WELLS FARGO COMPANY

2017-04-07

Glendale, CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Untimely Response

2017-04-07

Georgetown, SC

Managing 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 non-monetary relief

Disputed: No Timely Response

2017-04-06

Goshen, NY

Managing the loan or lease

Consumer Loan: Vehicle 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

2017-04-06

Edison, NJ

Unsolicited issuance of credit card

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 Timely Response

2017-04-06

City Industry, CA

Deposits and withdrawals

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

2017-04-06

Friendship, ME

Loan modification,collection,foreclosure

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

2017-04-06

Lawton, NV

Deposits and withdrawals

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

Disputed: No Timely Response

2017-04-06

Santa Ana, CA

Loan modification,collection,foreclosure

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

2017-04-06

Wrentham, MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed 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

2017-04-06

Flowerfield, IL

Closing/Cancelling account

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 Timely Response

2017-04-06

Atl, GA

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

2017-04-06

Pacific City, OR

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in 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

2017-04-06

Las Vegas, NV

Rewards

Credit card:

Complaint: XX/XX/2017 Called Wells Fargo credit card company spoke to XXXX, I asked about the interest I was being charged on my account he told me the % amount. I asked for the dollar amount, he did not answer. I told him I want to close my account, he stated well I guess you do not want your XXXX rewards points, I said yes I do, how can I apply that to my account pay off. He stated " to late I already closed your account ''. I asked to speak to supervisor, I started cursing and XXXX said your account is closed and hung up. I called back, I spoke to XXXX ; customer care services, I asked him about my rewards points being applied to my account. XXXX said it takes 2 to 3 days to process the last payment I made and close the account, he ask me why I was closing my account. I told him, the several times I called in XX/XX/XXXX, to ask the amount I need to pay to not pay interest, I was told a different amount each time, which I paid and not told what amount of interest I was being charged.Then he said that my account was already closed, 2 days ago and no way of knowing how many reward points I had. I told him XXXX rewards points, I told him I did not call their company 2 days ago,. XXXX stated that he did not know why the closing of my account was back dated to 2 days ago. I said a cuss word, XXXX said he would have to hang up if the obsinities continue, I told him I did not close my account 2 days ago. XXXX said he was not able to do anything, and hung up.
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

2017-04-06

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX I cosigned a loan from Wells Fargo for my wife 's college tuition. I was XXXX XXXX military and was given the 5.9 % rate guaranteed under the Soldiers and Sailors relief act. While on XXXX to XXXX, Wells Fargo put the interest rate at nearly 10 % without notifying my wife or I. The loan was on automatic payment and I only noticed the change while attempting to pay off the loan in XXXX. Wells Fargo has received full payment of the loan and I believe, wrongfully collected interest on 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

2017-04-06

Los Indios, TX

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was paid
Complaint: Wells Fargo Auto finance Direct received and insurance settlement from XXXX XXXX and took possession of a vehicle I had financed through WFF. WFF has reported a sum of {$7200.00} as charge off for the past several years, after receiving a settlement from my insurance and re-sale of the vehicle. WFF is now retaliating by putting the account back up for collection, because I have been disputing the charge off status. WFF is effecting me financial with their harassment, because I ca n't finance a vehicle for an affordable interest rate.
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

2017-04-06

Tampa, FL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: My Chapter XXXX bankruptcy was discharged and my mortgage account was closed. However, I did not pay late and I have been paying it on time. Wells Fargo has not update my account even though they sent me a notification on XX/XX/2016 that a change will be made. I am just asking to report my payments. Thanks
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

2017-04-06

Arco, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX I filed a Chapter XXXX bankruptcy and the court created a payment plan for me to pay the court and Wells Fargo a specific amounts of money on a monthly basis until my debt was pay off in 4 years. I follow the courts orders and paid off my debt to the court and Wells Fargo ; there were no other creditors. Once I fulfilled my debt obligations, the case was discharged on XX/XX/XXXX. A couple of months prior to my discharge the court sent me an over payment check in the amount of {$79.00} and Wells Fargo sent me a {$700.00} check for over payment. However, after my case was discharged Wells Fargo continued to send me bills ; some that stated that I do n't owe anything and others that shows different amounts that Wells Fargo claims that I still owe them even though the debt was discharged. At the end of XXXX I received 3 more letters ; 1 that discussed a " Lien Release '' stating that Wells Fargo will file a XXXX, and another statement stating that Wells Fargo still owes me an additional {$570.00} and another that stated that I owe Wells Fargo {$7800.00}. On XX/XX/XXXX I called Wells Fargo and spoke to the Bankruptcy department. I ask them why they were still sending me bills after my case was discharged, I was told that they did n't know that the case had been discharged and they will work on getting their error corrected. However, instead of correcting their error as promised, Wells Fargo file documents with the County-Recorder to have my name removed from my property at XXXX XXXX, XXXX XXXX, CA XXXX, changed to my deceased son 's name ; I received a letter from County-Recorder 's office in the mail on XX/XX/XXXX. I would like for Wells Fargo to acknowledge that I do not owe them anymore money and to abide by the court order and stop sending me bills and statements asking me for more money, since I have already paid off the loan and the case was discharged on XX/XX/XXXX. In addition, send me any other money that they owes me and close any case that they have open in regards to my home at XXXX XXXX XXXX, XXXX XXXX CA 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

