awful company
Wells Fargo is a well entrenched corporate evil that feeds on the wrecked lives of it's victims.
After the turn of events post 9/11 my family endured a down sizing of our life stile as i was laid-off from work and we ended up filing for Bankruptcy. In the rearrangement of finances i did keep the house as we had sold our old home and downsized to a home we could afford on my new - reduced wages. The payments were well within reach in our budget.
Soon Wells Fargo was contacting us implying that we were late on our payments.
I had the receipts for the checks sent in, no problem. After the 3rd time sending them in (by now we are into the second month, delinquency fees accruing and being tacked on) I contacted our VA representative. The rep tried to work this out with Wells Fargo to no avail. Later the first VA rep was rotated out and off the case, (i don't know why, we were fully compliant). The second VA rep wanted nothing to do with this case. He made that more than clear in his communications to us. All the while we were still making our payments in full as assigned by the monthly bill. It was an excessive amount based only on the erroneous notion that we were delinquent in our payments. This served to bleed what little savings we had to nothing very quickly.
Months went by, with constant communications in trying to make arrangements to bring the account current. Each time a deal was struck Wells Fargo would clam they never received required paperwork, or something was not in order. Finally things got so far out of hand we decided to sell the property, cut our losses and run screaming the opposite direction from Wells Fargo. We contacted an investment buyer who had cash in hand at a full price offer. Wells Fargo Sabotaged the deal no less than three times by loosing paperwork, missing deadlines and claiming ignorance to details.
This went on, back and forth for over a year. The proverbial straw that broke the camels back was the contemptuous deceit the company pulled on December 24th of 2004. A get well plan had been extended to bring the loan current. A loan modification with a lump sum payment from us, was to make it all better. It had to be a money order, in full at their office back East by opening time three days from this date. We made it. Certified letter, received on time, in full. We were notified Dec 24th by phone that the company would not be accepting the amount remitted as payment in initiation of this plan as with review they felt i could afford to pay more on the payments than this plan accounted for. Further requests to re-initialize the loan modification were flat denied. The lump sum amount remitted was to be applied to the remaining delinquent amount and we were still in arrears.
We stopped throwing good money after bad and settled on the fact that we had been taken to the cleaners by corporate America. The house went to foreclosure and we departed used and abused. They had no intent of ever allowing this loan to come current. That was obvious in there actions. Good news is they lost there ### at auction. The place sold for MUCH less than they had it appraised at for the purposes of the loan, and MUCH less than the full price offer our investment buyer offered them. I'm sure they wrote the loss off at tax time and shared the burden of the actual loss with the American Tax Payer via reimbursement from the VA.
My best advise with reference to Wells Fargo -- RUN -- Don't look back lest you'll be turned into a piller of salt.
The complaint has been investigated and resolved to the customer’s satisfaction.
wrongful reposession
I too, among the thousands of people that have also lost money and/or their car, homes, etc. by banking with Wells Fargo feel that some legal action needs to be taken against them.
The question is, "How do you sue a bank?" I'm afraid that answer is only going to be answered by someone with pockets that are far deeper than mine.
If that doesn't give you any idea of how frustrated I am with Wells Fargo, I'll inform you of the entire 2 year history.
I had a checking and savings account with them for years, no problems. Everything was fine before financing an auto loan through them, then things changed. The first 6 months I had no problems, basically because I had it setup to automatically withdraw from my check account with them. Then I switched to a Credit Union and it only went downhill from there.
First, like most of you in my shoes, I received the statements regarding not carrying insurance. And like most of you I sent them proof as soon as possible that I indeed have valid insurance. 7 months later that issue finally resolved, but the balance on my bill for 7 months of "not" having insurance didn't go away, ever.
I accessed my auto loan account via the Wells Fargo website, to my "surprize" they had that wrong too. When I clicked on a payment it opens into a window that is suppossed to show exactly how much of that one payment went towards principal or interest. I'm not sure if a Wells Fargo employee paid themself from my car payments, but when I clicked on a $1, 000 payment, for example, $150 went towards principal and $300 towards interests. My questions is, where is the other $550 going?
I then sat down and went all the way through my account, payment by payment, adding up the missing ammount from each payment and the late fees from not paying the insurance they were so kindly to tack onto my bill, along with the insurance itself and that was the "past due" ammount. Which at that time was over $3000.
Any "bank" thats has an account past due by $3000, IS going to repossess THEIR automobile. They don't care if your at work or on vacation. My fiance' happened to be drving my car that day to work when Wells Fargo called her saying that if she didn't tell her where she had the car, they were going to sue her for the outstanding balance.
Unsure of what to do, she let them come to her work and take the car. Every payment was on time and made in full if not more than what they wanted. I just sent them a $1, 000 payment 2 days before they took it. Before I had time to log onto my account via Wellsfargo.com, then cancelled it. I couldn't log onto it, they showed no account with my account number.
I too have been yelled and screamed at when "trying" to just understand why they say I owe what I owe, and gave up calling them. I then went down to a local Wells Fargo branch (Houston, TX) and began informing a banker of my problems. He showed that it was repossessed and didn't have anymore information for me than that. Other than go to Arizona to the ONLY Auto Finance office in all of Wells Fargo. I don't think so.
So now I have no car and can't get a car because I now have crappy credit showing a repossession. Thanks Wells Fargo and all your minimum wage conficts you have answering your calls. :-/
The complaint has been investigated and resolved to the customer’s satisfaction.
I financed a car through wells fargo. I made a late payment and they repossessed my car over the late payment fee. They would not let me buy it back and sold it at an auction. They would not tell me where or when the auction was so I can try to get it back. I explained to them I need my car I have six children and one is disabled from a spinal cord injury and has doctor/therapy appointment 3 times a week. They told me I had a late payment fee that was outstanding for 81 days and hung up on me. I don't think this is legal.
