Wells Fargo
reviews and complaints

Thieves in our communities.
Do not work for Wells Fargo. You are terminated when you receive during customer telephone survey questions 4 - Excellent and 1- Good at each survey.
Customers are wondering why there are always new employees, existing staff is scared.
You will not be told the questions asked, just the result.
You will be terminated on the last day of the month so they do not have to pay health insurance, severance pay etc.
Because you were terminated it is difficult to find an other job.

it started off as wachovia then wells fargo bought them out now what i can't figure out is why and i mean why would it cost more to pay it off then doing monthly payments. example would be if joe had 3500 left in payments til he gets the title however he's thinking why not pay it off. researching he finds out that the 3500 he has in payments is going to cost say 3600. who in the write mind does this why should it cost more to pay off a vehicle when it should be much less

My insurance company (Progressive) said I could go anywhere I wanted to have my car repaired and wrote the check to me and Wells Fargo. I arranged to have the car repaired. When the car was done, I sent it to Wells Fargo (endorsed, as requested) with a copy of the quote, the invoice and a letter of satisfaction. I waited until the car was done to send the letter because I didn't want to send a letter saying I was satisfied until I saw the repair. Wells Fargo deposited the check a week ago.

Then, Wells Fargo said they wanted a letter signed by my mother - the co-signer. Then, the repair guy had to send a different invoice because he gave them his address verbally over the phone and it didn't match my letter. Then, they decided it was fraud because my letter and his didn't match and they don't pay labor to individuals so he had to send a third invoice along with a copy of the business license.

I told her the car was repaired - did she want pictures? Or perhaps a letter signed by my dad or a grandparent? When I asked if this was all that was going to be needed - yes or no, so I can get my car back, the CSR told me that she "told me what I needed and if I kept this up, the repair guy was going to have to send the receipts too... " When I asked if she could give me a yes or no answer she hung up on me. When I called back, her supervisor said the same thing. I have called the repair shop again. I have sent another letter again. I have no confidence that they will ever release the check or that I could get my car back ever. I have never been so unhappy with a lendor in my life. They have no customer service skills - they change the requirements from day to day and then, when you struggle to comply, they accuse you of insurance fraud. I will never finance another thing through Wells Fargo and I will tell everyone I know that they are the worst excuse for a company I have ever seen. This is exactly why everyone should pay cash for everything. If they needed customers worse than we need them, we might get some service or respect. I am paying them good money for the "privilege" of a loan through them. I don't need this kind of "privilege".

I think they create these delaying tactics so they can earn the interest on the funds. If my money and yours are combined, I bet they make millions on this over the course of a year. And the sad thing is, it's legal. They are entitled to make their own ridiculous requirements because they are the "lienholder". I will never again let anyone have this kind of power over me again.

I am in the process of refinancing a mortgage I have with Wells Fargo with another bank. In order to do this, I need a payoff letter from Wells Fargo, showing the proper amount of principal and interest due them in order to close on the new loan.

I found out last week that Wells Fargo mis-applied a mortgage payment I made for the previous month showing that I owe them thousands of dollars more than I actually do.

As soon as I became aware of their error, I called customer "service". After 3 hours of speaking with a half dozen different people, I finally found my way to one of their senior supervisors who told me to fax over the cancelled check to a specific fax number.

When I called the next day to make sure it had been received, I was told that the dept. whose fax number I was given was not the right dept. and to fax it over to a different number. I did this immediately. since then I have been trying to resolve this to no avail. I was PROMISED i would have a new payoff letter this morning, then again by noon. Time has run out to get the new mortgage documents in time for closing. When it came down to the wire, the latest batch of supervisors I've spoken to claim they are powerless to do anything except "wait until the system updates" to get a payoff letter that shows the proper amount due to them.

I have a couple of choices. I can delay the closing. If I do this I will have to resubmit my financial documents and start with the approval process again. Or, I can go ahead and close with the higher payoff amount, have to pay Wells Fargo several thousand dollars more than I owe them (out of my pocket in addition to closing costs) and wait an unspecified amount of time to get back my money. Either way I lose.

