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4.4 7548 Reviews

Wells Fargo Complaints Summary

624 Resolved
1094 Unresolved
Our verdict: Engaging with Wells Fargo, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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10:17 pm EDT
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Wells Fargo home mortgage

Long story short: payments $200 over minimum were taken and part ( min payment ) was applied, the rest put in unapplied funds; foreclosure followed and payments were taken and not applied/returned sitting in unapplied funds; 3 months later they filed foreclosure . Now, I'm gonna have to fight to keep me and 2 little kids in a home.
I would like to share my story and make you aware of how unfair the veterans are being treated, in particular by Wells Fargo Bank.
We own the 2 bedroom house since 2005. This January the bank has put the mortgage account in active foreclosure. I am a mother of 5 and 7 year old boys with full custody currently occupying the property. We just moved back in the house after living in an apartment for a year due to the judge's court order to vacate the property on October 4th 2011. Now, let me get back in time and explain what exactly has happened.
My husbands served in Iraq back in 2003. Upon returning from active duty he was screened for PTSD, even though he was cleared, the symptoms showed a little bit. We got married in 2004. He got a job with Union Pacific Railroad and is still employed with them. He never talked much about Iraq. The time has passed and I became aware, that he didn't just got physically hurt ( as he was hit by a roadside bomb ), but also mentally. Things got gradually worse, in spite of me telling him to get checked out, he denied everything and always backed it up saying that he was screened for that already. Finally, he became very aggressive, that was taking a toll on me and the kids. In order to help him, I had no other choice but file a restraining order. The system is that, for the veteran to get help and get treated he needs to commit himself. Although, if the veteran is in complete denial, the only way out is a restraining order. The judge didn't order him to get treatment and me and the kids were still in danger, as in my husband's eyes I just wanted to kick him out of the house and the problem was me not him. He started drinking 24/7, not answering his job calls and one night, having a black out and intoxicated he broke into our marital property at 03:00. Me and the kids will never forget that night, as we were scared to death. He acted like he was on a mission: took his shoes off to be quiet, took his portable hard drive, PS3 game and a box of moving straps. None of that made any sense. He was taken to jail that night and didn't remember anything afterwards. After that he kept pursuing us and we had to go live in the shelter for our safety and even leave town for a couple of weeks, as advised by police officers reasoning that the judge didn't mark " no weapons " on restraining order. We were told to leave town if were in fear of being hurt by him. Union Pacific found out his situation and told him to either get fired or go into company rehab for alcoholism, which to mention wasn't the problem as he didn't drink before it all happened.
So, he went off to rehab in Salt Lake City and me and my boys were ordered out of the house. The property is in both of our names . We moved and lived in an apartment without any help to pay for it, as CIRHA had a long waiting list. I had to get a job. We struggled but managed.
Time passed, Jesse came back from rehab feeling better. Throughout the year of 2012, I had no way to know if he was really better or not. I answered numerous calls from Wells Fargo, as I was told that he was falling behind on payments. We do not know the reason why. I explained to the bank the real reason and what was going on. All that ever was put on file was hardship. I came to drastic decision and filed for divorce. After that, even though every time I spoke to Wells Fargo agents explaining the real situation, they put hardship and now divorce on file.
September 2012 I was notified that he was moving out and me and the kids could have the house. We moved again I kept up on house payments. I also was informed by Wells Fargo that as of September the mortgage has fallen 4 payments behind and was at risk of foreclosure. I kept on paying and told Wells Fargo agents numerous times that I had an intention to keep the property and could catch up with my tax refund. None of that is on their file.
Now, I've come to find out that Jesse was making $200 over the monthly payment. That money were not applied to the account and set aside. My lawyer had doubts that $2800 is owed as the bank claims.
I'm having a nervous breakdown in fear of losing everything and that this time me and my kids will have to go live in the shelter, but lose all our possessions.
What has happened, why? I have no answer to that.
That's how Wells Fargo treated the veteran, knowing it is a VA loan, and his family. They didn't bother asking if his problems were related to the war. They didn't put on file a single time what I told them about his problem. They didn't apply the extra money paid over monthly payments. I'm losing hope. I'm afraid Jesse will have a relapse because of all this. Unapplied funds? Sitting in unapplied funds file because it's less then minimum payment when it was actually over the minimum? My January payment is in the same file now as the minimum payment is $2800. I kept on making payments that were neither applied or returned until now . I was served with foreclosure papers on March 28th and going to fight it.
Was it our fault, the bank's, the government's-I don't know.
All I know is that I'm losing everything I had. My kids are losing everything they had as they were born in this house and consider it home. Is there a lapse in the system? Did the bank have the right to do what they've done?

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Wells Fargo drained 3 accounts= $11,000

My husband had a $20, 000 business line of credit. We owed less than $2, 000 past due. I made monthly paments of $100 but pmts were $300+ Our tax returns came in 4/5/13 on that day, the bank cleaned out 3 of our accounts totalling over $11, 000 without permision and without asking us to negotiate! We now have checks bouncing! Praying for a miracle, we have to wait until Monday since the office is closed on the weekends. I can not believe this can happen in America!

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slynn1
Orange, US
Jun 21, 2013 6:26 pm EDT
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I hate Wellsfargo they are thieves!

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Andrew24
McCook, US
Apr 08, 2013 12:23 pm EDT
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So what was the total amount owed on the credit card then? The way I read the statement is the business card had a line of credit up to $20, 000 or up to $20, 000 could be charged on the business card, but only about $2, 000 was owed. It was past due.

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Andrew24
McCook, US
Apr 07, 2013 6:20 pm EDT
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Also if less then $2, 000 was owed on the credit card why did they take $11, 000 out of your accounts. You only owed about $2, 000 not $11, 000, what is Wells Fargo doing with the additional $9, 000 that is not theirs?

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Andrew24
McCook, US
Apr 07, 2013 4:39 pm EDT
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I hope you can get this problem cleared up. You were making the payments so it was not like you were just saying screw it, it was just not the amount Wells Fargo wanted. I ran into this problem with them when I was paying back my student loans to Wells Fargo. I paid as much money as I could to them but it was not the amount they wanted. I was not making enough money to pay them the amount they wanted since I was only making minimum wage. However they never took money out of my account without my permission. I agree the payments on the credit card must be made, but all banks must realize people have other bills they have to pay and I feel it is wrong for them to clean out 3 of your accounts without permission or trying to work with you more. I pray to God you can fix this problem.

