Date Received: 2024-03-01
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/XXXX I went into the Wells Fargo customer portal to increase our monthly loan repayment by {$320.00} from XXXX to {$1400.00}. I logged into the portal and established this new payment amount to be auto-paid monthly from my checking account. I have always had auto-pay set up since I purchased this apartment. In XXXX of XXXX, I receive a notification in the mail that payments had not been happening and that if I did not remedy this, the apartment would go into foreclosure. This was the first notification I had received about the payment issues. I had received neither mail nor phone calls nor digital communications ( email ) about this issue, and there was no alert messages in the Wells Fargo portal to notify me of this issue. As soon as I received this letter I immediately called Wells Fargo and paid the overdue balance ( some {$7000.00} ) and asked what had happened. They claimed with zero proof that I had not set up recurring payments. This made no sense to me as I already had a recurring monthly payment established I was simply increasing the payment per month. I have always paid my monthly mortgage on time for YEARS and it makes no sense that I would increase a payment to only default on the following months of payment. I asked them why they had not reached out to be prior and they had no response. I asked them to look into the issue from a technical error issue and they never followed up. This event is now impacting my credit report and I've spoken with Wells Fargo about helping me remedy this issue, but they say they can't do anything. I 100 % believe that this is an issue with Wells Fargo 's website and customer portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: i received a settlement check for the following names from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX and or XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I was beneficiary number for XXXX XXXX my XXXX this was the settlement check for overdraft fees that were unreasonable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Wells Fargo denied my claim for XXXX for XXXX it was fraud I didnt authorize these to go through. Wells Fargo support has not been helping at all I actually called around 32 times this week and out of that 5 times I was rudely just hunged up on. And I opened a report with the XXXX cfpb and occ and they still dont want to help. They werent following any regulations and I want my money back asap. Or i will be getting a lawyer and telling this too all the news outlet and I will make a big deal out of this even if it cost me all my money! Another guy I spoke too was called XXXX XXXX he is the escalations representative. I called him more than 10 times and every time just went to voice mail! And I also talked to XXXX of the Senior escalation department this XXXX was the rudest of all idk why she act like she owns the world but she is the most XXXX rudest person I have ever met in my life idk if she was XXXX XXXX XXXX or had a bad day but she was extremely rude! Wells Fargo also isnt following any of the regulation that is put on bank there extremely scummy and wont tell me why my claim was denied!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had returned couches and still was being charged for them, they disregard and still harass me. adding another XXXX $ onto the invoice...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am seeking back salary from XXXX XXXX for a broker investment. In XXXX the committee Education & the workforce on XX/XX/2006 responded by resolution letter of my non profit proceeds with a broker. The broker never paid out a salary from XXXX XXXX. Wells Fargo took over these accounts now I am seeking back salary. My account ends in XXXX. Wells Fargo bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had my phone stolen from me at my gym. My online banking had no passwords and went into my account and started depositing monry from a another account that i dont know at all. I called fraud to get help and they keep denying my claim. This been going on for XXXX months now and they just keep declining and having at a negative balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS WSLFRG XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from WSLFRG XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was in XXXX XXXX, in XXXX, near XXXX. I went to use an XXXX ( local bank ) ATM. When I went to use the machine, it would only speak XXXX. A customer prompted me to put my code in and upon doing so, the machine swallowed my card. Within six minutes, three different unauthorized transactions at different ATMs, one in a different town, were made. I cancelled the card but was forced to return to the US to get a new card. I lost the card, got no money, and have been insulted and rebuffed by Wells Fargo. I applied for loss protection and was essentially called a liar ; a second person did so, and a third, today, called and told me she had spent " two days '' investigating the claim. However, I offered the police report and the name of the person from XXXX who would have confirmed that such things do in fact take place ; Wells Fargo was not interested. Two weeks ago is when the fraudulent transactions took place. Basically Wells Fargo called me a liar, will not replace the money, and that is the story. I will take this as far as I have to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2024-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Back in XXXX I requested assistance with getting a better interest rate or anything with getting a lower payment. They stated U didnt qualify. But in XXXX I received a letter stating my loan was about to be in default for non-payment. I called the lender and they stated that I had not made a payment since XXXX of XXXX ( it was now XXXX XXXX ). I asked how if my payments were automated. The representative stated they did not know. I then called my bank who confirmed that a payment had not been made since XX/XX/XXXX. I asked how if the payments were automated and taken out bi-weekly. She then asked if I did this and I stated no. With further research it was discovered that Wells Fargo did this resulting in me calling them back. When speaking with them they gave me the runaround but a young lady finally transferred me to XXXX XXXX ( she explained what the responsibilities were and believed this is who could handle the matter ). XXXX XXXX gave me the runaround but I finally spoke with a representative who stated that anyone who asked for assistance in the past six months were approved for a forebearance. I informed them that I was denied for any assistance so how was I automatically approved and why was my automatic payments stopped WITHOUT my approval. It was stated that they were doing me a favor. I reiterated that once I was denied there was NO PAPERWORK sent or any verbal and written consent from my for them to authorize this. He then stated that I am still responsible for the money that was past due. I disputed this for many months and had gotten nowhere. I asked for them to provide me with the auto recording giving them permission to stop my automated payments as the recording says that all calls are recorded. They have failed to do this. As time went on I participated in my states assistance program. I seemed the assistance from an organization name XXXX XXXX XXXX out of XXXX, Ohio was paid the money. I later called Wells Fargo back and informed them that despite me personally not paying them they received bail out money from the government to recoup the loss due to XXXX, therefore, they were double dipping and that is against the law. As of today, nothing has been done to either give the money back or subtract the amount owed due to it being their fault by illegally making our agreement void by not taking the money out as requested. Nor could they provide me with a recording to allow them to stop payment. As a result, they need to be held accountable for their abuse of power and breaking the law. Please feel free to contact me to address any questions comments or concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Several time money was taken out my account that I didn't authorize but they did put it back but still they kept let my account overdraw for no reason when I didn't even have overdraw on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A