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Wells Fargo Pirated Our Credit without consent

We are seniors who had a BK 4 years ago because of a illness. We had excellent credit, never late just could not pay the medical bills. We just bought a home, have a 3 year old new car financed and went to Wells Fargo as it is in the city we are moving to. After giving all our information we were told we were denied a account? They ran our credit without our knowledge and although there is nothing currently wrong were denied. We had a check for $67,000 that we closed another account and nowhere to put it. Went to B of A and they approved us immediately. Sorry *** bank
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1 comment
#21598

Whenever you agree to take out a loan, especially financing a new car, the lending company has a clause which allows them to run an inquiry on your credit report. These clauses are within your contact of sale. They are not separate!

So read before you sign!

ID
#115725 Review #115725 is a subjective opinion of poster.
Location
San Luis Obispo, California
Product
Wells Fargo Checking Account
Loss
$67
We moved to GA back in Oct of 2007 from KS. We had a home in KS, that we had been payin on for 7 years. Just this last year of 07 did Wells Fargo decide to start raising our payments about every 2 months. By the time we left to come to GA, our payments were up to 532....
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5 comments
#57741

Hey Bob you are wrong.We also have Wells Fargo as a lender.And no they won't help you.They raised our payment almost $300 dollars to pay escrow which we never asked for.Then when we tried to get them to help redo the intrested on the loan to lower the payments they did the samething as they did to the person above.Not one department knew what the other department was doing.It is a disgrace when Wells Fargo takes millions of tax payers money,and then doesn't wanna help the people who they should be helping.

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ID
#114439 Review #114439 is a subjective opinion of poster.
Location
Toccoa, Georgia
Service
Wells Fargo Mortgage
Loss
$39

Harassment by Wells Fargo

My daugther got her 1st car loan and needed a co-signer. I live in another state, so the car dealer sent me the papers to sign and send back. The 1st time my daughter was a day late on her loan, I got a phone call. I explained that it was my daughter's loan and they should call her, and I gave them her phone number (which they claimed they didn't have). They informed me that I was the main person on the loan and she was the co-signer. Kind of funny, since she had no credit record yet. Unfortunately, I cannot find my copy of the co-signer papers. I explained the error to them and they said the only way it could be changed is for my daughter to refinance. Since that time, every time she is a day late I get called. I spoke with 1 nice person and she agreed to note on the account that they are suppose to contact my daughter, and I gave them her phone # again. She was suppose to note that I would only be notified if the car was close to being reposessed. The next person who called claimed there was no such note on the account and again I had to give them my daughter's number. Now whenever she is late, I get a call EVERY day. This month they are telling me she is 30 days past due. I was not able to access the account online because they have my daughter's SSN as the main account holder SSN. I went to the local Wells Fargo branch and had them look up the status of the account. They said the payment had been received over a week ago and the only payment due was the current one. Today I received another call telling me the payment was late. I told them that according to the bank, the payment was made. They said they had no record of receiving it. So naturally I got quite upset and used few choice words when I told her that they better get their accounting straightened out and quit calling me. They did the same thing to my husband on a loan he had with them. He always makes his payments on time, but he received a call saying a payment was late. He called the bank the next day and they confirmed that the payment had been made on time. Not only can they not keep their records straight, but they harrass their customers for no reason. I am encouraging my daughter and my husband to refinance and get away from Wells Fargo.
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2 comments
#310382

wells fargo had me arrested and charged with forgery on a check that sent to me and made to me in my name. not my fault it was a bogus check. how do you figure forgery/ how does one forge their own name?

#9369

it's all true. We call people who are 1 day late and give no regard to whom is, or suppose to be, the primary name.

We'll call you until you answer and even force insuracne onto your account. Do we care about the customer, not from what I've learned.

I am a Wells Fargo employee and even I am looking to change all my accounts aay from WF as well as find new employment. We love money, but hate the people giving it to us!

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ID
#112893 Review #112893 is a subjective opinion of poster.
Location
Waterloo, Iowa
Service
Wells Fargo Loan
I swiped my debit card by accident for a $2300 purchase, did not enter my pin or sign, and had the transaction voided and rung up again on another credit card. Wells Fargo held the $2300 out of my checking account for 72 business hours because of this accidental swipe...
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1 comment
#1049749

Pay attention to the banks hold policies. Don't be an ***.

