Wells Fargo
reviews and complaints

I've tried twice to get my mortgage payment down with these people and for various reasons have not succeeded. Wells Fargo is pathetic. I half of my mortgage every two weeks and still get phone calls because it is "late" when it is simply a timing issue. They claim they put notes on my account but I still get calls. I would be embarrassed to tell people I work for Wells Fargo.

We have had our home for over 30 years & down to a little over 30K left to their pay on it. We were with Wells Fargo & here in May it all got changed over to Wells Fargo Financial. They changed my account number. The first time after the change I tried to pay my payment online it wouldn't work. I called their Customer Service & they told me it was all being changed over & they gave me a new account number & that the following month I could use the same info to get online & make my payments. The following month, I get online & guess what I can't make my payment. I try & re register and still can't get on to make my payment. So once again I call Wells Fargo Financial, they can't find my account by my new Account number, or by my old account number or my social security number. so I can't make my payment. They said that they would get back a hold of me as they were going to look in to it. so this goes on for two months trying to find my account. Then I get a letter from them saying I am behind in my payments with another account Number. So I try online again with that account number. Still can't make my payments. So I once again call their Customer Service. The first person could not find my account with any of the numbers & with my social security number and my name. They send me to another person. He finally finds it & says yes here is your account. He takes a payment & waives the feed by phone. We try & get it up on the Internet & guess what it won't work. So he says that he will get someone to work on it & get it so I can get on line to make my payments & will call me. Alls I have gotton is harassing phone calls from WF Financial saying Im behind in payments when they couldn't take payments anyway as they could never find my account. so in 3 mo payments behind I should only be 1250.00 in the hole right - NOT they want over 4000.00 due to NON Payment. What kind of scam do they have going on?

they did the same to me and extended my loan out to 40years
now they are trying to increase my escrow 102.00 per month when the value of my house has gone down 50k of which i am now upside down on my mtg.
do they want the money or the property. I could move into a larger house with a smaller payment thru a different bank...

they did the same to be but got me on a 40 year term now the house i bought on forclosure at 152k i owe 168k this is no relief plan this is a payback the funds the government gave us plan

I'm sorry to hear about the money you were scammed out on. They are many companies that are legitimate and can help homeowners stop foreclosure and keep their homes.

Mortgage Assistance Group is one of those companies that holds an "A" rating with the BBB and has help over 500 homeowners keep their homes.

They give a discount to the homeowners who have been scammed and treat each client with respect and dignity.

You can reach them at [protected] and at www.mag-az.com.

Thanks and good luck,

Randy D.

I was told by a representative Karen Pisaneschi I could trust her. Went to http://pa.courts.state.mn.us/default.aspx AND put in her name. How can you trust someone like that? How can they hire someone with total disregard?

This is almost the exact experience I had helping my aunt. They contacted her to apply for the Making Home Affordable program. She had been late on a couple of payments, but her account was up to date before she applied for the program. She made every payment they told her to make in the trial period, and after 4 months ( and hours and hours on the phone with her & them sorting out all the conflicting information that their computers spit out) they told her she did not qualify and she had to pay over $3000 to get caught back up on her mortgage payments! They never disclosed at the beginning that you had to make up your "trial period" payment if you end up not qualifying. She ended up in a worse position than if she had never applied! And they were the ones that contacted her to apply!

I kept calling and asking questions to find out why she didn't qualify, and they finally approved her. It was either our luck in finding a helpful person, or maybe because I was going to see a lawyer about that $3000 payment they wanted. It's been 4 months since she was approved for the modification, and we still keep getting confusing and conflicting info from them. I keep thinking "thank God this is over" and then they screw something else up, and we spend more hours on the phone to straighten it out.

Their people have been helpful, but they are often un-knowledgeable, and the system is a complete disaster, if not purposely deceptive.

Wells Fargo needs to be shut down. I owe just two more payments on a recent loan and like every one else I was late falling on hard times. They call my house from dawn to dusk. One customer service rep who apparently was a females was rude and disrepectful and didn't want to work with me. They act like people doesn't have other bills to pay. And what really gets me is they want your money but they treat their customers like they're not worth a damn. And they have forgotten that we as the taxpayers had bailed them out at one time and this is the thanks that we get

I want to lodge a formal complaint against one collector in particular who was verbally abusive, threatening, lied to me and refused my numerous pleas to speak to a supervisor (in regard to the collectors own illegal statements). Where can I do this?

