Wells Fargo
reviews and complaints

We are having a very hard time with Vincent Moynihan who is not responding to anything we send him but just keeps sending rude emails with deadlines that are less than 24 hours. Despite all the requested documents we send, he says we are being inactive and he threatens to shut the whole short sale process down. Very frustrating!

I wrote a check for my rent to my apartment complex (1260.39). Wells Fargo only paid a portion to my apartment (859.14). My apartment let me know about the discrepancies. I had Wells fargo investigate. The conclusion is on the letter, telling me they withdrew the remaining balance from my account. The apartment told me they still have not received it. After a lot of back and forth with the bank and the apartment, the apartment made me pay the remaining balance by adding it to my monthly rent. So they got their money. Now I have been trying to have Wells Fargo return my 401.25, they just do not care.

I recently went to talk to the Wells fargo banker to call their customer service line for me. As a result, I receive a letter telling me there was no fraud all is good with the transaction. What a crap! Every time you talk to a representative, you never know what will happen next. Each one comes with a different scenario. They told me way before, they were waiting on the Apartment bank (First National Bank) to answer to them, before returning my money. Then, another person said, to prove that I paid the apartment for them to give me back the balance. Even though I thought it was ridiculous, I still went ahead and fax the documents as requested. Then nothing. When I called again, another customer service brought to another reality. The agent was having hard time understanding what was going on and so on. The last move I did was to go to see the agent.

Looked up "inept" and here I am. I've spent hours online and with a "Representative" (he does represent What WF is). getting not one answer. I opened up a VA Fiduciary account a week ago, no mean feat that took hours and three employees. I could not access the account online, called WF and was told I could never access the account online AND the only thing they would or could confirm was that there was an account number, mine, with F WF, but could not even confirm that it WAS MY FEDUCIARY account.

First thing tomorrow I will be closing this account that I had to open with $25 of my own money, and hopefully will get back in cash.

I thoroughly agree with this posting. AVOID Wells Fargo at all cost (see my similar posting on this site: Incompetence after Incompetence).

As an addition to this posting, one of my Personal Bankers (one of Five I have had in this year of 2012) had such an unusual name I thought I would do a google search on the name. The only info that came up was a Police Mug-shot and a DUI arrest.
I, being in the UK, had never met my personal banker so I did not know if these two people were the same, but when I was in the USA in 2012 I thought I'd have a 1-2-1 with the name.
It WAS him... a very distinctive face.
Of course, barely weeks after our interview he had left the bank (to repeat, one of FIVE Personal Bankers I have had this year) - indeed, the only time I discover my Personal Banker no longer works for Wells Fargo is when their e-mails start to bounce back. Even now, I am still not sure who (in my Florida branch) is my personal banker.

When this bank was Wachovia I never experienced any problems. As soon as it became Wells Fargo, THAT's when the muck started hitting the fan.
AVOID WELLS FARGO at all cost.

I co-signed for my daughter to get a car with Wells Fargo Dealer Services. My daughter lost her job so I've taken over her payments. I received a call from a young lady telling me that because my daughter didn't have insurance on the car so her payment were no longer $283 but it is now $412. I asked her if the amount of the car payment has changed then my contract must need to be changed as well. I asked her additional questions about the insurance then I stated to her that I would just be paying the $283. She told me that if I paid $283 it wouldn't go towards the car it would just be sitting in limbo. I've never in my life heard of such a thing. When you pay a bill money does not sit in limbo. Clearly she was trying to discourage me from making a payment unless it was $412. She was rude and ghetto and then went on to say that the car still has a $14, 000+ balance. Of course it still has a $14, 000+ balance. She has only had the car a year and as with any car, the first few years you are basically paying the interest amount. At any rate, that has nothing to do with them trying to force us to pay car insurance which is completely separate from the car payment.

I had my car financed with Wells Fargo Auto Finance for four years and I had NO problems. They were polite and easy to deal with. In December I got a letter advising that they were changing my account to Wells Fargo Dealer Services.

BIG MISTAKE!

These are the rudest people that I have ever spoken to. I had this guy named Miguel tell me that I would have to talk to him after my car was repossessed.

I had been paying more than my established monthly payment and so I had a reduced payment due. In October, I paid the reduced amount plus about $50.00. In November, I paid the reduced amount. In December, I was laid off for two months, I tried to make a deferred payment arrangement and was told that since my last two payments did not meet or exceed the regular payment amount I was not eligible for deferred payments. Keep in mind I was paying a reduced amount because I had previously been paying more than my agreed upon billed amount.

