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4.4 7548 Reviews

Wells Fargo Complaints Summary

624 Resolved
1094 Unresolved
Our verdict: Engaging with Wells Fargo, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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10:56 pm EDT
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Wells Fargo about 800 % ripp off

A Wells Fargo - America's Servicing Company

We are complaining horrific mortgage LENDER PLACED INSURANCE PREMIUM RIP OFF by American Servicing Company, American Security Insurance company, & Assurant Specialty Property. (American Servicing Company is A WELLS FARGO)

1.Exorbitant 800 – 900% Lender placed insurance premium without any notice. We provided Home owner’s insurance policy covering from Aug 2006, so there was about 1 month and 2 weeks of lapse which they claimed they notified us to cover from June 2006 which we never received and we demanded them to provide the proof of such notice but they failed to provide.
2.Excessive 800 - 900% gauging – if it is not illegal, it is willful exploitation. For mere 1 month 2 weeks short lapse, they charged insurance premium whopping $1568.52 ($1078 + $490.90), prorated abut $8000 yearly for DWELLING ONLY without any liabilities for COVERAGE AMOUNT $750, 000 while comparable industry average Dwelling only premium for that coverage is about $1200 YEAR.
3.Unilateral lender placement charge –BETRAYAL OF CUSTOMER’S TRUST. They unilaterally insured at the highest gauging amount of premium THRU THEIR OWN INSURANCE COMPANY WITHOUT CUSTOMER’S CONSENT. They betrayed customer’s trust to profiting themselves, which should be breach of fiduciary duty. This self-dealing insurance premium rip off is directly hurting consumer and should be stopped. When we complained, ASC replied they sent notice to us on July 17, 2006 which we never received and we demanded proof of notice they delivered to us but they refused it and failed to prove they gave us notice.
4.Unilateral deduction from Mortgage payment and started to charge late fee. Despite we paid full amount of monthly mortgage payments every month in time without any skip, ASC took the gauging insurance premium away from our mortgage payment unilaterally and did not applied our payments to monthly mortgage payment and started to charge late fee. THIS WILFULL EXPLOITATION IS HURTING CONSUMER AND MUST BE STOPPED. Despite of our complaints in the past a year to correct it, they are keep charging late fee and harassing to foreclose. THIS MUST BE STOPPED. PLEASE HELP TO PROTECT THE CONSUMERS. THIS IS WILFULL AND DELIBERATE EXPLOITATION BY GAUGING INSURANCE PREMIUM.
5.Retroactive insurance premium charge should be stopped – if not illegal it is wilful exploitation. OUR INSURANCE POLICY COVERAGE DATE WAS AUGUST 2006. ASC'S LENDER PLACEMENT INSURANCE BINDING AND NOTICE DATE WAS OCTOBER 2, 2006. NONTHELESS, ASC CHARGED RETROACTIVELY FROM JUNE 2006
6.ASC confessed it was their error not able to notify to us as ASC audit team discovered later there is no hazard insurance on our mortgage after they purchased the loan from Ohio Savings bank, this facts were confirmed by ASC employees “Miss SHANE, and Miss ALICIA both working in Frederick, MD office.
7.Despite of all above, not only there was no fire on my house during the lapse period but also WE NEVER MAKE ANY ERROR ON OUR SIDE for that short lapse, in fact it was their error as they confessed. Therefore it is very natural to grant courtesy and grace period for that short lapse, but ASC refused which proves that their practices are WILFULL EXPLOITATION, TRAP, AND PREDATORY TO HARM CONSUMER to profit themselves.

We are very very frustrated as they continue to refuse to correct it for the past year and giving us painful ordeal.

Please kindly help us let them stop this kind of ASC/Wells Fargo Bank's willful and exploitative practices as I believe this is their pattern of consumer exploitation not only us but others as well.

Sincerely yours,

Hy & Rosemaire Cho

ASC/A Wells Fargo
Mr Dick Kovokovich CEO
7495 New Horizon Way
Frederick, MD 21703

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10:39 am EDT
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Wells Fargo a real chance to stop them

Please, this is a chance to make a real difference with regard to the way Wells Fargo Auto Finance does business. I spoke with a Wells Fargo Rep this morning, and tried to make arrangements to bring my account current (I am behind a payment, like millions of Americans, I had lost my job, and only just recently got a new one). I informed her that I could make the current past due payment on Monday, and she flatly refused to accept any payment.

After having spoken to 3 different reps at the company, the best they would do is say that they wont accept the past due payment in full on Monday, and wished me good luck (I do have audio recording of this conversation).

Following the conversation, I contacted the Consumer Affairs reporter at one of the local network affiliates here in Columbus Ohio, explained the situation, and played him the audio from the call. After explaining to him what had transpired, and pointing out that Wells Fargo Bank had already received $25, 000, 000, 000.00 (that is $25 Billion) in bailout money from taxpayers, and explaining the lending practices, interest rates, etc. He has expressed a strong interest in doing a story on them.

I will be meeting with him next Wednesday to discuss what they are doing, and he thinks that they can be brought under fire for what they are doing. He feels that an expose on their practices can have a serious impact on what they are doing, and that the story of what they are doing does have a potential for full network coverage, if enough examples can be provided for what they are doing, it would be a great help.

Even if this doesn't stop them, in our local market, which is very substantial, it will put pressure on dealerships to stop using Wells Fargo Auto Finance, as well as other preditory lenders, as a source of financing, at least in the local market in Central Ohio. This is a large market, and if the only way to hit a company like this is in the pocket, this should do it.

I am asking for your stories regarding Wells Fargo Auto Finance in particular since they are tied with 2 other banks that have recieved more Federal Tax Dollars for "Bailout" than anyone else, and are engaging in the exact same practices that have helped lead to the current financial problems here in America.

This is a real chance to change them. Please, send your stories to [protected]@yahoo.com

I will review and submit them to the reporter during our meeting next week, and will send out responses to all with regard to the story and its' progression.

I will be posting this to every board I can find, and should you stumble across one that does not have it, feel free to post it there until May 5th (I need time to get everything together before my meeting)

Thank you
Jefferey Watson

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Darlene
Stockbridge, US
May 24, 2009 8:03 pm EDT

Jeffrey,
My name is Darlene I live in Atlanta GA. My husband is sick he is taking chemo. He has not worked lets see the last day was 2-23-09 and on and off as he could. He is a truck driver started taking treatment and the doctor took him out of work. and now he is out till 12/2009 I have paid on two cars i know 1, 000 in one month. i pay and make araingments with them. They tell me when I talk to the people in the day You are not in bad shap we just want to keep you under 30days. Well my husbands phone rings 24 hrs a day the weekend people are so ugly. They say I will come get you car ware are you at now. Then what is your address well you have it front of you do you not. Now they say if we come get one wet take the two you have with us. Well long story short They say I had a bounced payment in March. If you talk to the person I have his name and number he will tell you I did not they put all the payments I was making on one vehicle and tlet the other get 90day behind. so when they tried to fix it they have me so confused I do not know what to do. I am ready to just give them the cars back. I would likd to keep the truck it is my husbands he is sick and that is the only thing he wants to leave to our son. They say I can not do that If we take one we take all. Even if it is currect. They see I have paid ontime till my husband became sick. THEY WILL TELL YOU THAT. I am so sick of every Monday Morning my cars will be gone. Someone needs to do something with this company. Now we get notice they are changing the payment website. Even on my payment website when I go to make a payment I have a Extra account they do not know what it is and can not take it off. I SAY CLASS ACTION MY EMAIL ADDRESS IS DARLENELASS@CHARTER.NET. IF ANYONE CAN HELP WITH US.

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10:30 am EDT
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Wells Fargo poor customer service

Wells fargo customer service, loss mitigation department is a joke. I live in cincinnati and their location is somewhere in california.. I find this company to be elusive, unreliable, disorganized and just pathetic. We own 2 house (Statistic), cant get any help from them on payment arrangements, we had a loss to property which insurance paid for, but put them on the check to endorse. I can't get the company to endorse this check. They want it sent to them to put in escrow... Yeah right! I have already paid the contractors out of pocket. Now they want an inspector to come and make sure the work was completed. That is fine, but they will not tell me what company, and keep changing the date on how long company has to contact me. 5/3 bank has been easy and wonderful to deal with. I would never recommend wells fargo to anyone. This has been an absolutely miserable relationship and experience to deal with...

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mikec1363
Chico, US
Oct 07, 2010 12:36 pm EDT
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October 7, 2010

Dear Wells Fargo,

I am disappointed that your bank has recently terminated the personal banker that I have been using for the last several years. As I understand it, she was let go for a lack of new sales. Well, I am terminating my relationship with you for a lack of understanding that it is better to serve your existing customers than to obtain new sales.

Last summer my daughter's credit card was cancelled while she was in Honduras volunteering at an orphanage for five weeks. Her card was upgraded, automatically canceling her existing card. I contacted wells Fargo before she left the country to notify you that she would be out of the country for five weeks and where she would be. I was reassured that I took the right step contacting the bank beforehand. This debit card was the only way I could get money to my daughter.

When I was notified, in writing, that her card would be cancelled I called the 800 number and spoke to four different representatives and got two different alternating stories. It was an automatic upgrade or the card was compromised. Nobody could provide a through answer. I was switched from representative to representative. I never did get a straight answer. Nobody provided any customer service, except Carol Anderson my personal banker. She went the extra mile to arrange a wire transfer to a bank in Honduras so my daughter could get enough money to complete her stay and return home. She apologized that such a mix up could occur. Why would Wells Fargo upgrade a card when they had already been notified that the card hauler was going to be out of the country for five weeks?

Carol Anderson was the only reason I didn't cancel all my accounts at that time. Now you've gotten rid of the only person who was willing to help me during a crisis. If it is your attitude that customer service is secondary to obtaining new accounts, fine. Go get some new accounts, because I am canceling mine.

If yours is the type of bank that puts your bottom line before mine, then you're not the bank for me. One of the reasons I trusted in Wells Fargo was because Warren Buffet trusted in you. As a stockholder I'm writing Berkshire Hathaway to let them know that they should reconsider their investment in Wells Fargo, since the bank is cutting costs to spite its long term goals. If your only goal is to make money, good for you, but you make it from your customers and this isn’t the type of service that pleases customers.

Sincerely,
Michael Connolly

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kzaz
, US
Apr 15, 2011 4:47 am EDT

problem date: 04/14/11
Customer Service Supervisor Justin Mayes and female csr who would not give me her name. I found the customer service I received to be extremely unprofessional and atrocious. I filed a claim because there are fraudulent charges on one of my accounts, when I spoke to the female csr she was aloof and soon became combative when I asked for further explanation of the claims process. She put me on hold for at least 5 minutes and when she came back I asked to speak with a supervisor she gave me my claim number so quickly that I could not confirm if I recorded it correctly, as well as disregarded the instructions I had requested for the claims department to call me on my cell phone so I could hook up my fax and receive the proper paperwork to file my claim. She then proceeded to put me on an immediate hold for approximately 5 seconds and then proceeded to hang up on me. When I called back I reached a csr named Alex who was very nice and apologized on behalf of the female csr and said that he does not hang up on his customers. after I confirmed my claim number with him I requested, again, to be transferred to a supervisor. The supervisor I spoke to was completely apathetic and after I told him what happened his reaction to the situation was that of indifference. I told him I am considering moving my business to another bank, as well as pointed out that I have been a loyal customer since 1997. His response was "Is this your first bad experience you have with Wells Fargo's customer service?" to which I responded that this was not my first bad customer service experience I had received from Wells Fargo. Supervisor Justin Mayes said "Well if you would like to switch banks that is your choice" I asked him if Wells Fargo was even interested in keeping my business and he, again, told me it was up to me but there is nothing more he can do for me. I am so upset by this horrible customer service experience and absolutely appalled that a business would blatantly disregard a long-time customer, such as myself, if this is the type of customer service and behavior of their csr's and supervisors that they deem acceptable then I will choose to move my business and recommend that my family and friends move their business elsewhere.

