Wells Fargo
reviews and complaints

I have been dealing with Wells Fargo - ASC for a few years. And once my husband and I lost our jobs we got behind on our payments because we had a 2 year balloon. I contact them because I heard we could do a loan modification. We had to do it for 4 months and be on time. Finally after the 4th payment I received a packet in the mail the needed to be completed stating what our payment would be, what our % would be and that they needed a lump payment up front. I contact them because I had just paid my property taxes (which I called to see if I needed to do so and was told yes) and the amount they were requesting is what I just paid in taxes. So they told me they would wave that fee but everything else was good to go. So I asked if they would send me a corrected packet for us to sign and they said they we unable to do so. Well I contuned to make my monthly payments. I get a letter stating my home is in forcloser and I need to pay a double payment. I contact the loan modification department and demanded that I speak to supervisor. Which he did call me took down some information and said he would call me back. A few weeks later (after I called him everyday because he gave me his direct phone number) a rep named Myra called me stating she is working with this manager to help me. This was in October. Well to make a long story short they still have not completed my request. I was told by Myra that she has talked with someone at the Head Office (which I could not get a name) to see if they could help. Since then I have received 5 statments in 2 months all with different montly payments due. I don't know what else to do. Can someone who has gone through this please comment with some advise. I need all the help I can get right now.

This is in reference to a Bank Manager on another Wells Fargo forum who writes he, "listens to his customers" and who states, "It is [the customers] fault...for the NSF fees."

I am a small business owner of two businesses, one a construction company and the other a boutique. I as many retailers have a Merchant Account with a credit card processing company (not Wells Fargo) of which my customers may run their credit card - for merchandise in my boutique. Again, I am a small business owner. I am not making millions of dollars, in this economy, but just getting by day to day like everyone else - to pay my bills.

I recently had a customer - and this has happened to me a few times - tell their credit card company that they did not use their card in my establishment. So, without warning the credit card company removes the disputed $616.00 from my Wells Fargo bank account. I then received - and this always happens on the day they remove the funds - a notice from the credit card company, informing of their removal of funds from my bank account. See, the credit card company will remove funds, then have me prove my case. In their letters they request the actual invoice, the shipping address, the billing address, and their signature. All, of which I submit.

Due to this recent removal of $616.00 - it created over $280.00 in NSF fees..now I am out $896.00. Due to my proving my case it will now take 7 to 10 business days for the credit card company to deposit back into my account the $616.00. Now, the $280.00 in NSF fees from Wells fargo, well, that may not happen. The incident like this before...cost me $760.00 in NSF fees from Wells Fargo.

One of my business offers online shopping. I deal with those incredible people who will purchase and will attempt to say they never received their product, or those who state they never made the purchase. I get slammed for the amount they are disputing. However, I win my cases showing proof of every delivery, or sale.

This is my first problem with Wells Fargo. They only reimbursed me on the previous situations for half of the NSF fees. They state, that "they can only refund all the NSF fees, if it is a bank error". Of the $760.00 in NSF fees they took from me a few months ago, Wells Fargo only credited me half. Due to this recent situation I am trying to get my NSF fees back from Wells Fargo and have yet, to get anywhere with them.

This is my second problem with Wells Fargo. When my account is in the negative during these situations, Wells Fargo continues to allow transactions of which transpired previous to my knowledge of the removal of credit card funds - to come through thus, Wells Fargo making a profit of $35.00 a transaction.

Sure, one may suggest that I go else where. However, it cost money to change two business accounts, one trust fund account I have for my sons, and multiple personal accounts. I am working from morning till midnight just to make it now. Wells Fargo has told me that as of August 2010 - they will be removing the NSF charges altogether and if there is no money in ones account - then it is declined. Well, who was the brain child of this one? That is how it should be. Why not do that now? I asked, Wells Fargo to do that for me...however, there reply was - they can not do such a thing at this time.

That is the best news I have gotten from Wells Fargo - whom all the well knowing ones account is in the negative - will push through another transaction in order to fill their pockets. Wells Fargo is not for the business owners, nor the nine-to-five working individuals. They are for profit and if your family does not eat one night, well their, "Fat Cats in Corporate" sure will.

I wait for the day, when CNN shows the, "WellsGate" scam and they, the "Corporate Gougers" are made to pay back all the monies that they have greedily taken...Wells Fargo needs to quit ripping their hard working customers off!

