Wells Fargo
reviews and complaints

We have been going through the same situations as above and more..they are not incompetent...they are scam artists.

They have called me to ask for unmade payments while holding all of those payments plus the "contributory" payments in an unapplied "suspense" account. No one can explain what that is or why it is. However, they are charging us huge late fees for these payments that they received on time and are holding in suspense.

They have even gone so far as to charge me to have someone come out to my house to see if I was still living in it because the payments have not been applied.

Yes I know what you should do. Get a lawyer! I did. I hired a lawyer who knows all of the banks tricks and he had me apply for a mediation. Once this was done it stopped any foreclosure by law. He said most mod companies and some firms that claim mod setttlements dont know how or are not doing them correctly. The lawyer told me soooo much that I didnt know and its going to be fine. He submittted a mediation form and stopped me from paying one more penny. Now he has taken over and is dealing with them. Lawyers fee 4000.00 but easy since no mortgage payment. First five years will be at 2% 6th year 3% and all remaining for rest of loan will be 4.4% based on 33% of monthly income. He said do not keep falling for the lies the bank tells you about trial periods. He said they are stalling and re-cooping any and all money before they take your home. Get a Lawyer! He said the way it works is the bank is insured on your loan. If you default they get paid in full for entire loan. Then they kick the family to the curb and auction the house. They sell it to the highest bidder and all of that $$ is profit! I'm sorry but thats down right evil and monsterous! I hope they all end up with liver cerosis and drink themselves to death if there are any concious in them. Sick, sick, sick, sick, sick, sick![censor] all of the ones doing this. Where is the gov on this. This is how we get treated? Why arrest and convict Bernie Madoff in the ponzie scam? They are just as criminal, even worst in my opinion.

wf is doing me the same way.been at it since june 2010, in dec. they told me to make a half payment and would follow a balloon payment april 1, 2011...due is 8500.00..noway can afford that .had 1 day to sign paper and send back.. any suggestions? daywatchman@hotmail.com

This is exactly what happened to my wife and I. She was laid off and we applied for a mod to act in advance in order to avoid losing our home in the future. We were appling for the mod in the way it was intended. We were not (like the others on this page as well) trying to take advantage of the mods but genuinely trying to be responsibe. We both have been banking with wells fargo for over 25 years and this was our first home loan with them. In 4 years we were late with our mortgage payment 1 time. So heres how it went:

1.) Apply for mod in Febuary of 2010
2.) Told to start 3 month trial period at 300 dollar a month reduction but make first payment in 30 days (basically skip March pay April 1st) And to call and make the payments over phone instead of the usual way we were doing it online. We did. Made ALL 3 trial payments ON TIME.
3.) July - 4th month - Made 4th trial payment ON TIME - no word from wells. We call they say they lost our paperwork we need to re-submit. We do
4.) August - Made 5th trial payment ON TIME - No word back. We call again and are told someone else is now handling our mod and to re-submit. We did.
5.) September - No word. We call Made 6th trial payment ON TIME This time we demand to talk to a manager and we got one. He said the harassing calls were standard proceedure and to ignore them. We asked what we are supposed to do about our monthly payment. Keep making the trial payment amount or go back to the regular monthly payment? He said continur with trial amount and we are still processing your papers and we'll get back to you. We thought maybe they would since he's a manager we could believe. No call. We Made 7th trial payment ON TIME
6.) October 20th 2010 7 months later. The doorbell rings and a man is outside my door and has taped a 60 day foreclosure notice to my front door. I call the number which is the title company in Phoenix. They said it's because I have "skipped 7 months of payments" . I said no. We have made the last seven payment over the phone and did what we were told! She then went into the we are just the title company...bla bla bla. So fast forward to now.
7.) November 3rd - Called at least 10 different numbers and the number on the foreclosure sheet that says in bold YOU MAY LOSE LEGAL RIGHTS IF YOU DO NOT TAKE PROMPT ACTION. So I did and called the number on the sheet Steve Murphy [protected] and have not recieved 1 return call of my 10.

7.) Now persuing their lawyer and was told they need the paperwork from wells fargo and that would take a week.

8.) I think it's time for a YouTube exposure segment and I would encourage you all to do the same! Good Luck to you all and I do hope justice stops this family and home wrecking monster to stop kicking children and families to the curb. What the f@#! is this country coming to?

