Wells Fargo
Reviews and Complaints

I accepted a $5000 Cash On Demand Account from Wells Fargo. The APR originally offered to me was not the same as the actual contract of 20.99%. However, at that time I was in a pinch and needed the funds. I took two advances at a total balance of $4600. The remainder of the time I just made payments. Sometimes I would pay one to four times a month. Wells Fargo Financial did not reflect those payments for two billing cycles later, and assessed me late fees. I called several times when I got my statements because my payments were not reported on their statement and yet a $39 late fee was reported. I started getting phone calls one right after another in the same day, hour, from Wells, informing me that I had not made a payment at all. I even got calls at work, and letters. I was very frustrated after weeks and months of this. Then ten months after I opened the account, Wells Fargo after hundreds of phone conversations about their reporting process, lowered my credit line to $0.45 under the existing balance, and began charging me over-the-limit fees along with late fees. So I had $76 in interest each month and $74 in fines, at total of $150 per month on a $4, 600 loan.

I have been a Wells Fargo, for lack of a better word, "customer", since 1994. I have never missed a single payment. This is the 2nd time I've tried to lower my mortgage rate and they keep coming up with the biggest ### excuses to delay and deny my requests. This time, they want to know about a location where I lived 26 years ago. A location where I lived before I got my mortgage with them. Why is it a concern this time? This time, they want me to prove who I am by submitting: my driver's License or Paasport. Why wasn't that a concern in 1994? Although, I must have submitted it to them in 1994. My wife and I got the original mortgage when our combine income was around $50, 000. Now, it's around $150, 000 but, we're somehow a risk!

Submitted re-finance paperwork and during process was denied loan. However Wells Fargo had taken our Credit Card number for appraisal that was to be done “after loan acceptance/approval”. Wells Fargo on the next day extracted the $464.00 from our account and continued with processing the loan which as I stated was denied. The appraisal company never made any sort of contact nor performed any service. When denial was received we contacted the local mortgage representative we were using and his management and were promised the refund which as was told to us was to be “removed” from our representatives payroll due to mishandling of this transaction. At 40 plus days since refund was to be approved we have yet to receive refund. Local management (Trevor) is ineffective and has proven they do not care as long as they get their share of others money. Wells Fargo is quick to take away but reluctant to return monies owed to small families.

Stay away from Daniel Fish at Wells Fargo Home Mortgage in Santa Cruz. He processed my loan refinancing documents, didn't show up to Closing, I resolved all my questions with the Title Officer, I signed all the documents at the Title Company, then got a call from Dan's boss the next Monday that the documents were wrong and the loan couldn't be done. Lots of lame excuses. I was very concerned because I wanted to lock in my low interest rate. They promised me they would fix it. That was 2 months ago and I'm still getting the runaround from them. Daniel Fish has also lost key phone numbers I provided and had to re-ask me the most basic of questions, and now caused me late charges on my property taxes which I paid through my closing costs that did not go through. He has played with my money and my home like it's a Monopoly game, instead of my only home and my hard-earned cash. Save yourself time and money and do not go to Wells Fargo for your loan refi.

I called AND wrote Wells Fargo a letter about my son last month because he is serving in Afghanistan US Air Force. and not by a computer very often. Two weeks after my son closed on his home he was deployed to Afghanistan. At the closing he gave them a blank check to begin automatically deducting the mortgage from his checking account because he knew he would be gone for 6 months. He discovered it was not done after the due date of course. A check was written and sent in with an explanation and a request to not charge a late fee. Well a late fee was charged... yes only $32.23 but it just made me mad. The Air Force does not pay all that much.
I just want to say they should be ashamed of themselves for not waving the late fee to someone serving their country, especially since it was their fault the payment was late. Someone did not do their job and use the check to start the appropriate deduction…. Just needed to vent!

I agree 100%. They are unreasonable and unfair. They refused to send me a statement that actually showed that I owed them money (as I had never received one because they ignored my address change) and continued charging late fees (denying it was their fault).

One woman (who appears in charge of harassing me) asked me how much I could pay and I said about $200--she said, you have to pay $800. She refused to negotiate and literally said, "Aren't there people you can call for money?" No, there isn't! It's just me and I cannot afford this... I find it highly inappropriate that they suggest you call and harass and beg people for money--does she want me to go prostitute myself to pay them an unaffordable and absurd monthly fee?!