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annoyedtexan
Lewisville, US
Jul 30, 2011 2:59 pm EDT

I have an insurance check I need Wells Fargo to endorse. First my wife tried to get it endorsed as both she and I are on the policy, but since her name isn't on the mortgage the branch she went too told her I was the only one who could get it in endorsed. So I took it in to a branch near my work waited for twenty minutes to be told both of us had to be present. WTF? Why? I asked, it is our policy. But she already endorsed the check and I am the morthage holder and the manager at the other branch said I was the only one necessary to b present to get it endorsed.
They act like it is their money. If they want to control the insurance, let them pay the damn premiums. This is why we stopped doing business with them a decade ago. I have been procrastinating on refinancing but I am not going to wait any longer, unless the damn government defaults and screws up the interest rates.

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former Wachovia customer
Wyncote, US
Apr 22, 2011 4:48 am EDT

Well, our Wachovia Bank has now become Wells Fargo - and it's a huge debacle! Money is taken out of our account 2, 3, 4 or 5 days before the payment due date. When i questioned why this is done, when Wachovia removed the money from our account on the due date, I was given a lot of mumbo jumbo - nothing that was a good answer. When i asked where my money goes for these days that I don't have it and the biller doesn't have it, I was told the money is in "limbo." I have to assume that this is a another way of saying that they are holding the money in order to make interest off of it.
Additionally, accounts that were set up to receive electronic bills and e-pay can no longer be viewed, such as the bills from Bank of America and Macy.
The local branch has been flooded with people compaining. My husband couldn't deposit his paycheck (written on a WF check) and get $300 dollars because he doesn't have an ATM card! What does an ATM card have to do with depositing a paycheck at the window? He has his business accounts at this bank - now Wells Fargo and will be pulling his companies accounts out - moving them to another bank!
Save yourself - don't get involved with Wells Fargo - ASAP i am switching banks!

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pobarjenkins
Minneapolis, US
Oct 07, 2010 12:48 pm EDT
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It can sometimes be cheaper for a company to get new customers than to keep old ones. Regardless, new sales are usually required to maintain a job in the banking industry, and since it seems as though your banker failed at that, she was rightfully let go in this competitive working world. Though no one can truly know all that contributed to her termination (there may be more to her story).

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Army Wife
Silver Spring, US
Apr 30, 2009 10:37 am EDT

Wells Fargo - Awful bank
Wells Fargo - DO NOT WORK FOR THIS COMPANY!
Wells Fargo - Illegal activity
Wells Fargo - unfair mitigation practices
Wells Fargo - Fraudulent charges
Wells Fargo - Awful company
Wells Fargo - terrible service
Wells Fargo - Unauthorized billing
Wells Fargo - Chg Billing Date
Wells Fargo - Overcharged

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Army Wife
Silver Spring, US
Apr 30, 2009 10:35 am EDT

I currently have an auto loan with wells fargo and they are the most rude and unreliable company I have ever dealt with. These cumter service are rude and they hang up on you! and speak to you any kind of way! I wish I would have never gotten a car loan with them because these people are disgustingly nasty! Do not do busy with These people. I authorized a payment and the funds were they're they waited 7 days after the initial due date... Then said I spend the funds when I called to complain they said I spent the money and I DID NOT SPEND THE FUNDS they are completely idiotic... I called to complain they said oh hold for a second and hung up! I called back 7 times and they different agent every time hung up... The have a script going that they can just hang up on you and blame it on another call center or agent! BE VERY CAREFUL OF PRE-AUTHORIZED ACH CHECK PAYMENTS ONCE YOU AUTHORIZE ONE PAYMENT YOU VERBALLY GIVE THEM THE RIGHT TO WITH DRAW THE FUNDS FROM THAT DATE OF AUTHORIZATION UP UNTIL 6 MONTHS LATER IF THEY WANT TO... PLEASE PLEAE FIND A BETTER BANK IF THEY'RE ARE ANY OR A CEDIT UNION WITH GROWTH OPTIONS!

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5:50 pm EDT
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Wells Fargo excess payment on car payment

I made 1 payment of $100 on the 23rd of April. When I checked my Bank Statement online. I noticed 2 payments of $100. I only authorized 1 payment. Since i feel it is no longer safe to make online payments because of this. I will NOT be making anymore payments online. I called your office and they said that they were not able to refund that additional $100 back into my bank account. Thank You

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Maureen_S
Mountlake Terrace, US
Oct 31, 2010 8:21 am EDT

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].

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katrinajennie
21 willow spring court, US
Jul 17, 2010 1:16 pm EDT

I think we as consumers need to take action against this type of theft that is presently unrecognized and flying under the rader. We need to contact some local attorneys and look into a class action suite against Wells Fargo. There are records on the internet showing that there was just another class action law suit against them not too long ago about taking eroneous fee's. Perhaps they have reverted back to business as usual already.

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11:40 am EDT
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Wells Fargo poor service and misleading /scam

Mr. Harry Schaefer, a retired consultant for Wells Fargo with 39 years experience in the mortgage business advised me to contact Wells Fargo about thier 3 step program in an effort to lower my current interest rate. He is currently working for another Mortgage Company. I have a current home mortgage loan with Wells Fargo in excellent standing. I contacted them on 3/20/09 to inquire about lowering my rate. After a 2 hour phone call pre-qualifing me, I was told I was pre-approved for their 3 step program, meaning no cost to me for any of the standard closing costs even the appraisal. My credit score is 802, my loan to value is only 63% and my debt ratio is only 30%. They were to lower my interest rate from 6.25% to 5.125%. After many phone conversations and repeated faxes for additional information and a phone consultation with Mr. Harry Schaefer it was determined that they were not calculating my debt correctley. I own my primary residence in addition to 4 rental houses. Two of the rental houses showed a small negative cash flow in 2007 due to remodeling 2 kitchens in 2007 and the other 2 houses showed a substantial positive cash flow netting a total positive cash flow of over $7, 000 for the 4 houses. Your underwriter is not properly calculating this income by showing the debt on the two mortgages with a negative cash flow instead of bracketing them as they are all four rented with verified leases on all. Futhermore, no major expenses were done in 2008. Also, my payment is being decreased by over $1, 000 monthly for the new finance.
1. Credit Score - 802
2. LTV % less than 65%
3. Debt ratio 30%
4. 2007 Tax returns supplied with 5 k1's completed for 2008 which show ample income alone without spouses income supplied yet as an extension has been applied for 2008 returns.
This is the most incompetent staff I have ever dealt with, I am in the Real Estate business for 25 years. I just called Customer Service to find out the status as no one has had the decency to call me back. I was told by a Linda White that she had no one I could talk to, not a supervisor or anyone and when I questioned why she responded that she was just a temporary agent and that she didn't really care what I did. I am appalled to say the least and if this is not rectified immediately I will post this incompetency on the local news as well as newspaper and what ever other relief I find available. Is this just a scam by Wells Fargo to mislead people to refinance and not approve anyone? If I can't be qualified I'm not sure anyone could be by your Comopany. By the way I have 3 loans with you all in excellent standing obviously with an 802 credit score.
I gave written authorization for my loan processor and her supervisor to contact Mr. Schaefer regarding this loan process and neither one bothered to call either of us and as I am closing this letter I still have not received a phone call back as I put 2 messages in first thing this morning.

Very Disgruntled Customer

Sherri Apakian Offer #[protected]
[protected]
Harry Schaefer [protected]

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tif
Orange, US
Jun 03, 2009 1:47 pm EDT

I have had nothing but problems with Wells Fargo since the beginning of escrow. It is now week 7 since the owner's of the property accepted our offer and WElls Fargo initially told us that we needed to only put 20% down then 6 weeks into the process they did a bait and switch and changed it to 30%. Of course this gave us no time to get another bank involved. We came up with the 30% and now, 2 days before the end of escrow, they tell me that they forgot to lock in my rate. We were initially given a 5.25% rate which changed to 5.125%. We were told that we would be locked in at 5.125%. They would not tell us what rate they are giving us today but the current listed APR is at 5.5%. What a bunch of scammers and incompetent employees they have. The whole process has disgusted us. Who do I go to issue a formal complaint? Aren't there rules and regulations in that industry?

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vesper
Seattle, US
May 06, 2009 1:14 am EDT

I was told all that WF needed to close on my loan was for WF to be furnished with my HOA's insurance binder and if I could do that within that day my loan would close on that day itself. (This request came 3 weeks after the appraisal of my home.) I immediately requested for a copy to be sent to WF.

A week later (end-April 2009) I received a call from my loan processor telling me that the underwriters are now requiring additional documentation (such as W2, paystub, etc) because these are new conditions imposed on all loans closing in May 2009. We could have closed early April 2009 had WF not dragged its feet on the application. So what happened to the minimal hassle 3-step re-financing process? I do not have a problem with furnishing additional documents, but I resent the fact I started the loan application process in March 2009 and furnished all requested documentation on WF from the outset. I had even offerred to furnish them my pay stubs and W2, but was told that that was not necessary.

I am just stupified by the actions of this bloody bank. My husband and I even have our savings account with WF. I asked to speak to the underwriters, but was told that she did not know who they were. I wrote an email to my loan processor and she told me that she forwarded the email to her supervisor whom she said was going to give me a courtesy call. It has been over 2 weeks already and I have received no call to date.

We are pulling our funds out of WF and will be banking with another bank. We are also looking to refinance the mortgage with another lender. Honestly, we would rather pay the originating fees and closing costs than continue to pay ingrates.

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G-Kay
Sierra Madre, US
May 04, 2009 11:18 am EDT
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Well, I just learned they denied my app as well. Due to temp work and obligations. Why is there a program like that at Wells Fargo? Isn't it to reduce the likelihood of missing payments? If I can afford to pay the current payment, how could I miss or not make $300 LESS payment?
I tried to talk to their underwriting, they said I cannot. I am calling back the loan officer who took my app...
Gee-Kay

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G-Kay
Sierra Madre, US
Apr 30, 2009 2:07 pm EDT
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I am currently doing the same 3-step refi by wells fargo. I sent everything in and I am waiting for their Underwriters to get back with me.
I hope I do not get the run around...