I myself along with my mother in law purchased two new cars, then refinanced with WELLS FARGO WHAT A MISTAKE THAT WAS. They are rude, They say you have 10 days grace period, YEAH RIGHT the very next day the payment wasnt received they call ALL day long. When i call into them regarding why the payment was late they want to ask all personal questions, why are you late? what do you do with your money? I hate to call them so i say screw them, i claimed bankruptcy and now there is nothing they can do i pay them when i want, i tried to refinance with another company and i cant, WF reports everything, they are RIP OFFS! And once you have a loan with them you have to pay it back forever.
we purchased a dog with financing at a pet store with WF, the dog was 999.00, 2.5 years have gone by i have been paying 38.00 a month for 32 months now and they sent me a bill saying i owed 947.00 still? i siad are you kidding me i paid for that dog twice already then they say we will take a settlement of 830.00, i hung up and said come take teh dog, i mean really. they are the WORST. dont FINANCE WITH WELLS FARGO ANYTHING
customer service
I contacted Wells Fargo on December 23 2008 and requested a shipping letter so that I could ship mu 2006 Toyota from
Honolulu HI to California. The shipping company requires a letter from the lein holder. I was told on 12-23-08 that Wells Fargo could not send me an Email and a nfax could take three days. So I opened a Fed x account so that they could send me the shipping letter. As of Monday 12-29-08 no letter. I called [protected] and spoke to five different people who could care less. The supervisor Sue Dimartinez would not speak to me on the telephone she was in a meeting. The people who send faxes go home at 3pm. I was told that I should have called weeks ago. I guess it takes weeks to send a fax.
I will call the President of Wells Fargo tomorrow every five minutes until they fax me the letter I need to ship my car.
WELLS FARGO SUCKS HOPE THEY FOLD UP
The complaint has been investigated and resolved to the customer’s satisfaction.
don't give up!
My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. i'm going to share my story with you and then follow up with someone who was able to, just very recently, get wells fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail cara k. heiden, mary coffin, and sharon cecil in the wfhm executive office. I give you their e-mails, direct phone number, and address below. please try. i'll say prayers for you and your dear families. remember, keep trying. expect god to bless you. and I know he will.
In november 2006, wells fargo d. b. a. american servicing company (asc) decided to escrow on my mortgage loan. for no reason. my taxes and insurance were always paid on time. theyd never escrowed before. then, instead of paying my annual property taxes once, they paid them twice. and I had already paid them. then they pre-paid my property taxes that werent due for another year. id never had an escrow account with them, so usually the balance was zero. now it was -$5500.00. my mortgage payment increased from $655 to $1446 a month. I cant pay it.
Wells fargo admits their error. they promise to fix it. then they dont. again they promise to fix it and reverse all the late charges. doesnt happen. no one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.
Asc phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. so many asc customer service agents promise all your problems are taken care of, rest assured. when you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. so then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. they will give you their three-letter employee id code that has never helped me a bit. many agents refused to give me the companys physical address when I wanted to talk with someone face to face. over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan i’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. so in february and march I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. four days later im told my documents were never received so my home is in foreclosure.
On april 23, 2007, I was emergency admitted into river oaks mental hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. wells fargo mortgage made a mistake, and acknowledged it. however, they were unable (or unwilling) to fix the problems their error created. my sister was given power of attorney so she could resolve the issue. upon discharge from the hospital an asc agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. they promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.
Two days later I received a notice advising me of the sheriffs sale date set for my home.
My home was my savings account. and it was my retirement account. more important, it was my security blanket.
The october 3, 2007, sheriff sale date has been postponed and wells fargo has told me they want a satisfactory conclusion to this nightmare. ill keep you posted. today is october 9, 2007.
Wfhm admitted errors and apologized in two letters received on october 24, 2007, and october 29, 2007, from todd m. boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.
Then they sold my home at a sheriff sale. they took my home, almost $100, 000.00 in equity, and i'm lost without my home. god bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. two years of fighting for all i'm worth just can't end like this. I will never stop trying to find restitution and peace. and I will never stop sharing my story just in case it might prevent someone else from losing their home. from facing agonizing months on end. being turned inside out with fear and pain. from losing their retirement, their live savings, their security. if I had children, I don't know how i'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. it just breaks my heart.
But remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from wells fargo bank. so do not give up!
I know help is coming soon for all families facing foreclosure. god bless anyone who helps someone keep his or her home.
Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018
[protected]@yahoo.com (don't hesitate to contact me!)
[protected]
[protected] fax
Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.
Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com
Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com
Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com
Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com
Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]
Below are recent emails that have encouraged and comforted me:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800
Dearest kelly,
I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.
Kindest regards,
Jeff taylor / san clemente, ca / [protected] :)
E-mail from 'jackie euper' to 'kelly l. hansen' (www.complaintsboard.com)
Wed, 17 dec 2008 10:48:53 -0600
Kelly,
First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper
Kelly,
First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from 'kelly l. hansen' : —
Attn: jackie euper & sharon cecil
Jackie, awesome, thanks so much for keeping me posted!
Sharon is always a big help. god bless you & I hope you have a merry christmas!
Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.
That's thrilling!
Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018
[protected]@yahoo.com
[protected]
[protected] fax
print - close window
Date: sat, 20 dec 2008 07:12:07 -0800 (pst)
From: "kelly l. hansen"
Subject: you deserve each and every blessing you receive, jeff. because you give your heart to others.
To: "."
Ok - wow, how do you share your heart so well? you have blessed me with your success story. can you imagine how many others will be encouraged, uplifted, and energized when they read your words?
I wish you would have been able to do the fox interview! it sounds like god is using you by giving you so many opportunities to share your story! very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. that is key and something I never considered.
Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.
May I ask where you posted your story? I want to go the site and read it!
Now, I ask for your prayers. I lost possession of my home two weeks ago. your letter, your warmth, delighted my being! once again, perfect timing!
You've energized me to get your story out and get back to what I love doing. thank you, thank you, thank you. I really love being thought of as a guardian angel. I so very much want god to be able to work through me. and i've prayed for specifically that just within the last few weeks. so wow, thanks so much for your affirmation. hugs and kisses to you, to your family, and may your holidays be filled with joy, and peace. aaahhhhh. sweet, sweet peace. god bless you, all of you.
"." wrote:
Hi kelly,
Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) thank you!
And yes, you can post any, and all of my stories. we're in this together.
The blog you posted saved our future! the key to asc success was dealing with one individual, and after sending emails to wells fargo's president, v p, and cfo, I had a response in four days from asc! my wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"we are calling you from the executive department of asc, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden... this? it was like seeing 911 all over again, I don't believe what i'm seeing, and hearing!
I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. as I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. when I sent those emails out, I never thought a reply was coming, but something happened.in the subject line of those emails read "why do you want my home?" I proceeded to explain the 100's of horror stories written by asc victims, and how they all sounded alike, as did mine. the one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you kelly.
All I did was google "asc complaints", and omg, there you were, along with more than I could handle. fox television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the special forbearance option that was about to be put into motion. we got the forbearance, yet within a week, asc called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.
