Wells Fargo review: potentially fraudulent advice 75

I got my home mortgage through wells fargo but i didn't get the home insurance through them.After one year and one month I switched the home owner insurance company. I have the proof of coverage for the extra one month but i have spoken to them several times faxed them the proof 4 times but they are still charging about a 100 dollars extra on my mortgage saying that if you provide the prof of coverage they will reimburse that money. I don't know what i have to do with this disorganized bank.

Please contact the Better Business Bureau and the Comptroller of the Currency for National Banks. Doing this will get the banks attention and they will work more diligently to resolve your issues. This will also help others.

We're getting our home refinanced, and Wells Fargo is the holder of our 1st mortgage (they bought the loan from another company). I work in a small office in a sea of cubicles next to co-workers, and everyone not only knows your personal business when you talk on the phone, but they know that you are conducting personal business at the office (which is discouraged). So my husband, who travels for his business and is home for long periods at a time, makes our personal calls when he is home.

When he called Wells Fargo last week, an operator named Chad told him that they just needed to get my authorization for him to talk for both of us, and we would be all set. Apparently, what Chad at Wells Fargo told us was not true. After getting my "authorization" (which I sacrificed some of my lunch break to do at his request), what he provided my husband with was no more than what we could have gotten by typing "GFE" into a search engine. We had to provide all of the details to fill in the form (except for the interest rate and Wells Fargo's fees). Chad did nothing but type what we said into a standard form. That was disappointing.

The upsetting part came today, when my phone rang at work. It was Chad. He said that he was "having trouble" reaching my husband (who was sitting next to the phone at home, so I'm not sure what the trouble was). I apologized for our lousy home phone service, and asked him to try again. His response to me was "and what are the last four digits of your social security number?" Thinking he was confused, I apologized again and told him to please call my husband, since phone calls at work were not good for me. You would think he would understand, and not want to jeapordize the job of his own mortgage borrower in such a tough economy. Instead, he became rude and started arguing with me on my work phone!

He told me that I had not filled out the proper paperwork to authorize him to talk to my husband. I reminded him that I had just done what he told me to do - and that if there was any paperwork to fill out, to please send it to me at my home address or email it, and I would return it as soon as possible. His response floored me - he said "you're the one who has the issue with talking on the phone, so if you're going to be difficult for me to deal with, we're done." I was stunned. I said "excuse me?" Yep - he repeated it. All I could say was, "Wow, that was really rude. I can't believe you speak to customers that way." How is requesting paperwork he told me I needed to fill out being difficult? I assume it's because there is no such paperwork, and he lashed out when he was caught in a lie.

He then proceeded to rattle off his his first and last name for me very arrogantly, as if daring me to complain to someone about his harsh manner. I would gladly print the name here if I didn't already know for sure that he lied about not being able to reach my husband at home - so I'm afraid he gave me someone else's name, too. We'll just call him Chad P - he was working the phones at 10 AM on 10/7/08.

I'm still in shock. We're refinancing now just to get away from Wells Fargo. It's more than they don't care about their customers - they attack them!

Back in October I had telephoned Wells Fargo about my mortgage payments because I foresaw a financial problem occurring in the months to come. I tried to get my loan modified to stay in good standing with my payments and all they wanted to do was make me agree to a "Promise to Pay Program", basically stating that I promised to pay them if I fell behind on any month (s). They also referred me to credit counseling, when my situation had nothing to do with credit counseling, but more so with the way that they economy was going. Business is slow, especially for me, I am a truck driver and business has been horrible, I mainly deliver building material, such as sheet rock, roofing shingles, etc. and since the economy is so bad, no one is buying homes, which means that no one is building, which means that I am pretty much out of a job. Hopefully Wells Fargo will wake up and take a look around at what really is going on in the world today...

QUOTE FROM ANOTHER POST: " Worst customer service I have ever experienced, unprofessional, incompetent and unexperienced loan officers"

THAT DOESN'T EVEN BEGIN TO COVER THE HALF OF THESE LYING THEIVES PROBLEMS!

I called MONTHS ahead of problems I forsaw concerning money and my payments on the house... I can't even begin to desribe the shabby, unprofessional treatment we've suffered at these clowns hands.

They are hands down the biggest liers and untrained people I've ever encountered in the business world.

Their reps will say ANYTHING what so ever to make you think they are helping you when in fact they are just jerking you around with no intention wha so ever of actually doing anything to assist you.

I personally believe this is done to make it appear to the goverment agencies that they ATTEMPTED to help you... this then covers their ### for taking the bailout money the were SUPPOSED to use to help distressed homowners with but instead used to buy other assets to build their own business worth!

