WELLS FARGO COMPANY

2017-03-29

The Sea Ranch, CA

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

2017-03-29

Milwaukee, WI

Loan servicing, payments, escrow account

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

2017-03-29

Mill Valley, CA

Loan servicing, payments, escrow account

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 monetary relief

Disputed: No Timely Response

2017-03-29

City Industry, CA

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 Untimely Response

2017-03-29

Buford, GA

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 explanation

Disputed: No Timely Response

2017-03-29

Berwyn, IL

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

2017-03-29

Andover, 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 non-monetary relief

Disputed: No Timely Response

2017-03-29

Tarzana, CA

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: Yes Timely Response

2017-03-29

Centennial, 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

2017-03-29

Lewisville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: She said when she walked up this big warning sign was on the front door in bright red, saying this house is vacant, with a humongous lock hanging on the door. There were vacant signs on every window on the house with the blinds up exposing my dad 's full house of beautiful furniture, personal items and antique heirlooms. Nothing had been moved out of the house since his death because we were not sure what direction to go in and my sister did n't know if she was going to put in a request to be stationed somewhere else or if she was going to continue to live there. When she walked in ... all of the doors, closets, cabinets were open, including the garage. There were bugs inside the house from the garage door being open for a week in the winter. All of the blinds were up exposing all of my father 's furniture, my sisters clothes and personal items and electronic equipment. She also found that there were broken locks and metal pieces all over my father 's family room and broken locks in the backyard on the ground. ( I have pics ) Please get the visual.. She ran out of the house screaming because she thought someone had broken in and they may be inside. I called the number on the document furious, and they said they could n't talk to me because my account was in the President 's office.They transferred me to XXXX, She is who I was working with at this time, and she said that winterization happens when the house is in foreclosure. She said this would not have happened to my dad 's house because it was NOT in foreclosure and she sees no notes stating that the house was winterized or scheduled to be. She did not think it had anything to do with Wells Fargo. 2 days later I drove down from XXXX to see what was going on, and it is exactly my sister described. Complete disrespect to my dad 's house and his name. On top of that, whoever came to the house cut the electric and the water. They left my father 's home violated and unsecured. They left it with no burglar alarm, I think for theft purposes. I was going to stay a week but I was very upset at the intrusion. The house was dark and freezing and I had XXXX dogs with me. XXXX was my dad 's dog that I inherited and I turned around and drove back home. XXXX hours total with XXXX dogs. I was hysterical. I called XXXX on Monday XXXX and told her that someone had been in my dads home, and left a lock on the front door and she researched further and found it HAD BEEN winterized. This took 2 days for the President 's office to find this information out. I asked the name of the company who winterized my dad 's house, and Wells Fargo ( preservation dept ) refused to give it to me. I then asked Wells Fargo who Authorized my dad 's house to be winterized, they refused to give me the person 's name. This was a break in, the house was full of furniture my sister had just left the day before.. a bmw in the garage and whoever came into my dad 's house should have turned away immediately when they saw that the house was full of beautiful furniture, lived in ... power and alarm on. Instead they cut the power and came on in and disrespected our family 's home. Now-as a result of the posted red signs, and unauthorized lock box the renters wife called with concerns, thinking the house was in foreclosure. They asked for their money back. The XXXX, did n't want to go further. They felt like we were lying about the house being in jeopardy. We lost XXXX people because of Wells unauthorized entry and flamboyant attention getting signs in this quaint neighborhood.. So now, I am in research again because I told them at this point ( Wells ), they owe us not the regular type of help, but the type of help that Wells Fargo gives when THEY KEEP XXXX Up! I spoke to a lady who researched the " Preservation company '', she said that the man did not enter thru the front of the house, he entered thru the back
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