Garyian

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Wells Fargo state of america

Yes Last time I checked this is still America! I was born and raised here yet I walked in to my bank in the USA
and felt like I was in Mexico city. I live in the USA not Mexico yet my banks Posters are all in spanish with the exception
to some very small ones off to the side. I find this very disturding I would not mind 50/50 but not put before the English language.
THIS IS AMERICA NOT MEXICO ! ALSO tired of the mexican flagg being flown over here. This is America if you want to fly the
mexican flag than take it to Mexico and fly it on Mexico SOIL NOT America SOIL! Pledge allegiance To AMERICA OR GET OUT !

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depeche mode rules
Phoenix, US
Aug 17, 2009 2:23 am EDT

Get over it True American.

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Plasticgoat
Albuquerque, US
Jul 06, 2009 6:42 pm EDT

Maybe you should get out of New MEXICO if you don't like latin culture! Move to the sticks with "them" hillbill American Folks!

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nobsman
Miami, US
Apr 25, 2009 5:42 pm EDT

amen.

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nobsman
Miami, US
Apr 25, 2009 5:41 pm EDT

you are paranoic. if you go inside they will speak to you in engklish. all the papers and documents will be in english. just the fact that the bank is in a very latin populated area is enough for the bank to ad a lot more in spanish. lets not fight about who is more patriot and who is not, lots of latin blood has, is and will be bleed for this country and nobodie can denied. know what...they have rights too!

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Wells Fargo on-line payment system

All Wells Fargo Auto Finance customers use cation when making on-line payments. Two months in a row I have made on-line payments for my monthly car payment that have been credit to another customer's account. My account information was entered correctly but the system read the account number wrong because somebody else's account number is similar to mind. The customer servce representatives are totally unhelpful and are in no hurry to track down the missing payment in order to credit it to your account because they have received their money. But in the mean time, they call you about not receiving payment (which was already made) because nobody entered a note on your account that payment is under investigation. Wells Fargo needs to use some of their bail out money to upgrade their on line payment system because the representatives said this happens from time to time (like that's supposed to make you feel better when it's your payment that got credited wrong and you're the one getting harassing phone calls).

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Wells Fargo overcharged

I am very frustrated at how, in the middle of such a horrible economy, a banking institution can continue to use such lude if not criminal tactics to steal money from the American public.

My husband lost his job about six months ago and we have been struggling every since. He had the only income in our home and both of us are looking for employment now to no avail. We have 4 children and our share of bills to take care of. Every penny we have has to be accounted for. Yet, this bank in the past few months has managed to steal at least $2000 from our account- claiming that it is NSF charges, which they can not tell me how these NSF charges came to be.

Everytime I call the lady I speak with can only go around in circles and never fully answer my questions. When I asked if she had a supervisor that I could speak to, she informed me that her supervisor did not handle such issues. I want to know if there is anything that I can do to get my money back. This is ridiculous and horrifying that a company can steal from people and not be held accountable. This is just the last issue I had with the bank. As you can see we went from having a positive balance to almost $300 in NSF charges, though noone could tell me how this happened.

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Valerie
Valerie
, US
Oct 15, 2008 10:02 am EDT

The same thing happened to me as it did to Ralph. I too understand 'know your balance'. However it was my understanding that charges & deposits posted at midnight +/-. I get paid direct deposit on the 15th. On the 14th I checked my balance & it showed $55. I knew I had a $50 charge but there was no hold & I pretty much knew it would post that night but my check would be going in also. So I bought some items totaling less than the $55 that showed in my balance.

Like Ralph, I was charged an overdraft. They used the day the transaction was done, not the day it posted. I called Wachovia's 800 # first thing and was told there was nothing they could do. I asked 'Don't deposits & debits post at midnight, with deposits first?'

I was informed that the TRANSACTION was done on the 14th (even though it posted at midnight) and that my deposit didn't actually post at midnight. My deposit posted SOMETIME between midnight & 7:30 am. Though they couldn't tell me exactly when.

So, it doesn't go - deposits first, minus debits, equals balance. Wachovia uses 'fuzzy math' to their advantage and to hell with you. I'm closing my account with Wachovia and taking my business elsewhere. I'm a single Mother & like everyone else I don't take kindly to being stolen from.

Valerie
Valerie
, US
Nov 20, 2008 10:52 am EST

As others have written, this is really about ALL banks, I suppose. One Saturday I used my debit card for several small purchases. I had the funds to cover these purchases, and late that night the combined amounts of those purchases were evident from the balance.

On the following Monday, my mortgage company sent through an electronic debit that they were not supposed to. Instead of the mortgage payment overdrafting the account, they retroactively placed the Saturday transactions in front of the Monday transactions, causing $420 in overdraft charges, and I didn't have money to deposit to pay these charges, as we only had slightly more than the combined amount of these debits. what should have been a 35 dollar nsf fee became a $420 nsf fee. If this is legal, it should not be.

There is a video called 'maxed out', in which the fact that credit card companies and banks have become dependent on these and late and overcredit-limit fees for their profits. I am not an 'eat the rich' type, but it is in fact the poor and the poor-money-manager types that they prey upon. The well-to-do might not have even noticed such a problem. Am I the only one to whom this smells rancid?

Valerie
Valerie
, US
Nov 25, 2008 3:51 am EST

I can't believe the insane fees that Wachovia has charged to my account. Judging from all the reports I've been reading Wachovia has made a big pile of money by charging excessive NSF fees. In less than 24 hours my account went from a positive balance to being overdrawn by almost $300!

Upon closer examination I've discovered that this past year alone they have charged me upwards of $2000 in fees. I'm not rich and I don't have the kind of money it takes to withstand blows like that. Now I'm down to do I pay the light bill or do I buy groceries for the kids?

The government is up there in Washington sending the banks these large sums of money in a bailout. I'm sure that Wachovia will be getting their share of money from Uncle Sam. Unfortunately I'm on my own in this - there is nobody to bail me out. This most recent charge of $350 in NSF fees was as a result of a transfer that Wachovia made from my checking to my savings. I was unaware that the transfer was going to be made or had been made until the damage was done.

Believe me when I say that I am totally through with Wachovia. I've filed a complaint with the Better Business Bureau as well. I plan on closing my accounts with Wachovia as soon as I possibly can. I will never again do business with them under any circumstances. The only reason I really need a bank is because my employer requires direct deposit. Once I get away from Wachovia I will be very careful about how I do business with a bank again. I'm sure I can find a way to satisfy the direct deposit requirement from my employer and still use a bank as little as I possibly can.

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Martin
, US
Jan 07, 2009 1:36 pm EST

From November 17-November 20th I was charged 8, yes 8, $35 fees for NSF and overdraft fees. They refused to send through a $90 payment and that company was allowed to continue to try and put the payment through resulting in the fees. Last month they allowed an $1300 check to go through when all the funds weren't but were there resulting in one overdraft fee. I was fine with that. They obviously knew I had my paycheck being direct deposited and knew they would get ther $200 plus the $35 fee.

When I asked why they let the $1300 payment go through and not this one for only $90 the response was, 'If we know a check is for a mortgage or something important like that we will go ahead and send it through'.

Again I asked why they sent there 8-$35 charges through and not the $90 through and the response was, 'You should have contacted the company and told them to stop sending it though.' I said, ' you should have refused the payment once and stop letting it through and charging my account everytime you reject it.'

She was not effected and said it was not a banking error. I let her know that here company was stealing my money and that my daughter's tuition money was taken by them and got no reaction other than the same canned statement about policies.

She cared more about reading me the policies about what I signed when I agreed to ank with them rather that see the big picture...8 fees in three days for 1 transaction being denied over and over is STEALING!

Anyone out there who wants to get their money back and get a Lawyer, I'm in!

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Liza
, US
Jan 27, 2009 11:18 am EST

I too was ripped off by Wachovia bank. I had the same problems as everyone else with the overdraft fees. It gotten so bad with wachovia for a month I received none of my paychecks and they kept saying the merchants was holding my money and sending it thru when I have subtracted the monies from my account. At this time I still owe wachovia overdraft fees and have been fighting with them to refund me over 1200 of my money but they stated I was a new customer and they will not refund me my money even though it was there error. Please don't bank at wachovia they will rip you off royally.

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Patrick
, US
Feb 25, 2009 2:00 pm EST

We (my husband and I) became a 'statistic' in October of 2008. A company that had once employed over 8 employees was done with one simple eviction notice. Prior to that we had refinanced our house, taken out business line of credit and racked up credit card debt to keep our 10 year old business afloat. Needless to say, after October everything started to go into default. We now only had one income and we in process of filing bankruptcy. While trying to use my ATM to buy groceries, I was informed that it was declined. Knowing that I had money in the account I later checked my online balance. There was a charge from DOTS-payment to RVC account.

I called Wachovia to inform them that someone made an authorized draft on my account(which by the way was just enough to completely wipe out my account). They advised me that Wachovia had taken the money and that the 'other party' on my account had an account in collections. I have two small children. When asked how I was supposed to buy groceries I was informed that it was 'my problem'. I tried to leave the accounts open because of checks that I had out, but eventually their fees ate up every dime and I had to close them and pay the NSF charges anyway.

After a few weeks of being irritated and venting, I called Wachovia and asked them to produce the 'instrument' that allowed them to take funds out of my account. I was told, after bouncing to several departments, that when you open an account with Wachovia you sign what is called a Depositors Agreement and in that agreement is an Right to Offset. That means that they can take money from your account, without notice, for any monies owed to Wachovia. Wachovia has yet to give me an actual copy of this document, but I apparently signed it when I opened my account 12 years ago...So moral of the story...If you owe money, but still need to feed your kids, you better keep some cash out of the banking system!

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Collin
, US
Mar 27, 2009 11:26 am EDT

I keep a tight checking account. I made a deposit after the cut off time of 4pm through the wachovia atm at the branch. After making the deposit, the available credit rises the first $100.00 of the deposit. So in other words if you have $100.00 already in the bank, you make a deposit of $500.00 through the atm; just after the deposit you check your balance; the available amount of funds increases to $200.00.

After which, if you use your debit or make a check card purchase and the transaction goes over the $100.00, but less than $200.00, they send the transaction in overdraft and charge a fee. If you just get cash out of the atm less than $200.00 there is no overdraft charge.

When a debit is made, the internet shows the posting date as the next day, not the day of the transaction, yet they still put the account in overdraft. Check card purchase are just put on hold and the posting date is not available.

How can this be legal. If they are not going to allow the funds to be used they need not to allow them to be available or have some statement showing that the funds available are only available through the atm, maybe on the receipt. This seems like a bait and switch type thing, where they make the funds appear to be available, but when the customer tries to use them, other at the atm, they send the transaction to overdraft, they don't decline the transaction, they just charge the $22 or whatever overdraft fee. This caused two transactions of mine to go into overdraft, when I called and asked for the refund of fee, they agreed to give half back, but this is not good enough. But for now, I have not been able to get the other half of the fees.

No telling how many customers are having the same issue and are being charge fees like this. I am not sure how this can be legal because it seems to be deceptive.

