Wells Fargo

This is exactly what happened to me. I lost my job on 9/10 and while making a phone payment one day I heard a robo message that said I might be able to get help with my loan. It was the biggest mistake of my life.
The (first) rep that called me back (Andrew Berger) said that he could help and would send me the paperwork ASAP.
By 11/10 still not having received anything yet I called and of course his voice mail comes on, I decide to ask another rep and have to go through the whole identification process again.
I finally get the papers to fill out with a checklist and fill them all out and send them in.
I called about 3 weeks later and a rep explained that Andrew needed more paperwork, I explained to the rep that nobody had called and asked for any but she quickly replied we're asking you now. I spent money faxing 18 documents for $18 so that I could expedite the issue.
Again a couple of weeks go by and I call again just to be told that they needed more documents, by this time I'm in a bad mood to say the least.
I send in the supposedly last page and specifically ask the rep if that's it and she replies YES WE'RE GOOD TO GO.
A month goes by and nothing, I call Andrew 3 different times and always get his voice mail.
I finally call the main number and get another rep and have to identify myself all over again, the rep tells me Andrew is no longer with the company and there's a new rep working with my case her name is Yuen (not sure of spelling).
I contact my new rep and get her voice mail (what a surprise!) and left her my whole story.
She called me back surprisingly and heard about the whole story and would have an answer for me in 24 hrs.
Well when I did not receive a call back I called her and left her a message twice.
At this point 5/13/11 I decide to go to my local Wells Fargo bank to see if they can help me. The young lady got a hold of someone and handed me the phone. The rep asked if I could hold on so that she could locate my rep. She came back on 5 min later and told me that the rep was just terminated that morning.
I just lost it, the rep explained that her manager was in a meeting and could not help me but would call me back Monday with an answer for me.
Come this Tuesday 5/17/11 and still no answer I decided to call. Once again I have to tell my whole story to yet another rep (Susan SWK) and she tells me that a new rep has been assigned to me as of 9:41 am but she could not see the name or contact number yet.
She promised she would let them know the situation and have them call me ASAP.
Today 9/18/11 I get a phone call from rep number #3 (Adam S.) and as all the numerous reps before him proceeds to apologize and says he's here to help me out.
Now get this, they need the whole forms again since it's past the 15 - 30 day mark. I had to ask at this point without loosing my f...ing mind what about all the forms I sent in.
He tells me that they're no good and need to update them. He starts to explain to me what a loan modification was (something no one yet had explained to me) and from what I got from it was :
Ex: Monthly mortgage $977
Ex: Monthly after modification $177
Ex: Balance carried over $800
This goes on for 3 months after that if you're back to work and up to date your next payment is $977 plus balloon payment of $2400 ($800*3=$2400). ARE YOU KIDDING ME HOW DOES THAT HELP ME!.
Adam goes on to say that if you're still unemployed we can do another extension for the next 3 months and I quickly reply "then I will owe $4800 balloon payment right". He replies yes but...
I just tell him that if someone had told me this 8 months ago I would have NEVER asked for help. I told him to shove it all up their ### and hung up.
I called them back a few minutes later and spoke to Adam's boss (Josh) to ask him if this is a joke. He proceeded to repeat the same garbage and adding another tidbit.
They would not be able to help me right away because they have a backlog of foreclosures first to work on and since I was current I would have to wait for help or apply for a different plan.
So the jist I got is that unless you're in foreclosure they don't give a ### and if they do give a ### that kind of help is not helping you but them instead. I have 10 years left on this mortgage and I'll do the best I can but Wells Fargo can kiss my ###.

I purchased a car with my father as a co-signer using wells fargo auto finance. I had allstate as my insurance and wells fargo added balboa for collateral insurance. Unfortunately, the allstate insurance had a small lapse. What made things worse is during the small lapse, the vehicle began rolling down a driveway and smashed into a tree causing the vehicle to be totalled. Balboa paid wells fargo, but I was informed that I still owed over $1, 000. Wells fargo's collections began calling my father, who has been plagued with multiple illnesses trying to get money from him.

