Wells Fargo
Reviews and Complaints

My daughter sold her house in Fort Myers to a couple who in turn sold their house on Fort Myers beach for $315, 000. The closing date was set, and the loans were pre-approved with appraisals.
Everyone took their houses off the market pending the sale and closing. The week before the closing date, Wachovia/Wells Fargo arbitrarily decided to lower the appraisal of the house on the beach to $260, 000 therefore killing the deal at the last minute and then they did not have to loan the money, and everyone's plans and lives were thrown a giant financial burden.
Now the houses were off the market for months, losing valuable selling time and my daughter was unable to move and get a job. This complete arrogance on the part of Wachovia/Wells, and their determination not to lend any money anyway they can get out of it, is what is contributing to the crumbling housing market in Florida and making people miserable. Wachovia/Well's rediculous "we are with you" ads are an insult to our intelligence and we are on a giant crusade to help people realize that their money would be welcome somewhere else, where the company truly cares about it's customers rather than spouting that phony freinds routine.

Wells Fargo has charged me $1357 for auto insurance. I have auto insurance with State Farm, and Wells Fargo has this information.They did not request another copy of my insurance. They are criminals, and need to be behind bars. Their agents have theatened me with prosecution. For what? They lost my check. I offered a credit card payment until they could find it. the answer was "NO". I have not missed a payment, even though I lost my job due to Oregon's crappy economy budget cutting ways! I am ready to wage war on these people! I asked to lower my car payment until I get a job. The agent said, "No we will not do that". It is time to take these criminals down. I am sending letter to all media, president, governor, trade commission, insurance commissioner. The insurance policy says Wells Fargo Insurance. I guess they DID profit this year. My car is in storage until I can afford to repair it. This is a call for JUSTICE! I am a USA BORN CITIZEN.

I was going to pay my mortgage online today and after I put in all my information it tells me they charge $24.95 to my already high mortgage payment just to be able to pay online. THIS IS OUTRAGEOUS!

I have NEVER encountered a company who charged a FEE to pay online before and I hope I NEVER do again. This is gouging, over the top, senseless fees just to save a 44 cent stamp. If there is not already then there should be a law against companies doing these kind of things.

It is NOT worth paying an extra $24.95 just to be able to pay online. This is totally unacceptable.

Marilyn Hunt
427 W. 9th Street
Jasper, Indiana 47546

The conversion -- Wachovia to Wells Fargo -- is an unbelievable nightmare considering the amount of time they had to get it right. Wells Fargo's technical staffers have probably never heard about USABILITY STUDIES! My business accounts are intermingled with my personal accounts and my mortgage account. The fact that my business has its own Employee Identification Number is apparently of little concern to Wells Fargo, which just wants to use my Social Security Number and ignore pesky legal issues such as "piercing the corporate veil" and "commingling" funds. The IRS is going to love that!

The customer service folks say that it's normal to group everything under a customer's SSN. I say, "Are you kidding me?" Customer Service says there's a tab I can use to separate the accounts. Hell no . . . there isn't a tab that can work that miracle! No matter which tab is selected, the business and personal accounts and their respective online bill payees are intermingled. It can't get any worse as a technological screw-up.

What were they thinking?

Wachovia's system kept everything separate, and it was flawless. Wells Fargo should change things back or fix them so they make sense for customers. AND, they should try some usability testing before they "transition" to anything else.

What were they thinking?

I was trying to refinance my home to a lower rate. Wells Fargo already holds the mortgage. They hade an apprasial done. I was home when the apprasier arrived. She came in took a few photos asked me how much I was hoping the appraisal would be and left. A few weeks latter I recieve a copy of the apprasial and notice that it is for a 3br 3 bath home of 2500 sg/ft. My home is 2980 sg/ft and 4 br / 4 bath. I call my loan rep and sent him drawings of my floor plan. After several weeks I'm told that they are not going to order a new apprasial and that they don't beleive the info I provided. They tell me they'll still to the refi but now the intrest rate will be highter than what I have locked in. On top of that I get a contract from them that shows yet a different intrest rate and a much higher closeing cost than my loan rep said. ($22, 000 vs $8, 000).

I told them to stick it and am in the process of moving my account to another bank and will move the mortgage on both of my houses as soon as market conditions allow.

I've been being strung along by Wells Fargo Since January 2010 to this day. After months and months of sending document after document, they just denied me from getting into the HARP program on Sept 30th. I asked if I could skip 1 months payment to try to catch up on my bills, they gave me four and told me that if I couldn't pay at the end of the term, I could probably roll it into the refi. I had an injury that was disabling for a year. I had a boss that I tried to work for thru that injury until he made it impossible for me to heal and ended up leaving that job that I worked for 11 years after he hit and stepped on my injured foot, which had nerve damage, and thought I was taking off time for nerve blocks in order to have a 3 day weekend. I could have taken off the 8 months in which the medical field allows for my type of injuries, but I tried to tough it out. I should have taken him to court, but I couldn't afford it literally and figuratively. I was only able to collect temporary disability for 4 months after I left my job. I wasn't able to collect unemployment even in telling my reason for leaving. It took me 6 months to find another job after signing up with 3 temporary agencies I was lucky enough to get hired at a job I was placed in. However, the pay is no where near what I was making before. I had to go thru all of my saving during the time I wasn't working and am in desperate need of getting a lower mortgage payment to try to make ends meet. The co-borrower of my loan passed away and after refinancing several times over 10 years for a lower rate, his name was not on the loan when Wells Fargo purchased the loan. I wasn't aware it had to be as executrix of the estate, I thought my name was just as good. This was one of my hardships for which I was denied via telephone. After the 4 month moratorium, they told me I had to be current in order to move forward in the process of the HARP program. I borrowed the money I needed from family to make my loan current and 6 months later, their letter of denial states that I am denied because my loan is current and I have not proved lower income and more expenses! UNBELIEVABLE! They have my pay stubs, prior year tax info, you name it. They even upped my payment during this process due to low escrow funds. Which I have to say, "I am not so sure this is true". As we have learned, you cannot trust them. I am charging gas and have growing debt on that credit card because I can't afford to pay it off monthly, as I did before. They don't have proof? I gave them everything they asked for.

