Wells Fargo review: loan refinance 380

They are doing it again! The judgement of 2009 did nothing but encourage them to find other ways to scam their customers. They are posting THEIR debits to my account BEFORE posting my deposit of the day before. The website access does NOT accurately reflect what's REALLY going on internally, and you will not realize it until the following day. They are manipulating the posting of debits/credits to their benefit...and unfairly so. I have not had one person (and I have climbed the chain!) clearly explain their accounting system. And their CEO John Stumpf will NOT allow his customers access to communicating with him either! How proud he must be.

I ran into some financial problems with my car loan after four month i was able to make a payment before the loan went into default. So i made a payment on a Monday and made a verbal agreement with the representative to set up payment arrangements, so she said she would contact me on Wednesday. Wednesday came no call, so i called her and left a message. Thursday came no call, called her no answer. All along I'm thinking I'm ok were going to get back on track with payments. Finally Monday comes and she called me, we set up a payment date now I'm really thinking it's going to be ok because we made a verbal agreement. That same night they repoed my car. Now why would this lady call and make arrangements for future payments and repo my car still. Well the repo man informed me that the order for repossession was put in the Friday, why did she call me on Monday for payment?When i called the next day and spoke to her supervisor he informed me that he was the one that denied our payment arrangements. Once again, why did they call me on Monday for a payment and the order for repossession was already put in?When i called to speak to her for my own peace of mind she supposedly was not aware of the repo and doesn't know why our arrangement was denied. During the conversation she said that they are not suppose to let the people know about the repo because people try to hide the cars. So the call made to me on Monday was just to throw me off and catch me of guard thinking everything was going to be ok and i was going to be able to keep my car and continue with my monthly payments?They are a bunch of deceiving workers as if you owed them the money!

The Wells Fargo, Casa Grande, AZ (Florence Blvd) is one of the worst banks in America. They have serious issues and I would use caution when banking here. Just a few things to mention off the top of my head.

1) Went to the drive through this morning, which opens at 9. At 9:15, there were about 6 cars waiting, when finally one employee deciced it was time to start working. The bank opens at 9. This is something that I realize is minor, but is very typical of this location. How hard is it to open on time? How hard is it to say, I apologize for the wait?

2) I deposited a specific amount of money. I triple checked, even wrote it down and used a calculator to verify the amount. The teller then tells me I am 10 dollars short. I explained to her that was not possible, and the money was there. She began to get upset, and asked if I was accusing her of stealing the money. Instead of an argument, I told her to forget it so I could move on and take the 10 dollar loss. The employee was very upset. Once I arrived home, I realized she did not give me my credit card back. I made 7 attempts to contact the bank, but funny enough, nobody was answering the phone. I contacted Wells Fargo customer service, who was very kind and friendly to me. I explained the situation and told them I could not get ahold of the bank. I just wanted my card back, no questions asked. Customer service put me on hold while they attempted to contact the bank. Customer service finally got ahold of the bank and told me, "Wow, you were not kidding about that bank, they are disorganized." THe service rep was literally in shock after speaking to this bank.

Later in the week, I noticed 57 dollars had been REMOVED from my checking account by Wells Fargo. I later discovered, they claim there was an error, and they deposited the incorrect amount of money (this is not true, because one of the specific checks was 57 dollars). Funny enough, the 57 dollar check that somehow dissapeared was actually a check from Wells Fargo to me for a credit I had in Escrow.

Contacted customer service once again and they said Wells should not have taken the money out without notifying me. So, they actually deposited the money again in my account, and informed me the fraud dept would contact me. I never heard from them ever again.

Then, the bank assistant manager called me regarding another issue. She was completely rude and unprofessional. She told me, "I must come to the bank immediately because I did not give them my fingerprint for their notary log." I said, I was never asked for a fingerprint, because if I was, I would certainly provide it in the notary log, no problem. She continued to tell me I must go to the bank, in which I responded that I would not, because I am leaving the country for 2 weeks. I advised her I could do it when I returned, and this was her mistake, not mine. I never heard from her again about this issue.

Wells Fargo Casa Grande went through several changes in the past couple years. At one point, a new manager took over the store and it somewhat improved, but she transferred to a Phoenix location and it went back down hill. It feels like kids are running this bank. It's disorganized, understaffed, and many (not all) of the tellers are unprofessional and rude.

I have never seen the same teller twice, which is strange. This bank needs some serious help, and I advise you to use caution when banking here.

I moved from the US to the UK in October of 2009. My mover had said that they contract with Wells Fargo to provide maritime insurance for their company. I completed and returned the paperwork the same day as received. The movers arrived, packed my goods and despite my concerns regarding how they were packing my designer furniture, assured me that it would be packed in wooden crates as the fellow who had provided the initial quote for the move had stated. I had asked the movers about protecting the corners instead of just wrapping them in bubble wrap, but was told this would not be necessary. 3 months later, my furniture arrived in the UK, DAMAGED, precisely where I had thought it would be when packaged.

