senior rep angela
I received a rude voice message from Senior Rep Angela today July 24, 2012. I called Wells Fargo customer service to see if my car payments was up to date because she left an impound notice message. After talking to the customer service rep, I was informed that my payments are not only up to date but my payments are three months in advance. There is currently no payments due until October 21, 2012. Then, I told the representive that someone left me a message name Angela from Wells Fargo Delear Service and I was concerned. The representative then gave me a [protected] to call. I then called that number and I was transfer to angela. She answer the phone really rude asking me what I wanted. I said actually I am returning your call. She later said to me she wanted to get information from me regarding a report she received. I said to her I am more than willing to provide information to someone who can treat me with respect and has customer service skills. She responded, " Who are you? Do you have a degree in Psychology? She then place me on hold. Actually, I do have a college degree in psychology little did she know. I am a loyal customer for 3 years now and I am really surprise by the kind of service I received.
took money out of my account
There is a company that said I owe them money. They had my Debit card number. I do not owe them any money. I went to Wells Fargo bank and talked to one of the bankers. I was told that if I got a new debit card that the company wouldn't be able to take any money from my account. I was issued a new debit card. But the company withdrew the money from my account even though I didn't have all the money they wanted in my account. Wells Fargo approved the withdrawal. Now I will be charged for insufficient funds.I went to talk to Wells Fargo bank manager. He told me there was nothing he could do. I asked"how could WF approve the withdrawal if I didn't have the funds in my account"?. He said that is their policy. Yeah, right. Because they get the fees from insufficient fund accounts, so they cause accounts to become insufficient. I am closing my account, that's for sure.
WELLS FARGO BANK IS A BUNCH OF CROOKS AND LIARS!
The complaint has been investigated and resolved to the customer’s satisfaction.
finance / total loss
Wells Fargo has grown so large, their right hand does not know what their left hand is doing!
To summarize, they financed a vehicle twice and charged me for 3 additional insurance policies. Then financed another vehicle that was supposed to be on ONE loan that I signed a contract and agreed to. Then went against the contract and split it into two full car payments a month AFTER agreeing to keep it as ONE LOAN. They used their insurance to cover the loss, but are still charging us for it!
I financed a vehicle with Wells Fargo a few years ago. They required an additional $500 for a GAP insurance company. 2 years later, we refinanced with them. They made us pay additional insurance charges to cover in case of total loss including insurance to cover the deductible this time.
A few months ago, the vehicle was rear ended and became a total loss. The 2 GAP insurance policies refused to pay stating their records from Wells Fargo showed it was paid off. We had to finance another car, and Wells Fargo said they would merge the small remainder of old loan with new loan until they fixed the GAP insurance mistake.
Instead, they never merged them and never sent the correct information for the GAP claim, which now has expired. Then they sent a letter saying to call to work a different plan for the amount left over. I call and they are demanding full payment plus past due. I told them about the letter, they redirect me to another department that only takes voice mail. They never call back and are now charging it off as a loss instead of trying to settle this. But they also told me their insurance covered the loss, but they are still charging me for it.
We agreed to not do two separate car payments, but now they won't talk to us about it. They either want full past due payment, or charge it as a loss despite sending us a letter asking to change payment arrangements! How can they break their contract? How can they force us to buy 3 insurance policies that all failed, then use their own insurance to pay it off, and STILL charge us for the loss?
The complaint has been investigated and resolved to the customer’s satisfaction.
pmi removal
We refinanced our house in September 2010 to get a lower interest rate and shorten our loan term. At that time, our LTV was slightly higher than 80% resulting in PMI. Our original loan documents included a Private Mortgage Insurance Disclosure Fixed Rate Mortgage document that stated PMI would be cancelled (upon our request) when our LTV reached 80% on July 1, 2012. The document goes on to state that PMI would be automatically terminated on March 1, 2013, when our LTV reaches 78%. We contacted our current lender, Wells Fargo Home Mortgage, to request cancellation of PMI. We were told that the PMI could not be cancelled until our LTV reaches 75% despite the terms set forth in our legally binding contract. Keep in mind that our payment history is 100% on time with automatic payments through Wells Fargo and our loan is not high risk. Also, Wells Fargo even included these same guidelines, citing the Homeowner's Protection Act of 1998, when it sent out our projected escrow balance and payments for the year! Yet they refuse to cancel our PMI until we reach 75% LTV!
I don't know how to locate others experiencing the same problem. I would certainly join a class action against WF but finding a law firm willing to fight them would be an issue. Their nearly limitless resources makes it extremely difficult to take a stand against them. That's what's so frustrating. In my case they ignored the terms of a legally binding contract, making up their own terms instead. They had zero concern that any legal entity would force them to abide by the terms of the contract. It seems that they believe themselves to be above the law.
