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4.4 7548 Reviews

Wells Fargo Complaints Summary

624 Resolved
1094 Unresolved
Our verdict: Engaging with Wells Fargo, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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12:59 pm EST
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Wells Fargo problem with home mortgage

Me and my wife had decided to refinance with Wells Fargo in the Corpus Christi area. This was a few months ago when interest rates were low and we were going to refinance for around 5%. We submitted all out paperwork and we were told that paperwork was taken care of and that we would have to wait around 80 days or so, due to them processing a large volume of loans. I then recieved a call from a Wells Fargo representative that stated that the individual who was working on our loan was terminated and she never submitted our loan and would have a new interest rate at 6.75% I was very upset and asked if they could uphold original percentage, and I was told that I would have to wait untill rate dropped that low again. I informed her that Wells Fargo had a moral obligation to uphold original agreement, and lady stated that they would agree to original agreement only if loans were to drop that low again. I then called Wells Fargo's direct line for quality control to file complaint, but was given several different number and spoke to supervisors who stated that they could not help me. I made the mistake of trying to refinance with Wells Fargo and I am going to pull all my money out of the bank and go with someone else.

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IvyK
Staten Island, US
Jul 31, 2009 11:43 am EDT

They forgot to do appraisal when they try to schedule a closing date. The loan officer J from Staten Island office made this mistake and delay the closing for the customer.

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ted phillips
Sparks, US
Jun 04, 2009 4:30 pm EDT

We recently had a home on the market. Due to economic conditions we were behind on payments to Wells Fargo. In April 2009 we had an offer and contacted the customer service people at Wells Fargo for an estimate of the payoff to make sure enough would come out of the sale to take out Wells Fargo. We were told the payoff was $187, 000.00. I contacted the preforeclosure people (who had been bugging me ) to inform them. I asked them the approximate payoff and was told $187, 000.00. The house was in bad shape and being sold "AS IS". The appraisal came up short and the deal died. In May 2009 we had a cash offer and I again contacted Wells for a new balance which was $188, 00.00 good through May. At settlement with the cash on the table we were presented with the official payoff of $204, 000.00. This resulted in our having to come up with $5, 000.00 to sell the house. We contacted Wells and talked with a Ken and Ashley (who was very nasty) and got no relief. The young couple buying the house had moved to our area from Alaska to be near Johns Hopkins for care for their baby who has a rare disease.They did not have the time to go though the B S that Wells requires for a short sale. Through some additional effort by all involved in the sale our net loss is about $2300.00. I can tell you that as a 66 year old cancer patient on Social Security I am not worried about my credit rating ( I don't expect to buy a casket on a credit card ). I f I had not met this young couple and realized the urgency of their needs I would have let the proprty go to foreclosure which probably would have stuck Wells Fargo with a $30, 000.00 to $40, 000.00 loss on the deal. It would serve them right for all the grief they caused but alas the big guys win again. It will take about a year and a half for me to pay off the $2300.00 if I'm around that long. Spread the word on this every chance you get .I will in my small way.

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3:52 pm EST
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Wells Fargo mortgage predatory practices

Wachovia Mortgage / Bank (Now owned by Wells Fargo Bank) rips off people two ways. First by introducing their own made-up index (COSI). Secondly, by adding an unreasonable margin. This combination results in rates higher than any index (sometimes 4-7% higher than Prime). As a matter of the fact, this practice results in an interest rate higher than most Equity Line of Credit. And even after Wells Fargo Bank has purchased Wachovia, they are not willing to address this issue. The impact of high interest and neg. am. could be devastating. And it could result in missing payments and possible foreclosure. Wells Fargo Bank needs to do something about this by providing a fixed interest rate and lowering the adjusted principle due to negative amortization.

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Paul
, GB
Feb 13, 2009 1:32 pm EST
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I've also suffered from the secretive way Wachovia makes up its COSI rate. It is now about 3.5% above prime rate. They refuse to give any meaningful breakdown of how they calculate the rate. Is there any kind of class action which can be taken?

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8:43 pm EST
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Wells Fargo fees

I recently received a letter from Wells Fargo Financial stating that they forgot to charge me a convenience fee in July and August and it would be on my January bill. That is ridiculous and almost six months ago - why now? because of the economy? b.s. If it is true, which I do not believe it is, they should just take the hit for it and not come after the consumers - if they do it to me they are doing it to hundreds of other people - guess how much money they are making off of that one letter alone.

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JustPassinThrough
, US
Jan 27, 2009 8:52 pm EST

Wait until they cancel your card and say "If you want to be a customer we will send you a nice card with the picture of your choice or you favorite sports team on the card as well as a brand new introductory post bail out percentage rate of...35%. So sign up. We love your perfect credit rating and are only offering these rates to the "special". (This really happened and it will happen more...this is what the banks did with our tax bailout and our leaders are hiring those same people and GIVING THEM MORE...no wonder people bury their money and sell their perscription drugs. Who can get ahead?...lmao...the confirmation security code for me to type in is. 33DEA...no REALLY it is...lmao...ok the "selling perscription drugs is a metaphor ok...I "heard peeps do and this is just MY OPINION?" I have to continue the joke because of the code. I like to write things to peop[le, to vent...I read it, then delete it. It's therapy. Try it sometimes...it works!

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7:39 pm EST
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Wells Fargo fradulent activity

I have two credit card accounts with Wells Fargo that had fairly high ceilings -- $8, 000 and $3, 000 with a 16.5% interest rate. I kept the balance at zero because I only wanted to use the card for emergencies. However, two different Wells Fargo affiliate offices contacted me and suggested that I transfer other high credit card balances and interest rates to the Wells Fargo card because in the long term I would save money. I did just that -- I transfered credit card balances to my Wells Fargo cards. Now one card is maxed-out at $8, 000 and the other card has a balance of $2, 500. In less then two months after I transferred my credit card balances to Wells Fargo, I received letters from Wells Fargo stating that the interest rate increased to 21% for both cards. No wonder banking in this country is a fiasco -- greedy bankers and unethical practices. I have no alternative except to concentrate on paying off these two accounts and closing them as fast as I can. I will never do any banking with Wells Fargo again. I have lost all respect for that corporation.

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JeremyL.
Milton, US
May 16, 2010 1:18 am EDT
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Wells Fargo stole 13 billion dollars in assets from the people!

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zacox
Palo Alto, US
Jan 25, 2009 9:35 pm EST

Carefully check your agreement with Wells Fargo, including all the addendums they may have sent you over the time youve been their customer. Federal law states that they must notify you of changes to your agreement at least 30 days in advance of the change, and that you have 30 days after the notification to refuse the change.

When you refuse a change to the terms of your account, you are technically closing your account. You still have the right to make periodic payments on the account and you do not owe the full balance immediately, so long as you aren't over the limit or late on any payment. You also cannot use the card again for any reason, because the bank will interpret that as you reopening your account and you will have then agreed to their change.

None of this may matter, though. Most banks that issue credit cards made changes to the accounts several years ago and tied the interest rates to certain indices, where when the prime rate changes, your rate changes with it. Most card issuers also reserved the right several years ago to change the spread (difference between your rate and their chosen index) when they perceive you as an increased credit risk, or if you miss payments or go over-limit.

My advice to you is carefully read your card agreements including all the amendments they have sent you over the years. If you find that they have raised your rate legally, you would certainly want to pay down your most expensive balances first. You may also want to contact them to ask for a reduction in your rate. Most companies will reduce the rate in order to keep payments coming, rather than risk being cut off.

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12:43 pm EST
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Wells Fargo fraud and lies

If you have an account or thinking about opening one with this bank. Get your money out. There is no room in this country for a business like this to exist. They unscrupulous, unethical, unprofessional, unaccountable in their business practices. This behavior is unacceptable.

Like many others I, too, have had problems with fabricated overdraft fees. transactions being done twice. Accounting entries and practices are wrong and improper (If not illegal). Trying to deal with Wells Fargo on these matters is a joke. I had an instance where I saw a transaction that was posted online removed. I call the 800 # They say its there. I ask for them to contact the online dept. to have a three way conversation and they say they don, t have the capabilities to do that. Nor would they look into it. You will never get 2 people together at wells fargo if you have an issue. It would mean accountability on there part.

Trying to decipher their policies regarding deposits, holds, accounting methods is as difficult (if not more than) as trying to understand the unintelligible double speak they use to explain it. When cornered they won't talk to you.

Wells Fargo will finally have their day in court, as there is a class lawsuit pending against them. I have read the papers that were filed and while I do agree with them I still have other issues I want addressed and am seeking counsel to help with this.

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Chazmania
, US
Jun 20, 2011 5:03 am EDT
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LOL perfect! ... i have traveled around the world and met all kinds of people that don't park themselves in a corporate cubical and stare at the wall of it and then just justify the fact that they are really chicken ### to do anything but pay and obey..oh yeah you have your little ducks in a row and your little "nest egg" and you can remain a narcissistic American that does nothing for the larger world. oh i know your type and how you think and your myopic view of things is all their is. NO one will ever write a book about your adventures becasue you don't have any..your safe secure in your decorated gilded cage.. you buy the big lie the financial propaganda sold you. repeat the same rhetoric and yes mindlessly...and then indulge yourself in the cultural narcissism they packaged up for you...I bet you abandoned all your dreams to be safe, talked yourself out of them stuffed them away under mounds of BS justifications...Your a good citizen/slave and ultimately clueless...and your denial of the financial criminality that causes world wide suffering can be rendered irrelevant as long as you make sure you never examine it..lie to yourself and bury it...this way you can go on guilt free indulging in the American narcissist dream...to sum up a Drone

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Chazmania
, US
Jun 20, 2011 1:30 am EDT
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perfect proof of my point...systems drone..mindless numbed and obedient drone...go lick your 401k wanker!

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Chazmania
, US
Jun 18, 2011 10:05 pm EDT
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Most banks do this most banks do that...they change the rules so that they can manipulate things behind the scenes..your another banking shill and part of the systemic problem of legalized sanctioned thievery...your a drone to the system that is perpetual designed to skim off profits for "investors" the banking Industry is a MAFIA that exploits the weakest people and is by that definitions despicable...corporate cubical zombies dedicated to supporting the system that indoctrinated you into servitude...abandoned ethics and humanity to profit off the suffering of others..and here you are justifying and excusing it all becasue its been written in the "policy" Obey the authority even when the authority commits acts of fraud as long as they have a title or certificate...Wells Fargo as far as i am concerned is a criminal organization as most mega banks today...I will never do business again with them...go peddle your corporate propaganda elsewhere...we are all sick of it!

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Joe Jackson
Riverview, US
Jun 17, 2011 6:05 pm EDT

Well Fargo, the Bank of Lies
Are you in the process of a loan modification with Wells Fargo? I'd like to share my story and I'll bet many are being treated the same by Wells Fargo(WF).

My partner and I are disabled and living on a fixed income. We had a large investment account that was managed(mismanaged) by WF. We paid our mortgage on time for many years but due to the economic downturn, our stocks dwindled. Realizing this we turned to Wells Fargo to begin the modification process. We submitted all papaerwork asked of us in a timely manner but whenever we asked the status of our modification we were told that paperwork was not complete, they had not received the requested paperwork or that we would have to wait 90 days to receive a response. The outcome was always that our case was rejected After eighteen months of this we hired and attorney. Within two weeks of that we received a loan modification amout to pay. We were to pass a three month trial period in which our payments must be received by WF before the first of the month. We were told that after the second month, we would receive papers finalizing our modification. Three months passed and we were told to keep making payments until told otherwise. Two more months passed, WF requiring updated expense reports, bank statements and an updated hardship letter. We complied with all requests in a timely manner(all communication between us and WF went through our attorney) but were rejected because we didn't file the documennts requested in a timely manner and had too much unsecured debt. Our lawyer kept accurate details of contact with WF so the first reasom to reject us was not valid. The second was also not valid since at WF "suggestion" we declared bankruptcy. We had been told that in order to qualify for a HAMP program, we needed to get rid of our unsecured debt somehow. That seemed like bakruptcy was our only option. When we approach our attorney, we had completed the bankruptcy and all debts were discharged.
We were told by WF that the reduced modification amount we had during our trial period was no longer valid but they had their own modification program. Basically a bait and swich in that our monthly payment was only $150 lower than the original payment and did not include escrow where the original modification did and was much lower. Also they were so kind to tack on all kinds of late fees and fines to the original loan amount. Of course, any payments that we had made during the trial period were not deducted from those amounts. Our attorney suggested that we stop making payments to WF and force mediation. Our mediation date is scheduled for June 24, 2011. I don't have any great expectations given WF history of deceipt. I believe that we will ultimately have to take WF to court to get this resolved.