We made literally DOZENS of calls to them and got nothing but one run around after another, told the previously submitted documents had been lost no less than 10 times, connected to the wrong departments over 3 dozen times when calling, even had one little ### submitt a Loan application against us when we were only trying to contact Loss Mitigation to try to work something out?! (Please note, due to being transfered to the wrong people SO many times before I asked the little ### no less than 3 TIMES, POINT BLANK, ARE YOU WITH LOSS MITIGATION? AND WAS TOLD 3 TIMES POINT BLANK, "YES, YOU ARE IN HE RIGHT DEPATMENT", he then proceeded to make me give him all our financial info yet AGAIN, for the 10 time, taking over an hour to give it to him, THEN he tells me "Sorry, they have declined your loan application."

I about had a seizure from the anger he caused me after realizing what he had just done.

These people are the most poorly trained and least skilled Customer Service Reps I have EVER DEALT WITH. I'm fairly certain there are being told something along the lines of " Take the call, the more volume we generate and show the better defense we have to show we are "trying to help people. Of course DON'T actually do ANYTHING that actually helps anyone in trouble!"

###, plain and simple.

We are giving tem ONE LAST SHOT to negotiate in good faith on this loan modification and if they screw it up that's that, we are filing Bankruptcy and letting a freaking Judge set them straight - I'm sick of dealing with their dishonesty and dirty dealings!

If you are trying to AVOID the situation everyone else is in don't go to Wells Fargo. They don't care. The Home Assist Program is ###. It is a scam to make more money. Someone needs to monitor these banks to ensure they are "assisting" people instead of making there economic situation worse. I have been waiting 3 months to hear about my assistance and they tell me I was initially refused because of my debt to income and am being considered for another program. I got someone who told me I could temporarily lower my payment for 6 mths but pay a balloon payment at the end if I missed any of the lowered payments. I agreed to this and was transfered to someone else that told me that the balloon payment was due whether or not I missed a payment, besides that it would be put on my credit as a bad mark. The balloon payment was more that what the savings I would be getting. They said well it can be spread out and paid later. I thought that kind of thinking is why we got into this mess. The original person told me I wouldn't foreclose I could just go to short sale. The point is no one can sell a house now and doesn't want to lose their house under any circumstances. This was a 20 something that probably lives at home with mommy & daddy and has no clue how this feels. The STIMULUS means lets stimulate the banks not the people who are suffering due to others greed. I bought my house for $65000.000 and live within my means and pay my bills on time but am being punished for not allowing my situation to get worse.

JUST PLAIN PISSED!

Quit faxing the information and send it CERTIFIED MAIL, RETURN RECEIPT.

I want to know how Wells Fargo is allowed to get away with this? I am having the same problem with them as all the other poor souls who made posts to this website. Who can help us? Who will make Wells Fargo accountable for their actions? They are playing with peoples lives!

The WF mortgage dept. refused to send us paperwork we requested also. There have been times when the people we deal with on the phone talk to us like we are less than human...they are criminals and the government is allowing it...with all of us who have been victims openly telling our stories and complaining, the government must be aware of these actions and yet they dont get in trouble...they get money to keep on operating...asking for some of the bail out money was probably just another one of their scams...probably vacationed in Italy with it!

Do not accept a forbearance agreement, do not accept the hamp program.

Wells fargo does not have, nor will they ever put any skin in the game or attempt to make any concessions whatsoever. "together you will not go far" in debt maybe, but that's about it... essentially they are placating the federal government and concurrently attempting to squeeze every cent out of borrowers.

The best thing you can do is either bring your loan current or walk from your property. do not put yourself through the pain and suffering that we had to endure for the last 14 month... yes, 14 months with no resolution.

By the grace of god we saved and borrowed the money to bring our loan current and will relish the day we can get our loan as far from wells fargo as possible!

Do not trust a word they say!

I was talking to an escrow agent from Wells Fargo (who was very nice) when she said that my loan was eligible for the Home Affordable Refi Program. She asked me if I was interested in that, so I said yes and was transferred to loan officer. She seemed helpful at first and said that my loan was, indeed, eligible. Then she did the costs for it and it seemed that my payment would be a little higher than it is now. I didn't mind that at all (we can afford it), but she kept on trying to play it down like if it were some major increase (it was less than $100). I told her I wanted to go ahead with the 30 year fixed refi. She then went on to do the dreaded debt to income ratio. Unfortunately, she said I was right below the thresh hold and had to go talk to her supervisor. They denied even going forward with the refi because of it. I tried to tell her that the debt to income was not accurate because my husband pays half of everything. She said it didn't matter (which clearly it does, because it's wrong). She said that the only thing that I could do is get a mortgage modification, but that is if I default. At this point, I said, "So basically, what you're telling me as a customer that pays faithfully and on time, that you can't help me, but that if I decide to stop paying my loans, you'll help me?" She got defensive and asked me why I never put my husband on the loan, and I told her that he wasn't my husband when I bought the house. Then she said I shouldn't have gotten a loan that I couldn't pay (which I can...in fact, I was willing to pay the adjusted payment which was $100 more. I just want a 30 year instead of the ARM). I got angry and said that maybe I wouldn't be in this predicament if banks weren't pushing out ARMS like cocaine-laced candy. She then said, "You are preaching to the wrong choir here. There are plenty of other soapboxes to go around. Go talk to Obama." At this point, I was literally flabberghasted. Obama? Are you serious? I wanted to explode, but figured she would send my information to flag@whitehouse.gov

****EXECUTIVE COMPLAINT CONTACT NUMBER FOR WELLS FARGO HOME MORTGAGE***

If you have ANY issues with a refinance, please contact [protected]. This is a direct number to their "Executive Resolutions" department which nobody wants you to have...well, now you do.

