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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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7:45 am EDT
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Wells Fargo unethical practices

During the past year and a half; Wells Fargo Home Mortgage have been charging for services they've instituted through a private company that they've said visits our property each month to check and review whether ot not we are still living at our residence. The amount which is added to our monthly payment is an extra $40.00 added to our mortgage payment. We do not know who this company is or why Wells Fargo has added this amount to our mortgage payment. We feel threatened and do not know where to turn or who may be able to help us or stop these unethical practices that Wells Fargo Home Mortgage is allowed to do.

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Knowledgeable in Southern CA
La Jolla, US
Jun 15, 2011 4:59 am EDT

Titanium Solutions is a company comprised of five exiled Vice Presidents & General Managers of Wells Fargo, Bank of America/Chase/JP Morgan, Wachovia Mortgage and Lending Tree. It is strictly out of politics that Titanium Solutions exists, pressing colleagues of former employment to keep them in the loop of profitability and is at the expense of borrowers, those applying for home loan modifications.
After submitting all documentation to your lender for a home loan modification, your lender sends Titanium Solutions to your home, threatening if you do not sign your home over to Titanium Solutions, your home will foreclose immediately.
When Titanium Solutions, Wells Fargo Financial contacted us, we were given instructions not to contact an attorney and not to communicate any further with our lender, if we wanted to have our home loan modified. Titanium Solutions then came to our home & threatened, if we do not sign our home over to Titanium Solutions our home will foreclose immediately.
Titanium Solutions states on their website that they only recruit licensed realtors and this is not true. Realtors presumably licensed & desperate to obtain listings, will sign on with Titanium Solutions and pay their online course for $150 to get referrals of borrowers attempting to modify their home loans. Titanium Solutions then sends a rep to contact the borrower with instructions to the homeowners, to sign their home over to Titanium Solutions with the threat that if this is not done right then; the borrowers home will foreclose immediately. If you do not do this, the rep will take a snap shot of the front of your home that Titanium Solutions pays $25 to the rep to do and $50 if the rep can bluff their way into your home to take interior photo's of your home and $100 to the rep if the homeowner signs an agreement surrendering titile of their home to Titanium Solutions, making you no longer the homeowner. All of this is at the expense of the homeowner/borrower/modification applicant, tacked onto the loan amount.
After we qualified for our home loan modification and fought off Titanium Solutions, we received several calls from Wachovia Mortgage/Wells Fargo newly formed "Liquidation Dept." (our caller ID also showed: World Savings) instructing that we send $100K to our lender for them to proceed with our home loan modification. Going to Mike Heid's Office, co-president of Wells Fargo, this was of course denied of any such doing on their part. Even though we recorded the phone calls, dates, times and the names of the individual/s making the demand.

This is not part of President Obama's Home Recovery Act, to help homeowners keep their homes.

While it is not permitted for the lender to post a "sale date" on the borrowers home while applying for a home loan modification, our lender did post a "sale date" to foreclose. They "postponed" the "sale date" when we brought this to their attention and found that they had us continually re-apply for our home loan modification first with HAMP, then their in-house MAP1 and more recently MAP2 each with different specifications. As we were continually put off, we asked why and never were told. This is while the lender continued to add late fees & attorney fees to our loan that now precludes us from obtaining a home loan modification as our principal balance is now higher than what our home is worth. Questioning the "attorney fees" our lender said those fees accrue from the reconveyance company. Inquiring with the reconveyance company, they have no attorneys and do not tack on additional amounts of the loans as they are only the process servers.
It is safe to surmise that federally funded lenders have their own agenda separate from making home loan modifications and that equate to their making windfall profits at the expense of borrowers. It is fortunately, President Obama is now aware of this and has stopped incentives for these lenders; making an effort to control unscrupulous loans not intended to help homeowners keep their homes.
Suggested is to go to a membership owned lender such as a credit union, where you will not find they are far more ethical and not federally funded. Those few that obtain home loan modifications are required to agree to automatic monthly mortgage payment withdrawals from borrowers' checking accounts and then a balloon payment. Bank of America is notorious for arbitrarily stripping its borrowers checking accounts and asking questions later.

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12:40 pm EDT
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Wells Fargo bad customer service / failed to close loan on time

In early June 2010, my husband and I were pre-approved through Wells Fargo for a home loan and we contracted with a builder to build a house for us in Texas, where we are relocating due to a job promotion/transfer. Mid June, we sent the info that our mortgage consultant, Beau Taylor, requested. Beau tended to be very hard to reach. One email stated that his girlfriend's grandfather was in the hospital and that his assistant might be contacting us, but she never did and we couldn't reach her at the number Beau gave us. Toward the end of July, we were asked to submit another series of information to our lender, which we did. The loan was set to close Aug. 20, our family was set to move from Oregon to Texas the week before. In early August, my husband started trying to contact our mortgage consultant so that we could better coordinate our move. He emailed, left messages, even went to a branch to try to get ahold of someone. Even the employees at the branch were unable to reach anyone at his particular office. Red flags started going up. We didn't hear from him until Aug. 11, when he replied that he was waiting to hear from underwriting and that there was a bit of a 'cluster' (whatever that means). We were relieved to hear back and that the loan was in underwriting. But then we didn't hear from him again until Aug. 19 (the day BEFORE we were supposed to close) that he needed several more items and that some of what we submitted in July needed to be resubmitted. It is now August 31 and they continue to string us along and tell us it 'might' happen at the end of the week 'if' underwriting doesn't need anything else. They offered us a month's mortgage payment to our favorite charity and $1000 off closing costs, but they have been so hard to get ahold of and impossible to get a straight answer out of, that my husband has decided to go with our realtor's independent mortgage guy, who says he can get us 1/2 percent lower interest rate and lower fees, and close in 7 days! We will NEVER use Wels Fargo for a mortgage again!

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Jen19802121
, US
Sep 02, 2010 8:52 pm EDT

I completely agree. Wells Fargo home mortgage is the worst company I have ever worked with. I am a realtor in CT and one of my clients used them. We dealt with a guy by the name of Roberto Carleo. Worst loan officer I have every worked with. He could care less about the closing the loan, never returned calls and when I would call him more than once a day to get an update he would send me an email saying stop calling me. HORRIBLE. Don't ever use this company especially this guy!

