Wells Fargo review: potentially fraudulent advice 75

Hello, I live in Grandview Missouri went thru exactly the very same thing you did .I can feel your pain, mine and many others that are out there.
My nightmare lasted a year. A year of sending in pay stubs, hardships letters and
tax returns. After about 6 months of reviewing my situation I was given the chance to accept a trial period of 3 months of my house payments being modified.
The payment were taken down to around $565.00 a month for 3 months. If I passed this stage of the process and I certainly tried my best to prove that I really needed this modification by continuing to pay my normal payments . I was told we would go on to the next phrase If their terms were satisfied. During this time you really couldn't tell what you were paying because your payments were being put into a suspense account. It did not show on your statement. And you could no longer make your payment online. It was a mess.
Everytime I would call to see if I qualified for the modification loan I would get the run around from the loan dept stating the case is still in review and nobody knew anything.I started my request for a loan modication in August of 2017 . In August of 2017 was told after months of sending in all these documents that I was denied for the program. They suggested that I talk to a HUD counselor .
This was the finally straw.
After being denied for the prgram about two weeks later I get a phone call from a guy name Mr( P ) saying he may be able to help me. I made the comment to him that I was just denied two weeks ago but he said That he was a representative for Wells Fargo and to give him a chance to see what he could do. I m my opinion he was the (cleaner)they had called in to clean up the mess that was made to my documents in the year of reviewing them.
Guess what 2weeks later he calls me back to say that he couldn't help me after reviewing my loan documents.Just what I thought.
I totally agree with you Wells Fargo ...NO GOOD

M

I know what you mean about lawyers. I had an issue with them that started in 2017. They admitted that their employee made a mistake and offered to help me, but it was a stall tactic.
I have never been able to find anybody who could help.

Wells Fargo and I had a Forebearance Aggreement that I was following when Wells Fargo decided to breach by stating on my monthly mortgage statement that foreclosure preparation has begun. If I wish to retain my property the loan must be brought current immediatly Total of Forebearance Agreement. Breaching the agreed upon Forebearance Agreement; then tryed to lure me into a deceitful Loan Modification by misleading, and requiring me to do so, and stating that they have investor approval, then making it look like I had requested the Modification. Trying to place the burden of a request on me. They say we must advise you your request for Modification has been denied for the following reasons: "We are unable to come to a mutual agreement." Whatever that is supposed to mean? Then foreclosed (10) days later, and sent me notice of sale (2) weeks after that.
I have tryed to retain an Attorney more than once! Useless... aren't any confident enough in themselves to battle with Wells Fargo. It's not a reason that I dont have a case, because I have saved every letter, Mortgage Statement, Bank Statement, even have a Customer Account Activity Report from wells fargo showing they received payments. I have paperwork situated in cronological order, along with the Arizona Revised Statues that were violated. I have a solid case with nowhere to take it. It is almost pointless to seek an attorney, especially like the first one I had who calls me to meet with him at his office. Upon arrival he asks me If I happen to show up to the Judgment Hearing? I said "No" you are supposed to tell me where and what I showup for. So he lost that for me! I have recently submitted a complaint with the Arizona Attorney Generals Office for Consumer Fraud directly or indirectly affecting State Commerce for consumers within the state of Arizona by deceitful and misleading practices used to obtain real property. So far Wells Fargo has replied back to the Consumer Complaints Manager with information intended to mislead the Attorney Generals Office, with information not consistant with the records I have saved. I only fear that the Attorney Generals Office will not pursue my case because they may lack a significant amount of complaints from consumers in Arizona related to my complaint. So perhaps, if you file your complaint with your States Attorney Generals Office, and if the other people that have complained here, file their complaint with their Attorney Generals Office; those Attorney Generals can join together in a lawsuit Action against Wells Fargo since they now have the power to enforce State regulations with a National Bank{Cuomo v/s The Clearing House Assc. 557 U.S.____(2017)}. Submit anyway, They will inquire with whom you have filed a complaint. At the least you will be able to add their reply as documentation for interpretation in your case