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Samuel
, US
Apr 08, 2009 11:48 am EDT

Got slaughtered with overdraft fees. Every transaction without sufficient funds was charged $25 dollars to cover it even if the purchase was for $1.00. I over drafted about $120.00 in about 6 transactions, Wachovia charged me $250.00 in fees with more possible to come even though the institution and yourself is aware of the situation. I went to the branch to bring them cash so I can bring the account to $0 to stop from accruing anymore fees and they told me that due to the schedule of the transactions that more fees would be incurred and there is still nothing they could do to help. Wachovia's website posts the transactions at different times and dates then when they are actually made making it difficult to keep track. Since Wachovia claims this situation is not at all a banking error, Wachovia takes no responsibility or mercy but full advantage of a loyal customer. From this day on I will make an effort to tell anyone I know that banking with Wachovia Is A Banking Error!

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Drained Again
Stirling, CA
Aug 20, 2009 12:20 pm EDT
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I found one of the tricky, underhanded ways Wachovia makes money of you is when you want to obtain money from your account, you use an A.T.M. machine. I was not sure exactly what my balance was, so I asked the A.T.M. to display it . I was told my balance could not be displayed at this time by my Bank. Nice move on Wachovia's part, sure racks up the overdraft charges for them. I ended up having to guess my balance and overdrew my account by a couple of dollars.
Thus having to pay Wachovia $35 in overdraft charges.
Why cant Wachovia give me my balance from any machine when I ask for it . I am standing in front of a machine not a line-up in a check-out, there is no problem with me being embarrassed. I would prefer to be told I had insufficient funds than robbed of $35 in the name of Wachovia being benevolent towards me ! What a lie and a farce, it is legalized thievery at the very least !

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madaboutsomething
highlands, US
Jul 11, 2009 9:53 am EDT
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I would register a complaint with the FTC or FDIC online. Give them your account number and let them investigate. I think the FTC protects consumers and they have to investigate. Whether or not, they investigate banks, I don't know but I think they have too. The FDIC is the regulator of all the banking rules. I would register as many complaints with as many of these agencies as possible.

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Wells Fargo fraud / taken advantage of my medicated mother

Please read the outline below of how my mother was defrauded by this Wells Fargo Financial center!

Written by my mother:

I received a call from Jonathon Mancuso of Wells Fargo Financial around November 10th, 2008 to see if I would be interested in their services as I was constantly running at maximum limit with my Wells Fargo MasterCard. I told him I had been considering doing a consolidation loan and would possibly be interested, in either a consolidation loan or a second mortgage. We discussed what I had paid for my house on 2/07 which was $265K and that I had put down $125K at the closing and even with the real estate market decrease, I should still have equity in the house. He sent me an email on 11/10/08 requesting a recent pay stub, 2007 W-2, 1st page of 2007 tax returns, Home Declaration page on the homeowners insurance policy and my automobile insurance card. In the email I wrote on 11/11/08, I asked him what Wells Fargo division he worked for and he responded back in an email that he worked for the consumer lending division.

In one of the emails he requested my mortgage statement and the homeowners insurance policy (front page), my drivers license and the exact mileage on my vehicle. He said he needed the mileage so he could pull the value of it and list the value as an asset.

In between these emails, we had numerous phone calls and discussions. He informed me he was going to review all the documents and then make an appointment for me to come in on Saturday. I was taking the week of Thanksgiving off so we scheduled an appointment for the Saturday before Thanksgiving. That morning I woke up in excruciating pain and had my daughter call and cancel the appointment. I ended up spending that afternoon and much of the evening in the emergency room. The week of Thanksgiving and the week following that, I was in and out of doctors offices, emergency rooms, testing facilities, etc. I also had to call and cancel the rescheduled appointment with Mr. Mancuso on 11/29/08 due to my health issues. There were some phone calls between us during these weeks and we stayed in touch, but I wasn’t able to make it to their Wells Fargo office. I kept Mr. Mancuso abreast of the situations and my health condition, as I felt bad for cancelling the appointments after he had done research for me. On Saturday 12/6/08 I called to cancel that days appointment as I was not in good shape that day. My daughter and future son-in-law were taking me to the pharmacy when I received a call on my cell phone from Mr. Mancuso’s manager his name was Tony Sasso. He told me that his office was being fined $100 everyday for not closing out this loan and leaving it open and that he had only came in that day because I had a scheduled appointment. I told him about my health condition with two herniated discs and also a bulging disc, and what I had been going through the last few weeks and the heavy medications that I was on at this time. I told him I felt bad, but when I first started conversing with Jonathon Mancuso, I was not sick and had no idea about my illness until I woke up the Saturday before Thanksgiving. I made Tony well aware of my current condition as well as I kept Jonathon informed of everything the past two weeks. Tony then said to me that he would close out the loan today if I didn’t come in and that I was putting their office in a bad spot as they had kept this open for long enough, and were getting in trouble with their corporate office. I was in the car already and had my daughter drive me to their office so they could see that I was in bad shape but still interested in doing business with them. I didn’t know if I would lose the opportunity to do a second mortgage or consolidation loan if I didn’t show up.

My daughter and her fiancé stayed in the car and waited for me. I had told my daughter that I would not sign anything today but this way they could see what bad shape I was in and I would be able to see what they had to offer. When I went in, I was brought to a back office by Mr. Mancuso for him to explain what he had come up with to help me out. Basically, they were giving me a consolidation loan, but using my car as collateral, for a much smaller amount then what we discussed of $20K for a second mortgage. I didn’t fully understand what they were doing with the loan as this was something that we never had previously discussed. I was in the office for almost two hours. My daughter kept calling me on my cell phone to see if I wanted her to come in and I kept telling her no. It was taking so long that at one point, I sent my daughter next door to Wal-Mart so she could pick up something, to give me more time. She left and returned and I was still inside. During this time inside the office I had a nerve pain attack (from my herniated discs) and could not get me prescription pain pill bottle open (Oxycodone) Mr. Mancuso opened my prescription pain pill bottle so I could take a pill. At one point a few minutes later I then had a sweat/heat attack. I never should of went into their office in the shape I was in and they never should of let me sign any documents of any type. The paperwork was confusing even if I hadn’t been on serious medications. I received a folder with tons of warranty paperwork in it. There was a $916 warranty for the vehicle. When I questioned Mr. Mancuso about the warranty, if it was for the length of the five year loan, he said yes it was. This was a blatant lie, the next day I found out it was for only 12 months. There were also several checks in the folder. One check was made out to Sears for $3363.00, one check was made out to me for $1807.00 and there was a home security warranty check that really wasn’t for a home warranty, it had been cancelled, and the check ended up being made out to me for $509.00. I left their office that day with the above mentioned three checks, a folder full of mostly warranty paperwork. There were some papers, that I had signed that the copies were given to me, but the copies given to me didn’t contain my signatures, these were the copies of the paperwork before I had signed them. Tony and Jonathon said they would send me copies of the actual signed documents that I was supposed to get, but they were having problems with their copier/printer, that they would send by mail because of this. I never received them by mail. Also, my car loan with Chase Automotive was only 5.69% or 5.89%, why would I agree to a 17.99% with Wells Fargo if I had been in the right frame of mind and the right physical condition? When I left their office that day, Tony walked me out to my car and also got the exact mileage from the car.

The next day was Sunday the 7th. I was much less medicated that morning then I was the day before, when I started reading through some of the documents. I had a family member read through the documents as well and they were mortified. I called their office first thing in the morning on Monday the 8th. Since the office was closed on Sundays to speak with Mr. Mancuso and told him I was cancelling any and all contracts that I signed. He never once said to me that I couldn’t cancel. I told him I would be at his office before 6:00 PM that night to speak to them and cancel this contract. When I arrived at their office that night Tony Sasso brought me to his back office, along with my fiancé. My fiancé was very upset and asked him how they let me sign any documents in the condition I was in? I told Tony that I was here to cancel any and all documents that I had signed and he told me I couldn’t do that, he stated that only real estate transactions could be cancelled in three days. I told him I knew better then that, and I had three business days to cancel a contractual agreement. He continued on to say that he didn’t understand why I was so upset. I told him that mainly that the interest rate and the $916 warranty and because they had really pressured me into signing the initial contract when I wasn’t in any shape to do so. I told Tony when the whole thing started, and throughout all the conversations and emails over the past weeks, Mr. Mancuso and I discussed a consolidation loan and second mortgage for my debt solution, never once did we discuss a car loan. Tony said no problem he would take care of this and do one big loan, with one payment and take care of all my debt. I asked him why didn’t they just do this from the start? I never once got a real reason why they didn’t just do this from the start. But he said he would do one big loan, take care of all the debt and there wouldn’t be a $916 warranty on it, that I was upset about. He told me I needed to get him my last two W-2 forms and a few other things, and that he would be in touch with me in the next day or so. I did not hear from him on Tuesday the 9th but was pretty busy at work. I started to get nervous Wednesday afternoon when I hadn’t heard from him. At this time I tried to get him to put something in writing, on email, for what he was doing for me including not charging me for a $916 12 month warranty. After getting the run around, I knew I had to protect myself and that’s when I sent a fax stating that I cancelled the any and all contracts signed with Wells Fargo. I also waited until I got a fax confirmation receipt so that I could have proof that I cancelled this. If they didn’t receive the fax why wasn’t he calling me to do the big consolidation loan?

Events with District Manager of Wells Fargo Office:

I called three different Wells Fargo Financial offices, before I had found someone that would at least send an email to the District Manager to call me. This rep sent an email to the DM and then called me back a few hours later to let me know that she was off but had emailed her back to say that she would be calling me Tuesday the 19th, the next day.

Michelle the DM did call me on 2/19/09 and she said she was briefed by the rep of my situation. I only got to tell her part of the story but she seemed very receptive about helping me. She told me she needed to check into a few things, make a few phone calls and she would call me back the next day Wednesday. I informed her that I had a later afternoon surgical procedure so please try to call me before 4:00 PM. I didn’t hear from her on Wednesday nor did I hear from her the following day Thursday. I started to get nervous once again and Thursday afternoon I called a local office to send her an email asking her to call me. Thursday night, after 6:00 PM, she left a message on my cell phone voice mail stating that she was waiting on one more call back to resolve this issue but she had it and I quote “ 99% resolved” and she would call me back on Friday.

That Friday a little after 3:00 PM Michelle did call me. She was very ’hurried’ on the phone and told me that she had figured out the best and easiest way to resolve this issue. She told me that she had cancelled the original checks that I had in my possession from Well Fargo. But then she proceeded to tell me she re-issued new checks to replace them. One of the original checks had been made out to Sears for $3363 and the replacement check (for this one) had been made out to Wells Fargo/Nancy Mish and that all I would have to do is sign this check and send it in to Wells Fargo Auto. She then told me the two other checks for $1807 and $509 were re-issued to Nancy Mish so I would have to deposit them into my checking account and write Wells Fargo Auto a check for those two amounts. She told me there was nothing she could do about the $916 12 month warranty as the warranty company already cashed the check. She said I would have to call that company and cancel the warranty and they could reimburse me for the dollar amount of the warranty that hadn’t been used and then I would have to pay that amount to Wells Fargo Auto. I objected and said it should cost her guys that, they put this loan through not me as I had cancelled this loan. We went back an fourth and she said this is the easiest way to pay off this loan and that I needed to pick up those new checks from the Port Richey Wells Fargo office (the one I had originally dealt with) and get those payments to Wells Fargo Auto. I asked her if Wells Fargo Auto knew the transactions of this week and what she was doing. She said that she had not spoken to anyone at Wells Fargo Auto and that I needed to call in the payment before they repossessed my car. I told her I was not going to make a payment on a loan that I had cancelled as that would make me responsible for that loan. I asked her to send via fax or email, a statement as to what the balance would be. She refused! So I asked her if that office could do so and she said no that I would just have to figure it out myself. She said that I would owe for the warranty, doc stamps, some title fee, interest on the account but she absolutely refused to put it in writing, the amount I would end up owing I asked her to give me five minutes to run out to the car to grab my folder so she could go over everything with me and she said she was in a hurry and had to pick up her child. She also said she was going to give me a good piece of advice that I really needed to call Wells Fargo Auto and make a payment before they repo my car.

