Date Received: 2024-01-09
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I am attaching the Original document from XXXX XXXX and XXXX which provides direct evidence that I was not in Foreclosure when Americas Servicing Company received my loan from XXXX. I was illegally placed in Foreclosure during the Housing Crisis and the issue was NOT RESOLVED PROPERLY BY WELLS FARGO HOME MORTGAGE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: WF issued to me a check for {$200.00} claiming that it was to remediate an error on its behalf that caused my house to be sold at an illegal foreclosure. I want to know exactly what the error is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Wells Fargo issued me a check for {$200.00} but has failed to provide me the reason for this check. I refuse to cash the check to protect my rights against WF. I need to know what the error is that WXXXX committed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I'll try to summarize this at the end so that it hopefully, it doesn't come off as a mess of paragraphs. On XX/XX/XXXX, I bought a plane ticket from XXXX for XXXX US dollars. I mistakenly chose the wrong destinations, I bought a ticket for XXXX XXXX to XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX. I had intended to buy the ticket for XXXX XXXX to XXXX XXXX. I contacted XXXX immediately and they told me that the ticket through XXXX was already processed and that they would try to get the refund but that there were no guarantees. After talking with them on the phone, I immediately contacted the airline, XXXX, directly. The representative immediately refunded the ticket for XXXX XXXXXXXX XXXX, the equivalent of XXXX XXXX dollars, sending it back to the XXXX linked to XXXX. This made the ticket unusable and my reservation was taken out of their system. I call back TravelGo to let them know that the airline has refunded the ticket on my name and they let me know that they will contact me when it reflects on their bank records. A couple days later, I contact XXXX asking for my refund. The representative informs me that it isn't reflected in their records. XXXX days from the date I had originally purchased the ticket, they ask me for a " refund certificate '', because according to them, the refund is not reflected in their records. I contact XXXX through phone, the representative informs me that the refund is indeed reflected through their records but that they were unable to provide me with proof directly and suggested that I use their customer service email. I emailed XXXX immediately after and it takes until XX/XX/XXXX to receive an email back. The email is in XXXX and confirms the refund was sent back to the company on XX/XX/XXXX, and suggests that I contact my bank. I contact Wells Fargo through phone and request to open a claim. They open a claim and when I looked it up on their website, the representative had labeled it as " never received merchandise '' which wasn't accurate. Sometime later, I get a letter in the mail requesting more proof, and temporary credit to my account. I immediately forwarded the email sent to me by XXXX to the Wells Fargo Claims Center email. A couple months later, I get a letter in the mail from Wells Fargo that a processing error did not occur, which is not why I opened the claim, and that they were going to deduct the temporary credit from my account. I called their customer service line repeatedly, I was told first that my case could possibly be reopened if I submitted proof, apparently the email that I forwarded just showed a bunch of pictures, and to try submitting screenshots and wait XXXX day. The next day, I called and was told that nothing could be done for my case because it was already closed. I immediately called again and spoke to a different representative who informed me that my case wasn't actually fully closed and was pending a final investigation. I called for the last time on XX/XX/XXXX, and am told once again that my case was closed and nothing could be done to reopen it. To summarize, I bought a plane ticket from a third party company. I got the airline to refund the plane ticket and send the money back to the third party. the third party company is denying that they received my refund despite there being plenty of time for it. They refuse to refund me despite the ticket no longer being valid or usable at the time the refund was approved. My bank did not do enough to help me get my money back, with some representatives providing generic answers to get me off the phone. I shouldn't be responsible for the cost of the plane ticket when I have clear proof that XXXX is keeping my money for a ticket that was no longer functional on the dates that I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX negative reports for one payment that wasn't late
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX XXXX car was repossessed Wells Fargo reported the loan as an installment loan, which is factually incorrect the true account type for this account is a credit sale agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. I requested that the account be removed from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX my car was taken from my house. The driver hooked my car up and while pulling the car. The car collided with my garage. He stopped briefly once realizing the connection and then continued to drag the car from where it was parked. I contacted Wells Fargo and they were unable to answer my questions XXXX. What company repossessed my vehicle. I questioned them if I needed to file a police report because of the manner it was taken from my home and their unwillingness to offer the information I was requesting. XXXX. Where is my property. Unable to provide the location of my property I contacted them several times and was unsuccessful at receiving the information. The week before XXXX. I called Wells Fargo and requested the amount required to receive my car back and I was informed that if I wanted my car back I had to call Wells Fargo and pay {$20000.00} by XX/XX/XXXX and that my Auto Loan was " charged off '' I was again confused because I didn't understand how they sold my debt and charged off my auto loan and I was still required to pay Wells Fargo and this company they would not give me the companies information they sold my debt to. I called Wells Fargo on XX/XX/XXXX begging for my car back and to pay what i owed because i needed my car. They did give me incorrect information of where my car was and where my property was. I was provided inaccurate numbers of the locations. I called the numbers they provided me with and had not been able to reach either locations. Wells fargo extended my time frame to XX/XX/XXXX to pay XXXX told them i could pay what is owed and i dont understand how i am required to pay the XXXX when it was charged off to receive my car back because I am now going to still owe the debt collection agency they sold it to. I was instructed by wells fargo to try to refinance the auto loan of {$20000.00} to receive my car back. XX/XX/XXXX i still haven't received any information pertaining to the correct location of both my car or the property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ordered XXXX in the amount of {$63.00} on XX/XX/XXXX. I did not receive my food at all. I was given someone elses XXXX takeout when I had ordered burgers and whatnot from this restaurant called XXXX I reached out to XXXX to see if I could get a refund or a redelivery this time of the right food but they refused they told me there was nothing they could do. I am very upset seeing as though I spent a little over XXXX $ plus a tip for a meal for my family but ended up getting something I didnt even order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ordered XXXX XXXX on XX/XX/XXXXXXXX at XXXX XXXX for delivery. I live in an apartment complex where people take things that are left outside so I left very clear delivery instructions to call me when they arrive and that I will meet them for my order. I got an email saying my order was delivered but I never got a call saying anyone arrived so I went around to look for my food and there was nothing at the doors so I quickly tried to contact the number that was given with delivery but I was getting sent to voicemail. I reached out to XXXX XXXX to resolve it and they told me they would have to escalate it to the general manager and I would hear back in a few days. They never reached back out so I contacted my bank to dispute the transaction but they say they resolved their investigation and dont see fraud. Im not really sure what to do because I spent {$110.00} to not receive any type of merchandis or compensation for it like a refund or a re delivery.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55416
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under XXXX XXXX XXXX XXXX XXXX. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is erroneous, according to XXXX XXXX XXXX XXXX. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A