****EXECUTIVE COMPLAINT CONTACT NUMBER FOR WELLS FARGO HOME MORTGAGE***

If you have ANY issues with a refinance, please contact [protected]. This is a direct number to their "Executive Resolutions" department which nobody wants you to have...well, now you do.

Wells Fargo Home Mortgage took over my loan a while back. As everything else in life all things are fine until you have a problem and that when you realized the people that are handling your money or your lively hood is full of TRASH!

I called Wells Fargo Home Mortgage back in March 2017 to let them know I was going to be late on my payment. Which I did pay the payment late with the late fee, They didn’t offer to waive the late fee or anything seeing I had not been late on my loan in the 4 years of living in my home.

I have lost 2 jobs since I first bought my home back in 2017. And in the 4th year I call and say that I am having problems and here is the run around I have been getting. I called in April 2017 to let them know I would be unable to pay. May comes around I called and ask if they had anything they can do for someone that is struggling to make payments. They told me I am not behind enough for them to assist me. First they went through my expense and bills over the phone and wanting to know what I paid. Even wanted to know my grocery amount, if I buy cat food and personal items. I had to fax all that stuff and then I get letter saying that I was denied because my expenses are more then what I bring home. Well I told them that over the phone. You denied me fore that. Your job is to help. I am aware of the expense problem. I HATE WELLS FARGO!
By the time the looked at my paperwork I was two-payments behind by then.

Now, I am still 2 payments behind so I make one-payment so it won’t look like there is 3 payments behind. They don’t just move payments to the end they would have to do a loan modification. So I refax my stuff again after I was denied. I call a week later they didn’t get. I fax it again they didn’t get it. I fax again they didn’t get it. So I fill out the form online for the loan modification fax my stuff again. They send a letter saying I’m denied because of my expense being more then what I bring home.

Every month the same thing. I get a loan modification company to call on my behalf and I fill out authorization forms. We fax that over back in May. He spoke with the department that handles modification. But when I called to check on my account they claim they didn’t receive anything.

Every month the same thing. Fax nothing or Fax and decline expenses are to much to keep the house. The sad part is I been paying Wells Fargo Home Mortgage all this time with the same expense problem. But now I’m two payments behind that your answer for everything.

I have gone to another company that handle loan modifications we sent this information back in Aug. I been getting letters saying it takes 45-60 days for an update. Please be patience but keep making payments. It is now November 2, 2017; I call to find out why I haven’t they completed this modification and what is taking so long. They told me that I was denied back in September but no letter was sent to me. They also told me that I have to submit my paperwork every 30 days they can’t go off old information. WHEN WERE THEY GOING TO TELL THE CUSTOMER THIS MESS! I’M SO PISSED OFF. I been dealing with this mess since April it has been 8 months. All they have been doing is bring down my credit so I can’t get a home anywhere else. They don’t care if I stay in that house or not. Wells Fargo wants me to loose my home. They want my credit to be bad. Each month those two payments are behind I get more and more late fees. I really don’t know what else to do I guess I have to start the cycle again or just give up. My credit card companies have been more then welling to work with me then anything. But the place where I lay my head can care less if I have home to lay my head at. It should not take that long to do a modification. I talked with a Realtor. I bought my home for $98, 000. I owe $93, 000 and those homes are for sale now only $22, 000

Wells Fargo Home Mortgage doesn’t want to take that lost but they would rather my credit be mess up why they are sitting on their hands doing nothing about my house payments. It needs to be something we can do about this company Wells Fargo Home Mortgage has taken advantage of many many people it has to be above them you can go to get help on your account. With all this said I still don’t have it done

From an upset and anger Fed-up Customer

I was behind on my mortgage payments due to me being a Realtor and the Real Estate market being the way it was and still is i was unable to make my monthly mortgage payments. I paid every payment i could when i did get some money.

Then finally after almost a year with no luck finding any work i found a job that now could pay my mortgage on time. So the called Wells Fargo and explained (which i was always in contact with them) So Wells fargo set me up on a 3 payment plan which was $150 a month higher than the current mortgage payments.

I paid this ontime then the bank told them to call back and they would modify the loan when all 3 payments were on time. i called in wells fargo sent a new modification (so called relief) stating what was owed before and now the new terms interest went down about 1% 11k late fees and all other back payments added to back of the loan not intrest free mind you which most of this money was already intrest and now i have a new 30 year mo rtgage for more than i paid for the house five years ago mind you in a good market.

So i called Wells Fargo and said this is unaceptable, Wells fargo in short simply said take it or leave it.