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1:37 pm EDT
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Wells Fargo wells fargo not wanting to work with people.

Wells Fargo does not want to work with people who are having money problems. I had my hours cut at work due to the recession and I also had a lot of medical bills. I called Wells Fargo Dealer Services and told them my situation of why I could not pay. I requested to be either refinanced or have my payments deferred for a while and they refused. The woman I talked to on the phone was also very rude and snooty, I almost hung up on her.

Read full review of Wells Fargo and 11 comments
Update by Andrew24
Apr 06, 2013 5:27 pm EDT

Thank you KMQ and SkyQueen1948 for the helpful advice at least some people try to help people instead of criticizing them. I do not ignore my creditors, if I have money problems I tell them my situation and what I am willing to do to solve the problem. As for you people who think that I am not looking a second job or a better paying job I just had a job interview on Thursday that pays better and has benefits and they act like they are interested in hiring me. I will talk to my local Wells Fargo and the dealership where I got the car to see if they can work with me. Believe me if I had the money I would just pay the car off in full and that way I could be done with it. However I do not have a 401k, at least not yet.

Update by Andrew24
Apr 02, 2013 3:12 pm EDT

I am done arguing, with you all I have looked very hard for either a second job or a better paying job but nobody has hired me. Just keep what I have said in mind. This will be the last time I post on here.

Update by Andrew24
Apr 02, 2013 5:15 am EDT

I am also not the only one saying Wells Fargo is evil. 99% of the people who bank through Wells Fargo dont know about this website if they did there would be millions of complaints. I never said you worked for Wells Fargo. I said you might work for Wells Fargo since you were defending them. As for my finances I guarantee I can manage them better than you. I never got $100 a week from my parents when I was in high school, you should feel privileged. Wells Fargo is evil and as the band Metallica would say SAD BUT TRUE they are. With the attitude you have had towards me and the other people who have money problems and not caring I wish that you go through the same problems we have had just to walk a mile in a man's moccasins. I think it is time for you to GROW UP.

Update by Andrew24
Apr 02, 2013 12:59 am EDT

I hope one day you have a huge medical expense or you loose your job, and can't pay your bills. You can eat the words you just said and get a taste of your own medicine. We will then see who acts like a five year old or a snotty 16 year old girl.

Update by Andrew24
Mar 31, 2013 12:04 am EDT

Well I guarantee your parents have had money problems at some point in their life, and chances are it wasn't even their fault. They probably had money problems right after they had you because your mom had to stay home and take care of you for the first two or three years and she could not work. They could have had a medical crisis like I did or lost their job because the company did not need them and were laid off. I am not looking for a handout, I have looked for a second job or find a better paying job then the one I have but jobs are scarce in this recession and you have to take whatever you can find. I was unemployed for a long time and spent a fortune on gas which is almost $4 gallon just looking for a job. I have worked hard my whole life I graduated high school I even have a college degree believe it or not and am going for a second one. So before you people who have said that I am a worthless dead beat freeloader and is good for nothing person not wanting to pay his bills THINK AGAIN because I have worked very hard my whole life. Nothing was just handed to me unlike some people in this world, everything I have I have worked hard for.

Update by Andrew24
Mar 30, 2013 3:17 pm EDT

I didn't say they were a charity. I am a mature adult who just ran into some financial trouble. I am not refusing to pay my bills I even have good credit. Don't tell me you have never run into money problems before, because I guarantee you have, everyone has at some point in their life.

Update by Andrew24
Mar 30, 2013 2:55 pm EDT

I want to work with them they don't want to work with me. As for only about 800 people complaining, most people who bank through Wells Fargo don't know this website exists. If they did there would be millions of complaints. I don't care what anybody says Wells Fargo are CROOKS, they are heartless, uncaring, show no remorse or sympathy, for the hard working Americans who have worked for every thing they own.

Update by Andrew24
Mar 29, 2013 11:52 pm EDT

I am not acting like a five year old, refusing to pay my bills, and lastly I am not lying. There is a difference between having money problems and just refusing to pay your bills. I feel I should pay what I owe on the car, I just ran into some financial difficulties. I never said you worked for Wells Fargo I just thought you might since you were defending them. I quote the Bible for what it says but I am not breaking its traditions, and I do not use the Bible to make excuses. I WORK HARD! At work and in the classroom, I work all the hours I can to make ends meet, I am taking this class online so I can get a better paying job. The library has the Internet but they are only open certain hours and sometimes you cant even get on because there are no open computers so I need the Internet. I am not a lazy freeloader who does not want to pay his bills. I even have a 720 credit score and have never missed payments on my bills until I ran into financial trouble. So if you still think a 28 year old who has worked hard his whole life and has made many sacrifices in order to get where he is today who works a demanding job and goes to college full-time is an immature adult and acts like a five year old then I don't know what to tell you because you are VERY WRONG!

Update by Andrew24
Mar 28, 2013 10:15 pm EDT

I know the bank is not my friend, but with no interest being charged on loans America would be powerful and prosperous beyond its wildest dreams. It would be equivalent to a 50% increase in purchasing power for buyers. The Bible is also against usury or interest.

' If one of your brethren becomes poor, and falls into poverty among you, then you shall help him, like a stranger or a sojourner, that he may live with you.
'Take no usury or interest from him; but fear your God, that your brother may live with you.
'You shall not lend him your money for usury, nor lend him your food at a profit. (Leviticus 25:35-37)
Read Billions for the Bankers, Debts for the People, yourself and tell me what you think after that you can go online to read it. Just do a search on Google or Yahoo.

Update by Andrew24
Mar 28, 2013 4:15 pm EDT

300 Billion Dollars a year or more is being robbed from the American people from interest on loans such as car loans, home loans, student loans, and credit cards. America is on the brink of collapse and the bankers will be the people who caused it.

Update by Andrew24
Mar 28, 2013 4:10 pm EDT

Well word has gotten out about Wells Fargo and everybody knows it. You should read the book Billions for the Bankers, Debts for the People by Pastor Sheldon Emry. This book exposes how the bankers have cruelly robed people of their money and savings, caused divorces among American couples and is going to ruin this country financially. It is only a matter of time before this country collapses and falls to its knees and Wells Fargo will be part of the reason.

Update by Andrew24
Mar 28, 2013 3:50 pm EDT

I am guessing tasha14 works for Wells Fargo. I am not the only person who has posted complaints about Wells Fargo over 800 other people have posted complaints ranging from Wells Fargo not wanting to work with people to harassing phone calls.

