Wells Fargo
reviews and complaints

I take it you have bad credit!

Cesar Lopez
Loan Number: ********32
Chicago IL 60651

February 9, 2010
Wachovia Mortgage
Att: Mark C. Oman
420 Montgomery Street
San Francisco, California 94104

CC: Mark C. Oman – Fax [protected]
LMO - Fax: [protected]
Customer Support Department - Fax [protected]
Loss Mitigation Mortgage Assistance Plan - Fax [protected]

Dear Mark C. Oman:

I have been doing business with your institution for the last 4 years. During this time, I have shown to be a reliable customer and I have paid my bills promptly.

Four (4) months ago I was in need of help so, I asked for it. I had gotten sick, my wife lost her job, plus some of my clients have closed their doors. After reviewing these issues, I hoped to get some type of better financing to lower my monthly mortgage payment.

In November 2nd 2009 I called and talked to Gabriel Puente who indicated to me that I had to wait 30 days to be past due before Wachovia could do something for me. After this time, I was required to ask for the “Mortgage Assistance Program” as the “Home Modification Program” did not apply to my case. After talking to this department - LMO I was asked to send all my documentation – taxes, bank statements… etc. I did this.

December 16th 2009, I called back and as it turned out, my application/request had “timed out?” and I was told to resubmit all documentation with updated bank statements again –so, I did. I was told that after my modification I was required to restart payments January 1st – I was ready to restart these payments!

All alone, I had also specifically asked if this was going to have any negative impact on my credit report. I am Self-Employed and negative reports against my credit are very damaging so I wanted to make sure this was not the case. I was told/assured that nothing was being reported as I was going thru this process. I was also told I did not have to make payments until the new figures were calculated.

Jan 8th 2010: I called again and I was told that due to your overload it was taken longer but you have all my documentation and it was on track.
Jan 12th 2010: I called again and I was given new payment figures for monthly amounts starting March 1st. Once again I was told to resubmit all my documentation. Again -I did and even more, I FedEx a full package with updated information.

At the end of this week I received a call … I was told that I was not approved for the Loan Modification and that a letter indicating the reason will follow.

Wachovia has my vote of “No Confidence” now. I have since this time, brought my account up to date, to avoid any bad credit report entries.
Your follow up letter indicated my Loan Modification was denied due to information in my credit report.

I have asked for a copy of my Credit Report and found: the only bad entries here are reported by Wachovia.

This is very frustrating! I have asked for help and instead I find myself in a worst place.
I would like you to take back your negative reports from all credit report Bureaus and restore my good credit. I was at all times ready to make a payment but I was told otherwise.

I still have no reason for Wachovia to have denied me some type of help. At this point all I ask is to take back your negative reports. I want to say more but instead I just hold my peace.

Sincerely,

Cesar Lopez
773 908-****

Wells Fargo harrasses me and my boy friend...with computer calls home than work than cell all day long...they make me sick! They are rude and even though i paid on friday they computer called me all day sat...when I talked to real person..i told them i paid, , , STOP harassing me! She asked "why were you late MS?" I said"STOP Harassing me! I am reporting you"! Hate them!

I think I have had a similar experience to yours and I believe it is the same person handling things. At this point I am asking for my appraisal money back also. It is a long story, but I got the distinct impression they had no intention of refinancing our home because it would not have benefited them. They sent out a kid named Shawn to apprase our home and he appraised it at 45, 000 less then it had appraised for less than two years before and that apprasial was done by Wachovia who was bought out by Wells Fargo. This appraisal was so low I laughed when he told me. The first apprasial was done before we had our entire kitchen redone. The new appraisal was 45, 000 less after we build a new 35, 000 kitchen and the depreciation rate in our area was 1.4% for homes. Obviously, the apprasial is lowballed to favor Wells Fargo not making the loan, but they do get their money to the tune of 385.00 for the apprasial. This is all nonsense. We have never been late on their payments and our credit score is in the 700 range. The new mortgage was to be in my husband's name and they still insisted on including as part of his debt an individual account in my name only. It was listed on his credit report only because I allowed him access by providing him with a credit card. At this point I consider Wells Fargo to be crooks and I regret that they hold our current mortgage. I am now pursuing getting my money back. I have been offered the "dispute" process and I am suppose to receive paperwork, but as your experience shows, they have no intention of following through and you know that any new appraisal will still be lowballed.

Wells Fargo in San Diego consolidated CD's and opened checking/savings accounts, without permission.

I also had a very bad experience with the Wells Fargo Auto Loan Department. I was treated very rudely by one of their representatives as well as the shift manager. It all started when I called in to speak to one of their representatives because I was concerned that my payment might be a bit late due to having to leave my primary job for medical reasons and also it was in early December "Holiday Season". The first lady I spoke with was very nice and informed me that they had a payment deferral program where you were allowed to defer payments, two at a time, for a total of five during the life of the loan. She told me not to worry because I had a ten day grace period after the payment was due and if I wanted to initiate a payment deferral to call back the day after my payment was due. So this is what I did. I called back o0n the 15th of the month, my payment is due on the 14th of the month, and asked for a two month payment deferral and they took my information and said I was all set. Well on the 29th of December, it is now two weeks past my due date, i received a letter saying my request for deferral had been denied. Now I am freaking out because the payment is way past due and since it was now the New Years Eve weekend I could not get anyone on the phone until Jan, 3rd, 08. On the 3rd I spoke with another gentleman who set up a payment schedule for me in two payments, to catch up on my December payment and he assured me this would keep my payment from going 30 days past due. He chose the dates, I did not. Well around the 18th of Jan., after the first half of the payment had gone through, I kept getting repeated phone calls from Wels Fargo and I finally spoke to a rep who proceeded to tell me my payment was 30 days past due and was being reported to the credit agency. He kept badgering me saying that I must not have any common sense to chose the dates that were chosed for my payments because I should have known this would make my payment 30 days overdue. I assured him I did not chose the dates, that one of their representatives chose the dates and he kept on saying that's not possible and on and on. Well needless to say I got very upset and I was crying. So I asked to speak to a supervisor. The supervisor that got on the phone was just as rude and accused me of using the "F" word, which I did not. I asked him to send me a complete statement of the status of my account and hung up. To this day, it's now Feb,19, 2008, I still have not received anything from them. I just recently wrote a letter to the corporate offices, telling them exactly what I have written here and have not heard anything back. I will never use Wells Fargo again and I would recommend anyone reading this that you do not either. They truly do not care much about their customers.

