Wells Fargo’s earns a 2.4-star rating from 21 reviews and 1721 complaints, showing that the majority of banking clients are somewhat dissatisfied with financial services.
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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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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]
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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!
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.
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
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.
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 submit a hardship letter along with the necessary financial info. I had originally contacted the "HOPE" hotline and they took all my info. Then a rep from WF called for me to send the other information in and said he would be the one we would be talking to through the process. Desmond was his name... What a bunch of BS, haven't heard a peep from Desmond since then...
So, after submitting the information we finally get a letter from WF at the end of December with "moretoreum" aggreement that we would make a January payment of $400, February payment of $400 and then a March payment of $14000 before they would consider a loan modification for us! I called WF AGAIN to see if there was something we could do about the March payment because of course we don't have that kind of funds just laying around (bankruptcy last year...) The rep told me at that time we could make the January and February payments and then CALL them prior to the March payment to make "arrangements"... so we signed the paperwork and made the first two payments. I called at the end of February to make our "arrangements". The rep specifically TOLD me that I did not have to make the March payment as it was being rolled into the rest of our loan and was being submitted officially as part of the loan modification process. I asked her a few times, are you sure we don't have to send you anything for March, she said NO. I did however have to send all our financial info yet AGAIN and the hardship letter, AGAIN.
I called a few times to check the status of things, find out how we were coming along on our 30-60 day review. I was always told it was still in review. I ASKED EACH TIME-Do I need to make a March payment, are you sure? No, you do not was always the reply...
So fast forward to Friday, April 10th. I call to check the status, hoping to hear good news as I found out the day before the bankruptcy trustee had given up any interest so our last hurdle in keeping our home was to get our loan reworked with WF. The first person to answer the phone transfers me to another person who tells me "oh You're in FORECLOSURE!" WTF?
I'm shocked, what I say? They transfer me to yet another person, I'm like what's going on we've done everything you've told us to. They transfer me to their collections department... person number 4 now. Some cold, heartless, unfeeling soul who flat out says "You are in foreclosure because you failed to make the March payment." What the hell I say? YOUR COMPANY TOLD ME NOT TO! I have been nothing but cooperative in the matter. "I'm sorry ma'am, I understand you're upset and I'm not trying to argue with you." drones the [censored]. UPset?! Now there's an understatement! What do I do? I start crying, I cannot lose my house, we're trying to make this work! I thought the whole point in a loan modification was to help everyone?
Our home was on the market for the last two years, it has NOT sold. What makes WF think they're going to get anything out of it. Why not work with the people who want to stay? Who WANT to work something out?
The droning agent told me we could call the 800 number and see if we qualify for any loan modifications... Ummm, hello, isn't that what heck we've been doing for the last 6 months?! You'll have to submit a hardship letter and your financial info...AGAIN!
WELLS FARGO LIES! The customer service reps LIE! The lead you down one path and then screw you over! I'm am absolutely, positively infuriated! It was especially a blow to read in the paper just that morning that WF had made an enormous profit for quarter, RECORD earnings... just screwing us little people trying to survive in this economy right now.
IF you are trying to rework your loan be careful! Don't let them lie to you too!
The complaint has been investigated and resolved to the customer’s satisfaction.
I am shaking my head. Not in disbelief, but in total disappointment. I don't have a WF mortgage...I have their first cousin Natsionstar. Fortunately, Nationstar did do a loan modification. That's the only thing they have done to help. My biggest battle was on behalf of my parents who are 91 and 85 who could not afford to pay a 1400.00 per month mortgage on a fixed income that only generated 1900.00 per month and be able to afford utilities, food and medicine. I'm a widow who could only help sometime. So, I opted to request a modification on their behalf as they were behind on their mortgage and it was coming to the next step...foreclosure. I fought with WF for 11 months straight! Constantly, they denied their request and constantly, I appealed it. Their excuse was my parents income was not sufficient to meet a modification. Uh, hello! You can't modify a loan that they have paid for over 25 years at your ridiculous interest and principle and you can't modify it to meet their need? Needless to say, I filed a complaint with the Bureau of Consumer Finance Protection Agency only to allow WF time to shuffle numbers in order to make sure my parents lost their home. It was foreclosed on last month. I hate WF and would do without cash before I would even use an ATM machine they owned. They have no heart or compassion for the people. I wish WF would dissolve...quickly!
I began researching available government and private programs in January 2007 after I had broken my ankle, found out I needed 2 hip replacements, my husband was killed in an accident and lost my employment in 2007. I went through financial and Housing Education counseling. and jumped through all the hoops for a number of agencies I had to file bankruptcy in February of 2008 but always had kept my mortgage current. I was approved for SSDI in May of 2008 and did not receive my benefits until November 2008. Wells Fargo told me I had to be delinquent 3 months before they would discuss a modification and to not make my payments for 3 months so I could apply for a modification and foreclosure proceedings wouldn't start if I was in the process of trying to get said modification. When I couldn't make my July 2008 payment I contacted Wells Fargo (I called on a weekly basis) and told them when I got my SSDI retro pay I would get my payments current. All the while believing what I was told by Wells Fargo that since I was now 3 months in arrears and that I had applied for a modification due to hardships that foreclosure proceedings would not be started. Needless to say I believed this and what a bunch of lies. Foreclosure proceedings began October 2008 and they had a sale date of January 2009. So once that occurred I was doing all I could to get the money to get it out of foreclosure (I wasn't about to lose my home and just forget about the $50, 000 down payment I put on the house when I bought it!) In July of 2008 Freddie Mac referred me to the Housing Education Program and it 3 months to do all that was required and I was found to be a good candidate for a modification and the transcripts were submitted to WFHM for consideration on October 15, 2008. Then I receive a letter from an attorney dated Oct. 27, 2008 that I needed to contact them regarding my existing mortgage and that I may be eligible for a modification that Lenders are required by Law to offer a modification prior to issuance of a notice of default and foreclosure ; they had already issued the notice on Oct. 9, 2008 and had a sale date. Then I received a letter from WFHM dated November 14th stating they had closed my modification file since I brought my payments current. In all my correspondence it was made clear that my income was still going to be reduced by 46% and that wasn't going to change that didn't matter I had to start the process all over again and WFHM put me in a fore-bearance agreement. In the meantime our economy took a dive and my home I paid $243, 000 for in 2005 (with a $50, 000 down payment) was now worth $129500 in 2011. So after 3 years in a fore-bearance they finally modified it in March of 2011 and it is now 2016 and due to the fore-bearance I owe almost as much as my original mortgage from 2005 with the interest rate changing annually after the first 5 years AND THEY CALLED IT A MODIFICATION! I was treated horribly by Wells Fargo and was given the run around on my modification for 3 years and I sent them all the required documentation every 30 days as required which usually had to be sent 2 or 3 times monthly because they couldn't locate it even after faxing it I would call to verify they received it. They are crooks and they would much rather make it so difficult most people give up. I FEEL THEY SHOULD HAVE TO PAY ME BACK FOR THE MONEY I PAID TO GET IT OUT OF FORECLOSURE, ALL THE FEES THAT ACCRUED DURING THE FOREBEARANCE BECAUSE THEY HELD OUT ON GIVING ME A MODIFICATION AND DIDN'T GO BY THE RULES SET FORTH BY GETTING A BAIL OUT BY OUR GOVERNMENT WITH OUR TAXPAYER MONEY, WELLS FARGO DOESN'T KNOW ANYTHING ABOUT THE TRUTH IN LENDING THEY QUOTE SO OFTEN. I HOPE SOMEONE SUES THEM, IF SO CONTACT ME I WANT IN!
Hello violated Wells Fargo Home Mortgage (ASC) customers,
While I am sorry for the abuse that you have ALL suffered at the hands of WFHM (ASC), it is not surprising as we are dealing with WFHM (ASC) in our office on a daily basis for clients that have experienced the exact same issues that you all have stated in your valid complaints. Can I say that there are multiple consumer rights violations under Federal law that I found in the all of your complaints and I am on a mission to educate consumers on their consumer rights!
I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks like Citi, Bank of America, Chase and Wells Fargo that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like ASC, SPS, SLS, GreenTree, Bayview, Caliber, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of WFHM (ASC) but I commend you for seeking help; too often homeowners do not fight for their consumer and constitutional rights! With that said, you have overlooked a key aspect to your fight, which is taking it outside of ASC to government agencies that will actually fight for your rights on your behalf by simply submitting a complaint after a proper QWR; you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully.
We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.
