Wells Fargo
Reviews and Complaints

They put me through the whole game for almost 2 years.. .I finally gave up and liquadated the house. I short sold it and am moving on with my life, rebuilding, and staying away from those leeches, WF.. I suggest you do the same...end the nightmare

When I was with Wachovia, I was never charged a fee for using an ATM. After Wachovia was purchased by WF, I noticed that I kept getting hit with these new fees. In the Chicago area, there are very few WF branches so getting to a branch involves going 30 miles out of my way. The only way around paying the ATM fees is to buy something at a store with your debit card and get cash back. Anyway, I am transitioning out of WF because it is a pain to drive out to their branch in the snow just to get money or make deposits.

You people are ridiculous! All these complaints just seem like you're digging for any reason to complain. Just because someone is a convicted felon does not mean they can't have a job. Besides you are an outsider looking in on someone else's life so, you don't know any details about their situation. You are only asuming what happened to them and for you to throw that out there and their name as well, only seems like you are on a personal vendetta against them. You are doing nothing but, spreading slander about situations you have no idea about, and only making yourselves look ignorant. You are only blaming him for your lack of balancing your own finances. If he truly did this and there was SUFFICIENT evidence then I'm sure he would have been arrested since, I'm sure Wells Fargo is federally insured therefore, it would have been a federal crime resulting in a definite arrest. Also, most online shopping I know of asks for card numbers and the security code for shopping which is not on a customers bank account. Besides he would need more information to know for sure that it was your husbands account considering many people have the same names so it would take time to figure it out with just a name and not any other information. So, keep your ignorant mouth shut because your ignorance is what ruins this country.

Not everyone who has a conviction is a bad person. That is a big mistaken belief. Those people getting hired are probably better people than you are. I'm sure you have broken the law many times, you just haven't been caught. So, please don't be talking ### about other hardworking people and get a better job yourself.

People deserve second chances!

Securely post your proof on IsItFraud.com. . . our online community will follow up and attempt to put case together for you.

Absolutely true... in a Bethlehem, PA branch, they have a gentleman working there since February 2012. He has a bankruptcy, numerous delinquent credit accounts, a foreclosure AND a DUI. and, he's an alcoholic to boot. Obviously they don't care about the character of the people they hire. It says something that this man was jobless for eighteen months, nobody would hire him, but Wells Fargo did. They should be embarassed and ashamed by the type of people they employ.

How can you tell the difference? ALL of Wells Fargo is laden with criminals of one sort or another!

Agreed. There is a Wells Fargo in Santa Fe, NM with a convicted felon MANAGING the bank. That's right, she is the bank manager.

Wells Fargo is the absolute worst. First house I tried to buy had an approved short sale cost for 365, 000. I offered 380, 000 with the expectation they would cover at least 10, 000 in closing. They came back and said they would cover 4, 000 and still wanted the 380, 000. I told them no. I'll do 365, 000 and you can cover no closing. They said no they wanted the 380, 000. The house is still on the market and now will move to foreclosure.

Second house was 409, 000 I offered 414, 000 because I knew it would be worth it. Our appraisal came back st 420, 000. Wells said we should have an approval. However, that was 5 weeks ago and not they said the appraisal has expired. This is after they already gave us a verbal approval. Now they want a new appraisal. House has been on the market for 6 months with no offers but ours. I hate this bank. Slow as hell and worthless.

This bank is the absolute worst! Today was the last straw for me! Not only are all of these employees give different information everytime you call them, add more and more documents needed that wasn't there before, they also lost all the documents I just sent in last week and now they're asking me to send back everything! They are impossible to deal with. I honestly don't know what's going on in that institution when it comes to short sales. All the realtors I know hate working with them. if you can help it, avoid them at all costs! It is NOT worth all the stress and emotional distress. I repeat, it is NOT worth it.

I have a similar issue going on with Wells Fargo at the moment. We started a short sale last year September and it is still going on. We have lost 5 buyers because of the run-arounds Wells Fargo does. I am thinking about seeking legal advice for a Class Action lawsuit for negligence. There is no reason this process should take this long. We have solid qualified buyers but they get tired of waiting. We are very frustrated!

Now I don't feel quite as bad, knowing that this company WF knows how to not short sale a home. The employees are great at making excuses for other employees. Seems all of the employees are trained at covering for each other. There seems to be no one capable of even returning a phone call, even though their policy is to return every call within 24-48 hours. Not once did my personal contact person return one of my phone calls or my realtor's phone calls. They have made this process almost impossible. Makes me just want to let them foreclose on the property and walk away. They have made me cry multiple times on the telephone, they love to belittle me and my realtor. Their customer service department gives conflicting information. Each time I have to call them I get different answers and nothing but excuses. I want to speak to a manager or supervisor and there are never any available. I wish someone at W F would know what they are doing. Where do I go for help?

I have been dealing with the exact same thing. I have sent all the required paperwork more than 4 times...They continue to give me the run around. Always coming back saying they need more paperwork and more letters of explanations! Wells Fargo either foreclose on the property or short sell it! That's your options! It is like they are trying to prove I have money I don't have! I went through a nasty divorce and have lost everything.

I would love for someone to tell me if I can sue them for emotional distress or for what they have put me through and the lies I have been told.

I have had the exact same problem with WF on a short sale, after waiting 3 months and signing a contract at an agreed price, they say they are ready to close except that the want to raise the price at the very end, I stood firm our original agreed price. Now they closed the file, and want to sell for more because they say the house is worth more, yet it has not sale in almost a year.
How I wish I could sue them, beyond unethical..

I am a buyer trying to buy a house that is a short sale held by Wells Fargo. WF had set an approved price for the home, which I came in at on my offer (not less, but exactly on THEIR price). Two months later we are checking on the process again and was told it was 90-95% of the way through. A week later my realtor checks and sees it has frozen in its progress. He is told that WF is requiring a NEW appraisal on the home. We had to wait 2 1/2 weeks for the current appraisal to expire to even order a new one. Conveniently then WF raises THEIR OWN APPROVED PRICE $10, 000 based on the appraisal (that no one is permitted to see). I refuse to come in at a higher amount. This home has been on the market for over a year at the original price with no sale, and they think it will sell for $10, 000 higher. Especially when the housing market in my area continues to decline. The sellers have threatened to let it go into foreclosure and still nothing. I made another offer at the original price and WF said they will not "deal with me". There must be some kind of incentive that WF is getting to let houses either remain as a short sale or go into foreclosure. I cannot see how a bank can continue to operate with all these losses unless there is a kick back of some sort. I have given up on purchasing this home, as many others before me on other homes. Unfortunately, there does not seem to be any recourse for going after WF for their unethical practice. I just know I will not bank with WF (or now Wachovia) in any manner!

We are in the short sale process with Wells Fargo currently and our experience is similar to those above. I feel so helpless.

Dont feel bad. We have been trying to short sale our house with WELLS FARGO for 2 years and 3 months! bk after bk has been filed. Wells Fargo is the worst with short sales. They are slow and do everything they can not to short sale our house to a full price offer and well qualified buyer! They take their time so much and so long that every time the foreclosure sales comes up its too late and we have to file bk for the 6th time now. They will not even extend the sale to finish the close on time. Our buyer has rock solid preapproved credit, but the process is sooooooo screwed up that it may never happen. I would not be surprised if we get to 3 years of NO payments! WE WANT TO SELL NOW. WELLS FARGO IS AWFUL! ITS A FULL PRICE OFFER! WE CANNOT GET IT DONE...HELP.

We went through the shortsale process with WF last year. We relocated and the housing market had tanked to the point that the only way we could sell the house was via the shortsale process. Everything went relatively well, we got a cash offer that WF accepted, and then right at the end we were told the agreement would be terminated if we were not at least 31 days delinquent. We did not understand the logic, but at the same time we had to proceed. We skipped the payment, then WF set the closing date back an additional 30 days.

Now, in exploring our mortgage options, we have been told that we qualify across the board, but the 60 days delinquent on our credit report is keeping us from qualifying. Further, multiple sources, including information from Wells Fargo online, have told us that we absolutely did NOT have to be delinquent. We knew there would be consequences to missing the payments and were furious that it was "a condition of approval". Now we find out that we were lied to.