I don't even know where to start. I guess I'll start at the beginning, way back in November of 2009 when we first found out my husband was getting laid off. I called WF to see about their loan modification program. I got a very nice lady who told me everything about the program. She took down some initial information, but only asked for what my husband would be making in unemployment. She plugged that in and came back with a trial period payment which ended up being only $28.00 less than our normal payment, big WHOOP, but I accepted. We set up the trial period payments over the phone which were to start in January. So, I thought we were all set and that in 3-4 months we'd here back from WF with either a modification plan or some type of repayment plan at the very least. A few days later I get an automated phone call saying that I owed them x amount of money. I call back, explain the conversation I had with the fist woman and the trial period that had been set up. This person tells me that actually my trial payments have been set up to start in February, but she needed all my bank information again. Ok, hoop #1 has been jumped through. February 22, I get laid off from my job; first thing I do besides calling my husband is call WF to let them know that our financial circumstances have changed and what to do. I get no response. I call again and again over the next week thinking the person I'm trying to reach is on vacation or otherwise out of the office. I NEVER get a phone call back, still haven't to this day. I call the regular WF C/S number and go through the whole story again only for them to tell me that I need to resubmit everything again. Hoop #2, I jump though. This goes on for months, me never getting any form of correspondence from them, me calling every few weeks to see what the status is. I was told back in April after the trial period was over to keep submitting the same payments I've been making, so this we do, every month, on time. Fast forward to now, I get a notice saying that "After careful review Wells Fargo will not be able to grant us a modification on our loan because we have failed to submit the proper paperwork". ARE YOU KIDDING ME? I have a 1 inch stack of papers I have filled out and faxed (with the fax confirmation sheets). I have a log of all the phone calls I have made to them and the directions given in each call. I called on Thursday of last week to ask exactly why we've been denied and she can tell me nothing more than the letter, but advises that I resend the paper work so that they can send to review again. I drive over to Wachovia as I've done in the past, had them fax the papers, which they do, and go on my merry way. Saturday I get a letter from WF stating that I'm 3 months behind and that if I don't bring my account current by August 1 that they will start the foreclosure process. I am ON FIRE at this point. I call them this morning to confirm that the docs have been received and they tell me that they only got 4 of the 6 pages. I explain that the confirmation shows all 6 pages have gone through and she explains that it's NOT THEIR FAULT that everything was not received. After I go round and round with this woman I ask her if the modification is not approved (and they'd better give me a better reason than failure to submit proper paperwork) what are my options to repay the 3 months that I am behind? Keep in mind I am behind those 3 payments because they set us up on the initial trial period and I wasn't to start making payments on that until February 2010. She basically tells me there are no other options. I have to come up with the amount I'm behind and pay in full. I could go on and on about the many converstations I've had with this incompetent group of people, but I won't bore you...plus you've all been through the same. At this point I want to say go ahead and take my property, add it to your inventory of empty homes, but the fighter in me says HELL NO, I'm fighting on principle now. I can deal with ugly and I can deal with stupid, but incompetency, especially when you're dealing with someone's home is just UNACCEPTABLE.

I am fed up with Wells Fargo. I think that their goal is to keep you hanging and have you keep paying, screwing up your credit and keep promising to put you into a loan program after qualifying initially for a Loan Modification Program for a few months. THey then decided that I was not elegible for the Government Program due to the fact that it was a second home, which they knew. They referred me back to the Loan Modification group to fill out another series of paperwork. Again I receive paperwork from them saying that it is a second home and I do not qualify. What is wrong with these people. Is there a program out there or not to assist homeowners who have second homes. They keep jerking me around. I now received a letter telling me that I can do a short sale or I can turn the property over to them when I have been making the modification payments to them on time as agreed. They do not have their act together. I keep getting annonying automated phone calls from "Jessica". They give you telephone numbers to call and no one answers after 5pm. We the tax payers bailed out these big banks and we are getting screwed. That is how the government is helping. THey are hiring processors who have no idea what they are doing. Totally disorganized and just requesting the same paperwork over and over and tell you the same thing. Take my property..I don't care anymore.

Wells Fargo is Trying to keep everyone on the Trial payment plan as long as they can so no body forecloses and they collect money at the same time!

I went through the entire "Loan Modification" process. Based on the web-page I was approved and suppposed to sign and return the contract w/in 5 days. It never came. I even sent a fourth payment with bold all caps 50 point type I AM TRYING TO PAY A DEBT. I begged them to call me, email me, write me, or fax me just to show they had received it. no response. Can't resolve over the phone. I called back, and the WF representative told me (GET THEIR ID NUMBERS!) they had not communicated properly with me, and it would be sent to a supervisor. I thought I was okay. I called the supervisor, she asked for documents to be faxed, and then told me that I'd get a UPS package in 1-2 DAYS at my house. NEVER CAME. It's now been 15 days, I can get no help. I have called four times today and been disconnected. I finally was in the middle of a conversation with a fairly nice lady - and we got disconnected. I am writing this while I am on hold yet again. IF YOU GOOGLE MORTGAGE MODIFICATION COMPLAINTS ATTORNEY GENERAL it is very likely that the attorney general is taking compaints againts fraud schemers who take advantage of people like us. However, in this case, it's actually Wells Fargo that is as bad as the schemers. MAKE YOUR COMPLAINT. WE HAVE TO STICK TOGETHER. I'm still on hold. I would keep writing until someone answered my call - but my keyboard would wear out before I got to talk to a person. FIGHT BACK!

I am so happy to hear that i'm not the only one dealing with the complete incompetence that Wells (yes I agree hell hole) fargo has shown me. I have been trying to do a loan modification for 9 months now with numerous...and I mean NUMEROUS ...emails and calls. Needless to say not a thing has been done to date. I was in the same situation where my credit is 788 and I tried working with Wells when I found out I was being laid off. I was hoping that I could lower my interest in order to afford my home either on unemployment or knowing I was going to have to take a pay cut moving to a new company. I have heard every excuse and made every complaint I can think of. It even got to the point where a supervisor from the email dept called me directly after she made several attempts to 3 different supervisors at the mortgage dept to get them to call me and I didn't receive 1 call back. How completely sad to think a Wells Fargo email supervisor was even disgusted with the way the mortgage assistance dept handled business.
My newest experience lately has been getting calls from the automated "Jessica" asking if I've returned my "paperwork" yet, and everytime I call Wells, they tell me, no just disregard it, no "paperwork" has been sent to you, its still under "review". I agree that I think Wells Fargo is jerking everyone around and I can't believe that they haven't been investigated by the BBB or government for their unethical way of doing buisness. I can happily say though that everytime someone asks about my bank, I strongly advise them to stay as far away from Wells Fargo as possible. Hopefully Wells Fargo starts to lose buisness due to their ineptitude and they realize customer service still has meaning.