I am 100% up to date on all of my other student loans because they are REASONABLE and they will work with you to make sure you can afford payments. Is there anyway to get my loan taken away from Wells Fargo and given to CitiBank? Citibank is much more willing to work with you and always friendly on the phone--never threatening or harassing.

I can't believe Wells Fargo is still allowed to operate--especially student loans!

We have home mortgage with Wells Fargo. We sought refinance and contacted Wells Fargo. We thought that we would we get a good rate; however, the rate was high. Wells Fargo then treated the loan as a new loan, instead of modification, causing closing costs to increase unnecessarily. Wells Fargo had survey and lost it, and then demanded that we pay for new one. They refused to accept any responsibility for the situation.

Long story short: payments $200 over minimum were taken and part ( min payment ) was applied, the rest put in unapplied funds; foreclosure followed and payments were taken and not applied/returned sitting in unapplied funds; 3 months later they filed foreclosure . Now, I'm gonna have to fight to keep me and 2 little kids in a home.
I would like to share my story and make you aware of how unfair the veterans are being treated, in particular by Wells Fargo Bank.
We own the 2 bedroom house since 2005. This January the bank has put the mortgage account in active foreclosure. I am a mother of 5 and 7 year old boys with full custody currently occupying the property. We just moved back in the house after living in an apartment for a year due to the judge's court order to vacate the property on October 4th 2011. Now, let me get back in time and explain what exactly has happened.
My husbands served in Iraq back in 2003. Upon returning from active duty he was screened for PTSD, even though he was cleared, the symptoms showed a little bit. We got married in 2004. He got a job with Union Pacific Railroad and is still employed with them. He never talked much about Iraq. The time has passed and I became aware, that he didn't just got physically hurt ( as he was hit by a roadside bomb ), but also mentally. Things got gradually worse, in spite of me telling him to get checked out, he denied everything and always backed it up saying that he was screened for that already. Finally, he became very aggressive, that was taking a toll on me and the kids. In order to help him, I had no other choice but file a restraining order. The system is that, for the veteran to get help and get treated he needs to commit himself. Although, if the veteran is in complete denial, the only way out is a restraining order. The judge didn't order him to get treatment and me and the kids were still in danger, as in my husband's eyes I just wanted to kick him out of the house and the problem was me not him. He started drinking 24/7, not answering his job calls and one night, having a black out and intoxicated he broke into our marital property at 03:00. Me and the kids will never forget that night, as we were scared to death. He acted like he was on a mission: took his shoes off to be quiet, took his portable hard drive, PS3 game and a box of moving straps. None of that made any sense. He was taken to jail that night and didn't remember anything afterwards. After that he kept pursuing us and we had to go live in the shelter for our safety and even leave town for a couple of weeks, as advised by police officers reasoning that the judge didn't mark " no weapons " on restraining order. We were told to leave town if were in fear of being hurt by him. Union Pacific found out his situation and told him to either get fired or go into company rehab for alcoholism, which to mention wasn't the problem as he didn't drink before it all happened.
So, he went off to rehab in Salt Lake City and me and my boys were ordered out of the house. The property is in both of our names . We moved and lived in an apartment without any help to pay for it, as CIRHA had a long waiting list. I had to get a job. We struggled but managed.
Time passed, Jesse came back from rehab feeling better. Throughout the year of 2012, I had no way to know if he was really better or not. I answered numerous calls from Wells Fargo, as I was told that he was falling behind on payments. We do not know the reason why. I explained to the bank the real reason and what was going on. All that ever was put on file was hardship. I came to drastic decision and filed for divorce. After that, even though every time I spoke to Wells Fargo agents explaining the real situation, they put hardship and now divorce on file.
September 2012 I was notified that he was moving out and me and the kids could have the house. We moved again I kept up on house payments. I also was informed by Wells Fargo that as of September the mortgage has fallen 4 payments behind and was at risk of foreclosure. I kept on paying and told Wells Fargo agents numerous times that I had an intention to keep the property and could catch up with my tax refund. None of that is on their file.
Now, I've come to find out that Jesse was making $200 over the monthly payment. That money were not applied to the account and set aside. My lawyer had doubts that $2800 is owed as the bank claims.
I'm having a nervous breakdown in fear of losing everything and that this time me and my kids will have to go live in the shelter, but lose all our possessions.
What has happened, why? I have no answer to that.
That's how Wells Fargo treated the veteran, knowing it is a VA loan, and his family. They didn't bother asking if his problems were related to the war. They didn't put on file a single time what I told them about his problem. They didn't apply the extra money paid over monthly payments. I'm losing hope. I'm afraid Jesse will have a relapse because of all this. Unapplied funds? Sitting in unapplied funds file because it's less then minimum payment when it was actually over the minimum? My January payment is in the same file now as the minimum payment is $2800. I kept on making payments that were neither applied or returned until now . I was served with foreclosure papers on March 28th and going to fight it.
Was it our fault, the bank's, the government's-I don't know.
All I know is that I'm losing everything I had. My kids are losing everything they had as they were born in this house and consider it home. Is there a lapse in the system? Did the bank have the right to do what they've done?