I wish there was a way to get this taken off our credit report. We never would have missed those payments without their instruction to do so.

this is going on with me as well. It has been 4 years of broken promises and lies by wells fargo. Because of them i was unable to qualify to refinance my mortgage, and i was forced to sell. Now living in a rental as a result. Wells fargo is ruining my life!

really i paid it.. i hear ya loud and clear, and i'd ignore this comment by RMS if you notice he only uses this site to advertise his/her company by spamming these canned commentaries and such..

much luck too you.

Below the dashes is the text of a letter I sent to Wells Fargo and United Guaranty today:

Justin Young
Home Preservation Bankruptcy Specialist
Wells Fargo Home Mortgage
Fax: [protected]

Michael Dearman
United Guaranty
Fax: [protected]

Gentlemen:

Are you completely brain dead?

For nearly two years, you have been grinding out auto-generated mailings holding out offers of “help” and “assistance” regarding Wells Fargo Mortgage #xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

In early 2014, I filled out and returned your mortgage assistance forms and began trying to talk with each of your organizations on the phone, through email, fax and snail mail. It is as if I have never actually communicated with a real human being at either Wells Fargo or United Guaranty because the paperwork just keeps flying with no acknowledgment of the real situation on the ground here at < address >.

Lost in the blizzard of auto-generated mailings, forms and robocalls from half-a-dozen clueless “Home Preservation Specialists” is this basic narrative:

FEBRUARY 2014: I knew that there would be a fall-off in my small consultancy's business and I contacted Wells Fargo with a simple question: Could we work out an arrangement that would permit me to make a lower mortgage payment for a short period while my income was reduced?

Wells Fargo's response in essence was, “We can't do anything along those lines until you are 90 days delinquent on your mortgage.”

MAY 2014: I submit a loan modification request. I encounter denial after denial. Eventually Wells Fargo agrees to reduce my mortgage payment by $75 per month (which is equal to the amount that it would have gone down anyway with the end of mortgage insurance payments).

JUNE 2014: I begin to tell Wells Fargo with clear and plain English communication: I cannot afford to make the mortgage payments and if we can't negotiate a reduction, I will be forced to file for bankruptcy.

No response from Wells Fargo that indicates it is even vaguely aware that I'm about to file for bankruptcy.

JULY 2014: I begin receiving big information packets (over time I will receive at least half a dozen of the same thick packets) from United Guaranty. I contact United Guaranty and I am told there is nothing United Guaranty can do for me (this despite all of that “we're here for you” language in the mailings).

AUGUST 2014: I tell Wells Fargo by letter, fax and phone that I am searching for a good bankruptcy attorney. Wells Fargo's auto-generated and duplicative letters that are not at all responsive to my individual situation keep coming.

By the fall of 2014, I begin working with a real estate agent to see if we can sell them home so that at least part of the mortgage can be paid. Wells Fargo seems oblivious.

SEPTEMBER 2014: I hire a bankruptcy attorney and file for Chapter 7 relief. By January 2015 my debts have been discharged, and I am no longer personally liable for the mortgage payments.

We did receive one decent offer on the house from a buyer, but Wells Fargo diddled and dawdled around and after months went by, the offer was withdrawn.

In the meantime, auto-generated mailing after mailing after mailing continued from Wells Fargo. These mailings seem designed to bury any real communication under tons of forms and jargon and legalese.

Amazingly – just astoundingly – on March 30, 2015, Wells Fargo sends me a letter asking me to complete and send in a mortgage assistance request JUST LIKE THE REQUEST THAT I SENT IN A YEAR EARLIER.

Here's the plain English reality as of today:

Had anyone at Wells Fargo actually paid attention to what I was saying in early 2014, I might still be making payments on a reasonably modified mortgage today. Instead, because Wells Fargo's intransigence forced me into bankruptcy, Wells Fargo will never see another penny from me. It's your house now. Good luck with it.

Forever committed to telling this story to the world,

Steve Kline

I wish I had gone to this web site before I began to try and modify the terms of my loan with Wells Fargo. I began trial period payments 6 months ago ...and now after having waited and waited and after numerous phone calls (including Presidential Services..where they have a special complaint dept)...I have now been told "the investor..(Freddie Mac) has told Wells Fargo...I didn't qualify. So now I'm told to wait some more...to see if Wells Fargo can come up with something..but they can't tell me what options are available. I was under tremendous stress before I reached out for help...and the stress of playing this waiting game for month after month ...only to be offered nothing is an outrage! Shame on Wells Fargo for not putting their customers first! This is a bank which lacks integrity and ethics! I never would have conceived that any company could think that it could treat its customers so poorly and think that it won't affect their bottom line.

About 2 months ago I applied for the government's Home Affordable Mortgate Program (HAMP) with Wells Fargo. About a week after I sent them the first package of information, they asked for more information; specifically, proof that I will receive income for 9 months. My EDD unemployment insurance claim year ends in August, so about 2 weeks ago Wells Fargo said I wasn't qualified for the HAMP. Is this correct; that is, does HAMP require proof of 9 months of income? This seems counterintuitive; that the worse off one is, the less likely one can get mortgage relief?

Wells Fargo also told me that they were working on other loan modification programs. They waited until last week to they tell me that I must first be removed from the HAMP application process, and that I must call them back in one more week to apply for another loan modification program. If I have to be off the HAMP before they can work on another loan modification program, they should have told me that the moment they determined I wasn't qualified, rather than waiting almost a month.

Wells Fargo is dragging their feet, so that they can keep get full mortgage payments out of me.. I've been laid off for over 3 months, and I have been paying my mortgage on time, even though I have had to decimate my savings; it's as though they want me to spend all my savings before they'll give me relief on my mortgage.

I've even been told by some people that my loan modification might have a lower priority BECAUSE I pay my mortgage on time. I think people like me who are not delinquent should have higher priority that those who are. I think I should be rewarded because I'm not delinquent, rather than punished. It's as thought they want me to harm my credit rating by being delinquent, in order for them to give me relief on my mortgage. Do they want to force me to lose money on a short sale? Do they want me to destroy my credit rating for 4 years by walking away from this morgage?

I called Wells Fargo last August to inquire about the Make Home Affordable Plan, was told they are not ready for the program. In the meantime 13 units foreclosed in my condominium project, mostly Wells Fargo Mortgages. As of today Wells Fargo is selling $ 130, 000.00 properties for $ 39, 900.00. They have totally dimished the property value of the paying homeowners here in Greensboro, Ga. Was told by a Wells Fargo representative that the homeowners here do not qualify for HAMP, because of the drastic value reduction.
All of the homeowners here are ready to walk away from the properties, loosing not only a substantial down payment, but also the place they live in.
WELLS FARGO, YOU HAVE DESTROYED EVERYTHING WE HAVE WORKED HARD FOR. IS THAT HOW YOU ARE DEALING WITH RETIREE'S AND HOMEOWNERS IN GOOD STANDING WITH YOUR COMPANY.

WE ARE ALL CONTACTING THE STATE ATTORNEY GENERAL IN GEORGIA TO FILE A COMPLAINT AGAINST WELLS FARGO.

WE WANT TO FILE A CLASS ACTION SUIT AGAINST WELLS FARGO AND FANNIE MAE, IS ANYONE INTERESTED, TO STOP THE FRAUDULANT, UNETHICAL PRACTICES OF WELL FARGO HOME MORTGAGE.

I'm just tired. I've got nothing left to give this process.

If everybody that is having a problem with WF would file a complaint with the Banking Commission, maybe we could get heard.
It certainly isn't by chance that this is happening throughout the country to different people. Perhaps also contacting our Representatives would be good. They are the most likely to have a vested interest in serving us, I think.

I will tell you that I stupidly tried emailing the President, yea, Obama. What a joke! They have automated mail scanners or the like because their response to me was so generic, not at all addressing my concerns. When I sent the second one expressing this very thought, I never got a reply. If it's not in someone's political interest to take this on, it won't get addressed.

Unfortunately, I have to say that I am disappointed with our nation. USA. It used to be "Of the people and For the people". Now it is only for the politicians and those who have money or contacts with either.

