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Wells Fargo Complaints 1721

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12:00 am EDT

Wells Fargo stole money from me!

I have my auto loan with Wells Fargo. Earlier this month, they called me and told me that my June 07 payment had been reversed but they don't know why. I checked with my bank and found the check was paid on 7/5/07. I called Wells Fargo and told them, faxed the information to them and they still can't figure out what they did on their end. But alas, it gets better. On 7/19/07, I made my July payment (which was due the 16th) via their web-site. I also received a call from their collection department that day about the July payment. I told them that I made the payment on-line (via check) and the girl told me that the payment was rejected because they would not accept a check from me (although neither her nor I knew why). They wanted me to go to my bank, get $600 in cash and MoneyGram it to them. I told her it would take me a few days to do this. The next day, 7/20/07, another collection rep called me and we went through this whole big speel about how they screwed up the June payment and how I paid the July payment on-line but the other girl said it was rejected. In fact, I even received an email from Wells Fargo saying that the on-line payment was rejected. So, the girl says that she doesn't see any reason why I can't pay by check, so after confirming with her that the on-line payment was deleted and wouldn't be processed, I gave her a check by phone. Guess what? They deposited both the check by phone that I authorized and the on-line payment after rejecting it. They overdrew my checking account and have now cost me $245 in NSF fees. I called them yesterday and nothing got done. I called today and got a supervisor by the name of Melissa who got really crappy when I threatened to sue them. I am still overdrawn on my checking account, I don't have any money in my pocket and these fools at Wells Fargo are totally incompetent. I will tell you that if I don't get my refund plus my bank fees by 3 p.m. today, I am filing a criminal complaint for theft.

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Sheila Hodges
Jul 31, 2007 12:18 pm EDT

I have been battling with wells fargo auto for months, now they do not know what is going on with my account. They have even reported us to the credit bureau as having 2 accounts and both of them being late and we only have 1. If anyone out there sees this and has complaints about wells fargo auto please e-mail me at
shodges@vti.in.com.

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12:00 am EDT

Wells Fargo harassment & lousy response services

I purchased an auto through a local dealer and was sort of strong armed into accepting a 10.5% loan from Wells Fargo (percentage revealed as I was signing purchase agreement). Submitted all insurance paperwork to dealer. I had to buy a new car because my son had wrecked our car and it was fully insured. I needed a vehicle quickly so I accepted the terms hoping to refinance later. Almost immediately I started receiving notices from Wells Fargo stating that I had no insurance and that they were going to impose insurance from the infamous Balboa Ins. Company. My agent has faxed copies of my policy 3 times, and I continued to get statement demanding payment for insurance to Wells Fargo. I did not make my payment this month, as I am fed up with them and figured this would get their attention. Boy did it! They call me around 7:30 Am on Sunday, and 7 Am for the next couple days demanding payment. I found one nice phone person who accepted the actual payment (minus imposed insurance) over the phone... Wells Fargo continues to call me demanding my payment. Anyone out there interested in a class action suit? Now that I've started to do my research on Wells Fargo, I see that their lending practices are quite shady. They aren't nice grannies after all.

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Fed Up
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Mar 14, 2009 5:25 pm EDT

I have the same issue and I'm the Co-Signer. They don't call my brother in law who is the person paying the bill more than once -- but they call my phone up to 8 times a day and on Sundays. It is ridiculous. I took all of the numbers they ever called me from and saved them on my cell phone as something else (took 3 different names because there were over 10 different numbers) and I set the ring tone to one beep so that I know that I don't have to check the phone. My sister will make a payment through their online payment center and they will still call me for a week or two after because the people calling you say "I can't see that screen so I don't know if you paid it or not" BS. GGGGGGRRRRRRRRRRRRRRRRRRRRRRRRRRRRr...

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tracey r gordon
Dec 27, 2007 7:55 am EST

I HAVE BEEN RESEARCHING LAWYERS WHO DEAL WITH CREDITOR HARRASMENT. WELLS FARGO GOES BEYOND THE WORD HARRASSMENT. I CAN BE ONE DAY LATE AND THEY WILL CALL MY HOME &, JOB AS MANY AS 20-30 X A DAY NO EXAGERATION.

IM A NERVOUS WRECK WITH ALL THE EARLY AND LATE CALLS. THEY HANG UP CALL RIGHT BACK ITS NOT A COMPUTER ITS THEM.

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12:00 am EDT

Wells Fargo missing car loan payment

My son has a car loan through Wells Fargo Auto Finance. I co-signed the loan because my son is a college student without established credit. Either he or I have always made timely payments on his car loan. His payments are due on the 27th of the month. Back in March (2007) we received a phone call stating that the February payment was never received. I checked my records, along with my bank statement, and noted that I had, indeed, made the payment. I called Wells Fargo back (back, meaning I called their 1-800 number which connects me to a "call center." There are several call centers in the U.S. and customers have no control over which call center they will be connected to.) Thus began the four month run-around from which there seems to be no escape. Since that day in March, I have faxed information 4 times, and have spoken with Wells Fargo about 100 times. Twice I faxed copies of my electronic banking statements, showing the deduction from my account. A supervisor I spoke with, told me that I could have easily just generated those copies fraudulently, so told me to fax a copy of the bank statement sent in the mail. He wasn't very nice. (Couldn't I have fraudulently created that copy, as well?) So, I faxed a copy of the bank statement. Again, there was no resolution from that communication. Then, I went into my bank and asked if there was something I could fax that would prove that the payment had been made. The bank manager did his own research and came up with a trace number - generated by Wells Fargo - that was attached to the payment. The bank manager told me that trace number was for this specific purpose, to trace a payment in the event it went missing. I called Wells Fargo and gave the collection department (call center) the trace number. They entered it into the "notes" on my account in the computer. Apparently that wasn't what they needed. Next, I spoke with a woman from one of the call centers that told me to get a letter from my bank stating that the payment had been debited from my account. Again, one of the bank managers typed up the letter while I sat at her desk. She included her name and direct number so Wells Fargo could contact her with any questions. The next day I faxed this woman this information. I called her to make sure she had received it (she actually gave me her extension number). She did, indeed, receive the fax and said she would personally follow up on my account - that the file was on her desk. She told me to give it 10 - 14 days (keep in mind I had been told this three other times - its been 3 months at this point). Now, I have been trying to get a hold of her for the past 3 weeks, but every time I call the phone number she has given me, I don't have an opportunity to enter an extension number - I just get a "call center" . This morning I asked if I could get transferred to her extension. I was told that because the "automatic dialer" is turned on, there is no way to transfer me to her desk. I asked when I would be able to call her extension and the person I spoke with said that the automatic dialer was on a schedule and she wasn't sure when it would be turned off. I have no idea which calling center this woman works at, and no one ever seems to know who she is. Each time I am told that the information has been sent to their research department, and it is out of the hands of the "call center." I have spoken to supervisors, who have no authority to do anything. Just this morning, I was told - by yet another supervisor - that they would personally call the research department to try to resolve the issue - that this has gone on long enough. I asked if I could call and speak with the research department myself and I was told that that was not possible. I asked the "supervisor" to give them my number so they could call me back and update me. She said she would. Do you think they will call me back? Of course they won't. I have been told to keep calling the call centers and that anyone I spoke with would be able to update me on the status of my account. That is a bunch of crap! What a goofball operation! Nobody knows anything, and the department that is responsible for resolving the missing payment issue is off limits, apparently. I get called constantly, by their "automatic dialer." Because, according to Wells Fargo, I am one month behind, I keep getting late charges tacked onto my account. I have done everything they have asked me to do, and I am extremely frustrated. Any suggestions?

Shawn Scheel.

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Danielle Alferi
Sep 22, 2008 4:53 pm EDT

First hand experience, I closed my account with Wells Fargo because they kept charging me $6.95 every month for a checking account that was suppose to be free. When I complained about the problem, they said they would take care of the matter and it won't happen again, well it continually happened every single month, so I closed my account and walked the money over to Washington Mutual. Unfortunately, that bank was doing the same thing to me, so I had to close my account and moved it over to a bank in Alabama, where banking is, and this is my opinion, one of the best in the nation. They don't play games like the folks on the left coast do. They are forward and honest with you and do what they say they are going to do.

Anyway getting back to Wells Fargo, even after I closed out my account, they had the nerve to keep my checking account open so they could continue charging me their fees. I was absolutely rivided when I got their last statement, and when I complained to customer service about it, the guy who was suppose to help me was arguing with me, and refuse to credit my account, of course he switch me over to his boss, and the lady not only took care of the problem, she credited my account in full, and apologized to me for the inconvenience the bank did to me. I do appreciate the fact that some people do care, this lady gave me exceptional help, when it was needed. Unfortunately, the guy before her, needs to find another job, because he was not a professional at all. But we're stuck with what we get, until we demand a higher authority, and if you can't get satisfaction there, keep going up the later until you do.

I suppose the moral of the story is get a written statement from the teller who closes your account to write it down. I never take anybody at their word anymore, it isn't worth a grain of salt these days. GET IT IN WRITING! A simple sentence would okay, but make sure they date and sign it and file it with your bank statements for at least a year.

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Terry Levesque
Jan 20, 2008 5:16 pm EST

I am still in shock after reading all the complaints about Wells Fargo. How can a company like this still be in business? My daughter and son-in-law both lost jobs due to downsizing and outsourcing. My wife had co-signed the loan for their vehicle. Soon after both kids found new jobs that pay well with good benefits. In order to keep Wells Fargo at bay, we sent the kids $2,000.00 to help them stay afloat until they got their checks from their new jobs. Rather than relating another horror story, let me just say, everything I have read on this site plus three other sites concerning Wells Fargo's harassment, incompetence, lies, cheating, fraud, out and out theft, false advertising has happened to us also. I've already filed a complaint with the BBB and have advised my daughter and son-in-law to do the same. I am in the process of gathering as much information concerning their case and cases from other people that are similar which I will present to my Federal Government Representatives.

My wife's credit score has been totally trashed by Wells Fargo as has that of my daughter and son-in-law. I am not even sure that any of them will ever have a good credit report again. In lieu of all of this I am seriously considering filing a law suit. I've been in contact with my attorney and have been assured that we do have a case.

The problem is, Wells Fargo will recover and it will be business as usual for them. One or two small law suits are nothing to an "Institution" this size. If anyone is interested in starting/joining a class action suit against Wells Fargo please contact me immediately. My email address is: Eskymo52@yaoo.com.

How many hundreds of families have been ruined because of Wells Fargo and their shady, suspect dealings? If enough people band together we may be able to put an end to the madness.

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Stephen
Dec 17, 2007 9:10 pm EST

I worked at Wells Fargo, the company is corrupt, and anyone who opens an account with them is nuts.

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BRIDGET TORRENTE
Nov 20, 2007 11:23 am EST

The date was October the 24,2007. I made a cash payment for my auto loan in the amount of $500.00.

I had all my dogs in the car so I went through the drive through window of Wells Fargo Bank. I chose the isle closest to the bank and placed my money in the slider along with my drivers license. She took the money without counting it in front of me and went to the lady behind her for 10 minutes. I directly handed the lady $500.00 and counted this twice.

When she came back to the teller she asked," do you know how much you gave me?"

500.00 was my answer. She said, "no, you only gave me $400.00. " I was pissed but could not prove it and gave her another 50.00 which left my car payment short another 50.00. I was sure that I had enough money left over before I left my house. Now I'm short on the payment and no money left.
I confronted her about the missing $100.00. What could I do but take the loss.

Two days pass and a phone call from the loan auto alerts me that a payment has not been made on my account for the month of October. I explained why I was short $50.00 they told me sometimes it won't credit to my account unless the entire amount is payed. After going into the branch and speaking to the same gal who took my payment and admits to remembering the whole story about the missing 100.00, and the $450.00 payment etc... I gave her another $50.00 and she credited that amount to my account in less than a minute. She assured me we would find the payment and she had no problem with her memory.
For two weeks I retraced every step I took to find where that missing receipt went. I have 6 dogs and a convertible and it's possible it could have blown away with the wind or one of my 6 little dogs found it.