Now since i feel on hard times i will pay $8336.22 more for this house when today it is worth maybe 60k i owe 107k I asked them about this hope for home owners program and they would not talk to me. I owe the back payments for sure no disput there but i do not expect to pay more money now for the house then when i bought it 5 years ago the money i owe was intrest and should not be costing me more intrest over 30 years.

and Wells fargo if you are reading this i want you to know i am filling complaints with everyone and thing i can.
and since i can not upload photos here for some reason have alook at the actual documents to prove you people are GANGSTERS

Wells Fargo needs to be checked out by the government. I received a mortgage modification and was told by phone by a Josh. I was told to call my payments in to pay them and also that correspondence with the new argeement would come by mail July. August I called to make my payment and was told by Josh, that Wells was going to waive Aug & Sept. payment. So I paid Octobers payment. I have never been late on a payment. I called Nov. 12th to make a payment and was told that I was in default of my contract because the payment was due on the 1st and no grace period. They also said it was in the paperwork sent out on 9/10/09...I never received that paperwork so they were to mail it out agian on 11/09/09. Never received that either. On the 19th I received 2 pieces of mail, one a statement, one a letter of default saying they were calling in my loan. This is crazy! The Senior Rep got on the phone and insisted that I had received the new contract and that their was nothing that coul;d be done. I think that they never mailed out that contract because why would I not send the thing signed back if it was in my best interest? I feel that Wells Fargo wants my property because I owe a lot less than its worth and they can benefit if they get it. DO NOT DEAL WITH WELLS FARGO! I hope that the government looks into these modifications. I have called the SC Senator and I am calling the congressman to complain. I feel like I have been robbed!

I've been dealing with the same thing with wells for about a year now. They been giving me the run around. Have you heard of this company name naca. They are very helpful and can get your loan reconstruct for you so please go to the there web site www.naca.com. Thanks alot for your story seeimg that they are a bush of bull.

I'm an angry single parent, Wells Fargo been giving me the run around for a year now.They trying not to help me they trying to make me lose my house. I dont want that im trying to make ends meet. Wells Fargo is no good I wish I had my loan with somebody else that dont try to wrk with you at all. Every other day I call them and they tell me the same thing that Im still in review I would like to hear so different or good news one day.

I have dealt with Wellsfargo since March of this year and I finally got a letter at the end of October that I'm not qualified for a loan modification. Wells Fargo is cheating it's customers out! The loan process takes too long and at the end all I get is a denied letter. Now my house is too far into the foreclosure process. I'm very dissappointed with Wells Fargo. Never use them again. Will close my accounts all together...! Who out there know what we can do to get this company published so more people will know?

My story is the same, but the difference is that I have been given a new modified loan through the loan modification dept after a year and a half of rudeness, harrassment, and lies, not to mention constant repeating the same story over and over to customer service reps from every state in the union...

The Modification Dept namely the person that supposedly worked personally on my modification STEPHANIE ID # OZ8 said that I didn't send in some important paperwork. She then (without notifying me) canceled the contract that was already signed with the new agreement, the amount of payments behind put at the end of the loan, new % rate, and lower payment that was due Dec. 1, 09. The reason was for not sending in a faxed copy of my divorce papers and a $331.62 payment for costs. Stephanie said that the $331.62 was waved because I told her that I just couldn't afford it at the time. This was in November.. I did send in the divorce papers within minutes of speaking to her. I have proof of the fax and tried to tell customer service that I had sent in the fax of divorce papers and that the $331.62 was waved by phone with Stephanie. I have since sent in a money order for that amount and have sent in the proof of the date that I sent in the divorce papers. It's a good thing that I kept excellent records through all of this !

I was notified after the fact of all of the above that now my home was in foreclosure for not submitting the copy of my divorce...and paying the $331.62 to complete the entire process. I was sent a letter from a attorneys office and talked with the person handling my case. She said that they would be putting the home up for sale in 8 days!

I called H.O.P.E. and had a agent by the name of Ruby go on a three way call to help me get through to someone that could clear all of this up. Remember...Wells Fargo has all of the documents (they found the copy of my divorce papers that I sent and told me to send in the $331.62 to get things back on track...

Loooong story short it is now Dec 3rd and I don't know if I have it straightened out or not//////I was on the phone today for over 5 hours and I still don't have a yes or no answer from anyone there!

I have the money for my first payment that was due on Dec.1 with the contract, but I can't get a answer if I still have it or not...

FOX NEWS and a CLASS ACT LAWSUIT IS IN ORDER for all of us that are being put through this needless harassment and unnecessary emotional trauma. GIVE US THE NUMBERS TO THE PEOPLE THAT ARE HANDLING OUR CASES ! THEN GIVE US THEIR SUPERVISORS NUMBERS...We are all out here losing our homes one after another...Going through the same treatment from your company...andyou are just using the customer service workers as a wall to protect your sorry ###...

If anyone wants to contact me my email address is astoria_jan@yahoo.com I will gladly help to pursue any action necessary to help others out there in my situation. A few thousand of us could make quite a stink using the media...! Fox News would love this story, I'm sure...

