Wells Fargo
Reviews and Complaints

I have been trying to get mt loan modified for about a year. I have been givin every excuse from lack of documents, you make too much money, u don't make enough, your property has equity, it's in review, the investor will not comply, they don't have a program for me etc etc. And yet they want you to start the whole process again by submitting "the latest financial information" and the rest of the paperwork trail again and again and again! I even went to a homeowners assistence workshop for 10 hours, was told I qualified and yet received nothing. They claimed I was misiing documents. It seems that is their favorite excuse. When I ask why do I have to keep submitting the same documents, I'm told because "it's there policy"!. I finally contacted my Congressmans office and an aide is working with there liasion. I was contacted by their liason & was told I had one day to submit the same paperwork again. I asked why I don't just submit the paperwork they claim I'm missing only and the laison said "because that's our policy". What a bunch of BS! I'm joing the Class Action lawsuit and putting my house up for sale. That's what I feel the bank wants you to do. They have investors who want your house if it has equity so they can flip it. In the meantime, I will occupy my home & hope for a miracle.

Last year in April I bought my daughter a car. The finance company that approved the loan was originally Wachovia. We had no issues up until they were bought out by Wells Fargo. My daughter lost her job last November, and had a hard time keeping up with the payments only receiving unemployment each week. In the past 3 to 4 months we have had nothing but harassment from them.

My daughter is currently 31 days behind on her bill, and I have had non stop phone calls from their collections department demanding the past due amount be paid in full this week or "further actions" will be done. One lady I spoke with claimed we were behind more than we actually were, and later had to correct herself. The man we have been dealing with is rude, insulting, non cooperative, non understanding and just cold. They call me at home, work and on the cell phone. We have asked them to help us out by deferring a payment for now, or helping us refinance the loan so our payments can go down, but they denied us both! We have been sending them checks for what we can afford each week and their collection agent says it's "unacceptable" and must be paid in full, yet they have no issue cashing those unacceptable checks! We are only behind $150 and this is the treatment we get!

My daughter has told the collection agent to not call me at work, so I can do my job and get money to pay their bill, but the jerk continues to interrupt me at work.

I filed a report with the FTC about their collection policy, but I'm sure it won't do any good. We will probably continue to be harassed and belittled by the unknown collection agent until the day we find an auto loan company to refinance our loan.

Anyone out there looking to buy a car, DO NOT ACCEPT A LOAN FROM WELLS FARGO! If you go through a rough patch, they will not help you out or understand your situation!

Sincerely,
Nancy

Opened a Medical Acct for Dental Work. No interest for one year. Made more than the recommended monthly payments, on time. Missed the 1 year mark by 10 days, not the recommended payment. They charged me the $462.00 interest accrued. The one year date was hidden in the fine print. Since the dental work took over a month to complete, I was not sure the exact date. I was not expecting something so underhanded. I've used interest free accounts in the past and I have NEVER had an experience like this.

Wachovia FORCED insurance on me illegally.
I have documentation from Allstate proving that my coverage homeowner's insurance never lapsed.
I also have a letter from my lawyer dated last year requesting that the Line of Credit and account be cancelled.
They failed to cancel my account and then added the insurance charge this year.
They also placed the line of credit on the wrong property.
I am receiving harassing phone calls from them (for THEIR ERRORS) and the stress of dealing with this is affecting my health issues

I took out a Prime Equity Line of Credit with Wachovia in 2004.
I HAVE NEVER USED IT AND MY BALANCE HAS ALWAYS BEEN ZERO.
Well, first off they put it on the WRONG PROPERTY
(I gave them the PIN number, lot number and address three times and they wrote it down.
FIVE YEARS LATER, when it came time for me to sell the rental lot, I had to race with a letter from my lawyer to Wachovia to get them to CANCEL the line of credit placed on the wrong property.
They faxed the proper forms to my lawyer, but FAILED TO CANCEL THE ACCOUNT.
(The gentleman at my local Wachovia demanded a $100.00 charge to put the line of credit on the CORRECT account, which I refused.) Their mistake, not mine.
I found that my account had NOT been properly cancelled SIX MONTHS LATER when I received a bill for $1, 118.00 for an insurance policy that they FORCED because my homeowner's insurance supposedly had lapsed.
(My homeowner's insurance has NEVER lapsed.)
I have faxed letters from my lawyer (from my local Wachovia's fax machine) to other divisions of Wachovia/Wells Fargo in addition to letters and documents from my insurance agent.

