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.
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.
customer service
The problem with Wells Fargo Customer Service/Collection Rep occurred on 5/23/12. The rep was calling about a payment being made b/c the account just got 2 months behind. I told her a payment will be make tomorrow 5/24/12(which payment was made) and I will update her on the next payment. She then began to ask what got me behind. I told her the economy so she said if your working it has nothing to do with the economy. My phone was on red and going dead so the call disconnect. The rep called back after a few min I answered she said since you can't afford to make the payment I am putting your vehicle in for
repossession in a threatening manner because you are not making an arrangement. I stated I just told you that a payment will be made on 5/24/12 and I will update you with the next payment. She then said that is not an arrangement! Well now I'm confused. How dare a customer service rep act like this is their money I personal owe them. I asked to be contacted by a supervisor so we'll see if I have another complaint to go with this or a settlement. Not sure where they are being trained but it is definitely not the proper training. Everyone know GREAT customer service is the new wealth. Treat your with respect it goes along way.
The complaint has been investigated and resolved to the customer’s satisfaction.
When Wells Fargo was Wachovia I had set an automatic payment amount of $250 which was automatically deducted from my checking each month. I was always able to view this information clearly online, allowing me the option to modify that mount if necessary.
Not that they've switched, my online account information showed consistently that I only owed the minimum payment which was around $70. No where did it show that I was still slated to pay the $250 (that information really should be available online considering how much WF touts paperless transactions) Sure enough, however, they withdrew the $250 and my finances for the month were compromised.
I knew maybe I erred somewhere so gave the Wells Fargo Dealer Services customer service line a call; What a wretched departure from the normal Wells Fargo customer service I am used to.
I have been a WF customer for over a decade and the agent, "Darwin", made me feel like I was some kind of problem customer. Despite the fact that I was not at any time complaining, he made it clear I needed to be scolded about how I was the one who set the $250 amount when I signed the loan paperwork (tsk tsk.) It was totally unnecessary he be such a ### about it. I understand they must deal with a-holes all day long, but not all customers are dirt-bags. I for one felt really insulted. Had I been dealing with a bill-collector, OK, I get the attitude part, but this is a company I pay honest money to every month without fail.
To make a long story short he offered to cancel my auto pay for me. He put me on hold for a minute and came back to confirm he made the change. Throughout the whole conversation he was rushed and terse with me (again, I did not come off like a problem, not even remotely.) I then asked him if I would get an email confirmation of the cancellation, and he replied "Me send you an email? No. I did email the request though... Oh, and you need to send in a fax request." I am not sure he was even going to tell me this before. I asked him if there was a form I needed to fill out that I could find online, and he just said "No, just write something" and gave me the fax number.
Terrible customer service. Really disappointed.
These days companies like Wells Fargo should be even more cognoscente of good customer service, but the Dealer Services department of WF needs some attention.
Wells Fargo Dealer Services...What a joke! We have been attempting to make a payment on our truck loan for 2 months! we have not been able to get through on the phone to make the payment. Yesterday I get a letter in the mail saying that they wanted to make arrangements with us to surrender the truck because we didn't re-affirm the debt when I filed Chapter 7 bankruptcy 7 years ago! We did re-affirm the debt, I have a copy of the paper work in hand and am currently 35 minutes into hold time to talk to someone to shove this letter down their neck! this truck will be paid off in 2 months and I am not going to let them screw us.
In addition to this issue we moved all of our personal accounts out of Wells Fargo bank becuase of very poor customer service, and outrageous fees. Lets all watch as Wells Fargo goes Belly up! I also have called my Bankruptcy attorney, personal attorney, and filed a complaint with the State Attorney generals office.
Sorry but I informed WFDS that my last payment would be late and told when I could make this payment. Transferred to different department. Went through same hassle. Transferred to a different department. Was told that if I did not pay the vehicle on the last payment date that I would suffer the consequences. We are talking of the last payment. Ugly, Ugly people. Old, retired, on SS only and have a sick mate but I got this far to be condemned in this fashion. Granddaughter is buying new car and I told her if it was Wells Fargo financing to run and run fast. Granny N.
