Wells Fargo
reviews and complaints

First off, I'd like to preface this by saying that I have worked in a bank in all positions, excluding personal banking and management so I know how a bank should operate and what they are and are no capable of doing, the only reason I no longer have an account at my old company is because I moved from Canada to the US. In addition to this, I have worked in sales and customer service for 14 years. The Wells Fargo that I frequented just opened this week, in a very community based area, which is what makes this incident all the more disappointing.

I had to cancel my debit/credit card last week as I had lost it and while waiting for my replacement card, I had to go into the bank yesterday to withdraw money. I did so by writing myself a cheque to cash and left ( $60 given in three $20 bills). Bear in mind, I don't have an ATM card so that is the only way to get cash from my acct. This morning, I went to buy something in my neighborhood and when I went to pay with one the $20 bills that the teller gave me yesterday, the business owner was hesitant as the bill was very old and looked like it may have been fake (the bill was from 1973). He asked that I get a new bill or get it verified. I wasn't upset, I just crossed the street and returned to the same branch I frequented yesterday and asked that they check the bill and issue a new one if indeed it was a counterfeit- I was sure that the bank would assume responsibility for giving me a faulty bill. ( Any central bank teller, if they are doing their job properly should sort through the bank's bills and remove "mutilated bills"; anything that can be seen as a bill that should be taken out of circulation. The bank sends these back and gets the money replaced with newer bills). The teller explained that she needed to talk to her manager then went to another teller and asked a question. When she came back, she told me that it was my responsibility to know if a bill is real or fake and to take action before leaving the bank. I told her this was ridiculous: I withdrew money from my acct and the teller that deducted that money gave me what appeared to be fake money and because I was in a rush and trusted that a bank carries real money, that's my fault? I told her that understood it wasn't her fault but that I needed to speak to her manager. At that point, she went to get the manager- a different person than the teller she had just conferred with- and when the manager came over to where I was, once he had safely locked himself behind the protective glass (which was just comical, I'm a 110 lb, 5'3 in, female) he finally acknowledged me.

Here's where it get offensive. The manager tells me that " There's no way this bill came from this bank"
( verbatim). When I explained that it's on my acct profile that I didn't have a bank card and that there was no way I got the bill from elsewhere, he went on to say that since it was brand new branch, there was "no way the bill could be from here because obviously, this bill is fake and that would just never happen, we're brand new just like all of our cash." He then went on to say that he understood my frustration but there was nothing that could be done since the bill didn't originate from Wells Fargo. So what I got from him was:

1) Even though I'm client ( with a good banking history) I'm lying.
2) I took the bill I got from the bank and exchanged it for a counterfeit and decided to go to the bank and get them to assume responsibility. ( Yeah, that makes sense. In addition to the hassle, that's just stupid.)
3) It doesn't matter what the situation is, they won't help.
I told him, that it was a real shame that this is the way the branch has chosen to handle things seeing as it's their first week being open in a tight knit community.
Here's the kicker: After leaving, I went across the street to another bank and asked them to check the bill for me. Turns out the bill was REAL and they took it and issued me a new one. So, not only does Wells Fargo treat their customers like dirt while other banks will gladly help but they don't even do the most basic part of their job at Wells Fargo. If the teller and the bank manager had taken the simple step or running the bill under a counterfeit checker, this whole thing could have been avoided. I was sufficiently upset at Wells Fargo and have told the tellers in the competing bank about my experience as well as several others that I came into contact with today. I will continue to spread the word that Wells Fargo stinks. I also dropped everything I was doing at the time to call and file a complaint against the manager and the branch.

It's shame that the unintelligent drones that work there don't understand the concepts of customer service, respectful approach, word of mouth marketing and how one dissatisfied customer can lead to a greater loss of business.

I have seen many complaints about ASC. ASC is a front for Wells Fargo. On the upper right hand side of your bill is a correspondence address. If it is PO BOX 10328 in Des Moines, Iowa 50306 your branch of ASC is affiliated with Edward Jones Mortgage, LLC. These guys are affiliated with Wells Fargo Ventures, LLC. The bottom line is the top of the food chain here as best as I have researched thus far is James Strother, EVP and General Counsel of Wells Fargo & Co.. His listed address (assuming it is his business address) is 633 Folsom St., San Francisco, CA 94107. He sits in a fairly prestigious position on the Wells Fargo Board of Directors.