I completely agree . Me and wife have been dealing with Wells (Hell hole) Fargo also on a loan modification and have recieved the same second rate treatment. We first applied for a loan modification & were denied. Then, we got a lending group involved, (which wasn't much more help) they got Wells to take a second look at are situation. By that time we dropped the help of the equally crappy lending group & started dealing with Wells Fargo ourselves, who by the 2nd round was actually making a small effort to help. After piles of paperwork and many faxes & phone calls later we were accepted for the modification. After completing the 3 month trial period as they wished and now going on the second month after we still haven't finalized are Loan Modification with them. Big Suprise! Finally after playing their cat & mouse phone tag game (which is complete B.S. because out of the dozens of calls made to ask questions we have NEVER talked to the same person twice) we are finally recieving some paperwork in the mail to update are situation. I can pretty much guess how pleased I'm going to be once I have read the final papers.
For you people stuck like us with this Unprofessional Mortgage Lender I feel for you and wish you the best of luck. I wish there was some way to expose Wells Fargo to the whole world as the money hungry, heartless mortgage company the really are.

We live in NE Florida. We are not trying to refinance but purchase a home. Almost six months later we have gotton know where with Wells Fargo. Furthermore I have not even spoken to Caroline Peterson, she will not even contact us by phone only by mail. We will be taking them to small claims court in our area and complaining to the Attorney General's Office. We are working on developing a website called reviewlicensedprofessionals.com. Here people will be able to view and leave comments on people such as we are dealing with at Wells Fargo. We STRONGLY recommend people contact the Attorney General' Office and boycott Wells Fargo.

Although it is unfortunate, it is nice to hear we are not the only ones being treated this way. We applied for a refinance the first week of August, here it is the last week of December and we are still getting jerked around. An appraiser came by the house today. This will be the FOURTH appraisal Wells Fargo has ordered. Each at a cost of nearly $500. The appriaser who came by today had absolutely no idea what he was doing there. Plus they had an inspector come out before any of the appraisers. Also at a cost of almost $500. On December 14 they demanded $500 (10 days before Christmas mind you) to extend the application another 30 days, like not closing on time was my fault in any way, shape or form ! So we are out nearly $3k, for what? Nothing. We are in the same position right now as if we took $3k back in August and threw it in the trash. We feel like they are milking us for every dollar they can get while they seek and find some possible way to deny us this refinance.

Wow, my name is Elaine Jolly, I reside in Houston, Texas and until today I thought I was the only person complaining about the ongoing merry-go-round treatment I have received from Wells Fargo. I was wanting to have my loan re-modified to a lower rate and I thought that would be a pretty simple process. Like the fore-mentioned complainee Carol India I have worked diligently with Wells Fargo since April 2009 with absolutely no progress. I have faxed and re-faxed "just one more piece of information" to this guys and have gotten nowhere. I've written the former President of Wells Fargo, Mark Oman who of course passed it along to an Executive Mortgage Specialist, Office of the President(Matthew Miller) at 1800.853.8516 ext. 43319. He passed it along to a Dominica Lindamen who informed me last week that she no longer works in that area. Dominica passed the torch to yet another agent, Jamie Webb at 515.324.2259. So here we are now October 26, 2009 and yet no help! I need answers and assistance!

I agree 100%. They are unreasonable and unfair. They refused to send me a statement that actually showed that I owed them money (as I had never received one because they ignored my address change) and continued charging late fees (denying it was their fault).
One woman (who appears in charge of harassing me) asked me how much I could pay and I said about $200--she said, you have to pay $800. She refused to negotiate and literally said, "Aren't there people you can call for money?" No, there isn't! It's just me and I cannot afford this... Is there anyway to get my loan taken away from Wells Fargo and given to CitiBank? Citibank is much more willing to work with you and always friendly on the phone--never threatening or harassing.
I can't believe Wells Fargo is still allowed to operate--especially student loans!

Pleas bewar of this company! Everything you hear is very true! They harass you with phone calls when you are only a few days late. I would get anywhere from 5-10 calls a day, early morning to late night, weekends, holidays, everyday. Sometimes even after I have discussed the same issue with 5 different reps! They have absolutely no compassion! They are extremely rude and will not hesitate to talk down on their customers. Once they trap you in on a loan they will treat you however they like. And please neeeeeeeever ever ever ever trust them with your bank information or your family members info, because they will use it (Whenever they feel you are behind) without your permission. I got behind once and I used my mother's account info. She was smart and went as far as closing the account a week later b/c she did not trust their company. Months later they argued about the closed account with me. Becase the stupid rep admitted they tried to go into it and it was now non existent. Long novel short, the company was so horrible that I decided to turn the car in! To top it off they sold the brand new car (1 1/2 yrs old w/ low mileage) for $6ooo and now calls me sayin I owe them $12000. Are you kidding me? I refuse! They will never get another dime! My credit is suffering because I made the mistake of not researching this company first! You may be happy to be approved for a brand new car but I am here to tell you to pleeeeeeeeeeeeeeeeeeease reconsider! I would rather ride a bike than ever get stuvk with another comapny like this one! Please dont do it! If a dealer mentions their name run for the hills screaming!