ID
#112640 Review #112640 is a subjective opinion of poster.
Location
Petaluma, California
Product
Wells Fargo Checking Account
Loss
$2300

Wells-Fargo is an *** Farm.

Unfortunately, there is not enough space here for me to fully explain all of my problems dealing with W-F and their mortgage dealings. So here is a synopsis of what I have experienced. In January of 2006, I fell behind on my mortgage, entirely my fault and I accept full responsibility. After contacting Wells-Fargo and working out a resolution to catch my mortgage up, in accordance with the instruction given by the W-F employee, I overnighted a check to the address specified and verified the letter was received and signed for. Imagine my suprise when a county sherrif showed up at my door 10 days later to serve an eviction notice!! They had sold my home at auction!!!!! AFTER receiving my check!!! Since then I have made over 50 calls to W-F to get this issue resolved woth no success. They have made SEVEN appointments with me to attempt resolution and have stood me up EVERY time. My phone calls go unanswered and not returned. I have a file 3 inches thick of all the documentation I have provided them. One of the documents I provided was a personal Profit/Loss Statement. The girl I talked to said she needed a statement that showed both my gross and my net. I assume she had never seen a P&L before. In my opinion, Wells-Fargo is an institution that specializes in the production of idiots. At that endeavor, they truly excel!!!
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1 comment
#4251

agreed - i had them "close" my check card that someone had managed to use without my knowledge... after the 14 business day waiting period to get a new one came and went without a new card (which they said was on its way several times) - I went to a physical bank to get some idea what happened.

They said the card was never closed, nor had a new one been issued. What did come in the mail was the charge dispute claim that had the wrong charges on it...

ID
#110606 Review #110606 is a subjective opinion of poster.
Location
Canton, Georgia

Wells Fargo-Overdraft Fees

All I can say is that if you have an account with Wells Fargo, when you have the opportunity, LEAVE! Now, apparently you need a college degree to bank because God forbid, a financial institution should have simple rules. Basically in my case, I always check my account online. WHY? Because if I call and ask a question about it, the bank tellers will charge me for it if I am able to see things online and I don't have time to go down to the bank and ask questions at my leasure. So when I check my account online it says I have money, so I make a deposit and by my calculation I should not be over drawn. Well low and behold, I get nailed for 6 overdraft fees(in the amount of $204 total, $34 apiece) When I spoke with the manager, she had this nice software that conveniently points out when I was overdrawn. So I asked, if you can see when I was overdrawn, how come I cannot see when I was overdrawn? She then points out I should balance my checkbook, because apparently I am an *** and I should have known about this. But she also advised me Wells Fargo has no way of knowning officially when I am overdrawn until it posts so this justifies me getting charged this money. If you have to reread the last 2 sentences for clarity, please understand why I was escorted out of the building. So I am just advising any sane person with a brain who reads this should go to a credit union. I realize some of the people who read this, might think dee dee dee..this guys an ***. Well when this happens to you, at least you will have been warned.
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14 comments
#217569

Only been with Wells F&#* since 4-10 but

as of Aug could see Monies Missing, Check book balance was off. Its not about spending too much money, its about beening ripped off.

My check is written and accounted for so my balance should ALWAYS be lower than Wells. It wasn't.

NO WAY to prove anything, so I'm back at Credit Union. If it ain't broke, don't fix it.

#153337

A similar thing happened to me. I can't wait until I no longer bank at Wells Fargo!

Wells Fargo Customers- Just because you get your paychecks direct deposited doesn't mean the money is actually there to spend! I've been charged overdraft fees unjustly as well.

My paycheck is allegedly depoisted into my account on Friday. It was still "pending" on a Monday, the perfect time for WF to "charge" ridiculous overdraft fees.

#149639

What is wrong with you people. Don't spend more than you have! How hard is that?

#137258

Lying thieves. They cheat. If they see you overdraw, even for a dollar, they will go back a few days and jigger the dates on a few small transactions so they can hit you with several $35 fees instead of one.

#133522

News flash. dont spend money you dont have!

Every bank does this!! dont write checks, because people can hold on to them for a looooong time. if ur not sure if its posted then dont spend that money!

its really not that hard ppl. be responsible.