First, let me point out that ASC has violated your right to a "Fair Review Process" as afforded you under the CFPB and RESPA (Dodd-Frank). Also, ASC has violated the Federal "dual-tracking" laws that state, "Under the CFPB's new rules, dual-tracking - when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure - is restricted". Lastly but probably not the end of the violation list with deeper digging, ASC has violated your right to exhaust all other options prior to foreclosure and the "no surprises" law that states that borrowers "shouldn't be surprised by the start of the foreclosure proceeding until they have had time to explore all other options."
In the event you have further questions, you can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact WFHM (ASC) on your behalf to determine the status of your loan as well as what options exist for you as a borrower/homeowner...free of charge to you!
END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.
I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!
Every new beginning comes from some other beginning's END
Respectfully,
Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com
I have been dealing with WF for over 3 years! Back and forth with paperwork and foreclosure sale threats. Basically my husband lost his job and our loss of income caused major ripples in all aspects of our lives. "Smarter than you think"
I have given WF-
-IRS forms
-hardship letter
-bank statements
-budget forms
-letters from my husband's new employer
-3 trial modification payments and addt. payments bc I was told to keep making payments while I was waiting for the final mod.
Just found out yesterday that my mod. was not approved because of a title issue with another bank Suntrust (for a home equity line of credit).
Suntrust gave the subordination agreement to WF based on what was recorded in the clerk of courts. Wells Fargo is not accepting it. Hmmmm sounds like to me they don't want to work with me, they want their money and want to foreclose.
You all are complaining but not giving any facts - just what you think is going on. I can help you but you need to put in your comments if you are past due now and were you when you began the process. Are you employed? Self-employed? Receive benefits such as SSI, SSDI, Pension, etc? What have you submitted to the bank already and what are you being asked to submit - if anything? Why were you denied? For that you need to look at the denial letter - not put in the comment that "the bank screwed me" - you need to put the exact reason.
Like I said - I can try to help - but only if you give specific details.
I just received today... a notice to vacate my home. My family home for fifteen years just got sold on Friday, I have been working very hard with wells Fargo- to get a loan modification after I sent all documents and information requested the bank never placed the loan back for"REVIEW" and it was too late t stop auction of my home. I am crying alone ... I do not want my five children see me so sad. Wells Fargo does not have the best quality control, or the best interest in mind. They will mess you up.
Same sheet as everybody else since 2010 ive tried 3 times with no success. I just emailed the president of WF but im sure that will do no good. Nothing else has. Dont know what im gonna do? Out of savings to boot trying to keep this house i love going!
OMG I wish I had seen this before I started a loan Modification with Wells Fargo. I have nearly had a nervous breakdown trying to get this done since last Oct. 2011, it's now Sept. 2012. They told me we qualified and to start making trial payments, Meanwhile the banks mtg. dept is telling us we are over $4000 behind on our mtg. payments. We were told by the the negotiator that we would not have to make mtg. payments and modification trial payments too. Good lord what are we supposed to do. I am absolutely livid! I am going to contact all of the same people Senators, Fed. trade Commission and who ever will listen. We have never been behind on a mortgage payment. We just need help because of the financial mess. the country is in. All of the high prices of gas, food and whatever.
This comment is for Gertie128.
Not everybody is a bum as you're describing, some of us worked 40 years of our life doing the right thing. You missed the whole point, I'm not asking for help after 2 years of paying my mortgage I've been paying it for 20 yrs. They have been paid already twice the original loan and they could help someone paying the rest off.
This is my 4th time trying to remodify my loan with Wells Fargo, demons from hell!
The first 3 times I was turned down because I did not make enough. REALLY, if I made enough I could pay my mortgage. The 4th time I submitted my income as well as my husband's who recently got a new job. We are 3 months behind on our mortgage due to me being out of work and him working in the real estate field on commissions only for the past 2 years. We send whatever we have and can still barely afford our mortage. Well, I just got news that they accepted me into there re-payment program so now instead of paying our usual $1335 a month they want $2700 for 6 months. Thanks a Freaking lot! How does this help m. Are they that stupid? If I cannot pay $1335 and I am struggling how they hell can I pay $2700? I HATE 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...
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!
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
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!
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...
Read full review of Wells Fargo and 2 commentshigh 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.
The complaint has been investigated and resolved to the customer’s satisfaction.
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 :(
The complaint has been investigated and resolved to the customer’s satisfaction.
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.
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.
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!
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!
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.
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.
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!
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
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.
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 modification. Reopened it with a brand new negotciater this is my second handler. This is his name, who im not allowed to call "Xin-Hua-Quian" that sounds real promising huh? Please Please im asking all of u with complaints to call the FTC. [protected] . IF ENOUGH of us who have been wronged, which looks to be a boatload. The FTC lawyers will file a class action lawsuit. FTC is the federal trade commission. I have paid these ### over 70, 000 for the last 4 years of paying my ridiculous ARM. Now they wont let me out. For things like missing signature or date on bottom of 1 document . This so called company is flat out ruining lives. They lie, they cheat, they intimidate, they steal. Call the FTC [protected] and your state represenative lets stop them together. In the meantime dont give up, stay on them, make them (ASC) prove to you who really carries your note and who the investor really is. Nickel 32
Hey Gary,
I just started on this complaint board but im trying to get the word out and reply to these comments. So people like us can feel like we are doing something to Fight back. Here is another contact please pass on everything you can. FTC [protected]
CEO Wells Fargo Home Mortgage cara.k.haiden@wellsfargo.com
The complaint has been investigated and resolved to the customer’s satisfaction.
it is the art of wearing your oppenate out rtrition, they want money and will do and say anything to get some, no matter what their attorneys agenda is, so many horror stories about the trials where the attorney files foreclosure any ways and sales proceded while trial period is going forward and or they take your money with high hopes and lis penden you any ways, they are snakes. and their attorneys too watch the inflation rate of your moneys due they will inflat amount owed and stick it in your credit report. also they will not show all the payments you made on time or in the trial on your report.
I went through 6 trials and the 7th stuck, no reduction in principle and a arm after 8 year, just a bandaid, Then citiizens home owners insurance dropped me, street and local taxes went up, my attorney looked at the crap loan mod and said BK 7 surrender,
you can rent for what it will cost you to keep this under water inflated depreciated peiece of realestate
Its frustrating to think we just live in a world of corruption and no one gives a @#$%.
I am trying to get SOMEONES attention with this and seeing 100's of complaints for the past year, doesnt seem to be going anywhere. My brother began the process over 8 months ago.
Here was our letter:
Subject: Mortgage Re-finance Scam?
I was wondering is there some kind of a refinance mortgage scam going on?
Is there some type of federal incentive that requires banks like Wells Fargo to help homeowners with Re-finance in lieu of foreclosure?
The reason I ask is that my brother whose home mortgage is through Wells Fargo seems to have this problem happening where after losing his job and taking a minimum wage job could not make his full payments of around $700 per month.
He accepted the fact foreclosure was inevitable and advised the bank he simply could not make the payments.
Wells Fargo said he qualified for a refinance or loan modification program and after 3 months and a lot of paper work his new mortgage reduced his payments significantly thus allowing him to keep his home.
They guaranteed this was permanent and fixed following a 3 month trial period. 6 months later it stopped. When asking what happened they told him someone that processed the paper work failed to file “something” or it became lost. He had to start the process once again.
4 months ago and another 45 day process with lots of paper work he was granted a new mortgage, 30 yr (was originally 22yr) and lower payments that would go up 2% in 5 yrs, then 2% more in 10 yrs for the life of the loan. Then they told him the last two documents to sign would make this final.
He asked “are you sure this is complete this time?” and they assured him this was fixed, guaranteed and he was set for the 30yr loan. No further action was required.
They auto debited the first reduced payment. The following month no payment was debited from his account. When he called, Wells Fargo told him he was dropped. When he asked why, they said he failed to sign one more document. He asked why they didn’t advise him of that as how would he possibly know a document was missed.
Wells Fargo simply stated it was too late and there was nothing he could do. So back to possibly being foreclosed.
Twice his refinance option was mishandled by Wells Fargo, and he was charged fees for this and then they dropped his new mortgage reverting back to the original mortgage.
I was told by a real estate agent in Arizona he was hearing many complaints about this happening to other people. I also checked on line to find 100’s experiencing the same thing with Wells Fargo.
What I don’t understand is why and what the bank would have to gain by what appears to be intentional mishandling of the process so that they may revoke it shortly thereafter.
Is something underhanded going on with the banks (or Wells Fargo)?