We too are experiencing this! They take forever to reach a decision and when we don't send in paper work the same day they tell us we need to re enroll! Im approved for the HAMP program and made all the payments and had trouble getting one thing in and they release me from the program and have me call loss mitigation! WHAT THE HELL IS UP WITH THIS DAMNED COMPANY.

I too, have been going round in circles with WF, current til I found out I would be losing my job, then proactively tried to get a mod. Their idea of modifying your loan if putting you on the forb. I have been trying to get the HAMP, and they keep asking for paperwork over and over, finally they came up with this forb, with a huge payment due in Nov. No way I can pay that. My credit is messed up now, so I can't even try to go to a refi or something. I am trying to find out how we can fight them. This has been going on since Oct. I told them the forb makes no sense, I think they are hoping that our situation will change, then they can put you back on the original payments, without allowing us what we are eligible for - HAMP. I watched the congressional hearings with them last Thursday and it made me SICK, the guy just LIED, they all did, saying that we don't return our paperwork, our signatures, aren't eligible, etc. They don't even send letters telling you WHY you arent eligible. They are so stupid and inefficient, I don't know how they've been in business so long. On Congressman, really did get on the WF guy, he said that he has the most complaints about them and wanted a direct number to reach this guy when people complain. They are HEARTLESS AND GREEDY!

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

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

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

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

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

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

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

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

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

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

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

WELLS FARGO IS THE WORST COMPANY EVER .
IF YOU HAVEN''T ENGAGED IN BUSINESS WITH THEM, DON'T. THEY WILL SCREW YOU IF THEY CAN.

I am having the same problems with Wells Fargo. I have been jumping through their loan motifcation program hoops since October of 2009. It is now March 2010. They keep losing paper work, One hand doesn't know what the other is doing. I will get a phone call on a Monday saying they need my income updated, I send it in. 2 days later I get another phone call that they need something else. A week later I am told they need more information, the next day I am told again they need proof of income, for 6 months constant phone calls and letters. Getting no where. Noone can get me in touch with someone that can more the process along, asked to speak to supervisors and they won't let me.

I lost my job in 2008, no big surprise. I used all my savings to make my mortgage payments and found a job in about 8 months. 3 years later, in April of 2011, I fell very ill and had to go on disability. I applied for a modification several times and they denied me. I was lucky enough to the Hardest Hit Grant and brought my mortgage current with a ton of Wells Fargo's attorney fees included in that lump sum. I was supposed to receive a modification in return for the government grant that went directly to Wells Fargo. They gladly took the money, which by the way, if I do not stay in my home for ten years I have to repay the grant. HOWEVER, I NEVER RECEIVED THE MODIFICATION.

I hired several attorneys to fight with them, one of which I was paying 1800 a month to stay in my home. When I ran out of funds for attorneys, I tried again with the help of my county home owner’s center. In August of 2015 I received a call from an Andrew Doyle at Wells Fargo admitting to me that after Wells Fargo’s recent audit they had made a mistake and should have given me a modification back in 2011. He would not put this in writing and insisted I provide a digital signature to release them from any wrong doing and he requested I do this without reading the document. When I asked him to provide this information to me in writing he said they did not do that, but he would look into what he could do. I called him repeatedly looking for this document. In fact I called him so many times I know his number and extension by heart, but I never received what he was telling me verbally in writing.

Two weeks ago I received a Fed Ex letter from Wells Fargo saying they had made a mistake in regard to my modification request in 2011, however, due to lack of a response from me they were closing the investigation.

I would like Wells Fargo to reimburse me for all the attorney fees I paid while trying to 1. Receive a modification for my home, and 2. For the attorney I hired to try to keep my home. I paid their attorney fees and they were greatly inflated. How can Wells Fargo get away with not repaying me for my attorney expenses when this was their error?

The last week of February 2016 I received a letter from Wells Fargo offering to sit down with me at my home and go over other options to help me with my mortgage. I called them on February 26th, 2016 and tried to make an appointment. I was told they could not do that at the time I called and someone would call me back by the following Monday, February 29th, 2016. It is now March 6, 2016 and I have STILL not heard back from them.

Everything they have told me has been misleading or an out and out mistruth. They do not want to help me stay in my home. They want to put a disabled woman who has put all her savings and all her income into her home. What is the purpose? My house is upside down and only worth $96, 500.00. I paid $220, 000.00. There must be some benefit for them to toss me out of my home since they would be making more money from me than from someone who may pay $96, 500.00 for it. Not to mention we have so many foreclosures around here they will be lucky to sell it at all.

To add insult to injury, not only have they not paid for my attorney fees due to THEIR ERROR, they have added another approximately $60, 000.00 to my mortgage. So now I have no equity in my home, no reimbursement for attorney fees, and I have to pay extra for their mistake? How in the world are they getting away with this robbery, this horrible immoral and possibly illegal behavior? Sure the government fined them but what about those of us who are trying to keep our homes? Where is any help for us?

These banks have already gotten rich off of us and now they are taking our homes and not following any of the laws provided by the federal government in order to receive the massive amounts of money in the form of grants. It is my opinion they are keeping that money to help themselves. They make me sick. I am so tired of trying to do their job for them, like the modification I should have received 5 years ago! They know I can not afford another attorney so there goes my home and all the money I put into it to purchase it, and all the money I spent on attorneys to try and keep it. It is disgusting behavior and I believe there is a special place in hell for them.

After more than 7 months of delays and unanswered calls, our loan is still pending. My experience is a long string of unresponsive personnel who pass the buck to a multitude of other departments. However, they never actually call the other departments and often do not answer calls.

They sold us a house that they never looked at and had us sign papers without us looking at them and reading them. They had us sign a paper saying we were to deny home inspection when we needed to have it done due to my recent health condition and because we have 2 very young children.

This is the most rediculous run around I have ever experienced. No one there knows what is going on. I have been in laon mitigation review since Feb.o9 andhave not got past square onewith them . Nothing but the run around and they request the same paperwork over and over, You can never speak to the same person you have to go over your situation over every time you call.

Worst customer service I have ever experienced, unprofessional, incompetent and unexperienced loan officers, no one ever answers the phone, no one returns calls, They all need more training. Office should be closed due to poor and unacceptable business practices. Will report them to any and all agencies that can be found. The entire mortgage business of Wells Fargo needs to be investigated.

Hi DebbieRising,

You have rights and they are being violated by WFHM...period. Check out the CFPB's website and here is a link to your basic consumer rights via the CFPB's website ConsumerFinance.gov - http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/. You may also want to visit the FTC with regard to debt collection at FTC.gov to understand debt collection laws and your rights (they cannot harass you or lie to you).

Without knowing the in's and out's of your situation, you DO NOT NEED a short sale and you should qualify for mortgage assistance if you are behind or are in imminent danger of falling behind per the MHA HAMP website MakingHomeAffordable.gov (do not let any lawyers or loan officers above bait you into something you do not need.

We reviewed your complaint on our radio show this morning called "The Daily Complaint" and we put together an attack strategy for you on the show - you can listen for FREE by simply going to TheDailyComplaint.com as you do not need to pay anyone to cure the default and abuses/violations that you have suffered at the hands of WFHM.

Please feel free to contact me if you need additional help as we never charge to speak with you and certainly not to point you in the direction for success. You can fight WFHM and win, just know that, but you must know your rights in order to assert them and the CFPB is an excellent place to start to get educated.

Good luck!

Respectfully,

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com

My husband was off work for a month due to MRSA and I'm disabled. We got behind, he called and asked what we should do. They suggested we put our home up for short sale since we can't afford it. We can but when you lose a month wages its tough. So every other week we were paying 1500.00, the last payment they said was 574.00 so we paid it. All the while kept telling us we were going into foreclosure. Got a call yesterday stating that we owe 98.00 in late fees. They call 4 to 6 times a day, different person each time. No compassion and they don't want to work with you they just want your home. My husband is working 80/hr week just to keep us in our home. Noone will help because we're not far enough behind, but get 3 months and they threatiening to foreclose.

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As soon as you fill the form above, I will send you my loan Terms And
Conditions Asap in order for us to proceed

I was laid off of my job in October of 2008. As soon as the TARP passed, I filled out all of Wells Fargo paperwork for a Loan Modification, as I was entitled to. It has been months and months and every time I call Wells Fargo, they tell me to check on their website, which just tells me to call them. Why did they get TARP money? Why aren't they accountable to anybody?

