Date Received: 2023-12-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: In 2011 we were given an offer to redo our loan so we could afford the payments. They did not XXXX or that, took back the offer and we had to go bankrupt and short sell the house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98372
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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: XX/XX/XXXX - Order confirmation. Lead time is noted XX/XX/XXXX - Email with customer service verifying production complete but shipping delayed XX/XX/XXXX - Email from XXXX XXXX notifying us of the company being sold/dissolved. We used the order lookup tool regularly to see the status of our order. I googled to find the name of the XXXX XXXX and filed a claim in early XXXX A status was also posted on their website and updated until XX/XX/XXXX. XX/XX/XXXX - Confirmation of claim and claim form XX/XX/XXXX - Received notification from XXXX XXXX alerting us about the XXXX XXXX. Note we had already filed a claim. I called the XXXX XXXX in XXXX and was told the claims would not be reviewed until XX/XX/XXXX. In XXXX the XXXX XXXX lookup tool was updated to indicate our order would not be fulfilled. I called Wells Fargo to start the dispute process and was told there was nothing that could be done with Wells and that I had to go directly to XXXX to see if that benefit was provided. XXXX said it was not. I called the XXXX XXXX again XXXX and was told the claims were under review but that no information was available. XX/XX/XXXX - XXXX XXXX website was updated to indicate no claims will be paid. A dispute was opened with WF. We were told that the XXXX process was to contact the original institution and if no response was received in 120 days the charge would be refunded XX/XX/XXXX - I called and was told that XXXX had submitted the claim in early XXXX and that the 120 day window would expire XX/XX/XXXX XX/XX/XXXX - An email was received stating a different window for resolution. I was confused but didnt call in XX/XX/XXXX - Called to confirm refund was in process. Was told XXXX never accepted the claim and due to a system glitch no one at XXXX noticed, took action or notified me. I was informed they would start their own process that had a 45 day window, but that it was also being escalated to management to see if anything could be done internally. I was told I would be notified in 24-48 hours XX/XX/XXXX - I called today and was told my claim was denied and closed due to the length of time between now and the purchase This is unacceptable. I was given incorrect information multiple times by WF and now they are participating with XXXX XXXX in stealing {$4700.00} from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and see I unauthorized inquiry on it from WellsFargo. I never applied for any services from this company. This is affecting me from getting other credit please remove this. This is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and see I unauthorized inquiry on it from WellsFargo. I never applied for any services from this company. This is affecting me from getting other credit please remove this. This is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My signature card funded account which they still took my debits and gave no credits for debits and credits I wan na see full accounting both sides of ledger they will not show. XXXX loans not in excess of XXXX ajar interest fees and charges are permitted. Anything under XXXX I should not pay for trade of essential goods and services to a natural living man. You took all my deposits I had XXXX accounting since I opened account in XXXXYou are civilly liable to me usc 16404 ( 1 ) 15 usc 1611 its a right for me to have unlimited credit and you continuously have denied me an extension of my credit I want a return of my credit applications I have a right of recission. Or we can split it whatever amount you have made on my application half n half I need equity. U had no right to close my deposit accounts and take my deposit if my account is fdic insured it says every acct is fdic insured not only for bank failure but your failure to disclose your selling my securities every time I apply for credit breach of fiduciary duty
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I am having issues with my Wellsfargo lender and do not understand why the new modification interest rate went to 6 % when I have a 3 % rate. so the payment is too high for me I am asking for help this modification is not help. I do not understand how they can offer me a covid relief program when this is not going to help me it will only benefit my lender the interest rate went up 3 % more. I believe that they are taking advantage of me the borrower. I do not know if this is legal for the lender to do to me a borrower this all I do know is that the loan is insured by FHA. I think that they do not care to save the loan do to they are insured by FHA if this is the case its illegal. All I know is that I feel discriminated by my lender because all I know is the modification they offered was to benefit the mortgage company. I feel that they are discriminating me and taking advantage since I am not aware of the laws that are suppose to protect me I hope someone can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received an email notification from Wells Fargo that my debit card had been " turned off '' as requested. I did not make this request, and it prompted me to view my accounts through online banking through Wells Fargo. Upon logging in, there were unauthorized transactions that included a total of {$10000.00} transferred from one checking account to another, and then pending charges from my debit card to " XXXX '' ( {$3000.00} and {$2000.00} ), which cleared on XX/XX/XXXX. I immediately called Wells Fargo and filed a claim and froze my accounts. Since I did not request to have my debit card turned off and the email did not include a reference number, the representative said that I had to go into the local branch to change my account numbers. I did this on XX/XX/XXXX, which was as soon as possible with my work schedule. I was contacted by an investigator from Wells Fargo who asked me general questions about my banking routines ( e.g. how often do I log in ). However, they did not ask in-depth questions related to the account transfers or about " XXXX ''. I have never had business with XXXX, and this is evident in my account history. It's my understanding ( after a simple XXXX search ) that this company is a money transferring service to other countries. I was informed XX/XX/XXXX that my claim had been denied. They provided no further information and stated that I had to request the investigative documents to be sent which would take 30 days. They said there is no appeal process and it had been deemed that I authorized the transactions. I asked how they came to this conclusion because it is blatantly false. No further information was provided. I escalated the call to a manger. The only option was to have an investigator call me back. Since then, I have filed a complaint with the local Wells Fargo branch and the AZ Attorney General XXXXs Office, and consulted with an attorney. I was asked if I had filed a police report by the initial investigator and I informed him that I would be happy to, but did not know if I needed to since the dispute was in their hands. He had no response. I have since filed a police report with the XXXX Police Department. I have been banking with Wells Fargo for well over 20 years, and I have been fortunate to not experience this before. However, they have questioned my credibility and made me feel like a criminal rather than the victim. It is clear that someone had unauthorized access to all of my accounts, as well as my debit card number, which was in my possession. This is terrifying and they are not offering any assistance. I would imagine this happens to millions of people, and I hope they are treated the same way as an honest citizen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is the second attempt that has been made to move money from my brother 's bank acct at Wells Fargo XXXX XXXX XXXX XXXX, Virginia. The first transaction failed after bouncing around for XXXX weeks. The bank told me that they could not transfer USD to XXXX because my bank would not accept USD ( this despite having received several bank transfers without issue from other banks ). They instructed that we needed an intermediary bank. So, I arranged for an intermediary bank so that the funds could be sent USD to USD. XXXX details were provided to the employees at the bank, yet they sent the funds at XXXX. This error, once the funds had to be changed back into USD, equates to a loss of {$3700.00}. We have asked them to correct this error, but have had no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Good Day i'm writing this complaint against XXXX of the worst banks in USA, Wells Fargo closed my account in bad faith, stating a violation of credit card usage/transactions called them many times regarding balance and reward no one answered, went a couple of times nobody help I don't owe any money/balance on this credit card let Wells Fargo send it to collection or court their fault has to be held accountable, this bank has too many cases against them one of worst bank in USA against never pay money, I don't owe
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: I loss my home because Wells Fargo could not complete the loan modification process this all started back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60187
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A