WELLS FARGO COMPANY

2017-04-05

Rock Springs, WI

Account opening, closing, or management

Bank account or service: Savings 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

2017-04-05

Charlotte, NC

Deposits and withdrawals

Bank account or service: Savings 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

2017-04-05

Dublin, OH

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: Yes Timely Response

2017-04-05

Leander, TX

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

2017-04-04

Houston, AK

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

2017-04-04

Rockledge, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2017-04-04

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

2017-04-04

Las Vegas, NV

Other

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: Yes Timely Response

2017-04-04

Lacey Township, NJ

Loan modification,collection,foreclosure

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

2017-04-04

Payson, AZ

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

2017-04-04

Fort Worth, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Hi! Can you please help my family and me? We are now residents of XXXX, XXXX. We had a house in XXXX that we bought on XX/XX/XXXX for {$98000.00}. It was taking 50 percent of our income to pay the monthly mortgage payment. We refinanced with Wells Fargo Home Mortgage about a year and a half later to get a lower monthly payment. We had paid the balance down to {$93000.00}. However, after refinancing with Wells Fargo, they added on fees and things, and the balance went up to {$100000.00}. A couple of years ago, we lost our business due to financial hard times - we XXXX, and our students ' parents said they could no longer afford classes because financial difficulties they were having themselves. We received federal assistance to make our mortgage payments for two and one-half years. We got the first year 's assistance with no strings attached. We got more assistance on the condition that I go back to college and get another degree. I earned a XXXX degree in eleven months, but still could n't get a job with it, and now I owe {$33000.00} in federal students loans - but at least they 've been deferred for a while. There is a clause in the federal mortgage assistance agreement that if we moved out of the house before five years had passed, that we had to pay them back what they had paid on our mortgage. We still were n't making enough money, and I moved my family to XXXX hoping to find better jobs. Recently, Wells Fargo agreed to work with us to do a short sale. We got a realtor. The house was appraised at only {$60000.00}. We still owed {$87000.00}. We had a buyer, who offered {$50000.00}. Wells Fargo hired an attorney in XXXX, XXXX to begin foreclosure proceedings. The attorney sent me a letter saying that they were going to foreclose unless I wrote them saying that we planned on doing a short sale. I did write them back saying that we intended to do a short sale. I accepted the short sale offer of {$50000.00} that the buyer make. I hear that Wells Fargo went ahead and foreclosed and sold the house at auction yesterday. I think that Wells Fargo is breaking the law. I want them sued by the government, and I want for them to pay us {$200000.00} for the trouble they have caused my family and 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

2017-04-04

Sylvania Township, OH

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Wells Fargo switched around their monthly statements to exclude activity I do every month ( XXXX debit transactions ) on the same day and then charged me a service fee. They are refusing to refund me the {$10.00}. I suspect this is widespread. They purposefully make statements on odd dates that do not coincide with calendar months and change the statement time periods to trick consumers.
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 Untimely Response

2017-04-04

PA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: During the refinance process in switching from Wells Fargo to XXXX the lien release was not properly submitted or recorded by XXXX County, PA. We are just now finding out that the satisfaction from Wells Fargo for their mortgage in the amount of {$160000.00} consummated in XX/XX/2004 ( and that is the satisfaction that is missing from the Pennsylvania database ) was never completed. I am trying to re-finance my house through XXXX and am unable to do so as their is a lien on the property. I have never received any sort of documentation over the past 13 years regarding this loan and as anyone would, I assumed that Wells Fargo completed all of the required documents. Additionally, I am a little surprised that the the XX/XX/2004 mortgage was recorded ( generally the lien placement would be rejected based on there already being a recorded lien on the property. That said, the proceeds from the XXXX company transaction must have arrived to Wells Fargo, the lien was just not properly released ( otherwise you would have heard about this way before now ).
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

