Wells Fargo
Reviews and Complaints

I contacted Wells Fargo on December 23 2008 and requested a shipping letter so that I could ship mu 2006 Toyota from
Honolulu HI to California. The shipping company requires a letter from the lein holder. I was told on 12-23-08 that Wells Fargo could not send me an Email and a nfax could take three days. So I opened a Fed x account so that they could send me the shipping letter. As of Monday 12-29-08 no letter. I called [protected] and spoke to five different people who could care less. The supervisor Sue Dimartinez would not speak to me on the telephone she was in a meeting. The people who send faxes go home at 3pm. I was told that I should have called weeks ago. I guess it takes weeks to send a fax.
I will call the President of Wells Fargo tomorrow every five minutes until they fax me the letter I need to ship my car.

My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. i'm going to share my story with you and then follow up with someone who was able to, just very recently, get wells fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail cara k. heiden, mary coffin, and sharon cecil in the wfhm executive office. I give you their e-mails, direct phone number, and address below. please try. i'll say prayers for you and your dear families. remember, keep trying. expect god to bless you. and I know he will.

In november 2006, wells fargo d. b. a. american servicing company (asc) decided to escrow on my mortgage loan. for no reason. my taxes and insurance were always paid on time. theyd never escrowed before. then, instead of paying my annual property taxes once, they paid them twice. and I had already paid them. then they pre-paid my property taxes that werent due for another year. id never had an escrow account with them, so usually the balance was zero. now it was -$5500.00. my mortgage payment increased from $655 to $1446 a month. I cant pay it.

Wells fargo admits their error. they promise to fix it. then they dont. again they promise to fix it and reverse all the late charges. doesnt happen. no one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

Asc phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. so many asc customer service agents promise all your problems are taken care of, rest assured. when you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. so then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. they will give you their three-letter employee id code that has never helped me a bit. many agents refused to give me the companys physical address when I wanted to talk with someone face to face. over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan i’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. so in february and march I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. four days later im told my documents were never received so my home is in foreclosure.

On april 23, 2007, I was emergency admitted into river oaks mental hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. wells fargo mortgage made a mistake, and acknowledged it. however, they were unable (or unwilling) to fix the problems their error created. my sister was given power of attorney so she could resolve the issue. upon discharge from the hospital an asc agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. they promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

Two days later I received a notice advising me of the sheriffs sale date set for my home.

My home was my savings account. and it was my retirement account. more important, it was my security blanket.

The october 3, 2007, sheriff sale date has been postponed and wells fargo has told me they want a satisfactory conclusion to this nightmare. ill keep you posted. today is october 9, 2007.

Wfhm admitted errors and apologized in two letters received on october 24, 2007, and october 29, 2007, from todd m. boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

Then they sold my home at a sheriff sale. they took my home, almost $100, 000.00 in equity, and i'm lost without my home. god bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. two years of fighting for all i'm worth just can't end like this. I will never stop trying to find restitution and peace. and I will never stop sharing my story just in case it might prevent someone else from losing their home. from facing agonizing months on end. being turned inside out with fear and pain. from losing their retirement, their live savings, their security. if I had children, I don't know how i'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. it just breaks my heart.

But remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from wells fargo bank. so do not give up!

I know help is coming soon for all families facing foreclosure. god bless anyone who helps someone keep his or her home.

Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com (don't hesitate to contact me!)
[protected]
[protected] fax

Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.

Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com

Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com

Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com

Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com

Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]

Below are recent emails that have encouraged and comforted me:

Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

E-mail from 'jackie euper' to 'kelly l. hansen' (www.complaintsboard.com)

Wed, 17 dec 2008 10:48:53 -0600

Kelly,

First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper

Kelly,

First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from 'kelly l. hansen' : —

Attn: jackie euper & sharon cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. god bless you & I hope you have a merry christmas!

Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.

That's thrilling!

Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com
[protected]
[protected] fax

print - close window
Date: sat, 20 dec 2008 07:12:07 -0800 (pst)
From: "kelly l. hansen"
Subject: you deserve each and every blessing you receive, jeff. because you give your heart to others.
To: "."
Ok - wow, how do you share your heart so well? you have blessed me with your success story. can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

I wish you would have been able to do the fox interview! it sounds like god is using you by giving you so many opportunities to share your story! very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. that is key and something I never considered.

Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

May I ask where you posted your story? I want to go the site and read it!