(In case your wondering, my brother up to now has held excellent credit history and in BOTH cases authorized auto debit for his mortgage payment so was never late with any revised payments.)
Concerned Consumer
Get the press involved also, I email our local TV stations constantly in hopes someone will pay attention. They bail everyone else out in this country but homeowners...it is a crying shame. !
Thank you very much. I just did. Will see if they can really help. Meantime I am afraid to loose my house as i am 3 months behind. I can not afford current payments, $2, 442 monthly. Am not sure if reduced contributions would help to save the situation as according to their Collection Dept. I must to bring my account current to avoid a posibillity of foreclosure. I desperately hoped for the loan modification to finally happen, but have to start the process over again.
They will never admit an error even when it is blatant. File a complaint with your state Attorney Generals office...they will get to the bottom of it...take care and I feel your pain. Lollypup !
I have started my loan modification in November of 2009. It is June 14th today. I was removed from the program 3 times already. (1) They have approved me for the trial period and then cancelled it with no reason. I have started hte process over again and has been denied because I was current in my payments. The explanation was: if you were current, you were not in hardship, so no modification is possible for you. I have started over again. After 2 months a negotiator was almost assigned to my case. I kept calling to WF every week to make sure the modification is progressing, the paperwork is up to date. I had hoped to finally receive a loan modification offer, but have received a denial letter instead. The reason for my removal from the program was: I have not supplied a requested document. While checking with them I have found out that they expected an afidovit from me but never told me that it was the only step away from completion of my modification. It was missing but they have never told me about it. Now I have to start the process over again for the 4th time. WF`s Loss and Mitigation Dept. is refusing to to accept this missing piece of paper and reinstate my account. They recommended me to start the whole process again. Is it some kind of game? Are they get paid per number of denied cases? I do not understand why they would better initiate foreclosure rather than accept the fact that they screwed the whole process up, reinstate the account and complete loan modification?
Hang in there people - they do help - after 8 months to the date I have gotten a positive outcome. They are starting to pick up the pace. I had a bad attitude about them, but I don't anymore. I hope they help more people though.
The loan officer above is not living in the real world. Obviously, she still has a job. Those of us that have lost our jobs and cannot find work, lost all their retirement income in the wall street blow out, lost their equity do to rapidly declining home values, and have used up all their savings to stay current on thier mortgage this past year have been paying ande trying in good faith...we did not create this mess and if the government is going to blow my tax money on bailing out big business and in fact, ms loan officer, your employer and your job security, the banks, then it only makes sense that they should offer us the same options, the same doors of opportunity...get real ...we did not put down big bucks, make payments for months and months to loose our homes...I HATE that perception of us borrowers...it is just propoganda from the lenders to accuse us that way !
There is a second blog on this site with the same issues, Wells Fargo home loan modifiction issues. We should combine forces. I have been copying my blog to the media here in Phoenix as well as the corporation office for Wells Fargo.
Attorney general complaints filede with your states attorney general have been very helpful here in Arizona. Lollypup Linda D
Also here is the latest source of "Help" for freddie mac borrowers:
Freddie Mac Starts Door-to-Door Effort Helping Borrowers Complete Home Affordable Modifications
Titanium Solutions, Inc. to Help Borrowers Complete Modification Applications
For Immediate Release
September 29, 2009
Contact: corprel@freddiemac.com
or [protected]
McLean, VA – Freddie Mac (NYSE:FRE) today announced it has hired Titanium Solutions, Inc. to meet with delinquent borrowers at their homes and help them supply missing information, documents and complete other actions needed to begin their three month trial payment periods for Home Affordable Modifications under President Obama’s Making Home Affordable program.
Titanium Solutions will target late-paying borrowers with Freddie Mac-owned mortgages who have not returned letters or phone calls sent by their servicers, or who need to provide additional information or documents to launch their three-month Home Affordable Modification trial periods. Titanium will also help those borrowers who have started their Trial periods complete the documentation process to enable them to be converted into final modifications.
“By meeting with our borrowers, one on one, in their homes Titanium Solutions can help them overcome the roadblocks keeping them from starting their Home Affordable Modification trial periods, ”said Ingrid Beckles, Senior Vice President Of Default Asset Management at Freddie Mac. “We believe this can give borrowers seeking Home Affordable Modifications the same type of personalized guidance they may have had when they were buying their home or applying for their mortgage.”
“Through this initiative, Freddie Mac again demonstrates their commitment to helping homeowners in need. We are pleased to work with them to improve contact with at risk homeowners who are in jeopardy of losing their homes to foreclosure, as well as increasing the number of homeowners who receive and are approved for a modification, ” said Patrick Carey, Chief Executive Officer at Titanium Solutions, Inc.
I finally got my trial period paperwork and sent it it ! Best of luck and keep on the pressure. Linda D Lollypup
Chris, Wells Fargo is dicking us around. I found out Friday the used BOGUS, INVENTED, data for my expsenses to pad my "deficit" so they can reject me. they invented CAR PAYMENTS and DEPENDENTS and STUDENT LOANS I DO NOT HAVE and used ARBITRARY numbers for my grocery, utilites, etc. SHAM SHAM SHAMEFUL SHAM.
It was the last straw, they will get a lawsuit from me.
overcharged
I was so fed up with Wells Fargo and their strange overdraft fees I began searching online for others who may have had the same situation as me. I was surprised to see how many people were complaining and relieved because I know I am not overdrawing my account and just crazy. I have had overdraft fees when my account goes low and then purchases keep moving around as to which date they actually come in. Wells Fargo internet banking keeps changing the dates or times when things post or come in. Things get moved around so that your deposits may or may not actually be entered with a correct date/time. So by moving the deposit time around on any given day, your account will go into the negative.
Here's my most recent incident.
I had money in my account and transferred my last 20.00 from savings to checking on Monday last week, 3-23-09. By Tuesday I had six dollars in my account with nothing coming in. I checked off all my purchases or bills before I left for work and checked the internet against my register. Everything had gone through. I spent four dollars for lunch. The next day I dropped in 26.00 just to spend if I wanted. All week my account was fine. Never did it show that I was overdrawn and according to my accounting I was never overdrawn. By Friday morning I had $20.89 as I knew I should. At 3:20 pm I had two bounced check fees.
What happened supposedly was that I bounced that four dollar lunch expense on Tuesday and the fees didn't show up until Friday afternoon but one of the fees was dated for Thursday. I did not see an overdraft on Thursday. Never, during the week, did my account show I was overdrawn. I could have went to the bank to talk with someone they could have corrected it if I saw the fee. How is it that a bank can consider you overdrawn but wait 3 days to let you know? I could have really messed up with having an overdrawn account for 3 days and not even knowing it because it doesn't show up for 3 days to even let me review it.
During the week all the purchases kept re-arranging themselves. I believe there is some formula that knows when I am low and re-arranges everything so I do bounce a check. I keep telling the Bank Manager that I want true accounting and whatever this is - it's not true accounting. Whatever comes in first needs to be put in the account first and whatever purchase come in first need to be paid in the order they come in. They said they pay the biggest bills first. It's my money I want the bank to be a bank. I am entrusting them to handle my money.
When a deposit hits the account in the morning and then purchases come after that deposit, they should be covered. This is not what is happening at Wells Fargo. Your deposit of cash may actually be moved to later in the afternoon and then your purchases may bounce.
I am not spending before money is in my account. I monitor my account several times a day because I have had so much trouble with Wells Fargo.
I am fed up with them. I'm tired of the bank manager telling me that I just don't know how to balance my account. I have believed for a while that there was some formula in their system that knows what to do when I am low on my account - not overdrawn - but the funds are low. I have had this bounced fee situation going on for a while and it happens about every four months and only when I am low.
I also have two bills that come into my account on a specified date. Then they drop off for a couple of days and come back in. Doesn't that seem strange? The bank blames it on the companies that I am paying and says that it is not their problem and it's really the companies that are doing this that are at fault? Ummm really? None of my other friends with banking accounts at other banks have this problem. Bills don't pop on and off at random.
I am interested in pursuing a class action suit against them as there are so many other people, on various sites, that are saying the same thing about overdrafts as well as strange mortgage situations. I am tired of being screwed by the man and then bailing them out.
I do not want to here people say that I can not balance my account. I live paycheck to paycheck like most people and manage my money to the last penny. I feel as though the people who are making sarcastic remarks probably never have had just six dollars in their account. I'm sure they have thousands and just think those of us that complain are idiots.