I was told when I purchased my vehicle that I had to pay for additional car insurance through Wells Fargo in order to keep my vehicle. Two days ago (which is 1.10 years later after the purchase of my vehicle), I was advised by their Collection Agent, Leon Knight that as long as I had my own insurance I did not have to pay for their car insurance as well. I had both car insurance agents (1-Nationwide and 2-Allstate) call Customer Service and the agents were provided with fax #'s to provide my declaration pages. I was told that everything was Ok, but my lack of trust for Wells Fargo at this point, I have decided to put everything in writing. So today (June 18, 2017) I wrote a letter following up on what has transpired. I have suffered immensely financially and got 3 months behind on my payments at one point, being threatened with a warrant for my arrest and the vehicle being repossessed. I should be compensated for pain and suffering damages for Wells Fargo being so negligent.

I reported my money/card stolen they refunded it back to my account...got a new bank card..said they would investigate{{Dont what they found}} ...that is what i would recommend you should have done dont know if its too late...the bad part about this is that you have to wait on the card to come in the mail to do anything.

Wells Fargo is big and out of control, they claim they have $165, 000, 000, 000 yes billion in assets. You can't ever get any thing settled with them. I've been that route twice. They lie, they make agreements and don't follow through. I have a Law suit with them now. I think one day they will go broke, their assets are falling like a hale storm.

Wells-Fargo has no intention of ever helping anyone. They gave me the same runaround with the modification program. Different people give different answers for questions, they claim they never received docs, etc. My feeling now is "If you want my house so badly, you can have it!" I think everyone with a Wells-Fargo mortgage should just stop paying. Let them have a house worth 40, 000 less than you owe!

My complaint with Wells Fargo is that they are out and out liars. We sent them everything needed to see if our home loan could be modified and we even sent it from a lawyer's office. WF turned around and claimed we never sent the papers and filed foreclosure on our home. We know beyond a shadow of a doubt that we sent everything that was needed and sent it all on time. Wells Fargo is lying and getting away with it. When is someone going to stop this from happening?

They are criminals.

that is the most infuriating part of this whole thing...no one can give us a reason for the foreclosure...one lady said we didnt sign a paper we sent then another said oh yes we have it, yet another person offered to "help" us but said that to do so we would have to pay their lawyers fees...we are obtaining a lawyer to press charges and have contacted our State Senator and the White house.
your question is a legitimate question and one that several people asked when they heard the sitution...but we were not behind on our payments...they SENT OUR PAYMENTS BACK and put us into foreclosure.
they are criminals and they are out of control...this website has one story after another exactly like ours...sometimes worse, and this is just one of thousands of websites. All across America people are being blatantly lied to, cheated and stolen from by Wells Fargo, and I for one am not going to take it.

I have been fighting with American's Servicing Company for almost a year now, I got behind on my house payment after helping out a family member who had lost her job and was about to lose her home. I wanted to help thinking I had the extra money, I guess I didn't. Than I needed to help my parents. But dealing with ASC was a nightmare always having to deal with someone else when you called them, I must of dealt with 10 different people each one telling me something different each time. One women basically told me I was going to lose my home, if she didn't receive cashiers check by 5/26/08 in the amount of $2, 239.00 she would foreclose on my home. I sent it by UPS it got to her on 5/24/08 and wasn't applied to my account until 5/28/08. I've had to file for Bankruptcy, I've had to fill out 4 Loan Modification applications. ASC/Wells Fargo was the only creditor who filed a Relief Automatic Stay, the judge ruled in their favor because to some law and his hands were tied, but in his judgement stated that ASC/Wells Fargo was to work with me on and give me or my attorney information on a potential Forbearance Agreement, Loan Modification, Refinance Agreement or other Loan Workout/Loss Mitigation Agreement. Well that never happen my attorney called nothing... On my last Loan Modification application I filled out on 04/16/2017 and faxed to Wells Fargo I did hear anything until some Realtor start taping notices on my front door 'Cash for Keys' I let her have it, than had to make nice when my BK attorney found out that my home was sold without no notice to me, nothing post on my door in the paper, and was sold back to Wells Fargo for the amount I stated my home was worth on my 04/16/09 Loan Modification applciation. I have now had to look for a Real Estate Attorney, which I was finally able to find last week and just spoke with him today. Are Mortgage Companies Above the Law are they able to do what they want, they have made me feel like a loser and that I have to explain my whole life story, and they don't have to do anything.