So they tell me on the phone after breaking the news that the death of the co-borrower isn't a good enough hardship that they have other in-house programs that they might be able to get me into. Very frustrated, I asked if this process was going to take 9 months also? Of course, they said no, we will have someone contact you within a week. Well, they had someone contact me and told me the same thing, I am in review for in-house refi. I've gotten several calls and missed them and when I return the call, I am told that I need to speak to my loan rep and there are no notes in the system as to why I received the calls that I missed. I was told they would push for the return call from my processor. I've tried his direct line several times and left messages. 3 weeks later, I still have no clue how they are going to try to screw me this time!

This is outrageous! These people should be ashamed of themselves! They are crooks! They are playing with peoples lives! They are a big part of the reason this country is the way it is and it's getting worse. And who does the government help? I am extremely frustrated! Maybe we should all just top paying these crooks! Let them see how it feels to say "F U"! I don't care if you lose your job or can't afford food and are getting further into debt ever day! I feel sorry for the youth of this county. What are they learning from the practices of big corporations and politicians today? It pays to be a crook? Something has to be done!

On 7.26.10 I filed a complaint that charges were made to my Chase Bank as well as Wells Fargo Bank card on Behalf of Enterprise Rental Car. I called to file claims to both banks regarding charges. Chase Bank reversed the charges on 7.26.10, Wells reversed charges of $800.00 (per letter dated 8.31.10), then reversed the provisional line of credit stating that was denied and was issued a NSF fee of $35.00 as the account didn't have $800 in it. On 9.02.10 I called bank, got Connie, she said they were closed. Called 9.03.10, got Matt, he refused to help me or transfer me to Supervisor. On 09.03.10, went into Tempe branch, spoke with Randy, couldn't help me. 9.09.10, called, spoke with Kent, refused to reverse fees, refused to close account or help me. 9.11.10 returned call to Aileen, left voice mail to callback. 9.15.10 called Aileen again, left voice mail to callback. Called again recording stated "unable to process transaction". Called again, same recording again. Called back, spoke to Krista, she got Jamie. Jamie said all I needed to do was a "means of collection letter" and fax to 866.519.3576. She would reverse provisional line of credit. I did & faxed the very next day. On 10.23.10 called to get balance, charges of $800.00 reversed again from account on 10.13.10 per Heather. She stated claim is closed out & will not be reversed. She gave me claims assistance phone number 800.548.9554.
This is ongoing problem and they are yo-yo-ing my account with charges that have been reversed. This needs to stop.

Money needs to be refunded to account as per letter I faxed to them on 09.15.10, which served as means of collection letter to resolve situation as per conversation with Jamie on 9.15.10. Money needs to be returned and this matter closed. This is regarding fraudulent charges made they do not want to have to collect from Enterprise Rental Car. This is illegal!

I also received a letter from you wanting verification of auto insurance on my loan. All the information has been given to you along with verification.

Your (so called) website is a farce. If you want verifacation then call the branch I got the loan thru and they should have the info. If not then call me. I'm sure my home phone number is on the account somewhere.

after paying a morage of 2862.00 a mouth for 3 yrs and because of that hurt my credit to a point were no one renew my morage when it came do they wanted me to sign a morage for 4355.00 a mouth they are out of there mines if they think i would pay that...so now they have forced me out of my home..they are a bunch of

Wells Fargo told Chex Systems I owe them nearly $500. I do not owe Wells Fargo any amount of money and a banker at Wells Fargo confirmed this. The problem is they don't want to help me take the balance off of Chex Systems. Chex Systems is a bank reporting company that tracks people who owe banks money so that other banks won't do business with the person. I can't get an account with ANY bank because Wells Fargo doesn't want to contact Chex Systems to remove the negative balance notice. The banker at Wells told me to contact Chex Systems myself but that company doesn't take calls from consumers. Chex Systems is for banks not for consumers and I can't change anything with them because it's not a credit report where you can dispute stuff. Wells Fargo is leaving me stuck between a rock and a hard place with their beaurocracies and lack of trust because they don't want to right their mistake.
They also created an account for me on the fly, like they love to do, and NEVER TOLD ME ABOUT THE ACCOUNT BEING OPENED. Then "someone" made a transaction without me even knowing the account was open and put the account negative. WHO made the transaction. WElls fargo doesn't seem to care. I'm sick of broken machine Wells Fargo has become. You may like Wells Fargo if you bank there and they haven't screwed anything up on you yet, but don't worry, they will soon. Thanks!

