Date Received: 2024-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: card payment was due on the XXXX got a e-mail telling me that my payment was due on the XXXX was not given time too make payment they were asking for {$25.00} i paid {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Background : My loan payment schedule was set up XXXX XXXXfirst payment was due XX/XX/XXXX. I made two loan payments in XXXX and one loan payment in XXXX. With XXXX payment next was not due until XX/XX/XXXX. ///As I made payments and submitted extra funds all monies were held for the monthly payment. The correspondence from WF stated if there is no payment due all submitted funds will go to principal. Making a monthly payment in XXXX when the first payment is due in XXXX all submitted funds should have went to principal. However, WF stated setting up payments using the online system meant the payments scheduled were for monthly payment first. I did not have a monthly payment due. I scheduled monthly, biweekly and weekly payments to no avail. Then I tried to send checks on a scheduled ear marked for principal only- these submission were also held for monthly payments. I never missed a payment. Guaranteed by Wells Fargo because, the money that I set up to go to principal only was always held until the next monthly payment due date. With no payment due for that month. Two full payments in XXXX & One full payment in XXXX - Payments were to begin in XXXX. Plus, all the extra funds submitted held for payment. The payments were not applied as requested. Furthermore, the due date is always going to be advanced. So, no matter what day of the month I pay - paying every month will always advance the actual " penalty date ''. So, Wells Fargo states that loanees should not be paid up more than two months in advance. That does not change the fact that I was paid up three months in advance. & being paid in advance any funds submitted for principal should have gone directly to principal the day received. I started to have checks sent stating for principal only that did not work either. Wells Fargo claims that the payments that I had set up were applied according the system settings, used in my online account. Checks are not apart of that online system. AND That put me three months ahead in payments. Making funds submitted for principal only, should have been applied to principal at the time received. Instead of being held to for the next payment. There have been some payments submitted in one month not applied until the next ( year ). So, many visible errors on the online account Wells Fargo employees state is not a problem. In addition there were errors on my tax documents and different information recorded across various statements. Evidenced by the corrected document sent the first year. ( + monthly statements ) When I continually stated that the funds are not being applied as I have ear marked and/or intended, the response was always a repeat : the funds on the account have been applied as set up in the online account system. *Please note this response does not explain away checks submitted stating for principal only. *Does not warrant WF erroneously applied adjustments. As a result of Wells Fargo responses and subsequent adjustments all the aggressive payments made to the account were lost. & I have lost the three months paid ahead advantage, lost without missing a payment. Wells Fargo continues to state that I have not been harmed by Wells Fargo mishandling of any Wells Fargo account. I feel that the advantage of being three months in front of payments to the account is a loss. I find that having payments held to make a monthly payment instead of applying funds directly to principal when received was a cost to me, ultimately, a lost for me. Wells Fargo request to have clarification and more information with every dispute filed. When I accommodated Wells Fargos request the response from Wells Fargo was this matter was previously addressed, this comes without acknowledgement of the extra information provided or the many errors pointed out and/or any follow up questions asked. ( no answers to f/u questions ) Wells Fargo has continually sent the same responses with all errors signed by different representatives, regardless of any follow up or status up date request. Any subsequent dispute filed that is remotely similar receives the same previously flawed response signed by a different representative ; more often than not, has nothing to do with any dispute. I made several attempts to have my concerns addressed. I even requested a copy of the complaints and/or disputes I filed. This would have allowed me to point out how Wells Fargo responses do not address my correspondence. I fail to understand how continually sending me all the Wells Fargo responses with the exact same verbiage down to all errors resolves any concern I have. Yet, I was denied a copy of the complaint form that go with the Wells Fargo responses. I have the emails documenting the violation of my privacy. I have the letter from Department of Veteran Affairs Representatives stating that the cost of points seemed high ( excessive ). The closing of the loan was dragged out for Wells Fargo employee error and delay. Wells Fargo states it has determined there was no mishandling in processing. Yet, I was and continue to be egregious harmed by all Wells Fargo error. I have been targeted and mistreated by Wells Fargo Representatives. Evidenced in the refusal to accommodate XXXX, to include- review and correct all errors especially in correspondence and completing the processing of claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88005