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12:29 pm EDT
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Wells Fargo deceptive company/scammers

In 2009 I saw we were going to have some difficulty paying the mortgage so I called wells fargo to ask for "help". We had always been current. I had lost pay for 2 weeks so me, "doing the right thing" thought I would "reach out" for help. Yeah right! First the idiots told me I may qualify for a modificiation and I was said I was interested in the hamp; they told me they were not doing that yet but would work with me. I had heard about obama's plan earlier and thought everyone was doing it then. So I put together all of my paperwork, faxed it in as they asked and they had said that I could hold off on payments while they reviewed my file; it would take 30-45 days. So we waited and I called in every 2 days to check the progress. They always told me the same thing... It's being reviewed. Then one day I called in and they told me that my file was "inactive" because it was not currently dated! No one called me and told me this! So here we go again! I submitted new paperwork and waited and waited again... Then we received a notice from an attorney pierce & associates that we had to pay up $9, 000.00 or we were going into foreclosure and not to deal with wells fargo anymore. I was floored! So we took a hardship withdrawal out of my husband's 401k and had the funds directly sent overnight to them.In the process of this happening (It was a weekend) that next day on a saturday we were served with foreclosure documents at home. My husband told the guy to "get the & ^&^ & out of here!" I then called wells fargo on monday and they said they received the funds. I told them I wanted it in writing that they received the funds, and our loan was current now. I also stated that I still wanted a loan mod. I wanted to go for the hamp. Now they were doing it the cust. Rep. Said and we qualified. Lo and behold I was happy and thought "now we are getting somewhere! I received the modification paperwork and we looked at it and sent it back and were on the program for the 3 month trial period; all was well and then the next month I wanted to know why we didn't get the new permanent mod. Papers; they told me to wait that they should be coming fedex. Well they never came! I called a few days later and they told me the investor does not participate in the program and we were turned down! Again, I could not believe my ears! So here we are at square one! They are saying we owe 12, 000.00 in "back payments" which are, even though we were in a modification plan with them, we still owe the difference between what the "real" payment would have been and what the modified one is and then all the fees, late fees, attorney fees, etc. ! We submitted our paperwork via fax again and now are waiting for a response. I called yesterday for a status and this idiot told me that we had to be prequalified before the papers will be submitted to the underwriter people; what? I already prequalified! I told her! That's why we faxed over the papers last week. Then I tried to go over where that 12, 000.00 is coming from and she didn't know what she was talking about so all we did was go round and round in circles. We had gone through bankruptcy last year and was discharged from all debts. We could easily walk away from this house and that would be it. We want to do the right thing however and don't want to have to move because that's a pain in itself. We are stuck and god only knows our outcome. So we sit and wait...
I am writing my story to the president mr. Mark c. Oman who is now ceo as well of the mortgage co. And who is the "leading originator and servicer of residential mortgages, servicing one in every seven mortgage loans in the u. S. And leads the integration of wachovia's mortgages as well (They merged earlier this year).

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rose farmer
Cape Girardeau, US
Sep 19, 2010 12:28 pm EDT
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I am so sorry for you, we went thru similar with WF. ow can they get buy with doing so many people wrong and the govt. not step in and make them accept loan modifications?

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LKD62
Godley, US
Sep 12, 2010 10:11 pm EDT
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I am in the same boat. My husband has small cell lung cancer and is on permanet disablity, which is less than $1500. a month. Our mortgage was $672. a month. I asked for a loan modification in May of this year. I too checked frequently to be told it was being processed. In August, I get a phone call saying "Why have you not made a payment towards the temporary forebearance agreement"?. I said "what agreement". It seems that in June we were granted a temp. forebearance agreement, but the paperwork was not sent out. We recieved paperwork on August 12th. I made the first payment at the new amount (or what I thought was the first payment) on September 3, when the social security disability hits bank. On September 9th we get a call saying you owe $2687.79. If it is not paid by October 5, they will start foreclosure. I said what about the temp. forebearance? She said oh, you defaulted by not paying June, July and August. I said how can I pay something when I didn't know about it until August 9th? She said resubmit paperwork as it is out of date now. I did that on September 9th. From what I have read, this is going to be an on going fight. Her last comment was cut back on expenses, when we had just gone over the fact that we can't pay our utilities and mortgage. What would I cut back? She said well, just try. We get food stamps, have an autistic adult child, and custody of two young grand children. Of course we get not a dime from either parent. When we do get some child support, the state of Texas gets their cut first because we get a whopping $128.00 a month in TANF What a mess. If anyone can tell me anything good about this situation with Wells Fargo, feel free. My email is kittykatkay62@yahoo.com God Bless all of us.

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9:09 pm EDT
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Wells Fargo insurance

Received a letter in the mail on 8/30/10 telling me that I have to prove I have car insurance or they would buy Collateral Protection Insurance. They give you a website of www.ihaveinsurance that does not work. I showed Wells Fargo my insurance when I got my loan. So, I am going to call USAA and have them call so there is a record. What kind of company is this? Well Fargo needs to be investigated for shady practices.

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Maureen_S
Mountlake Terrace, US
Dec 19, 2010 8:14 pm EST

Listen - after several unfortunate years of dealing with these crooks, I have to say that you are one of the lucky ones. They have for years attached insurance to my loan when I had repeatedly sent proof of insurance to Balboa and Wells Fargo Auto Finance. They insist I don't have insurance, have zeroed out multiple payments that I have made and went as far as illegally reposessing the car. Not to mention attaching a number of late fees when the loan has been paid on time for over four years. Luckily, the car is now totaled so INSURANCE is paying off the loan and they are out of my life. This doesn't mean that there isn't action that can be taken via their corporate offices. Someone needs to alert the higher ups what the varoius collectors are doing because they get brownie points for collecting obscene fees and attaching this Balboa to loans even when proper insurance exists. They're in bed with Balboa and the US Government and have an obligation to continue to be theives. This will stop once they have to truly compete in a free market but in the meantime, several class action suits have been launched.

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7:06 pm EDT
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Wells Fargo fraudulent charges

After nine years with Wachovia Bank, I have had about four separate incidents where an unknown company withdrew money from my checking account. I contacted the Card Services/Fraud Department and I reported that I did not know anything about this company and did not authorize the debit from my account. They would refund my money, but after the fourth incident the csr in card services threatened me that my account would probably be closed because I reported this fraudulent activity. Yes, it happened, I was contacted by a nasty member of the Wachovia "Fraud " team and told me that she had closed my account and she would re-open the account briefly for me to get my money out or I would lose it. This very pleasant team member is Kimberly Roach and boy is she a "JOY" to converse with. She informed me that since 2004 that my account has been compromised four times and therefore it would be closed. People, these incidents were never over $50 and I was totally shocked. Since then, I have learned that WACHOVIA BANK is a very fraudulent company and will do anything to overcharge you in overdraft fees, even withholding your direct deposits to throw a few overdrafts in to make some money. This is robbery and
I will tell everyone I meet how they operate. The more I think about this, I think the "unknown" company was a division of Wachovia. PEOPLE BEWARE!

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John Conner
bourbon, US
Aug 31, 2010 1:16 am EDT
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I have been using Wachovia for years and have never had any of the problems that you mention. I have disputed several charges and have never received anything but excellent service from them. It sounds like there is more to the story than what you are saying.

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2:23 pm EDT
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Wells Fargo loss mitigation settlement

I applied for an loan modification, and was approved June 30th 2010. I sent all paperwork on time certified mail, including fees had to pay. I have paperwork stating new amount, new int. rate & due date. My 1st payment date is around the corner, I have come to find out that a settlement has not been done, my account is still active, and this is hurting my credit tremendously. I have called my loan adjuster numerous of time and left several messages for a call back. I have not received a call, other adjusters who have tried to help all they could do is say will email adjuster to call you, when ask to speak w/ manager get a run around. I need this fixed asap or let me know something?