2017-04-04

West Brandywine, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I closed a loan in XX/XX/XXXX, after nearly 6 months of trying. At one point in the process, they declined me, claiming I had n't provided what they wanted. When I was able to prove I had provided every single thing, normally within a day of the request, they re-opened. Then, late in the process, they required XXXX in additional flood insurance, notwithstanding that the association has $ XXXX in coverage. While I thought it was entirely inappropriate to announce this so late in the process, I paid about {$750.00} just to get the stupid loan closed. On XX/XX/XXXX, they informed me my flood insurance expired. This has been routine every year ( prior to refinance ) so I called and got the new master, and provided it to them. Since I continued to receive reminders, I called and spoke to XXXX on XX/XX/XXXX. She listened, explained that their note indicated the supplemental insurance is what was lacking. I explained that, since I had just obtained the coverage in XX/XX/XXXX, that policy had not expired. She confirmed that 's what she saw on her end and promised to call back. When she did n't, I called them again on XX/XX/XXXX and this time spoke to XXXX. After describing the incident to her, she indicated that not only did she think I did n't need to do anything further, but that I did n't need the original supplemental coverage and could cancel it. I set out to do that, but was told by the insurer I could not cancel. Following that date, I continued to be notified by Wells my insurance " had expired. '' I called again on XX/XX/XXXX and spoke to XXXX, who I understood to say I needed to add another {$57000.00} in coverage but that she would get a " resolution specialist '' to call me in 3-5 business days. When no call was received, I phoned on XX/XX/XXXX and this time reached XXXX, who confirmed the prior story that there was a gap in the master policy. I insisted on escalating and this time reached XXXX, who indicated her belief the coverage was sufficient, but that the system said a {$5500.00} gap existed in flood coverage. She indicated that she would get with her supervisor to see if it could be removed, and that she would call back on Thursday. XXXX did call back, but called from a number that identified itself as " XXXX, '' rather than " Wells Fargo '' or an actual number I would recognize, nor did she leave a return number. We finally caught up on XX/XX/XXXX at which time she described to me what she understand the basis of the gap in flood insurance. Although she was polite, the explanation was not very understandable. I indicated to her that I would need to file a regulatory complaint over the coming weekend if this was n't resolved, and ask her to speak with her supervisors to see if they could waive the requirement, given that they apparently could have identified this issue at closing, at which point I would have abandoned the refi, and given all of the confusion and hassle. Her supervisor, whose name I did not capture, called back on XX/XX/XXXX. She explained that the master policy flood insurance, divided by the number of units ( XXXX ), fell {$5500.00} short of the required amount. I expressed my opinion that she is using the wrong number from the master. She did agree that the coverage amounts had n't changed since closing, and that she did n't know why that requirement was not present then. I asked again that they waive the requirement. She promised to call back. As of today, XX/XX/XXXX, I have not received that call. Yesterday, I received yet another letter. Instead of explaining any of the above, it simply says my insurance has " expired '' and they will be placing an expensive option. This is simply not true - no insurance is expired.
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

2017-04-04

Palos Park, IL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I took out a FHA mortgage loan FHA case No. XXXX XXXX was servicing the loan.My frustration with trying to get Wells Fargo Bank to honor this Consent Order agreement with your office. I am writing this letter because I have fought and fought to save my home and to keep from being homeless. Wells Fargo Bank and its attorneys have refused to offer me an affordable modification under HAMP, nor have they inquired as to my financial, qualifications so that I may stay in my home with my family. In XX/XX/XXXX I relied on 12 USC 95 a ( 2 ) to transfer my interest in the mortgage and note. The state court has ignored my pleas in Illinois XXXX court case XXXX.The multiple assignments, not allowing the provisions in the agreement under the regulation HUD which limits the rights in case of payment default. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth less and/or the Banks failed to comply with Title XXXX Part XXXX " Subpart C- Servicing Responsibilities '', including, but not limited to XXXX, XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX and 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

2017-04-04

Juniper Hills, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: To whom is my concern? I had a loan with high interest from Wells Fargo because I was single out because my heritage. On XX/XX/XXXX I refinance my loan with Wells Fargo. Wells Fargo closed the account and sent XXXX $ credit to me to XXXX XXXX XXXX , XXXX. And XXXX $ for the new home owner insurance send to my address by error. I return the money to XXXX XXXX XXXX , XXXX. On page XXXX are my copies You can see the credit, the insurance and the taxes The money for the insurance was cover ( credit ) XXXX + XXXX ( my check ) You can see page XXXX. On XX/XX/XXXX I sign escrow On XX/XX/XXXX Wells Fargo go ahead of XXXX XXXX XXXX and pay XXXX XXXX XXXX XXXX $ Knowing the date of disbursing is XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX , XXXX send a check to Pay XXXX XXXX XXXX .same day Wells Fargo send a letter for the amount XXXX $ to be pay. On XX/XX/XXXX XXXX return the XXXX $ to XXXX XXXX XXXX with a letter saying was pay in full. XXXX XXXX XXXX start the process to return the money to Wells Fargo for the amount XXXX . And on XX/XX/XXXX XXXX $ was return from XXXX to wells Fargo. 15 months later, Wells Fargo are charging me XXXX $ a months to cover XXXX $ for the payment to XXXX on XX/XX/XXXX ignoring they already had the money from XXXX XXXX XXXX on XX/XX/XXXX. On page XXXX you can see how my escrow should be Compare to Wells Fargo do n't look the same they start taking money from Escrow to repay advance on XX/XX/XXXX. Please Help me I think I been single out again I try 5 times on the phone because is impossible to see a rep in the Wells Fargo branch to show them the proof. XXXX XXXX XXXX try to get in touch with Wells Fargo and told me they were very rude. Thank You for your help. XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Ca. XXXX XXXXXXXXXXXX
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

2017-04-04

Alta, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at 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

2017-04-04

San Carlos, 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

2017-04-04

Chapel Hill, NC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

2017-04-04

Mboro, TN

Loan modification,collection,foreclosure

Mortgage: VA mortgage

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

Disputed: No Timely Response

2017-04-04

Bryn Mawr, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.
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

2017-04-04

N Hollywood, CA

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 Timely Response

2017-04-04

Miami, FL

Identity theft / Fraud / Embezzlement

Credit card:

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

2017-04-04

Cleveland, OH

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 non-monetary relief

Disputed: No Timely Response

2017-04-04

Botts, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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