Wells Fargo’s earns a 4.4-star rating from 7547 reviews, showing that the majority of banking clients are very satisfied with financial services.
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mortgage loan application
My husband and I were pre-approved for a conventional mortgage loan three weeks ago. I have just graduated with my PhD, and am starting a post-doc fellowship position that will last for 2 years. I asked whether the fact that I had just graduated and started a new job would present any concerns about my "loan worthiness" and was told not to worry. We thought that underwriting would be no problem, due to the pre-approval, our respective credit scores of 760 and 810, the fact that we have zero debt, can bring 20% down payment, and because our assets are greater than the purchase price of the home. We entered into a contract on a house based on assurances from our loan officer that we were a "slam dunk" application and should anticipate no issues with underwriting- she was 100% sure we'd get our loan. We proceeded with the home inspection and the appraisal, and all other aspects of the contract fell into place. We were looking forward to our closing date and taking possession of the home.
The application went to underwriting-- and was denied. Why was it denied? It seems that the income I receive does not count towards qualification, because it doesn't show "evidence of continuance" for a period of at least three years. This is absurd. I have a grant-funded guaranteed position for the next two years, and that income cannot count toward my application. Moreover, our assets are greater than the requested loan amount. Because of this, I expected to be viewed as a low-risk loan applicant. If we wanted to, we could just outright buy the house, but I'd rather use my assets to continue building toward retirement. So thanks Wells Fargo. Now I've either wasted $1200 on appraisals, inspections, etc. on a house I can't get a loan for- or I have to liquidate all my assets so I can buy it outright.
The complaint has been investigated and resolved to the customer’s satisfaction.
harrasing phone calls/violation of fdcpa
Everything I mean everything you read on this website about wells fargo is true. The violate FDCPA laws daily. They will call you early in the morning at time before 8:00 am usually around 7:50 and leave messages all day long. They will continue to call your references that was on your loan application everyday. They called my parents house back-to-back for 30 minutes because my dad refuse to take a message. They will call you 1 day after your payment is late and every customer service rep. you speak to will have a different answer to your question and account. Another scam they try is to add insurance to your vehicle even if you already have it. Then you have to go through hell to get your insurance company to prove to them that you were insured. That is just the tip of the iceberg after you prove to them you had insurance and still does they will refuse to remove the insurance charges they added to your vehicle and attempt to repo your vehicle due to late payments. I have contact my attorney general office to report the abuse of phone calls and harrasment form this company. They have the worst customer service in history and you do NOT want to conduct business with them. Below is a link to the FDCPA website and a list of common violations which I know they blow out the water based on the complaints on this website.Also, when you fall behind one rep will tell you, your qualify for an extenstion the next person will deny it and they all have different qualification guidelines and forget talking to a manager they just pass the call to a neighbor who is rude. They have no respect for the law.
PLEASE HELP STOP THESE PREDATORS WHO PREY ON PEOPLE REPORT THIS ABUSE TO YOUR ATTORNEY GENERALS OFFICE. NOW.
http://www.debtconsolidationcare.com/fdcpa.html
The complaint has been investigated and resolved to the customer’s satisfaction.
inproper hold on check
i just wanted people to know some of the tricks wells fargos uses to help thier customers . we have had our checking account over 12 years and our mortgage for over 4, and most of the charges charged to me were ours due to my husband being injured on the job and not able to work for over 2 years he recently was able to return to work 6 weeks ago with a local company. wells fargo cashed his payroll check the first 4 weeks then on the 5th week my husbands job told thier employees that the companys bank had made an error and if their was a problem cashing thier checks that 5th week that they would pay any charges charged by the employees banks. we did not get that option wf automaticly put a 16 day hold on the check. iwent to our branch that we made the deposit to let them know about the error and needed the check or needed wf to redeposit it the bank lady made a call and said that at any time the check would be redeposited by wednesday still no deposit was made went back to the bank and was now told once a hold is placed it can not be removed until the hold date. in our case 16 days . i asked why it was just not returned and was told because they would have charged me 7.00 i stated oh well the employers bank was paying all charges related t o thier error and should have been our choice to either have wf redeposit for payment or for us to collect the funds from the check ourselfs. i guess thier hope was for major nsf charges for normal monthly bills paid thru our account. they had allready made 36.00 in late fees on our mortgage payment for every month our mort was late in the two years he was out of work pretty much the whole two years by the way no help with the mortgage either. it was insulting to us since the first thing we did when he went back to work was take out a high interest loan to catch up our mortgage pymts with well fargo. we ate beans and soup for 2 weeks i bet the employees of wf eat well from all the profits they get from their customers that stay loyal pay all thier late fees and nsf fees when they are down and out. i was basicly told when i went back on weds thats how they roll and believe it or not he said it with a smile...
The complaint has been investigated and resolved to the customer’s satisfaction.
repossesion
My Wife Passed away on March of 09 we were buying a car which the loan matured on the same month that she died. We had delayed 4 payments during the 6 year loan, also the car was in her name. I call 2 days after her death made payment arrangements was even given a bereavement discount of $500 making it 4 payments commencing on April and ending in july of 09. First payment was made on april 4 which I was still getting letters and phone calls from their collection dept but I was assured by the customer service rep that every thing would be fine.
On May 13 they repo the car before I can make the 2nd payment of 4, now we've bought the car in 2003 cost 17, 000 with the loan interest 27, 000 over a 6 year period and they repo with less than 1, 000 left from a 2-widower that's just just about as low as you can get! Now I'm seating here typing this complaint waiting for the office to open to see if i can get my car back I would never use Wells Fargo for anything as a matter of fact this is just another example of the greed and heartless nature of "doing business as usual" in this country I am so sick of this that's what's going to bring this country down! I havce a chance to leave the U.S. and I think I will I was trying to explain to a friend in Canada the situation and they just couldn't understand That because it doesn't make sense!
As soon as I can I'm out of here as long as we have greedy corporations
a regular person can not make it
So Long Folks!
The Bible says don't mistreat widows and orphans if you do and they cry out to me I'LL TAKE IT MOST SERIOUSLY I'll show my anger and come raging among you with the sword and your wives will end up widows and your children orphans
-exodus 22 v 22-26
The complaint has been investigated and resolved to the customer’s satisfaction.
I am one week behind on my loan. I just refinance with Well Fargo 55 days ago. For two years I made my payments on time. I asked for a certain date of the month 30th for payment date. They said the close their books on the 23rd. That's the best they can do. Well, two can play that game. I don't drive the SUV anyway, fortunate to out right own another car. So I hide the SUV in my friend's garage across town. They will never find it. Then I took a second job for a couple of weeks to correspond payments to their date. I never do business with them again.
uncompromising compassion
Been a customer with Wells Fargo for more than 20 years. I am done with their cheesy business ethics. Take bail out money, cancel credit cards which dont have high balances and on-time payments, and screw me with a mortgage rate I can no longer afford. What happened to the customer focused business? Believe me, all these banks that are screwing people today will need our business in the future and I will let them sink to the bottom bits of the deepest trench of the ocean!