All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. i've got you to thank for this kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. asc has also told me that the plan I suggested they implement for us, will now be used in other situations. a plan that has never been used before. i'm a realtor, suffering like everyone else, yet wamu agreed to a loan mod on another property that I own, and worked so well, I had to tell asc where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.
so there you go. it's snowballing, and god used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in microsoft word, and was able to retrieve it. I needed to say thank you over and over again. i'm a firm believer that when you do good for others, good comes back to you. you're a god send kelly, and I owe so very much to you for what you have taught me. if not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. a million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful christmas to you and yours!
I believe in miracles kelly, and whether you know it or not, god appointed you as my guardian angel!
Warmest regards,
Jeff taylor
— original message —
From: kelly l. hansen
To: [protected]@cox.net
Cc: kelly l. hansen
Sent: friday, december 19, 2008 9:14 am
Subject: i'm so happy for you! thank you for your kind words - they mean more to me than you could know.
Wow — I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "god I have to have some good news today!" your e-mail may have been written a few days ago, and i'm sorry I didn't get your voice mail, but god used you tonight, jeff. just knowing you took the time to write is awesome. you will just never know, honestly, what a blessing you are.
So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.
People are so scared to trust anyone - and they should be. may I share your e-mail with others fighting to keep their homes — and prayerfully some equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. so let me know if you are comfortable with passing along some smiles.
God bless your heart. I thank god above that you were blessed with a positive outcome.
If you have already written your story anywhere, i'd love to read it! I want to know (I promise i'll keep everything confidential) who finally cared enough to help a hurting homeowner!
Yes, i'm still in my home but now after wells fargo bank dba americas servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account — 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist llc. "equity-strippers." to just say just the very least, and leave you alone, they forged a quit claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now i'm fighting with
Apple assets lc
Beid: 3016292
Darrin t. volk and larry hedenkamp
9379 west 75th street
Overland park, ks 66204
Under investigation for mortgage fraud, forgery, and sexual battery — six identical cases in court at the same time all quit claim fraud, all forgery, but i'm still fighting just so exhausted. dear lord, what's up? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around — if I were you and finally had a happy ending, I sure would understand if you prefer to move on.
If I had a happy ending, well, i'd still stay very very deep in this. too many people have too much to lose. and they are losing it.
Tonight i'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. so, so nice.
Thanks for sharing.
"." wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800
Dearest kelly,
I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.
Kindest regards,
Jeff taylor / san clemente, ca / [protected] :)
The complaint has been investigated and resolved to the customer’s satisfaction.
wells fargo denver should be fired
/name removed/ is a "relationship manager" at Wells Fargo. My company has put over $8, 000, 000.00 through Wells Fargo so far in 2008 and we are in the process of winding our accounts down and moving to another bank. After /name removed/ made an error in my account to the tune of roughly $82, 000.00, I told him I was going to his superiors. He responded by...
Read full complaint and 3 commentsloan closing delay
This is an admonition to anyone shopping for a Reverse Mortgage Loan (RML) lender to think twice before using Wells Fargo bank's mortgage services. My current experience with them is bringing back unpleasant memories of an earlier experience with Financial Freedom, which was the arm of Indy Mac bank that specialized in RMLs.
On November 4, 2008 I sat down with the Wells Fargo's Reverse Mortgage Loan (RML) agent at my home in eastern North Carolina and initiated a new RML. This new RML was to refinance a RML that I had gotten over one year earler through Financial Freedom. Since closing delays had made the experience with Financial Freedom very frustrating (12 weeks and one day), I specifically asked the Wells Fargo agent what I could expect the elapsed time to be for their closing date, and was proudly told that Wells Fargo had a policy of closing in 30 days or less.
Forty-four days have elapsed as of today (12/18/2008), and I have not been able to get Wells Fargo to even set a closing date. I call their regional representative, she says she will check on the status of my closing and call me back, but she usually does not call back. When she does call back, it is to tell me that they are understaffed and overworked (who isn't?), and that a supervisor will call later today. She has stated that all the documentation is in place, but that the processing hasn't been completed.
Since Christmas is only eight days away I am growing increasingly frustrated, and I am expecting Wells Fargo to use the holidays as an excuse to set the closing for the last week of this year or the first week of 2009. If so, my experience with Wells Fargo's closing will far exceed their assurance of 30 days or less, and may end up being very much like my experience with Indy-Mac/Financial-Freedom.
My RML with Indy-Mac/Financial-Freedom finally closed on May 31, 2007, and the FDIC took over Indy Mac less than two months later in July. The agent that took my recent RML application said several times that Wells Fargo was financially sound, but the guy with Indy-Mac/Financial-Freedom said much the same thing. Now I am wondering if an inordinate delay in setting a closing date is a sign that a bank is short on funding and about to fail.
Does anyone have any inside information on this? Should I cut my losses with Wells Fargo and go with another lender? If anyone knows anything, please clue me in.
The complaint has been investigated and resolved to the customer’s satisfaction.
Wells Fargo customer service are simply liars. They will make any and every attempt to lie to you just so they can make it impossible for them to help you. I am been trying to work with them and have faxed the required documents to them more than 8-10 times. each time I call, they manage to somohow give me the dates documents were faxed (dates that match my confirmation dates)but right after that, they tell me they have not received it. I am so tired of working with them. Its ridicoulous. I have been a loyal Wachovia customer for years but I will close my account with them and go somewhere else. If wachovia is now part of Wells Fargo its sad. I don't care if its different part of business...I just don't want to be affiliated with Wells Fargo.
I agree with all of you. They lie. The collection agent for Wells Fargo even said to me "Your husband is 80 years old and he will be dead soon". They are wanting to put a lien on our house for a business credit card that we are trying to settle with them. We were an S corporation and the loss is from the company but they are telling me quote "We will own your house and take it away from you". It is my understanding that this is illegall. Anyway do not do any business with them unless you are an attorney.
true customer care?
Wells fargo home mortgage might be turning things around!
I've been intent on sharing my negative experience with wells fargo home mortgage so I think it is important to encourage you with these positive e-mails i've received within the past weeks.
It is my prayer these will make you smile, and renew your hope! and, help you resolve your issue with wfhm.
I'd love to hear from you, anytime! god bless each of you.
Kelly l. hansen
33605 w. 88th street
Desoto, ks 66018
[protected]
[protected] fax
[protected]@yahoo.com
wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800
Dearest kelly,
I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.
Kindest regards,
Jeff taylor / san clemente, ca / [protected] :)
Attn: jackie euper & sharon cecil
Jackie, awesome, thanks so much for keeping me posted!
Sharon is always a big help. god bless you & I hope you have a merry christmas!
Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.