Wells Fargo Financial sent advertisements around to different schools to solicit students to apply for a student loan with them. The insisted that they have a co-signer to get the loans they applied for. Without the co-signer, they would not get the loan. I co-signed for my nephew and when he graduated he had to pay the loan. The amount was very high, and his plans were to go to Dental school after a year. He called them and they suggested that he consolidate the loan for a lower amount. Once he did that, he paid on the loan monthly. He was told recently that he can not get a forebearance on the loan now that he is in Dental school, but must continue to pay close to $300.00 a month. He obviously doesn't have the money, but Wells Fargo set these loans up knowing full well the students would not be able to pay. They enticed the co-signers (such as myself..with good credit) to sign on these loans because we were told if the student made consecutive payments for 24 payments, we would no longer have responsibility for the loan. This was the only reason I signed. Now they are telling me, he not only has to pay this while he is in Dental school, but I will be in default if he doesn't pay and they WILL come after me. This is very misleading and there are many others that they got with this. My nephew said these loan applications were all over his school.

I called to ask about the late fee on my bill. I have automatic bill pay, so there should never be a late fee -- unless they changed due dates without notifying me.
I called "customer service." When the guy refused to reverse the late fee, I asked to speak to a manager. I got a voice mail system.
I called back and got another rep. Told him I got a voice mail.
He said it was their policy to send callers to a voice mail system if they asked for a supervisor.
This is intentional business misconduct, and they're seemingly proud of this "system."

I've been having a lot of problems making my mortgage payments and I called in to ask for help. I asked for Matt, the branch manager and when I walked in he was sitting on top of the desk. He never moved off of his place to greet me or anything. He told me to fill an application. I filled it out and he ran my credit report. HE NEVER HELPED ME AT ALL.
I've been trying to get the branch district manager's number and I'm still not able to get it. Now I know how banks go out of business. Because of customer service employees with no experience at all. Isn't the customer always right?

While trying to make affordable arrangements with the company's representatives, explaining lack of employment and vastly reduced income prior to major job loss, the representatives start telling the consumer that 'you are electing to not make any payments' and 'ignoring the bill totally' all while still trying to explain the personal hardship of having to work part-time jobs with just over minimum waged income for one, and the other job being of commission based income (in the sad world of automobile repair) to which he replies, 'Then you are making way more money than I am so you need to set up a over-the phone payment right now'. When I said to him that I am tired of him making assumptions and telling me how my life is, I demanded another rep to talk to. Then an 'upper' representative gets on and she talks big tough that 'if you think the first representative was giving you a hard time, I will push your account to the next step by verifying your employment, which we have many ways and websites to do this with and we will set up a garnish on your income unless you make arrangements to make payments right now' (good guy/bad guy routine). I explained that the payments I can only afford at the present employment/income would be 'X' amount, to which the upper rep says, 'That is totally laughable!', and hangs up! A nice way to be condescended, belittled and embarrassed because of situations that are in no ones control. You try to work with a financial instution and you get treated less than a third world individual. Does it ever pay to be up-front and honest? Not with these miserable individuals named Ni** and Je******. Perhaps their income is a commissioned and incentives driven one by means and ways of whom they can scare and make people submit to payments that they can not at this particular time afford. No matter how much you try to explain to have them understand, they are only there to put you in a dead-beat position and make you feel totally shamed because of it. I did offer to trade places with the first rep so he could see how it felt to be in a very comprimised position and that I would call him and harass him like he was doing to me, and I am sure countless other people suffering job problems, however I guess his stuttering and subject change to get another representative and put me on hold to tell his version of the phone conversation to the female toughy was his way of saying no. As anti-Christian as this comment may be, perhaps what goes aroung comes around and they too, may walk the path some day.

Mister Quik submitted a financial form through Wells Fargo when I needed a new breaker box in my house. They approved and also sent me a credit card. Within a few months I started getting false charges on my credit card and I sent a dispute letter to the address they gave me and changed my credit card #. They kept saying they never received my letter disputing the charges and I sent another that they still never received. Finally I went to a Kinkos and faxed it to them. It still took several days before they said they got it. This doesn't make any sense since a fax goes right to them. They took off some of the charges and said the others could not be proven to have not been made by me. I closed my account. However when I got my last statement there were more charges I didn't make to the new card # that had now been closed for over 3 weeks. Charges to an inactive card. They said something about the charges hadn't caught up to me but I never made those charges. This company has horrible security breaches and poor customer service. Wells Fargo is a joke!

My first problem is that I have been paying all interest each month, 0 principal. And I know the loan was not set up that way. My letters regarding this were ignored. Once I researched the Truth in Lending Act I studied my loan more carefully.

The amount that they claimed to have paid my old mortgage company during this refinance seemed high. I called the old company and they sent me a letter indicating the amount they actually received, $2306 less than the amount shown on my paperwork! Somebody stole my $2300.00 and also I am paying interest on that money as well. My letters regarding this problem were ignored as well.

I contacted AG Andrew Cuomo and he agreed that there were some discrepancies and he thanked me for alerting him to these. But I did not get any real help from him. At this Point I might hire I lawyer to get even with these ###.

We recently talked with Wells Fargo about refinancing a vehicle, we were told we were approved, but my husband and I were not thrilled with the terms and conditions - so we declined... a few days late, we thought about it again and emailed the loan officer and said we were still interested if it wasn't too late - she said come on in, THE OFFER IS STILL ON THE TABLE... so we found a babysitter and went back in - after an HOUR of sitting there waiting for paperwork and such, CIndy comes back and says we are not approved... NOTHING HAD CHANGED IN THE FEW DAYS SINCE THE LAST APPROVAL AND SHE HAD SAID THE OFFER IS STILL ON THE TABLE... we are done with them!