These letters and documents prove that Wachovia/Wells Fargo FAILED TO CANCEL MY ACCOUNT AND THAT CHARGES WERE FORCED ON ME ILLEGALLY.

They will never admit that they have made a mistake and will swear you have not provided proper documentation unless you actually go to your local bank and fax the papers from there.
THEN you need to call the branch and CONFIRM that they actually received the faxes
and follow up because they will
drag their feet,
lose your forms,
claim you left out a form,
(all so they can charge more interest)
and then you will receive harassing calls from a different division demanding payment which you may or may not owe. (Ask me how I know this.) Still fighting this out with them.
Damage Resulting = Emotional stress, Fibromyalgia pain and Chronic Fatigue and general health made worse.
THREAT OF DAMAGE TO CREDIT RATING.
Contact me = Y

Under who's permission you take action to go in peoples privacy bank account. I never accept anything like that. Specially when my staff got stolen, but I report it before you when in. I demand my money back, isn't that easy to get something that I work so hard. So I expect hearing from you soon or return what doesnt belong to you
I got for proof the info from my bank.
Martha ruiz
[protected]

Wells Fargo has resorted to numerous changes in their banking policies in an effort to make money.

1) Transactions are processed from largest to smallest each night. Not in the order they went through the POS terminals or any other timestamp. Why? Well if you overdraw on one, they can charge you $35 EACH for all of the smaller ones. Be careful.

2) Electronic notifications - While Wells Fargo publishes all of the elements of a real electronic age bank, their notification system is slow. I had e-notices setup and money if 3 different accounts. One transaction came in on Monday which put me overdrawn...I had money in other accounts to cover but did not realize I needed to transfer it until the NOTICE came via email Wednesday at 4:50pm. OUCH! They gladly processed 10 transactions across the following 2 days and charged me $35 each.

Bottom line - These practices are crooked and all to Wells Fargo's advantage. Spread simple things like this across their user base, it is a lot of money. Pure Profit!

Customer Service people will all tell you "It is in your Service Agreement"...which BTW changes about once a month. Rest assured those changes are NOT to your advantage!

I moved all of my business to Chase after 15 years with Wells. They have been awesome. Real-time alerts. Run your debit card and the transaction hits your phone in

My Wachovia Checking account now owned by the same Bank I have my Mortgage with-After being denied twice for mortgage modification they have charged my twice in past 3 months for an "Inspection Fee" once leaving a stcker on my door that our home was "Vacant!" So even though Wells Fargo will not modify my 71/2% loan I attempted to get caught up with them by sending a little extra when I could-Mistake! I send them $100 over my minimum and they charged me another inspection fee! Paying this $100 caused by checking account to be overdrawn $10, for which they simply charged me another $75 in NSF Fees- All in all doing business with this Bank cost me $115.75 in fees!
What a rip off.

They are already threatening to take my car. I told lost my job and home and the woman said thats no excuse when is our company going to get paid. I said not sure they asked for my address and what color of the vehicle. My payment was due the 8th. Panuzzo And its only the 12 of june. I write my last name because i am real person.Don't appreciate being yelled at or threaten at 17.9 % they ripped me off. and stuck me with a bill. My understand under florida repo laws can not threaten harrass me, which they have, worse company ever.

Currently have a Wells Fargo Health Saving Account. Recently received a letter from them stating they were changing the debit card issuance and reclaiming the three cards we have and re-issuing one card! Since there are 3 of us covered by the HSA plan, of course that makes it inconvenient if one of us needs health care services and do not have the card available. Their letter stated they were doing this for internal processing and that if it impacted us, we should use the card, get $ from an ATM and use that for the co-pay etc. Trouble with that is if we are not together, my daughter is at college, she does not have access to the card and we are not in the same city!

Call their support line and was told there was nothing they could do. I asked to speak with the person named on the letter, Elizabeth Dienst and was told that was not possible. They would not give her phone or email. I escalated to Wells Fargo Corporate and they also said they would not give the contact information and even went so far as to say they would document the complaint but that I should not expect any action.