From what I can tell he is the head of this monster. I have been researching this for a few hours and it is 4:44am so I am going to bed. I will add to this as I uncover. Next up is his phone and fax. There is also an ASC operating out of St. Louis, MO tied to Wells Fargo Resources, Berkshire Mortgage Co. and Texas-Western Co., whoever they are. They are next. Once we have some names and faces to go after we can start asking for professional treatment or we can pursue litigation. It is time to force these skunks out of the shadows they hide in.

Last Saturday, at a local restaurant, I tried to use a Wells Fargo Credit/Debit Card. The card was denied and I was told there was a block on the card. I called Wells Fargo and talked with a customer service person who kept asking for verification questions and after answering the questions, she continued asking for more questions. After the second round of questions I asked for a supervisor. The supervisor read from a script and told me that the $40 dollar transaction was unusual and that is why a block was placed. I told her that I wanted to avoid this problem in the future (Wells has done this twice now) and asked what was unusual about the transaction. She told me it was unusual because of my patterns. I asked what was unusual about the pattern and was told that it was an unusual transaction. I then asked for this person's supervisor and was after introducing myself, disconnected. This is the most hokey unprofessional company imaginable. I don't think they could transact business in a worse manner.

We have been locked in for 30 days and are constantly being asked to give the same information we have already given. No cooperation from the person handling the refi.

We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.

I have an auto loan with wells fargo...they are usually quite pleasant and helpful however TODAY...I spoke with a young woman that obviously needs training in Customer Service and a serious attitude adjustment. She should attempt another career because client interaction definitely is not her thing. I think her name was "Shanika...Shamika" who knows. Get another job girlfriend!

I've been having the same experience. I balanced my checkbook and thought I had a balance of around $200 yet when I go online to check, it says I only have $60. There were some extra fees there, but when I deducted those, it wasn't enough to explain the discrepancy. I went to my local branch to complain but all they did was print out a bunch of transactions, the same ones I could have gotten off the website. This isn't the first time this has happened. Wachovia is siphoning money out of my account and considering that I have to save up for school tuition, this makes it beyond unacceptable to downright criminal. I've decided that I'm going to close my account and find a good online bank. I am angry but at the same time relieved that I'm not the only one this has happened to.

I, too, am a victim of Wachovia and think I am going to file a complaint with the BBB here in Nevada as well. On more than one occasion, when I did the math and believed myself to be in the clear, they have charged me with bogus NSF fees at $35 a pop! Just today, for example, I was checking to see that my rent check and some other household charges had successfully gone through. There was $40.97 when a check for $35 came through and they bounced it! There was enough to cover this check and they bounced it and charged me $35. This is highway robbery and must be illegal in some way shape or form.

I have decided to fight fire with fire and blow the crap up out of them all over the web, mainly on social network media sites like Twitter and Facebook. I have followed them and become a fan so they will now see my posts and hopefully respond. I want my $35 back and a letter to give to the person whom the check was returned to. This is [censored].

The best is', both transactions have the same number, that is normal at every clearing house, when the second transaction arrives the first transaction must be deleted.
Wachovia has altered his software to raise funds with our money. the first quarter of this year has a 3 billions profit (from our money) and I'm very concerned about this money is used for million dollars bonuses to the biggest thieves at Wachovia.
Sorry for my little english.

A review of my online statements for my checking account with Wachovia Bank shows Predatory banking practices by Wachovia.

On August 15th, 2008 my account balance was $2, 841.52. In my account statement Wachovia banking fee of $280.00 was taking out of my account. Wachovia claims that the $280.00 fee was because my account was negative. However, as of August 18th, 2008 my account has a positive balance.

Wachovia states that the $280.00 fees were deducted because the items that were posted to my account on August 19th, were taking out of my available balance on the date of transaction causing 10 transaction after to be over drown.

Wachovia then deducted an additional $175.00 (dated August 19th, 2008) for the funds that were previously taken out of my account and reduced my available balance on the date of transaction; stating that the date the transactions were posted to my account my account was negative.

How can the amount that was ALREADY deducted from my available balance on August 17th and 18th, (Positive balance) and posted on August 19th be overdraft/unavailable? This is PREDATORY banking practices.

I have since review my account history and found this to be common PREDATORY banking practice of Wachovia Bank.

I asked the State District of Columbia Department of Insurance, Securities and banking Enforcement and Investigation Bureau to investigate Wachovia PREDATORY banking practices. They refer me to the Office of the Controller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010, telephone [protected], fax [protected] for assistance.

I would recommend that everyone send a letter and fax to the office of the controller of the Currency reporting the Wachovia PREDATORY banking practices.