I am having a similar problem with them. I wonder if there is a way, other than posting on this board, of locating others in a similar situation to see if we have a case for a class action.
401k
I requested a 401K loan for emergency home repairs its summer in Texas and my air conditioner died they told me it would be 5-7 days before I would get they check I asked could they do a wire transfer they said against their policy BUT they offered a UPS option if I had a credit card so what choice did I have I know how much a next day afternoon delivery they hit my credit card for $31.85 for this which seems a little high I know I have sent Fedex next day afternoon much cheaper and as big as Wells Fargo is they should get discount rates. My complaint is they are a bank why could they not wire transfer the money in the first place and the UPS fee seems high and all this just to get MY HONEY its not THEIR MONEY I am the customer and this is an emergency they have no compassion at all they are cold and heartless they SURE TAKE YOUR MONEY but are unflexable and uncaring when you try to get to it in an emergency. I will be moving my balance to an IRA to get it away from Wells Fargo. I see why they have so many class action lawsuites against them whole company seems to be unethical not the first time I have had issue they denied me the making housing affordable program said I did not meet the requirements but when I called the governement was told I sure did qualify they flat lied to me told me they could not help till I was behind on my payments and my reason was not acceptable to asking for assistance both lies am checking into joining a class action suite against them now seems they have done this to lots of people did not want them in the first place my loan was sold to them if I could refi and get away I would. DO NOT DO BUSINESS OR USE CAUTION DOING BUSINESS WITH WELLS FARGO THEY ARE COLD HEARTLESS PEOPLE AND IN MY BOOK UNETHICAL.
The complaint has been investigated and resolved to the customer’s satisfaction.
car title
I received a letter dated June 9, 2012 from Wells Fargo Dealer Services advising me that my loan was paid in full and the car Title would be mailed to my address. As of July 3, 2012 I have not received my car Title. I telephoned customer service on June 27th at [protected] which is just their call center in Texas and spoke to David and to Terry the Supervisor. David told me the Title had been mailed on June 9, 2012 but that was not true. I insisted on speaking with a Supervisor and Terry told me that the Title had not yet been mailed from North Carolina. I don't know who to believe. I mailed 3 letters to 3 different Wells Fargo addresses. I also e-mailed the company. I have heard nothing from Wells Fargo. I am a widow and since my husband passed away I have paid off the mortgage on my home and and paid off the loan to Wells Fargo on my Lincoln Town Car. I have been working for a state organization as a Customer Service Rep. for 15 years and I am a responsible woman and I expect a business and their employees to do the same. I don't appreciate being lied to. I have wondered who received the monthly payments on my loan. I bought the car from a Ford Dealership in Lawrenceburg, Tennessee but they went out of business. My original loan was with Ford and later I received a letter telling me that Wells Fargo held the loan on my car. My name is Virginia A. Stone, 808 Bundrant St., Waynesboro, TN 38485 - Telephone [protected]. Thank you for your assistance.
The complaint has been investigated and resolved to the customer’s satisfaction.
harrassment
I am the POA on all of my parents accounts with this Bank. My father passed away on May 10th 2012. After going through some paperwork for my Mom, I found a credit card bill since my Dad has no estate no money coming in except for half of what he earned for my mom to live on. I tried to contact the Credit Card division to work out payment arrangements and was told that since they did not have any POA paperwork they would no talk to me. I have been playing this game since the middle of may and today I was told by a customer service rep that I had no grounds to put demands on them since they didn't have paper work. I am at my wits end and refuse to call them again. I went to my branch office today and they tried calling and were told the same thing. In the meantime my Mom is getting harrassing phone calls asking for money that she doesn't have. How can they harrass an 83 year old widow, and not want to discuss getting something out of this.
The complaint has been investigated and resolved to the customer’s satisfaction.
These people can not transfer any debt of your father's to any other person.
Tell them they are harrassing your Mother and you will complain to the Police.
They must write the debt off.
stay away for a car loan
"How are we going to pay the rest of the car payment let alone, rent, gas, elect..and food?"
Pawn more of your ###, hook or crook.
What an idiot. If you can't afford the loan, don't buy the car!
:) :)
Also if you are young and hot, you can always work on the streets and sell your body. Just tell your husband you are working which in a way is true.
"I sit here with tears in my eyes wondering what we are going to do next? How are we going to pay the rest of the car payment let alone, rent, gas, elect..and food? LOL whats that?"
You can learn to budget until you get back on your feet. Guess you can sell your car and pay for public transit, it will cost less than the insurance and gas money. You can decide to only buy what you need instead of what you want.
Well Pam now you've resorted to name-calling. That really isn't necessary, you damn skank.
Go away Tasha9 and don't come back.
aren't all loans companies the same? They will say anything to scare you into paying what you don't have and never accept you are short for a month. ###s, I say.