Unable to locate the receipt for the transaction but the gal still is trying for me. She explained to her workers and everyone new of my situation for two months and even though she admits to taking the money and misplacing it, with or without the receipt should have not made a difference in my payment since the teller has admitted to her mistake. Let the bank credit me from their own money and search for the missing money on their own time. Or deducted it from the tellers pay check. But to let me suffer when you have a teller who claimed to be a Manager her name is, Amanda Alvarez Service Manager ll Address is 7255 South Rainbow Las Vegas, NV. 89118 .

The bank has insurance for reasons like this. It's one thing if the teller denied the incident but she remembers all the dogs in the car and when I asked her about giving her the additional 100.00 that was never found and remember excepting the money that day. You can see how clear it is from the story above that with or without a receipt she still had not resolved her problem. My evidence is the teller and the bank won't make this right.
She remembers receiving at least the $450.00 as I was willing to let my missing $100.00 wash away. Let the bank take the loss or deduct it from the tellers check. But to make the customer pay twice is really shocking.

Could I have been more organized, of course. Looking at the situation from the start with this teller is a red flag that she stole my cash of $55o.00 and walks without answering to anyone. Sorry but two accidents in a 10 minute time frame is not something I consider an accident.

To much man power to rewind the videos for that day was what the bank told me. How about all the hours it took for me to earn the money given to your bank and not resolving the issue the right way. $550.00 means nothing to them. I worked for that money!

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Ami DeMarco
Nov 14, 2007 8:35 pm EST

I just refinanced my car with Wells Fargo in May of 2007, and since then, they keep trying to charge me for their own 'car insurance.' They keep claiming that they don't have proof of my insurance, despite the fact that I have faxed them the information multiple times, and given them the policy information AND contact numbers for my insurance company. They literally call me every day at work, and if then, despite the fact that I talked to them earlier in the day on this issue, they contact my mother! Now, I don't live with my mother, and I never gave them her phone number, and her number is unlisted, so how the heck did they track her down? Anyway, I talked to a real gem in their collections department today, some wacko named Jaqueline who told me that it is my responsibility to make sure that they have their file complete, and that they were going to report this on my credit.

I just filed a report with the better business bureau, so hopefully this will resolve the situation. I have never heard of anything like this before - Wells Fargo is the most incompetent organization that I have ever run across. I truly regret refinancing my auto with them.

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Nikki
Nov 14, 2007 7:16 am EST

I just received a call from Wells Fargo saying that a payment in March of 2007 was mis-applied to my account and that a customer who has a account number very similar to my account number made the payment. It's bull! Well's Fargo is the worst ever in life! No joke.

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Julie W.
Nov 07, 2007 9:43 pm EST

If you are only going to be able to make a partial payment, call Wells Fargo and get their city code for Western Union and tell them you are going to send the money through Western Union. Tell them you don't want to do a check by phone, you want to Western Union. And don't tell them you are sending a partial payment. If they get pushy go ahead and tell them you are Western Unioning a full payment or whatever they want. Just get the city code. Then go to the western union office and send as much as you can via Quick Collect. Within 24 hours they will have accepted the payment. And then as soon as you can, send them more money this way. Yes, it costs $13 each time, but it will likely keep you from getting your car reposed. If you send them a check for a partial payment, they can by law refuse it and send it back, but if you send it via Western Union is automatically gets deposited in their accounts which legally means they accept your payment.

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ayoluwa massey
Jul 22, 2007 3:50 pm EDT

I have been with wells fargo bank for about 1 year, my father co signed a loan for me i would always make my payments a week early, i then hit a ruff spot and was behind about a month an a half, then the calls began i received calls from wells fargo call center with representatives who are so rude. I tried to make a payment the wanted the amount that was owed in full which i think was about 700 dollars they then began to threaten to repose my vehicle. I then want asked to talk with a supervisor,thinking i was talking to a supervisor who was really a team leader he was rude also his name was dennis, as i was trying to explain the situation he kept saying if you were my child i would give you the money i kept asking them to take the money he an the others kept refusing it because it was not the full amount. I have been with them for about a year and they kept telling me the account was fairly new, they needed all the money. I have never seen a bank like this before it is ridiculous how these people act!

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I was sad to see today that we are not the only ones who have been treated rudely and fraudulently by Wells Fargo and their added insurance from Balboa Insurance due to discrepancies within our insurance through Allstate... First of all we too have been treated rudely, cussed out, bullied, threatened etc. by this company who starts calling the day after...

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Wells Fargo wells fargo auto finance ripoff hurting millions of common americans!

I purchased a vehicle in late 2005 and used Wells Fargo as my finance company. I added the vehicle on to our existing insurance policy with Allstate and maintained that until switching agents (still with Allstate). We then changed to a family agent who placed us with TOPA/RMIS. We have never had any lapse in policy or terminations of any policy. However, shortly after we purchased the vehicle, Wells fargo has sent us letters indicating the placement of Collateral Insurance on the vehicle for failure to provide proof of insurance. OK, we thought this must be a mistake and someone's something didn't talk to the next person's somebody. We called Wells Fargo and submitted via fax the Insurance declaration page. Upon receiving our next 2 statements, we noticed the Collateral Protection charge is still factored in to the amount (nearly $2000!).

Then the collection calls began.

I called back to Wells Fargo and after fighting with a collection rep just to get to speak with someone regarding the insurance portion, I was finally transferred to a manager (or so I thought!) who explained that they had no record of receiving my proof of insurance. Did it just vanish into thin air? Did someone just not do their job? OK, mistakes can happen... we faxed it over again figuring this "manager" guy should settle this once and for all. 2 months go by, 4 months go by, and still nothing taken off our bill, all the while, the collectors are steadily calling and getting more in our faces and threating us with their veil little threats, as if it were their PERSONAL automobiles!

2 months after switching to our new insurance, we receive another Collateral Protection placement letter for nearly $2000! We went through the process of calling again, this time being directed to call Balboa Insurance directly. OK, now we're getting somewhere... not. After Submitting our OLD insurance and the NEW insurance to Balboa, it seems at one point they mysteriously don't have a record of receiving it, the next time they saw the notes in the computer where we submitted it but nothing was processed and that they would look into it. Several months had expired with nothing being deducted from our statements and now it is showing an outstanding balance just over $4500. You can imagine the flavor of the collection calls now. It was really getting nasty when we changed to our Family's private Insurance agent who placed us with TOPA. Of course we received another letter shortly after for Collateral Protection placement (can you guess how much?!) I promptly called again, and was directed to Collections. I hung up and called Balboa directly... again. This time I spoke to a representative who was only interested in receiving the proof of the current insurance coverage and would not listen or look into my claims regarding the other 2 CP placements. THIS TIME, THEY FINALLY showed a deduction for this 3rd CP placement amount.

I called again to resolve the previous issues, and was directed to have my Agent call. He did while I was sitting in his office. It has been almost 4 months since and things have not been resolved at all. We have followed every guideline we can and still nothing from them. Not only is their insurance outrageously high, but the internal mechanisms of communication between these 2 companies is nonexistent.

Additionally, I have previously purchased a used truck in 1997 wherein Wells Fargo was the finance company, and the same thing happened. It took them forever to get the records updated (both with Balboa, and then with Wells) to reflect the private coverage.

It then took almost 2 months for the reduction to show up on my statement.

We have recently purchased a new family vehicle and again, in no more than 2 months, we received a CP letter for this vehicle. We called Balboa and got the run-around. We then had our Agent call Balboa and 2 bills later the deduction appeared. We also received a confirmation letter from Balboa rescinding the Collateral Protection on this vehicle (for now!)

In my opinion, Wells Fargo Auto Finance could be a good company to work with if they maintained their policies from a management perspective, dealing with issues of oversight fairly and not as if everyone is a criminal (guilty until you prove yourself innocent... multiple times!). They should have better communication with their partner companies... but then again, THEY DON'T CARE ABOUT THE LITTLE GUYS WHO PURCHASE A LITTLE CAR FROM A LITTLE DEALERSHIP. They only care about their monopolistic gains and it is just a paycheck to their representative. No wonder American jobs are getting shipped overseas at record pace! Because we just don't care enough to do our jobs properly. I can truthfully understand if I were trying to rip them off and just say "screw them", but I am an average working class stiff, who has his financial ups and downs (who doesn't these days) but I am definitely not trying to NOT pay for something I purchased.

This whole company needs to be INVESTIGATED and a little CIVILIAN OVERSIGHT immediately! I would like to know how to initiate a class action law suit against them as there are numerous complaints regarding this practice.

Thanks.

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Update by Gary
Mar 16, 2009 5:53 pm EDT

To everyone that has Posted followups to my original complaint and to those who took the time to email me directly (yes I am keeping all correspondence), THANK YOU for your comments.

I have not updated this posting in a long while as I have only been waiting for litigation (Class Action) to commence against WF. I have relayed my experience to an attorney in the Cleveland, OH area (http://www.protectingtheconsumer.com/wells-fargo.php) who is investigating WFAF and their fraud. I was recently contacted by one of their attorneys (http://www.mhclaw.com/) in their effort of a Class Action case. I am not certain how far along they are at this point. I hope you all visit this site and fill in the form from the first link I provided. Please relay your experiences to them as unemotionally and fact-filled as you can. It seems as if they are proceeding on something and I hope that it is fruitful for all who are caught in this WF crap-hole!

Meanwhile, I recieved an email from a person who claims to be an WFAF insider, and his account of the business philosophy sheds light on WF practices from a different perspective, but also, to some extent, proves the shady dealings that WF engages in. Please read the below email I recieved... enjoy!

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EMAIL FROM REN:
E-Mail from "Ren" to "Gary Scott" (www.complaintsboard.com)
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Mon, 16 Mar 2009 14:40:03 -0500
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Hey Gary,
I know this complaint article you wrote is about two years old, but I just came across it and was compelled to respond. I completely understand the troubles with force placed collateral insurance. I actually worked for Wells Fargo Auto Finance, and I can tell you the biggest issue (in my opinion) is with force placed insurance. They have troubles from the start because the whole process (ammortization and payment schedule, recording of insurance info, etc.) is actually a very complicated system which is not properly explained (or bothered to be understood) to the representatives. I remember spending a chunk of a day, that I probably should have spent taking calls, asking a lead who was well versed in it to help me understand all there was to know about our force placed insurance. Sadly not many people cared about knowing the answers to customer questions as thoroughly as I did, but I digress to the further issues. One of which you noticed, and that is a severe lacking in fluid communication between the insurance tracking company (Balboa, at that time) and Wells Fargo... which makes it difficult to ensure to anyone that "we" had received the insurance information, but again a rep who knows and is willing can always clear up what insurance data is or isn't received by simply calling Balboa while you were on hold and getting the "effective dates" they are missing. Most of the troubles you faced were merely due to ineffective reps, but not necessarily the delay. The trouble was, especially at that time, was many things were changing internally with WFAF they had just combined with the sub prime indirect auto loans Wells Fargo Financial. Sadly for the customers this meant the company had to immediately begin servicing about double the clients nearly over night AND just about every back shop became flooded with requests to fix, print, or change things on loans. Sub prime loans also have the higher tendency for people to... well... not get insurance, or attempt to skate by, which means nothing to me in terms of stereotyping the customer... but it does mean that everyone involved with insurance tracking becomes swamped with work. It was aweful for customers, and I suppose reps who had to try and appease the customers. I just thought you like a little more explanation as to why to experienced so many problems. Sorry for all the frustration you faced.

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MY FOLLOWUP RESPONSE TO REN:
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Mon, 16 Mar 2009
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Ren,

Thank you for your very well laid out explanation, and to your credit as an insider, it is very helpful to the layperson to understand the complexities going on inside WFAF that could cause this sort of thing. I totally understand the reasoning behind the messed up system as you explained it (converging WFF accounts), and it is truly plausible.

What I don't get is the behavior and attitudes that are given to the customer(s) when they are attempting to put easily verifiable facts on the table to have the accounts rectified and, either from ineptitude or lazyness or complications in the system, things NEVER get resolved. All too often the customer is told their issue is resolved only to find the charge is still added on their bill including additional charges as if no contact were ever made with WFAF.

