WELLS FARGO COMPANY

2017-04-03

Bellevue, WA

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 non-monetary relief

Disputed: No Timely Response

2017-04-03

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being 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 Untimely Response

2017-04-03

Brooklyn, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.
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

2017-04-03

Valrico, FL

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

2017-04-03

Piermont, NH

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

2017-04-03

Los Angeles, CA

Credit decision / Underwriting

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: Yes Timely Response

2017-04-03

Augusta, GA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: In XX/XX/XXXX, my fiance and I, bought a home in the neighborhood where we had been renting for years. We had XXXX son and I had taken a leave of absence from work to be my mother 's XXXX for my mother who was in XXXX, we could n't bare a XXXX for her. After the 3 or 4 years we cared for her and her condition had worsened to the point that all I was doing was breaking down on a daily basis just to make myself keep her out of a XXXX and home with us. It is a situation that no one should have to witness their most loved parent endure. In XX/XX/XXXX, we had a son born after having to do the most difficult. So, while XXXX I returned to school before I returned to the work place where I was a XXXX, because I wanted to receive my XXXX degree, so to have that also under my belt. XXXX my fiance, working to support everyone. 2 months of finishing my classes, I was XXXX to our child, so I decided to wait, then go back fully refreshed and ready. About 3 weeks home with a new baby, I was very tired and sick, thinking it was all that come with XXXX my baby. I not only contracted a XXXX, I underwent XXXX for the next 6 months, I was diagnosed with the XXXX, XXXX. Then 3 weeks later rushed to the XXXX and was diagnosed also with XXXX, my XXXX was only at an XXXX caused by a XXXX and XXXX to unrepairable, inevitably needing a XXXX at age XXXX. With a son in his XXXX and a new baby, it has taken so many obstacles, to get to where we are right now. Needing a XXXX now to reattach a lead in my XXXX and XXXX, it took me 4 year 's to receive my XXXX. Wells Fargo ask us how long we felt that our hardship would last, we choose 6 months and longer. Well, it did, we had a preservation specialist, named XXXX, worked hard with us as we did with her, but we were struggling, financially emotionally in every way. We could n't complete a few modifications, everyone after XXXX, caused more XXXX, saying they had not received something, I keep everything!!! I was broke I had gotten so XXXX and relationship family and the way we handled things was broken. Our last modification was given to us around XX/XX/XXXX, it was a good one and like always we started making the trial payments but failed after 2, not knowing what to do XXXX had filed bankruptcy again. SSA settled my XXXX in XX/XX/XXXX or XX/XX/XXXX, and we ca n't get anyone to acknowledge our circumstances now. Now that we 've overcome so much and have grown, spritually and needing to get to XXXX University to take care of my XXXX, we ca n't get this last chance Wells Fargo wo n't acknowledge us. Please help us, we just want this last chance to make this good and keep our home. Oh and this home is XXXX of XXXX that is in a flood zone and Wells Fargo keeps raising what limits they want us to hold, but we pay almost {$2000.00} a year in flood insurance. More than our homeowners and property taxes each year. After the icestorm in XX/XX/XXXX, FEMA did n't pay us for damages XXXX did, but our roof still leaks in XXXX rooms where the ceiling is coming down recently.
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

2017-04-03

Milwaukee, WI

Settlement process and costs

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

2017-04-03

Campton Hills, IL

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

2017-04-03

Minneapolis, MN

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 Untimely Response

2017-04-03

Point Arena Air Force Statio, CA

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2017-04-03

Lenzburg, IL

Loan modification,collection,foreclosure

Mortgage: VA mortgage

Complaint: In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.
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