Please Note: I only know the D.M. as Michelle No one would give me her last name or phone number including her.

Nancy M.

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Very Disapointed
Pensacola, US
Aug 20, 2011 6:51 pm EDT

They (Wells Fargo) are slick people to deal with. The rep handling the loan gets a great commission from setting up these loans. They'll tell you anything to get your signature on the loan papers. I'm still reeling from a re-finance loan I made in 2007. At 10%, high payments and inflated closing costs. They have been trying to re-finance my existing loan - should I---When pigs fly!

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Your Money
Belleview, US
Dec 06, 2009 5:03 pm EST

Dear Editor of St. Pete Times,

Over the last year the average citizen has heard, seen, or read how the big financial investment firms have been crying to the Federal Government for taxpayers money to bail out their bad investment schemes. As if on cue, the lawyers, the investment advisors, the pocket corrupt politicians knock each other over to take the American taxpayer on a long rough ride to foot the bill for all three of these groups to keep on partying never mind being held responsible for their mistakes.

I write this letter to your newspaper because one of these groups - the investment advisor - Mr. Scott Pugan of Wells Fargo of Port Richey, Florida is greatly under the delusion that the $6600 of my father-n-law’s money market account belongs to him. Over the last year, my father-n-law’s money market account has gone from $7800 to the current $6600. My father-n-law died in September 2009 and my wife and only daughter and legal heir to his estate, with testate Will in hand has been repeatedly mislead, given misinformation, and shipped, transferred to office staff or to other personnel in other states in her legal right to obtain her deceased father’s waning money market account from financial advisor Pugan who appears to have total disregard for Florida Probate Stature enacted by the citizen elected state representatives.

This fiasco in dealing with Scott Pugan of Wells Fargo Financial Advisors of Port Richey, Florida is a small example of the corruption that we are seeing in Washington, the business world, and the Federal tax structure that is placed on average Americans. Wells Fargo, who is under several state and federal investigations, demands that the fat-cat Washington politician bankroll their bad investments, however, when Joe America wants to close out his/her account and try to stop the sucking away of a man’s hard earned money, Mr. Scott Pugan of Wells Fargo of Port Richey, Florida plays the delay, deny, and don’t contact me game with his not earned client.

We need to wake up in this country before it is too late and take back control from the lawyers, politicians - who are mostly lawyers - and insurance/financial advisors. They are destroying one of the greatest gift ever given to mankind. The gift that is so simple, but it has been so complicated by these “well crafted professionals” dressed in 3-piece suits. My father-n-law worked most of his life, earned his own income, paid taxes, and saved money to leave to his family. Our greatest gift that was paid by our ancestors was to live life with the simple truths that are self evident - that we are created by God to partake in life, liberty, and the pursuit of happiness. Given the last year in the financial meltdown, these same people - the Scott Pugans of our country control the politicians to force the taxpayer to bail out their horrible financial train wreck, however, my wife - a legal heir, personal representative, only child and bereaved daughter have spent the last 3 months jumping through one hoop after another to try to wrestle free money that legally belongs to her. Yet, Wells Fargo still has the money.

I wonder how many other average Americans are getting the shaft from the financial, political, and governmental Scott Pugan’s of our nation? My only son is on the verge of being deployed to the Middle East. Is he going to defend what my wife, our children, and myself strongly believe in - that America is man’s last best hope - the hope that so many in the past were willing to pay with their very lives. Let us not forget, we cannot and must not forget the self evident truths - the right to life, liberty, and the pursuit of happiness is not for sale at any cost to the Scott Pugan’s of this country. The brave men and women that are fighting in the Middle East are definitely not over their for the corrupt Scott Pugan’s of the world, but; they serve because deep in their hearts they believe in these self evident truths.
My advice to all Americans is to stay clear of Wells Fargo and other financial investment firms that are holding “your” money.
These firms pay big bucks for fancy advertisement about much they care and love your family; however, the truth is that when you want to close your account out, your money becomes their money.

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Former WFF Manager
Tulsa, US
Sep 29, 2009 1:02 pm EDT

I know it is late, but the DM is Michelle Dempsey whose office number is [protected] and her boss is Bob Good [protected].

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JoshuaB
Birmingham, US
May 02, 2009 12:43 pm EDT

TrinityGuy, Mrs. Mish, I can say with the greatest sympathy that I understand your ordeal and have recently went through something very similar, just not w/Wells Fargo Financial. Just reading your story makes the hairs on the back of my neck stand up. People like this "Michelle" should face criminal charges. What they do to people is worse than...well, lets just say I'd rather be mugged (it's not nearly as traumatic physically OR emotionally, being mugged, that is) than go through that again!

But I would love to know how you, or she came out of all of this? post an update!

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Wells Fargo annoying calls from [protected]

We don't have any business with Wells Fargo. Earlier we were bothered and annoyed by Wells Fargo Auto Finance, now it's Wells Fargo again. This time the phone number is [protected].
It was a pre-recording message. The brief introduction is "Hi, this is Sarah from Insurance Center at Wells Fargo.." It said the car we finance with them was not insured and by law we have to buy insurance. It also said we need to provide them this and that by calling [protected].
Below are their call logs:
4/14/2009 11:33 am
4/15/2009 10:56 am

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Wells Fargo visa credit card

I transferred a sizeable balance from a credit card with a huge interest rate to my Wells Fargo VISA who was offering a very low (2.9%) rate on transfers. The first month and a half after, Wells was overcharging me on the interest rate. I called and they agreed they were at fault and would refund the overcharged interest rate. I asked what about the inflated minimum amount due, and they told me it would be much less, and rather than the over 400.00 it stated, I could make a smaller payment without a problem. My payments are done automatically thru my WF checking account online. When I checked my account I discovered they had made the original 432.00 minimum payment instead, which would overdraw my account. When I called, they told me that the information I had been given previously was incorrect and that they could not change the minimum amount due to fedral laws prohibiting it! Yes, they agreed it was all due to their mistakes, but unfortunaely for me there is nothing they can do about it. And if I dispute the payment, my credit card will show that I failed to make the minimum amount due and I will be assessed a late payment fee as well! I feel as though this is just another way they have found to screw the customer over again. And what is to keep them from doing again? Nothing really, and I have no recourse. And why are we bailing out the banks again? So they can keep on doing dirty business practices that line their pockets.

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Wells Fargo will not apply payment

On april 7, 2009 I received a letter by certified mail from wells fargo home mortgage, (address on letter - wells fargo home mortgage - p. o. box 9039 temecula, ca [protected].) we are aware that we were a month behind on our mortgage (or should I say partial payment behind.) the letter stated that we were in default and that if we did not pay the total amount listed in the letter by may 5, 2009 they will accelerate the loan, and start the foreclosure process. the amount listed was $2, 251.39 this amount broken down was — $341.00 (the remainder of the payment for march - $600.00 had already been paid) $907.54 for the month of april (stated due within the next 30 days) and $907.53 (for the month of may - not due yet!) $95.00 tacked on for ("other charges" - not disclosed what the charges are for - just "other charges." best guess this is a fee for their supposed drive by inspection of the property, nobody ever comes to the door, or leaves anything saying they were here, or drove by, if you call customer service, and confront them about it they just say they "drove by" and tack on a fee for it.) we had already paid the $600.00 of our $907.53 payment for march, on april 3, 2009 - due too economy and decreased hours at work. this payment was immediately taken by wells fargo home mtg. and but not put towards the payment of the mortgage, but instead set aside in a "suspense account." on april 10, 2009 we paid the remainder of the march 2009 payment, in the amount of $342.00 (this included remainder due and late fee, the money was drawn from our checking account by a teller at a branch wf bank, and the payment made to the mortgage account immediately by the same teller.) wells fargo home mtg. again accepted this payment as well, but immediately put into the same suspense account - and did not! apply the total amount to our mortgage for payment for the month of march which would have only made us owing for the month of april which is now currently due, and will be paid within the month. instead they are putting the payment in the "suspense account" - not applying it to the payment, and stating that we are still in default and if the total amount is not paid balance being $1, 309.39 by may 5, 2009. they will accelerate the note and start foreclosure process. I find it hard to believe they can intentionally hold these funds not apply them to the mortgage, and then serve you with foreclosure papers for default or nonpayment. something seriously needs to be done about this company,. I don't believe they are there for the consumer, but only for themselves, and don't care who they step on or what they do. I truthfully feel there needs to be a class action lawsuit against this company for deceitful practices, so that the 1000's of others like myself and everyone on here, that have the same problem with wells fargo home mortgage can see something done about it, and stop them. I feel wells fargo home mortgage calls in excess as well when they call my home, they call 3, 4, 5, 6 times a day, call during hours that I am at work, nobody is here! and do not! leave a message. 1 phone call is plenty, and leave a message for pete sakes!

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wellsfargocustomer
, US
Jul 16, 2016 5:58 pm EDT

I have 1/2 of my mortgage payment come out of my bank account on the 1st and the other half come out on the 15th. This way I do not have one big payment come out at once, but rather, spread it across my paychecks. Each month they place the funds received on the 15th into an "unapplied" status until the other half is received on the first, then they apply the total towards my monthly payment. I want to know the federal regulation that allows them to do this. They do not pay me interest, nor apply it towards my principal balance, until the 1st of the month. The only thing I can assume is that they do not want to apply the funds to my loan balance because to do so would result in me paying less interest overall, and pay off my mortgage more quickly. Any and every other creditor I have applies all payments immediately, and I thought this was required. Why is Wells Fargo an exception? I am thinking a class action lawsuit may be in order here.

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Dawn Schweiker
Moorestown, US
Feb 03, 2013 10:24 pm EST
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I agree. I am current on my mortgage payments, but, while trying to do a modification, they placed my 2nd mortgage in default and marked it as charged off. Even though payments are made, they place them in 'suspense' and every month, i have to call and have the payments applied correctly. there definately needs to be a class action suite against them. Please call me if you know of anyone qualified to take the case. Ken/Dawn Schweiker [protected].

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whatever-bankguy
, US
Apr 22, 2011 10:08 pm EDT

whats up with the all caps? Do we have to realise when the bank receives 5 checks against are account, 4 of the for $1 and one for $5 with only $5 in the account that the bank has to clear the checks in order of the $5 dollar one first so that they can bounce the other four? That is of course until a law is passed to protect the public against the moral-less act.
We have to realise that too? or not?

