Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX XXXX $ over draft fee XX/XX/XXXX? XXXX XXXX $ over draft fee Many of these over draft fees were incurred form charges that range from XXXX $ XXXX $ I have spoken with Wells Fargo several times to ask them to look at my account to resolve the issue of them allowing them to overdraft my account. I was told that the charges that are made do not post from the merchant until the next day. I was confused as to why they could not stop payment and just decline rather than allowing charges to ram up on my account. The balance that is being shown in my account through the app is never what's really there. I would not make a purchase if the money isn't there. They were saying there online banking was running. assist if you can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I found out XXXX days before my house was to be sold at the courthouse by a well-known realtor about the situation. I did get a letter from an attorney but did explain this was Wells Fargo line of credit. I had called chase my main mortgage company, XXXX times they said they did not know anything about the foreclosure, if it was Wells Fargo, they were to notify XXXX, but they did not. I started off talking about foreclosure, then went to reinstate, then preservation and modification. I never got the same answer from anyone I talked to, even on the same day. I was finally given a modification letter on XX/XX/XXXX, but that did not mean that was my payments. On XX/XX/XXXX Wells Fargo told me to pay XXXX and it would take me out of foreclosure, well just like the whole situation that was a lie, but XXXX said customer service made a mistake, but nothing could be done about it calls were recorded for training, and Wells Fargo would address it with the rep on the phone. On XX/XX/XXXX I was told I had to come up withXXXX but again that was wrong. The first time I was told I had to have a friend or family member give me their statement from a XXXX plan to get it out of foreclosure that was wrong. As of XX/XX/XXXX, I still have not got the final paperwork that shows my house is out of foreclosure, they are behind they are working on or another 10 days. Wells Fargo has a reputation for unethical practices, and I have fallen victim to their shenanigans. I counted XXXX different phone numbers I have for this department, and you can call all XXXX in XXXX day and get a different answer. Last week Customer service called from Wells Fargo, employee told me it sounded like some fraud was going on. XXXX make any more payments until I receive some official paperwork. There must be someone somewhere that can help me. The last correspondence I got from Wells Fargo was a letter with a XXXX check asking me to write and tell them how covid affected me in paying back this loas. XXXX in the Executive office said I did not I want someone to pay for all that I have been through. No XXXX single women should be left homeless. When you have so many departments to talk to and none of them communicate with each other it leads to a breakdown in communication. I found out 2 days before my house was to be sold and did everything I was asked of and it took XXXX hours before house was to be sold before I found out it was not. Then Wells Fargo put it back in foreclosure the next months because I had to talk to : Foreclosure House preservation Modification Reinstatement Forebearance Customer Service in Executive office I had nothing to do with the country shutting down for 2 years doing Covid. With loss of job For what all I have been through I want Wells Fargo to write off I do not want to deal with them any longer. Interest rates are at an all-time high, can not be refined, so what else is it to do? This has been. I found out XXXX days before my house was to be sold at the courthouse by a well-known realtor about the situation. I did get a letter from an attorney but did explain this was Wells Fargo line of credit. I had called chase my main mortgage company, XXXX times they said they did not know anything about the foreclosure, if it was Wells Fargo, they were to notify XXXX, but they did not. I started off talking about foreclosure, then went to reinstate, then preservation and modification. I never got the same answer from anyone I talked to, even on the same day. I was finally given a modification letter on XX/XX/XXXX, but that did not mean that was my payments. On XX/XX/XXXX Wells Fargo told me to pay XXXX and it would take me out of foreclosure, well just like the whole situation that was a lie but XXXX said customer service made a mistake but that was of on well Fargo side.. On XX/XX/XXXX I was told I had to come up XXXX but again that was wrong. The first time I was told I had to have a friend or family member give me their statement from a XXXX plan to get it out of foreclosure that was wrong. As of XX/XX/XXXX, I still have not got the final paperwork that shows my house is out of foreclosure, they are behind they are working on or another 10 days. Wells Fargo has a reputation for unethical practices, and I have fallen victim to their shenanigans. I counted XXXX different phone numbers I have for this department, and you can call all XXXX in XXXX day and get a different answer. Last week Customer service called from Wells Fargo, employee told me it sounded like fraud was going on. make any more payments until I receive some official paperwork. There must be someone somewhere that can help me. The last correspondence I got from Wells Fargo was a letter with a XXXX check asking me to write and tell them how covid affected me in paying back this loas.. XXXX in the XXXX office said I did not get a check. On XX/XX/XXXX XXXX XXXX called me to quote We are through with the modification, but