2017-04-06

Cambridge, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have had a mortgage with Wells Fargo since XXXX. Paid timely with no problems. I own stock in XXXX which I tried to sell and have been continuously trying to sell for the past two years without success. The agent for XXXX is Wells Fargo XXXX. After a daughter requested the forms from WFSS to sell the stock since it was purchased under the UGMA and she was turned down saying her mother was the only one who could request the forms and sell the stock. I requested the forms, received them via email, filled them out including a Medallion Certificate properly filled in by a bank. I sent the forms to WFSS via overnight mail - that was XX/XX/XXXX. Hearing nothing from WFSS for over two weeks I called. They could not find the forms and kept me on the telephone for 45 minutes as they tried to locate the forms I sent to them. They finally found something which said the forms were returned to me because they were not complete. Several days later I received the returned forms. I called WFSS to ask what was wrong - they said pages were missing. I asked for emailed forms to fill out What they sent was identical to the first forms they sent and all were filled out properly. Having been a stock broker years ago I had some knowledge of these forms. I sent them back to WFSS. Because I was selling the stock because I needed the money by refusing to sell the stock Wells Fargo put my mortgage to them in jeopardy and I have had to pay {$250.00} as a late fee for several months now. In spite of many calls and filing with other agencies nothing has happened. I filed with the SEC against Wells Fargo. They lied to the SEC saying I needed to fill out the Medallion form and had not done that. They received the Medallion form from me filled in by a bank. I filed against them with the Massachusetts Attorney Generals Office and FINRA. To both of these groups Wells Fargo lied about the reason they did not sell the stock. In the meantime, they continued to collect the $ 254/month late fee because of the bad situation they put me in. They had a mortgage person investigate this after I complained to them - they sent me a letter giving me the name of the mortgage person and telling me she was going to investigate. After months, she called to say she could not investigate because it was against bank policy for a mortgage person to investigate WFSS. I received a letter from a Wells Fargo attorney saying the same thing. Those letters and contacts contradicted the letter I received from them saying this mortgage employee was asked to investigate this by Wells Fargo. That has been the kind of thing happening with the attempted sale of this stock. I called XXXX and they said they had no say in this and no control over it because WFSS was their agent and it was in their hands. I have a complaint code XXXX gave me when I called to make the complaint. They simply called back and gave me this investigation code and then did nothing claiming their hands were tied. Hope you can help.
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

2017-04-06

Katy, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Our issue has to do with the impartiality of Wells Fargo lack of Home Appraisals dispute process in their Home Refinance package. We as customers are totally removed from this process and ultimately we 're charged a high fee.
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

2017-04-06

IA

Billing disputes

Credit card:

Complaint: I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?
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

2017-04-06

Arco, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX, I went to my bank ( Wells Fargo ) to withdraw money. I completed a withdraw form and then I was told by my cashier named XXXX I could not get the money because that amount was on hold, she then called the manager and the manager said come back next week because the check that I had deposited earlier was on hold. I went back to the bank on XXXX to withdraw the amount that should already be available and so I withdrew the {$5000.00}. At this time I found out that there was another {$5000.00} that was withdrawn previously. So I questioned how and what and was told that it was withdrawn on XXXX. I explained to the employee that I was not able to withdraw on that day because there was a hold and even the manager said I can not get that amount and for me to come next week. After that day I kept calling the bank and reporting my funds missing. The investigation was denied and I requested the surveillance. I went to the bank and watched the camera video and that video just showed that i gave the deposit slip to the cashier but no money exchange was shown in there. After that I kept calling and trying to get another investigation but everything was denied so I decided to take them to small claims court. On XXXX at XXXX, held at the Superior Court of California was my case. It was me against Wells Fargo. I explained everything to the judge and then the Wells Fargo attorney played the surveillance video showing that on XX/XX/XXXX the cashier is handing me the money. I was then shocked because there is no way that video is accurate. I never got any funds on that day. Then I told the judge that this video is sabotaged and it must have been switched to when i did actually get money on XX/XX/XXXX. The video looked odd itself. The video does not even show the manager speaking with me on that day. It seemed that it was either sabotaged or switched pictured at the handling of money. I did not know what to do or say. I told them to put those two dated videos on XX/XX/XXXX and XX/XX/XXXX together, and that why they are only showing that one day. I told the judge it was impossible and he said he will do further investigation. A few days later I received a letter in the mail stating that i lost the case. I am deeply upset and XXXX out from this situation. I have been accused of taking my own money when i did n't. I trusted Wells Fargo with my money and this is what happened. I did not know what else to do so I decided to write to CFPB. Hopefully I can get some help from you. Hopefully someone can get a hold of the video surveillance on those two days and compare and also other videos around the bank that can be added together for some proof. I believe that someone either stole my money and tried to cover up by sabotaging the videos or it was an error done by the cashier but was also covered up. Please help any way you can. Its not a few dollars its {$5000.00} missing from my life. Thank you.
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

2017-04-06

OH

Settlement process and costs

Mortgage: FHA mortgage

Complaint: Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2017-04-06

Atl, GA

Deposits and withdrawals

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 monetary relief

Disputed: No Timely Response

2017-04-06

Saint Petersburg, FL

Deposits and withdrawals

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

2017-04-06

Phoenix, AZ

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