I would tend to wholeheartedly agree with your timeline of circa 2005 if that were my only experience with Wells. I was a previous account holder for another vehicle I own with WFF and experienced the same issues and outcome... and this was Circa 1997! No mergers or anything then...!? There is no excuse for a company to run as absent mindedly as WFAF is being run. The only thing I can say to my experience that coincides with your description is, WFAF may indeed have an assumption of those being granted Sub-Prime loans are themselves of a "Sub-Prime" class or culture of people. Without stating the racial makeups of the stereotypical persons who would fit in this category, it seems that those customers are treated as if they were stealing the company's money (and the reps personal money!) and that they were less than human - not fit for ethical human treatment.

In addition, the support for this argument seems to be parallel to the recent charges brought against WF (banking unit) by the NAACP wherein WF (and HSBC, to be fair here) were charging minority customers higher rates on loans (Mortgage, Bank, etc.) than those of non-minority status, or white. It seems there is a brooding culture of discrimination and separatism in the business philosophy of WF as a corporate entity.

To contrast, I have a current loan with Citi Financial Auto. We encountered erroneous Collateral protection placement 2x so far and the first time we sent them our insurance declaration pages for both years we've been continuously covered (although they only wanted the current year) and, after a short hold, we were immediately issued an apology and reassured that it will be reflected on our next statement (which we verified). The second time, we called in and immediately they had already corrected it in the system prior to our calling, and assured us that our account was fine (again veried on the statement). Nothing but courteous and polite reps. I only have to make 1 call to resolve an issue and it is reflected in my next statement. I even keep detailed records of calls to them due to my paranoia of dealing with WF. There is no issue with communication between companies or departments to resolve any insurance issues. To date, I am going on almost 2 years without any incident with Citi. That says a lot about their principle operation and Customer-centric attitude they have as core values.

Thank You for your Comments and exposing the culture of this beast!
Best Regards to you Sir,
Gary Scott
onsitenow@hotmail.com
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Update by Gary
May 31, 2007 2:19 pm EDT

I forgot to mention, in supporting this claim, my experience is not at all unique! What is prompting me to finally take action in putting this out in the open, other than shear frustration, are the NUMEROUS reports i have read in the past 2 days on ComplaintsBoard.com. Please check these out for yourself.

I am currently in the process of cataloging all the complaints and adding them to this case to encourage action on their part, or, if I have to escalate to this level, to give the media something more than just my little complaint or experience.

Please, I urge you all to check out the websites for yourself to get a clearer background on this, and do some digging yourselves on Google if you are caught in this trap. Then contact a competent attorney (my next step).

Wells Fargo and Balboa are culpable and should be brought to bear the burdens of their malfunctioning system and correct their ways.

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Erik Robert
US
Sep 13, 2016 1:23 pm EDT

Same thing is happening to me I'm paying for insurance for them and I have my insurance on my own I pretty much gave up and just keep paying it. It's almost $80 extra month. What can I do to make this stop?

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Mike
Jun 03, 2016 8:07 am EDT

I had ran into financial difficulties a couple years back and I had some leverage on my truck so I refinanced my truck through Wells Fargo. WHAT HUGE MISTAKE! I was making payments to them on a monthly basis. They may have not been exactly on time but none of which was over 30 days. I ran into a financial snag which I had to be late with a payment with them for almost 30 days late but again nothing over 30 days. That's when the headaches started. I would get collection calls almost 15 per dat, stating that I was almost 54 days past due of $320 which seemed funny to me because my payments were almost $500 a month with them. I naturally got hit with lates fees, processing fees and fees for making a payment over the phone with a live rep. So I paid it and that's when things really started to go haywire. Every month it seemed that I was always short a payment here or there and I woulod get hit with all these fees on a monthly basis. Eveytime over the phone the rep would tell me that everything is all caught up next payment is due on my next due date and everything is fine. No more than 3 days later they tell me I'm still behind and they told me the other rep was wrong in telling me I was caught up. This nightmare gets worse, month by month fees accumulated and the same story I was behind in my payments pay X amount and I would be current if I made the payment over the phone and like a fool I would pay it and like clock work a few days later someone else would call me stating I was behind again and the previous rep was wrong for telling me I was caught up. This snowballed into me being behind $1487.00 At the beginning of the year I thought well I will start the year out fresh I sent W.F. $1500.00 and the rep on the phone said that was more than enough to get caught up and my next payment was not due until the middle of February. I thought great I started a new year back on track. WRONG! I got a call 5 days later stating I was actually short $345! The rep was wrong for telling me I was caught up. Here we go again with the fees!
I am pulling a bank recall of any payments made to them from last year to see what has been paid to them and where the actual mistake lies.

HELP! Does anyone have experience with Wells Fargo like I have? Anyone have any suggestion how I might be able to unload this loan! Since taking this loan I am now way upside down so selling it makes it impossible and W.F. doesn't have assumable loans.

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jessica caldwell
Jun 03, 2016 8:07 am EDT

I hate WELLS FARGO, i am going through a similar situation w/ them w/ the insurance not that long ago i had a @sshole excuse my french call me from the collection dept talking about that i needed i am 32 days past due my ###... I pay them & i am barely 3 days past due for jan. payment well he said it was b/c of the ins. I told dim that we were in the middle of getting that resolved & my husband was taking care of that, the rep told me well of course you don't want to fix it b/c you are not listening, my response was first off i don't need your sassyness & he just kept talking over me i got so frustrated plus my preg. hormones kicked in & i told him to get screw off my phone then & hung up. I know what your thinking i cuss to much but dealing w/ this unprofessionals how can you manage to keep your cool you cant! Well earlier today they called & my husband talked to them & to my surprise they said that the last payment that i made they took 1 hundred & something out for the ins. payment mind you i have ins. according to them i haven't had ins. since sept. but yet i was never billed for that until barely this month makes no damn since... even before that i never received any notification stating that i was uninsured for that long back in nov. i changed ins. but prior than that wells fargo sent a letter saying if i didn't get ins. on my vehicle within 10 days they were going to apply the ins. on my acct. & i did so why in the hell are they charging me for it now & saying that i am 32 days past due. I am so upset w/ them i hate their harassments & sassyness i am in a middle of complicated preg. & this the last thing that i need to be worrying about i cant stress over some ish that i don't owe, and to top this off back in november they deposit a postdated ck on the wrong date & overdrawled my acct. We have faxed spoken about this even refused to not pay the bill until they fixed it now that hasnt work b/c they started placing late fees on me for their mistakes now mind you i am not paying a penny of late fees or for that damn ins. all i want is my refund for my overdrawn acct. that they said they would do & have that ins. drama taken care of. I am to the point where i just want to get real hood w/ them or even take it to a lawyer but i cant strain myself like that i have to look out for my health & my unborn childs health. I JUST DON'T KNOW WHAT TO DO... I REALLY DON'T...

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A BAIN
Aug 20, 2008 6:46 am EDT

I have been having an ongoing problem since april with wells fargo auto finance.
Here is a copy of an email i sent to abc news…
As they are saying all the time, contact your lender at the first sign of trouble, they will usually work with you. That has not been the case with wells fargo.

My husband lost his job on april 23rd, we contacted our car lender (Wells fargo auto finance) on april 26th to ask for an extension of our may payment, due may 10th. Their customer service dept said, it does not appear to be a problem, but we needed to call back after the loan date, so on may 12th we called. We were told being unemployed is no reason for an extension. So i finally caught up with may on june 30th, and applied again, was told, that the sum of 2 pymts has to be in before i could apply, so i took a loan from my 401 k, paid june & july on august 4th and applied again, because, my husband found work on may 26th, but we were without pay until then. On july 28th, the place where we found employment went on their yearly shut down, due to no longevity, he did not get paid. I applied again for an extention. . No word as to why we were turned out, just the collectors calling us again. I can not reach anyone in authority to speak to about this, just the collection dept, and i never speak to the same person, and they will not or cannot give out their extension so odds of speaking to them again, is zip. So i start again. This is frustrating. We feel we have been proactive with this employment mess of ours. We are not asking for anything we are not entitled to. Several people have told us that lenders are entitled to 2 per year. , and we meet the criteria for an extension. They why are we being turned down? Their left hand needs to know what the right hand is doing, as one person says yes, but 2 days later we are told no. Many of their collection people are rude. One black man, after i hung up on him, called me back and said, "f. You honkey". Another girl said, " on may 26th (Memorial day, i might add) face it, you're not getting an extension, or pay up. . Deadbeat!'
I think they want to charge us the late charges, because they know we really need help, and turning us down, benefits them more than allowing it.
Please look into this for us…help us. . I am sure there are others out there in the same boat. . This needs to be brought to light.
There are several american that live paycheck to paycheck and something like this sets us backs months…. !

This is a copy of letter i wrote to the us treasury dept

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Lee VanVorreen
Sep 13, 2007 12:00 am EDT

Like ERIN U, I have had NOTHING but problems with Wells Fargo. I am currently waiting for them to come pick up the vehicle, as they have me so upside down on the note I cannot sell it or trade it in. Here is a timeline of the issues with Wells Fargo:

March 2006- Arranged a loan with Wells Fargo to purchase 2000 Range Rover for my (then) fiancee. The individual selling the car WORKED for Wells Fargo, and suggested we get financing there. They gave a loan amount of $21,000.00 at 17% interest. (I only recently found out the actual blue book on the vehicle in March 2007 was $15,000.00. Seems odd they approved a loan for so much more, hmmm?) Went in to sign paperwork and was advised AFTER SIGNING EVERYTHING that I needed to put $1,000.00 down payment. I advised my loan officer I did not have $1,000.00, and if my fiancee wanted vehicle, he would have to make the down. The L/O (Terrence) said no problem, he would hold the paperwork for 72 hours and if no down payment was deposited, the deal would not be processed. (LIE NUMBER 1)

24 hours passed, and I called Terrance to tell him that we were not going with Wells Fargo (WF from here on), but another lender who had a better interest rate and lower down. I followed this up with an email stating same, with a read receipt notification. Guess what? 3 days later I receive a call from the branch manager demanding I bring in the $1,000.00. It seems Terrance took it upon himself to submit the prior owners loan payoff and to complete the loan. He did this about 30 minutes AFTER talking to me, and AFTER opening my email. I advised the Manager that was not my issue, that I had documentation showing I had, in fact, canceled the loan. They proceeded to manipulate in such a way that I was STUCK with their loan.

May 2006- My (then) fiancee called WF and changed the mailing address for statements and phone number of record to his address and phone number, without my knowledge or consent. WF took a COMPLETE STRANGERS WORD that he was my "husband" and changed account information, without EVER contacting me.

September 2006- I received call from constable. They were reposing the vehicle. It seems my fiancee had not made a SINGLE PAYMENT. WF had been sending statements, and calling my fiancees house. They never once called me on my cell, or at work. Just the "new" number he had given them. Now I admit, this is partially my fault for not following thru and checking with my fiancee EACH MONTH to make sure payments were made, But if WF had not changed my info, I would have known A LOT sooner that he was blowing payment off. I also found out the vehicle was not insured. I IMMEDIATELY brought payments current, via Western Union and got insurance on vehicle off of my existing auto policy. I also took the vehicle back from fiancee and dumped him. I notified WF that the information they had on file was inaccurate, and asked how they obtained it. They advised me "My husband" had called in and given it to them. When I told them I HAD NO HUSBAND, they apologized for the "CLERICAL ERROR".

October 2006- received letter from WF stating insurance being put in place by them, as vehicle was uninsured. I called, faxed AND overnighted them documentation showing vehicle was in fact insured with State Farm, and had been since September 9th. It took 2 months to get this resolved, and they tacked their additional insurance of $190.00 to my payment until January 2007. In October I also began making my payments via check by phone.

January 2007- I made my payment by phone one day late. This apparently confused the drones at WF, because they began calling me about my "missed payment" that day, AFTER I made the payment. When I game them the conformation number of my payment, they still "could not find it in the system. I had to get proof from my CU that funds had been electronically deducted and fax to them. This took 3 days to clear up.

February 2007- My payment was not due until the 15th. On the 3rd, the calls began, about my "late payment". They called my cell, my work, my home and to my parents house. Strange, since they went 5 months without notifying me at all, now harassing me before payment even due?)