My husband had a $20, 000 business line of credit. We owed less than $2, 000 past due. I made monthly paments of $100 but pmts were $300+ Our tax returns came in 4/5/13 on that day, the bank cleaned out 3 of our accounts totalling over $11, 000 without permision and without asking us to negotiate! We now have checks bouncing! Praying for a miracle, we have to wait until Monday since the office is closed on the weekends. I can not believe this can happen in America!

Wells Fargo does not want to work with people who are having money problems. I had my hours cut at work due to the recession and I also had a lot of medical bills. I called Wells Fargo Dealer Services and told them my situation of why I could not pay. I requested to be either refinanced or have my payments deferred for a while and they refused. The woman I talked to on the phone was also very rude and snooty, I almost hung up on her.

a Banker told me that i could save money with the overdraft fee protection on my checking i also had the save as you go account from which they also took money. Well, as you can imagine i went from one overdraft fee to four overdraft fees a day. That was not explained to me when i agreed to the protection. I am on a fixed income, which mean that i get a check once a month for my rent and other bills, I have nothing to live on because overdraft fees are about three hundred dollars from February and four hundred dollars for January which means i am back in th hold for April. This bank is draining any progress that I made to repair my credit. I tried to make payment arrangements on the phone and got hung up on waiting for a agent or banker, tried again same thing which leads me to believe that they did not want to do that, they want everything at one time. These Banker should be a shame for offering their products without fully explaining them to the customer first and leading them to believe they are getting such a great deal. Now I know what the wall street protesters were talking about, big bank only care about the people who have money not the little people.

I took out a secured loan through Wells Fargo a year ago to build my credit. The transmission went out in my car last week and I needed to come up with a large sum of money quickly, so I talked with a Banker who told me I could pay off the remaining balance of my secured loan and then receive the initial funds that same day... So I borrowed the money to pay off my loan from friends and family promising them that they'd have their money back the next day... It has now been 6 days and still nothing! All day today has been spent trying to track down the branch manager who at first I was told wasn't going to be available today to help me with this issue. Then I called back spoke to another banker who said she was out at "lunch" at 3:45pm!?! I'm really stating to get livid and feel I'm getting nowhere! Now my car is going to be impounded, my friends and family are angry and I'm about to lose my job due to how much time I've missed. All because of miss-information! plan to close all my Wells Fargo accts and will not bank with them at any time in the future!

I noticed at noon today (3/25/13) my balance was low and that I only had a little over $2 in my account. I used the Direct Deposit Advance option, in the amount of $140, to cover any possible cover charges that were to come through my account. Not only did Wells Fargo hold a charge from the 3/22/13, but they charged me for $35 twice on one transaction and another $35 charge once on a lower transaction for the same company. Making my account negative $84 dollars.

Wells Fargo Home Mortgage and Wells Fargo Bank N.A., has and/or are currently attempting to defraud us out of tens of thousands of dollars and using the threat of foreclosing on our home to coerce us into committing perjury on government-insured loan applications & documents.

1. Mortgage Fraud - more then $ 15, 000.00 in uncredited payments. [Proofs of payments have been sent to WFHM and without explanation WFHM has ignored the proof of payments.]