Our journey with Wells Fargo started with the down turn in the economy and my four way heart bypass. In November of 2008, we started conversations with Wells Fargo, regarding modification of our home loan. We felt that having our home loan for over twelve years and never missing a payment, that we would have little problem getting something done. Over the course of nearly a year, we made countless calls, only to hear, “We are reviewing your paperwork and we will let you know what we will do, once we have completed this review”. After missing three payments, we received a notice, that they were foreclosing on our home and it would be sold on June 6th. After more phone calls, we were told that they could have an offer for us, but it could be as late as the day before our home would be sold. This was unacceptable to us and we were forced to file bankruptcy to save our home. Just three weeks before our home sale, we received a letter giving us a three payment reduction with a new review after the ninety days. Our attorney advised us, not to accept the offer. Time after time, Wells Fargo has requested copies of the same paperwork, Hardship letters, Financial Statements and Payroll stubs. We have supplied this information at least five times over the last ten months. Recently, we jumped at the opportunity to attend the “Well Fargo Home Modification Event” in September at the Phoenix Convention center. I spent four and half hours, talking to Well Fargo staff. The last two and half hours were spent with Lindsey Aekins (Direct line [protected]). I was informed that Lindsey was a negotiator and had the power to approve any changes to our loan. Lindsey told me that she would get us one of two plans and both plans would reduce our $1431.00 payment to under $1000.00. She sent a number of emails and made quite a few phone calls. After two and half hours, she informed me, that she needed information from her office staff in South Caroline and they were gone home for night. This was Thursday, the last afternoon of the three day event. Seeing that, I was saddened by not having the matter resolved, Lindsey said to me “Don’t worry, Mr. Warner, we will get an answer for you no later than next Tuesday”. I asked her, what I could tell my wife and Lindsey replied “You tell her, that your payment will be less than one thousand dollars and it will start in October”. Lindsey walked me to the door and as we were standing there, a young man asked me if I would rate my visit with Wells Fargo. “Would you give us a five out of five?”, he asked. I replied “No, because nothing has been resolved at this point, ” does this kill the deal? We waited to hear from Well Fargo and Tuesday came and went. I waited until Thursday and started calling Lindsey. Over the next few days, I called ten times. Six times, I left a voice mail requesting she call me. Four times, I could not leave a message because her voice mailbox was full. A week of hearing nothing, I called Lindsey at 5:30AM on Thursday, September 24th, knowing it was 8:30AM in South Carolina. Much to my surprise, Lindsey answered the phone. I was very nice and explained to her that it was very important that we get our payment reduced. After spending sixty minutes on the phone with Lindsey, she informed me that she needed to walk over to another building and talk to another staff member about our loan. I offered to stay on hold, not wanting to hang up. She said it was a very long walk and would take quite a few minutes to get there. She assured me that she understood how important this was. She said she would be working late and promised to call me back before the end of day. She never called back and efforts to reach her went to her voice mail. On the afternoon, October 6th, I received a call from Linda Parker [protected]), who said she was a Senior Loan Specialist with office of the President of WFHM. Linda stated had they were dropping my interest rate to 2.6% from 5.5% and my new payment would be $1361.70. I replied that I could not understand why my payment was only lowering seventy dollars. Ms. Parker replied she needed to look into why the payment was not lower and would call me back the next morning. I never heard from Ms. Parker and efforts to call her, only results in leaving voice mail messages.
We are asking you for any help you can provide, getting Well Fargo to understand the impact their actions, or lack thereof, has on people. To me, the way, they do business is clearly heartless and are not in the best interest of the customers.

I worked at Sleazo, Inc. (Household Credit Services) in Oregon. They do all collection calls. We were told that according to state law, that we could call twice to confirm that the number was incorrect and then it was required...BY LAW...to noted as a bad number and removed from the autodialer.

My suggestion is to let them give you as much information as you can get by feigning that you ARE that person. (Usually a "grunt" when they ask if you are that person) You should be able to get a number and/or address. THEN inform them that they have given you private financial information on this other person and that you will report them to authorities in that state for releasing confidential information. Also, you should be able to then send written threats.

Since Oregon Laws are almost identical to federal laws, you should have recourse.

http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act

I loathe Wells Fargo

We also went thru a similar nightmare with Wells Fargo. Being told not to make our payments, to use these payments for our appraisal for a reverse mortgage. Our home was not appraised correctly and values dropped causing us not to qualifyfor reverse mortgage. Now 2 months behind they could not re-finance. We applied for re-modification. After 8 months of 2-3 calls a week to Wells Fargo, never speaking to the same person twice and never being able to speak to a neogotiator. They would never accept partial payment, I was putting our payment aside every month. We got behind because I was 61 yrs. old unemployed and my husband has suffered a number of strokes and disabled. Finally they wanted $6700. (double the amt.due)and they would stop the foreclosure. We would not be guaranteed we would keep our home. We told them the keys would be on the island in the kitchen. We cancelled homeowners insurance since it would not cover a vacant home. They have put insurance on the home charging $1800. double the amt. we were paying. Now they cannot find the title for the home and hired a private investigator to find us and offering us money to sign for a lost title. We sent a fax giving them new address and phone number when we moved. It remains to be seen how many charges we will have added before this is over. Seems like they would have been much better off settling for back payments and not having a home setting empty. The home has been empty since Aug. 09. We took everything we had added to the home of 12yrs. leaving only what it came with. These people need something done to them . I never wish bad on anyone but I hope justice is served and the whole company collapses for what they have done to everyone involved.

they ###ing work too slow .everytime i make them a call to check up my loan mod statuse .the only thing that they said was your loan mod in final review ...think one thing that the ###ing this bank when you behind your mortgage payment or your missed to pay for a couple months .you will receive a phone call from them and they try to harassing your ### to collecting money that you own them or you missed .but when you need them to helping you .they alway disapear ..or never return your call trust me..### you this bank .i think the hook..e...r. are do blow job faster than them work...

Wells Fargo. As soon as I am able to get out of my loan with Wells Fargo the better I will be. They contacted me and my husband to help us. We got up and drove for an hour because that was the closest branch. When we got their the Account Executive asked us why we where there. We told him Wells Fargo contacted us to help us refinance our loans and had set up an appointment with him. He then proceeded to tell us because they were rentals we needed anti-up another 30K a piece on each house. They were not that much underwater. I then asked if I was supposed to ### out the money since I had lost my job. He just stared at me. He then said that we could do our home equity loan as a fixed rate. We said that sounded good. He waid we would have to pay the whole amount back. I said we didn't barrow the whole amount. He said well that is how it is done these days. With all the complaints that Wells Fargo and Bank of America are getting, I hope they both end up going under and if I could I would do a run on these banks. They are making money and own the appraisers, which they are telling them to mark it LOW! What a bunch of crap!

HELP! I did modification with WF and they put my on trial mod turned my $890 payment t0 $625, I paid this ON TIME for 8months, the whole while I stayed in contact with them and was assured everything was fine, this part seemed strange AT least twice A DAY durring the mod I would receive phone calls from WF, I was being autodialed and when I answered the phone a WF rep would pickup and they would say "hey we ummmmm dunno why we were calling you every thing looks fine this is just happening because your in modification" and I asked them on MANY ocassions "why if every thing is ok are yall calling 2-3times a day...ARE YOU SURE everything is ok" ... and another thing, I'd fill out these hardship and proof of income forms and fax them in AND EVERY TIME they would tell me "SORRY SIR WE'VE never received the fax...please resend them, I must have faxed them the papers like 8-10 times... soooooo 8months in to my modification I receive a forclosure notice, I call WF and speak with a rep he then tells me "sir the reason your in forclosure is becuase your making a payment about every month and a half" I then tell him im in modification and this cant be right, after clicking on his keyboard for a few mins he says "OHHHHH i see what happened! you were never approved for your mod, no one from WF contacted you to inform you?" I told him HELL NO no one contacted me . he says "well you were sending in $625 a months so we put it in an account and every time there was enough to make a $890 payment we would make it for you" the whole while I was getting further and further behind... I WAS MISLEAD 100% I cannot understand why they are doing this, THIS IS A HORRIBLE I've did to do my part and make my payments as I was instructed and WELLSFARO is taking my home, I live in Gwinnette County Georgia and there are empty homes everywhere seems like theyd want to keep taking my payments and keep me in my home, I heard the reason this takes place is because WF dosent take a hit, they get paid as soon as i forclose from the government! IS THIS TRUE? IS THIS POSSIBLE? why would the government allow this? I thought the whole idea of the stimulous was to help keep us in our homes! my house is due for sale NEXT WEEK ...PLEASE someone point me in the right direction, maybe there an lawfirm here in Atlanta/Gwinnette area that speacializes in this type on thing, if ANYONE has some insight please help