I would like to urge all others not to just leave your home. Get an attorney and fight. If enough of us little guys fight back we will win. We must win. Remember David and Goliath? Ask your mortgage company to produce the note saying that they own the mortgage. I'll bet they can't since most mortgages are sold and resold.

I also urge that if you're having a difficult time paying your mortgage, under water with your mortgage, stop paying. Send these leaches of society, the banks, a message.

Lastly, I urge anyone that is disabled for any reason and is in the modification process to consider that WF is discriminating agianst them by delaying things in order to wear them down and thus have to do nothing. WF has a long record of discrimination on the books. I believe that WF is certainly capable of discriminating in this case. If you believe as I do, please contact me at shoelessjoe655@aol.com

Thanks,

Joe

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M.E.316
, US
Jan 09, 2010 1:44 am EST

The people you write a letter to are their legal department. Tell them how much of a pain in the ### you will be (with specifics, i.e., write your journalist friend or post on Web pages and about the complaint you will file with the attorney general - which is very easy to do online).

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Chazmania
, US
Dec 28, 2009 4:08 pm EST
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I was also a customer!
I was taken in by the little wagon and horses! so California!
But when i had an overdraft problem i canceled the card and gave them a check to cover the cost then they did some automatic transfer and the amount went overdraft due to THEM! then a fee for that on top of another overdraft fee!
but sins they kept piling fee on top of fee i could never catch up and had to feed myself and pay bills instead! after going round and round with there drones called customer service representatives i got more and more angry at there denial and art of ripping off people!
I told there drone on the phone this is exactly why i want to be out of there bank and never do business with them again!
I had told them to cancel all accounts and they just kept telling me they would not and kept taking on fees! and i was to keep paying fee on top of fee! they lie and they cheat and they are trying to steel money right out of your pocket!
Why do they think this will endear them to anybody?
Or is it that there corrupted culture is so ingrained in them that they cant see what they have become!
DO NOT DO BUSINESS WITH WELLS FARGO ON ANY LEVEL!
YO WILL REGRET IT!

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AniOR
Central Point, US
Nov 30, 2009 7:46 pm EST

Happened to me too (excessive OD fees and ridiculous WF excuses why they personally cant assist you) ~ the first couple times I just dealt with it ~ then the last time I took the info down to the Branch, explained how the charges were incorrectly hitting my account which is causing the O/D's ...the Branch Manager said she didnt have the authority to change anything ~ even tho all I was asking is the extra O/D fee's to be removed and how I could prove with receipts ect and even the shops deposit records that WF was posting the charges incorrectly. When the branch wouldnt do anything about it ~ I scanned all the info and sent to the customer service contact given to me to contact. This is what I got back

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Overdraft and Return Check fees are posted to your account on the business day after the actual overdraft occurs.
In reviewing your overdraft fees, I found that although you made your Check Card purchase at xxxx for $8.25 and $5.75 on 10/16/2009, xxxx did not present this transaction to Wells Fargo for payment until 10/19/2009.

(more blah blah blah on how its not THEIR FAULT etc ... but note I never said it was or wasnt their fault I was asking that 2 of the 3 O/D charges be removed because I could prove with receipts that their was funds in the account at the time of the charge...but Nooooooo they'd rather lose a customer than lose their precious extra fee's and predatory income they sooooo rely on ...all Ive found are bad reports on Wells Fargo ~ so never again with me and Im telling everyone I know how they treated me...the letter continued)

At your request, I have closed your Custom Management Checking account effective today.
We realize that in today's environment, customer service often becomes the deciding factor when a customer chooses a financial institution. Wells Fargo is truly committed to coming through for its customers. ( Yah right~~!) Our goal is to continue to meet and exceed your service expectations. (If that was so a simple ~ removal of excess fee's wouldve been the answer!)
We are sorry that we failed to meet your expectations but hope you will allow us the chance to serve you again in the future. (Again ~ Never again! EVER!)

BOY COTT WELLS FARGO until they change their policys

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4:51 pm EST
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Wells Fargo customer service

There phone line is awful! You can not get a person on the phone no matter what you do! My husband and I have been trying to get through for days and we have just been disconnected over and over and over again! What kind of customer service is that? Awful! I still have yet to get through! Who is going to answer my question!?

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Skrewedblued&tattooed
Fountain City, US
Aug 30, 2010 4:51 pm EDT

Wow, I'm here because I have lost my home. EMC kept raising my payments until I could no longer make them. Now they are threatening to take me to court after their business practices were deemed ILLEGAL by the FTC. Anyone know what to do to get these treasonous monsters off my back? Hope they're enjoying our money from the bailout. We should have just let them collapse, thanks to the U.S. Government for turning your back on the American people.

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yet another violated emc customer
los angeles, US
Jun 29, 2010 6:17 pm EDT
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@ Wws1980

It's so obvious when you, an EMC employee, posts here. Don't you have some distressed homeowners paperwork to shuffle around and lose again?

For your information, this board is for sharing info. and experiences about people and companies like you. EMC is a sub-prime lender. By definition that means they are a bottom feeder of their world. They took advantage of risky borrowers, like many unregulated lenders, when there was absolutely no regulation on loans that should have never been submitted, let alone approved. EMC was able to get borrowers approved who should have never been approved. More importantly, the issues now are that they are not servicing any modifications, even though they received a monumental bail-out (from borrowers tax dollars) which Chase has still not paid back. There’s also the issue of hedging bets and whether EMC bet against their own loans, which it seems they did. Can you answer that question? If EMC is so standup then why did they bet against their customers as has been documented?

While you sit in your little cubicle monkey cage, cherishing your new call service center temp. job, try to take a minute to ponder what you stand for and who you really are in our economy. Someday you’ll probably need help from a creditor or lender. I would suggest doing unto others as you would have them do unto you.

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Wws1980
Springfiel, US
Jun 29, 2010 5:23 pm EDT

What if everyone just paid their mortgage? What if people were not stupid and agree to interest only loans or ARM loans? What if people didn't lie about their income so they could get into a house they can't afford? So you all think you get to decide what you should pay after you signed your contracts? You all think because your property lost value you don't think you should pay back the amount you actually borrowed? What the hell would any of you do if you loaned someone 50k but 2 years later they said b.s. I'm only paying you 2k back because I got a divorce or my husband doesn't have a job? Get out of the house if you can't afford it! It's not the banks fault, or obamas, or wall street! Who f'ing forced you to sign that loan and buy that house? Quit typing sob stories on the Internet and find a f'ing job!

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lb2yanks
Floral Park, US
Jun 21, 2010 7:19 pm EDT
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Everything is 100% correct. I think they are scam artists. I have been trying to get my loan modified for the past ten months. All they do is take your money, keep telling you to send the SAME documents over and over, because they cant find them. How can so many people be having the same problem. There must be some kind of recourse we can take to file a civil action suit against this company. They paid out 28 million dollars in 2008 and said they were going to play fair. It seems they are back to the old ways at EMC, taking advantage of people that just want to stay in their homes!

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RCA123
San Diego, US
Apr 12, 2010 10:20 am EDT

Try almost 3 years trying to get help; I am current, but now have run out of savings to keep up---class action-okay with me. They wait for docs to expire...it is what they do best-

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wamphyri
Nonyourbusiness, US
Feb 16, 2010 1:17 pm EST

[protected] EMC Keep hitting 0

[protected] Chase loan modification

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SHADY MORTGAGE - EMC
San Diego, US
Jan 11, 2010 1:25 am EST

WOW. All the comments made on this site are 100% dead on. I have been a home owner for 11 years and worked in the mortgage industry as a loan officer for 2 years. I have never seen such poor performance, bad customer service, third world phone access and unorganized business processes. For over 1 year, my wife and I have been trying to obtain a loan modification. We have faxed over documents (same documents) 5 times and have gained no ground. We have made our payments on time and we are up to date on everything, we never get a solid answer. It is left up to us to call or send an email via "secured web site" to find out the current status on the loan mod, only to find out something has expired and they need more documents faxed to them. My advice, keep track of all your conversations and emails, track them because they are doing something shady and the right officials have yet to catch on. This has class action lawsuit written all over it. Just need a person that is experiencing the same issues and is an attorney or has connections to get the process started.

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richard hash
Mayfield, US
Dec 01, 2009 4:56 pm EST

We have been trying to get a loan modification for several months, we have made our payments on time as the asked, buy nobody has contacted us to discuss the loan modification or any other options .

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sunshine22
, US
Nov 23, 2009 4:48 pm EST

I to had the same problem but I did find a number and got to speak to someone that helped me with the problem.

[protected] ext 7377

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angiemcp
Brooklyn, US
Nov 19, 2009 1:46 pm EST

I am having the same problem with my loan modification application. I have been repeatedly sending in the same documents for 6 months now and they still are requesting the same information. Their customer service reps are very rude. If anyone is interested in bringing this to the attention of the Attorney General please let's get together now to stop these crooks.

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Wells Fargo unfair business practices

Was notified by Mortgage company that our house was no longer considered in a flood zone & flood insurance was optional. Received multiple notifications from Mortgage company after this that we had insufficient flood insurance coverage & they were attaching an insurance coverage with payments to be applied to our mortgage. Made multiple calls to Mortgage company over 2 month time period. 6 weeks after company assured me that they would not attach flood insurance to our mortgage found that they did. It took additional phone calls to Mortgage company to try to resolve. Still unsure if issue is unresolved. Supposedly they are investigating issue. Have concerns regarding sloppy business practices of this company. In addition this mortgage company receives a kick back from insurance company for any policies they assign to customers. Question if this is ethical and is the company guilty of fraud.

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M-E-G
San Antonio, US
Dec 05, 2011 4:01 pm EST

Thank you to all those who have posted. Wells Fargo is bad news. My sister lives in Acworth, Georgia and has nothing but complaints about Wells Fargo.

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astoria1
Clatskanie, US
Dec 03, 2009 8:01 pm EST

My story is the same, but the difference is that I have been given a new modified loan through the loan modification dept after a year and a half of rudeness, harrassment, and lies, not to mention constant repeating the same story over and over to customer service reps from every state in the union...

The Modification Dept namely the person that supposedly worked personally on my modification STEPHANIE ID # OZ8 said that I didn't send in some important paperwork. She then (without notifying me) canceled the contract that was already signed with the new agreement, the amount of payments behind put at the end of the loan, new % rate, and lower payment that was due Dec. 1, 09. The reason was for not sending in a faxed copy of my divorce papers and a $331.62 payment for costs. Stephanie said that the $331.62 was waved because I told her that I just couldn't afford it at the time. This was in November.. I did send in the divorce papers within minutes of speaking to her. I have proof of the fax and tried to tell customer service that I had sent in the fax of divorce papers and that the $331.62 was waved by phone with Stephanie. I have since sent in a money order for that amount and have sent in the proof of the date that I sent in the divorce papers. It's a good thing that I kept excellent records through all of this !

I was notified after the fact of all of the above that now my home was in foreclosure for not submitting the copy of my divorce...and paying the $331.62 to complete the entire process. I was sent a letter from a attorneys office and talked with the person handling my case. She said that they would be putting the home up for sale in 8 days!

I called H.O.P.E. and had a agent by the name of Ruby go on a three way call to help me get through to someone that could clear all of this up. Remember...Wells Fargo has all of the documents (they found the copy of my divorce papers that I sent and told me to send in the $331.62 to get things back on track...