you are behind on a payment.. Quote I called you XXXX weeks ago and asked where my payments were going and ask you where my payments were being posted. I also called XXXX in the executive office, and she did not return my call.. XXXX XXXX wonted to tell me Well I call you many times and youre not answer, so that is the reason you did not call me back. Everything I asked XXXX XXXX about he had an excuse, and it came back to me being in the wrong. All the time as I have talked to Wells Fargo should someone not have told me some of these things. On XX/XX/XXXX, I talked to XXXX she demanded I pay XXXX or the modification would be cancelled. The modification should have been complete when I made my three trail payments. Now XXXX is saying that is not true even though XXXX in the XXXX office said she sent the modification papers to me already. XXXX told me on XX/XX/XXXX, that I had to pay XXXX but he did not know why. He will let me know in 10 days. XXXX also told me if I wanted a statement, I need to order it myself, he did not furnish that to me. Bottom line I still do not have this issue resolved after 10 months. Phone calls XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX Foreclosure XXXX XXXX XXXX XX/XX/XXXX, XXXX also XXXX XX/XX/XXXX left XXXX XXXX message did not return call. XX/XX/XXXX left XXXX XXXX message did not return call. XX/XX/XXXX XXXX asked for medication letter you will get in 10 days we are behind. I have many more calls that were recorded but Wells Fargo will not send them to me. As of today XX/XX/XXXX. I still do not have modification papers, or the message and how many times I have called to get this Correct. On XX/XX/XXXX, Wells Fargo cancelled the modification and did not inform me until XXXX. I have made payments, but I have modification would be ready in XXXX, XXXX, XXXX, they were behind. As of XXXX I still do not have modification papers, but they have cancelled the modification. Wells Fargo has an F rating and is number XXXX in the XXXX worse banks. They have billions of dollars in fines, I want them to take some of those billions and pay off this loan so I will never have to deal with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I believe that Wells Fargo was showing that my account was at a negative balance when I, in fact, had money in my account. I also believe this lines up with the current legal action taken against Wells Fargo in regards to their unethical banking practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is the refilling of my complaint to WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Denial of Credit Request Under UCC 2-325 Case number : XXXX DEFAULT JUDGMENT FOR NON- PERFORMANCE Dear WELLS FARGO, I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent denial of my request for a " Confirmed Credit '' under UCC 2-325. I submitted my request for a " Confirmed Credit '' with the understanding that it met the necessary criteria and requirements, as specified under the Uniform Commercial Code ( UCC ) 2-325, which pertains to " Letter of Credit. '' It is with great disappointment that I received a denial for my application, as I believed it to be compliant with the relevant provisions. I kindly request that you provide me with detailed information regarding the reasons for this denial. It is of utmost importance to me to understand the specific aspects of my request that did not align with the requirements of UCC 2-325. This transparency will allow me to rectify any issues and reapply accordingly. As a conscientious business partner, I am committed to adhering to the established legal and financial standards set forth under the XXXX XXXX XXXX. I firmly believe that my application met these standards and should not have been denied. Your feedback on the reasons for this denial will be instrumental in ensuring my future applications are in compliance with the relevant regulations. I kindly request that you provide a written response within a reasonable timeframe, outlining the specific reasons for the denial and any steps I can take to rectify the situation. Additionally, if there are any specific requirements or documentation I should provide in a revised application, please inform me so that I can address them promptly. Thank you for your immediate attention to this matter. I look forward to receiving your response and working together to ensure that future requests for " Confirmed Credit '' are handled in accordance with UCC 2-325. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: We believe in the importance of transparency and fair treatment for all clients. However, our recent experiences have raised questions about the intentions behind certain practices and whether they are inadvertently causing harm to homeowners like ourselves. We kindly request a thorough investigation into these matters to ensure that your company upholds the highest standards of integrity according to RESPA, XXXX, XXXX, and beyond Additionally, we seek clarity on the specific reasons behind our recent rejection as we seek Mortgage Relief and attempts to pursue legal remedy or allow weaponization of the law according to the information provided seems inconsistent with our understanding of the situation and this could affect the relationship over years, equity, the effectiveness of the original contracts, transparency in real estate market in general and specifically and current issues, and the accounting issues adding onto the hardship for which occurred and being ignored. We continue offer the opportunity and seeking the kind respect to similar to ensure no damage or loss would overcome the truth and reality or giving the advantage to certain practice contracting with what the law provide to protect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92225