6 months after my claim was filed, they finally sent an adjuster to inspect the damages. A month later, I received a settlement proposal, which was less than 1/3 of what the replacement value of my furniture is. I am insulted. I paid to insure that my goods would be well looked after and paid the insurance fee without complaint. I am furious that Wells Fargo and their representative, JOHANNA SCHMIDT, can not seem to offer better customer service and have not fulfilled their obligation.

Should anyone wish to see images or have questions, I will happily provide verification.

I was denied a HARP refinance loan with excellent credit because I didn't have a landline telephone, and cable TV! I explained I used only a smart phone for all communications, and used local reception for my television. I was still denied!
Wells Fargo also has the weakest dispute service for their credit card holders!
Have cancelled my credit card account and will never do business with this bank again!

Wells Fargo avertises a BillPay guarantee and cover any fees incurred. Quite the opposite, I was informed by them that if a check is mailed, they are not responsible for it. Well, I had a check not received and they said nothing they can do, I can do a stop payment on it and handle it myself. I was also informed that if I filed a request to have Wells Fargo handle the fees incurred, she has never seen one approved so it would be a waste of my time.

I went to bank of Wells Fargo in Anderson today and I wanted to get cash from my account but about one hour they asked me some questions and they said that these are for the security! But now I am asking why do not you ask me anything when I want to deposit the money in your bank? I did not want to steal my money! but they stole my time!

I want to complaint about the poor judgment and bad treatment received by Racine N. Flores Personal Banker NMLSR ID:820549 from the 120 W Nolana, McAllen, TX 820549 branch.

She doesn't have the first notion of what it means customer service. It is a shame that people like her has contact with the customer.

I have seven account with you including two business accounts. I ask her to notarize some paper for my company and she declined to do notarize one because it was for my partner who was there but did not had a Well Fargo account. If she thinks that my partner was moved to open an account in your bank she doesn’t have the slightest idea of the reaction she created. On the contrary if she had comply she would have created the opinion that the bank was a friendly one.

I am really disappointed and very insulted on the way I was treated.

The following is from your Vision and Values. Maybe she should read it again.

“Every Wells Fargo team member has one thing in common. We all work for the customer. Every day, our customers say to us, “Know me. Know who I am. Know what I need. When I come into the bank or go online or use your phone bank or ATM, have all my information there about my accounts. Don’t ask me the same questions over and over about information you already have. Don’t transfer me to someone else who might do the same thing.” They say, “Understand me. Understand what I want to accomplish, understand my goals.” They say, “Appreciate me and all the business I bring you. Treat me like a friend. Thank me. Reward me. If I give you more of my business, then give me a better deal and keep up your great service.” Everything we need to know about a customer must be available easily, accurately and securely, as fast as the best internet search engine”.

Wells Fargo did nothing to help us during the loan modification process! Loss of Income led us to a re-finance then re-payment which cost us dearly. Our original mortgage was $170, 00.00..we have been paying approx. 1, 200.00 a month for 8 years. Wells Fargo offered us a new 30 year mortgage with payments of 1, 500.00 a month. Now we are looking at a mortgage of approx. $210, 000.00. We lost the $30, 000.00 we put into the house plus the payments of approx $115, 000.00, and are starting all over with a 30 year mortgage. They are protected because of PMI we pay with our loan. Is there anything we can do? I thought the government was putting an end the crooked dealings of these mortgage companies.

I am employed with another financial institution. There are some special cases that require FHA servicing is needed between financial instutitions.
I am needing to change (transfer) an FHA case number from their bank to ours. They need to make available with their own customer service contacts, the name and/or number of the person or department that handles this task.
The customer service representatives are clueless as to how to service an individual from another institution, like me.
I am Lyn Quick, 53Mortgage, Ohio lyn.quick@53.com.

Wells Fargo was forclosing on my apartment building. They assigned a receiver to collect the rents who let boiler break causing no heat and water pipes busted. Then Wells Fargo got a judgement for the amount of the mortgage, returned the property to me because they caused numerous city code violations but are holding on to the mortgage to forclose later. Now my husbands pay check is being garnished for the mortgage judgement yet Wells Fargo is charging the mortgage late fees and not appling any money to it. I have searched for an attorney who can help, and can't find one with experience if anyone can help me I'm at pokeypokey3@comcast.net

Wells Fargo Modification program is a complete joke, there people are the most do-nothing customer service you will ever witnessed. We had never missed a payment or been late since 2002 when we entered the Home Affordabilty Program due to a job loss with reduced payment instructions from Wells Fargo and 6 months later we get a letter saying we are suddenly facing fourclosure, we thought we were in review. We had never recieved one piece of correspondance from Wells Fargo and spoke to them every two weeks re-submitting documentaion we sent two earlier over and over again. Trying to get and update that never changed from "Its being reviewed" by a bunch of pathetic idiots! These people can't spell loan mod.

