New Reviewer

Sale of home - 6 months later not closed yet

We are selling a home. Our buyers are being financed by Wells Fargo. Paper work started in March of 2008 - Wells Fargo has not yet closed the sale! Six months and still going! The person working on the sale does not call us back when we call to find out what is going on. We asked if there are problems with our buyers (prequalified for home loan up to $400,000) with no response from Wells Fargo. We send Wells Fargo agent e-mails and she does not respond back. We are now getting desparate as we are paying for two homes, two sets of bills for both homes.
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ID
#135769 Review #135769 is a subjective opinion of poster.
Location
Wasilla, Alaska
Service
Wells Fargo Loan

Wells Fargo out to get you

I have had a wells fargo credit account since 2001. They changed my address without telling me. My neighbor moved and left a forwarding address. Some of my mail got mixed in with his, and was forwarded. Wells Fargo, based on one forwarded letter, changed my address and started sending everything to my neighbor's new address one state over! So not only was I not getting my mail, he was getting it all. I didn't get a bill in the mail, and ended up being a few days late on a payment. They called my cell phone, I made a payment, but they kept calling since I guess their records were not updated or something. I call and ask them not to call my cell phone so much. The lady said she made a note in the file. The calls stop and I think everything is OK. My address is fixed, my card is current, they stop calling me. I go to use my card, and it is denied! I look into it and my card was closed. I call again to find out why, and the lady tells me that sicne I elected not to receive phone calls, they cancelled my card! Can you believe that? It has a balance, had auto payments scheduled (also denied), and was active since 2001. My credit was destroyed! Why, because I asked not to receive phone calls on a payment that already posted! I am sooooo pissed. They did this to get back at me for not wanting them to call my cell phone 5 times a day!
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ID
#135734 Review #135734 is a subjective opinion of poster.
Location
Los Angeles, California
Product
Wells Fargo Account
Loss
$6500

Wells Fargo-Ignoring LegalClosing Documents

We closed on June 27, 2008, at closing, paid interest for July to be paid for August payment, therefore we would pay Sept 1, 2008. August 5, 2008, we get a call from Wells Fargo that we are delinquent on out account for August pymnt. They said they recd pymnt of $678 and some cents but do not accept partial pymnts , please submit payment in full. I tried to explain to them about closing, offered to fax them our loan documents stating Sept 1, to be the first pymnt. They declined, a couple of weeks later, we receive copies of those documents along with the wrong document(no signature), therefore proving what we had stated!! 2 weeks later, still getting harassing calls and letters stating they would like to helps get caught up!! Said that it would take them 90 days to fix the problem, which only took one of their employees to screw up in 90 seconds!! It is now 9/11/08, still not fixed, they took Sept pymnt and applied it to the August delinquent payment!! HOLY SMOLLY!!! Isnt their no protection for the consumer???
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1 comment
#34431

You are aware the broker is responsible to ensure funds were transferred to your servicer right? Because even if your servicer can prove you are right and paid the money at closing with that agent or company you need to be calling the broker directly (Even if the broker was from another division of WF) Your calling the company that services the loan as it was transferred to them. Thus the company that transferred the loan to them needs to get you your money...and take care of your credit reporting in hand with your current servicer.

ID
#134944 Review #134944 is a subjective opinion of poster.
Location
Tucson, Arizona
Service
Wells Fargo Loan

Wells Fargo's Unauthorized Overdraft Loans

Wells Fargo's unethical banking practices run the gambit from sitting on deposits, debiting high amounts first, to forced enrollment in a checking account overdraft plan that you don't want. It's a forced loan with a few exceptions: no loan agreement, no disclosure, no Truth-in-Lending, no loan statement, no review of terms and conditions, no opting out, no protest procedure. None the less, it looks like a loan, acts like a loan, quacks like a loan. It must be a loan. If you doubt that, just don't pay the loan balance. You see, it's a loan! But it won't appear on a TRW, and you filled out and signed nothing to get it. Your statement doesn't even show you have a credit line, because it's covert. It doesn't serve your credit needs, it serves the Bank's. The need for Federal intervention is here, either via executive branch investigation or legislative branch remedy. It wreaks of conspiracy. I'm amazed there is no class action brewing. The FDIC should allow claims against this silliness. After all, our funds on deposit are Federally insured, possibly against this.
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ID
#134815 Review #134815 is a subjective opinion of poster.
Location
Los Angeles, California
Product
Wells Fargo Account
New Reviewer