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Unauthorized charges were made to my checking account by 4 vendors at XXXX XXXX in XXXX on XX/XX/23 and XX/XX/23 : XX/XX/23 XXXX. {$1300.00} XX/XX/23. XXXX. {$3100.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX. {$1400.00} XX/XX/23. XXXX XXXX {$26.00} XX/XX/23. XXXX XXXX. {$400.00} XX/XX/23. XXXX XXXX. {$1500.00}
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: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Wells Fargo closed my checking account ending in XXXX without my permission or knowledge. This is a XXXX account I have had for over XXXX years. I have contacted Wells Fargo and they could not reopen the account stating that I needed to open a new account If I want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received an UNSOLICITED credit card from Wells Fargo Bank. That is ILLEGAL! I filed a complaint with CFPB, XX/XX/23, # XXXX. I requested that Wells Fargo notify me, IN WRITING that they DELETED my UNSOLICITED credit card account and removed all of my personal info from their system. So far, they refuse. The CFPB apparently does nothing. Now, I have received an email from Wells Fargo and it states they UPDATED my information! I did not request that they update my information, I requested that they DELETE the illegal, UNSOLICITED account they created in my name. It gets worse. the 'update ' includes a new address, not the address they sent the unsolicited credit card to. It is from an old address, in another state, from over 10 years ago, when I was unfortunate enough to have an auto loan with the criminals at Wells Fargo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: While attempting to make payment arrangements and or modify the Home line of credit before a foreclosure was initiated, Wells Fargo representatives stated the loan was in foreclosure with no sale date and would not except payments. Dates times and length of a few calls over the past year. XX/XX/XXXX, XXXX calls XXXX XXXX XXXX sec XXXX refused to accept a payment. Transferred to XXXX. XXXX also states the loan is in foreclosure ( no record of this with the local jurisdiction, XXXX XXXX Colorado. XXXX states only the full behind amount will be accepted. XXXX then proceeds to mute the call and then disconnect the call. XXXX. XXXX XXXX. XXXX. Then XXXX. XXXX comes on the line and then disconnects. ( a total of 7 calls were made this day. At no time did any representative mention a problem with the phone lines etc. even when told of the disconnected calls earlier ). This tactic will be shown used during a later attempt to manage the debt and behind payments months later trying to enroll in a payment plan/modification. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX team. XXXX comes on the line again. Did not accept the attempt to make a payment. XX/XX/XXXX, XXXX XXXX XXXX At the XXXX XXXX mark, XXXX XXXX the loan is in " although, there is not a scheduled for sale date. Did not accept a payment. In the call, the representative XXXX would not disclose what criteria will be used to make the decision for the loan modification, income change amounts, refused to define " affordability " whether d/I ratio etc. It was asked how the consumer knows if the criteria is discriminating or not. A regular payment was made on XX/XX/XXXX, XXXX in the amount of {$900.00} all while the scare tactic of using the term foreclosure when wells Fargo had no foreclosure initiated for this account. XX/XX/XXXX, XXXX An attempt to make payment arrangements, inquire about the sudden Foreclosure process initiated and why. Attempt to verify correct contact information. XXXX mst XXXX XXXX up after XXXX minutes XXXX I asked to verify mailing address and contact information and when changed if a change was made. Call was disconnected. XXXX XXXX XXXX Quote " we usually don't hang up on people. Mailing address for this account was confirmed as XXXX XXXX XXXX, XXXX CO XXXX Wells Fargo stopped sending statements in the mail and deleted the account from the the app. ( see attached screenshot ) *the mortgage that was wrongfully foreclosed on ( next complaint ) is still shown in the app. Wells Fargo and it's representatives, deceived and intimidated the customer by stating the loan was in foreclosure during the months of XXXX, XXXX, XXXX, XXXX, XXXX, while the loan was not in foreclosure. Wells Fargo is in violation of the agreement by not sending monthly statements and removing access to the loan in the wells Fargo application. Wells Fargo through its agents are involved in delay tactics and voiding people access to loan modification products by making it extremely difficult to reach the correct departments and at times denying access to the departments- Example- XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX The XXXX office ( XXXX XXXX XXXX ) has been asked to provide the confirmation date and time that the information regarding a loan modification was submitted via fax under the direction of case XXXX XXXX XXXX XXXX Successful fax confirmation forms have been submitted to Well Fargo through Fax and email showing the information was successfully sent. The loan modification has been removed and delay tactics are currently being used. XXXX was asked to pause the foreclosure, postpone the foreclosure while the information was being looked at. There is more information to be added regarding many phone calls, dates, times, names, and content that pertains to this matter and other behaviors by Wells Fargo through its representatives. Transcripts are available to locate date and time for reference when inquiring for Wells Fargo internal call records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A