Wells Fargo review: loan refinance 380

They cashed Feb car payment but applied to the wrong account. I sent them copys of the canceled check. they just finaly applied payment to my loan. But still charged me late fees. Bad customer service. DON"T GET LOANS FROM THEM!

Wow. Wells Fargo has been calling me for several months now offering me this "Rush 3 step refi" with "zero costs" and a promise to lower my interest rate by 1.5%. Sounded to good to be true so I decided to do some Google research... glad I did. Looks like I'll be dodging this bullet and looking into refinancing with a local bank or credit union like I had originally planned.

Moxhi, , , , you BETTER be scared... WELLS FARGO STOLE OUR HOME!

I had to make a payment late during the brunt of the recession due to the fact that my employer cut 3 weeks of pay. Told Wells Fargo IN ADVANCE, , , , , all they could say was "you'll be in default" which is EXACTLY WHAT THEY DID! Then when we tried to get money from our 401k to make current., , , they refused to provide us the necessary documentation. We have TRIED AND TRIED to work with them... then SUPPOSEDLY they were working on a mod for the 3rd or 4th time... we hadn't heard from them so we called... "Oh, , YOUR house, , , , ? It was sold last week"...

NOBODY cares... NOBODY will do anything... the courts don't care... We hired a law firm in Florida, , , KEL, , , , they have their money now so they don't care... So they got 8 years of payments, , , about the original value of the house, , pretty close... billions from the government and NOW they'll sell the house AGAIN! This isn't double dippin''' They're TRIPLE DIPPIN', , ,

RUN, , , , and just be sure to SEND WELLS FARGO MORE TAX DOLLARS!

I am also a victim of the Wells Fargo refinancing fiasco. My wife and I have excellent credit and they gave us the run around twice. We tried to get them to give us a lower rate and the mortgage consultant was very much uncooperative and un responsive. WF is not a friendly organization that truly cares about their customers. I would clearly recommend that everyone should drop doing any type of business with WF. I have advised all of my friends and family not to do any transactions with WF and close any and all accounts. I finally found a great organization that took the time and operated in a very professional manner. They were Roundpoint Mortgage Company. They have been terrific and I close with them this Tuesday. It took one month to do the paper work and close. What a wonderful experience.

Followup to my comments of 18 days ago: I went ahead and filed a complaint with the Comptroller of the Currency. They sent me a letter stating that they have asked Wells Fargo to address my concerns and that I should be getting a letter directly from Wells Fargo explaining what happened. I have not received anything from Wells Fargo. I am requesting that they refund the $609 that I paid for an appraisal and HOA certification.

To recap my situation, I met with Mr. Michael Salmon on July 20, 2010 for the purpose of completing several Relationship Change Applications following the passing of my wife earlier that month. Mr. Salmon strongly recommended that I refinance the mortgage for my property and referred me to Mr. Michael Dullea. I believe that Mr. Salmon and other employees at Wells Fargo receive some sort bonus pay for referrals to the mortgage department.

On July 27, 2010 Wells Fargo billed $509 to my MasterCard for an appraisal. Mr. Dullea said that I needed to pay this to get the process started. Mr. Dullea filled out the loan application on his computer and I signed it.

A few weeks after they took my money I returned to the Bonita Pointe Branch to check the status of my "refinance" and they acted as if they didn't know who I was. I should point out that I had been doing business there for almost 20 years and Wells Fargo holds the mortgage for my property. For months I was subjected to all sorts of nonsense and received emails from different Wells Fargo loan officers requesting information. I was required in some cases to provide the same documents two or three times. It was truly absurd and after months of this, I received a one page, unsigned form with a box "checked" indicating that my loan was not approved.

I would have to be crazy to stay with this bank. I will close my Wells Fargo checking and savings accounts and go to North Island Financial Credit Union.

