WELLS FARGO COMPANY

2017-03-28

Howells, NY

Other

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

2017-03-28

Baltimore, MD

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

2017-03-27

Grover Beach, 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 non-monetary relief

Disputed: No Timely Response

2017-03-27

Three Rivers, NM

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

2017-03-27

Mount Juliet, TN

Application, originator, mortgage broker

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

2017-03-27

Darien, GA

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

2017-03-27

Appomattox, VA

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

2017-03-27

Hillcrest, NJ

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 Timely Response

2017-03-27

Bronx, NY

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 explanation

Disputed: No Timely Response

2017-03-27

Charlotte, NC

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

2017-03-27

Cape May, NJ

Settlement process and costs

Mortgage: Reverse 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

2017-03-27

Chicago, IL

Application, originator, mortgage broker

Mortgage: FHA mortgage

Complaint: I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.
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

2017-03-27

Santa Ana, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I worked hard and rebuilt my credit and saved money so that I could buy a home for my family with an FHA mortgage loan. My problem is that the mortgage company that holds my FHA loan Wells Fargo is not giving us a fair chance to resolve missed payments. They have given us conflicting information, told us after a review that we qualified but then later told us we do not, and advised us to miss payments so that we would qualify for help. We are now being told by Wells Fargo that there are no options except a short sale or deeding the house back to them -- but we just made two large lump sum payments in the last few months and they accepted these payments. How can we be in this situation? It does not make sense. I have enough income to afford the monthly payment, but was injured at work and out for a few months which is how this downward spiral started. In XXXX 2016 I hurt XXXX on my job as a XXXX ( been doing it for 27 years ) and found out that I had some XXXX and XXXX. I was out of work for three months, and even though I had some money saved fell behind one mortgage payment. My wife tried to call in to make the missed payment but Wells Fargo said we could not do that ; we could only pay the current month 's payment and would then be responsible for late fees. We were not able to get ahead because the way my business works I have to buy all the materials for a job in advance and then recoup this money when I get paid at completion. We called in to Wells Fargo to see if there were any programs to help us get caught up and spoke with XXXX at Wells Fargo. She went over our loan, our situation and our financial information and XXXX said that we qualified for help, but that we needed to be at least " 3 months behind '' to qualify for these programs. At that time it was helpful for me to have extra money from missing two more payments so we followed her advice and then called in to apply after we were three months behind. We went over everything on the phone and once again were told we qualify and that all we had to do was send in the paperwork, which Wells Fargo said they would mail out. Of course they never sent it, and we actually had the paperwork sent to a Wells Fargo branch where we picked it up. We sent it to XXXX who told us she would have an answer for us in two weeks. We waited nearly two months, and were then told that we were denied and that we either had to short sale the house or give the house back to the bank. We were in shock. How was this possible?? I am not sure what programs we were reviewed for by Wells Fargo but XXXX XXXX had led us to believe it was Save your Home California. It appears this is a program offered by the state of California. Wells Fargo has government and internal modification programs available -- additionally, this is a government insured FHA loan. I am pretty sure that Wells Fargo is REQUIRED to consider us for modification, partial claim, forbearance agreement or repayment plan. It appears they did not review us for ANY of these programs. We make enough money to afford our mortgage payment. We have made two large lump sum payments to Wells Fargo ( that they ACCEPTED ) over the last 3 months to cut down our delinquency, yet Wells Fargo is telling us we have to give back our house while they take our payments?? What is going on here?
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