Best Regards, Janice L Brown

I have been given the runaround by Wells Fargo for more than 3 1/2 months now. I have an existing 30 yr. fixed home mortgage with them at 5.875%. I've been trying to refinance with Wells Fargo at an interest rate of 4.875%. With an impeccable payment record, a credit rating of 800 and an appraisal that establishes a LTV of 27/62, I thought that I'd sail through the refinance process. NOT SO. Wells Fargo has recently said that they can't go forward with the loan because of commercial space in my condo building. This is the only issue holding up my refinance. My condo is in Manhattan! There should be no surprise that there is one commercial space at the base of my 17-story residential condo. I'm so appalled at the service I've received from Wells Fargo during this entire process. No one appears willing to even discuss the commercial space issue with me. My next move may be to contact my Congressperson/Senators.

Unhappy Loan Applicant #[protected]

Unfortunately, Wells Fargo customer service is terrible. We have a mortgage through this company and it is absolutely asburd the way they run their day to day operations. We have been trying to refi for months, and time after time Wells Fargo comes up with another way to make us waste our time and effort! The customer service reps or "specialists" as they are called are not helpful at all. Everytime you call you get someone different. Each time you get someone different they then transfer you to your "head/lead" specialist who is almost never available. At that point you then wait for days, not hours, for a response- which is usually very impersonal and almost never a live phone call. In our case, I guess it was a good thing that they only responded by email... we've kept a record of their ongoing inconsistencies and poor performance. We have also had one specialist be very unprofessional and call us a "pet" name, rather than referring to us by first or last name. Again, as many others have stated we are very unhappy, fustrated, etc. with their service.

Wells Fargo Home Mortgage completely disregards contract terms with their mortgage administration. While they admistered our mortgage for only twelve months, problems included; failure to send acknowledgement of mortgate payments, failure to apply money's in accordance with the contract, failure to accurately calculate the payoff amout (off by $20, 000), failure to calculate interest in the month of payment in accordance with contract terms, systemic problems with customer service, and a help desk that can not help and is simply an obsticle.

Their refusal to answer questions concerning this include failure to return phone calls and failure to return written requests for clarification.

Started loan mod july 2017 - they have played every trick in the book mentioned on here. Still not modified. $14, 000 in "unidentifiable" fees added. Five payment plans failed - due to wfhm taking the first payment electronic debit from our savings (Which was correct) , then the next payment they try submitting it by paper check withdraw through our "nonexistent" checking acct. They know we do not have a checking. Then, cancel our payment agreement. Finally got proof, getting an attorney - suing the piss out of em asap!

We began the "loan modification" process with Wells Fargo last December, 2017. They advised me that we needed to submit a hardship letter along with our financials and provided me with a fax number and department to send it to. On January 26, 2017 I provided all of the requested information and then when I had not heard anything from them I conacted them and was advised they had not received anything and to resubmit the package. So, once again, on March 23, 2017, I re-submitted all of the information and thereafter a representative confirmed they had received the documents I sent but that it hadn't been assigned to a counselor yet. So, I waited and called again on April 09, 2017 and was advised it would be another 45 days before someone would be assigned to our case. It wasn't until July, 2017 that I heard back from Wells Fargo advising that we had been approved for a Forebearance program, not a Modification, and that we would need to begin making payments at a reduced amount for the next three months with no guarantees that once we completed the forebearance program that we would qualify for modification and we would have to resubmit everything to them again to re-apply at that time. I declined the offer.

We started to have financial difficulty making the full mortgage payment and began to fall behind in August 2017 and Wells Fargo still would not do anything for us so I tried contacting an attorney who, in the end, ripped us off and took my $3K retainer fee and did nothing but lose his State Bar license (Parsa Law Group). So, we are now in October and I still do not have a modification and I'm three months behind on my mortgage payment!

Wells Fargo finally contacts me on November 03, 2017 and advises that they are willing to do a temporary modification which would only reduce my payment by $400.00 per month, it would only be in affect for up to 5 years, would not include any late fees and would not change the terms or the interest rate of my loan. At this point I am beyond peeved and I tell the lady I need to discuss this with my husband and attorney to decide whether this was the best course of action. She advised that this is the only type of program we will qualify for and she provided her contact information so that we could give her an answer. I called her on several occassions thereafter with no return phone call and when I did reach someone I was advised that my loan was now not in loss litigation but in the collection process and on its way to foreclosure. The representative, Candace Turner, had taken the offer off the table without notifying us and turned our account over to collections, nice...

November 06, 2017 I contacted Wells Fargo agian to try and negotiate the terms of my modification and was advised that they could not reinstate my request for modification but that I would have to re-submit all of my paperwork, financial documents and hardship letter again for it to take effect. I was also advised that they do not accept partial payments on past due accounts and that I needed to hold onto the money since I couldn't afford to make a full payment.