I went to prison in oct of 2009.my mother payed my car note all the way till may of 2010 the month I got out. MY insurance coverage on the car was cancelled in nov of 2009 cause of non payment. The car was stored 3 days after I got locked up.In March of 2010, Wells fargo sent a letter to my mother saying they were going to apply auto insurance within several days if she didnt provide proof of insurance.After their warning they charged auto insurance back to the date when My original insurance lapsed in november! mother became my power of attorney in dec of 2009, and contacted wells fargo and explained the situation of the vehichle being stored. A wells fargo agent stated that as long as the car was stored and not being driven that i wouldn t have to pay the insurance till I get out in may.Well that turned out to be a lie! but what my beef is is how can they charge me a complete premium when they didnt get find out the car was uninsured until march of 2010? Its like im paying for months of insurance they had no Idea about! How can they charge me for months that had past already? I understand current and future months but nothing happened to the vehicle before they charged their insurance in March!

I am still having problems with Wells Fargo. Last year I submitted a complaint on this forum so I am giving an update. The car that they put the illegal insurance on was finally cleared up. I cannot believe that one area does not talk to another. Months later my son had an accident and the car was totaled. The insurance paid the blue book amount and of course my son was left with the remainder. They told him it wasn't a problem because they can just refinance the remainder in a personal loan that he can afford. Well, since Wachovia, is now part of Wells Fargo he was instructed to go through them but the loan was denied. Said he couldn't afford it. So Wells Fargo came after him and said he has to pay the original car note amount. Now my question is if he can't afford to pay $120 a month in the personal loan what makes them think he can pay $482 a month for the car note. Especially since he had to go out and get another car so that would make two car notes. And we leave our country into the hands of these banks. Unbelievable. Anyway, months go by and they were calling him and me since I was the co-signer and I was helping him with the second car so my money, at that time was being a little stretched. I was contacted by the Total Loss Department. The woman I talked to was really very nice which is surprising consider all the nasty unprofessional that I had talked to previously. I agreed to pay the amount quoted and arranged to pay in installments. It made it easier for me. Why didn't they just tried to arrange something like that in the beginning? I received a letter stating my agreement and then after I paid it off I received a letter in September, 2010 confirming that the account has been paid in full and settled. Thank God I kept every letter and the woman's name. I never heard from them again but now all of a sudden, they've been calling me since the first part of January. I keep telling them that I owe them nothing and that I have a letter from them to prove it. What is up with these people. If someone took the money and ran I am not paying again. I will go to a lawyer and show them these letters. I use to be with Wachovia, which I thought was a good bank because they were always good to me. But I am so glad that I left when I find out that they merged with Wells Fargo. Someone really need to do something about Wells Fargo.

I have the same problem with these guys, they started billing me for insurance because they said I had a lapse.. the lapse was for 5 days when my Insurance person screwed up. Anyway they were billing me monthly so my payments werent enough (because of the illegal insurance) I was short on my payment then they would add late fees...To make a long story short my Truck was repoed and after getting it back and paying all fees and late charges I to this day are still getting charged for this insurance even tho I had proven to them on more than one occassion that I had coverage

We have had an auto loan with Wells Fargo almost 6 years and finally made our last payment in August 2010. They are claiming we still owe over $2, 000.00 in late payments & insurance coverage and now are trying to reposses our auto. Last night [protected]) we caught 2 repo guys trying to take our auto, the problem is our gate at the end of our driveway was and always is locked so the repo guys had to drive up our neighbors driveway then drove off road threw some trees and bushes and threw the mud to gain accsess to our property (also tearing up our land, we took video footage) I knew this was illegal and I told them so, he lied straight to my face and stated he just got off the phone with the sheriffs department and they told him it was okay to do this (I had a feeling he was blowing smoke up my a$$) so I called the sheriffs department myself and they came out and told him he was trespassing and had to get off our property and leave our auto where it is while he's at it. Needless to say they had a pissy~fit because all they care about is that ol' mighty dollar! Of course todays a holiday (Verterans Day) and could not get a hold of customer service or repo department because they have the day off. We may owe a very small amount of money (a few hundred dollars) but they are lying when they say we owe them over $2, 000.00. We have reciepts/proof we made all payments, they are trying to stick us with false charges and fees and believe they are trying to gain accsess to our auto so they can sell it to make more money off of our loan/auto. (Deceptive Business Practices) Wells Fargo also mailed us a letter (not certified) we got it on [protected]) but the date on the letter reads October 25 and the envelope does not have a date on it. I truley believe they are trying to pull some illegal maneuvers and take advantage. We will NEVER bank with or get a auto loan with Wells Fargo again!