Loooong story short it is now Dec 3rd and I don't know if I have it straightened out or not//////I was on the phone today for over 5 hours and I still don't have a yes or no answer from anyone there!

I have the money for my first payment that was due on Dec.1 with the contract, but I can't get a answer if I still have it or not...

FOX NEWS and a CLASS ACT LAWSUIT IS IN ORDER for all of us that are being put through this needless harassment and unnecessary emotional trauma. GIVE US THE NUMBERS TO THE PEOPLE THAT ARE HANDLING OUR CASES ! THEN GIVE US THEIR SUPERVISORS NUMBERS...We are all out here losing our homes one after another...Going through the same treatment from your company...andyou are just using the customer service workers as a wall to protect your sorry ###...

If anyone wants to contact me my email address is astoria_jan@yahoo.com I will gladly help to pursue any action necessary to help others out there in my situation. A few thousand of us could make quite a stink using the media...! Fox News would love this story, I'm sure...

Best Regards, Janice L Brown

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kennedy22
Weatherford, US
May 21, 2009 12:04 am EDT

I am in the same situation with Wells Fargo. It's odd that I read this because they are doing the same thing to me, but I was told to submit my information to the Loss Mitagation department. Come to find out I haven't had my mortgage for a year, therefore we don't qualify for any assistance. Why didn't the determine this before they started the process. This has been going on for atleast 4 months now. I haven't received any notification that I didn't qualify for the modification, but when I contacted the customer service they told me that I didn't qualify. It took them four months to determine I didn't qualify for a loan modification. Your kidding me right. I was laid off after trying to go back to work after having my son, and shortly after my husband was laid off. I do not qualify for unemployment because I was a contractor in the Oil and Gas business. I contacted Wells Fargo again today because I was told I would possibly qualify for the 3 step refinance program, and then once again today was told I didn't qualify for that either. The customer service representative that I spoke with today was very rude. Basically told me that I had only had my loan for 5 months, therefore I could never afford my loan in the first place. I was very frustrated and irate that this would come from her mouth. Who was she to judge me... I have been getting the run around on this home assistance program for the last three months. I do show we are in the loan modification progress on the internet home assist website, but why am I being told differently when I call customer service. If I was unable to afford my loan why would wells fargo approve me to purchase a home in the first place. I was told today that I would have to bring my monthly payments up to date before I could apply for the 3 step program.. In my opinion, home assist means helping those in need in tough times. I do not feel that this is Wells Fargo's goal at this point..

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Paul
Tallevast, US
Mar 26, 2009 11:21 am EDT

QUOTE FROM ANOTHER POST: " Worst customer service I have ever experienced, unprofessional, incompetent and unexperienced loan officers"

THAT DOESN'T EVEN BEGIN TO COVER THE HALF OF THESE LYING THEIVES PROBLEMS!

I called MONTHS ahead of problems I forsaw concerning money and my payments on the house... I can't even begin to desribe the shabby, unprofessional treatment we've suffered at these clowns hands.

They are hands down the biggest liers and untrained people I've ever encountered in the business world.

Their reps will say ANYTHING what so ever to make you think they are helping you when in fact they are just jerking you around with no intention what so ever of actually doing anything to assist you.

I personally believe this is done to make it appear to the goverment agencies that they ATTEMPTED to help you... this then covers their ### for taking the bailout money they were SUPPOSED to use to help distressed homowners with but instead used to buy other assets to build their own business worth!

We made literally DOZENS of calls to them and got nothing but one run around after another:

Told the previously submitted documents had been lost no less than 10 times.

Were connected to the wrong departments over 3 dozen times when calling.

We even had one little jerk submitt a Loan application against us when we were only trying to contact Loss Mitigation to try to work something out?!
(Please note, due to being transfered to the wrong people SO many times before I asked the little jerk no less than 3 TIMES, POINT BLANK, "ARE YOU WITH LOSS MITIGATION?" AND WAS TOLD 3 TIMES POINT BLANK, "YES, YOU ARE IN HE RIGHT DEPATMENT".
He then proceeded to make me give him all our financial info yet AGAIN, for at least the 10th time, taking over an hour to give it to him,
THEN he tells me "Sorry, they have declined your loan application."

I about had a seizure from the anger he caused me after realizing what he had just done.

These people are the most poorly trained and least skilled Customer Service Reps I have EVER DEALT WITH.
I'm fairly certain they are being told something along the lines of " Take the call, the more volume we generate and show, the better defense we have to show we are trying to help people. Of course DON'T actually do ANYTHING that actually helps anyone in trouble!"

IT'S UTTER ###, plain and simple.

We are giving them ONE LAST SHOT to negotiate in good faith on this loan modification request and if they screw it up or jerk us around in any way this last time that's that, we are filing Bankruptcy and letting a freaking Judge set them straight !

I'm sick of dealing with their dishonesty, dirty dealings, and total lack of knowledge about what it is they are supposed to be doing here by the fact they took Goverment bailout money, which was in fact given to them to AID distressed homeowners, not jerk them around!

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Wells Fargo will not modify arm mortgage

Have called and written several times about wanting to convert my arm mortgage to a fixed rate mortgage with a lower interest rate as am now at 8.75% interest on the first mortgage and 11.9% interest on the second mortgage, and ASC will not do anything about it, they just tell me to go to foreclosure, sorry. No wonder there are so many foreclosures! The banks are forcing them, and then they turn around and get $350 billion from the government because of "foreclosure" problems! So Congress is financing the banks so they can do foreclosures! As usual the individual taxpayer is left without anyone to represent him in government. there are still 20% of all mortgage that will go into foreclosure, soon the whole country will be poor and the banks will be rich! What can we do to get someone to go to bat for us against the banks?

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Wells Fargo wells fargo

Don't ever open an account with wf! They suckered me into opening an account, because my employer had an account with them. My employer began to deposit my checks into my account. These ### hold my check, and bills do not get paid. I am spending the entire weekend on $4! They have caused my car note, credit card payment, and cell phone to be late. They are ruining my weekend, and now my credit. I never overdraw on my account. My old bank, compass bank bbva was solid, and I never had a problem with them. Compass is a smaller regional bank, and their service is far superior over corporate wf. The best bank was when I lived in texas, woodforest bank of texas. Open 24 hours, and all deposits posted immediatley.

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user1641512
, US
Feb 26, 2017 7:10 pm EST
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Wells fargo is fraud plus they invest in dapl which is actively participating in genocide

WFHMdestroyer
WFHMdestroyer
, US
Jan 02, 2016 6:35 am EST
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I have been paying on a fraudulent Wells Fargo mortgage for more than nine years now. The story is so long and depressing, that there's not enough band-width here to write about it all. To make a long story short, I signed a 30-year fixed at 7.375% with a $63, 700 down payment in late '06. I received a letter in November of '08 stating that my 28-year a.r.m. was about to begin in 1/1/2009. I disagreed and opened my original packet only to find a completely fabricated, forged stack of documents, including a fabricated note, which I have numerous copies of now from W.F. and the crooked agents at Western Title. A [censored] bag attorney for W.F. in Des Moines, named Terry Rains, continues to insist that "no error occurred" in response to my complaint against W.F. through the C.F.P.B.. I disputed Wells Fargo's response and called them out on their undeniable fraud and lies in a seven-page dispute which I sent back to the C.F.P.B.. I have now created a 65 to 70-page packet of documents exposing the entire fraudulently fabricated mortgage-documents. There is only a robo-signer's initials on one fabricated document that remotely ties Wells Fargo and Citi to my so-called mortgage. There is no signature on ANY of my documents from an authorized agent nor is there a notary signature or seal to be found on ANY of my mortgage papers. I am also not in default.

The useless county sheriff's department received the first packet. The second packet I hand-delivered to my local F.B.I. office (worthless). The next will go to the Comptroller of the Currency, another to my congressman, a copy to the state attorney general and finally the office of the President of the United States.

I'm not f-cking around with these crooked pieces of sh-t anymore. Including my $63, 700 down-payment, I have given Wells Fargo over $225, 000.00 over the past nine years. Come to find out that only $9000 has been put toward the principle on a home that is worth $50, 000 less than my break-even point. This figure does not include the $151, 000.00 in interest they have screwed me for.

What's more, is that my mortgage was immediately bundled and sold off to Citi in early 2007 which I recently discovered. The trust: CMLTI 2007-WFHE2 M7, is the Citi Mortgage Trust which the mortgage supposedly belongs to and it's been sued for fraudent mortgages and illegal foreclosures, and sued for selling bad securities to Allstate, Ann Arbor Pension Fund, Symoniac vs All Banks and various other for fraud. Hundreds of millions in settlements paid out to investors in class-actions against the trust.

So far, the trust has not been able to produce an original note and U.S. Bank is trustee and they have nothing to say. The last 10-k filing the trust produced was March 31, 2008. Therefore, the trust has not been valid since at least that time and I firmly believe that Wells Fargo has been cleaning me out on a fraudulent debt on behalf of the Citi trust which is no longer a functioning trust.

These bass turds have been scamming me for tens of thousands, for years, knowingly servicing a fraudulent debt. The FDIC and the 2008 government bail-out likely satisfied the settlements, especially since the last filing in 2008.

Getting this case in front of a judge who isn't being paid off, is apparently next to impossible. A fraudulent debt on a fraudulent mortgage with a fake modification thrown in the mix. Wells Fargo already knows that I'm not someone whom they want to anger because I promised them that I will do everything in my power to expose their fraud, make them pay and I will screw them back and destroy their reputation wherever I go until my last dying breath.

In short, it would frankly be quite satisfying to burn their stage coach, free their horses, then hang each and every one of the f-cking sh-t bag Wells Fargo employees and bankers.

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bzak40
Cedar Ridge, US
Feb 22, 2013 12:17 pm EST
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My grand mother died and her sons sold her house for 110, 000 it appraised at 140, 000 I already had a loan on a different property at Wells Fargo for 68, 000. My in come at the time was 29, 000 a year.and I had 10, 000 in credit card debt.and a home improvement loan that I could use for improvements that would max out at 40, 000. I wanted my grand mother house it had been in the family for 60 years .and I thought I would sale the ether house.I talked to the bank and this is what thy did .thy gave Me 110, 000 to by grams house. I got a loan from them for 80, 000. the rest came off of the home improvement loan the day after i closed on grams house . So now I ow 80, 000 on grams house, 118, 000 on first house . But thy told me at any time I could come back down and ref and put the home improvement loan onto the houses, now after all has gone to the dogs and I missed a payment on the home improvement lone it went to high interest 20 per cent and nether one of the houses are worth enough to absorb the 40, 000.and now my debt to in come isn't high enough .If I owed the 40, 000 first I wouldn't have qualified for it but since they gave me the loan first and then maxed out the home improvement loan to come with the rest it worked .I'm maxed out and I'm stuck .i cant pay extra a month .and I cant refnanced I cant sale .

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KEN PAUGH
Elkton, US
Nov 09, 2012 2:58 am EST
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Wells fargo is telling me that my business which grossed $150, 000.00 last year, leaving me with $30, 000.00 taxable income after all expenses and bills were paid out is not enough income to maintain a $1, 100.00 mortgage payment and they are foreclosing... Well the ###s can have it and they can put it in the pile with the rest of the unsold houses and state, city and government properties they won't be able to sell along with 103 ridge road elkton md. Up yours wells fargo ! I pray every day for the news heaven that they went bankrupt just like washington mutual and enron... You ###

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dgrn
Ormond Beach, US
Nov 21, 2011 2:07 pm EST

The same thing just happened to us. We recently moved to Ormond beach. My husband's new employer banks with Well's Fargo. We went into a branch to cash the payroll check and were informed it would be $7 to cash the check since we didn't have an account. They talked us into opening an account. We deposited the check and they gave us "instant debit cards" to use until the new cards came in the mail. When we attempted to use them it siad insufficient funds. That was friday...as of Monday we still cannot access out money! I have called and they cannot tell me when the funds will be available. I have e-mailed and they keep telling me I have to call! We should have just paid the darn $7! So whoever called this person a liar...you do not know what you are talking about! I am fed up with Wells Fargo before I even get started! I will continue to bank at my hometown bank in Indiana because they are more helpful from 800 miles away than Well Fargo is from 1 city block!