I'm mad as hell and I'm not taking it anymore!
Please write to the BBB and the Attorney General of your state and the Federal Trade Commission. I will be pursuing a class action suit.
The complaint has been investigated and resolved to the customer’s satisfaction.
Wells Fargo is a rip off totally ! Open a unauthorized auto acct after orignal first account was paid off.had repossed my car after they open up new acct and paid 1, 000s of dollars to get car back after they didn't inform me of a new acct they started and added car ins over 1, 000 dollars that I already my own ins and late fees and I can go on and I happen to get my credit report and compare my receipts to each month I paid until 60 mths loan agreement on time. Every month and still paid over 7 xtra months after amount on loan bowerred and repossess my car and stated I owe 4500 more dollars.im furious and brought to my attention they have excessive lawsuit against wells Fargo in courts around world for unauthorized charges making acct reposessio and collection.so u see I got screwed but my lawyers stepping in to get some answers and money overpaid
Have you spoken with an attorney?
I too had small debits from a Friday come through on Tuesday with a large check. I should have had 1 NSF fee, but they always manage to make it look like all charges came through the same day and charge you 6 NSF fees. I have sent my complaint to the Office of the Controller of Currency. Don't know how they can get away with it.
I had fraudulent charges on my account 3 weeks ago, and they have just now resolved that issue with items returned and huge late fees. When I asked how they can return items when the problems is still trying to be resolved, I got the answer of "Well, the system doesn't understand". What idiots.
Wells Fargo have held off depositing my pay check in order to collect overdraft fees. Wells Fargo debit larger checks before smaller ones that are drawn on the account in the same period. Doing so assures that a larger number of checks bounce if I have insufficient funds, resulting in more fees for the bank.
I would like the bank to reimburse all the fees that was wrongfully charged. Fees totaling $1000 over the years.
Six weeks ago we checked our credit report with all 3 credit agencies. It was perfect, pristine except for an auto loan that Wells Fargo claimed to have given us 8 years ago in which the payments were untimely... damaging our credit. Neither my husband or myself have ever done business with Wells Fargo!
Sent them a letter over a month ago asking for copies of all their documentation on this 'loan'. Wells Fargo has not responded at all. They are responsible for this mark on our credit report which is a lie and has injured us yet they ignore our request for documentation which the government says they must give us. Not trustworthy to ever do business with from my perspective.
Wells Fargo Financial Cards called me at work to collect a $35 over-the-limit charge on my credit card. By the way, I did not want the card, but it was transferred over to Wells Fargo from Lazy Boy Furniture. When I told the person that I was not at liberty to discuss the issue at work, she became rude and demanding, insisting that I settle when I was going to pay the amount then and there. I gave the collector my home telephone number (which they already had) and asked for a call-back after 6:00 pm when I would be able to discuss the call. Later, when I arrived home, I called their 800 service number because the call at work had been very distressing.
I was told by the customer 'service' rep that the $35 was the annual fee that put me over the limit. I asked her to remove that amount. She verified that I was a good customer, always paid the bill on time, etc. So she agreed to remove the $35 which put me over my credit limit. She then told me my next payment was due at the first of the month. When I went back to my personal bill file, I noted that I had already paid that bill (about two weeks before the bill was actually due). The next morning, I called the 800 number again just to verify that the charge had been removed. It had not. I once again explained to that 'service' rep all that had happened and she assured me that she would indeed remove the charge. When I asked for her last name or the name of the manager so I could be sure to follow up if necessary, she declined to give me that information.
About a week later, I started receiving phone calls from Wells Fargo Financial Cards collection again, now stating that I owed over $70 in overcharge to the account. I told them they were mistaken, but apparently 'new charges' had been added to my bill. They insisted right there and then that I make a payment arrangement. I declined, telling them that I would not make any arrangements until I actually had a bill in hand and since I had already paid the bill for that month, they would have to generate a new bill. The 'service' rep insisted that I make a payment arrangement then and there. I firmly declined and asked to speak to her supervisor. 'Michelle' came on the line and told me that I had not adhered to the terms of agreement for the card. I was also told I would receive a phone call every day until I made a payment arrangement. I asked for the name of the president of the company and Michelle LAUGHED at me, told me to have a nice day and hung up.
Through time and energy, I found the name of Anne Jackson who is supposedly the president of Wells Fargo Financial Cards. I wrote her a letter of complaint, telling her that I did not want to be contacted any further by telephone and asking that she write me a letter of confirmation. I sent the letter by certified mail and received a confirmation that my letter had been received, however, Ms. Jackson had NOT signed it. It was signed by John Pierson who probably works in the mailroom. I seriously doubt Ms. Jackson has seen my letter. And here's the reason why:
I received a letter yesterday from Wells Fargo Financial Cards informing me that my account had been closed and no further charges will be accepted on the account. (Yesterday was February 24, 2009. On February 20, 2009, I sent a payment in to them, again it was two weeks prior to when the actual payment is due.) I was instructed to destroy all my Wells Fargo credit cards and convenience checks (which I have NEVER used).
I will never do business with this bank again. I will also make it my personal campaign to tell everyone I know who is thinking about getting a credit card, applying for a mortgage, opening a checking account, investing in a CD to NOT use Wells Fargo Bank. As far as I am concerned, they are a shameful lot. I hope the next company I hear about going under on the national news is Wells Fargo Bank. They certainly deserve it.
By the way, I will be sending Ms. Jackson a second letter with half of my cut up credit card, along with several reports I've copied from [redacted], and a copy of the idiotic letter I received yesterday. I will be giving her my home telephone number so that if she chooses to call (which I highly doubt she will) I can ream her and her company good.
I called Wells Fargo about a charge on my bank statement that I didn't recognize, and they answered my question. I had done this before many times for free, and thought nothing about it.
I check my online statement a couple days later to find a $2.00 charge for that phone call. It was the toll free number that allows a person to check balances, ... and to speak to an operator. I then called again, and spoke to another representative about this $2.00 charge. He said Wells Fargo charges for questions that could have been answered by the automatic teller.
There was no warning of this charge before a live operator picked up the phone. I think it is B.S., and want to warn everyone.
I had been a customer at Wells Fargo for over 15 years when I went through a nasty divorce. I noticed right away I was treated differently as my ex- got the business and all the money even though they had only dealt with me. In November of 2008 the bank misplaced my deposit of 10, 000.00 and even with a receipt in hand they would not credit my account. The bank manager asked me to leave the receipts with him while it was researched while over the next three months sending me home with a dept phone number and no money in hand.
While this was happening my credit card was overdrafting to the tune of 17000.00 and in late December of 05 I received another phone call stating I never made my payment. I had all my accounts on auto pay and had over 20000.00 in the bank.It was a Saturday when i got the call that i had not made my payment and after everything was said and done I found out i was overdrawn. The following Monday I spent 6 hours in branch, The teller took my money and then asked me for exactly the same amount for my checking. I questioned why I would pay both my credit card and checking account and so we began out inquiry. I found out i had overdrafted my credit card over 17k and no one had told me. They rewarded me once again by recharging my credit card which overdrafted again and charged off my account. was pissed.
I went to another san ramon branch and begin trying to straighted out this mess. I could not and it continued to snow ball into my business accounts. Even though i took everything off auto pay the bank helped themselves to another payment and overdrew my business account. They then closed those accounts and turned me into telecheck even though they were the ones who over drew me. The bank president has been working with me on this mess since Dec and it is still not resolved.
Last week the same overdrafted credit card was turned over to there recovery dept which in turn is now suing me.They informed me there was no fraud because the overdraft came from my checking account even though I have a fraud claim filed.
Bottom line in 2 months i went from having a credit score of 800 to 580 and the refuse to correct there mistake.
Same ### happened to me. Go read about MY complaint. BTW, I talked with an associate at Wells Fargo yesterday who talked to someone on the phone and confirmed that MOST businesses have up to 45 days to process any transaction. My problem is that the money came out of my account after I already made each purchase. Then the ###s took out more money and WF said it was because the businesses didn't process any payments until 7 days later (after I got back from my vacation which lasted a 7 days). He told me that the bank can only post to the account when the business sends the process through, but the every purchase I made already showed in my account. And despite it showing in my account, I still ended up overdrafted when I shouldn't have been. The dude took the fees off, but I still owe $10.81 which I need to deposit before I close my account. I deposited $60 the day after I got back from my vacation, on the 18th, cause I owed my boyfriend some money. I sent it to him the day after I deposited it and everything was fine with my account. I still had $13 but WF said that when I sent out the $60 it sent my account into overdraft.
