Date Received: 2023-12-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I attempted to do a mortgage modification and was approved in 2017. However, they kept asking me for additional documents which I kept providing, but they never completed the modification. I have emails stating that I was approved, but I eventually lost my home due to them no longer communicating with me. I have received a check for {$200.00} from their remediation department, however I'm owed much more due to the fact that I lost my home. Nobody at the company seems willing to help me in any way, and previous attempts to resolve this have ended up nowhere, including previous complaints with the CFPB. I will be contacting a lawyer, however I would like to resolve this as soon as possible without needing to file a lawsuit. Every time I call Wells Fargo, I'm told they can't assist me with this, no matter which number I call or which department I speak to. Some people receive checks for over {$10000.00} and I only received {$200.00}, this is a slap in the face to someone who should be fairly compensated for being scammed by one of the world 's largest banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX XXXX, WELLS FARGO XXXX XXXX, XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, WELLS FARGO XXXX XXXX, XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXX, WELLS FARGO XXXX XXXX, XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX, WELLS FARGO XXXX XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish 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 inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Everything started on XXXX XXXX XXXX I started getting text messages from the bank with verification codes asking to verify my identity following that I received XXXX phone calls saying they needed to verify my information since I was on a public place that was very loud they couldnt hear my I said I was going to call back and that I was not trying to make any transactions, I continued to get messages from Wellsfargo with verification codes through XX/XX/2023, on that day I got a call at XXXX form a local are code and it saying Wellsfargo on the caller ID I got the call and the person speaking identify him self as a XXXX form the bank that he needed to verify some information and that I could give him my login account and my email, to which I answered no that I will call the bank to see what was it that they needed from me which we answered good lock with that. Immediately after hanging up I call the XXXX number from the back of my card and somebody answered and I ask that i needed to know what was going on with my account that I think somebody was trying to take money from it without my authorization in which he responded let me have your business account number and I said I have XXXX accounts my personal and my business but I didnt know which one had the issue he said give me both and I responded dont you have it there and he said yes but they are covered, I was a little hesitant to give my bank account but since it was me the one who maid the call I gave it to him and the he ask for my phone number and I said is the same Im calling from and he said is in case the call gets disconnected and I have it to him, as soon as I gave him both things he ask for he proceeded to transferred my call to someone that was going to help me with the issue I had and the call immediately he transferred me got disconnected. As soon as that happened I had a feeling that something was not right and I got on my online banking and the had just withdrawn XXXX from my business account when I first saw the transaction it appeared like if it was a check which I do not have checks on my accounts ; I immediately call back and asked what was going on and nobody could help me nobody new the answer to that and that I needed to wait for the transaction to cleared out I said that that was not an authorized transaction that it wasnt me who may it and that I needed to fiel a complaint ant I need to talk with somebody because that was fraude and that I was suspicious that it was somebody from inside the bank because I never gave my information to nobody except when I call the bank and gave the account number and the phone number the said that they where going to file my complaint and that I needed to wait for 10 days and they gave me a case number. After those 10 days passed I call again to ask about the case I gave them the case number and they said that number didnt exist and that there was no complaint field, so I explained again what happened and they said that now the complaint was made and that I had to wait again another 10 days. I think 2 days passed and I was not happy with the situation so I when to the branch near me to ask about my case with another new case number and they couldnt find anything with that number, the XXXX came and to help to see what happened and after a while he was able to locate all the calles I made with the complaints but he said that everything was done wrong and that he was going to help me with that we finally field the complaint and he said to wait 10 days again. By now the transaction was already cleared but now it was not showing that it was a check but that it was a withdrawal from a branch in XXXX a city in XXXX where I live and that it was made with the card and the pin I told them that that was impossible because I have the card and I dont even use it I dont even now the pin, he said that wait for the claim response, and finally yesterday I got a letter from Wellsfargo saying that they denied my case and that the transaction was authorized, I then proceeded to call the bank again and they said that the case was already closed and that the investigation was final decision and that they could reopen the case, I asked for the investigation documents and that I needed to see the cmaras all the cctv videos from that day because I have never been in that branch before, the representative said that they have proves of my signature and the security questions and that the ID was provided on with the transaction, that if I wanted to speak with the investigator he could contact me, I agree and ask for his name but she said that was confidential so I asked how can I be sure if is really from the back if I dont know the name, but anyway I agree to get the call. When this person contacted me he wanted again my bank account information in or there to verify it was my I said I was not going to give no more information over the phone that he was the XXXX calling and he knew it was me, he became really rude and I said that if I have to take this issue to court I would do it and he hang up on me say the no longer couldnt speak to me, hours later I got XXXX calls from Wells Fargo again and every time I would answer the call would get disconnected and after another call I didnt answer they left me a voicemail saying something about my complaint and that I needed to call a number that he gave on the message which I didnt because at this point I XXXX thats that bank and I dont really know who is from the bank and