DATEJUSTMIKE@GMAIL.COM

Im in dire straights ...same crap as most the posts Ive read on here, they put me on trail modification, made my $890 payment in to $625 THEN call me 8months later and tell me my house is in forclosure for not making full payments, I told the rep "Im in modification YOU GUYS told me to pay $625 each month" he says to me "ohhhhh i see what happened you were never approved and we just put your $625 in an account and every time there was enough to make a $890 payment we made it for you" sooooo in the course of 8months with their gorrilla math I owe $12000 dollars and NOW my house is going to be forclosed in 8-10days... AND mind you I spoke with wells fargo AT LEAST once a week and they told me every time "yes everything looks fine just contuinue to pay the $625" AND they asked for these 3 forms that i filled out and faxed in like 8 times and they say they never seen it... i dont know if this is true but I was told that the REAL reason they do this missguided missleading crap is because they WANT to forclose and the government pays wellsfargo for my house! if this is true WHY WOULD THE GOVERNMENT take part in this?its seems counterproductive, I'm lost here! I thought the whole stimulus thing was TO HELP us, , , , , I mean really! how can they do this and get away with it? THEY LIED TO ME to take my house, there are many homes in my neighborhood EMPTY! shouldnt the government/banks want us in our homes paying money to stay in them. I SWEAR if I knew this was comming I would have eaten ramen noodles and beany weanys and scrounged up every dime i had to keep making that $890 payment every month
IF ANYONE CAN HELP ME please by all means point me in the right direction! if it matter my home is in Lawrenceville Georgia, Gwinnette County, maybe there alocal law firm around the Atlanta area that can help me SAVE MY HOME
Datejustmike@gmail.com

I agree that Wells Fargo has a scam going. We jumped through thier hoops for 6 months and did all that was asked of us only to be turned down because our "gross" income is too high. Something I do not believe and that they could have told us in the beginning before they "pre-qualified" us. This whole process is just a scam for banks to take advantage of people already having trouble. Don't trust of believe them, they are not our friends!

The local Wells Fargo Mortgage Loan representative Scott K. promised I would save money by combining my 1st and 2nd mortgages together. Little did I know (until I received my first payment notice) that he had attached FHA loan insurance at my cost of $140 a month to my new mortgage. In hindsight I now realize it was so Wells Fargo would not have to negotiate with me to modify the loan when I went in default because of being over extended on the mortgage payments. They can sell my home in a foreclosure sale (which they are currently arranging) and submit any loss to the Feds for payment through the FHA insurance. LEAVING THEM NO REASON TO MODIFY OR NEGOTIATE A REDUCTION IN MY MORTGAGE AMOUNT OR PAYMENTS. LOST MY HOME AFTER 25 YEARS OF INTEREST PAYMENTS TO THE MONEY GRUBBING THUGS.

Wow! My home is in foreclosure as a result of the modification program. But Incan give you additional info. The first three months of modification is pre qualifying you for the government plan. Once you are not approved, Wells Fargo rolls you into their own internal programs. What they did was raise the minimum income amout to qualify, incentivized it for their employees so that everyone and their brother would apply, then they took out a hedge insurance policy that pays them for every customer who defaults as a result of modification. I was billed for the difference in the mortgage payment times 6 months, was told thatbifnincouldnt paynit thaty house would go into foreclosure if iI didn't pay it and here I am. Inhad a little bit of debt which has now quickly accumulated as well due to the negative rating that Wells Fargo has reported to the credit bureaus. I had no idea that others stories would mirror mine. Unfortunatly, they covered their [censor] and there is nothing that can be done.

I have read what everyone has said and I am not surprised at all to see all of this as I work privately with investors who have very large sums of money held in the Private Wealth Division of Wells Fargo and here's something to read and think about that happens with all banks and I mean all banks! If you are not in the private financial industry this may not make any senses to you but stop and think about this because the US authorities is now cracking down on everyone who has found ways to make millions of dollars the legal way and the government is pissed about it and calling everyone fraudulant.

Read carefully below:

Investors who have hundreds of millions of dollar at any major bank such as Wells Fargo have found a better way for those large investors to make a higher return on their money then what a bank will offer them, they simply rent/lease their funds/money to a company or person who needs to show large funds on their company ledger in order for them to do commodity/commercial deals worldwide, this is called a lease proof of funds (POF) and the investor will lease/rent their funds to the company/person for a period of 60 days at a time and charge anywhere from 2% up to 10% of the amount that the company/person is needing to show on their ledger. And what makes this safe to the investor is that the investor would allow a sub-account or non-depleating account to be opened under the investors main account, also called their master account and this keeps the investors money in their total control but now allows the company/person who leased/rented the money from the investor to now have an account with their name on it with let's say $100 Million Dollars in it. And now this will allow the company/person to show that they have the credibility now to support whatever transaction/deal that they are trying to close or get into to.

Let me show you an example of what I mean. Let's say an oil company has a buyer that has come to buy a large amount of oil from them but they do not have that oil in their own port/holdings the selling company would need to go to a large refinery and order the oil that the buyer has asked for but the seller must show that they have enough money to support their order. Now, the buyer is paying the seller more so this means, the buyer is buying at retail and the seller would get the wholesale price and flip the sale directly to the buyer thus making the profit but if the seller doesn't have enough funds in their account to show that they can afford the order then they would not be able to make the transaction happen at all and thus losing a large profit. Now the buyer has already showed and proved to the seller that they have all the funds to buy the oil so in order for the selling oil company to make a profit they will do what is called a flip sale and now is when they look to lease/rent money from a large investor because they can lease/rent the funds that they need to show the refinery that they can support their order. The refinery normally allows 7 days once the oil has been order to be transported to the final place and also payment. Thus making money now for the investor, the seller and the refinery and now transaction has been completed and money is now made and companies stay in business longer.

Now it's get's better, the government is telling the world that all leased/rented funds also known as proof of funds (POF) are all scams and fraudulant but as you can see above it is a way for the wealthy people to make fast and higher return on their money that is sitting at a bank and they make alot more in those 60 days then any bank would offer them and this allowed a smaller company to start growing but the government doesn't like the fact that all investors normally has a third party also known as an intermediary to do the transaction for them because no large investor has the time nor wants to deal direct with the general public. The intermediary get's paid a commission for these deals and now the government is taking all these intermediaries down and calling them all fraudulant and scammers because they have found a way to work for themselves with large private investors. The government agencies do not like people who are smarter then them or who makes more then them and until the world understands that these are everyday people who are working to make a paycheck, the world will only see everything as a scam instead of seeing the facts with reasons behind the transactions. After all you can do research and see that many attorney's now have given up their practice and have become an intermediary to these type of transactions/deals.

Now what makes this bad with banks is that if someone becomes under an SEC, SS, or FBI investigation, all the banks play stupid and run for the hills and tell the government agencies that these type of accounts (leased/rented accounts) are not real but they are done everyday in the Private Wealth Department of all banks! So, my advise to people who only listen to the news is to do some serious due diligence on when you see that while you sleep that the United States, Government Agencies and Banks are making hundreds of millions of dollars on your money that is sitting in your account as well as they make money by trading your social security number on the international market thus helping to create more bank notes for them to sell to the international world and that my friends is how we got into this mess. The governments love when babies are born as this now gives a new social security number to have a bank note created for and on.

My fellow American's please start looking at what goes on behind the banking world because until you understand how money is really made you will see nothing but what reporters report and that is everything and everyone including all investments in the world must be a scam to all American's because we can now be fooled very easy as our ears and eyes have been trained to only believe what is reported and that is what we have all done. If you would research the international trading market, the stock exchange and the private wealth world on how money is really created, you will soon see that thousands of people have been charged with guilt by a jury of it's peers only because they have been programed to believe that everything is fake!