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Wells Fargo forclosure / hamp

RE: Wells Fargo Home Mortgage
PO Box 1033
Des Moines, IA 50306
Loan # [protected]

Home Equity Solutions
Mac P6053-022
Portland, OR [protected]
Loan # [protected]

To Whom It May Concern:<

We respectfully request the opportunity to do a Deed in lieu of foreclosure on our property due to hardship suffered from job loss on April 10, 2009. We notified you on April 10, 2009 lost her job and that we would be able to make our payment for. In October 2009 we placed the residence located at 923 SW 98th St., Gainesville, Fl 32607 up for sale, hoping to accomplish a short sale in order to salvage whatever we can of this situation, our credit and a 10 year relationship with Wells Fargo. However, given recent market and economic conditions, the house had at this point received no offers.
My wife was notified on March 27, 2009 that her job was being eliminated effective April 10, 2009. We called Wells Fargo immediately to see about the Making Home Affordable re-modification/ refinance as our loan is Fanny Mae backed and we were losing one full. They told us we qualified for re-modification, that we would go right to However, when I called in to get clarification on a few things to complete the paperwork on time, we were told that Wells Fargo recalculated some numbers and we no longer qualified for re-modification anymore but could attempt refinancing. That blew 5 months for nothing and it was getting harder to make the payments. So in mid-end of August we began the refinancing process only to hit several bumps. The first was that our debt to income ratio was 6% higher, so we had to crunch some numbers, figure in any extraneous funds to get it into underwriting. This was a given since we are now down one income. Underwriting passed it on to a second underwriter because it was tricky. Finally we moved on in the process until the FEMA map showed us in a flood zone.
We debated it because we bought the house in March of 2006. At that time we were not in a flood zone and have not carried flood insurance for the 3 years we have owned this property. However, the maps were rezoned in June 2006. We were never notified by the county or by our homeowners insurance company. We could not afford an elevation survey to determine where in the premium spectrum we would fall. Allstate told us that our monthly insurance premiums would be anywhere from $200.00 to $400.00 additionally per month So now our mortgage payment was going up not down, defeating the entire purpose.
Then, Wells Fargo came back saying: 1) to continue the process of refinancing, we had to purchase flood insurance for 1 year in advance and show proof. The insurance will be $1599-$4000 annually. Which means instead of now saving $160.00 a month on our mortgage payments by refinancing that our payment will now increase anywhere from $200 - $400 monthly. How can we pay that much when we can't make our current payments now? 2) Now that Wells Fargo has been notified of the map changes regarding flood zones, we received a letter saying Wells Fargo wants flood insurance on our current mortgage giving 45 days to obtain it. So we are realized we were done. We have tried in very good faith to make this work. We called our lender as soon as we the suffered a job loss. We maintained weekly contact with them for 5 months only to learn that re-modification was no longer on the table but refinance was an option. We made a healthy attempt at refinancing until our payments were going up, not down. We struggled to make our payments on time and remain current from the date of job loss until the due date of the second mortgage payment on September, 15, 2009, for six months. In October, we moved out placing the property on the market opting for a short sale. It saddened and devastated us to have to lost our home but being the responsible homeowners we have been for more than 8 years with Wells Fargo both here and in Dallas, TX we did everything we could to salvage whatever we can and get as much money to pay off as much of our debts with Wells Fargo as possible. These two mortgages do not have PPI. However, the short sale did not come to fruition initially. We have lost our credit which in March 2009 was in the high 700s to almost 800 for both my wife and me. My wife's father died of Cancer Thanksgiving Day 2009 and my Mother -in-law came to live with us in January 2010. In February 2010 the house went into Foreclosure officially, . In march 2010 we were contacted by Scott R. Lin, Esquire
Florida Default Law Group, P.L. 9119 Corporate Lake Drive, Suite 300, Tampa, Florida [protected]
Because on March 23, 2010 I wrote to him and the Alachua County 8th Circuit Court requesting Deed in Lieu because my wife was was still unemployed when Yet, Wells Fargo said they has no idea who he or his firm was nor that we had requested a Deed in Lieu.
Here it is March 2010 and my wife is still unemployed collecting unemployment compensation. Please just accept the property in exchange for any debts owed. There is nothing more we can do short of filing bankruptcy. If we have to, we will fill bankruptcy but there is enough damage to our credit histories as it stands right now. All this because of a job loss and a mortgage company who did not act fast enough, seriously enough or care enough about us. We did the right thing from the moment of job loss and while in the end, Wells Fargo feels let down, so do we. Our lengthy relationship, excellent payment history and reliability meant nothing when we needed help the most in order to maintain our monthly payments and continue to be reliable customers. In April there will cease to be any home owners insurance covering the premises through Allstate. We are no longer responsible for property taxes. If you decide to pursue foreclosure please furnish us with a paper copy of the deed held by Wells Fargo. No deed was ever provided. The Deed in Lieu was Denied.
Damage Resulting : Then in April 2010, foreclosure continued. We also had a buyer for the property which was listed for "Short Sale" at this sale time, however while the buyer provided a" Letter of Pre-Qualification", they were applying for a mortgage with Wells Fargo. During the 30-60 day period of negotiations, Wells Fargo did not "Suspend"" the foreclosure process, it continued. In May 2010, we were notified that Wells Fargo DENIED the prospective buyer a mortgaged so the prospective sale fell through. On August 2, 2010, we received notification that the property would be placed up for PUBLIC AUCTION on August 27, 2010 at 10 by Wells Fargo. On Thursday, August 20th our Realtor Mariella Varella and myself contacted Wells Fargo and re faxed all currently dated paperwork because we had two current offers on the property. We were told a HOLD ON THE CURRENT AUCTION WOULD BE PLACED ON THE PROPERTY. On Thursday, 8/26/10 we were signing on offer for $125, 000 CASH from a BUYER (50% of the current mortgage value) and the legal representative from the mitigation department of Wells Fargo had assured our Realtor that t|THAT THE AUCTION WOULD NOT TAKE PLACE at 10 am the next morning because a reasonable cash offer was on the table. Then on Friday, 8/27/10 the seller called Wells Fargo to find out how the offer was going when he was told that "We're sorry, that property was sold at auction at 10 am this morning." We have done everything within our power to try to work with this mortgage company and they have sabotaged us at every turn. Lost paperwork, paperwork never received, authorizations never received, listings missing, That house was listed on the market since October 1st 2009. Now we are going to have to declare bankruptcy. I lost my job March 2009. We called Wells Fargo the day I lost my job to alert them to the situation like good customers do. I am still unemployed, my father died on Thanksgiving Day 2009 of Cancer, my mother has since moved in with me and I have
lost every thing, every thing. They have done nothing, nothing to help us and we were customers of there for over 10 years who were in excellent standing. All they did was delay, and waste precious time, time we did not have. They should not be allowed to get away with this We started out trying to do payment reduction then 5 months later were told "oh no we made a mistake, you don't qualify for that, try applying for mortgage re-modification, " It be came one big giant game until we were out of money. All the while my father was dying and I was losing my house! From reduced monthly payments to mortgage re-modification to trying for deed in lieu to short sale until there was nothing left but we never, never walked away. In fact, Wells Fargo Walked away from two short sale opportunities, one of them a cash option worth $125, 000 dollars. There has to be someone somewhere who can do something about this.

Dani Willett
[protected]
[protected]@cox.net

What do I do now?
Help ME Some one please?