In appropriate banking practices: gouging consumers

Wells Fargo Client Services P.O. Box 6995 Portland Oregon 97228-**** Re: letter of complaint against Wells Fargo Bank. Client Services, On Wed. 3 September I drove 60 miles from Fort Sumner New Mexico to Clovis New Mexico to deposit my bi-weekly salary into my checking account. I deposited two money orders from Wal Mart; one for $700, the other for $500. I was aware at the time of deposit that a check had been honored 24 hours previously resulting in a negative balance in my account. Upon checking my account on the computer Thursday morning, the on-line bank statement showed a positive balance of about $150, the $1200 deposit was pending and the $700 money order was on hold until 08 September. When I accessed my account today, Saturday 06 September, the on-line bank statement showed a negative balance of about $149, and both the $700 and $400 money orders were on hold until 11 September. I checked the reason for the hold, and there was annotation of irregular deposits to my account. I called the phone bank and spoke to a “Michael” and shared my displeasure about all of my funds being placed on hold and my puzzlement as to what irregular deposits were being questioned. He quoted the bank policy; I told him I know their policy, but why both money orders, and what irregularities? He responded that the bank needed to verify the origins of the money orders; I replied they were from Wal Mart and I use Wal Mart money orders often to deposit money into my account. I questioned, what was so different this time? He again began quoting bank policy. I thank him for his time and told him of my plans to file complaints to Wells Fargo and the New Mexico State Attorney General. I went for a drive and cooled down and decided not to file a complaint, until I logged onto my computer upon returning home to see that the reason for the holds had been changed to “repeated overdrafts in past six months”. Upon checking my account history, I decided that I would complain. First of all, if anyone wishes to examine my account, a person could set their watch my deposits. I get paid every two weeks, on Wednesday and the number of times I do not deposit my salary every Wednesday evening can be counted on one hand, minus the thumb; there are NO irregularities in my deposits. I do have 2 or 3 utility bills that are automatically withdrawn from my account within the first 2 weeks of every month, without fail; again no irregularities. If anyone examines my debits, they would conclude I own stock in Wal Mart, have a car payment, a home mortgage and also pay rent on a house where I work out of town; again no irregularities. As for overdrafts, the last overdraft I incurred was in June of 08 and since I am a Doctoral Student I do run into financial problems, such as the one I had in March of 08, I did have several overdrafts. However, I believe if anyone were to look closer at my over drafts in March as well as the one a few days ago, there appears to be a banking practice that I do question. The person who makes these decisions is aware of my banking patterns; deposits and debits. They are aware I am sure that if a hold is placed on my account during the first part of the month, I will incur several overdrafts because I have 2 or 3 utility bills that are automatically paid out of my account, resulting in several overdraft fees and extending the account holds, which then results in more overdraft fees because I do have a mortgage and rent and other utilities that I pay towards the middle and end of the month. So yes, I find it hard to believe that the person who makes these decisions is not aware of the commutative affect of holds when some bills are automatically presented for payment. I can only deduce, assume and therefore conclude that the reason that someone places a hold on my account during the first two weeks of the month is to increase the income of the bank through overdraft fees, resulting in greater financial hardship and psychological stress for me. In this case Wells Fargo could not decide if the reason for the hold was irregularities of deposits or persistent overdrafts (two since June). What do I want? I would be satisfied if debits that occur automatically would be honored during financial holds without overdraft fees and the reasons for the holds are realistic and honest. If this practice is occurring with the many patrons of Well Fargo, I can only image amount of money the bank gains through this practice.
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ID
#134343 Review #134343 is a subjective opinion of poster.
Location
Ciudad Juarez, Chihuahua
New Reviewer