2017-03-29

Colts Neck, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This regards a 30 year fixed primary mortgage currently being serviced by Wells Fargo. This morning while talking with a bank representative, it came to my attention that the default way excess payments on my account are processed is not as most consumers including myself would assume. Apparently, paying extra and not specifying what to do with the excess results in the excess being applied to the following month 's payment. Thus, you are paying interest, PMI, taxes and principal e.g. paying extra in XXXX pays the XXXX payment first before paying principal. The bank mitigates with the following : Monies in excess of the following month being paid are applied to principal as expected. One can call and change the application to principal only ( within 3 months of the transaction ). It is possible some consumers want to pay the next months bill. However, it does not make sense as it means paying interest that would be lowered by paying principal. Furthermore, looking at the First Mortgage / Deed of Trust contract, in section 2. Application of Payments or Proceeds we find the following : " Such payments will be applied each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first late charges, second to any other amounts due under this Security Instrument, and then to reduce the principal balance of the Note. '' Since my account was and is in good standing, payments should not go to anything other than principal.
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

2017-03-29

Dr Martin Luther King Jr, FL

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

2017-03-29

CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. He hi said that WFHM have not doing any illegal activity. I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. On XX/XX/XXXX WFHM send my Loan to Foreclose. I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. I did explain that Dual Tracking is Illegal in California as well. Wells Fargo should respect the law and do not operate above the law. 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

2017-03-29

San Antonio, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: TITLE : Wells Fargo : I had an account with a XXXX ; paying minimal interest rates ; & Somehow I was Coerced to switch those accounts to Wells Fargo, By a banker named, XXXX,XXXX , XXXX , tx, who then opened approximately three other accounts, XXXX, etc ... etc ... Well He painted a beautiful picture, promising a 9.7 % interest on a consolidation Loan, which ended up being 11.0 %, which I am still paying. I spoke to a Wells Fargo agent in XXXX, Va named XXXX, who could not lower my rates. I should have stayed with, lower rates, with my Credit Union ; but, admit, that I was Duped, into these High-Interest rates account, and am drowning with Fees. Is there anything I could do? thanks for your time, Sincerely Yours XXXX
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

2017-03-29

Stkn, CA

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 monetary relief

Disputed: No Untimely Response

2017-03-29

N Plainfield, NJ

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 explanation

Disputed: No Timely Response

2017-03-29

VA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Wells Fargo Dealer Services Telephone number comes up as " Data Overage Alert '' -- Deceptive and violation of FDCPA
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

2017-03-29

Craigton, OH

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 explanation

Disputed: No Timely Response

2017-03-29

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

2017-03-29

Lewisville, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: RE : The Estate of XXXX XXXX XXXX, XXXX Loan Number:XXXX Wells Fargo Investor Number:XXXX XXXX File Number:XXXX Attorney handling Foreclosure : XXXX To whom it may concern, My name is XXXX and My dad XXXX was found deceased XX/XX/XXXX in his home at XXXX Mississippi XXXX . My sister lived with my dad and had just left town for work on that preceding Monday. He was not answering my calls for 2 days, they found him that Sunday after my urgent calls to family. Devastated This was an enormous blow to our family who depended on his leadership, kindness and love. He was everything to us, our hero and my sons no. 1 fan. He also had his XXXX. He graduated XXXX from XXXX University and he was also made XXXX of his XXXX. This is just a short list of his accomplishments. When my father passed, dedications and tributes came in from his XXXX from XXXX, XXXX and XXXX who posted to my father and thanked him for motivating them to finish school, go to College, one even said he had gotten his XXXX because of my dad. XXXX worked his behind off to be great and now here we are. Again, my dad passed XX/XX/XXXX My father had insurance with XXXX. This policy stated that in his passing, his mortgage to Wells Fargo was to paid for a year. I called Wells Fargo, coordinated with XXXX, sent in information that XXXX, XXXX and XXXX were the executors and sent in the death certificate along with all of our contact information which was also included in the document from the court. When I called Wells in XX/XX/XXXX after the year was up to make the 1st payment, the automated system said that the next payment due was XX/XX/XXXX. There were 3 payments missing. I called Wells Fargo and asked where the 3 payments were. They said they did not receive them from XXXX. I called XXXX and they said they absolutely paid. I called Wells Back and they said no they did n't. This went back and forth for months. So moving on..I made up the 3 payments and continued to pay. XXXX sent me their payout info. They were right, they did make the 12 payments. I then called Wells back and asked where the payments were. Wells ... clueless. For about 6 months constantly I called to find those 3 payments that XXXX Life insurance paid, and no one could see anything. Wells Fargo tried to calculate the funds they received ... .and could n't figure it out. ( Pull phone records of the incompetency ) The account went to research in the President 's office twice. After months and months, I spoke to a young lady who was in the President 's office and she said.. '' I see what happened '', the insurance adjusted on your dad 's account, XXXX sent in XXXX less than the new amount for the last 3 months and we applied the last 3 payments to principal and not to the payment. This was our mistake, not our policy ... and should never have happened. I was like OMG, I knew that I was n't crazy. In XX/XX/XXXX, folded notes started appearing on the door. My sister came home 1 day to see a note on my dad 's door and she called me, ( I handle the business ) I in turn called Wells and asked what the notes for. They said they thought that the house was vacant, I asked why. The yard is cut, the dues are paid and all of the utilities are on. They said someone stopped by and rang the doorbell and no one answered. I told them that my sister worked on a XXXX and was in and out of town ... and if she WAS there and someone rang the doorbell that she was n't expecting, that she would n't answer, I would n't either.
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