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My BILT Elite ( Wells Fargo ) credit card has a fraud transaction that happened over my limitation. I only have XXXX limitation on that card and I only use it for my renting payment. However, after I spending XXXX on my renting and there is an overcharged transaction that was not made by me getting approved with my card. How can that happened. I never received any email or text or call from the bank for this over changed transaction. The bank took no reaction on my fraud transaction!!! The transaction was happened in Florida when I am living in MA. I called the bank and they r not helpful at all ( they asked me to pay that amount first ) Stay away from Wells Fargo!! I always pay my bill on time and this is how they treat me when I have been scammed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: From the start of the conversation, the lady had a pending her mind to treat me like I was not mentally capable of understanding how the process of the transfers go two days prior to all these issues with me transferring money from my stock account to my bank account there were no Double fees I paid the fee with my brokerage withdraw my money when I hit my account. All my money was available. Ive done a total of 3 to 4 withdrawals within the past week. When I asked this question, the lady simply asked me can I tell her those dates she did not ask me what app That I needed to use to tell her when the dates of these transactions occurred I went off the dates and once she seen she was incorrect she proceeded to cut me off once she seen that she couldve potentially been wrong so then she proceeded to tell me that there was nothing I could do to try to fix it while I was asking if I could potentially get somebody else on the phone I was asking before I started asking politely but frustrated and the more of a hard time as she tried to give me about giving the phones to somebody else I didnt ask for her supervisor or her manager or anything I just asked to speak to somebody else she then began trying to stall out on my request this week somebody else which frustrated me more then after I asked repeatedly about 30 times to be transferred to somebody else she agreed to get the escalations department, which I never heard of on the line got the gentleman on the line and right before she got off the line she laughed at my case scenario which I found was extremely disrespectful I dont care how much the amount is. Im tired of the bank overdrawing a account that is not legible for overdrawing With my question was simply it was on the bank and there is a wire transfer fee how come this was the first wire transfer fee charge I received after my previous wire transfers because this doesnt occur when I have money just sitting in my account but when my account balance is low, all of a sudden you wan na hit me with fees they continue to blame it on the merchant and the merchant processing system, which is in my opinion another lie because it doesnt make sense to let somebody leave your store without paying for an item or with transaction pending for however, long, the bank wants to post the transaction at their discrepancy so when I spoke to XXXX XXXX, he tried to go the same route with me I had to stop him and let him be aware that he was carrying the conversation that way by over exaggerating on my statement I that I felt them blaming the merchants processing system was a lie, and once I expressed that XXXX XXXX proceeded to tell me that I was telling him that he was lying. After he said a statement like I was repeatedly telling him he was just lying on everything he was saying, which was fault. I asked him excuse me, sir how many times did I tell you that I was lying and is this not just the first time Im telling you I feel like your life I seen that he had a pre-in his mind not to be of any assistance either to just restore his coworkers pride all because his coworker was wrong if you guys as in Wells Fargo, the company want to hire people that do not want to do customer service or have issues doing customer service do you need to remove the customer service department altogether and just replace it with XXXX, after all you trained, yall employees to deal with their customers like their homeless begging for change so when it comes to reverse thing an error, are yall behalf that something minor {$15.00} all of a sudden its not such a Small amount of cash perhaps this is why the companys profit and loss ratio is the way it is its because the employees are miss handling money on purpose and it keeping away from their customers I understand that theyre gon na make this look like this is just something that continuously happens but this is not something that I would be frustrated. This satisfied or extremely uncomfortable with my business account is overdrawn {$140.00} and Im not worried about that at all simply because I am aware of all of the charges so it is not a case of oh, he needs money because I have another schedule to withdraw coming to the account from my brokerage account. Wells Fargo is just taking money from me just because they feel like it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
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: I deposited a check for the amount of XXXX via mobile depocit on XXXX but the bank took the money from my account on XXXX because they say the check was deposited XXXX more time but we dont know who did it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Wells Fargo Bank has allegedly engaged in malicious competitive practices by disabling the external repayment functionality of my external repayment bank. Despite numerous attempts to contact and multiple complaints lodged, the issue remains unresolved. The matter revolves around Wells Fargo Banks purported interference with the external repayment mechanism, which directly affects my ability to manage repayments efficiently and conveniently. Despite repeated efforts to resolve the issue through communication and complaint channels, Wells Fargo Bank has failed to provide satisfactory solutions or even acknowledge the severity of the situation. This alleged behavior raises serious concerns about Wells Fargo Banks commitment to fair competition and customer service standards. Disabling essential repayment functionalities not only inconveniences customers but also undermines trust in the banking system. As a concerned individual, I