I also contacted the Home Preservation Foundation or Hope hotline as well that same day and received some assistance but basically that is a bunch of B.S. as well because they have no influence on how Wells Fargo treats it's customers.

At the beginning of December (12/03/09) after contacting Wells Fargo again, I was advised that we qualified for a temporary forebearance but that our payments would remain the same as our current mortgage payment, WTF! Do they not get that we are in hardship, barely able to make the monthly payment and past due because of the current monthly payment. So, they say the same old crap that we do not qualify for any other type of program, which we know is B.S. because we previously qualified for two other types of programs during the course of last year. They also tell me that the investors have to review your loan and they make the determination, well on my type of loan Wells Fargo is the investor so that is also a bunch of crap. They have the power to approve us for a Modification which we have been told by several entities we are prime candidates for but they choose not to.

At this point I had no other choice by to accept the terms of the "forebearance" make my 3 unmodified payments and save my house.

I want it known to the public and to any customers of Wells Fargo that they are the absolute worst financial institution in the United States! They are suppose to be your lender and assist their customers but do not care if you lose your house as long as they are getting their money. Yeah, Wells Fargo remains profitable during these hard times and they do it by ripping off their customers and not providing them with any meaningful solutions to their financial problems.

I have a friend that is currently two months behind on his mortage. He now has enough to make one payment and will follow up with another paymnent within a week or so, when his february payment comes due on the first he can make that payment by the 10th..This will catch him up completely, however, one of thier account reps told him he needs to make both past due payments at once or have his loan accelerated or forclosed.He asked to speak to a supervisor only to be denied with the response "I am a supervisor" by the same account rep that took his call. I know this man, he doesnt lie or amend the truth. I have been in collections and lending for over 20 years and to deny a customer that by the way, has 40k equityin his house, an opportunity to talk to a supervisor and correct his acount is absolutley absurd and may even be against the Fair Debt Collections Practices Act. Does Wells Fargo NEED another unecessary forclosure and another unsatisfied Paying customer?
Get with it Wells before you end up Needing stimulus money to keep you from foreclosure. I am asking Wells to PLEASE let this man pay you.

I got one better! We have been going through the same thing with wells fargo since October. So now we have some pretty bad water damage, and the insurance claims adjuster has said our home is unliveable. The give us the check to start repairs, and tell us that if it is over $5000.00 we need wells fargo to endorse the check. HAHAHA. They want us to endorse the check an mail it to them and THEY will decide if the repairs get done or if they keep the check since we are behind on our mortgage payments, or better yet we reach an agreement on a loan modification. Oh and by the way we have 2 children ages 2 and 7. So now we are at the point where we walk away and let them have our home. Clearly wells fargo doesn't care who they hurt or what they do to people who are trying to do the right thing. So wells fargo can have one rotting home to sit on. If anybody has any suggestions we will take them.

On Aug 27/2017, I contacted Wells Fargo in hope to refinance, unfortunally didn't qualify for refinancing due to a drop in home value of $35, 000.00. We had at the point suffered a considerable loss of income approx 30%less, cut in Hrs beginning June 2017, as well as sporadic lay-offs as of Feb 2017 and through out the year. Forced to tap in to our now depleted savings, my wife and I filed for motgage modification on Sept 2/2017, after sending Wells Fargo all required documentions, we waited...In Oct 2017 I sufferd a heart attack and underwent open heart surgery, missed 3 months of work but continued to make payments to WF and was current 'till December 09, when I missed the very first payment.

I did however make the payment for December on Jan 28 2017 and Jan payment on Feb 8/2017.WF Still has not worked out a modification, when I call, time after time I'm told to resend financial documentation, in addition they have placed my Feb payment into a suspended account rather than credit it which would have made me current. I called them to request explanation as to why they're not posting the payment and was told that for as long as we are working towards a modification payments will not post and will continue to be reported as late to credit reporting co. I'm at a loss and have no resources to find out about my rights. if any at this point !My wife and I are close to 60 years old, this was going to be our last home. I have posted this on several complaint websites in hope to bring this Company down, but I can't do it alone...!

I have been in the "modification" process with WF for over 3 months. I was pre-qualified over the phone in October, then I sent all of the necessary paperwork that they asked for to them well before the established time limit. The Trial Period was supposedly for 90 days, or 3 months. I set up an automatic payment for each of the 3 months so that I would never miss a payment.

I have called at least once every couple of weeks checking on the status of the modification process. No one can ever give me any details except that everything seems to moving ahead. With only 5 or so weeks left in the trial period, I received a phone call from a young lady that was reviewing my package. She needed a copy of my P&L statement for my business...one that I had already provided to them. I faxed it to her and have not heard anything since.

Today, with only one week left in the trial period, I still have heard nothing. Yet twice this month I have received threatening letters from WF about my loan that is in "default". I have made every payment just as WF has required, yet their loan department considers me to be in default. It's rather ironic considering they are the very company that is facilitating my maodification. When I called and inquired about the letters, I was told that those were automated letters and there was nothing they could do to stop them. REALLY? You can't cross reference your customers via a computer to find out that I am NOT in default, but have made every payment as required under the modification process? Instead, you send out a threatening letter, upsetting me and my family when we are already under enough stress as it is. Wow.