Ever since then dealing with Wells Fargo has been a nightmare. They moved me over to Wells Fargo Dealer Services, wiped out access to my payment history and assigned me to the collector from hell, Miguel.

I drew money from my retirement account to pay off this horrendous loan and I will NEVER again use Wells Fargo, for anything!

Sitting here reading this stuff about Wells Fargo I cant believe in this economy how heartless banks can be. None of us have been bailed out in this economy. Recently, I tried to make several attempts to make a payment online and it wouldnt work. SO I call customer service and they tell me there is a fee.. A fee for what doing your job. Not my fault your website isnt working is that part of your job or do I have to pay for that too? So they told me that I should be patient with them and that they appologize for the inconvenience. In October I received a bad check from a customer of a large amount I was counting on this to make my car payment before it was 30 days late. The CSR tells me I have all day that day that I am ok I explained that not only did I get an NSF payment from a parent but that a drunk driver drove into the rental house I was buying and doing my business out of. If he would have told me pay me right this minute or else or that if you pay it after 5 you are going to have a late payment. I would have called 10 parents to pick up their kids from my daycare to handle it. Needless to say I made the payment at 7pm and there was a 30 day late put on my credit and my home loan was wiped off the board I feel bad for myself the broker the realestate lady and now my business is hanging on by a thread because the lady that owns the house leases to me at 2500 and I lost my tax credits. I would have been paying about 1600... Today I am sending another letter to North Carolina in hopes that they hear my pleas to please take this off my credit. For anyone reading this two words of warning. To this date I cant think of a good reason to deal with Wells Fargo. If in fact they help me fix this as its partly my fault for being late and all their fault for not telling me if its made after 5 youll have a 30 day late. 2 hours changed my life. So if they say to you please be patient or things happen we are sorry... please explain to them that the gate truy does not swing the other way AND that they got a government bailout and we are all rats in a cage attempting to put another dollar in their buckets. Sincerely Leona M Fergurson

they change they account packages every time you think that is free then wow .. monthly fee! yes they change surprise now you need from minimum of 300 dollars to keep free of fee now you shuld have 10, 000, 000 dollars to keep free strategic to force you to pay ...

MAC #S4015-011
I am having a problem with someone in this division. I know that I am behind in my payments. This indivisual is nasty and does not seem to want to listen. I talked to him today to let him know that I have mailed him a payment and half trying to bring my account up to date. With his nasty attitude he refuses to listen and made comments about my need for the car. With an attitude such as this you are going to loose more customers. I wanted to tell him that I was seeking other sources to pay this car off but he made me mad and I ended the confersation. He then immediately call back to speak to another person and gave a specific time. He and his attitude is the reason why my bank accout had to be closed. This he wanted to know but I didn't tell him.
In the past my family was customers of Wachovia but after this type of behavior and attitiude we will not use it.
This is the 2nd time that I e-mail your division( without MAC) idenification. The family member can't be reached that was called and does't have anything to do with payment. I have reached out to the person to try to bring my payment up to date but he has made up his mind. What can be done about this type of treatment

My check has been placed on hold.for 10 days. Meanwhile other debits and transactions are NSF.. $35.00 a pop.I swear this is how these crooks keep stealing from the most vulnerable. I intend to notify our Senator of these crooKS. The government need to step in. How is a class action started?

I'm currently going through the same issue with them. I had money in my account and now I'm in the negative even though I haven't made a purchase in three days. I called and they said it was from a purchase four days ago even though the purchase was less than what I had in my account. I argued my case and they gave me the run around. Then they tried to get me to sign up for a credit card lol. I'll be switching banks today on my lunch break. This is the second time this has happened and I'm done with wells Fargo and bank of America. I'll be trying the delta credit union out.

Understand- we have similar problem. Wells Fargo gave us loan a few years on our house telling us to take the higher interest and let our home and credit values increase. In two to three years we would be able to get another loan. We just paid $450 (that we really didn't have) to get a new appraisal and now are told that our home is wroth about $30, 000 less than it was on our first loan. We pay about $1000 on just interest and only about $200 on the principal and have been paying fro almost 4 years...I HATE WELLS FARGO and would NEVER recommend them to anyone.

I was treated very poorly by Wells Fargo as well.Horrible, horrible customer service skills. I was insulted by a representative then when I called back to ask for a supervisor I was lectured for being rude! They both said they did not have supervisors and refused to put one on the line with me! I too have had an account with them for over 15 years.Lousy, lousy! Shame on them their cusotmer service is really going down the drain!