Unwarranted fees made by account insuffcient

Wells Fargo depleted my account with unwarranted fees that made my account insufficient when I had enough money in my account to pay all bills, but Wells Fargo illegally withdrew overdraft fees & continue overdraft Level ll fees, and additional fees. I have my bank statement showing that my account was in good standing. Then Wells Fargo had the audacity to place me on the chex system. Wells Fargo has violated the Professional Business Practice by participating in unethnical business tactics. Wells Fargo refuses to reimburse me the money that they illegally withdrew from my account to gain a profit.h
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1 comment
#49939

You would think you would read the Terms and Conditions for your account. They don't give you all the paper work when you first open the account so you can throw it away, you're actually suppose to read it. It clearly states what will happen when you don't have enoough money.

You obviously don't know how to manage your account when there are so many ways to check on your money...

ID
#134312 Review #134312 is a subjective opinion of poster.
Location
Los Angeles, California
Product
Wells Fargo Account
Loss
$1

Wells Fargo Financial -- Unethical Company

Imagine my surprise when I received a letter stating that you have been working with us for some time to resolve our financial problems. I sit here looking at our last statement -- $109 due by 8/15/05. I paid 40.00 on 7/28/08, $60 on 8/26, $9.00 on 9/4/08 using the bill pay service offered by Wells Fargo bank. Wow due 8/15 – paid by 9/4/08 – we are quite the deadbeats. I just went on line (Wells Fargo Financial) and paid another $109 since apparently Wells Fargo needs the money so badly. I’ve never dealt with such a unethical group of financiers in my life.
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2 comments
#43058

Maybe the settlement letter your received was sent in err.

#32605

Wells Fargo has depleted my accouunt with unwarranted overdraft fees of 273.00 when my account was in good standing. Wells Fargo made my account insufficient to gain a profit and by using unethnical business tactics. This bank had the audacity to place me on the Chex System.

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ID
#134066 Review #134066 is a subjective opinion of poster.
Location
Silverton, Oregon
New Reviewer

Well's Fargo scamming the 'overdraft'. Puts debits through, hold deposits.

I will keep this short as I know that anyone who has experienced this insanity will understand it immediately... I have fought with Well's Fargo to the point of no return on this one. You know how it goes...6 or 7 small debits and then much later a large one that goes into the negative by a buck??? Then they put that on first and make all those 10 dollar debits go into overdraft to charge you the 35 bucks a pop. Hold your deposit, let all your debits come thru and...BAM...10 more overdrafts. FRAUD. FRAUD!!!
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1 comment
#31341

If you complain and tell them that you feel that the bank is only interested in profit and that you will pull your account and change banks, they usually refund a portion of the fees as long as this is not a regular activity on the account. You will have to speak with a manager since thanks to the economy crisis banks have adopted the stance and have actually trained their customer service reps to ALWAYS deny a refund and state that as long as it's not the bank's error they will not issue a refund.

That is NOT true. They will, depending on your history with the bank. Also, if you hold other services with them, such as mortages, cd's, savings accounts or anything, Threaten to pull them, just be ready to do so. Sometimes they will say it takes days to close an account, and that they will mail you a check for the balance in your account.

To get around that you tell them not to worry about it, then go to the bank and pull everything except $1.00 from the account. If you have a mortage, call and ask them for a loan payoff letter, this is the first indication that you may be refinancing and leaving their bank.

You have power as an account holder. USE IT!

ID
#133289 Review #133289 is a subjective opinion of poster.
Location
Mesa, Arizona
Product
Wells Fargo Account
Loss
$500

Wells Fargo - Disgusted by their customer service

I called in Dec 2007 to get a pay off amount. The empl gave me the amount of $917.46 which iwrote the check for on that instant. Now Sept 2008 I have a balance because i should of paid $945.17, $27.17 difference. Now i have to pay $200 because they made a mistake. Not only that, but "supervisor" BRYAN (empl #6332) was very rude to me and called me a liar... Michon, also a customer service rep was extremely rude. I don't care paying the balance, but i will not tolerate insults!! DISGUSTED! I WILL NEVER BE A CLIENT OF WELLS FARGO AGAIN!
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3 comments
#286873

Made a payment albeit late by 10 days.. Next payment would be due today.