#133162

Completely agree. How the *** am I supposed to see that my account is overdrawn when one day it's in positive balance and the next day I have three overdraft fees ($105)?!

#129442

Wells fargo is definately crooked and they need to be sued or something. They are just ripping people off!!

Literally. My sons army recruiter personally took him to Wells Fargo for D/D of his military checks, so I think the Govt is involved thats why nobody does *** about it.

That poor kid never had any money at all because of *** fees when he supposedly had money in the bank. I finally just added him to my account at a local bank that does things the right way.

#129171

They just hit me the other day with 9 overdraft fees in one day that equals about 400$ and I talked with 4 different people they all said I am an *** and I should keep better track of my money. They stole my paycheck and its still overdrawn, now they keep hitting me with level 2 od fees and its still in the hole.

They make me so angry and pissed off, I decided to bury my money in my backyard. I hate this bank.

#122775

Wells Fargo sucks!! I did leave them after 23 years and got an account at my local credit union.

Let me repeat - Wells Fargo sucks and will suck your account dry in fees - no matter why.

Boycott Wells Fargo NOW!

#69430

gaaah! i hate wellsfargo! im leaving as soon as it is monday cause im sick of their fees!!

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ID
#109933 Review #109933 is a subjective opinion of poster.
Location
Redmond, Washington
Product
Wells Fargo Deposit

Fargo Financial

i was ripped off also, I was told to file a police report in stone mountain, ga and also filed a complaint with bbb and state attorney general office--- I guess they had fun shopping for christmas was all of our money-- since now the phones have been down for 2 weeks if anyone has gotten there money back at all, please post-- and if anyone has any other suggestions on how to get the money back please also post we should have known it was to good to be true thanks for any help, i can get i would really like my money back
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1 comment
#9396

I was ripped off my this company also...this happened to me back in October 07 they got my money but never got my loan they kept giving me excuses they they stopped answering the phones. I am a smart lady and can't believe it happened to me I filed a report with the BBB but I know my money is gone. I did some research and any reliable company will not ask for any up front as well don't send anymoney western union or moneygram

Pissed off too

ID
#109930 Review #109930 is a subjective opinion of poster.
Location
Jacksonville, Florida
Service
Wells Fargo Loan
Loss
$1700

Fargo financial AKA Approvalin24.com

Well I'm in the same boat as other people are. I was riped off by this company for $1250.00 in November 2007. I found out that this company is not for real. I found out through resources that this is a scam. do not use this company at all. It said I was approved for a $7000.00 loan. That I needed to send money by a western union wire transfer to Canada. I had to but a insurance policy or make a minimum of 5 payments before i could get the loan. they said it would make this loan a secure loan. I was told that I would get the money within 24 hrs. It now has been about 6 weeks and still no money.
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ID
#109657 Review #109657 is a subjective opinion of poster.
Location
Puyallup, Washington

FARGO FINANCIAL AKA APPROVALIN24.COM

I was trying to get a small loan to pay off bills i don't have great credit and this company called me with great news. $5000 loan however the lender would only approve me if I made an insurance deposit of $950.00 but only by wire transfer and to Canada I was kind of leary about this but they had a legit website and active e-mail addresses plus the loan contract looked fine too. Well after the wire transfer I was told I would receive the monies in 24hrs well of course that did not happen and I kept calling after 3 weeks I still had no monies. They would give me every excuse in the book the transfer did not go throught we entered the wrong numbers and so fourth. I finally told them to return my deposit that was a month ago and still nothing. I am just going to say that this was a rip off and never deal with this company. They are still in business and if they call you hang up on them don't make the same mistake I did
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2 comments
#9398

I was ripped off my the same company who used the exact same line as the exact same amount that they wanted from you$ 950.00. Wire to Canada.

I thought it was legit because they had a contract email website but i was wrong. I did some research and any legit company would never ask for monies up-front and never wire transfer to anywhere especially out of the country well hard lessoned learned but I will never ever get a loan thru anyone not even if they are legit.

the best thing is try to go thru your own bank also American General Finance is great company for those with less then perfect credit. Hope that helps

#1648

The approvalin24.com website is gone now, and the fargofinancial.com website has changed. We recently had a chargeback processed by Visa for products purchased from our website using stolen credit card information by someone with an email address at the approvalin24.com domain.