I advised them I COULD NOT RECEIVE CALLS AT WORK, and followed this up with a certified letter stating same. I also advised them they were not to call my parents house, as my mom was a cancer patient, and did not need their harassment. Finally, I advised them that my payment was not due until the 15th, so they did not need to say I had a late payment, when in fact my payment was not even due. They continued to call my workplace on a DAILY basis, multiple times a day, and to call my parents house. Once payment was made (and had CLEARED my bank) they still continued to call, saying payment had not been made.

March 2007- same as Feb. Payment not due till 15th, calls came in about it ALL MONTH LONG, even after payment was made by phone. My employer told them direct on numerous occasions that I could not receive calls at work. Still, the calls rolled in. One WF employee actually told me "if you just PAYOFF your note you won't have to deal with us anymore." {Payoff on the car was about 15,000.00 at this point.} My employer advised me he was logging calls in my HR file, and that I needed to get a handle on situation, because it was making a problem in the workplace and tying up his phone, and that the calls were distracting me from my tasks.

{PLEASE NOTE: every time we spoke with WF they said it was not logged in the system, but they would make a note and remove the number. THIS NEVER HAPPENED. I was receiving upward of 6 calls a day from them at work AND at my parents house. They NEVER called my home number OR my cell. They only called the numbers they were advised NOT TO CALL}

April 2007- Same as March, but even more calls at work. It almost seemed as if once they were told by my employer I could not receive calls, they did it just to cause problems. AGAIn, let me stress, payment was not yet due. After payment made BY PHONE, same problems. My supervisor AGAIN advised WF not to call me during business hours on office number, because they were putting my job in jeapordy.

May 2007- more calls. I WAS FIRED due to the "disruption" the calls made in the workplace and to my tasks. I made my May payment early, and advised them that I was no longer employed, due to their harassment. Their response? They would remove the work number from their system. {Yeah- I had heard that before!)

June 2007- I receive a letter from WF saying they are changing loan from Wells [censored]o Financial to Wells Fargo Auto Finance. I receive statement saying that monthy payment due is $298.95. I called wells fargo to confirm payment amount and was told that yes, my payment was only $298.95 due to a credit on my account for the insurance they had tacked on erroneously for 2 months. Cool! I used my last of my savings to make June payment, and while on the phone spoke to a rep about my situation, and being out of work. They told me since I was such a good customer they could take the July and August payment and roll them to the end of the note, giving me time to find a job and get back on my feet. I agreed to this, and it was "logged in the system" that I would not have a payment due for July 2007 or August 2007, and would resume making payments September 2007 in regular payment amount of $548.94.

August 2007- I took car to carmax and was told the most they could give me for the vehicle was $12,000.00, which was the Kelly Blue book. (The car is in EXACT same condition as it was when WF made the loan. And there are exactly 1000 more miles on it.) So even if sold to a private party, I realize I am screwed, payoff on it is now at $17,000.00)

September 2007- (this is a doozy, everyone better sit down!) I am not in town and I get a call from my roommate. On Saturday, September 8th I received an envelope from WF. It was postmarked September 5th. But the letter inside was dated AUGUST 23. (This was an intentional delayed mailing, as you will see from the body of the letter.) The letter stated that I was seriously delinquent, and that if I did not bring my account current within TEN DAYS from THE DATE OF THE LETTER, they would call my note. They also stated in the letter that I could call them at number listed below. ODD-THERE WAS NO NUMBER LISTED. I called and made payment by phone on Monday, May 10th, in the amount of $1,742.83. (REMEMBER- I WAS SUPPOSED TO HAVE 2 months GRATIS, rolled to end of note, then a REGULAR payment in September.) The rep I spoke with also advised me my June payment had been short. (WHAT? REMEMBER THE LETTER I RECEIVED IN JUNE? I STILL HAVE IT---) I advised her I spoke with the rep who had processed my payment and that she had confirmed that was all I owed due to "insurance error." I was advised that WF would look into the issue. I confirmed with the rep (Ms. Nelson) that that would bring me current and I would be ok. I mentioned the letter, and the inconsistency with the postmark and the date of letter, and was told "not to worry about it, I had made payment current". When I asked why I was being forced to pay for July and August when I had been advised they would be rolled to the back end of my note, I was told "WF reps have no right to make an arrangement like that, and it never happened."

Imagine her shock yesterday morning when my roommate was awakened by a loud pounding at the door. It was a tow truck. WF had sent them to repo the vehicle. She advised him that I had made payment by phone, and he WAS NOT taking the truck. She immediately called me, and I relayed the payment conf. number, whom I had spoken with, etc. and she gave him the info. He said ok, left.

Thirty minutes later he was back. It seems WF said they were RETURNING MY PAYMENT, AND WOULD NOT ACCEPT ANOTHER until after they had posession of the vehicle. My roommate immediately called me again.

I called WF and was told first that I had made no payment, then that yes, payment had been made, but they were not accepting it. (Not accepting it 3 days AFTER I made payment and funds had been drawn from my dads checking account? WHAT?) Apparently, they are going to reverse the electronic draw (We'll see!) I was told I had to surrender vehicle before they would even discuss the account with me. They would not even give me a verbal payoff, as "this is the 5th time they have had to begin repossession against me" (LIE LIE LIE--- other than the ONE time in September of 2006 my payments were always made monthly.) After they have possession of the vehicle, they would give me information as to how I could reclaim it within 10 days. I advised them I was not even in town, that I was in CA on a temporary job. Their Response? Too Bad.

My Roommate advised the tow truck guy he could come back at 10:00 AM on the 13th to get the vehicle, as there was another vehicle parked behind it. He said he couldn't come back, and he would move the blocking vehicle if he had to. She told him it was not my vehicle or her vehicle and could not be moved. Tow truck driver agreed to come back.

She is now waiting for them to come get the truck. I don't care at this point. I can't sell it, as I owe $6,000.00 more on the note than what the value is. They can have it. It has been nothing but a headache from day one. I was conned by the staff at the WF auto finance office in Arlington Texas. They made a loan that was for way more than the vehicle was worth, due to the fact their employee was the seller. They physically inspected the vehicle, knew of the problems it had, and processed the loan even after I had canceled the deal. Now I am stuck, having spent thousands of dollars on payments FOR NOTHING.

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acminca
Berkeley, US
May 30, 2009 1:24 pm EDT

I am a long time customer of Wells Fargo. I noticed that I could buy stamps at my ATM. How could I not? A screen comes up and asks if I need postage stamps while the ATM is processing transactions. Before the May 11 2009 increase in postage rates, I decided to buy stamps from Wells Fargo for the very first time as part of a transaction when I was depositing a check.

Only when I got home and looked at the stamps and receipt, did I realize that there was a transaction fee. And what a fee! Nine cents per stamp! So, for my purchase of 90 stamps, Wells Fargo netted $8.10 for the transaction.

I went back to my bank and tried to return the stamps for a refund. They advised that I had to pursue the issue through the 800 number on the back of my check card. The first person at Customer Service was polite, but advised that yes, there really was a nine-cent a stamp transaction fee and no, I could not return the stamps for a full refund.

The main screen offering the selection of buying stamps makes no mention that there is a transaction fee, and the screen soliciting the purchase of stamps during ATM transaction processing does not mention that there is a transaction fee. The screen that offers different amounts of stamps for sale does not mention that there is a transaction fee. Only on the very last screen requesting confirmation of the purchase is there any information that there is a transaction fee. The cost of purchase and the request for confirmation is in big letters and the information that the purchase price includes both the cost of the stamps and a transaction fee is below that in smaller letters.

I think the way Wells Fargo markets stamps at its ATMs is deceptive and predatory. I wrote Wells Fargo that changes be made immediately to the screens shown to the customer so that EVERY time there is an offer to sell stamps there is also a prominent statement that there is a service fee for such a purchase. That was in March 2009 – no change yet. No surprise there. Very disappointed.

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kim168
US
Jul 17, 2014 3:47 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

It is a rip off. I have been purchase stamp from Wells Fargo ATM for years. I don't know the postage costs per stamp. I thought we just pay for the cost of the stamps. who would think there is a charge? not getting from them anymore

thanks for sharing,
kim

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alex198
Fresno, US
Apr 10, 2014 7:54 pm EDT

they did the same thing to me and they made it look like i was only making half of the $700 payment and that's because they were taking there insurance payment out of my payment while i had my own insurance. and then one day they came and took the car and wanted me to pay the whole amount to get the car back.
i didn't have $29000 under the couch so i couldn't pay them they sold the car at some auction for$3000.0 and ruined my credit and now i get 20- 30 calls per day demanding rest of the money.
if anyone have any answers please email me and let me know.
wct423@yahoo.com

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pissed o
Valparaiso, US
Jan 16, 2013 9:01 pm EST

have the title to my truck and thay say that I owe them more money. this is the worst place I have ever done business with can you say that thay suck.

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June-T
Chicago, US
Nov 15, 2012 6:03 pm EST

Same thing... My car was financed through Wells Fargo. I was involved in an accident about 4 months ago. The car was totaled. I submitted all of the documents, made all of the calls and returned of the calls to Wells Fargo, but they're still charging me for insurance on a car that I don't have. MDI Adjustment of $1, 073.00.

ComplaintsBoard
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12:00 am EDT

Wells Fargo wf added insurance and continued to charge after we showed proof

I don't even know where to start. My husband brought a truck in 2003 and we were financed through Wells Fargo Auto Financial. There had never been a late payment. In June of 06', he brought a car. Well we have Allstate car insurance (we have had Allstate forever) anyhow. Our Allstate agent made a mistake and took the truck off of the policy even though we still had the truck. This mistake triggered Wells Fargo to assign us their insurance - Balboa.

When I realized that allstate had made this mistake, I immediately contacted our agent and she immediately contacted Balboa and stated that we had insurance and that she had mistakenly taken the wrong car off of the policy. We also notified Wells Fargo of this and so did the allstate agent. She faxed them all the information that they requested (several times) and stated her mistake. A month or so later we received a letter from Wells Fargo stating that they had taken the insurance off of our bill.

In October 06 we were still being charged for the Balboa insurance. Again, I contacted Balboa and they stated they had credit the monies back to Wells Fargo and that it may take a month or so for Wells Fargo to credit the money back to the account. We received a letter from Wells Fargo dated 11/3/03 that stated the insurance coverage that they issued had been canceled as of 10/06. Each month when we received the bill, we noticed that we were still being charged for the insurance. So any payment for the truck that my husband sent in to Wells Fargo a portion of that was going to the insurance first and I am not sure where the rest of the monies were going.

In December of 06, we began to get phone calls stating that we were past due on the loan. When I asked how could that be the rep stated that there were no payments applied to the loan. She told me that I needed to pay $2000. in order to bring the account up to date. I asked for a payment history. Of course I never received it. On January 4, 2007 I made a payment to Wells Fargo in the amt of $2000- I still could not figure out how we owed that amount when my husband had been making payments. I was told by the rep that the account was up to date.

By Jan 15,2007 I was still getting phone calls stating that the account was in arrears. I explained to the rep that this could not be true because I had just spoken to someone on 1/4/07 and she stated that account was up to date. The Wells Fargo rep told me that I needed to contact Balboa because they were still charging us insurance. I spoke to a very nice Balboa rep who stated that Balboa had credit back $2400 to Wells Fargo and that we were no longer being charged their insurance. So I stated to the rep that Wells Fargo was telling me that a portion of the car payment was going towards Balboa insurance. The Balboa rep stated again that they had credited back $2400.00 to Wells Fargo and she also state that Wells Fargo was having 'processing problems' as I was one of several customers that was having this problem.

I began receiving numerous phone calls Wells Fargo in the month of February stating that the account was 45 days past due. I knew good and damn well that this was not the case. Each time a Wells Fargo rep would call I would explain the whole insurance thing. I finally received a call from a Wells Fargo rep and I asked her to please send me a copy of the payment history. This was on March 15, 2007. I asked her to please review the account and tell me the dates from Sept 06 of payment. She stated to me that payments were received as follows: 9/2/06 a payment of 980. was received, 10/13/06 a payment of 1008.00 was received, 11/13/06 a payment of 1000.00 was received (please note that I made a payment of $2000.00 on 1/04/07 and this payment was supposed to be for November 06 and December 06) 1/07 2008.00, 2/20/07 a payment of 975.00, 3/13/07 a payment of 900.00, and on 4/1/07 a payment of 959.43. Now looking at this where is there not a payment made?