Calls started Friday night at 8pm started again on Saturday 8am and all day until 9pm same on Sunday. Finally answered.. They called my mom (co-signer I have had the loan now for 6 years on my car and Im down to 9 more payments) told my Mom I would get into a lot of trouble and so would she if she didnt make a payment. Mind you I already made said payment!

When I called and told them that if they continued to call my Mom and say those things, I would call and Attorney...I was told.. Dont Threaten ME.. by the Rep.. Which I quickly replied really so Wells Fargo has the corner on the threats..

I dont think so. As I said my payment is due today and when i look online it says I owe for today and June 16th 2011.. How can I be late on a payment for a month that hasnt happened yet??????

I asked Wells Fargo Rep about this and they could not answer ... Needless to say I cannot wait until this loan is done!

#271861

Here is an updated list of their newest and oldest numbers...The weird looking one is their way that they now send Text Messages.

800-692-****

484-565-****

484-895-****

801-246-****

605-226-****

800-565-****

866-913-****

877-537-****

913-492-****

888-932-****

610-595-****

800-565-****

407-444-****

407-548-****

407-744-****

816-584-****

480-337-****

866-799-****

605-226-****

407-444-****

706-50

#85372

Hi everyone, tired of the calls, here are their numbers, block them out and watch, they will start calling with a "block number"...hahaha Wells Fargo, this feels good to get back at you for a change. now I only answer when I'm ready...YES!1-800-56*-***01-407-5**-**811=605-226-****1-484-89*-***01-816-5**-**701-480-***-*3101-48*-***-29001-8**-**3-93231-***-*99-1702*-***-226-790**-**1-246-06***-*05-226-9****-407-744-****1-88*-***-****Share with other Wells Fargo Auto customers...time to fight back!

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ID
#133157 Review #133157 is a subjective opinion of poster.
Location
Chicago, Illinois

Overdraft Protection Danger to Credit

Your credit report is in danger when using an overdraft protection account with Wells Fargo. When your overdraft protection account reaches its maximum amount Wells Fargo has a policy that ads an additional 2 % of your limit to your account. Example if your limit is $3,000 they will ad an additional $60 taking you to $3,060 which puts you over your credit line. This may seem like a nice feature to help you avoid overdraft charges but as soon as this occurs they send a complaint to all three credit reporting agencies stating you have exceeded your credit line. This can cause your credit score to drop maybe as much as 30 points. The drop in your score can have a direct effect on your ability to secure favorable terms in any transactions with Wells Fargo or any other company.
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ID
#132623 Review #132623 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Product
Wells Fargo Account

Wells fargo over charging on closing cost.

I used wells fargo when I purchased my second home, they we're terrible!! My loan agent was a liar and did not use full disclosure about PMI. when i tried to speak with someone about allthe problems she got irritated and slamed the phone on me, she was a supervisor. Its true! I closed my bank accounts and would never use this bank again. bottom line I was overcharged on my points , PMI, and my final rate which should have been locked in but wasn't, although I was told it was my fault. BUYER BEWARE Wells Fargo is a rip off!
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ID
#132083 Review #132083 is a subjective opinion of poster.
Location
Los Angeles, California
Service
Wells Fargo Loan
New Reviewer

Wells Fargo delaying release of storm damage check

Three months ago, our home and resulting neighborhood was impacted by a severe hail storm that damaged our roof and siding of our home. Our insurance agency and contractor worked together to agree on replacement value, and everything was going along very smoothly until the mortgage company came into the picture. Wells Fargo has refused to release a check for us to continue work on our home until they have an inspector come review the work (guess the city inspector report isn't good enough). OK, so that's all well and good except for the fact that they won't return calls in a timely manner and require that somone be home to sign the fact that they were there to inspect the work yet again -- taking time out of our schedule to be home during a 3-hour window (did they take lessons from the cable guy?), only to take another week to cut a check. According to our contractor, Wells Fargo is the only mortgage company that has such an unnecessarily complicated process that it will probably take over 3 months to get a new roof and siding completed -- more than double of what it is taking our neighbors with the same issues. What are you thinking Wells Fargo Mortgage?
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3 comments
#372004

I am a contractor dealing with Wells Fargo on a customers home. all paper work filled out and inspections completed by Wells Fargo, work has been completed for 3 months and still no check. Maybe I should start charging them intrest and late fees.