IN OCT 08 I NEEDED ANOTHER VEHICLE SO I DECIDED TO CONSOLIDATE 2 LOANS I TRADED MY OLD TRUCK IN. THE DEALER SHIP GAVE ME 3400 .00 ON MY TRADE IN . SO WHEN I T CAME TO DO THE PAPERWORK WELLS FARTO PAID OFF THE DEALERSHIP FOR THE JEEP. MY NEW PAYMENT WAS 448.OO OK FINE. EVERYTHING WAS FINE TILL I GOT A CALL AT WORK 2 WEEKS LATER IT WAS MY FORMER LENDER WONDERING WHERE MY PAYMENT WAS FOR OCT OF O8 ? WELL IT TURNS OUT THAT WELLS FARTO SHORTED THEM 3400.00! SO I STARTED ASKING QUESTIONS THEY BLAMED ME AND THE DEALERSHIP FOR GIVING THEM THE WRONG NUMBERS. ACCORDING TO WELLS FARTO THE DEALERSHIP WAS SUPPOSED TO PAY OFF MY OLD TRUCK SO THEY COULD GET THE TITLE BACK . WELL TO MAKE A LONG STORY SHORT MY CREDIT WENT TO HELL CAUSE OF THESE PEOPLE AND MY NEW PAYMENT IS 535.00 DUE ON THE 21RST OF EACH MONTH WITH A TEN DAY GRACE PERIOD PHONE HARRASSENT STARTED ON DEC 24 08

i got the same thing going on... they threaten to garnish anything i got and court to get their money...they don't stand by their agreement as far as a payment plans they set up for you...they are very mean to work with..Government bails them out but not the people

Although it's such a shame how many people got cheated by wells fargo it's comforting to me knowing I'm not alone in being stiff by wells fargo and maybe with all the complaints something justifyable can done about it. To make a long story short I purchased a car in 2004 a 2004 cavalier the dealer charged me 20, 000 for it not knowing it was 5, 000 above book value. I traded the cavalier in two years later because the car was giving me trouble for a 2006 aveo. I had to go back to the dealer I oringinally went to because no other dealer would take the car because of the negative equity, but they sure did and wells fargo financed me charging me a higher interest rate and im paying for two cars although i only have one. I feel double ripped off by wells fargo and by the dealer because I feel they prey on people who don, t know any better and ultimately put us in a bind where we are screwed and have limited options that we have to deal with unfairly because of there conniving ways. I wish i could go back and erase my mistake of signing my name on that contract but I can't. But I feel laws should be changed on how dealerships and banks do business with customers cause it's not right to take advantage of someone because you can get away with it. But maybe that's why the banks and dealers are in the condition their in now because of dishonesty, so i quess they are getting their payback but it's ashame how many people they have cheated and damaged. And they do have the nerve to harrass you if your payment late and they begging for help financially themselves.

Here is the direct numbers for the people in charge . keep notes of time day, and what they discussed. They will try to play you, don't take it. Look at the Fair credit reporting act, to see what they can and cannot do. You will see they do alot of things hey shouldn't and legally cant. report them!

will coakley VP Collections
[protected]
e-mail. willcoakley@wellsfargo.com

Alex Alverez
direct number [protected]

e-mail alexalverez@wellsfargo.com

if this doesnt resolve your issue ( it won't, they are VP's cause they are better liars) report them to

If your complaint is with a national bank (has the word “national” in its name or the letters “N.A.” after the name), please contact:

Customer Assistance Group

Comptroller of the Currency

1301 McKinney Street, Suite 3710

Houston, TX 77010

Telephone: [protected]

E-mail: Customer.Assistance@occ.treas.gov

Internet: www.occ.treas.gov

I will never use this company or any of its affiliates again. I receieve three calls daily even though I have never gone over the ten day grace period. I am filing a harassment complaint with the state attorney general where I live. A gentleman who shall remain annonomous at the company told me" we don't have a 10 day grace period." I could not beleive my ears. I have never delt with such a horrible company in rudeness, and scamming practices

Get a lawyer!
i have been getting the run around with this loan modification. i found that Wells Fargo does not even have the authority in Florida to collect for the lender! My Attorney demanded prof that Wells Fargo actual could legally collect for the investor, so far they can not! They skipped all of Florida's mortgage laws during the closing a few years ago, and there for can not collect. In fact there are witnesses on the closing papers that were not at the closing. No rotary signature, no stamp, nothing!

GET AN ATTORNEY FAST!

mine problem with them wasn't as horrible but still bad. we were trying to get a home equity loan and after several months they called and said the system accidentally canceled our request and we would have to do it all again but now that the new law took effect that you can't pay your own escrow and insurance our "new" monthly payment was going to go up $350/more a month. i asked them to reinstate the request and back date it since it was their error and they couldn't do it. i told them forget it then...not worth it.