Spot on Paminohio. Most of the trolls on this site make belittling remarks to the OP's to feed their egos.
PaminOhio +1000
illegal repossession
My husband financed a car through Wells Fargo in December 2010. Up until our move in October, we paid more than the minimum monthly payment. In the upheaval of moving, we missed two months' payments, and without warning, Wells Fargo repossessed our car. We paid the fees and got it back, and part of the process was proof of insurance, which we faxed to them...
Read full complaint and 11 commentsincoming wire
For second time I got an incoming wire from Perú (South America) being charged for a fee that never was told before. One year ago, I got another incoming wire from Perú with same problem. Went to the bank and was told that probably was charged in Peru and to investigate the reason they would have to charge me. In Perú the fees for sending money were already paid so the quantity missing was only for Wells Fargo side. Then they said that because the money went to New York and then to Salt Lake City. And no reason why when the international incoming wire goes to San Francisco and not to New York. I passed this lost. Then I decided to make a change with another bank in Peru and with same Wells Fargo here. Again, after paying proper fees in Peru, there's missing in the bank here. So the problem is Wells Fargo. And not only that, but instead of the $ 10.00 free for incoming wire they took $ 16.00, and the amount of the incoming wire was half less than the one last year. I am feeling really disappointed with this bank. Already had taken the money to a credit union since then. And use WF bank only for small transactions. And of course no more incoming wires through this bank. I hope everybody can be aware of the hidden fees that this bank does and try not to work with them about incoming wires from another country..
The complaint has been investigated and resolved to the customer’s satisfaction.
pretenders of modification of loan
Wells Fargo pretends to give us a home-mortgage modification... we supplied over 50 pages
of documents...They claim paperwork lost. We sumitted paper work over, & over, It took
many hours, of making sure all the paper work was summitted. This went on for over 2
months, we could never make any live contact, had to call numerous times. Finally, we get a letter, we are denied because paper-work was due 30 days ago, & was not supplied. Wells Fargo are a scam, they are frauding, Tricking
people. Why they even pretend to get these loans done, I do not know. WELLS FARGO IS A SCAM!
The complaint has been investigated and resolved to the customer’s satisfaction.
auto repo
I was up to date on the payments on my car, have full auto ins. and Wells Fargo had my car repossessed, this is the 2nd time they have done this, I cant get through to them and I have tried but put on hold for 2-4 hours each time. I plan on just telling them to keep the car and refund all that I have paid, plus interest paid. They are the worst bank I have ever delt with.
Fed up in Wa. State.
Yes, I see what you mean now, and that makes since, will do.
Thanks
Not exaggerating nothing, WFF has a very bad team working for them, and a very low rating by the consumers of this country. Every thing stated are the correct facts, it is dam hard to explain all the mistakes by WFF when so many of them are made by so many different people, and I'm not the only person they have did this to. look I just wrote what happen in the shortest way possible, end of story, take it or leave it.
Yes, they told me it was a "Civil matter" as the repo man had signed papers from WFF
Att. I just received a phone call from the CEOs secretary that a mistake was made "again" and they are looking into this matter. So we will see what plays out today. I have contacted my personal attorney and he said we have a solid case for a lawsuit against Wells Fargo, and he knows that this has been done many times by WFF, we will win the suit, and with treble damages. I dislike all of this drama but sick of WFF screwing with the little guy.
What a world we live in today, no wonder people go off the deep end.
I have called all the phone numbers I could find for help on this matter, I have been put on hold for over 3 Hours ! time and time again, they took my car late Friday night, so there was no way to contact anyone. The tow truck driver gets paid to do this, and if does not he looses that account, and he had the paperwork to do so, so I would not call him an idiot, I would call the Bank the Idiots, they place themselves in a position of Legal action by me, which is going to happen.
I paid the payments direct to Wells Fargo Bank, 3 days before due date, have the receipt with the date, time and account numbers, the cash went directly into Wells Fargo Bank account. They have done this twice, the first time they said sorry our mistake, this time we are going to start litigation against the Bank, Tow company, and anyone else involved.
Bear in mind this all happened with in 30 days, taken twice. The Tow truck driver told me that Wells Fargo makes this mistake all the time, and he gets paid for doing this very well.
service charges on student checking
I have been with Wachovia since 2004 and got switched over to Wells Fargo last year. When I had my free student checking account with Wachovia and then Wells Fargo, they assured me that I would never have a service charge on there and would not have to worry about a minimum balance. I logged on yesterday morning to pay a bill, and lo and behold, a $5.00 service charge on my account out of the blue. I ran down to my local Wells Fargo and told them that there was a charge on my account that I was assured would never be on there. He looked at it and told me that I had to have a minimum balance in there or direct deposit. How can I manage that if I'm a college student? I told him I want my money back. He made me fill out a form to see what he could do in 5 days. I went to another bank last night to open up a new account with no service fees and no minimum balance. I will never do business with Wells Fargo again.