I recently had a bad experience with Wells Fargo and when complaining to two different supervisors, I was told, "We don't care". Of course they don't care! I am an individual, and they can deal with me, alone. But if all us disgruntled customers unite and organize, I am sure we can get them to care. I will be sending a hard copy check by regular mail for .10 (TEN CENTS), to be posted to my Wells Fargo account. I will send a check each 5th, 10th, 15th, 20th, 25th, and 30th of the month, each and every month. This will cost me $3.06 per month, which I feel is a small price to pay to get Wells Fargo to "care". I will bend the envelope, and add an explanation letter as to why that person is having to manually post a ten cent payment. Can you imagine what will happen if ALL us disgruntled customers were to do the same? Say, one million checks in one day! We'd swamp their mailroom and I bet Wells Fargo would soon begin to care. As far as I know, this is completely legal. Shucks, you're just trying to pay down your loan! Please join me in this campaign. Wells Fargo needs to learn to, "CARE".

BBB,
I bought carpet through Academy Carpet. They went through Wells Fargo for financing. I did ask (Dave the salesman for the carpet) did I have to go through Wells Fargo. He replied thats who they get their financing from. At that time I had a 760 credit score. The contract stated o% down for 1 year.At the time it was a good interest rate. I'd never had problems til now.
Randy Rankins said he did not agree with the contract. He took everydime which I'd put towards the principal, he put it on finance fee. He's helping ruin my credit, like its not bad enough already. I looked at my credit report he has it as a write off, its not a write off.
BBB, the reason I keep filing is because their isn't a lawyer that wants to represent me. I have others to file and I know the truth is on my side.(several) I won't go down without even trying. I have to try to help myself because no one else will. Usually they will take you to court, so I was already for that, still ready. I've never heard just write it off and I was almost through paying for it. They call everyday, all day and they never mention the carpet or the 2 money drafts which I was paying off. So I have to get things straight, before they get anything from me. Vanessa Choice [protected]-4302hm
Thank You
Vanessa Choice

Come on. We cannot get a mortgage PREAPPROVAL from them. Very good credit score, no debts, >50% downpayment, ideal customers and we don't borrow much. They told us it would take from 1 week to 1 month. We've been waiting for over 3 months. Every time the same story, you're almost preapproved and then they start something else again. The last status was 3-4 weeks ago when they were re-checking out credit score and WAITING for a reply from Experian (I myself need 3 minutes to download this info from the internet). No way we going to get a mortgage from them. I'm glad I found the address where to complain.

Ok first start by going directly to the top. Don’t mess with the little guys, I will say that even this is not enough because I am still getting the run a round. But at least i got a call from the Executive Mortgage Specialist the next day. I copy Mark on every email so he feels the run a round pain I am going through.

Marks email address: mark.oman@wellsfargo.com

https://www.wellsfargo.com/about/corporate/executive_officers/oman

MARK C. OMAN
Senior Executive Vice President,
Home and Consumer Finance
Wells Fargo & Company

Then file a complaint with the

Office of the Comptroller of the Currency (For National Lenders)
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX [protected]
Phone: [protected]
Fax: [protected]
www.occ.treas.gov/customer.htm

I am going through the same thing with Wells Fargo. They current hold my mortgage on my home in Texas. I started the refinance process with them in April and as of the new year I still have not closed. They have no answers, no reasons and cannot provide a closing date. They claim that it is costing them to pay the penalties on locking in my interest rate, but I don't believe a word they say. They will be losing my business as a result.

I thought we were the only ones that had this experience with Wells Frago Mortgage. We started re-finance application in May 09 at which time the asked us to pay up front for an appraisal. We paid the money only to have no communication from them for months. I am scheduled for spine and brain surgery before the end of the year and knew this was coming up in turn, an attempt to be proactive. We recieved a letter the other day that we requsted to withdraw our application. WHAT? Why on earth would we do that when we had locked in at 4.875% interest rate where we are at 6.25% now. Yeah stall tactics. Now they say we can resubmit your application but the interest rate is 5.25% I know it doesnt seem like much but its the point of the matter. Now we are pushed back several more weeks and get this, we get another letter in the mail stating that through this program we dont need an appraisal. Well where is my money from the first application. There has got to be some typ[e of reprocution for these companies to be missuing, missinforming, and just straight out lying to consumers.
Okie Chiarian

I am so happy to hear that i'm not the only one dealing with the complete incompetence that Wells (yes I agree hell hole) fargo has shown me. I have been trying to do a loan modification for 9 months now with numerous...and I mean NUMEROUS ...emails and calls. Needless to say not a thing has been done to date. I was in the same situation where my credit is 788 and I tried working with Wells when I found out I was being laid off. I was hoping that I could lower my interest in order to afford my home either on unemployment or knowing I was going to have to take a pay cut moving to a new company. I have heard every excuse and made every complaint I can think of. It even got to the point where a supervisor from the email dept called me directly after she made several attempts to 3 different supervisors at the mortgage dept to get them to call me and I didn't receive 1 call back. How completely sad to think a Wells Fargo email supervisor was even disgusted with the way the mortgage assistance dept handled business.
My newest experience lately has been getting calls from the automated "Jessica" asking if I've returned my "paperwork" yet, and everytime I call Wells, they tell me, no just disregard it, no "paperwork" has been sent to you, its still under "review". I agree that I think Wells Fargo is jerking everyone around and I can't believe that they haven't been investigated by the BBB or government for their unethical way of doing buisness. I can happily say though that everytime someone asks about my bank, I strongly advise them to stay as far away from Wells Fargo as possible. Hopefully Wells Fargo starts to lose buisness due to their ineptitude and they realize customer service still has meaning.