Ha, "the economy." They probably wanted to know if that meant your hours got cut at work, or if you're getting less tips, stuff like that. But they're not going to take a vague arrangement that includes an "I'll call you back."
Still, that rep should not have threatened a repo, they could get in trouble for doing that. The higher-ups are the only ones with that authority, and you'll probably never talk to someone that high up on the phone.
Descartes, I do agree with you. But sometimes things do come up in life-as the compllaint I posted about the CS issues I had. My husband had a complete knee replacment and we got behind. Things did work out but you just dont need the CS treating you in that matter ESP. if your falling on hard times.
It's sad that in America the suicde rate is terrible high due to the economy-My heart goes out to the familys that have to deal with loss andt ragedy. It must be really hard for them.
Have a ood evening.
Pam¤
I have had the exact same situation with them...they strongarm people and threaten.
Well gatortracks you have a lot to say/comment about to people that have issues with Wells Fargo or any bank issues. So it sure does seem like your associated with a bank!
Sure they have never called you because you still live with your parents, for free! So when you live for free you can pay this bank and when you have a problem or anything that the rest of us have had to endure and were late or just cant make that months payment mommy or daddy will cover it for you. The rest of us don't have that luxury of living with our parents. We live in the real world-in the USA! Wake up and smell that Camel!
gatortracks They never threatened you, Wells fargo, because you work for them!
I had them for my loan im so glad im done with them and yes they threaten me so many times even down to the last payment!
totally agree with you, ridiculous amount of APR%. one thing thats comes to mind is the auto deduct payments, i thought about it but til i read the fine print that it would cost extra to have it done so i stuck with the send this amount b4 this due date :)
deposits
My direct deposits are made through my company on fridays at 12am. Wells Fargo will hold that deposit until late that day and allow debits to go through first before crediting my account with my direct deposit. This in turn can sometimes cause overdrafts and fees charged to my account even when the funds are there. I call and ask and they say that the...
Read full complaint and 11 commentscode of ethics violations
I was sent through a three week training program in my first month of employment with Wells Fargo. Our trainer explained in detail what illegal gaming was and to avoid such activity. In the upcoming weeks/months, I heard complaint after complaint from customers about Bankers selling products to them without their knowledge. These customers would come in to...
Read full complaint and 2 commentsvehicle value correction request
Issue began in early January 2012 when we received our first vehicle registration bill from DMV with amount due of $1, 181.00 by April 8, 2012. We assumed it was an honest error by DMV so we called but we couldn't seem to explain the issue over the phone so we went in the local office. Here is where we were told that the amount due is correct because our vehicle was valued at +$184, 000.00 at time of purchase which is completely incorrect as our paperwork from dealer shows the actual value agreed to pay. We were then instructed by DMV that we had to contact the finance company and have them correct the error. On January 27, 2012 we faxed a "Title Correction Request" letter to Wells Fargo Dealer Services along with dealer contract showing actual vehicle value (per Wells Fargo instructions) and confirmed fax received on their end. April deadline was quickly approaching and we had not received corrected registration or anything indicating action was taken or requesting further information. On March 27, 2012 we went into local DMV office to pay registration but we were asked to pay $1, 181.00 again so we explained our situation again and the clerk came up with a figure of $207.00 which we paid meanwhile this issue was resolved. After our March 27, 2012 DMV visit, we called Wells Fargo and were assured paperwork requested had been sent to DMV since January 30, 2012. We assumed DMV was still processing correction and decided to wait a little longer and hope to see registration in the mail soon. April deadline passed and we still had not received new paid registration for 2012 so we began making calls to DMV until we reached DMV HQ in Sacramento, CA where they claimed nothing had been faxed or received from Wells Fargo regarding our vehicle plate number. DMV HQ suggested that we call Wells Fargo and have them fax documentation again to their direct fax line which we confirmed. We realized we