The Wells Fargo dude said that after I made the $60 deposit, it showed that I had over $200 and I told him that was not true because when I logged into my account it said I had $78. Basically he thought the situation was bizzare (I think he was one of the managers) and one of the bank tellers also thought it to be bizzare. At least he took the fees off though and I only owe $10.81. I hate Wells Fargo.
We are going thru the same. My husbands DD from work went in the account...funds avail fri..same as my unemployment ck. I paid a cpl bills this morning...look at the account again this afternoon and 2 checks hit my account...which is fine...but they then chrge us NSF fees! Please explain what for since the funds were there...you paid the checks...I had even taken some money out of an ATM earlier in the day...but you then hit me w/2 charges?! They did the same BS to us last week when my unemp. ck went in. I had 2 checks come thru...on Friday morning...same day my dep is available to me and they hit me w/2 charges! I have emailed them and they could never explain...just went around my question. We are getting ready to close this account because they SUCK! I did not have these issues what so ever until they bought out Wachovia!
I usually find that the people that work for wellsfargo to be very nice and helpful but not tonight. I talked to someone who calls himself a supervisor and man his insults to me the customer with long standings with this bank and excellent credit rating to be talked down to the way he did. He needs to take a vacation or time off/he stressed me more than I needed to be. And the music while on hold was awful..maybe they play that music so you hang up..Any ways tonight was not a good night for me and Cody at wellsfargo..He must really think he is someone with that "special title"..Mr. Supervisor Cody from Wellsfargo..
repo man rammed into me & my suv then ran into mysister with his car: then states he is the repo man!
On Saturday 03/28/2009 approx. around 5:00 p.m. and 5:30 p.m.
I just came back from the Maplewood library using their Wi-Fi to log on to school and complete assignments where the time and date will verify this in which my sister and I were parked in her van with my 5-month-old daughter. When I finished my sister parked in her van outside across the street on Trailwood Street and faced westbound. We talked in her van for about 10 – 15 minutes outside my home across the street. We saw a man in a white car, which had parked four townhomes away from my home; he faced Eastbound on Trailwood Street. I mentioned to my sister that it looked liked he was staring at us in her van. I saw him speak to a resident whose house he had parked directly in front of, so assumed that they knew each other. The whole time while we were at the library my SUV was parked in front of my home, in front of my daughter’s window facing Eastbound, in my parking spot facing Ashley furniture.
After we finish talking about our plans for the night, I then walked to my SUV got out a couple of CD’s to give to my sister then walked back to my house to change my clothes, bring my daughters stuff back to my sister van outside. I then walk over to my SUV got ready to park in the garage since I was not coming home for the night or very late, to go bowling dropping my daughter off at my mother’s house and Shavonne leaving her van parked in my spot since someone from her work was picking us up.
I then get into my SUV and start to do As I a U-turn, I then noticed that the guy in the white car has pulled up right next to my car, so did a friendly wave of “I’m sorry” and moved up to allow him to pass.
I looked over my left shoulder to see if he had enough room to get through, I am doing this, he passes and then drives around and hits his car into the back of my SUV which makes me hit my head on the window.
He strikes the back of the SUV for a second time. I am thinking I have no idea who this is and “never” saw him before or knows what he wants. So I drive onto the curb and onto the grass and he then follows and hits the SUV for a third time. I then start to panic since all of my belongings are in the van with my sister, including my purse with my cell phone so completely stop the SUV hoping someone calls the police as he is doing this. As he hit me, there is actually a teal car full of people, who was behind his car when he struck the SUV. As I stop driving, the guy pulls to the front of my SUV and his car and my sister jumps out the van and goes between the middle of our vehicles since we both have stopped and she starts screaming, “Why are you ramming into my sister?” The man in the car does not say anything still.
My sister then tells me she is calling the police and for me to do another U-turn turning around again to head towards Ashley Furniture go into the garage for safety until the police arrive. As I do this, in the meantime he hits her body with his car in the attempt to follow me, which I did not witness.
As I’m going around the whole complex I looked in my mirrors and seen his car flying down the street doing approx. 40 mph in attempt to catch up with me since I had a head start.
I come to the end of Trailwood and trying to make it towards the garage reasonably but knowing there is kids around I just stop and think of what to do. He then rams my SUV for a fourth time from the back. At that time, my sister meets us again at the dead-end of Trailwood opposite from Ashley Furniture. There is another witness who is jogging and a call for help but she states she doesn’t have a phone as she is saying this the guy then rams me for the fifth time and then one last time cornering me in and trapping me so I couldn’t leave.
At that time, my sister had driven to where we were and asked again “what do you want?” he finally rolled down the window and stated, “I’m the repo. guy, you know who I am!”.
I then confirm his answer by saying “you’re the repo guy? Why didn’t you say that in the first place and I never saw you before and when I came to and from my SUV earlier why didn’t he identify yourself then?
My sister then screams you rammed into my sister and you physically hit me with your car and you left the scene of the accident twice; “don’t move the police are on their way”.
The guy’s response to me was “give me the keys to the vehicle”.
I then told the guy “I’m not going anywhere I just need to get my daughters stroller out of the truck and a few garage bags. The guy stills doesn’t let me leave but demands the keys still. I then ask the guy if the woman that was in his car if she can come with me since he didn’t believe that I was going to return outside with the SUV. He finally agrees to this and she enters my SUV and backs up his car so I can drive again.
While the woman was in my car I asked her why didn’t they identify themselves when they saw me go into my SUV, walk back to my sisters vehicle, then enter my house where I spent about 15 minutes changing my whole attire inside. Then walking outside to give my sister my daughters belongings then go back into my SUV doing a full u-turn in the “same” direction facing Ashley Furniture on Trailwood and why did they park so far away and didn’t knock on the door when they knew I was the owner of the SUV demanding the keys back.
The woman’s response was “the bank tried getting a hold of me and my family wouldn’t answer the phone when they called”. She also stated that they were looking for me since January 2009. I started crying saying this is insane and told her that she had obviously has my address and I park my car outside all the time they could of just towed it rather then put so many lives in danger just to get the SUV back just to get paid a couple hundred of dollars even if that”. She had no response but a simple shoulder shrug.
When I drove up to the underground garage, which the entrance is the same as the exit, he follows which he isn’t supposed to do since I signed a contract agreeing that no one who isn’t on my lease is authorized to enter not even my own visitors. When I got to my stall, the guy then corners me in where I couldn’t back out or barely get in and out of the vehicle since I was parked slanted. I managed to wiggle out, went to the back of the truck, and started unloading the SUV putting my belongings on the outside of my stall.
At that time, the guy gets out of his vehicle and demanded the keys still and my sister starts to shout for me not to give him the keys until the police arrives. When I went to the vehicle, the woman followed me but went to the passenger side of the door and I was at the driver’s side. I reached over, still standing outside of the SUV, I put my hand on my keys trying to get it out that’s when the lady put her hands on top of mine trying to take them from me which contained all of my keys that were on my keychain including my house keys. This is the “only” time we refused to give back the keys since I did not want them to drive off with the SUV “until the police arrived”. Therefore, if they did, we would not have any solid evidence.
My sister then runs over to my side trying to get the keys too and the guy tries pulling it from the passenger side. Therefore, we all playing tug of war with my keys in which the woman and the guy actually break off the keychain leaving the SUV’s keys in the ignition and the key dropped somewhere on the floor. The guy holds my keychain and states that he isn’t giving it back until he receives the SUV key. Crying even more I show him my hand in which my left hand was slightly puffy and my right hand, wedding finger was dripping blood from a torn/cracked fingernail and a little cut that I received while trying to get my keys back.
Then the police comes arrive and takes down "not even half of the story" they write in the report!
The complaint has been investigated and resolved to the customer’s satisfaction.
misleading statements
During the first week of January in 2009 I started the process of refinancing my home loan. By 1/10/09, I provided all the requested documentation t0 secure the loan. The loan was funded on 3/27. Amazingly the loan officer did not need a single piece of additional information. Communication from my mortgage specialist was poor. I often found that I needed...
Read full review of Wells Fargo and 2 commentsharassing phone calls despite payments
I've had a loan with Wells Fargo for my car since 2003 and it's just about to be paid off. I've been pretty much on time with my payments. Sure a couple of them ran a little late, but never more than 30 days past due. I sent a request for the payoff amount a couple of months ago to see what I owed. And the next bill showed I owed about $2, 400, which was the payoff amount. I paid my normal amount of $540. Then the phone calls started. I asked them why they're calling me because I paid my bill, and they said "you still owe us $1800" because that is the final payment. I told them I couldn't pay that and I'd pay my $540 like normal the next couple of months with the final one being in June. They said that'd be fine.