In my humble opinion this program is desingnd to put you into fourclosure so the banks can sell your property at a loss only to be re-embursed buy the federal goverment. The Federal Government now owns more than 70% of all the home morgages in the USA since there take over of Freddie & Fannie. This program is nothing short of scam, don't get suck in! There is much more to the story you wouldn't believe.

On 3/22/10 our payment was due for our truck through Wells. On 3/29 we traded it. Wells Fargo will not stop calling us because they haven't gotten the payment from Honda yet. I could understand their calls if it was 30 days late, but it's not. I will pay it before it goes 30 days late. Everytime they call we tell them the situation and everytime they say they have no record of the truck being traded. Here is a breakdown of all of their calls the my caller ID still has logged.
4/5/2010 - 8:28a - 10:52a
4/6/2010 - 8:28a - 9:45a - 10:58a - 12:29p - 6:30p
4/8/2010(EASTER) - 8:18a - 11:25a - 12:19p - 4:27p - 7:34p
4/9/2010 - 8:22a - 9:45a - 10:58a - 12:29p - 6:30p
4/10/2010 - 8:37a - 10"37a - 12:49p (and the day isn't over yet)
I filed a complaint with the FTC. This is ridiculous. I'll NEVER do business with Wells Fargo again.

On 10/18/2012 I deposited a check with the teller for $260.06. A week later when I looked at my account online I noticed that they deposited $260.00 and not the correct amount of $260.06. On 10/25/2012 I went to the bank and showed them the stud from the check and told them they deposited the wrong amount and they owed me $.06. On 10/26/2012 the $.06 was deposited into my account. I received a letter from Wells Fargo dated November 7, 2012 stating that they had no record and after an extreme search they could find no check for $260.00. They said I was to send them copies of the checks. I went to the bank to try to explain that there was no check for $260.00. It was for $260.06 and that it was their teller's error and that they need to clear it up. They demanded that I call Kaiser. The check was from Kaiser for over payment of medical and get copies to give to the bank. I refused because it was the banks error. I had a copy of the deposit slip and so did the bank showing I deposited $260.06. So I landed up spending 2 hours in the bank while the banker called Kaiser to try to get info. Turns out the department she needed to speak to was closed and she had to call the next day. She took my phone number but never called so I assumed this was all cleared up. Today I look at my account online and they deducted $260.00 on 11/27/2012. I was on the phone with customer service but it was past 6 PM so I could not talk to a banker. I am fuming mad. I am living on social security disability and this bank is stealing my money. I have proof I deposited the money. They cannot find a check for $260.00 because the check was $260.06 and when they deposited the $.06 the teller again neglected to state that it went with the check that should have been deposited as $260.06. Tomorrow I am going to the bank first thing in the morning and I will throw a fit. I hate this bank. I cannot do business with thieves. I have all the paperwork at home, but my printer is not working. I can't even scan things. They refuse to even check their mircofilm of deposits to look for a $260.06 check, but instead expect me to correct their teller's error. In the meantime I am short $260.00 and have checks coming through.

These people keep calling me back to back at work.
We are behind on our payment due to my husband being unemployed. I want to pay it, he needs a car but i just dont have the funds right now. They wont work with us on a deferment and they had a "representive" come to my HOME last night to collect payment and why we were not paying. I felt humiliated! Very unprofessional.

I originally got a car loan through WF for a high interest rate, and 2 years later traded it off. The amount owing and the worth of the car resulted in me owing about $7000 more on the trade-in. I am currently paying over 19,000 for a car worth only 12,000 (maybe), I have never missed a payment. I applied for a loan recently and expected an interest rate of about 19%, however I made the mistake of not asking what the interest rate was, just being glad I was approved. I traveled 2.5 hours and upon signing the papers I noticed I was paying 39.5 % interest. The lowest term they could offer was for 48 months which on a 3500.00 loan addes up to 3515.15 in interest over the course of the term. So a 3500 loan costs you 7,015.15 , Buyer Beware!, this is a mountain of debt. in the end. I did sign but I will paying this out as soon as possible.

Wellsfargo and its officer and bankers are nothing different than WallStreet guys, except lower in the ladder. Wellsfargo main interest is business, racking fees no matter how, and as to loaning money, even with the bailout they got, it isn't happening.
I called an officer Steven Anderson in the downtown area. Boy did I get the fifth degree when I called in to ask that a check that was being presented today be paid, even if it was short of dollars. Wellsfargo gets a direct deposit every two weeks in bank, that they wouldn't be out of the money. Also avoid the extra fees I would incur if check was returned. Well, not only did I waste my time, but he managed to get out of me everything he wanted to know -- what I own, if I drive, if I work, if that, if this... He was as tough as nails. He went on to offer a $3, 000 loan. $3, 000? What a ripoff in the name of doing business!