Update by Andrew24
Mar 28, 2013 3:47 pm EDT

I am guessing it tasha14 works for Wells Fargo. I looked on the Internet and I am not the only person who feels this way. There are over 800 people posting complaints about Wells Fargo from not wanting to work with people, harassing phone calls and overdraft and late fees.

Update by Andrew24
Mar 28, 2013 2:08 pm EDT

I need the internet because I am taking college classes online I would like to have a degree to get a better paying job, and I never hung up on her she was very rude to me though. Believe me if I had the money to pay the auto loan I would pay it. It is not like I am just refusing to pay. I just ran into a financial hardship and need them to work with me. If someone owed me money and they ran into financial hardships I would work with them, I would either reduce the payments or just postpone the payments until they got back on their feet. Life is a two way street! if someone does not want to work with me, I do not want to work with them.

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Olga Vargas
Boone, US
Apr 07, 2013 10:26 pm EDT

Financial problems or not, some things like taking money from people and not applying to account even after statement of active foreclosure, keeping and not applying money paid is just simply wrong! That's what happened to me:
Long story short: payments $200 over minimum were taken and part ( min payment ) was applied, the rest put in unapplied funds; foreclosure followed and payments were taken and not applied/returned sitting in unapplied funds; 3 months later they filed foreclosure . Now, I'm gonna have to fight to keep me and 2 little kids in a home.
I would like to share my story and make you aware of how unfair the veterans are being treated, in particular by Wells Fargo Bank.
We own the 2 bedroom house since 2005. This January the bank has put the mortgage account in active foreclosure. I am a mother of 5 and 7 year old boys with full custody currently occupying the property. We just moved back in the house after living in an apartment for a year due to the judge's court order to vacate the property on October 4th 2011. Now, let me get back in time and explain what exactly has happened.
My husbands served in Iraq back in 2003. Upon returning from active duty he was screened for PTSD, even though he was cleared, the symptoms showed a little bit. We got married in 2004. He got a job with Union Pacific Railroad and is still employed with them. He never talked much about Iraq. The time has passed and I became aware, that he didn't just got physically hurt ( as he was hit by a roadside bomb ), but also mentally. Things got gradually worse, in spite of me telling him to get checked out, he denied everything and always backed it up saying that he was screened for that already. Finally, he became very aggressive, that was taking a toll on me and the kids. In order to help him, I had no other choice but file a restraining order. The system is that, for the veteran to get help and get treated he needs to commit himself. Although, if the veteran is in complete denial, the only way out is a restraining order. The judge didn't order him to get treatment and me and the kids were still in danger, as in my husband's eyes I just wanted to kick him out of the house and the problem was me not him. He started drinking 24/7, not answering his job calls and one night, having a black out and intoxicated he broke into our marital property at 03:00. Me and the kids will never forget that night, as we were scared to death. He acted like he was on a mission: took his shoes off to be quiet, took his portable hard drive, PS3 game and a box of moving straps. None of that made any sense. He was taken to jail that night and didn't remember anything afterwards. After that he kept pursuing us and we had to go live in the shelter for our safety and even leave town for a couple of weeks, as advised by police officers reasoning that the judge didn't mark " no weapons " on restraining order. We were told to leave town if were in fear of being hurt by him. Union Pacific found out his situation and told him to either get fired or go into company rehab for alcoholism, which to mention wasn't the problem as he didn't drink before it all happened.
So, he went off to rehab in Salt Lake City and me and my boys were ordered out of the house. The property is in both of our names . We moved and lived in an apartment without any help to pay for it, as CIRHA had a long waiting list. I had to get a job. We struggled but managed.
Time passed, Jesse came back from rehab feeling better. Throughout the year of 2012, I had no way to know if he was really better or not. I answered numerous calls from Wells Fargo, as I was told that he was falling behind on payments. We do not know the reason why. I explained to the bank the real reason and what was going on. All that ever was put on file was hardship. I came to drastic decision and filed for divorce. After that, even though every time I spoke to Wells Fargo agents explaining the real situation, they put hardship and now divorce on file.
September 2012 I was notified that he was moving out and me and the kids could have the house. We moved again I kept up on house payments. I also was informed by Wells Fargo that as of September the mortgage has fallen 4 payments behind and was at risk of foreclosure. I kept on paying and told Wells Fargo agents numerous times that I had an intention to keep the property and could catch up with my tax refund. None of that is on their file.
Now, I've come to find out that Jesse was making $200 over the monthly payment. That money were not applied to the account and set aside. My lawyer had doubts that $2800 is owed as the bank claims.
I'm having a nervous breakdown in fear of losing everything and that this time me and my kids will have to go live in the shelter, but lose all our possessions.
What has happened, why? I have no answer to that.
That's how Wells Fargo treated the veteran, knowing it is a VA loan, and his family. They didn't bother asking if his problems were related to the war. They didn't put on file a single time what I told them about his problem. They didn't apply the extra money paid over monthly payments. I'm losing hope. I'm afraid Jesse will have a relapse because of all this. Unapplied funds? Sitting in unapplied funds file because it's less then minimum payment when it was actually over the minimum? My January payment is in the same file now as the minimum payment is $2800. I kept on making payments that were neither applied or returned until now . I was served with foreclosure papers on March 28th and going to fight it.
Was it our fault, the bank's, the government's-I don't know.
All I know is that I'm losing everything I had. My kids are losing everything they had as they were born in this house and consider it home. Is there a lapse in the system? Did the bank have the right to do what they've done?

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skyqueen1948
Victor, US
Apr 05, 2013 8:19 am EDT
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What's with all of those symbols and numbers?

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skyqueen1948
Victor, US
Apr 05, 2013 8:16 am EDT
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@KMQ, I know what you meant. I didn't say empty out either. And you don't need to tell anybody what the money is for, it's none of their business. It's your money you can do whatever you want with it and you needn't justify your needs to anyone-well, maybe WF. Take it out/pay it back, take it out/pay the penalty. At least a person has a choice and choices are good. I didn't read anywhere Andrew said if he had a 401k. Maybe he should let the car go and get a bike? Next year my husband has to take a portion of his 401k out at age 70 and a half- that's the law.
Sheesh, I was agreeing with you for the most part. You must be a night person also. I'm going to bed. Good night.

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KMQ
Glen Burnie, US
Apr 05, 2013 6:07 am EDT
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@ SKYQUEEN1948 I didn't to say to empty out the 401K I said that you could take a Hardship Loan from it, which I know must be paid back or be penalized.