2. More than $ 6, 000.00 fraudulent charges for services never performed. [5-separate itemized lists of the fees/charges have been sent to us since December 2003 through Dec. 2011. The list should be identical except for new charges and/or payments being added as the newer lists were updated. When these lists are compared to each other there were more than 280-discrepancies for the services and charges listed.]

3. Improper charges for hazard insurance when we carry our own insurance, and thousands of dollars of changes to our escrow account for a completely erroneous reason.

4. Refusal to supply documents that were requested in a Qualified Written Request, and by federal law we are entitled to. Specifically but not limited to: 12 U.S.C. Section 2605(e)(1)(A) as amended effective July 16, 2010 by the Dodd-Frank Financial Reform Act and Reg. X Section 3500.21 (e)(1). [These documents are needed to resolve the financial issues with our loan/mortgage. If all of our payments, have been properly credited to our loan and the Corp. Adv. charges are legitimate why is WFHM refusing to supply documents we are entitled to?]

5. Refusing in writing to send us our official “Life of Loan History” that we have in writing requested more than 6-times and again by federal law we are entitled too.

6. Preparing and sending us unofficial payment histories that have been altered and/or are incomplete. Also falsely claiming that these altered and/or incomplete payment histories are the only payment histories that are available. [Again if all of our payments have been properly credited to our loan and the Corp. Adv. charges are legitimate why did WFHM sending us unofficial, altered and incomplete payment histories and refusing to send us our official “Life of Loan History” that by federal law we are entitled to?]

7. Loan Modification Fraud - by including tens of thousands of dollars fraudulently in the new loan, thereby defrauding us and the government-insured Making Home Affordable program. [ Including in the new loan the more than $ 15, 000.00 that we have paid but wasn’t credited to our loan and including the fraudulent Corp. Adv. charges for services that were never performed.]

8. Using the threat of foreclosing on our home to coerce us into committing perjury on a federal loan application & document. [ We have a digital recording of the phone conversations and letters from WFHM stating this fact.]

9. Manipulated our monthly mortgage payment amount solely for the purpose of changing our eligibility status for the Making Homes Affordable loan modification program. First by raising our payment making us eligible for the program and then when we refused to complete the application until after all the financial issues with our mortgage were resolved, WFHM lowered our monthly payment so that we missed eligibility by ½% point.

10. WFHM & WFB has used the US postal service to try and defraud us out of tens of thousands of dollars by sending us fraudulent documents and then demanding payment for fraudulent charges, i.e., services that were never performed and demanding payment for amounts we have already paid.

11. WFHM is currently using fraudulent Assignment of Deed of Trust documents in the foreclosure proceedings against our home, which directly violates federal and state laws and the settlement agreement with the U.S. Attorney General’s office and violates many other federal and state statues.

Please review the attached letter and the supporting documents in my drop box account at:

http://www.dropbox.com/sh/s33zhdi4w4xu0m7/LttJvOua8w

We have and can send complete copies of any and/or all documents, correspondences and digital recordings of phone conversations with WFHM representatives.

Please inform us if your office or another agency will investigate this complaint and/or if there is another agency we should contact.

Phone 623.846.2323 / Email: [protected]@q.com

A question I have is: If the FBI was sent a lead that Wells Fargo Bank was going to be defrauded out of tens of thousands of dollars and once the fraud was committed the money would be unrecoverable and credible documents to support the claim were supplied. Wouldn’t the FBI try and stop the fraud before it was committed?

If WFHM is allowed to proceed with the foreclosure proceedings against our home using the fraudulent Assignments of Deeds of Trust and by fraudulent claiming that we owe them tens of thousands of dollars for services that were never performed and money we have already paid that wasn’t credited to our loan, then Wells Fargo will be defrauding us out of tens of thousands of dollars. Shouldn’t we be protected from this happening to us? Under federal laws do we have any protection to keep this from happening?

If our home is sold through a trustee sale we won’t be able to recover it and we don’t want to sue WFHM after the fact we just want to legally save our home without having to commit perjury on federal loan documents do so.

