Wells Fargo
reviews and complaints

So I have hard a credit card with wells fargo for almost 2 years now (big mistake) and I always pay my monthly payments, this year has been exceptionally hard for me because I lost my job, but I still pay monthly so my credit will be good, but wells fargo keeps screwing me over and i am getting sick and tired and fustrated and I need to take action against them, so they say I'm over the limit one month i payh the monthly fee and the over the limit charge 3 days later they are hounding me saying i'm over the limit again, they say something to do with the account is atttached to my checking, since my checking is bad I say ok cut it off, they do not listen instead the lady on the phone is extremely rude and is laughing, i was soo upset, so I go ahead and pay the over the limit fee again, I pay $100 (mind you I still don't have a job)then they hit me with another fee saying that they took over $80 to cover my checking i'm so upset because i told them i didn't want it linked up anymore, i'm crying and they won't help even though it's their fault and i'm like put the 80 back into my credit account they say it's imposssible, they are making me pay for their mistake, which upsets me greatly, i'm so ticked off i don't know what to do and i'm over the limit again and they are harrassing me saying i need to pay again. At this piont i'm like these people are sick f these people. So i close down my checking accounts, because i don't trust them and I make another payment covering the over the limit fee gain, i'm like finally this issue should be resolved. Ok so tell me why theses idiots these illiterate idiots call me again saying i'm over the limit at this point i'm too angry for words, i havn't used the credit card in like 4 months and i've been paying every month and covering the over the limit fee, so why am i back to square 1 again, they say im over the limit because I had automatic bill pay and they took the money out of an accpount that does not exist and they had to return it so I got hit with soo many finance charges. Wells fargo are users and just keep taking money from innocent people i hope they go bankrupt and burn in hell. I mean i keep paying each month to find myself in the same dumb situation, and they don't help they just say you have to pay, i mean i'm struggling to pay I have 0 money i'm borrowing from family members and they keep pulling this stunt i'm done trying now their threatening to file a complaint to the credit beaurue i'm done i'm like go ahead, i'm so tired and fustrated.

They told me I was eligible for a deferment since the loan was in good standings for 3 years but after I was transferred and sat on hold for a while I was told I wasn't cause I work on a commission basis when I have for 7 years and when they wrote the loan I was too. I asked to speak with a manager and the guy refused several times to get a manager until I had to yell at him. Then he gets a very young unprofessional girl on the line who was just laughing at me like I was some kind of joke. When I told her I'm sure she'snot a manager she didn't say anything cause she knows I was right. I would not recommend ANYONE getting a loan for this company! I'm a hard working single mother not a joke!

Perhaps you can be of some help, if not for me, then others in my predicament; this being loss of income, my house and my credit rating, unnecessarily.

I purchased a house 5 years ago when my income was well within the parameters to afford the mortgage. In the past two years my income has decreased by 66%. I was living on credit cards for most expenses in order to continue to make my mortgage payments. I knew I could not continue to try and make ends meet with maxed out credit cards and no near future hope for an increase in my income so I placed my home on the market in August of 2009.

My real estate broker felt the price was at a good market value. There were no offers on the house from August through February of 2010 even though the price was reduced several times. In February of this year I applied for a loan modification with the lender, Wells Fargo. Approximately two months later I received a letter from WF stating they would lower my payment by $100 for three months and then I had to make full payment again. I could not accept this offer because it wouldn’t help my situation or even come close.

Also in February I was forced to stop making payments, a very difficult decision, as I have always had very good credit. It was my mortgage or all my other expenses that would suffer. By May with still no offers on the house I decided to apply for a short sale, as it was my understanding that this program was put in place to help people in my situation, by the government giving money to the banks for that purpose. The short sale application was approved, all documents requested were sent and acknowledged and we were told by Wells Fargo that an acceptable offer would be approved in 15-30 days.

In June we received a very good offer from a very qualified buyer, for almost $7, 000.00 more than my mortgage balance. We waited until almost 30 days went by and started calling Wells Fargo for updates on the process. A once a week call at that point (in July) always got the same response; “application is still in review” and we were never able to talk to the same person twice.

In mid July I received a letter from Wells Fargo stating that my house would be auctioned on November 8, 2010..Three days later I received three letters identical to the first one via certified mail. Three of these letters were addressed to me and one was addressed to ‘occupant’. The next day a gentleman came to my house and taped another of the letters (exactly the same as the first four) to my front door and took photos of it and my house.

Also in July two different individuals came to my house stating they worked with Wells Fargo and were “inspectors”. They each asked me three questions: Did I have gas or electric, a pool or hot tub and was I behind on my payments? They said they were not Wells Fargo employees but worked with WF.

August arrived with still no approval so we started calling twice a week for updates. We were told that a second negotiator was on the case now and it was “still in review”. Several more documents were requested and sent. By the third week in August the buyer was getting nervous as he needed to know if he had a place to move into. So the next call to Wells Fargo was a request to talk to a supervisor which was granted.