whos not. Thank you for your time I really really want this to get solved because is not fair that you trust your bank and you think your money is secure in a place and is not and they can do whatever they want, I really want to see the video from the branch they took the money and to investigate that branch XXXX, I forgot to mention about how I now on what branch was it and it was on XXXX of the calls I made XXXX of the representatives gave me the location, and I want to clarify I have never ever been in that bank before and I have my id with me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b-2 company also has NO permission to report ANYTHING using my info pursuant 15 USC 1681 4. Wells fargo dealer services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: CFPB Complaint in Response to XXXX Letter dated XX/XX/XXXX This letter is in response to XXXX XXXX recycled redundant non-substantive findings after another hollow disingenuous investigation of the facts. At the outset, XXXX acknowledges receipt of my hardship letter and request for a modification on XX/XX/XXXX but does not respond to the first modification request until XX/XX/XXXX ( 5 months later without an explanation for the delay ). Interestingly, notwithstanding multiple requests for a modification from XX/XX/XXXX through XX/XX/XXXX, as well as in XXXX CFPB complaints, XXXX has NOT included a single document submitted by the borrower for a modification, nor is there a single document of the alleged investor guidelines used as the basis for the denial. Instead, the review repeatedly concludes ad nauseam that you did not meet the requirements for a particular program or you did not meet the investor guidelines, but does NOT provide any written documentary evidence of what the investor guidelines were. Sadly, XXXX has not and can not provide a good-faith basis for the denial supported by documentary proof of the investors guidelines together with the borrowers records submitted with the multiple modification applications. The XX/XX/XXXX alleged review refers to the identical letters it sent with its alleged reviews dated XX/XX/XXXX and XX/XX/XXXX, both of which are devoid of the written investor modification guidelines or the borrowers documents submitted with the modification requests. XXXX claims the loan was a private loan that did not participate in the XXXX XXXX XXXX XXXX ( XXXX ) but does not provide any written proof of the same. Even assuming the investor did not participate in XXXX, that does not relieve the investor of its duty to provide proof of the investors written guidelines together with the multiple modification documents submitted by the borrower. It is well established that the wrongful denial of my multiple requests for a modification fits squarely within the period between XXXX and XXXX wherein Wells Fargo failed to detect errors in its automated system to determine whether consumers in default would be eligible for loan modifications with XXXX XXXX or XXXX XXXX, or under the XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Equally untenable is Wells XXXX allegations that it was unable to reach me. I responded to all of its calls and letters. Wells Fargo has failed to mention which documents were not provided. Further, as mentioned in my complaints CFPB Case Number XXXX and XXXX, XXXX XXXX argument that XXXX XXXX on or about XX/XX/XXXX was based on the XXXX is equally meritless because the XXXX valuation took place more than 7 years after multiple wrongful modification denials beginning in XX/XX/XXXX. Wells Fargo can not hide behind a denial directly related to its XXXX years of dilatory actions and wrongful denials.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have repeatedly disputed incorrect information on my Wells Fargo account, and as early as today, I submitted my dispute, and they removed only one late. Please help to remove the remaining lates and restore my account to paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I attempted to send {$110.00} via XXXX from my wells Fargo account to a local service provider. The person misspoke and have me the wrong phone number. They realized the mistake within seconds, and I was on hold for the bank less than XXXX minutes after the transfer was started. The bank told me it would take 10 days to resolve the problem, but XXXX weeks later they told me they could not do anything. I complained to the XXXX, and received a call from the bank. The person who called said they could fix it, but would need another week. A week later, she called back to say they couldn't fix it. I asked her to file a police report and press charges since the person who received the money had accepted it, and this committed fraud and wire transfer fraud. I also pointed out that the person refused to answer my calls because they know I'm trying to get my money back. The agent told me the bank would not assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: These transactions were deduxted from my account the day I did them and then when I got a direct deposit from work it was deducted again. The bank told me it was because it was just pending and now its being posted. So why was it deducted twice then? Transfers from my checking to savings, the same explanation. Thats a lie and I want people arrested. Now they say I overdrawn {$89.00} and for one, I cant overdraw, thats why its been denied for insufficient funds. Secondly, they are also old transactions. They are deducting from my account twice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Around XX/XX/, Fraudsters, Scammers & Hackers, under fake identity, tricked & transferred US {$50000.00} of my funds, from my Wells Fargo Bank account to some foreign bank account, in their premeditated, elaborately planned & executed online cyber crime, in stealing & defrauding my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55378
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Back in XXXX I faced foreclosure due to the actions of my soon to become ex-husband. I was in constant communicaton with Wells Fargo who advised me that once I got the divorce finalized that then I could go through the loan modification process, getting the house put in my name and refinancing for a new start. Then once the divorce was final they then said never mind and refused to modify the loan and started the foreclosure process. To avoid foreclosure I worked with a realtor for a short sale which they took over 6 months to approve and we almost lost the buyer. Once they approved it we had to be closed within a couple of weeks!! This meant we then had little time to find another place and ended up paying the buyer {$3000.00} to rent it back for a short time so we could find something and move. Fast forward to now and I just recieved a {$200.00} from Wells Fargo with a letter saying they had identified that when the loan was considered for payment assistance options an error may have occured. This cost me FAR more than {$200.00}, losing our family home and having to rent for the last 8 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A