The complaint has been investigated and resolved to the customer’s satisfaction.
A similar thing happened to me with my Wells Fargo Account last year and this year. Last July I was informed by Wells Fargo that a new service fee would be applied come August UNLESS I made some changes in my banking, which would avoid this. I made said changes, and it was avoided. It was going to be a $7.00 fee. UNTIL, 6 months later I logged on to my account online, and there was a $12.00 monthy fee out of nowhere! I called and was told I could get this fee removed if I did some more basic things. And it just annoyed me that they never said a fee was coming soon. They want me to have a large amount in my checking at all times, or pay this fee. It stinks, but for now I am just biting the bullet until I can figure out what to do next. I like to go to the ATM and take out as much in cash as I can now on payday, after my direct deposit. This, just because I don't want my money in there. I just use them to write a few checks. I hate the $12.00 fee. It was just slipped in there. Guess they thought no one would notice, right?
That is par for WF. You are a student, I am a senior citizen. They ignore all of us.
home mortgage
My wife is starting nursing school and I started a new career within the last 6 months. I had fallen behind on my mortgage 1 month because of the cut in income. I have been getting calls about getting help with our loan from wells fargo and pursued a program they offer with support from the government. They said I didn't make enough money to qualify. DUUUHHHHHH. If I made the amount to qualify for this program then I wouldn't be behind and need this program. Now I will continue to be behind move out of my house and not pay a dime and wells fargo can have my house back and lose tens of thousands on a foreclosure sale. That makes a lot of sense WELLS FARGO!
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the unfortunate part is that foreclosure is actually very profitable. Many people are not aware that George Bush supported and passed a bill that pays banks for their "losses" when they foreclose. I remember it well and believe it was somewhere between. 2003 to 05 That's one of the reasons why the crisis started in the first place. It became a massive abuse as they realized they could get paid our tax dollars to take a home, then sell it for added profit. The fact is that they already profit before they re-sell. Try to keep up with their every bad move. I'd bet they've already made plenty of illegal or unethical. Pounce when you catch them, be dilligent, so you can force them to cooperate.
customer services
I have had pretty much of hardships from these representative in wells Fargo dealer services. I have been requesting a copy of the title to complete my registration in a different state. Its been more than 2 months since I have been running around the stupid suggestions these idiots gave me. Some times they say that they want a request to come from DMV and not me, to fax a copy of the title. Sometime they are OK with me sending the request for a copy of the title in DMV letterhead and sometime they are OK to receive it from me using normal fax. When I follow these instructions they don't react, as the opinion of one rep is not the same as others. Having delayed so much I demanded that I need to speak to supervisor to exactly know the process. Having tried out their useless faxing option I demanded that I need a copy of the title sent to my address. Its been 11 days and my title is still not with me. Wells Fargo always maintains that they have faxed or mailed. But they don't have any proof to substantiate that. When they fax they don't keep a confirmations. Neither their postal mails have a tracking number so that we could track. Trust me..these are the last people on earth who will help anyone. I hate having entrusted my car loan with them. If I had the slightest idea how bad they were I wouldn't have gone to these
The complaint has been investigated and resolved to the customer’s satisfaction.
legal processing fee rip off
My son is a disable vet and while he was in the military he became a victim of id fraud, the irs garnished his bank account for taxes not paid, when he called the irs they set him up on a payment agreement and sent a release to wells fargo, they had not received any of the garnishment monies as of yet how ever wells fargo put the money back in the account however they kept 200. 00 as fees. Some one please tell me how i can get my fees back. When i call the legal rip off department i was informed that this is a fee they have and there was nothing that could be done about the monies. These are dollars and cents for taking care of the household and since this has happened we have been in the rears.
The complaint has been investigated and resolved to the customer’s satisfaction.
WE HAVE SUBMITTED AN APPEAL AND GAVE THEM ALL THE DOCUMENTS AND PROOF THAT THEIR OWN APPRAISER LOW BALLED OUR HOUSE VALUE, THEY SHOULD HAVE REMOVE OUR PMI ACCORDING TO LTV OF 80/20 BUT WAS DENIED BECAUSE THEY DECIDED THAT WE DID NOT MEET THEIR CRITERIA. JUST GOES TO SHOW THAT "HE WHO HAS THE GOLD MAKES THE RULES!" WHO CAN WE TURN TO FOR HELP?
Back in June 2014 my whole checking and saving was garnish. A month later after some legal action towards the creditor for trying to take my money the court release my funds. WF legal dept claimed the sent a check on 7/16 and after multiple phone calls to them i was told i had to wait 30 and they can do a stop payment and reissued a new check. I called back on the exact 30 days and did a stop payment and reissued a new check. 2 weeks and 3 phone calls later im still waiting for my 1K+ in the mail. Can someone please tell me at this point who do i need to report about this?