I was laid off in August of 2008. At that time I had about 160, 000 in the bank in retirement funds. In 11/2008, after seeing the problems in the job market, I began the process of loan modification to get me through until I could locate employment. I was receiving unemployment and tried for the next 6 months to acquire employment. I was 58 and had narcolepsy, and it became increasingly impossible to find work. I was putting my mortgage payments on my credit cards, and with interest rates increasing, was suddenly paying unbelievable interest rates on my mortgage. During this time, I continued to contact Wells Fargo Mortgage. I would get a different agent each time, and it was always the same. They assured me my modification was only 6 to 8 weeks away.

By this time, the requests for the same exact information were astonishing. I faxed out bank statements from the exact months at least 12 times. I was told my file was closed because I forgot to fax one page of information another time and had to restart the whole process. By now I missed one credit card payment and suddenly I was looking at 16 to 29% credit rates on cards. I then began pulling money out of my retirement account, paying all the penalties and taxes. My unemployment ran out and since my credit score was now shot, I attempted to open up my own business. It proved to be unsuccessful, so I came up with another plan, and opened an online store. The concept caught on and I was seeing a light at the end of the tunnel.

All this time I was calling and faxing the bank. All my payments were on ime. I was then told by one agent, that if I were a payment or two behind, the bank would add the payments to the principle of the loan. I began with renewed vigor to pressure the bank into a modification plan. In May, I tried to pay the bank $8, 000, but they would not accept it. When I called the bank they advised me I needed a full payment (I later found out I didn't) and was told it would look better on my application if I paid off my student loan. I did. After 43 + Faxes, I was told the paperwork was in its final stages and any past due and late payments would be added to my loan balance. On July 9th, 2010 I received a foreclosure notice. On July 11th, I received a letter stating help was denied because I was already in foreclosure. I cashed in my remaining savings and took 17, 000 to the bank and demanded to make a partial payment, they took it.

I then received threatening letters from attorneys demanding an additional $1, 951.24, or they would not stop the foreclosure. This was for attorney fees accrued by them for their client Wells Fargo. On August 7th, 2010, I finally contacted the Attorney Generals Office and explained my predicament. Not only did the Wells Fargo have all my money, my credit report was ruined, making it impossible for me to find an IT job with any major company, and I was under notice of a sheriff's sale.

After confirming the bank had more than enough funds to pay off my late balance, which I may add took over two months, and paying the additional $1, 951.24 to the Attorneys, I finally received a letter from an Executive Mortgage Specialist advising they would help me with my loan. I tried to reach this person on two occasions and never received a call back. I also received a letter from the Housing Education Program who advised me they could work directly with Freddie Mac. They were HUD approved and worked with Wells Fargo. After two months, 46 pages of Faxes, I was told I qualified and could have my payments reduced by about $500.00 dollars. What a relief!I was now renting out two rooms and could afford the mortgage, insurance and utilities.

While this was going on, I received notification that i had over $2, 700.00 overage balance in my escrow account! It took some doing, but I was finally able to put this money on to my mortgage balance.

In December, I could not make my mortgage payment. I planned to sell more of assets after the New Year . Also, my business was slow in December. On January 16, 2011, again a foreclosure notice. On January 22, a call from Wells Fargo. "We would like to assist you in keeping your home. Please call Customer Service!"

It's starting all over again.

I have the same story. Wells Fargo acts like the Mofia. I'll enjoy sticking them with my house and filing bankruptcy. Something they could have avoided.

We too have been SCAMED by WELLS FARGO HOME MORGAGE... as well as everyone else we too fell on hard financial times, we were told by wells fargo in order to apply for a mod. that it looks better and they only help the people that are 2 months behind in their morgage... so we fell for that lie and they put us on a temp. monthly payment plan for i believe 6 months? and after it was over we applied for our first mod, they sent us a joke of a mod back none of the payments we had been sending applied to it and the payment were maybe 20 less a month to start another 30 year loan over. we had lived in our home 7 years at the time. we didnt send it back because wells fargo said if we didnt agree dont send it back apply again and it will be a better deal... LIARS that next weekend we went to visit family and when we came back in town, there was a note on our door from the sheriffs office, they were delivering forclosure papers. when we called wells fargo to ask what the heck was going on they said we will not work with you that was your only chance and you did not send the mod papers back, after we told the lady we were told we would get a better deal, she said we dont do that you either sign the mod or nothing.. so after that we 2 months later tried to work out a deal they said you can re-apply for a mod. we did never heard back, then got a letter letting us know of when the auction date was... so then they said we could do a re-payment plan i said no to high, some joke of a deal. then last fri. out of the blue they send us a new mod! wow we were in shock we were less than a month away from the sale date and it was a good deal, so we signed it along with the check that they ask us to include so i call today to check and make sure they got our paper work and they said there was a mix up and they wernt supposed to send a mod to us! i have never herd of anything like that before but dont put anything past WELLS FARGO... what kind of IDIOTS are they do they know what that did to us, but they dont care. they are liars .you never get a hold of the same person when you call everyone tells you a different story and this has been a NIGHTMARE FOR OUR FAMILY...WELLS FARGO IS A SCAM DO NO NOT DO A MOD WITH THEM...

Wells Fargo pulled the same stunt with me! I am a seasonal construction worker in minnesota, so i am off in the winter months. I made all of my payments, but wanted to pay off a few small things before lay off. Thats when i called wells Fargo and asked if there was a way to skip a couple payments to have the extra money to pay off those other debts before lay off, when money is tight. They said yea no problem they can do a loan modification, now this was all greek to me so i took there word for it that was as simple as just skipping up to 3 payments and they would add them to the end of my loan, which in turn would take 3 months longer to pay off the loan. Sounded like a great idea, plus the fact i was told it would'nt cost me anything but to fill out some paperwork. So my next payment comes due and i skipped it (like i was told) and continued on till the next month, in this time i received the paperwork i needed to sign, i continued on and skipped the next payment. This sure helped out with paying off that small debt i wanted to take care of. At this point i though i would get by without skipping the next payment, on this so called loan modifacation. I then call Wells Fargo to let them know i would be making the next payment, and was wondering what elso th do in this loan mod. At this point the person i talked to told me it was going to cast $800 to process the loan mod. (i was told it was free) I explained to them that i only skipped two months like i was told and was not going to pay $800 for the loan mod. when my monthly payment is only $836. I then called back later in the day to make a payment over the phone because my next payment was due in a few days. I explained to that person what was going on and was told i was misinformed, and that it was'nt going to cast me anything. I said ok go ahead then. I then tried to make a payment over the phone so the next payment would be paid on time, they told me no because of the loan mod. OK! The next months payment is coming up and still no word from Wells Fargo, concerned i call them. At that point they told me the reviewed my loan mod. and i was denied because it was'nt in their best interest. Now keep in mind i could of easily made these payments, they told me this was what i could do to skip up to three months at no cost. At this point i was behind three months, i tried to make a payment over the phone when i was told they denied the loan mod. which from the get go sounded like it was a done deal. I was told they could not take my payment because i was 3 months delinquent, so i took the bill and mailed it to them. (that check cleared the bank) Two weeks later i mailed in another payment trying to catch up before the next months payment was due. (that check cleared the bank) I made the next months payment before it was due. (that chek cleared the bank) I heard nothing from wells fargo and assumed i was slowly catching up, hoping at best that my excellent credit would only be hurt a little. The next months payment is coming up and i sold some stuff to get the money to pay it on time, because i am broke trying to make double payments to catch up. I mail that payment, and 3 or 4 days later was served forclosure papers my the sheffif! W.T.F! How can that happen when i made payments and the checks have cleared the bank? I was still two payments behind, but was catching up. The payments i made were for the full amount of my payments, not just a partial payment. And i knew people who were in their house for over a year and never made a payment? So why me? I started making calls, and all i could do to save my home was to pay what i owed, plus charges, lawyers fees, ect. ect. Turns out wells Fargo cashed my checks and never applied them to my loan! (found an employee at wells fargo who was honest, thats how i found this out) They continued to cash my checks and not apply them to the loan till i was behind enough to proceed with forclosure! Needless to say i was able to keep my home, after spending several thousand dollars above and beond what my payment were! (that i could of paid in the first place) No my credit is completly ruined! I would like to sue these scam artists, but have not stooped to their level! So Wells Fargo THANKS FOR NOTHING! mudtruck383@yahoo.com