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Brien
Wheat Ridge, US
Jul 22, 2011 11:19 am EDT

I am sorry for your poor treatment by these greedy, discriminating people, they have a history of both.

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iLiveInLaLaLand
Shawnee, US
May 24, 2011 7:12 pm EDT
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The only major banks are Wells Fargo, Bank of America and Chase. But for some reason there is no Chase bank in Kansas but its everywhere else. I hate it here, the state itself is slow in updating. Major banks are good when you travel, as with me. I do travel so a regional/local bank is a no go for me otherwise I would have no access to my money. I'm gonna give Bank of America a try since Wells Fargo is such a ### up. I've known people with Bank of America who have had problems and others who haven't had problems. I happen to be the one having problems with Wells Fargo and its probably due to the fact that I DO travel and need to make a lot of purchases. Either way they are crappy. I hope I have better luck with Bank of America.

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changowango
PHX, US
Apr 28, 2011 4:29 am EDT

#### wells fargo and #### all you wells fargo employees defending them while you live on my over draft debt! First off 04/26 7pm go to purchase phone at cell phone shop knowing there is a transaction coming through this week for 200 dollars for student loan. Check account at say 705pm.. .215? Dollars in account and no pendings per website via droid phone.. I make my 197.00 purchase for phone and put note to self (Make 200 deposit) tomorow am before work. .930 am next morning wake up to - 200? Dollars in account.. I tell myself ok i will go make deposit for amount withdrawn this am.. But wells fargo decides to post date my student loan account to yesterday 04/26 not this am 4/27 and charge me an overdraft... I tell myself its okay ill just deposit 200 to cover this transaction (Which i thought occured this am 04/27) and ill be okay.. Nope.. So then i call customer service and get sorry sir well only give you back 17.50.. I tell them let me speak to supervisor.. Supervisor gets on and replies "sorry sir nothing we can do" maybe you should not spend money you dont got".. I tell him so maybe your website shouldnt say those funds are even there if theyre not right? I mean after all automatic debit did occur next day 4/27 not that evening past 7? And if so i deposited 200 to cover same ####ing day.. So #### wells fargo and there criminal enterprise just like all the foreign owned piece of #### banks.. What happen to trustworthy banks and honest overdraft mistakes and helpfulness to your loyal customers deuche bags?

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KILLWELLSFARGO
jlk, US
Mar 08, 2011 8:49 pm EST

I hope wells fargo gets bankrupt or burns to teh [censor]ing ground!

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trollkong
Crosby, US
Feb 07, 2011 4:01 pm EST
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All the major bankers are crooks. They have bribed the politicians to permit them to get away with extortion. The CEOs are payed outrageous and obscene salaries and benefits. They should all be in prison for fraud and extortion. Bugger them all!

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Wells Fargo rude customer service/harrassment

Wells Fargo Auto Finance calls at least 6-8 times per day. I already know that my payment is late. However, New Year's Eve was the ultimate in nastiness and rudness on their behalf. A man called and I tried to explain that there was truly a family emergency and I could provide him with proof of this. He wanted nothing to hear of this. All he did was rip me from one end to the other telling me that instead of going out to party for new years I should stay home and save my money and pay them. He told me if I did not make the payment that night that he personally would come and repossess "Their property." Needless to say I was devastated. This is totally uncalled for and to me constitues harrassment. He refused to give me his full name when I asked him for it so that I could report his ridiculous behavior on the phone. He told me, "you don't have anything to complain about." I am tired of this rudeness. I will be glad when I no longer have to deal with them. I still have not made the payment but hope to make a payment soon. The other part that I left out is that he told me to borrow the money from my parents. When I said that my parents were deceased, he accused me of lying. WAY OUT OF LINE! I am not looking for a freebie but I think in lieu of this behavior, they ought to credit my account with at least a months payment if not the remainder of the loan.

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haize13
Merchantville, US
Mar 21, 2009 1:03 pm EDT

I've been dealing with a Mason... What's yours named?

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Wells Fargo awful company

Wells Fargo is a well entrenched corporate evil that feeds on the wrecked lives of it's victims.

After the turn of events post 9/11 my family endured a down sizing of our life stile as i was laid-off from work and we ended up filing for Bankruptcy. In the rearrangement of finances i did keep the house as we had sold our old home and downsized to a home we could afford on my new - reduced wages. The payments were well within reach in our budget.

Soon Wells Fargo was contacting us implying that we were late on our payments.

I had the receipts for the checks sent in, no problem. After the 3rd time sending them in (by now we are into the second month, delinquency fees accruing and being tacked on) I contacted our VA representative. The rep tried to work this out with Wells Fargo to no avail. Later the first VA rep was rotated out and off the case, (i don't know why, we were fully compliant). The second VA rep wanted nothing to do with this case. He made that more than clear in his communications to us. All the while we were still making our payments in full as assigned by the monthly bill. It was an excessive amount based only on the erroneous notion that we were delinquent in our payments. This served to bleed what little savings we had to nothing very quickly.

Months went by, with constant communications in trying to make arrangements to bring the account current. Each time a deal was struck Wells Fargo would clam they never received required paperwork, or something was not in order. Finally things got so far out of hand we decided to sell the property, cut our losses and run screaming the opposite direction from Wells Fargo. We contacted an investment buyer who had cash in hand at a full price offer. Wells Fargo Sabotaged the deal no less than three times by loosing paperwork, missing deadlines and claiming ignorance to details.

This went on, back and forth for over a year. The proverbial straw that broke the camels back was the contemptuous deceit the company pulled on December 24th of 2004. A get well plan had been extended to bring the loan current. A loan modification with a lump sum payment from us, was to make it all better. It had to be a money order, in full at their office back East by opening time three days from this date. We made it. Certified letter, received on time, in full. We were notified Dec 24th by phone that the company would not be accepting the amount remitted as payment in initiation of this plan as with review they felt i could afford to pay more on the payments than this plan accounted for. Further requests to re-initialize the loan modification were flat denied. The lump sum amount remitted was to be applied to the remaining delinquent amount and we were still in arrears.

We stopped throwing good money after bad and settled on the fact that we had been taken to the cleaners by corporate America. The house went to foreclosure and we departed used and abused. They had no intent of ever allowing this loan to come current. That was obvious in there actions. Good news is they lost there ### at auction. The place sold for MUCH less than they had it appraised at for the purposes of the loan, and MUCH less than the full price offer our investment buyer offered them. I'm sure they wrote the loss off at tax time and shared the burden of the actual loss with the American Tax Payer via reimbursement from the VA.

My best advise with reference to Wells Fargo -- RUN -- Don't look back lest you'll be turned into a piller of salt.

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Valerie
Valerie
, US
Nov 26, 2008 1:35 pm EST

This isn't necessarily a tale of a company ripping a consumer off, but it is a tale of apathy and disloyalty. I'm simply offering the following as advice to you should you find yourself contemplating a choice between Wells Fargo or another company for handling of your mortgage. Long winded, not very exciting story follows: When my ex-husband and I got married, we purchased a little 55k house in the City of Pittsburgh. His job was to make sure the bills were paid every month, and mine was to make sure the mortgage was paid. Which I did religiously, never missing a payment, nor was a payment ever late.

Somewhere along the line, my ex-husband developed an aversion to working, and I thus filed for divorce. While waiting for the final divorce papers, my mother and I began to receive many threatening calls from companies after my ex-husband. Multiple court summons were being sent to the house in his name. Speaking with one company (who had my mother crying, by the way, with threats to her since my ex-husband wouldn't talk to them) the representative told me they are ‘coming after the house'. I told him that such is not going to happen, because as part of the divorce, the house is going to become mine, not my ex-husbands. He said I had better ‘hurry up' because they had filed against him (my ex-husband) in county court. I knew the threats of court were real, as I had seen the many summons notices sent to the house in his name.

I finally got my final divorce papers, and immediately called Wells Fargo, who had been my mortgage company for the six years that I owned the house. You see, I couldn't remove my ex-husband from the mortgage until I received the final papers. I told Wells Fargo that I wanted to remortgage in my name only, explaining the divorce. Initially all seemed well, but then the Wells Fargo representative told me that it ‘couldn't be done'. And that he was sorry, but they cannot help me because of my ‘bad credit'. Now my credit was not the best, but it certainly wasn't bad! He wished me luck before he disconnected the call.

I then logged online and viewed a copy of my credit report. I was shocked to see my irresponsible ex-husband's handiwork – among a few other things was a joint retail account had been ‘charged off as bad debt', and there was a $10, 000 loan that I had cosigned on for him that he hadn't made a payment on in over a year.

I called Wells Fargo back and argued that I was unaware of these blemishes on my credit, and that I would take care of them . . but how can they deny me when I never missed a payment to them in six years? The representative agreed that I had never even had a late payment in all that time and that my payment record with them was flawless. The representative said he hoped everything worked out for me before he disconnected the call.

I scrambled and was eventually forced to sign an 11.5% mortgage with a company called HomEq. Once again, I'm not saying Wells Fargo did anything wrong – companies don't have to be faithful and understanding. I'm just presenting my story for you to keep in mind should you have a choice between them and another mortgage company down the road.

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Rebecca
, US
Dec 25, 2008 12:01 pm EST

Was on and ARM mortgage. Knew is was going to mature in Sept or Oct. Started working early ( I thought) to get a fixed 30 yr. loan. At first in Feb. 08 I was told I was upside down like everyone else in the valley here and could not be helped. I waited.

At the end of May a friend and I went to see the mortgage manager at a local Wells Fargo branch. I told him I had 2 full payments and by the next payday I would have the 3rd. I told him my concern was that being in and ARM that was going to mature I needed to try and qualify for some government. I told him I did not know what was available. He told us that there was some programs but that I needed to be behind in my payments. I asked what he would advise me to do. He said with no hesitation, 'STOP MAKING YOUR PAYMENTS' and apply for a program. He gave me the number to call.

After the June payment was late I called them and was told they could not help me that the payment had to be 30 days late. I waited till after July 1st and was told I had to be 60 days late. I was then told 90 days and by the time it got to that they filed a default against me. Now I was really in a mess. In the meantime I am putting money back to make monthly payments.

During this process they gave me a fax number to send my financial information into them. After 3 different fax numbers that did not work I asked them if there was any one there that knew a working fax number. All I got was try this number. I faxed the information and also got the Ft Mill address and sent the information certified/return receipt requested. I did not really know how or what information to send so I was eventually denied. I was told I could reapply and I have.

This time I understand the paperwork a little better. I sent them property listings for other homes in the immediate area. I sent it in to the Hope4Homeowners program. I sent in a work up sheet with a basic estimate using a guess as to the current value of my home. I know the loan could not be for more than 90% which includes property taxes and etc. I have found out that it has gone to a negotiator as of Nov. 10. I sent in another hardship letter that went in on Nov 17th. I have not talked with them since doing this but I also went to file for widow's benefits with Social Security.

I simply need a loan modification from them. They have acted as though they are completely adverse to doing this. They would be willing to lose money, do a short sale, sign over my deed to them, anything else other than give me a modification that I can do that would keep me in my home. All I want is to stay in this home. I am so upside down. My loan is currently around $197000 and a best guess at the current value based on other homes in this area is $80000.

I am waiting to hear from them. I called last Wed. and I will call then again this Wed. or Thurs. So far they have not set a sale date. I want all sale dates stopped. I want a modification and if they are not happy then put it on a probation type staus. Just give me a chance. My current payment is $1585 or something a month. I need a modification if based soley on me down to $650.00 a month. If I rent one or two bedrooms out then maybe to $950.00 a month. I just need it to go down and be given a chance. It has to be a 30 yeart fixed rate loan though. Wells Fargo has been most uncooperative and you always get a different person. I just want a chance.