I COMPLETELY agree with you! I, too, have been fighting Wachovia over this. It should be illegal! I made complaints to the BBB and also contacted the FDIC, who directed me to another entity. Wachovia "generously" gave back the $105 they STOLE from me as a "courtesy" but ONLY after I reported them to the BBB. They were rude ON the phone, IN the branch and Online. I HATE this bank!

I personally think that wells fargo is nothing but a scam. We have been paying on our 02 ford escape for almost 4 years and still have not hit under the 10, 000.00 mark. Our payments are 410.00 every month, when we tried to refinance w/ them thinking it would be a good idea beings we have been w/ them for so long they refused us. These people are outragious and are robbing us.

They are doing almost the same thing to me, i was told i would have a high payment for a year but if i paid on time they would lower my payment thereafter, my credit is not good and they decieved me now i am upside down on my car loan and they will not lower my payment...

I am so upset and angry with Wells Fargo! I have had my mortgage with them for 7 years, and have it set from my personal bill pay to make the payment, this month they took it automatically along with my billpay .. I have asked them to refund my extra payment and they wont! after many calls to wells fargo, I am withdrawing all my money and going to another bank! This banik is an absolute nightmare! don't go to wells fargo!

My step-daughter has a car loan through Wells Fargo and it has been horrible. They constantly call and harass me (I am the co-signer) about late payments or missing payments. When I talk to my step-daughter she is adamant that she is current and is not behind. When I get on-line and check her account they list it as being current. Now, mind you, she is in the Navy so her payment comes directly out of her checking account. These people are idiots! They have even put unnecessary insurance on her vehicle without asking her, charging her another $1000 dollars. They made her insurance company fax information to them to prove she had insurance. They have taken payments out of her account before due dates, or taken more money out than neccessary. This bank is an absolute nightmare! Stay away from Wells Fargo!

I have been in a 10 percent interest only Mortgage with americas servicing company for 4 years. I have been through 3 foreclosures and will going into my 4th. I have worked very closely with americas servicing company ASC on the loan modification process to prevent foreclosure and they have used consistant STALL TACTICS. These tactis include LOSS or claiming never to receive paperwork. Incomplete paper with notification as long as 3 months later to tell you your paperwork is incomplete. NO goverment affiliation or programs offered (ASC is a servicing company for note not a bank) they are not working with the federal goverment on any foreclosure prevention or lower interest. They only work with the guidelines of the note holders approval. There latest tactic was to inform me my title was in lien status. After 6 weeks of research and contacting mutlitple ttle companies and escrow companies I have learned that mortgage lenders when selling loans use a system called MERS Mortgage Electronic Registration Systems, this was to save them money on not filing recording documents, title paperwork or paying fees, keeps the mortage lien with the original lender that the loan was paid out by. So when itcomes time for you to refinance or modify this loan it will show the original note holder and previous lien holder on title. They ASC wells fargo told me thatthis was my issue to solve and after many weeks it has become clear that notonly is this not my issue but my titl was clear and correct and was never in a lien status for them to deny me. AGAIN by using stall tactics these companies continue to make high interest, foreclosure fees, late fees, escrow fees (which is crazy because as we just learned they don't use escrow companies.) I feel like sue them, I filed for my loan modification in April 2009 and now DEcember 2009 i have not made any progress with this company have been denied a loan modification because to the liens from previous lenders that were paid in full. I faxxed them the conveyance paperwork, the title reports, the county on line links to the documents showing NO current liens and me as the primary person on title. And still the ASC wells fargo representive MArgaret Stalls says I need to fix the title. My reply " there is nothing to fix!" Wow so if i count the months and the 10 percent interest only payments 3200.00 month, times 10 is 32, 000 plus late fees, plus foreclosure fees and I am at 42, 000.00 to release my home from foreclosure. They are of course offering to put it on the back end and my new payment will be 2200.00 which is still almost 6%. What a deal, make the loan bigger, still pay a ridiculous payment and cause my life and unrest! Thanks Wells fargo and ASC Call State of Iowa Attorney Generals OFfice and you will talk to a representive that has filed 3800 complaints of similiar nature. I am sure the Senator for this distric is well padded.

http://wellsfargocaught.blogspot.com/

They are crooks and I agree with you. ASC uses stall tactics. Do you think it help to send a letter to the Attorney General in Iowa or is it a lost cause? I live in New York and can't find out anything about this company othr that it is dba Wells Fargo, but Deutsche Bank is foreclosing. I can't figure this one out - so are they the note holder? That is not what is not the name on the note! Help anyone to explain this to me.