FOUND ONE CLASS ACTION AT THE LINK BELOW FOLLOWED BY THE CONTENT OF THE ARTICLE:
http://www.lakinlaw.com/CM/ClassAction/WellsFargo78.asp

Wells Fargo collateral protection insurance - Lawsuit FiledA class action has been brought on behalf of a resident of Carlyle, Illinois against Wells Fargo over the practice of obtaining and charging borrowers for unnecessary and unauthorized collateral protection insurance (CPI).

The suit alleges that Wells Fargo Financial Illinois, Wells Fargo Auto Finance, Inc, , and Wells Fargo Financial Acceptance Illinois, Inc. violated the Illinois Collateral Protection Act, the Illinois Consumer Installment Loan Act, and the Illinois Consumer Fraud Act.

LakinChapman attorney Rob Schmieder represents Hardin and her fellow class members. "Collateral protection insurance is insurance coverage purchased unilaterally by a creditor for protection against loss of or damage to property serving as collateral for a loan. Under Illinois law, lenders can only purchase this insurance and bill borrowers for it under very limited circumstances and following strict notification and disclosure rules. Our lawsuit alleges that Wells Fargo has systematically engaged in the practice of obtaining CPI and billing borrowers in violation of state law and without the required notice."

Schmieder explained that Illinois law only allows lenders to obtain CPI and charge borrowers if the borrower fails to provide evidence that the property used as collateral is otherwise protected with insurance coverage. Based on the experience of Hardin and other consumers, this lawsuit alleges that Wells Fargo has systematically engaged in the practice of unilaterally obtaining CPI at the borrowers' expense even when the borrowers have provided evidence of other applicable insurance coverage.

In addition, the lawsuit alleges that Wells Fargo failed to notify borrowers that it had purchased CPI and that CPI was not required if the borrowers could provide proof that they actually had insurance on the collateral at the time.

"By failing to provide this legally required notice, Wells Fargo deprived borrowers of the opportunity to avoid charges for this insurance, " Schmieder said.

Brad Lakin, the Managing Partner of LakinChapman, said, "Class action lawsuits are a powerful tool to protect consumers from unfair business practices. While it would not be worth an individual consumers' time and expense to bring a lawsuit over what might be a small amount of money in an individual transaction, consumers can join together in a class action to recover their damages and stop companies taking advantage of their customers."

LakinChapman regularly represents consumers in class action litigation. Those seeking more information may contact the firm at classaction@lakinchapman.com (consumers), or [protected].

I have similar issues, very similar including a repo last week after 4 years of timely payments and being 15 days late - that's right and my credit and that of my co-signer is now destroyed. Once the car is back in my possession, we are paying it off but I'm concerned after reading about lost titles. Regardless, I'd rather file for lost title than have these bottom feeding pig [censor] life ruining jerk-bags to deal with.

OH AND:
For whomever thinks Wachovia is NOT Wells Fargo, you are incorrect. Wachovia is a wholly owned subsidiary of Wells Fargo Bank N.A.

Regardless:
1. Keep this alive. I have a few calls in to legal organizations. Class action is necessary and there are far too many complaints across the board here for one or more of the attorneys I've called to not accept the class pro-bono or for post settlement payment. These idiots have to be stopped.
2. Use what you have and contact the elected officials in your area: Congress signed off on the bail outs to keep these clowns in business so in this time of mid-term elections, use the congressional bozos to put pressure on the WFAF bozo teams. Having worked for a major bank for years, believe me the last thing they want is the government or any agencies crawling up their [censor]
3. Continue to keep Balboa in the mix as Wells Fargo claims no affiliation however, Balboa is strictly part of the Wells Fargo family
4. Play their game to their face - make the payments and on time and please check back here. We have a class now we just need the action of the lawsuit.