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Shaun
, US
Jan 26, 2009 10:56 am EST

This has been a very difficult year for many people. My wife died of cancer almost 5 months ago and I was the primary care giver for 5 months before that and unable to work. My job is in the financial services sector and on straight commission and needless to say even when I could work, there has been very little business. I had money in savings, but through medical expenses and no work, it has been depleted rapidly.

I have contacted Wells Fargo Home Mortgage several times about either reducing the rate on the mortgage and principal balance based on a conservative 30% drop in home values (based on my direct conversation with a county tax assessor and may be more than that with an epidemic of foreclosures in this area). They had no programs available for assistance and finally referred me to HUD and Hope for Homeowners. I ended up with another number that went to their collections department. They said any adjustments made would adversely affect my credit and any reduced rate of payment, the interest lost would be added back to principal.

In essence, they were offering nothing and destroying my credit rating. I have not fallen behind on my mortgage yet but on the edge. I didn't want to go into default and completely wreck my credit rating and had thought about not making a payment for 90 days, but reading through some of the other entries, Wells Fargo either doesn't get what is going on in the market or they want to be owner of the largest number of homes in the US. They indicated that there was a magical date on their calender of December 16th that they were introducing a streamlining program that might help-haven't been able to get any more information on that. People in their refinance department also have no information about assistance to struggling home owners trying to meet their obligations but find themselves in dire circumstances.

I really should have known better than to go with Wells Fargo. Before I did this large mortgage with them, my son went in to one of their branches locally to get change for a $100 bill before we went to the local farmer's market. They would not give him change for a $100 bill because he didn't have an account with them-great PR and winning business. He wasn't cashing a check. Total inflexibility and confusion on their part has lead to frustration and not knowing what to do next.

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Roney
, US
Feb 05, 2009 8:29 am EST

I have been trying to negotiate a mortgage issued by Wells Fargo on a brand new modular home which was left unfinished and with major defects. Every government agency I contacted, DEC, EPA, Board of Health, Governor, Senators, Reps.Building Code enforcement, have all agreed that, Yes, there is a major problem, however we are not regulatory and therefore can not enforce the rules. You should contact an attorney, which I did, only to be told you have a good case, however as soon as the builder hears lawsuit he will liquidate his assets and you will get nothing. I have had to spend thousands to make the home livable, I am a senior, still working as a nurse to survive and have tried to get Wells Fargo to take some responsibility for having appraised this house and issuing the mortgage which is at a high interest rate and high monthly payments. Wells Fargo offers a loan to bring my loan current at 5% interest over 3 years. I am behind by one month, plus all the late charges and added interest. All I originally asked for was one months deferment, in order to catch up. Now I am in default with credit cards and behind on others. At this point 'walking away from this whole deal sounds like an option' Wells Fargo has not been helpful, take no responsibility for granting the loan in the first place, although it was their appraiser, who accepted the word of corrupt public employees that a CO would be issued on this house. I really don't know what to do and hope someone in Cyber space might have a suggestion.

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Billy
, US
May 05, 2009 10:02 am EDT

Up until February 2009, I was current and making payments on time to Wells Fargo Home Mortgage. February 2009, a family emergency set me back 1/2 of payment. Wells Fargo. I was referred to loss mitigation department who closed the case without speaking with me. The reason was the person called me twice and I did not return the call. No notification was since prior to closing the case.

Since they did not help me, I had to borrow the other 1/2 payment with an interest rate of 24% because my credit rating dropped due to the 1/2 payment and them reporting me late to the credit bureau. I was told that no late charges would be assessed and late charges were assessed. I sent them a payment of $4198.96 and was told that the money would not be deposited until a decision was made concerning the late payment in February 2009. The payment was cashed and a late payment is still on my account. Lack of integrity and lack of honesty and lack of helping a customer when the customer is trying to rectify the problem.

It must be duly noted that Wells Fargo Home Mortgage is not trying to help customers and please do not believe them. Only God can be trusted. People cannot be trusted. I took this time because I did not want the CEO of Wells Fargo to "hang himself" or commit suicide because of not knowing what his/her employees are doing. They are harassing people, hanging up the telephone, and yes acting like crooks and jerks. Why get offended when you are given the truth.

My request is for a reversal of the late fees because I was told that since I called and made payment arrangements there would be no late fees. The payment arrangement was negated March 9, 2009 because I only had March 2009 payment and not the other 1/2 payment. This was not my doing but the doing of an employee who made the payment arrangement with me. She was probably fired because she was really trying to help me resolve my situation. My second request is for Wells Fargo to contact all three credit bureaus and remove any negative information from my file. I have been in constant contact with them notifying them monthly of my situation and trying to resolve it without their help. I am requesting that the $111.96 is removed immediately, late charge assessed when the family emergency.actually occurred.

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Cox
Waldoboro, US
Jun 15, 2009 3:37 pm EDT

Just recently I received a notice from Wells Fargo, stating that my interest rate was increasing. This increase was based on my other credit issues with OTHER companies. I have always paid my Wells Fargo credit card on time and have never missed a payment. My new interest rate brought me up to 25.65%. Needless to say I immediately called the company and canceled my card. My husband and I are full time college students and were recently laid off from our jobs. It's hard enough to even feed the family, let alone keep up on the bills. Why would a company try to screw you over more when your already being screwed in this damn economy?
NOT TO MENTION WHAT DID THE ### DO WITH THE BILLIONS OF DOLLARS IN GOVERNMENT BAILOUT? Not help their’ customers that's for sure.

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homeowner
, US
May 30, 2009 12:15 am EDT

Wells Fargo is a wretched company. I have been trying for the last six months to get a modification. The WELLS FARGO agents lie outright. They tell you whatever crap and the next agent disowns the previous agents statement.

I will never bank with WELLS FARGO again. I am sure other banks will come out of this mess and then Wells fargo will realize how important customers are.

They gulped 25 billion of our taxpayer money without a belch and refuse to help customers.

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Dan Bell
Pasadena, US
Apr 28, 2009 1:15 pm EDT

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.

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Wells Fargo wrongful reposession

I too, among the thousands of people that have also lost money and/or their car, homes, etc. by banking with Wells Fargo feel that some legal action needs to be taken against them.

The question is, "How do you sue a bank?" I'm afraid that answer is only going to be answered by someone with pockets that are far deeper than mine.

If that doesn't give you any idea of how frustrated I am with Wells Fargo, I'll inform you of the entire 2 year history.

I had a checking and savings account with them for years, no problems. Everything was fine before financing an auto loan through them, then things changed. The first 6 months I had no problems, basically because I had it setup to automatically withdraw from my check account with them. Then I switched to a Credit Union and it only went downhill from there.

First, like most of you in my shoes, I received the statements regarding not carrying insurance. And like most of you I sent them proof as soon as possible that I indeed have valid insurance. 7 months later that issue finally resolved, but the balance on my bill for 7 months of "not" having insurance didn't go away, ever.

I accessed my auto loan account via the Wells Fargo website, to my "surprize" they had that wrong too. When I clicked on a payment it opens into a window that is suppossed to show exactly how much of that one payment went towards principal or interest. I'm not sure if a Wells Fargo employee paid themself from my car payments, but when I clicked on a $1, 000 payment, for example, $150 went towards principal and $300 towards interests. My questions is, where is the other $550 going?

I then sat down and went all the way through my account, payment by payment, adding up the missing ammount from each payment and the late fees from not paying the insurance they were so kindly to tack onto my bill, along with the insurance itself and that was the "past due" ammount. Which at that time was over $3000.

Any "bank" thats has an account past due by $3000, IS going to repossess THEIR automobile. They don't care if your at work or on vacation. My fiance' happened to be drving my car that day to work when Wells Fargo called her saying that if she didn't tell her where she had the car, they were going to sue her for the outstanding balance.

Unsure of what to do, she let them come to her work and take the car. Every payment was on time and made in full if not more than what they wanted. I just sent them a $1, 000 payment 2 days before they took it. Before I had time to log onto my account via Wellsfargo.com, then cancelled it. I couldn't log onto it, they showed no account with my account number.

I too have been yelled and screamed at when "trying" to just understand why they say I owe what I owe, and gave up calling them. I then went down to a local Wells Fargo branch (Houston, TX) and began informing a banker of my problems. He showed that it was repossessed and didn't have anymore information for me than that. Other than go to Arizona to the ONLY Auto Finance office in all of Wells Fargo. I don't think so.

So now I have no car and can't get a car because I now have crappy credit showing a repossession. Thanks Wells Fargo and all your minimum wage conficts you have answering your calls. :-/

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Jefflitaker
Lombard, US
Dec 19, 2013 6:39 pm EST

I financed a car through wells fargo. I made a late payment and they repossessed my car over the late payment fee. They would not let me buy it back and sold it at an auction. They would not tell me where or when the auction was so I can try to get it back. I explained to them I need my car I have six children and one is disabled from a spinal cord injury and has doctor/therapy appointment 3 times a week. They told me I had a late payment fee that was outstanding for 81 days and hung up on me. I don't think this is legal.

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christina
Lynnfield, US
Apr 29, 2009 8:06 am EDT

I myself along with my mother in law purchased two new cars, then refinanced with WELLS FARGO WHAT A MISTAKE THAT WAS. They are rude, They say you have 10 days grace period, YEAH RIGHT the very next day the payment wasnt received they call ALL day long. When i call into them regarding why the payment was late they want to ask all personal questions, why are you late? what do you do with your money? I hate to call them so i say screw them, i claimed bankruptcy and now there is nothing they can do i pay them when i want, i tried to refinance with another company and i cant, WF reports everything, they are RIP OFFS! And once you have a loan with them you have to pay it back forever.

we purchased a dog with financing at a pet store with WF, the dog was 999.00, 2.5 years have gone by i have been paying 38.00 a month for 32 months now and they sent me a bill saying i owed 947.00 still? i siad are you kidding me i paid for that dog twice already then they say we will take a settlement of 830.00, i hung up and said come take teh dog, i mean really. they are the WORST. dont FINANCE WITH WELLS FARGO ANYTHING

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Wells Fargo customer service

I contacted Wells Fargo on December 23 2008 and requested a shipping letter so that I could ship mu 2006 Toyota from
Honolulu HI to California. The shipping company requires a letter from the lein holder. I was told on 12-23-08 that Wells Fargo could not send me an Email and a nfax could take three days. So I opened a Fed x account so that they could send me the shipping letter. As of Monday 12-29-08 no letter. I called [protected] and spoke to five different people who could care less. The supervisor Sue Dimartinez would not speak to me on the telephone she was in a meeting. The people who send faxes go home at 3pm. I was told that I should have called weeks ago. I guess it takes weeks to send a fax.
I will call the President of Wells Fargo tomorrow every five minutes until they fax me the letter I need to ship my car.

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Update by Peter
Dec 29, 2008 7:10 pm EST

WELLS FARGO SUCKS HOPE THEY FOLD UP

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Wells Fargo don't give up!

My heart goes out to everyone who is suffering at the hands of a predatory lending scheme. i'm going to share my story with you and then follow up with someone who was able to, just very recently, get wells fargo to help them. I want homeowners, or recent homeowners, to at least call and/or e-mail cara k. heiden, mary coffin, and sharon cecil in the wfhm executive office. I give you their e-mails, direct phone number, and address below. please try. i'll say prayers for you and your dear families. remember, keep trying. expect god to bless you. and I know he will.

In november 2006, wells fargo d. b. a. american servicing company (asc) decided to escrow on my mortgage loan. for no reason. my taxes and insurance were always paid on time. theyd never escrowed before. then, instead of paying my annual property taxes once, they paid them twice. and I had already paid them. then they pre-paid my property taxes that werent due for another year. id never had an escrow account with them, so usually the balance was zero. now it was -$5500.00. my mortgage payment increased from $655 to $1446 a month. I cant pay it.

Wells fargo admits their error. they promise to fix it. then they dont. again they promise to fix it and reverse all the late charges. doesnt happen. no one corrects the original mistake so the snowball effect is creating havoc with my mortgage, with my credit, and on my life.