I have had it with inept Wells Fargo customer service/phone bank reps--areally WellsFargo in general! Been with WF since the 80's but the WF's 800# (or any other WF dept) I get unknowledgeable, inconsistent, and uncaring people with attitude (usually the women..). I complained 4x - only to be lectured about by "executive level" phone bank gals. Discusting. They dont listen or care about customers. BUT they get their paycheck. I was given 2 DIFFERENT mailing adresses (to mail complaints to CEO levels-since the verbal complaints I gave (and promised someone will call me..) - (SF or Charlotte, NC...) ? I dble checked with 2 diff. phone #'s given- no one heard opf NC...VERY inconsistent, attitude, and NO help. A WASTE of time. Where do they get these workers? That is the problem with American nowdays-no quality people. They dont train them consistently or properly.
WellsFargo acts like a 2 star bank. But the executives are making tons of money--why?
I may take all my $ out. There are at least 50 diff. phone #'s on the online banking site-none provide help. The email addr. only sends back a cookie cutter email -to call the 800 # ! What a joke. I never did get help with all the calls I made.

I have 2 account in Wells Fargo the different between account is just 2 numbers 1 and 7, every month my payment go to just one account, the bank charge me late fee for the other account /missing payment, first i had to find the problem, still they cant fix, every single month I'm mad explaining them the problem.Bunch of idiots not educate people.They ignore me because my accent, some din't even liesen .some hang up on me.i really don't know what to do.I cant attach photo -personal account

I been a wellsfargo customer for about 2 to 3 years. I have a home mortgage and an auto loan with them. I have never been late, always on time and more than minimun payment. I called them for several weeks and tried to get help by lowering my payments because of recent job lost and low income coming through unemployement. The mortagage part are not willing to help and I had to go through a different route. Nacca is a company that fights with banks to lower your mortagage payment. The car loan is impossible to lower the payment and they dont care if you lost your job. I looked at other companies that had helped their customers by lowering their payments by $50.00 a month. Thank you wellsfargo and defenetely telling me people that you guys dont care for customers and looking for a better company next time.

Actually, I had a wonderful 1-2-3 Step refin with Wells Fargo October 2010. EVERYTHING went 100% smooth. I had a stack of paperwork to read through...but years ago I was a realtor in PA so knew the 'drill'. We've been with WFHM for 15 years now. I would highly recommend them to anyone. So very sorry to hear of all these complaints. They had a rep as a good company back in the 1990's & early 2000's when I was an realtor. Sounds like they need a Complaint Department that really help with problems...not sure what kind of people are there now! Greater Memphis Area, TN

My wife and I decided to change our checking account away from Wells Fargo. When the automatic deposit stopped from company it didn't stop Wells Fargo (after getting a ton of Fed (aka our) money) from continuing to charge our account NSF fees and pay accounts like LA Fitness. After $300 in their fees and $200 in payments to accoun ts we were now paying from our checking acct at a new bank. They took their money from our son. A 27 year old, living on his own with a job and his own bills . Wells Fargo claims that they are within their rights - wrong. They are crooks, corrupt and immoral. be careful/ if they are acting within the law; then we now know that Obama or not the lawmakers are in the pockets of Wells Fargo and all of their kind.

Wells Fargo is busy losing my faxes as of 6/14/2011. The lost paper work and request for documents not asked for at the beginning is JUST like so many compliants about wells fargo lying from so many hurting Americans. What can we do to stop this and just get the truth. My quess is you can't bank moral responsibility. A person of mexican descent is handling my HAMP application. Is it possible there is some raceism going on here? I just know i keep getting the run around and and new request for documents that weren't originally asked for. Also, and this is no accident, the person handling my HAMP application works only 4 days a week 2nd shift. That means that, going by my time, all the companies in my area are closing the same time she starts work in California. The result of this is, any document I have to send them is delayed by one more day. They are taking blatent advantage of us. Do something. Time for David to bring down Golioth. I believe the idiots at wells fargo don't think this can happen. Look to the bulshivics and sailors of the Soviet Union before CCCP. It can happen.

Hello I been a wellsfargo customer for about 2 to 3 years. I have a home mortgage and an auto loan with them. I have never been late, always on time and more than minimun payment. I called them for several weeks and tried to get help by lowering my payments because of recent job lost and low income coming through unemployement. The mortagage part are not willing to help and I had to go through a different route. Nacca is a company that fights with banks to lower your mortagage payment. The car loan is impossible to lower the payment and they dont care if you lost your job. I looked at other companies that had helped their customers by lowering their payments by $50.00 a month. Thank you wellsfargo and defenetely telling me people that you guys dont care for customers and looking for a better company next time.

