WELLS FARGO COMPANY

2017-04-01

Worcester, MA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Wells Fargo sold my mortgage to XXXX I was a little behind on my mortgage and they wanted me to sign for extended years to XX/XX/XXXX I bought my house in XX/XX/XXXX thats a fifty one year mortgage. And i did not sign any papers so they sold it to XXXX saying i was in Bankruptcy. My wife filed for bankruptcy in XX/XX/XXXX and it was nothing to do with Wells Fargo so how can they say and do this 4 years later and exspecially when it had nothing to do with Wells Fargo. So Wells Fargo is having XXXX as a third party that I pay XXXX more a month than I did before.
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

Carver, MA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Hello, Let me say- I have written XXXX XXXX XXXX President Obama , XXXX XXXX , XXXX XXXX early on, Nobody believed me! My name is XXXX, I am a mother who had her home stolen and foreclosed on back in XX/XX/XXXX. It began in XX/XX/XXXX and I am writing to tell you some of what happened to me. My last hope was the '' foreclosure review '' That was cancelled. I was devastated again! I was never notified of any part of my home being foreclosed on. No calls, none of the stories you hear of people in their homes for years. IT WAS JUST GONE! What took place in the United States with these unlawful foreclosures ; not only for my family, but from what I am finding out so many families is an atrocity. For these mortgage companies to be allowed to brush it under the rugs like they are is shameful. I wonder if this happened to their mother or children, would their outlook be the same ... I 'm betting no. I am a home owner that did lose my home during this time. No, I 'm sorry I did not lose my home ... It was stolen from our family. I was five days late with my payment, after being in our home for 14 years and received a letter from Wells Fargo lawyers that we were in a foreclosure. To call and make the entire balance of our mortgage and then even maybe they could see what they could do. I called Wells Fargo, and was told not to worry, to apply for a modification- I would be all set ... My next month 's payment was made, and when my statement came it said " unapplied '', however had been cashed. Long story short, we came home to locks on our home with everything in it. Even our dog. Our home was sold at auction, and we were not informed of any of it. Over a payment that was less than a week late!!! Not a person in the world believed me!! This review was supposed to reverse our credit- maybe be able to buy a home again!!!! Now were still right here with absolutely NOTHING. And then send tax document owing everything that was remaining?!?!?! And who is to say between all of us who was wrongfully foreclosed on and who just sat on their ... & did n't pay their mortgages? I am lumped in with deadbeats and people that are just no good. Does that correct the years my XXXX girls have spent hating me because they believe that I must have done something to be where we are because after all I taught them that when you work hard and do what 's right and are honest ... You will get what you deserve. They certainly do not deserve what we were given that day, and every day since. Regarding evidence of what happened to my family, it is difficult because we are not in our home. I have a few pieces of paperwork, but only a few. I 'm sure my bank would have copies of cancelled checks, and I have a statement from Wells Fargo that has listed under the payments section on two consecutive months preceding the foreclosure " unapplied ''. ( so where was my payment going? ) Wells Fargo wrote me and said " they drove by and there was no car in the driveway '' they believed the home was empty and secured their investment '' WHAT!!!!!!! They said they mailed letters- sent me dates AFTER THEY SOLD IT! SWORE THEY SPOKE TO MY HUSBAND- to a XXXX # that was a Wells Fargo #!!! All Lies! The foreclosure was taken off of my credit report- " BECAUSE I NEVER MISSED A PAYMENT " ummm how do you foreclose never having missed a payment???? I was forced to file bankruptcy becaue I was sent a tax document demanding the balance owed in the home stolen! I was not allowed back in to get anything I Owned, I lost EVERYTHING! 7 years of misery for their Selfish Lies. They have Paid others IN FULL. I DESERVE FULL PAYMENT! I DESERVE AN APOLOGY! My CHILDREN DESERVE TO KNOW I AM HONEST!!! They need to pay me! And correct my credit. Please help me **** XXXX customers were just paid in full- Please make this right*******
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

Mabank, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Wells Fargo sent me a letter stating my escrow account has a shortage of {$680.00}. my payment now is {$800.00}. If I pay the shortage the new payment will be XXXX, a {$49.00} difference. If I do n't pay it, my payment will be {$910.00}. An increase of {$100.00}. this is not the first time this has happened. The same thing happened the second year after we bought the house. I have bought a house before this one and never had a problem like this. There was never more than a {$25.00} difference each year. I just feel that Wells Fargo is XXXX me around.
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