I just got off the phone with WF after finding out that my loan modification was denied for the 5th time. Each of the other 4 times, I was given various reasons why. One of them was that I did not make enough money! Isn't that part of the purpose of the loan modification? Anyway, I have done everything I could to do what they wanted and submit what they wanted. The first time, I was given a trial plan payment amount for 3 months. I made the payments. The application was denied and I found out that I was now over $1000 past due, plus owed my next month's payment of over $1100. I applied over and over, each time getting denied. I would submit more paperwork as well. I borrowed against my 401K to get caught up on my payments since WF threatened to foreclose. Now, this last time, I was denied again. The reason? Since I had caught up on my payments, I had reinstated the loan and demonstrated ability to pay the full amount. I called Freddie Mac and they they told me that WF has the ability to offer an in-house modification. I have never heard a word about that from WF. I have exhausted all of my resources and believe that I will have to live like a pauper for a while until something changes in my income. In the meantime, I have read many articles and posts about WF alleging that they take the government stimulus money and then give applicants the run around so they can collect interest and also try to keep as much as possible.

Anyone know of a class action suit against WF, or a good lawyer?

We are in contact with a writer at the Associated Press in Las Vegas. We need as many complaints against Wells Fargo and the HAMP program as possible. There are alot of people dealing with this and the more information I can give this guy, the more likely he is to write a story on it. The AP goes to every other media outlet as well, so it would be a big deal.

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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. Journalism excellence is the efforts that go towards helping the people, this is your job, to be the watch dog. This needs to stop! (read less)

Wells Fargo did the same to me - 3 month trial period after 9 months of having them ask me for the same documentation. They called me this morning and said that the 3 month trial is over, that I did not meet the investor GUIDELINES and therefore that I did not qualify and that we needed to catch the payment up within two weeks. Wells Fargo is the worst - it is just a scam, now I'm scrambling to figure where I will get the money to send them on top of my mortgage payment.

Hello...my name is Jason Ferreira. I can help you. Go to www.Prepaidlegal.com/go/jasonferreira

Email me at JF_PPL@live.com with any questions. Have a blessed day.

Their Management team which is their Store Manager Nickie Collier and Manager Yolanda their Teller and Witness reported hateful things about me as a customer to their Corporate Division while having issues and discussions about my behavior with a loud mouth rude Black Older Male customer telling me they allowed to ask me specific things to deposit a check. I cursed the black man out because he specifically kept monitoring what they listening to me bring up to resolve my issues with their normal shady comments they bring up like a person asking where you going every 5 minutes and don't know you from square one. Their employment agency workers act like they were so concern but they discriminated me by allowing the Store Manager to continue to monitor my issues and complaints with the comments they have made and customers joining in to say how they feel with the services being provided themselves. They better get it together because their customer service Bankers and Supervisors and Local Agencies love bringing up my Free Business Account showing in their system as a bad account with bad transaction history when the Bank was Wachovia and I was keeping a active account.

I recently applied for an mortgage loan with Wells Fargo. I knew the mortgage would be difficult to qualify for due circumstances surrounding the collateral. What I had not expected was how rude the loan originator turned out to be. I will admit that I got angry and frustrated and took it out on him and I should not have done so. However, I did not appreciate that he hung up on me. Especially since I never cursed at him or attacked him personally. He did call back and I apologized for my behavior. As I continued my conversation with him it quickly deteriorated again. The final outcome was they were too busy to really need my business. I'm guessing he didn't like the fact that I told him that I didn't appreciate being hung up on and that if he ever did it again I would make sure he did not receive payment on my account. Guess he figured my little $100K loan wasn't worth dealing with because they are so busy. I know was relieved when I withdrew the application. Sad thing that the big boy "banks" don't get that they still need us little consumers to continue operating.

Wells fargo did not disclose information regarding the readiness of online depositis made from another wells fargo account to my wells fargo account. My friends had to redeposit more cash because the online deposit did not post until next business day. After cash was deposited again. I withdrew money. It then said it was negative because really the transaction was pending... It just showed I had cash available! Wtf!16 customer service reps later, I ended up with another complete ### who basically said to bad. And "why should he apologize" awful service.

I recently started getting only 10 hrs a week from my work place and making less then 200$ every 2 weeks. I had to take a loan from the bank as well as a payday advance place. Today I had got a charge from Netflix as well as another service like them when all I had was 2$ balance. Thank god the bank paid my 8.60$ subscription to netflix at a 35$ additional fee and the other subscription which was like 15$ for another 35$ fee, then they charged me a monthly service fee and another 35$ for not having the money for that. I explained my situation to the banker about how I'm just trying to keep my rent paid, the water, electricity and food in my stomach and how hard its been for me and maybe she could do something about the 115$ they now expect me to pay them for being short by about 35$ and was told "We are sorry none of this was a bank error, have a good day and thank you for calling!"

I Had been dealing with Wells Fargo for over twenty-five years then opened a new account where you had toOo maintain a five thousand dollar balance! After a year of this I went back into the bank and opened a new account transferring all the money from that account into the new account! I am anal when it comes toOo recete and have each and every deposit slip along with each monthly statement for every year! This happened in Oct. 2017! Since then I have been back toOo the bank to take care of a problem that they caused! The banker did not transfer my debit card from that account too my new account and was being charged thirty dollars every time I used my card plus I was being billed sixty dollars a month for not maintaining five thousand in that account? I went to the bank manager set down with her, she chewed the other banker out who opened the new account for not changing debit card to new account and for not closing the other account! She then went through and marked up to but said she could not exceed three hundred dollars saying that Wells Fargo would deposit the balance? She then deposited the three hundred dollars back in the closed account this again reopening the account! I have dealt with this banker and up to ten other bankers and nobody will do there job? They started taking sixty dollars a month from my savings account until they drained my savings account of over NINE THOUSAND DOLLARS, then my checking account of over two thousand then sent me to collections for another five hundred! They finally closed the account in Sep 2017? Nobody will help me collect my money? What can I do to get my money back?

Philip Bettencourt
phil1969@sbcglobal.net
[protected]

An associate closed my account without following proper procedures. Each person that I talked to, in the chain of responsibility, said they couldn't do anything as the first associate had closed the account. The branch manager at the Bradley Park branch was rude and condescending. I asked for the name and number of his superior and he gave me a name and number that leaves a message that has yet to be answered after several weeks.

I was on time up to August of 09. I wanted to skip a payment and a rep tells me I can’t until September, also told me I can do 2 skip a payments (For September, October) I call back in September. Some other rep tells me that, I can’t do it till October 09 to call on Oct 21st to do the skip a payment, now I am behind a month on my payments. I get 3 to four cals every 2 days from them because I am late. I tell them that they told me to call on October 21 st. They say, Oh sorry to have called you. I call on the 19 th of Oct. because they called on the 16th 17th 18th and today 19th.

I tell the rep that I had spoken to the Supervisor who told me to call on the 21st and would request skip a payment for September and October. She says no such thing, doesn’t know who I talked to, no records I talked you anyone, and that’s they can only skip one payment September. Not only did I become late with my payments by their doing, she said that no Supervisor would take my call.

I cannot believe that a financial institution does not keep records of what they’re Supervisors tell their customers to do, It completely set my car payment off and now unless i double up a payment will be late a month every month. It’s they’re doing, I talked to 3 different Reps one supervisor and magically no one has records of it. I want them to make me current. I want what they said they were going to do, I do not have the money to double up a payment.

Wells Fargo now has employees who greet/stop you at the front door and ask the purpose of your visit. So whoever else may be walking in-criminal whoever can hear your business.