Wells Fargo in New York has charged $125 on two occasion When I called to ask they said this is Legal Processing fee. I do not know what they are processing but till date I have NOT received any Notification. Would like to complain on these predatory and unethical practice of charging fees. Does any one know where to file complaint. Thank you.
I have a simple question, I have a $250 wage garnishment lien for taxes from the State of Idaho that was sent to Wells Fargo. This is pretty much a secondary account for me with only $20 in there at one point, and -$50 in the account on another time.. So can Wells Fargo charge me $100 even though there is no money in the account to give the State? I called the State and they said the fee is legal as long as funds are collected/paid to the lien. In this case there have been 4 separate $100 charges including to that were placed on my son's linked Teen Checking account. So there has been no funds collected because there was a negative balance at the time the garnishment was requested. Can they do this? Any advice on how to handle this (besides paying the State;) Thanks!~
Hey calling out the BS. Did you realize that it's called "Kicking someone when their down"? Charge someone 100.00 when they KNOW they are having financial problems. It's disgusting, especially when you had the garnishment removed.
I don't know if you have had any experiences with other banks but I just stopped by First Bank and they also charge a $100 non refundable fee for levy garnishments. It's the standard fee. If you paid what you needed to or figured it out before hand, you wouldn't be out of $100. It's easy to blame "big banks" for taking your money because it's "ALL THEIR fault" - how about you take some responsibility?
wells fargo also ripped me off for $100.00 they claim is for legal fees I paid that debt off and they provided me with no services but will not give me back this money. I am totally disgusted with them.
Just an update for you if you are still dealing with this so called "bank"! I just filed a complaint with the National Banking Association because here in Florida Wells Fargo is listed as a national bank. They have accepted my complaint and are starting an investigation into the banks practices. I also found a very strange connection between Wells Fargo and their so called "Legal department". The phone number is connected to a company called Dominion Law Associates and they are a collection company. I think that Wells Fargo is selling their customer's social security numbers to this company so that they can collect any possible debts for a fee. There is also a second company that is part of Dominion Assoc. that is called Sun Financial Alliance, LLC that sells insurance for loans and mortgages. There is absolutely something very "FISHY" going on with these 3 companies and I think VERY ILLEGAL.. I hope this info will help anyone else who is fighting with this bank for the return of THEIR money!
On June 12, 2012 NYS imposed a tax levy on my checking account. When I called Wells Fargo I was told that my account was 93.20 overdrawn. That they were holding $136 for NYS and that they "STOLE" $100 from my account for a processing fee. The deducted their $100 first then gave NYS the balance which was $136. I had two outstanding transactions that overdrew my account by $93.20. THIS IS DISGUSTING AND MAY BE ILLEGAL. I am retired and am living on $715 per/mo social security. After speaking with Wells Fargo, my bank, I called NYS about the levy and explained my situation. They immediately released the hold on my money and faxed the released to Wells Fargo while I was on the phone with them. I was told that the bank had 24-48 hours to return the money to my account. At this time, June 17, 2012 the money is still not returned to my account and the bank has informed me that they "WILL NOT RETURN THE $100 PROCESSING FEE"! How is it possible that NYS cannot touch my social security but Wells Fargo Bank can?I will not be able to pay my electric bill this month because of their abuse and I have spent the entire weekend without ANY money at all because of their inconsiderate attitude. I have filed a complaint with the Banking Commission here in Florida and will file hope to file charges against this bank. THEY SHOULD BE CLOSED DOWN AND FINED FOR THEIR ACTIONS!
death of my father
My parents are a personal and small business customer of Wells Fargo (have been for over 10 years). In April, my father died suddenly in a plane crash. Your bank immediately closed the business credit card account and equity line. This is a small business that was using the credit card to do business each month. Not only did you close my father’s credit...
Read full complaintbank took lower offer
I submitted an offer on a REO 10, 000 over asking. List price 214, 900 my offer was 225, 000, with25, 000 down After weeks of Wells Fargo coming back with different counter offers. They finally had me sign a counter offer saying, I would have to show proof of funds and that I would buy the house at my offer price even if it did not appraise for my offer price. I signed it and sent it back... Days later my realtor informed me that someone else got the house. I asked if I was out bid. He told me the listing office said they were close but the winning offer had more down. Now why that should matter and does not make sense.. I had 3 approvals from different banks including a required one from Wells Fargo. Well I waited until the house had gone through escrow and checked on what it had sold for. I then found out it had sold for 218, 000. I have sent E-Mails to Mr. Stumpf the CEO as well as the Board of Communications of Wells Fargo. Twice! No response!
