No help in mortgage

do to the economy work has cut back on hours and jobs have been lost. when trying to work with wells fargo on a modification, do to the lower value of my home and the lower income. the statement i received was "you can send in papers but, if you make your payment, it will kick you out of the system. they want me to use every bit of my saving , what little is left. they don't want to help the people that are trying. they only work with though that are delinquent. they want me to screw up my credit scores, that i worked so hard to keep.
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ID
#140073 Review #140073 is a subjective opinion of poster.
Location
Danville, California
New Reviewer

I'm not pleased with Elizabeth S.Lively in wellsfargo bank.

I was misguided by the banking personal Elizabeth S.Lively, regarding my checks problem.She did not have mean knowledge about her Job, and just misleaded me. I've brought a check from an International bank and deposited in my account. However, because of lack of funds, my check was returned, and I did not receive it yet. So, I approached the bank in las cruces, unfortunately Elizabeth, she told me that my check was destroyed and trashed, and I was also told that I'll never receive my check back, and she left me hopelessly, for which I felt very bad. This continued for 4 days. Finally, when I approached another banker, he guided me very well and helped me in getting back my check. So friends, If you are in Las Cruces, dont ever approach Elizabeth in Wells fargo bank for any sort of queries. You may land into troubles. I'm writing this beacause I dont want anyone to face problems, which I have beared.
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ID
#139683 Review #139683 is a subjective opinion of poster.
Location
Las Cruces, New Mexico
Product
Wells Fargo Account
Loss
$2000
New Reviewer
Two years ago I payed off my Wells Fargo Credit Card because the interest rate was too high. Now, two years later, I receive a bill with two charges that total $76.33. I called Wells Fargo Customer Service and asked why this account wasn't closed and was informed...
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1 comment
#63394

I am a lawyer licensed in 2 states. Do not waste your time or heart tissue with worry.

Simply write Account is closed on the latest bill they send you and be done with it. If they send another inform them you will sue for harasment and be done.

If they ever contact you again do it, you could get a tidy little sum because anything below $15000 is cheaper for them to settle than fight. Also notice Wells Fargo is the subject of way to many complaints, and they know it.

ID
#139554 Review #139554 is a subjective opinion of poster.
Location
Missouri City, Texas
Product
Wells Fargo Account
New Reviewer
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...
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1 comment
#42512

As a fellow soldier, I understand and realize what poor customer service Wells Fargo has. Call 866-677-**** to file your complaint.

Also, contact your State Attorney Generals Office and your Congressman. Trust me, this will get the attention it deserves.Thanks for serving.

ID
#139357 Review #139357 is a subjective opinion of poster.
Location
Orange Park, Florida
Service
Wells Fargo Loan
New Reviewer

Wells Fargo is A Heartless Bank

After being on time with 29 payments never missing one for my car payments, we ran into some financial difficulties. spoke with someone in the department about a week a half ago and he said, no problem, just call back after the due date and they will give you a deferment on payment for a month. Called back today 10/13/08 and after going through their chain of command in their collections department, I was told by the floor supervisor verbatim "We are not heartless, we want our money" among other words. I live on social security and had just run into a temporary situation. On time for 2 1/2 years and this is how a bank treats good customers? I can't believe it.
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2 comments
#73532

Report

2. Written by Don Darryl, on 14-09-2009 22:42

A story is circulating in the LA media today about a Wells Fargo executive, Cheronda Guyton, who allegedly moved into a foreclosed property being held by the bank and threw lavish parties there.

The previous owners of the Malibu, CA home, which is or was supposedly worth $12 million, lost the house after they lost all their money to Bernard Madoff.

According to reports, Guyton, who oversees foreclosed commercial properties, moved into the swanky home with her husband and two children and even had a large party there the last weekend in August.

What is this, Risky Business 2?

According to the LA Times, the bank said its ethics code wouldn't let Wells Fargo employees "make personal use of property that had been surrendered to satisfy debts."

The Realtor for the house told the Times that Wells Fargo WFC 27.92 0.49 (+1.79%) wouldn't show the house to potential buyers either. The bank stated that it had some kind of agreement with the prior owner to keep it off the market for "a period of time."

Now I'm not sure what rights an owner has to tell any bank what to do with a home after said bank has already foreclosed on the property.