STAY AWAY FROM WELLSFARGO. It's not a reasonable and reputable bank. Reminds me to every bank that has folded!

Wells Fargo has to be the worst F*&^&^ing bank in the world. They manipulate your account by how they post transactions. What ends up happening is they charge HUGE fees ($35.00) per transaction for accounts that go negative even when you have funds that were deposited and are pending. I have had cash pend for a day. I am getting a new bank and I hope with all that I am that Wells Fargo is one of the banks that go under. The CEO and the executive core are ### to allow this to continue.

On 1/30/12, wells fargo told me if I open saving a checking will not be charge, got statement from them on 4/13/12 that I was charge $10 for checking and $5 for saving, I went to the bank they said that you will get it back, we charge the first of month, then we refund you.
On 7/13/12, I got anther statement from them show that I been charge every month, I went to bank again they said this time that I most have over $1000 and direct deposit.
I never was told this, and wells fargo need to give me my money back.

I just got off the phone with a representative from Wells Fargo Financial. The man I spoke to from customer service must have been one of the rudest people I have encountered in a long time! I was recalled to active duty and under the Servicemember's Civil Relief Act am entitled to an interest percentage drop if the obligation was entered prior to enlisting. Anyways, I mailed the paperwork (a letter explaining the situation, my orders, my enlistment contract) and certified/registered mailed it to their address that handles this in late August this year.

Since I hadn't heard anything by September and the delivery confirmation stated it was received in late August (even had the signature) I decided to call. The customer service representative said they must have not received it. I explained that it was certified and he told me to try to read the signature. Needless to say, we didn't come to an agreement and I resent the information, again certified and registered mail.

Fast forward to a month later. Today I decide to call since no changes have been reflected on my account. I speak to a gentleman and tell him this is the second time I have sent in this information which now clearly states it was received Sept 29th of this year. Since it's mid October, and I still hadn't heard anything, I wanted to speak to someone who could help. He was possibly the rudest customer service representative I have encountered. He told me it hadn't been 30 days and they had not received anything. He verified that the address I was sending it to was correct and said to resend. I told him I wanted to speak to the dept that handles it since obviously someone was signing for this and nothing was being noted into the account and he said no one could help me.

I finally asked to speak to his supervisor and he said no one could help me. He told me that I couldn't count since it hadn't been the thirty days so no one could help me. I reiterated to him that this was my second attempt at sending this information but he was too busy telling me to just mail it again that he failed to realize that I have two receipts that state this was received by Wells Fargo. He was so rude - why work in customer service with that attitude? It reflects extremely poorly on Wells Fargo to hire such incompetent people.

Finally he patches me through to supposedly his supervisor which was actually cordial however said I would have to mail the paperwork again and to certify it (obviously this method has yet to work). I told him I would humor him and send it in again, however, I wanted a point of contact so that if this is not received once again, I can speak to someone to fix this issue. He said to call back customer service.

I am extremely upset with the way Wells Fargo is treating me and this situation. I've served my country to nine years now and Congress and our President have put this Act in place to help us. It is a shame that companies like Wells Fargo do everything they can to not comply.

Do NOT bank with Wells Fargo Financial!

DO NOT DEAL WITH WELLS FARGO. The bank bail outs gone to there heads. I have been a faithful customer for fourteen years, now I am treated with no respect and loyalty. Today I wanted to transfer money from my credit card of Wells Fargo and found out they lower my limit from 9000 to 2000 with no NOTICE. Life happens and this bank is full of crap now. That is what I told them today. After this month I am going to close out my accounts, and never deal with so called Bank that is there for you...lol.

Wells Fargo charges overdraft fees and I understand that, but they are so money hungry that they cannot reverse an overdraft fee on my account. I put money into my main checking account from another account that I had, on the very same day that a check went through. That money that I deposited would have covered that check. Unfortunately, they decided that the check went through on that Friday (10/12/2012) and the transfer did not. So- I got an overdraft fee. I explained my situation to a male customer service agent, and then to his female manager and they both stated that "since it was not a bank error, they could not reverse the fee." But the clincher was that the supervisor stated, "Let me check to see if your account is eligible for a courtesy fee reversal." She paused a couple seconds, then told me that I was not eligible. I asked “What would make me eligible?” She stammered and stated something about how the bank keeps that information private from their customers and that my account was just not eligible. The bank had my money to cover the check. They had it in the account and they had it in my other accounts. Obviously I was not hurting them for having them cash my check. All I wanted was a little customer service. I wanted them to reverse my fee since I did not deserve it. The manager gave me some sort of mailing address to write into so that my complaint could be escalated (which I wrote into of course). This did not give me service- this was passing the buck. I demand to be treated like a person, not just an account with money in it for the taking!