We are in the same boat! Still have income from my husbands job but after I lost my job in November started the refinanciang process back in January to lock in at 4.75% & lower payments. Even now, we have never been late with our payments. Tried conventional refi - turned down, Went down the road for a HARP loan - told all along that yes, we qualify and it will go through, it just takes time...just takes time...etc...even recieved a call from the 'underwriter' that its moving along and should be complete soon. Then after not hearing anything for another several weeks, contacted my WF "agent" who informed that because we listed our home for sale for 3 months to see if there was any interest (the listing expired already) that the HARP refi was denied and we have to start all over again! I truly believe that THEY HAVE NO intention of refinancing our loan with them.
I am interested in somehow holding thier feet to the fire - any ideas or organized communication out there that I could join?
It burns me that they are making profits, handing out big bonuses - pocketing OUR tax $$$ that was given to them to help homeowners and small businesses.

Wells Fargo misrepresented information to me regarding loan modification. I entered a payback arrangement following a job loss and was told that "after 6 months we can modify the loan to a lower rate and return your escrow balance." I contacted the mortgage office and was told that the "payback arrangement WAS a loan modification." This is totally counter to the information I was originally given. They are also holding my escrow illegally, and I just read in the paper that Congress is not pleased with their rate of loan modifications using the stimulus money they received for that purpose. I am trying to do the right thing and am not getting any cooperation from them. When I originally called upon losing my job, trying to be proactive, they told me there was "nothin they could do until I was delinquent."

Some good and some bad.

They close my convenient to use ebt card for a year. Because I have made dispute over the scammer. And they can not handle it, and named me a mistake of it. MISUSE CARD. I believe the staffs are crazy. The card is for customer to use for purchase with certain limit and rules. They are not me. And how can they say something like time?! You can not handle your work load and shut my card down with a non-reason on record for a year that I did not do. I hope you got punished what you have done to others one day with too much greed benefit at your job.

THERE IS NOT SUCH REASON, a bad housewife or some one financial management bad. NOOOOOOOOOOOOOOOOOOOO, it is a dispute of a scam by the merchant through/on the card. They just had to make it up a reason that is outrageous.

this is janice blanken/jimmy blanken ref.#[protected] you have sent two letters we called two times and you can't understand it yet? no more letters will not pay your stupid prices for[ insurance] we have told you AAA insurance you can't get it yet so call them at [protected] maybe can understand them AAA policy #oks-[protected] it is easy[ ok ]

I am a Legal Apprentice at a New York law firm, and I am responding to posts made by Wells Fargo auto customers who have been charged for Collateral Protection Insurance or CPI. Our law firm is currently investigating this type of conduct. Please contact me at your earliest convenience to discuss your experience. My email is jamie.song@balestriere.net

wells fargo are ###. constantly calling and irritating me. this is a scam, trying to get you to buy more insurance from them