They say my escrow will be short by 5 dollars in November so they raised my house payment 30 dollars a month. They are crooks and theives. A rep lied to me in the fall and said if I'd send the 400. they said I was short at that time, that they wouldn't raise my payment. If we had a government worth 2 cents, something would be done about the crooked banks and wall street theives.

Northwest Corporation, or Wells Fargo, as they prefer to be known, offers sub-prime auto loans at a discount rate to those with recently discharged bankruptcies. Their intent is not to assist borrowers in rebuilding credit, but rather to be there when they stumble. Considering a person has to wait 8 years between bankruptcies and that most obtained a vehicle loan out of necessity, they make for great prey – doing anything to salvage their credit and only vehicle. That makes for the perfect borrower!
They’re as mean and nasty a corporation as I’ve had the displeasure of dealing with and if you fall behind in payments they will NOT work with you. Remember, that’s not their goal. They will harass you—calling you up to 5 times per day at home or at your office. They will initiate unauthorized withdrawals from your account even if you tell them you’re currently homeless. The nasty, demeaning and intimidating messages they leave will always concern something “urgent” which requires your “immediate” attention. The tonality and intensity will NEVER change -- whether you’re 2 days late or 90… even up to the point when they repossess your vehicle without warning after you’ve made a recent payment.
I have experienced this first hand and after some research see I’m not alone.
This company’s mortgage branch recently settled out of court for their predatory lending practices and it seems they’ve just shuffled their upper management a bit.
So, if you’re in the process of looking for a lender, avoid them like the creepy guy standing next to your vehicle in a dark parking lot. If you’ve already got a loan with them, woe be onto ye who fall behind. To them you are but a target…. a quota… a mark.

I'm going through the same ordeal they never notified me that my car was out for repo i sent them there money like promised and these snakes have my money and my car no one will work with me . i have turned them into the attorney general and i have contacted an attorney . they are also trying to charge me for everyday my car is being held . I'm so fed up beyond words .. If i knew what i know now i would of never financed a car through them

I originally posted 147 days ago under the name "Consumer Patriot". I decided to focus my time and energy on trying to end my relationship with Wachovia (now part of Wells Fargo). They finally gave me a payoff amount. It took an accountant I know, and very roughly 40 hours of work including phone calls, preparing correspondance, administrative and travel to finalize this loan and transfer it to a smaller lender.

I recently found out by watching Alex Jones (not by watching TV) that Wachovia/Wells Fargo was part of a big scheme to launder drug money. Here is a link to the UK Guardian with the story http://www.guardian.co.uk/world/2011/apr/03/us-bank-mexico-drug-gangs

Wells Fargo, along with Chase (part of JP Morgan), Bank of America, and HSBC should be boycotted. These international banks are wrecking the US among other things, but that's a different topic. Back on the topic, in my experience and from what I've heard from friends, they also overcharge relative to smaller banks on fees and interest. They're also horrible in customer service.

Solution: Fight these banks with a good defense. Keep up on your payments, defend vigorously defend yourself against collections, and MOVE YOUR CHECKING, SAVINGS, AND LOANS ELSEWHERE! Use a local bank instead. TAKE YOUR BUSINESS ELSEWHERE. GET A LOAN FROM A RELATIVE-WHATEVER YOU HAVE TO DO. YOU'RE A FOOL IF YOU USE WACHOVIA / WELLS FARGO, CHASE BANK, BANK OF AMERICA, or HSBC. Don't say you weren't warned.

I am also a Wells Fargo customer with an auto loan thats only one month past due. If they really want to take my car after I have called the account manager over and over trying to make arrangements to pay over a two week period to catch up on payments. The only response I got was that she wouldn't be able to keep the loan in good standing. I have witnessed many repossessions and none were actually done until the loan was at least two months past due. These people are predators and someone really wants to teach these people a lesson about predatory lending. Yes, this is still going on today. I really don't like people who try to muscle others for money. I hope that I'm not the only one show going to report them to the Better Business Bureau.

Wells Fargo does NOT want to give you the payoff amount.

I have a loan with Wells Fargo. Of course, like all corporations, they want and try to get as much information as possible from you. I always like now when you call most loan companies with automated messages: They usually say something like "This message may be recorded for quality purposes". Do quality purposes include legal purposes? Do quality purposes included low-quality purposes, like rude aholes coercing information out of you so they can harass you at work, a relative's house or home every day with the same questions? Does quality include withholding info you need to pay your account while they hire a repo man as soon as legally possible?