Two day later, I got a call from Liz Ryan asking why I was so upset. Turns out that Liz Ryan is Elizabeth Dienst - guess they are using aliases. She told me they needed to make this change so they could issue each of us our own card and it should be completed in 6-9 months. When I asked why they could not run the process in parallel, she said it would "not be good for their bottom line". I questioned and she hung up! I called back, she apologized, told me they had made a mistake in the program, and that we should be patient for the 6-9 months, in other words forgive her for her judgement and remain inconvenienced and not have access to our funds! We ended the call with her stating she would be glad to help me expedite the movement of my account from Wells to another bank.!

This lady should be fired! Her superiors should be made aware of her actions, comments, and business judgements. I am now forced to change my plan, go through the inconvenience of transferring funds and getting the cards out to mY family members.

STAY WAY FROM WELLS FARGO HSA ADMINISTRATION!

They took six months for a refinance and quote us much lower closing costs that what was actual at closing. The old loan escrow was paid out to all kinds of accounts like a triple payment made to my homeowners insurance and a double to the township a interest payment to the old loan post closing and three HUD payments after closing and payoff of original loan driving it into a negative number. The new loan claimed the shortage from escrow from all of the overpayments on the old loan and they raised my monthly payment to make up for it. I have been trying for a year now to get it straightened out and all that has been fixed is I have received one refund for one payment from the insurance company. I have all the info and customer service says to send it to them so I do and I never once have heard back from them, so I call and start over with someone else and it goes the same way. I am considering a payment stoppage to get their attention, but I’m afraid that will mess things up worse. I need help!

Wells Fargo is a terrible company to work with and these words used are mild for how I really feel.

Around Sept 2009 I started looking into loan modification requirements as I saw my income dropping considerably. Though things were tight I was on time with my mortgage and car payments which are also with Wells Fargo.
I contacted both the mortgage and auto loan departments. Was told by the auto dept that they didn't "do that" for auto loans. And would refi my loan if I put down 7k. Yea guys, don't have!

The mortgage department stated that I had to go through a "forebarance" period first and had to provide a whole list of documentation and a hardship letter in addition.
During all this process I asked repeatedly if this would have an impact on my credit as I did not want to compromise this. they told me it wouldn't because it was like refinancing a loan. Ok then, I continued on.

The concept of forebarance is counter intuitive because it requires that you pay lower monthly payments based on the agreement they have you sign. Then at the end of it, typically 4-5 months, you have to pay the difference. So why lower the payments if you want me to pay it anyway, just later?

Not 2 months into this process I received an alert from my Equifax Score Watch and I had dropped 100 points because Wells Fargo reported that I was behind on my payments and even though they posted that there was an agreement it made no difference. When I was trying to refinance my car loan it came up as a derrogatory because it shows several months late.

Talking to people in customer service is pointless because you get a different person in a different city each time and they give differing information. Mostly they don't really like their jobs and do the minimum to assist and can't function unless it is scripted.

After many calls to different places I was put in touch with the presidential offices of Wells Fargo. There I spoke with the same person each time and he was clear that what had happened should not have.
So his solution to assist me was to bring my account current, end my forebarance agreement, send an update to the bureau to cancel out the derrogatory one and then restart application for modification.

I figured I had nothing to loose and went along with it. He had assured me he would be monitoring the account personally and it should not be reported until it was modified. Guess what. Yea, it was reported yet again. So you can imagine what my credit looks like now.
Additionally, the "investors" who are the ones that determine whether or not you qualify for modification, denied it because my mortgage was current! Am I missing something here? I couldn't believe it.

I am currently paying half of what my regular mortgage payment is under the new forebarance plan but when Sept comes and they want me to pay the balance, I won't have it. Last time I took all the extra money to pay off other bills and ended up having to use my tax return funds to bring the account current. This time there is no refund to access. I'll keep paying the reduce amount until...

Will they give me a modification? Who knows. But I'm not going to worry about it. I have done all I can.

The auto loan department, once I missed a payment, sent me to their collections and they called to offer me a modification. One year later.
Too late Wells Fargo. I cannot afford a car that you gave me a loan on in early 2009 and you qualified the car as being worth what the dealer charged me at 30k, giving me a loan for 25k and now you tell me it's only worth 13k.
So I say thanks for nothing Wells Fargo!

Aren't there laws and/or regulations that oversee the process? It is most discouraging...

