WELLS FARGO COMPANY

2019-11-21

Santa Clara, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-21

New Orleans, LA

Applying for a mortgage

Mortgage: Other type of mortgage

Company Response: In progress

Timely Response

2019-11-21

Nine Mile Falls, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-21

Bloomington, MN

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I went to the branch in Minnesota because my daughter is going to college in that state. I reside in Hawaii and is needing a teen checking account so that my daughter has an account with Wells Fargo because her dad also banks there. The banker force us to opening another account with just my name on there without disclosing fees. I was informed that it would be a free account but later on found out that there's a monthly fee on the account and overdraft fee that they are refusing to be returned. I would like to have the fee refunded and close the account but I can't do that unless the fee is refunded. I would like to complaint because they illegally opened this account by forcing me into it and charge me fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-21

Lake Barrington, IL

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-21

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-11-21

Richmond, CA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-21

Burlingame, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2019-11-21

New Port Richey, FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Untimely response

Untimely Response

2019-11-21

Discovery Bay, CA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: On XX/XX/XXXX I drew an advance of {$2900.00} from my HELOC that I have with Wells Fargo. I have auto pay with Wells Fargo and a scheduled payment of {$100.00} was taken from my XXXX checking act on XX/XX/XXXX. On XX/XX/XXXX I entered the XXXX XXXX, CA branch and paid {$2800.00} to pay off the advance. Since that time, various transactions have been posted to this account. On XX/XX/XXXX there is a principal adj debit in the amount of {$170.00} followed by a principal reversal in the amount of {$91.00} ; on XX/XX/XXXX an interest reversal in the amount of XXXX ; on XX/XX/XXXX there is an interest adj debit for {$0.00} ; a principal reversal of {$100.00} ; an interest payment that they automatically took from my XXXX checking account in the amount of {$8.00} ; an interest adjustment XXXX credit ) of {$0.00} ; and a principal payment in the amount of {$91.00} from my XXXX checking account. On XX/XX/XXXX they took additional payments from XXXX checking account totaling {$100.00}. On XX/XX/XXXX there are two more adjustments ( credit ) in the amount of {$1.00}, which makes no sense. I have requested my money to be returned to no avail. They have continued to take payments from my checking account despite the fact that this loan was repaid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-21

Van Nuys, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2019-11-21

San Francisco, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On my Wells Fargo Credit card ending in XXXX I had a credit balance of {$200.00}. I requested the {$200.00} balance be refunded to me either by check or transfer to my wells checking account. Wells fargo processed the refund of the amount owed to me to my checking account, but then charged me {$10.00} to refund the balance due to me. This was not a cash advance, this was a refund. I requested the {$10.00} fee they charged me to be credited, they stated they would credit the fee, then never did. From : Customer Service Sent : XX/XX/2019 XXXX XXXX Subject : Re : RE : Re : RE : Re : Account questions or requests ( XXXX ) Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and I appreciate the opportunity to respond to your email. I would like to assure you that your concerns have been escalated to the highest level of email. I understand your concerns regarding the {$10.00} cash advance transaction finance charge posted on XX/XX/2019 for a cash advance to the checking account ending in XXXX. Because you are a valued customer, I credited your account in the amount of {$10.00}. A credit will appear on your account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-21

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-11-21

Houston, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2019-11-21

Itasca, IL

Fraud or scam

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Untimely Response

2019-11-20

NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information is missing that should be on the report
Company Response: In progress

Timely Response

2019-11-20

Indianapolis, IN

Problem when making payments

Payday loan, title loan, or personal 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 monetary relief

Timely Response

2019-11-20

Beyersville, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: Opened a short sale prior to the 37 week regulation submitted all the short sale documents to lender. Lender placed file on decline at the end of our collection of docs while review of the offer to decline per the months in default. XXXX have the file to approve at XXXX public auction. Our buyer has been on at XXXX cash from XXXX XXXX. FHA opened ticket and Wells declined them as well. IRS has a lien that the application to discharge is pending Wells approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Taft, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My bank account was hacked in the summer of 2017 and my account was frozen for weeks. I have a letter from the bank confirming this. I missed two payments due to the hacking and have given WFDS the bank letter MANY times to no avail. Due to that WFDS has my account showing TWENTY SIX TIMES!!! This has destroyed my credit score which was in the 700 's for my entire adult life. I'm now XXXX. PLEASE help to get this resolved!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Matteson, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have sent certified letters to XXXX with police report attached current bill and my drivers license. All I get is account has been verified in every letter. According to my recent credit report request. All ask is send me proof from the creditor that I authorize these credit pulls on my file. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Long Island City, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Information belongs to someone else
Complaint: I reported XX/XX/2019 Identity Theft / Fraud where someone opened up a credit card with my personal information at WELLS FARGO. Wells Fargo approved this card. It was opened XX/XX/2019 while I was outside the country. Amount {$17000.00} is the balance owed on this card. Whoever opened the card paid 3 months which were XXXX XXXX and XX/XX/2019 then defaulted in payments. That was how I found out when it showed up on my credit report and my entire credit was destroyed. I have been back and forth with Wells Fargo for 3 months now and my last call I was refused an update and told to go to a Wells Fargo branch to find out new information, if any. I want this dispute resolved and removed from my credit report so that my credit returns to excellent. Please help, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Douglasville, GA

Written notification about debt

Debt collection: Federal student loan debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

PA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/2019 I wrote out a check ( # XXXX ) in the amound of {$2900.00} to a remodeling contractor. The contractor then proceeded to the XXXX XXXX, PA branch of Wells Fargo to cash the check. The cashier attempted to cash the check, which was declined because funds needed to be transferred into the account. The cashier then authorized transfer of funds from another account ( overdraft protection ) and proceeded to cash the check, but for {$500.00} less than the check was written out for ( the cashier cashed it for {$2400.00} ). The entire transaction history showed this on the evening of XX/XX/2019 as " pending transaction '' and the Wells Fargo customer service representative could not explain what had happened, so the matter was assigned to an " investigation ''. The contractor 's transaction receipt clearly showed that the check was cashed for {$2400.00} ( not {$2900.00} ) and the contractor swears that he received {$2400.00}. Less than 12 hours later on the morning of XX/XX/2019 the entire transaction history showing the mistake had disappeared from my account and the record indicated that the bank had cashed the check for the full amount of {$2900.00}. I called Wells Fargo again on XX/XX/2019 and they indicated they considered the matter closed despite what the contractor 's receipt said. At this point I accused the bank of attempted fraud and the matter was supposedly escalated to an " executive complaint ''. It is now XX/XX/2019. I have called Wells Fargo executive investigations three times and have been repeatedly told that they have not assigned the matter to a case manager and can not tell me when it will be assigned to a case manager. It has become clear that Wells Fargo has no intention of resolving the matter and is now just stalling me in the hopes that I will let the matter drop. They continue to defraud me out of {$500.00} because of their teller 's mistake and subsequent cover up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-20

Ormond Beach, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2019-11-20

Douglasville, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response