I was dealing with Eric Kamp @ C21 Hometown Realty Grover Beach, Ca.[protected].
The listing office was a different office JO Outland Realty I'm not sure of this name but something like that . Eric would know all the details.
Sounds like something is not right ! A under the table deal?
Someone needs to explain this to me..
Thank you,
George G. Jewett
jewett.[protected]@yahoo.com
loan modification
I am working on my second attempt at a loan modification thru Wells Fargo. This is a screwed up company who took 9 months of paperwork and phone calls only to deny me a modification in 2010/11.
This attempt started in November 2011 and is still going on. Even though I have complied with all requested paperwok, and they are in the process of "helping"us, they sent me an intent to forclose letter which my "home loan specialist" didn't even know about. They have NO interest in helping their customers, only in their own profit and stealing peoples homes while dragging their feet under the farce of helping!
The complaint has been investigated and resolved to the customer’s satisfaction.
I agree wells fargo is not out to help there customers only to disgrace them, make them feel ashamed of needing help and make you well aware of it. I aslo applied for a load modification and was denied several times stating my wife can afford it on her own, we are months behind and just wanted to get back on track with modification not asking for them to give me my house for the bubble just allow us the mod so we can pay our mortgage again, add the penalties and fees dont care just want to be back on track and not in a state of depression anymore. shame on you wells fargo, what did you do with the money the government gave you to help people like us out.
In 2015 Wells Fargo began to implement a new procedure that will require home owners to go through the Re-entry department if previously been considered for a Modification. The re-entry department will analyze your hardship and financial situation in order to determine if your account is eligible to be re considered for a Wells Fargo Modification.
With the huge volume of accounts Wells Fargo receives from the Re-entry department that have been deemed eligible for reconsideration its very common for it to take up to 2 to 3 weeks just for the Relationship manager to get the file and review it for completion.
In our case not matter have many times we have submitted the complete requested documents package to the Re- Entry, we are being denied, by Wells Fargo Mortgage claiming due to the property negative Net Present Value (NPV) evaluation and that we did not provide all the required documents.. When we request a full appraisal and which documents are missing in writing, we are being told by Wells Fargo Mortgage employees, “We are not in Loan Modification Review therefore we don’t qualify for an appraisal to determine the correct NPV. It should be noted, numerous request for Wells [censored]ro Mortgage to provided us with how their arrived at the NPV have been ignored.This is a process the bank has implemented to make sure they can navigate around Dual Tracking Laws to deny a home owner from ever being consider for a Loan Modification and to unlawfully foreclose on home owners.It is therefore our contention as Home Owners Wells Fargo Mortgage is operating in bad faith to continue to lead us and other venerable home owners down the path of losing our homes, no matter how much we try to do the right thing by honestly working to save our homes from foreclosure by a Bank with a document history of out-right fraud and deception to its customers.
Yes, go to icansuemylender or whatever site you want and throw your money away … or send it to me and I'll put it in my fireplace to start a fire….same result either way….
Hi, just like to place a complaint as well, it being 3 years of wells fargo is really ennoying . Its abused for a customers who were with fargo for long time, . No help from wells [censored]o, what is the use to call in and ask for "hardship" my husband sufer a stroke, this is a big "hardship", I tried to modiy my house in 2009, 2010, 2011, 2012, 2013, Every year i was dragged for a year, all papers at my end was supplied to the bank for a modiciation. Noone never got back to me, when i was calling to the bank ask for a signed person, i come to know from other representaing not longer with the bank. What king of trick is that. Instead of help people with "hardship" Wells Fargo Bank puts you in more trouble. After which owners ends up in forclose status.
2013 i stard again wiht modiciation on the house thats what i was told. After fax all my document to the wells fargo, after was asign with some one by the name Marine Villarieal who was gathered all my info from me, stated it last 010314 friday everything is fine, all papers in, will be forwarded to underwriter, suddenly on monday 010514, called back to me by questioning me regarding my documents again, which was collecting document two month priour before forwarded them to underwriter, also had no manners to talk with the client. . I think its a big abuse towards people who alrealdy suffering "hardship" someone really needs to look in that matter. Irina Glelizer
There comes a time when you wonder why you try to be a good and faithful customer to a business. We have been great customers to Wells Fargo anent our home mortgage. In November of last year, my partner was laid off.
When January came round and the industry was not picking up, we thought we better contact Wells Fargo and let them know we might be having problems in a few months.
We contacted them and they told us to write a "hardship" letter and fax that along with all our financial information. We got it all together complete with a lovely spreadsheet with all our finance info laid out. Little did we know that the process would take over seven months! Then to our dismay and horror, they sent an overnight letter saying, "As we discussed..." Well, first off, "we" did not discuss anything! Their offer was to let us pay half our mortgage for three months then have a balloon payment of almost $8, 000.00. Then on the 4th month they "might" be able to do something for us. How the hell is that supposed to help?