Whatever you do; do not do business with Wachovia aka Wells Fargo Bank. After the Wachovia and Wells Fargo Merger instead of customer service getting better; it actually has gotten horrible. I called to find out what happened to my checking account and why I was charged an overdraft fee of $35.00. I basically was talked to by three men in the customer service department like I was trash. All three men I talked to on the telephone were loud, rude, and condescending to me. And when I tried to explain to the fourth representative what happened and that I wanted to file a complaint he basically tried to get sympathy from me by telling me how he gets treated by angry customers over the telephone! When I explained to him that each customer has to be handled on a case by case basis and that representatives can’t be mean to every customer on the phone because of a few bad apples, he hung up on me!

The Wachovia/Wells Fargo Bank has so many slick ways to get money out of the customer it is ridiculous. Even with recent laws on overdraft protection going into effect on August 16, 2010; they are still fleecing unsuspecting customers. But what the banks don’t realize is that they are losing customers by this treatment. Not only did I join this forum to file my complaints; but also to help people from being victimized by this bank the way I have been. Because the more knowledgeable we all become about their underhanded fee practices; the more likely we all are to take our business elsewhere.
Basically I was told that an automatic debit for $20.00 put me in the hole and triggered three more insufficient fund charges. It turns out that when I went online to check my account and make sure I could make some additional online charges; this $20.00 automatic debit which appeared to be withdrawn from my checking account already, actually wasn’t taken out of my checking account until the following day between midnight and 7:30am! And I only received this information after asking one of the rude service representatives what time they took this money out my account. He got an attitude and initially refused to tell me and then he told me the deal. Thank goodness he got upset and told me in a loud and rude manner; or I would have never discovered another slick way the banks fleece customers. After calling three more times I discovered that if I don't make a cash deposit by 2pm tomorrow, that I will be charged an additional $105.00 in overdraft fees. This would make it a total $140.00 in overdraft fees for a $20.00 automatic debit that appeared to be out of my checking account when I went online, but it actually wasn't. The other three charges in question would not get an Insufficient Funds Charge if Wachovia aka Wells Fargo had not back dated and charged me the $35.00 fee triggering three more insufficient charges.
I hope I am making myself clear because I am so upset right now, I could just scream.
What you should know when dealing with Wachovia/Wells Fargo Bank:

1. They will do anything to get a $35.00 fee from you. And when they are wrong you are lucky if they offer to credit you $18.00 of the fee back.

2. To find out the status of your account online or if you have a question about a particular item; you must call the 800 customer service number and find out if the item has been taken out of your account.

3. For some reason the men have been ruder and less helpful than the women I have experienced in person and over the telephone; so try to talk with a woman if you can.

4. If you account is in jeopardy of receiving an Insufficient Funds Fee; if you can get the money in by 2pm the next day you may be able to avoid it.

5. Charges in parenthesis ($32.00) denote that you are in the red and will soon be charged a $35.00 fee for each item in parenthesis if you don’t see the insufficient funds fee charged to your account.

6. Items that appear to have been posted to your account may not actually be taken out of your account until the following morning between midnight and 7:30am because it is on hold. So for example, you may see $125.00 on hold for Monday. You are assuming it is out of your account because the amount is reflected in your balance online. So say you have $500.00 in your checking account. You make a payment for $125.00 using your debit card. You see in the hold section that there is a hold for $125.00; and you see that your available balance is $350.00. Well the hold has not actually posted to your account yet until Tuesday between midnight and 7:30am. So if you have made charges or ATM cash debits before or after this $125.00 charge, you may not be in the black because of this deceptive practice. You have to actually call the 800 number and find out where you now stand with this $125.00 before you make another move on your account. So the conversation would go something like this. Hello I am checking on a debit I made for $125.00 and I want to know the status of this transaction. Is the $125.00 dollars posted to my account and if not when will it be? And while I have you on the phone I would like to check the status of some other items on hold and some other purchases I recently made. Then you give the service representative your recent transactions and find out the status on each one.

7. I also believe that every person should have a checking account with at least two banks, so you can pick and choose whom to deal with at any given moment. I am in the process of making PNC Bank my main banking account because I am tired of the rip off games of Wachovia/Wells Fargo. I am also looking into getting an account with TD Bank (formerly Commerce) because it appears they have continued to provide great excellent service to the customer as well as convenient access after the merger.

8. I will be back on this forum with more Tales of the numerous nightmares and indecencies I have suffered through with Wachovia/Wells Fargo Bank over the last year. I have only just begun. You will hear stories about a replacement ATM Card; a lying bank executive; and the run around you get when you try to file a complaint in-house with their Bank.

Good Luck and Watch Your Back with Wachovia/Wells Fargo Bank.

I am disappointed that your bank has recently terminated the personal banker that I have been using for the last several years. As I understand it, she was let go for a lack of new sales. Well, I am terminating my relationship with you for a lack of understanding that it is better to serve your existing customers than to obtain new sales.

Last summer my daughter's credit card was cancelled while she was in Honduras volunteering at an orphanage for five weeks. Her card was upgraded, automatically canceling her existing card. I contacted wells Fargo before she left the country to notify you that she would be out of the country for five weeks and where she would be. I was reassured that I took the right step contacting the bank beforehand. This debit card was the only way I could get money to my daughter.

When I was notified, in writing, that her card would be cancelled I called the 800 number and spoke to four different representatives and got two different alternating stories. It was an automatic upgrade or the card was compromised. Nobody could provide a through answer. I was switched from representative to representative. I never did get a straight answer. Nobody provided any customer service, except Carol Anderson my personal banker. She went the extra mile to arrange a wire transfer to a bank in Honduras so my daughter could get enough money to complete her stay and return home. She apologized that such a mix up could occur. Why would Wells Fargo upgrade a card when they had already been notified that the card hauler was going to be out of the country for five weeks?