That's thrilling!
Kelly
[protected]@bellsouth.net wrote:
Kelly,
First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from "kelly l. hansen" : —
Jackie,
[protected] direct to executive office of wells fargo home mortgage.
More and more people are writing and claiming successful outcomes in their dealings with the executive staff at wells fargo home mortgage, so I have high hopes for you!
Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.
Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com
Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com
Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com
Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com
Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]
I'll say a prayer for you now... please let me know how things progress for you. they have no right to hold your money. good luck jackie. thank you for writing.
"complaintsboard.com" wrote:
E-mail from "jackie euper" to "kelly l. hansen" (www.complaintsboard.com)
Wed, 17 dec 2008 10:48:53 -0600
Kelly,
First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper
If you think you received this email by mistake, please report to editor. [protected]@gmail.com
Kelly l. hansen
46-year old now living with her 70 year old mother
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018
[protected]@yahoo.com
[protected]
[protected] fax
Warning to investors and consumers: don't go to wells fargo!
The complaint has been investigated and resolved to the customer’s satisfaction.
harassing phone calls
I cant beleive I financed a vehicle with this company. I have had so many people tell me how crappy they are and I still did it...
My truck payment is due on the 28th or 29th of the every month. I am not behind - I have a 10 grace period on my loan. Yet if I dont make the payment by the 1st the calls start rolling in. They call every hour on the hour. 1st the toll free number will appear on my caller id - then a south dakota number - then a missouri number - then a conn number, and it all starts over the next hour. Never do they leave message. THIS PLACE IS RIDICULOUS! MAN I SURE REGRET DOING BUSINESS.
The complaint has been investigated and resolved to the customer’s satisfaction.
John G. Stumpf, C.E.O Wells Fargo
1090 Chestnut St, Apt 12
San Francisco, CA [protected]
HOME PHONE # [protected]
Call John at home and tell him that you don’t like frivolous phone call from Wells Fargo. If enough people call him at home he might start to understand!
There is actually a 10 grace period for your vehicle but that's only before a late charge is put on your due date is still the day it says on your contract, the calls are too remind you of the payment. Maybe if you made your payment on time you wouldn't have to worry about so many phone calls
My dad died at the age of 55 last month VERY unexpectedly. His auto loan was through Wells Fargo.
My grandfather is the co-signer on the loan. Grandpa who is 80 started receiving the harassing phone calls from Wells Fargo and was even threatened that he either had to make a payment by a certain time that night or the vehicle would be reported as stolen and he would be charged with grand theft auto! Totally false threats!
I worked in a police department for 7 years and KNOW that it is a civil matter and they cannot report the vehicle at that point, stolen. BUT dear old grandpa wired them a payment anyway...
We've been trying to work with Wells Fargo and the woman we have been in contact with will not budge at all. So, the vehicle will be going back to them and they can auction it off for $4, 000 less than what we are offering them.
At the age of 80 and 3 pensions that are covered against garnishment, you would think that Wells Fargo has a lot to lose and would want to work with us. We have absolutely nothing to lose anymore. Grandpa has no use at that age for credit and with the loss of my dad (his son) and my grandma recently diagnosed with terminal cancer, how long do they expect to collect from Grandpa anyway?
We've contacted an attorney regarding the threats their collection people made and we will never finance a loan through Wells Fargo again.
DO NOT FINANCE THROUGH WELLS FARGO...EVER!
I was told that I had a 10 grace period when I first opened an auto loan with Wells Fargo, however that was a lie. The collections departments starts calling OVER AND OVER AND OVER after two days being late. I had a 10 grace period with Toyota and they NEVER did anything as silly as this bank. I would have given my business to someone else if I had known the kind of liars these people are.
I am looking now to find another company to refinance with because I cannot deal with Well Fargo and their foolishness.
overdraft fee rip off
First, let me say I made the mistake of overdrawing my account. There was one large check for over $4, ooo, then several small checks and debits which all cleared the same day. This bank works it out so the large check is debited first, depleting the account so all the other small charges rack up their $35 overdraft fee. What could have been one O.D. fee becomes $315 in O.D. fees assessed in one day! What a racket. How is this legal? It's two weeks before Christmas and I feel as if I have been mugged. I need a bail out.
The complaint has been investigated and resolved to the customer’s satisfaction.
interested
How to know if I am apart of the suit, my address has changed, and I no longer have a wells fargo account?
Wellsfargo and any other banks are rip-off businesses. Banks operate depend on fees and sales. Wellsfargo loves profit from their un-experience customers and charged with ridiculous high fees over the minor errors . Wellfargo is very sneaky bank, they learn customer's spending behavior and using a hidden trick by giving extra spending available balance and later charged with devil's fee. Banks pretend to be perfect honest business, never admit its fault. You can't win, be smart a consumer, know your money well before spending it. There is no reason to give them money, unless you are rich!
Seems to me they must be very busy adding up all the fees and ways to collect more fees from their small account holders...this must be why they treat their customers so badly in their branch offices. Wells Fargo has obviously been on a big campaign to gain a large market share of our local Hispanic community, but once they have accounts the bad customer service begins. It is unbelievable to me the way they treat their customers who feel compelled to come into the branch for teller assistance. Their policy seems to be to keep only one window open for every fifteen or more customers in line and to completely ignore their merchant customers (assigning only one teller while all the other on duty tellers completely ignore the merchant customers) and then close windows for breaks and parties / meetings in the vault during peak hours. The employees aren't there to provide customer service, but to hide from their customers. Ladies and Gentlemen behind the counter...you aren't good at customer service...move on to another job! Don't take it out on us (the customers) we did not choose your career track.
When I have complained, the teller calls over the teller supervisor du jour who then says they will tell the manager. I'm 100% sure the manager never hears about it and the sincerity of this interaction is non existent...they must hear the same complaint all day, but don't seem to be convinced they need to improve.
Take your money to a local credit union. Wells Fargo, BofA, Chase...they are all exactly the same...use a credit union.
the same crap is happening here in odessa texas, i just checked my account and an item i purchased that was on there a couple days ago is now not there and is showing i got money in the bank but i don't and now i will be hit with an overdraft fee and i thought i had the money in the first place. I thought online banking would help me keep track of my spending but with what they are doing, i'm getting cheated. Work already is bad enough and money tight without them taking what little i have. Why doesn't texas have a lawsuit going too. They shouldn't get away with this.
something they call yoursavingsclub [protected] because of insuffient funds they took $1.00 and charged ne the $34.00 overdraft.