I have continued to receive nasty, threatening phones calls from Wells Fargo. I requested a payment history in March and on April 5, 07. I HAVE YET TO get anything. On May 11, 2007, I received a phone call from a rep from Wells Fargo and she stated that the account was 89 days past due. I asked her to please please look at the payment history which she did. She stated to me that the account was up to date and that she did not know what happened. I asked her to please send me confirmation on that and she stated she would and that she was sorry to bother me.

On May 21, 2007 I received another phone call from Wells Fargo stating the account was past due. HER WE GO AGAIN. I told the rep that I had just spoken to someone the previous week and that everything was ok. I asked this rep to please look at the payment history. She told me she could go back and look and that I now owed $3000.00. I asked her to explain how this could be. She told me that she did not have to explain and that she wanted to know if I wanted to set up payments on the account to bring it up to date. I told her NO because it was obvious and evident that Wells Fargo had no idea what the hell they were doing and that they were not being honest. She began to get loud and I hung up on her.

I called my husband and told him what happened and what they said we owed. He made a few phone calls and spoke to a manager in the Repo dept. My husband explained to the Manager the whole history of the account. The manager told my husband that he needed a few hours to look into everything and he told him he would get back to him. My husband spoke to the Manager again the next day. The manager stated that it appeared that Wells Fargo was applying the payment incorrectly and that he would have to speak with his supervisor.

On May 24/07 at 6:06 am I heard what appeared to be a garbage truck come don the street. When I went to the window to see, low and behold it was a bright red tow truck. The tow truck backed up into my driveway, hook up the truck and by 6:08 am the tow truck was headed down the street with the vehicle. I was paralyzed. I called my husband and told him what had happened. My husband called the manager who had been looking into the account and asked him for an up date. The manager stated that it was determined that Wells Fargo had been incorrectly processing the payments and that they would straighten it out.

I know my husband and he was more than pissed. He then asked the Manager if it was Wells Fargo who was in the wrong then why in the f*&* did they repossess the vehicle. The Managers response was ' Oh well I don't know let me transfer you to my supervisor'. My husband was transferred to the Supervisor and the supervisor stated that he was familiar with the situation and that it had been determined that again Wells Fargo had been processing the payments incorrectly. My husband also asked him 'then why in the f**& did you all take the vehicle this morning?'. The manager then transferred him to the REDEMPTION DEPT where they stated that he would need to pay 3400.00 in order to get the vehicle.

My husband told them to explain how and why he owes $3400.00. The person said that they did not have to explain and that he should have opened his mail and paid his car note and this would never have happened. So it is our fault that the truck was taken even though they admitted that they processed the payments incorrectly.

Wells Fargo has definitely messed up. They harassed myself and my family with there 7 to 8 times a day phone calls and they refused to provide us with their record keeping when we asked for the payment history. Each rep had a different story. They called from California, Florida and no one seemed to know that there were notes in the records. As of today May 29, 2007 Wells Fargo is still calling and they are unable to provide us with the information that we deserved and requested. They are deceptive in their practices and they are rude and nasty. How do you fight something like this? They have ruined my credit with their incorrect late payment information. The truck is somewhere. They did not leave a card or anything.

I am 1000% sure that we do not owe 3400.00. At this point I have nothing to lose and until they are able to provide me with the payment history, I am refusing to make another payment. This company is horrible and the reason that the lower level customer service reps are so rude and nasty is because the upper manager is just the same.

PS. Just received a letter from WF dated 5/25/07. The letter stated that the truck would go up for public auction on 6/4/07 and that if we wanted an explanation on how they figured out what we owed we would need to call the 800 number of we had to write them and request a written explanation. Wells fargo needs to be audited again as they were in California. Their deceptive practices are unacceptable.

Robin,
Virginia U.S.A.

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Justin Hardman
Corona, US
Mar 17, 2013 6:17 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

I am having a similar problem with them. I just recieved a bill from them stating due to my late payment (15) days they are going to charge me collateral insurance. I feel this is the beginning of my nightmare. I also reveived several threatening insurance calls (4 to be exact) and provided all the information needed.

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JamieLegalApprentice
New York, US
Apr 16, 2012 1:28 am EDT

I am a Legal Apprentice at a New York law firm, and I am responding to posts made by Wells Fargo auto customers who have been charged for Collateral Protection Insurance or CPI. Our law firm is currently investigating this type of conduct. Please contact me at your earliest convenience to discuss your experience. My email is jamie.song@balestriere.net

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MONIQUE
May 28, 2008 3:35 pm EDT

same thing is happening to me now! The insurance still shows up on my bill and they keep hasseling me to makea payment when i have been overcharged for months as is! They are threatening to take my car, my credit is getting bad and I have no idea what to do. I am with every one to do a class action suit as well. Something needs to be done.

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Leilani
May 08, 2008 10:18 pm EDT

I'm going through the same thing with wells fargo auto financing. They have been applying all my car payments to their insurance. When I already have full coverage insurance. I have faxed the information several times along with my Insurance agent and nothing has changed. They are threatening to tow my car. We need to all get in contact with eachother and proceed with a class action suit.

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Tom
Apr 10, 2008 12:05 pm EDT

I have the identical story as everyone else. I received a letter in December of 07 regarding lack of insurance and that they would begin charging me if I didn't respond within 10 days. I promptly called Wells Fargo to give them my policy number, but was told they had to speak with my insurance company. As soon as I got off the phone with them, I called my insurance company. The person at Geico was very friendly and said he would call Wells Fargo and then call me back to let me know what happened. About an hour later, I received a voice mail from the agent at Geico and told me that he spoke with someone from Wells Fargo and that everything should be all set...not exactly. My next bill reflected the insurance. I've called several times and no one can straighten this out. I would be willing to sign up for a class action suit against them.

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jessica caldwell
Jan 30, 2008 8:57 pm EST

I hate WELLS FARGO, im going through a similiar situation w/ them w/ the insurance not that long ago i had a @sshole excuse my french call me from the collection dept talking about that i needed im 32 days past due my ###... i pay them & im barely 3 days past due for jan. payment well he said it was b/c of the ins. I told dim that we were in the middle of getting that resolved & my husband was taking care of that, the rep told me well of course you dont want to fix it b/c you are not lisening, my response was first off i dont need your sassyness & he just kept talking over me i got so frusterated plus my preg. Hormones kicked in & i told him to get ### off my phone then & hung up. I know what your thinking i cuss to much but dealing w/ this unproffesionals how can you manage to keep your cool you cant!well earlier today they called & my husband talked to them & to my surpirse they said that the last payment that i made they took 1 hundred & something out for the ins. Payment mind you i have ins. according to them i havent had ins. Since sept. But yet i was never billed for that until barely this month makes no damn since... even berfore that i never received any notification stating that i was uninsured for that long back in nov. I changed ins. but prior than that wells fargo sent a letter saying if i didnt get ins. On my vehicle within 10 days they were going to apply the ins. On my acct. & i did so why in the hell are they charging me for it now & saying that im 32 days past due. Im so upset w/ them i ###ing hate their harrasements & sassyness im in a middle of complicated preg. & this the last thing that i need to be worrying about i cant stress over some ish that i dont owe, and to top this off back in november they deposit a postdated ck on the wrong date & overdrawled my acct. We have faxed spoken about this even refused to not pay the bill until they fixed it now that hasnt work b/c they started placing late fees on me for their mistakes now mind you im not paying a penny of late fees or for that damn ins. All i want is my refund for my overdrawn acct. That they said they would do & have that ins. drama taken care of. Im to the point wherei just want to get real hood w/ them or even take it to a lawyer but i cant strain myself like that i have to look out for my health & my unborn childs health. I JUST DONT KNOW WHAT TO DO... I REALLY DONT... i just hope when my husband trys to talk to them tomorrow something would get resolved b/c im done... we want to take to the higher ups but where are they? I feel all your stories & situations hope we can get some type of class law suit againsed them... whos with me?

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shull
Nov 13, 2007 1:36 pm EST

After reading the this complaint I am completely mortified. This is our EXACT story. We did get the vehicle back, not because we paid anything but because I had a letter of Intent to cure Default that they had a specific date on in which they repossessed the vehicle prior to this date. Anyhow, we picked the vehicle up and am garaging it we have chosen to get a lawyer as we can not speak to anyone competent at Wells Fargo.

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Maxine Stephens
Nov 05, 2007 7:56 am EST

The only comment that I have is that the same thing has happened to me almost word for word, except they have not picked up my car yet but are threatening to pick it up. You can not get anyone to listen to you, they have done what the hell and how the hell they want to do. Not one person knows what is going on and you can not get anything settled with WF. What it seems to me is that they are screwing people out of money and cars with the insurance scam they pull. They owe me $1,200 back insurance payments, and I have never had a laps in my coverage and I cannot get an explanation as to where the refund went.

I do not know what to do about them, but I am ready to turn this vehicle in myself, but don't want them to win as I know that I am right!

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Kat
Oct 24, 2007 9:30 pm EDT

Wells Fargo needs better management, from top level down to line supervisors. Greedy, monopolistic, rude JERKS. Okay, so we have escaped the Balboa loophole to date; and we are two months behind in payments (around $800 total); but tonight I made a valiant effort to rectify the situation and was treated like crap. Here is the email I sent to them, which describes the phone conversation I had with Wells Fargo earlier tonight. Keep in mind that this is a company that, if you are even one day late in making a payment, call numerous times every day until payment is received; I've often logged up to ten daily calls for a week or more. And, because I can never get anywhere with them (because they conveniently claim they haven't gotten authorization from my husband to speak to me), I eventually stopped accepting their calls (hey, it's a cell phone, I need my minutes for other things too, like my TERMINALLY ILL mother). I'm ready to sic my attorney on them for harassment. I cannot WAIT to see how they respond to my email!

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First of all, I am sorry to go through this avenue of communication, but tonight when I asked to speak to your agent's supervisor the agent proceeded to hang up on me. I suspect that any other calls I make would receive the same consideration...or lack thereof. Having said that, I respectfully request that you forward this email (either via email or printed form) to the appropriate department SUPERVISOR, not some puissant phone person, as most of your agents wouldn't be able to figure out how to pour water out of a boot if the directions were printed on the heel. Sorry, but I am very upset with Wells Fargo right now, I don't mean to take it out on you, I just want you to understand how I feel about the way I have been treated by Wells Fargo today.

Here is the situation. My husband has had his van financed through Wells Fargo for at least two years now, probably longer (I don't have any of the paperwork as we recently moved and it is still packed somewhere). I also had a car financed through Wells Fargo, and my loan was paid in full when I traded in the car last October. This past spring, we fell behind on many of our bills thanks to a loan officer who didn't know her job (we were trying to buy a house and she essentially screwed us). We did our best to keep up the important bills, such as this one; and it was in arrears a couple of times but had been current as of a few months ago; we were only able to bring it current thanks to my husband's mother, who made a sacrifice in order to help us with this bill. As of today, the account is 68 days past due.

For the past several weeks, Wells Fargo has had absolutely no problem calling MY cell phone numerous times a day (over ten a day at times), yet they will not deign to speak to me, claiming that I am not authorized in the system and they aren't allowed to speak to me. I appreciate that they protect the interests of their clients; but why is it that over the past two years, my husband has had to tell Wells Fargo numerous times that they can talk to me regarding his account, and when they call and I try to handle things I am told they can't find that authorization? The reason this upsets me so much is that I recently started working outside the home full time, something I have not done in almost six years; and for two weeks I have tried to tell Wells Fargo that I could make payment arrangements to bring Jim's account current... yet I am continually told that THEY CANNOT SPEAK TO ME. I would tell Jim (my husband) this, and he would tell me that he did authorize them to speak to me and to call them (them being Wells Fargo). Whether I call or they do, it is always the same thing..."We cannot speak to you without your husband's authorization;" or they would just hang up on me without saying anything. My husband finally got upset enough to call this morning to authorize me AGAIN, and they didn't even TRY to speak to him about the account, just took the info.