Today I spoke with actor DEON DERRICO spokes person from DEON DERRICO Entertainment Inc. and they stated that the property that was purchased for the company's business have all been saved and once there legall team stepped in and provided proof of the pay and other legall issues that could not be mention, as of 07/27/09 but they assured me that once everything was finale it's going to be broadcasted on all local stations.

Maria Beuno, LA CA

I think that is great that you have started a company to help people, but you shouldn't have to.
I understand that it is not ASC's fault when someone is legitimately behind on payments, however, the way that they treat people is unacceptable and, frankly, immoral. We are behind on our payments and have been working since April to get a short sale approved. We have faxed our paperwork at least 10 times. We are first told that it is rec'd, but not scanned into their system. We are later told that it was never rec'd. It is July and we have not gotten one thing done with them. Each time I call, I have to schedule and hour to talk to them and end up crying at the end because they have no answers and just don't care. Now, we have a foreclosure date in September and they say that they have time, yet it could take 90 days. We have already spent over 2 months trying to work with them. My point is, treating people like this should be illegal. They are playing with people's lives. Does anyone know of anyone to file a complaint with?

Horrible company!
The auto finance department claims there is only 12 employees in the department. They are all rude! I have never dealt with any company (especially financial institution) as awful to deal with as this company.
I helped my 83 year old neighbor sell her car to get out of the 'rip-off' lease deal she had. We sold the car. We went to a Wells Fargo Bank Branch to payoff the loan. The branch could not even get in touch with the auto finance dept. It seems like this part of Wells Fargo is run by people who like to toruture us.
They lost the title of the car. Would not communicate with the bank that has the new lean against the car. It has been such a mess!
PLEASE DO NOT GET A LOAN WITH WELLS FARGO!
There are other banks that will do you a better service!

I am so upset. because Wells Fargo received so much money from the government and cannot help the working class or retired people.What are they doing with money.

do not waste your time trying modification.if u do not make enough money u cannot modify your mortgage through wells fargo. if i had enough income coming in i wouldnt need modification. i am out on permanent disability, due to having only 30% heart function. so needless to say i dont bring in monthly from ssi disability, versus what i mad on my job.
i did not receive my first disability payment fromm ssi for 6 months, ans yes i staid 1 month behind on my payment, continually getting harassing phone calls, up to 3 times a day.i even explained that i had heart problems and the call seemed to get more frequent. wells fargo ceos and presidents will burn in hell, because of the way they do people.
i caught my payment up, and my march 1st payment is due, and it is only march 6th and i am receiving phone calls already, they do not care for people, they only care about padding their pockets. i will stand in heaven and laugh at them as they burn in hell. hope the money is worth it boys and girls.

sincerely (not)
bobby f julian jr.

Over the past 10 years, I have never been late on my mortgage payment. However, the last two months I paid my mortgage on the very last grace period day. Big companies do it all the time and save money by not paying early, rather earning interest. Twice now I have had a Wells Fargo representative call my home asking about the payment. I explained I paid on time and have my receipt to prove it. This last time the rep had the audacity to ask why I paid so late. I told her it was none of her business. She then said that their system can't check for my payment for 3 to 5 days because I "Apparently made the payment at a branch." I was furious! It is none of their business as long as they get their money, and I'm outraged at their insinuating accusations and personal questions. Perhaps it is time to refinance with Bank of America. At least there they don't harass people, and their system can check and credit a deposit or withdrawl immediately.

We too are getting the run around about doing a Modification on our home. I lost my job March 2008 and had to have major surgery two months later so we got behind on payments. Living (on unemployment)paycheck to paycheck we could not do a "repayment plan" which they kept trying to force on us for about the first six months. Then they told us they were working on a loan Mod and for us not to send any payments for three months. We were told we didn't qualify (aft we were 3 more months late of course) and they did a memoritorium which one CSR stated we only have to send in 3 whole payments or send what we can then when whole past due amt is due they will try to see about putting it at the end of our loan and lowering payments. This was exactly what we have been trying to accomplish but keep getting different letters from different states saying different things and when we call get different people who say different things also. The very last thing in this ongoing saga is the Supervisor of Collections stated to set up 3 payments to be taken out of my checking account then when they get paperwk will work on Ln Mod. We have since got another Forebearance stating we should send the 3 payments to Loss Mitigation in Ft. Mill, SC. So now one dept will have my payment and another will say we voided the forebearance by not sending THEM the payments! The right hand don't know what the left hand is doing and I think it is all a ploy to put you off so they CAN get your house. They want all that Gov't Money just to take your houses. I personally think Wells Fargo should've just stuck with Armored Car Services!

