Date Received: 2023-11-10
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I was repeatedly wrongfully denied a mortgage modification with the only answer being that the investor would not approve the modification. On or about XX/XX/XXXX, I submitted a modification request which was denied by the investor on or about XX/XX/XXXX without a substantive explanation. I requested the investor information but was never provided with the same. On or about XX/XX/XXXX, my request was allegedly reactivated for assistance review but denied on or about XX/XX/XXXX, again by the investor without a substantive explanation. I again requested the investor 's information but was never provided with the same. On or about XX/XX/XXXX, my account was allegedly reactivated for payment assistance options, and a letter of said date mentioning a short-sale option. On or about XX/XX/XXXX, a modification was again denied without any substantive explanation. On or about XX/XX/XXXX, my account was allegedly reactivated for mediation review. Contrary to Wells Fargo 's contentions dated XX/XX/XXXX ( an alleged review that will be provided ), I have always been available by phone and responded to letters. Due to repeated unexplained modification denials and Wells Fargo 's push for a short-sale in lieu of foreclosure, on or about XX/XX/XXXX, I submitted a short-sale request. On or about XX/XX/XXXX, I reinstated my request for a modification but did not receive a response. On or about XX/XX/XXXX but received a denial on or about XX/XX/XXXX alleging an NPV valuation which likely occurred due to Wells Fargo 's more than 7 years of wrongful denials. On or about XX/XX/XXXX, I appealed the denial. I again requested a modification. Without explanation, on or about XX/XX/XXXX my file was removed from review. On or about XX/XX/XXXX, my account was again in review for a short-sale. On or about XX/XX/XXXX, my file was removed from review. On or about XX/XX/XXXX my account was activated for short-sale review ; on or about XX/XX/XXXX a short-sale was conditionally approved ; on XX/XX/XXXX the short-sale was consummated. Notwithstanding Wells Fargo 's recent review of the aforementioned denials, they have failed to provide a single credible explanation for any of the denial was never given ; my repeated requests to speak with the investor was never granted ; my repeated requests for a payment assistance option to maintain ownership of the premises via a modification which I was repeatedly wrongfully and improperly denied without any tenable explanation. As a result, I am hereby requesting a monetary mediation settlement which fairly compensates me for the undue loss of the premises due to Wells Fargo 's 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: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Two weeks ago I spoke with a representative from Wells Fargo regarding my delinquent auto account. I explained to the representative why the account was delinquent and that I was in the process of bringing the account current. I also informed that representative that I would be making a {$610.00} payment ( monthly payment plus late fee ) on XX/XX/2023, of which I did. The payment cleared my bank account on XX/XX/2023. On XX/XX/2023 I received a phone call from a Wells Fargo representative inquiring about when the next payment would be made. I explained to her that I had already explained to the previous representative why the account became delinquent and that I was still working on bringing the account current. There are options available to help me with this situation, however, I have been told that I DO NOT qualify for any of those options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account as a result of a new account bonus offer, which I accepted. Wells Fargo is unfairly engaging in deceptive trade practices and refusing to confirm which bonus criteria I have completed, and which I have not. I am unable to complete the bonus requirement in a timely manner if the company will not confirm when I have completed EACH specific term. The executive response team has refused and failed to evaluate my account to determine if I have met the direct deposit requirement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX was stolen in over a 8 month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Called Wells Fargo requesting information on a charge to my account had the agent be very rude. Over talk me and hang up in my face on XX/XX/23 around XXXX. I never got the information on why a dispute was denied because of rude XXXX agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I applied for a car loan with my XXXX XXXX who pulls a credit report from XXXX. They said they could not pull anything and that it said I have match fraud ID. I contacted XXXX and they said they could not verify my identity. They told me to send my documents and I did. I received a letter from them XX/XX/XXXX saying they could not locate a credit file. I have a credit report with the other credit bureaus. I contacted Wells Fargos credit bureau dispute resolution branch and sent more of my information. so received mail from them XX/XX/XXXX saying one or more of the consumer reporting agencies have determined that there may be a discrepancy on your credit report. XXXX refuses to get me in contact with a supervisor and says it is my banks problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92107
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I signed up for a waitlist for tickets to XXXX XXXX XXXX with XXXX. I then canceled the tickets online because my wife discovered she was pregnant in XXXXXXXX. We went through the portal and canceled both of our tickets. Then, on XX/XX/XXXX, we received an email stating that our tickets are " on the way '' ( to be shipped ), despite canceling them while we were still on the waitlist. We raised this issue to XXXX multiple times to no avail and my credit card does not let me dispute the charge. I paid in full for my ticket through an automatic charge on XX/XX/XXXX, and received it later in XXXX. Then, we tried to resell the tickets pursuant to XXXXXXXX XXXX policy, which states that XXXX would buy back the ticket if I had paid in full and there was an active waitlist. These requirements have always been satisfied while I've tried to resell my tickets : there was an active waitlist, and there still is, and I had paid in full. However, the online portal did not allow us to complete the official resell process while their waitlist was active and I had paid in full. Several XXXX customer service representatives refused to complete the resell process for us and failed to acknowledge their policy stating that the waitlist tickets could be cancelled or that the shipped tickets could be resold on their portal. As of today, XX/XX/2023, there is still an active waitlist, and the online website allows customers to process a waitlist order. Meanwhile, I still can not process my resell ticket after cancelling my ticket XXXX and paying in full for it in XXXX. We purchased the tickets under the waitlist and canceled them promptly pursuant to XXXX policy. XXXX then issued us the tickets anyway and refused to allow us to resell them under their own policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Well, I was accused of going in to accusing back account, and trying to steal. Back in XX/XX/ XXXX i do not recall going into XXXX XXXX Account. I am asking Well Fargo to please tell me when I was suppose to had done this. I am not going to stop until I get Well Fargo to answer. Wells Fargo said they did not know what I was talking about, but they did tell the truth. See Wells Fargo Letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23693