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Julie Ragonese-Willitts
, US
Nov 19, 2016 2:01 pm EST

My father purchased a home in 2010, a mother/daughter home so they had a place to go to when they came up from Fla. The mortgage was & still is with Wells Fargo. Unfortunately my father very unexpectedly passed away in 2012 and my mother, who was diagnosed with Alzheimer's/Dementia, came to live in the home my father purchased and we have been living at and paying the mortgage from day 1. We were told to go through the assumption department to assume the mortgage which Wells Fargo said it wouldn't be a problem since it's nothing like going through the purchasing process. We were then told, after being switched to a new loan assumption person TWICE, that even though my husband makes 6 digits a year and the only credit we had, and I repeat HAD, was our oldest sons school loan, "WE DID NOT HAVE ENOUGH CREDIT BUT THE CREDIT SCORE IS REALLY GREAT" that we needed to get 1 or 2 credit cards, make the payment on them for 6 months to a year then reapply again, we did... and got told "we have to much credit out now". We've done everything we could to try & have the home we have been paying for, even with the monthly payment going up every year since my father passed, my mom who needed 24/7 care, myself being disabled but not collecting any money, not receiving a penny from my sister who was taking care of my mothers expenses, and she passed here at home, with us. Wells Fargo also told us that since it's an FHA loan, that makes it easier, and the fair market value of the home now is almost $30, 000 less than what's owed on mortgage. Stuck between a rock & a hard place. We've put a new heater & a new central air condenser in along with a completely redone with everything new bathroom, so it's not like we're just sitting around. Wells Fargo is just a lousy bank & even worse mortgage company. We were told to just walk away, but I can't do that knowing it would not only tarnish his name even though he's passed away, but they would also come after us for the amount owed after it was sold and also go after my parents estate even though my name isn't even mentioned in their wills & neither is this home, my father meant to but didn't change the will and passed away unexpected. If someone can help with advice PLEASE LET ME KNOW.

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scwidow
, US
Dec 15, 2015 3:22 pm EST

I am currently being foreclosed on by Wells Fargo Home Mortgage. My husband died unexpectly and they went right to my jugular! I have my Congressman, Trey Gowdy assisting me in getting an investigation started in their unreasonable demands and under handed ways. I was asked to provide Wells Fargo Home Mortgage with a deed in my name withing 7 days. My late husbands estate is still in Probate. I did get the deed transferred and sent the paperwork I received from the county, notorized of course along with a page where it showed me as owner of the property.
After waiting more than 6 weeks for them to approve my paperwork as I was told they were "behind", I contacted the CFPB with my complaints which are many against Wells Fargo Home Mortgage. I recevied a letter from a Senior Vice President stating that they would have an answer to my complaint within 7 days. I heard nothing. I contacted the CFPB and was informed that Wells Fargo had asked for an additional 60 days to reply. I was mailed formal foreclosure papers and received them a few days ago. They can't answer my complaints but yet they pulled the trigger to foreclose? Seems strange. I have been charged large fees, had payments returned and can't get any answers. Be careful! This bank likes to string you along while the fees add up. I guess they are waiting until Christmas to give me a sale date on my property. I am living a nightmare.

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Gladword
Asheville, US
Apr 28, 2012 9:50 pm EDT

What a horrible experience! I am not quite ready to write my story, yet, but I expect an official notice of foreclosure any day now. Wells Fargo is, indeed, guilty of unethical, fraudulent and nefarious business practices. I am in touch with an attorney who is a specialist in this area of law. I will be sending her some preliminary info, today, 04/29/2012.
Thank you for telling your story. It is sad and frightening to realize there are precious few corporations who are not out to sc__w us, so they can continue to buy our (?) government.

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ja8669
San Marcos, US
Nov 21, 2010 3:59 am EST

The bankers are crooks. They are getting richer while the middle class gets poorer. We are getting more and more like Mexico's two class system. The middle class is becoming extinct.

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8:23 am EDT
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Wells Fargo delays

Late June we started to refinance our home mortgage with WF and our "home mortgage Consultant" Beth Patterson has been difficult to deal with to say the least. Usually will not return calls, doesn't know answer's and now our lock is past, but should be good for us as the rate went down. But I can't get her to return our calls. Because they are not helping us, is there any recourse for us to get our appraisal fee back from WF due to their negligence? We had paid $400.00 for it but I think we will be better off going thru a mortgage broker who has said it would be done in 30 days.

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750 Credit Score
Tecate, US
Oct 08, 2011 6:06 pm EDT
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On April 21st and May 9th I posted comments on this site regarding problems with Wells Fargo. Since then I have written a number of letters to Wells Fargo and the Comptroller of the Currency and spoke with several, higher-level people with Wells Fargo. I have the names and addresses of the bank vice presidents if anyone wants to write letters. Wells Fargo's bank president is John G. Stumpf. His work address is: Wells Fargo Corporate Offices, 420 Montgomery St., San Francisco, CA 94104. His home address is 1090 Chestnut Ave., Apt.12, San Francisco, CA [protected].

For Wells Fargo it all comes down to taking your money and not honoring the interest rate that they promised. They refuse to refinance my mortgage that is already with them and they will not give me a refund of the $609 they took from me. Michael Salmon and Michael Dullea received their commisions as well as the title company and appraiser. Believe me, these people are liars and cheats and will wear you down. Wells Fargo does not have to answer to anyone. The Comptroller is a total joke and will just refer you back to the bank to resolve the issues. I am continuing to fight and may have a large number warning posters printed up and put on cars in their parking lot. For me, it's now a matter of principal, not money.

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bbarcher
, US
Apr 02, 2011 1:50 am EDT
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Have a similar situation with a 203K loan. I echo your sentiments. Poor communication, either incompetent or worse, unscrupulous. Have fronted 900+ and will leave it unless they close this quickly and immediately. My only consolation is that after nearly four months they've put that many man-hours into something that won't come to fruition

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Wells Fargo bill pay

Wells fargo has gone down hill. I've been a customer for 19 years and i'm fed up! Run as fast as you can from this bank! Do not open an account.

1. I used their "bill pay" to transfer $3, 000 to another checking account in another bank. I was told bill pay can be used for this, and I did it once before and it worked fine. This time, it didn't work. The money left my account, and never arrived at the other bank. No transfer and the money is gone from my account. They aren't looking into it immediately, or even after 24 hours. They're giving themselves up to 10 business days to resolve it! Meanwhile, i'm out the money and am bouncing checks.

2. Their customer service is horrid. Arrogant and smug. No help at all. Many menus and eventually you get a low level person who sends you to the next higher low level person. You never get to talk to the upper management even if there is a crisis. They treat all problems without urgency or care.

3. I went into a branch. The employees there (Hired under "affirmative action") were yucking it up in the back office. Then, they yucked it up at the teller window and insulted a customer. And the joker-teller handling the drive up window was openly complaining about his customers, and at the same time singing out loud. Sooooooo unprofessional.

4. Another branch had mostly somalians working whom couldn't speak clear english.

Run as fast as you can from this bank!

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Bethv
Royse, US
Mar 11, 2013 11:36 pm EDT
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I used bill pay to pay my health insurance. To my surprise 45 days later I received a letter of termination from my insurance due to non payment. I have a serious disability and have COBRA. It's crucial I keep my insurance current. I was also in need of medical attention. When I looked at my statement I noticed Wells Fargo deducted the payment from account even thought the check was never cashed. I have emailed them and called them for 3 days now. I had to send my insurance company another check as well. Wells Fargo will not credit me back the money even though the check was never cashed. Now I am out that and the payment I just sent and this months payment. In other words, Wells Fargo stole money from me. I told them to stop payment and credit me the money. My insurance company said they never received the check. They say it's a process. I will be switching banks. I just changed to this bank a month ago. Wells Fargo is horrible and thieves!