Carol Anderson was the only reason I didn't cancel all my accounts at that time. Now you've gotten rid of the only person who was willing to help me during a crisis. If it is your attitude that customer service is secondary to obtaining new accounts, fine. Go get some new accounts, because I am canceling mine.

If yours is the type of bank that puts your bottom line before mine, then you're not the bank for me. One of the reasons I trusted in Wells Fargo was because Warren Buffet trusted in you. As a stockholder I'm writing Berkshire Hathaway to let them know that they should reconsider their investment in Wells Fargo, since the bank is cutting costs to spite its long term goals. If your only goal is to make money, good for you, but you make it from your customers and this isnt the type of service that pleases customers.

On June 13, 2002 Wells Fargo Home Mortgage Breached our "Forebearance Agreement" dated Dec. 28, 2001, by stating in the agreement they will instruct our foreclosure councel to "suspend" foreclosure proceedings once the funds for partial reinstatement have been recieved. within 1 1/2hrs of our telephone conversation I made to them, as requested, a payment int the amount of $3, 000.00 at a nearby Western Union. Also, as decribed in the agreement thereafter a payment schedule. $1, 050.00 each month, on the 28th day of each month, beginning on January 28, 2002. each month until I was caught up from some prior past due payments. Only after I made the initial $3, 000.00 payment and the 1st month payment on January 28, 2002 on time, They sent to me (2) letters to notify me my loan is past Due. Then on a "Monthly Mortgage Statement" dated 02/21/02 Wells Fargo states that "Foreclosure preparation has begun to protect our interest in the property. If you wish to retain ownership in the property, the loan must be brought current immediately." Total amount of $5, 636.30 is due immediataly. The amount in which the Forebearance Agreement was set up. They had not kept to their obligation as they stated in the agreement! I contacted Wells Fargo and advised them they were wrong, and that they were violating our contract, and that they have no right to foreclose since I had not violated the terms of the agreement. I was told by a representative that they will contact their legal councel, and contact me back, after they have a solution. Since then, I had to call Wells Fargo several times and could not get a confirmation that foreclosure preparation had continued to be, as agreed to be, on suspense. Meanwhile, my payment due on February 28, 2002 had become late, since I was not recieving confirmation, and still waiting to hear back from Wells Fargo, confirming that they were not going to Breach our agreement.
Finally, after the several calls I made to Wells Fargo I was told they were not going to proceed with foreclosure, and they are continueing to suspend foreclosure. So, right at that time, I made the payment that I would have made on February 28, 2002, via telephone, in the amount of $1, 050.00, March 8, 2002. On March 11, 2002 I receive a "Notice of intent to change interest rate on adjustable rate Mortgage." I called Wells Fargo to clarify and notify me with my new interest adjusted payment amount that will need to be calculated and applied to the forebearance agreement. Wells Fargo began their deceitful practices by stalling once again, to conspire to forcing my payments to become past due. They said they will call back with that information, and stated besides my next payment wasn't due for another 2 weeks. They didnt call, so I called them the day before the payment due date. They said not to worry about the payment due tommarro, we are awaiting approval on a payment schedule that will suit your specific needs, we will call you when it is completed and we get it approved. They said nothing about a Loan Modification. (2) days later, dated April 1, 2002, I receive another Notice stating: "Our records indicate that your loan is in default. Unless the payments on your loan can be brought current by April 11, 2002", it will become nessesary to accelerate your Mortgage note." Once again, they want to foreclose while they stall by withholding information I needed in order to continue making an accurate payment required to keep my loan current. So I called Wells Fargo, they said they were sorry about that notice, not to worry, and that they have just sent me a letter with instructions to complete and mail or fax back, in regards to my adjusted payment. (4) days from that; I recieve a letter dated April 4, 2002 stating: "The financial difficulties that caused you to fall behind in your mortgage payments may be due to reasons beyond your control." Sounds like Wells Fargo is admitting to stalling by saying "reasons beyond my control." Besides, this is the only letter I recieved from them that states that! Coicidence, Maybe? This letter also request's that I complete a financial worksheet, and mail it back, along with a paystub. So I did. Then (4) days from that, on April 8, 2002, I receive another letter stating "Notice of Past due Payments. I cannot believe it. What in the world are they doing? I call Wells Fargo again, they say they never received my Financial worksheet, or paystub? They send me another letter on April 10, 2002 replying: "Based on our telephone conversation and the financial information you provided, we are considering a program that may assist you in curing the deliquency of your loan. They admit to recieving the financial information that I provided, but once again request for another Financial worksheet to complete and mail or Fax back, along with another paystub, and also a payment of $1, 321.00. I agreed to it, and I did what they requested, considering the fact that I had not yet made the last payment, which was caused by their delay to inform me. As I saw it, the $1, 321.00 should be applied as the payment that would have been due on March 28, 2002, the payment that they told me not to make since they were working on my paperwork with a new adjusted payment amount, and getting an approval. The remaining amount of $271.00 would be applied towards the time since the payment due date to the current day that they requested an amount, also taking into consideration that my new payment amount will decrease as the interest rate was a decrease. Like the prior payments I made to Wells Fargo; I made a the payment via telephone in the amount of $1, 321.00. I personally felt more comfortable making the payments directly to them to ensure payment is made timely, with no chance of delay by mail. I also returned the financial worksheet, and a recent paycheck stub to them, as requested. May 1, 2002, I recieve another letter from Wells Fargo stating: We have recieved your inquiry concerning your mortgage loan. In order to process your request for "Modification" the following information is needed: Proof of income. Please note: Not requesting another Financial worksheet, nor are they demanding the payment of $1, 321.00. This is because they had already recieved those requested items. At this point, I am getting the feeling that perhaps Wells Fargo is incompetant when receiving documents in the mail, or by fax. Why do they keep telling me that they have not received my financial worksheet or paystub as they do when I call them, and they request the information again in their next letters? Then I notice that in the letters following, and after being told on the phone that they have not recieved the documents, Wells Fargo admits to recieving the documents. They reply in their letters for example: "Based on our telephone conversation and the financial information you provided" and "We have recieved your inquiry concerning your mortgage loan" and " After reveiwing the information you provided." I guess I was being lied too.
