Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I called to request a loan modification or forbearance and was denied both. I was told that I did not qualify and that was the end of that conversation. I do not have the representative name but it will be in the phone logs. They tell me that I did not respond so they denied me modification but that is not the case. They denied me modification and that was that. I tried doing a short sale but they for closed and my realtor did not have time to collect all the info to list it. Wells Fargo took my daughter 's home from us and 10 years of my life unable to buy again because it foreclosed. The call was between XXXX and XXXX of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My phone was stolen and a bunch of XXXX transactions were made on my account. Deposits and credits but the deposits left me with a negative balance and restricted account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Wells Fargo has been ordered to comply with their settlement to many prior account holders. My husband, my prior businesses and myself keep receiving letters asking us to cash checks for these settlements, which have never been received. If the company is trying to say they're sent payments, they have not. It's a ruse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: In 2016 Wells Fargo called and offered forbearance said i would have a length of time to back it back then received a call telling me my mortgage was behind .i need to pay a lump sum i didn't have money my home was placed in foreclosure. Then Well Fargo transferd my morgage to XXXX XXXX XXXX with a deferred payment of XXXX added to my mortgage. Then my mortgage has been transferd XXXX times with that deferred payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My Well Fargo debit card was revoked yet I had valid issues with unauthorized debits coming from XXXX XXXX in XXXX Texas of {$350.00} on XX/XX/XXXX yet my card I had in XXXX of XXXX was canceled ending in XXXX I had charges from supposedly the corporate in which I only had business in XXXX they took money from my account. Somehow they didn't do the right procedures in making sure unnecessary charges wouldn't occur. After sending my card ending in XXXX was sent. I made valid claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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 or around XX/XX/2023, a XXXX XXXX credit card in my name was used to make 7 unauthorized transactions, totaling {$430.00}. The card was a replacement card which had been sent to me already activated and which was intercepted at some point in the mail - either delivered to the wrong address or stolen from the mail or mailbox. I called the credit card company and cancelled the card. I then called the company 's fraud department several times in an attempt to confirm that an investigation was underway. Once I waited on line for 45 minutes before the line was disconnected, and on XX/XX/2023 I waited on hold for 2 hours before hanging up. I rang back and spoke with a customer service agent who said that the company had 90 days from the complaint to research the claim, but the case would be escalated and that I should receive a call back from the fraud department within 24 hours. I did not receive a call. On XX/XX/2023 I attempted to file a police report with the 32nd Precinct of the XXXX and was told that I was not able to file a police report without a written notice of fraud from the credit card company. At that point, I sent a letter to XXXX XXXX, via certified mail, asking for written notice of the fraud claim and an update on the current status. I received a letter dated XX/XX/2023 that noted a future statement would reflect I was disputing a transaction and that the company would contact me after the investigation was complete. Around XX/XX/2023, I found an updated statement in the online portal, which was dated XX/XX/2023 and had the disputed transactions added to my account. On XX/XX/2023, I attempted another phone call to the fraud department, since I had not received written notice of the outcome of the investigation. After sitting on hold for an hour, I was connected to XXXX, who updated me on the investigation. She could see that I had requested call backs several times and could see notes on the complaint but no evidence that an investigation had actually occurred. She noted that the investigation was closed. She said it had been closed at some point in XXXX then both reopened and closed on XX/XX/2023. She said she was resubmitting all 7 of the XX/XX/2023 charges and that I should receive a call from her supervisor in 24-48 hours. I did not receive a call. On XX/XX/2023, I called again and reached customer service. The agent I spoke with could not give me a time of when I would be able to reach a fraud specialist. She took my phone number for another callback and said she would have the case escalated. I did not receive a call. At this point, I am prepared to close my card. I would like XXXX to refund the {$430.00} in unauthorized charges on XX/XX/2023. I also think that they should overhaul two areas of their practice : new and replacement credit cards should not be sent already authorized, and they should improve their fraud services. While everyone I've spoken with in the fraud department has been pleasant to deal with, a direct number to the fraud department should be published on statements and online, and wait times to speak to fraud need to be drastically reduced. I appreciate your help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had over {$5000.00} fraudulently charged to my business debit card. These all happened back to back on XX/XX/XXXX. Got an alert from Wells Fargo and immediately cancelled card and opened a fraud claim. This claim was denied and closed. They said they will not reconsider. Absolutely unacceptable as I did not make these payments or authorize anyone to do so. I am a small business, I run everything myself and over {$5000.00} is serious. Some of the big charges are to XXXX, a personal loan/credit card company. I do not know this company and have any accounts with them. That can be proven. However, whoever stole my debit card info paid XXXX {$3500.00} + {$1000.00} on XX/XX/XXXX. There were also charges from XXXX in XXXX. XXXX XXXX in FL. All in the same day. We live in NC. I need to do everything possible to get my rightfully earned money back so I can change my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: During the loan restructure process, Wells Fargo foreclosure department took over and foreclosed on my home. This occurred in 2003. My home was sold for approximately {$120000.00}. It was a five-bedroom three bath home less than a mile from a country club, churches, schools and shopping!! I tried to tell the foreclosure department that I was working with their loan department, but they ignored my argument and proceeded to foreclose on my home, even thought I had letters agreeing to my restructure loan. Unfortunately, these letters have been lost due to subsequent multiple moves and resultant divorce. I apologize for the delay in filing this complaint, but things were hectic after the foreclosures with several moves, the divorce and my eventual leaving of Missouri to Texas and now Florida for medical reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A