I will now expose Well's Fargo's swindling ways: I've had a car loan from them for years. I recently ran behind on payments. I called to get the full payoff amount. It seems that if you pay late, you cannot get automated information (red flag number 1). The robot sends you to the customer service people. Customer service answers and they demand again your account number. I asked for a pay-off amount. They got out of me account, name, address, but when they asked phone number, they went beserk and forwarded me to a manager. I tried this twice just to see if this is protocol-it is.

The "managers" will not give the pay-off amount either. They both tried to extract information from me, to which I replied that I gave them information. On the second try I tried to get the pay-off amount at least 4 times. He said that he needs to get my account current before he gives that to me. I replied "So you need a little money first, then a lot of money?" sarcastically. He said no (and what he meant was information about where I live and such), but continued like an imbecilic robot trying to threaten repossession and such.

The scam is obvious: Wells Fargo wants 1) you to continue to pay monthly payments, paying interest on your loan along with any late fees, OR 2) they want to repossess your car. Wells Fargo does NOT want to give you the payoff amount. I saw a different complaint about trouble getting a payoff amount on these boards. Good skill. Don't give them information. Any more problems and I will report them to the FTC and BBB. You should too, but don't rely on me. It takes several of us can do some damage.

I agree I just tried to get a loan modification and was told no hardship exists. I stopped paying other bills to keep up on my mortgage and they said I was not in default. I asked if I had to go in default to get help. I understand that Wells Fargo does this often. Does anyone know of a lawsuit against Wells Fargo for using such tactics?

fax to copy of titles [protected] to request copy of such, need to include your name, your account number, a statement why you need it...

why do you need a copy of title anyway?

I have had pretty much of hardships from these representative in wells Fargo dealer services. I have been requesting a copy of the title to complete my registration in a different state. Its been more than 2 months since I have been running around the stupid suggestions these idiots gave me. Some times they say that they want a request to come from DMV and not me, to fax a copy of the title. Sometime they are OK with me sending the request for a copy of the title in DMV letterhead and sometime they are OK to receive it from me using normal fax. When I follow these instructions they don't react, as the opinion of one rep is not the same as others. Having delayed so much I demanded that I need to speak to supervisor to exactly know the process. Having tried out their useless faxing option I demanded that I need a copy of the title sent to my address. Its been 11 days and my title is still not with me. Wells Fargo always maintains that they have faxed or mailed. But they don't have any proof to substantiate that. When they fax they don't keep a confirmations. Neither their postal mails have a tracking number so that we could track. Trust me..these are the last people on earth who will help anyone. I hate having entrusted my car loan with them. If I had the slightest idea how bad they were I wouldn't have gone to these

call [protected] its their office of the president.. it might help you.

I have recently paid off my loan with Wells Fargo Dealer Services. I went to the bank got a cashier's check, mailed it priority mail to get it there quickly since I am trying to sell the car, but can't sell it until I get the title. It got to them and posted to the account 7 days ago. According to their website when you pay the loan off with a cashier's check or any other certified funds title will be released in 4 days. However, when they got my cashier's check they thought it was a personal check (which according to them takes 15 days to release title) because obviously they have monkeys opening their mail. So I have been on the phone with these people 3-4 times per day every day since I saw they received the funds, and almost every person I talk to is a total idiot and has no idea what is going on. It is the most frustrating experience I have gone through in a while. Mind you, I have never been late on a payment or had any incident or issue with paying my loan, or getting their money to them. No one there is willing to help or try and figure out what is going on, its pretty sad. Customer service? I don't think they even know what that is.

I have been waiting on my unemployment funds to come in and have explained to Well Fargo Dealer Services in Santa Ana weekly. I have spoken to 6 different people and only one lady was professional and was understanding. Wnen I asked to speak to her again they would not pass me to her but instead had this jerk get on the phone. Another female started to tell me I can't afford a car and when was the last time I was employed, when I told her she should not be speaking to me like that she hung up on me. It gets better today I had a female yell at me that my car is getting taken from me and that she cant answer any of my questions. This is after I have given them seven thousand dollars. Tomorrow I will see what awaits me. The worst I have ever dealt with in my life. "Stick to CREDIT UNIONS"

I would have to agree Wells Fargo is screwing people over on their payments. A friend of mine just had his car towed, and his payment is due Saturday. Catch what I just said, 'his payment is due Saturday.' it is currently Thursday at 4AM! My friend was delinquent on his pay by almost 30 days! They had made a call to him, and he took care of the payment that afternoon by wiring the money to them, two payments! And the repo guy said the statement he had recieved said that my friend was delinquent on his payment by exactly 31 days today, which does not even line up to the payment cycle. Reading various reviews on Wells Fargo's Dealer services I have to decided that we are going to refinance through BoA, they can actually offer a better a rate than Wells Fargo, not to mention I will be closing my account with Wells Fargo and withhold deductions to my daughter's 409 account and open another one elsewhere. I don't won't those screw ups touching my money. For being one of the most reputable banks in the country, they need to get their crap together or they will collapse very soon. By the way futbol, state laws apply to property liens, so how things go where you live vary greatly. Some states mandate atleast 60 days of delinquent payment before an item is up for reposession.

