Date Received: 2023-10-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a mortgage with Wells Fargo since XXXX on an condo in XXXX, WA. I had set-up an auto-payment that pays the mortgage from my checking account every months. This year I was out of the US from XX/XX/XXXX to XX/XX/XXXX on a family medical emergency. During this time in XX/XX/XXXX, Wells Fargo sold my loan to XXXX and sent an mail to a postal address where I lived XXXX ago. Wells Fargo did not send me any emails with this notification. As a result of this I did not know that my loan was no longer with Wells Fargo and it had transferred to XXXX. As a result of this, I am 60-days late on my mortgage payment because I was under the assumption that my loan was getting paid by the auto-pay to Wells Fargo. I got to know about it during a Credit History Check and I immediately paid the full amount that was due. The delinquency status on my credit history is hurting me to get any loans and I am planning to invest in Real Estate. Wells Fargo is at fault here, they did not do their due diligence in ensuring their customers are aware of their loan transfers. Before this incident my credit score was XXXX and today it is XXXX, this has hurt my years of financial health. I am a productive professional in the XXXX XXXX with a good income. I have paid all of my dues in a timely fashion. I should not be the one suffering because Wells Fargo did not inform me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am a XXXX citizen that has stepped foot on US soil in over 10 years. My identity was stolen and used to open the fraudulent bank accounts. I was this case to be investigated and all charges be removed immediately as I didn't open the account. I am happy to provide any information Wells Fargo may need to assist them in this investigation.
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: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am a XXXX citizen that has stepped foot on US soil in over 10 years. My identity was stolen and used to open the fraudulent bank accounts. I was this case to be investigated and all charges be removed immediately as I didn't open the account. I am happy to provide any information Wells Fargo may need to assist them in this investigation.
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: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: In 2016 Wells Fargo Put Pressure On Me. Threatening To Take My Home. I Was Talked Into Under Fear & Pressure To Sign Up For A New Program That Would Help Me.In Believing They Were Helping Me To Save My Home, The Program Was Called H.A.M.P Program. They Made It Worse, The Principle Amount Went Up Thousands Of Dollars. I Tried For Months Seeking Answers Why. I Was Told An Investigation Had Begun, Someone Would Contact Me. That Never Happened, Then All Was Handed Over To XXXX. XXXX Right Away I Notified XXXX.Right Away Telling Them Wells Fargo Had An Investigation In Process. Did Not Mean Nothing, Never Got An Answer. They Got Over On Me. I Know They Did, It Has Been XXXX Ever Since. How Can One Be Told Of New Program For Helping Me. In Turn, Got Worse, All The Statements Ive Read From Others Are All Negative, Wells Fargo, And XXXX. Something Is Just Plain Wrong Here. Will You Help Me Please. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Wells Fargo knew full well from their internal data that they were going to reject my application for a credit card that they advertised to me online. The listed their reason as accounts with Wells Fargo were not paid as agreed. This is from several years ago a XXXX XXXX XXXX Instead of just denying my application which they knew they would do they had me unfreeze my credit report and then they did a hard pull on my credit which showed that I now have excellent credit. Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary. There was no need whatsoever for them to put me through unfreezing my credit and then enduring a hard pull on my credit report. Again I emphasize that Whether this was deliberate harassment or bumbling incompetence it is not acceptable for a fiduciary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Several attempts have been made to contact Wells Fargo for release of lien for a home equity line of credit that has been satisfied. Case # XXXX was created with no resolution. The account was created in XX/XX/2001. When contacting Wells Fargo, no one is able to locate the account or documentation to evidence the lien release. The requested checklist has been completed and faxed to Wells Fargo. The current sale of the property is currently in jeopardy since this lien remains outstanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was scammed out of {$1600.00} on XX/XX/XXXX. I filed a claim with a Wells Fargo representative as soon as I realized the two withdrawals for {$800.00}. and {$800.00}. I was on the phone with the scammer and with Wells Fargo rep at the same time. I informed Wells Fargo that I did not authorize those withdrawals. The Wells Fargo representative told me to hang up the other phone with the scammer. Funds were placed back into my account. On XX/XX/XXXX the funds were reversed causing me to be overdrawn by over {$1500.00}. On XX/XX/XXXX I scheduled an appointment with XXXX XXXX ( teller/manager ) to explain the situation. XXXX called the claims department for Wells Fargo. She explained the situation, expressed frustration, and ended the call. Branch Manager XXXX XXXX was present. XXXX stated that she was going to file a complaint against the Wells Fargo Claims Department and that someone would contact me in XXXX hours. Nobody ever contacted me. On XX/XX/2023 I sat with XXXX XXXX Branch Manager and she knew the situation. She made some calls and then told me that there was nothing she could do and that the claims department would not reimburse me. I requested XXXX to listen to the phone conversation where I clearly stated that I did not authorize those withdrawals and where the Wells Fargo teller tells me to hang up the phone with the scammers. XXXX stated she could not access that phone call at that time. I would have to do a formal request. On XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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: Here is my original dispute that I sent to Wells Fargo : I would like to provide in depth details about my case. I had originally gotten a payment from XXXX into my Checking account for selling a XXXX. A month later, I check