#182257

Same for me,they put you in a position where to get things done you have to use your own money to get the repairs completed.And they act as if they dont care that you have to. The problem is most of us dont have 45,000 dollars in savings.They refuse to release money then call every week asking If I fininshed all the repairs yet. Worthless human beings.

#63388

Hey and if the roof leaks and the floor is ruined they will blame you as well. Typical Wells Fargo story, Whata bunch of jerks, I do not know how anyone can work for them and sleep at night, or do they stay up thinking new ways to suck the blood out of the rest of us mortals.

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ID
#131360 Review #131360 is a subjective opinion of poster.
Location
Minneapolis, Minnesota
Service
Wells Fargo Mortgage

VERY ANGRY

Very recently I did a stop payment for a couple of pre authorized debits from another horrible company, Midland Credit Management, reason being I lost my job and I couldn't afford the monthly payments. I called Ashley from Wells Fargo and she informed me that the stop payment should go through for both transactions and I am being charged for them. Fine. But then three days later, I look at my account, and one of the debits went through! I was pissed, and I called Wells Fargo bank and asked what the *** was going on. The associate said that I didn't give the correct information. I did not understand that because I gave all of the information that was asked. He said that they were not given a check number from me. I NEVER WAS ASKED FOR A CHECK NUMBER!!! I then asked to speak to the manager. She said as a "courtesy" she was going to reimburse the stop payment fees. She also said that there would be no more fees on my account, and to confirm that, I should call next week. I check next week, they charge an overdraft fee on my account. I was livid at this time and I was yelling at them. I feel bad for yelling, but this was ridiculous. They spew the same *** that since this it was received as a check and there was a check number, then they couldn't do anything about it, even though I did not give them any check number, they didn't ask for one. If that was the case, then why did they stop the other debit that I asked them to do? Both of my transactions had these random check numbers from MCM, both were requested by me to stop payment at the same time, yet they stop payment on one, and let the other, more expensive one go through, and they have the audacity to charge me for it? These people don't care, and when I get straightened out with my finances, I am going to search for another bank. Also, I would avoid Midland Credit Management like a plague. NEVER give these *** your account number for a preauthorized debit. Also these people are very rude. One of these hags hung up on me when I was trying to straigten this out.
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3 comments
#458526

HAving issues with Midland credit myself. First they put a garnishment through that was for a 350 dollar from 1995, and now ballooned to $1781.

My payroll didn't notify me nor did Midland about such an old debt. No problem, I paid it in full and when the last payment was sent I simply called them to ask that they send me a letter of satisfaction-I'm trying to clean up my credit. This has been paid since last year and you get nothing but extremely rude people who hang up on you and tell me I owe interest. Well my payroll rep.

and myself have asked for that in writing. No such luck. You'd think they would want to get everything they claim to be owed, but it's been impossible to get this taken care of and the crazy part is, not only have I paid off the judgement in full, they claim I owe interest not included in the garnishment but they still send nothing to get the money. I don't get it.

These people are crooks and need to be stopped. I even took the evidence that I paid to the courts to get them to release me from it and a judge denied my motion to dismiss so it's like you can never win, even when you pay your debts.

#166591

Jason Tillo must be young and have never dealt with banks before. I believe the person with the complaint. How do I know all this, I was a bank manager and had to get away with all my employees making mistakes. Jason, grow up and get some hair on your nuts. One day you will have the same happen to you.

Thanks,

Fred

#27761

Can you prove that you gave the correct information. I bet the real reason you lost your job is because you did not get correct information.

Maybe you were asked for a Check number and did not give it because you did not pay attention. Could that be the reason you lost your job. Or perhaps it was your attitude that made you lose your job. Perhaps you were rude to those around you and had complaint's to your boss.