They used the same credit card to pay for pay-per-click advertising at Google, MSN and Yahoo. So be very careful about giving your credit card info to these kinds of sites.

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ID
#109515 Review #109515 is a subjective opinion of poster.
Location
San Francisco, California
Service
Wells Fargo Loan

Wells Fargo Financial for Raymour and Flanigan

I wouldn't recommend Raymour and Flanigan to anyone, especially since one has to deal with Wells Fargo Financial. I paid off this account in October and received a statement indicating I owed nothing more on this acct. Then in December received another statement saying I was "slightly late" and charged a late fee of $10. I want the word out there about this company and their underhanded business practices. I will never do business with Raymour and Flanigan as long as they continue to use Wells Fargo Financial. I depise this company. My sister has had problems with them, as well. For about the same thing, making bogus charges.
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1 comment
#7235

I feel that Wells Fargo is discriminatory on the basis that I do not work. I do get an income because I am disabled.

Their decision was based on a credit report "but the reporting agency played no part in their decision". Make up your mind WFF. Give me some specifics then. My credit report isn't perfect, but I scored over 6hundred.

I know I'm not the only one complaining. The way the banks are failing, you'll need the average consumer soon WFF.

ID
#108867 Review #108867 is a subjective opinion of poster.
Location
Rochester, New York
Product
Wells Fargo Account

WELLS FARGO FINANCIAL LOAN SHARKS

I TRADED IN MY 5.25 NEG AM LOAN FOR A 8.53% LOAN WITH WELLS FARGO FINANCIAL BANK...WHAT A *** I WAS!!!...THEY PAID OFF SOME DEBT, BUT CHARGED ME 28,000 IN LOAN FEES, AND DOUBLED MY PAYMENT. THEY APPROVED THE LOAN KNOWING I COULDN'T MAKE THE PAYMENTS DURING THE SUMMER MONTHS. THEY MAKE BAD LOANS, ALL THEY WANT IS YOUR MONEY..NOW I AM FIGHTING THEM TO SAVE MY HOUSE FROM THESE LOAN SHARKS. THEY SCREW EVERYBODY, BUT ESPECIALLY BLACKS AND MINORITIES!! I AM DEDICATED TO HELPING PUT THESE BASTARDS OUT OF BUSINESS THE SONNER THE BETTER!!!
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3 comments
#48844

Craig, I guess this is what WellsFargo does to military indiv cause they have a lot of military accounts. My son had the same problems.

After having vehicle and paying for 4 years, he still owes 17,000 for orig 19K. Then we tried to get a payoff, non for 3 years. Drop lien and then repo/stole vehicle after 2 years no contact. U 2 should write a complaint 2 Federal Trade Commission.

May enough complaints and they will do something. (Maybe wishful thinking).

#43621

This bank is full of unscrupulous bastards! They constantly harass me that my daughter's car loan is late.

Sending mail and phone calls non-stop. I get on-line to review her account information and even their records indicate she is current. They put unnecessary insurance on her vehicle without contacting her, trying to charge her extra, until she proves she already has her own insurance. They take extra out of her account for her payment.

Her payment is $345 a month and sometimes they take a double payment and then act like it was her fault when her account didn't have enough to cover it, charging her another fee. I hope Wells Fargo folds and another banking company with some morals buy's these idiots. They are ridiculous and deserve to be out of business.

My daughter is in the military, serving our country and this is how she is treated. Sickning!

#24252

As far as I am concerned that is much better than your neg am loan. You will at least now pay down the loan instead of owing more than what it started at.

No one forced you to take the loan that was offered.

I would bet you didn't eliminate your debt after it was paid off. You need to learn to manage your money.

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ID
#108551 Review #108551 is a subjective opinion of poster.
Location
Kissimmee, Florida
Service
Wells Fargo Mortgage

WELLS FARGO TURNS AMERICAN DREAM INTO A NIGHTMARE!