Furthermore, I was not the one who was requesting a "Loan Modification." I was only asking Wells Fargo to "Adjust", my payment accordingly, to the interest rate change they notified me about. so I can be sure to apply an accurate amount to my mortgage payment that will cover all fees such as mortgage insurance, and taxes etc...
Seems like now, in the letter dated May 01, 2002 Wells Fargo wants to put the burden of requesting a "Modification", on me. Especially since in their next letter dated May 14, 2002 Wells Fargo states: "After reviewing the information you provided; we must advise you that your request for Modification has been denied for the following reason(s): "We are unable to come to a mutual agreement, regarding your request for a workout. See what I mean? They word it to sound like they were denying me. To seem like I put the burden on them, and not as it actually was when in their letter dated: April 10, 2002, they state: We are considering a program that may assist you in curing the deliquincy of your loan." They were denying their request for a the loan modification that they implimented into their plan to conspire against, to mislead a consumer into foreclosure, and take an unfair advantage over other public consumers to purchase the property at an auction sale that had been postponed one or more times, knowing that very little declaration of notice after being advertised in the local newspaper for the first date of sale is required. No other declaration of sale is required besides a new date and time to be left at the last place of appointed sale. Yes, Wells Fargo did become the purchaser of the property at a much discounted price consideringthat I had a little over $100, 000.00 equity in the property, after all the improvements I made.
Ten (10) days after the notice I recieved on May 14, 2002 stating that their "Modification" was "denied", Wells Fargo Home Mortgage forclosedon my property; May 24, 2002. I wasnt notified until when I received a notice of demand for possession, on June 13, 2002, (2) weeks after the sale held on May 24, 2002. I suppose they wanted to keep it from me so I wouldn't have a chance to stop it?
Which brings up another issue concerning the Notice of Trustee's Sale. Notice of Trustee's Sale was prepared, signed as the Successor Trustee, Notorized and acknowledged before a commissioned Notory by the State of Arizona, by an Attorney who was not appointed in writing, as required to be (A.R.S. 33-804 . Appointment of Successor Trustee by Benificiary), and knowing to be false, or forged, filed the document into the Office of the County Recorder (A.R.S. 333-420. False Documents; liability; special action; damages; violation; classification.) and after notifying his Law firm of the groundless forgery, material misstatement, the attorney refuses to correct.
My point is that since 2002 I have not been able to recover from a foreclosure that was wrong, along with a "Due Process" that was Fair. There is no agency that I could find that actually governs a Federal bank such as Wells Fargo, that will make them comply, besides the Attorney Generals Office. I am so tired of hearing from different agaencies: Our office cannot give you legal advise, or this office cannot represent you. You may wish to pursue this matter on your own or contact an Attorney for legal assistance. I have continued to pursue justice for the past eight yearsand havent given up, nor will I. "I cannot imagine a law that would allow for a statue of limitation to refuse my right to pursue justice, when Justice is not offered as a practical means to pursue" What I need is an Attorney who Knows and understands the Law enough to be confident in his abilities to seek the Justice as so deserved, and set the precidence for the many, I'm sure, thousands of consumers that have been wronged by top rated Mortgage Lenders that steal peoples houses and get away with it. I had the hardest time trying toretain a Defense Attorney. I had one in the beginning, until one day he calls me to meet with him at his office, and askes me: "Did you happen to go to the JUDGMENT HEARING? I replied "No", you have all the paperwork, you're supposed to tell me when to be, and where to be. Not the kind of question I thought an Attorney would ask? Then I attempted to retain two other Attorney's. One, seemed scared to represent against Wells Fargo, but it was probably for the best, since in 2008 he was barred for a list of complaints. The other Attorney put it to me straight, they way he felt. He said that it could be a long, drawn out process, that unfortunatly, could cost more than it was worth, and that he really didn' have the time right now to dedicate. Yes, I know that most Attorneys probably want to get in and settle as quick as possible, maybe not even go to court, so they get paid quickly, not a whole lot of ethical problems with that, but dont tell me, the possible client that it is because you dont think you will be able to resolve this matter quickly; that what you are actually telling me is that you are incompetant. I believe that is what he meant! I ended up representing myself. Ha ha... never again! I filed a"Motion for Relief of Final Judgment." The Judge held my hearing in his chambers along with the plaintiff's Attorney via telephone. First the Judge said he did not have his paperwork, and asked me if I filed any? I replied "Yes" and I showed him my filed copy. He asked if he can read from my copy, so I gave it to him. He read the first half page, and said "that seems like a problem". Then asked the Attorney who was on the speakerphone if what he read was true? The Attorney replied "No". So the Judge then said he was denying my Motion, and besides that, he said, he didn't even have a copy of the Motion. I figure this is why the Judge held my hearing in his chambers. So nobody else, or a court room of people wouldn't be able to witness such an unjust hearing, unfair to one and supporting of another. Immediatly after the Hearing I spoke with the Judge's secretary and a representative at the County Clerks office. Come to find out the Judges secretary had my paperwork on her desk. The Clerk and I asked the secretary to go expain this to the judge, and see if he will hear the case again, under the circumstances. I stood outside the doorway as she asked. I heard the judge yell out "No, I have already denied it, so it is Denied." I am still not sure how he saw a problem I described in my affidavit, and a simple 'No" from the Plaintiff changed his mind. He has not even given a reason for denial to the County Clerks office.
So how are people facing forclosure supposed to recover from a wrongful or misdocumented foreclosure? Perhaps Mortgage lenders will continue to mislead them into believing the lender is doing everything possible to work with them to resolve matters, and by misrepresenting the facts, tell them that they are considering a program that may suit their specific needs, such as a decietful loan "Modification" that will be worked out to prevent the consumer from losing their home. Then after fraudulantly misplacing documents, and requesting them time after time; when they had them the whole time, and admit to it. Notify them the Modification that the consumer requested was denied, even after they stated "they will obtain investor approval" and finally, a reason of denial such as the one they gave me: "We are unable to come to a mutual Agreement". Whatever that means is beyond me? Then they can quickly Foreclose (10) days later. and let them know about it in a letter about (2) weeks after that. By the way, Wells Fargo sold my property to themselves for $85, 532.00. I drove past the property less than 6 month after and noticed a "For Sale" sign. Asking price was $225, 000.00. Somebody was gonna make a nice profit off me, wouldn't you say? Then in August 2005 the property was sold again for $201, 900.00.