Wells Fargo and I had a Forebearance Aggreement that I was following when Wells Fargo decided to breach by stating on my monthly mortgage statement that foreclosure preparation has begun. If I wish to retain my property the loan must be brought current immediatly Total of Forebearance Agreement. Breaching the agreed upon Forebearance Agreement; then tryed to lure me into a deceitful Loan Modification by misleading, and requiring me to do so, and stating that they have investor approval, then making it look like I had requested the Modification. Trying to place the burden of a request on me. They say we must advise you your request for Modification has been denied for the following reasons: "We are unable to come to a mutual agreement." Whatever that is supposed to mean? Then foreclosed (10) days later, and sent me notice of sale (2) weeks after that.
I have tryed to retain an Attorney more than once! Useless... aren't any confident enough in themselves to battle with Wells Fargo. It's not a reason that I dont have a case, because I have saved every letter, Mortgage Statement, Bank Statement, even have a Customer Account Activity Report from wells fargo showing they received payments. I have paperwork situated in cronological order, along with the Arizona Revised Statues that were violated. I have a solid case with nowhere to take it. It is almost pointless to seek an attorney, especially like the first one I had who calls me to meet with him at his office. Upon arrival he asks me If I happen to show up to the Judgment Hearing? I said "No" you are supposed to tell me where and what I showup for. So he lost that for me! I have recently submitted a complaint with the Arizona Attorney Generals Office for Consumer Fraud directly or indirectly affecting State Commerce for consumers within the state of Arizona by deceitful and misleading practices used to obtain real property. So far Wells Fargo has replied back to the Consumer Complaints Manager with information intended to mislead the Attorney Generals Office, with information not consistant with the records I have saved. I only fear that the Attorney Generals Office will not pursue my case because they may lack a significant amount of complaints from consumers in Arizona related to my complaint. So perhaps, if you file your complaint with your States Attorney Generals Office, and if the other people that have complained here, file their complaint with their Attorney Generals Office; those Attorney Generals can join together in a lawsuit Action against Wells Fargo since they now have the power to enforce State regulations with a National Bank{Cuomo v/s The Clearing House Assc. 557 U.S.____(2017)}. Submit anyway, They will inquire with whom you have filed a complaint. At the least you will be able to add their reply as documentation for interpretation in your case

Wells Fargo and I had a Forebearance Aggreement that I was following when Wells Fargo decided to breach by stating on my monthly mortgage statement that foreclosure preparation has begun. If I wish to retain my property the loan must be brought current immediatly Total of Forebearance Agreement. Breaching the agreed upon Forebearance Agreement; then tryed to lure me into a deceitful Loan Modification by misleading, and requiring me to do so, and stating that they have investor approval, then making it look like I had requested the Modification. Trying to place the burden of a request on me. They say we must advise you your request for Modification has been denied for the following reasons: "We are unable to come to a mutual agreement." Whatever that is supposed to mean? Then foreclosed (10) days later, and sent me notice of sale (2) weeks after that.
I have tryed to retain an Attorney more than once! Useless... aren't any confident enough in themselves to battle with Wells Fargo. It's not a reason that I dont have a case, because I have saved every letter, Mortgage Statement, Bank Statement, even have a Customer Account Activity Report from wells fargo showing they received payments. I have paperwork situated in cronological order, along with the Arizona Revised Statues that were violated. I have a solid case with nowhere to take it. It is almost pointless to seek an attorney, especially like the first one I had who calls me to meet with him at his office. Upon arrival he asks me If I happen to show up to the Judgment Hearing? I said "No" you are supposed to tell me where and what I showup for. So he lost that for me! I have recently submitted a complaint with the Arizona Attorney Generals Office for Consumer Fraud directly or indirectly affecting State Commerce for consumers within the state of Arizona by deceitful and misleading practices used to obtain real property. So far Wells Fargo has replied back to the Consumer Complaints Manager with information intended to mislead the Attorney Generals Office, with information not consistant with the records I have saved. I only fear that the Attorney Generals Office will not pursue my case because they may lack a significant amount of complaints from consumers in Arizona related to my complaint. So perhaps, if you file your complaint with your States Attorney Generals Office, and if the other people that have complained here, file their complaint with their Attorney Generals Office; those Attorney Generals can join together in a lawsuit Action against Wells Fargo since they now have the power to enforce State regulations with a National Bank{Cuomo v/s The Clearing House Assc. 557 U.S.____(2017)}. Submit anyway, They will inquire with whom you have filed a complaint. At the least you will be able to add their reply as documentation for interpretation in your case