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dteeple73
New Kensington, US
Nov 15, 2010 2:32 am EST

Wells Fargo is not the only only doing this! I am in the military and in November of 2008 the compnay I worked for closed down due to lack of bussiness. I joined the military to make sure my mortgage was paid, it was hard on my wife and kids due to the fact I was gone for 22 weeks but it paid the bills. When I was getting ready to come home from basic training in July 2009 I call Bank of America which is our mortgage holder to apply for a loan modification to lower our payment. They sent me an acceptance letter with the terms and agreement on it, it stated that my payments would be $657.00 starting October 1st 2009 and go up just a little by about 10 dollars on October 1st 2010 which was fine. On October 1st 2009 I made a payment for $675.00 and they stated that it was applied to my account. I then missed three payments because I was not working, but in March 2010 we got a income tax return for $10400.00, I immediately called Bank of America and spoke with a girl named Kimberly! I asked her how much did I need to pay to get my mortgage caught up and to pay one month ahead? She stated that I needed to pay $2, 660.00 and that would also pay me through April too as well! I paid the amount(check by phone) and I also got a confirmation number. At the end of March my wife calls me at work and states that we recieved a ACT91 notice in the mail. I called Bank of America and asked what had happened, they stated that after I made my payment on the 8th of March, 11 days later my home was put into foreclosure status on the 18th. I spent all of April calling Bank of America, I spoke with 21 supervisors and they all said the same thing "Sir we made a clerical error, We will correct it and contact you with in 24 hours!" But they never did! I hired an attorney in May (waste of time!) they were loan modificaation attorneys! I had already accumulated all the information that was needed to correct the issue, they needed to only contact Bank of America and have it resolved, but after I gave them all the monies that they wanted, they stopped calling and working on it! The new company that I was working for also closed down on October 1st 2010. They stated that because I was not working there was nothing they could do! They had from May 2010 to October 1st 2010 to resolve it. None of the monies since October 1st 2009 have not been applied to my mortgage account! They all have been put into a suspention account, now I owe over 12k and they are selling my house on January 3rd 2011 for sheriff's sell. I have wrote to two congress men about this and they start to investigate it and when they do Bank of America calls me and apologizes for the whole issue and say they are going to correct it, but never do!
I UNDERSTAND! AND I AGREE that something needs done ASAP!

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frustrated again and again
, US
Oct 27, 2010 10:52 am EDT

I am still going through this. In 2008 I asked about aloan modification. We were bi-weekly but in danger of falling behind on our ARM at Wells Fargo. They tacked on a 95 fee. I called and complained and they removed it since I never filled out any paperwork for a loan modification because they turned me down before I ever sent in paperwork. Then in 2009 January we were running a little behind but never went beond 30 days. Then in April we finally got behind by 29 days on our March payment. They sent a certified letter with a 95 fee tacked on again. We paid everything totaling 4595 to pay one month ahead and make up for the last payment, interest late fee and that 95 fee. Again that 95 fee popped up this last month. We have been bi-weekly and perfect for 18 months. That 95 fee is a Broker Price Opinion. They do this when they intend to foreclose on a property. The Customer Service agents play like they dont know and noone can come up with an invoice or proof that anything was ever done. I am sending them a demand letter via certified mail along with a certified letter to the Attorney General for the State of Texas. I want that fee removed and I also told them to go down the road and try to foreclose on people that are actually behind...way behind. Like an investor who is trying to have a tax write-off for themselves not someone who lives there and tries to make payments on their Homestead. This is corruption at the HIGHEST level. They did not want to help when I was strugglinga nd now they are stealing when I am current. If anyone out there has the same problem with this so called 95 fee, please post a response to this. I am tired of their business practices. They need to be dealt with They have me in Loss Mitigation when I call in even though their computer shows me current with no lates. Scary

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Jim M.
Coopersburg, US
Mar 06, 2010 8:38 am EST

They are doing the same thing to us and someone we know. I am talking to a lawyer on Monday, who is already handling cases against Wells Fargo for the same thing.
I'm thinking 'CLASS ACTION LAWSUIT’
Way do they think they can get away with this?

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SA Cater
Decatur, US
Aug 12, 2009 1:50 pm EDT

I am going through some similar things with them also. I was issued a forbearance in November of last year. I was only two months behind. I started the forbearance in December and paid all the payments on time and has not missed a payment since. My husband and I both worked for a GM parts supplier. I was presented with a two weeks notice in November of 2008, I immediately called Wells Fargo, and asked them to modify my ARM. They informed me that they would get the loan modification done. I had to go for a month and a half without any income. I called them again and they told me that they could set me up on a forbearance . They sent my husband and I the paperwork to sign, when I read the $4, 000 balloon payment, I called them and said that I couldn't do the forbearance because I couldn't afford the balloon payment. Customer service rep. told me that the balloon payment would be pushed to the back of the loan, so we went ahead and sign and mailed it back. Made all payments every month, and when balloon payment was due made my monthly payment. Got a letter about 30 days letter saying that I didn't qualify for loan mod. and that I needed to send in the $4, 000. I immediately called them and asked why the balloon payment wasn't pushed to the end of the loan, and they told me because we didn't qualify for the loan mod. I expressed to them the rep. I talked to never told me that I had to be approved for the mod. in order for the balloon payments to be pushed back. I was on the phone for hours, reps. constantly telling me that I couldn't talk to anyone in loss mitigation, because they didn't want to deal with us anymore. I finally got in touch with a credit specialist working with Hope for Homeowners and she made a conference call to Wells Fargo. They talked with she and I and told me to resubmit a hardship, etc..
Trying to keep my home my husband and I sold some possessions . We made a payment to Wells Fargo on 7/7/09 of $3300. I later find out that they didn't apply the payment until 8/6/09, which put more behind because still wanted me to pay the $4000 balloon payment. I received my statement called them and asked about how they posted this payment and why didn't the extra $750 I sent didn't apply to my account. They said they had held all my money in a suspense account, and charged me and extra $98.92 for a foreclosure fee. I told them that I hadn't received any papers from a lawyer or them concerning them pursing foreclosure. Rep. then switched me over to collections, Collections refused to take charge off my account.I was them switched to another rep. was on the phone for over 2hours, without accomplishing any thing with them. I wish the government would do something about Wells Fargo and their abusive practices, and the rude customer service.

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Juliesleo
Shelby, US
Jul 20, 2009 7:16 pm EDT
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I would ask for a Complete lifetime payment history of your loan for your records and see if everything you have paid is shown on it. Make sure to keep all you receipts for payments. sounds like they are double billing you the 2400.00.
Request all promises in writing and make sure they received to loan modify requests.

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DougS
Hazel Green, US
Jul 17, 2009 11:50 am EDT
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Spring of 08, my daughter, son-in-law and 3 yr old granddaughter moved in with my wife and I due to him getting laid off from his job.
While he did odd jobs for cash and helped when he could while looking for a new job, it put my wife and I behind on our bills. Utilities went up, gas for vehicles used went up, groceries went up, etc., etc.
Contacted wells in Nov to arrange payment options to get back on track. Didn't hear back from them until Dec, when a lawyers office sent me a letter wanting me to let an appraiser into my home to appraise it's value for foreclosure sale. WHAT? I couldn't believe it!
I called the lawyer office and they wouldn't talk to me without authorization from wells. I called wells and they told me to call the lawyer and ask for a "reinstatement amount". In the meantime, I gave them my information for a "loan modification" program. The lawyers office said I need to pay wells $2400 to get reinstated. I did.
I called wells again to verify they had recieved the $2400 and they had. The guy then tells me that my payments would be suspended until the loan modification cleared, and that I wouldn't have to make a payment until May (this was in Jan). I still sent in payments.
In May, I authorized my bank to do electronic 'bill pay' to wells, 1/2 my monthly each two weeks. I recieved a letter from wells, my 'modification' letter, that said for me to pay $1900 in May, $972 a month for 6 months afterward! My monthly is only $554.
I called them back and told them I couldn't afford that, could they please put what was owed on the end of the loan and let me continue to make my $554 payments? They told me to resubmit another loan modification form, with all the same information as before, and they'd let me know in a couple of weeks. Didn't hear from them until July. Got a letter in the mail again from a lawyers office wanting me to let an appraisor in again. I called wells again. The lady told me to resubmit my hardship letter and all the other things AGAIN. Meanwhile, all the money I've sent in hasn't been applied to my loan, therefore, putting me further and further behind, and racking up more and more late charges and fees. Why won't they work with their customers? Wouldn't if cost them less to help them than to take their home and sell it in this market?
PLEASE HELP IF YOU KNOW HOW I CAN GET OUT OF THIS MESS!

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Shellycole75
Madison, US
Apr 14, 2009 9:30 pm EDT

The same thing happened to us! I made EVERY payment on-time from September 2006-January 2007. I didn't realize I was shorting the payment by $20.00. They accepted all the payments I made and placed them in a "Suspense Account" (Unapplied Account). We ended up in a HUGE MESS! Thanks for your comment. I thought we were the only ones!

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Wells Fargo 7 month ordeal

Unbelievable incompetance and lack of basic human descency. In Setpember of last year I made a payment over the phone. I have had this account for several years, never late. I had changed my bank account the payment would come out of. I gave the Wells Fargo employee the new account info but he submitted the payment through my closed account. It was of course returned. I get a letter telling me to rectify the situation by a certain date or they would increase my interest rate. I called immediately, they already increased my interest rate of 11.75% to 19%, the letter lied. So a very nice lady reversed the late fee and the bounced check fee and gave me her word that she would get the interst rate reversed.
The next month I get the statement, the interest rate has not been corrected. I call. I am promised it will be fixed.
The next month...
The next month...
The next month I speak to a supervisor, we'll fix that he says...
The next month...
And than again...
Guess what?...

Now it's April of 2009. The Supervisor did not do what he promised and now there is a new Supervisor. I find this out when The old supervisor does not return my call. He still had a voicemail and I believe it is still his. He still works there. Anyway I call the nice lady, she hooks me up with her new Supervisor, who does not return my several calls. I call her a couple more times as the supervisor will not call me back. Still no call and now the nice lady has vanished. Her extension has been changed and when I call she is "unavialble", and she no longer has a voicemail. The newest customer service (that's a joke) person says that the new supervisor called me and I hung up on him? Apparently there's a notation in the computer. Absurd and an out and out lie.

And until now, I remained calm and respectful and patient.

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Rosemary Wakeford-Evans
Carmichael, US
Jan 15, 2011 12:45 am EST
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I am also a victim of Wells Fargo customer service. I asked them to close an acct I cosigned for son I could pay on it without my son using it again. They called me 3-5x qd and acted like my request was just a cop out not to pay .
I was treated very rudely like I was a [censor], threatened with legal fees.
I sent them 3 letters which they have online and talked to them 5x.They did not bother to tell me the acct was closed until I told them I was going to file a complaint against them . It took almost 4 mos ? I think they train people to be stupid and rude so that they can get away with costly errors on their part. They earned 300.00 in interest by witholding that information . Most people dont know how to complain. My complaint already cost them about 150.00.

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Wells Fargo horrible company

I really feel like after reading these posts that we need to do something about the way that wells fargo handles business (at least in the auto finance department - I have great customer service with their mortgage department & personal banking) anyway.in the last year, my fiance and I hit a very rough patch with the purchase of a new home & then not too shortly after, we both were laid off. unfortunately, our car payments got a little behind.