Tonight, while I was at work, a lady from Wells Fargo (Amanda?) called me, and asked for Jim. To my surprise, she did speak to me regarding the account; when she indicated that the account was 68 days past due and it was around 1200 to bring it current, before she could continue I offered.. OFFERED... to pay $500 a week for the next three weeks in order to bring it current (and then some). She immediately vetoed this offer, and stated that she HAD to have at least two months' payments by this Friday. I told her that I was not sure I could have that amount by then, and she said "Well it's ONLY another $300." Right now, to me, $300 is a LOT of money, and my family does have to eat. Furthermore, unless she is a supervisor, I don't see how she can just dismiss my offer without first checking with someone in a position of authority. When I worked in customer service and had similar situations, I would have been FIRED had I made a decision that should be left to supervisors to handle.

She stated that she HAD to have the $800 because she could not carry over two late payments into November; I pointed out that if I paid $500 Friday she would only have to carry over ONE late payment, which would come to her two days INTO November. She ignored this, and basically demanded that I give her a check by phone, and I told her that I was not comfortable doing that, mainly because I wasn't sure I would have the funds to cover the check and didn't want to overdraft my account; I added that I didn't have the checkbook with me either, so it was not an option. She then asked if I had a debit card, which I told her I did but did not have it handy as I was at work. At this point, I think she felt I was trying to get out of paying altogether, because the conversation went south fairly rapidly; she said something to the effect of, "So you handle the bills but don't have your checkbook or debit card?" (Note that I did tell her I was at work during this conversation.) She then stated that I HAD to borrow the $300 from someone, which angered me, as she has no RIGHT to make a demand of this nature on me and she has no KNOWLEDGE of my living situation (which includes family and friends); I asked who I was supposed to borrow from and she said something like, "I don't know, family, friends... just GET THE MONEY." I told her I had nobody who could loan me that amount, and she said "Then Jim needs to call me." I replied, "Well Jim can call you and you can ask him for the money, but guess what, all Jim will do is hand the phone over to me, so why don't we just resolve this now?" She got even more surly and asked me if Jim even KNEW just how far behind the account was. I told her, "If he didn't know, why would I let him call your office to authorize me to speak to you?" She kept insisting that she HAD to talk to Jim, and I kept telling her that he will not do anything without first asking me how much we can afford to pay.. and I then reiterated that we can afford $500 but not $800.

At this point, your rep wasn't listening to ANYTHING I had to say, because she was of the mindset that if she could just talk to Jim he would tell her that we could pay the $800 she is demanding... when this is absolutely NOT the case. She then said that she was going to do what she had to do and turn this in for collection (I assume this means potential repossession), and I replied that I would also do what I had to do and talk to her supervisor. When I asked her to transfer me to her supervisor she HUNG UP ON ME. Now I understand that working in collections is not an easy job; but I am appalled at the complete lack of respect your agents offer to their clients. I do not appreciate being hung up on, when I am doing my best to pay this bill? I understand it is two months late; but because I just started my job, I am not sure how much I will be bringing home in a full week of work; and I do not want to stretch our finances beyond what we bring in, as we do incur costly bank fees every time we overdraw. If I give a check for $800 and our total deposit on Friday is less, not only do I incur a costly fee for the returned check, but you will not get the $800...and this is NOT my goal. I know for a fact that we can handle $500 this week, and I know for a fact that we can handle $500 next week; we may be able to handle more than $500 NEXT week, but I won't know that until I see at least one full paycheck from my job. I know that you want your money, and I want to get it to you; but I don't want to fall behind in every other bill I have doing so, because that is just going to put us into a deeper hole and will most likely affect future payments to Wells Fargo, because this is what happened the last time we fell behind and had to play catch-up.

I am only including my name and cell phone number in this email, as well as my husband's name and type of vehicle; I will not put any identifying information, for security reasons. I respectfully request that you have a SUPERVISOR call me regarding this situation, and please understand that if I am contacted by anybody who is not a supervisor, I will not speak to them; I will ask for a supervisor (after writing down their name), and if they hang up on me as the woman tonight did, I will call back and demand to speak to a supervisor. When I do manage to get a supervisor, they will be in for a very LONG conversation with a very ANGRY customer. I apologize for the length of this email; please have it forwarded to somebody who is willing and able to work with me on this situation. Thank you.

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Jeanette Beeler
Oct 22, 2007 11:26 pm EDT

Wells Fargo is a big RIP OFF they charged me with insurance and i was already paying for insurance $109.00 i have filled for Bankruptcy and told the guy to stop calling me and he told me he did not care what i have filled for he will keep calling and i hung up and he called right back they call 7 days a week all day long i don't answer it i let the answering machine get it and he keeps leaving some stupid message like he knows we have filed our taxes and he has papers on his desk from union county court these people thank they rule the world and thank everyone is afraid of them or something something needs to be done to them close them down or something they should not be allowed to talk to people the way they do all they want to do is fuss with you on the phone all the time. my mother died and this lady called her name was georgie from wells fargo i told her to not call back my mother was just buried and we just got home from her funeral to call another day and she said my mothers death had nothing to do with my loan i told her to get a life get a real job and hung up she called back. there awful people to deal with there always right and your always wrong i will never get anything from them

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12:00 am EDT

Wells Fargo lost a payment

I purchased a vehicle in June of 2006 and our first payment was due on August 1st which was drafted out of account each month there after. In November Wells Fargo took it apon themselves to add insurance to our vehicle $2700.00 and we had insurance on the vehicle when purchased. They were sent a copy of insurance policy 3 times by our Allstate. They took one of our payments and paid the insurance and never had added it back to our account. Now 10 payments latter they are calling saying we are a payment behind. I have actual letters from the bank show the bank draft, date and confirmation draft number. They are harassing me saying I didn't make a payment. I have called and called and faxed and faxed and to no avail have I gotten this straightened out. My next step is go to the local News station.

Any help would be appreciated.

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Sharron
Dec 30, 2007 10:56 pm EST

Wells Fargo lost, misapplied, my electron transfer payment...via my bank...the WF customer service would not deal with me. Said I had to resolve it through my bank, but almost wouldn't talk to my bank because I was the customer. The collections department after 7 calls, most after I told them to not call, finally gave me an address that no one would tell be about...this is after I had to change my phone number from repeated calls for non-payment on my car loan, when they had my money. I sent Wells Fargo my bank statements showing payment plus 2 copies of the the confirmation of the electronic transfer, (my bank also sent 2). I simply told them to either fix it or I would notify the Attorney Gerneral of my state and the FDIC. They fixed the problem, but I have been again charged with a late fee. I have just mailed WF Inquiry Resolution a request to remove the late fee charge and I am hopeful they will. If not, I will do what I told them I will do.

The address is:

Wells Fargo
Attn: Inquiry Resolution
711 West Broadway Rd
Tempe, AZ 85282

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Lisa Morrone
Jul 31, 2007 5:25 pm EDT

My husband and I have had our vehicle financed w/ Wells fargo for 2 years now. In June they drafted our payment (unauthorized) out of our checking account. I have called and called, faxed the summary from the bank clearly stating that Wells fargo drafted the money and plus gave a trace number that the bank gave me. Wells fargo is yet to find this payment and claims they cannot find the money. All I keep talking to is a representative and they claim the system will be updated. Also, from them drafting this money out unauthorized it through our account in the negative hitting us w/ overdraft fees. I am pissed off and am getting no where. Does anyone have any advice?

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12:00 am EDT

Wells Fargo lost payments through wells fargo

We have had a loan through wells fargo since October 2005,never being late once.Our payments are due on the 19th of each month.We sent our payment in early for April.We thought Everything was fine, being our check cleared the bank. Sunday evening (yes on a sunday evening) April 22,2007 wells fargo called us telling us our payment was late. I told them our check was cashed. They told me to send a copy of the front and back of the check into them. We did this on April 24, 07 and then again on May 9, 2007. To this day, wells fargo keeps calling us about our "late payment", and i have to again tell them they got the payment, but lost it, and we faxed a copy of the check into them twice. Their customer service reps, tell me different things every time we call, being it could take up to 10 days to find the missing payment. One csr told me it takes up to 30 days to find. The csr tell me when i ask to talk to a supervisor that they can handle this. I continue to get harassed by wells fargo for my "missing payment"and am not getting anywhere with them. Thank you

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I am seriously disgusted with this company. WFF starts to make back to back phone calls starting the 2nd day after your car payment is due. My payment is due on the 29th of each month and by the 1st they start calling me over and over again. I have asked them not to call my cell phone all day because I am at work and need my cell phone for business and that...

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Wells fargo home mortgage sent an appraiser for reverse mortgage with expired license, under appraised the house by 7000 dollars according third federal and drew the wrong diagram of the home. Wells fargo then wanted 5000 dollars to continue the process for the mortgage. Wells fargo home mortgage is located in Minneapolis.

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Wells Fargo they make it so you pay a late fee each month

I got a loan for some furniture through Raymour and Flanigan in August. They use the giant WFF as their lender. I am disgusted this company. You can't pay online unless you have a specific Netscape server - this is unfair. Then when you send a payment to the giant bill center in Las Vegas they sit on your payment so you always manage to get a late fee. As well they close at 5 pm weekenites. Service? They are in the third tier rat business. Do not ever take a loan out or any reason. You can't win. I have filed a complaint with the atty general in my home state of Ct.

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T.J. Jackson
Kingsville, US
Mar 25, 2011 9:46 pm EDT
Verified customer This complaint was posted by a verified customer. Learn more

Wells Fargo Financial is a rip-off joint...bunch of heartless, soulless shylocks...Get this, my mail payment for $39 made it through the worst blizzard of the decade in our area, and arrived in the Wells Fargo mailbox 2000 miles away in Dallas on Saturday, March 12, 2011. The payment was due Sunday, March 13. SUNDAY! It sat in their office over the weekend and was posted to acount on Monday morning, March 14th. Wells Fargo immediately assessed me a late fee. When I saw they had done this, I called their customer service rep in Iowa to explain the snowstorm effect, and to question how she could justify denying me a waiver of the fee under the circumstances. She simply said, sorry sir, but we don't give fee waivers under any circumstance. I then spoke with her supervisor, an arrogant SOB who flatly denied any waiver of fee, and then tried to justify how a payment due date could logically be enforced on a SUNDAY! Now I've been a customer of Wells Fargo for 10 years, and had never run into any situation so absurd as this. But after this debacle, I will cancel all my accounts with Wells fargo and NEVER do business with them or through them again.

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HECTOR C
Sanger, US
Feb 15, 2011 5:59 pm EST

MADE A CAR PAYMENT ON LINE WITH THEM BUT IT POSTED ON THERE HOME MORGE ACCOUNTS . THEY WONT RETUN IT BACK BECOUSE I DONT HAVE A HOMELONE ACCOUNT . NO WAY RIGHT ITS BEEN TWO MONTHS AND STILL NO REFOUND IN MY BANCK

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jfs
Boise, US
Mar 12, 2010 5:13 pm EST

wells Fargo is the slum of loans. i have applied for Honda credit and unfortunately they are financed by wells Fargo financial. They have turned me down unlike every other lender that i have approached. and i just bought a new built home and I pay my bills loyally and on time. they drum up any excuse to turn you down and with my case its because i just turned sixty years old but they said i use credit abusively. which is a lie . i have not used my credit abusevely . Is this not the wells Fargo that begged for money from the government with the stimulus situation . they were supposed to loan this money out to get money back into the economy and do you know where it went. ... the took it and bought wachovia bank. its different when they want money because of misuse of credit and money. The government did not decline them which they should have . They lie and are bias against people, cheats and the true ### of the lending business . Do not get mixed up with this outfit after reading all of the complaints about this out fit. they are worse than loan sharks and should loose their license to operate .

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Missie Dai
surprise , US
Feb 25, 2010 1:40 am EST

This is so funny- I am not the only one we had moon velley nurse accoutn threw welsforgo. Paid account off. There was a balance or .42 cent they try chatrging un almost 200.00 because we short pay off .42 cent and they did not notify us. Went to redo morg on our home on was on credit. Called welsforgo and boy did they feel like.

We had a car loan threw welsforgo a few years back, We had same issue transfer our loan from welsforgo with in months, There way they do business is un real.