Now, I ask for your prayers. I lost possession of my home two weeks ago. your letter, your warmth, delighted my being! once again, perfect timing!

You've energized me to get your story out and get back to what I love doing. thank you, thank you, thank you. I really love being thought of as a guardian angel. I so very much want god to be able to work through me. and i've prayed for specifically that just within the last few weeks. so wow, thanks so much for your affirmation. hugs and kisses to you, to your family, and may your holidays be filled with joy, and peace. aaahhhhh. sweet, sweet peace. god bless you, all of you.

"." wrote:
Hi kelly,

Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) thank you!
And yes, you can post any, and all of my stories. we're in this together.

The blog you posted saved our future! the key to asc success was dealing with one individual, and after sending emails to wells fargo's president, v p, and cfo, I had a response in four days from asc! my wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"we are calling you from the executive department of asc, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden... this? it was like seeing 911 all over again, I don't believe what i'm seeing, and hearing!

I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. as I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. when I sent those emails out, I never thought a reply was coming, but something happened.in the subject line of those emails read "why do you want my home?" I proceeded to explain the 100's of horror stories written by asc victims, and how they all sounded alike, as did mine. the one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you kelly.

All I did was google "asc complaints", and omg, there you were, along with more than I could handle. fox television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the special forbearance option that was about to be put into motion. we got the forbearance, yet within a week, asc called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. i've got you to thank for this kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. asc has also told me that the plan I suggested they implement for us, will now be used in other situations. a plan that has never been used before. i'm a realtor, suffering like everyone else, yet wamu agreed to a loan mod on another property that I own, and worked so well, I had to tell asc where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

so there you go. it's snowballing, and god used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in microsoft word, and was able to retrieve it. I needed to say thank you over and over again. i'm a firm believer that when you do good for others, good comes back to you. you're a god send kelly, and I owe so very much to you for what you have taught me. if not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. a million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful christmas to you and yours!

I believe in miracles kelly, and whether you know it or not, god appointed you as my guardian angel!

Warmest regards,

Jeff taylor
— original message —
From: kelly l. hansen
To: [protected]@cox.net
Cc: kelly l. hansen
Sent: friday, december 19, 2008 9:14 am
Subject: i'm so happy for you! thank you for your kind words - they mean more to me than you could know.

Wow — I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "god I have to have some good news today!" your e-mail may have been written a few days ago, and i'm sorry I didn't get your voice mail, but god used you tonight, jeff. just knowing you took the time to write is awesome. you will just never know, honestly, what a blessing you are.

So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

People are so scared to trust anyone - and they should be. may I share your e-mail with others fighting to keep their homes — and prayerfully some equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. so let me know if you are comfortable with passing along some smiles.

God bless your heart. I thank god above that you were blessed with a positive outcome.

If you have already written your story anywhere, i'd love to read it! I want to know (I promise i'll keep everything confidential) who finally cared enough to help a hurting homeowner!

Yes, i'm still in my home but now after wells fargo bank dba americas servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account — 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist llc. "equity-strippers." to just say just the very least, and leave you alone, they forged a quit claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now i'm fighting with

Apple assets lc
Beid: 3016292
Darrin t. volk and larry hedenkamp
9379 west 75th street
Overland park, ks 66204

Under investigation for mortgage fraud, forgery, and sexual battery — six identical cases in court at the same time all quit claim fraud, all forgery, but i'm still fighting just so exhausted. dear lord, what's up? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around — if I were you and finally had a happy ending, I sure would understand if you prefer to move on.

If I had a happy ending, well, i'd still stay very very deep in this. too many people have too much to lose. and they are losing it.

Tonight i'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. so, so nice.

Thanks for sharing.

"." wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

This is an admonition to anyone shopping for a Reverse Mortgage Loan (RML) lender to think twice before using Wells Fargo bank's mortgage services. My current experience with them is bringing back unpleasant memories of an earlier experience with Financial Freedom, which was the arm of Indy Mac bank that specialized in RMLs.

On November 4, 2008 I sat down with the Wells Fargo's Reverse Mortgage Loan (RML) agent at my home in eastern North Carolina and initiated a new RML. This new RML was to refinance a RML that I had gotten over one year earler through Financial Freedom. Since closing delays had made the experience with Financial Freedom very frustrating (12 weeks and one day), I specifically asked the Wells Fargo agent what I could expect the elapsed time to be for their closing date, and was proudly told that Wells Fargo had a policy of closing in 30 days or less.