So... after I get off the phone today setting up another auto payment because it looks as though the process will go past the 90 day mark, I get a phone call from my Mortgage Councelor...the one that WF and the government required us to meet with as part of the process. When I told her I had heard nothing, she called WF herself. She then calls me back within 20 minutes, telling me that I needed to re-send them everything...my updated financials, another hardship letter, a P&L...all of it. And that once they get that stuff, the process can continue another 45-60 days.

Just what in heck do they think happened since November? I haven't won the lottery! I'm in no better financial shape than I was 3 months ago, and why would they think otherwise?

This entire process is exhausing and so frustrating. I spent two weeks getting all of my financials together the first time and now I've possible got to do it again. I've got a business to run! Why is this so hard?

I I have been getting the same run around. It has been a year now that I have been trying to get a loan modification. I sent the paperwork they requested from me every month and on time. Now my loan is $20, 000.00 late. WF keeps postponing the foreclosure date every month, as long as I fax them paperwork. How long are they going to let me live in my house for free, or how long are they going to keep adding money to the end of my loan, after a modification is in place, I won't be able to afford the new loan payment. I accpet full responsibilty here, I signed on the dotted line etc. etc. etc... WF will not let me make any payments either. They did tell me yesterday though, that I could send them $3100.00 and that would get the loan modification started. Isn't that what I we have been trying to accomplish for a year now? They told me that if I paid that, that there were still no guarantees that I would get the modification. Why would I just give them $3100.00 with no guarantee? That makes a lot of sense! I am so tired of spending hours upon hours on the phone, faxing, asking to speak with supervisors (and being refused) and talking to people who have no idea what is going on or how to put me in contact with the person that does. I am trying to get this handled but at the same time, I am sooo ready to just walk away.

Mine is not a sub-prime loan and still treated like dirt.

After my salary was cut 30% I applied for a load mod. I went to the whole 6 months doing what they ask for the loan. Experienced the run-arounds with reps saying different info like you don't have to pay this month, then you missed your payment on and on and loosing paperworks. They also tried to sent a package for my signature that never arrived - TWICE.

They want to be able to collect as much as they can by doing the 3 month trial gimick which I fulfilled. Today, I called the 800 number again just to check on the status of the package just find out that I was disapproved by a bank I never heard of since the day I bought the property. Even if you ask the quidance of a councelor provided by them does not guarrante your LM. Today, I LOST MY TRUST ON WELLS FARGO. I thought they are there to help every step of the way.

The rep suggested me to do a short sale and they are willing to do that for me. She is so calm of the situation and so heartless that I can sense the devil in her heart.

I am glad I start researching about it and I realized that is another dead end for me.

If you are thinking of doing a loan mod with Wells Fargo, don't expect to keep your house. Save your money. WELLS FARGO WILL NOT HELP US DIRT WITH NO MONEY.

Wells Fargo SOLD my house because they were unable to modify my loan! Reason they were unable was because there are liens/judgments tied to my title. Well.. my county clerks office tells me something different. they (WF) are tying them to me by my name. I faxed them the documents over 5 times. As of April 6 my house was sold. Now.. I don't know what to do...

I guess I'm feeling thr pain of many, but wells fargo told me they were actually helping me with the loan mod they knew of the forclosure sale date and still went along with the forclosure when that date passed. I spoke to the representative that was helping me and he quickly reffered me back to were a started, when he told me to my surprise that he didn't handle VA Loans. Duh! and you knew that when...answer from the beginning. I sent to letters to rescind the foreclosure sale and the fist letter was denied in less than two weeks. Keep in mind the eviction proceedings have now started. the second letter they decided to review and on April 7, 2020 a representative told me that everything was a go they would rescind the foreclosure and would be sending me information out asap! Not so fast, I called back April 12, 2017 and now they are saying it's still in review. I even called the attorneys working for them and they said that they haven't received anything to stop the eviction and I may have 2 to 3 weeks before the sheriff give me the final eviction notice. Guess what now I'm frantically out there now looking for a rental with bad credit and the sad but funny thing is a had the money to pay the debt and attorney fee last month and no one wanted to help...I guess they just want the house to sit here with the rest of them.

Oh By the way I called them everyday to check the status and asked id there is any more information they require to aid in the process, of course they said no and that was the first reason they gave me for the denying the first loan reinstatement...

This company has to be the most incompetent bunch of boobs I have ever dealt with.

Every day I fax in paperwork and every day I hear that they need something different. First they just want a signature on one document. Then they want every page signed and dated. Next they need a different document than the one the person I talked to yesterday said they wanted.