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CM1986
Winnipeg, CA
Aug 26, 2010 4:27 pm EDT

If you get your money back, close the account and move towards a credit union :) their bank accounts have less fees and won't mess about.

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Wells Fargo refinancing nightmare

My mother and I have a Wells Fargo mortgage on a house we bought over 4 years ago. Since all of our bank accounts have been at Wells Fargo for almost 10 years, as well as having excellent credit and sufficient income, we had no problem securing a mortgage back then. I decided it would be prudent to refinance when rates plummeted earlier this year. So, I initiated the process in February with the same person we used before. That's when the nightmare began. After paying them a $500 application fee, they kept asking for the same documents (tax returns, proof of passive income, utility bills, etc.) on a near monthly basis. Sometimes they'd ask for a new document or two and have another excuse for the delay. Rate locks came and went. After six months of being jerked around and driven crazy, I put an end to it. Wells Fargo isn't interested in lending -- only looking busy and trying to give the appearance of being a lender. I can't imagine how I'd feel if we'd really needed to refinance. The following is the final email exchange with Wells Fargo.

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Subject: Your loan
Date: July 21, 2010 10:27:45 AM PDT

Ramona, I know this loan has been conditioned to death. I just received the newest condition list. Please let me know how you want to proceed.

The following are conditions:
Need asset verifications. Bank statements all pages.
Most recent one month paystub for Ramona.
2008 & 2009 tax return for Yun all pages. We cannot get any response from the CPA at all.
Need the pension letter for Yun. I have the SSI but not the pension one.

These are the remaining conditions. Please let me know as soon as possible if you want to proceed. I know this process has been so long. I am so sorry I don't control what the underwriters keep asking for.

Sheryl DeLeon, Mortgage Sales Associate
Assistant to My Hoang and April Reichert Mortgage Wells Fargo Home Mortgage

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Sent: Wednesday, July 21, 2010 1:45 PM
To: DeLeon, Sheryl A.
Cc: Hoang, My N.
Subject: Re: Your loan

Dear Sheryl,

Wells Fargo has demonstrated that it is obviously not interested in offering us a refinance. Like a broken record, I'll say if this loan hadn't taken so long, we wouldn't have had to keep submitting the same documentation, although occasionally there'd be a new roadblock thrown in just to liven things up. To throw even more gas on the fire, yesterday I got a sales call from Donna Dalton of WFHM offering a 30yr, no closing cost loan @ 4.875.

Unfortunately I can see now that this process will never end. While I thought I was beyond frustrated before, this last request is truly the nail in the coffin. So Wells Fargo, you win. We give up. Here's how I want to proceed: my mother and I hereby cancel this refinance application and will be on the lookout for opportunities to sever ties with your bank. On the bright side, I'm glad Wells Fargo's arrogance and disgust at helping customers has been revealed to me. This was no way to treat your customers (who are also essentially investors).

I'm sorry it didn't work out. I know it isn't yours or My's fault at all. If by some miracle the application fee can be refunded, please credit the WF PMA account we have.

Sincerely,
Yun Moi & Ramona Okamoto

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Subject: RE: Your loan
Date: July 21, 2010 2:12:30 PM PDT

I knew that would be your reaction and I am so sorry, truly. I have tried to get this one done without having any thing more needed but I can't beat the system in place. I will have the money refunded back to the credit card we processed it with less the credit report fees we have been charged. Again I am sorry. This is not how I want the company I work for perceived. It is very disappointing. Thank you Ramona!

Sheryl DeLeon
Mortgage Sales Associate

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doraemon
Seattle, US
Apr 02, 2011 7:20 am EDT

Hey there I'm experiencing the same problem. I decided to refinance my mortgage with Wells Fargo in August 2010 and it is now April 2011 and I'm still stuck with their craps. It is a nightmare, they kept offering an agreement for a loan then at the end they say they can't do this type of loan and offer us something else. This trick keeps repeating. I'm still not giving up because they are fooling with me and trying to keep jack up the rates. I also gave them $500 and the manager is now offering a full refund. I'm looking to suit them. So you canceled your loan? You may contact me at i4hana@yahoo if you like. I know how you feel because I'm in the same situation. It is ridiculous !

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Wells Fargo wife given statements of husbands personal account

My wife and I were legally separated. She walks into a Wells Fargo branch give her drivers license, and asks for the last 2 years of statements of my personal account. They immediately start printing them out for her. We have a a joint checking, a joint savings, a couple of credit cards, along with a second on our house. But my personal
Checking is authorized by me and me only. Yet they gladly hand them over without seeing who is authorized on the account. She then uses them in divorce court and submits them to the judge. Wells Fargo was never supeonaed. Do I have grounds for a law suit?

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jessica
,
Jun 16, 2007 12:00 am EDT

We purchased a car with WELL FARGO in 2017 and have had no problem until about a month ago. They are claiming to have not received a payment from us but we had a bank statement that saids WELL FARGO clear as day. The also added there insurance on our payment because we twitched and they claim they never received verification. My husband has been hung up on and every time I call and speak with someone they can not do anything for me. What can I do?

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Fed up with banks!
Boynton Beach, US
Jun 24, 2009 2:55 pm EDT

Last year my husband decided to purchase a new car. Wells Fargo offered us the best rate with the least amount of hoops to jump through due to "state of the economy". So, it was a done deal. Here it is 8 months later, never late on a payment until last week when my husband forgot to make the payment. When he did make the payment, it was two days after the due date. No problem so we thought! Well by the 3rd day, they were calling my husband and I, what seem to be none stop, for the next 2 days "where is our payment?". My husband explained that he had made the payment online 2 days after due date gave the woman the confirmation number. Again we thought, "wow, don't be late anymore and what happened to "grace periods"?"! The following day, they began calling again asking "where is our payment?". Again my husband gave the confirmation number in a unusally calm manner. Next, he began arguing with the woman. Ten seconds later, he put her on speaker phone. She was verbally abusing my husband, who later explained he started aguing when she began saying we didn't make our payments, we were lying in an abusive tone. Twently minutes later my husband was continuing to ask for a supervisor. The woman stated "You have no reason to speak with a supervisor. You should pay your bills and they wouldn't need to call". Never I have endured such abusive behavior from a business perspective. I am ashamed to have given 3 years of my professional banking career to these people. Amazing how people change in just 10 years.

We have to stop this banking madness!

