Date Received: 2023-12-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: Wells Fargo Owes Me Money and an Apology from all the stress caused and I should be part of the class action. I Purchased my Home in XXXX and around XXXX Wells Fargo Purchased my Loan from XXXX XXXX and started changing terms ; I had till the XXXX to pay. I just dealt with it and never missed a payment. In XXXX I had to Refinance due to my divorce Decree in XXXX I had XXXX years to remove co-owner /ex-husband off my home. We chose to do sooner then Later because of his XXXX and due for another XXXX. I went though an Appraiser from Wells Fargo who was only in my home for XXXX minutes and undervalued my home and made comments. I did the leg work and walked into a random Realtors office and she did Comps and Found Wells Fargo 's Appraiser purposely undervalued my home and due to that I originally was not able to refinance. I took all my information and complaint to the Office in XXXX and they were finally able to help though it should not of been that way. I still have all the emails. In XXXX I was having issues and lost employment temp. I contacted WF and was paying my Mortgage Half/Half each month. Without Warning they kicked XXXX of the Payments back and put me into Foreclose. Even the Worker at the bank knew I made my payments. I tried to work with the Home Preservation Specialist and I was denied any modification or assistance and Foreclosure still Stood. I did not want to lose only home my daughter knew and came up with the funds to pay. The Day before It was due I came up with the last XXXX and went to the back XXXX minutes before they closed. The Manager informed me he already shut down his computer and I would have to come back in the XXXX. I had just started a new job and had to take time off the next day to pay the Foreclosure in Full. I did and the Money was wire at the Branch. Everything should have been back to Normally so I thought. The next week I came home to a Foreclosure Notice Posted on my door. With insult to injury after borrowing almost XXXX to pay money I know I paid and I was then charged legal fees after the fact. I live in fear every time I get a letter from wells Fargo or they don't post my mortgage on time and say it is late. I have called several times and get the runaround they are looking into it then they send a letter they are not in the wrong. Then they sold my mortgage in XXXX I wasn't Notified until end of XXXX and new Mortgage says I am a month behind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98271
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XX/XX/2023 spoke with customer service requesting foreclosure sale be canceled and I had not received letter with foreclosure sale date. Submitted request for mortgage assistance with income. Wells Fargo mishandled processing of mortgage assistance application and mortgage loan financing for my home. My home was financed with a line of credit instead of a FHA loan that I requested. Have spoken with the executive office XX/XX/2023 they admitted my loan was incorrectly processed Also I have not received a foreclosure letter from the foreclosure attorney. The state of Tennessee requires me to receive a notice of foreclosure 30 days before foreclosure of my home. I was told I was mailed Trial modification I never received the papers. I am being told they will not move my mortgage request from intake to loss mitigation it sitting in intake it has been there. I have submitted my request 3-4 times last 6 months. I am a senior citizen don't want to lose my house to foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Received pre-selected Wells Fargo credit card application offer for {$0.00} APR for 21 months. Applied like I have for other credit card offers, but rather than getting an approval or denial notification right away online, I received notification to call. During that telephone conversation, Wells Fargo requested all sorts of additional personal and financial information. I supplied what I could over the phone, i.e., telephone numbers, birthdate, address, SSA #, mothers maiden name, and the like. Then Wells Fargo requested even more information in the form of documentation to be sent in. I did not supply any additional information as I was concerned that it was a scam. I believed that their request was inappropriate because no other credit card company has ever asked me for that information as it was extremely invasive and onerous on me to provide. Then, I received a letter and an email denial ( see attached ). In the interim, my credit score has been affected and the denial record will remain on my credit score for either one or two years. Plus, I am more concerned that they will use my application information for some type of identity theft. Additionally, I believe that Wells Fargos offer was false advertisement, if not a scam, especially since there was no information that they would required all kinds of additional information for the application approval process. As I had mentioned, no other credit card company application offer has ever done this to me. Typically, offers are very straightforward from other credit card companies. I believe it was after the phone conversation, I applied for another credit card, which had a {$0.00} APR with absolutely no problem, and was approved online. I have an excellent credit rating. Three things I would like to happen if possible : 1 ) make sure that my information expunged from their system so it is not used for anything nefarious ; 2 ) have this information expunged from my credit score record ; and 3 ) have Wells Fargo be more specific with their offerings so that its not a false advertisement. The file attached of the application offer may not be the original that I applied to, as I may have thrown away the original. I am not sure, as for months, I received these offers and finally decided to take advantage of one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15044
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Spoke to an individual by the name of XXXX, I believe his name was who was investigating unauthorized charges on my checking account, today XX/XX/XXXX from Wells Fargo Bank. Refused to give me his last name, told me it will be on the e-mail he sends me which he has not. I opened an investigation regarding unauthorized charges on my account from " Changed Gold Coins '' XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$400.00} XXXX {$200.00} XX/XX/ {$300.00} XXXX {$300.00} XX/XX/ {$300.00} XX/XX/ {$300.00XXXX XXXX {$500.00} XX/XX/ {$300.00} XX/XX/ {$300.00} Totaling {$5900.00} in unauthorized charges. After speaking to XXXX today, he told me there were more similar transactions on my account that I was unaware of and because they sent verification authorizations to my e-mail address ( which was hacked ) and phone which I switched providers on last week because of ongoing issues, that he is deeming these as valid transactions. He asked me if I tried to reach out to the merchant I told him no because there is no phone number and I have no idea who they are. I asked him what the merchant said when he contacted them regarding this claim he told me he didn't even bother to try and contact them. This is extremely unprofessional and a a blatant refusal to try and help me with this issue. This claim needs to be taken seriously and something needs to be done to help with it. I don't care if they are claiming someone provided authorization via e-mail and/or phone for these charges, it was not be and I expect my account to be handled accordingly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03038