I called them and said, "Hey, what's this? We have always been good customers who have been a payment ahead on the mortgage and you offer us this lousy deal?" They guy, "Derrick" went over our info and found that somehow they had lost my income information, and had my partners wrong. How, I'm not sure as over the seven months we faxed all the info at least 3 or 4 times! He said, "Don't worry, we can get the updated info to the "negotiator" and they can re-work this. It is clear you have a surplus money at the end of each month." (By the way - you will NEVER get to speak to the negotiator.)
I dutifully faxed my pay stubs to them within the next few days. A few weeks later, they contact me and let me know everything was going fine. HA! What a load of horse pucky! I found out on that call that they set up the lousy deal we told them not to do and would have been expecting $8, 000.00 in three months. They did this without a signed document to do so. I told them what had happened on the last call and even though they admit they made a mistake, they told me that since we "declined" their "offer" we had to start from the beginning all over again.
After seven freaking months of work! I was so angry I thought my head would explode like a frikin cartoon character! No matter what they would not budge and I would not be allowed to speak to the negotiator who worked on our loan modification request.
My solution: I am going to find others like me in the state of Maryland and we will, as a group contact not only our elected Representatives, but the Attorney General's office. If need be, this may turn into a class action law suit. I am so sick and tired of companies like Wells Fargo treating good customers like crap.
We have never missed a payment and we were always a payment ahead until they started delaying our process. Stay tuned for more on this. We will become Wells Fargo's nightmare.
We are good customers and we deserve to be treated better!
I've been trying for 3 months to know if I qualify for a loan modification with Wells Fargo and ever since I have been lied and cheated on.
The first time, I was denied because they supposedly never received a fax with the additional information they were looking for. I still have the confirmation page from Staples...
So, what I was told after this fiasco was to send the information by mail (which I did; registered) and call a couple of days later to make sure it was received. I did and I was told the information was received and that "they were working on my case". Two weeks later, I receive a letter saying "we are unable to adjust the terms of your mortgage" because "we have been unable to reach you to discuss your situation". BS! I was never contacted. No phone calls, e-mails or letter.
So I call again, pretty pissed off at that time. Same story: I need to pre-qualify again. I spent an hour to try to talk to the person's supervisor without success.
I'm trying again and I think this time I will call everyday to make sure that "they are working on my case".
Something is telling me I won't be successful but I'm unemployed, I will spend the time to bug them.
Bottom line, I got 6 mortgages with Wells. There won't be a 7th and I will make sure my family and friends know about their non-respectful and dishonest practices when it comes to helping people in distress.
I have been trying to get Wells Fargo to correct my loan modification papers for three months. I have sent countless emails to a John Stump. I did receive a response from Thomas Linderman who was unable to answer my questions. I am still receiving calls from the Wells Fargo Loss Mitigation department requesting that I send in the signed paperwork to finalize my loan modification. When the representative calls and I answer the call, they advise that they are on an automatic dialer and they can't see who they are calling or what is going on with the account until they are connected to the customer. This is ridiculous. I have repeatedly advised that the principal balance is wrong and broken it down in the simplest mathematical form and still I am getting no where. But in the meantime I am making monthly modified payments and my mortgage is being reported to the credit bureau as delinquent. This is a nightmare, had I known that this is the way Wells Fargo handles loan modifications I would have tried to refiance with another bank. WHAT A HORRIBLE EXPERIENCE!
We contacted Wells Fargo Home Mortgage on July 1, 2009 for assistance with our monthly mortgage payment. My wife, Jennifer, had just lost her job of six years when her real estate brokerage was forced to shut down, and we were facing financial hardship. We had forced to become a one income family, and our monthly medical expenses had drastically increased due to a recent Autism Spectrum Disorder diagnosis for our son. Although Jennifer had been granted Unemployment payments, her income was less then half of her normal salary, and we were struggling just to make ends meet. I am a police officer with Baltimore County, MD. I often could depend on additional income from secondary employment. However, with the struggling economy many of those secondary employment opportunities became few and far between. We were suddenly faced with the possibility of losing our home, that we had worked so hard to have. Over the past ten years we have been homeowners, we had NEVER been late or missed ANY payments. We had been doing some research on the programs available to homeowners that President Obama had developed, and decided to reach out for assistance. That is when we contacted our mortgage lender, Wells Fargo, and inquired about any available programs. It has always been our best intentions to work towards fixing the challenges we were faced with, and getting back on our feet as soon as possible. We simply didn't want to lose our home without trying everything possible.