We have spent years keeping our credit A-1 and now no one will even talk to us now about getting a good mortgage, this is our dream house that we built and would really like to keep it and with good loan. We have never been late on this Mortgage!
I guess I was asking Wells Fargo for too much to be a great customer and prompt payer, they would rather jerk people around and get that high interest no matter who they destroy.
Here are the 3 different mortgage scenarios we are going through with Wells Fargo Financial, very unhappy with abusive predatory tactics/promises/lies!
On 02/18/08 we financed our home with Wells Fargo Financial to pay off dept that we inquired during the rebuilding process of our home, the home was previously free & clear, we dealt with Trish she contacted us cold call, and we were promised a 9% a fixed rate loan, no problem, get to closing and it turned out to be an ARM @12% interest with 3 year adjustment, my wife had a few things on her credit that was paid off so according to Trish that we can refinance at a good rate in 1 year, Great! Now we have good credit, no late payments on anything and I mean everything. also extra used funds to put in a new septic system & other improvements so we can get ready to refinance, ( last & final time, but Wells Fargo wants to keep us bouncing around in their corrupt system) at 95% of value next year as Wells Fargo will do that, but for them to get around that, they have their own appraiser and he low balled the appraisal by $20, 000, We had the house appraised for $90, 000 a few months earlier by another appraiser, (that deal did not go through due to old septic and water system), and Wells Fargo says it is only worth $70, 000 and that was after many expensive updates. remodel, the home will be worth $90, 000+ now.
Now comes April of 2009 and we were contacted by David Olson one of the managers at the Grand Rapids, Mi. branch and said we are ready to roll this loan into a 4.5% 30 year mortgage, $7500, in closing costs, very high but he said was negotable, Great! We sent all the paperwork in, in April which was all there, complete, easy to find since we had the recent refinance. David also said the sooner we get our paperwork in the sooner we close this loan, so I did just that, 4/15/2008.
Then 05/28/09 comes along and we finally got the Truth in lending Disclosure, Great! every thing looks good, the terms and everything were good for us.
Ok, now that the home still needed a little work to be perfect, I finished some small projects and still needed to complete the garage, siding, electrical, so I contacted David Olson and he said the loan is all approved and just waiting on the appraiser, So I waited for a while and asked David Olsen again what was going on? and again he said the loan has been approved and still waiting on the appraiser, busy guy, So I asked if I could get my own appraisal and he said no to that and David Olsen told me to borrow money to finish your home before the appraiser gets there to get the best appraisal,
OK, put about $5000 on credit cards to finish home and everything was good to go now, 6/15/09. just waiting on the appraiser. Now I also asked David if we should get someone else to refinance since they were having trouble getting a appraiser here and he said just be patient, the loan is all approved and the appraiser will be there, just wait for his phone call. Well this went on all summer, if I would have known this guy was lying to me, I would have found another finance company, but I would have 2% prepayment penalty on the loan, so I would just stick to the plan.
Ok now here comes 08/31/09 a refusal letter stating that we insufficient income, and owe too much. We did not the year before and had many more obligations, yes that is true but since we borrowed money to fix up home, Thanks to David Olsen, I would think that would be expected, since I was going to pay off all dept with loan proceeds and we are on a path to great credit, I have been borrowing money to pay some bills till this loan went through, well since the loan did not go through, I cannot pay my unsecured debt, Now I am in big trouble, it is my fault for listening to these lies from Trish and David Olsen and Wells Fargo. I should have seen it coming.
Ok, now comes the Home Affordable Modification Loan since our income has dropped due to my tenants not paying and the overwhelming unsecured debt etc. (my wife is a Vet and we are both on Social Security fixed income due to disability's), that was 09/11/09 We sent all required info for the Home Affordable Modification to Kerrie Holst and on 11/04/09 Kerrie Holst needed more info, we sent that out promptly and about a week later Karrie Holst called me and said we do not qualify for the Home Affordable Program, we made too much money and the payment would go UP instead of down, I then asked her if there is another way of getting this home in a good loan, and she said it was in a good loan and 12% ARM is a very good rate? WHAT? and she kept insisting me that she trying her best to help me? WHAT?, well that conversation did not end well.
1. OK now check out these 3 situations- 02/18/08 had good credit except wife, not too bad, we get 12% ARM 40 year $675 a month, Ok no problem at time told we can refinance next year when these marks are off of credit
2.OK, Been 1 year now, David Olson called us (cold Call) Apply for a good loan all credit issues cleared up, April 2009 4.5% 30 year fixed-$399.51 a month, down from $690.00 mo. perfect! come 08/31/09, got refused for this loan, findings-could not afford this loan? WHAT?
3. Now we apply for the Home Affordable Modification 11-09, got refused because we make too much money and the payments would go up instead of down, Well That is my nightmare with this bank.
Now How do these numbers really work, approved for $675. per month -currently,
Credit cleared up and apply for 4.5% 30yr fixed loan $399. per month -did not make enough money What?
Apply for Home Modification loan, got denied, payment still $675 per month, -now receive too much money and payment would go up instead of down, with and less income now than in the past 3 years. What?
!Please help!
Thanks, Todd & Cori Runnels

exactly the same they did to us! scam!

This one is subtle and oh so difficult to prove. Wells Fargo started sending me E mails about 3 weeks ago about how there may be suspicious activity in my account on line. I took the E mails into the local bank as the #'s they had me call were asking for my acct. # and if not my SS which seemed of course suspicious. The bank reported these E mails to the fraud dept. of Wells Fargo. Then I got a letter saying they had been trying to call me unsuccessfully and that I needed to call their fraud line at [protected]. Well I reluctantly called the # and they wanted my acct. # again and if not my SS. I said no, I won't give them over the phone. I went back to the bank (same banker) he said that he'll report it but it probably isn't anything and I should bring in the letter.
He pulled up my statement and printed it...nothing wrong or out of place. Went to pay my mortgage on line this AM and I am denied access (for security reasons). I called the # they give on line. The "nice young man" explained that it just may have been triggered if I used a different computer to access my acct. Okay,
so then he goes into 15 ways why I need to pay $12.00 a month to get Wells special security policy against
just this type of thing...Bait and switch by causing unnessessary fear this one is...imagine how many $12.00 per mo. policies this creates for them. I think it's criminal! Anyone else experience this?

A personal banker offered me $50 to open a checking account, but claimed he couldn't find a copy of the certificate. I told him to send the $50 certificate along with the account opening forms to my home. He opened a checking account and a savings account for me without my authorization and signature, but never sent the $50 certificate to me. When I complained to their toll-free number, I was told that I would receive my $50 certificate and that I would not be charged any fees. However, both statements were false.

I am writing on one last attempt to reconcile the problems with my account. I had several small check card purchase which for one reason or another did not go through until after my account had run low. I was charged $34 for 6 or 7 purchases under $10. I was under the impression that these purchases would not go through on my debit card if they were not going to be covered and/or taken out immediately.

In the past I have liked your service but other than availability in most cities, there is nothing irreplaceable about it. I closed my account immediately after seeing these charges as I'm working in Osage, WY for a few months. My sister is handling my local business, she has power of attorney for that purpose.

If you would consider refunding these charges I would reopen my account as I noted, it is convenient. I have a direct deposit of $400-600 per week.