I have the same problem ... I can recall when I got my car in 2005 they authorized payments from my account without my knowledge. I can recall long before I fell behind on my payments they would contact me well before the due date... now that I have lost my job they have harassed me to no end. They have tacked on insurance cost and set me up for late fees because of the additional cost I could no longer afford . Once I got the money for the late fees they applied the money towards the loan and never applied it towards the late fees... until this day I can't win with these guys... They must be stopped. I will never ever again deal with them again and advice others the same. They call and say me horrible things... its really sad

I have an issue with the way some of the Wells Fargo Auto representatives try to bait me into an argument with them so that I can react in the same ignorant manner. Today is August 14, 2010 and I spoke with a representative going by the name of Ayanna at [protected], ext. 28233 at about 11:50 pm cst. Yes, I am behind in my car note and at risk for repossession, but I am not rude, manipulative, or canniving enough to start a argument in order to risk loosing my car. Please pull the conversation Wells Fargo Auto and you will find that some of your representatives are rude and do play games with other peoples lives.

I have the same issue with these crooks, I do believe there needs to be some sort of oversite on demons like this. they ask for a bailout from the tax payers and then use these kind of tactics to get more money from there crooked ways while hiding behind the feds. Well, here is what I propose. if you know of anyone who needs a carloan, do not recommend wells fargo, if anyone needs any kind of a loan, steer them from wells fargo, if you have a car loan from wells fargo and there calling you 15 to 20 times a day to try and get a payment out of you and I'm sure, like myself nothing has changed since the last time they called except my stress level, so much to point that when they do come and get this vehicle it will NOT be towable, well fargo will not get another nickel from me as I will play every legal Maneuver that I can think of legal or not and I really don't give a [censor] anymore! plane and simple

Wells Fargo post inaccurate financial information on a regular bases I have watched items post then disappear and re-post two days later causing overdrafts, I have watched small amounts deducted made three days earlier then a large purchase on the same day, resulting the lesser amounts bouncing and being charged overdraft penalties. Interestingly I monitor my accounts daily and manually transfer as needed but it seems that the bank alters the accounting to ensure that on line banking is based on false account information. Sad but what can we do, a class action suit has been filed and they all settled and Wells Fargo is continuing to do a bait an switch. in my view.

Sorry to hear that. I bank with Wells Fargo and have had my ups and downs with them. They always raise my credit line without asking me first. They just send me letters saying they raised my credit line. I also wish their local branches had temporary debit cards and not just ATM cards while you wait for your permanent card to arrive.

scams fake checks, leasing etc

DON'T USE WF UNLESS YOU WANT TO GET SCREWED!

We have been trying to refinace our home and are getting no cooperation from the local people

Calling regarding a promotional service

I understand that everyone is upset about gas prices and the large earnings of the oil companies, but has anyone noticed the record profits these financial behemoths are making? Exxon Mobil for example had revenue of about $320 billion last year and earned around $36 billion in profits. That is a profit margin of about 9.6%. On the same note, Citigroup, which is the largest American bank, had revenue of about $85 billion but earned a whopping $24.5 billion in profits. Where is the outrage here? It seems like I have to pay more and more just to use out of network atm fees, not to mention them allowing my check card to make multiple purchases even though I don't have enough funds just so they can charge me an ever expanding nsf fee. I think it's now about $40 per incident. They also charge for on-line banking via quicken or money and the rates they pay for savings interest is an insult. They even have the nerve to charge me $10 a month for a business checking account and just for good measure they also charge $5 per month for a business savings account. The Bank employees treat customers like we are interrupting whatever REAL work they are supposed to be doing in the branch. Please... someone help me on this. Where is the shame for these financial institutions. Maybe we should have a windfall profit on them too!

Give some of your profits back in the form of higher savings rates and/or reduced fees on your accounts. They should also lower those out of network ATM fees. I can't tell how many times I have to drive around just looking for a wells fargo branch so I don't have to keep paying fees.