my XXXX account and see that there is a negative balance. I research the cause of this negative balance, and soon find out that it is due to the buyer requesting a refund because his item was not delivered. Before I could provide evidence to support my appeal and the case, it closed. I did not receive any notification that this case was opened by the seller, and didnt look out for XXXX because I had already been paid out months ago by XXXX for the transaction. I refunded the buyer, because XXXX had my credit card and Checking account information on file and I did not want to run into any legal issues. The reason this case was closed in the Buyers favor was because XXXX has a policy in which the tracking number must be updated and verified as delivered for a successful transaction. In my defense, I stated that XXXX had payed me out before the tracking number updated to delivered, so they were not following their own policies by giving me the pay out. Additionally, I shipped the camera through XXXX shipping services. I had no control over the address, shipping speed, or cost. The buyer makes the decision and types their own information in, the seller has no control over it. USPS first class international shipping does not guarantee tracking past the country of destination. If you look on their website and policies, the country of destination ( XXXX ) does not provide any updated tracking information once the package goes through customs. Therefore, it is impossible for this package to be marked delivered. I had explained this to XXXX as it is a loophole in their policy regarding international shipping, however my appeal failed. Since then, I have contacted the Buyer multiple times asking them to confirm the status of the package and if it had delivered however their account is wiped and they have not responded. This is also suspicious as they shipping to address in XXXX, however used the XXXX XXXX website to purchase the item. I have contacted XXXX over XXXX times regarding a refund to my account as this seems extremely unfair. I have lost my camera, and {$280.00}. Essentially I gave the Buyer a free camera, and lost almost {$300.00}. On XX/XX/XXXX, an agent finally agreed that a manual refund should be initiated as the situation is unfair to me. He requested the refund and stated that it should be processed within XXXX business days. On XX/XX/XXXX, I contacted XXXX as my manual refund has not been processed. XXXX customer service stated a manual refund was never requested, even though I had spoken to XXXX agents after the conversation on the XXXX, confirming that the refund was processed and on its way. I contacted another agent soon after on the XXXX, they confirmed the manual refund request. They had stated that the employee in charge of the refund request is responsible for the process. They told me that I should receive a call from the employee or their supervisor on XX/XX/XXXX or XXXX at the latest. I have never received contact. I was promised a refund by XXXX and they failed me and lied to me. I was promised a phone call or email from XXXX to resolve my issues and they never contacted me. I have been in consistent contact with XXXX however they have failed to support me. I did not want to request a dispute from my bank until absolutely necessary however, it has gotten to XXXX XXXX were I fear I will never receive a refund. Not to mention, the amount I refunded included the shipping cost which was covered by XXXX not me. I paid the buyer back for shipping even though the XXXX paid XXXX for shipping not me. I paid around XXXX dollars extra out of pocket, when the shipping refund is XXXX responsibility, and XXXX payment. XXXX has my bank information and I did not want to remove it until my refund was processed however, I believe that I was scammed and taken advantage of by XXXX and I worry for my bank accounts safety. Please consider this dispute and my desperate attempts to resolve it with XXXX. I have always been supported by Wells Fargo, and have always appreciated the consideration of the company for its customer base. XXXX is the pure opposite of that and they have my money. I have reference numbers to all the conversations and attached the documentation for the refund on a previous email. Here is information about my phone conversation with Wells Fargo in regards to a status report on the matter : I contacted Wells Fargo via phone call on XX/XX/2023, I submitted my report on XX/XX/2023. I called in regards to a status report on my dispute and was transferred to an agent. The agent, rather than answering my question, had me answer questions regarding the report that was already explained in the report itself. I answered her questions, which she repeated multiple times, making me repeat myself multiple times to explain the situation. She placed me on hold XXXX times to gather more information, and came back with nothing new, and proceeded to ask me the same logistical questions over and over again. She finally said she would contact the merchant ( XXXX ) and placed me on hold. Again, this does not answer my question about the status of my report and if it is even being considered. She placed me on hold for thirty minutes and then hung up. I have no resolution, and no calls back from Wells Fargo. I have received no status reports regarding my dispute and it has been 10 days now since I made it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a direct deposit to my WellsFargo checking account and it still has not posted after 3 business days. Direct deposits received before 2pm are supposed to post the next business day. What happens is WellsFargo shows the customer " available '' funds face up when logging into the account, but what is shown is actually not true. In the background, the account has a lower balance than what WellsFargo shows the customers when funds are " pending '' and not " posted ''. This has been an issue for me in the past where WellsFargo has charged fees for overdraft even when showing me that I have available funds. No one on the phone was able to help. I had to go to branch manager and it took several conversations and over an hour to straighten out the situation. Again, WellsFargo is not posting direct deposit funds in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged overdraft fees because they let XXXX go in my account and take out {$10.00} and they didnt give me no time to put the money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A