My mom died and the house burnt down. I transferred the property via the small estate probate and became the administrator. Wells attempted to foreclose while i was going through probate. the loss draft department stopped payment to the contractor by saying i did not have authorization. After I became Administrator they wanted to keep the insurance proceeds and said it would lessen their security interest even though I offered to payoff the loan. I got the the loan contracts and they sold their interest a month after the loan was taken out and the application was not signed by the Wells fargo employee who SUPPOSEDLY took the loan application. They tried to foreclose then cancelled the sale, they are attempting to keep the insurance proceeds and continue to try to tie up the proceeds even though they do not have any interest in the property. I have made a video that i am going to distribute sharing all the information if they dont settle this quickly. I filed a lawsuit against them and have tried to settle but the attorney REBECCA SAELAO of SEVERSON & WERSON has not been cooperative. She told me she litigates for a living and will not settle. Hopefully someone from Wells Fargo will see this and try to help me out.. I have been fighting them over a year and this is going to get worse for them. The insurance company AMERICAN SECURITY INSURANCE COMPANY and their parent company ASSURANT issued a policy in my dead moms name even though Wells knew of her death 2 months prior and that has NO signatures yet Wells Fargo charged over $9000 (NINE THOUSAND DOLLARS) premium on a 860 sq ft house.
It is sad what WELLS FARGO is doing .TAKE YOUR MONEY OUT OF WELLS FARGO BANK! ASAP! Then tell a friend!

I am an Australian who opened a Debit Card account with Wells Fargo some 12 moths ago for when travelling to the USA, I have noticed in the past 5 months they have started charging me a $30 monthly account fee. I have checked the paperwork and online and there is nothing stated about this charge. I have contacted the person I opened this with in Santa Monica and he just tried to justify this charge without showing me where it states these on going fees. I pointed out to him I am getting no interest on my money and they are making money from my money, so why the charge. Along with point out I can get a debit card from pretty much ant bank in the USA for free. But noting and still the charges. Can anyone please advise if this is allowed in the USA or can I take this up with a Government Department? Here in Australia it is not tolerated and we can take up up with a couple of different departments. Appreciate any advice?

My quest for a mort. mod. has been dragging on for 5 yrs., now. The problem began when my mother insisted on keeping her house in her name, even though she lived with me, so when she was diagnosed with Alzheimer's, she was not entitled to Medicaid. We had to pay for her care, out-of-pocket. Then, my husband lost his job. I asked for a mod., b/c we couldn't afford to pay a care facility for my mother, plus our mort. WF turned me down based on my hardship letter- they said I had too MUCH of a hardship. I retained a lawyer, and he hired a retired mortgage banker to prepare a mod. application, after my situation improved. I never heard from WF, and when questioned, they said that they "misplaced" the application.
When my attn'y told them that they violated Federal law by not giving me an answer, I got the VIP treatment. They assigned me a Home Retention Specialist, who applied for a HAMP loan in my behalf. I was turned down. I expected to then be considered for an in-house modification.
But, without even letting my attn'y know, WF's attn'y went to court and got a date for foreclosure. If we hadn't noticed it in the newspaper, we wouldn't have known. I paid the retired mort. banker to prepare another application, according to Federal guidelines, 37 days before the foreclosure. WF sent a letter saying that they would not read my application and were going forward with the foreclosure. Why do they insist on foreclosing, when I've been a position to pay for the house? Between my husband and I, our yearly income is now $100, 000.00 yr., but they refuse to consider anything but foreclosure.

This must be Wells Fargo's policy. Now in 2017 Nothing seems to have changed for the better.

They are still making errors in 2016! I have had to sign and submit the FINAL modification package to them 3 separate times as they "made errors" on the paperwork. Each time I asked if they were going to be taking payments from my authorized bank withdrawal on the specified date and was told NO, they would take the first payment when the modification was completed through their settlement department. Next letter I get, yes, you owe all those payments, over $4K and they don't add up to the amount they were supposed to be taking all along. As of April 2016 the modification was approved, and they still haven't taken a payment per the instructions on the modification. I can't wait to be able to refinance completely to get away from this horror show. My health has been affected by the super stress this caused.

We had a nightmare with WF and I wish I had the money to hire an attorney to close them down. After all I have read surely there is enough legimate paperwork there could be a class action lawsuit to reimburse all the money everyone has been out plus all the pain and suffering it has done to people.

Absolutely unreal, 8 months ago I enrolled, same thing about outside lender, still in review. I can go on and on. I pulled myself out of the program today, and my acount is showing 2 months behind, due to their "trail program" which i completed 5 months ago. They are totally screwing your credit if you get in this so called government backed program. They take your payment put it in a suspense fund and then actually apply the money when they see fit, and making money off of it! Also they so not report to your credit agencies. Good fn luck getting a different loan or trying to refinance, given wells fargos lack of reporting you will not qualify! Regardless of how many people have applied it is their responsibility as a loan servicer to provide their consumers with information on the situation. No one there can give a straight answer and it is extremely frustrating. I plan to speak to my state legislature, and whomever else will listen. If you are in the same situation I strongly suggest you do the same!

Luckily we have not lost our jobs but our mortgage was recently switched to Wells Fargo without us being notified. We make our payments every month by the end of the grace period and they still call us multiple times a day looking for the payment. I agree these banks need to be stopped they dug their own hole and they should not be bailed out. Funny we never had an issue with our mortgage before and we were told my Wells Fargo that NOTHING has changed with our mortgage it is still the same as it was with the previous bank. We are starting to look to refinance which we were really hoping not to since we would like to sell our home maybe within the next 2-3 years.

Does anyone understand that Wells Fargo has millions of loans and that you're loan is not on the top priority regardless of what you may think. Wells Fargo was not prepared for the HAMP and HARP programs and are trying everything they can to get through the stupid homeowners that apply for these programs. First of all, I'm sorry to hear about your job, but you should have never bought a house that you couldn't afford then or 20 years from now. You should have enough money in the bank to afford any and all bills when/if you lose your job or get a cut in pay. You shouldn't blame someone else, especially Wells Fargo, for your problems that YOU obviously can't fix. You should be thankful that you were even qualified or looked at for help with your loan. Your loan is under an investor that has strict guidelines that you may not even be able to get out of. One suggestion, look over your original documents and educate your on your loan. Don't blog about how bad your company is, it adds fuel to the fire and makes you look desperate and sad.

My husband and I are going through the same thing. He lost his job and we applied for the HAMP in April 2009 before we got into trouble. We went through the trial period, no problems, sent in all of the requested paperwork etc. On
Dec. 11, 2009, we received the final Step 2 of 2 Home Affordable Modification Program documents spelling out our terms, etc. signed and sent them back and Wells Fargo received them on Dec. 14, 2009. Sometime between Dec. 14 and Dec. 30, 2009 some ### negotiator reported that our home was vacant and the nightmare started. We have talked to at least 30 folks at Wells Fargo (I call everyday) telling us all kinds to stupid thing, nothing makes sense. But never admiting to their error. You know this isn't a hard job, it is pretty simple, you apply, determination is made that you qualify or not, if you do qualify all the paperwork is sent in, it is processed, new terms are put in place, move on. These folks make it sound like they are doing something so special and they aren't. And they think that we, as homeowners don't understand what we are doing. I hate being treated like an idot. They are just stressing out good hard working people who are trying to save their homes. It would seem to me that we should be able to get some kind of class action suit together and show those ### that they can't screw with honest folks.

OMG ... I AM GOING THROUGH THE SAME THING WITH WELLS FARGO, THEY ARE TERRIBLE . I STARTED THIS PROCESS LAST JUNE 7 MONTHS AGO, STILL NOTHING, STILL FIGHTING . I WAS TOLD I QUALIFY FOR HAMP AND WAS RECENTLY TOLD THERE SHOULD BE NO PROBLEM, WELL AS OF TODAY JANUARY 11 2010, I WAS TURNED DOWN . WHAT THE HELL . OH AND I EVEN MADE IT TO THE OFFICE OF THE PRESIDENT OF WELLS FARGO . THAT HASNT EVEN HELPED ME . GET THIS I DONT QUALIFY BECAUSE I AM NOT BEHIND ON MY PAYMENTS (YET) .

I THINK WE SHOULD ALL MAKE A COMPLAINT TO EVERYONE WE CAN, NEWS, BBB, FEDERAL GOVERNMENT, HELL OBAMA HIMSELF . THEY ARE TAKING MONEY FOR THESE PROGRAMS AND NOT PUTTING IT WHERE IT BELONGS . THEY ARE STEALING THE MONEY .