I have had the same issue with Wells Fargo. In January of 2009, my husband told that he was going to be laid off for a few weeks - and until then, we had never been late on one payment. We called WF and asked if there was anything they could do to help get us thru those couple of months, and we were told that based on our situation, we would qualify for a 3-6 month modification. We faxed all the info THAT day, and then the nightmare began. What was supossed to be a 2-3 week process turned into 13 months. In the beginning, we actually begged to make a payment, but were told not to because our file was "under review". We called almost every day, and sometimes 2-3 times a day, and we would get a different answer from every "representative" that answered the phone. To my complete shock and horror we were served papers by a Sheriff - that our house was going into foreclosure. Mind you, when we got the notice saying that our house was going into foreclosure, I called that instant, and was told to disregard that, since we were working so closely with them. That is why when a Sheriff's car was in our driveway I did not understand what was going on. In July, we were put on a forebearance plan - 3 months of regular payments ($1, 200) and then we were asked to make a $15, 000 payment! Really? They knew our monthly income, especially since I had faxed them our paystubs 8 times by then - how in the world could anyone afford a payment like that? Of course, the representative that I talked to said that they knew people could not normally make that final payment, but if we made the 3 months of regular payments that it would look good for us and that it would lead to a permanent modification. That "reiview" would really only take a couple of weeks since our file was in the "final stages". So now, 5 months later, and WF still hasn't come up with any solution. HOW IS IT THAT A HOMEOWNER IS BEGGING TO MAKE THEIR PAYMENTS AND WELLS FARGO IS GETTING AWAY WITH THIS! OUR CREDIT IS RUINED, I HAVE HAD A NERVOUS BREAKDOWN, AND ALL WE DID WAS EXACTLY WHAT WELLS FARGO TOLD US TO DO!
WELLS FARGO NEEDS TO BE HELD RESPONSIBLE FOR THIS UNETHICAL AND CRIMINAL BEHAVIOR!
Please someone tell me what we can do to try and make them responsible for these horrible situations they are putting homeowners through!
We are a family with 5 children, my husband is extremely hard working and we pay our bills, pay taxes, and made one phone call to see if we could be helped by wells fargo - and they have literally put us through hell!

I am very un-trusting of Wells Fargo's Predatory and Discriminatory Lending Practices. They have led me to believe for over a year that they were willing to work with me to do a loan modification. As of to-date the company has provided no assistance in helping me to keep my property. Then I found out that because it’s a rental/commercial/investment property that’s why the process has failed me. I cannot afford an attorney to represent me in this unfair matter, but I believe that this company is trying to dump this asset off their books. I have listed a call log of my conversations with the office and on 3 occasions they added up my finances incorrectly making me appear to have a significant deficit. This I am sure caused my account to be placed aside while they still pursued foreclosure action. Even though I told them of their error that did not make a difference that bank just does not care.

CALL LOG

September 2008 we were declared a federal disaster area and were told I may be eligible for a monatorium. I contacted Wells Fargo and advised them if they can look into this. Also I received a shortfall which I paid in order to keep my monthly payments low.

December 18th, 2008 after many phone calls I submitted to the loss mitigation department documents requesting a rate reduction. Included in the documents was a copy of a pay stub, monthly financial income/expense sheet.

January 8th, 2009 I re-faxed for the 2nd time the documents because I was told that they needed both signatures.

January 21st, 2009 I received a letter from the office stating that “thank you for contacting us regarding your temporary financial hardship. We are concerned and we will assist in this difficult period”. Then the letter proceeded to ask me for $11, 225.62 by 03/21/09. I contacted the office and advised them that how can I possible pay over $11, 000 when I sent you a hardship letter.

April 2nd, 2009 I re-faxed for the 3rd time the same documents because wells Fargo had calculated the financials incorrectly and now the documents are out of date and will have to be re-submitted.

April 19th, 2009 They sent me another letter telling me that unless payment is not brought current by May 19, 2009 they will accelerate my mortgage note and start foreclosure proceedings.

April 20th, 2009 I received a statement telling me that they are starting foreclosure proceedings, eventhough the day before I had till May 19, 2009.

Also since January 2009 I have been making every payment monthly to date and no one seems to see that.

April 27th, 2009 I called they office and spoke to an employee who was very rude I had to call back and speak to someone else.

April 28th, 2009 After calling your office every other week I received a letter dated 04/28/09 stating that my request was denied because your office called me and I did not respond….I have no idea who attempted to call me but I have a answering machine and received no messages.

April 29th, 2009 I receive a letter stating that “Wells Fargo’s goals is to give every opportunity to retain your home and Based on our telephone conversation and the financial information you provided”…… (didn’t you say I have not responded to you!) Well, the letter goes on to say, “ we are considering a program that may assist me in bringing my load current and an initial payment of $2, 230.74 must be received by 05/15/09”. This was mailed to Wells Fargo on 05/01/09.

July 1st, 2009 I received a statement telling me that your office has started foreclosure proceedings and if I want to retain this home I need to pay the entire mortgage balance of over $248, 000.

July 6th, 2009 I mailed out my July 2009 payment of $2, 230.74

July 8th, 2009 I called and spoke to (3) customer service persons with the final call senior person whom advised me that they needed more information from me since April 2009. I advised her that I never received a call telling me that or a letter in the mail requesting additional documents, then she tells me the information is out dated and I need to re-fax for the 4th time. I re-faxed per her request today 07/08/09.

9/22/09 Received notice from Wells Fargo stating they will temporarily let me pay a reduced installment but I still need to go through the approval process for a loan modification. (How long is this going to take?)

In the mean time I called my other mortgage company and they have a great percentage rate that I would like to take advantage of but they told me that I do not meet the guidelines because the negative reporting from Wells Fargo on my credit. This caused my credit score to plummet! I am not happy…..

10/13/09 I called Wells Fargo and advised them that I am unable to pay the agreement on the 1st of the month. I was advised that it would be fine to pay this by the 5th of the month since I receive the rent checks on the 1st. I was also advised that I can call the payment in via check by phone.

01/12/10 I called Wells Fargo for an update and they advised me to re-submit Hardship letter, proof of income and expenses to loss mitigation. I re-faxed for the 5th time At present my file is in active loss mitigation.

1/20/10 I was advised that the Dec 2009 payment was received on 12/08/09 therefore causing the account to go into a default since it was 3 days late.

1/20/10 Received call at 12.53am from tenant in Unit 1 stating that a man came to the Apts took a picture and gave them a notice with my husband’s name, acct # and toll free notice and stating that this property is in foreclosure. I called Wells Fargo and spoke to an employee who advised me that this is not in foreclosure but loss mitigation and I am to contact them monthly to update or check the status. They are trying to do a workout option. I was also advised to contact Credit Counseling HUD at [protected] to see if they can assist me.

I called Wells Fargo and they gave me the attorney that has my file.I spoke to a lady and she Advised me that the property is in foreclosure and they received my file 01/18/10

I called the Credit Counseling, Ocala Housing Authority [protected] and they advised me a workshop is available on 02/03/10 from 5 – 7 pm and my name has been placed on the list to attend.