AFTER GOING TO THIS WEBSITE & REVEIWING ALL THE COMPLAINTS ON THIS BANKING INSTITUTE IT'S ABOUT TIME SOMEBODY DOES SOMETHING!
ON MARCH 23RD I PURCHASED A TRUCK FROM THIS GUY WHO HAD IT FINANCE THRU WELLS FARGO. ON THE PHONE THEY TOLD HIM & ME BOTH $6484.00 & THAT IT WOULD BE FASTER IF THEY TOOK IT DIRECTLY OUT OF MY ACCOUNT. STUPID ME ALLOWED THEM TO DO THIS. A FEW DAYS LATER THEY TOLD ME THAT IT TAKES 10 BUSINESS DAYS FOR LEIN HOLDER RELEASE. NOW HERE IT IS APRIL 14TH & WE CALL THEM AFTER NOT EVER RECEIVING THE RELEASE & WAS TOLD THAT $111.00 WAS STILL OWED BEFORE THE LEIN RELEASE COULD GO OUT. I TOLD THEM THAT WE HAD AGREED ON THE PRICE OF $6484.00 & I'M NOT LETTING THEM TAKE ANOTHER DIME OUT OF MY ACCOUNT. THE RUDE SUPERVISOR TOLD ME THAT I JUST SPENT $6484.00 FOR NOTHING THEN. I'M APPALLED @ HOW THEY TREAT PEOPLE. NEEDLESS TO SAY, I WENT STRAIGHT TO MY LAWYER & WE'RE STARTING THE PROCESS NOW. THEY ARE DRAWING INTEREST ON MY MONEY & THEY'RE GOING TO PAY ME EVERY SINGLE PENNY OF IT. THE WORST PART IS THE GUY I BOUGHT THE TRUCK FROM HAD A SEVERE STROKE IN FEBRUARY LEAVING HIS WHOLE LEFT SIDE PARALYZED. SO HE IS NOW LIVING ON NO INCOME UNTIL HIS DISABILITY KICKS IN. HE HAD THE TRUCK & CAR FINANCED THRU WELLS FARGO & HIS ACCOUNTS WAS ALWAYS IN GOOD STANDING UNTIL HIS STROKE. THEY THINK HE SHOULD GET A JOB & PAY THEM THE $111.00 OFF. THIS JUST MAKES ME SICK & SOMETHING HAS TO STOP THESE CORRUPT INDIVIDUALS. I OWN A BUSINESS & BELEIVE ME I DON'T GO TO THE GOVERMENT FOR A BAIL OUT SO WHY SHOULD I PAY THEM MORE THAN WHAT WAS AGREED ON?

ON THE THE 16TH JULY 2010 I MADE A NET PAY LOAN FOR $250.00 AND WITH INTEREST IT GOT UP AT $300.00. IT WAS DUE IN OCTBER 3RD WHEN MY DIRECT DEPOSIT COMES IN. WHEN NET PAY WHEN TO COLLECT SHE GOT A LETTER BACK SAYING MY BANK WAS FROZEN...THE NEXT DAY NET ADVANCE CALLED ME FURIOUS..SHE SAID WAS GOING TO RE ENTER THE LOAN AND ADD 1 $15.00.. I TOLD THET SHE COULD NOT DO THAT BECUASE MY BANK WAN NEVER FROZEN.. SHE STILL DID NOT BELIVE ME. I ASKED TO DO A 3 WAY CALL TO BANK JUST SO I CAN PROVE THST MY STORY WAS TRU...ONCE WE CONNNECTED NET PAY DID MOST OF THE TALKING.. THE TELLER RESPONSE WE NEVER SAID THAT..
THEN NET ADVANCE ASKED IF MY BANK ACCOUNT FROZEN HAD JUST NEARLY HAD DEPOSITIED $2000. IN THE BANK JUST PRIOI TO THAT..THATH IS WHEN THE BANK TELLER GOT PIST OFF AND QUTE" I HAVE TO " THIS IS NO JOKE FOR ME, NOT A JOKE NET PAID ADVANCED. AND THE LADY CALLED ME A LIAER TO MY FACE... I DON'T KONW HOW YOU ARE GOING TO TAKE CARE OF THIS. MY NEXT STEP ONCE CONSUMER PROTECTION IS GOING UP ANR RUNNING I'M DOING ANOTHER COMPLAINT.. AND I WIIL FIND EVERY COMPLAINT SITE FOR BANKS. AND I WILL COMPLAIN...AND BY THE WAY THE LADY IS BACKING ME UP ON EVERTHING FRON NET PAY ADVANCE..

I like the going after them part however the "them" includes the government and it's relative departments, the judiciary, all of them guys. Best go after them is for all mortgagors to stop paying all at once and depositors yank their funds. Won't happen...too bad and I'm still watching. They and 17 other banks caused the melt down which reduced or eliminated the income we qualified for the loans with...that's illegal and still...they get the house. The government is beyond lame duck...impeach them all!

My husband and I are having the same problems! Wells Fargo drove us nuts (by the way, they called us first because we are not quite one payment behind.) They constantly said they didn't receive all the papers I faxes or mailed. They never confirmed receipt when I sent cover letters asking someone to call back and let me know they had received the fax or letter. They always needed another signature or date or heading at the htop of a page. Absolutely crazy. It's a bunch of bull. Can't we all get together and go after them somehow, someway?