2017-04-03

Anaheim, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I signed up for this website called XXXX. It 's a website that helps young college students, like myself, find a sugar daddy. I signed up in hopes of someone being able to help pay for living, food, gas, rent and anything school related ( books, tuition, etc ). Unfortunately, during my search for a sugar daddy, I came across people who seemed like legitimate sugar daddies, but in the end played me like a fool. They would deposit these checks into my account after giving them my details, a foolish move on my part. I would contemplate giving them my bank details, so I created a new account in hopes of them not robbing me or stealing anything from my personal bank account. In doing so, I gave into the idea of them depositing checks into my account via mobile deposits. After they harrassed me to open an account or to give them my bank details, they finally deposited checks. There were two males, I have messages going back and forth between me and them to discuss these transactions. They had me run errands for them, buy XXXX gift cards and transfer money via XXXX XXXX. For one gentlemen, I have the pictures I took for the XXXX gift cards. The other gentlemen, unfortunately, I do n't have the XXXX gift cards, but I have an email, conversations of these transactions, and info that might be helpful in resolving this issue. There was a third, but his checks were stopped immediately and I never got the chance to run his errands as well. I 've attached documents that show I 've purchased XXXX gift cards, the XXXX XXXX purchase, the conversations we had and their contact information ( or what they gave me ). I did these errands in hopes of them being able to support me for a short period of time. Unfortunately, Wells Fargo returned the checks the gentlemen had deposited into my account thus placing me in crippling debt, overdraft of {$2800.00}. I reported this to Wells Fargo as soon as it popped up, which was around XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, I have been going on a goose chase trying to figure out what is going on and what 's next. The way Wells Fargo handled my situation and my questions were never consistently positive. Some people would be helpful but end up leading me down a dead-end, others gave me attitude and no help in resolving my questions. My frustration with Wells Fargo has put me in a position where I wish to close my accounts, but I ca n't. Wells Fargo has looked into my claim and has denied it, but with no way to request to fight their decision with evidence and proof of my doing with these " errands, '' I am left to pay it all off. Now, I am still enrolled at a four-year university, I have no job and I 'm already in debt for my student loans. I do n't have the money nor the capability to pay off this debt in a timely manner. This situation has placed me in a difficult spot because I will be graduating next Spring and if I have this on my belt I wo n't make it far in life. Already starting my adult life in crippling debt with no room to breathe or pay it off, it is very depressing. I am also looking to study abroad next semester, an opportunity that comes once in a lifetime and it looks as if I can no longer do such a thing. If paying this off means ruining my chance to study abroad, then I see no point in living. I would have to sell organs to pay this off and on time. Is there any way I can fight their decision and win this claim? Help me, please, I beg of you Bureau.
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

2017-04-03

Stuart, FL

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

2017-04-03

Sun, AZ

Using a debit or ATM card

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 monetary relief

Disputed: No Timely Response

2017-04-03

Boerne, TX

Loan servicing, payments, escrow account

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 monetary relief

Disputed: No Timely Response

2017-04-03

Alta Hill, CA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Having problems with customer 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

2017-04-03

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

2017-04-03

Bronx, 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 non-monetary relief

Disputed: No Timely Response

2017-04-03

Gulf Breeze, FL

Problems caused by my funds being low

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 non-monetary relief

Disputed: No Timely Response

2017-04-02

CT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My husband and I sold our house with a short sale on a closing date of XX/XX/XXXX due to extenuating circumstances. The mortgage was held by Wells Fargo and the closing completed by the law firm of XXXX in XXXX, CT. Wells Fargo did not process the closing correctly and I received a negative report on my credit stating that my husband and I were late on mortgage payments for the months of XX/XX/XXXX and XX/XX/XXXX. We did not own the house during these months. I disputed this through Wells Fargo and they denied my claim and put a Compliance Condition Code on my Credit Report. I asked to have this code removed from myself and my husband 's Credit Report. Wells Fargo told me that I could only have the Compliance Code removed if I agreed with them about their findings. I told them I just wanted to the code removed. I was informed by a XXXX that upon removal of the code, my credit number would not be effected. The code was removed and within 1 day my credit score dropped over XXXX points as reported by XXXX on XX/XX/XXXX. Comments were added and changed on my credit report. Now, my husband and I still have the late XX/XX/XXXX and XX/XX/XXXX payments for a house we did not even own and I have a worse credit report than before I filed the dispute.
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

2017-04-02

Charlottesville, VA

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

2017-04-02

Burbank, 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: Yes Timely Response

2017-04-02

Garrett Park, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I received Wells Fargo Credit Card without my consent/request couple of years ago. I have taken this complaint to wells fargo bank location in Maryalnd, but they did not accept the complaint, and I ended up having the card. Now until recently when I read about Wells Fargo fraud complaint I realized that this is about the same incident happened with me and I should report this.
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

2017-04-01

Vancouver, WA

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