2017-03-27

AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Wells Fargo has no clue as to what a Chapter XXXX Bankruptcy covers and does not cover. We have a mortgage and 2nd mortgage with them we also had a Credit card ... In the chapter XXXX Documents .pdf, the fifth page down labeled Chapter XXXX Trustee it lists Claims and Distributions, there are XXXX references to Wells Fargo XXXX WELLS FARGO BANK N.A Unsecured XXXX WELLSS FARGO FINANCIAL ALABAMA ( PAY DIRECT ) XXXX WELLS FARGO BANK NA ( PAY DIRECT ). So now go to XXXX XXXX, XXXX. HOME MORTGAGE PAYMENTS -- I QUOTE " You must directly pay all post petition home mortgage payments, meaning 1st and 2nd mortgages '', so now go down further to Chapter XXXX Plan Section XXXX DIRECT PAYMENTS, it lists our Jeep Payment, it also list both mortgages with Wells Fargo. Now these mortgages are in no way affected by this bankruptcy except to tell us to continue making payments at the amounts listed. You following me here, the mortgages are not part of the bankruptcy. No go to SCHEDULE D, a little further down. Now this explains Secured Claims, both mortgages are listed here ... Do you see that, so in other words they are not part of the bankruptcy. Now open the pdf called Wells Fargo Explanation. Disputed Credit Reporting, you determined it to be accurate. You verified account is discharged in chapter XXXX, show me where it says that about this account XXXX in the chapter XXXX, show me anywhere ... you can not. No go to Monthly statements, your own words, statements were stopped upon notice of a Bankruptcy filing???? What the XXXX is this, where does it say in the bankruptcy to do this. After we ceased sending statements you received a letter on XXXX XXXX XXXX requesting to resume bankruptcy statements, key date is XXXX XXXX. So we paid online payments for 12 months, then requested you to start statements again, we make XXXX payments in XXXX XXXX, so by XXXX XXXX we should have gotten a statement, for sure in XXXX XXXX ... Wait a minute those just happen to be the month 's no payment was made, I wonder why, could it be you screwed up and did not send us the statements I mean we requested them and then stop making payments, coincidence, no way, you dropped the ball and never sent the statements, you also locked us out of the online access, so now we can not pay online nor are we getting statements in the mail, just happens to be the only month 's we missed payments on this account, strange right ... ( XXXX XXXX start statements XXXX XXXX Charged off account -- -3 months after we wanted statements started that we never received ). Now lets look under Charge Off, you state and I quote " due to the status of the account being under bankruptcy protection issuing a right to cure default notice would constitute an attempt to collect '' Wait a minute this account is not under the bankruptcy so all of this is total XXXX ... Show me where it is under the bankruptcy protection, read it and point it out to me ... gets better now ... go to your credit adjustment request ... are you there ... we were n't able to determine th specific concerns you have about your credit reporting ... whoa XXXX ... take a peek at document number XXXX 1st mortgage apology, Credit reporting for account XXXX We apologize that you had to spend time addressing the matter. The posting of payments was delayed, since recognizing this situation we have updated our system ... WHAT YOU WERE WRONG THE WHOLE TIME ... .Get your head out of your you know what, the mortgages are not and never ever will be covered under Bankruptcy not Chapter XXXX, XXXX or XXXX, none of them, so your claims that you were not allowed to do this or were able to cutoff our online access is all a lie,, send this to your legal department, you owe us big time ... .... Due to the delay in the payment posting we have submitted a request to the consumer reporting agencies to update the credit reporting ... hahahahahahahahaha
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

2017-03-27

NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XXXX my wife, XXXX, and I obtained a Pick-A-Pay mortgage from XXXX which was acquired by Wachovia Bank and finally by Wells Fargo Bank. In XXXX Wells Fargo Bank consented to a special loan modification XXXX XXXX XXXX to satisfy a class action lawsuit alleging fraud. The New Jersey Attorney General 's office reached a similar agreement with Wells Fargo. The XXXX would have eliminated accrued interest payments and would have eliminated some principal. In my case, shortly before the new modification was announced, Wells Fargo forced me under threat of foreclosure to accept an ARM which had sharply increasing interest rates. I could not keep up the payments..I was informed by the folks running the XXXX settlement that I was eligible. Wells Fargo refused since the settlement contained language that precluded folks who obtained another mortgage from participating. I allege that forcing me under threat of foreclosure to accept the extremely costly ARM constituted fraud since Wells Fargo knew that the modification agreement precluded receipt, of the XXXX after another modification was consummated. I am presently in foreclosure. I have filed an appeal, but a sheriff 's sale is imminent.
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

2017-03-27

Rncho Domingz, CA

Communication tactics

Debt collection: Auto

Frequent or repeated calls
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

2017-03-27

Catalina, AZ

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

2017-03-27

Bay Saint Louis, MS

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

2017-03-27

Meadows Place, TX

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 Timely Response

2017-03-27

Arden Hills, MN

Managing the line of credit

Consumer Loan: Personal 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

2017-03-27

Mogul, NV

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: No Timely Response

2017-03-27

Park, VA

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

2017-03-27

Atlantis, FL

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

2017-03-27

Alexandria, VA

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

2017-03-27

Smoke Rise, GA

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