I am sure that whether or not the Wells Fargo executive was hanging out there legally or illegally, she is definitely acting unethically.

First of all, I doubt any VP who oversees commercial foreclosures makes enough money to afford to purchase a $12 million home, even at today's discount prices. (According to the Times a person at the home, who wouldn't come out, told the reporter through the intercom that the home was owned by Collin Equities, which just so happens to be a Wells Fargo company in charge of liquidating foreclosures.)

REAL ESTATE Slideshow on CNBC.com

* America's Coolest Beach Homes

Secondly, in what warped Wells universe does said VP think a) this is a good idea, and b) she can get away with it?

I called Wells and received the following statement:

Collin Equities is a wholly owned subsidiary of Wells Fargo that manages, leases, and liquidates properties owned by Wells Fargo through the process of collection.

The property located at 23360 Malibu Colony Drive is owned by Collin Equities, a subsidiary of Wells Fargo. The company took possession of the property in May 2009.

The property was transferred pursuant to the terms of a private agreement between Wells Fargo and the prior owner. Under the terms of the private arrangement, the property was withheld from the market for a period of time and accordingly Wells Fargo has not yet listed the property for sale, but plans to do so in the near future.

Consistent with our policies, Wells Fargo will conduct a thorough investigation of the allegations.

Wells Fargo’s Code of Ethics and Business Conduct handbook instructs team members to avoid conflicts of interest or the appearance of conflicts of interest in their personal and business activities.

We don't discuss specific team member situations/issues for privacy reasons.

I don't often have a lot of sympathy for multi-millionaires who lose their homes to foreclosure because of reckless investing, but I don't know anything about these previous owners, and when I hear the Madoff connection, I do start to feel for them. Hey, I'm all for making a ton of money legitimately and spending it nicely. The house, by the way, is spectacular, at least what can see on the Realtor's website: www.106malibucolony.com. I can see where someone might be tempted, but seriously folks. This is over the top.

Oh, and by the way, according to the Obama Administration's latest progress report on its Making Home Affordable loan modification plan, Wells Fargo has started trial modifications on just 11 percent of the homes that the program deems eligible. I was at the hearing earlier this week, when members of the House Financial Services Committee grilled administration officials about the poor showings from many of the banks. Administration officials said the banks need to do more. I realize this particular executive works on the commercial, not residential side of the foreclosure crisis, but it does make you wonder....

#63387

And yet another satisfied Well Fargo customer. How is it that if someone points a gun when they rob you the law helps, but when it is Wells Fargo no one seems to care. or is that the little guy on the stage coach?

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ID
#139195 Review #139195 is a subjective opinion of poster.
Location
Denver, Colorado
Loss
$306
New Reviewer

Bank thinks I am fauding THEM!

Dear Sirs,I have been a trusted customer of Wells Fargo Bank for many years. I have always enjoyed the friendly atmosphere, andtrusted each and every bank employee, whether in person, in letter format or over the telephone.Unfortunately, the service was inadequate because my claim was denied. I am disappointed because the service was notperformed correctly. I was billed for a purchase that I absolutely did not make: 05/21/08 POS PURCHASE - CHEVRON/IZZET KCHEVRON/IZSAN JOSE CA 1615 $60.00 I was told - after more than once inquiring - that "we are not making any further adjustment to your account", and most importantly, it's implied that I made a false claim. This error is unacceptable. It is difficult to believe that companies are still doing business this way in the year 2008. I trust that you will please take the time to explain to me how this could have happened. I am hereby requesting that to resolve the problem and insult, I would appreciate my account being adjusted. Please contact me at the below address or email to confirm that you will honor my request within 21 days. Would you please advise me if Wells Fargo Bank is still interested in doing business with me, or if what has happened here is your not so delicate way of telling me to do my business elsewhere. I have prepared a complaint for submission to other sources for my investigati on. Thank you for your anticipated assistance in resolving this problem and disappointment. Yours sincerely,
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ID
#138946 Review #138946 is a subjective opinion of poster.
Location
Oakland, California
Product
Wells Fargo Account