I have an adjustable mortgage. The value of my home has dropped 27% based on comparable properties in my tract. Wells Fargo/ASC has claimed to work with me but they just yank your chain. My rate is now at 9.95% and we cannot continue to do this. It seems to me that with all the losses the banks should be willing to work with homeowners, adjust their rate and market value and get them back on the right track, instead of ripping their houses out from under them. My credit used to be above average and now I have less than 500. This doesn't just affect me, it has affected my marriage and my 13 year old twins. Where are the answers? And yes, I have to file bankruptcy.

I was being overdrawn by passing a check from my account for my house rent. While i was being overdrawn they have charge me $34 for each transaction i have completed with my atm. The total overdraft fees is over $700! So this week i found out that have lost my income tax return and my whole week paycheck is being used to cover up the overdraft.they have charge $34 for even $0.99. I need to find what i can do for this problem. I contacted a personal banker but he said to me that those fees are non refundable. I know those are refundable coz they have authority to do that.i think this is very dishonest and disrespectful for account holders. In my case i was just being 6 months in usa and i am under 21 so i have to pay like $60 for income tax every week and i currently have one job and i am helping my family a lot!

I have been trying for a year this month to get correction on my car loan. I have faxed copies of where the payment was put onto an account that had already been paid off. They continually harrass you, you try to explain it and send or fax paper work showing them it was put on another account and they don't want to here that. They would have to admit they were wrong. I will never make the same mistake again. This is one place I will never borrow money from again. If I even buy another car and they say Wells Fargo is our lender, I will walk out and not buy my car there.

Wells Fargo should be renamed "First Bank of No", because no matter what the customer wants, the answer is always, "Oh NO! You can't do that! You must do it OUR way, with the maximum amount of inconvenience and expense!" I closed a bank account that might have been compromised and opened a new one by phone. The reason I had to close it was that I had to stop payment on a check, but Wells Fargo requires that you remember this and renew the stop payment every 6 months for the rest of your life, at $30 a pop. How reasonable is that? While opening the replacement account, over and over, I specified that EVERYTHING about the new account should be EXACTLY the same as the old account, but Oh NO, they couldn't do that. I specified that we should be able to continue using our atm cards, and was assured that would be the case, but Oh NO! first time I tried to use my debit card at an ATM it was refused, and I had to physically drive to a brick-and-mortar Wells Fargo and let them diddle the card to make it work again. I asked, while physically there, that they simultaneously ok my husband's use of his card, but Oh NO! he (who works) must get in his car, drive to a Wells Fargo, stand around and waste time while they diddle his card too. I asked, when creating the new account, that they put one of our addresses on my checks and another one on our statements, and was assured it would be exactly as I specified, but when I got the checks, Oh NO, the address shown was the wrong one. I asked, when creating the new account, that they make sure the statement included check images and was assured that would happen, but Oh NO! they're not included with my first statement. In fact, absolutely NOTHING was done right. They've definitely earned the appellation of "First Bank of No".

I got a letter stating that our request of automatic payment on our vehicle loan was processed. It also stated the name of a credit union we never heard of, in which it is going to be taken from. First of all, this request was never made by us. Second, we have never heard of this credit union. Also, the rep told me she could not fix this mistake today because we have a payment due soon. She said she is going to be off Thursday, so she cannot fix it till Friday. Someone else should fix this mistake then.

This company is incredibly ridiculous. I made payments late, included the late payment charges in the payment, They put the late payment amounts in an "unapplied" account, then added up the late charges in a separate account. I had actually paid more than the late charges, but it looked like I ws months late in paying late charges. Also, anything over payment and late charges should have gone against principal balance, but didn't because it was not credited as paid. So even though I was current, it looks like I am months late and the extra that should have been applied yo principal to save 15 years of interest on it was not.
Two representatives told me they would move the "unapplied" funds" to the accumulated late charges, it never happened.

These guys are actually Wells Fargo. DO NOT DO BUSINESS WITH THEM IF YOU CAN HELP IT! this is just part of the nightmares and rip-offs.