Asc phone calls and letters threatening foreclosure were relentless. I have spent hours on the phone trying to resolve the problem. so many asc customer service agents promise all your problems are taken care of, rest assured. when you check the next day to confirm all is well (youve learned to check) they can't even find a note in the record that you ever called. so then I am forced to start the process to correct my loan all over again with a different agent (weird isn't it that you can never get the same agent because they don't have extensions, and they refuse to give you their last name. they will give you their three-letter employee id code that has never helped me a bit. many agents refused to give me the companys physical address when I wanted to talk with someone face to face. over this six-month nightmare I was assured over and over and over, that yes, definitely this time, they had truly made the corrections I had been assured already been made. yes, isnt it wonderful, my mortgage loan had been approved for loan modification and the loan i’d been told dozens of time had been reinstated, had really for sure this time been reinstated. I was always told I would receive a letter confirming all was well with my loan. I was told not to make any monthly payments on the loan because until the correction had been processed through their system, the payment would be considered a partial payment and would be returned to me. so in february and march I couldnt send in a payment because the monthly payment amount was never corrected. I was forced over and over again to start the agonizing process from square one with another agent. most agents couldnt find any notes in my record. I had the brilliant idea that faxing the whole story, along with receipts, and other requested forms, would be the answer to our communication problem. I would finally receive a letter confirming receipt of the requested documents. four days later im told my documents were never received so my home is in foreclosure.

On april 23, 2007, I was emergency admitted into river oaks mental hospital for 10 weeks due to a complete emotional breakdown. I was suicidal and unable to care for myself. wells fargo mortgage made a mistake, and acknowledged it. however, they were unable (or unwilling) to fix the problems their error created. my sister was given power of attorney so she could resolve the issue. upon discharge from the hospital an asc agent confirmed my loan had been fully reinstated, the payment had been corrected, the escrow balance adjusted. they promised the late charges and additional interest charged because of their error would be credited back to the account. I insisted and they agreed they would contact the credit agencies to report their mistake, remove all negative remarks, and change all comments they had made regarding my mortgage account to paid as agreed.

Two days later I received a notice advising me of the sheriffs sale date set for my home.

My home was my savings account. and it was my retirement account. more important, it was my security blanket.

The october 3, 2007, sheriff sale date has been postponed and wells fargo has told me they want a satisfactory conclusion to this nightmare. ill keep you posted. today is october 9, 2007.

Wfhm admitted errors and apologized in two letters received on october 24, 2007, and october 29, 2007, from todd m. boothroyd (contact info shown above), credited $12, 000 to my mortgage loan, corrected the negative reports made to the credit repositories, reinstated my loan. I breathed my 1st sigh of relief in nearly a year.

Then they sold my home at a sheriff sale. they took my home, almost $100, 000.00 in equity, and i'm lost without my home. god bless my 70-year old mother who is now forced to take care of her 46-year old, disabled, daughter. I still believe something good is going to happen. I really do. two years of fighting for all i'm worth just can't end like this. I will never stop trying to find restitution and peace. and I will never stop sharing my story just in case it might prevent someone else from losing their home. from facing agonizing months on end. being turned inside out with fear and pain. from losing their retirement, their live savings, their security. if I had children, I don't know how i'd be able to face it. I don't know how these companies are able to do what they do to famies who have trusted them. it just breaks my heart.

But remember, some of the readers of my blogs have been e-mail me sharing good news about the help they are beginning to receive from wells fargo bank. so do not give up!

I know help is coming soon for all families facing foreclosure. god bless anyone who helps someone keep his or her home.

Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com (don't hesitate to contact me!)
[protected]
[protected] fax

Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.

Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com

Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com

Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com

Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com

Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]

Below are recent emails that have encouraged and comforted me:

Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

E-mail from 'jackie euper' to 'kelly l. hansen' (www.complaintsboard.com)

Wed, 17 dec 2008 10:48:53 -0600

Kelly,

First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper

Kelly,

First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from 'kelly l. hansen' : —

Attn: jackie euper & sharon cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. god bless you & I hope you have a merry christmas!

Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.

That's thrilling!

Kelly l. hansen
Still hopefull, but at the moment homeless...
46-year old now living with her 70 year old mother!
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com
[protected]
[protected] fax

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Date: sat, 20 dec 2008 07:12:07 -0800 (pst)
From: "kelly l. hansen"
Subject: you deserve each and every blessing you receive, jeff. because you give your heart to others.
To: "."
Ok - wow, how do you share your heart so well? you have blessed me with your success story. can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

I wish you would have been able to do the fox interview! it sounds like god is using you by giving you so many opportunities to share your story! very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. that is key and something I never considered.

Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

May I ask where you posted your story? I want to go the site and read it!

Now, I ask for your prayers. I lost possession of my home two weeks ago. your letter, your warmth, delighted my being! once again, perfect timing!

You've energized me to get your story out and get back to what I love doing. thank you, thank you, thank you. I really love being thought of as a guardian angel. I so very much want god to be able to work through me. and i've prayed for specifically that just within the last few weeks. so wow, thanks so much for your affirmation. hugs and kisses to you, to your family, and may your holidays be filled with joy, and peace. aaahhhhh. sweet, sweet peace. god bless you, all of you.

"." wrote:
Hi kelly,

Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) thank you!
And yes, you can post any, and all of my stories. we're in this together.

The blog you posted saved our future! the key to asc success was dealing with one individual, and after sending emails to wells fargo's president, v p, and cfo, I had a response in four days from asc! my wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"we are calling you from the executive department of asc, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden... this? it was like seeing 911 all over again, I don't believe what i'm seeing, and hearing!

I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. as I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. when I sent those emails out, I never thought a reply was coming, but something happened.in the subject line of those emails read "why do you want my home?" I proceeded to explain the 100's of horror stories written by asc victims, and how they all sounded alike, as did mine. the one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you kelly.

All I did was google "asc complaints", and omg, there you were, along with more than I could handle. fox television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the special forbearance option that was about to be put into motion. we got the forbearance, yet within a week, asc called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. i've got you to thank for this kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. asc has also told me that the plan I suggested they implement for us, will now be used in other situations. a plan that has never been used before. i'm a realtor, suffering like everyone else, yet wamu agreed to a loan mod on another property that I own, and worked so well, I had to tell asc where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

so there you go. it's snowballing, and god used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in microsoft word, and was able to retrieve it. I needed to say thank you over and over again. i'm a firm believer that when you do good for others, good comes back to you. you're a god send kelly, and I owe so very much to you for what you have taught me. if not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. a million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful christmas to you and yours!

I believe in miracles kelly, and whether you know it or not, god appointed you as my guardian angel!

Warmest regards,

Jeff taylor
— original message —
From: kelly l. hansen
To: [protected]@cox.net
Cc: kelly l. hansen
Sent: friday, december 19, 2008 9:14 am
Subject: i'm so happy for you! thank you for your kind words - they mean more to me than you could know.

Wow — I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "god I have to have some good news today!" your e-mail may have been written a few days ago, and i'm sorry I didn't get your voice mail, but god used you tonight, jeff. just knowing you took the time to write is awesome. you will just never know, honestly, what a blessing you are.

So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

People are so scared to trust anyone - and they should be. may I share your e-mail with others fighting to keep their homes — and prayerfully some equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. so let me know if you are comfortable with passing along some smiles.

God bless your heart. I thank god above that you were blessed with a positive outcome.

If you have already written your story anywhere, i'd love to read it! I want to know (I promise i'll keep everything confidential) who finally cared enough to help a hurting homeowner!

Yes, i'm still in my home but now after wells fargo bank dba americas servicing saga was all worked out, loan reinstated, $12, 000+ credited to my mortgage account — 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist llc. "equity-strippers." to just say just the very least, and leave you alone, they forged a quit claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now i'm fighting with

Apple assets lc
Beid: 3016292
Darrin t. volk and larry hedenkamp
9379 west 75th street
Overland park, ks 66204

Under investigation for mortgage fraud, forgery, and sexual battery — six identical cases in court at the same time all quit claim fraud, all forgery, but i'm still fighting just so exhausted. dear lord, what's up? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around — if I were you and finally had a happy ending, I sure would understand if you prefer to move on.

If I had a happy ending, well, i'd still stay very very deep in this. too many people have too much to lose. and they are losing it.

Tonight i'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. so, so nice.

Thanks for sharing.

"." wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

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Wells Fargo wells fargo denver should be fired

/name removed/ is a "relationship manager" at Wells Fargo. My company has put over $8, 000, 000.00 through Wells Fargo so far in 2008 and we are in the process of winding our accounts down and moving to another bank. After /name removed/ made an error in my account to the tune of roughly $82, 000.00, I told him I was going to his superiors. He responded by lowering all my charge amounts on my debit cards and changing my account status (all while charging upwards of $3, 000.00 per month in fees). I asked MULTIPLE times to be assigned another banker and when I asked him finally again in November, he said he was "shutting down my accounts." I am a valuable customer of Wells Fargo and I will assign a member of my staff to stay on this until he is reprimanded. In addition, /name removed/ MISREPRESENTED the nature of the accounts he was putting me in (including the massive fees) so he could get his small commission. A simple look into the accounts will demonstrate that there was no need for the accounts I was sold. He said it would be "around the same cost, but better service." Neither of these statements were true. Wells Fargo needs to monitor sales staff not only by sales numbers but honesty. An upgraded account is not worth losing a lifetime customer like my family. I will have my staff check in on /name removed/'s status at Wells Fargo every month until he is let go or reprimanded severely. In talking to other bankers in Denver and surrounding areas, they have agreed with me that he is unethical and should not be employed by your company. The problem, is his branch manager from what I have learned benefits from having strong numbers from him and is far too eager to look the other way. I am sending certified letters to every single branch manager in Colorado telling specifics about my experience with /name removed/. I am also telling other banks in Denver and all of their branch managers my experience with /name removed/ so when he is fired for doing dishonest things to another high valued customer at Wells Fargo, he will not be able to take advantage of another customer through another financial institution. I'm also contacting the Attorney General and the media. This is my public service so /name removed/ doesn't continue hurting customers at wells fargo.. /name removed/ was left several messages from me and never returned the calls.

My Desired Resolution:

I want /name removed/ to be repremanded and his boss to return my phone calls. I want to be notified when something is done. This has cost me tens of thousands of dollars and far too much of my valuable time.

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Grace H
El Cajon, US
Jan 23, 2010 4:00 pm EST

Kelly, there is also another place to fight these miserable scums Th Attorney General of your state.
Good Luck . Grace H.

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Kelly L. Hansen
DeSoto, US
Dec 24, 2008 3:24 pm EST

Timothy,

You deserve so much more, to be blessed, to be appreciated, by a Bank to whom you bring a huge amount of money.

I know from 1st hand experience they don't mind stealing here and there, creating escrow errors that snowball and end up costing home owners their homes, but your story is huge, and so very, very awful. I'm certain your business, if it brings in that kind of money, needs every single dollar brought in, to continue to meet overhead.

You are in my prayers. I've listed some contact information below. You probably have already contacted the right people, and the infomation I've listed is for the home mortgage executive office, but I'm hopeful that the more people contacted, the more likely you are to find the one person who will be qualified to fire /name removed/, and return the funds you've lost, plus.

Your story infuriates me. I believe what goes around come around. /name removed/ will learn a valuable lesson by losing a valuable customer. The Customer (they should be thanking their lucky stars you chose them for your banking needs) ALWAYS comes first.

EVERYONE WHO READS THIS BLOG: take a moment and contact the people below with your thoughts, and don't forget to include an e-mail to /name removed/ I'm sending him mine right now...

Now, here is my story, and some encouraging e-mails, and the contact information I promised.

God Bless Your Heart, and Good Luck.

Kelly L. Hansen
ctsmyhon@yahoo.com
**************************************************************************

You have blessed me with your success story. Can you imagine how many others will be encouraged, uplifted, and energized when they read your words?

I wish you would have been able to do the FOX interview! It sounds like God is using you by giving you so many opportunities to share your story! Very few people go to the forbearance table with a specific plan, a win-win for both the lender and the homeowner. That is key and something I never considered.

Both investors and lenders would most certainly warm to homeowners who calmly expect a successful resolution.