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skyqueen1948
Victor, US
Apr 05, 2013 5:29 am EDT
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@KMQ, I'm sorry to say you are wrong about people tapping into their 401ks The only thing with the tapping it has to be paid back or you end up paying taxes on the money that is withdrawn. We tap ours, fortunately when we got out taxes done we were below the poverty level so the amount we withdraw isn't taxed plus we got a 80% reduction on our property taxes. Andrew, I agree with KMQ, go talk to your bank, talk to the person who you got your financing through, don't beg just act real pitiful. Just remember they can kill you but they can't eat you. Good luck.

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KMQ
Glen Burnie, US
Apr 05, 2013 4:56 am EDT
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Andrew most people who know that they can not tap into their 401K plans for a hardship loan, purchase the GAP protection, just in case they lose their jobs or fall on hard times.
As for WF not accomodating you, they were wrong. Most Banks will work with you if you have a hardship and will push your carnote back a couple of months. I know this to be true because I know people who have done so.
Maybe you should walk into a branch and speak with the Bank President.
I wish you the best.

Why The Long Faces
Why The Long Faces
, US
Apr 03, 2013 5:42 am EDT

Many people think banks are evil. They are the ones who can not control their spending or balance their own checkbook. Those of us who manage every day to do so think our banks are fine.

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totoannihiIation
, UG
Apr 02, 2013 1:48 pm EDT

I agree with Tasha, you claim you are looking for another job, but all I see here is you bashing both Tasha and the company. You seem to be online more than offline looking for jobs, going for interviews. You need to look for ways to cut your expenses.

I also agree that giving a teen $100 a week without having her have to earn it is not a way to teach her about life.

However you are the adult here and for you to argue with a 16 year old and stoop to her level is wrong no matter how upset you are. For you to wish ill upon her because you don't see eye to eye is not adult behavior.

Both of you need to grow up.

Why The Long Faces
Why The Long Faces
, US
Mar 29, 2013 6:12 am EDT

The bible also says pay what you owe. And the bank is not church so the Bible does not control your loan. Do not use the bible to break it's laws.

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Taylorh2
Aurora, US
Mar 28, 2013 4:37 pm EDT
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Thank you Tasha 14. Sometimes I get 'notifications' and when I clip on it, there's nothing there. Now I know. :-)

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Wells Fargo overdraft fee protection

a Banker told me that i could save money with the overdraft fee protection on my checking i also had the save as you go account from which they also took money. Well, as you can imagine i went from one overdraft fee to four overdraft fees a day. That was not explained to me when i agreed to the protection. I am on a fixed income, which mean that i get a check once a month for my rent and other bills, I have nothing to live on because overdraft fees are about three hundred dollars from February and four hundred dollars for January which means i am back in th hold for April. This bank is draining any progress that I made to repair my credit. I tried to make payment arrangements on the phone and got hung up on waiting for a agent or banker, tried again same thing which leads me to believe that they did not want to do that, they want everything at one time. These Banker should be a shame for offering their products without fully explaining them to the customer first and leading them to believe they are getting such a great deal. Now I know what the wall street protesters were talking about, big bank only care about the people who have money not the little people.

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Wells Fargo unhappy wells fargo customer!

I took out a secured loan through Wells Fargo a year ago to build my credit. The transmission went out in my car last week and I needed to come up with a large sum of money quickly, so I talked with a Banker who told me I could pay off the remaining balance of my secured loan and then receive the initial funds that same day... So I borrowed the money to pay off my loan from friends and family promising them that they'd have their money back the next day... It has now been 6 days and still nothing! All day today has been spent trying to track down the branch manager who at first I was told wasn't going to be available today to help me with this issue. Then I called back spoke to another banker who said she was out at "lunch" at 3:45pm!?! I'm really stating to get livid and feel I'm getting nowhere! Now my car is going to be impounded, my friends and family are angry and I'm about to lose my job due to how much time I've missed. All because of miss-information! plan to close all my Wells Fargo accts and will not bank with them at any time in the future!

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Wells Fargo outrageous overdraft fraud

I noticed at noon today (3/25/13) my balance was low and that I only had a little over $2 in my account. I used the Direct Deposit Advance option, in the amount of $140, to cover any possible cover charges that were to come through my account. Not only did Wells Fargo hold a charge from the 3/22/13, but they charged me for $35 twice on one transaction and another $35 charge once on a lower transaction for the same company. Making my account negative $84 dollars.

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LC23
, US
Mar 26, 2013 4:48 am EDT

I have noticed this also. I have noticed that Wells Fargo will show a charge as pending when a company sends it through. They will take as long as a week, maybe even a week and a half to fully clear. They blame this on the company. However, it is really Wells Fargo playing games with your account hoping you will make a mistake. I have a charge from four days ago that disappeared and then suddenly cleared my account today. The only day that it has been below that amount because I transferred money to my other checking. I also had a $600 mattress charge from two weeks ago. They lingered it around my account for a week and a half. Even three days after I had received the mattress, Wells Fargo still had not caused the charge to clear. They were hoping I would forget and take the money out. They try to blame their slow process on the merchants, but I highly doubt a merchant is going to ship me a bed before clearing payment, and then wait 3-5 days later before getting their money. This should be illegal. Wells Fargo does this a lot and on purpose. I have decided after everything clears on my account, I will use another account for my debit and online purchases. A bank that will clear charges when the merchants send them through and not when they feel like it. A bank that isn't always trying to catch their customers off guard by holding charges a week and a half.

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Wells Fargo mortgage fraud

Wells Fargo Home Mortgage and Wells Fargo Bank N.A., has and/or are currently attempting to defraud us out of tens of thousands of dollars and using the threat of foreclosing on our home to coerce us into committing perjury on government-insured loan applications & documents.

1. Mortgage Fraud - more then $ 15, 000.00 in uncredited payments. [Proofs of payments have been sent to WFHM and without explanation WFHM has ignored the proof of payments.]

2. More than $ 6, 000.00 fraudulent charges for services never performed. [5-separate itemized lists of the fees/charges have been sent to us since December 2003 through Dec. 2011. The list should be identical except for new charges and/or payments being added as the newer lists were updated. When these lists are compared to each other there were more than 280-discrepancies for the services and charges listed.]

3. Improper charges for hazard insurance when we carry our own insurance, and thousands of dollars of changes to our escrow account for a completely erroneous reason.