We immediately called to let them know what happened and they said that they would be willing to work with us to make sure we stayed a float. i've never felt so insulted by a company in my life. they did nothing to help us except tell us that signing up for their insurance would lower our car payment - their car insurance is $150 more than we pay now. so we said no. ever since then, we've been trying to make the payments as best as we can.in the last 6 months now, we've received over 364 calls from them. with every call, the person gets a little more rude.

We set ourselves up on payment plans and was told the calls would stop... they didn't. yesterday (4/12) was easter sunday - guess who called my home 9 times?! they started to call my fiances new place of employment so many times that they threatened to fire him. we told wells fargo to stop and the calls did not stop. they ended up having to change his phone # at work. I asked to speak with a manager after we made 3 months worth of payments in one month and the calls still continued... I was told the manager would do nothing to help me because we were 'irresponsible and immature.'

From day 1 - the first day I had lost my job - we made sure to call them to let them know our income was going to change. we tried our best to stay on top of our bills even with both of us laid off for a short time and stay in communication with wf auto finance and they still continue to use threats and call us liars. we were told we were 3 months behind, so we paid the 3 months as soon as we both got paid from our new jobs in one lump sum plus the payment for that month that was due... according to the calculations we've been keeping, we've paid more than we were supposed to... yet the calls still continue... every hour, every day... with threats & demands for money.

They keep no record of any past conversations - just a heads up. you could call 3 times in one day to this department and they would have no record. make sure you keep track of every conversation you have with this company and every payment you make. they are a horrible, horrible department.

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Jun 03, 2016 8:14 am EDT

I have never seen such incompetence in a huge company such as WFAF-The customer service is awful to put it nicely. I have tried to get in touch with customer service on multiple occasions and no one seems to know what the F they are doing. I get passed from one department to another and I am tired of it. I can spend 45 minutes. I call one # and the lady tells me I need to call the # I just called. She says that there must be an overflow of calls and I got automatically transfered to her. So I ask if anyone there has a clue because I've called that # many times and it always seems to be a problem. Then when I ask her if I can speak to someone in charge she says she can't help me, I have to call the lease department. I just called and I got her I explained for the 100th time. The whole experience over the last few years is why the our economy is in the toilet. Beacause these people shouldn't be allowed to answer phones since they obviously don't know what's going on. WFAF should never be allowed to service anyone or anything. It's amazing that they are still in business.

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Wellsfargosuckscock
Scottsdale, US
Feb 19, 2010 2:31 pm EST

Please join me in calling Wells Fargo Auto and tell them how HORRIBLY they treat every day hard working Americans who are a month or two behind on their car payments. They threaten, harrass, tape and corner people into submission and have zero accountability. Furthermore, Wells Fargo Auto Finance is part of Wells Fargo Bank in SF CA who took MILLIONS of American TAX PAYER money to fund and sustain their business as many of us and our friends lost jobs and income in this recession.
You can VENT your feelings by calling them at these numbers:
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]
[protected]

These are active as of Feb 19, 2010. Wells Fargo Auto Finance seems to be in the business of shucking and jiving, ie.. you call one of these numbers, they 'record' you, and send you on to another number. It's all about getting around a 60 minutes moment. I ask anyone reading this to call, and ask them about their business practices. Ask them about the MILLIONS they've taken from us, the US taxpayer and ask them why the continue to harrass and harm the hard working or willing hard working American they call all day every day!

Let's show Wells Fargo Auto Finance who we are!

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Pernell Harrell
Gary, US
Jun 05, 2010 12:30 pm EDT

You are absalutely right about the rude behavior of this financial section, after misrepresenting and flat out lying to people trying to perchase a nice afordible home for thier family, they abruptly caused a financial disaster that caused good people to loose thier jobs, homes and more, then they tryed to do it again and the gov. had to place an oversight commity (watch dog) to keep an eye on them, and after all that wells fargo have the gall to phone people up and ask for payments on time, when they were one of the top financial banks that caused good unsuspecting people to loose thier good jobs in the first place.I'm sure GOD will make them answer for thier evil greedy deeds on that day of judgement.

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fullmetal8284
Salt Lake City, US
Feb 24, 2010 1:56 pm EST

the united states should start giving tests on people before they get loans, or even allowed to live in this world, too many dumb people going around, especially you, you people that write all this stuff need to get a education, you have no idea what your talking about, most of the things you discuss in your post are done by MANY finance companies, banks helped build the US...sure they can be a ripoff..but what isnt these days

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vknight
Portland, US
Jun 03, 2016 8:14 am EDT

I should have done my research! I recently refi my auto. Within a day the phones calls came in. First they needed my last two years of w2s at which I declined and asked why? I then called the corporate division of Wells Fargo Auto Finance and talked with a loan proccessor and he told me that they need that to sell other products of Wells Fargo products. I had already declined to sell or have my info sold within their company.

One week later and several phones calls and messages. The local branch that payed off the orignal loan calls and needs me to have the w2s. I explained that the loan had closed. I asked him why he needed this since it was already approved and had closed. He said he did not need it for him personally, but underwriting needed this. Why can't these guys understand this?

I will tell friends and family not to do business with Wells Fargo.

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Wells Fargo - loan modification bs

We have been trying since November to keep our home from being foreclosed. I have spent hours on the phone getting the runaround from employee to employee who know little or nothing about our account. It is BS to have to call the 800 number and never get the same person!!! AGGRAVATING!!! No one at the local branch can help me! I was told in November to...

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Wells Fargo refusal to refinance

I had purchased a condo in January 2008 at an interest rate of 5.875%. My original mortage company had sold the mortage to Wells Fargo, and they have been servicing it for about 6 months now. Last month, I responded to an ad that Wells Fargo ran for a NO FEE refinance, that would bring my rate down to 5.25%. I thought, this is a no brainer, especially since Wells Fargo already has my loan in their possession. Well, after dealing with an appraiser who came to my place, and several customer service people over the phone, I was told that my property did not qualify for this program and I was declined - apparently too many units are still outstanding, and you need to be over 50% sold! Needless to say, I was furious! After all, Wells Fargo already picked up my loan and is servicing it, and I have great credit and financial background!

No wonder why Wells Fargo had a record quarter!

Obama - I hope you are watching! Another example of the consumer getting screwed...

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Update by Consumer Advocate in Philly
Apr 04, 2010 12:47 pm EDT

Vegas - I am sorry to hear about your situation. I can feel your pain, and with new legislation and wage garnishment, the sinking and frustrating feeling that you are stuck in your property only adds to the pain. I get furious when I see the quarterly financial performance of companies like Wells Fargo, and such. Our government got us into this mess with relaxing the guidelines for financial institutions, who essentially were able to approve every mortgage under the sun back in the 90s through Freddie and Fannie. They lived with the risk of approving risky mortgages, and now good citizens like you and I are paying for it. This bailout was aimed at the wrong people. Instead of helping good homeowners, it helped big business. Great if you happened to buy stock in one of these companies, but it nowhere helps the average homeowner. Yes, Wells Fargo will cite 1-2 case studies where it helped people, but these are the vast minority. My biggest gripe is don't promote something if you can't deliver on it. It only adds to the frustration we are all feeling. And Mr. Obama, where is this change you are talking about? Honestly, I don't see it.

And yes, I agree, our country is in a sad state of affairs. Pretty soon, we will be the minority, with first and second generation immigrants from third world countries making up the majority. Let me know how you make out on your new country search! Keep your head up!

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Mad in Vegas
Las Vegas, US
Apr 03, 2010 10:56 pm EDT

I find myself in the same situation as of today. Wells Fargo is refusing to refinance my home because the value is too low compared to what I owe. The reason the value is low is because of all the foreclosures and short sales in my area in the past year. The banks created the housing bubble, refuse to renegotiate ARMs when they come due, people have to walk away from their investment, the property values are lower, and then the banks refuse to refinance people like me with excellent credit, excellent job, I have never failed to pay a loan in over 40 years, and now I have no alternative but to walk away from my home as well and lose all the money I invested in the property. When my current ARM expires, the bank can raise my interest rate up to 10% and up to 5% each year thereafter, which I am sure they will do right away.

The worst thing is that I don’t even know who to turn to get advise on this issue. I have a good job, but if I walk away from the house, the bank would be able to attach my wages, which means I am probably going to have to quit my job to avoid letting them get anything. Of course this means my credit will be completely shot after spending 43 years with a spotless record. I am seriously considering moving to another country as I am absolutely sickened by what the government allowed to happen in this country that hurts decent citizens like me.

What is a responsible person to do? I feel completely powerless.

Mad as Hell in Las Vegas

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keb0004
, US
Nov 04, 2009 1:50 pm EST

I was recently denied the Wells Fargo Three-Step Refinancing. At the beginning everything looked good, excellent credit never missed a payment etc. So why was I denied, the under writers have a clause ‘if you changed jobs within the last 6 months’. In my defense I did not change jobs I was laid off from a job after 8 ½ years of service. Because your government allows companies to outsource American jobs overseas and WF you probably do as well. Yes my job was outsourced to INDIA for cheaper labor. By the way ### to congress concerning this issue! Again I never missed a payment because I saved money for emergencies but my job status denied me? I lost my job in May 2009 and started working new job August. So this really pisses me off WF that my job status has anything to do with refinancing my home. I never missed or was late on payments beginning 2001!

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Wells Fargo fha rehab loan application

Sorry to hear about your experience. I also warn everyone NOT to deal with STEVE TANDY/Wells Fargo Garden City, NY. He is the most unethical and [censored] mortgage loan officer I've ever met.

January 2009, we approached Steve with the hopes of renovating our house and availing of the REHAB loan (the only loan I know of that is primarily based on the future home value post-renovation). We asked several times if the loan amount (existing mortgage+construction cost+contingency+closing+gazillion FHA fees) is a realistic/achieveable loan amount. Without batting an eyelash he guaranteed it was all possible.

We waited more than a month and half for the appraiser ROBERT to get in touch with us only to realize he cannot appraise the house without the 203K(?) report (detailed listing of the home finishing for example, granite countertops, ceramic flooring etc...). After more than 1 week of follow up phone calls with Steve and assistant Sandy (both lying that report was previously sent to appraiser) and Robert (consistently denying receiving such - "sounding automated/robotic whenever he denies about receiving the report) the house was finally appraised but much lower than expected. I honestly don't know where Steve got the information when completing the 203K report because interior finishing was not discussed in anyway/form.

Anyway, we did our own comparables and forwarded to Steve with the hopes of having a higher appraised home value. Every time we'd follow up he sound like he has no knowledge/info re: our loan. He never returned our calls even when told we would cancel the application due to inability to provide the Good Faith Estimate Loan amount. Eventually, he claimed to have tried to get in touch with the regional manager (of whatever appraisal company they deal business with) but days turned into weeks and now more than a month. We began this loan application in January 2009 and we haven't had any updates until now (Mid April 2009). He claims loan application process normally takes 60 days but we are past that period and not even halfway thru the process.

We have terminated our contract with the builder (project was set to start in May) due to inability to secure a loan thus losing $3500 in architectural fees, another $1000(?) for town permits plus $3000 in pre-purchased bathroom fixtures. We've suffered so much mental stress and anguish over this loan application and looking into suing and filing a BBB complaint as well. We're so devastated with this failed loan application we are afraid to try elsewhere. Our dreams of renovating our dream home has been shattered...