Wells Fargo Rep. Brian arrogantly insisted there was no problem

Wells Fargo representative arrogantly insisted there was no problem when the bank's automated phone number repeatedly sent me to the wrong information. It was a strange situation that was made worse by Brian's tone of voice that there was no problem. I finally decided to get help at another time. It would be great if Wells Fargo would listen to complaints and then investigate to determine if there IS a bad employee on their phones. Especially in this economic climate, it could cost them alot if they don't. Oh well, not my problem. Yay! That is all.
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ID
#138317 Review #138317 is a subjective opinion of poster.
Location
Madison, Wisconsin

Fees

I too had small debits from a Friday come through on Tuesday with a large check. I should have had 1 NSF fee, but they always manage to make it look like all charges came through the same day and charge you 6 NSF fees. I have sent my complaint to the Office of the Controller of Currency. Don't know how they can get away with it. I had fraudulent charges on my account 3 weeks ago, and they have just now resolved that issue with items returned and huge late fees. When I asked how they can return items when the problems is still trying to be resolved, I got the answer of "Well, the system doesn't understand". What idiots.
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4 comments
#180665

I had money in my accoutn and walked into the bank to withdraw. Two days later I was charged overdraft fees.... :(

#44438

JUST MAKE SURE YOU ARE PROTECTED WHEN NOT AT HOME.

WATCH OUT FOR HIM.

#43053

I would tell you that in my experience, it has a lot to do with the posting dates/when a merchant actually batches their credit slips.

#40804

This is very interesting...this George thing I have looked at the comments and they just don't get down to the real truth here. George likes to go to Mexico for the girls...many say little boys; I would have to agree with that one.

He is such a ***! George likes to talk big. I guess that’s because that's all he has. Don't worry all of you that got ripped off.

Just think of how great George and Rod will get along with the big boys in prison. George Rod...you will look so cute, with your finger in someone’s belt loop. George they won't even let you keep your watch you think is so nice.

Rod I always wondered how you fit in that little car. Wow tight spaces… prison might be nice for you.

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ID
#137698 Review #137698 is a subjective opinion of poster.
Location
Plano, Texas
Product
Wells Fargo Account

Abusive phone calls

Wells Fargo Collections, as an agent of Raymour and Flanigan, makes abusive and harrassing phone calls. They call at dinner, on Sundays, and insist on debriefing you, regardless of your credit or payment status. I asked to speak to a supervisor and was advised there was none available. Then, when I got one, Craig, he was obnoxious and abusive. He intimated I was responsible for the abusive phone calls, in spite of the fact that I had already paid. I am tempted, since I own my home and don't need credit, to default on my loan just to anger them. Do not buy from Raymour and Flanigan because of their bank Wells Fargo!!
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5 comments
#150733

If I have a bad day at work guess what i do. I just can not wait for the call its always on time so i vent on the fool that gets my number it so much fun to just mess with these fools .

you should all try its sometime.

i had the guy hang up on me a lot of times. someone has to make there jobs hard guess thats me!!!!!!

#127807

John G. Stumpf, C.E.O Wells Fargo1090 Chestnut St, Apt 12San Francisco, CA 94109-****HOME PHONE # (415) 346-****Call John at home and tell him that you don’t like frivolous phone call from Wells Fargo. If enough people call him at home he might start to understand!

#49577

FYI-I pay every month and on time! In any case it doesn't excuse the rudeness. You must work for them.

#45597

They are sooo rude... Called me on Halloween got me mad. Lets just say I put them on the ignore list!

#43067

Good idea, dont pay to make them unhappy, and the calls dont go away. Much more fun then paying the balance in full.

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ID
#137443 Review #137443 is a subjective opinion of poster.
Location
Reston, Virginia
Service
Wells Fargo Loan
New Reviewer
Office of the Comptroller of the Currency If you have a problem with Wells Fargo or any other national bank, you can make a formal complaint here. The bank will listen to you after you do this. They do not like to get these kinds of complaints. As a matter of fact if...
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29 comments
#1734355

I went to wells fargo in rancho bernardo to do a wire transfer not noing that it was a scam the person helping me didnt question any of it at all. if he would have asked me that the person that it was going to is the same person that did the work i would have called that person and asked.

so I filed a clam with the fraud dept and of coures they said there is nothing they can do. so why are we insured by the federal goverment.