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: After having a checking and joint checking account with Wells Fargo for more than 23 years I received a letter from Wells Fargo in XXXX of this year advising me that after reviewing the account relationship they had decided to close my accounts. No reason was given and no one could give me any reason for this arbitrary decision. I am in my mid sixties and have not had any bounced checks or anything negative. I also have a very good credit report. This unilateral and arbitrary decision has harmed me and turned my life upside down. I 've had to stop automatic payments, deposits, etc etc. I think it 's disgraceful that a huge financial institution which engaged in fraudulent activities should be allowed to unilaterally close muy account. As a senior citizen I expected to be protected from harmful banking acts. Your help will be appreciated
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

2017-04-01

Clermont, FL

Late fee

Credit card:

Complaint: I have a Dillard 's credit card acct I have always received the statement in the mail and go in store to pay my bill. I received a credit card in the mail that I did n't request and thought to use it for purchases on XXXX. I had the card for almost a year and never used it. when I used the card it did n't allow the transaction to go through.So i used cash, thinking i have to activate the card in order for it to work. In XX/XX/XXXX I tried using the card and the cashier said the card is denied. I thought that was strange I never used it before. I called the number in the back of the Dillard 's credit card to learn I have an outstanding bill of {$290.00} and was deeply concerned only to learn my account had gone to collections. I asked the collector why did n't I receive a statement he stated we do not have your current address on file. I mentioned receiving a brand new credit card from Dillard 's to my home and not a statement showing a purchase back in XX/XX/XXXX. He then responded that there was originally a {$43.00} purchase made on the card back in XX/XX/XXXX and said I will receive a letter in the mail on this investigation he will look into my account.After several calls to the creditor I received a letter in the mail that they 've reduced the late fees from {$290.00} to {$100.00} however they can not remove it from my credit report.I am writing to you to please help to resolve this case and restore my credit back to normal.I am surprised at the way Dillard 's treated me, I have had an account with Dillard 's since XX/XX/XXXX. I learned that they 're now a outlet and probably have sold accounts to collectors.Dillard 's is not operating as the department store it now a clearance center.
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