were getting nowhere which is when we began writing names down. On Thursday April 12, 2012 we spoke with Darlene at Wells Fargo and in a condescending tone she exclaimed she had told us numerous times that our request is handled within 3 business days and to call back until then (as if little over 2 months hadn't been enough time). Not satisfied with Darlene's answer we decided to call again same day and spoke with Christina. She then reaffirmed documents had been sent to DMV since January 30, 2012 but she would email their DMV section since they were gone for the day and instruct them to re-fax paperwork to DMV HQ direct fax line (as provided by DMV HQ themselves) first thing Friday morning. On Friday April 13, 2012 at 3:01pm we spoke to Sherry at Wells Fargo and she confirmed fax had been sent to DMV HQ. We called DMV HQ and spoke with Marie and she said they had been waiting all day for something from Wells Fargo and again nothing had been received. We then decided to call Wells Fargo and figure what the issue was behind the faxes not going thru while simultaneously having both entities on the phone. Paul from Wells Fargo answered our call at 3:30pm and Marie from DMV HQ confirmed to Paul that nothing had been received from them and asked Paul to repeat the address documents were sent to which Marie stated was incorrect and then proceeded to give Paul the correct mailing address along with the direct fax number which Paul confirmed that he had made a note of it but sounded distracted as he simply answered everything Marie said with a cynical "yeah, I got it" as to get done with the phone call to get ready to go home for the day or something like that. This would have been the last of the phone calls to resolve the issue of documentation not being received by DMV HQ but because of Paul's unprofessionalism we wanted to make sure the correct address and fax number for DMV HQ was properly noted. So we called back Wells Fargo at 3:50pm and Chris answered and again we had to explain the entire story to him so to avoid further frustration we asked to speak with their manager/supervisor, after a brief hold Tamika picked up the phone call and identified herself as the Supervisor so we continued to explained the issue once again and we expressed we just wanted to make sure that Paul had noted the correct information for DMV HQ but Tamika stated that there weren't any notes made on our file so far regarding any requests of any type for them to re-fax the documentation requested by DMV HQ and repeated the same incorrect address Paul had stated initially. We then gave Tamika the correct address and had her repeat it back to us to verify that she had actually written it down this time. We also expressed to Tamika that this entire issue has been handled completely unprofessionally by them as we are having to baby sit every step to resolve this issue when we feel they should be the ones who should be proactively trying to resolve this issue since they were the ones who valued our vehicle incorrectly. We called DMV HQ on May 8, 2012 at 9:40am and spoke to Bobbi but unfortunately Marie was on vacation but had not seen any action taken on our vehicle registration so she sent us a temporary permit until Marie got back from vacation. We haven't bothered calling Wells Fargo back until we confirm with Marie at DMV HQ first but we dread that nothing has been received from Wells Fargo and will not know how else to get Wells Fargo to cooperate in resolving this longing issue.
I will never do any business with wells fargo ever again
I will NEVER do any business with Wells Fargo EVER again. They are the rudest bunch of unpleasant people I have ever had the displeasure of dealing with. They are very snotty, over bearing and short tempered. The representatives act as though I am the person who owes them money personally. It is SO unnecessary to behave so callously. What’s worse is that clearly WF enables this behavior. Oh and the obsessive phone calls? WOW…
I purposely changed my phone number and they managed to call me at work, my new job that I didn’t give the number out to anyone. I have told them repeatedly to not call me at work and they say the same thing: “Well that’s not in the notes of your account” Interesting how NONE of the people I talk to are able to be found and there aren’t ever notes in my account. Just because I owe money doesn’t mean I deserve to be talked to so rudely.
One time, very calmly I finally just asked the girl why she was being SO rude to me. It was really unnecessary to talk to me as she was. She had the nerve to say WHILE talking over me that that was my opinion and she can say what ever she wants. ARE YOU SERIOUS! This is the worse company ever. I will always be the person to talk negatively about them and have encouraged many of my friends and family to not do business with them.