A couple of days later, they're calling again. I ask them why, since I've talked to them about this already, and after being on hold for 1/2 for the guy to "research my account" they said that's fine, though I might still get phone calls since it's not the final payment.
But then I get phone calls like last night where the person, talking in a very demeaning tone says "Sir your payment is 8 days past due, we need the payment now or we will repossess your car". I'm like "excuse me?' and I tell them what's going on. And they said they can't do that because I ran late a few times a couple of years ago.
They have the worst customer service and are borderline harassing, calling after 9pm. If you get a car loan, just make sure it's not from Wells Fargo, because they are the worst.
The complaint has been investigated and resolved to the customer’s satisfaction.
It is true, Wells Fargo, and their "auto-call" system is a bit out of control. Which is why I gave them one of 5 numbers that I have with a one ring "auto-answer" that is never answered or checked. When I want to talk to them I call them. I don't really expect much from them other than bad manners, wrong answers and an attitude that you would dare keep asking questions until you got a satisfactory answer.
Early in my loan I was in a very tough economic position and had to extend a couple of months on my contract. The loan "maturity date" has now come due, however, I didn't realize it. I asked a customer service representative why their websight due date never changed when I paid the full amount that it indicated that I owed. She said that I owed the full amount, I said not according to the websight, it said I only owed the regular monthly charge. She said that "her computer" says I owe it all, I asked does that mean that WF kept two separate books, one online for the customer, and the other offline that the customer was not authorized to see? (Why did I ask that?) She checked with her supervisor (so she said) and they reportedly told her to tell me to "ignore what I saw online". I notified our state department of insurance, securities and banking asking them if this is appropriate and legal, of course, they said that it was not and that what is online, legally, is what the company must go by with electronic transactions NOT what is on their internal computers that customers do not have access to.
I was advised to continue to make my payments, and because now I know the maturity date has come, to pay off the loan as soon as possible. However, I was also asked to copy WF's online screen shot each month after I made a payment and it was posted, so as to verify that once the full monthly payment requested was paid, only a regular monthly payment was thereafter requested again, and not the full amount due. I was told that this is an illegal practice that is misleading to consumers. It may not help me, but I have done what they've asked so perhaps it will help someone else. If it is happening to you, I suggest you contact your state banking regulator or Attorney General and report it.
As I will be done paying my vehicle off in the next 2 weeks, I won't be able to provide the regulators much more data.
I've worked for an auto finance company myself before, so I know what these representatives are up against. However, when they speak in absolutes about things that they are unsure of, and in fact are often wrong about, they do a disservice to themselves, but also WF and their consumer market. It is an experience I will never forget and will gladly share with all of my friends and co-workers. It is the first and last time I will do business with WF. For a company that accepted corporate welfare from the American taxpayer, they have a miserable way of showing their gratitude.
fraud and cheating
Historically I pay amounts of $10.00 to $30.00 over my minimum monthly payment. last month wells fargo auto finance only charged me the amount of my minimum monthly payment minus the amount I have paid over my minimum... when I questioned why they did this, they would not give me a straight answer... instead, they chose not to pay interest on the amount that they received in excess of the minimum and my principle remains unchanged... I have never experienced this w/ any other auto finance loan in my life (and I have had more than just a few in my lifetime)... my recommendation is to never use this company again for any type of financial service...
The complaint has been investigated and resolved to the customer’s satisfaction.
We got behind on Mortgage due to employment change last January 2008, by February I knew we had to do something it was closing in on February due payment. I called Wells Fargo Home Mortgage and did everything they asked of me, got a hardship letter, explained the whole situation 5 different times, needless to say I was told that on my credit report the Jan. and Feb would be reported late.
Well I completed this agreement in March of 2009... I have been getting calls non-stop for other charges that in-cured since this agreement was made, but never on the monthly statement. I also found out a week ago when trying to obtain a new mortgage with another company that they have reported us late rolling for the last 14 months because they put you money being paid toward the last month due. Even though the way it was explained, those Jan & Feb 08 payments that I paid extra on my mortgage each month and on time where coming off at the end. So now both me and my husbands credit went down 200 points each, ruining our credit. Anyone else having these types of problems..
I have written letters sent them to the correspondence address in Des Moines, IA, still no reply, they also stated I was late on my payment in March when it was paid to Wells Fargo Bank on the 13th and on the receipt it states it is credited on the 13th; and they are now calling me 3-5 times a day for the $32.69 late charge, The customer service reps and rude and think they can bully me into paying this, I stated NO, I have a receipt from Wells Fargo Bank stating it was paid and credited on the 13th and the late charge was put in on the 16th of March.. They really think we are stupid. Can anyone out there help me get this credit situation revised. Thanks!
Wells Fargo Bank sold this consumer a loan product rife with opportunities for fraud by the contractor and HUD consultant, yet it provides no warnings or instructions to help consumer prevent this; furthermore, it fails to accept responsibility for the payments made without the proper city inspections. Then it expects the homeower to cover (and repay) the money lost to fraud - as well as pay for the additional work now required but not included as part of the original loan because the HUD consultant failed to do his job.
WFHM began paying off on a HUD 203K loan from job specs never seen nor signed by the homeowner, which was required. Furthermore, it paid out on electrical and plumbing work without the requisite city inspections, and now all that work must be redone because none was done to code.
The Job Specs were wrong from the start, yet the bank did nothing to ensure they were accurate, and the bank's role (according to the loan documents) is to protect the construction project. In this case, the job specs that dictate the work to be done on the house did not agree with the contractor proposal (unbeknownst to the homeowner, the contractor and HUD consultant were conspiring to defraud her).
The job specs are supposed to agree with the contractor proposal; when they don't, it's the bank's responsiblity to ensure they do. In this case, when the homeowner alerted the bank that they didn't (contractor began refusing to provide what was in his proposal, telling the homeowner he only had to provide what was on the 'job specs' and that his proposal was only a 'wish list'), the bank ignored her. Furthermore, when the bank finally did fax them to the homeowner (after the contractor was fired), it showed not only was the homeowner required to sign - but also to help prepare them. Additionally, right above where the homeowner signature is supposed to be is the statement about all section 1 items.
Almost all were excluded from the job. So now, with 2/3 of the money expended, nearly all the work must be redone - and there's additional work to be done because the HUD consultant did the work write up incorrectly from the start (the addition of the Section 1 items as well as a new roof).
I have made contacts with Senators and other legislators as well as with an attorney, which is costly. Meanwhile, my home has no kitchen (not one single appliance, countertop or cabinet); its electrical wiring is done backwards and in violation of even local electrical company codes; and I'm still waiting for the coldwater knob.
These ###s do me the same way, I send in extra money and tell them to take it off the principle amount and they just decrease the next payment amount, thats so they can squeeze every cent of interest out of you, without a doubt these are some sorry ###s, I make a point to go into a local office, and make my payment now, just so I can tell them how sorry they are, , I have found that even the people that work in these offices are ashamed of Wells Fargo, , This is a matter that warrants investigation by the government, this is a rip off! I have real good credit, and my payments have never been late, I tried to get them to reduce my Interest rate, and they would'nt do that either, Its the ### in charge, responsible for this practice..No, I don't have any respect for them!
decrease credit card limit
had wellsfargo credit card for over 25yrs, they just reduced credit limit from 22k to 14k, never had late payments, have great credit score, cd with good amount in wells fargo, but they said since i do not have a checking account with them that is one of the reasons I will be taking my money out of wells fargo and I want my portion of the bail out money that went to wells fargo BACK!
The complaint has been investigated and resolved to the customer’s satisfaction.
phone calls
every month since june 08 I have made a payment to wellsfargo autofinance, recently retired my payment date and date of payment differ. i owe about 5 months of payments and have asked several times to change my payment schedule to coincide with my monthly retirement. when the 10th of the month comes around when my payment is due, i start getting phone calls every day wondering where my next payment is .I tell them every time I only get paid on the first of the month and the payment is made then. How many times can a person get a phone call and not have any results with the payment. there is no way to contact anyone in charge, every time the person says they cannot connect me . HELP
The complaint has been investigated and resolved to the customer’s satisfaction.