The supervisor stated that everything looked good and the approval would be forthcoming in 5-7 days. The following week with no communication from Wells Fargo, another call to them with the same message, “the approval would come in 5-7 days”. We were advised that there was now a third negotiator. Another call the following week to them with the same response, “approval would come in 5-7 days”. Another document was requested and sent (the same document that was sent four previous times to them).

The buyer (a local Medical Doctor) at this time is looking at other houses to purchase as he needs to find a home to move into and is getting impatient, as we all are.

September 3rd came and went with still no communication about approval from Wells Fargo.

We have lost the buyer for good; he cannot wait on Wells Fargo any longer. September 7th, in my last call to Wells Fargo and attempt to possibly save the sale; I was told that the sale was not approved because Wells Fargo did not receive the required documents. I asked what those were and they said the same 20 pages that I initially sent them in June. They told me on September 7th that all those documents became outdated every 30 days and needed to be sent in every 30 days. I asked why I wasn’t informed of this back in June as I certainly would have complied and she stated that she “didn’t know why I was not informed”.

The documents she referred to were my 2008 and 2009 tax returns, proof of income, financial statement and hardship letter. Although none of these things had changed in three months, I would have happily complied had I been informed they were necessary every month. And, to add insult to injury, I was told “not to call them anymore”. So, even though everything they asked for was supplied to them, WF has refused to approve a sale that was $7K over the mortgage balance and I’m facing a foreclosure. They lost a good buyer and payoff of the mortgage and my credit is ruined for years, unnecessarily. The entire process has been incredibly frustrating and discouraging to say the least.

As a public servant, would it be possible for you to find out exactly what has happened/is happening to all the money the government (taxpayers) have given the bank to help people like me? Statistics I have read state that only 3 in 100 people in similar situations are actually getting any help through modifications or short sales. It is too late for me, losing my buyer and an excellent offer, but perhaps something can be accomplished to help prevent others from going through my horrible experience with Wells Fargo.

I feel the general public needs to know that this type thing is going on.

Sincerely,

Myra Greene

Wells Fargo is the WORST bank open for business. My husband and I are military and moving around the country often. We are currently in KY and do not have a Wells Fargo location/ATM for three states. My husband has a Wells Fargo account from MT, before he joined the military. We rarely used his account, primarily for my husbands "fun moey." Due to his error, he put the account into the negatives $6.00. Well, a few days later the overdrafts fees turned that $6.00 into over $130.00! During those few days we tried every method possible to transfer money into that account, nothing worked because of Wells Fargo's CRAP system that wouldn't allow us to. Not by transfer to/from, not by PayPal...nothing. I called and they refused to talk to me, even with my husband in the room. So we wired money from our GOOD bank, Armed Forces Bank. This action did cost us $35.00 on our end. We sent just the amount to get the Wells Fargo account to zero, like the Wells Fargo rep. told my husband to do! Well, apparently to wire into a Wells Fargo account WF also charges a fee! $10.00! So now, that account was negative $10.00. And tomorrow I guess it will be negaitve $35.00 since WF will not even allow us to freeze the account. So our little $6.00 mistake has cost us over $200.00 due to Wells Fargo. They do not care about military personnel or customers in gerneral. WELLS FARGO IS THE WORST BANK, NEVER NEVER NEVER USE WELLS FARGO!

Wells Fargo Mortgage bought our home loan from another company. We had a situation a few months back where we knew we were going to have to pay our mortgage about 5 days late. We contacted WF a month in advance to let them know. We typically go into a WF branch to pay our mortgage and have a very professional and positive relationship with the bank. We were advised it was no problem and because of our good record and communication, we would not even be charged a late fee. We paid as promised. Ever since this incident, WF Mortgage calls us on a regular basis about "collecting a past due debt". One of the callers even inquried if I "was having personal problems" while asking me about our unpaid mortgage. I insisted we were/are up to date and every time the callers are relentless. I learned the mortgage side of WF and the banking side of WF don't seem to have anything to do with one another. I received a call last night and I very politely told the guy - we had one late payment, which was ok'd by your organization many months ago and so I think you need to update your records. His reply, "my records are accurate and I'm attempting to collect a past due debt." This organization is unbelievable. I am appalled at the nerve and outright unprofessional approach WF takes to handle these matters. I don't have the time to run this up the WF food chain and I'm sure they are counting on that when then teach their workers these types of tactics.

I have never been so mad at a bank as I am right now. I made a deposit at a Wells Fargo Branch in CA yesterday and the money is not in my account. I actually had a supervisor tell me he has no idea where my money is. I have a receipt of the deposit. I cannot believe the dis-respectfulness of customer service at this bank, both at the Wells Fargo branch at the Wachovia customer service line. I would like to know where my money is and why after 24 hours it still has not posted to my account. This was mostly a cash deposit (90% cash and 10% in checks)

I would like some answers immediately and don't try to tell me that it takes a few days to post, that is ridiculous, withdrawals at the same branch posted immediately

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.

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!

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).

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.

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!

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?

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.

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!

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.

--------------
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

------------------------
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

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?

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].

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?

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

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