WELLS FARGO, dba, AMERICAS SERVICING COMPANY TURNING THE AMERICAN DREAM INTO A NATIONWIDE NIGHTMARE My lovely home of seventeen years is up for a Sheriff's sale on October 3, 2007. My home. I pray Disaster Relief is made available immediately for families in crisis. For a record number of home owners, the American dream is currently a nightmare. Wells Fargo dba American Servicing Company (ASC) hopes to take my home. The balance on my loan is very small, less than half of the home's appraised value. My mortgage payments are low, I can afford them, and I have always made them on time. My mind spins as I try to understand how something like this can happen. But the truth is nothing is for certain. Last February, I received a letter from ASC. Effective immediately, my mortgage payment increased 200%! I called Customer Service and was told my payment increased due to a negative balance in my escrow account. I told them they didn’t escrow on the account, had never escrowed on the account, and I confirmed with them my monthly mortgage payment would not change. They told me I would receive a letter confirming the details we had discussed within 7 to 10 days. I was to learn letters with good news never came. Somehow the letters threatening foreclosure were relentless. At first I tried to talk with the same employee who had promised me he had “noted everything in the record” and “he had discussed my account in detail with his supervisor to make sure all the problems on my loan had been fixed.” agent who just promised you all was taken care of arrived confirming assured me over and over and over, that yes, definitely this time, they had truly made the corrections I thought had already been made. And they definitely would be reinstating my loan, the one I thought had already been reinstated. I was always told I would receive a letter confirming all was well with my loan. But the promised confirmation letters never came. November, ASC suddenly, without reason, began to escrow on my loan. They had never escrowed before. I didn’t receive any notification or indication that they planned to begin to escrow. But their error, and they do readily admit it was their error, was not But ASC paid two additional property tax property tax two more times, and paid the annual premium for home owners insurance. I always paid them monthly. On August 14, I was told, again, my loan had been reinstated. While waiting again for another confirmation letter that never comes, I call them again. I I didn't contact anyone else for help because I didn't think I needed to. ASC was always so sorry after they didn't follow through on one of their promises. Then they reassured me all was well. I was very stupid. But ASC made an error, and that’s OK. But their error, and their inability to quickly correct their error, I might lose my home. My home was my savings account. And it was my retirement account. More important than anything, it was my security blanket. I am so very sad! In 1990, WATERFIELD MORTGAGE CORP, honored me by approving my request for a mortgage loan. It’s difficult to comprehend how truly good something is until you experience something bad. I miss Waterfield Mortgage with all my heart. I know help is coming soon for families facing foreclosure. God Bless anyone who helps someone keep their home. Kelly L. Hansen Overland Park, KS ctsmyhon@***.com
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3 comments
#23226

At a time when banks & companies were over burdened by handing out loans like candy I was buying my first home. I had contacted several lending companies to only have them take my info over the phone tell me what I would quali for & not follow through.

Wells *** was the only company take the time to return my calls & actually speak to me. The agent informed me that due to my resistance in having large quanties of charge cards with balances on all of them & my bad habit of actually paying off debits, it hurt my standing in getting a low intrest rate but promissed that with timely payments he would pay the aprox $850.00 refi fee in a year so I could lower the intrest rate. I was in a spot & needed to get fiananced so I could close on this house I found. I took the deal.

At no time was it disclosed to me that this was a variable intrest loan that could double at the end of two years. I had spent two months going over the draft loan papers having errors they made corrected. I discovered variable rate while reading through the papers at the signing. A year to the day I started searching for a refi, with a $8500.00 fee payed to Wells Fargo.

I was able to prevent my payments from doubling and got a rate that was .25% above prime (with my anti-credit card, debit paying poor rating).

I was one of the lucky few to excape the Wells Fargo *** with alot of work, scrambling & a friend. I won't outwardly say their agents lie due to laws & such but they are good at omitting & bending facts.

#3408

I understand your feelings about fees that banks charge re credit cards. In some states these delinquent interest rates, were what loansharks charged, and this very statement was made by a senator/or congressman when the credit card companies were called on the carpet last summer or fall for raising an up to date credit cards interest rate to a delinqunt interest rate, because the person was behind on a different credit card an outrageous practice.

After the congressional hearings most credit card companies have stopped this completely outrageous practice.

One thing here, though Turner, that is important. If you like the credit card company or not, by closing the account you lowered your credit score. Part of your credit score is based on available credit, so if you pay off an account, leave the account open, it will heighten your Fico score, showing you have additional borrowing power should you be behind on another card, you have the ability to transfer a balance, by closing accounts you cut yourself off from that additional availability of extra credit, and you lower your total point score. Pay off yes.