4. Refusal to supply documents that were requested in a Qualified Written Request, and by federal law we are entitled to. Specifically but not limited to: 12 U.S.C. Section 2605(e)(1)(A) as amended effective July 16, 2010 by the Dodd-Frank Financial Reform Act and Reg. X Section 3500.21 (e)(1). [These documents are needed to resolve the financial issues with our loan/mortgage. If all of our payments, have been properly credited to our loan and the Corp. Adv. charges are legitimate why is WFHM refusing to supply documents we are entitled to?]

5. Refusing in writing to send us our official “Life of Loan History” that we have in writing requested more than 6-times and again by federal law we are entitled too.

6. Preparing and sending us unofficial payment histories that have been altered and/or are incomplete. Also falsely claiming that these altered and/or incomplete payment histories are the only payment histories that are available. [Again if all of our payments have been properly credited to our loan and the Corp. Adv. charges are legitimate why did WFHM sending us unofficial, altered and incomplete payment histories and refusing to send us our official “Life of Loan History” that by federal law we are entitled to?]

7. Loan Modification Fraud - by including tens of thousands of dollars fraudulently in the new loan, thereby defrauding us and the government-insured Making Home Affordable program. [ Including in the new loan the more than $ 15, 000.00 that we have paid but wasn’t credited to our loan and including the fraudulent Corp. Adv. charges for services that were never performed.]

8. Using the threat of foreclosing on our home to coerce us into committing perjury on a federal loan application & document. [ We have a digital recording of the phone conversations and letters from WFHM stating this fact.]

9. Manipulated our monthly mortgage payment amount solely for the purpose of changing our eligibility status for the Making Homes Affordable loan modification program. First by raising our payment making us eligible for the program and then when we refused to complete the application until after all the financial issues with our mortgage were resolved, WFHM lowered our monthly payment so that we missed eligibility by ½% point.

10. WFHM & WFB has used the US postal service to try and defraud us out of tens of thousands of dollars by sending us fraudulent documents and then demanding payment for fraudulent charges, i.e., services that were never performed and demanding payment for amounts we have already paid.

11. WFHM is currently using fraudulent Assignment of Deed of Trust documents in the foreclosure proceedings against our home, which directly violates federal and state laws and the settlement agreement with the U.S. Attorney General’s office and violates many other federal and state statues.

Please review the attached letter and the supporting documents in my drop box account at:

http://www.dropbox.com/sh/s33zhdi4w4xu0m7/LttJvOua8w

We have and can send complete copies of any and/or all documents, correspondences and digital recordings of phone conversations with WFHM representatives.

Please inform us if your office or another agency will investigate this complaint and/or if there is another agency we should contact.

Phone 623.846.2323 / Email: [protected]@q.com

A question I have is: If the FBI was sent a lead that Wells Fargo Bank was going to be defrauded out of tens of thousands of dollars and once the fraud was committed the money would be unrecoverable and credible documents to support the claim were supplied. Wouldn’t the FBI try and stop the fraud before it was committed?

If WFHM is allowed to proceed with the foreclosure proceedings against our home using the fraudulent Assignments of Deeds of Trust and by fraudulent claiming that we owe them tens of thousands of dollars for services that were never performed and money we have already paid that wasn’t credited to our loan, then Wells Fargo will be defrauding us out of tens of thousands of dollars. Shouldn’t we be protected from this happening to us? Under federal laws do we have any protection to keep this from happening?

If our home is sold through a trustee sale we won’t be able to recover it and we don’t want to sue WFHM after the fact we just want to legally save our home without having to commit perjury on federal loan documents do so.

Thank You
Don Carson

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Wells Fargo deferment auto loan

our auto loan has a perfect history with wells, we asked for a deferment for 1 month when we had switched jobs and money was tight.., they said ok and erased our auto loan payment for that month, then 12 days after the MISSED payment they hit us with a late fee and said that they hadnt approved the deferment...yet they were so sure of it that they canceled our scheduled payment for the month?! called to have the late charged waived at least... NO THEY WONT!? they are horrible

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Wells Fargo employee kidnapped to conceal

All Police a/v and reports posted to prove to 100% standards every word I write and a lot more. This is unique in that I obtained and posted OFFICIAL a/v of what they did to me. I worked Wells Fargo Home Mortgage last 2 of my destroyed 30 year career. Each week we were compelled to falsify sales systems entries. I became concerned with that...considered it system fraud. I reported it internally and they made life very hard on me. Then I did what nobody ever does: I walked into the FEDERAL BUREAU-INVESTIGATION (FBI) in person with sworn evidence. That is called "evidence parking". 2 days after the second evidence parking Wells Fargo arranged LOCAL COPS to come to my home and have me arrested and hauled to jail for a completely falsified "crime" that never happened. Dismissed, no hearing but...I was taken from my home in chains, no arrest warrant, massive SWAT action for... 2nd degree municipal trespass the day before. MEET REAL ME IN SWAT CAR. HEAR HOW POLICE MADE IT UP and company falsified 911 call the day before to 'paper' what they were doing. Big OOOOPS, they left their microphones on when they went back to police HQ to pre-mediate the later kidnapping. Big, giant...OOOPS. Caught with their pants down and red-handed.
www.RisePatriot.com (no ads, 1st hand only, police/court AV. Malware scanned daily, identity confirmed on site by Sitelock (internet security). I made a VERY, VERY unusual SHOOTING GAME on my website...if not into banking at least Enjoy the Shooting Game and the Fine Music that goes with it. www.RisePatriot.com (backed up on www.osunrise.com)

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Wells Fargo holding my tax refund without explanation

The IRS released my tax refund on 2/27/2013. On 2/28/2013 wells Fargo prepaid service closed my card without notice. I called and was told it was because my address didn't match deposit info. I sent verification the same day requested to only be told that my personal refund is being further reviewed by wells Fargo. They refuse to give me detailed info as to why given this is my federal refund . Each day i call IMO told to call back. 3-4 days. 5 days. 24-48 hours. No explanation of this review. No tIMOe frame of this process. They refuse to give contact info for complaints or to the department so called reviewing-my return. Don't know what to do. They are holding my 6000 refund!

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Wells Fargo refinance

I currently have a mortgage with Wells Fargo. I contacted them about doing a refinance and the loan specialist told me that they had a program for current customers with good credit, which I have. She told me that I would be able to do a Streamlined loan, which means less paperwork and faster turn around time. I sent the application in 1 Oct 2012. For the next few months I didn't hear back from the loan specialist. I emailed and tried to contact her. She finally responded and stated that the loan was almost finished and then disappeared again. I was able to locate a personal cell phone number for the loan specialist and when I got in touch with her she said that she no longer worked for Wells Fargo. I called Wells Fargo and they said that my loan application was cancelled because they couldn't get in touch with me. Since I currently have a loan with them they have my contact info, which they failed to use (no email, no phone call, nothing).