1/21/10 Called Community Legal Services Help-line [protected] opt # 3 Legal Advice Clinic ext. 2913. Box is full and unable to leave message. Made 2 other attempts.
1/26/10 Spoke with Wells Fargo and the Rep. finally took the time to review my account. I advised her that they keep adding up my expenses / income wrong. She advised me that it showed I had a deficit of over $4, 000. After faxing and faxing expense / income reports showing that this is not the case. After she reviewed my expenses she showed a deficit of $1, 000 and stated that she will fwd my file to her supervisor to be sent to the negotiator about the changes in the expense and income amounts.
I asked her to send me a payment history to see if I have had 6 months of late payments per the Florida Statutes www.Foreclosurelaw.com. I was also told this is a Fannie Mae Loan so I called [protected] to ask for help in keeping my property. She advised me I should have received my acceleration letter in 12/13/09 asking for the $10, 000. Since my file has been fwd to an Attny then I will have Attny fees added to my account. I stated that this is not fair. Foreclosure began 01/15/10 and I submitted updated documents on 01/12/10.

I had my January 2010 payment to send to Wells Fargo and I asked who shall I send my payment to and I was told the Attny. If I send to Wells Fargo they will return the check back to me. I called the Attny office and and they are still waiting for documents to be sent to them.

01/19/10 I called Wells Fargo for an update and they advised me to resubmit updated hardship letter and proof of income since the file is in loss mitigation under review. I re-faxed for the 6th time

02/01/10 I called Wells Fargo spoke to Loss Mitigation after receiving a personal summons to appear in the court house today. This was hand delivered to all my tenants including one that just moved in yesterday. I received many phone calls with upset tenants and I depend on them to pay me so that I can pay wells fargo. There office told me the famous lines “Your file is under review” there have been a lot of programs that they have submitted my name for but I have not qualified for any of them. I need to keep calling weekly and sending in my financial info.

The account shows that I am 6 payments behind which include the payment agreement for $1, 943.32 for Oct 2009, Nov 2009 and Dec 2009. But the difference was still due so what they did was place my initial $1, 943.32 in a suspended account and waited for my Nov 2009 payment, took the difference out to make up the full payment of $2, 230.74 which showed my account even more past due. Also because I was unable to make my January payment to Wells Fargo and the Attny did not have my documents at that time I held onto it until someone can tell me, that also is included in the 6 payments behind. Also included is the February 2010 payment due today. Where shall I send my payments?

I have not told the reason why I have not qualified for the Loan Modification. However, if I am 4 months past due on the account it will be foreclosed. Rental property’s does not qualify for loan modification.

02/11/10 (over 1 ½ hours on the phone) I received a surprised call from Wells Fargo for I think the first time and was hoping this was the call about my submission for a loan modification. He advised me he was following up on the UPS package that I received on 02/10/10 which had an agreement that I needed to sign before they can take this out of foreclosure. He also advised me that I am on a re-payment plan. He advised me that I am past due and owe $2, 159.21 for my Feb 2010 payment. I advised him that my next payment is not till April 2010. He then looked at my account further and said that I need $141.42 by 03/01/10 to keep my plan. I said, what plan, your company has not done any plan for me I am paying my monthly payments as usual. He then said to bring my loan current I would have to pay $2, 289.50 by 02/15/10 and this will take my account out of foreclosure. I advised him that the $13, 000 that I made brought my account current. And that I am going to get the attny office on the other line since he was not willing to call them and verify the amounts and the arrangements. I called my contact who stated that I was correct I mailed the $13, 000 and the next payment is due April 2010. Then he said he sees $10, 000 and she said she sent a $10, 000 payment from another client and they must have got this mixed up. She had to email her contact at wells Fargo to tell her what the arrangements including the payment date was changed from the 1st of the month to the 15th of the month and that the foreclosure was stopped.

Then I asked him about the status of my loan modification he said that I did not qualify because it was an investment property and not a primary resident and that I did not fall under the Investor guidelines and the affordability category e.g. Value of property, financial situation etc. According to his record there is a surplus on my income/expense of $2, 436.00... I said no way, that’s wrong. He said he showed an income of Yvonne, other $3, 300 month on top of the $384.00 month freelance income. I advised him that I get $3, 248.90 which is my husband’s income and $2, 000 which is income from my 3 tenants.
Therefore for the 3rd time they have added my expense that I faxed several times incorrectly. And on top of this error he had the nerve to ask me to fax (a) proof of income (b) financial worksheet (c) hardship letter every month. I asked WHY….it makes no difference, they will not do anything and he did say it shows that I am in the window of affordability. My debt to income ratio is 38.125% and I have to be over 38% to qualify. He also said since I won’t qualify for modification they still may have an in-house modification that I may qualify so I need to update them monthly. He also stated that I showed inability to afford any reduction at the time of my initial request. I advised him because they based their figures on incorrect amounts that your company calculated incorrectly. He then looked at my credit report and stated that I had a charge card of $715 month with at balance of $96, 000. I advised him I did not know what he was talking about and this was incorrect.

02/12/10 I received a letter dated 02/05/10 from Wells Fargo stating that they did not approve my modification since the property is not owner occupied. Although they knew I had tenants and this was a commercial building.

I am very frustrated with the lack of assistance and the lack of help. I have told the office on several occasions that I feel that I have fallen through the cracks because there is no way a office could operate this poorly with a customer for over 1 year…..The other hand does not know what the other had is doing…..

Time line - Letter requesting modification 12/08/09
Letter denying modification 02/12/10
1 year and 2 months.

I couldn't agree more with Sharon's statement. Get ready for a very long haul, indeed! I have been trying for a modification with Wells since April 9, 2009. It's been a nightmare! I've lost count of all the faxes I've sent them, the phone calls to them and from them. They verified several of the faxes I sent were adequate and correct, only to be denied because of an employee's incompetence, bad mood or whatever.
The latest round with them was on January 13th. They received my fax and agreed they had everything they needed and we meet the qualification criteria. This time it's supposed to be "excellerated" and has been sent to a supervisor named Sophia Perez. I no longer trust them. On January 21st I have a conference call scheduled with a HUD sponsored credit counseler and Wells. SOMEONE at Wells is going to take responsibility for this long, stressfull and unnecessary process they have put us through.
President Obama is doing everything in his power to get these banks to help struggling homeowners. The Republicans and a certain "Independent" are taking to much campaign money from the financial industry and are opposing everything the President is doing. WRITE your representatives in Washington. Email and phone calls don't work. I've tried.