How is it that banks can get away with this?

I began our loan modification process with Wachovia back in Oct. 2009 and to date we still haven't been able to finalize it. I find it absolutely stomach churning that every single god given financial documentation was provided to them (within 24 to 48 hours after Wachovia's request), and they still managed to delay the review process by claiming that the fax was never rec'd, the date was missing, the name was misspelt, Snoopy ate the mailbox, and Garfield, the cat, jumped on the stack of papers and his lice/fleas ate the documents!...seriously, my 5 year old son has better (and thankfully less) excuses then the Reps at Wachovia.

Well, I don't know about you guys, but quite frankly, I've had enough. Wachovia shouldn't have accepted the bailout money from the gov't (which is really our hard earned tax dollars) if they had no intentions on bailing out anyone other than themselves! I've sued Wachovia in the past (before they acquired World Savings Bank) for extending a prepayment penalty fee and I had the entire matter resolved within 1 week...and mind you, I am not an attorney, never went to law school, and I sued completely on my own. Now, that being said, I took some of my own steps yet again for the 2nd time in hopes of getting what I was promised when we initially went through the phone interview: (1) 2% fixed interest rate; (2) lower monthly payment that included my escrows; (3) keeping my home (especially since we put 20% down payment on the purchase price back in 2005). I am keeping my fingers crossed that I will succeed for the 2nd time but it's never a guarantee!

I think that if we all ban together (picture the Boston Tea Party) and everyone writes or files a complaint to the addresses listed below, then they will have no other choice but to listen and comply. My filed complaint alone is completely useless unless it's backed up by everyone else who is experiencing the same difficulties. Below you will find the steps in filing a lawsuit and complaint in your own County, but please keep in mind that all we can do is try our best and hope it'll work:

1. gather all docs and any fax/mail/email/fed ex confirmations sent to Wachovia;
2. organize in accordance to date, all phone calls made to Wachovia, whom you spoke with, and the topic covered during that conversation;
3. go to your County's website or google "how to file a complaint in _____ County". Once at the website, you can download the forms you need to complete in order to file a lawsuit. Be watchful of the Complaint you submit to Court, because there may be 2 different lawsuit forms: (1) small claims (typically used if you are suing for less than $6, 000); and (2) civil complaint.
4. If you do not have access to the web or your county does not provide this online, you can visit your county clerk and ask for the forms directly.
5. in addition to filing your own lawsuit, file a complaint online with the Department of Banking and Insurance and also with Thrift Supervisory.
6. Lastly, once you have a copy of your filed lawsuit at hand, along with all the other online complaints you filed, feel free to drop a few lines to the following people at Wachovia:

Wachovia Corporation
Legal Division
NC0630
One Wachovia Center
301 South College Street
Charlotte, NC 28288
[protected]

Board of Directors
Wells Fargo & Company
P.O. Box 63750
San Francisco, CA 94163
email: [protected]@wellsfargo.com

Wells Fargo & Company
2711 Centerville Road
Suite 400
Wilmington, Delaware
Attn: Mr. Mark C. Oman

Good luck to all and if you have any questions feel free to drop me a line at [protected]@hotmail.com. Just remember, I am a regular schmoe like everyone else, sharing my experience that worked for me back in 2008 and hopefully again in 2010! Therefore, I can not give any legal advice, since I am not an attorney and hold no office in that capacity either.

I used Wells Fargo Auto Finance to Lease a car. Before I returned the vehicle I took pictures of the car. Wells Fargo proceeded to charge me for Excess Wear and Tear of the back bumper. I took pictures of the bumper and showed that there was no damage. Wells Fargo representatives threatened to ruin my credit several times if I did not pay the excess wear and tear damage that I disputed with evidence pictures. They said their pictures show damage and refused to let me speak to a manager. I asked to see the pictures that showed the damage they refused to show me pictures of the damage and said the pictures are proprietary. I spoke with Anthony Mason, and another representative that continously threatened to ruin my credit and felt forced to pay for damages that I disagreed with.