The person at the Wells Fargo "executive" complaint section said that there was nothing she could do. I asked her why nobody contacted me and she said that the loan processor probably didn't have the capacity to contact me because it wasn't their job, it was the job of the loan specialist. Basically, the complaint section went out of her way to outline the job differences, expectations between the different departments with Wells. I told her that I am dealing with Wells Fargo and the way Wells divides up their work assignments should not be my concern. She said that the application was cancelled and that I would have to reapply (five months later). I asked her why they couldn't honor my original application and they Good Faith Estimate and she told me that the Good Faith Estimate doesn't mean anything. She said she would have another loan specialist contact me so I could start over. I asked her to email me with the status because I am currently serving overseas and there is a time difference. She said that she is not able to send external emails. I have excellent credit and a little upset that I spent 5 months waiting for them to process my application and they strung me along and then cancelled it. If it was cancelled for bad credit, etc. I would be okay with it, but it wasn't. Doesn't anyone take responsibility for their business anymore? Is there any recourse in this?

Thanks for any advice...

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Pissed at Wells Fargo
, US
Nov 13, 2010 2:28 am EST

I tried to refinance my house with Wells Fargo and I have a good credit score, I owe less balance on bills then when I bought the house as well as I put a large down payment down so I don't owe a lot. the person I was working with was concerned about a balance of $32.40 which was going to be paid off that week. Even thought they have gotten Stimulus money they are not interested in refinancing my house. I pay my mortgage early every month since I bought the house.

They are not interested in any business

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Rheadawn
Spencer, US
Jun 12, 2012 11:16 am EDT

Our mortgage was purchased by Wells Fargo 10+ years ago. We are pre approved with excellent credit so we wanted to refinance for a lower interest rate. We started the process 13 weeks ago and are no closer. They keep asking for more and more information. Each time we send what they want we are told that this is all they been waiting on and as soon as it is received they ask for more. We have purchased 3 homes and refinanced in the past and NEVER have we took this long or been through a nightmare like this. Just say NO to Wells Fargo.

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Andy Clark
Eugene, US
Mar 08, 2013 3:00 pm EST

They break all jobs into the smallest parts. It is called "obfuscation". It is one of the hallmarks of Racketeering subject to RICO. When I worked there... that happened all the time. I reported them to FBI while employed...sworn with evidence. See what Wells Fargo did in attempts to hide it. Going into court. Meet me in official SWAT a/v. www.risepatriot.com (no ads, 1st hand)

Regarding the loan... try other lenders. You can often get a LOWER RATE/LOWER APR even if there are closing costs added. Even MORE WEIRD? They are so screwed up it is likely you can go to a different Wells Fargo mortgage office and re-apply. If it was their '3 step loan' ask the Branch to CALL the HARP/3 step internal helpline to get an exception. They used to grant exceptions from that office.

Bottom line: go into a branch, find a loan officer stupid enough to stay there more than a year or two and see what they can do for you by calling the office I suggested to try. Dont count on anything changing but it might be worth a shot.

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Wells Fargo bank manager

I recenly asked to see the Branch Manager over a business loan. The loan officer was rude and the Branch Manager I use to deal with no longer worked there. So, the new one (Tashana Bisumber) started that it was not her job fuction and that she was not able to help me resolve my issue.

I found this very un-professional and have decide to cease all tranactions with Well Fargo Bank in all future proceding in the future. If anyone has to deal with personal or business banking I suggest they look elsewhere.

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Andy Clark
Eugene, US
Mar 08, 2013 3:15 pm EST

I worked there for the last 2 of my destroyed 30 year career. Their employees learn by slaughter of other employees that it is NECESSARY to act as you describe. www.risepatriot.com (no ads, police av, this case only) At Wells Fargo, they have a massive and deadly internal retaliation system against employees. It is all over the web and even Youtube so I am not the only victim. Their human resource response was put together by hoards of attorney and security companies..I doubt their senior management has any idea at all what is actually happening. Why not see how that went for me...reporting system fraud per the book and per the law... no ads. first hand factual only. POLICE a/v. Hear how they LIE. Hear the actual premeditation between company and local police to discredit my while-employed evidence parking here in little tiny Eugene Oregon. Try explaining Dodd-Frank to the cop while handcuffed. Go listen to me doing that. Then hear the actual internal police av of the setup. Historic and hysterical. www.RisePatriot.com no ads, no-malware certified daily, identity confirmed by Sitelock (web security company). backed up www.osunrise.com. Point being? THAT is what they do to employees who actually follow the laws and rules and/or try to help customers. I blame Wachovia mostly...turned the whole thing into a global criminal cartel IMHO

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Wells Fargo refinance scam

About December, 2009 I began a load modification process with Wells Fargo. For the next 10 months I was requested to send documents to support my account information. During those 10 months I dealt with Wells Fargo Reps in California, Minnesota, Charlotte, N.C., Wisconsin and others places I can't recall. Got numerous requests for more info and when I informed them the info they were requesting had already been submitted they somehow found the data and we completed our conversation. Being a veteran I asked for any leverage that would help my situation. I was told being a Veteran carried no weight with this modification because the modification was not dictated by govt. regs. After 10 months of paying a lesser amount of 350.00 they told me I did not meet the Federal Guidelines on income. I made $25.00 a week too much. Then I was told I owed them $3, 500.00 and my payment would revert to 880.00 per month. Or they could try to enroll me in another program. After a couple of months I received an application for this new program. They also included a repayment schedule for the next 30 years. After 8 years on this program I would again be paying around 880.00 per month. They also added $8, 000.00 to my mortgage. Before the modification process I owed about $120, 000.00 and after I owed $128, 000.00. I could not come up with the additional 3, 500.00 so to keep my house I had to accept and sign the new agreement. The reason I call it a scam is because they were aware of my income from day one. Then 10 months later and 3, 500 more in debt they said my income (according to Federal Guidelines) was too high. I would appreciate any help you can offer. Respectfully, Gary Tinsley

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Wells Fargo slow closing

August 20th. Per approved for a home loan. Found a home and began the process in earnest on Aug 26th.
September 8th we pushed the appraisal of the home through by paying an appraiser an exorbitant amount over his regular fee. Inspection also completed.
New loan officer. Asking for more paperwork. Done. Sept 30th.
October 30th. Still waiting
November... Should be ready in a few weeks...
December... New loan officer (again) missing some things... (Yes, Had my copies so resent those)
January ... Office moved...
Need another inspection. Done Jan 30th
February 8th...
It's with the underwriter
Wait. We need you and homeowner to initial and date these pages because these dates are from August.
Done. Sent following day.
It is Feb 28th. I am beyond losing my patience on this!