Mark and Carol Runyon, Englewood, FL marunyon@msn.com please email me

I am a disabled Vietnam Veteran responding to this blog on Veterans day. All I know is that I served my country for five years on active duty received a 100% disability rating back in 2003 after fighting for five years. I have been involved with two banks regarding two different mortgages since April of 2010. My credit is shot, I am on pins and needles all the time, experiencing flash backs, ready to cash in all my chips. This past year and half has been far worse than my time I served on active duty. I have always been an upbeat person with positive direction with a strong will to succeed. I can honestly say that the banks have show no respect or demonstrate empathy or compassion to anyone let along a Veteran who served his country and gave my all. I have always been a proud Veteran but now have lost all hope, feel all along and worthless. The banks did to me what the enemy couldn't. Perhaps some miracle will happen and things will improve. God have mercy on all of us.

Wells Fargo is scary. They refused to deal with me as i was not the "owner' but I had been paying and living there since the house was bought in 95. My ex husband is the owner and I was required to turn the loan over. They would not tell me what my a.r.m payment was so I underpaid. He signed inorder to let them talk to me but they "lost it" 4 times. Apparently at some point the loan was sold to Bank of America. My ex, his lawyer and my lawyer and I worked for a very long time to get someone to respond to our corresponses but to no avail. Ultimately a notice of sale arrived to my address addressed to my 16yo son. The judgment was never served and the cty clerk was unawre of the sale taking place on Oct. 29th. I attended to find the "Impartial ref" bidding for the non-present bank in an amt so far over the value and over what could have ever been owed that I had no choice but to let it go back to the bank. I hope to make a deal with the bank so my kids and I dont end up on the street. My daughter and 3week old granddaughter is with me while her husband is in Iraq for the 5th time. The foreclosure went through in my now 17yo sons name and they think I had a huge mort. Where is the money I paid for 12 years? How do I owe 7k more than what I paid in 1995? This is fraud, illegal in my opinon, no due process and as they line their pockets, I live on the street.

For Wells Fargo Civil Lawsuit Class Action call me at [protected] Ask for Mr. Terry. Never a fee charged to you and we will recover the fees that Wells Fargo fraudulently steals from people like you. In addition we have received the green light to seek punitive damages as this case was not born out of mere negligence or an oversight, but rather cunning calculated financial planning and taking into accout their propensity for getting caught. They actually did quite an impressive job of keeping it out of mainstream medias or the consciousness of anyone that matters. Because of the seriousness of these civil and criminal complaints we are sworn to secrecy and all Discovery is kept classified until judgment day and we can have them served. We are close, real close. We need you if you have a similar case or perhaps all you know is Wells Fargo charges you fees that do not seem legal or right. Perhaps you canceled an account only to find out you still owe on it.

A long haul though Wells Fargo is now about ready to pay up and be held accountable for their actions along with all the upper management personnel we can trace. The staff giving the orders and mandates of "creating debt" and subsequently charging the monies off. We have several written memorandums though to Wells Fargo credit they kept this well compartmentalized in order to assure compliance of the scheme yet for no one to piece it all together .

Theses upper management directors and principles of Well Fargo Bank are all in an active process being reviewed by an ex-circuit court judge for any and all loop holes we may have missed. Their Credit Division in the state of Oregon has been the easiest to unravel with full fledged supporting documentation with great witnesses: former banking officials and workers in their financial services division.

We will prevail as we always do. Call Mr. Terry for Class Action Civil Suit, based on fraudulent fees assessed to your account. Call [protected]

This is multi- million dollar criminal fraud that will with my help have a class-action law suit behind it. And there's no cleaning it up Wells Fargo because I now have irrefutable indisputable proof, beyond all reasonable doubt, that you {Wells Fargo Bank referred to here out as "you"} knowingly and with forethought and malice gave instructions to lower management to do several things. And love this, We now know why you thought you were not going to be caught --sorry!

Goes like this:
Step 1 -- Just like the gentleman that started the complaint a person closes out an account with absolutely nothing pending on it and does so with a printed receipt that he now has a zero balance.

Step 2 -- A period of silence normally goes by, or from what I can tell it may a "varied" waiting period for it to appear legitimate. But soon after the person, here is the fraud, charged a monthly recurring fee, to the zero balance. Now whereas you are going to claim, ah but I am one step ahead of you Wells Fargo, you will attempt to claim that the account was closed "during" the exact time period that the account did not have money in it, yet not fully in a closed status --if that makes sense, which it does not, though they remedied this.