I have my social security direct deposited on or before the 3rd. of month. Also have a VA benefit on the 1st. On three (3) occasions they docked me Overdraft 06/03/2008 07/02/2008
as I see, your in california. There has a been a case brought up about this and is currently in the legal process as we speak.
if your interrested this is documented on the wellsfargo website inside the "statements and documents" page, far right under "important documents"
http://www.wfblawsuit.com/
a choice quote from the description of the charges: "Plaintiffs also allege that Wells Fargo, when posting debit-card transactions on a day, re-sequences those transactions from highest to lowest and thereby increases the number of overdraft transactions. Plaintiffs allege that these practices violate California consumer protection and unfair business practices laws and constitute fraud, negligent misrepresentation, and conversion. The lawsuit seeks monetary and injunctive relief from Defendant."
believe me, i've had over $1200 in overdraft fees since 2004 because if this exact thing. look at your statements and that is exactly what they are doing, re-orgranizing the charges from most to least so they get the highest number of overdraft fees possible.
mortgage
Connie Walker, Mortgage broker, New Port Richey, Pasco County
expected us to close on a house today with wrong information on the HUD statement that she hadn't looked at until closing. Tried to get us to sign with wrong homeowner's insurance amount ( I confirmed with agent that she had the correct amount of $580, not $1, 370 in plenty of time) and tried to get us to pay $1, 120 in points that were to be waived.
She said "I'll fix it later". We said no, get it right. We are supposed to close on Tuesday at 2p.m. We are letting EVERYONE know what she tried and how she messed up our closing and move. Please tell us who to complain to! We are stuck with Wachovia because we have to close by 12/19.
The complaint has been investigated and resolved to the customer’s satisfaction.
Oh heres a good one. I set up a forbearance plan for my morgage . I paid the payment. And when I looked at my checking account. They had not only deducted the new loan amount but took out the original payment as well. Which made my checking acount go overdrawn. Now I have asked them everyday for the past week to refund the money back into my account. I was givin a scheduled date. Well the money isnt there and now they say we dont see that there was a amount taken out. I had to prove it. I have gotten the run around for the past week and Im tired of it. Im my eyes they stoled my money. Especially if they tell me they dont know where it is? Im so disqusted with this bank. People need help not help to take them under. Wachovia is bad buisness
fraud charges to a closed account
On 11/2008 i closed my account with a banker Vic Jenkins at the above location, Vic told me "your account is closed". Then cut up my visa debit card there in front of me and my father. Exaclty two weeks later 11/19/2008 wells fargo hits my "closed account" with a "monthy service fee" of eight dollars. On 11/24/2008 my "closed account" was again charged...
Read full complaint and 2 commentsno help on loans
This bank is the biggest rip off ever! They do nothing to help you with your home mortgage unless you are around 90 days behind! What good is that? Unlike other banks, they are NOT reaching out to customers who need assistance but are not behind on any current payments. They will wait until you crash and burn first before reaching out to you. THEY NEVER MODIFY ANYTHING. ALSO, THEY NEVER GET BACK TO YOU. I HAVE CALLED 20 times, handed in all sorts of applications for assistance and yet still, not even a phone call back! this bank is a scam!
The complaint has been investigated and resolved to the customer’s satisfaction.
We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.
fraudulent activity
Due to negligence on the part of Wells Fargo and Washington Mutual I have lost my house and my good credit rating. 2 and half years after my divorce and the bankruptcy of my business, I re-established my credit an purchased a home for my self. I refinanced that home after a year to get a fixed rate and rid my self of the 80/20 scam. Wells Fargo granted my the loan but it was a variable rate loan and I was told that I could refinance after a year to a fixed rate because my credit was good. After the year I submitted the paper work for refinancing with Wells Fargo and other lenders to find that I was turned down because of my debt to income ratio was no good. I had not purchased or done anything with my credit during that year and my income was about the same. I fought with Wells Fargo for a week to find out what could be done, clearly there was a mistake, but no one could tell me. So I began an invention of my own. The first thing I did was submitted and application to pay my bill on line with Wells Fargo online banking, and lo and behold, I didn't have a $140K mortgage but I had a $268k mortgage. In short, they purchased my X-Wife's mortgage and attached it to my account. I called them and explained it to them. They act like they didn't know, surprising to me. I communicated with them for a week alone with Washington Mutual. They began accusing one another. Finally I was asked to submit all the paper work to each bank. My divorce, my bankruptcy, my quick claims deed. After that I fax them the paper work, they confirmed that they received it, both banks, I didn't here anything from either of them for about two a month. Then I received a letter from Wells Fargo, A foreclosure letter. My account had vanished from the account log on page of Wells Fargo, but my X-Wife's account was available for me. I can view the activity of her account but my mortgage account has vanished. They will not respond, my credit has been totally destroyed, and I don't know what to do. Can anyone help?
The complaint has been investigated and resolved to the customer’s satisfaction.
We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.
harrassing phone calls
Approximately two months ago, I began receiving phone calls - sometimes twice a day - from Wachovia asking for someone I did not know. They were told that I was not the person they were seeking, and I was assured that my phone number would be deleted from their list.
Yesterday, these phone calls started up again asking for the same person as before. I have been called twice today. I returned the call and told them I was not the person they wanted, and that I did not know this person. And once again I was assured that my phone number would be deleted. What else can I do to stop these phone calls?
They call, almost always early on a Saturday morning, demanding to know when we're going to make our payment when we are still in the GRACE period. We've never had a late charge! (It's always within the grace period depending on our paydays. They can see that.)
And they're incredibly rude...they make it sound like you're a deadbeat. They say "You ARE late and we have a right to know when we're going to get paid." This doesn't sound like 'grace' to me.