This company is a joke! I've been faithfully trying to get a loan modification through wells fargo/hamp program since april. Due to an injury at work that has left me disabled and awaiting a second surgery, I have been unable to go back to work in over a year. My only income is disability and barely covers my mortgage payment and leaves nothing left to pay my other monthly expenses (Electric/water/heat). I contacted wells fargo when my mortgage was 2 months behind and explained the situation. I was told that I would qualify for a loan modification and I needed to apply for the hamp program. Thus started this vicious roller coaster ride that this company has put me through. I have sent in all paperwork that they have requested. I've called to make sure the information was received. Was told that my file was 'under review' and to wait for their decision. I call over and over again to check the status and i'm told the same response "it's under review". When I finally get notification it's to be told that i've been denied and I have to sell my home back to them. I call again and was told to resubmit all the paperwork again. Which I do, and go through the same process as before. I've done this 4 times already. Each time they tell me that since I didn't get approved for the program, there are others that I can get. This has been going on for 6 months with no resolution. They have threatened foreclosure twice. The most recent is a demand to leave my home by october 28th. I have put a lot of time, love, and money into this home and don't want to lose it. I've tried making payments but have been told that they won't take partial payments. This has forced me to sell things to make a couple of full payments but these payments are never applied to the principle. One payment is even 'on hold'. I see this company as a fraud. They tell you that you will qualify for programs under obama's new programs and get a new loan modification to help home owners in this terrible economy, but they are lying. I'm appealing to everyone. First of all, refuse to deal with this company if you are able to. They are pro's at fooling you into thinking they will help. Also, if there is anyone that can help me in this situation, please contact me. You can call or send an email to [protected]@aol.com. I don't want to lose my home and it's become clear that I will get no help from wells fargo. Thank you.

My house has been sent to forclosure and they had not try to contact me on this matter. I just got off the phone with one of the representatives and they informed me that I had not made a payment since 2009. I have bank statements and cancelled checks stating other wise. I just sent them a payment this past september and they returned it. This is how I found out about the forclosure. I have in the past requested a loan modification and was denied because they said I did not give the correct paper work. Which was not true. I have again applied for the loan modification and is waiting for the response. I am in the process of having a lawyer look at all the payment I have made to them. I believe there is some unlawful acts going on with this company and I am going to blow it out of the water. If any one is in this same situation please contact me so we can start a class action suit against this company. It is time for the us to stand and fight back.

My husband has a loan on his truck that was with Wachovia. Wells Fargo bought out Wachovia so now it is with Wells Fargo. We have struggled to keep up with payments because my husband has been unemployed for 2 years now, but we never fell more than 45 days behind until recently. We were a little over 60 days behind. They called my husband and asked when he would be able to make a payment. He said he didn't know and he would have to talk to his wife (me). He told them we would call back and let them know when we were sending a payment and how much. They really pressured him to tell them when he would make a payment and to authorize an automatic payment. You all know how that goes with any creditor. I handle ALL the financial matters in our family. He literally doesn't even have a bank account and is not on mine (he constantly overdrafts so I made him 'cash only') so legally he can't authorize any automatic payments. However, I have made online payments to Wells Fargo for his loan so they had my account information. Two days after they called, my husband received an automatic withdrawl notice for $600 + $10 fee. HE NEVER AUTHORIZED IT! I had the money in the account and it was behind so I just let it go. They took out $660. $60 MORE than what they notified us of! THey have locked us out of our online account access also so I can't even see if they applied the full $650. A week later we got another notice of automatic withdrawl of $260. We received this notice one day before the withdrawl was to take place. My husband called them right away. THey said they were going to get an account manager and put him on hold. He was on hold for about 3 minutes when he was returned to the main menu and told the offices were now closed. I called my bank in the morning and put a stop payment on all Wells Fargo transactions. Of course that costs $25...