My relationship with Wells Fargo Bank goes back to the 80ies and I had to severe the relationship because of inane practices. I wanted to use deposit money to open a 401k I believe at that time and they froze both my checking and savings...HUH? So I went elsewhere. In the 90ies I bought my home and then refinanced it with Wells Fargo buying the servicing rights and the first thing they did was put a Hurricane Policy over the top of the one I already had in place. They would not replace theirs so I had to cancel mine and take the cancel refund. Insurance cancellations go into your credit history. I'm suspicious of Wells Fargo so I refinanced to get away from them and a better deal. I'm a former mortgage loan officer so I was going to practice what I use to preach to my clients...I stated in escrow and to the title company and my loan officer that I didn't wan't Wells Fargo to be the servicer and I was told I didn't have a choice (I knew about that but wanted to see if I could be different this time)...no chance and then Wells Fargo bought that loan up also. So the financial market tanks the economy...be absolutely certain that the lenders, insurance and investment industry has sunk your financial ship with their inane decision to finance real estate using a tool that works with used cars. I know cause I used to use it and it worked on used cars with less than stable consumers but not on large dollar real estate purchases.
So now the economy disaster envolves my wife and I and I have applied for a HAMP in Feb of this year. These guys are deceitful and fraudulent from my experiences in the financial industry. The complaints here are real and really happening and I went into the process wide away fully aware that I would be reaching out to outside help to get support and leverage to an approval. It is only the approval that I've needed not the crap that has to be waded thru on the way. I just finished sending out packages for complaint to my 2 senators, 1 house rep, local house reps and the file I have that I'm certain will be necessary for litigation. I also sent responses to Wells Fargo Mortgage, Loss Mitigation and our loan officer that their last request for supplement to the Hardship explaination doesn't even pertain to the explaination which has been received, acknowledged and on file for months. The new document has not ever been mentioned from the start as necessary and is "not applicable". I've contacted a west coast law firm which is creating yet another large class action suit against Wells Fargo Mortgage and will contact such here locally also. This is criminal deciet and fraud. Wells Fargo Mortgage states on every phone conversation that the process is their attempt to collect a debt. Actually they are creating the condition and justification for foreclosure and bankruptsy if allowed. We are not back at this time, or late at this time, our credit value is in excess of 830 and that all doesn't matter or support getting help. It is not about you...this is about them. Not laying down and still looking for extra work.

I opened a new account in wells fargo, but they make a big mistake to my address, when i check my personal information, i point out this big mistake directly, a staff Wayne Cheng, says he modify it already, then i leave for home and wait for the bank card mail to me, a long time pass by, i received nothing, las night i receive a Return Mail, it says due to my address is not correct, so the bank card mail has already sent back to wells fargo
my god, how can a bank staff let this things happen, if my bank card fall into the other's hand, or my privacy let out, who pay for it, how can a bank staff work so careless, when i talk with him about this mistake, his attitude is not mild, even a little word "sorry" not said to me from begin to end, what a pity, thins kind of service is really impolite, i think it is the right time to change another bank!

I commented a few months ago saying that based on feedback I've found online I was going to avoid the 3 step refi. Well, I had a change of heart and figured I had nothing to lose (if I got jerked around by WF I was just going to refi elsewhere) so I went ahead and began the process in June. I was told that my loan would close at the end of July pending completion of forms and faxing some paperwork (paystubs and W2s). I did everything I was supposed to do and to my surprise everything went relatively smoothly. The only hiccup was in calling to get some questions answered about the mortgage kit (booklet of mortgage ppwk) and dealing with a couple of rude reps who treated me like my questions were stupid. Rude people in customer service seem to be a growing breed though and are certainly not exclusive to Wells Fargo.

My loan is set to close at the end of this month as scheduled - everything is approved and in place. As for those who are wondering if its truly a no cost refi, they clearly outline the various charges as well as an equal credit neutralizing them in the paperwork they send. There really is no cost to the customer. Everything was done from home except for notarization on the actual mortgage paperwork - they even included a prepaid envelope for sending the mortgage kit back so there was absolutely no cost to me.

I don't know whether or not my experience is typical since the people who have good experiences generally don't take the time to report as often as those who have bad but I just thought I'd come back to toss mine into the mix. To those who are having a bad experience, I hope things get ironed out and are made right for you soon.