So we're going to refinance this house...simply to get Wachovia to leave us alone. (and we'll get a better rate doing it.) I was just wondering if anyone else was frustrated by them.
balboa forced insurance
It seems this complaint is pretty common among this board. So I fell victim to the same forced placed insurance as many others. A few months back I changed insurance companies to get a better rate. For those who don't know, in CT it is illegal to hold a car without having insurance so the companies here are very stringent about getting the coverage right and not putting their customers into a legal problem. Wells Fargo apparently never got confirmation of this. They claimed they received word of the cancellation of my other insurance but not of this new coverage opening up. Which is absurd, first off, considering CT's law. So, rather than try to confirm it themselves which any company can do easily, they tack on forced insurance through balboa. Let me try to make this as concise as possible. The collection calls begin. I called Wells Fargo and they told me they couldn't help me at all, that Balboa is a completely separate company and that my gripe is through them. I called Balboa and they said they needed more info, so I made a three-way call with them and my insurance company. My insurance company (Unitrin) is fantastic and the woman made verbal confirmation and Balboa said OK, we'll update the account, we don't need anything more. Hang up. Next day? Collection call. This is three days later now and Wells Fargo is still looking for money. Are you kidding me? Wells Fargo claims that when I make a payment (Mine happens to be 475.69 a month) the first part goes to interest, the second, goes to forced placed insurance, the third part goes to the loan. Which means that they give my money out to a separate company before taking the part that I owe them? Give me a ------ break. If I ever had to do business with Wells Fargo again, I think I'd shoot myself. What are people doing to resolve this garbage?
wells fargo bank;overdraft charges
In late October, 2008 my checking account was overdrawn on 3 items, and the same 3 items continued to hit and accumulate overdraft charges at $35 a crack. There was another item that showed up that was an error and should not have been there at all...again, more OD charges hitting multiple times.The OD fees were so excessive that any money I did get I...
Read full complaint and 6 comments
bad service
On July 26th of this year, I called the Wachovia Bank by my house to ask if they would cash the check I received from my insurance company for car repairs. They told me to do the following: take the car to the dealer to get it repaired, then go to the bank, they would have me fill out a form and it would be signed over to the dealer so the repairs can be...
Read full complaint and 2 commentscollateral insurance scam
Let me begin by stating I have been living a nightmare due to Wells Fargo Auto Finance harrassment. I have not been without auto insurance; however, they continue to charge me for collateral insurance on my auto loan.
It is truly a ripoff. I have reviewed numerous complaints about this company. IT WILL NOT STOP UNTIL WE BAND TOGETHER AND TAKE ACTION.
HERE IS THE WEBSITE FOR THE CLASS ACTION LAWSUIT:
http://www.protectingtheconsumer.com/wells-fargo.php
Please visit the site as soon as possible.
I financed a 2002 Dodge Stratus through Wells Fargo.The car was totaled out in an accident.I notified my insurance company as well as my gap insurance provider and Wells Fargo and provided accidents reports etc as directed. For some reason that I cant explain Wells Fargo would not cooperate with the insurance companies.Every time I checked the status with the insurance companies they said they were waiting for a response from Wells Fargo.After a couple/three months of calling them and asking why they were stalling they kept telling me the insurance company had not them any information.Not to mention that every time I talked they would also claim that the information that my wife & I faxed never reached them.( 6 times at least) I called my insurance company and the agent had me call them with 3 way calling.wells fargo tried to calim no contact until my agent cut in.Had to do same with GAP insurance.After months of stalling they still put on my credit report that I owe them 4000.00 claiming no payment from my GAP coverage.Called GAP insurance & got proof of check amount that was sent to Wells Fargo.I checked my report again and found the exact amount that GAP insurance paid was off my report but some how or another Ihave 1500.00 that they charged me for car payments they claim I didnt make m while my accident claim was being processed.How can they charge me for lying and stalling?
2home mortgages,2interest rates, uying one home
back in september 8, 2006 my father and i worked with a realator company here in terre haute indiana.named williams and associates owned by patty williams.our agent was prenna ranjan (who is no longer with the company) showed us the home that we ended up purchasing.but, she was no help. when my father and i meet with her to due paper work to make a offer on...
Read full complaintmentally challenged mortgage dept.
This is the most incompetent, careless and dishonest company that I have ever dealt with! I got divorced in 2004, and my home was given to me. However, Wells Fargo not only turned me down for an assumption under my own name, they issue me refund checks that both myself and my ex-wife have to sign. They completely disregard court orders. I sent my divorce decree NINE times, and NINE times they lost it. I had to hire an attorney to force them to re-issue my escrow refund in accordance with a four year old court order! What's worse, is that Hurricane Ike struck and damaged my home while all of this was going on Sept 12, 2008. My insurance company made a settlement check to me and Wells Fargo. After speaking with several people, all of whom make up rules as they go along and have different answers for the same questions, I am back to square one. I had to re-hire my attorney because the exception department at Wells Fargo Home Mortgage says that they have lost various pages of my disaster package. I have wasted almost two months dealing with these idiots, and I am in danger of being sued by my contractor because they are never going to give me my money. I am forced to live in a home with ceilings and walls that are on the verge of collapse, windows covered by boards, mold growing in the attic insulation-the list goes on and on. I cannot believe that Wells Fargo shows such little regard for people who give them business. Every day I try to reason with these people and am told different stories, lies, and no one seems to know what is going on. For an industry that is in trouble, Wells Fargo has to be THE WORST representation of humanity next to Osama Bin Laden! Why is our government bailing out ### like Wells Fargo? We should have let them collapse so those people would have to work minimum wage jobs and live check to check like a lot of us. I guess I got victimized by Hurricane Ike once, and now Wells Fargo Home Mortgage is making the suffering even worse for me and others around the Houston/Galveston area. I am speaking with a reporter from the local Fox affiliate station, and have posted a large sign on my property letting the rest of this devastated neighborhood know that Wells Fargo Stole My Insurance Check. I look forward to suing them for the incessant misery that they have perpetrated on my family.
We were kick out of our home in March 2011, while we were sending payments to Wells Fargo. They sold our mortgage to freddie mac in 2009, but still recieved payments from us...Now we are stayin with relatives next door. Right now the property cant be sold because it has no septic tank because my inlaws gave us permission to use the one on thier property and also the property line has a building/shop on it...So we are waiting to hear about our property...I feel we should get it free and clear because no one else can buy it and they cant sell it. We have been under a lot of stress and i have become physically ill from all this...And my son has also felt embarrassed from this. If anyone has a similair story, let me know...It is a shame that all this happened, but they gave us the run around and sold our property and still accepted our payments...I just want my home back. I dont want to be greedy, but the fact remains that the property should of never been financed with no septic and property line on a structure...We lived in this home for 11 years and i feel that it would be best to just give us our home for the pain and suffering we had to endure the last 7 months...
God help me. I just initiated the process of assuming a home loan with WF. The home was first purchased in 2001. I got divorced 3 years ago and was awarded the property. However, within 3 yrs I agreed that I was to finance the home in my own name and release my ex of all liability. That time has come and I am at their mercy. I am not on the loan at all, but I have been paying, on time, through automatic debits for 4 years now. My score is merely in the 600 range. Of course, as far as the credit bureaus are concerned, I don't get any credit for paying a monthly $1200 mortgage for the last 48 ms. If I don't qualify, my ex will post foreclosure and my 3 kids and I will be out on the street. If anyone believes in prayer, lift us up. You all are in my thoughts as well.