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

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

I received a call from Wells Fargo customer service department stating that my request for a loan modification was again denied. This has been a revolving door for thirteen months ago and I have been toyed with, lied to, put off and undermined although under the stimulus plan, I meet qualifications.

Having never been late, the mortgage has been on time and Freddie Mac is the investor. I have provided documents per request as required. They have either lost, or claimed to have not received them. In due diligence, I persist to provide everything requested in first born if I had one. I ask for the make home affordable modification plan, yet I’ve expressed in writing in several packages sent out (over 6) that I have been experiencing financial hardship due to divorce in 2007 and my second income has all but disappeared. Each time, Wells continues to give me bureaucratic ‘fluff’ and then denies my application each time.

Wells has completely prolonged ignoring or acknowledging my request for a modification although I qualify under the Make Home Affordable Plan since Freddie Mac is the investor. They are setting me up to loose the property.

This is the biggest rouse on the American public. I am humiliated having wasted time over and over again on earnest efforts to keep my mortgage payments timely by any means. This is utterly ridiculous and the worse fraud, knowingly that there are no intentions of modifying mortgages under any plan.

I work for a non-profit organization that has provided assistance for homeowners to keep their homes. We act as a third party on behalf of clients. I approached the lender representing myself. They have performed such injustice with out plausible consideration or goodwill. This appears to be covert fraud and misleading. I hope that there is a procedure that will investigate the processes within the department, the paper trail and how the program applicants that should otherwise qualify are determined that they do not qualify, namely me.

I have a 0% interest loan with Wells Fargo to purchase a Temperpedic Bed. Initially I thought this was great, but I had to learn the hard way that Wells Fargo is not in the business of banking but the business of scamming. I use my automatic bill pay to process payments that are due to wells fargo on the first day of the month, which is the only day I can make a payment without incurring a late fee. My payments are post marked and mailed before the first of the month, but because wells fargo does not process the check until whenever they feel like it, they are assessing a late fee on my account. I have refused to pay the late fee, and they are now assessing a LATE FEE ON THE LATE FEE!
I have contacted consumer services to address this issue, because this can't possibly be legal, and I can't imagine how many others are going thru this. I urge everyone to contact their consumer services with these issues; something has got to be done about these scamming companies, doing business as banks.

I had the similar problem. I bought some furniture and received a 0% loan from MOR Furniture through Wells Fargo Financial, (Another place I will never do business with again but we will not go there now) I auto pay all my bills bi-weekly on my payday. My payment due was $146 per month. I wanted to pay my loan off in 24 payments which calculated to $126.00 bi-weekly ($3, 024 / 26). So I was basically paying $252 per month. Wells Fargo set up the “Due Date” on the 8th of the month but they have a different “Statement Date” that WAS LATER, it drifted around, June 13th, July 14th. With this scam, sooner or later on the bi-weekly payment plan they will apply 3 payments in one month and only one on the next month. I just had this happen and I was charged a $25.00 dollar late fee (they could have charged me $35 per their terms and conditions). I paid on 5/16, 5/30, (for June 8th) and I paid on 6/13 and 6/27 for my July 8th payment. So with their drifting “Statement Date” they put my June 13th payment which was made 5 days after the “June Due Date” on my June statement. My next payments were 6/27 and 7/11. Both of these payments were applied to my July statement. So even though my statement showed I paid $252 for the month they said I was late because they did not receive $146 by July 8th. They said there is nothing they could do and they could not refund my $25.00. I then nicely asked how I could file a consumer complaint. They put me on hold for about two minutes (must have been talking to a supervisor) and then they said they will allow a “one time refund” of $25.00. (we will see how long it takes to get it) I am paying off this loan and canceling the account next week. I bet I am not the only one that had this problem.

well fargo sucks they charge me 257.00 in over draft fees, because i order a book and sent it back to the merchant because the book was a scam. i canceled the book and well fargo still let the merchant take the money out of my account than cherged me.

I love Wells Fargo Financial. They have simplified my life by consolidating my bills. I have reduced my monthly payments by $900. I have money to feed my kids and gas money. Thank you!

For one thing, if you have a bank w/ online bill paying, use that to send a check for your bills about a day before they are due. I've had Wells Fargo try that scam w/ me. I promptly called my bank (USAA) and they sent a fax to Wells Fargo w/ proof of when my payment was received by Wells Fargo. But, please read my posting under WELLS FARGO FINANCIAL. Start those ten cent checks now! They'll eventually get the message if we all unite!