Forty-four days have elapsed as of today (12/18/2008), and I have not been able to get Wells Fargo to even set a closing date. I call their regional representative, she says she will check on the status of my closing and call me back, but she usually does not call back. When she does call back, it is to tell me that they are understaffed and overworked (who isn't?), and that a supervisor will call later today. She has stated that all the documentation is in place, but that the processing hasn't been completed.

Since Christmas is only eight days away I am growing increasingly frustrated, and I am expecting Wells Fargo to use the holidays as an excuse to set the closing for the last week of this year or the first week of 2009. If so, my experience with Wells Fargo's closing will far exceed their assurance of 30 days or less, and may end up being very much like my experience with Indy-Mac/Financial-Freedom.

My RML with Indy-Mac/Financial-Freedom finally closed on May 31, 2007, and the FDIC took over Indy Mac less than two months later in July. The agent that took my recent RML application said several times that Wells Fargo was financially sound, but the guy with Indy-Mac/Financial-Freedom said much the same thing. Now I am wondering if an inordinate delay in setting a closing date is a sign that a bank is short on funding and about to fail.

Does anyone have any inside information on this? Should I cut my losses with Wells Fargo and go with another lender? If anyone knows anything, please clue me in.

Wells fargo home mortgage might be turning things around!

I've been intent on sharing my negative experience with wells fargo home mortgage so I think it is important to encourage you with these positive e-mails i've received within the past weeks.

It is my prayer these will make you smile, and renew your hope! and, help you resolve your issue with wfhm.

I'd love to hear from you, anytime! god bless each of you.

Kelly l. hansen
33605 w. 88th street
Desoto, ks 66018
[protected]
[protected] fax
[protected]@yahoo.com

wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

Attn: jackie euper & sharon cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. god bless you & I hope you have a merry christmas!

Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.

That's thrilling!

Kelly

[protected]@bellsouth.net wrote:
Kelly,

First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from "kelly l. hansen" : —

Jackie,

[protected] direct to executive office of wells fargo home mortgage.

More and more people are writing and claiming successful outcomes in their dealings with the executive staff at wells fargo home mortgage, so I have high hopes for you!

Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.

Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com

Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com

Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com

Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com

Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]

I'll say a prayer for you now... please let me know how things progress for you. they have no right to hold your money. good luck jackie. thank you for writing.

"complaintsboard.com" wrote:

E-mail from "jackie euper" to "kelly l. hansen" (www.complaintsboard.com)

Wed, 17 dec 2008 10:48:53 -0600

Kelly,

First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper

If you think you received this email by mistake, please report to editor. [protected]@gmail.com

Kelly l. hansen
46-year old now living with her 70 year old mother
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com
[protected]
[protected] fax

Warning to investors and consumers: don't go to wells fargo!

I cant beleive I financed a vehicle with this company. I have had so many people tell me how crappy they are and I still did it...
My truck payment is due on the 28th or 29th of the every month. I am not behind - I have a 10 grace period on my loan. Yet if I dont make the payment by the 1st the calls start rolling in. They call every hour on the hour. 1st the toll free number will appear on my caller id - then a south dakota number - then a missouri number - then a conn number, and it all starts over the next hour. Never do they leave message. THIS PLACE IS RIDICULOUS! MAN I SURE REGRET DOING BUSINESS.

First, let me say I made the mistake of overdrawing my account. There was one large check for over $4, ooo, then several small checks and debits which all cleared the same day. This bank works it out so the large check is debited first, depleting the account so all the other small charges rack up their $35 overdraft fee. What could have been one O.D. fee becomes $315 in O.D. fees assessed in one day! What a racket. How is this legal? It's two weeks before Christmas and I feel as if I have been mugged. I need a bail out.

Connie Walker, Mortgage broker, New Port Richey, Pasco County

expected us to close on a house today with wrong information on the HUD statement that she hadn't looked at until closing. Tried to get us to sign with wrong homeowner's insurance amount ( I confirmed with agent that she had the correct amount of $580, not $1, 370 in plenty of time) and tried to get us to pay $1, 120 in points that were to be waived.

She said "I'll fix it later". We said no, get it right. We are supposed to close on Tuesday at 2p.m. We are letting EVERYONE know what she tried and how she messed up our closing and move. Please tell us who to complain to! We are stuck with Wachovia because we have to close by 12/19.