The relationship with WFM is severed. My HAMP application is now being handled by Treasury who have made promises...given names and seem to operate out of the same Wells Fargo Office. I got an email alert that my mortgage account on line was unsuccessfully used and now I have to resent password and log on...Just after my first contact with treasury. I'm not going to reset anything at the moment as I am attempting other options including an attorney. This is not a 1-2-3 refinance or straight refinance with higher fees...this is a Making Home Affordable process which has gone exactly as it has gone with other Wells Fargo Mortgage customers who have been in dire straits. WFM has held me off for over 90 days which has resulted in our being in a worse financial condition than as we started. Fraudulent and deceitful. Last contact in writing from one employee was that we had all the paper work in and accounted for while in the same time frame we got a request for more paper work. The size of class action suit is growing. I'm listening.

I had a WF checking account in college, after I graduated I closed it down. Three months later, I began getting statement letters showing a balance of $1.77. I tried to call and cancel, but they said I couldn't unless I did it in person, with no branches remotely close I decided it wasn't a big deal. For ten years I received statement letters showing $1.77 and I tried multiple times to cancel my account which they would not do over the phone. Last November, I received a letter from WF stating that there were two overdrawn checks from my account and two overdraft fees they were expecting me to pay for. Someone had used my account info to open up an insurance policy (not in my name) with a direct payment from my account. even though my account had been dormant for ten years & this would automatically overdraw me they allowed this to go through & didn't tell me until I was over $100 in the hole to them. When I tried to appeal, they would not give me any help because I could not remember my atm password from a decade before and eventually sold off my account to an independent collection agency. The account has now been sold twice more and now I can no longer dispute the charges. I can not understand why WF would allow purchases to come out of a dead account like that and then expect me to pay for their mistake, but seeing some of the other complaints against them maybe they are that incompetent.

I love how personal stupidity equals shady banking. If you would have closed the account properly this would never have been a problem. Where did you get your degree from [censored] U.

Well i recently purchased a vehicle off of a person who was financed through Wells Fargo. So we decided to buy and sent a cashiers check for $**, *** to Wells Fargo well all was fine and dandy until i called to find out if the title had been released. I than found out that $70 was still owed and wells fargo did not notify the person i bought the vehicle off of. So i had the seller call and pay the money. So they take the money out the next day and i think yes finally i am going to get my title and i can drive this vehicle. Well i have the seller call one last time to confirm the release and we find out that Wells Fargo will not release the title until 7 days after the money has been posted. so now Wells Fargo is totally paid off but i still don't get my title. in my opinion i think that is an unethical practice when you pay a large sum of money for something it would be nice if i could at least drive my vehicle

I currently have a Wells Fargo mortgage and received a call from another mortgage company offering a lower interest rate. At the time my rate was 6%. I began the process, but had second thoughts and decided to contact Wells Fargo since I was already a customer. NOTHING went as planned. The same information was repeatedly requested. Phone calls were never initiated by WF - I had to constantly call for status updates. Two and a half months into the process my rep was fired. A few days later an appraiser finally came out. Yesterday WF called to inform me that the value was roughly 25% of what I expected. Needless to say after three months I was back to square one only this time kicking myself for not heeding the warning signs. As my lender why didn't WF offer me a better rate?

I REALLY DON'T THINK IT WAS EVER WELLS FARGO'S INTENTION TO DO THE REFINANCE. I can't wait to move to another company - I don't want to pay them one penny.

Wells Fargo is the worst…I mean the worst company I have ever had the displeasure of patronizing. Their customer service is a sloppy disgusting mess. Rather than to make sure you receive the proper service they would rather bounce you around, waisting your time (the so-called valued customer), never attempting to make your experience on the phone a pleasant one, all just to feed you some BS line that they can’t help you but the other department can but when you get to department that’s supposed to help you they don’t know how to help you either. Funny they will be all over you when they something from you but if you want something from them they all but tell you F..YOU!

Well that’s what I’m telling them F..YOU Wells Fargo, I hope your sorry ### business fails. You suck. I hope someone outs your disgusting scams and shuts your ### down. I hate you!

Wells Fargo is crooked they won't work with their customers!