Thank You
Don Carson

our auto loan has a perfect history with wells, we asked for a deferment for 1 month when we had switched jobs and money was tight.., they said ok and erased our auto loan payment for that month, then 12 days after the MISSED payment they hit us with a late fee and said that they hadnt approved the deferment...yet they were so sure of it that they canceled our scheduled payment for the month?! called to have the late charged waived at least... NO THEY WONT!? they are horrible

All Police a/v and reports posted to prove to 100% standards every word I write and a lot more. This is unique in that I obtained and posted OFFICIAL a/v of what they did to me. I worked Wells Fargo Home Mortgage last 2 of my destroyed 30 year career. Each week we were compelled to falsify sales systems entries. I became concerned with that...considered it system fraud. I reported it internally and they made life very hard on me. Then I did what nobody ever does: I walked into the FEDERAL BUREAU-INVESTIGATION (FBI) in person with sworn evidence. That is called "evidence parking". 2 days after the second evidence parking Wells Fargo arranged LOCAL COPS to come to my home and have me arrested and hauled to jail for a completely falsified "crime" that never happened. Dismissed, no hearing but...I was taken from my home in chains, no arrest warrant, massive SWAT action for... 2nd degree municipal trespass the day before. MEET REAL ME IN SWAT CAR. HEAR HOW POLICE MADE IT UP and company falsified 911 call the day before to 'paper' what they were doing. Big OOOOPS, they left their microphones on when they went back to police HQ to pre-mediate the later kidnapping. Big, giant...OOOPS. Caught with their pants down and red-handed.
www.RisePatriot.com (no ads, 1st hand only, police/court AV. Malware scanned daily, identity confirmed on site by Sitelock (internet security). I made a VERY, VERY unusual SHOOTING GAME on my website...if not into banking at least Enjoy the Shooting Game and the Fine Music that goes with it. www.RisePatriot.com (backed up on www.osunrise.com)

The IRS released my tax refund on 2/27/2013. On 2/28/2013 wells Fargo prepaid service closed my card without notice. I called and was told it was because my address didn't match deposit info. I sent verification the same day requested to only be told that my personal refund is being further reviewed by wells Fargo. They refuse to give me detailed info as to why given this is my federal refund . Each day i call IMO told to call back. 3-4 days. 5 days. 24-48 hours. No explanation of this review. No tIMOe frame of this process. They refuse to give contact info for complaints or to the department so called reviewing-my return. Don't know what to do. They are holding my 6000 refund!

I currently have a mortgage with Wells Fargo. I contacted them about doing a refinance and the loan specialist told me that they had a program for current customers with good credit, which I have. She told me that I would be able to do a Streamlined loan, which means less paperwork and faster turn around time. I sent the application in 1 Oct 2012. For the next few months I didn't hear back from the loan specialist. I emailed and tried to contact her. She finally responded and stated that the loan was almost finished and then disappeared again. I was able to locate a personal cell phone number for the loan specialist and when I got in touch with her she said that she no longer worked for Wells Fargo. I called Wells Fargo and they said that my loan application was cancelled because they couldn't get in touch with me. Since I currently have a loan with them they have my contact info, which they failed to use (no email, no phone call, nothing).

The person at the Wells Fargo "executive" complaint section said that there was nothing she could do. I asked her why nobody contacted me and she said that the loan processor probably didn't have the capacity to contact me because it wasn't their job, it was the job of the loan specialist. Basically, the complaint section went out of her way to outline the job differences, expectations between the different departments with Wells. I told her that I am dealing with Wells Fargo and the way Wells divides up their work assignments should not be my concern. She said that the application was cancelled and that I would have to reapply (five months later). I asked her why they couldn't honor my original application and they Good Faith Estimate and she told me that the Good Faith Estimate doesn't mean anything. She said she would have another loan specialist contact me so I could start over. I asked her to email me with the status because I am currently serving overseas and there is a time difference. She said that she is not able to send external emails. I have excellent credit and a little upset that I spent 5 months waiting for them to process my application and they strung me along and then cancelled it. If it was cancelled for bad credit, etc. I would be okay with it, but it wasn't. Doesn't anyone take responsibility for their business anymore? Is there any recourse in this?

Thanks for any advice...

I recenly asked to see the Branch Manager over a business loan. The loan officer was rude and the Branch Manager I use to deal with no longer worked there. So, the new one (Tashana Bisumber) started that it was not her job fuction and that she was not able to help me resolve my issue.

I found this very un-professional and have decide to cease all tranactions with Well Fargo Bank in all future proceding in the future. If anyone has to deal with personal or business banking I suggest they look elsewhere.