Wells Fargo has started (new to me) holding payments made to your personal line of credit accounts without notice. This first time this occurred was when I made a sizable check payment to payoff my line of credit like I've done in the past. They put a 15 day hold on the payment even thought the check cleared my bank 2 business days later. Their excuse for not notifying me was that by the time I received a mailed notice, the hold would have cleared. Would the letter be coming from the far reaches of Antartica? The most recent occurrence was when I used their website to do a bank to bank payment (like I've done before) and even though the money was taken from my account on the next business day and they confirmed that they received it, I was told that there could be up to a 25 day hold on that payment. 25 days? How ridiculous is that? And the only reason I found out about this hold is that I called them to see why my payment hadn't increased my available line of credit (learned from the last situation).I've been a customer since 1990, had a line of credit since 1997 and have never had a problem until now. I'm disgusted with Wells Fargo. They made me feel like I'm going to try and rip them off.

I am recently unemployed and have been faithful with my car payments with the exception of this past month. When I contacted Wachovia which is now Wells Fargo and Chase before that, I explained that due to the economy, I was laid-off and taking care of my disabled Mother and needed to make a payment arrangement.

It was rudelly explained to me that they would need to post a payment to my account knowing full well that I was overdrawn at the time. I might as well have been asked to write a bad check which is ILLEGAL! The rep. quietly explained that "it's okay to allow us to post this payment from your account, because it won't go through right away. You should probably have money in there by then." Furthermore, the rep. asked if my Mother has any money to give me. I explained that she is 100% disabled and that I am the primary caretaker.

Wachovia/ Wells Fargo...or whatever they're called now, bully their customers, and are willing to partake in unethical business practices.

I refinanced my house in 2006 to buy a business. The lender was Fremont Invrestment Loans(bad company!). They sold it to ASC/Wells Fargo Bank. It was fix for 2 years and then became adjustable. Six months before change to adjustable I called ASC asking to help me refinance. They told me I had to call Wells Fargo that ASC can not do that. Called Wells Fargo, they told me to call ASC, that they could not do it. They told me ASC and Wells Fargo were not the same. That was the first lie. Meanwhile the prices of the houses kept going dow. Finaly they sent me a letter telling me I did not qualify to change the interest, but did not said for what reason. Tired a contacted statewide Bancorp Inc. They got a trial period for a loan modification and told me that that was my only option and I had to sign it . The terms were not good I did not signed, took them to court and they had to return my money because they did not have a permit to collect advanced fees for a loan modification. I called Parsa Law Group. They were on TV boasting they helped over 3000 customers to modify their loan. They took my money and shortly after Mr Parsa licence to practice law in California was removed for moral turpentry. Still waiting for them to return my money. I continue sendingthe documents the Parsa Law started and finally ASC put me an a loan modification trial period for 3 months with reduced payments. We asked before signing the agreement if that will afect our credit and they said "no, that is an agreement between you and the bank". Another lie. After we completed the 3 month trial period payments the loan modification was denied and our credit ruined! ASC reported the payment as late payments. We called them and they denie dthat they reported late to the credit agenices. They asked to send them the copy of the credit report. They also told me "of course the trial period will lower your credit score, everybody knows that". Really? We asked before and they said no, they lie. And they refuse to remove the bad record from the credit report. We are stuck with a bad credit and a Bank not welling to help and reported late payments when we neverm were late in the mortgage. Only neede a loan modification to lower the outrageous interest of 9.7% with a cap of 15.7% !

3 months and still waiting on my free DVD player. I was told that they would send it to me 4-6 weeks after signing up for Traveler's Advantage. I called after about 7 weeks wondering where it is and they were veruy apologetic and said that i had to fill out a form and according to thier records was never sent to me. So they sent this "form" which didn't even have the right number a spaces for my membership number a week later. The form said it would take another 4-6 weeks. I called to complain and have it expedited. They told me that they had already sent me the DVD player. We never received it. Iw as then told that I have to wait another 4-8 weeks for it to be sent to me.