For the last 2 to 3 months, my husband and I have been receiving phone calls from this company. The problem is that they are looking for a man named James. There is no one here by that name and they have been told repeatedly that they have a wrong number. Instead of apologizing and stopping the calls, they get aggressive and keep calling. I got another call this morning (before 9 am) on Saturday Jan. 15. I told her that she again had the wrong number. She screamed at me and told me to have a nice day. Are the women there stupid? Do they not know what 'wrong number' means? We would love to know how to stop this harrassment. Unfortunately, when you call the number back, all you get is a recording. I don't know anyone's extention and even if I did, they wouldn't understand my request anyway.
Change your due date!
loan denial for no reason!!
We submited information for a loan with our loan broker on Jan. 23-09 (today is March-17-09). trying to get in on the very low interest rates a few months ago. Mind you... we have no debt, no bad pay. Appriasal came in very low but was not a big deal since we have so much equity and was not taking much out at all.
I just received a call from our broker stating Wells Fargo denied our loan! They said since we were the only house on the block they could not find comps! Let me just say down the street from us they are selling crappy little condo (in an alley) for the high 500's. We were appraised with large lot (with enough room to build same size condo complex down the street) 2 houses for 350 (very low for our area) Wells Fargo lowered to 310! We were asking for a 200K loan! With money in the bank, no bad debt etc., etc., etc.
I thought we gave Wells and other bank our tax dollars so they can help get the economy going again by lending! Our laon is a no brainer and they held it up for months and denied it! Does that sound like a bank that is handling the bailout the way it was meant?
The complaint has been investigated and resolved to the customer’s satisfaction.
I had a similar experience about the same time with Wells Fargo. My home was at 85/20 debt to equity ratio as opposed to 80/20. Took them forever to tell me I was rejected. I called again since the Homeowner Affordability Act provides for refinancing of loans held by Freddie Mac if the home loan to equity ratio is a little bit outside of thr 80/20 ratio without having to pay PMI . Wells Fargo told me that they didn't think I qualified because I was not in danger of forclosure. I reminded them that the program consisted of two parts and it was the refinancing part that I wanted to apply for. I had verified that my mortgage was owned by Freddie Mac, my credit score is above 800, and I had no problems with income level, plus no debt other than mortgage, it was my primary residence. They wanted to push me into a traditional refinancing deal rather than honor the President's program. DON'T LET THESE COMPANIES PUSH YOU INTO A TRADITIONAL REFINANCING DEAL that will require PMI payment when you didn't pay PMI on your original loan. Freddie Mac requires that the refinancing for the program only be conducted by your current company, so if you have a Freddie Mac morgage, your out of luck unless you can get your company to move on the deal. Wish Fannie Mae owned my mortgage, they'll allow you to shop around and still get the benefits of the President's program. WELLS FARGO NEEDS TO GET ITS ACT TOGETHER, if it's not prepared to implement the second half of the President's program, just say so, don't refer me to a traditional refinancing where any benefit would be wiped out by the PMI requirement!
ripped off
we purchased a car at a dealer close out wells fargo wound up financing wells fargo bumped the interest rate up to 16.50% from 8.00% without discussing it with us, had we known it would have been a no deal, as soon as we found out about this, wells fargo was given the car back, , they tacked this on my credit file as a repo, , this all happened in 10 days! when I tried to resolve the issue, absolutely no cooperation, The secretary at the dealership signed my name on the contract in several spaces, as I would never have agreed to this, , I filed several complaints with the state to no avail, , , Wells Fargo are thieves, even the people that work for them are ashamed of them in the Austin area, , One person fighting these large businesses will get NO where, It's going to take multiple CLASS ACTION LAWSUITS to get anywhere.
my girlfriend is going through same problem as well . we do need 2 ban together and fight this company so others don't get the same idea and cause problems for people.my email address is efoster7199@yahoo.com contact when ever you guys are ready 2 take actions .count me in
won't give me assistance
My mom died on 2/21, and because of the expenses associated with her funeral, I was out of money before I was able to pay my February mortgage payment. March is bad too, and I knew I would not have enough funds to make a double payment (which I am sure most know Wells Fargo will NOT accept partial payments on missed payments at ALL). So I called them today to see what they could offer me. I did some searches online first and found their home owners assistance page, which listed several ways to make up missed payments. They included, paying PARTIALLY over several months on top of your regular payment, a loan modification which puts the missed payments at the end of the loan and a HUD loan for repayment of missed months. They also stated that their official home ownership assistance program would not be in effect until later this year and they would contact customers who qualified, do not call to find out if you qualify. I also got that message on the phone when I called.
So I called, hopeful that with the death of my mom they'd be able and willing to work with me. The lady I spoke too was nice enough and took down all my 'financial' information which proves that we are literally living paycheck to paycheck here. I told her how much I had spent on mom's funeral... which I didn't think was their business but whatever. I also explained that we are eating one meal a day and I haven't bought heating oil in 2 months because we can't afford it right now.
She typed in all my information and informed me that there were NO OPTIONS available to me for repayment. The only thing was to pay the two months NOW. To her credit, the woman taking the info also seemed rather shocked at this.
She said that she would 'notate' my account that I was going to pay March at the end of the month and then an extra quarter payment for the next 4 months to make up the missed account. She had to remind me though, that Wells Fargo can still foreclose on my house until its paid in full (no late payments ect).
I have already lost about $40K on this house since we bought it 4 years ago. We did not overspend... in fact our mortgage payment was much less then our rent when we moved in. The problem started when my husband was laid off last year, and his unemployment was denied. Aside from that, I was never late in all the 4 years they serviced our loan.
I have read that you must be 3 months behind before you are eligible for assistance. But Wells Fargo starts foreclosure after only 45 days (according to the letter they sent me last year) so how is anyone ever going to be eligible for assistance?
This is disheartening to say the least. I did not buy more house then I could afford (the house was only $119K), and I am trying so hard to keep my home. I know I will be laid off this year, because the company I work for is sending all its US jobs overseas. What is going to happen then to me and my home? If they won't help me over something like this... I doubt that they will help at any time.
The complaint has been investigated and resolved to the customer’s satisfaction.
I have Wells Fargo too. I went through a divorce, a very bad one and I find myself stuck with a mortgage payment that I am having a lot of trouble paying. Wells Fargo also told me there was nothing they could do to help me. They all but laughed at me. I have been with them for 10 years and have always paid my mortgage on time. They are awful! They don't care about their customers, the only thing they worry about is the precious mortgage payment. I hope half of them lose their jobs and end up like us and find out how it feels. chill2008
will not be allowed to close on your mortgage if you don’t have insurance for your home. Home insurance covers your home against floods, fire, theft, or other problems. Unless you can afford to repair your home if it is damaged, it is usually a good idea to get insurance for your home. If your home is located within a zone that is known for having floods, federal laws may require you to have flood insurance.
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I AM VERY PLEASED WITH THE THOUGHT AND DON’T FEEL LIKE ADDING ANYTHING IN IT. IT A PERFECT POST.
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Jackson
http://www.loanmortgages.info
I have been given the run around by Wells Fargo for a year, still in my house, waiting for them to decide if they are going to help or not! Havent made a payment since last year and my husband was out of work for a year:(
Wells Fargo did the same to us! 8 months of dealing with loan modification process to be told we are to much in debt to lower our payments! Now that bought our loan during the auction and told us we will be evicted in 30 days! Wow and we were customers for 14 years
please do not give up just keep calling wells fargo [protected] in their loss mitigation dept. you can apply off line too at makinghomeaffordable.gov and fill out the rma packet with the 4506-t tax transcrpts send in your taxes w2 hl fw and proof of income and go in review once you get approved for a repy plan it only takes 30-90 days to get your new loan and only send in your docs if they call you or if it states in the notes and if you can get your processor name and number keep it! they are the ones that make your new loan any one else is just the mid person between you and your processor.
WOW... I am reading about this and I am in the same boat, given the same run around!
I have been with Wells Fargo since 2003 and now I am getting the same run around. I have never been late, actually I have been 1 month ahead most of the time I have been with them. I got a message from them yesterday telling me to call before 9pm, I called them back at 8:45pm. The new message I got was that they are only open until 8:30 now. I called back this morning and they answered the phone! I asked what the progress was on my account and they said to send in a financial worksheet and proof of income. I told her I have already done that 2 times and I am wondering if the paper work will go through this time? I was told that the imaging department can't read my proof of income. What?! I sent paper copies in the mail to them twice and they don't have a scanner that can make clear digital copies?! I asked how a huge conglomerate like Wells Fargo can't afford a decent scanner, and was told that each time the application gets "updated" that the new processor can request whatever they want. From one department to the next they have no communication and can not access the last person that handled the account according to the lady I talked to today. She said she was going to put all this in my "notes". I am very frustrated and feel that as good customers in the past we should be treated well instead of getting the run around each time we contact them about a program they started to "help" us.