2006 I warn the dept of bank the attorney generals office of NY State.
The way this crooked mortgage broker and banks were doing business.
no one took me for my word at the time after years of my own investigation humiliation and stress justice is slow but i still have faith
in it. I Dare wells Fargo to foreclose on my home and I am happy to say.
they can't. to any one who is a victim of mortgage fraud. check the
court records you will be suprice how many thieft work for banks
and re wrote and change the terms of many mortgage today on
foreclosure action today.I will be more than happy to help you
and for free.

Wells Fargo Auto Services, formally Wachovia Dealer Services, does not know how to help their account holders and treat them with respect. I have a car loan originally through Wachovia Dealer Services and has now been taken over by Wells Fargo. They are the same employees. I have had my auto loan with them for nearly three years and had a few rough years. I have since paid on or before my due date each and every month for over a year. I however had to file an extension last January due to a death in the family. They did grant that and then I fell behind in February as a carry over from the funeral.

Since March of 2009 I have paid on or before my due date each and every month with a money transfer. The Customer service representative stated that I would not be considered late as long as I did this. I am concerned about my credit and that is what they said would not be affected. I need to check that! In the meantime I have paid the late fee each month as my car payment is one month behind. They also stated that since I just had an extension in January that I would not be eligible for one year! So I paid every month as I stated I would, never missing a payment. A full year has transpired and they will not give me an extension. I stated that I followed everything they wanted, but they said it was their right to refuse! I will give them that! I told them that as of April, I was unemployed. They stated that I would have to be employed to get an extension! WTF! I am self employed then! That won't work! Just pay the the past due month! At least now, even with out a job, I will get the past due month paid! I am sure they will be happy.

During all of this time they have called numerous times every month to collect on the car. They called at home, at work, and now even on my cell phone. i told them I never gave them my cell phone number and that they had no right to call me on it! They said as long as I was past due, they have every right to call on that number! You might think that it would just be easy to pay for the past due month, and that is how they rudely treat me. I had bad credit, so they jacked up my interest rate, but I was okay as I got the car I wanted. I still feel that way. Treat me with respect and work with me, not against me as they do! My car payment is over $750 a month, no small change, so be respectful when talking with me!

The easiest fix will be to completely get caught up, which will happen this month, and shut those bozos up! This is kind of a rant, but you can see how they will not help even after I kept up my end of the bargain each month. Wachovia fell on hard times because they were stupid and Wells Fargo will do the exact same! Especially if they continue to treat their Customers this way!

I feel better letting this out and especially since I will be caught up this month!

Sincerely,
David

I agree with everyone else that has had a complaint with Wells Fargo's overdraft fees, I am so fed up with every transaction I make, does not matter when I make it, and if it is pending, before they clear my account, Wells Fargo puts them from greatest amount to least amount .so that if the greatest amount comes in last it will be first in order.and then all the small transactions will reap a fee of $35.00 for being overdrawn on that given day.I have complained to them over and over again, and all they can say is it is for my own good that they do that, and that it is a benefit for me.hmmmmmmmm, they are screwing me over by doing that.they dont have my account handled in the best interest of me.they do it their way regardless how it hurts the customer.we are on unemployment and after they hit my account with 8 overdraft fees because they put the large transaction in first after it came in days and last minute of all the small pending transaction s and left me paying out my entire weekly check from unemployment to cover the overdraft fees.after complaining they stated they had the right to do that and that the fees were applied correctly.I have decided after 18 years of banking with them that I will be taking my accounts to Chase and that seems to be a Bank that will be exactly what I am looking for and all my friends and family that banked with Wells Fargo have also gone to chase, now I know why...Wells Fargo is a bad bank and should be closed.maybe Chase will buy it and turn it into a great bank with their name...do not bank with wells fargo, they will steal your income and will not care if your on the streets because of it...