Close the account no. Source www.answersfordebt.com

My sympathies to the lady who had the problem with Wells Fargo. Please keep in mind all banks have a mortgage mitigation dept.

Most consumers do not know this and banks have complained to the media when people accuse banks of being insensitive about foreclosure that their depts were never contacted, and were willing to work something out. This is true to a certain degree, most consumers, do not even know about mortgage mitigation depts.

#3397

I had an old wells fargo credit card. After the predatory lending charges and fees were paid off and the card paid off we cancelled the account vowing NEVER to do business with Wells Fargo again.

Amtrust just sold my Mortgage to them. So now I am back in business with those *** BAGS.

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ID
#105639 Review #105639 is a subjective opinion of poster.
WELLS FARGO, dba, AMERICAS SERVICING COMPANY TURNING THE AMERICAN DREAM INTO A NATIONWIDE NIGHTMARE In November 2007, Wells Fargo d.b.a. American Servicing Company (ASC) decided to escrow on my mortgage loan. For no reason. My taxes and insurance were always paid on...
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2 comments
#56092

A lot of people considered their home (and what used to be) their acquity as their saving and retirement investment. Why would you question that Caveat Emptor?

After all, for MOST people that is the biggest investment they ever make.

Unfortunately, now that home prices have nose dived, many people have a big liability (their home) instead of a live in nest egg.

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ID
#105462 Review #105462 is a subjective opinion of poster.
Service
Wells Fargo Mortgage
WELLS FARGO, dba, AMERICAS SERVICING COMPANY TURNING THE AMERICAN DREAM INTO A NATIONWIDE NIGHTMARE My lovely home of seventeen years is up for a Sheriff's sale on October 3, 2007. My home. I pray Disaster Relief is made available immediately for families in...
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7 comments
#537600

I live in Wenatchee WA. Wells Fargo stole my home too. We had to declare bankruptcy in 2007 because of medical bills, but had ALWAYS paid our mortgage on time. In 2010, my husband lost his job and I went right away to Wells Fargo to tell them what happened. I immediately was told to pay as much as I could and to apply for a Home Modification.

Through the next several months I got all the paperwork and went through countless hours talking on the phone and jumping through their red tape hoops. I thought it was worth it to get my interest rate down to 2% from 8.5% and saving the hundreds of dollars a month and still stay in my home. In filling out the forms and writing the hardship letter, I specifically told them that although my Husband was now getting a retirement check, he worked 9 MONTHS out of the year as a substitute custodian at a school district. I had proof of it too.

To make a very long story short, Wells Fargo DID approve the Loan Modification, HOWEVER they calculated my husband's supplemental income INCORRECTLY. The problem was that they multiplied the monthly supplemental income by 12 to get a HIGHER gross income, then divided by 12, instead of multiplying it by 9 and dividing it 12 to get an ACCURATE monthly income. They miscalculated enough that we were no longer "qualified" for a 2% loan but a 4.5% modification. We were still going to pay more than we could afford by about $300 monthly.

I quickly got on the phone and spoke to the person who was supposedly "helping" us. She was so rude and unhelpful. I explained to her that the miscalculation was not right and it needed to be re-done. She said "it's set in stone. You can't change it" and most horribly, "It's not OUR problem that your husband is seasonal labor". She was snotty about it and was completely ignoring my tears. When I asked about talking to the underwriters, she said that NO ONE talks to the underwriters and they don't "even have phones". WTH!!?? She said the only options were Foreclosure or Short-Sale. I tried to explain what good is it if they get less for the house if WE could pay it ALL off if the interest was lowered? She just said "It's not our problem".

I tried talking to other people in the short sale department and told them of the horrible treatment from this witch. While they were more sympathetic, they were no more helpful.

A few months, later, my house sold for $60K LESS than the amount of my original mortgage contract, and the people now in my house pay LESS than what I'm currently renting for now. I am heartbroken and may NEVER again have a home of my own. WELLS FARGO IS EVIL!!! and they didn't even TRY to work with us and ACCURATELY depict our income. :cry :cry :cry :cry

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ID
#105436 Review #105436 is a subjective opinion of poster.