I have had the same problem with being charged late fees, they said I was making my payments to early and that they were posting to the previous month because they were recieving before 3pm on the billing date. I don't understand how they recieved my last payment on the billing date by 3pm when I purposely mailed it at 5pm on the billing date and I live 3 states away from where my payment is mailed to. They are back posting the payments so it looks like they recieved them on the billing date and then they charge you a late fee for not paying for that month. I mailed my check at 5pm on July 3rd and my check did not cash until the 7th and they are saying that they recieved my check before 3pm on the 3rd. Now if I dont make another payment by July 28th, they will charge a late fee. This has happened 3 times in one year. I will never bank with them again!

Did you ever consider that the check you deposited was bad and the bank could not collect the funds from the bank it was written from? Did you ask a manager to verify the funds so you could get access to your funds sooner? Finally, why would you write a check to your 401k that you knew you did not have available funds to cover? That's check kiting, and it's a crime. The bank did the right thing by putting a hold on your check and if I was a shareholder of that bank I would give their risk manager high-five for protecting me from deadbeats like you.

Wow, the same thing happened to me back in 2004. I purchase my suv on 2003. They were nice asking me if I wanted to refinance and be able to fix my credit card depts and pay off. The girl told me located in California San Bruno, Wells Fargo Auto Finance that after 6 months doing this refinance I can refinance again as long as I pay on time. My payment got bumped from 400 a month to 659.40 a month. I told myself okay pay it on time. Which I did. Come after 6 months I get declined to refinance the dayam car with them. They are liars. I struggled paying with this truck since 2004. Bought the car at 19K and it is February 2009 and I still owe 17 thousand. I've been paying for dayam interest all this time at 12%. My husband loses his job so he was under unemployment. He was on and off a job for a long time, two years. He finally just gets a permanent position in 2008 of March. So there is a lot that I have to catch up, credit cards, car payments, all the pay day loans that I had to borrow and pay back family just to be able to pay this car. They rack up all these fee's because your late. They give you a chance for defernment for two months but that doesn't do any good. I've gone desperate for paying that I had to stoop to doing pay day loans just to pay it. I've even borrowed money from family. But all those borrowing had to be paid back. They are cold hearted when it comes to helping you. I mean come on they come on to you all nice when they want some kind of business from you, and treat you dirty after they are through with you. I can't believe them. I haven't been able to pay since November of 08. They keep calling and calling and calling hassling you to pay. But I've sunk so deep that I was basically not being able to feed my family because of this car. So I decided to do a voluntary reposession. But before deciding I tried to work out with them a payment in Jan 15, $300 and Jan 23 600. I tried to cancel the 600 payment on the 23rd because I just couldn't do it, but they said they couldn't stop that payment, that they were only able to move it on the 30th of January. I said fine. A couple of days before the 30th after going thru all the bills and what I was going to get paid. I was left with 0 money for two whole weeks. I told my husband we can't live like this. We decided to voluntarily repo the car. We call on Jan 27 and the manager at the collection department name Chris was such a nasty rude person. I told him that we can no longer afford in making this payment. To please stop the 600 that was going to go thru on the 30th. I requested to cancel that check by phone payment and I wanted to do a voluntary reposession. He was so unprofessional. He said we can't pick it up. I said what do you mean? I can't request to voluntarily repossess the vehicle. He said we can't pick it up. He asked why now? You've been paying for 35 months, why now? I merely said because we can't afford it no longer. I mean if you check the history we've been struggling and for the past year we've been late all the time. I mean that question is irrelevant. He doesn't know our situation, He doesn't know what is going on with our lives how we've suffered just to make payments. He had a nerve to ask why? The only thing coming out of his mouth was 5 word we can't pick it up. Nothing more. Like he was cold and had nothing else to say but sorry for ya! He was just plain rude. I said okay if you can't pick it up I can drop it off. He said we have no where for you to drop it off. I said I would like to voluntarily repo the vehicle. He said repo is a repo. Finally, he explained that they can't repo it because I haven't hit the 90 day mark which was in two weeks. I explained two weeks? He said sell the car. I told him I've tried and no one is biting especially with the economy right now. He said you can sell the car. I explained the car will not get sold in two weeks. I see where he was going with this. They didn't want to remove my 600 payment so I wouldn't hit the 90 day mark. So they can keep prolonging it. He finally told me to place a stop payment with my bank. Which I did. I explained to my bank the situation and they placed an ACH stop payment for 600 for me. And do you know what happened. $610 dollars was deducted from my account. Chris from Wells Fargo collections knew I was going to place a stop payment. So they switched the amounts from 600 to 610. I had to file a dispute. Now I incurred a negative 600 dollars from all this. I called wells fargo and asked them why they took 610. They said it was 10 dollars for check by phone fee. I explained that I don't recall Cathy ever mentioning about any fees or I think I remember her saying that the fees was going to be waved .No fees was supposed to occur. Unbelievable. I told him if you record conversation, and monitor it then I suggest you bring it on and let me hear the conversation between me and Cathy when the payments was being set up. I even kept the confirmation numbers. Nothing was said about 10 fees and she said all fees will be waved. If that was the case my first payment that was removed on January 15 for 300 should have gotten a fee, correct? But there was none? Why now with the 600. They tried to pull a fast one on me. I placed a dispute on that 610 dollars with my bank. How dare them do that. Wells Fargo Collections are rude, cold hearted, unprofessional, no good people. Never do any kind of loans with them especially a car loan or any type of refinancing. They lie to you and cause you problems. In the end you suffer for their money making scheme. They don't care about you they only care about what's in your pocket and how much they can cause you. They don't care about your situation. They won't even try to modify the loan to help you out. I mean come on! Greedy People and Greedy Bank. Rude and right down Nasty. I will always pass this to everyone that Wells Fargo is a No Good Bank!