Step 3 -- They in return do not call the unsuspecting consumer as this would render complaints such as this. They instead turn it over to a collections agency, and guys I love this more than ever, a collection agency owned by none other then Wells Fargo.

Step 4 -- This money is or never was meant to be collected by the consumer, as I discovered and taped a phone conversation> here is the jist of it. We, the consumer are not sent out any type of collections letter nor given any of the usual phone calls normal collection firms rely on. So here "DEBT" is created/manufactured and goes largely undetected or rather unchallenged as the monies are not aggressively sought. In fact most consumers will report of not finding this debt out till much later and usually through some kind of fluke, like calling in to complain about some charge and an attendant revealing the debt.

Step 5 -- This debt is conveniently kept to under a hundred dollars though besides the monthly service fee they tacked on out of thin air they now also add another charge, perhaps two extra charges: a late payment fee and a fee for being under the limit. All still less than $100.00 dollars though around the $50.00 dollar mark for each account. I had closed on the same day a personal checking account and a savings account both totaling a hundred dollars of debt. This DEBT is slated for "CHARGE OFF"and the America taxpayers are now responsible. The IRS is never alerted. My under cover bank employee has recently revealed another fact that will demonstrate malice and knowing the difference between right and wrong. It is...

Step 6 -- All debt that is sent to collections comes with an incentive to pay the bill. It is called your credit score. Wells Fargo Bank was given specific instructions that this debt would never affect the consumers credit repot and further more never reported to the Credit Bureau's what-so-ever as this event could and would be the one thing to raise the red flag. Eventually the folk seeking credit would discover their credit score had been negatively impacted, though because it is never reported it never sound any bells off. Very clever though a truly air tight case. Oh yes, my confidential informant is an impeccable non-impeachable witness. She was reluctant at first especially when I informed I wanted her to do it for the fact it was the right thing to do not for money. The money could discredit her testimony against key banking officials the day of trial. We are good to go, clean as a whistle.

Closing Comments: We need though at this point more consumers that will come forward with the same scenario. In-house documents have already been recorded and copied therefore if they get the urge to purge they are a little too late! But again we need live bodies before actual Discovery and Grand Jury summons. Wells Fargo will need to absolutely credit me back every fee they ever garnished for my entire life of having banked there for me to go away and not pursue. I find it impossible that this will happen as the powers to be are not the ones reading this and probably think they are smooth sailing. Please contact me or leave contact info. for you in the comments section here. We are talking Class-Action suit with special circumstances which qualifies in anyone's interpretation of the law as damages. This was no over-sight fellows. This was no accident. This required advanced planning and inclusion at the very highest levels of the banking corporation. It has gone on undetected for years and has effected thousands of consumers resulting in the theft of millions of dollars. Partake today in a Class-Action and get the refund you are entitled to. Do it because it is the right thing to do and stop corporate theft in America. We are counting on you to come forward. A public service announcement will be developed and aired on mainstream television so it is only a matter of time. You are by the way with a group of legal pros that have NEVER lost a case. We are at the top of our game and will collect. We are in addition seeking concurrent criminal penalties as well demanding that it be served in a Federal Correctional Institution not a suspended probation of which they will attempt a plea. No pleas -- this case is too easy, sorry.

Wells Fargo Home Mortgage is under investigation for demanding loan processing money than keeping it and rejecting the loans. All the material that Wells Fargo Home Mortgage requested was returned to the borrower. The Borrower took the entire package to his local bank, and they not only approved the loan but reduced the interest by 1 full percentage point and did not require any escrow. Wells Fargo Home Mortgage is not to be respected as a trustworthy organization.

We are going through the same thing with Wells Fargo. I so wish we would've looked at the complaints...they just ordered a second appraisal :(...Luckily we will still have a home if they screw us over.

Well written, sir.

Have you ever looked up laws on getting extensions/defferals? companies can only do so much in delaying payments, if you dont meet the FEDERALLY REGULATED guidelines they wont grant you one, which means you probably had a poor payment history and/or poor credit, these companies dont have to offer this

Totally agree, we had similar problem with Wells Fargo Sterling Colorado. At present looking for an attorney/class action law suit against Wells Fargo. Let's join forces, apparently there are hundreds of consumers in our position ( Wells Fargo predatory lending practices !)