My mother told them time and time again that my father was sickly, but they refused to let up on the phone calls. Eventually, my parents had to file a complaint about receiving the calls. I tried to talk to wells fargo time and time again, only to be faced with the rudest people I have never had the pleasure in speaking with. How could I owe money for a vehicle that had been totalled, and paid for by balboa and still be responsible for payment?

Now the fun would begin. The vehicle, which was sitting in a driveway for over a year had vanished. I figured the wells fargo had finally removed it. More than three years later, my father tried to obtain a loan only to find out that wells fargo placed a "bad loan" on his credit report. Furthermore, wells fargo demanded the loan be paid in full. So now, wells fargo received money from the insurance company, took the vehicle, ruined my father's and my credit, and is still demanding money. I decided to call wells fargo once again on 5/17/11 and spoke to the rudest person ever, rubin, who began yelling at me, etc. I'm sitting here wondering if the call was recorded for educational purposes, if so, I can certainly understand why everyone is so disgustingly rude.

Now, if one should really think about it, why wouldn't the vehicle be considered repossessed? If that had happened, then wells fargo would have written the loan off. Instead, they have been holding this loan for over three years expecting to get paid. I feel as though they are nothing but a bunch of thieves. They accepted the insurance money, they took the vehicle and now they are ripping off the public. Guess it's time to contact the bbb, banking commissioner, my lawyer and perhaps the national news.

I pray for anyone that has to deal with any wells fargo product.

Checking my Wells Fargo bank account, I noticed two unauthorized charges to checking account on 5/16/11 (1) $57.61 and (2) $2.97. I have no idea who or for what these items are; nor were they ever authorized by me. I have no idea who or what this company is: AlliedW.com and especially I did not authorize these charges to be debited from my personal account. How this occurred, I have no idea! See attachment.
Rosetta Foster

Wells Fargo Attachment:
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05/16/11 CHKCARDAlliedW.com1888London GB $57.61
05/16/11 AlliedW.com1888London $2.97

Tow years ago we opened an account at wells fargo for ourserves and our son who lives and studies in another town so we can move funds to him. When we opened an account we were told to open savings and checking accounts for us and a checking account for our son and the minimum amount needed to have them for free (no monthly fee). Then we learned that the bank closed our savings account: they charged all the money in 10 monthly increments for monthly service. When we came to complained to our local branch we were told that our local branch does not have the entire history and we should call 800 number; at the 800 number we were told that the history in not available either and we need to see a manager at our local branch. We were also told that our checking account is fine and no monthly fee is required to maintain it. Guess what? today we got a statement with a monthly fee; called 800 # - and heard again: we do not have your history, go to the local branch... which I plan to do tomorrow. Now I am looking to what bank/credit bureau we can switch to get out wells fargo... Wells Fargo's business practices are bait and switch and unscrupulous.

To Whom It May Concern,

Hi I live in Vancouver and I brought my daughter to Provo (starting school) and open an account with Wellss Fargo. I have never had such a lousy bank ever in my life. I open a join account with my daughter and never have I thought that opening an account is so difficult. It took the customer service 1.5 hours just to open an account for us and answer only 5 questions out 10. Wells I can bear with it. I left Provo and came back to Vancouver. I access to the online banking and so far so good. I can put in money for my daughter and she can access it. Yesterday my daughter called me saying that she cannot use the ATM to get money and was told that her account was deactivated. It was devastating as she needs money. She called me and I tried to access through online and could not access. I called Wellss Fargo and try to resolve it. They told off that I do not have an account with Wellss Fargo. I am really up sad. My called was pass on to one customer service to another and it lasted 1 hour and nothing can be resolved. I then called the branch I open the account with and they was trying to investigate what happen to my join account. Wells after a 40 minutes investigation, they found out that my account violates the US government ruling. To cut it short the customer service personnel that help us open the account make a serious mistake. He put me as the primary holder and my daughter as secondary. It is such a stupid mistake that Wellss Fargo made. Wellss Fargo professes to be the best in that area and yet these things can happen. Wellss Fargo did not even contact me that they have sent my money back to me via mail. As my daughter needs money, I have taken a night flight to Utah and gave her the money she needs. Wellss Fargo is such a irresponsible bank and I am so disappointed with Wellss Fargo that put me through hell.
I demand an answer as to why I am not contacted when Wellss Fargo closes my account. Here is some information of my account.
Name of account: Ariel Mun Yi Chan and Hing Kain Chan
ATM number [protected]
If I am not getting a proper answer, I will make sure the whole knows how responsible Wells Fargo’s is.