Consumers are doing all we can to survive and the banks are taking advantage of the situation to milk as much as they can unethically (although legal). I am done with banks and so should you. Take your money out, store it in a safe and pay cash for everything. If you keep your funds in a bank, they will get their share somehow.
I am blessed, I have a job that pays $120k+ per year with full benes and I can pay my bills with no problem. But I am fed up with the current banking practices. I would suggest not just to complain here, but start writing your news agencies and congressmen. One voice joined together can move the needle.
The complaint has been investigated and resolved to the customer’s satisfaction.
My parent is a cosigner on my checking account (mind you I am a 25 year old College Grad with a Professional Job, not a high school student) and my parent was also a previous Wells Fargo Customer until they becamse so frustrated that they closed their account and moved to another bank. While Wells Fargo said they had closed the account, twice actually, they kept making payments on things that my parents had made arrangements to pay through their new banks. Because my parents beleived their account was closed, they were no longer putting money into it and kept 'overdrawing' (on a bank account that was no longer supposed to exist). Instead of calling, e-mailing, stopping payments as they were instructed to do, not only once, but twice, they just deducted nearly 1500 dollars out of my account without any type of notice at all because my mom appeared as a co-signer. The interesting part is that only about 400 dollars of this were actually payments, which my parents said they would pay for since they would pay for it anyway, and the rest were just bank charges. WELLS FARGO wouldn't even reverse the extra charges, said what they were doing was legal, and actually went on to do it again. I will be closing my account. Just because they have a 'legal' right to do something doesn't mean that it is justified or ethical. They were many other means to handle this situation that would not have been detrimental to any party involved. Ignorant people on a power trip or knowledgeable, caring staff?... I bet I can guess.
How do you pass legislation to protect the public?
If any of you are in the media, post something and I'd be glad to be involved...
keep calling, but don't have a loan with them.
About 3 weeks ago, Wells Fargo Auto Finance started to call my phone (not my primary phone) leaving me messages that seemed very important. I was very alarmed as I don't have any loans with Wells Fargo (I am debt free), so I was super afraid that someone was trying to use my credit. I called the phone number: [protected] . The first thing the woman asked for when I called was my Social Security #. I told her absolutely not was I going to give her my SS#. I told her that I don't have any clue why they are calling. She transfered me to another woman. Had to tell this woman my situation again. They kept trying to get information out of me. Finally they transfered me to the woman (I think it was her) that first called me. She said that someone used me as a reference. The name she gave was not even someone I knew. I asked her what address I lived on. At that point she said I should tell her what address I live on. I told her I was done speaking with her & was calling my credit monitoring service to make sure nothing was on my credit. I also told her to stop calling. Checked my credit & everything was perfect. 4 days later (last Sunday) the calls started again. They left a message on Sunday & Tuesday. Wednesday I called Wells Fargo Bank to find out if this was even associated with them. The woman said yes. I told her what was going on & told her that it was a bad reflection on Wells Fargo how this company conducts business. She took my information & said I would be put on a Privacy list. Well the calls continue. On Friday alone, I counted 8 calls. All hang ups.
I have put my #'s on the Do Not Call list, but have found out that these companies to not have to comply cause the are trying to collect debt. Next I changed my recorder to have the sounds that sound like my # has been disconnected. Also just installed the Telezapper to my phone. Don't know if any of those will work. My next thing I am ordering is a whistle so when I can get them to call again, I will blow the whistle to the person at the other end of the phone. Hopefully after I am able to do that, these fools will stop calling.
This all started when I took the Unlisted block off this #. It is not my primary # anymore. I only have it cause I need a dedicated # for my buildings security door system. I have been having super weird credit debt collector calls for the last 5 months. As stated before, I am debt free so I know that it is all a scam.
I really learned a lesson from this. Before calling anyone back, take a deep breath & reverse look up the #.
If anyone has any suggestions to stop all of this, I would appreciate it.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am having the same problem with Wells Fargo Auto. The only reason I have a landline because it came with the Cable Bundle. I have not had a telephone in my home for almost 3 years. I have tried on numerous occasions to stop the calls, even calling the number back [protected] to let them know I don't know the person that they are referring to and to take my number off their list. They said that they would and just yesterday I received another call. I think this is harrassment. One more call and I will start a campaign of harrasment against them. Help, before I get my whistle.
omited information and lied about repayment plan
In December 2008 my husband had a heart attack. In January when things calmed down and we were ONLY thirty dates late, we called Wells Fargo to let them know that it was a temporarty problem. At that time, they offered us a repayment plan. About one hundred dollars would be added to the existing mortgage payment until the arrears was paid off. Two weeks later, our mortgage payment was dropped by almost one hundred dollars from tax exemptions but the repayment amount stayed the same. Then we were paying two hundred dollars on the repayment amount. Another two or three weeks past when I noticed that the intitial amount I gave them to start the repayment process, as well as the additional amount above the standard mortgage amount was not being applied to anything. When I called them back, they told me then that do not accept less than a full months payment and that anything above that goes into suspension until there is enough to pay an entire months mortgage. We would have liked to know that in January, not March. Because we were not making a regular mortgage payment, we had to call them every month and make the payment by phone, which cost five dollars more than paying on line. In April I realized that the "Repayment Plan" that they had put us on was running us almost 57 days late every month. I called again and made the partial payment to catch up on March's payment and they still wanted the initial repayment amount (now only 20 days late on current due) and was told that I could not cancel the plan, only they would cancel it if the full repayment amount was not recieved by the earlier agreed upon date. So running two or three weeks late, plus the late fee, is not a hundred dollars less than the repayment amount and the catch up will be corrected June 2009, not January 2010. Plus I will not be over 30 days late for over a year. These people lie and omit information to make it look like they are trying to help. Don't believe a word they say.
The complaint has been investigated and resolved to the customer’s satisfaction.
I had a similar issue. I had gone through 2 layoffs and a total of 14 months of unemployment without missing a payment. Then in November of 2007 I had to make a decision, either pay the mortgage or monthly bills, there was not enough cash for both and if I were to pay the mortgage I would have to over night the ayment to get it there on time. I called wells fargo and told the seemingly "nice" customer service peson my dilema who proceeded to tell me about a repayment plan where my payment would be divided up over 10 months at at the end I would be current. Sounded good to me so I hung up and proceeded to take all the cash I had and pay my monthly household bills. A week and a half later I get paperwork from wells fargo reconfirming my conversation which looked ok, so I signed it and mailed it back. Fast forward 5 months, I go to trade in my wifes car and am told my credit is so bad I couldn't finance an apple. I checked and sure enough, wells fargo was showing me dilinquent each and every month. I checked the paperwork and it said I would be reported "late" which I took to mean the payment did not arrive on the 1st of the month.