We spoke with a Wells Fargo Representative who explained there was indeed programs that would help us with our sudden hardship. We were given instructions on starting the process of obtaining a “loan modification”. We were told this process could take 90-120 days, but most likely 45-60 days. We were told as long as we were in this program our credit would not be effected. We prepared all the necessary paperwork and documentation and faxed it to Wells Fargo. Shortly after submitting necessary documents we received a letter congratulating us on a reduction of monthly mortgage payments from just over $1700 to $862.41 for the next three months. When those three months had expired we contacted Wells Fargo and were told to keep making those same payments until our loan modification had been granted. This was just the beginning of our nightmare. After faxing documents, mailing letters, submitting income verifications, eleven months later, we just received notification that we do not qualify for a “loan modification”. We were told “investor guidelines” was the reason. Apparently, they believe our debt to income ration is too high. Isn't that ironic? That is exactly why we were asking for assistance in the first place! Wells Fargo has informed us we must pay $11, 914.61 in back mortgage payments by 6/15/2010, or face foreclosure. If we had $12, 000 sitting in an account, why would we have asked for assistance in the first place? How can Wells Fargo do this? We are now in worse shape then we were back in July 2009! Had we known that this sort of “baiting and switching” could happen, we would have sold our house a year ago! Not only do we now face foreclosure, our credit is destroyed, something that Wells Fargo said would be prevented by being in this program. We were in a bad place, and faced with providing medical necessities for our Autistic son, or a roof over his head! Wells Fargo did the exact opposite of what they said they would do. They took advantage of hard working homeowners who were trying everything in their power to make ends meet! According to our research online, Wells Fargo is taking advantage of millions of people. How can a bank that was given millions of dollars to help homeowners in our situation not be responsible for their actions? They are promising solutions and brainwashing you the entire time.
We, along with thousands of others, believe Wells Fargo is violating the TILA, Fair Debt and Collections Act, RICO, along with many other fraudulent activities. We need assistance in making sure Wells Fargo does not get away with causing so many families to lose their homes, while they sit back and collect their bonuses.
We have filed the same complaint with Wells Fargo, The Better Business Bureau, The Comptroller of The Currency, The Federal Reserve, and even forwarded a copy to President Obama himself. Please assist us with keeping our home and making sure Wells Fargo doesn't continue taking advantage of people who simply were strong enough at one of their weakest moments and asked for the only help they knew.
In a nutshell, we came to a loan modification agreement with Wells Fargo and agreed to have them automatically draft the first payment of our agreement on a specific date. During this time, we talked to a different customer service rep and they put us on a different loan mod program. However, Wells Fargo never deleted or voided the initial agreement, so we were charged for TWO mortgage payments in one day. It took several phone calls (we were hung up on during some of them) but we eventually straightened everything out. Unfortunately, 2 days later they sent another mortgage payment through! Every phone call has resulted in different answers from their reps and they don't seem to feel as if they need to resolve our situation immediately or that they've wronged us in any way. Our account is now overdrawn by $800 dollars and we've had to borrow money from friends and family to put food on the table and provide for our children. We're a middle-class working family that pays our bills, we pay our mortgage every month and we work hard for what little we have. This has caused undue stress and hardship on our family and if I was a different person, I would retain a lawyer and start a lawsuit. But I am choosing to take the higher ground and remain hopeful that WF takes responsibility for their actions with our situation.
Dear WFSUCKS-
I hope you don't mind but I borrowed your profile name as it is so appropriate for this situation! I felt like I was reading our story as I read what you and your wife are going through. My husband has been unemployeed for 2 years so we took all the same steps as you. Well long story short he was just turned down for an insruance agent's job as we found out that Wells Fargo has our mortgage in default on our credit report, not modification and what I was told by the Rep. I am so furious I could spit! I need to know who I can write letters to and who I can talk to and if any of your letters have done any good? I wish you the best!
WFSUCKS #2
misplacing money
I have 3 accounts with Wells Fargo and I had to change one of my accounts to another checking account, so I wouldn't have to have a minimum balance. When I did this the person at the bank connected my debit card to a savings account under my mom and my name, they acknolwledged mistake but it wasn't fixed. On top of that, the savings account keeps getting penalized for access spending, but the purchases were supposed to be taken out of checking. I have sat down with the bank manager and talked with him on the phone. He kept saying that he would take care of it and then he started dodging me (Warren Wolfe at the Naamans Road Wells Fargo in Delaware). Yesterday I saw on my account that ANOTHER charge was taken from the savings account. I called the district manager and was told that he would call me today (5/5/12). Still I have heard nothing. I plan on closing the accounts but I wanted to wait until my car insurance came out next week but I think I'm going to have to do something before then. I can't believe this is happening!
Because I got confirmation that it was fixed, then 3 days later it would start doing it again.
The complaint has been investigated and resolved to the customer’s satisfaction.
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