I've been making payments on my home for the last 17 years through Wells Fargo Mortgage. Instead of my principal going down, it is going up each time I make a payment. Creation of an amortization schedule provided by another bank, indicates that I should be at a current principal balance of $56, 000; but WFM indicates $74, 000 this year, and $69, 000 a year ago. How can this be, since I'm making all of my payments. Furthermore, they misplaced 3 payments from last year, so took 2 of the payments I made last month, and applied them to last year; but tacked on penalties and extra interest. They also continue to claim that I am behind and have now accelerated my account to a foreclosure status. This is devastating news to me, as my home is my livelihood where I do my business. I explored options with the Gov't. Make Homes Affordable Program; but Wells Fargo makes you jump a lot of hoops and in the end, do nothing at all to help you save your investment. I contacted the Senator's office in Texas to ask assistance with this problem. The Senator's representative set up a 3-way conference call between their office, Wells Fargo and myself. The Wells Fargo agent insisted that the Gov't agent shut off their recording machine, and further demanded that the Gov't. agents supervisor come on line to verify that the recorder was indeed shut off. It was only then, that Wells Fargo agreed to have the 3-way conversation regarding my eligibility for the Make Homes Affordable Program. In that conversation, it was determined that I completely qualify without a doubt. Two days later, a letter arrived in the mail telling me my request was denied, and it was suggested that I pack my bags and plan on moving. It was also suggested that I go for a quick sale, and sell my property for less than half of market value. I spoke with numbers of Wells Fargo Mortgage people--you never get to talk to the same person twice and you never see results. It's a game they play to keep you in limbo, when truth be told, I believe they are trying to grab up everyone's real estate, and then will sell it off at a profit. You can call the same toll free 800 number ten times a day, and it will go to 10 different states. What a run around ! I want to know who you talk to at Wells Fargo to get down to the final solution? Wells Fargo decided to use their own attornies against me, and then took their legal fees out of the mortgage payment I sent in, and that made the mortgage payment come up short; so they marked it delinquent, and added penalties, interest, and late fees to it. Wells Fargo is sending people by to make sure my property is still occupied, and each time they do this, they charge me a fee for that as well. This can't go on. Because Wells Fargo put a bad mark on my credit report, I can't get refinanced by a reputable mortgage lender. I've always had good credit, and do not have any other debts. They doubled my monthly mortgage payments making it completely unaffordable. Everytime you call in to make payment arrangements, they always want to go up, not down where you can afford it. They always have excuses for why they can't lower the interest rate. How come Internal Affairs isn't looking into this? I'm looking for other disgruntled Wells Fargo Mortgage customers who would like to pitch in on a class action with me against this scamming mortgage lender.

My auto loan was originally with Wachovia, which was bought out just recently by Wells Fargo (unfortunately!)

My first statement from Wells Fargo contained a HUGE error. They credited my loan with an over $6000 payment which I never made.

I contacted customer service and was told repeatedly that I made that payment, I repeatedly stated that I did not. The rep continued to say I had no April payment due and my next payment was due in May. I went back and forth with her and finally just gave up, figuring they'd get it worked out eventually.

So April rolls around, past my due date, and NO I didn't send the payment because I was told not to do so and I didn't want the account even more screwed up. I start getting late payment calls. I call and speak with another rep. All of a sudden it's MY fault they screwed up, MY fault their rep gave me bad info repeatedly. No one tried to help or apologize for their mess! I had to practically beg for a deferment.

I was finally put in contact with a condescending ### named Dave in the Milwaukee, WI office. He hassled me, acted like I just didn't make my payment for the hell of it. I haven't had one late car payment on any loan in over 14 years! I sure wasn't going to start now!

I did get the deferment, but have to pay a late fee, even though they're the one's that messed up! Still, not one person acknowledged or apologized for their accounting errors. I am so close to telling them to just send the repo guys instead of having to deal with Wells Fargo for the next 4 years of my loan!

I am furious. DO NOT do business with Wells Fargo!

I have had a car loan with wachovia dealer services for close to three years and have made 33 payments on time with what i think is a completely unfair 18.99% apr. They were recently changed to wells fargo dealer services. I made 1 of my 33 payments with wells fargo. I decided to call them today and ask about refinancing on my loan with only 73, 000 current miles on the car, the type and year of car i think is a mute issue. My car being a 1996 was to old for their refinance policy, they said it could not be more than 8 years old and have less than 100, 000 miles, basically i have paid almost to the dollar the original sale price of the car of which i paid a $25, 000 down payment part of which was a trade in. they said they would direct me to a local office in which i could talk to someone else about it.