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jtmonny81
Lawrenceville, US
Jun 30, 2011 3:24 pm EDT
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i apply for a loan with well fargo in feb. of 2017 and got my pre-approval letter, found a home got an appraisal and set a closing date for June 30, 2017 recieved a call on June 28, 2017 that my loan had been deny. ask why they stated because my 2017 disclosure income did not march up with IRS record. is this not just a BS. they has more than 3 month to verify those information. which i agree becuase my tax consultant made an error disclosing less of the my income to Irs. i had an amendment file in May, 2017 and provided prove of the amandment being recieve by Irs. but some jack dicided he just going to be a jack. this is the worst company and i am going to sue them for discrimnation under the fair lending act and reform off all myexpense during appraisal and other requirements they needed including compensesion for incovienance and a $1000 for my excort diposite . will not recommend well fargo to any one in regards to banking affair or loan or any thing at all. beware and stay away form well fargo. BEA

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sonya flegel
Big Rapids, US
Jun 03, 2010 1:52 pm EDT

We have a mortgage through Wells Fargo for our rental home. I started receiving phone calls on the 3rd of the month stating this was an attempt to collect a debt. In our contract it states you have till the 15th to make payment. I always pay before that date. Sometimes we do not have the money right away so we have choice but to wait a week to make payments. Now this company will start calling on the 3rd and will call daily if not a few times a day untill you answer the phone. I am tired of these harassing phone calls. I wish they would stop this!

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Holy
, US
May 07, 2010 12:15 pm EDT

I was making payments on the car. I was trying to keep up payments and get caught up on them. I was about to pay everything down and be fully caught up when they sent me a letter about suing me for "$258.66" They then came and repossessed the car over this trivial amount, and demanded payment in full of the entire loan to get it back, a total somewhere around $4200. Their representatives called both me and my mother a liar and told me on the phone that I "apparently was not worthy of having the car." I have lodged formal complaints within the company it's self as well. But I am still unable to get my car over this, and am probably going to have to file bankruptcy over something this trivial.

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khloee13
Fort Wayne, US
Aug 30, 2010 11:40 am EDT
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It was ethical and legal in the state of CA. Community property. She legally owns half of what ever is in there hence the fact she can obtain the statements. Now why would you care unless you were trying to hide those assets?

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richard gavaghan
,
Jun 17, 2007 5:27 am EDT

I would document all phone transactions. I would not stop maintaining a complaint with customer service or collections. I would ask for an audit. I would call their Tracking insurance co Balboa for an audit as well. If you had your own insurance on the car and the insurance co did not list well fargo as the lien holder. Have them notify Balboa insurance of the insurance and adjust well fargo as the lien holder. They probably already placed a collateral protective insurance premium on you. This will increase your monthly payment. You have the right to have the adjustment amount question. Certainly if your paying private insurance too. Thy are real aggressive with phone calls. Try not to hide from the phone calls demand your rights under fair credit law . Take your documents to your State senator office, lodge a complaint. You have a battle on your hands, more people object the better the chances.

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Wells Fargo delaying the mortgage and charging extension fees

I am currently in the middle of obtaining a home mortgage through Wells Fargo. I had signed and lockedthe mortgage rate on June 28th and was told that the closing date should be on or before July 15th. Today is August 23rd and I have not yet closed on the house. My rate expired on August 13 and was told that I had to extend the rate. I refused to do it and requested to for a new loan to be processed and was told that I have to wait 100 days before applying for a new loan. They finally said that they would split the extension with me since the rate was to be extended for two more weeks. Here I am on the second week and it does not look like I will close with the second extension. All sorts of excuses are given. The loan officer wants me to do the leg work of calling the processing department and pushing them to push the deal. I am sick of this. I cannot even pull out of the deal at this point, if I do I will lose my closing costs. Does anyone else have this problem with Wells Fargo? I will never ever recommend Wells Fargo to anyone. This is a nightmare that I am going through with them. Is there a class action against them to recoupe the fees that I am paying for the extension and other fees involved. Please advise. Thank you, Celine [protected].

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bluihapa
, US
Sep 03, 2010 12:12 am EDT
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I am a first time home buyer and Wells Fargo has made it the worst experience ever! Ever! I opened escrow 3 months ago and WF has made every mistake possible. They take no responsibility and couldn't care less. I have done all the leg work and have been fighting every day to keep this deal together. I might lose my dream of being a homeowner next week Friday and WF won't even get back to me.
My rate lock expired in August and they suggested to "put it to float" which of course comes with a fee but seemed like the right choice since an extension sounded expensive. The fees they charge are ridiculous since it is not the Consumers fault the prcoess takes so long. Something really needs to be done about this.
Where do consumers go with these types of problems without having to spend more money by going to an attorney?

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Niko Okamoto
Seattle, US
Aug 26, 2010 3:21 am EDT

Celine, sorry to say I only have worse news for you. After applying for a refinance with Wells Fargo in February, I finally pulled the plug on it earlier this month (August). This is for a house my mother and I own. All WF did was offer frustration, excuses and delays once they got their application fee. After the umpteenth time of asking for the same tax returns, utility bills, proof of passive income, etc. I couldn't take it any more. Several rate locks came and went. I distinctly got the feeling WF had no intention whatsoever of ever processing our refinance. I'm not sure why they have a need to jerk people around like this. We have excellent credit and have never been late in four years with our current WF mortgage. I'm still so angry about what happened that I've told them I plan on exploring other options for this mortgage and all of our bank accounts.

BTW, I initiated a refinance on my own home with Bank of America in December and it closed the end of January (1.5 months), so I was not expecting Wells Fargo to be so utterly balky and incompetent.

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Wells Fargo shady loan practices

I am in the process of renovating my home. I am a teacher with not a lot of extra income. I took out a Home Projects Loan through Wells Fargo to purchase new energy efficient windows for my home. The loan was for $10, 000 which I used $7500 for the windows. I also had a credit line of $1500 for other purchases.

I have never paid late nor missed a payment on this loan. Regardless, for the past two months after my payment is processed, I receive a letter from Wells Fargo saying they have decreased my credit available to the amount due since my credit is not sufficient. I have an average credit score, and have run into financial hardship but have not missed payment on other bills. This action by Wells Fargo has changed my credit score because it looks like I have maximized my line of credit.

Has anybody else experienced this? Do they want to purposely put you into a hole you can't dig out of?

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Wells Fargo credit defense

I am being charged for a service that I never enrolled in.

08/19/2010 08/19/2010 credit defense [protected] g $36.03

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Wells Fargo loans

i had a home in san diego ca.i wanted to buy another in ramona ca.at that time the bank was world savings.it then changed to wachovia.it is now wells fargo.the loan officer told us we needed to take out two different loans.one to take money out for a remodel of the original home.at that time it was worth about $950k.there was a loan of about $440k.then we were told we need another loan for the new home, also $440k.we also had to put down $121k.at the time, the new home was bank owned.we made a lower offer.we wwere told we had to pay the full asking price of $570k.the home was suppose to be worth $652k.we were told at that time because we were going to sell the original home, we should just get 15 year adjustable loans on both.we had planned to sell the original home and pay off both homes.at that time the housing market changed.we could not sell it for that price.so we rented it out.we were making some payment on it, not full ones.but the bank was accepting them.then we had to evict the tenant this year for non-payment of rent.of course wachovia swooped in and filed for a foreclosure process.the home at time was now worth a lot less.we ended up after waitng for them to modify the loan for close to two years, selling the house on short sale last month for $350k.now while trying to keep paying on the other home, we got behind on the new home.but we were only owing about $7k.next thing we know it was jacked up to close to $23k.we had asked for a re-payment plan back when it was about $7k.we were told to fax in lots of documents.we faxed them.now they are telling me today that they did not receive them, we did not call back for phone interview.i called back another person, they say they received the papers but now it's too late so they want to foreclose on the 24th.they told my real estate agent another story earlier today.so now i have to go pay for an atorney and pobably file papers with our DA here in San Diego.plus file a case of elder abuse against Wachovia/WellsFargo.i am sure there was some illegal dealings with the loans.we gave up our other home to save this one.so we will fight to the finish.all we want is to start making our payments again like we were told we could.we offered to send in a large sum, we were told to hold onto it and not send it at that time. this house is now worth $350k, half of what it was suppose to be.so Wachovia/Wells Fargo needs to step up and do the right thing as they promised.we will be filing the papers with the DA on monday and the papers for Elder abuse.i was 69 when the loans were taken out.they for sure took advantage of me.i will see attorney on monday.wish me luck.