This bank is the biggest rip off ever! They do nothing to help you with your home mortgage unless you are around 90 days behind! What good is that? Unlike other banks, they are NOT reaching out to customers who need assistance but are not behind on any current payments. They will wait until you crash and burn first before reaching out to you. THEY NEVER MODIFY ANYTHING. ALSO, THEY NEVER GET BACK TO YOU. I HAVE CALLED 20 times, handed in all sorts of applications for assistance and yet still, not even a phone call back! this bank is a scam!

Due to negligence on the part of Wells Fargo and Washington Mutual I have lost my house and my good credit rating. 2 and half years after my divorce and the bankruptcy of my business, I re-established my credit an purchased a home for my self. I refinanced that home after a year to get a fixed rate and rid my self of the 80/20 scam. Wells Fargo granted my the loan but it was a variable rate loan and I was told that I could refinance after a year to a fixed rate because my credit was good. After the year I submitted the paper work for refinancing with Wells Fargo and other lenders to find that I was turned down because of my debt to income ratio was no good. I had not purchased or done anything with my credit during that year and my income was about the same. I fought with Wells Fargo for a week to find out what could be done, clearly there was a mistake, but no one could tell me. So I began an invention of my own. The first thing I did was submitted and application to pay my bill on line with Wells Fargo online banking, and lo and behold, I didn't have a $140K mortgage but I had a $268k mortgage. In short, they purchased my X-Wife's mortgage and attached it to my account. I called them and explained it to them. They act like they didn't know, surprising to me. I communicated with them for a week alone with Washington Mutual. They began accusing one another. Finally I was asked to submit all the paper work to each bank. My divorce, my bankruptcy, my quick claims deed. After that I fax them the paper work, they confirmed that they received it, both banks, I didn't here anything from either of them for about two a month. Then I received a letter from Wells Fargo, A foreclosure letter. My account had vanished from the account log on page of Wells Fargo, but my X-Wife's account was available for me. I can view the activity of her account but my mortgage account has vanished. They will not respond, my credit has been totally destroyed, and I don't know what to do. Can anyone help?

Approximately two months ago, I began receiving phone calls - sometimes twice a day - from Wachovia asking for someone I did not know. They were told that I was not the person they were seeking, and I was assured that my phone number would be deleted from their list.

Yesterday, these phone calls started up again asking for the same person as before. I have been called twice today. I returned the call and told them I was not the person they wanted, and that I did not know this person. And once again I was assured that my phone number would be deleted. What else can I do to stop these phone calls?

It seems this complaint is pretty common among this board. So I fell victim to the same forced placed insurance as many others. A few months back I changed insurance companies to get a better rate. For those who don't know, in CT it is illegal to hold a car without having insurance so the companies here are very stringent about getting the coverage right and not putting their customers into a legal problem. Wells Fargo apparently never got confirmation of this. They claimed they received word of the cancellation of my other insurance but not of this new coverage opening up. Which is absurd, first off, considering CT's law. So, rather than try to confirm it themselves which any company can do easily, they tack on forced insurance through balboa. Let me try to make this as concise as possible. The collection calls begin. I called Wells Fargo and they told me they couldn't help me at all, that Balboa is a completely separate company and that my gripe is through them. I called Balboa and they said they needed more info, so I made a three-way call with them and my insurance company. My insurance company (Unitrin) is fantastic and the woman made verbal confirmation and Balboa said OK, we'll update the account, we don't need anything more. Hang up. Next day? Collection call. This is three days later now and Wells Fargo is still looking for money. Are you kidding me? Wells Fargo claims that when I make a payment (Mine happens to be 475.69 a month) the first part goes to interest, the second, goes to forced placed insurance, the third part goes to the loan. Which means that they give my money out to a separate company before taking the part that I owe them? Give me a ------ break. If I ever had to do business with Wells Fargo again, I think I'd shoot myself. What are people doing to resolve this garbage?

Let me begin by stating I have been living a nightmare due to Wells Fargo Auto Finance harrassment. I have not been without auto insurance; however, they continue to charge me for collateral insurance on my auto loan.

It is truly a ripoff. I have reviewed numerous complaints about this company. IT WILL NOT STOP UNTIL WE BAND TOGETHER AND TAKE ACTION.

HERE IS THE WEBSITE FOR THE CLASS ACTION LAWSUIT:

http://www.protectingtheconsumer.com/wells-fargo.php

Please visit the site as soon as possible.