PISS Off Customer,

Eric Chan
May 12, 2011

I returned my five-year old leased vehicle to the required location which turned out to be an Auction House. I was told just to drop it off, they did not examine it in my presence. Next thing I know I get a $1, 800 bill from the Wells Fargo Auto Leasing -- of which $1, 400 was excessive wear and tear and $400 was their end of lease fee. I requested a copy of the idemized bill and they sent me a bill with over $4, 000 of items -- highlighted for billing were floor MAPS ($80 for 4 mats), TIRES ($640) OIL CHANGE $28 and the list goes on and on. There was ONE legitimate issue as there was a crack in my tail light -- I paid it. They keep HOUNDING me with multiple phone calls a day.

Chevrolet Malibu LT 2004 Purchase in 2007 I requested only 4 yrs finance. After purchae of the auto I toke the auto back to be service and the brake is not workin proper. It was no result in finding a problem. . I remind them of on the brake next day and when the auto was service.
This compaint was reported to BBB on respond from the dealer. Now since I had an accident with all new parts in the fron the auto is working better than ever. I ask the dealer to make an exchange on the next day . He will make an exchang for anew auto . I woud except if the new auto payment is the same . He say the payment will not stay the same . I refuse the offer becaus I was not able to make a large payment because I have to make house payment also. I ask to ake an even trade or just 5000.00 with interest to be credit back to me for this suffering and taking the car to be service and they neglect to repair while under warranty. I need help because I need sime m9ney back from them for this suffering they have cause.
Thanks
Ida McEachern
[protected]

I have been a customer of Wells Fargo for over a couple of years. I make normal deposits, with the normal direct deposit. I have my husband and I on a checking and savings account, my daughter a teen checking account, and our two boys cash cards; all are linked to my account. I went to the store on Saturday (day before Easter) and my card was denied, I kept trying all the others one linked to this account. I checked my balance via my mobile and money was in bank. I called customer service and I was told that all my cards and account were closed. I worried of course and called the fraud department because I am scared of someone hacking into my account. I could not believe what I heard. I spoke with three people in accounts and they were all supervisors and managers. I was told that I had two checks that I deposited (received from other people) that bounced and because this happened, they closed my accounts. After further discussing the issue with the three people, they finally all three said, "your account is closed, the money will not be returned until 10 working days from that day, and Wells Fargo no longer wants you as a customer." I SWEAR, up and down, this is exactly what was told to me. My money is still locked with these people, all the bills that were submitted were kicked back, and I am not allowed to touch my money with them until they have decided that my account transactions have been cleared. OH and of course, my three children did not get to celebrate Easter the way we always do. I will never, ever, use Wells Fargo for anything and I am passing the word of just how crooked they are to my friends, family, and to who ever reads this.

We are seniors (67 & 71yrs) with disabilities. I was compelled to file bankruptcy, which was discharged (12/10). January 12th, Wells Fargo Bank demanded that we pay $1, 680.54, or they will reposses our vehicle. February 3rd, we made arrangements with the Branch Mgr. to make the payment & hadn't heard from Wells Fargo, until State Recovery rang our doorbell on 4/11 at 2:45am. They said Wells Fargo was repossessing our vehicle & were notified of another payment of $1, 437.26 + $350 (repossession fee). We received notice from Wells Fargo on 4/19, stating their intention to auction our vehicle on 4/29. However, we could request an extension & it would now be $2, 410.55, to retain possession of our vehicle. When we requested an extention, they said no! I have been with Wells Fargo for more than ten years. Now, I am dismayed & considering another bank!