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Wells Fargo short sale

Wells Fargo is a horrible bank they cannot conduct any decent business. Their Loss Mitigation Department is the worst. They are incompetent, unskilled, ignorant and unprofessional employees. Their management and leaders are running a scam with the short sales and foreclosures. I had a buyer that was willing to pay cash $290, 000 cash and Wells Fargo took 7 months to approve the offer and the buyer walked away. I have been trying to do a short sale with them for a year and a half and they will just sit on your packages and transfer you from negotiator to negotiator. The second time I got a buyer that offered $285, 000 wells Fargo sat on the offer for 3 months and then denied it. Do not work with Cassandra Bloyer, Deyya McClurkin, Laurien L. Grimes, Vincent Moynihan, they are just a waste of time and don’t know anything about the process and they will send your file back and forth until the time is up and they will foreclose your home. They are not willing to work with you; they are just rude and worthless to deal with. What a horrible experience, I am glad it is over and I won’t ever have to deal with Wells Fargo ever again. Please be smart and do not get yourself trapped by them, they are not there for you or your family they are only in while you show them THE MONEY after that they will not work, cooperate or be flexible with you ever.

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Sulleasley
Portola Valley, US
May 05, 2011 4:08 am EDT

We are having a very hard time with Vincent Moynihan who is not responding to anything we send him but just keeps sending rude emails with deadlines that are less than 24 hours. Despite all the requested documents we send, he says we are being inactive and he threatens to shut the whole short sale process down. Very frustrating!

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Wells Fargo inept, incompetent, deceptive

Stay away from wells fargo bank! My attempt to wire money from my account to a corresponding bank in canada resulted in lost funds, misinformation, lies, abusive behavior by management and failure to make any attempt to solve the dilemma.
My inquiries into what happened to my money were met with made-up excuses, recriminations, and a how dare you question us attitude.
Even the bank manager stated to me to that some employees are not thoroughly trained, which is common in the banking industry. That I and customers alike should expect it, and to live with it!
That made me feel very secure about wells fargo handling my money.
No one, including branch management and upper level managment appologized for my inconvenience, concern and anxiety. No one cared about making any attempt to trace and find out what happened to my money.
I was able to finally meet a non - management wells fargo employee that cared about the customer and not at all interested in false bravado.
She immediatly set about to research and trace the lost wire.
Unfortunatly, after getting nowhere for a week with the so called managers, I now have to wait an addtional few days to trace the funds.
I do not expect the young lady that finally assisted me to advance very far with wells fargo. She is the only one that actually displayed intelligence and compassion. Obviously a rare commodity at this moscow idaho wells fargo branch.
If you deal with wells fargo, get out! If you are thinking about it, don't! If you must, remember that the chance of confronting incompetence is far greater than you think.

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Saint Champion
Cary, US
Jun 12, 2023 11:03 pm EDT
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I wrote a check for my rent to my apartment complex (1260.39). Wells Fargo only paid a portion to my apartment (859.14). My apartment let me know about the discrepancies. I had Wells fargo investigate. The conclusion is on the letter, telling me they withdrew the remaining balance from my account. The apartment told me they still have not received it. After a lot of back and forth with the bank and the apartment, the apartment made me pay the remaining balance by adding it to my monthly rent. So they got their money. Now I have been trying to have Wells Fargo return my 401.25, they just do not care.

I recently went to talk to the Wells fargo banker to call their customer service line for me. As a result, I receive a letter telling me there was no fraud all is good with the transaction. What a crap! Every time you talk to a representative, you never know what will happen next. Each one comes with a different scenario. They told me way before, they were waiting on the Apartment bank (First National Bank) to answer to them, before returning my money. Then, another person said, to prove that I paid the apartment for them to give me back the balance. Even though I thought it was ridiculous, I still went ahead and fax the documents as requested. Then nothing. When I called again, another customer service brought to another reality. The agent was having hard time understanding what was going on and so on. The last move I did was to go to see the agent.

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instamatic
, US
Feb 11, 2019 1:58 am EST
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Looked up "inept" and here I am. I've spent hours online and with a "Representative" (he does represent What WF is). getting not one answer. I opened up a VA Fiduciary account a week ago, no mean feat that took hours and three employees. I could not access the account online, called WF and was told I could never access the account online AND the only thing they would or could confirm was that there was an account number, mine, with F WF, but could not even confirm that it WAS MY FEDUCIARY account.

First thing tomorrow I will be closing this account that I had to open with $25 of my own money, and hopefully will get back in cash.

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Ray UK
Barkingside, GB
Nov 09, 2012 12:11 pm EST
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I thoroughly agree with this posting. AVOID Wells Fargo at all cost (see my similar posting on this site: Incompetence after Incompetence).

As an addition to this posting, one of my Personal Bankers (one of Five I have had in this year of 2012) had such an unusual name I thought I would do a google search on the name. The only info that came up was a Police Mug-shot and a DUI arrest.
I, being in the UK, had never met my personal banker so I did not know if these two people were the same, but when I was in the USA in 2012 I thought I'd have a 1-2-1 with the name.
It WAS him... a very distinctive face.
Of course, barely weeks after our interview he had left the bank (to repeat, one of FIVE Personal Bankers I have had this year) - indeed, the only time I discover my Personal Banker no longer works for Wells Fargo is when their e-mails start to bounce back. Even now, I am still not sure who (in my Florida branch) is my personal banker.

When this bank was Wachovia I never experienced any problems. As soon as it became Wells Fargo, THAT's when the muck started hitting the fan.
AVOID WELLS FARGO at all cost.

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Wells Fargo arrogant, nasty, customer service

My accounts from Wachovia, 4 in all have been sold to Wells Fargo. Wells Fargo in now MY bank! God help us!
Today I put a call into auto financing and spoke to Rubin Flores. I explained I had an abandoned auto on my property and records show they are the Title holder. Several moths ago I had called to have the Auto picked up and was told it wasn't worth it for them. This time I offered $500.00 for the title so I could have a tow truck pick it up and haul it off and sell it for parts. He said hire an attorney! Why would I need to hire an attorney to help them..? He was probably to most ignorant person I have spoken to in quite a while. I guess you don't need a very high IQ for his job! It's ok to be mentally challenged but to be rude on top of it..! Is this what I have to look forward to dealing with Wells Fargo? I will be taking my 4 accounts elsewhere because of his actions.. BTW.. if anyone is in the market for a 03, Ford
Taurus, extremely clean.. contact me.. I'll let you come and pick it up!