If you have a complaint regarding Wells Fargo and Bank of America deceitful tactics about handling
your home loan modification you may post your complaint to The Office of Comptroller of Currency at
http://www.occ.treas.gov/customer.htm. There is a complaint form that you can fill out and submit immediately.
If you feel overwhelmed and tricked you are not alone.

http://www.occ.treas.gov

Anyone out there interested in joining with me on a class action suit against Wells Fargo? Have you had a similar experience? Please email me at [protected]@gmail.com.

My husband and I had a mortgage with Wachovia. In fact we had more than one mortgage with Wachovia and we also bank with Wachovia and have had a very pleasant experience since they first took over my husband's First Union account more than 8 years ago.

Then Wells Fargo bought Wachovia and two of our mortgages got transferred to Wells Fargo. Last year we ran into some financial problems which I won't go into here but we called Wachovia and they offered us a 2-month forbearance on the one mortgage they still held, which we accepted, and have since resumed payment on and everything is ok. They suggested we call Wells Fargo about one of the mortgages that was, at the time, one to two months behind, depending on the time of the month. :)

We called in November, were told they did not have a forbearance program (though it was mandated for this to be offered by all banks) but that we did not qualify for a modification which was the only program they had. I hung up pretty upset because they had been rude and condescending and not at all pleasant.

In December I tried to make a payment on the Wells Fargo mortgage and we had been blocked from making a payment online. So I called their customer service number. After speaking with a very pleasant helpful rep who suggested we apply for a modification and telling her about my previous experience with Wells Fargo she suggested we try it again with her. We were on the phone for over 45 minutes, she took me through our financial info and then told me we in fact qualified for a modification and proceded to tell me the terms of the modification. One payment had to be made by a date in January, a contract would be mailed to us which had to be signed and notarized immediately and sent back, and we would not pay instalments until June 2010, at which time our monthly payment would increase by approximately $24. I agreed, she outlined and recorded my agreement and I rejoiced!

Hah! No contract ever came and when I started calling Wells Fargo I got a different answer each time I called. They were waiting on documents from us, the contract had been sent, they would send a new one, our file was under review, etc. They danced me around for several more weeks. I finally spoke to a young lady who took my "one more payment" over the phone and gave me a list of documents to fax in.

Then, it was, one thing and another and more time passed.

One day when I called I was told that my husband and I had applied for a short sale on the property and the file had been transferred to the short sale department. THAT WAS NOT TRUE.

I had to go through a series of phone calls to their short sale department, requesting the file be sent back to loss mitigation, then wait a couple days, then call in again and formerly request the modification all over again, have that reinstated, then fax in the documents all over again.

Finally in April 2010, I got a phone call from Wells Fargo saying they needed additional documents. They wanted those documents by 1:45 pm the next day. I asked for more time since that deadline was unrealistic. They gave us until the following Tuesday at COB. I got them everything they asked for by the Friday BEFORE the Tuesday deadline. I was told everything was ok and the file is under review.

The next day, Saturday, my husband and I were served with foreclosure documents by a process server, who delivered the paperwork to my house and gave them to my son.

Each day I called in for the next two weeks, they asked for a new document. At one point they wanted me to include my son on the documents and I refused because I found out that they had reported us as being late and in foreclosure to the credit bureaus, totally messing us up with everyone else, in spite of the fact that we were supposed to have had the modification in place and we were supplying them with every document they asked us for.

They danced me around and stringed me along for almost three weeks, they stopped taking my phone calls, just around the time when my 20 days to file a response to the foreclosure paperwork were about due.

I have had one returned phone call from them since telling me I am only allowed to call once a week to check the status and that our file is still under review.

I have read literally hundreds of other and very similar stories on this and other websites.

My pastor recently told me that he had read an article which said that they had insured all their mortgage loans when they were being packaged as an investment and in fact the more loans that go "bad" or into foreclosure, the more insurance money Wells Fargo will collect. Plus they will still own the foreclosed property and can sell for additional profit.

So I don't think Wells Fargo is trying to save our properties. Seems like they are pushing some of us into foreclosure.