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, im writing this letter because I was a victim of wire transfer fraud. My nightmare started on XX/XX/2023 when I received a call from the number XXXX at XXXXXXXX XXXX. The person on the other line said he was a representative from Wells Fargo fraud hot line and he was calling because there was an unusual activity in my account, while I was talking, I received a text message from Wells Fargo saying there was a charge of {$430.00} at XXXX. The person I was on the phone with sent me a code to verify that I was the owner of the account, I didn't provide him the code because the message said " not to share information ''. since I was refusing to give him the code then he preceded to give me all my personal information, at this point, I was sure I was talking to my bank. I tried to login on my banking app and my password wasn't working. since I was not able to login he provided me a temporary password, it worked, I believed I was talking with a representative. He then told me all my banking history told me a person under the name of XXXX XXXX initiated a wire transfer for {$25000.00} from my savings account. I went into panic because I don't know that person and I never authorized a transfer, and yes it was right there. The person I was talking to said that in order for him to help me to stop the transfer I need to initiate a second wire transfer for the same amount doing this the bank will automatically recognize the transaction as suspicious and stop it, at that time... it didn't make any sense and I told him I was not going to do that, I refused like 6 times, he then proceeded to pressure me using some techniques like " Sr we don't have much time, you need to stop the transfer or you will loose your money '' I kept refusing then he provided my address and full SSN, at that point only me and my bank knows that information. I fell for it. He kept me on the phone for a couple more minutes to give me my case number etc. when the call ended something wasn't right so I called my bank immediately and they confirmed I was a victim of a scam, my heart sunk. Wells Fargo took measurements to protect my account, they created another one for me to use because the other one has been compromised. they rest my password and assured me they were going to stop the wire from going to XXXX, they said they will be contacting chase to make sure the transfer was cancelled. I was very persistent about stoping the wire. {$25000.00} were pending for 3 days in which I called every single day of those days to make sure the transfer was cancelled. After 3 days my money was gone. Days later I received a letter from Wells Fargo stating that they are not responsable. I don't understand why weren't they able to stop it when it was pending for 3 days and the money was going to another bank in the XXXX. Why aren't they able to find out who the owner of that account is? Here is the thing... this whole situation, as you may understand, has caused great stress. Last year I had XXXX XXXX due to XXXX, I was in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX im recovering from it and this has affected my progress in ways you can only immagine, that money was my life savings, was what I was counting on to keep my family afloat. Im grateful I just started a new job but for over a year I wasnt able to work, I wasnt able to go up a fly of stairs! I need help with this my family and I have been gone through enough, please help us. We filled a police report with XXXX XXXX our case number is XXXX his email is : XXXX Here is the only information we got from the bank : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX We have also filed an FBI report on XX/XX/2023, XXXX was advised by a lawyer. Since then we haven't heard anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX Made a {$22000.00} deposit into savings account at Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The banker told me as this was XXXX XXXX that I would be getting a higher interest rate of 4 plus percent for 3 months. Which I did not receive. On XXXX XXXX I went into the branch and XXXX XXXX XXXX that I had only received the standard percentage rate. XXXX filed complaint ID XXXXXXXX in my behalf. Several days went by and I received a call from XXXX complaint department Wells Fargo. I tried calling back but the extension XXXX left XXXX was an invalid extension. Extensions at Wells Fargo are only 5 digits. XXXX closed my complaint without resolution. On XX/XX/XXXX I spoke to XXXX XXXX XXXX she issued a new complaint. I asked that the new complaint be given to someone other than XXXX as he does not provide a valid call back number. Again it was XXXX that called me on XXXX and left the same invalid extension on voicemail. When you cant reach XXXX back he closes your complaint case without resolution.. why does Wells Fargo make all these roadblocks?? I finally after several attempts was able yo track down XXXXXXXX XXXX said for me to wait for his callback on Monday and be sure to pick up the call I told him you cant expect people to wait by their phones all day. I asked him for a valid extension for him.. he said that that has been an issue for a long time with people unable to reach him. Finally when I asked for his boss XXXX said I could try extension XXXX what was this game XXXX was playing? I asked to speak with his manager he told me that his manager XXXX was not available. XXXX spelt XXXX for me. I called another associate XXXX and asked to speak with XXXX and my call was disconnected. I finally called again and got XXXX .. XXXX XXXX XXXX XXXX not available but would call me back! When XXXX called back I reported that XXXX was leaving complaint callers a bogus extension and I received no response from XXXX that that would be rectified. So to date Wells Fargo had not paid me the interest money they owe me and they are giving clients misleading contact information so that they can close complaints without resolution please help me with this situation.. I have already started yo pull money from my Wells Fargo accounts to put in another bank .. Wells Fargos tactics are deceptive to say the least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A