Get ready for a very long haul. The same stuff has been happening to me SINCE MAY! I sent in the package, they confimed it, then 2 weeks later, they say they never got it. They don't return calls or emails. You can't get anyone on the phone who really is handling your case. They are impervious to the fact that their incompetence is going to cause you financial hardship.

If you find some recourse, please let me know.
Sharon

I am concerned about the treatment, regarding fees, I received from Wells Fargo Payroll. I terminated payroll services with Wells Fargo in August 2016; with a notice Wells Fargo acknowledges receiving. Wells Fargo responded days later with a few follow up questions in a secured email format to me. The email contained a link to open the text, which looked suspicious to me (I have contracted computer viruses in the past from such emails). Because of my suspicion, I did not open the email and obviously did not respond. Wells Fargo made no further attempts to contact me. No second email, no phone call, no letters. So rather than honor my request to terminate the service, they continued to charge me for several months; despite the fact that I submitted no new payroll processing business to them. To add insult to injury, they filed W-2s and 1099s for all of my employees without instruction to do so and after I had terminated. My new payroll service had reported the same information to the IRS, so consequently; too much compensation has been reported to the IRS for all of my employees. Wells Fargo Payroll refuses to amend their filing, despite my pleas to them to fix their error. They also responded to my complaint confining their intent to keep the fees they collected after my written termination was received. My employees may suffer consequence because Wells Fargo Payroll is more interested in fee income and standing behind one single email to say I am in the wrong. If you terminate a service and the provider has follow up questions, does that mean the termination is not valid?...not in my book. If follow up questions are important, is one email sufficient effort on the part of the large organization like Wells Fargo? Or does a "one effort and done" approach allow Wells Faro an excuse to keep charging a customer fees in the hopes the customer does not respond?

I opened a new mortgage with Wells Fargo. At settlement I paid Farmers Insurance a full year for coverage and the first quarter property taxes, and had WF to charge me to keep the insurance and taxes in escrow. On the anniversary of my insurance, I get an email that my bill is due. I called WF and the young lady told me that I had to pay it. I asked what is the money in escrow for. She stated I had no escrow with them. At the exact same time, I had my on-line account open and told her to look at it again. Finally, I asked when will they pay it? She said at the end of the month. I responded, "Great! It cannot be at the end of month. The insurance will expire. If the house burns down tomorrow, you will not be paid. I have your name and will tell the bill collectors what you said." WF will take your mortgage payment out of your account, but do not want to pay important bills. I had to continue for 4 years to remind them to pay. I refinanced with someone else never to go back; they will take your monthly mortgage payments from your checking, I asked to get my over payment and escrow put into my checking. They refused and took 30 days to snail mail a check... I am still pissed about them, and sorry I used them. WF sucks!

I have had it with inept Wells Fargo customer service/phone bank reps--and really tWellsFargo in general! Been with WF since the 80's but any time I call WF's 800# (and other numbers)- get unknowledgeable, inconsistent, and uncaring people with attitude (usually the women..). I complained 4x - only to be lectured about by "executive level" phone bank people. They dont listen or care. BUT they get their paycheck... I was given 2 DIFFERENT mailing adresses (to mail complaints to CEO levels-since the verbal complaints I gave (and promised someone will call me..) - (SF or Charlotte, NC...) ? I dble checked with 2 diff. phone #'s given- no one heard opf NC...VERY inconsistent, attitude, and NO help. A WASTE of time. Where do they get these workers? That is the problem with American nowdays-no quality people. They dont train them consistently or properly.
WellsFargo acts like a 2 star bank. But the executives are making tons of money--why?
I may take all my $ out. There are at least 50 diff. phone #'s on the online banking site-none provide help. The email addr. only sends back a cookie cutter email -to call the 800 # ! What a joke. I never did get help with all the calls I made.

So if WF isn't skimming my money, why do I have a whopping $1.33 in my account right now, when I had substantially more just a few days ago? I know how much money I *should* have, and do keep a register, but when I look at my statement, it's a different story, because they've snuck some inane fee in on me. I get charged fees for everything from checking a balance (that's right - I didn't withdraw money, but they sure did!), to breathing wrong, apparently! I tried to call customer service (I use that phrase lightly LOL), and a "supervisor" who sounded to be about 15 years old tried to tell me that she couldn't reverse the fees. Wells Fargo is a joke. I had BoA a few years ago and hated them, and they weren't even THIS bad. At least they would own up and reverse a fee that was charged to me unknowingly. I had a CU account last year, and had to close it when I moved out-of-state because there wasn't a co-operative branch in my new state. I'm going back to credit unions, where I'm actually treated with respect, and so is the money I work so hard for.

I would say that 9 out of 10 people who have a serious problem with any bank either A) do not understand how a bank works, B) lack a basic understanding of math. Banks are not charities, nor are they not-for-profit organizations. There are simple and finite ways to avoid overdraft fees. DON'T SPEND MORE THAN YOU HAVE. When you overdraft your account, the bank is essentially loaning you money. The fee you pay for the bank loaning you money ( the fee that you agreed to when you signed the papers opening the account that *YOU* neglected to read) pays for the bank tellers, and ATM's and your online banking. Secondly, their policy of clearing larger debits before smaller ones may mean that you get hit with more fees ( again, don't spend more than you actually have and it should be fine. It is not the bank's job to figure out how much you should spend) is to make sure that your larger items like your rent, mortgage, car payment, insurance are not returned in favor of clearing 5 purchases from mcdonalds. I can't understand people who act like banks are supposed to be doing all of this out of the goodness of their hearts. Do you work for free? How does your business make money? People agree to pay for services rendered, right? Thought so. "Big banks" aren't the mafia. They're not theives. If a charge or debit appears on your account, banks are more than willing to explain it to you at the least if not reverse it as a courtesy to you or even set up a case for you if fraud has been committed. If you constantly find yourself overdrawn, or that the bank is "stealing your money", I'm sure that they'd be more than happy to give you what's left in your account so that you may buy a mason jar to hold your future earnings. It'll save you the hassle of actually doing math, and the bank employees the hassle of having to explain this to you for the 16th time.

anoir i totally understood what you were saying at this piont the idiot who works in a bank needs to go to school, because there is no way anyone in their right mind should defend wf they are theives and idiots and i am so upset and i blame myself for ever having a bank account with them, people will say B of A is better no they are the same never do business with a big bank even a wf employee told me all these banks are out to screw consumers the only banks that actullay care are the small ones they might not be convinient but they will treat you a million times better, so I mean i joined chase but someone has told me chase isn't all that better so the best bet is to avoid all big banks period because they all suck and yes they are profit only banks. Chunkmaster they are doing the same crap to me I agree and they are harrasing me daily with phone calls maybe i should get them on harrassment charges.