May I ask where you posted your story? I want to go the site and read it!

Now, I ask for your prayers. I lost possession of my home two weeks ago. Your letter, your warmth, delighted my being! Once again, PERFECT TIMING!

You've energized me to get your story out and get back to what I love doing. Thank you, Thank you, Thank you. I really love being thought of as a guardian angel. I so very much want God to be able to work through me. And I've prayed for specifically that just within the last few weeks. So wow, thanks so much for your affirmation. Hugs and Kisses to you, to your family, and may your holidays be filled with joy, and peace. Aaahhhhh. Sweet, sweet peace. God Bless You, all of you.

"." wrote:
Hi Kelly,

Where do I start? I read your letter to my family tonight (taking a deep breath with every new sentence) Thank you!
And yes, you can post any, and all of my stories. We're in this together.

The blog you posted saved our future! The key to ASC success was dealing with one individual, and after sending emails to Wells Fargo's President, V P, And CFO, I had a response in four days from ASC! My wife was the one who took the call that morning while I was out dropping off the kids at school, and when she called me on the road with the news which was:"We are calling you from the executive department of ASC, and are very sorry you have had to go through this, we are assigning you to an individual who is going to get things straight, and it doesn't get higher than this", I could not believe what I was hearing, something that we worked months on with nothing but confusion, misunderstandings, three months delinquent, then all of the sudden...this? It was like seeing 911 all over again, I don't believe what I'm seeing, and hearing!

I wept behind the wheel to the point of almost having to pull over, but continued driving because I needed to get home to my wife and hear it again in detail. As I walked through the door, I saw this look of disbelief in her eyes mixed with a joy I have not seen for a long, long time. When I sent those emails out, I never thought a reply was coming, but something happened. In the subject line of those emails read "Why do you want my home?" I proceeded to explain the 100's of horror stories written by ASC victims, and how they all sounded alike, as did mine. The one question they had to ask when contacting my wife that morning was "how did he get that email information?", and my wife's reply was "you can get almost anything off the internet these days", which is how I found you Kelly.

All I did was Google "ASC Complaints", and OMG, there you were, along with more than I could handle. Fox Television even contacted me based on a blog I submitted, and had been getting so many calls, yet mine stood out, and wanted to do a live interview with me at my home, but I had to decline, for that was the day we were to get the news on the Special Forbearance Option that was about to be put into motion. We got the forbearance, yet within a week, ASC called back, and based on a plan I suggested they use, was submitted to the investor, and they approved it three months ahead of schedule.

All of the delinquent payments were then rolled back into the loan, interest reduced, payments reduced, and the rest goes into the history books. I've got you to thank for this Kelly, and I have passed this info to others whom have contacted me, and told me that they are starting to move forward in a positive way. ASC has also told me that the plan I suggested they implement for us, will now be used in other situations. A plan that has never been used before. I'm a Realtor, suffering like everyone else, yet WAMU agreed to a loan mod on another property that I own, and worked so well, I had to tell ASC where they were falling short, and how this plan could make it a win, win situation for the both of us. 3% year one, 4.5%, year two, 5.7%, year three, and every year thereafter.

So there you go. It's snowballing, and God used you, as he has used me to help those who are at a total loss as to who to trust, and which direction to go. I still look back on that morning when I got that call from my wife, and immediately thought of you. I saved your blog in Microsoft word, and was able to retrieve it. I needed to say thank you over and over again. I'm a firm believer that when you do good for others, good comes back to you. You're a God send Kelly, and I owe so very much to you for what you have taught me. If not for that information I just happened to stumble across that day while on a last chance mission, our home would now be gone. A million hugs and kisses to you my dear, you to are a totally awesome person!
A wonderful Christmas to you and yours!

I believe in miracles Kelly, and whether you know it or not, God appointed you as my guardian Angel!

Warmest regards,

Jeff Taylor
----- Original Message -----
From: Kelly L. Hansen
To: classicdad@cox.net
Cc: Kelly L. Hansen
Sent: Friday, December 19, 2008 9:14 AM
Subject: i'm so happy for you! Thank you for your kind words - they mean more to me than you could know.

wow -- I can't tell you how much your kind words were needed today. 30 minutes ago, I said out loud (only my dog hears me) "God I HAVE to have some good news TODAY!" Your e-mail may have been written a few days ago, and I'm sorry I didn't get your voice mail, but God used you tonight, Jeff. Just knowing you took the time to write is awesome. You will just never know, honestly, what a blessing you are.

So many people are hurting, and your encouragement took a 200 lb load off my heart and gave me double the strength and motivation to keep reaching out.

People are so scared to trust anyone - and they should be. May I share your e-mail with others fighting to keep their homes -- and prayerfully SOME equity? I do understand if you aren't comfortable, and I promise I won't send it any further. I have to ask because I know what it would do for so many facing the same mind boggling struggles. So let me know if you are comfortable with passing along some smiles.

GOD BLESS YOUR HEART. I THANK GOD ABOVE THAT YOU WERE BLESSED WITH A POSITIVE OUTCOME.

If you have already written your story anywhere, I'd love to read it! I want to know (I promise I'll keep everything confidential) who finally cared enough to help a hurting homeowner!

Yes, I'm still in my home but now after Wells Fargo Bank dba Americas Servicing saga was all worked out, loan reinstated, $12, 000 credited to my mortgage account -- 20 days later my home was sold at a sheriff sale. I walked with eyes wide open smack dab into the middle of a foreclosure rescuer scam artist LLC. "Equity-Strippers." To just say just the very least, and leave you alone, they forged a Quit Claim from me to them, mortgaged my property to the max hat at one time had significant equity (for me) and now I'm fighting with

APPLE ASSETS LC
BEID: 3016292
DARRIN T. VOLK AND LARRY HEDENKAMP
9379 WEST 75TH STREET
OVERLAND PARK, KS 66204

under investigation for mortgage fraud, forgery, and sexual battery -- six identical cases in court at the same time all Quit Claim fraud, all forgery, but I'm still fighting just so exhausted. DEAR LORD, WHAT'S UP? I don't know where my story ended with you, but let me know if you want to hear anymore about the pain these lenders lovingly spread around -- if I were you and FINALLY had a happy ending, I sure would understand if you prefer to move on.

If I had a happy ending, well, I'd still stay very very deep in this. Too many people have too much to lose. And they are losing it.

Tonight I'm going to take my legal books away from this laptop, and pray a huge thank you for your happy ending. So, so nice.

Thanks for sharing.

"." wrote:
From: "."
To:
Subject: Thank You Kelly!
Date: Fri, 21 Nov 2008 22:19:47 -0800

Dearest Kelly,

I left you a voice mail this evening. Thank you!
I've passed along to other ASC victims, my success story, and your info. Thank you!
Your blog comments helped me save my home. Thank you!
You are a God send Kelly, Thank you so very much!
Your efforts were not in vein.

Kindest Regards,

Jeff Taylor / San Clemente, CA / [protected] :)

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cindylao
Denver, US
Dec 21, 2008 5:22 pm EST

It is sad to hear that you have been victim of un-ethical practices by your bank. Wells Fargo is not non-profit, they are for extra-profit organization. You need to visit www.wellsfargosucks.com . you will find out un-ethical selling is culture of this bank. It appears that you are being ripped off. I recommend another bank for you . So many other banks are in Colorado like Bank of the West . May be online accounts at Bank of America at BOFA.COM etc. Goodluck !

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9:40 am EST
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Wells Fargo loan closing delay

This is an admonition to anyone shopping for a Reverse Mortgage Loan (RML) lender to think twice before using Wells Fargo bank's mortgage services. My current experience with them is bringing back unpleasant memories of an earlier experience with Financial Freedom, which was the arm of Indy Mac bank that specialized in RMLs.

On November 4, 2008 I sat down with the Wells Fargo's Reverse Mortgage Loan (RML) agent at my home in eastern North Carolina and initiated a new RML. This new RML was to refinance a RML that I had gotten over one year earler through Financial Freedom. Since closing delays had made the experience with Financial Freedom very frustrating (12 weeks and one day), I specifically asked the Wells Fargo agent what I could expect the elapsed time to be for their closing date, and was proudly told that Wells Fargo had a policy of closing in 30 days or less.

Forty-four days have elapsed as of today (12/18/2008), and I have not been able to get Wells Fargo to even set a closing date. I call their regional representative, she says she will check on the status of my closing and call me back, but she usually does not call back. When she does call back, it is to tell me that they are understaffed and overworked (who isn't?), and that a supervisor will call later today. She has stated that all the documentation is in place, but that the processing hasn't been completed.

Since Christmas is only eight days away I am growing increasingly frustrated, and I am expecting Wells Fargo to use the holidays as an excuse to set the closing for the last week of this year or the first week of 2009. If so, my experience with Wells Fargo's closing will far exceed their assurance of 30 days or less, and may end up being very much like my experience with Indy-Mac/Financial-Freedom.

My RML with Indy-Mac/Financial-Freedom finally closed on May 31, 2007, and the FDIC took over Indy Mac less than two months later in July. The agent that took my recent RML application said several times that Wells Fargo was financially sound, but the guy with Indy-Mac/Financial-Freedom said much the same thing. Now I am wondering if an inordinate delay in setting a closing date is a sign that a bank is short on funding and about to fail.

Does anyone have any inside information on this? Should I cut my losses with Wells Fargo and go with another lender? If anyone knows anything, please clue me in.

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carebear05
Fairfax, US
Feb 17, 2009 11:33 am EST

Wells Fargo customer service are simply liars. They will make any and every attempt to lie to you just so they can make it impossible for them to help you. I am been trying to work with them and have faxed the required documents to them more than 8-10 times. each time I call, they manage to somohow give me the dates documents were faxed (dates that match my confirmation dates)but right after that, they tell me they have not received it. I am so tired of working with them. Its ridicoulous. I have been a loyal Wachovia customer for years but I will close my account with them and go somewhere else. If wachovia is now part of Wells Fargo its sad. I don't care if its different part of business...I just don't want to be affiliated with Wells Fargo.

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Frustrated
Indianapolis, Indiana , US
Apr 03, 2009 9:08 pm EDT

I agree with all of you. They lie. The collection agent for Wells Fargo even said to me "Your husband is 80 years old and he will be dead soon". They are wanting to put a lien on our house for a business credit card that we are trying to settle with them. We were an S corporation and the loss is from the company but they are telling me quote "We will own your house and take it away from you". It is my understanding that this is illegall. Anyway do not do any business with them unless you are an attorney.

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11:50 am EST
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Wells Fargo true customer care?

Wells fargo home mortgage might be turning things around!

I've been intent on sharing my negative experience with wells fargo home mortgage so I think it is important to encourage you with these positive e-mails i've received within the past weeks.

It is my prayer these will make you smile, and renew your hope! and, help you resolve your issue with wfhm.

I'd love to hear from you, anytime! god bless each of you.

Kelly l. hansen
33605 w. 88th street
Desoto, ks 66018
[protected]
[protected] fax
[protected]@yahoo.com

wrote:
From: "."
To:
Subject: thank you kelly!
Date: fri, 21 nov 2008 22:19:47 -0800

Dearest kelly,

I left you a voice mail this evening. thank you!
I've passed along to other asc victims, my success story, and your info. thank you!
Your blog comments helped me save my home. thank you!
You are a god send kelly, thank you so very much!
Your efforts were not in vein.

Kindest regards,

Jeff taylor / san clemente, ca / [protected] :)

Attn: jackie euper & sharon cecil

Jackie, awesome, thanks so much for keeping me posted!

Sharon is always a big help. god bless you & I hope you have a merry christmas!

Ps: sharon cecil - you're so good at getting things done! thank you for taking care of jackie euper. after sending this to you, i'm going to complaintsboard.com and /link removed/ and saying thank you wells fargo home mortgage! it looks like a real effort is being made by the executive office to take care of your customers.

That's thrilling!