I agree Wells Fargo does not want to work with people who are having money problems. I had my hours cut at work due to the recession and also had a lot of medical bills I called Wells Fargo Dealer Services and explained my situation of why I could not make the payment on my car at the time and the woman I talked to was very rude and snotty. They would not refinance me or defer my payments until I could get back on my feet. They are crooks!
they are very rude and unprofessional
I received a notice that my account was past due. I checked my bank account and saw that all recent payments have been sent and deducted from my account. I checked my wells fargo account online and realized that a payment sent from my bank had never been credited to my auto loan account. I sent an inquiry to my bank. They tried to contact wells fargo but were refused. I then called wells fargo to see why they would not talk to my bank. They said I had to have my bank research on their end. I explained that a part of the banks process was to contact the receiving vendor to verify non receipt of the funds.
They then told me that I could only make a payment to bring the account back current and suggested that I make all future payments to their website directly. I replied that I would make my payments how I chose and asked to speak to someone who had the authority to authorize wells fargo to speak with my bank. He then hung up on me. They are very rude and unprofessional. The worst part is that it seems to be a company wide problem as opposed to an isolated incident. Never again!
I am dealing with the same thing right now. They lost my payment. I have proof from my bank that my payment was made, but for some reason that isn't good enough. They said until they know where the money is they aren't crediting my account. I figured out that the payments was made to an old account ( Wells Fargo Bank ) they are now "Wells Fargo Dealer Services". They said they can't get into that account so there is no way of knowing for sure that is where the money is, even though my bank (US Bank ) has told them that is the account they paid it to. In the mean time I am one month behind and the late fees are stacking up with interest. They has been going on since Jan. of this year. I don't know how this is even legal?
loan modification scam through wells fargo
I got a loan modification through Wells Fargo one year ago. It was interest rate reduction that was only good for 4 years and then it would begin to go up again. Although it was not a fun year of me sending info and complying with every thing they asked for, I was very grateful to have received their blessing with a loan modification. I’m a little underwater with our mortgage now and I called Wells Fargo in October 2011 and inquired about REFINANCING and what I need to do to make that happen. They told me that I could apply for another loan modification if I wanted to. I was surprised but I said I’d like to do that.
When I spoke to the woman that had been assigned to my case I told her that I already had one loan mod and I was happily surprised that I was qualified to apply again. I spoke to this woman at least 15 times since October and sent every bit of documentation that they asked me to submit. Finally, today she called asking for some 1099 forms from last year and I asked her if she received the last fax I sent her. When she returns to the phone she told me that the underwriter just informed her that my investor will only give ONE loan modification for the life of the loan. My contention is that Wells Fargo should not have suggested to me that I could apply for a second loan mod if I could never get it.
I wasted over four months of my time and a small amount of money in hiring an online fax company to deliver all the useless paperwork that I submitted. I spent a lot of time and effort to give them each thing that they had required of me. It took a lot of time to keep up with all the requests that I got from them. She was always pleasant, as was I during the whole useless process. But I certainly “lost it” with her and her supervisor at this point today. I’m so angry at that ###ing Wells Fargo now. This is the third property I’ve bought through them. They now inform me that it’s NOT Wells Fargo that has loaned me the money, it’s some other company and they weren’t aware of their particular policies concerning a second loan mod.
I NEVER called them inquiring about a 2nd loan modification. THEY are the ones that suggested it and took me completely off course only to find out months later that I was never entitled to a 2nd loan modification. Do you have any suggestions for me ?
I don't see the scam. Did they take any money from you during this process? What was the scam?
wells fargo problems cashing a check
I live in Bakersfield Ca. and was at the Wells Fargo on Panama Lane today. I was depositing monies for my business account. The teller must have been new and I asked for 12 one dollar bills and the rest was to be deposited with my deposit I presented. I do not know what it was but she couldn’t understand exactly what I wanted. Why I do not know. After getting that straightened out I had a check to be used to pay for my Wells Fargo credit card.
She would not just pay off the amount owed on it but needed to use the whole check which was only an amount of 30.00 over. What was the problem? I told her to just cash the check and I would then pay the bill and she then said she could not take the cash back. I have been doing business in this small branch for over 5 years and all of a sudden I see a big turnover of tellers. I just told her to return my check and I would go. I have over $16, 000.00 in that bank and they can not cash a $139.00 check. Please.