WELLS FARGO IS THE WORST COMPANY EVER .

This loan was supposed to be done and recorded in april; currently I am showing that there is two trust deeds on the property and no reconveyance of the & ldquo;first trust deed” that was placed on the property in october of 2002. This business practice is unacceptable I expect that the original trust deed will be reconveyed, and the substitution of trustee will be filed in solano county. I also expect that the reconeyance of trust deed and substitution of trust feed that is filed in placer county to be negated in placer county. I do understand that once a document is recorded in that county it cannot be removed but you can resolve the problem at hand insuring that it does not affect my personal record.
I have been dealing with wells fargo for over two weeks and have not gotten a response from any of the persons that I have been dealt with via phone. They refuse to give an email address and last name for anyone in the post closing department their excuse is that for & ldquo;security reasons you can fax but cannot email the post closing department.

Nationwide title
The title company has not perfected the lien against the property nor have they reconveyed the first that was original placed on the property as you see by the solano county assessors’ office. According to placer county assessor’s office the title company failed to put a assessor’s parcel number on the documents so that they assessor’s office could compare the parcel number with their records. Placer county assessor’s office also failed to compare the reconveyance of the trust deed with the trust deed that was supposedly recorded in their county. Having this information at hand, placer county assessor’s office failed to send the documents back to nationwide title for further review by nationwide title.
This poses a problem of great concern considering the property is located in solano county, california, and should have been sent to the solano county assessor’s office located at:

My name is Carlos Tellez
I have a Car Loan with; Wachovia Bank, a Division of Wells Fargo Bank, National Association
My Loan # [protected] my monthly contract payment is $314.74
My life with the Wachovia Bank, A Division of Wells Fargo Bank, National Association it has been
A nightmare.
When I got the loan I requested for 5 years and when I signed it was for 6, I thought I was signing for 5 yrs
My payments is $314.74 monthly,
My payment’s option is.
1. Sending a check
2. On line
3. Over the phone
There is not option of extra payments tours your principal.
I have been calling and I was told if I want to make a payment on line if I pay extra I have to call back
To repost my payment, if I pay $339.74 the contract payment is $314.74 and the extra tours the principal.

What this bank does is, they applying my extra money tours my monthly payment,
On FEB 2010 they make pay more on my monthly payment because I did not pay enough
If I am making my payments early, and I paying more without skipping a month how I have to pay more.
How my principal does not go down?

The customer service representative told me to call back to get my extra payment posted tours my principal.
Every time that I’m calling is a problem.
Each one tells me something different.
Wachovia Bank, a Division of Wells Fargo Bank, National Association
asked me to make my payments on line
But Wachovia Bank, a Division of Wells Fargo Bank, National Association does not have the options to make principal payments only, after I called and told them that I will reporting them to consumer’s complaint.
They told me that I have to send a separated check to be apply to my principal
Es inconvenient for me I have to pay more en stamp, envelope, gas.
So why Wachovia Bank, a Division of Wells Fargo Bank, National Association suggesting to their customer
To make payments on line?
And they do not have the options. They told me that the system applies the extra money tours my principal.
And is not so.

This will explain my next payment

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Account Summary
Welcome to eServices. You last logged in on 06/11/2010 11:42 PT.
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Account Summary: [protected] - 2007 TOYOTA YARIS
Description Amount Notes
Principal Balance $6, 341.41 What is Principal Balance?

Last Payment Posted $339.74 Posted on: 6/10/2010
Total Next Payment Due $237.74 Due: 8/23/2010 Click here for details

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Please help me some one.
I am not an illegal alien. I’m USA

My house burned down in january 2010. My insurance paid me a sum less than my mortgage. I gave this money to Wells Fargo to pay toward my mortgage. They put it in a "restricted escrow" account and did not apply it to my loan. I told them - repeatedly - that I was getting a new loan to pay off the remaining balance (34000) and to rebuild, therefore I needed that money to go toward the balance not sit in limbo land! They refuse to apply this money until the remaining balance is paid. The new loan will not close until the true balance is reflected. This is a catch 22 that has now made me homeless. I still pay $1225. per month on a loan I truly only owe 34000. on with most of that money going toward interest because I am paying interest on the original amount - even though they have $90000. sitting in limbo! What a scam! I call their customer service numbers to no avail.