What all you people have to realize is that the SAME PEOPLE WHO WORKED FOR WACHOVIA ARE THE SAME PEOPLE THAT WORK FOR WELLS FARGO. I can see where you would get fraustrated with the company, but if you dont have a saving plan in place as a safty net, or buy some sort of coverage to help you if you can pay, or something happens to you, ITS A LOAN not a GIFT! If you had to get your daughter a car that means credit wise she cant afford it on her own from the beginning. You blaming the company for not defering your loan ( which has a differnent requirement than other lenders) is not their fault but your own. Did you read the contract? did you ask who was your finance company before signing? did you research them? I bought my Van with them and before i signed, i did my reseach, i read the contract, and yes the deale wasnt happy i took my time, but once i was satisfied with the company, and all my questions had answeres, i was happy. Also Your loan doesnt have to be 30days past due for them to repo it-- if you are due on the 1st then as of the 1st if no payments are made then they can repo they give you a courtesy time which some companies call it 'grace period' but with WFDS and even with WACHOVIA, their is interest per day on that, (BECAUSE YOU HAVE A SIMPLE INTREST LOAN) and they extend that courtesy.

I have never in my life dealt with such rude, obnoxious behavior by a bank, their loss prevention department representatives threaten you by saying such comment's as "you wanna see me driving your car?' HUH? or telling me if you raise your voice to me on the phone I will put your loan into recovery right now! I could not even belive I was being spoke to like that this is a bank for god sake's and they cant get away with saying this stuff to people and being unprofessional like this? I have never in my life dealt with a bank that is so unprofessional and rude as these people are, they harrass you non-stop over 1 payment being late not even 30 days yet... I have never in my life seen anything like this, I was told by a friend I need to contact any attorney, It's not a wonder they already have a class action lawsuit going against wells fargo dealer services..for this sort of childish behavior, for a representative to start taunting me "saying you wanna see me driving your car?' huh? do ya...Come on are we in 1st grade here? and then telling me If I raise my voice one more time, she is going to put my loan into recovery right now, and my veh will be reposessed...REALLY ON WHAT GROUNDS? The one payment I am behind not even 30 days or because I suppossedly raised my voice while speaking on the phone to them? This crap isn't even legal what they are doing to people, and it needs to be stopped, I am turning this bank into the BBB and I suggest other people need to start doing so as well, and get this behavior stopped, they cant and shouldn't be able to get away with talking to and treating people like this. EVER. I am considering selling my vehicle just to get out from the loan with wells fargo dealer service's and the next vehicle loan I have I will from now on request that no loan of mine ever goes through wells fargo dealer services ever again.

I sold my car to a dealer for the amount I owed on my loan just to get out from under it. I have proof the pay off was made. The dealer told me that Wells Fargo will hold the payoff check until the last day of when the payoff is due and then they will apply to the loan. Meanwhile I have received multiple calls from WF collections stating that I am ruining my credit by not making a payment. I have patiently explained to them that they have been paid and to please call the dealer and provided them with that information several times. The last time I got angry and asked them just what they thought they were going to do...collect a car that wasn't mine? They said that if I wanted the calls to stop I had to put the request in writing! The woman began to talk about my credit again and I told her that I was amazed that here I thought I had done the right thing by selling my car so that I could pay off the loan and not have a reposession and now they were still threatening me? She said it was my responsiblity to pay for the car, not the dealers. I was so stunned that I almost couldn't speak! I then said that I hoped they were recording this conversation because it was one of the stupidest ones I had ever had and that I was not going to answer anymore of their calls so they could call me all they wanted to...in fact they could harass me all they wanted to...I wouldn't pay or speak to them again. I hung up after that. I still get the calls but I ignor them. In this economy I really don't care about my credit, what I cared about was doing the right thing and that was getting their money to them since I did loan through them and I feel I did that. What they do now is irrelevant and I will deal with their crap if I have to. Unfortuantely they also have my house mortgage so I suppose I will find a lien on it one of these days! A no win situation in my case even when I tried to do the right thing...good luck to all!