Wells Fargo recently acquired Wachovia. During the acquisition, all users were required to convert their online banking accounts to the new Wells Fargo system. I have both personal and corporate (C corporation) accounts. When performing the conversion to Wells Fargo, I was informed that when I access my personal accounts online, my Corporate accounts will also be accessible. As a Class-C Corporation, I am just an employee of my business although I have majority voting rights on its' board. I receive a paycheck just like any other employee would. Previously, I had separate logins/passwords for personal and corporate accounts, as is standard data security practice. I was informed by Wells Fargo that they do not support this and my UNRELATED business accounts will also show up in my personal account login. I explained to them that this is potentially a huge data security issue and they stated that there is nothing that could be done.

A few months ago, my PERSONAL online account was hacked and accessed from Mexico--Wachovia (before the acquisition) stopped the hack, and my business accounts were never in danger as they were separate from my personal account. Under this new "better" system, ALL of my accounts would have been potentially breached.

I am appalled that a company who should be as concerned about data security as Wells Fargo would conceive such an insecure system. I intend to close all of my accounts at Wells Fargo and transfer them to a bank that actually cares about data security.

Wells Fargo posted my mortgate payment in another account. I walked in branch showing receipt, statement... and it took them 3 weeks to clear up. Not organized and poor services.

Don’t waste your time with Wells Fargo. I wonder where they get those people, like winners of a contest “worst spelling and communication in the class, the best slacker of the year”… Customers at least deserve to deal with somebody who’s able to build grammatically correct sentences, and also finish them. We applied for a loan pre-approval in the end of September 2010, now it’s mid-February 2011 and nothing is done. A few times they told us that it’s finished, and that they are sending a letter. Never did (probably, not literate enough to write it). Also (probably didn’t like our names) Wells Fargo asked us to produce VISAS!

I had been doing all banking through Wachovia for 15 yrs, and began using their BILL PAY service, when it first became available. No problems – all went as smooth as clockwork. And then Wells Fargo stepped in and nothing has been right in my life since.

For those past 15 years, I had a small Wells Fargo mortgage for a vacation home. I had it set up through Wachovia to pay Wells Fargo monthly – always on time, no worry, just automatic payments. I also had a small home equity loan (usually less than $5000) that was set up for automatic payments of $500 a month.

When Wells Fargo moved all my Wachovia accounts to their Wells Fargo account, I went online and made sure all the automatic payments were still set up. (I have screen captures to prove it!).

When we go to our vacation home, I transfer my home phone to our cabin. A while back, while I’m working on an outdoor project, I get a truly harassing call from the Wells Fargo DEBT COLLECTION DEPT. They say the Home Equity loan has not been paid and that they needed $10 on it. I explain that I am not at home and have no way of getting online and explained that this was set up for automatic payments. They claim it is not being paid. Against my better judgment, I agreed to allow the caller to move $10 from my checking to the Home Equity account to bring it up to date. When I returned home I reset it up for automatic payments.

A few weeks later I get another call on the mortgage payments. I explained this is set up for automatic payments. I voice my concerns about their online payment services. I went online and see two conflicting screens: one saying my automatic payments were to start in August (this is now Sept) and one saying my last payment was in July. Then I see in my history, that the payments were being rejected. The caller doesn’t know why. The account from which they were to be taken never goes below $5, 000.

I go to the bank and the representative looks up my account and assures me my payments are being made fine – not to worry. I show him printouts from by screen showing the two conflicting areas. He says “well, they probably just haven’t updated the screens”. Yikes! I say, how can I trust what I am seeing then? Wachovia’s screens were instantly updated and always accurate. You could trust what you were seeing. Besides – these two screens have obviously been conflicting for a month or more!

I am now getting concerned about my other BILL PAY payments. Is Wells Fargo screwing those up as well? I get online and look over all my bills, but don’t trust what I’m seeing, since one screen still shows my last payment as July and another screen shows automatic payments will start in August. Another screen shows two payments rejected.

I start by calling the number on the web site for HELP. They tell me I must talk to the ONLINE SERVICES DEPT. I call them and they say this is an issue for the LOAN DEPT, so they transfer me. The LOAN DEPT says they do not know why payments are being rejected, but he can’t direct me to anyone who might know. However, they ARE willing to take a payment (of course). In fact, he tells me he will have it automatically debit my checking account if I want and that he will take the payment today and I’ll be all set – which he does. And oh yes, he will waive any late fees. He also would like me to speak to the MORTAGE DEPT about lowering my interest rate, so he transfers me. MORTGAGE DEPT tells my it would not be worth the effort to refinance and pay the cost. OK so far?