This is the most incompetent, careless and dishonest company that I have ever dealt with! I got divorced in 2004, and my home was given to me. However, Wells Fargo not only turned me down for an assumption under my own name, they issue me refund checks that both myself and my ex-wife have to sign. They completely disregard court orders. I sent my divorce decree NINE times, and NINE times they lost it. I had to hire an attorney to force them to re-issue my escrow refund in accordance with a four year old court order! What's worse, is that Hurricane Ike struck and damaged my home while all of this was going on Sept 12, 2008. My insurance company made a settlement check to me and Wells Fargo. After speaking with several people, all of whom make up rules as they go along and have different answers for the same questions, I am back to square one. I had to re-hire my attorney because the exception department at Wells Fargo Home Mortgage says that they have lost various pages of my disaster package. I have wasted almost two months dealing with these idiots, and I am in danger of being sued by my contractor because they are never going to give me my money. I am forced to live in a home with ceilings and walls that are on the verge of collapse, windows covered by boards, mold growing in the attic insulation-the list goes on and on. I cannot believe that Wells Fargo shows such little regard for people who give them business. Every day I try to reason with these people and am told different stories, lies, and no one seems to know what is going on. For an industry that is in trouble, Wells Fargo has to be THE WORST representation of humanity next to Osama Bin Laden! Why is our government bailing out ### like Wells Fargo? We should have let them collapse so those people would have to work minimum wage jobs and live check to check like a lot of us. I guess I got victimized by Hurricane Ike once, and now Wells Fargo Home Mortgage is making the suffering even worse for me and others around the Houston/Galveston area. I am speaking with a reporter from the local Fox affiliate station, and have posted a large sign on my property letting the rest of this devastated neighborhood know that Wells Fargo Stole My Insurance Check. I look forward to suing them for the incessant misery that they have perpetrated on my family.

First, Wells Fargo told me that a cashier's check is as good as cash. So I sold an expensive camera on Ebay for $15, 000 and the buyer gave me a cashier's check. I took it to Wells Fargo right away and they refused to cash it. I said 'You guys told me a cashier's check is as good as cash. What's up? They just kept saying 'We don't know if there are funds to back it up.' I said 'Well then why are you telling me it's as good as cash? I wouldn't have taken it if I had known that wasn't true.' They had no answer.

I finally cashed it at the issuing bank (Sumitomo Bank), but it was a huge hassle. So yes, I also have a problem with Sumitomo Bank. They only had one branch in Northern California, I had to go there, they detained me for an hour while they figured out if the check was real, and they refused to give me a new cashier's check (only cash). The CSR said 'why do you want a cashier's check? You already have a cashier's check.' I said, 'I don't want the person who wrote it to be able to stop payment.' That just opened a can of worms because now they considered me suspect.

They also made me fill out an FBI form because I was receiving over $10, 000 in cash (after deciding they would not give me a check). So I walked through San Francisco with $15, 000 in cash to my bank. I was a little bit nervous. I then had to sign another FBI form and sit there for about another hour because the previous bank ran out of $100 bills and issued the $15K in small bills (again instead of a God Damn check).

Then I deposited about $4000 in checks in a Wells Fargo ATM. 4 checks. Suddenly checks I was writing were bouncing. I called WFB and said 'what's up?' They said 'You deposited an empty envelope.' I said 'No I didn't.' They said 'We'll do an investigation. It will take 10 days.' They finally found my checks, but in the meantime all the checks I had written bounced and I looked like an ### to everyone I had written a check. I use a credit union now. Don't use Wells Fargo. I hear B of A is just as bad. Don't use Sumitomo Bank either. I have more info, but this is taking forever.

Use a credit union. They don't fee you to death, they don't have to pay taxes so they don't screw you over.

I fell behind on my mortgage payments, I still needed to pay for Oct. payment, I called on Nov.13th to make the payment, thinking I would be current, since it is still NOVEMBER... I was told I could not make a partial payment, which confused me, so I told her I was making the full Oct payment, and was told that since it was already Nov I was also due for this month, and I had to make payments for BOTH months. I told her I only have money for 1 month, and she said she could not take my payment, and to call back when I can make both payments, because they do not take PARTIAL Payments. I told her that was crazy, and I have never heard of a creditor REFUSING to accept money. You would think with all the mortgage meltdowns and foreclosures Wells Fargo would try and be a little more considerate, but I guess they just don't care about their customers.