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Hate Wells Fargo auto
golconda, US
Aug 30, 2010 10:07 pm EDT

Good luck with your refinance we have been trying to get this done for a week. they are throughing up road blocks and just keep demading more and more money they are soo rude also.

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2:18 pm EDT
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Wells Fargo horrible customer service!

I have been round and round with these rude people! Do NOT finance with them! My daughter helps pay a small portion of the payment and she had some medical issues and and was trying to get caught up on her bills. We were only behind 2 weeks and she called to inform them for me (she has permission on the account). They tell her "Why don't you have the loan with us?" She says, "because its my moms car plus she has better credit anyways" And the man replies "Well no wonder you don't have the loan in the first place. You can't even afford to make any payments." And then he starts yelling at her! I will state that the reason she fell behind was because she had to undergo chemotherapy (which they knew). She was already feeling horrible and they just added to it. They actually almost lost their house with Wells Fargo...but pulled through and was calling wells fargo dealer services about my vehicle just to let them know we fell a couple weeks behind. I was furious, called back, and i was told that if 1 payment is overdue 30 days, they will reposes my vehicle...1 payment! These people were rude jerks. He set up 2 payments to be taken out. One the day before I got paid but was supposed to be taken out after business hours so It would not be taken out of my bank account until the next day and another 2 weeks later...well, he forgot to note the account about the first payment being taken out after hours and guess what!?! overdraft! He also failed to tell me it was a $10 charge for each payment set up... Until I received a letters in the mail describing fees and banks overdraft fees! After calling back to cancel that last payment set up, I was told "i should of known about that"...how am i supposed to know if no one tells me! Anyhow, that doesn't even skim the issues i've had with this company!

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Msjckson
, US
Feb 17, 2016 8:35 am EST

I co-signed for my daughter to get a car with Wells Fargo Dealer Services. My daughter lost her job so I've taken over her payments. I received a call from a young lady telling me that because my daughter didn't have insurance on the car so her payment were no longer $283 but it is now $412. I asked her if the amount of the car payment has changed then my contract must need to be changed as well. I asked her additional questions about the insurance then I stated to her that I would just be paying the $283. She told me that if I paid $283 it wouldn't go towards the car it would just be sitting in limbo. I've never in my life heard of such a thing. When you pay a bill money does not sit in limbo. Clearly she was trying to discourage me from making a payment unless it was $412. She was rude and ghetto and then went on to say that the car still has a $14, 000+ balance. Of course it still has a $14, 000+ balance. She has only had the car a year and as with any car, the first few years you are basically paying the interest amount. At any rate, that has nothing to do with them trying to force us to pay car insurance which is completely separate from the car payment.

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Phyllis W. Allen
Fort Worth, US
Apr 20, 2012 6:32 am EDT

I had my car financed with Wells Fargo Auto Finance for four years and I had NO problems. They were polite and easy to deal with. In December I got a letter advising that they were changing my account to Wells Fargo Dealer Services.

BIG MISTAKE!

These are the rudest people that I have ever spoken to. I had this guy named Miguel tell me that I would have to talk to him after my car was repossessed.

I had been paying more than my established monthly payment and so I had a reduced payment due. In October, I paid the reduced amount plus about $50.00. In November, I paid the reduced amount. In December, I was laid off for two months, I tried to make a deferred payment arrangement and was told that since my last two payments did not meet or exceed the regular payment amount I was not eligible for deferred payments. Keep in mind I was paying a reduced amount because I had previously been paying more than my agreed upon billed amount.

Ever since then dealing with Wells Fargo has been a nightmare. They moved me over to Wells Fargo Dealer Services, wiped out access to my payment history and assigned me to the collector from hell, Miguel.

I drew money from my retirement account to pay off this horrendous loan and I will NEVER again use Wells Fargo, for anything!

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Leona Fergurson
Tacoma, US
Jun 01, 2011 3:35 pm EDT

Sitting here reading this stuff about Wells Fargo I cant believe in this economy how heartless banks can be. None of us have been bailed out in this economy. Recently, I tried to make several attempts to make a payment online and it wouldnt work. SO I call customer service and they tell me there is a fee.. A fee for what doing your job. Not my fault your website isnt working is that part of your job or do I have to pay for that too? So they told me that I should be patient with them and that they appologize for the inconvenience. In October I received a bad check from a customer of a large amount I was counting on this to make my car payment before it was 30 days late. The CSR tells me I have all day that day that I am ok I explained that not only did I get an NSF payment from a parent but that a drunk driver drove into the rental house I was buying and doing my business out of. If he would have told me pay me right this minute or else or that if you pay it after 5 you are going to have a late payment. I would have called 10 parents to pick up their kids from my daycare to handle it. Needless to say I made the payment at 7pm and there was a 30 day late put on my credit and my home loan was wiped off the board I feel bad for myself the broker the realestate lady and now my business is hanging on by a thread because the lady that owns the house leases to me at 2500 and I lost my tax credits. I would have been paying about 1600... Today I am sending another letter to North Carolina in hopes that they hear my pleas to please take this off my credit. For anyone reading this two words of warning. To this date I cant think of a good reason to deal with Wells Fargo. If in fact they help me fix this as its partly my fault for being late and all their fault for not telling me if its made after 5 youll have a 30 day late. 2 hours changed my life. So if they say to you please be patient or things happen we are sorry... please explain to them that the gate truy does not swing the other way AND that they got a government bailout and we are all rats in a cage attempting to put another dollar in their buckets. Sincerely Leona M Fergurson

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Wells Fargo mortgage modification scam

I found out yesterday through a good source, the M.O of this outfit. You see, on some of these (in fact most) of these modification programs are specifically designed to fail, especially the President's "Affordable Home Program" has been viciously abused by the mortgage companies. These ppepople are "double dipping.
They do it by receiving $4000 a month from the government to pay the mortgage companies for our mortgage...this is their first "Dip". At the end of the year they have strung you along with al of the same complaints you see recorded on this site. By that time they have taken $48, 000 from the government (our bail out monies for them). After they have strung us along for that year with no intention of any permanent adjustment, I receive a notification that I did not qualify for the modification and that I owed them $10, 000 for the principal that was not paid in the temporary modified payment. So now they have the government's (our money) of 48, 000, they have now given us THREE WEEKS to come up with the 10, 000 or face "AN ACCELERATED FORECLOSURE". Their next move is to offer to "help" you out again by offering assistance on a "short sale", which is simply giving your home to them or their designated buyer. They have now made back on top of the 48, 000 and the 10, 000 (if you could come up with it) and the full balance of the mortgage
In essence, they used our bail out money to throw us out of our own homes.
The President's intention in giving the companies money was to allow us to keep our homes and paying them not to foreclose, giving us a chance to get back on our feet. ..instead, they are using his program to screw us and the government out of our monies and our home place. They have made more money with this scam than they would have being honest and simply doing the business of mortgage contracting. They are making BILLIONS, in not TRILLIONS throwing us out of our own homes with our own money. This simpy cannot be legal. A class action suit is most certainly in order here.and a congressonal investigation along with a criminal investigation should be initiated by the government. ..They are intentionally causing the President's program to fail.
I have found out about a law firm in Tennessee that is taking these cases to court and arranging a fair settlement. I still have to find out their names and address and I will post it as soon as I do. .

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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?

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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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