Date Received: 2023-12-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I applied for a conventional loan at Wells Fargo Bank and it was pre-approved. But, when I made a purchase contract, the loan was denied. Wells Fargo wanted to change a conventional loan to a FHA loan. But I was approved for a conventional loan. XXXX, the loan was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: Wells Fargo home mortgage failed to report all payments made on current mortgage to credit bureaus. Wells Fargo refused to remove the mortgage from bankruptcy after discharged due to XXXX XXXX bankruptcy in 2011! Wells Fargo denied refinancing, unable to sell home, once again due to discharged bankruptcy in 2011! Home mortgage is locked into a bankruptcy that was discharged in 2011! Unable to navigate financially due to failed reporting, negligence and lack of customer service. Mortgage has been bought out now by XXXX XXXX, to which is still now locked into a bankruptcy case with a new lender! Requesting to be part of the class action settlement of Wells Fargo, for inaccuracy negligence rude disrespectfully being treated for years due to a divorce in 2011! Please consider this case into the class action suit as Wells Fargo home mortgage will not and has not communicated with me the homeowner with a discharged bankruptcy that was a XXXX XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I needed to talk to XXXX about sending some money so I looked up their phone number on XXXX and called them. I told the XXXX employee that answered the phone what I wanted and he said he could help. The problem was that he was not an employee of XXXX but a Hacker. He instructed me on what I needed to do and thinking he was a XXXX employee I did what he said. He said this would take a couple of days to get this done so he would call me each day for us to continue. This was on XXXX, and XX/XX/2023. I became concerned and went to Wells Fargo and they told me I was being hacked, and I had lost {$6100.00}. from my checking account. The helped me to file a claim with Wells Fargo which was denied. We later filed a second claim and it was also denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX/23 I discovered my checking/savings accounts were violated. The total amount was {$6000.00}. Which includes my checking/ savings accounts. I notified Wells Fargo claims department who documented claims. The claims department advised me to close my accounts and get my phone checked for suspicious activity. XX/XX/XXXX23 I went to my local police department they advised me to go to my bank Wells Fargo to close accounts. Same day went to my bank spoke to XXXX XXXX. She reviewed claims said it would take 8-10 business days on XXXX/XXXX/23 I received a letter from the fraud department stating these XXXX transactions were authorized by me and no processing occurred. As such Wells Fargo closed my case. XX/XX/XXXX I met with the manager advising her that I never authorized the XXXX transactions. In fact I never used XXXX services. The branch manager indicated she would escalate my response to obtain a resolution. XX/XX/XXXX I received a phone call from XXXX in the fraud department the claims were denied and she could refer me to another department. She could not assist me further.I went back to the bank the same day. Spoke to XXXX XXXX I wanted the XXXX account removed. She told me it couldnt be removed and claims were closed. She was unable to help me further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was promised a job and training with the company XXXX XXXX XXXX. They said they would need to get me started with computers and programs and applications that cost money. They sent me a check of {$9600.00} and they said the only way to get the supplies was to deposit the check into my account. Which I did at an ATM connected to XXXX called XXXX in XXXX installments because the amounts were so high. They are Sequence XXXX XXXX XXXX XXXX XXXX for {$5000.00} ; Sequence XXXX XXXX XXXX XXXX XXXX for {$2000.00} ; and Sequence XXXX XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I sent the money thinking I was going to get computers, apps, and programs for my new job because Wells Fargo said I had deposit availability of {$2500.00} available immediately, while the rest of the money {$7100.00} was available XXXX. So, I thought everything went through. I then got a warning on my card that said I was overdrafted and that the check noted as : XXXX counterfeit check XXXX XXXX w/o XX/XX/XXXX SVC XXXX XXXX XXXX was posted to my account. Wells Fargo did not warn me until it was too late and I already deposited and used the funds. I thought I had the money in my account because they said I did at the time. There are XXXX claims I have with them : XXXX XXXXXXXX for the high dollar amount and the other one is a {$500.00} claim with XXXX at XXXX XXXXXXXX. I called up Wells Fargo and let them know everything, even the check number. I just received XXXX new checks in the mail from the same distributor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX with amounts of {$4900.00} check XXXX XXXXXXXX and {$4800.00} check XXXX XXXXXXXX. Please help! My accounts are overdrawn and I lost my checking and savings over this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: I was initially XXXX, XXXX, XX/XX/XXXX informed about a 10 % down payment, a 20 or 25-year term, and a repayment period per XXXX of 3 years. However, with just 6 days left until closing, Im unsure if this is appropriate or not. Wells Fargo has already deducted {$6200.00} from my account for the appraisal and other costs. Surprisingly, they are now insisting on a {$30000.00} 2nd on my DE beach property and additional down payment to cover a valuation shortfall. Beyond the concerning low appraisal, which doesn't align with property comparables bc they arent metro accessible like the property Im trying to purchase, there seems to be an unsettling pattern that puts me at a disadvantage. As an XXXX American female business owner, the persistent low appraisal raises suspicions of an