2017-03-29

Middletown, CT

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 explanation

Disputed: No Timely Response

2017-03-29

Edgemoor, DE

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 monetary relief

Disputed: No Timely Response

2017-03-29

VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. The late fee applied to our account on XX/XX/XXXX be removed. All harassing phone calls stop immediately. Confirmation from WF in writing that there no negative reports have been made to any credit repository.
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

2017-03-29

Neotsu, OR

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Hi, In the fall we refinanced our mortgage with Wells Fargo. After we filled out the paperwork, they set us up to get an appraisal with a completion date of XX/XX/XXXX. Wells Fargo then set a closing date of XX/XX/XXXX. The appraisal was ordered on XX/XX/XXXX and was completed XX/XX/XXXX, and then we waited. The appraisal came in 2 days early on XX/XX/XXXX. Which was scheduled to be in. time for a closing of XX/XX/XXXX. Just before XX/XX/XXXX we revieved a call from our loan officer, telling us that we needed to pay {$750.00} for a lock extension to ensure our rate of 3 %. He said with all the business they had, the docs department could not produce our documents by XX/XX/XXXX. He said that if we did not sign the lock extension, we would have to start the process over from the beginning. So we signed. Wells Fargo then moved our closing date from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the day we closed the mortgage, the mortgage rate at Wells Fargo was still 3 %. I am asking that my {$750.00} be returned. Wells Fargo knew the date the appraisal would come in, but yet they set and decided not to move the closing date. They said our documents sat in their documents department too long. They said the appraisal took too long. 1. The appraisal came in 2 days earlier than they told us originally. 2. They picked the appraiser. 3. They controlled how long the documents sat in their documents department. 4. I should not have to pay for their inept handling of the refinance. I wrote to them on XX/XX/XXXX. On XX/XX/XXXX they wrote back and blamed the delay in the appraiser. In our closing documents, Wells Fargo also attempted to charge us a mobile notary fee. We saw that and objected, since there was no use of a mobile notary. In reviewing our claim they said they place that fee in every contract. People must ask to have it removed if there is no mobile notary. How many people do n't realize it is in there or do not know to take it out?? I would venture to say that 90 % of their closings do not involve a mobile notary. What a scam!! I hope someone will look into other cases where the closing delay was caused by Wells Fargo and they extorted a payment of a lock extension fee. I hope someone will force them to not place the mobile notary cost in every contract. If people do n't see it or understand they can ask it to be removed ... Wells Fargo gets money for nothing. I thank you for any help you can provide, XXXX, Or XXXX
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

2017-03-29

Finksburg, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.
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