My mother and I purchased two vehicles via our mechanic and WFF was the lender. One Christmas we needed money and was offered a refinance. After all the money we have paid into the vehicles, at a high interest rate, we only got $1000. Then when I purchased a car for my daughter they again, looking for business, asked about refinancing her car. I could get as much as $1500 out. I said okay. But then the rep called back she said she could only get me $900. I told her never mind and that's when she told me that it was too late, she had put through all the paperwork and had caused the loan to be refinanced and paid off. I was furious, I told her. Although I had agreed to the refinance, no one had contacted me about the details and I did not give the okay to refinance to receive that little amount. Then in 2002, my ex husband was injured on the job and for the past 5 years (until February 2007), he was unable to work. Thus, I received no child support and had to place our children on my medical insurance. I suffered a loss of over $800 a month and was behind in my car note in or about 2005. For more than two years WFF harassed me night and day with their incessant phone calls. When we did answer the phone, half the time no one said anything. I sent letters keeping them apprised of my situation and called them often. They rarely noted my file as they said they would. In October 2007, they repossessed my cars - 7 months before the payoff date, knowing that they could probably sell the cars and receive a better value for them. I had to borrow the money from my boss who then scolded me for not asking earlier for the money. I had to place a stop payment on the last check for $900 I had sent them. When I did that, I received a check from WFF to reimburse me for the $900. When I called them to find out how to return the check, they refused to take it back saying I was owed the money. I returned the check and then got that check back and another one. Then I spoke to a rep who said to deposit the checks. When I did, they had placed a stop payment on one (which cost me $20) and then after two months of trying to return the first check, I get a call saying I was behind by $1720.56, which was the amount of my note plus the $900. I informed me that I had mailed the note which they should have received and I explained to the rep about the $900. She then transferred me to somebody else. By the end of the call, I had spoken to 4 people of which only 1 knew what had happened. Of course, I got the usual, we will note to your file, but they hadn't. I told them that I bank with a credit union (Honda) and the credit union was on holiday hours and I could not get into to get a cashier's check until the January 2. I got the check January 3 and mailed it. Between the holidays and mid February, I was harassed about the check which they received January 8 and cashed January 9. No one could find a record of the check being received. And to top it off, they charged for late fees for a mistake they made which I tried to straighten out. Finally when it was straightened out and they reversed the late fees, I was told me not to complain by the rep who had reversed the fees when I asked why I was charged anyway for a mistake they made. I should be happy that she was doing me this favor.

For two years they did nothing, until a few months before the scheduled payoff date. Ironically, I had coordinated my bills so that I would have finally brought the account current by December 2007.

They scammed me on the refinancing, their representatives were rude, they harassed and harassed continually. When my car is finally paid in full in May 2008, I will never ever do business again with Wells Fargo or Wells Fargo Financial. Amazing how they want your business and as soon as you hit a financial bind you are treated as though you are a criminal. I wasn't avoiding payment of my bill. I was suffering a hardship and no matter how many times I explained that to them, they faked the sympathy and understanding and continued to harass me.

I had been doing all banking through Wachovia for 15 yrs, and began using their BILL PAY service, when it first became available. No problems – all went as smooth as clockwork. And then Wells Fargo stepped in and nothing has been right in my life since.

For those past 15 years, I had a small Wells Fargo mortgage for a vacation home. I had it set up through Wachovia to pay Wells Fargo monthly – always on time, no worry, just automatic payments. I also had a small home equity loan (usually less than $5000) that was set up for automatic payments of $500 a month.

When Wells Fargo moved all my Wachovia accounts to their Wells Fargo account, I went online and made sure all the automatic payments were still set up. (I have screen captures to prove it!).

When we go to our vacation home, I transfer my home phone to our cabin. A while back, while I’m working on an outdoor project, I get a truly harassing call from the Wells Fargo DEBT COLLECTION DEPT. They say the Home Equity loan has not been paid and that they needed $10 on it. I explain that I am not at home and have no way of getting online and explained that this was set up for automatic payments. They claim it is not being paid. Against my better judgment, I agreed to allow the caller to move $10 from my checking to the Home Equity account to bring it up to date. When I returned home I reset it up for automatic payments.

A few weeks later I get another call on the mortgage payments. I explained this is set up for automatic payments. I voice my concerns about their online payment services. I went online and see two conflicting screens: one saying my automatic payments were to start in August (this is now Sept) and one saying my last payment was in July. Then I see in my history, that the payments were being rejected. The caller doesn’t know why. The account from which they were to be taken never goes below $5, 000.

I go to the bank and the representative looks up my account and assures me my payments are being made fine – not to worry. I show him printouts from by screen showing the two conflicting areas. He says “well, they probably just haven’t updated the screens”. Yikes! I say, how can I trust what I am seeing then? Wachovia’s screens were instantly updated and always accurate. You could trust what you were seeing. Besides – these two screens have obviously been conflicting for a month or more!

I am now getting concerned about my other BILL PAY payments. Is Wells Fargo screwing those up as well? I get online and look over all my bills, but don’t trust what I’m seeing, since one screen still shows my last payment as July and another screen shows automatic payments will start in August. Another screen shows two payments rejected.

I start by calling the number on the web site for HELP. They tell me I must talk to the ONLINE SERVICES DEPT. I call them and they say this is an issue for the LOAN DEPT, so they transfer me. The LOAN DEPT says they do not know why payments are being rejected, but he can’t direct me to anyone who might know. However, they ARE willing to take a payment (of course). In fact, he tells me he will have it automatically debit my checking account if I want and that he will take the payment today and I’ll be all set – which he does. And oh yes, he will waive any late fees. He also would like me to speak to the MORTAGE DEPT about lowering my interest rate, so he transfers me. MORTGAGE DEPT tells my it would not be worth the effort to refinance and pay the cost. OK so far?