Wells Fargo guilty of misrepresentation deception and fraud!
And piled fees on top of fees after i tried to pay off the fees and they kept slipping a new one right under the time limits! even after i canceled the accounts they kept fee piling and calling ten times on a Sunday to harass me! I told them to stop calling and they refused and would not cancel the accounts! They would not listen and repeated there rhetoric like checked out drone monkeys! I told them i will abandon the account!
Who do these people think they are? And why do they get to get away with it?
All i wanted to do was get away from them because of the very practices they employ!
They are corrupted in there culture and behavior!

It was like paying protection money to the mafia!

DO NOT DO BUSINESS WITH WELLS FARGO ON ANY LEVEL!
In my opinion they are a rip off lying cheating corrupt corporate MAFIA!

That's the thing that you have to keep in mind. Wells Fargo is a FOR PROFIT company. Like all other banks, how your debits/credits are posted are clearly explained in disclosures before you open your account. Lack of keeping a register and not realizing how much money is in your account, is no fault of the bank. I work at a bank and see this time and time again. People need to realize that you shouldn't be making purchases if you don't have sufficient funds to cover it. PERIOD. The fee charged is a convenience fee that MOST people appreciate. If you are someone that finds yourself overdrafting your account, than maybe a bank account isn't for you.

AniOR -- why would someone from the banks be telling people how to AVOID overdraft fees? The banks want to keep collecting that money.

Did the same to me!
And piled fees on top of fees after i tried to pay off the fees and they kept slipping a new one right under the time limits! even after i canceled the accounts they kept fee piling and calling ten times on a Sunday to harass me! I told them to stop calling and they refused and would not cancel the accounts! They would not listen and repeated there rhetoric like checked out drone monkeys! I told them i will abandon the account!
Who do these people think they are? And why do they get to get away with it?
It was like paying protection money to the mafia!

DO NOT DO BUSINESS WITH WELLS FARGO ON ANY LEVEL!
In my opinion they are a rip off lying cheating corrupt corporate entity!

Happened to me too ~ the first couple times I just dealt with it ~ then the last time I took the info down to the Branch, explained how the charges were incorrectly hitting my account which is causing the O/D's ...the Branch Manager said she didnt have the authority to change anything ~ even tho all I was asking is the extra O/D fee's to be removed and how I could prove with receipts ect and even the shops deposit records that WF was posting the charges incorrectly. When the branch wouldnt do anything about it ~ I scanned all the info and sent to the customer service contact given to me to contact. This is what I got back

*********************************************************************************************************
Overdraft and Return Check fees are posted to your account on the business day after the actual overdraft occurs.
In reviewing your overdraft fees, I found that although you made your Check Card purchase at xxxx for $8.25 and $5.75 on 10/16/2009, xxxx did not present this transaction to Wells Fargo for payment until 10/19/2009.

(more blah blah blah on how its not THEIR FAULT etc ... but note I never said it was or wasnt their fault I was asking that 2 of the 3 O/D charges be removed because I could prove with receipts that their was funds in the account at the time of the charge...but Nooooooo they'd rather lose a customer than lose their precious extra fee's and predatory income they sooooo rely on ...all Ive found are bad reports on Wells Fargo ~ so never again with me and Im telling everyone I know how they treated me...the letter continued)

At your request, I have closed your Custom Management Checking account effective today.
We realize that in today's environment, customer service often becomes the deciding factor when a customer chooses a financial institution. Wells Fargo is truly committed to coming through for its customers. ( Yah right~~!) Our goal is to continue to meet and exceed your service expectations. (If that was so a simple ~ removal of excess fee's wouldve been the answer!)
We are sorry that we failed to meet your expectations but hope you will allow us the chance to serve you again in the future. (Again ~ Never again! EVER!)

I am currently experiencing the same issue with Wells Fargo Mortgage. I lost my job, had two deaths in the family, and then my wife was on maternity leave that threw us behind. We have been up front in contacting and working with Wells Fargo and have been requesting loan modification applications and documents for nearly 6 months and all we get is letters thanking us for contacting them.

When the loan modification program was first introduced, I called the Wells Fargo and it was like they hired a call center of 16 year old teenagers who were rude, short, and could not answer simple questions about the program. I called them several times where I was on hold each time forever to end up speaking with a person who did not know anything and I wonder if they even knew they were working for Wells Fargo. It seemed that Wells Fargo just to a half hazzard approached to look like they had a program to assist people and had no intentions of actually helping anyone. I got so frustrated that I gave up on it for a while until circumstances reached critical and we had to come to a resolution. This time it was several months later and I got more mature employees, but all they were was a call center that took notes and then esculated the it to the loss mitigation department and to this day I have not heard anything back and I continue to call, go through the same run around and I am told that they will be sending me the application and documents and all I get is a letter in a few days thanking me for calling them. That is it. I call back and I am told that they see the request I made and they issue another request to where I receive nothing.

Wells Fargo was rating as the second worst bank in mortgage loan modification with thousands of complaints. I have made several contacts to Senator Kay Baily Hutchison, Governor Rick Perry, Senator John Conryn, President Obama (good luck getting any response), the head of HUD Secretary Shaun Donovan, Representative Sam Johnson, Representative Ralph Hall, Senator Florence Shapiro.