I now know why I do not have my personal checking there. I will soon be taking my business account to Tri-County Bank. You need to take a good look at their practices.
release insurance check so I can get my home fixed.
After a hail storm 28 April 2012 insurance company cut a check to me and wells fargo. Now I am trying to get them to sign over check so I can begin repairs on my home. 3 times to date they require more paperwork and tell me this is all they need. I requested a written document of what they require. They say they have nothing. I am tired of the song and dance, I just want to get my house fixed. Does anyone know who I can contact to report this to and get help collecting my money so I can start repairs? I can't afford a lawyer. After looking at BBB website, I can't see them being much help other than another place to vent.
I have had the same problem.. I have completed all the work, had there final inspection signed off at 100% and they still will not release my final funds. Who can help?
I'm having the same problem with them, first floor of my house got flooded, the Insurance sent me an emergency check so i can i can replace boiler and water heater. Wells fargo property loss Division kept my check hostage, now i have "NO HOT WATER, NO HEAT, CAN'T EVEN LIVE IN THE HOUSE" they talk 14 business day before they send me half of the money, meanwhile i dont have a place to live. I was wondering if they is some kind of legal action i can take?
Is there anyway I can get that manager's number? I'm facing the same nightmare with WF. I've talked to so many different people and they all say something different.
WE had the SAME issue. We flood damage due to Hurricane Irene and it took loads of paper work and months of work to have our insurance check released by Wells Fargo. I had no choice but to use credit cards to complete the repairs from the damage done to my home, After all the paper work we finally got the check and the name was MISSPELLED! Yes, they obviously did not check their paperwork and now I have to have a new check reissued to the correct name..how long do you think that will take?
Hopefully you have the situation with Wells Fargo completed. If you don't, this was our situation with WF. We had a backup from the main line sewage in January of 2012. We had a similar run around with WF for several months. At one point we were calling and faxing daily to try to get our money released so that we could pay our contractors (who were getting anxious to receive their pay). Finally, I stayed on hold for an hour with their stop loss department so that I could speak to a manager. After this ridiculous wait, I explained our situation to the manager and received her phone number. This was very helpful, because instead of speaking to so many different people about our situation, we had one contact. The manager found that everything had been turned in properly, and we received our check endorsed to my husband and myself a week later. Hope this is helpful, we know how frustrating it can be.
automated phone calls
Wells Fargo Home Morgage Collection Department has called me on the following dates & time: 5/[protected]@9:16AM, 5/[protected]@6:17PM, 5/10 9:07AM, 5/[protected]@5:37PM and 5/[protected]@9:31AM. I have answered the phone each time Wells Fargo has called (because we are in forclosure). I have been disconnected every time Wells Fargo has called. Wells Fargo is wasting my time and theirs be using an automated dialing system that DOES NOT work. I brought this to their attention since September, 2011 and they have continued to call and disconnect me upon answering. Now the real issue. We have been working with Wells Fargo since 09/2011 for a loan modification. This is a joke on the consumer. "They" faxed (from their local bank office) 105 pages of my documentation and did not turn over the documents to fax the opposite side. "They" faxed these documents to their Loan Modification Department three (3) times and Wells Fargo still did NOT receive all the documents I had submitted. Obviously our loan modification process had "expired" and we are still facing foreclosure. I was assigned a "Loan Modification Officer" as my official contact. After numerous calls from me in October, November, December, January, February, March, April and May, she still has not been able to help us in saving our home. Here's the final rub. Wachovia Mortgage got bailed out from this toxic loan, World Savings Bank got bailed out from this toxic loan and Wells Fargo on February 2, 2012 got bailed out from this toxic loan. In reality, all three were paid for servicing my toxic (Pick-A-Pay) loan and I'm still losing my home. Go figure!
bank ėrror by wells fargo checking
A Wells Fargo customer (not ME) deposited 3 checks into the bank (I did not write the checks or try to deposit them. This was just 2 other people, the teller wrote the wrong account # on slip & deposited the 3 checks into my account by mistake. I called after having found the error MYSELF, and they promptly withdrew the deposit. After a few days I received a letter that there were insufficient funds from one of the checks, so they withdrew it out of my account. I called for 5 days and got nowhere.