The next day, I get a harassing call from the DEBT COLLECTION DEPARTMENT saying I am late on my mortgage payment. YIKES AGAIN! I said NO WAY; it was paid yesterday over the phone and set up for automatic payments. She says she has no record of that and sees no payment. I again am at the cabin, having the phone routed, so I am paying the long distance charge for the transfer. She wants a payment today! I said I will look into it when I return to my home in a couple of days, and that I would like to speak to a senior representative. She says OK she will make a note on my account and will transfer me. I am on hold for 25 minutes before hanging up. (Can’t wait to see that phone bill!). She also tells me I should be getting a lower interest rate. I explained what the LOAN DEPT said and she said “No, you should be able to get the lower interest rate at no charge to you – without refinancing – just lowering the interest rate.” I am now scratching my head on why the LOAN DEPT would not know that.

The next day I get yet another call from yet another person from DEBT COLLECTION. I go over it all again in great detail for the umpteenth time. She wants all my phone numbers (home, cabin, cell, etc) which I provide. I ask for hers which is an 800#. I ask if I can call her there, she says no – they have no way of reaching her, but I can contact her through email (not directly of course – I have to ask someone else to do that when I call the 800 number.)

When I get home, I will be moving all of my accounts (two checking and two savings) to another bank.

1. I don’t trust Wells Fargo’s ability to provide a reliably accurate online services
2. I don’t trust Wells Fargo’s ability to communicate within its own organization
3. I do not trust Wells Fargo representatives to give an accurate description of their own services
4. I do not like their rude attitude and money grubbing ways

I’ve dealt with Wachovia for over 15 years. They were always responsive, polite and helpful to their customers. In return, I was never late on payments and prided myself with being responsible for my financial obligations.

BE WARY OF WELLS FARGO – Watch your accounts closely and double check your statements. Think twice about their online BILL PAY services. They are haphazardly doing business and seem to try to create a reason to charge you late fees and penalty charges.

Oh yes, I also found out that if they take a payment over the phone, they charge you $20. They didn’t tell me that when they were gleefully taking my money. I found out later by accident.

During the loan application loan for refinancing there were too many inconsistencies and missups that ended up on my spending way too much time and money and at the end the loan was not even approved.
I went through 5 different loan applications because each time I was close to closing time Wells Fargo changed the loan proccessor so the application expired and the new proccessor required the same information all over again. After 6 months of Welld Fargo asking for the same information, they notified that the only way to get the loan approved was if I buy internal insurance coverage for my condo. I did got a policy and submitted all documentacion. Now they are telling me that the condo association insurance is short on wind coverage for about $300K the current policy is 97, 359, 646and the bank requires to be 97, 709, 796. this is after they have the same information for the past 6 months and made me spent all this time, agrevations and money to come to this point.
I am currently weels fargo customer and it is clear thar they don't want to refinance my loan with lower interest. They are totally dishonest with the procees and very unfair to their customers.

I hope some one can do something about to stop this banks for treating people in such unfair way.

I filed all the paperwork to refinance the adjustable rate loan that I have with Wells Fargo, I just want a fixed loan, as they one I have will adjust in 2 years. I even paid for an appraisal (which showed enough equity to qualify for a 90% loan). Wells Fargo would not except the appraisal and sent their own appraiser out and their appraisal came in $35, 000. less than the first appraisal, so therefore I was not eligible for a refi. So I asked if since I wasn't eligible for a refi would I be eligible for a loan modification. Wells Fargo sent me to another department within them and that department sent me a loan modification package. I filled out everything and sent it back to them and after waiting their 45 days, Wells Fargo said that since I hadn't been late with a payment and I had some money in the bank (which isn't much) that I DID NOT qualify for a loan modification, that we should consider a short sale. Even though I am NOT interested in selling my home I just want to stay in my home and be able to afford the payments, since I've recently been put on disability . Wells Fargo told me I did not fall into their category of clients to help. My loan is not a Fanny Mae or a Freddy Mac loan so therefore I haven't been able to find a government loan program to help me. Where are these programs that are suppose to be helping everyon out. I'd like to find one!

If you need any sort of help when you fall on hard times this is not the company to deal with. I called because I knew there was some money owed ut certainly not the amount they hit me with. I was trying to the honest and upfront thing and the verbal abuse that I received from the collection department was unwarranted but very silly. I tried to be very calm at the beginning of the beginning of this craziness but lost it, then decided to let the woman I was speaking to finish her tyrade. She accused me of not listening when in fact it was she who was hearing what she wanted to hear, and to top it off she then hung on me, but only after telling me that she was not customer service she was collections. In short DO NOT USE THIS COMPANY AT ALL! I cannot stress that enough.