To make a long story very short, please don't use this company! They have stolen money from us, lying saying that we owe payments when we do not. We have receipts showing full payment of everything! They will not allow us to speak to a supervisor, they said they are investigating the situation but we have never been allowed to talk to the same person twice. Each time we give them a name of a person that we spoke to previously they say that they don't know who we're talking about. We have been on hold for over an hour each time and then they cut us off without returning to the phone. If anyone wants to get together a class action suit against them let's do it! These people are robbers! Contact me at dothegospels@aol.com

I agree with this persons trouble with Wells Fargo Home Mortgage, It took Wells Fargo Home Mortgage 3 years and 7 plus months to do the loan mod on my mortgage and then they only lowered our payment .20 cents while they increased the principal balance from $86, 300.00 plus to $109, 117.00 and change. Now I have a $100, 00.00 mortgage on a home that's would not sell today for more than $49.500.00 in Jackson MI.
As far as a clas action lawsuite goes, that's hard to get one going so I have complained to my Senator, US Senator Carl Levin from Michigan, his office is going to investigate Wells Fargo Home Mortgage on my behalf over what they have done to me as soon as I send them all the info I have on the matter.
Everybody needs to call, write or E-mail their Congressmen and Senators over and over if need be, if we all work together and put enough preasure on them and we can get them in front of Congress again with The Congress and the Senate on our side we might be able to stop Wells Fargo and these other big banks we bailed out from cheating us and steeling our homes altogether.
Go to the US Senate.gov and find your reps it's an election year lets put the preasure on them to help us like they should have been doing in the first place. The last time the bank ceo's went before the Senate finance commity they told them they would use the programs that have been put inplace to help us save our homes as a last resort and I'm here to tell you that that is an out and out lie because as we know 99.9 time out 100 Wells Fargo H/M will try and foreclose on you way before you are even told that these options are in place to help you save your home.
Oh and I got and still get the run around with B/S excuses when I called them too, So I completely know and understand all you have and are going through with Wells Fargo H/M.
I'm with you all on this matter, now lets get the feds in on our side.

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These lenders (Wells Fargo in particular) are taking advantage of the HAMP program by deceiving customers. They literally lie throughout the entire process so that they can make money off of your foreclosure. The mass media needs to get on this! This is fraud and it is happening to thousands of people nationwide! They put you on a "three month trial" they tell you to if you continue making the modified payments and submitting your paperwork you will be approved for the mod and done. Throughout several months to even years they string you along telling you to just keep making your payments and we will get you on the mod. They did this to us for 10 months, constantly losing our paperwork. They tell you their will be no fee's while you are on the program. What they fail to tell you or simply lie to you about as in our case is that after the 3 month trial period they put you back onto your original payment - while you are making modified payments that they tell you to make they are tacking fee's and penalty after penalty. You find out (in our case $40, 000 later) when you get the sudden foreclosure notice on your door that your loan has been penalized the whole time you were supposed to be on a modification. They then tell you you have been kicked off your modification and you have a few weeks to vacate your home, when it goes to auction. They auction your home at a fraction of the price owed and then are reimbursed for the remaining amount by the government. They then come after you for the back fee's and penalties after everything you have gone through. They are taking advantage and making money off foreclosure's, the more money they get out of the loan, the more money they make from the government. The gov. is encouraging and supporting this. This is pure, outright fraud by the people that are supposed to be protecting us! These lenders are pure criminal. This needs to stop!

This has to be this worst mortgage company out there. They bought out my mortgage from a company I was very happy with, and I have been unhappy with them from day 1. It seems every few months they come up with some kind of reason to raise the mortgage payment, which is supposed to be a fixed one. Then they have their insurance crap. According to 2 of my insurance companies, Wells Fargo is the only Mortgage company that requires that flood insurance covers the entire amount of replacing the house from the ground up. I have people ask me everyday about financing a house and I tell them to deal with any company out there besides Wells Fargo. That I would not even deal with a company that has anything to do with them. We are in the process of having our house refinanced just to get away from them. They are nothing but a huge rip off company, that should be put out of business.

My clients, tried to refi with Wells Fargo, to no prevail..they were forced to sell their property, I had reduced the property since listing it until we had a good buyer for the property. At this time the property had fallin into foreclosure statis. We had a fully approved buyer for the property, to where Wells Fargo would have been paid in full and my clients would have received about $5000 from the sale. I requested a postponement on the Trustee Sale from Wells Fargo, so as to close this transaction and pay them in Full, all I needed was 4 more working days. Instead after many faxes to WELLS FARGO and many phone requests they ignored our requests and foreclosed anyway, however the property reverted back to Wells Fargo, and on the date of the Trustee sale, we requested that WELLS FARGO rescind the foreclosure and allow us to close the escrow, pay them in full and remove the Foreclosure off my clients credit history. WELLS FARGO foreclosed on this property because it had equity, but has allowed many to live in properties for over a year with no payments if it has no equity. My client retired from the Navy after 20 years of service, and found no JOBS in San Diego..I have struggled with WELLS FARGO on this matter for over a month, and get no respond and no help. I am tired of talking til I am Blue in the face with the idiots they have answering their phones. NONE OF THEM KNOW WHAT THEY ARE DOING. Who else can I complain to...