Meanwhile my Mortage was due. They finally Wells Fargo me to GOTO the BANK and return the letter that i received in the mail stating that there was insufficient funds. After they finally cleared it up, I got another letter saying the same thing and sure enough the amount was withdrew once again. I have had to spend about 8 hours total & 1 lunch hour going to the bank or being on the phone with Wells Fargo. From the tellers to the EXECUTIVE CUSTOMER CARE dept, no one could ever solve my problems.
After causing a scene at a bank branch I was told that they would temp put the money back in my account until the research could be completed. Its the least they could have done. So now I wait for MY FN money and have to eat the 8 hours plus that I spent fixing Wells Fargo error. I don’t work for Wells Fargo so how do I get compensated for that time? or who do I talk to to get someone fired.
I have been in the process of moving all of our banking out of Wells Fargo simply because I believe they are an overly huge corporation that has lost all site of “good” business and todays economy. Every time I turned around there was a new fee for something, they changed my checking account and now unless I meet this criteria I have a charge! I have never dealt with a company where you can talk to three different people and you consistently get three different answers.
I just paid off a HUGE amount of money was told everything was good so I closed my checking which was my link to all the other items. Come to find out today that they want $7.73 more on one of the loans but nobody could seem to figure that out the day we gave them the check.
harassing phone calls on current loan
Over the life of the mortgage loan two payments were made several weeks late. Since then all payments have been made during the 15 day grace period and the loan is current . But every month we get 6 to 10 phone calls between the 1st of the month and 15th telling us we are past due. Every month the payment is made on time. I have called and complained and told the calls would be stopped. Nothing but lies. In fact i received two calls today. I have already closed all my other accounts with this bank and recommend no one every do business with them again. They are TOO BIG TO FAIL AND TO STUPID TO STAY IN BUSINESS.
double charged my bank account
I called customer service at approx 5:00 pm on 11/8/2011 and spoke to a “steve” as he refused to give me his last name I cannot provide it here. I explained that my account had been charged doubly for my monthly car payment as well as a couple of other credit card payments. I asked how this occured. He explaine that it was my fault in some detail. I explained what had occured when I was asked to go in and verify my bill pay set up when the switchover occured from Wachovia to Wells Fargo.
I explained that the dates were detailed on the page showing when a guarantor would receive payment based on my send date. I adjusted the dates to take into that account so I wouldn’t be late on my payments. Therefore I ended up double paying on my bills. I asked him why he hadn’t explained this step when he “told” me what I had actually done. He told me “rather impertantly” that it was a manual modification that I chose to do. I explained that based on what I was seeing on the screen and the dates being displayed that I didn’t think I had a choice.
He was rude and condescending in his tone and his manner. I explained that I would like his name and I wanted to close out my accounts if I couldn’t count on WF not to double charge me. He refused to give me his name at all and told me the call was being recorded. I said “good – then you should understand good customer service and that is when a customer ask you something such as your name or to speak to your supervisor that you should comply”.
He continued to run around in circles telling me that he would explain and answer my question … I said ok .. what is your name … this went on for some time and to no avail. He finally buckled and told me his name was Steve … again I asked for his last name and/or his supervisor. He continued to circle around the question and was extremely rude. He finally told me he would get a supervisor … that took quite a bit of time. A gentlemen came on and in a very deep tone said … something to the effect of … “yes … can I help you”.
I began to explain about the bill pay miss understanding and got only a couple of sentences in and I was cut off. The loud beeping in my ear was the signal that your organization has some very poor customer service. So this “Steve” was incredibly rude … I truly believe that the supervisor “whom did not give a name” was a fake. I will be taking my business elsewhere as soon as I can. I am very disappointed in your organization and most importantly in your shoddy customer service.
Worse customer service
home preservation help
We've been trying to get help from a " Home Preservation Specialist" for over 2 months. We sent in an application which we found out was NEVER filed. The woman assigned to us (Latoya Freeman) never returned our phone calls. We've called them numerous times and have talked to a different person each time. We've now been put into FORECLOSURE status while...