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ID
#137403 Review #137403 is a subjective opinion of poster.
Location
Los Angeles, California
New Reviewer

800 - 900% Lender Placed Insurance Premium rip off

We are complaining horrific mortgage LENDER PLACED INSURANCE PREMIUM RIP OFF by American Servicing Company, American Security Insurance company, & Assurant Specialty Property. (American Servicing Company is A WELLS FARGO) 1.Exorbitant 800 – 900% Lender placed insurance premium without any notice. We provided Home owner’s insurance policy covering from Aug 2006, so there was about 1 month and 2 weeks of lapse which they claimed they notified us to cover from June 2006 which we never received and we demanded them to provide the proof of such notice but they failed to provide. 2.Excessive 800 - 900% gauging – if it is not illegal, it is willful exploitation. For mere 1 month 2 weeks short lapse, they charged insurance premium whopping $1568.52 ($1078 + $490.90), prorated abut $8000 yearly for DWELLING ONLY without any liabilities for COVERAGE AMOUNT $750,000 while comparable industry average Dwelling only premium for that coverage is about $1200 YEAR. 3.Unilateral lender placement charge –BETRAYAL OF CUSTOMER’S TRUST. They unilaterally insured at the highest gauging amount of premium THRU THEIR OWN INSURANCE COMPANY WITHOUT CUSTOMER’S CONSENT. They betrayed customer’s trust to profiting themselves, which should be breach of fiduciary duty. This self-dealing insurance premium rip off is directly hurting consumer and should be stopped. When we complained, ASC replied they sent notice to us on July 17, 2006 which we never received and we demanded proof of notice they delivered to us but they refused it and failed to prove they gave us notice. 4.Unilateral deduction from Mortgage payment and started to charge late fee. Despite we paid full amount of monthly mortgage payments every month in time without any skip, ASC took the gauging insurance premium away from our mortgage payment unilaterally and did not applied our payments to monthly mortgage payment and started to charge late fee. THIS WILFULL EXPLOITATION IS HURTING CONSUMER AND MUST BE STOPPED. Despite of our complaints in the past a year to correct it, they are keep charging late fee and harassing to foreclose. THIS MUST BE STOPPED. PLEASE HELP TO PROTECT THE CONSUMERS. THIS IS WILFULL AND DELIBERATE EXPLOITATION BY GAUGING INSURANCE PREMIUM. 5.Retroactive insurance premium charge should be stopped – if not illegal it is wilful exploitation. OUR INSURANCE POLICY COVERAGE DATE WAS AUGUST 2006. ASC'S LENDER PLACEMENT INSURANCE BINDING AND NOTICE DATE WAS OCTOBER 2, 2006. NONTHELESS, ASC CHARGED RETROACTIVELY FROM JUNE 2006 6.ASC confessed it was their error not able to notify to us as ASC audit team discovered later there is no hazard insurance on our mortgage after they purchased the loan from Ohio Savings bank, this facts were confirmed by ASC employees “Miss SHANE, and Miss ALICIA both working in Frederick, MD office. 7.Despite of all above, not only there was no fire on my house during the lapse period but also WE NEVER MAKE ANY ERROR ON OUR SIDE for that short lapse, in fact it was their error as they confessed. Therefore it is very natural to grant courtesy and grace period for that short lapse, but ASC refused which proves that their practices are WILFULL EXPLOITATION, TRAP, AND PREDATORY TO HARM CONSUMER to profit themselves. We are very very frustrated as they continue to refuse to correct it for the past year and giving us painful ordeal. Please kindly help us let them stop this kind of ASC/Wells Fargo Bank's willful and exploitative practices as I believe this is their pattern of consumer exploitation not only us but others as well. Sincerely yours, Hong y Cho ASC/A Wells Fargo Mr *** Kovokovich CEO 7495 New Horizon Way Frederick, MD 21703
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2 comments
#679773

I have a mortgage with Wells Fargo which I have had for many years.

I refinanced 18 months ago with them with no problem. Rates dropped and they contacted me about refinancing again which I decided to do. After 4 months of nothing but problems (them losing items I faxed to then and having to refax many times etc) I was denied refinancing stating I had to much debt to income ratio.

Go figure refinancing would drop my payment that they are already

receiving now. Looks to me like they want to keep me at a higher interest and not interested in helping me lower payments. What kind of business is this?