Wells Fargo and I had a Forebearance Aggreement that I was following when Wells Fargo decided to breach by stating on my monthly mortgage statement that foreclosure preparation has begun. If I wish to retain my property the loan must be brought current immediatly Total of Forebearance Agreement. Breaching the agreed upon Forebearance Agreement; then tryed to lure me into a deceitful Loan Modification by misleading, and requiring me to do so, and stating that they have investor approval, then making it look like I had requested the Modification. Trying to place the burden of a request on me. They say we must advise you your request for Modification has been denied for the following reasons: "We are unable to come to a mutual agreement." Whatever that is supposed to mean? Then foreclosed (10) days later, and sent me notice of sale (2) weeks after that.
I have tryed to retain an Attorney more than once! Useless... aren't any confident enough in themselves to battle with Wells Fargo. It's not a reason that I dont have a case, because I have saved every letter, Mortgage Statement, Bank Statement, even have a Customer Account Activity Report from wells fargo showing they received payments. I have paperwork situated in cronological order, along with the Arizona Revised Statues that were violated. I have a solid case with nowhere to take it. It is almost pointless to seek an attorney, especially like the first one I had who calls me to meet with him at his office. Upon arrival he asks me If I happen to show up to the Judgment Hearing? I said "No" you are supposed to tell me where and what I showup for. So he lost that for me! I have recently submitted a complaint with the Arizona Attorney Generals Office for Consumer Fraud directly or indirectly affecting State Commerce for consumers within the state of Arizona by deceitful and misleading practices used to obtain real property. So far Wells Fargo has replied back to the Consumer Complaints Manager with information intended to mislead the Attorney Generals Office, with information not consistant with the records I have saved. I only fear that the Attorney Generals Office will not pursue my case because they may lack a significant amount of complaints from consumers in Arizona related to my complaint. So perhaps, if you file your complaint with your States Attorney Generals Office, and if the other people that have complained here, file their complaint with their Attorney Generals Office; those Attorney Generals can join together in a lawsuit Action against Wells Fargo since they now have the power to enforce State regulations with a National Bank{Cuomo v/s The Clearing House Assc. 557 U.S.____(2017)}. Submit anyway, They will inquire with whom you have filed a complaint. At the least you will be able to add their reply as documentation for interpretation in your case

This company should be locked up for being incompetent. We applied for a home mortgage you cannot believe the hassles. Same documents over and over again, same faxes, same emails. Over night delivery sitting in a mail room. Not meeting contract deadlines, people going on vacation leaving their work load until they return. And the infamous underwriter. My questions about that are do they feed them? Are they in a basement with a 40 watt bulb? None of them have names except the underwriter. They have no phone extensions, all they do is pass the same papers back and forth. Some might say this writer is "sour grapes" on the contrary spelling out the truth is not sour only to some. It reminds of the movie a few good men, Jack Nicholson "You can't handle the truth" end quote.

I have a 15 yr. re-fi loan with them and whenever I call customer service, I always pray that I don't get stuck with a rep that is incompetent as the last. No luck.

It seems like everyone there is a recent graduate from the University of Stupidity.

I have a 15 yr. re-fi loan with them and whenever I call customer service, I always pray that I don't get stuck with a rep that is incompetent as the last. No luck.

It seems like everyone there is a recent graduate from the University of Stupidity.

I have had the same problem and every time a modification plan is completed they mess it up along with my income and the banking information. I send them copies of my pay stubs and they still get it wrong saying I make more than I do. I have been dealing with them for 9 months and now they want to forclose on my home because they have screwed up and I keep trying. I am so tired of dealing wth them that I want to sue the crap out of them!

I too, have been a victim of this bank for a year. If memory serves me, the BANKS were suppose to modify everyone's loan to a lower interest rate automoatically as the terms of bailout by our/US tax dollars.
They didn't.

IS THERE ANY LAWYERS OUT THERE TO TAKE THIS ON FOR US.!
1. FORECLOSURES NEED TO BE STOPPED RIGHT NOW, CEASE AND DESIST -- I mean in the last two years of being helped we now have 2.5 million homes foreclosred on and only 200, 000 loan mod's that took oh yeah this program works.
2.START AUDITING THESE BANKS AND THE MAKING HOME AFFORDABLE PROGRAM/HOPE. I from experience have had no progress at all, have contacted this bank w/no return phone calls,
contacted fed congressman, barney frank, paul kanjowski, OCC, the media, someone has to be out there to HELP US.
3. Fannie stop crying no one is strategically defaulting. We have no JOBS, no INCOME< No way to pay the mortgage. Fannie you too got ripped off by these banks and you blame the homeowner. NO STUPID TERRANCE IT IS THE BANKS! Take the servicer out of it. let homeowners make payments to the fed. and you will see the banks start to cooperate real quick.

Wells Fargo not only took the money that i gave them for my homeowner insurance and not placing the money in the principal as i request(504$) but, place the money in there interest .which left my mortgage as is (1478$). wells Fargo made my loan so hard for me to refinance, that no other leaders would not pick it up.the value of my home is less less then the value wells Fargo is selling it for.I pay 2247.00$ for property insurance, and homeowner insurance 504$. I'm 52 years old and there making so that i will never be able to pay my home off.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Best Regards, Janice L Brown

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

JUST PLAIN PISSED!

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

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

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

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

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

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

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

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

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

###, plain and simple.

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

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