My credit has been destroyed. At this very moment I am scrambling to keep my son in college because I cannot qualify to cosign a student loan. I have contacted State Representatives, Senators, the Attorney General and my complaint even found it's way to the Comptroller of the Currency who agreed like others I have a legitimate complaint but not their jurisdiction. I finally got somebody from the executive complaint department at wells fargo on the phone last week and after I made it clear I want nothing from wells fargo but my credit restored I was told it was my responsibility to ask the question as to whether it would hurt my credit or not. Wells Fargo has gone back and listened to the conversation and has reported everything that was said during the conversation accurately but they continue to convienently leave out the part of whether it was disclosed to me that it would destroy my credit.
I am looking for help here anyone have any ideas on how to fight this battle. I just want my credit restored.
Pete
First of all I'm sorry that you've had to go through this! I am just relieved to know that someone else has gone through the identical situation! One payment, not even 30 days late became 90 days late a month later (um, I'm an English teacher, not a Math teacher, but isn't that 60 days?). Wells Fargo had hit my credit with 90 days over 9 times in less than a year. After adding up all of that time, we hadn't even owned the house that long! I'm not really sure how we'll recover from the huge blow to our credit, they've trashed it! Right now they're supposed to be "examining" our loan to "rework" the terms of the loan, but that been going on for 3 months now. I don't think they're actually doing anything.
common thieves
Wachovia is an evil institution that employs some of the most ignorant [censored]s I've come across in years. I had a checking account with Wachovia for the specific purpose of keeping my money separate from the money of an organization that I was affiliated with. I never overdrafted my account, not once. After I parted ways with the organization, I left a balance of $1.15 in the account.
Nine months later I get a statement in the mail that tells me that I am overdrawn by $3.49. It says that I was charged a $5 "dormant account fee". The same day I receive the statement I receive a phone message from Wachovia. I return the call to Wachovia at the number provided and speak to a cordial woman who tells me that she can refund the charges and close my account if I wished. I informed her that I did want to close my account, and she said that she would do that. I heard her clicking away making notes to my account. She also informed me that because of the timing, I would probably receive another statement with another $5 charge shortly before I received a refund check for my original $1.51 balance and a statement showing that all of the fees had been removed and the account had been closed.
Indeed, about a week later, I received a statement showing another $5 dormant account fee and a balance of -$8.49. About 15 days later I get another envelope from Wachovia, but it is neither a check nor a statement reversing the charges. It was a collections notice for a negative balance of -$48.49. It seems that Wachovia charged me an overdraft fee on top of the dormant account fees. Seriously, WHEN did this jacka** bank decide that it was a good business practice to steal customers' money instead of simply issue a check in order to close a dormant account?
So...I call Wachovia to find out what the problem was - why my account was not closed and refunded as promised. After being switched FIVE TIMES to the wrong department I finally got to a competent human (lamentably without much power) who was able to actually investigate the problem. She agreed that there was indeed a problem, but it was one that she could not fix. I asked to speak to her supervisor, who I refer to the dumbest b***h I've ever had the displeasure to speak to. She told me that I should have taken care of the problem when I first discovered it, and I should just take responsibility for it and cough up the money. "You should have visited a financial center...you should have called customer service..." Hello, B***h?! I just finished telling you that I DID call and I DID take care of it, YOUR bank screwed up, NOT ME! Ugh! I asked to speak to her supervisor. She assured me that there was no one else in the bank who could help me, that she was the final authority in account services. PLEASE! I GOT TO YOU IN ONE TRANSER! YOU'RE BARELY A SUPERVISOR! She told me that there was no record of my having spoken to anyone about my account. After hanging up with her I spoke to someone else at Wachovia who said that they COULD see the call.
Anywho, I filed a dispute at the collection agency (which the bank refers to as their "recovery department") and was told that I would receive a resolution within 30 days in the mail. It's been about 2 months and I've received no resolution, but I have received a collections notice from a brand-spanking new collections agency!
These a$$holes are going down. I've not yet figured out how, but trust me, they WILL refund my money and stop this collections [censored]. This is not the first company that's tried to screw me.
Guy -
Actually, there was no mention of a dormant account fee in my original paperwork. According to Wonder-Bank, it was one of those "...may be altered at any time with or without notice..." deals. The fact that it is legal does not make it ethical, nor does it make it a sound business practice. This is one bank that should just be allowed, if not encouraged, to fail.
I will not pay them a single cent. For the amount in question, it can not get any worse. It has already hit my credit report. I will fight them for the next 7 years if I have to, until they can no longer taint my credit report with their nonsense. I've done it before, and it worked out just fine.
The complaint has been investigated and resolved to the customer’s satisfaction.
im just going by what ive seen, they do sound like a ### bank
Im sure the dormate fee was stated in the documentation you signed when you opened the account. The bank did nothing wrong and it is perfectly legal, I agree they probably could have handled it better. Id pay the amount you owe before it gets any worst.
about 800 % ripp off
A Wells Fargo - America's Servicing Company
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,
Hy & Rosemaire Cho
ASC/A Wells Fargo
Mr Dick Kovokovich CEO
7495 New Horizon Way
Frederick, MD 21703
The complaint has been investigated and resolved to the customer’s satisfaction.
a real chance to stop them
Please, this is a chance to make a real difference with regard to the way Wells Fargo Auto Finance does business. I spoke with a Wells Fargo Rep this morning, and tried to make arrangements to bring my account current (I am behind a payment, like millions of Americans, I had lost my job, and only just recently got a new one). I informed her that I could make the current past due payment on Monday, and she flatly refused to accept any payment.
After having spoken to 3 different reps at the company, the best they would do is say that they wont accept the past due payment in full on Monday, and wished me good luck (I do have audio recording of this conversation).
Following the conversation, I contacted the Consumer Affairs reporter at one of the local network affiliates here in Columbus Ohio, explained the situation, and played him the audio from the call. After explaining to him what had transpired, and pointing out that Wells Fargo Bank had already received $25, 000, 000, 000.00 (that is $25 Billion) in bailout money from taxpayers, and explaining the lending practices, interest rates, etc. He has expressed a strong interest in doing a story on them.
I will be meeting with him next Wednesday to discuss what they are doing, and he thinks that they can be brought under fire for what they are doing. He feels that an expose on their practices can have a serious impact on what they are doing, and that the story of what they are doing does have a potential for full network coverage, if enough examples can be provided for what they are doing, it would be a great help.