The next day, I get a harassing call from the DEBT COLLECTION DEPARTMENT saying I am late on my mortgage payment. YIKES AGAIN! I said NO WAY; it was paid yesterday over the phone and set up for automatic payments. She says she has no record of that and sees no payment. I again am at the cabin, having the phone routed, so I am paying the long distance charge for the transfer. She wants a payment today! I said I will look into it when I return to my home in a couple of days, and that I would like to speak to a senior representative. She says OK she will make a note on my account and will transfer me. I am on hold for 25 minutes before hanging up. (Can’t wait to see that phone bill!). She also tells me I should be getting a lower interest rate. I explained what the LOAN DEPT said and she said “No, you should be able to get the lower interest rate at no charge to you – without refinancing – just lowering the interest rate.” I am now scratching my head on why the LOAN DEPT would not know that.

The next day I get yet another call from yet another person from DEBT COLLECTION. I go over it all again in great detail for the umpteenth time. She wants all my phone numbers (home, cabin, cell, etc) which I provide. I ask for hers which is an 800#. I ask if I can call her there, she says no – they have no way of reaching her, but I can contact her through email (not directly of course – I have to ask someone else to do that when I call the 800 number.)

When I get home, I will be moving all of my accounts (two checking and two savings) to another bank.

1. I don’t trust Wells Fargo’s ability to provide a reliably accurate online services
2. I don’t trust Wells Fargo’s ability to communicate within its own organization
3. I do not trust Wells Fargo representatives to give an accurate description of their own services
4. I do not like their rude attitude and money grubbing ways

I’ve dealt with Wachovia for over 15 years. They were always responsive, polite and helpful to their customers. In return, I was never late on payments and prided myself with being responsible for my financial obligations.

BE WARY OF WELLS FARGO – Watch your accounts closely and double check your statements. Think twice about their online BILL PAY services. They are haphazardly doing business and seem to try to create a reason to charge you late fees and penalty charges.

Oh yes, I also found out that if they take a payment over the phone, they charge you $20. They didn’t tell me that when they were gleefully taking my money. I found out later by accident.

My tenant is facing eviction for non payment of rent, but instead of paying cash as required they submitted a Wells Fargo personal temporary check for payment. I tried to help them by calling and taking it in person to the local Wells Fargo branch to ensure payment and stop the eviction process. There they stated the check is good yet they refuse to pay the check unless I submit to being fingerprinted. I am not a criminal, a very respectable local businessman. Needless to say, i won't be treated like a common criminal. My bank, Suntrust (very good BTW) called Wells Fargo and offered to guarantee my signature for them yet their "manager", who doesn't have even a nametag or business cards refuses to pay the valid check, leaving me with no choice but to return the dishonored check and proceed to evict the foolish tenant who made the error among many of trusting Wells Fargo. Filed OCC and BBB complaints over their refusal to pay a payable check.
Don't make the mistake of trusting this fly by night bank that blows into town, takes over Wachovia, won't honor their checks and apparently can't even afford business cards.

very frustrating, wells Fargo is running a scam .
we tried to refinance our mortgage, we are currently paying 6.25 we have excellent credit rate .They send an appraisal and charged us one thousand five hundred dollars, after couple of month they said they want another appraisal and we have to pay again we backed off.We think that's how their making money by ripping people off thousands of dollars and nobody is doing anything about it.We need to get the word out, someone might listen and do something about this practice.

On April 21st and May 9th I posted comments on this site regarding problems with Wells Fargo. Since then I have written a number of letters to Wells Fargo and the Comptroller of the Currency and spoke with several, higher-level people with Wells Fargo. I have the names and addresses of the bank vice presidents if anyone wants to write letters. Wells Fargo's bank president is John G. Stumpf. His work address is: Wells Fargo Corporate Offices, 420 Montgomery St., San Francisco, CA 94104. His home address is 1090 Chestnut Ave., Apt.12, San Francisco, CA [protected].