My wife and I have been working with Wells Fargo since December of 08. Similar situation as everyone is going through. My wife was laid of from her job in December of 08 and right there was a $[protected] dollar a month loss of income. For me being a school teacher, It has been tough trying to live pay check to pay check. Wells fargo has been dragging their feet for 8 months, all they could offer us in 8 months is a 3 month forbearance of only $100 dollars off of our original mortgage, that doesn't even include our second. They would rather have people walk away, short sale or go bankrupt. They are not helping out the good people that have been outstanding clients up to this point. Work with the good people keep us in our homes, I guess they make so much money it doesn't matter what happens because they can take millions of dollars of loses but they could avoid that by just working with people and lower principle and interest because the person that comes in will get what the people that lost their home wanted. It is just not fare. I do not know how Wells Fargo employees sleep at night because I know I don't.
horrible service all around
Wells Fargo Auto Financial is the holder of the loan for my vehicle, purchased in October 2006 we have never missed or been late on a payment during the existence of our loan. We have auto payment set up through our bank using the account number and address to Philadelphia, PA for payments. We started receiving calls from them mid-February with no information on what was going on, I immediately checked our account and saw where the payments were still being sent via electronic payment from the bank and assumed the calls were simply marketing calls looking to re-finance since it was shortly after they aquired Wachovia and our payments have all been made, finally I spoke with them when they informed me that they had not received the last two payments. The collector who at first was very polite and helpful as we figured out that Wells Fargo Auto Financial had not only changed the mailing address for my vehicles payment but had also changed the account number for the payments. I am not wealthy and hold just enough money in my account to pay 1 extra payment for all my bills and was unable to give them both payments right there on the phone without speaking with my bank to retrieve the payments that have already been debited from my account, the collector suddenly changed his tone accusing me of being a deadbeat and telling me how he has already paid off his Mercedes, after explaining to him since intenet of payment is evident through my bank records and Wells Fargo had failed to advise me of this change I would contact them as soon as I could get the situation figured out with my bank, I got the address which he provided as a Las Vegas address and gave me my account number so I could get set up properly, at this time he told me this changed happened in 2007 a few moments later he told me it was 2006 than he told me it was 2005 (before the loan was originated). I got with my bank who stopped payments and coincidently had recieved the first payment back that day we corrected all the information and sent the 2 payments back out. 2 weeks later we started receiving calls again about the lack of payments. While speaking with a differrent collector it was determined that the first collector gave us the wrong address the account number was correct but the address was incorrect, this collector advised me she would note this and gave me the address in Las Angeles and did not harrass me about the payment stating that since the account number was correct the payment would be forwarded and we should be ok. I waited another week to see if payments were received, today I noticed my bank had credited my account and verified it was the payments sent out to the address incorrectly provided by Wells Fargo Auto Financial. I will be contacting a lawyer to see if there is anything I can do about the harrassment and lack of written notification from the lender. I recommend anyone who gets any type of loan from any Wells Fargo institute they look to move that loan to another lender or pay it off as quickly as possible as this company with all of its assets are perhaps the most unprofessional, unorganized and unrepentent for their clerical errors to good upstanding loan holders. Viva le' Revolution against Wells Fargo!
The complaint has been investigated and resolved to the customer’s satisfaction.
no help on fraudulent claim
Absolutely no help on stopping a fraudulent charge. called in to the bank and the first customer service representative said I have heard of that company, naturalacaidetox, and sent me to the fraud department. after being shuffled around and speaking to three (3) fraud personnel I was told there was nothing they would do to stop the fraudulent charges. the last fraud person explained the entire scam in detail and told me I was on my own.
In other words wells fargo knows about this company and will not help their customers stop the fraud.
The complaint has been investigated and resolved to the customer’s satisfaction.
They didn't help me either on my fraud claim against David Oliver of Bipolar, or www.bipolarsupportpack.com I made one download purchase from them, and they then deceptively charged my account every month for $29.95 for a newsletter I never expressly ordered. Wells Fargo rep was unpleasant and said it was their policy that since I had once authorized a charge and David Oliver had my credit card info, that all future charges were considered "authorized" even though I had not placed future orders. Wells Fargo policy is if you ever made a purchase from a company, they can't help you with any fraudulent charges from that company. This crook sends you a free newsletter as his gift to you to thank you for your one time purchase. There are other pages in back of the newsletter and a dark gray box with small black print that says if you do nothing and do not notify them, they are going to charge you $29.95 every month for their junk mail newsletter. This is not a legitimate purchase. This is fraud and a scam. No phone number is listed in the box, and if you go through the paper and find a phone number, guess what? They never answer or return messages. Wells Fargo doesn't care about fraud or protecting its customers in my opinion and I am going to switch to another company and also try to pay cash whenever possible.
Overview of Wells Fargo complaint handling
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Wells Fargo Contacts
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Wells Fargo phone numbers+1 (800) 869-3557+1 (800) 869-3557Click up if you have successfully reached Wells Fargo by calling +1 (800) 869-3557 phone number 1 1 users reported that they have successfully reached Wells Fargo by calling +1 (800) 869-3557 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (800) 869-3557 phone number 1 1 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (800) 869-3557 phone numberDebit Cards+1 (800) 378-0575+1 (800) 378-0575Click up if you have successfully reached Wells Fargo by calling +1 (800) 378-0575 phone number 1 1 users reported that they have successfully reached Wells Fargo by calling +1 (800) 378-0575 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (800) 378-0575 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (800) 378-0575 phone number100%Confidence scorePortfolio by Wells Fargo+1 (800) 556-0605+1 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users reported that they have successfully reached Wells Fargo by calling +1 (925) 825-7600 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (925) 825-7600 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (925) 825-7600 phone numberInternational Collect Calls+1 (800) 932-6736+1 (800) 932-6736Click up if you have successfully reached Wells Fargo by calling +1 (800) 932-6736 phone number 0 0 users reported that they have successfully reached Wells Fargo by calling +1 (800) 932-6736 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (800) 932-6736 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (800) 932-6736 phone numberApply by Phone or Online+1 (800) 967-9521+1 (800) 967-9521Click up if you have successfully reached Wells Fargo by calling +1 (800) 967-9521 phone number 0 0 users reported that they have successfully reached 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Lines of Credit+1 (800) 728-3123+1 (800) 728-3123Click up if you have successfully reached Wells Fargo by calling +1 (800) 728-3123 phone number 0 0 users reported that they have successfully reached Wells Fargo by calling +1 (800) 728-3123 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (800) 728-3123 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (800) 728-3123 phone number401(k) Retirement Plans+1 (800) 222-8222+1 (800) 222-8222Click up if you have successfully reached Wells Fargo by calling +1 (800) 222-8222 phone number 0 0 users reported that they have successfully reached Wells Fargo by calling +1 (800) 222-8222 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (800) 222-8222 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (800) 222-8222 phone numberIndividual Investors+1 (888) 877-9275+1 (888) 877-9275Click up 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by calling +1 (866) 281-7436 phone number 0 0 users reported that they have successfully reached Wells Fargo by calling +1 (866) 281-7436 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (866) 281-7436 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (866) 281-7436 phone numberCurrent IRA Customers+1 (866) 243-0931+1 (866) 243-0931Click up if you have successfully reached Wells Fargo by calling +1 (866) 243-0931 phone number 0 0 users reported that they have successfully reached Wells Fargo by calling +1 (866) 243-0931 phone number Click down if you have unsuccessfully reached Wells Fargo by calling +1 (866) 243-0931 phone number 0 0 users reported that they have UNsuccessfully reached Wells Fargo by calling +1 (866) 243-0931 phone numberNew Brokerage Customers+1 (800) 872-3377+1 (800) 872-3377Click up if you have successfully reached Wells Fargo by calling +1 (800) 872-3377 phone number 0 0 users 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Wells Fargo emailswfscustomerservice@wellsfargo.com100%Confidence score: 100%Support
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Wells Fargo address420 Montgomery Street, San Francisco, North Carolina, 94104, United States
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Wells Fargo social media
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Checked and verified by Michael This contact information is personally checked and verified by the ComplaintsBoard representative. Learn moreJun 30, 2025 - View all Wells Fargo contacts
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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.