Then we turned around after weeks of tring to get he correct bought out daughter bedroom set- approved buy welsforgo, (stupid us) They change the due date by days, you never get the bill to know, so u pay it on one day and it was due the day before.We have gone to the extreme and change there bills to family own company because they said it was us, and we don't check our mail.UMMMM Well same issue, We never get a bill matter fact asked my husband tonight has the bill came for Welsforgo, Our account would have been paid off months ago, if they did not tack a late charge for the 1 or 2 day because they feel it ok to do this to people- We even got so pissed about the late fees refused to pay it until it was fixed. People would call that whole month ou home and said the rudes thing to me, Telling me I am not a good wife, i can't pay our bills, My husband shoudl leave me. It has had me in tears, I am happy to say I am paying our last payment next months, We have even closed a saving account we had with welsforgo about a year ago, Will never do business with them again..

We have 4 major credit cards, and 4 store ( other then these) Never had a single issue- We have had one of our cards with Chase for over 8 years.We will NEVER except loan with welsforgo againThe furniture loan was the finall draw with us...Do your research before dealing with welsforgo

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Anna Bananna Jensen
Boulder, US
Jan 21, 2010 6:25 pm EST

I've been slapped with the erroneous $39 late fee many more months than I even knew about. Most recently, my Bill Pay payment that my bank posted on the 1st, didn't show up as received by Wells Fargo Financial until the 3rd. I called about it and had to basically tell the "customer service" person to stop talking over me so that I could explain the posting err on their part. I had to get extremely stern before the woman on the other end said that she would credit the late charge. She then proceeded to berate me about paying on time. I started to try again to explain that I did pay on time before exclaiming that I just wanted her to take care of it and stop speaking to me with such rudeness.

Since then, weeks later, I've received 2 calls at work telling me I have a past due amount of $39, the amount that was supposedly credited to my account. After dealing with extreme rudeness from these two jerks, I called and explained the situation, that I paid the amount due minus the late fee. The woman's response what that yes, your total balance on your account was credited, but you still have to pay the entire amount due for the month. I let her know that I had never heard of such a sneaky policy for which I was not told or even given a clue about when my account was credited. I also let her know that the manner in which I was treated, as if I had done something wrong, was extremely disrespectful and unacceptable. Her response was "So, do you know when you'll be able to pay the $39?" I let her know I'd get to it when I could. She said "OK" and I hung up.

One thing is for certain, I am going to pay off this god-forsaken card ASAFP. I will NEVER use Wells Fargo Financial for anything other than wipe my ### with their credit card applications. To you executives of WFF that brain storm on how you can further F===K the American people, I hope you suffer miserably when you die.

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crazyhawk
aldergrove , CA
Mar 13, 2009 10:24 am EDT

i have had a hard time getting financing and could not figure out why getting turned down for credit cards and loans so i got copys of my credit report from transunion and exqufax i have NEVER DELT WITH WELLS FARGO but on my credit report they are there and it is from06/92 and itwas march o8 it is now march 09 and it still is on my report and now i get emails welcoming me to wells fargo i dont know what to do i have fax then fax trans union and it is still there i guess if you are a little guy they dont care well i am going to the news paper if i cant get an answer today last time i am doing this i would say stay away but i have never done busness with them ? that what makes it worse

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Demetra
Nov 29, 2008 7:53 pm EST

Please take the time to enter your information about a class action lawsuit against Wells Fargo Finanical.

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

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Lin Hu
Nov 19, 2008 9:34 am EST

I can't agree with you more, I had bad experience with Bombay Credit Card which Wells Fargo Canada offers the services, they lost my statement, massed up the account, then keeping charge the interest, the operators were unfriend and unreasonable...

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steve mills
May 01, 2008 2:21 pm EDT

Wells Fargo SUCKS BEYOND BELIEF! These stories are so terrible. I agree with all of them as I also used to deal with WellsFargo. I had a secured credit card with them whereby there was a difference of .05...a nickel! over something and got socked a $35 charge. I just walked away from them, but while I was with them pulled my hair out every time I had to deal with their customer service. Stay FAR away from Wells Fargo!

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T Molesky
Apr 14, 2008 10:11 am EDT

I have also purchased furniture and was approved through Wells Fargo Financial. After cruising through the first few months without any issues, my bills either did not come in until they were past due, or did not come in at all. I checked with the post office who said there were no delays in mail to my area, and then spoke to Wells Fargo. I received nothing but excuses and was told to check with the local post office. After a brief conversation on why I could not receive a bill on time, but I could get a courtesy call after the bill was due, the subject turned to a $10.00 fee for running a check by phone and why the website is severely behind (it has no information ever) in showing account balances, due dates, and other very useful information in making on time payments. I was told that they would be getting the information soon, but to this day they have not carried on their promise to include important account information on their site. Recently I have found that if I lose my password to the site, keeping in mind I don't receive bills more than I do, I need a bill with my account number on it just to get a phone number to call to unlock my account, but can only do it during normal banking hours. There are so many roadblocks to keep you from paying on time, it is a battle to keep the account current even if you have money to pay the bill and pay more than what is owed every month. I do not recomment this company, will not recommend this company, and plan on paying this company off in the next couple months and never doing business with them or their affilliates every again. Customer service is way below par, convenience is unheard of, and general business practices that should be designed to attract repeat customers are nonexistant. I rate them under insurance companies and auto accident attorneys on the moral ethics rating of business.

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12:00 am EDT

Wells Fargo took money of my bank account without authorization

Yesterday i learn that wells fargo took money out of acct. Today still don't have my money back plus with all the aggravation, fax, still they want my bank statement for them to return my moneys. I feel like i have been abuse just in a different way: "financially" and abuse again "today". I need to know what i can do? Of course because i have to work my time is limited. At the moment my bank acct is frozen and i had to try to resolve the best for me. With no results. I am going to take it to the policy and make a report. They robe me i feel wells fargo robe me!

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Juan Reynoso
US
Oct 15, 2016 9:03 am EDT

By: Juan Reynoso, WTP Activist – www.represent.us
Texusa2016@gmail.com
https://www.freetranslation.com/en/translate-english-spanish

We got the power to get Wells Fargo out of business.

Wells Fargo already lost a multi-million-dollar customer last week. Now, the bank can expect to lose a few more. We the people are fed-up with White collar corruption and zero prosecutions.
The evidence of fraud and corruption in Wells Fargo operation is huge; this financial institution should be ban from doing business in America. Our trust on the Banks and all the financial institutions in our country cannot be demised by corruption that our government is incapable to prosecute, John Stumpf and the people that is in control of the Wells Fargo Bank operations, from CEOS to the managers that are part of this fraud and corruption should be prosecute and send to jail; it is time to deal with white crime and corporate corruption. No Bank in this country should be given Carte Blanche to defraud the people of this country with impunity and be immune from prosecution. In the case of Wells Fargo, It is clear that John Stumpf will not be prosecuted and the people will not get justice, because our government is incapable and unwilling to get justice for the American people. Corporate criminals are rewarded with millions of Dollars and nothing is done to punish neither the criminals nor the institution.
Fellow Americans, we have the power to get justice. I closed all my accounts with Wells Fargo in San Antonio Texas and I call for every Business and customers of Wells Fargo to close their account with this corrupt Banking and financial corporation and send a message to all the corporate criminals that we the people will get our justice by destroying their business if they continue their corrupt and exploitation practice in our country; It is our duty as Americans to stand united in solidarity to get justice for the people of this country.
Close your Account with Wells Fargo and deposit your money with your State Bank or credit unions, Transnational Banks is given the power from our government to use our money and exploit us to get rich and powerful at our expenses.
For instance, Wells Fargo (WFC) is sitting on more than $17 billion in loans to the oil and gas sector. The bank is setting aside $1.2 billion in reserves to cover losses because of the "continued deterioration within the energy sector." Wells Fargo executives said Wednesday that the bank’s profitability is still better than peers. The firm reported its net interest margin, a measure of how profitably it can lend out its customers’ deposits, fell to 2.96% from 2.97% at the end of June and 3.06% in the third quarter a year ago. That margin has been challenged by the Federal Reserve’s policy of keeping interest rates low, a policy that Wells Fargo executives said would continue for longer than the industry had previously expected.
http://www.charlotteobserver.com/news/business/banking/article71761207.html
Wells Fargo Consumer Complaints and Reviews.
https://www.consumeraffairs.com/finance/wells_fargo_mortgage.html
Wells Fargo mortgage fraud
https://www.justice.gov/opa/pr/wells-fargo-bank-agrees-pay-12-billion-improper-mortgage-lending-practices
Stop Banks corruption and foreclosures frauds
http://stopforeclosurefraud.com/

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Darryl F
Philadelphia, US
Mar 20, 2014 7:54 pm EDT

Wells Fargo is horrible they took $2658.75 out of my checking account with my authorization and when I called I was told that because my student loan was in default they had the right to do this, even though I was still making 80 percent of my student loan payments, I received no communication from them until after I stated making calls, they basically laughed in my face and told me that I wasn't getting the money back and the only way I could square away my loan was to pay them 700 dollars a month which would total up to over $25, 000 dollars or they would settle my debt for a lump sum of $16, 687.95. I was laid off from work for months got a job paying less money and I have called them and explained this to them over the phone and in writing.they don't care about anyone.
The way to hurt wells Fargo is to stop doing business with them

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12:00 am EDT

Wells Fargo paid a check not authorized!

On 1/8/6 the bank wellsfargo paid a ck 1032 per $900 dollars. When i had a stop payment since 7/19/06 so the expiration of the 6 months stop payment expired on 1/19/6. So they pay the ck before the expiration date ends. I opened an investigation & they never contact to me i did 3 times new investigation until now they don't answer me. When they paid that ck i received alot charges of my credits because that amount wasn't on my account so i want they pay me back the $900 dollars plus all the charges course this negligence of the wellsfargo bank. All went $2,900.00 dollars. Can someone help me?

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12:00 am EDT

Wells Fargo illegal business practices!

I want to know who i can talk to about this situation i had got a mortgage loan from wells fargo the end of last year to purchase another home and pay off bills. Well i had went to a manager name Michelle at first she was nice to me and my spouse we talk about how she was going to write the checks it never came out that way never notified me about the change she was talking to my dad somebody that was not on the loan she was mad cause i didn't want to pay for stuff that she wanted me to pay for how i found out about these checks is when i picked them up they were not the way i wanted them i went to different wells fargo managers they told me that she has to put them the way i wanted them i went back she was rude said she was going to rip it up and no i am not going to change it i asked her why wasn't i notified about the change she couldn't give me an answer so now im stuck with a 52,000.00 check thats expired now and im making my on time payments to a check i am stuck with all i want is for that check to be in my motherinlaws name the way it was suppose to be i blended her that money. Advise smb!

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Drew
Apr 06, 2008 10:33 am EDT

This is my first blog post ever...but I wanted to agree with all the people on here that think WFF is the worst! They are so aggressive with their fees, penalties and interest and the people in the collections department of the rudest people in the world. They are so nice when they want to loan you money, but if you miss a payment, or even worse...short them $30 on a payment by accident they hound you at all hours of the day with the most harrasing collection calls ever! I ablsolutly HATE WFF. Good thing I'm almost out of the woods with those lil suckers!

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Justin B
Nov 28, 2007 9:18 am EST

As a former Wells Fargo Financial Employee I can tell you that the checks for additional funds over what is being paid to the creditors can only be Payable To the people on the loan. If the check is now expired you should be able to provide proof of that to the Local WFF office where you did your loan, and they can issue you a new one very easily (The check re-write may need to be approved by higher level people than just the Branch Manager, possibly District Manager). Once the check is re-written in your name, just deposit it in you bank account, wait for it to clear, then write a personal check to your mother-in-law. A check can only be made out to a legit creditor on your credit report... That is the way the system is set up. If you would like to direct the funds any way else then you must do it the way I told you. I hope this helps as it's been a while since you-ve posted this complaint.