Read full complaint and 6 commentsmisrepresentarion
At one time I had 7 accounts with "Hells Fargo". If I missed a payment I would receive numerous calls often within the same day. They would tell me how they hadn't received a payment in 2-3 months. My wife does the bookkeeping and when I toldh her, she would show just a payment was missed not numerous as they complained. I have paid off all but 2of my accounts. In 2006 I refinanced my house in hope of getting away from "Hell's Fargo" I got them again with 9% interest rate. Recently I was medically retired. My wife tried to deal with them, however the lies continued. She was told to skip a payment then we would qualify for a loan modification . "Hells Fargo" then reniged on what they had promised.and then said that the payment would be dealt with at the end of the loan We caught up with the payments, however now they are misplacing my payments. This bank is not too big to fail, as it needs to.
The complaint has been investigated and resolved to the customer’s satisfaction.
line of credit fee
I continue to be charged for LINE OF CREDIT...called Wells Fargo was told...they could not remove my line of credit, I had signed a contract with them when I opened my account...WRONG...my original account was with Wachovia which Wells Fargo took over a couple of years ago.
This is wrong...I have never used my line of Credit in the 19 years that I had an account with Wachovia now Wells Fargo. Guess we all need to put our monies in a Jar and bury in the backyard!
The complaint has been investigated and resolved to the customer’s satisfaction.
Yes! This happened to me as well - accounts set up in 1983 (First Union?). After the Wells Fargo transition, I have attempted to close the account numerous times and they are still assessing annual fees. The "ghost" credit line account is not visible on my on-line statements nor do I have a credit card, yet I owe them $105.99 for the past 4 years. I have written documentation of these requests and it is like talking to a wall. I am preparing to move my business elsewhere, but wondering if this is intent / fraudulent.
atm's not dispursing money
I go every weeks to get my money off of my unemployment card at the wells fargo atm cause there is no fee since they are issued by wells fargo. This is the second time I went to go get the money and the atm did not disperse the money to me. The last time the atm realized that I did not get the money and it credited the money back to my card. This time it time the atm tried to disperse the money and it did not but it gave me a receipt saying that the machine gave me the money. So I go and talk to the counter at wells fargo and they say we don't service our atm so you need to call this 800 number to wells fargo. I called the number right after it happened and they transferred me to someone that took all of the information about the atm and the receipt that it gave me said that they hop to have it resolved and credited back within 24-48 hrs but they said if I were you I would call the unemployment card and file a claim there too so that we (Meaning well';s fargo) get the issue from two ends and hopefully gets resolved quicker. The next day I called the number back to check the status and they are telling me that they can not do anything for me that I have to file a complaint through the unemployment card since I do not have an account with wells fargo they cant help me. Even though the cards are issued through wells fargo they cant help me cause I don't have a personal account with them. This company is so jacked it insane. I would never open an account with wells fargo and will make sure that I spread the news that I would never recommend opening an account at well fargo...
The complaint has been investigated and resolved to the customer’s satisfaction.
title to car not revived
I payed off my vehicle over 2 months ago. I called almost 3 weeks ago to find out where my title was . At that point I was informed that it was mailed, but had been returned to them and the had mailed it out again. I asked them to verify the address it was sent to. They had it correct, so I was told to wait 10 business days for it to arrive. Today I called them back and I was told that they no longer have the title and now I have to wait 3 days for them to send me a letter with a seal on it. Then it will be 10 days for it to travel through the mail. I asked if I could have it mailed to a bank branch and was informed that they could send it, but I had to contact the bank to make arrangements for someone thee to hold it for me, so I declined the offe. They never contacted me when the mail was returned to them, and they do not send these out with any sort of tracking number, just regular mail. So, when it gets lost, it's YOUR problem! Terrible and irresponsible customer sevice!
Whythelongfaces-They can control the mail, it's called a tracking number. They're just too cheap to use one. The bank will not deal with this because the are "two separate entities". The state DMV will not accept the payoff papers, so I have to wait another three weeks for a special letter with a seal on it to be mailed to me.
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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