Going through it now with them. I just got the assumption paperwork today. They said to fill it out and send a check of $14 or $15, and it takes 30 days to get an answer for my request. They did give me the run around for 3 days. I just got laid off and won't afford to make the next month payment, so hope they hurry it up. If not, may have to foreclose on the house. You would think...they would want to save there investment. I'm trying to get help before its to late. And they act like they can't help you...uhhhh
Wells Fargo was not interested in helping me gain a modification. They lost paper work, they miscommunicated, sent me to fax numbers that were not correct and when I called (several times a week) to make sure they got it, I would have to resubmit and go through the same innane process. I sent a full information packet which was certified and notarized. Wells Fargo says three months later that they did not get some piece of information but couldn't tell me what it was. At one point one representative told me to take 10, 000 dollars down to the bank immedately to pay on my mortgage. I called back to get paper work that would protect me and the new representative said "'Oh no, we don't want you to pay yet, wait for the modification to be complete." Wells Fargo's final letter stated they rejected my request for a loan due to missing information-none was stated. I called the Wells Fargo President's five star customer service center in San Francisco and Mr. Jake Frahm stated, "My manages do not like to see social security disability as income." even with sufficient income to cover the loan. The Fair Housing ruled in favor with Wells Fargo-why because they had no record of any of my information. A Class Action Suit is in order against Wells Fargo. They have learned to play the game by a bumbling communication network that they are not held responsible for.
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!
Oh, don't worry... I have been in this loan modification process since Sept. 2008! I kid you not! I have been transferred to more negotiators than I can count and nobody cares. Nobody. I am transferred and everyone has a different answer or a "just wait". I am told the same thing time and time again. Then I get one person who seems to know what they are talking about and I can never talk to them again. I feel hosed, taken advantage of and just get angrier every day. It is now almost June and I still have no resolution!
You go man. I have been in a modifcation since Feb 2009. Everytime I call to get an up date I am told the same thing. No news yet. Your loan hasn't been assigned to anyone yet. How long does it take to give a loan to an assigned person? I keep telling them that it has been months and you keep saying that my loan information is still laying on someones desk and no one cares one way or the other if it is ever assigned to anyone. Basically that is the answer I get. I wonder if any of them is in the same boat as we are? I hope their paperwork is still laying around waiting on someone to pick it up and look at it.
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This isn't necessarily a tale of a company ripping a consumer off, but it is a tale of apathy and disloyalty. I'm simply offering the following as advice to you should you find yourself contemplating a choice between Wells Fargo or another company for handling of your mortgage. Long winded, not very exciting story follows: When my ex-husband and I got married, we purchased a little 55k house in the City of Pittsburgh. His job was to make sure the bills were paid every month, and mine was to make sure the mortgage was paid. Which I did religiously, never missing a payment, nor was a payment ever late.
Somewhere along the line, my ex-husband developed an aversion to working, and I thus filed for divorce. While waiting for the final divorce papers, my mother and I began to receive many threatening calls from companies after my ex-husband. Multiple court summons were being sent to the house in his name. Speaking with one company (who had my mother crying, by the way, with threats to her since my ex-husband wouldn't talk to them) the representative told me they are ‘coming after the house'. I told him that such is not going to happen, because as part of the divorce, the house is going to become mine, not my ex-husbands. He said I had better ‘hurry up' because they had filed against him (my ex-husband) in county court. I knew the threats of court were real, as I had seen the many summons notices sent to the house in his name.
I finally got my final divorce papers, and immediately called Wells Fargo, who had been my mortgage company for the six years that I owned the house. You see, I couldn't remove my ex-husband from the mortgage until I received the final papers. I told Wells Fargo that I wanted to remortgage in my name only, explaining the divorce. Initially all seemed well, but then the Wells Fargo representative told me that it ‘couldn't be done'. And that he was sorry, but they cannot help me because of my ‘bad credit'. Now my credit was not the best, but it certainly wasn't bad! He wished me luck before he disconnected the call.
I then logged online and viewed a copy of my credit report. I was shocked to see my irresponsible ex-husband's handiwork – among a few other things was a joint retail account had been ‘charged off as bad debt', and there was a $10, 000 loan that I had cosigned on for him that he hadn't made a payment on in over a year.
I called Wells Fargo back and argued that I was unaware of these blemishes on my credit, and that I would take care of them . . but how can they deny me when I never missed a payment to them in six years? The representative agreed that I had never even had a late payment in all that time and that my payment record with them was flawless. The representative said he hoped everything worked out for me before he disconnected the call.
I scrambled and was eventually forced to sign an 11.5% mortgage with a company called HomEq. Once again, I'm not saying Wells Fargo did anything wrong – companies don't have to be faithful and understanding. I'm just presenting my story for you to keep in mind should you have a choice between them and another mortgage company down the road.
Was on and ARM mortgage. Knew is was going to mature in Sept or Oct. Started working early ( I thought) to get a fixed 30 yr. loan. At first in Feb. 08 I was told I was upside down like everyone else in the valley here and could not be helped. I waited.
At the end of May a friend and I went to see the mortgage manager at a local Wells Fargo branch. I told him I had 2 full payments and by the next payday I would have the 3rd. I told him my concern was that being in and ARM that was going to mature I needed to try and qualify for some government. I told him I did not know what was available. He told us that there was some programs but that I needed to be behind in my payments. I asked what he would advise me to do. He said with no hesitation, 'STOP MAKING YOUR PAYMENTS' and apply for a program. He gave me the number to call.
After the June payment was late I called them and was told they could not help me that the payment had to be 30 days late. I waited till after July 1st and was told I had to be 60 days late. I was then told 90 days and by the time it got to that they filed a default against me. Now I was really in a mess. In the meantime I am putting money back to make monthly payments.
During this process they gave me a fax number to send my financial information into them. After 3 different fax numbers that did not work I asked them if there was any one there that knew a working fax number. All I got was try this number. I faxed the information and also got the Ft Mill address and sent the information certified/return receipt requested. I did not really know how or what information to send so I was eventually denied. I was told I could reapply and I have.
This time I understand the paperwork a little better. I sent them property listings for other homes in the immediate area. I sent it in to the Hope4Homeowners program. I sent in a work up sheet with a basic estimate using a guess as to the current value of my home. I know the loan could not be for more than 90% which includes property taxes and etc. I have found out that it has gone to a negotiator as of Nov. 10. I sent in another hardship letter that went in on Nov 17th. I have not talked with them since doing this but I also went to file for widow's benefits with Social Security.