Because I do not have a wachovia branch that I can go do, I have to do bank by mail to wells fargo. My roomate goes to online collage and ever 6 months or so she gets sent what is left over of her school loans. She doesn't have a bank acct and cant get one. I told her we will just do bank by mail with wells fargo into my acct. The first 2 times was a dream sent the chesk over night priority mail they got posted to my acct. She just recently recieve another school check she singhed them I put my acct number on them and I also signed them. Sent them priority mail. I had to call wachovia customer service had to explane what was going on they called the bank by mail dept and was told that because my roomate wasn't on my acct they could not deposit them into my acct but back in oct and dec of last yr they deposited checks that were in her name, we put my acct number on teh back and I sighted them and a few days later they had been posted to the acct but this time they refuse. I have never heard of this kind of business practice. I alwasy thought that as long as the person signed them over to you and you put them in your acct it was good to go. All other banks I have banked with do not have this kind of business practive. To say the least neither of us are very pleased at the present time with wells fargo.

We live in NJ. This is our 3rd flood in 4 years, 2 in the same year by a day. This mortgage company is abosoultely ridiculous and really jerks people around when it comes to getting their insurance settlement. People lives have been devistated and it takes easily 4 - 5 weeks before an adjuster gets you their settlement offer. Our adjuster gave us an advance to continue so we can begin working on our home. We had to than send it to Wells Fargo and as of today almost a month and a week later, we still do not have the advance. Since than they were sent the final settlement. They have to have their own inspector come out, than they have to give the report even though the report says 75% complete...they still won't send out hte money because they don't have the contractors paperwork it is absoultely absurb when they know the work has been done. something needs to be done with this company

Wells Fargo Online Bill pay stinks! Accounts transferred this week from Wachovia to Wells Fargo. I scheduled payments to go out on pay day and Wells Fargo takes the money out 3 to 5 days before the date you scheduled. Do they really think people read all the ridiculous paperwork that they send? I couldn't even see their bill pay system until today-yep-too late to reschedule my payments-yep money pulled out too soon- yep overdraft. First Day with Wells Fargo and SUPER DISSATISFIED. Customer Service was no help. Nothing they can do.

I have had my mortgage with Wells Fargo for almost 20 yrs & have a 2 week grace period on contract before late fees are charged. These people call my home all times of day, night, weekends etc to harass me about when I am going to make my payment. They call before my payment is even late. I told them I have a grace period & one person I spoke to said so what. I have never been 30 days late and don't know how to stop them from calling me. What do they think I am going to do - pick up my house and run away. What is their purpose for calling me. Driving me crazy, I am 66 yrs old & taking care of dad who has alzheimers. How can I stop this harrassment.

This company is a joke, I have heard upper level managers stating they looking to cut costs and find ways to fire people. There have been a string of frining of older and talented workers. They say that the conversion to wells is why people are leaving the bank. But they are protecting their culture of deception at the top starting with the Regional President's Assistant Michelle Roy. She bullies employees around and witholds information from the President. The removed the old president but did not remove his assistant who is the problem. The internal auditor Drew cheets on the audits by doing the questions for the bankers to get 100s. The District Mangers approve product pushing and telling the bankers to open accounts for customers. Some customers have 2 or 3 accounts and they push credit cards. They fire the employees and cover up that they authorized it.

The worst bank in America, a total rip off. I forgot to make a payment on my credit card so they called me. I gladly decided to arrange a payment on a specific date. I asked the customer representative at least 5 times about the available balance after I make the payment. She assured me that once I make the payment, the very next I'd be able to use the card again. Guess what? The payment went through last night and today my credit card account has been closed. I called the customer service and the representative said he could only apologize for misinforming me. Not just one but 2 more reps lied to me and fooled me to make a payment and never disclosed the fact that my account would be closed once the payment goes through.
That's not it. They have charged me at least $5000 in fines and charges since I have opened an account with them. Isn't there any law that could teach them a lesson? Does Wells Fargo only serve rich people? Is it not a bank for middle class or middle-lower class?
Shame on you Wells Fargo, I pity your business ethics. How many more people will have to suffer to get this freaking bank closed? So glad they lost the law suit last year for the over draft fees case.
A request to all the readers: Please do not bank with them. Close your Wells Fargo Accounts. Let them go bankrupt, let them suffer too.