Exactly. We sent in 1300 to start modification process, submitted documents that Wells asked US for and the money has sat there unapplied for 18 days. And got foreclosure letters that our house will be sold in 16 days, but the modification process takes 45-60 days. EVERY time I call Wells Fargo I get a different person with a different answer. I am so fed up and don't know what to do! I can't afford to fight them and it is like they know we are the "little fish in the big pond" and keep stringing us along. Try keeping all this frustration from your innocent 8 year old child and sleep at night when you feel absolutely HOPELESS. What are we supposed to do, keep jumping through the hoops that this company keeps dangling at us? We have a 1200 sq foot ranch on a slab, not like we have some $300, 000 house that we could have never afford in the first place.

Hey I am trying to sue wells fargo for the same thing that happened to you if I need a letter from you stating the same situation with you can you send one to me. I have been gettin the run around for about 6 mths now. And now I finally went to the state senators office and hopefully will get this done and over with. my email is on yahoo at moorefamily122805 thank you.

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

Have you contacted militry one source for additional help?

http://www.militaryonesource.com

Also, contact the hope line, at 888-995-hope to speak to a housing counselor who may be able to help you work out the issues with Wells.

I have been dealing with Wells Fargo for since last July. I was asked to call in oct. After that I was told to submit application which I faxed and was never received. Of course I was surprised. I ended up submitting online and got a confirmation in second week of Dec. I also went to CCS and submitted the application via them. After calling every week, I am still in limbo and it is mid Feb already.

Every time I was told to call in every week. I was also advised by the agents that in order to speed up the process, I should not be making any payments. The agents seem to have no idea what they are talking about. it seems they are just taught to mumble anything. The service totally sucks.

The wells Fargo got tons of taxpayer bailout money for bailout but the CEO is more busy handing out bonuses or planning trips to Las Vegas.

Every step in wells fargo takes 30-45 days. And then the agent will be kind enough to tell you that it can longer and there is no specified time. What a joke? They are only intrested in delaying. A very inefficent and mismanaged process. It is the worst service you could possible expect.

First of all, take the money you were going to give to WF and find a good, reputable ATTORNEY who specializes in dealing with mortgage companies and give the money to him and have him represent you. This is the only way you have a prayer of dealing with these thieves. Many reputable attorneys offer a free consult and will ask for a $2, 500 deposit or so. Make sure they have sued mortgage companies in the past and not just trying to get you to go into bankruptcy, which may not be necessary but lawyers love it as it is an easy buck for them.

Do NOT talk to WF on the phone any more because they will not honor any agreement made and will have a different story every time. DO NOT sign anything that WF sends to you. DO NOT pay WF any more money because there is no guarantee that this will actually bring your mortgage current because they will just be tacking on late fees and God knows what else. They want to just drag this out so they can foreclose as quickly as possible.

As bad as lawyers can be, WF is THOUSANDS OF TIMES WORSE. We have a lawyer now because WF has done the same thing to us and I could kick myself for not getting one earlier.

Good luck and remember--Wells Fargo will not lift a finger to help you and, in fact, will go out of its way to foreclose. The only language they understand is litigation.

I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.

I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.

Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?

That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.

I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?

That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?

I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.