I simply need a loan modification from them. They have acted as though they are completely adverse to doing this. They would be willing to lose money, do a short sale, sign over my deed to them, anything else other than give me a modification that I can do that would keep me in my home. All I want is to stay in this home. I am so upside down. My loan is currently around $197000 and a best guess at the current value based on other homes in this area is $80000.
I am waiting to hear from them. I called last Wed. and I will call then again this Wed. or Thurs. So far they have not set a sale date. I want all sale dates stopped. I want a modification and if they are not happy then put it on a probation type staus. Just give me a chance. My current payment is $1585 or something a month. I need a modification if based soley on me down to $650.00 a month. If I rent one or two bedrooms out then maybe to $950.00 a month. I just need it to go down and be given a chance. It has to be a 30 yeart fixed rate loan though. Wells Fargo has been most uncooperative and you always get a different person. I just want a chance.
This has been a very difficult year for many people. My wife died of cancer almost 5 months ago and I was the primary care giver for 5 months before that and unable to work. My job is in the financial services sector and on straight commission and needless to say even when I could work, there has been very little business. I had money in savings, but through medical expenses and no work, it has been depleted rapidly.
I have contacted Wells Fargo Home Mortgage several times about either reducing the rate on the mortgage and principal balance based on a conservative 30% drop in home values (based on my direct conversation with a county tax assessor and may be more than that with an epidemic of foreclosures in this area). They had no programs available for assistance and finally referred me to HUD and Hope for Homeowners. I ended up with another number that went to their collections department. They said any adjustments made would adversely affect my credit and any reduced rate of payment, the interest lost would be added back to principal.
In essence, they were offering nothing and destroying my credit rating. I have not fallen behind on my mortgage yet but on the edge. I didn't want to go into default and completely wreck my credit rating and had thought about not making a payment for 90 days, but reading through some of the other entries, Wells Fargo either doesn't get what is going on in the market or they want to be owner of the largest number of homes in the US. They indicated that there was a magical date on their calender of December 16th that they were introducing a streamlining program that might help-haven't been able to get any more information on that. People in their refinance department also have no information about assistance to struggling home owners trying to meet their obligations but find themselves in dire circumstances.
I really should have known better than to go with Wells Fargo. Before I did this large mortgage with them, my son went in to one of their branches locally to get change for a $100 bill before we went to the local farmer's market. They would not give him change for a $100 bill because he didn't have an account with them-great PR and winning business. He wasn't cashing a check. Total inflexibility and confusion on their part has lead to frustration and not knowing what to do next.
I have been trying to negotiate a mortgage issued by Wells Fargo on a brand new modular home which was left unfinished and with major defects. Every government agency I contacted, DEC, EPA, Board of Health, Governor, Senators, Reps.Building Code enforcement, have all agreed that, Yes, there is a major problem, however we are not regulatory and therefore can not enforce the rules. You should contact an attorney, which I did, only to be told you have a good case, however as soon as the builder hears lawsuit he will liquidate his assets and you will get nothing. I have had to spend thousands to make the home livable, I am a senior, still working as a nurse to survive and have tried to get Wells Fargo to take some responsibility for having appraised this house and issuing the mortgage which is at a high interest rate and high monthly payments. Wells Fargo offers a loan to bring my loan current at 5% interest over 3 years. I am behind by one month, plus all the late charges and added interest. All I originally asked for was one months deferment, in order to catch up. Now I am in default with credit cards and behind on others. At this point 'walking away from this whole deal sounds like an option' Wells Fargo has not been helpful, take no responsibility for granting the loan in the first place, although it was their appraiser, who accepted the word of corrupt public employees that a CO would be issued on this house. I really don't know what to do and hope someone in Cyber space might have a suggestion.
Up until February 2009, I was current and making payments on time to Wells Fargo Home Mortgage. February 2009, a family emergency set me back 1/2 of payment. Wells Fargo. I was referred to loss mitigation department who closed the case without speaking with me. The reason was the person called me twice and I did not return the call. No notification was since prior to closing the case.
Since they did not help me, I had to borrow the other 1/2 payment with an interest rate of 24% because my credit rating dropped due to the 1/2 payment and them reporting me late to the credit bureau. I was told that no late charges would be assessed and late charges were assessed. I sent them a payment of $4198.96 and was told that the money would not be deposited until a decision was made concerning the late payment in February 2009. The payment was cashed and a late payment is still on my account. Lack of integrity and lack of honesty and lack of helping a customer when the customer is trying to rectify the problem.
It must be duly noted that Wells Fargo Home Mortgage is not trying to help customers and please do not believe them. Only God can be trusted. People cannot be trusted. I took this time because I did not want the CEO of Wells Fargo to "hang himself" or commit suicide because of not knowing what his/her employees are doing. They are harassing people, hanging up the telephone, and yes acting like crooks and jerks. Why get offended when you are given the truth.
My request is for a reversal of the late fees because I was told that since I called and made payment arrangements there would be no late fees. The payment arrangement was negated March 9, 2009 because I only had March 2009 payment and not the other 1/2 payment. This was not my doing but the doing of an employee who made the payment arrangement with me. She was probably fired because she was really trying to help me resolve my situation. My second request is for Wells Fargo to contact all three credit bureaus and remove any negative information from my file. I have been in constant contact with them notifying them monthly of my situation and trying to resolve it without their help. I am requesting that the $111.96 is removed immediately, late charge assessed when the family emergency.actually occurred.
Just recently I received a notice from Wells Fargo, stating that my interest rate was increasing. This increase was based on my other credit issues with OTHER companies. I have always paid my Wells Fargo credit card on time and have never missed a payment. My new interest rate brought me up to 25.65%. Needless to say I immediately called the company and canceled my card. My husband and I are full time college students and were recently laid off from our jobs. It's hard enough to even feed the family, let alone keep up on the bills. Why would a company try to screw you over more when your already being screwed in this damn economy?
NOT TO MENTION WHAT DID THE ### DO WITH THE BILLIONS OF DOLLARS IN GOVERNMENT BAILOUT? Not help their’ customers that's for sure.
Wells Fargo is a wretched company. I have been trying for the last six months to get a modification. The WELLS FARGO agents lie outright. They tell you whatever crap and the next agent disowns the previous agents statement.
I will never bank with WELLS FARGO again. I am sure other banks will come out of this mess and then Wells fargo will realize how important customers are.
They gulped 25 billion of our taxpayer money without a belch and refuse to help customers.
We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.