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Wells Fargo loan disapproval

I called ASC to apply for a home loan refinancing on 2/21/13, and I was referred to this guy named Jeff(loan specialist?). After he found out that I had a foreclosure 2 years ago, he suddenly told me that my loan will not be approve(even though no documents have been filled out/submitted for consideration, nor credit check) and refused to draw the loan documents. How can they based their decision from what they hear without any written proof? I bought 2 cars after I foreclosed 2 houses and one of the loan was from WELLS FARGO BANK, ASC's mother. All I want to do is lower my payment to avoid foreclosure. But I guessed the banks like to collect properties and payments after they sucked you into their dirty programs. They should be more accomodating in terms of loan qualification especially for those people with existing loans from their institutions that want to save their homes. If they qualify me for a loan with higher interest and payment before, how come they cannot qualify me for a refinancing that will lower my monthly payment? What's hap with that? There something wrong with the system.

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Wells Fargo insurance claim

We had a fire in one of our rental properties on November 6, 2012 today is February 21, 2013 and we still have not received our funds for the repairs. Wells Fargo has this policy that if your insurance claim check is over $15, 000 they must keep the check and issue it in one third intervals. Well, we sent them our insurance check and have been waiting to receive paperwork to get the process started. The first lady said she would be faxing it within 24 hours and still have not received the package. The second lady said said she would FedEx next day air it but I would not get it until Tuesday. Today is Thursday I do not understand how she thinks 5 days later is next day air. I still do not understand why they should be overseers of insurance money that we have paid the premiums for (not in escrow). I do understand if they have to be overseers the process would be sooner than having to wait 6 months to get your first check to pay your contractors.

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Wells Fargo fraudulent charge handling

We had 2 fraudulent charges show up on our checking account today. Called Wells Fargo and tried to report them. One for $80 and a second for about $29. They denied our claim saying that there was no indication of fraudulent activity. We said that we are reporting this as fraud. We are in San Diego and one charge was listed as Phoenix, AZ. No recourse for us. The charges aren't even "posted". They are "pending" at this point. They say they can't reverse the charges until they are "posted" which they say can take up to 10 days. And, during that time the amounts can change. They can't even freeze the amount. No help at all. Their reps wouldn't even give our their full names. And "Sam" said his managers wouldn't talk to me either -- "they manage people, not answer phones." Wells Fargo has lost us as customers forever. Worst experience ever!

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Why The Long Faces
Why The Long Faces
, US
Feb 20, 2013 5:58 am EST

Every bank works the same way. Until a charge posts and clears they can do nothing. Exactly how did someone get your bank card?

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slynn1
Orange, US
Feb 20, 2013 3:13 am EST
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Change banks. I hated Wells Fargo! They are horrible!

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Wells Fargo harassment

After my Grandmother passed away, our family was told to "continue making the payments on her car" . We offered her Death Certificate and we were told it was not needed. A year passed and our family received a phone call from a Wells Fargo Dealer Services Representative that stated the payment was 5 days late and they were going to repossess the car. After providing proof of payment, we were then told we were months behind in payments, to which we had to provide proof that payments were sent Western Union. We were told to "pay the past due balance to hold of repossession proceedings". When we asked for their promise in writing, they would not provide us anything. They continued badgering us daily, several times a day, for payments. When we provided them proof of all past payments (three years worth), they advised us that procedings were already in effect that if we did not pay off the entire balance of the vehicle, they were repossessing it.
The representative was not compassionate, would not give anything in writing and threatened legal actions on us. Mind you, none of us were secodary to my Grandmothers loan, we werent even listed as references!

Now Wells Fargo Dealer Services is having their "investigator" contact me at work! Harassing my boss and asking personal questions. It is to the point, I have now had to hire an attorney! I would avoid doing any business with these people.

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s2ker
Los Angeles, US
Aug 30, 2011 10:45 am EDT

Wells Fargo has multiple times taken the liberty to contact my workplace and the references from my original loan (a former girlfriend, my family, and a friend) if I am a couple days behind on my payments. I have made efforts to be communicative with them, and what do I get in return? Being put on hold and having a gruff woman answer and say "Repo Department." Right. Repo department. After like two weeks.

These guys are sociopaths and lawbreakers, plain and simple. According to the FTC website:

"If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney."

I guess that no one informed them that it's illegal to harass their customers' friends, coworkers, and family (after THEY have told them to stop calling them), and go out of their way to humiliate you by telling those people who they are, and that you "have missed a lot of payments and they are going to pursue litigation." WHEN YOU HAVE SCHEDULED PAYMENTS NONETHELESS. I'm four years into this loan and they've gotten every payment out of me. If it's been late, I haven't tried to argue late fees; I've apologized; you try to be up-front and respectful, and this is how you are treated.

I am sick and tired of this, and I am taking this to litigation myself. I don't care if I lose a few grand on it, I am absolutely sick of these antisocial thugs and will gladly do so on principle, since I just got a pay raise.

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futbol24
Watauga, US
Sep 21, 2011 9:39 pm EDT
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in order for a company to stop calling you and contactin gyou you need to submit a cease and desist letter.

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YoYoYo1
, US
Aug 30, 2011 11:20 am EDT

My man!
Next time, record the conversations and post names.

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Wells Fargo bank fees

We have a Premier Banking account with Wells Fargo (which purportedly means that we are supposed to have premier level service). Several months ago, my husband noted that we keep having a recurring monthly service fee of $30 pop up on our account. He contacted WF twice: once by phone, and once in person at our local branch. Each time, he was reassured that the "technical glitch" that ensures we are not charged a service fee, would be corrected. I logged online today, to see that we had been charged a total of $300 in fees. As a result of our various contacts with WF, $180 had been credited back, but that still leaves $120 left uncredited. According to WF, those fees cannot be reimbursed, because we did contact them within a 90-day period. This, while admitting that they were aware of the "issue" whereby our account was not coded as a "fee free" account. Unbelievable.