Even if this doesn't stop them, in our local market, which is very substantial, it will put pressure on dealerships to stop using Wells Fargo Auto Finance, as well as other preditory lenders, as a source of financing, at least in the local market in Central Ohio. This is a large market, and if the only way to hit a company like this is in the pocket, this should do it.
I am asking for your stories regarding Wells Fargo Auto Finance in particular since they are tied with 2 other banks that have recieved more Federal Tax Dollars for "Bailout" than anyone else, and are engaging in the exact same practices that have helped lead to the current financial problems here in America.
This is a real chance to change them. Please, send your stories to [protected]@yahoo.com
I will review and submit them to the reporter during our meeting next week, and will send out responses to all with regard to the story and its' progression.
I will be posting this to every board I can find, and should you stumble across one that does not have it, feel free to post it there until May 5th (I need time to get everything together before my meeting)
Thank you
Jefferey Watson
The complaint has been investigated and resolved to the customer’s satisfaction.
Jeffrey,
My name is Darlene I live in Atlanta GA. My husband is sick he is taking chemo. He has not worked lets see the last day was 2-23-09 and on and off as he could. He is a truck driver started taking treatment and the doctor took him out of work. and now he is out till 12/2009 I have paid on two cars i know 1, 000 in one month. i pay and make araingments with them. They tell me when I talk to the people in the day You are not in bad shap we just want to keep you under 30days. Well my husbands phone rings 24 hrs a day the weekend people are so ugly. They say I will come get you car ware are you at now. Then what is your address well you have it front of you do you not. Now they say if we come get one wet take the two you have with us. Well long story short They say I had a bounced payment in March. If you talk to the person I have his name and number he will tell you I did not they put all the payments I was making on one vehicle and tlet the other get 90day behind. so when they tried to fix it they have me so confused I do not know what to do. I am ready to just give them the cars back. I would likd to keep the truck it is my husbands he is sick and that is the only thing he wants to leave to our son. They say I can not do that If we take one we take all. Even if it is currect. They see I have paid ontime till my husband became sick. THEY WILL TELL YOU THAT. I am so sick of every Monday Morning my cars will be gone. Someone needs to do something with this company. Now we get notice they are changing the payment website. Even on my payment website when I go to make a payment I have a Extra account they do not know what it is and can not take it off. I SAY CLASS ACTION MY EMAIL ADDRESS IS DARLENELASS@CHARTER.NET. IF ANYONE CAN HELP WITH US.
poor customer service
Wells fargo customer service, loss mitigation department is a joke. I live in cincinnati and their location is somewhere in california.. I find this company to be elusive, unreliable, disorganized and just pathetic. We own 2 house (Statistic), cant get any help from them on payment arrangements, we had a loss to property which insurance paid for, but put them on the check to endorse. I can't get the company to endorse this check. They want it sent to them to put in escrow... Yeah right! I have already paid the contractors out of pocket. Now they want an inspector to come and make sure the work was completed. That is fine, but they will not tell me what company, and keep changing the date on how long company has to contact me. 5/3 bank has been easy and wonderful to deal with. I would never recommend wells fargo to anyone. This has been an absolutely miserable relationship and experience to deal with...
The complaint has been investigated and resolved to the customer’s satisfaction.
October 7, 2010
Dear Wells Fargo,
I am disappointed that your bank has recently terminated the personal banker that I have been using for the last several years. As I understand it, she was let go for a lack of new sales. Well, I am terminating my relationship with you for a lack of understanding that it is better to serve your existing customers than to obtain new sales.
Last summer my daughter's credit card was cancelled while she was in Honduras volunteering at an orphanage for five weeks. Her card was upgraded, automatically canceling her existing card. I contacted wells Fargo before she left the country to notify you that she would be out of the country for five weeks and where she would be. I was reassured that I took the right step contacting the bank beforehand. This debit card was the only way I could get money to my daughter.
When I was notified, in writing, that her card would be cancelled I called the 800 number and spoke to four different representatives and got two different alternating stories. It was an automatic upgrade or the card was compromised. Nobody could provide a through answer. I was switched from representative to representative. I never did get a straight answer. Nobody provided any customer service, except Carol Anderson my personal banker. She went the extra mile to arrange a wire transfer to a bank in Honduras so my daughter could get enough money to complete her stay and return home. She apologized that such a mix up could occur. Why would Wells Fargo upgrade a card when they had already been notified that the card hauler was going to be out of the country for five weeks?
Carol Anderson was the only reason I didn't cancel all my accounts at that time. Now you've gotten rid of the only person who was willing to help me during a crisis. If it is your attitude that customer service is secondary to obtaining new accounts, fine. Go get some new accounts, because I am canceling mine.
If yours is the type of bank that puts your bottom line before mine, then you're not the bank for me. One of the reasons I trusted in Wells Fargo was because Warren Buffet trusted in you. As a stockholder I'm writing Berkshire Hathaway to let them know that they should reconsider their investment in Wells Fargo, since the bank is cutting costs to spite its long term goals. If your only goal is to make money, good for you, but you make it from your customers and this isn’t the type of service that pleases customers.
Sincerely,
Michael Connolly
problem date: 04/14/11
Customer Service Supervisor Justin Mayes and female csr who would not give me her name. I found the customer service I received to be extremely unprofessional and atrocious. I filed a claim because there are fraudulent charges on one of my accounts, when I spoke to the female csr she was aloof and soon became combative when I asked for further explanation of the claims process. She put me on hold for at least 5 minutes and when she came back I asked to speak with a supervisor she gave me my claim number so quickly that I could not confirm if I recorded it correctly, as well as disregarded the instructions I had requested for the claims department to call me on my cell phone so I could hook up my fax and receive the proper paperwork to file my claim. She then proceeded to put me on an immediate hold for approximately 5 seconds and then proceeded to hang up on me. When I called back I reached a csr named Alex who was very nice and apologized on behalf of the female csr and said that he does not hang up on his customers. after I confirmed my claim number with him I requested, again, to be transferred to a supervisor. The supervisor I spoke to was completely apathetic and after I told him what happened his reaction to the situation was that of indifference. I told him I am considering moving my business to another bank, as well as pointed out that I have been a loyal customer since 1997. His response was "Is this your first bad experience you have with Wells Fargo's customer service?" to which I responded that this was not my first bad customer service experience I had received from Wells Fargo. Supervisor Justin Mayes said "Well if you would like to switch banks that is your choice" I asked him if Wells Fargo was even interested in keeping my business and he, again, told me it was up to me but there is nothing more he can do for me. I am so upset by this horrible customer service experience and absolutely appalled that a business would blatantly disregard a long-time customer, such as myself, if this is the type of customer service and behavior of their csr's and supervisors that they deem acceptable then I will choose to move my business and recommend that my family and friends move their business elsewhere.