urge Wells Fargo Bank to address this matter promptly and transparently, ensuring the restoration of external repayment functionality and providing assurances against future instances of similar competitive practices. Failure to do so may result in further escalation of this issue and potential legal recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: i have been with wells fargo for over 15 years i went delingent back in XXXX. of XXXX my lawyer was able to get me state my home ct. XXXX but she said i had to complete 3 trial mortgage payments of XXXX which i did and then they would the XXXX towards my mortgage i let everything go to make those payments they said i owe XXXX on my mortgage how is that possible they did not take any of those payments off that i already made before i became pass due. but now they say i have to due more payments before they will add the XXXX they gave me a payment which is not afordable to me. in XXXX or XXXX they gave me a modification they took XXXX out of my payments to pay a lawyer for the modification and i also think i paid for other modification i am only on soc. sec. wells fargo is ripping me off i know thew have been pocket my money i am XXXX XXXX XXXX they want XXXX a month if i pay that i will have no lights no oil no tv no nothing. they are to take everything from me i was suppose to make 3 trial payments and wells fargo was suppose to add XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Wells Fargo Credit Card used to purchase XXXX XXXX tickets in my name, false address, false e-mail, and false phone number. ( all similar to mine ). XXXX says it's fraud go back to Wells Fargo. Wells Fargo says they were purchased in my name, only the person named on the ticket can fly. Had a lawyer send XXXX XXXX a letter, but they replied no fraud case had ever been filed and sent me back to Wells Fargo. I never authorized the purchase of these two tickets or had any idea who purchased them or flew them. I filed a police report and they referred me back to Wells Fargo. Asked for a Wells Fargo supervisor to call back more than twice and have never received a callback. The account is closed and paid off except for charges of the airfare, late fees, and interest. Under {$2500.00} is owed but now the lack of payment has affected my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX Ive got the two letters from Wells Fargo bank says they decided to close my multiple checking accounts. I contacted the branch manager right away and he said he didnt know why. He said he got the email to close my two safety boxes only and didnt hear about the checking account also closed. Ive asking him to find reason for me and I hope this just a mistake. But he called me back saying this is the bank decision and they wont give him anymore information about why make that decision. He knows as much as I do. Then he told me to call the office myself to find out and maybe they will tell me directly and I did but they told me the bank decided dont want to do the business!. She didnt finished the full sentence. I asking again what do you mean about that? Is the bank dont want to do business with me or dont want to do business with this kind of the account or the bank dont want to do business account anymore? She didnt answer me just said thats all she can tell me. After a week I received another two letters about to close two safety boxes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I would like a direct answer to my question be provided by Wells Fargo which to date has been dodged for two complaint rounds. What payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? In Wells Fargo 's response to complaint # XXXX XXXX XXXX XXXX : " You've continued to assert there was no payment delinquency. There is no evidence to support your assertion. '' Wells Fargo needs to answer my first question what payments were missing as alleged in the Wells Fargo letter dated XX/XX/XXXX which was presented to CFPB? After the missing payments are identified, by Wells Fargo, then it will be up to Wells Fargo to provide evidence that I did not pay the missing payments. Note that the market rate value of XXXX XXXX XXXX, XXXX NY XXXX is valued atXXXX XXXX {$650000.00} $ XXXX : as of XX/XX/XXXX. Wells Fargo stated in their response to my complaint # XXXX the following : " Regardless of whether you provide additional information, we are outside of the regulatory mandated timeframe in which we must respond. '' Is it Wells Fargo 's intention to be uncooperative within the CFPB complaint process? I have a question about the XX/XX/XXXX letter Wells Fargo inserted in their online response where it is stated " Our records indicate that your loan is in default for failure to make payments due. '' I disagree with that assertion and it is a desperate attempt by Wells Fargo to use their letter to distract from my research which proves there was no payment delinquency or justification for a payment increase. Since Wells Fargo has introduced this letter, the burden of proof of missing payments is on the bank. What payments were missing? Wells Fargo mailed me a letter dated XX/XX/XXXX which included an attached check for {$200.00}. Wells Fargo admitted an error may have occurred We apologize for any inconvenience this caused. Since Wells Fargo has admitted an " error '' had occurred '' and provided a check for financial acknowledgement, the error qualifies me under Section 28 of the Consent Order as a victim. Unfortunately, the {$200.00} check is not an acceptable amount to make me whole and will not be cashed. It is woefully inadequate to compensate me for the loss of my home which has a current market value of {$650000.00}. In addition, under Section 79 of the Consent Order, Wells Fargo agreed to help the Bureau determine the identity and location of, and the amount of harm sustained by, each Affected Consumer. Is Wells Fargo going to comply with the Consent Order and formally declare me as a victim to the CFPB Enforcement Officer?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A