I instead of getting someone else that i was suppose to be able to talk to about refinancing, It turned out to be wells fargo collections instead.

all i have to say is what gall these ### have

I have decided to no longer pay them a dime. this is a car i never plan on selling and is my primary car. they can have it from my cold dead hands.

they never did a thing for me and wont even offer a new contract and considering wachovia is now defunct i consider my original loan defunct as well.

i will be interested to see how they handle this now considering they are now a third party lender on my original contract.

Point being i never signed a thing that had wells fargo printed on it.

Since purchasing my vehicle in 2006 I have had nothing but constant harassment from Wells Fargo and their so called agents. I have been hounded to make extra payments, payments for auto insurance, when I already had sufficient coverage, when asked for statement given the run around for one year until finally received. My family who have nothing to do with me or my loan, not even as a referance, called constantly all day long, no matter my payments are made every month online automatically. I have called and asked for this to stop, to no avail, also for 1 year every month I have been threatened with repo, and to date [protected], no one has shown up or served me with papers for the car, actually I am at the point I am looking into surrending the vehicle voluntarily. This is not the first vehicle I have purchased or financed, but by far the most upsetting finance company that I have dealt with. I am of the mind set that there has to be a lot of customers in the same boat as I, and I am calling for everyone involved to speak up and take Wells Fargo to court for shady business, unfair practices, or whatever legally can be done.

The manager at Wells Fargo Cheyenne downtown office is a poor excuse for a manager. This person constantly takes days off or leaves early. I don't know who in the organization is tracking this info but if a manager is not at work on a regular basis heads should be rolling. As the manager she is responsible for generating business and leading her sales team. She does not accomplish this task. She is not even there to try and accomplish the task. She is collecting her paycheck and not working as required by an employee. Wells Fargo should be outraged by someone like this. Get a new manager but pay her a salary to stay at home because in essence this is what Wells Fargo is doing now.

Would you believe wells fargo is sending us back our money and keeping us in foreclosure?!?!

We have faithfully paid our mortgage on time for over 5 years. Recently we fell behind on our house payment for 90 days due to layoff and under employment. We have tried over and over for mortgage adjustment for 15 months with no success. When wells fargo notified us they were starting foreclosure we scrambled together the money to get current and they accepted payment to bring us current. Three weeks later they notified us that we were still in foreclosure and were sending us back the money we paid them!

Here's the timeline:

January 2009 - after one of us was layoff and the other became severely underemployed we started applying for mortgage adjustment. 15 months later and hundreds of dollars spent faxing document after document to wells fargo they still refused to modify our mortgage even though we were making all the payments, barely.

December, january, february [protected] - we were unable to make our house payments for those 3 months and continued to reapply for mortgage modification. Wells fargo paid our property taxes and sent us a new statement with monthly additional amount to repay the taxes.

March 2010 - we made a partial payment of $2, 000 (Out of the monthly $2, 400 due) but wells fargo refused to apply it saying they would hold that money in a "suspense account".

April 2010 - we were notified that they were going to start foreclosure proceedings and we received a letter from a third party legal firm with many additional charges. We called wells fargo to inquire what we owed in total so we could try to get current. They gave us an amount and processed our payment of over $8, 000 to bring us current. We called every few days to confirm that we were current and they always said "yes, your loan is current". We began to breathe a sigh of relief, continued to request modification and made a full house payment for the month of april with the added amount towards repaying the property tax. We thought all was ok, although it is a huge struggle to make our house payment.

April 20, 2010 - we did our routine weekly call to check on the status of our request for mortgage modification only to find that we had been denied again. We also found out that we were "still in foreclosure" even though they confirmed over and over that we were "current" on our payments. We were of course stunned and extremely upset. We said we couldn't believe what they were telling us and maybe we should call back and record the phone conversation... To which they replied "you can't record these calls and if you do they would be "inadmissible in court"! So now we're in limbo, unsure if we'll lose our home even though we got current with all the payments right when they notified us of foreclosure proceedings!

Seriously, they have our money, we brought our loan current... Isn't that the point?
Why on earth would they send us back the money and keep us in foreclosure?
Can you help us expose the lunacy here?