To future mortgage loan applicants, STAY AWAY FROM STEVE TANDY/Wells Fargo Garden City, NY.!

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wells fargo go to hell
Tulsa, US
Jan 22, 2010 7:34 pm EST

i agree with the above writer how he went thorugh the mental stress .. atleast he was able to stop the contract i was given the approval of buidling the entire house took 3 mnonth cme to closing my broker who works for wells fargo tulsa ok, said that i was approved i have went thorugh so much mental stress no body can even imagine it wells fargo is a piece of ###. they are the worst company beware don't go with wells fargo the are rip off they tell you one thing and do the other

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WFHMemployee
Phoe, US
Oct 10, 2009 1:57 am EDT

****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.

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Wells Fargo high interest rates

I had refinanced my 2006 Honda accord through Wells Fargo when I should have left it the way it was.I thought it would save me money because they paid the loan off which was 6 %, and they gave me extra money to do what I needed with since I had just purchased a new home and could stand for some cash. Unfortunately I fell for it and was left with a 15.99% interest rate that at this rate I will never payoff ! I wish the government will step in on this because WFA are getting over and no one is helping us consumers. something should seriously be done about this. I tried to trade in my car and because it was appraised at 14, 000, and I still owed 26, 000 on it thanks to the outrageous interest, I was unable to get financed because I am so upside down.

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Wells Fargo do not refi your home wtih wells fargo home mortgage

Got Ripped Off!
Lies from Sales Reps & Processing & Servicing!
Poor Customer Service throughout the Loan Process at Wells Fargo Home Mortgage!
Don't Use Their Services, No Cost Refi is a Lie at WFHM!
Wells Fargo Does Not Represent Any Quality or Ethics in Banking!
Please Tell Everyone You Know About This, maybe they can save their home and the pain of what happened to me :(

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Screwed by wells fargo
leh, US
Apr 27, 2010 10:03 am EDT

They did the 3 step with us. After signing the contract, we paid our first payment. Two weeks later, they changed the payment to be the same amount we were paying, and MORE . Please do NOT refinance with this company. They have inexperienced personnel. They did this, and now we can not do remodification. So they screwed us horribly. In my opinion, and apparently others on this board, They are a greedy, money hungry, banking establishment ripping us Americans off, one at a time. They are not helping people in this depression. They are making it worse. Survival, I guess. But only on their part. 23 years of excellent homeownership down the drain.

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myhome
, US
Mar 10, 2010 1:01 am EST

This company is a fraud. This company should be torn down. They are nothing short of parasites and leaches. One and half years of trying loan mod and heard every possible excuse from them. The top management of this company should rot in hell.

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S L Johnson
, US
Jan 03, 2010 10:56 am EST

We tried to refinance our house with our Wells Fargo loan, they had sent some paperwork 6 months prior and we followed their instructions to a "T". Sent in the appraisal (which was stated on the paperwork could be our own, $300) and fee ($185) to them, only to receive statement that their policies have changed, and that they cannot refinance our loan. I fought it all the way to the loan police (I cannot remember which agency that was) only to have Wells Fargo tell us it is not their responsibility to inform us of policy changes! Bull! These are the same people who wanted to charge $25 to close out a checking account with $7.oo in it. (huh?)

We went quickly down the road to our credit union and got a better rate with them for our home than what we would have gotten with Wells Fargo anyhow. Their customer service is horrible, and their ethics are worse. They are too big for their britches and I have NEVER walked into a branch and seen people HAPPY with their jobs...

I personally will take a smaller local bank over one of the big guys ANY day!

LoanModificationPrograms
LoanModificationPrograms
Glendale, US
Nov 30, 2009 6:29 pm EST

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.

P.S. If you know someowner they can help, They will pay a $100 referral!

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CalvinAZ
, US
Nov 21, 2009 2:43 pm EST

I have to add that the following is my experience to:
Lies from Sales Reps & Processing & Servicing!
Poor Customer Service throughout the Loan Process at Wells Fargo Home Mortgage!
Don't Use Their Services, No Cost Refi is a Lie at WFHM!
Wells Fargo Does Not Represent Any Quality or Ethics in Banking!

I also have to add that the appraiser also lowballed my property too. After comparing the properties in the area values he then went to say that because the area has been declining, he went on to drop my value another 15% from the average resent resale values in the area for similar homes. I asked a friend at the bank and he said he had heard the bank is using appraisers doing just that. How is this ethical to appraise based on something that has not happened? Wells Fargo has sunk to the lowest levels of service and ethics.

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CalvinAZ
, US
Nov 21, 2009 2:38 pm EST

When I went in for a refinance on a 9% to take it down to 5% I was told because the loan was 15 years old, this would really cost me more money and suggested I stay at 9% for the next 10 years. Don't trust Wells Fargo --- either they have a lot of dumb people (but if you notice, everyone will say they are the manager when you call in asking for one) or they are about as unethical of a financial institution as they come.

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CalvinAZ
, US
Nov 21, 2009 2:35 pm EST

Agree! Don't refinance with Wells Fargo! They are a mess and not truthful. Service is terrible and it does not matter if you have an 800 score or a million dollars in the bank. These Wells Fargo service stinks!

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tsweetdar1
, US
Apr 29, 2009 3:44 am EDT

had my name on house for 40 years.refinced 10 times to build on house. told my husband it would be lower fince if he left my name offbut i would be on title. i now cant get any credit at all, no equaty, no credit. iam distroyed. this a practise of theres . they tried to do it to others.be real carefull

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taylormade
, US
Apr 29, 2009 3:29 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Tell me what happened with your deal. I'm going through this now. Their appraiser lowballed the value of my home so I can't get the better rate. She gave me $0 value for a $41, 000 solar system. If the appraiser would have given at least a $10, 000 value to the solar system, we could've done the loan at the lower rate. Service with WF has been terrible. I get different info from different people everytime I call them. This is no easy 3 step process. I think I'm ready to tell them to stick it and file a complaint with OREA for inaccurate value conclusion against their incompetent appraiser.

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Wells Fargo - loan modification hell

I have been trying for a loan mod. for 8 months. Still have nothing to show for it. They have lost my paperwork found my paperwork. Taken 2 unauthorized check drafts . Denied my loan mod. claiming i have a 1000 doller surplus each month. My financial worksheet clearly shows a deficit. They have closed my request, refused payments because im in middle of...

Read full review of Wells Fargo and 27 comments

Wells Fargo Customer Reviews Overview

Wells Fargo is a financial institution that has been in operation for over 150 years. It is one of the largest banks in the United States and offers a wide range of financial products and services to its customers. The bank has received mixed reviews from its customers, with some praising its customer service and others criticizing its business practices.

One of the positive points of Wells Fargo is its extensive network of branches and ATMs, which makes it easy for customers to access their accounts and conduct transactions. The bank also offers a variety of checking and savings accounts, credit cards, loans, and investment products that cater to different financial needs.

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However, Wells Fargo has also faced criticism for its business practices, particularly in relation to its sales practices and the opening of unauthorized accounts. The bank has been fined by regulatory authorities for these practices and has faced public backlash as a result.

Overall, Wells Fargo is a reputable financial institution that offers a range of products and services to its customers. While it has faced criticism for its business practices, the bank has also received positive reviews for its customer service and convenience.

Wells Fargo In-depth Review

Overview: Wells Fargo is a well-established and reputable bank with a rich history in the banking industry. As one of the largest banks in the United States, it has built a strong reputation for its financial services.

Services Offered: Wells Fargo offers a comprehensive range of banking services to cater to the needs of individuals and businesses. Their services include personal banking, business banking, loans, mortgages, and investment options. Whether you need a basic checking account or a complex business loan, Wells Fargo has you covered.

Accessibility: Wells Fargo ensures that its services are easily accessible to customers. With a vast network of physical branches across the country, customers can visit a branch for in-person assistance. Additionally, Wells Fargo provides online banking and mobile apps, allowing customers to conveniently manage their accounts from anywhere. Their customer support channels are also readily available to assist customers with any queries or concerns.

Account Options: Wells Fargo offers a variety of account options to meet the diverse needs of its customers. From basic checking and savings accounts to specialized accounts for businesses or students, they have a range of options to choose from. These accounts come with different features and benefits tailored to specific customer requirements.

Fees and Charges: It is important to consider the fees and charges associated with banking services, and Wells Fargo is transparent about its fee structure. While there may be account maintenance fees and ATM fees, Wells Fargo provides detailed information about these charges, allowing customers to make informed decisions. It is advisable to review the fee schedule to understand the costs associated with specific services.

Interest Rates: Wells Fargo offers competitive interest rates for various types of accounts and loans. By comparing their rates to industry standards and competitors, customers can assess the value they receive. It is recommended to explore the specific interest rates for different products to make informed financial decisions.

Customer Satisfaction: Customer satisfaction is an important aspect to consider when choosing a bank. Wells Fargo's customer satisfaction can be evaluated through reviews, ratings, and feedback from its customers. While there may be positive experiences, it is essential to consider any negative feedback to gain a comprehensive understanding of the bank's performance.

Security Measures: Wells Fargo prioritizes the security of customer information and implements robust security measures. These measures include encryption, two-factor authentication, and fraud detection systems. By employing these security measures, Wells Fargo aims to protect customer data and prevent fraud.

Financial Stability: Wells Fargo's financial stability is a crucial factor to consider when entrusting a bank with your finances. With a strong credit rating, profitability, and a proven ability to navigate economic downturns, Wells Fargo demonstrates its financial strength and reliability.

Community Involvement: Wells Fargo actively participates in community initiatives, philanthropy, and corporate social responsibility efforts. Their involvement in such initiatives showcases their commitment to making a positive impact on society and supporting the communities they serve.

Additional Features: In addition to their core banking services, Wells Fargo offers various additional features and benefits. These may include rewards programs, financial planning tools, or educational resources. These additional features enhance the overall banking experience and provide customers with added value.

Comparison to Competitors: When considering Wells Fargo, it is important to compare its services, fees, interest rates, and customer satisfaction to its major competitors in the banking industry. This comparison will provide insights into Wells Fargo's competitive advantages or disadvantages, helping customers make an informed decision.

Conclusion: Overall, Wells Fargo is a reputable bank with a wide range of services, accessible channels, and a commitment to customer security. While it is important to consider fees, interest rates, and customer satisfaction, Wells Fargo's financial stability and community involvement are notable strengths. Potential customers are recommended to thoroughly evaluate their specific banking needs and compare Wells Fargo to other competitors to make an informed decision.

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3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Wells Fargo. Make it specific and clear, such as "Unauthorized Wells Fargo Account Charges" or "Wells Fargo Mortgage Application Delay".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience. Include key areas such as:

  • The type of service or product you were using from Wells Fargo.
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  • Chronological order of events, including dates and times, if possible.
  • Any communication with Wells Fargo representatives, including phone calls, emails, or in-person visits.
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6. Filling optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, clearly state what resolution you are seeking from Wells Fargo, whether it's a refund, apology, or another form of rectification.

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9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Wells Fargo.

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