Where do you go when your bank is not helping and your elected leaders are not helping. Relection time is coming around the corner and I don't care if you are Democrat or Republican...if you are in office right now, I feel you are part of the problem and not the solution that is time to get a new person in office by voting for someone else. They all tell you what you want to hear and make promises to get elected and then you don't exist until they need your vote during election time and in reality, they are the ones that got us into this mess.

I honestly believe that Wells Fargo is attempting a land grap and with Tax Payer Government Bailouts...they have nothing to lose, they are just building their kingdom. When they got their bank bailout money, instead of helping their customers...they went out and purchased Wachovia Bank. Sounds like they really needed that bailout.

I would urge everyone to write your elected leaders at http://www.congress.org/ and also start writing the media. Wells Fargo is pushing people into foreclosure and I am just waiting for them to be back getting another Government Bailout stating all these homeowners did not pay their mortgages, when the truth is Wells Fargo set them up for failure.

My story is the same, but the difference is that I have been given a new modified loan through the loan modification dept after a year and a half of rudeness, harrassment, and lies, not to mention constant repeating the same story over and over to customer service reps from every state in the union...

The Modification Dept namely the person that supposedly worked personally on my modification STEPHANIE ID # OZ8 said that I didn't send in some important paperwork. She then (without notifying me) canceled the contract that was already signed with the new agreement, the amount of payments behind put at the end of the loan, new % rate, and lower payment that was due Dec. 1, 09. The reason was for not sending in a faxed copy of my divorce papers and a $331.62 payment for costs. Stephanie said that the $331.62 was waved because I told her that I just couldn't afford it at the time. This was in November.. I did send in the divorce papers within minutes of speaking to her. I have proof of the fax and tried to tell customer service that I had sent in the fax of divorce papers and that the $331.62 was waved by phone with Stephanie. I have since sent in a money order for that amount and have sent in the proof of the date that I sent in the divorce papers. It's a good thing that I kept excellent records through all of this !

I was notified after the fact of all of the above that now my home was in foreclosure for not submitting the copy of my divorce...and paying the $331.62 to complete the entire process. I was sent a letter from a attorneys office and talked with the person handling my case. She said that they would be putting the home up for sale in 8 days!

I called H.O.P.E. and had a agent by the name of Ruby go on a three way call to help me get through to someone that could clear all of this up. Remember...Wells Fargo has all of the documents (they found the copy of my divorce papers that I sent and told me to send in the $331.62 to get things back on track...

Loooong story short it is now Dec 3rd and I don't know if I have it straightened out or not//////I was on the phone today for over 5 hours and I still don't have a yes or no answer from anyone there!

I have the money for my first payment that was due on Dec.1 with the contract, but I can't get a answer if I still have it or not...

FOX NEWS and a CLASS ACT LAWSUIT IS IN ORDER for all of us that are being put through this needless harassment and unnecessary emotional trauma. GIVE US THE NUMBERS TO THE PEOPLE THAT ARE HANDLING OUR CASES ! THEN GIVE US THEIR SUPERVISORS NUMBERS...We are all out here losing our homes one after another...Going through the same treatment from your company...andyou are just using the customer service workers as a wall to protect your sorry ###...

If anyone wants to contact me my email address is astoria_jan@yahoo.com I will gladly help to pursue any action necessary to help others out there in my situation. A few thousand of us could make quite a stink using the media...! Fox News would love this story, I'm sure...

Best Regards, Janice L Brown

I am going through the same thing with them. After two deaths and my husband leaving us they will NOT help at all. I bought in 2006 and was not once even late on a payment until three months ago and they won't even talk to me because I don't live in it. HELLO? I can't afford to live in it! What can I do?

I believe I have an office number for a Bronson Mallert I think he works for Rels - [protected]

We refinanced with Wells Fargo about 3 years ago and also had a very bad "professional appraisal" done by RELS. First off the "appraiser" we had wasn't from this area. She had very little knowledge of the area where my home is located. there were so many errors in her report it was comical, but I was hardly laughing. Some examples: She listed my house as constructed on a pier and beam foundation; it is built on a concrete slab. She listed the exterior as brick and stucco; it is brick and vinyl siding. Her sketch drawing look liked a kid in 1st grade drew it, which is an insult to most 1st graders. She drew the perimeter of the house; showed no interior rooms, patios, garage etc. She had the wrong dimensions (less than it actually is) of our property. But the biggest error was her measurements of my house she measured the longest of my outside walls from front to back 4 feet shorter than it actually is. This may seem like a small error but when you factor in square footage X price per square foot it adds up and real quick. I got zero value for 2 attached porches, and 1 attached patio that are all built under the original roof line of the house. My attached garage also built under the same original roof line was also measured short on the walls, decreasing the square footage for that value also. When I complained to Wells Fargo about this they informed me they would "look into it" I sent the mortgage rep from Wells Fargo a copy of my plot plan, house plans, and a picture of my tape measure showing the correct length of the shorted wall, I was told that RELS "stood by their appraiser report" I challenged Wells Fargo to send another appraiser from RELS out here to remeasure the disputed walls. If they were right as stated I'd pay for another appraisal. However if I was right not only would they not charge me for a second appraisal, but I wanted a full refund on the original appraisal-they refused as I knew they would. I complained so many times to Wells Fargo that I wasn't paying for this bogus work that they refunded me the fee. However my home was "valued" over 20K less than 3 years ago from a previous refinance all because I had less square footage. Also when I compared the 2 appraisals that were done, RELS was so unprofessional with all of the errors it is sad. In the end it didn't affect my refinance but I believe that Wells Fargo and RELS are under valuing property so that they make you pay the Bulls**t PMI insurance so they can scam you for more money.

I'm also going through the same thing. I requested an Appraisal for PMI Cancellation, not knowing these companies were in bed together, I paid the 500 dollar appraisal fee. I purchased my home 3 years ago and have made 15, 000 in improvements. The appraisal just came back with a decrease in overall value by 12, 000! My market is hot and the comps are high. I was told by the appraisal company that they submitted comps, but RELS Valuation asked them to use different comps due to external factors. This caused the appraisal to come in far under market value. I've just began the dispute process which also seems rigged. They want me to go out and get MLS Comps and justify the value. They know that I cannot do that work on my own. It's all about money. I contacted a friend who is a realtor and thankfully received the comp MLS data I needed. I cannot believe this is not illegal somehow!