I have been trying to refinance since 2007 after World Savings sold my mortgage to Wachovia I have been told I don't make enough money to refinance at the lower interest ( currently paying 6.65% ) . I have been getting the runaround since I filed for the H.A.R.P. program since november 2009 asking for one paper or another and asking for more duplicate forms that they never received even though I faxed and sent certified the same papers more than once. This delay tactic has been going on for 6 months. Finally heard from them today and they said I made to much money to qualify for the H.A.R.P. They did offer to help me short sell my property this is the biggest land grab ever concotted in the world where are are elected officials when we need them sad day for the United States.

Thinking about getting a Wells Fargo Financial Splash Card? You better do your homework and then some! That 0% interest for 6 months looks good but be sure to pay it off before the six months are up! My nightmare began with the purchase of a pellet stove from a retailer in my area. I purchased about $4300 worth of merchandise from them thinking that I would be able to pay off the balance or close to it in six months. Financial circumstances changed and that interest rate of an outrageous 23.99% turned my balance of $4300 into almost $4900 at the end of the six month period! These unethical thieves are making almost $600 in interest on a $4300 principal balance! I recently transferred most of the balance to another card with the exception of $610 which was my second largest mistake! Apparently they state that they sent out a change in terms letter advising me that my minimum due would now be based on my highest billed balance if I did not opt out! I received my “opt out” letter in an envelope conveniently identical to my statement. I set it aside thinking it was just my statement. So, on a $610 balance my payments should be about $20 right? WRONG! These thieves want $122.00 a month until the balance is paid off! They will do nothing to reduce this amount and state that since I failed to opt out then I agreed to the terms! I strongly urge you boycott Wells Fargo like the plague. They will not think twice about ripping you off and I am proof of that!

Paid off our mortgage with Wells Fargo and contacted them well in advance to stop the auto withdraw out of our checking account. First of the following month we get notification the checking account has been overdrawn. Quick investigation shows WFM continued to take the payments. Contacted them only to be told we would have to wait weeks to get back any balance in the escrow account. Sad we didn’t have an escrow and the only money they had was money they took without authorization. Sorry, they said, that’s our policy. To date, still haven’t seen any credit for the money.

Since 2007 Iv'e been a Customer of Wells Fargo Auto Finance, In Nov. 2009 I loss one of my jobs and when I explain to Wells Fargo Customer Service back in 2009, That my payments were going to be late or split and half. When I first took out the Loan thur Wells Fargo I was making close to 55000, since the loss of the job I make half of that now. So for four months it's been very hard making the payment before 30 days. I asked was there anything they can do to help me because of my hardship, every agent I talked too was rude to me, as If I owe them personally. So now I have forced Ins., through Wells Fargo which is a extra 1800 dollars, this month I called like I normally do to tell them I can't get the money and finally I talked to a very nice young lady who offered to give me some infomation about the deferred program. I could not believe this. In Nov. 2009 not one Customer Service Rep. offered to tell me about the program. I wonder why? I had Ins. at the time I lost my job, Was It it because she was African American and she realize that I was also? This distrubs me. Only thing they want to talk about were fees, Why was I not offered help while going through my hardship? It's like they are out for blood. I have three sons in college. What do they want me to do live in my car with my three sons when they come home from college? listen I'm only saying If someone would have told me about the deferred program my credit would not be shot and I would have had a chance to catch up on my Ins. and other bills.

We have been begging for help with them for almost 2 years now!
It's been a horrible ride. A lot of the Negative issues are re-moved
from this statement to encourage help or any other options that have been over looked. Sandra - 972.234.0019

Monday, April 11, 2010

Loss Mitigation Review – Faxed- 866.359.7363

Please, please grant us a Loan Modification for loan #[protected]

“SUMMARY’’

We fell behind some time after my daughter passed away from cancer issues and son-in-law lost his job from grief and depression. He found himself displaced in the work force and at some point on meds and then disability. He and I both continue to look for work but at present to no avail. Allen currently receives

$1053.00 Disability and I receive $983.00 SS benefits. See Income attachments. We desperately need a Loan Modification of around $700.00. See financial statement. We both want to stay in the house, create a business, pay the house off and fix it up, bringing it up to code. Due to the current condition it’s in, an investor would take it far below what’s currently owed on it. Because of the love my daughter had for this property; there is a lot of sentimentality for us. We are just having a very rough time from loss of life and incomes. Please work with us.. We will make you proud of us. It’s a Horrible Ordeal so far.