What I don't like about Wells Fargo Home Mortgage Modification Department/Jerks:

Your professionalism, lack of organization, expertise in delay, over saturation of documentation requests, exaggeration of truth, lost documentation, finger pointing, "not my department" attitude, "let me transfer you the pencil sharpening-paperclip binding-envelope licking-stamp placing-### wiping, etc. department" untruthfulness, on-hold crappy background music, "we're here to help" ###, "please respond within ten (10) days from the DATE of this letter" impossibility, too-big-for-your-own-good company, did I mention"delays" crap?, we'll get back to you lies, complacent, funny looking, bad breath, stubby nosed, mishaped head, jerks.
The End

I opened an 18 month no interest payment plan with Wells Fargo when I got eye surgery. Everything went smoothly and for 17 months I had been paying it off. The last month - January -, I never received a statement (I had about $90 left to pay off of $3000), but I received a $600 statement in February. I called to inquire about it and I was told the account is paid off and I can just ignore it. I kept receiving higher and higher amounts every month so I called again in May. I was told there is one more payment of $98 and because it wasn't made in time I am now charged interest on the entire amount. I tried to explain that I never received a statement to no avail. I called again in June and I was told they have no record of me calling them, on the contrary they called me a year and a half before and that is the last time we had been in contact. Of course, they also stated they refuse to waive any fees. I asked to speak to a manager, and after I was on hold about 10 minutes, a manager came on the line who clearly knew what was going on from the customer service department. He was rude and told me billing statemnts are a COURTESY, I should know what my balance is and pay it off. He also told me they have no record of me calling in and I must have been calling the wrong number.

I am writing to let you know how much AMERICAN SERVICING COMPANY (WELLS FARGO) is a disgrace…they are the ones that called me and said I qualified for a new lower loan modification…they sent me the new contract with the new mort agate payment amount…they told me I had to miss a payment in order to be eligible…so I did so in January 2010…the trial period contract was for February, march and April 2010 for $1200 instead of $1696.. I paid on time every month..the end of April came and they declined me the new rate because I made enough money and I was on time with my payments…that is not what the Obama modification is…now ASC(wells Fargo) has put me into foreclosure…not on my fault because now they want the extra $496 from February, March and April from the contract that was $1200…how is that possible to come up with an extra $1500 on top of my mortgage payment of $1700…your company is playing games with families homes….now they won’t take my payments and they said maybe they can fix it…why are you trying to take people’s homes from them…what are you going to do with them is this horrible economy…do you want people to keep their home? Don’t you want your money? So why not help your customers? I will never recommend your company to anyone…

On or about 9/27/10 I called WF bank to register complaint for a SuperTarget debit card charge. [Target in phone call did say they could not find this debit fee going all the way back to 9/10/10]. I placed a 'stop payment' on the charge and at the time WF said there would be a 6 mo. period for this stop pay. Today I discovered that WF put this stop pay on ALL Target debit card purchases, not the one time debit fee. They didn't define in their terminology to include in the statement 'ALL company debit charges' in my conversation that day.' (Target is charging me $500 in NSF fees, but they are being nice enough to reduce some of it.) BUT THE WELLS FARGO BANK REFUSES TO offer assist in reducing NSF fees or budge on changing their terminology. I've done stop pays numerous times over the years an NO BANK has ever done this type of 'blanket stop pay' EVER! SO -- fair warning to all Wells Fargo Bank users who need to do a stop payment. Is it any wonder banking industry has lost the American public's trust?

My wife and I decided to change our checking account away from Wells Fargo. When the automatic deposit stopped from company it didn't stop Wells Fargo (after getting a ton of Fed (aka our) money) from continuing to charge our account NSF fees and pay accounts like LA Fitness. After $300 in their fees and $200 in payments to accoun ts we were now paying from our checking acct at a new bank. They took their money from our son. A 27 year old, living on his own with a job and his own bills . Wells Fargo claims that they are within their rights - wrong. They are crooks, corrupt and immoral. be careful/ if they are acting within the law; then we now know that Obama or not the lawmakers are in the pockets of Wells Fargo and all of their kind.

Wells Fargo Pressured me to move all my personal and business banking accounts to Wells Fargo and pay loans via direct payment. Then, payments made timely were reversed, and made again, sometimes for six or seven consecutive days. Then, daily deposits to the bank accounts were delayed, sometimes up to a week, even cash deposits. Automatic Payments were made before Automatic Deposits. The combination of all the above caused occasional "Late Payments" that were expensive and ruined my credit rating. Our online banking register was showing the payments were made timely. The bank sent a notice to a former residence that the payments were late. By the time we became aware of the lates... it was too late! We fought the bank on these practices, but ended up having to move our accounts to a different bank. However, when we did, Wells Fargo terminated our credit lines. From the date we moved our accounts, we never had a single late again. However, paying off the credit lines was a huge ordeal that required hard money, lots of wasted money.

1. Deposited a $26, 000 bank check into Wells Fargo when I opened new checking & saving Acts. Even though Wells Fargo drafted the host bank 3 days after deposit, my account wasn't credited for 26 days. So Wells Fargo collected interest and didn't give me access to my money. Of course no one gave a valid explanation.

2. Excessive charges for all transactions, even transferring money from checking to savings. Ridiculous