Kelly

[protected]@bellsouth.net wrote:
Kelly,

First off thank you for your help. I did speak with sharon yesterday and I am suppose to receive my check on friday via fed ex. I will believe it when I see it. thanks again for your web site it led me to the correct people. I hope you have a merry christmas, and may god bless you. thanks again, jackie.
— original message from "kelly l. hansen" : —

Jackie,

[protected] direct to executive office of wells fargo home mortgage.

More and more people are writing and claiming successful outcomes in their dealings with the executive staff at wells fargo home mortgage, so I have high hopes for you!

Here are the names and numbers you need — these women will get you the money that belongs to you. please let me know if you need anything at all from me. it never hurts to start pushing from every direction.

Cara k. heiden, ceo
Wells fargo home mortgage
Cara. k. [protected]@wellsfargo.com

Mary coffin, vice president
Wells fargo home mortgage
Mary. [protected]@wellsfargo.com

Sharon cecil, assistant to both
Wells fargo home mortgage
Sharon. [protected]@wellsfargo.com

Todd m. boothroyd
Senior counsel, real estate division
(address in california, let me know if you need it.)
Todd. m. [protected]@wellsfargo.com

Wells fargo home mortgage
Executive communications office
Mac x2302-02j
800 s jordan creek pkwy
West des moines, ia 50266
[protected]

I'll say a prayer for you now... please let me know how things progress for you. they have no right to hold your money. good luck jackie. thank you for writing.

"complaintsboard.com" wrote:

E-mail from "jackie euper" to "kelly l. hansen" (www.complaintsboard.com)

Wed, 17 dec 2008 10:48:53 -0600

Kelly,

First I hope you are feeling better. just this morning I told a wells fargo home mortage specialist that they are going to cause me to have a heart attack. after reading your story I see it is possible for them to cause physical harm! I was hoping you could give me a short cut and give me a phone number for the president of wells fargo home mortgage, I can't seem to get it from anyone at wells.. go figure!
I feel like I want to express my feelings to the top person. my story is over money they refuse to release from hurricane damage. thanks again for sharing your story. sincerely, jackie euper

If you think you received this email by mistake, please report to editor. [protected]@gmail.com

Kelly l. hansen
46-year old now living with her 70 year old mother
Thank god for mothers.
33605 w. 88th street
Desoto, ks 66018

[protected]@yahoo.com
[protected]
[protected] fax

Warning to investors and consumers: don't go to wells fargo!

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Wells Fargo harassing phone calls

I cant beleive I financed a vehicle with this company. I have had so many people tell me how crappy they are and I still did it...
My truck payment is due on the 28th or 29th of the every month. I am not behind - I have a 10 grace period on my loan. Yet if I dont make the payment by the 1st the calls start rolling in. They call every hour on the hour. 1st the toll free number will appear on my caller id - then a south dakota number - then a missouri number - then a conn number, and it all starts over the next hour. Never do they leave message. THIS PLACE IS RIDICULOUS! MAN I SURE REGRET DOING BUSINESS.

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Turn about is far play
Shithole, US
Mar 27, 2010 10:37 am EDT

John G. Stumpf, C.E.O Wells Fargo
1090 Chestnut St, Apt 12
San Francisco, CA [protected]

HOME PHONE # [protected]

Call John at home and tell him that you don’t like frivolous phone call from Wells Fargo. If enough people call him at home he might start to understand!

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mbcorde
, US
Nov 22, 2009 10:22 am EST

There is actually a 10 grace period for your vehicle but that's only before a late charge is put on your due date is still the day it says on your contract, the calls are too remind you of the payment. Maybe if you made your payment on time you wouldn't have to worry about so many phone calls

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Heatherhlhh
, US
Aug 27, 2009 7:25 pm EDT

My dad died at the age of 55 last month VERY unexpectedly. His auto loan was through Wells Fargo.

My grandfather is the co-signer on the loan. Grandpa who is 80 started receiving the harassing phone calls from Wells Fargo and was even threatened that he either had to make a payment by a certain time that night or the vehicle would be reported as stolen and he would be charged with grand theft auto! Totally false threats!

I worked in a police department for 7 years and KNOW that it is a civil matter and they cannot report the vehicle at that point, stolen. BUT dear old grandpa wired them a payment anyway...

We've been trying to work with Wells Fargo and the woman we have been in contact with will not budge at all. So, the vehicle will be going back to them and they can auction it off for $4, 000 less than what we are offering them.

At the age of 80 and 3 pensions that are covered against garnishment, you would think that Wells Fargo has a lot to lose and would want to work with us. We have absolutely nothing to lose anymore. Grandpa has no use at that age for credit and with the loss of my dad (his son) and my grandma recently diagnosed with terminal cancer, how long do they expect to collect from Grandpa anyway?

We've contacted an attorney regarding the threats their collection people made and we will never finance a loan through Wells Fargo again.

DO NOT FINANCE THROUGH WELLS FARGO...EVER!

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JordansMom
avenel, US
Feb 12, 2009 6:10 pm EST

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.

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Wells Fargo overdraft fee rip off

First, let me say I made the mistake of overdrawing my account. There was one large check for over $4, ooo, then several small checks and debits which all cleared the same day. This bank works it out so the large check is debited first, depleting the account so all the other small charges rack up their $35 overdraft fee. What could have been one O.D. fee becomes $315 in O.D. fees assessed in one day! What a racket. How is this legal? It's two weeks before Christmas and I feel as if I have been mugged. I need a bail out.

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eric holt
, US
Jul 08, 2016 7:37 am EDT
Verified customer This comment was posted by a verified customer. Learn more

interested

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eric holt
, US
Jul 08, 2016 7:36 am EDT
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How to know if I am apart of the suit, my address has changed, and I no longer have a wells fargo account?

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Beau Pamer
Atlanta, US
Dec 18, 2010 6:11 pm EST

Wellsfargo and any other banks are rip-off businesses. Banks operate depend on fees and sales. Wellsfargo loves profit from their un-experience customers and charged with ridiculous high fees over the minor errors . Wellfargo is very sneaky bank, they learn customer's spending behavior and using a hidden trick by giving extra spending available balance and later charged with devil's fee. Banks pretend to be perfect honest business, never admit its fault. You can't win, be smart a consumer, know your money well before spending it. There is no reason to give them money, unless you are rich!

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TRUKIA58
, US
Mar 08, 2010 6:16 pm EST

Seems to me they must be very busy adding up all the fees and ways to collect more fees from their small account holders...this must be why they treat their customers so badly in their branch offices. Wells Fargo has obviously been on a big campaign to gain a large market share of our local Hispanic community, but once they have accounts the bad customer service begins. It is unbelievable to me the way they treat their customers who feel compelled to come into the branch for teller assistance. Their policy seems to be to keep only one window open for every fifteen or more customers in line and to completely ignore their merchant customers (assigning only one teller while all the other on duty tellers completely ignore the merchant customers) and then close windows for breaks and parties / meetings in the vault during peak hours. The employees aren't there to provide customer service, but to hide from their customers. Ladies and Gentlemen behind the counter...you aren't good at customer service...move on to another job! Don't take it out on us (the customers) we did not choose your career track.

When I have complained, the teller calls over the teller supervisor du jour who then says they will tell the manager. I'm 100% sure the manager never hears about it and the sincerity of this interaction is non existent...they must hear the same complaint all day, but don't seem to be convinced they need to improve.

Take your money to a local credit union. Wells Fargo, BofA, Chase...they are all exactly the same...use a credit union.

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jcampa
Odessa, US
Mar 25, 2009 5:08 pm EDT

the same crap is happening here in odessa texas, i just checked my account and an item i purchased that was on there a couple days ago is now not there and is showing i got money in the bank but i don't and now i will be hit with an overdraft fee and i thought i had the money in the first place. I thought online banking would help me keep track of my spending but with what they are doing, i'm getting cheated. Work already is bad enough and money tight without them taking what little i have. Why doesn't texas have a lawsuit going too. They shouldn't get away with this.

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Joe Casillas
Dunnigan, US
Feb 05, 2009 6:56 am EST

something they call yoursavingsclub [protected] because of insuffient funds they took $1.00 and charged ne the $34.00 overdraft.
I have my social security direct deposited on or before the 3rd. of month. Also have a VA benefit on the 1st. On three (3) occasions they docked me Overdraft 06/03/2008 07/02/2008

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compprob237
Napa, US
Dec 21, 2008 9:12 am EST

as I see, your in california. There has a been a case brought up about this and is currently in the legal process as we speak.

if your interrested this is documented on the wellsfargo website inside the "statements and documents" page, far right under "important documents"
http://www.wfblawsuit.com/
a choice quote from the description of the charges: "Plaintiffs also allege that Wells Fargo, when posting debit-card transactions on a day, re-sequences those transactions from highest to lowest and thereby increases the number of overdraft transactions. Plaintiffs allege that these practices violate California consumer protection and unfair business practices laws and constitute fraud, negligent misrepresentation, and conversion. The lawsuit seeks monetary and injunctive relief from Defendant."

believe me, i've had over $1200 in overdraft fees since 2004 because if this exact thing. look at your statements and that is exactly what they are doing, re-orgranizing the charges from most to least so they get the highest number of overdraft fees possible.

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Wells Fargo mortgage

Connie Walker, Mortgage broker, New Port Richey, Pasco County

expected us to close on a house today with wrong information on the HUD statement that she hadn't looked at until closing. Tried to get us to sign with wrong homeowner's insurance amount ( I confirmed with agent that she had the correct amount of $580, not $1, 370 in plenty of time) and tried to get us to pay $1, 120 in points that were to be waived.

She said "I'll fix it later". We said no, get it right. We are supposed to close on Tuesday at 2p.m. We are letting EVERYONE know what she tried and how she messed up our closing and move. Please tell us who to complain to! We are stuck with Wachovia because we have to close by 12/19.

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torie
winston, US
Jun 16, 2009 1:22 pm EDT

Oh heres a good one. I set up a forbearance plan for my morgage . I paid the payment. And when I looked at my checking account. They had not only deducted the new loan amount but took out the original payment as well. Which made my checking acount go overdrawn. Now I have asked them everyday for the past week to refund the money back into my account. I was givin a scheduled date. Well the money isnt there and now they say we dont see that there was a amount taken out. I had to prove it. I have gotten the run around for the past week and Im tired of it. Im my eyes they stoled my money. Especially if they tell me they dont know where it is? Im so disqusted with this bank. People need help not help to take them under. Wachovia is bad buisness

Wells Fargo Customer Reviews Overview

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

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

Another positive aspect of Wells Fargo is its online and mobile banking services, which allow customers to manage their accounts from anywhere at any time. The bank's website and mobile app are user-friendly and offer a range of features such as bill pay, mobile check deposit, and account alerts.

Wells Fargo has also been praised for its customer service, with many customers reporting positive experiences with the bank's representatives. The bank has a dedicated customer service team that is available 24/7 to assist customers with their banking needs.

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

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

Wells Fargo In-depth Review

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

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

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

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

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

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

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

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

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

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

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

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

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

How to file a complaint about Wells Fargo?

1. Log in or create an account: Ensure you are logged in to your ComplaintsBoard.com account. If you do not have an account, please register by providing the necessary details to create one.

2. Navigating to the complaint form: Once logged in, locate the 'File a Complaint' button situated at the top right corner of the website and click on it to access the complaint form.

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

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

  • The type of service or product you were using from Wells Fargo.
  • Specific issues with account access, transaction problems, customer service interactions, or any other grievances.
  • Chronological order of events, including dates and times, if possible.
  • Any communication with Wells Fargo representatives, including phone calls, emails, or in-person visits.
  • How the issue has personally affected you, such as financial loss or stress.
  • Steps you have taken to resolve the issue and Wells Fargo's response or lack thereof.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, receipts, or statements. Be cautious not to include sensitive personal information like social security numbers or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, clearly state what resolution you are seeking from Wells Fargo, whether it's a refund, apology, or another form of rectification.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to the best of your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click the 'Submit' button to file your complaint against Wells Fargo on ComplaintsBoard.com.

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

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Contact Wells Fargo customer service

Phone numbers

1800 869 3557 +1 (800) 378-0575 More phone numbers

Website

www.wellsfargo.com

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