2017-03-31

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

2017-03-31

Franklin Lks, NJ

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

2017-03-31

Bayville, NJ

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 non-monetary relief

Disputed: No Timely Response

2017-03-31

Portland, OR

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

2017-03-31

Brick, NJ

Settlement process and costs

Mortgage: Other 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

2017-03-31

Lake La, CA

Deposits and withdrawals

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 Untimely Response

2017-03-31

Hamilton, NJ

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

2017-03-31

Mission, AZ

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: Yes Timely Response

2017-03-31

Canton, OH

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

2017-03-31

NJ

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

2017-03-31

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: As the legitimate legal survivor and spouse of a deceased Wells Fargo Home Mortgage ( WFHM ) borrower, I have provided WFHM with all of the legal documentation establishing me as sole inheritor to XXXX XXXX 's full estate in a timely manner, over the many months since her passing. As my wife died intestate, with surviving siblings, the full determination of the distribution of her estate, consisting almost entirely of her real property, fell hostage to California 's lengthy and thorough legal probate process. Although final estate distribution was executed in California Superior Court in XX/XX/XXXX, WFHM would not recognize me as legal title holder and established " successor in interest '' to the property until the title transfer was quit claim deeded from the estate, by me as court appointed administrator of the estate, to me as sole legal deed holder. This Quit Claim Deed was recorded XX/XX/XXXX. Upon WFHM 's final determination sometime hence in XX/XX/XXXX that I was in fact the recognized sole and full legal " successor in interest '' to XXXX XXXX 's WFHM loan, I was ultimately transferred to WFHM 's Simul-Mod home preservation team for approval as assumptor of the WFHM loan, and potential mortgage assistance. Pursuant to WFHM 's own determination, I was not recognized as the legitimate " successor in interest '' to the loan until XX/XX/XXXX, well past the XX/XX/XXXX inaugural date of the implementation of California State Law 1150 ( Survivor 's Home Owner Bill of Rights ). Plain and simple, WFHM first recognized me as " successor in interest '' in XX/XX/XXXX, at a time in which CA 1150 enjoyed the full force of California Law. Their is no legitimate doubt that WFHM is subject to the provisions of CA 1150 in consideration of the loan. On XX/XX/XXXX I was, without prior notification, served by posting, USPS, and registered mail, with notice of Trustee 's Sale for XX/XX/XXXX. This action is in certain violation of CA 1150, Section 2920.7 ( e ) : ( 1 ) A successor in interest shall have all the same rights and remedies as a borrower under subdivision ( a ) of Section 2923.4 and under Sections 2923.6, 2923.7, 2924, 2924.9, 2924.10, 2924.11, 2924.12, 2924.15, 2924.17, 2924.18, and 2924.19. For the purposes of Section 2924.15, " owner-occupied '' means that the property was the principal residence of the deceased borrower and is security for a loan made for personal, family, or household purposes. ( 2 ) If a trustee 's deed upon sale has not been recorded, a successor in interest may bring an action for injunctive relief to enjoin a material violation of subdivision ( a ), ( b ), ( c ), or ( d ). Any injunction shall remain in place and any trustee 's sale shall be enjoined until the court determines that the mortgage servicer has corrected and remedied the violation or violations giving rise to the action for injunctive relief. An enjoined entity may move to dissolve an injunction based on a showing that the material violation has been corrected and remedied. ( 3 ) After a trustee 's deed upon sale has been recorded, a mortgage servicer shall be liable to a successor in interest for actual economic damages pursuant to Section 3281 resulting from a material violation of subdivision ( a ), ( b ), ( c ), or ( d ) by that mortgage servicer if the violation was not corrected and remedied prior to the recordation of the trustee 's deed upon sale. If the court finds that the material violation was intentional or reckless, or resulted from willful misconduct by a mortgage servicer, the court may award the successor in interest the greater of treble actual damages or statutory damages of fifty thousand dollars ( {$50000.00} ).
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

2017-03-31

MO

Loan servicing, payments, escrow account

Mortgage: VA mortgage

Complaint: We filed bankruptcy almost two years ago but reaffirmed our debt with Wells Fargo. We have not been late on one payment yet they refuse to report these good payments to the credit bureaus. I am trying to rebuild my credit and would like to see all of these payments back dated on my credit report or at least start reporting again. I have called them twice but I get the run around.
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

2017-03-31

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.
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

2017-03-31

Rocky Ridge, MD

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
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

2017-03-31

Durham, NC

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

2017-03-31

Centennial, CO

Making/receiving payments, sending money

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 Untimely Response

2017-03-31

Merrick, NY

Can't repay my loan

Student loan: Non-federal student loan

Can't decrease my monthly payments
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

2017-03-31

Birch Run, MI

Settlement process and costs

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

2017-03-31

Santa Rosa, CA

Loan modification,collection,foreclosure

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

2017-03-31

Wallington, NJ

Settlement process and costs

Mortgage: Other mortgage

Complaint: I have been a victim of fraud. Back in XX/XX/XXXX I received a phone call from Wachovia about refinancing my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take Wachovia 's offer and refi. They they told me that it would be a better idea to modify my mortgage. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from Wachovia, I decided to call them for an update. finally I spoke to a representative ( XXXX ) and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago. Neatness to say I faxed over the documents again, by then my mortgage was due, so asked XXXX, do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for Wachovia stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call Wachovia about this letter. The funny thing about Wachovia, I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to Wachovia and fax them also. By XX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called Wachovia to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them {$18000.00}. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so Wachovia left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, Wachovia was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many Wachovia representative, ( have a record of ) every month they would ask me for the same things. I have {$470.00} of certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for over a year, by now my credit was ruined, the humiliation from our families and friends was too much to bear, people would knock on our door all day long. Take pictures of our house. so our marriage was also ruined. I suffered XXXX. At this time Wells Fargo took over Wachovia, and now I was dealing with Wells Fargo In XX/XX/XXXX I was finally approved. They gave me 40 YEARS ON MY MORTGAGE. I only had 24 yrs left, now I have 40 yrs. THANK YOU Wells Fargo. To this day my credit was ruined, and Wells Fargo refuses to work with me on fixing my credit, it took them 13 months to get an answer on a modification that I had no control 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