UGH!
Going through same thing expensive and low appraisal. When the appraisal was disputed it took 2 weeks to get an answer on the re review of property. "The answer was We can not get a hold of the appraiser." The second answer was "The appraiser refused to re review it." 3 plus weeks later closing date moved 3 times. A new appraiser assigned but Still no answer!

I paid Wells Fargo for a Broker's Price Opinion since the value of my home in the Denver area has gone way up, so I could drop my Mortgage Insurance Payment. The appraisal came back 100, 000$ low! It was filled with huge errors...such as square footage, type of home, and comps out of my zip code of houses half the size.
I spent hours gathering facts to go along with their paper work I had to file for a reconsideration.
After many, many phone calls, I finally got a letter stating they raised the value 15, 000, with no explanation, or acknowledgement of the proof I sent in. I have not been able to talk to anyone at Rels Valuation...I have asked many times when I have talked to people at Wells Fargo to talk to some one at Rels, and have been told I can't...and, by the way, I was told I can not file another reconsideration...you get to do that one time.
I am not stopping until I get an accurate appraisal, but, was told I have to pay again! I will not pay another penny!
Does anyone have a phone number for Rels Valuation?
I refinanced my house 3 years ago, have a 3 1/4 interest rate. Wells Fargo bought my mortgage...I would NEVER do business with again! If I didn't have such a good rate, I would refinance with another company.
Any ideas for my next step?
Mbliss1007@msn.com
Marian

My experience was similar, but even more inept - the appraiser wanted to charge us $740. and was unable to complete the report by the closing date - extortion comes to mind. After requesting a different appraiser who agreed to a more reasonable price, he still failed to provide the report at the promised date, and when it was finally finished after multiple mishaps, the appraisal came in at our first low offer on the property. In looking at the report in detail, I discovered the appraiser had viewed our purchase contract, but clearly only the first offer. When the report was challenged, he changed it to the value we were currently offering., $25, 000. higher than his first appraisal. I am not sure a different AMC will help because Carla Larson is listed as 'senior account manager' on both RELS and Prime Valuation, , the company our lender uses, both located at the same address, with different suite #'s. She was the contact for our AMC, and we are not with Wells Fargo or BofA. Some might say alls well that ends well, but I can't let this one go - two months after our original closing date, we still haven't closed, and for no other reason than the appraisal problems.

Thank you so much for all the posts here. I had a feeling that this getting the appraisal done by RELS Valuation was simply a way for RELS and Wells Fargo to get more money. I will not bother to pay for the reappraisal that will of course come back undervalued. Instead, I think I might just speak with my mortgage broker to refinance, specifically requesting that I don't use either BofA or Wells Fargo (since both use RELS). Wells Fargo loses my business and a tidy interest payment each month. Hearing this, I'll never do business with them again.

I am extremely angry with the Rels appraiser. He did our house inspection in June 24, 2011 at 95129 area. When he came in, he said he was going to take pictures only and finished within one minute and left (he mentioned he needed to catch other appointment). After I received his report, I saw his appraisal value was $150k lower than the one performed a few months ago. Therefore I carefully read his report and found there were too many mistaken statements on the property such as living square feet, washer/dryer (he entered “No”, but should be ”Yes”), A/C (he entered “No”, but should be “Central”), floor location (he entered “One”, but should be “Two-levels”), patio/deck (he entered “patio” only, but should be “patio/deck”), design style (he entered “condo” only, but should be “Town home”) etc. I called him on how he got the living area number, he said he measured the property in 2007. It is likely he generated the report from his personal data in 2007 and attached the new photos. We really doubt his work ethics and are talking with his upper-management to waive the appraisal charge.

I am a contracted appraiser that works with this company. This is the worse company I HAVE ever been contracted by. I do appraisal work for FB, BofA and a few other banks and by far Rels is soooo rude on the phone, that is if you can get someone on the phone! If I receive a difficult appraisal that is not typical for the area and request for a fee increase, they always say no and the last representative at Rels advised me that if I didn't do the work for the assigned fee they would take me off there appraiser list. As a appraiser a typical fee is $350 -$400 . I know alot of you out there probably think wow that is alot of money the truth of the matter is we have alot of over head, software, E& O insurance (which is outrages) health insurance, gas (which is outrages) and a monthly fee to have access to county records, MLS oh and lets not forget continuing education and our licensing fees we pay the state. So, at $230 a appraisal there isn't to much left after you back out these additional fees. This company only pays $230.00 It is sad to think they are pocketing the additional fee and should at least be giving some relief to the homeowner/ consumer. I cannot wait until business picks up, because I would definitely tell them to stick it where the sun don't shine! Northern Calif. Appraiser

My situation has been with their method of posting the largest to the smallest charges which results in more money in their pockets. Why can't they just withdraw the money according to the date and time stamp on the transaction. This is the RIGHT thing to do. Wells Fargo has basically raped their customers by keeping this procedure. Their answer is "well it's in the disclosure book we provided to you when you opened the account"...and how long have I been with Wells Fargo?
Today I checked my account and was charged for the checkcard rewards program and an overdraft fee for insufficient funds. The "funny" thing is, I had requested this program be cancelled several times. When I called them to have the fee reversed I was told they could not do that because the program had been active since 2004. I REPEATEDLY told them that I had REPEATEDLY asked for the "rewards" program to be removed from the account. To my surprise, I was told once again that they would cancel it but not refund the $12 fee or the overdraft fee because of the length of time the program had been linked to my checkcard. They absolutely refused to take responsibility for the fact that whoever I spoke with in the past neither cancelled it OR even noted my account. I was told that a request would be processed for the refund but that could take up to 30 days. 30 days for Wells Fargo to earn interest on the $47 dollars deducted from my account as a result of their inability to provide customer service. How convenient for them...

Wells Fargo charged me 25.00 just for the priviledge of having a credit card with a zero balance! I called them, they were not helpful! I paid them so I would not be charged a 39.00 late fee! At least that is 39.00 they didn't get!

I will never do business with them again!