I have an insurance check I need Wells Fargo to endorse. First my wife tried to get it endorsed as both she and I are on the policy, but since her name isn't on the mortgage the branch she went too told her I was the only one who could get it in endorsed. So I took it in to a branch near my work waited for twenty minutes to be told both of us had to be present. WTF? Why? I asked, it is our policy. But she already endorsed the check and I am the morthage holder and the manager at the other branch said I was the only one necessary to b present to get it endorsed.
They act like it is their money. If they want to control the insurance, let them pay the damn premiums. This is why we stopped doing business with them a decade ago. I have been procrastinating on refinancing but I am not going to wait any longer, unless the damn government defaults and screws up the interest rates.
Well, our Wachovia Bank has now become Wells Fargo - and it's a huge debacle! Money is taken out of our account 2, 3, 4 or 5 days before the payment due date. When i questioned why this is done, when Wachovia removed the money from our account on the due date, I was given a lot of mumbo jumbo - nothing that was a good answer. When i asked where my money goes for these days that I don't have it and the biller doesn't have it, I was told the money is in "limbo." I have to assume that this is a another way of saying that they are holding the money in order to make interest off of it.
Additionally, accounts that were set up to receive electronic bills and e-pay can no longer be viewed, such as the bills from Bank of America and Macy.
The local branch has been flooded with people compaining. My husband couldn't deposit his paycheck (written on a WF check) and get $300 dollars because he doesn't have an ATM card! What does an ATM card have to do with depositing a paycheck at the window? He has his business accounts at this bank - now Wells Fargo and will be pulling his companies accounts out - moving them to another bank!
Save yourself - don't get involved with Wells Fargo - ASAP i am switching banks!
It can sometimes be cheaper for a company to get new customers than to keep old ones. Regardless, new sales are usually required to maintain a job in the banking industry, and since it seems as though your banker failed at that, she was rightfully let go in this competitive working world. Though no one can truly know all that contributed to her termination (there may be more to her story).
Wells Fargo - Awful bank
Wells Fargo - DO NOT WORK FOR THIS COMPANY!
Wells Fargo - Illegal activity
Wells Fargo - unfair mitigation practices
Wells Fargo - Fraudulent charges
Wells Fargo - Awful company
Wells Fargo - terrible service
Wells Fargo - Unauthorized billing
Wells Fargo - Chg Billing Date
Wells Fargo - Overcharged
I currently have an auto loan with wells fargo and they are the most rude and unreliable company I have ever dealt with. These cumter service are rude and they hang up on you! and speak to you any kind of way! I wish I would have never gotten a car loan with them because these people are disgustingly nasty! Do not do busy with These people. I authorized a payment and the funds were they're they waited 7 days after the initial due date... Then said I spend the funds when I called to complain they said I spent the money and I DID NOT SPEND THE FUNDS they are completely idiotic... I called to complain they said oh hold for a second and hung up! I called back 7 times and they different agent every time hung up... The have a script going that they can just hang up on you and blame it on another call center or agent! BE VERY CAREFUL OF PRE-AUTHORIZED ACH CHECK PAYMENTS ONCE YOU AUTHORIZE ONE PAYMENT YOU VERBALLY GIVE THEM THE RIGHT TO WITH DRAW THE FUNDS FROM THAT DATE OF AUTHORIZATION UP UNTIL 6 MONTHS LATER IF THEY WANT TO... PLEASE PLEAE FIND A BETTER BANK IF THEY'RE ARE ANY OR A CEDIT UNION WITH GROWTH OPTIONS!
excess payment on car payment
I made 1 payment of $100 on the 23rd of April. When I checked my Bank Statement online. I noticed 2 payments of $100. I only authorized 1 payment. Since i feel it is no longer safe to make online payments because of this. I will NOT be making anymore payments online. I called your office and they said that they were not able to refund that additional $100 back into my bank account. Thank You
The complaint has been investigated and resolved to the customer’s satisfaction.
FOUND ONE CLASS ACTION AT THE LINK BELOW FOLLOWED BY THE CONTENT OF THE ARTICLE:
http://www.lakinlaw.com/CM/ClassAction/WellsFargo78.asp
Wells Fargo collateral protection insurance - Lawsuit FiledA class action has been brought on behalf of a resident of Carlyle, Illinois against Wells Fargo over the practice of obtaining and charging borrowers for unnecessary and unauthorized collateral protection insurance (CPI).
The suit alleges that Wells Fargo Financial Illinois, Wells Fargo Auto Finance, Inc, , and Wells Fargo Financial Acceptance Illinois, Inc. violated the Illinois Collateral Protection Act, the Illinois Consumer Installment Loan Act, and the Illinois Consumer Fraud Act.
LakinChapman attorney Rob Schmieder represents Hardin and her fellow class members. "Collateral protection insurance is insurance coverage purchased unilaterally by a creditor for protection against loss of or damage to property serving as collateral for a loan. Under Illinois law, lenders can only purchase this insurance and bill borrowers for it under very limited circumstances and following strict notification and disclosure rules. Our lawsuit alleges that Wells Fargo has systematically engaged in the practice of obtaining CPI and billing borrowers in violation of state law and without the required notice."
Schmieder explained that Illinois law only allows lenders to obtain CPI and charge borrowers if the borrower fails to provide evidence that the property used as collateral is otherwise protected with insurance coverage. Based on the experience of Hardin and other consumers, this lawsuit alleges that Wells Fargo has systematically engaged in the practice of unilaterally obtaining CPI at the borrowers' expense even when the borrowers have provided evidence of other applicable insurance coverage.
In addition, the lawsuit alleges that Wells Fargo failed to notify borrowers that it had purchased CPI and that CPI was not required if the borrowers could provide proof that they actually had insurance on the collateral at the time.
"By failing to provide this legally required notice, Wells Fargo deprived borrowers of the opportunity to avoid charges for this insurance, " Schmieder said.
Brad Lakin, the Managing Partner of LakinChapman, said, "Class action lawsuits are a powerful tool to protect consumers from unfair business practices. While it would not be worth an individual consumers' time and expense to bring a lawsuit over what might be a small amount of money in an individual transaction, consumers can join together in a class action to recover their damages and stop companies taking advantage of their customers."
LakinChapman regularly represents consumers in class action litigation. Those seeking more information may contact the firm at classaction@lakinchapman.com (consumers), or [protected].
I think we as consumers need to take action against this type of theft that is presently unrecognized and flying under the rader. We need to contact some local attorneys and look into a class action suite against Wells Fargo. There are records on the internet showing that there was just another class action law suit against them not too long ago about taking eroneous fee's. Perhaps they have reverted back to business as usual already.
poor service and misleading /scam
Mr. Harry Schaefer, a retired consultant for Wells Fargo with 39 years experience in the mortgage business advised me to contact Wells Fargo about thier 3 step program in an effort to lower my current interest rate. He is currently working for another Mortgage Company. I have a current home mortgage loan with Wells Fargo in excellent standing. I contacted them on 3/20/09 to inquire about lowering my rate. After a 2 hour phone call pre-qualifing me, I was told I was pre-approved for their 3 step program, meaning no cost to me for any of the standard closing costs even the appraisal. My credit score is 802, my loan to value is only 63% and my debt ratio is only 30%. They were to lower my interest rate from 6.25% to 5.125%. After many phone conversations and repeated faxes for additional information and a phone consultation with Mr. Harry Schaefer it was determined that they were not calculating my debt correctley. I own my primary residence in addition to 4 rental houses. Two of the rental houses showed a small negative cash flow in 2007 due to remodeling 2 kitchens in 2007 and the other 2 houses showed a substantial positive cash flow netting a total positive cash flow of over $7, 000 for the 4 houses. Your underwriter is not properly calculating this income by showing the debt on the two mortgages with a negative cash flow instead of bracketing them as they are all four rented with verified leases on all. Futhermore, no major expenses were done in 2008. Also, my payment is being decreased by over $1, 000 monthly for the new finance.
1. Credit Score - 802
2. LTV % less than 65%
3. Debt ratio 30%
4. 2007 Tax returns supplied with 5 k1's completed for 2008 which show ample income alone without spouses income supplied yet as an extension has been applied for 2008 returns.
This is the most incompetent staff I have ever dealt with, I am in the Real Estate business for 25 years. I just called Customer Service to find out the status as no one has had the decency to call me back. I was told by a Linda White that she had no one I could talk to, not a supervisor or anyone and when I questioned why she responded that she was just a temporary agent and that she didn't really care what I did. I am appalled to say the least and if this is not rectified immediately I will post this incompetency on the local news as well as newspaper and what ever other relief I find available. Is this just a scam by Wells Fargo to mislead people to refinance and not approve anyone? If I can't be qualified I'm not sure anyone could be by your Comopany. By the way I have 3 loans with you all in excellent standing obviously with an 802 credit score.
I gave written authorization for my loan processor and her supervisor to contact Mr. Schaefer regarding this loan process and neither one bothered to call either of us and as I am closing this letter I still have not received a phone call back as I put 2 messages in first thing this morning.
Very Disgruntled Customer
Sherri Apakian Offer #[protected]
[protected]
Harry Schaefer [protected]
The complaint has been investigated and resolved to the customer’s satisfaction.
I have had nothing but problems with Wells Fargo since the beginning of escrow. It is now week 7 since the owner's of the property accepted our offer and WElls Fargo initially told us that we needed to only put 20% down then 6 weeks into the process they did a bait and switch and changed it to 30%. Of course this gave us no time to get another bank involved. We came up with the 30% and now, 2 days before the end of escrow, they tell me that they forgot to lock in my rate. We were initially given a 5.25% rate which changed to 5.125%. We were told that we would be locked in at 5.125%. They would not tell us what rate they are giving us today but the current listed APR is at 5.5%. What a bunch of scammers and incompetent employees they have. The whole process has disgusted us. Who do I go to issue a formal complaint? Aren't there rules and regulations in that industry?
I was told all that WF needed to close on my loan was for WF to be furnished with my HOA's insurance binder and if I could do that within that day my loan would close on that day itself. (This request came 3 weeks after the appraisal of my home.) I immediately requested for a copy to be sent to WF.
A week later (end-April 2009) I received a call from my loan processor telling me that the underwriters are now requiring additional documentation (such as W2, paystub, etc) because these are new conditions imposed on all loans closing in May 2009. We could have closed early April 2009 had WF not dragged its feet on the application. So what happened to the minimal hassle 3-step re-financing process? I do not have a problem with furnishing additional documents, but I resent the fact I started the loan application process in March 2009 and furnished all requested documentation on WF from the outset. I had even offerred to furnish them my pay stubs and W2, but was told that that was not necessary.
I am just stupified by the actions of this bloody bank. My husband and I even have our savings account with WF. I asked to speak to the underwriters, but was told that she did not know who they were. I wrote an email to my loan processor and she told me that she forwarded the email to her supervisor whom she said was going to give me a courtesy call. It has been over 2 weeks already and I have received no call to date.
We are pulling our funds out of WF and will be banking with another bank. We are also looking to refinance the mortgage with another lender. Honestly, we would rather pay the originating fees and closing costs than continue to pay ingrates.
Well, I just learned they denied my app as well. Due to temp work and obligations. Why is there a program like that at Wells Fargo? Isn't it to reduce the likelihood of missing payments? If I can afford to pay the current payment, how could I miss or not make $300 LESS payment?
I tried to talk to their underwriting, they said I cannot. I am calling back the loan officer who took my app...
Gee-Kay
I am currently doing the same 3-step refi by wells fargo. I sent everything in and I am waiting for their Underwriters to get back with me.
I hope I do not get the run around...
Garyian
state of america
Yes Last time I checked this is still America! I was born and raised here yet I walked in to my bank in the USA
and felt like I was in Mexico city. I live in the USA not Mexico yet my banks Posters are all in spanish with the exception
to some very small ones off to the side. I find this very disturding I would not mind 50/50 but not put before the English language.
THIS IS AMERICA NOT MEXICO ! ALSO tired of the mexican flagg being flown over here. This is America if you want to fly the
mexican flag than take it to Mexico and fly it on Mexico SOIL NOT America SOIL! Pledge allegiance To AMERICA OR GET OUT !
The complaint has been investigated and resolved to the customer’s satisfaction.
Get over it True American.
Maybe you should get out of New MEXICO if you don't like latin culture! Move to the sticks with "them" hillbill American Folks!
amen.
you are paranoic. if you go inside they will speak to you in engklish. all the papers and documents will be in english. just the fact that the bank is in a very latin populated area is enough for the bank to ad a lot more in spanish. lets not fight about who is more patriot and who is not, lots of latin blood has, is and will be bleed for this country and nobodie can denied. know what...they have rights too!
on-line payment system
All Wells Fargo Auto Finance customers use cation when making on-line payments. Two months in a row I have made on-line payments for my monthly car payment that have been credit to another customer's account. My account information was entered correctly but the system read the account number wrong because somebody else's account number is similar to mind. The customer servce representatives are totally unhelpful and are in no hurry to track down the missing payment in order to credit it to your account because they have received their money. But in the mean time, they call you about not receiving payment (which was already made) because nobody entered a note on your account that payment is under investigation. Wells Fargo needs to use some of their bail out money to upgrade their on line payment system because the representatives said this happens from time to time (like that's supposed to make you feel better when it's your payment that got credited wrong and you're the one getting harassing phone calls).
The complaint has been investigated and resolved to the customer’s satisfaction.
overcharged
I am very frustrated at how, in the middle of such a horrible economy, a banking institution can continue to use such lude if not criminal tactics to steal money from the American public.
My husband lost his job about six months ago and we have been struggling every since. He had the only income in our home and both of us are looking for employment now to no avail. We have 4 children and our share of bills to take care of. Every penny we have has to be accounted for. Yet, this bank in the past few months has managed to steal at least $2000 from our account- claiming that it is NSF charges, which they can not tell me how these NSF charges came to be.
Everytime I call the lady I speak with can only go around in circles and never fully answer my questions. When I asked if she had a supervisor that I could speak to, she informed me that her supervisor did not handle such issues. I want to know if there is anything that I can do to get my money back. This is ridiculous and horrifying that a company can steal from people and not be held accountable. This is just the last issue I had with the bank. As you can see we went from having a positive balance to almost $300 in NSF charges, though noone could tell me how this happened.
The complaint has been investigated and resolved to the customer’s satisfaction.
The same thing happened to me as it did to Ralph. I too understand 'know your balance'. However it was my understanding that charges & deposits posted at midnight +/-. I get paid direct deposit on the 15th. On the 14th I checked my balance & it showed $55. I knew I had a $50 charge but there was no hold & I pretty much knew it would post that night but my check would be going in also. So I bought some items totaling less than the $55 that showed in my balance.
Like Ralph, I was charged an overdraft. They used the day the transaction was done, not the day it posted. I called Wachovia's 800 # first thing and was told there was nothing they could do. I asked 'Don't deposits & debits post at midnight, with deposits first?'
I was informed that the TRANSACTION was done on the 14th (even though it posted at midnight) and that my deposit didn't actually post at midnight. My deposit posted SOMETIME between midnight & 7:30 am. Though they couldn't tell me exactly when.
So, it doesn't go - deposits first, minus debits, equals balance. Wachovia uses 'fuzzy math' to their advantage and to hell with you. I'm closing my account with Wachovia and taking my business elsewhere. I'm a single Mother & like everyone else I don't take kindly to being stolen from.
As others have written, this is really about ALL banks, I suppose. One Saturday I used my debit card for several small purchases. I had the funds to cover these purchases, and late that night the combined amounts of those purchases were evident from the balance.
On the following Monday, my mortgage company sent through an electronic debit that they were not supposed to. Instead of the mortgage payment overdrafting the account, they retroactively placed the Saturday transactions in front of the Monday transactions, causing $420 in overdraft charges, and I didn't have money to deposit to pay these charges, as we only had slightly more than the combined amount of these debits. what should have been a 35 dollar nsf fee became a $420 nsf fee. If this is legal, it should not be.
There is a video called 'maxed out', in which the fact that credit card companies and banks have become dependent on these and late and overcredit-limit fees for their profits. I am not an 'eat the rich' type, but it is in fact the poor and the poor-money-manager types that they prey upon. The well-to-do might not have even noticed such a problem. Am I the only one to whom this smells rancid?
I can't believe the insane fees that Wachovia has charged to my account. Judging from all the reports I've been reading Wachovia has made a big pile of money by charging excessive NSF fees. In less than 24 hours my account went from a positive balance to being overdrawn by almost $300!
Upon closer examination I've discovered that this past year alone they have charged me upwards of $2000 in fees. I'm not rich and I don't have the kind of money it takes to withstand blows like that. Now I'm down to do I pay the light bill or do I buy groceries for the kids?
The government is up there in Washington sending the banks these large sums of money in a bailout. I'm sure that Wachovia will be getting their share of money from Uncle Sam. Unfortunately I'm on my own in this - there is nobody to bail me out. This most recent charge of $350 in NSF fees was as a result of a transfer that Wachovia made from my checking to my savings. I was unaware that the transfer was going to be made or had been made until the damage was done.
Believe me when I say that I am totally through with Wachovia. I've filed a complaint with the Better Business Bureau as well. I plan on closing my accounts with Wachovia as soon as I possibly can. I will never again do business with them under any circumstances. The only reason I really need a bank is because my employer requires direct deposit. Once I get away from Wachovia I will be very careful about how I do business with a bank again. I'm sure I can find a way to satisfy the direct deposit requirement from my employer and still use a bank as little as I possibly can.
From November 17-November 20th I was charged 8, yes 8, $35 fees for NSF and overdraft fees. They refused to send through a $90 payment and that company was allowed to continue to try and put the payment through resulting in the fees. Last month they allowed an $1300 check to go through when all the funds weren't but were there resulting in one overdraft fee. I was fine with that. They obviously knew I had my paycheck being direct deposited and knew they would get ther $200 plus the $35 fee.
When I asked why they let the $1300 payment go through and not this one for only $90 the response was, 'If we know a check is for a mortgage or something important like that we will go ahead and send it through'.
Again I asked why they sent there 8-$35 charges through and not the $90 through and the response was, 'You should have contacted the company and told them to stop sending it though.' I said, ' you should have refused the payment once and stop letting it through and charging my account everytime you reject it.'
She was not effected and said it was not a banking error. I let her know that here company was stealing my money and that my daughter's tuition money was taken by them and got no reaction other than the same canned statement about policies.
She cared more about reading me the policies about what I signed when I agreed to ank with them rather that see the big picture...8 fees in three days for 1 transaction being denied over and over is STEALING!
Anyone out there who wants to get their money back and get a Lawyer, I'm in!
I too was ripped off by Wachovia bank. I had the same problems as everyone else with the overdraft fees. It gotten so bad with wachovia for a month I received none of my paychecks and they kept saying the merchants was holding my money and sending it thru when I have subtracted the monies from my account. At this time I still owe wachovia overdraft fees and have been fighting with them to refund me over 1200 of my money but they stated I was a new customer and they will not refund me my money even though it was there error. Please don't bank at wachovia they will rip you off royally.
We (my husband and I) became a 'statistic' in October of 2008. A company that had once employed over 8 employees was done with one simple eviction notice. Prior to that we had refinanced our house, taken out business line of credit and racked up credit card debt to keep our 10 year old business afloat. Needless to say, after October everything started to go into default. We now only had one income and we in process of filing bankruptcy. While trying to use my ATM to buy groceries, I was informed that it was declined. Knowing that I had money in the account I later checked my online balance. There was a charge from DOTS-payment to RVC account.
I called Wachovia to inform them that someone made an authorized draft on my account(which by the way was just enough to completely wipe out my account). They advised me that Wachovia had taken the money and that the 'other party' on my account had an account in collections. I have two small children. When asked how I was supposed to buy groceries I was informed that it was 'my problem'. I tried to leave the accounts open because of checks that I had out, but eventually their fees ate up every dime and I had to close them and pay the NSF charges anyway.