Some History

This house was bought for around $135, 000 when it was a sellers market with the intention of fixing it up and making it into a home similar to the one she loved in York, PA. This house was built in 1980 and pretty much used as a rental house the entire time. I moved down here to be with my daughter after my job of 7 years at the Pose Office ended. We all had or found employment at the purchase of the house. I was making over $27, 000 a year at Real World Training; my daughter started a new job at Verizon Web Pages making $34, 000 a year, my son-in-law Allen was working at J.C. Penney Corporate Office in the IT-NOC center making $45, 000 a year. All that together gave us a household income of $104, 000 gross, which was plenty enough to buy and care for this fixer upper home.

Although a lot of projects were started, many of them came to a halt when my daughter discovered she had a very aggressive form of breast cancer. Me and my son-in-law stayed on the internet and on the phone trying to find treatments, clinical trials, with hopes of finding some way to cure or help my daughter manage her illness in order to buy more time till they could find something that would work for her type of cancer. Michelle opted for a lumpectomy to no avail, a mastectomy including lymph nodes to no avail, chemotherapy and radiation, more surgery, all of which did not work. The cancer became metastatic to the lower back and then started spreading throughout her entire skeleton. She had tumors on her shoulder, tumors on the side of her head and tumors growing around her jawbone. She was labeled terminal. Because of the pain she was rushed and admitted to Baylor, Susan G. Komen terminal wing where she was given morphine to make her comfortable.

There were some church friends Michelle came to know, along with myself and son-in-law that kept vigilance beside her. My daughter remained in good spirits and my son-in-law promised to continue working on the house so she would have a home to come back to as soon as she got well. He also continued to research options and he did find a chemo treatment using Methyltrexate. This type of chemo has been used for years for treatment/management of severe cases of arthritis, although we tried to get the oncologist to consider it as a management treatment to slow down the cancer, the oncologist would not do it because it wasn’t considered a cure all. So Allen found a treatment protocol on a web site called www.IPTQ.com it offered a lot of hope that we seemed to be running out of. After some fellowship with the church we spoke with her doctors involved, Michelle decided to go and the treatment was started in Atlanta, GA. Within 4 days most of the tumors were shrunk down, barely visible, I was the only one with Michelle. She didn’t want my son-in-law going along because he was too emotional concerning her welfare. Around the sixth or seventh day Michelle was overdosed, a couple of days after that my son-in-law arrived to find her very sick, 911 was called and Michelle was rushed to the ER where she was diagnosed with Septic Shock, no platelets, next to no blood count. Michelle’s face and parts of her body were orange. Her hands were white as snow, her mouth and gum area were covered in blood and she was very swollen. Test confirmed she had poor blood counts, no platelets with an over all state of septic shock. Michelle really needed more care then and there but this hospital was not setup for trauma patients such as Michelle. In fact they seem more concerned about the liability then giving Michelle what little bit of help she desperately needed with what little time she had left.

She passed away from septic shock and congestive heart failure. This was a very horrible experience for me as well as my son-in-law. He found it very hard to keep his current job or any jobs after that. He ended up losing his current job and found himself as a displaced worker with so many others. Between trying to find full time work and trying to work temporary jobs, as well as dealing with all the emotional grief, guilt over the sudden loss of my daughter. It just seemed like an uphill battle. He ended up on a lot of medicines where working for someone just became impossible because of the depression he still felt and or side effects from the medications. Allen has continued to look for work, continued to seek out help for ways to fix, restore or update the house in the love and memory of Michelle.

Some banking information:

At some point with the loss of income, we fell behind on payments. With continuous communications with Wells Fargo, they put us on forbearance with or with out payments. I am so grateful for the help they offered Allen and I. In the past, the only income in the house was mine, $983.00, some time later there was Food-Stamps of $315.00 until he could seek and try for disability He was awarded that after a few months.

And is now receiving 1053.00. After that we lost the food stamps however this income is permanent, no lay-offs or loss of income.

In closing, my son-in-law and I love this house and want to fix it up in memory of my daughter. It’s really hard for us to see living anywhere else. I realize it needs work that exceeds our current income, but my son-in-law has good days and bad days and although that makes it hard for him to work a steady job, he is able to complete a task at a slow pace.

