Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a {$2000.00} AC bill from XXXX XXXX. They recommended that I take an " 18-month no-interest loan '' from Wells Fargo. I was reluctant as I have not done that before but the employee talked me into it. My. bad! I set up the payments in my bank 's bill pay for the 18-month period, paying every month until the entire {$2000.00} was paid within the 18 months. I thought I was finished as I had met all the criteria in good faith. During that time, I moved to another state with my husband, who is a 100 % XXXX XXXX veteran, We sold our house in XXXX and relocated to XXXX, so that my husband could be back near the ocean. He is XXXX, seriously ill with XXXX XXXX, so we came to be near the VA hospital here. He also wanted to spend the rest of his time by the ocean. In that process of moving, we lived in a camper for many months in various states until we settled on the XXXX base in XXXX. While I gave the post office an address whenever we had one most of the time we did not have an address. Thus, the bills that Wells Fargo said they sent us never reached us. By the time their letters reached us, Wells Fargo claimed we owed around {$1500.00} in late fees and penalties. I did not think this could be possible, since I had paid back the {$2000.00} loan in the 18 months. I disputed the fees and penalties, but Wells Fargo continued to bill me. They said because my bank had sent some payments XXXX or XXXX days late, I had fees. Because of that, they charged me late fees and then around {$800.00} interest on the entire loan. I fully explained my situation of moving around and also sent them confirmation of all the bill pay statements. They did not care. To make matters worse, my husband and I wanted to purchase a house here in XXXX. My credit rating had been great all my life, as i always paid my bills. But Wells Fargo claimed so many late payments that my credit score fell so far that I no longer had good credit. My husband did not have good credit because he told me he could not work for around two years when the VA took is XXXX out. I can not believe that Wells Fargo is able to charge {$1500.00} on a {$2000.00} loan. My husband can not work due to his condition and I retired last year after 45 years of teaching. We don't have extra money sitting around. To me, this is corporate greed. I appealed to the Wells Fargo XXXX XXXX, working with XXXX and others on this over a six month periiod. They would not yield on one dime, and even kept charging me during the months of dispute. Please help with this Wells Fargo situation, as I paid the loan in good faith, with no knowledge that there was anything wrong. Thank you kindly for your assistance, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation