictitious bank accounts to earn bonuses. Desired solution : That they become responsible for the error they committed by covering the 50 % shortfall in property taxes they discovered in my new refinanced home loan. They also have to permanently fix the error in my monthly mortgage which seems like there will always be a 50 % shortfall for my property taxes thus changing the mortgage amount I agreed to when signing the final refinance documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-14

Manhattan, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2017-04-14

Hghlnds Ranch, CO

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2017-04-14

Lewiston, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Don't agree with fees charged
Complaint: I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Broadview, IL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Regarding PMI : we paid up front at closing to not have PMI on our mortgage with the understanding that it is cancelled at 80 % LTV ratio. Four years later when we reached 80 % Wells Fargo will start charging PMI until the LTV reaches 78 % or we pay about {$550.00} for a Wells Fargo appraisal to verify loan value has not diminished. Wells Fargo will not accept a property tax statement as proof of house value. Please help to make it allowable for Wells Fargo to accept a property tax statement as home value instead of demanding their service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Atlanta, GA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: On XX/XX/2017. final payment in full note instrument number # XXXX for settlement and closure in the amount of {$6500.00} for Wells Fargo Credit Card MasterCard ending in XXXX was accepted and received via USPS overnight express number XXXX by Wells Fargo att : CFO XXXX CA XXXX. pursuant UCC 3-311 payment satisfied debt in full pursuant UCC 4-302 Wells Fargo had 2 days to return the check if refused. pursuant UCC 3-603 ( b ) ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, However payment has not been applied to the mastercard credit card. I request Wells Fargo to credit my mastercard credit card account ending XXXX for settlement and closure accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Cooper City, FL

Credit determination

Credit card:

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

Disputed: No Untimely Response

2017-04-14

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or 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

Disputed: No Timely Response

2017-04-14

Maricamp, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-14

Canton, OH

Loan servicing, payments, escrow account

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

Disputed: No Timely Response

2017-04-14

New Rochelle, NY

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Complaint: I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Well Fargo Mortgage Company has failed to timely perform our escrow analysis for two or more years consistently thereby, causing our mortgage escrow funds to have a shortage, this year ( XX/XX/2017 ) alone, our escrow shortage amount is {$1600.00}, this escrow analysis was received on Friday, XX/XX/2017, our new increased mortgage payment is scheduled for XX/XX/2017. This incident occurred last year approximately the same time, thereby causing another escrow shortage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response