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Scott007
Aliso Viejo, US
Jun 24, 2010 12:17 pm EDT
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My wife went ahead and tried to close her personal and savings accounts due to the recent complaints that we have incurred over the last few days with Wells Fargo.

She called and asked them to stop all banking activity on both her accounts. She got a confirmation # and the person’s name that they would.

The next day, she got charged a total of $57.00 in fees ranging from over the limit, late and daily late fees. She closed the account; they keep it open for two more days! Why?

We went down there together and talked to the manager on duty, (Lorenzo I believe) and he told us that yes, while we have a confirmation, it was no good until we actually closed it. what?

This conversation lasted 20 minutes and all he would do was take one $5.00 fee off, nothing else. We paid the $57.00 in charges and got him to give us another zero balance statement and close the account. We thought!

He then said, oh, by the way, I can't close your account until tomorrow. When we asked why, he said he doesn’t have the ability right now but call him tomorrow around 10am in the morning when he gets into work and he will close it then. But until then, any charges that happen, we are responsible for!

What?

What am I missing here?

Whatever happened to the customer always being right? Ok, maybe not always but I am noticing a pattern here with Wells Fargo.

I guess they no longer need business from customers and they have gone into a new business that they are not telling us about!

WELL, MY FAMILY IS DONE WITH THEM!

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Crazedfan1612
, US
Mar 13, 2012 7:05 am EDT

It's bad enough that these big banks have caused the biggest financial meltdown of our recent times, now they have the audacity (after taking money for bailouts) to charge us checking account fees. I called Wells Fargo yesterday to ask if I will be charged the new $7 fee after reminding them that I have two other separate accounts plus a mortgage and they flat out said they can't help me and I will be charged to maintain that specific account with the bank. This is outrageous and surprised that the banks do not learn their lesson. After the outrage caused by BofA fees last year, Wells Fargo thinks that customers are going to let this go. I encourage all those who bank with Wells Fargo to call the bank [protected]) and let them know that know they cannot bully us around.

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Wells Fargo wouldn't refinance my home when I had excellant credit ad income

I am a Dog Breeder and I went through a Divorce in 2007/2008. I had sold off all but 7 of my dogs between 2005 & 2007 per my husband's pressures "to head South for the Winter". Then the Divorce happened which left me only with these 7 Dogs to "start up with" and to build my Business "back up again" from scratch, from what was once a well established Kennel. In the Divorce, "if" I wanted the house "and" the Kennels, the "choice" was to also take $250, 000 in Bills which included a 1st and 2nd Mortgage with Wells Fargo Bank. But, I had visions of putting both Mortgages into one and with a "lower" Interest Rate. Right now I am paying 5.75% on the 1st Mortgage and 8.75 % on the 2nd Home Equity Mortgage. Finally in 2009 and in 2010 I had made $32, 000 each year on my Dog sales, so that meant I "could show Income for the past 2 years.. And my Credit Rating was 751 and my Payment Records (including both Wells Fargo Mortgages)...was IMPECCABLE ! I HAVE "NEVER" BEEN LATE ON "ANY" OF MY BILLS..."FOR THE PAST 33YEARS "...NEVER !

I tried 3 times from 2009 by calling Wells Fargo Mortgage when the HARP pogram came out. Twice in 2009 and once in 2010 when they came back, said it was extended, and I was getting all kinds of letters from Wells Fargo Bank in my monthly Statements saying they would go 125 % of the value of your home...etc, etc, etc. But they would only go on the 1st Mortgage. Refinancing the 2nd Mortgage "was Cash Back" they said and they wouldn't do it that way. By that time my Property Value had gone down like everyone else's, but if they would go the 125 % then "why" couldn't I refinance BOTH of those Loans..."with my Exellant Credit record and my Income of $47, 500 from my Dogs Sales and Social Security" and they wouldn't do a Refinance for me ? ...but here is the Corker...read on:

I was always bugged by the local Wells Fargo Bank if I went and paid my House payments at the local Wells Fargo Bank. I told them I "had already "tried" 3 times with no luck because I needed to refinance BOTh Mortgage loans, not just one...I got a "persistant" Bank Manager ad she emailed the local Wells Fargo Mortgage Office ad the ext thing I know, I am meeting a Wells Fargo representative at this local Wells Fargo Bank, she tells me I "SHOULD" definitely qualify for the $214, 000 Loan she was requesting for me...and a week later she Fed-exed the Loan Papers to me and they even had a "Loan Number" at the top...the Loan would pay off BOTH my 1st and 2nd Mortgages AND "ALL" the Bills my husband's Attorney dumped on me !

THEN...a few days later this Ashley calls me...and she tells me "THEY won't okay the Refinancing" ! I asked her "Why" ?...she said "she didn't know"...that was September 2011 that all of this last stuff happened...I never DID find out WHY my Loan was refused !...UNTIL last month that is ...January 2013 !

A woman Puppy Buyer had bugged me to call this Banker I guess he was, "about Refinancing my home...I told her "I had already "tried FOUR times with Wells Fargo Mortgage and I wasn't going to "try" again!...she asked me again a few months later "if I had contacted the name of the man she had given me who did the Refinancing on "her" home...I said No and just passed it off, "because now, due to Wells Fargo Mortgage NOT helpig me out..." I finally had to File a Bankruptcy".

I told the Banker or whoever he was that "I was in a Bankruptcy now" and no one is going to "give me Credit NOW" ...including "his" Company ! He asked WHY Wells Fargo Mortgage "turned me down" ?...I said "I wasn't told WHY by Ashley"...he said "They HAVE to tell you WHY"...I said, "well she didn't !"...you didn't get a letter saying why ?...I said Nope !...it took him a week to call me back but here is what he found out:

Evidently the Wells Fargo Representative who took all of my Income Tax Returns AND Credit Information...did NOT send it off to a Underwriter to review...Those Loan Papers "STAYED IN ASHLEY'S OFFICE" evidently...but here is another "Corker"...te Banker said that the REASON the Loan was NOT processed...IS BECAUSE THE CUSTOMER (ME)..."WITHDREW" THE LOAN APPLICATION !...I NEVER WITHDREW THAT LOAN APPLICATION !

The ONLY person who could have gotte this type of information on a Laon Application...was "Another" Banker or Loan Officer evidently...because "I" sure was NEVER told WHY, with EXCELLANT CREDIT RATING AND INCOME...I was turned down !

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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?

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

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

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

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

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

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

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

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

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

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

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Wells Fargo contacts

Phone numbers

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

Website

www.wellsfargo.com

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