If there is anything you can do to help us find a refinance, Loan Modification, etc., we would be very

grateful. Thank you Wells Fargo for all your help so far. Loan # [protected]

Sandra Vincent and Allen Wynn – 972.234.0019 – April 07 2010

Home

Michelle

Visiting Michelle with Allen

Loan # [protected]

INCOME AND EXPENSES

RE: Mortgage [protected] – Allen S. Wynn

1603 Woodoak Dr., Richardson, TX 75082

Friday, March 19, 2010

Household Income is as follows:

Allen S. Wynn – Social Security Disability - $1, 057.00

Sandra L. Vincent – Social Security - 983.00

Total Income $2, 040.00

Proof of Incomes Attached

Monthly Household Expenses and others is as follows:

Water, Sewer, Garbage, City of Richardson --------------------- $57.00

Electric (Average, varies due to season) -------------------------- 200.00

Gas (Average, varies due to season) ------------------------------- 200.00

Cable TV, Phone and Internet, Bundle Pkg.------------------------ 131.00

Lawn Maintenance ---------------------------------------------------------- 75.00

Storage -------------------------------------------------------------------------- 152.00

Total 815.00

Automobiles:

Insurance – Allen S. Wynn and Sandra Vincent

Both Cars ---------------------------------------------------- 133.00

Gas Both Cars ---------------------------------------------- 80.00

Food Expenses Average ------------------------------------------------- 275.00

Pet Expenses------------------------------------------------------------------ 75.00

Total 563.00

Total All Expenses ----- $1, 378.00

Income of: $2, 040.00

Expenses of : 1, 378.00

Balance Left $ 662.00

Wells Fargo Bank froze my bank account today because they wanted my husband to verify his social security card at the Social security Administration. They didn’t even have enough respect for us to phone us and tell us they were having a problem verifying his number. Which we found very disturbing because we added him to my bank account a over a year ago and with his social and there was no problem. Then we opened a saving account together a year later and no problem. My husband wanted to build his credit and decided to get a secured credit card last week which he was approved for. if you know anything about secured credit cards we have to give them our money to open a credit on the credit card and then pay them interested on our own money to use. Anyways he was approved card was mailed out and then today we went to buy a car and found that our bank account was frozen. When I called the bank 1800 number they were unfriendly and rude and told me in a few words that pretty much my husband and I could have a fake ss card and committed fraud. I explained we just showed his ss card and his id(i.e. passport) to get his secured card just last week. Wells Fargo said it doesn’t matter we had to see the SS office. So we don’t have a single penny to our names because all of our saving and checking is frozen. So we don’t have a car and we have to take a taxi down to the office but we don’t have any money. Finally we found a way to get some money and by that time the social office was closed. Also the taxi will end up being 70 both ways to get the form they need to verify the ssn. Also the social office will need to just see his id to verify the name, which the bank could have just done but refused when we went to the BRANCH! It gets better not only did they freeze all our accounts, but they cancelled both our debit cards, so we will need new ones once they unfreeze the accounts. So Wells Fargo will send us new cards then and we will just have to wait but not under the loss prevention department at Wells Fargo gets the paperwork from the social office, and releases our funds. My account has things that are bouncing i.e. school payments and the bank already said they wont refund the fees and such. So my question is this...if this was done to protect my Husband and I and it turns out my Husband is who he says he is, then why are we responsible for the fees incurred because the bank thinks he’s not, and why do you have to pay for a taxi to the ss office to prove you are who you say you are. This all could have been avoided if Wells Fargo would have made a courtesy call to me so we could have handled the situation before it ruined our day and will continue to ruin everything until it is resolved. I would like to add that I don’t see why not being able to verify my husbands ssn would be reason enough to freeze an account of less than 2000.00 its not like they had loaned us that money we gave them the money. Then they took it from us like we had done something wrong with our own money. They froze our bank account our hard earned money because they couldn’t verify my husband ssn, and treated like criminals and guilty until proven innocent. It truly has ruined my faith in whatever the Banks had left to offer. When this is all resolved I'm going to pull all my money out of this HELL of a bank and keep it under the mattress guess its safer there! JK but I will bank with someone who cares about us as people not just money.