ongoing tactic to extract more funds for the closing. I had a previous low appraisal for another property by Wells Fargo and covered the {$75000.00} and I think this same ploy is being used. Im supposed to close on XX/XX/XXXX please help. Loan # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Using Wells Fargo online Bill Pay, I scheduled a payment of {$2700.00} to be sent on XX/XX/23 to my XXXX credit card. On XX/XX/23, I received an automated email message from Wells Fargo indicating that a payment of that same amount ( {$2700.00} ) had been sent to " mobile. '' I immediately accessed my checking account and found that the payment had been sent to an account and was marked as XXXX I do not have and have never had a XXXX account. I contacted Wells Fargo -- the account was closed and a fraud claim was filed with the bank. In several subsequent interactions with Wells Fargo, including a XXXX call that included a XXXX representative, it was confirmed that -- ( i ) the account number to which the payment was sent is not an existing XXXX account, ( ii ) the mailing address for the Payee listed in the account information is not associated with XXXX, and ( iii ) i have never had an account with XXXX or predecessor company XXXX. Despite this information, Wells Fargo has denied my claim and has stated that I initiated the payment and that the payment was sent to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XX/XX/XXXX, I wrote a check of {$500.00} to XXXX XXXX XXXX for his service in my bathrooms. He deposited the check the same day to his account in Wells Fargo bank and my bank account had a withdraw of that check in XX/XX/XXXX. XXXX XXXX received a notice that an insufficient fund from Wells Fargo bank and it won't be available until XX/XX/XXXX. Even though we Wells Fargo banks was contacted for several times and did not explain to us why there was such a delay. This morning, XX/XX/, XXXX XXXX and I went to a branch near me and spoke to XXXX XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX CA XXXX. He rudely dismissed us and restated that the money would be available only in XX/XX/XXXX which is 13 days after the deposit and the withdraw from my bank account. My bank is XXXX XXXX and the branch I used is at XXXX XXXX, XXXX, CA XXXX. XXXX XXXX. XXXX XXXX stated the withdraw was successful. XXXX XXXX was upset by the statement from Wells Fargo bank that this check had insufficient fund. And the false statement from Wells Fargo regarding to " insufficient fund '' tarnished our company 's reputation. In the mean time, Wells Fargo seems to have no delay on depositori and receivers with no XXXX or XXXX names. My in-laws with last name XXXX deposited a {$4500.00} check in her Wells Fargo bank XXXX XX/XX/XXXX was treated differently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, I received a notification from a credit monitoring service that one of my credit card limits had been decreased, after looking further I saw that it was Wells Fargo Bank who decreased my credit limit from {$11000.00} to {$8900.00}, leaving me with {$100.00} in available credit. I received absolutely zero written or phone communication warning me of this change. I had available credit and have never once missed a payment or even paid a day late. After speaking with multiple representatives, I was told the letter informing me of this change was sent on XX/XX/XXXX. The letter was sent one day before the change became official on XX/XX/XXXX when my statement closed. This all but ensured I would not have any prior warning and no recourse. They have not been able to furnish any reason why and in fact my credit score was up XXXX points before they made this change, now damaging my credit score I have been working to repair. It was arbitrary at best and cruel and dangerous at worst. To get my credit limit reinstated I am being asked to reapply for a credit limit increase and subject to a hard credit check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97217
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been battling XXXX XXXX XXXXXXXX this past year and have had limited access to internet, email, and mail communications. I have notified my bank and requested all communications be sent via text alerts, messages, or calls. I have added every alert I was able to on my accounts. Despite this both my business account ending in XXXX and personal account ending in XXXX ( the latter I have had for over 40 years ) ( And the former for almost 25 years ) were abruptly closed @ 10 days ago without any notification via call text, or message. As soon as I noticed this I called and have been unable to gain access to my transaction history which they have denied me despite the rules state they have to give me access to my closed accounts for 90 days. I have been a customer in good standing all those years, a couple of months ago an older wealthy patient sent me a check for {$10000.00} that he had inadvertently missed some withdrawals such that there were insufficient funds in the account at the time the transfer. But he quickly rectified the situation and Wells Fargo had left a note that they would try to recover the amount again in 3 weeks but apparently tried to recover the funds a week or two early when the patient had just rectified the situation and the monies had not yet posted and the bank claimed to have returned the check to his bank which his bank never received it and it took a few months to sort it all out and get the money rewired to my account. During that period of time all XXXX broke loose with my accounts and despite my attempts at the Bank with my manager who also saw that the bank had said it would retry to cash the check in 3 weeks it then changed its mind and supposedly sent the check back. Bottom line is that when an account is closed I am supposed to have 90 days to access the transactions and transaction history which has been denied to me after these accounts were closed. I am requesting immediate access to my account transactions for the next 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A