I just want to also comment that my husband has tried several times to have me authorized on the account. First they said all he needed to do was give autorization over the phone and I would be able to call to handle his account. So he gave autorization. I called and they screamed at me saying I wasn't authorized and hung up on me. My husband called again. This time they said he had to write a letter to authorize me. He did that. I wasn't authorized when I called...and was yelled at and hung up on. He called again, this time he was told it had to be a specific form and had to be notirized. They sent the form, he filled it out and had it notorized. I put it in the mail. I still wasn't authorized when I called...and was yelled at and hung up on. We've given up on that.

I am a victim of Wells Fargo’s Loan Modification scam (HAMP)

September 27th, 2010:
In the summer of 2006 I was approved for an adjustable rate mortgage by Wells Fargo in order to build a home for myself and two children. My payments were very affordable until 2008 when an increase of over $800 a month put my monthly payment at over $1800 a month. I struggled but was able to make my payments until I suffered the loss of a job and a change in my salary in December of 2008.
I continued to struggle each month until June of 2009 when I was made aware of the government program called HAMP (Home Affordable Modification Program). I contacted Wells Fargo inquiring about the program. Wells Fargo informed me that after going over my financial situation over the phone with them, that I would indeed qualify for the program and that I would receive a packet via FedEx in a couple days to fill out and send back in. The packet finally arrived August 16th and I took great effort to fill out each form and gather copies of the required information. I returned the signed forms and packet containing all of my information within 1 day of receiving it. I contacted Wells Fargo a few days later to verify that they received my packet and they confirmed that they had my information and would be reviewing it. I was assured that I would hear back from them within 30 days and not to make any further payments until it was determined what exactly my trial period payment were to be. I did not hear from them within the 30 days, and began calling to find out what was taking so long. I was told that their department had thousands of applicants and that it may take a little longer. Again, I was also told not to make a payment yet and was assured that very soon I would receive that information in the form of a FedEx package. Two months went by.
I finally received the package 10-26-09 and was given a “Welcome to the program” letter with contract and an outline of the three trial period payments of $691.86 with the first one being due 12-01-09 (over a month away). I called Wells Fargo and immediately set up the three payments via personal check predated for several days before each due date. I wanted to make sure the payment reached them before the actual due date to show my intentions of good faith.
The first payment was made 11-28-09, the second 12-28-09 and the third 01-28-10. I then anticipated hearing back or receiving some paperwork shortly after the last payment was made. I called a couple of days later to inquire about the steps being complete and what I should do next. I was told that it would again take up to 30 days to be reviewed and completed and that I should receive the same contract back via FedEx signed by them. When asked what to do regarding a monthly payment in the mean time, I was again told not to make any payments until the packet arrived. I received the packet containing the signed contract, via FedEx, on my door step in March 2010. The contract was signed by Wells Fargo 03-04-10. I called to inquire what the next step would be and was told that I would be receiving another packet via FedEx containing paperwork regarding the re-modification, making it permanent. I was told this could take up to 30 days and that my new payments would begin as soon as I received the paperwork.