#80278

We have had similar problems with them. They purchase flood insurance for us to match the hazard insurance level even though our insurance person has talked them telling them we do not need the same level on both insurances.

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ID
#137180 Review #137180 is a subjective opinion of poster.
Location
New York, New York
Service
Wells Fargo Mortgage

Wells Fargo and Raymour and Flanigan

The terms that I purchased the furniture under changed after I received the goods. Then I was treated terribly by their credit factor Wells Fargo. When the electronic payment would have taken too long to get to them ( 4 days for a major financial institution ??) I tried to access their website to pay the bill. That failed as it is a convoluted mess. I called in payment that cost me $10. The payment was never received and when I called them I was treated awful by their customer service. The same exact scenario happened for the last payment as well!
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1 comment
#82967

When we bought furniture from Raymour & Flanigan, I was willing to pay the whole amount upfront. The sales guy threw in free warranty if I opened an account and paid part of it to that account.

I agreed and they told me that Raymour's issuing bank Wells Fargo would send bill me after 25 days at 0% APR. That did not happen. They sent me the bill on 10/30/2009 with the Payment due date as 10/30/2009 to be received before 3:00 PM Pacific. Luckily, I happen to work from home today and checked my mail during lunch hour to discover this.

Also I happen to have the money to pay them off online which I did.

But I am certain that these crooks (Wells Fargo) play these dirty tricks to rake in the Finance Charges. I will never bank with Wells Fargo bank ever.

ID
#137159 Review #137159 is a subjective opinion of poster.
Location
Newark, Delaware

Wells fargo

I've been dealing with Wells Fargo for the past 3 years with my house and car loan. This is by far the worst company I have ever had to deal with. My car pymt is due on the 22nd of the month, if my pymt isn't there by the 25th, they call me non-stop starting at 8:30AM, I have cussed at them because I had my first pymt changed to the first of the month, I now put up with their computer calling me non-stop. I am now in the process of getting my house reprocessed and paying off my car just to get out from under Wells Fargo!
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ID
#137110 Review #137110 is a subjective opinion of poster.
Location
Augusta, Georgia
Service
Wells Fargo Loan

Wells Fargo Visa Card/ Home Morgage

2 years ago my husband was diagnoised with cancer, we thought we had Death and Disability Ins. on the home we were buying, NOT! The gal that wrote the paper's up on our home 2 years earlier, was so busy getting ready to go on her free vaction she won from Wells Fargo,(for signing the most sales up), she forgot to add the D&D Ins. in, then when we had to file on the Ins. she said it wasn't available, but it was now, How Convenient(SHE LIED). Now, I am totally disable and I have been turned down for the Disability Ins. on the Wells Fargo Visa. They said I had to work at least 3 months before filing for my disability? (Social Security Disability? )
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1 comment
#44043

How heartless and irresponsible can a BANK or an employee be? I know now not to deal with this kind of Bank, it could have happened to me! I pray that this family has a BIG turn of luck, it looks they need it!!

ID
#136498 Review #136498 is a subjective opinion of poster.
Location
Reston, Virginia
New Reviewer

Wells Fargo Has Stolen My Money!!!

Wells Fargo is a terrible bank in my opinion. If you are banking with them you may want to reconsider. If you are not banking with them but you are considering doing so, you may want to think about this a little more. This is a very low quality customer service bank. It is very unpersonal and does not care about its customers at all. Furthermore, they are quite dishonest. They stolen out of my account over $800.00 simply because my step-son's account got overdrawn. My step son is an adult. I have no control over his actions or over his account. I had no access to his account or knowledge of the status of that account. They claim that because I allowed my wife to have access to my account and because she had also access to my step-son's account that somehow these two accounts are linked or related. Total nonsence. This bank is a total scam!!!
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1 comment
#35702

This is a clarification of my posting. Wells Fargo has withdrawn the money from my account without my permission and without my express or implied authorization.

I only authorized my wife to have access to my account. I did not authorize Wells Fargo to link my account to the performance of someone else's account that I do not have access to and do not control.

Because of this I consider their withdrawal of the money from my account as highly innapropriate.

I am damaged for somebody else's actions despite the fact that I have absolutely no control over that person, over his account or over his finances. This is the essence of this dispute.

ID
#135980 Review #135980 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Wells Fargo Banking Service