I bought a vehicle financed through wf june 2007. They had my cell number and my employer's number, which was my boss' cell phone. In the first week I started getting restricted calls 4-5 times a day on my phone, which I didn't answer. I was working. At the end of the week my boss called me and said my bank had been calling him repeatedly trying to get a hold of me, but wouldn't leave a callback number. Embarassed and extremely angry I answered the next blocked call I got. It was wf. When I asked them why they were harassing my employer, they apologized for the inconvenience and informed me that we need to conduct a mandatory follow-up customer service survey... I said, I'm sorry... you annoyed my boss for a week over a survey? I was about to explode! I began to tell them how I felt about what they had been doing and they quickly hung up on me. Of course, I still have no call back number... That was in 2007. As of today, I've been laid off for a year. Haven't been a second late on 1 payment yet until today. My car payment was due yesterday. I answered a blocked call today, and when I asked who was calling with a "personal business matter for me" they immediately hung up. My dad, (same name) called me about 10 minutes later and said that my bank had just called telling him he was a day late on his car payment. Of course his expressing his opinion led to them immediately hanging up on him. I checked my bank acct online and they received my payment some time today. Not 24 hours late, and they were calling. I spent 2 hours on the phone today trying to talk to just 1 person there about this. As soon as I told them why I was calling, they hung up on me... every one of them. I'm starting another job next week. My first priority - get the hell out of that loan and never deal with Wells Fargo again as long as I live.

I'm stuck with a 16.67% interest rate for a vehicle that is 6 years old. I'm sick and tired of this company. I would NEVER, even if my life depended on it, recommend them to ANYBODY . They have called my house twice.. if I don't answer, they'll call my cellphone..if I don't answer my cellphone they'll call back with their number blocked. Now they're calling and I answer, they hang up. They've called my place of work 10 times this week ( it's only Tuesday) and have hung up all but 2 times. The last time I told the guy when I'd make a payment. He said he'd post it to my account. Half an hour, my husband calls me from home to tell me they called our house and hung up on him. Then not even another half hour after I talk to my husband, they call my work and hang up again. So not only is it downright annoying that they call every single phone number listed on my account, multiple times a day.. 9/10 of these calls are hung ups from them. I'm 3 days late on my payment. My payment is due the 19th, and the 28th is when I get a late charge. WHY are they calling me? Why don't they wait until the 27th-28th to call and let me know about my late charge? Just last month I had to pay $68 in late charges. They start calling me the day after my payment is due..and don't stop until it's fully paid. I know my payment is late..I understand that. But I cannot make a payment if I don't have the money. Because of them, their harassment and outstanding late charges..I am now 3 weeks behind on my mortgage payment, and utilities. My credit has went from Excellent, to poor in a matter of months.

Wells Fargo can kiss my ###. It's hard to enjoy a "new" (to me) vehicle...when you look at it every time to go to drive it and feel nothing but hatred towards the lender.

I am in the same boat as you. I was laid off for over 3 months. Even when I make a payment they continue to keep calling a lot. Even more than discover card. Slowly I am paying back the back payments now each month.(they are not the only one I am behind with). The calls do not seem to stop. I wish I could refinance, but with bad credit right now, that is impossible. I can not even really let them take the vehicles, The difference from what I owe to what they can get is still to big. They would still come after the difference. Hopefully I can get the vehicles payed off with a lot of overtime.

I am with everyone. DO NOT RECOMMEND WELLS FARGO at any time. If times go bad they will be your worst enemy.

BUYER BEWARE...DO NOT USE WELLS FARGO AUTO...

I was told that I had a 10 grace period when I first opened an auto loan with Wells Fargo, however that was a lie. The collections departments starts calling OVER AND OVER AND OVER after two days being late. I had a 10 grace period with Toyota and they NEVER did anything as silly as this bank. I would have given my business to someone else if I had known the kind of liars these people are.

I am looking now to find another company to refinance with because I cannot deal with Well Fargo and their foolishness.

Unfortunately I am stuck in the exact same boat that you were in. I just don't have anyone that I can move in with or have anyone that I can borrow money from to get caught up. This company is a joke and will NEVER recommend them to anyone!

It is now 12:43 pm Sunday March 22, 2009. I have already recieved my 6th phone call from Wells Fargo. I had spoken to the caller on the 4th call but they still are continuing to call my house and family members. I refuse to change my home phone number because of this! This constant calling is adding ALOT of stress on my family! Don't ever do business with them! BEWARE!
Dani... Ohio

WFF would only call your family members if you defaulted on a loan, so maybe you should make sure you do not have any late payments or anything like that first.