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: We deposit our money with Wells Fargo. However, their poor fund management led to the theft of {$40000.00} from my fund. And someone else stole my PHOTO ID to take the money, And the bank does not cooperate with the claim and recover the funds. We have reported it to the police and they have been involved in the investigation of this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
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: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Yesterday, I went to the XXXX XXXX of XXXX, XXXX, TX to trade in my XXXX XXXX XXXX for a certified preowned XXXX XXXX XXXX XXXX. The process took several hours and when I finally met with the finance person, he was overwhelmed with loans and was pressuring me to hurry and sign the paperwork. I was NEVER shown the itemized breakdown for these charges. I was only shown separate papers with the agreed upon price of the car, the pricing for maintenance plan and warranty, my trade-in value, interest rate and my monthly payments based on that information. I had to agree to each of them separately. When it was time to sign the official documents, the finance person switched between two different screens, a tablet and computer screen, to have me sign the documents. I think he deliberately hid the full view and tried to confuse me about what I was signing. He said he would email me the entire document. When I finally saw the document in full after the dealership was closed, I realized that I was overcharged and even charged for items I never agreed to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
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: I XXXX XXXX XXXX in XXXX, Utah. We mailed in our rent checks to the landlord. Someone stole the mail from the landlord or had access and they cashed my business checks for rent at a third party bank, XXXX XXXX We had to pay our rent on top of losing almost {$10000.00}. Wells Fargo has ignored us for over 2 years and never tried to rectify the situation. they never credited our account. They never returned phone calls. They never verified the transaction or the checks when the fraud was committed. they allowed a third party to cash the checks against a personal account and not in his name. Wells Fargo never reached out to us regarding the checks and they allowed them to be cashed. For XXXX years, we have been chasing Wells Fargo for answers and our money back. We are constantly ignored. We never received our money or a credit. We had to pay our rent on top of losing the money. Due to XXXX related problems and no XXXX loan, we shut the business down. We are still our {$9800.00} from Wells Fargo cashing our checks to a personal account that is clearly fraudulent. As of now, we demanded help again and they assigned a NEW person to work on our issue and we still have no answers or cooperation. Wells Fargo will not share the information with XXXXXXXX XXXX for us to follow up on. They will not provide any information in writing as of now. Wells Fargo never returns our calls and have been very difficult to work with. They asked us to get notarized affidavits, make personal statements and more. We have done everything they requested only to have them ignore us and not retrieve our funds. I am very concerned that I will not get my money back willingly. Wells Fargo is making no attempt to fix the situation over XXXX years. I am going to have to find an attorney to sue them for my money back that they allowed to be given away to an individual at a third party bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
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: Managing an account
Subissue: Banking errors
Consumer Complaint: To see whatever happened with my Wells Fargo account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submitted a claim for the transaction below and the bank denied my claim. They deemed me responsible for transactions that I did not make or know of who could have made these transactions. 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I accessed my Wells Fargo online banking for the first time. I noticed on XX/XX/23 a transaction withdrawal via an wire transfer for {$94000.00}. that I did not authorize or do and a {$40.00}. Fee for processing the transfer {$94000.00}. transaction and a pending transaction for {$38000.00}. A total of {$130000.00}. had been taken from my Wells Fargo checking account I immediately called the number on my debit card and was transferred to the fraud department and spoke with XXXX, she closed the account, issued new checks, said she could not stop/block the pending {$38000.00}. because the person presented a withdrawal slip at the counter. She told me I needed to go into a branch bank and speak with a banker about the {$38000.00}. I ask where the transactions took place, what type of ID did the person show, she said she could not give me that information. She stressed I needed to go into a branch bank. I explained there are no Wells Fargo banks in WV closest one was 100 miles away in XXXX VA. She also told us to call the local police to report the theft, we did! On XX/XX/23 my friend and I loaded my wheel chair and we drove to Wells Fargo in VA when we arrived they said we needed an appointment, my friend loudly stressed the urgency of {$130000.00}. given away by Wells Fargo, we were told to come back at XXXX We set in the parking lot for almost 4 hours and went back into the bank & and we met with XXXX XXXX a banker , he checked my drivers license, my military ID and my SS card as well as glanced at my Wells Fargo debit card and my vehicle registration, he ask where I originally opened my Wells Fargo bank account XXXX I opened an account with XXXX in XXXX NJ before it was Wells Fargo. He called someone to report the {$38000.00}. and mentioned the {$94000.00}. transaction, he gave the person on the phone the case number given by XXXX on XX/XX/23. The person kept the banker on the phone for nearly 2 hours, he ask the banker if I came into the bank in a wheelchair, the banker responded Yes, he is the one with the wheelchair after nearly 2 hours all we got was another fraud claim number and was told to go back to the Wells Fargo bank branch where I originally opened my checking account because that is where my signature is on file. We reloaded my wheel chair and started the drive home with another fraud claim number, which could have been done via the phone, they just wanted an image of me on their camera going into one of their banks Since the in person bank visit, I have been harassed via the telephone by a XXXX XXXX claiming he is the bank president, at all different hours of the day and from different numbers, he forcefully tells me that did the transactions on XX/XX/23 He sent letters requesting my signature, he then sent a letter saying the matter is closed because they could not get the other bank to give the money back to them and my money can not be replaced. {$130000.00}. Since this has started my blood pressure has risen, I can not sleep at night, I have horrible headaches. Being harassed, abused by a bank is absurd. I am a XXXX Veteran of the XXXX XXXX and I do not suffer from any XXXX related illnesses, but Wells Fargo employees have tried to treat me like I do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26501
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A