Do you yell at your co-workers and swear at them as well. Get a better attitude and you will get away. You cannot get your way yelling at people as proven when you lost your job.

They were rude to you, but you even admited you were rude to them so you got what you dished. If you can't take it than behave yourself.

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ID
#131036 Review #131036 is a subjective opinion of poster.
Location
Pacifica, California
Product
Wells Fargo Account

WELLS FARGO DISGRUNTELD

I applied for a refinance but was turned down becasue Wells Fargo said I don thave enough equity to value. That was Ok but they referred me to their Wells Fargo loan affilaites. I listend to them and let them take my aplication from wells farge but did not fill out a seperate form. They sentme some info aobut an offer that had a 7.9 interest rate so I decined the loan. They in turn sent me a letter saying I didnt qualify for a loan. I have an excellent credt score and make enoughmoney to hadnle my bills an mortgage, this was not ture and was simply a rude resposne tomy declien of thier offer. If anyone knows who I can make a complaint to let me know. I willmake one with Wells Fargo and see if I can find out who actually backs thier loans to cc the complaint.
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2 comments
#63389

Typical Wells Fargo Story

#47035

good lord buddy, try spellcheck. I felt like I was trying to decode a jumble.

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ID
#130819 Review #130819 is a subjective opinion of poster.
Location
Mount Laurel, New Jersey
Service
Wells Fargo Refinance
New Reviewer

All disgruntled finance, loan, and credit card customers unite!

In my earlier writings, entitled, “Disgruntled Wells Fargo Customers Unite!” , currently being read on several blogs, I called for eveyone to do as I am doing. This being to eventually get the attention of Wells Fargo Financial hierarchy by starting at the bottom, namely their mailrooms and processing centers. While posting my humble blog, I saw that Wells Fargo is not the only uncaring ogre out there. It seems as though HSBC, Primerica, Bank of America, American General Financial, Citibank, Wachovia, Chase, and many, many other lending institutions are leaning a deaf ear toward their customers with complaints. How can the disgruntled customer of these uncaring and sometimes unscrupulous loan, financial, and credit card companies get anyone in those organizations to listen to their complaints? I have decided to send Wells Fargo Financial a hard copy check via regular mail for the sum of .10 (TEN CENTS) to be posted to my account. I will also faithfully pay my Wells Fargo Financial bill. I will send the ten cents checks each 5th, 10th, 15th, 20th, 25th, and 30th of each and every month. I will bend the envelope in such a way that a PERSON will have to open it for processing. In each envelope, along with the check I will place an explanation letter, telling that poor processor why he/she is having to do such a thing. I will enclose a PENNY to be posted to my account, as well. This will cost me a grand total of $3.12 each month(check plus penny, plus stamp), which I consider a small price to pay to get them to CARE. Why can’t you do the same with your credit card company or financial institution? Imagine what can happen if MILLIONS of us disgruntled customers unite and do the same thing on the same dates! Swamped mailrooms may get someone to CARE. I estimate that it will take about three minutes for that poor mailroom processor to open my letter, read my letter, and post my check and penny to my account. In an eight-hour day it would take approximately 150 such letters to require another worker to post payments in a timely manner. Where are those other workers going to come from? At some point the media may get wind of our grass roots effort and this thing could become a snowball rolling down hill right into the laps of loan, credit card and financial hierarchy. Please join me in my endeavor. Big business can easily deal with all us individuals, but if we unite, we can make them listen and care. But I will not simply stop there. I will use every search engine I can find, type in the name of my lender+DISGRUNTLED CUSTOMERS, or my lender’s name+ COMPLAINTS and post my complaint on as many as possible. Please do the same. Maybe YOU have a better idea in getting their attention. If so, please post it. Thanks.
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1 comment
#49230

That's so silly. All that will do is cost the bank more money and guess who will end up paying....you guessed it, the poor *** who pays his bills on time.

Why don't you try that, it's cheaper for you and the bank???

ID
#130117 Review #130117 is a subjective opinion of poster.
Location
Atlanta, Georgia