For them it all comes down to taking your money and not honoring the interest rate that they promised. They refuse to refinance my mortgage that is already with them and they will not give me a refund of the $609 they took from me. Michael Salmon and Michael Dullea received their commisions as well as the title company and appraiser. Believe me, these people are liars and cheats and will wear you down. Wells Fargo does not have to answer to anyone. The Comptroller is a total joke and will just refer you back to the bank to resolve the issues. I am continuing to fight and may have a large number of "warning posters" printed up and put on cars in their parking lot. For me, it's now a matter of principal, not money.

CORRECTED: On April 21st and May 9th I posted comments on this site regarding problems with Wells Fargo. Since then I have written a number of letters to Wells Fargo and the Comptroller of the Currency and spoke with several, higher-level people with Wells Fargo. I have the names and addresses of the bank vice presidents if anyone wants to write letters. Wells Fargo's bank president is John G. Stumpf. His work address is: Wells Fargo Corporate Offices, 420 Montgomery St., San Francisco, CA 94104. His home address is 1090 Chestnut Ave., Apt.12, San Francisco, CA [protected].

For Wells Fargo it all comes down to taking your money and not honoring the interest rate that they promised. They refuse to refinance my mortgage that is already with them and they will not give me a refund of the $609 they took from me. Michael Salmon and Michael Dullea received their commisions as well as the title company and appraiser. Believe me, these people are liars and cheats and will wear you down. Wells Fargo does not have to answer to anyone. The Comptroller is a total joke and will just refer you back to the bank to resolve the issues. I am continuing to fight and may have a large number warning posters printed up and put on cars in their parking lot. For me, it's now a matter of principal, not money.

I called customer service at approx 5:00 pm on 11/8/2011 and spoke to a "steve" as he refused to give me his last name I cannot provide it here. I explained that my account had been charged doubly for my monthly car payment as well as a couple of other credit card payments. I asked how this occured. He explaine that it was my fault in some detail. I explained what had occured when I was asked to go in and verify my bill pay set up when the switchover occured from Wachovia to Wells Fargo. I explained that the dates were detailed on the page showing when a guarantor would receive payment based on my send date. I adjusted the dates to take into that account so I wouldn't be late on my payments. Therefore I ended up double paying on my bills. I asked him why he hadn't explained this step when he "told" me what I had actually done. He told me "rather impertantly" that it was a manual modification that I chose to do. I explained that based on what I was seeing on the screen and the dates being displayed that I didn't think I had a choice. He was rude and condescending in his tone and his manner. I explained that I would like his name and I wanted to close out my accounts if I couldn't count on WF not to double charge me. He refused to give me his name at all and told me the call was being recorded. I said "good - then you should understand good customer service and that is when a customer ask you something such as your name or to speak to your supervisor that you should comply". He continued to run around in circles telling me that he would explain and answer my question ... I said ok .. what is your name ... this went on for some time and to no avail. He finally buckled and told me his name was Steve ... again I asked for his last name and/or his supervisor. He continued to circle around the question and was extremely rude. He finally told me he would get a supervisor ... that took quite a bit of time. A gentlemen came on and in a very deep tone said ... something to the effect of ... "yes ... can I help you". I began to explain about the bill pay miss understanding and got only a couple of sentences in and I was cut off. The loud beeping in my ear was the signal that your organization has some very poor customer service. So this "Steve" was incredibly rude ... I truly believe that the supervisor "whom did not give a name" was a fake. I will be taking my business elsewhere as soon as I can. I am very disappointed in your organization and most importantly in your shoddy customer service.

I am looking at the 3 step refinance mortgage. I am very hesitant about signing a Limited Power of Attorney upfront. Is anyone else feeling this way?

Is anyone else concerned about giving WF Limited Power of Attorney upfront for this three stop refinance? I have never had to do this.

I wouldn't do that if God told me to...and I don't believe that would ever happen either. Giving the bank limited power of attorney is like putting a loaded gun in the hands of your own personal thief. Don't do it...I am trying to foreclose on Wells Fargo and get my own house back free and clear and in the meantime am looking to pull a Temporary Restraining Order on them because of their harrassing phone calls. My God they were one of the banks in the pack of banks that caused the financial meltdown which will go on for ever...Please read back posts regarding these thieves...They're patron Saint and Mentor is Bernie Maddoff.