April 19th I received a letter from Wells Fargo dated April 14th, stating that unfortunately I was not approved for the Home Affordable Modification Program because I failed to make my three trial period payments. I was so upset and confused because clearly I had made each and every one of those payments. In fact I made them early! I called at 7:35pm and spoke to Jonathan regarding the letter. He confirmed that I made each payment, and said that the letter was sent out in error. He was as confused as I was regarding the error, and stated that in fact a “New Trail Period Letter” was sent out automatically on April 15th, just after the erroneous “denial letter” was sent to me by mistake. He assured me that he was entering the notes from my call into the system and that it would be forwarded to his supervisor for correction. He asked me to wait a couple business days to call back so that it could be straightened out.
I called 04-21-10 and spoke to Breanna and seemed to have to re-explain each and every detail of the past ten months of beginning the program. She put me on hold for 45 minutes while she spoke to her supervisor and assured me that she was sending an email to correct the situation and have the “Second Trial Period” removed from my account. She instructed me to give the email some time to get to the correct department and call back in 3 days. In the mean time I received the “Second Trial Period” packet via FedEx. I again called back and asked to speak to a supervisor regarding the confusion. I was told that no one had yet responded to the email requesting help to remove the “Second Trial Period” and the women stated that she was not sure who to send another email to, or who was even working on my case. After an hour on the phone she stated that the only way to get back into the program was to start over and fill out the new packet that had just arrived. I explained that I had done nothing wrong and that I had received the signed contract back from Wells Fargo completing my portion of the program. She offered no help and again told me that I would have to start over and apply to the program for the second time. It was Wells Fargo that had dropped the ball, and I was falling through the cracks!
Feeling helpless, and scared of losing my home, I completed the second packet and again called and set up three trial period payments several days ahead of their due dates just like the first time. The worst part about the second trial period was that my monthly payment had DOUBLED! The first time my payment was $691, this time the payments were increased to $1, 224! Feeling absolutely helpless I dug in and waiting to complete the process for the second time. The first payment (this time) was made 05-28-10. Two weeks later out of the blue a Wells Fargo debt collections rep called me to collect a payment of over $11, 000 (late fee’s and unpaid mortgage payments). All along I found out that Wells Fargo had been reporting that I was not making payments and adding interest and penalties to my balance. I was in shock! I explained to the rep that I was in the HAMP program and that my first trial period payment (of the second program that I had been placed in) had been taken out of my bank account just two weeks prior. She put me on hold for 20 minutes and came back on the phone to inform me that according to the notes in the system, I had called to remove myself from the program! In fact the words she used were that I “requested to be removed from the HAMP program.” I was again in total shock that I was being told something so “out of left field.” I explained that I would never do that and it must have been a mistake on their part. I demanded to speak to a supervisor! I was told that Wells Fargo would have to “pull the actual call” and it would take 15-30 days for them to do that. I told them that this was illegal and that in no way shape or form would I have ever removed myself from any program that was going to help me keep my home and everything that I had worked so hard for. I threatened to call a lawyer and report them for this action.
The supervisor replied to me, screaming at the top of her lungs, that I was no longer in the program, it would take too long to pull the call and I could be placed in foreclosure! She demanded the only way to get back into the program as soon as possible was to start over the entire process again! Feeling completely helpless and defeated I once again was sent a package via FedEx to complete the process all over again.
It’s now June 2010. I spoke to Customer service rep Stacie and was told to make my regular monthly payment of $1, 295.92, which I have a confirmation number for. She told me to re-fax all of my information to the loss mitigation department and call 2 hours after to verify that they received the information. I did exactly what they asked and began the HAMP process for the third time. I was assigned a loan servicer whose name was Armondo Lopez.
I spoke to Armondo who told me that all of my paperwork needed to be sent in like clockwork every 30 days to maintain my status in the program, and to call at least once a week to check on the status of my approval. I called each week and continued to re-fax my paperwork, signed and dated every 30 days. Armondo called and informed me that in fact I was not accepted into the HAMP program due to my ratio of debt being 21% instead of the required 31%. He stated that I would be reviewed for “in house” programs. He encouraged me to continue to call each week and keep my information faxed in every 30 days. In the mean time, I continued to pay the $1, 295.92 mortgage payments for July and August.
09-23-10 I phoned Wells Fargo and during the identity verification process the customer service rep informed me that my home was in foreclosure with a sale date of November 4th.
09-28-10 I received a letter in the mail from Wells Fargo’s law firm stating that they were moving forward with the foreclosure process of my home, setting a sale date of November 2nd, despite the fact that my case is still officially under review with Wells Fargo. In the same letter, they informed me that we may qualify for their home re-modification program… the same one I’ve been applying to for the past 15 months.
From the beginning, I did everything Wells Fargo asked me to do. I never gave up, never withdrew and was on time with each and every application, contract and payment to Wells Fargo. Yet, I am currently in the process of losing my home.
Amy Cornish

Wells Fargo's credit card department has horrible customer service. They tell you one thing then do another. When you call to sort things out they tell you that "you need to be educated on how to use a credit card". Well I have two mortgages with your company, a credit score over 800, and a six figure income. I'm pretty sure I know what I'm doing.

I asked to speak with a manager and was told "she's just going to tell you the same thing". Sure enough, she was hostile from the beginning. I explained to her that my complaint was that they promised me one thing, but then did another and she just ignored it and said they were right. When I said she was wrong and that they shouldn't treat customers this way she said "oh excuse me, I guess you know the rules better than us employees". Her attitude towards customers was unbelievable and is the reason I will not be using Wells Fargo in the future. Her name is Michelle Bradford and I am filing an official complaint with the appropriate agencies in California.

I had similar instances of employees mouthing off to me when I first opened my account, the only reason I went through with it was that they promise to pay 1% of your credit purchases back by paying down your mortgage principal. It sounds like a great deal, but not worth their attitudes.

I brought in a cashier's check (wage) to cash. I asked specifically if the check went through and the money I withdrew came from the check. The teller said yes. The manager said yes. I asked again to verify since this check was my pay for a part-time job and donation and was my first time getting a cashier's check. They knew this. After withdrawing the money and wiring part of the money to on behalf of my employer as a donation, four days later my ATM was frozen. I didn't know why. After endless phone calls and visits, they said the check was a fraud. I was banned from their banks. All accounts were frozen and my savings emptied to cover the cashier's check. I filed a police report because of the scam. I asked Wells Fargo why they stated that the money went through and gave me the assurance that the check went through. They said they were not trained to tell the difference between fakes and real checks. Apparently, they are not trained in this. I didn't know this. I asked why they didn't tell me I should wait to cash my check, they said "well if we knew you were wiring the money, we would have told you." I asked why did they let me cash the check, they stated "well you have been a long time customer and you had the funds in your savings to cover the lost in the event it didn't go through." I asked them when were they going to notify me about the problem of the check instead of just closing out my accounts and labeling my accounts as a scammer: "they said it was there fault for not notifying me, but I am no longer welcome to bank with them ever." I asked them why they assured me the money came from the cashier's check and not my savings, they said "well that is not our problem. It is your problem to verify if a check is authentic, not us." Basically, the scam could have been avoided if they told me ahead of time to wait for the check to clear and that they didn't know if the check cleared or not. Instead, the teller and manager knew nothing and just said, "yeah, the money is coming from the cashier's check. everything looks okay." Bad business. No relief for customers. Deposit your money and lose it if they feel that they didn't do an adequate job of informing you.