Thanks

I accepted auto loan from Wells Fargo Auto Finance in 2006. My loan was for 48 mos and matured 1/2011. I have been late for the entirety of the loan because I over estimated my ability to meet the note ($689 monthly) but I always paid the late fees. The auto was repossessed once and I paid the fees to retain it back. In December of 2010 I spoke with a very nice agent who assisted me in getting the loan caught up. I paid $1400 that night via Western Union and then authorized a bank draft the following week which made me current to that month. According to the agent the remaining balance on my loan was $1823 which included the Jan payment. On Jan 12 I scheduled the final bank draft of $1823 to be taken on 1/24/11 which was the final amount due on the loan. On 1/24 this amount was drafted from my account as scheduled. On 1/6 I received a statement which confirmed the amount as I discussed with the agent. In february I began receiving collection calls stating I owed a balance for late fees in the amount of $1824. I then began to explain that the amount was the payment taken in Jan. The agent stated that that amount was for the principal balance due and not the late fees. I disputed that for several weeks. In March the same collection calls kept coming and I continued to express my point regarding the payments made and the agent information provided to me along with the statement/letters sent confirming the payments. Nothing helped and the agents began to get nasty with their conversation. On April 9th I again had another debate with Wells Fargo collection agent regarding my auto loan. This time a Supervisor explained that I owed $1791 for Interest that had accrued on my loan during the times I was late. I argued that this cannot be because I was told that the final amount due was $1823 in December and that I paid that amount in Jan as agreed. The Agent then stated that $1200 of that was for late fees and the other was applied to my 48th payment. I then asked how could Interest accrue when the loan was paid in full in the month it matured? I was informed that I had a "simple interest" auto loan and for every day I was late interest was accruing outside of the late fees that were being charged. I was told if I did not pay the $1791 by 4/12 the vehicle would be repossessed. On 4/11 I again called trying to reach an agreement but to no avail so I paid the $1791 via Western Union. The very next day I got collection calls again now saying that the $1791 was not a payoff but I still owe $91 and the vehicle is subject to repossession if I don't pay it immediately. I argued against it stating once again I paid what you guys said was due but to no avail.
I am lost at what to do but I know that this is not fair lending practices and that what they are doing is because they know lower income individuals dont know the law regarding lending and tha fighting them for their unethical/illegal behavior is seriously hard. Something needs to be done about this!

I was a long time member of this for many years and have seen the name change a few times... I heard of comments when it were the other names and start seeing what ppl were complaining about...Along with the other crazy charges they trough in and have raise through the years, the banking service has went SOUR. I haven't had problems with the tellers, it more the service (policies) that I found out that other banks don't have that has push me over the edge with WellsfargoWachovia. Many don't make since to have in place and how they explain it is that this is how they operate. Well putting a check in another person's checking account has to done before 2;00, OK, but you can't put it in cash unless that person is present. Mind you, they put the hold on the amount out of your account but the person has to wait the next day to get the funds. Well they did say they can only do direct cash to check if the person is present but I personally think that that if they were there it would be called cashing and not asking the bank to deposit the check in their account as a cash. I could see holding it from another bank but these are you own customers with accounts. Well I have a much better bank, one that's for PEOPLE and is allot relaxed with charges, in fact if I have to use another banks ATM for a withdrawal they refund the charges the bank throws on(Wellsfargo $3.00 and all other banks)..WOW

Due to a lengthy illness, I was not able to meet my loan payment entirely in March 2011. I have held a loan with Wells Fargo Auto Finance for six years. This was the first time I had fallen a little behind. I called and made arrangements to pay the interest and the late payment fee within an agreed time frame. Now here's the kicker: from the day that the payment had been missed until well after the day I had made the payment, I received phone call after phone call on daily basis, with multiple calls per day. Now here is where I lost it! They called me on Saturday mornings and Sunday mornings, during times when they say they are not available for customer service calls. The agents calling were rude, obnoxious and threatened to repossess my car, even though I had paid the agreed amount! I reported this bad business practise to the Better Business Bureau and Consumer Protection agency. I would encourage all who have experienced similar harassing phone calls from a financing company to do the same.