I am writing this letter to let WELLS FARGO know how unfair you have treated me and I have been a Wells Fargo customer since 1980. You went into my accounts and withdrew funds without my permission or acknowledging me so I could take care of the debt. For one this loan was set up as a business loan and the business dissolved. The loan was originally set up by the president of the PCLM LLC. Even though I did sign for the loan as a guarantor not knowing what the fine print says or knowing what it actually meant if the business did not pay the money back. I signed the loan but no one else is held liable but me and that is not fair. I was told by Dennis Cachuela that he would take care of this loan since he had left me to care for other things in the businesses. No one contacted me to tell me or advised me of my rights, it’s been over two years. Normally you are given a judgment before money is taken out of your account. When did this change? I feel I was taken advantage of and you did not even give me the opportunity to make arrangements to repay this loan.
You went into my accounts and withdrew funds from my parents Social Security account yes I moved funds to pay their rent and you took those funds. As well as taking my child support payment that has taken over years to get from the non custodial parent. I feel that if I was someone else other than single black women you would not have done this. You left me with absolutely nothing and that is wrong. No money to pay bills; put food in my house for my elderly Mother and my son. No funds to do nothing not even buy groceries. That is wrong….Especially since you did not give me time to work it out or advise me that this loan was not being paid.
You can look at my other loans, credit cards and accounts and you can tell that I do pay my bills. So you should have given me the opportunity to pay this bill. As I stated to Brandy the collection person I am not going to run away from this bill yet I cannot pay the out rageous amount that she wants me to for $500 I did offer to pay $200 per month. I already pay Wells Fargo $1, 050.00 per month for 1 Visa card and 3 loans. All which I am paying on time and now you have taken all my money so I cannot pay anything. I pay Wells Fargo over 1/3 of my salary I just cannot pay any more. This is one of the reasons why people file bankruptcy. I owe Wells Fargo over $108, 735.00, unsecured/secured and I know some of those loans were probably given to me just to make money, they should be legally challenged.
Wells Fargo did not give me time to explain what happen just the loan is not paid and we need to go after someone. The other partners left me holding the bag on this loan and other things and I have tried to get help with this situation. Bottom-line no one contacted me to pay this bill and that is wrong my address and phone numbers has not changed. I need my money reinstated and I want to dispute the transactions on my accounts. Finally, set up a reasonable payment plan to repay the debt stated above.

Wells Fargo Auto attempted to contact us at our home regarding a late auto payment and when they couldn't get us, the contacted our next door neighbors (whom we don't know) and asked them if they knew us. They proceeded to ask them to come to our house and return the call. That is one of the most unbelievable things that I have ever seen. With this company for 7 years and 2 auto loans and this is how they treat you when you are late with your payment. Never again will I ever use Wells Fargo or any of its subsidiaries.

I live in California. I had/have a business credit card and line of credit. I am really SHOCKED at how they are treating me! I fell behind due to unemployment and tried to work with them the best I could. They now call me every 20 minutes. I am taking photographs of the calls on my phone screen to prove how many times they are calling me. I no longer intend to even try to work with them. The last call they said I would have to be further behind before they would even try to work with me...but they would continue to call as often as they wished. SO...forget it. I don't even care anymore and they can go to hell. I am actually concerned about getting a job now because I know that they could call me at work. I am not sure what their goal is. If it is to get people to pay, they are making a huge mistake. When this started I had great credit and a good rating. I am demoralized. I am looking at moving from the United States entirely. We treat people very badly here, especially the banks who are posting record profits despite their knowledge of the unemployment situation. California is at 12.6%

The picture is just from the past couple of hours...they start this at 8:00 am everyday of the week!

Patrick Parhami is the Branch Manger of this office. I have never heard of such horror stories than what comes out of this office. The yelling, talking down to staff. This guy seems to think that he is better than all of them. Sad that his performance is based on there production. I've heard about his 7 & 7 rules... how silly.

You can't pretend be in Disneyland, Patrick... when you work in hell! YOUR SIR, make the work environment terrible. Your staff would perform if you just let them do what they need to do. Mentor your employees, help them reach goals, praise for a job well done. When you give reviews and don't reward for performance, it shows.

The best Manager is the one that allows them to manage themselves. But of course what do I know, right..