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Judie Rev Joseph Davis
Sep 09, 2007 6:03 pm EDT

Wells Fargo has not hired the right people in their company to handled business. They don't know how to talk to people they contact about business matters without getting rude and irritated with the customer. When you try to explain they don't want to listen, its their way or no way. I tried to stay calm but they always want to talk like somebody is stupid or ignorant and that makes me mad. My son-in-law has a truck financed with them(I only co-signed for him). If he is late or behind they don't call him they call me, because someone at their office messed up the paperwork. They have my number on automatic speed dial and not his, I get sometimes three calls in one hour from them and calls seven days a week. When you try to call back on the weekend you can't get anyone but they can call you all day. I have informed my son-in-law, and he hasn't received not one phone call from them. When I asked the person to call him she tells me she (Christine) can't because the phone number is own automatic speed dial. What can a person do about this situation? Wells Fargo Don't Care About You Nor Their Employees. Most of them don't even know how to do business with people yet the company hires them anyway. My husband and I are nearly 60 years old and know how important credit is but to have some young person trying to educate us on credit, the ENTIRE WELLS FARGO FINANCIAL FAMILY NEED TO LEARN HOW TO DO BUSINESS INTELLIGENTLY. MAYBE GET THE BOOK ON, "BUSINESS FOR DUMMY'S". Last point, my congregation will be told not to do business with WELLS FARGO (Mortgage/Auto/Anykind Loans).

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12:00 am EDT
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Fell behind on payments due to a job loss and have been given the runaround. People have been rude and generally unhelpful.

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12:00 am EST

Wells Fargo liars and cruel to their customers

On january17th i went to the bank to withdrawal some money from my account and come to find out the bank had closed my account without notifying me. However, i had over 60,000.00 in my account i was not allowed to withdrawal not even a dollar of my money. They, told me to call a 1 800 number to ask why cause the banker did not know why, so i called and they told me that i will be receiving a letter within 3 days stating that my account will be closed and i will receive a cashiers check for the balance that was in my account. Their reason was that there were 3 checks deposited into my account which happened to have bounced. Even though that was not my fault, the checks were from someone who owed me money .they said that the cashiers check will be ready within 10 business days. I asked if there is anyway that i could take some money out to last me 10 business days till i get my money and they said no,they didn't even care that i was their customer and even though it wasn't my fault they closed my account and charged my account fees for the bounced checks also leaving me broke for ten days as well as all my bills unpaid.

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Controversy
Sugarland, US
Jul 01, 2009 11:45 am EDT

I reside in Houston, Tx and I have been dealing with Wells Fargo since they took over First Interstate Bank in the 90's . I have had sooo many problems with them charging overdraft fee's and the money was in the account but what they will do is post the transactions, take it out of the current balance & then they will put it back in a pending status a day or two later so if anything else comes thru you will be over drawn.For example on June 29 my balance was $188 and I paid my light bill for $149.00 & that left $38 dollars in the account. My life insurance payment come out the next day of $21 and the $38 should have covered it right? Well they put the light bill amount back in a pending status on 7/1 & that caused my account to over draw, how is that ? Now they say my account is $40 overdrawn and that is without the two late fee's there going to add on! I now see why California has a law suite against Wells Fargo for over charging there customers with overdrafts fee's that they shouldn't be charged for. I also have my home loan through them too. They have all my business and yet they are still stealing from me. I have had enough and now will be going to Chase, at least I know when I make a deposit I can get some cash back too.

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oleo
Aug 06, 2008 11:56 am EDT

I totally agree Wells Fargo is cruel and has bad customer service. Recently I disputed unauthorized use of my credit card---after researching an authorized purchase and verifying that the information for the online transaction did not match the information on my card--they denied the claimed amount. It was for airline tickets. They told me to contact a lawyer.

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mary
Feb 04, 2007 4:11 pm EST

Serves you right for banking with wells fargo

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12:00 am EST
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Wells Fargo do not do business with these crooks!

This company operates in a very unethical manner. They promised 0% interest rate in the first year. I asked if this included balance transfers they said yes.

I got the checks and paid my other credit card a/c and their check bounced. They said I did not have the right check, which THEY sent me. After paying with the replacement check I got the bill. My interest rate was 24%. They said they considered this a cash advance and that was the reason. I have a credit score above 800.
They said I had to have a clean six month record to lower the interest rate.
My payments starting becoming mysteriously late even though they were sent in on time so I tried paying them over the phone. One payment they said was not applied due to "clerical error." They said since it was not my fault I would not pay the late charge but sure enough it was on my next statement.
I tried using Western Union Quick Collect. I was assured they would credit me the day I sent in the payment. I did the wire on 12/10 and gave them the control number when they called on the 15th to say my payment was late. They said they never got it and I would have to track it myself.
They eventually said they got it on the 19th and could not adjust my account to show this or credit my late fee because it was not their fault.

This is after numerous other promises were made to me about lowering my interest rate etc. which were also never kept. Warning! Do not do business with these crooks. Try a more reputable company and any company that repeatedly mails you offers is suspect. I will be paying off this bill with my next statement.

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H8tbankingmafia
los angels, US
Mar 25, 2010 2:40 pm EDT

Wells Fargo is another corrupt banking institution!
there business practices are fraudulent and misleading!
they use software to manipulate there deposits to purposefully cause overdraft fees!
DO NOT DO BUSINESS WITH WELLS FARGO ON ANY LEVEL!

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12:00 am EST

Wells Fargo do not ever deal with wells fargo!

My name is Beverly. My mother (81 years old) and father (83 years old) have a bank account with Wells Fargo. My mother became ill and my father needed a current balance for their attorney. Wells Fargo only sends a bank statement every other month, so we called and wrote letters requesting this information for weeks. My parents attorney did the same. We received no response. Today was the last day the attorney needed this information for Medicaid so I called. My father and I were on the phone asking for help for two hours and we never got a bank statement. We got transferred from one person to another. Some were very rude. Every other bank helped my father by faxing the current balance to the attorney, but for some reason no one at Wells Fargo would help us.

I am writing to let everyone know "Do not ever deal with Wells Fargo". I would not want you to go through what these people put my father through today.

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12:00 am EDT

Wells Fargo help needed, wells fargo is messing my credit

Dear Fellow Helpers:

I need some legal aide help.I have been a loyal patron of Wells Fargo for over twenty five years.Recently I encountered a huge problem.It seems my account became "overdrawn." It did not show up on the receipts I got from my atm withdrawals.So I made purchases.I always made sure my atm withdrawals were in the positive.I transferred money from my savings always, to have a positive balance.

Recently, Wells Fargo within one month, charged me over $376.00.They told me I was overdrawn since July.Then I wrote an employee online.He wrote me a letter stating that I had no overdraft protection and they had a right to do as they please and one option included denying charges to the account.So,
they could have declined the transactions if there was no money in the account.They should have optioned for this, since legally, I did not give them permission to use my money if I was "overdrawn." Secondly, I have four other accounts, that had money enough, to cover any problem issue of this
kind.Thirdly, I had moved and they were told my new address.I hadn't received any bills, but I got my atm withdrawals and I had no negatives.

Now I am in collections and am receiving harrassing and threatening calls everyday.My credit is ruined.On another of my accounts, they charged me ten bucks extra each month, for having a lower balance.So since April, they have stolen $50 from one of my other accounts.Never before have I had a charge like that on any of my accounts.

I do not know who to turn to, to get some help.I know by now, I am gonna probably owe triple.But I refuse to pay this on principle.Is there someone online out there, that can tell me exactly what to do, to get this mediated, taken care of, and get my money out of there bank for good, and into a better bank-(which ever one might that be?)I just need a little guidance and support.

Thanks for listening,
Sammy

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Dinah Junek
Denver, US
Feb 04, 2015 7:00 pm EST

Wells Fargo has also put me in collections because I had fraudulent activity going on with my account.I told them I got an attorney and he said yes the people were trying to take money out of my account on a daily basis. All that was owed on this account was fees from them trying to get money. The bank just told me there was nothing they could do about it. This was in 2012 and I'm just now receiving collection letters its 2015. I called them and they told me to call wells Fargo to claim the dispute again. So I did and being very polite to the gentleman he told me there was nothing he could do and hung up on me. Now what do I do? I called the collection agency and told them what happened, of course there is nothing they can do about it, but were very sorry how I was treated. Can any body help me with this situation any ideas? Its on my credit report for 7 years ! Dinah

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My account has been charged three times the correct amount for an overdraft thanks to a policy by Wachovia to ensure profits through usury disguised as a consumer protection. In light of the amount of money your company handles daily, I trust you will not find my complaint too petty to resolve. Wachovia has unrepentant stolen $70 from my account thanks to...

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About Wells Fargo

Screenshot Wells Fargo
Wells Fargo is a renowned American multinational financial services company that has been providing banking, investment, and mortgage services for over 160 years. With its headquarters in San Francisco, California, Wells Fargo has a strong presence in the United States and serves millions of customers across the globe.

The company has a rich history that dates back to 1852 when it was founded by Henry Wells and William Fargo. Since then, Wells Fargo has grown to become one of the largest and most respected financial institutions in the world. It has a strong reputation for providing reliable and trustworthy financial services to its customers.

Wells Fargo offers a wide range of financial products and services, including personal banking, small business banking, commercial banking, wealth management, and investment services. The company's personal banking services include checking and savings accounts, credit cards, loans, and mortgages. Its small business banking services include business checking and savings accounts, credit cards, loans, and merchant services.

Wells Fargo's commercial banking services cater to the needs of large corporations, middle-market businesses, and small businesses. The company offers a range of services, including treasury management, international banking, and commercial lending. Its wealth management services include investment management, trust services, and private banking.

Wells Fargo is committed to providing its customers with exceptional service and support. The company has a team of experienced and knowledgeable professionals who are dedicated to helping customers achieve their financial goals. It also offers a range of online and mobile banking services that make it easy for customers to manage their finances from anywhere, at any time.

In addition to its financial services, Wells Fargo is also committed to giving back to the community. The company has a strong corporate social responsibility program that focuses on supporting education, community development, and environmental sustainability.

Overall, Wells Fargo is a trusted and reliable financial institution that has a long history of providing exceptional financial services to its customers. With its commitment to customer service, innovation, and community involvement, Wells Fargo is well-positioned to continue to be a leader in the financial services industry for many years to come.
How to file a complaint about Wells Fargo?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Wells Fargo. Make it specific and clear, such as "Unauthorized Wells Fargo Account Charges" or "Wells Fargo Mortgage Application Delay".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience. Include key areas such as:

  • The type of service or product you were using from Wells Fargo.
  • Specific issues with account access, transaction problems, customer service interactions, or any other grievances.
  • Chronological order of events, including dates and times, if possible.
  • Any communication with Wells Fargo representatives, including phone calls, emails, or in-person visits.
  • How the issue has personally affected you, such as financial loss or stress.
  • Steps you have taken to resolve the issue and Wells Fargo's response or lack thereof.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, receipts, or statements. Be cautious not to include sensitive personal information like social security numbers or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, clearly state what resolution you are seeking from Wells Fargo, whether it's a refund, apology, or another form of rectification.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to the best of your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click the 'Submit' button to file your complaint against Wells Fargo on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Wells Fargo.

Overview of Wells Fargo complaint handling

Wells Fargo reviews first appeared on Complaints Board on Aug 18, 2006. The latest review Business checking account was posted on Nov 18, 2024. The latest complaint Refi of home mortgage. was resolved on Jan 23, 2021. Wells Fargo has an average consumer rating of 2 stars from 7547 reviews. Wells Fargo has resolved 624 complaints.
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    Auto Finance
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    Student Loans
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    Student Loan Consolidations
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    Personal Loans and Lines of Credit
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    Personal Lines of Credit
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    401(k) Retirement Plans
    +1 (800) 222-8222
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    Individual Investors
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    Investment Professionals
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    Institutional Sales Professionals
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    Current IRA Customers
    +1 (866) 243-0931
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    New Brokerage Customers
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    WellsTrade Online Brokerage
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    Wells Fargo Private Bank
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    Wells Fargo Online
    More phone numbers
  3. Wells Fargo emails
  4. Wells Fargo address
    420 Montgomery Street, San Francisco, North Carolina, 94104, United States
  5. Wells Fargo social media
  6. Michael
    Checked and verified by Michael This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Nov 19, 2024
Wells Fargo Category
Wells Fargo is ranked 3 among 414 companies in the Banks category

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