Don't do it please...!

If you write letters to the Wells Fargo Corporate Offices your letters will be only be read by clerks and will never get through to the corporate officers. Many of the Wells Fargo corporate officers have several, million dollar residences. Let me provide some home addresses of these Wells Fargo corporate officers. It's better to write directly to them. I am starting to get positive responses now.

Mr. John G. Stumpf
1090 Chestnut St., Apt. 12
San Fransisco, CA [protected]

Kevin A. Rhein
9295 E. Corrine Drive
Scottsdale, AZ 82260

Mr. Mark C. Oman
8609 Horton Circle
Urbandale, IA 50322

Mr. Mark C. Oman
1588 Burr Oaks Drive
West Des Moines, IA 50266

Mr. Jerald Banwart
2625 82nd Street
Urbandale, IA 50322

Mr. Jerald Banwart
1743 NW 122nd Ct.
Clive, IA 50325

Mr. Jerald Banwart
16720 Aurora Ct.
Clive, IA 50263

Mr. Timothy J. Sloan
1957 South Euclid Avenue
San Marino, CA 91108

Ms. Avid Modjtabai
238 Evergreen Drive
Greenbrae, CA 94904

Ms. Avid Modjtabai
4 Rock Road
Greenbrae, CA 94904

Carrie L. Tolstedt
5420 Sur Mer Drive
El Dorado Hills, CA 95762

Cara K. Heiden
2911 Timberline Drive
Urbandale, IA 50263

Cara K. Heiden
12911 Timberline Drive
Urbandale, IA 50323

Cara K. Heiden
4116 82nd Street
Urbandale, IA 50322

Wells Fargo is truly an evil bank! They bought Wachovia that was a great bank and ruined it. They have been charging me $10 per month fees for a savings account I told them to close many months ago while paying zero interest! Wells Fargo is a bunch of criminals and should be put in jail for theft! They have the worst customer service! JP Morgan Chase is 100X superior and I highly recommend you avoid Wells Fargo at all costs!

Wayne Gorsek

I had the same thing happen. Once they get the appraisal fee, and any other fee they can get out of you, they will forget who you are. Wells Fargo is not interested in lowering the interest rate on a Wells Fargo mortgage when they are already receiving mortgage payments. It is fraud and theft.

I just closed a 6 figure account with Wells Fargo today and the bank officer did not care! Since Wells Fargo took over Wachovia, the service has been horrendous. The bank officer in the Syosset, NY branch gave me incorrect information so when I went to Florida to specifically take care of business for my mother's account; I could not complete this business. In addition, the bank changed the type of account my mother holds (obviously the woman on the phone wanted her brownie points and commission). When my mother called the bank to change the account back, the CSR said this could not be done over the phone. So Wells Fargo can change her account over the phone without permission but cannot bring the account to its original account state over the phone. She also will be closing her account. You work hard for your money - make sure you place your trust in a banking institution that deserves and appreciates your business.

Trying to cash out our Roth IRA for 6 months and they can't seem to cut us a check for our own money.

I called customer service today to get information about a home equity loan on behalf of my mother. Before I even began the process two weeks ago, I spoke to someone at their new loan division [protected]) who told me that there was not a problem that I was authorized by my mother to apply for this loan and we both thought my legal power of attorney status would allow me to do this on her behalf. I had already faxed them the information that they needed but called today becase I wanted the status and an explanation of some of the information. I was denied access to any information online or on the phone. A foreigner who spoke poor English continued to threaten me and said I would be reported to the fraud team. Now why would she consider me a criminal for just wanting to ask a question? It's how she presented herself and continued to threaten me that I was concerned about. She was also rude.

When I got off the phone I went to the bank here in Rock Hill, SC to speak to someone in person. Since Wells Fargo took over Wachovia, the workers are nonchalant, unprofessional or else don't usually know what they're talking about. Rather than giving an apology, the woman at the front snidely gave me the address of the main office in San Francisco. (They and Consumer Affairs, the President, FTC, etc. will be getting a copy of the letter.) From my understanding, this bank was alos bailed out. I need this situation resolved. I'm tired of these supercilious nonprofessional people remaining in business or on their jobs when there re so many Americans out of work who would do it correctly and who have the people skills for these positions. I'm tired of this.