When this all started we were one to two months behind and trying to catch up with all of our other debts. Now we have caught up with most of our other debts or made arrangements with them but we are now several months behind in this particular mortgage. Which never would have happened if they had not told us we had been approved and NOT TO PAY until June.

Please let's get together and stop the lying and stealing of properties all for profit.

Who wants to go into a class action against wells fargo auto finance?

They cannot change the original contract without both parties initials - signatures (stated in the contract and has to be signed upon execution of the contract and before driving vehicle of the lot)

Law firms or victims email: [protected]@gmail.com

I have a lot of other people and all the paper proof— rulebook printout, letters, and the admission that they changed the contract. My goal is to exit my lease and recover damages after I send in last year for lease assumption and they denied! One day after they changed the contract rules & terms without notifying me

I also have employees at the bank that know about this... And got fired when they just closed the department

Plus a lot of victims stuck in 5 year leases that cannot be posted an swap a lease.com or anywhere to exit.

Is there anyone else that wants to stop them doing whatever they want to the consumers ?

Wells fargo advertised their leases to be fully assumable and then in midstream after leases are in effect decided to change their lease contract. Without prior notice
I would like to join or start a class action lawsuit against wells fargo auto finance
I have all the lease rule book print outs and original documentation from wells fargo. The original lease contract states : clearly " it cannot be changed without both parties agreement in writing. " I did not get asked and neither did any of the other people I know. Some had to get their cars repossessed and some are stuck in a 63 - 66 month term.
They know they did something wrong and will settle. I would have chosen another bank if I would have known they are going to pull the fully assumable option.
Who wants to join?
Any lawyer ready to take case ? I have a lot of recovery info ready.
I would like my money back and have them take the car because they broke the contact!
I have done a lot of research and this is absolutely against the law. If I would just change the payment without notifying them it would not be acceptable either - terms are terms

[protected]@gmail.com—

I tried to call Wells Fargo Auto Finance today in hopes to come to some kind of agreement to get my payments current. When I was routed to another representative, the not so gentlemen like man, rudely claimed I had no business taking care of this matter (even though my name is on the account to take care of this matter). When I insisted on speaking to his supervisor he then continued on about how he was going to remove my name from the account (which I'm sure he can't do with out authorization of the account owner, which is my husband who put my name on the account in the first place). He finally just got so obnoxious that I hung up and called the number back to speak to someone else. Finally, after getting hung up on twice, I finally got to speak to a young lady named Jessica. She was very friendly and very helpful. She actually listened to me and then made suggestions that could help us get caught back up. Instead of acting as if these people have never owed money before in their life, Jessica spoke to me as a human being should and was very respectful.

In May of 2009, I applied for a Mortgage Loan Modification with Wells Fargo, while I was off work on disability. I was told that I was eligible and was granted a temporary loan modification, which lowered my payment by $1000. per month. I made every payment and called Wells Fargo, every month to get a status update on the modification. In January 2010, I received a letter of "special forbearance" with a payment greater than my original loan payment and when I inquired about it, I was told that they based the payment on my income, and they showed that I had an additional $5000. of income monthly! I have one job and my net pay does not equal $5000. monthly. I was then told I had to resubmit a full packet of information including a budget worksheet, bank statements, pay stubs, my disability letter from my job and the doctor's note returning me to work. After submitting all requested information, in March I was asked to submit the exact same information, and I did, on March 19. The next week I received a letter dated March 22, stating that because I had missed a payment in August 2009, my request for modification was denied. I called them on it and provided all of my payment receipts showing there was no missed payment. Then I was told I was in violation of the "special forbearance". I never agreed to it, so how could I be in violation? I was told to resubmit my packet, but foreclosure is inevitable because I am now over $30, 000. delinquent, the remainder of my monthly unpaid payment is still accruing finance, interest and late charges. I was not given this information when the temporary payment arrangements were made, and it is not my fault that a year has passed and I still have no loan modification.

No one that I know, has received a loan modification from Wells Fargo, not even when they worked with attorneys. I really regret getting a loan with this bank.