After a few weeks of being irritated and venting, I called Wachovia and asked them to produce the 'instrument' that allowed them to take funds out of my account. I was told, after bouncing to several departments, that when you open an account with Wachovia you sign what is called a Depositors Agreement and in that agreement is an Right to Offset. That means that they can take money from your account, without notice, for any monies owed to Wachovia. Wachovia has yet to give me an actual copy of this document, but I apparently signed it when I opened my account 12 years ago...So moral of the story...If you owe money, but still need to feed your kids, you better keep some cash out of the banking system!
I keep a tight checking account. I made a deposit after the cut off time of 4pm through the wachovia atm at the branch. After making the deposit, the available credit rises the first $100.00 of the deposit. So in other words if you have $100.00 already in the bank, you make a deposit of $500.00 through the atm; just after the deposit you check your balance; the available amount of funds increases to $200.00.
After which, if you use your debit or make a check card purchase and the transaction goes over the $100.00, but less than $200.00, they send the transaction in overdraft and charge a fee. If you just get cash out of the atm less than $200.00 there is no overdraft charge.
When a debit is made, the internet shows the posting date as the next day, not the day of the transaction, yet they still put the account in overdraft. Check card purchase are just put on hold and the posting date is not available.
How can this be legal. If they are not going to allow the funds to be used they need not to allow them to be available or have some statement showing that the funds available are only available through the atm, maybe on the receipt. This seems like a bait and switch type thing, where they make the funds appear to be available, but when the customer tries to use them, other at the atm, they send the transaction to overdraft, they don't decline the transaction, they just charge the $22 or whatever overdraft fee. This caused two transactions of mine to go into overdraft, when I called and asked for the refund of fee, they agreed to give half back, but this is not good enough. But for now, I have not been able to get the other half of the fees.
No telling how many customers are having the same issue and are being charge fees like this. I am not sure how this can be legal because it seems to be deceptive.
Got slaughtered with overdraft fees. Every transaction without sufficient funds was charged $25 dollars to cover it even if the purchase was for $1.00. I over drafted about $120.00 in about 6 transactions, Wachovia charged me $250.00 in fees with more possible to come even though the institution and yourself is aware of the situation. I went to the branch to bring them cash so I can bring the account to $0 to stop from accruing anymore fees and they told me that due to the schedule of the transactions that more fees would be incurred and there is still nothing they could do to help. Wachovia's website posts the transactions at different times and dates then when they are actually made making it difficult to keep track. Since Wachovia claims this situation is not at all a banking error, Wachovia takes no responsibility or mercy but full advantage of a loyal customer. From this day on I will make an effort to tell anyone I know that banking with Wachovia Is A Banking Error!
I found one of the tricky, underhanded ways Wachovia makes money of you is when you want to obtain money from your account, you use an A.T.M. machine. I was not sure exactly what my balance was, so I asked the A.T.M. to display it . I was told my balance could not be displayed at this time by my Bank. Nice move on Wachovia's part, sure racks up the overdraft charges for them. I ended up having to guess my balance and overdrew my account by a couple of dollars.
Thus having to pay Wachovia $35 in overdraft charges.
Why cant Wachovia give me my balance from any machine when I ask for it . I am standing in front of a machine not a line-up in a check-out, there is no problem with me being embarrassed. I would prefer to be told I had insufficient funds than robbed of $35 in the name of Wachovia being benevolent towards me ! What a lie and a farce, it is legalized thievery at the very least !
I would register a complaint with the FTC or FDIC online. Give them your account number and let them investigate. I think the FTC protects consumers and they have to investigate. Whether or not, they investigate banks, I don't know but I think they have too. The FDIC is the regulator of all the banking rules. I would register as many complaints with as many of these agencies as possible.
fraud / taken advantage of my medicated mother
Please read the outline below of how my mother was defrauded by this Wells Fargo Financial center! Written by my mother: I received a call from Jonathon Mancuso of Wells Fargo Financial around November 10th, 2008 to see if I would be interested in their services as I was constantly running at maximum limit with my Wells Fargo MasterCard. I told him I had...
Read full review of Wells Fargo and 4 commentsannoying calls from [protected]
We don't have any business with Wells Fargo. Earlier we were bothered and annoyed by Wells Fargo Auto Finance, now it's Wells Fargo again. This time the phone number is [protected].
It was a pre-recording message. The brief introduction is "Hi, this is Sarah from Insurance Center at Wells Fargo.." It said the car we finance with them was not insured and by law we have to buy insurance. It also said we need to provide them this and that by calling [protected].
Below are their call logs:
4/14/2009 11:33 am
4/15/2009 10:56 am
visa credit card
I transferred a sizeable balance from a credit card with a huge interest rate to my Wells Fargo VISA who was offering a very low (2.9%) rate on transfers. The first month and a half after, Wells was overcharging me on the interest rate. I called and they agreed they were at fault and would refund the overcharged interest rate. I asked what about the inflated minimum amount due, and they told me it would be much less, and rather than the over 400.00 it stated, I could make a smaller payment without a problem. My payments are done automatically thru my WF checking account online. When I checked my account I discovered they had made the original 432.00 minimum payment instead, which would overdraw my account. When I called, they told me that the information I had been given previously was incorrect and that they could not change the minimum amount due to fedral laws prohibiting it! Yes, they agreed it was all due to their mistakes, but unfortunaely for me there is nothing they can do about it. And if I dispute the payment, my credit card will show that I failed to make the minimum amount due and I will be assessed a late payment fee as well! I feel as though this is just another way they have found to screw the customer over again. And what is to keep them from doing again? Nothing really, and I have no recourse. And why are we bailing out the banks again? So they can keep on doing dirty business practices that line their pockets.
The complaint has been investigated and resolved to the customer’s satisfaction.
will not apply payment
On april 7, 2009 I received a letter by certified mail from wells fargo home mortgage, (address on letter - wells fargo home mortgage - p. o. box 9039 temecula, ca [protected].) we are aware that we were a month behind on our mortgage (or should I say partial payment behind.) the letter stated that we were in default and that if we did not pay the total amount listed in the letter by may 5, 2009 they will accelerate the loan, and start the foreclosure process. the amount listed was $2, 251.39 this amount broken down was — $341.00 (the remainder of the payment for march - $600.00 had already been paid) $907.54 for the month of april (stated due within the next 30 days) and $907.53 (for the month of may - not due yet!) $95.00 tacked on for ("other charges" - not disclosed what the charges are for - just "other charges." best guess this is a fee for their supposed drive by inspection of the property, nobody ever comes to the door, or leaves anything saying they were here, or drove by, if you call customer service, and confront them about it they just say they "drove by" and tack on a fee for it.) we had already paid the $600.00 of our $907.53 payment for march, on april 3, 2009 - due too economy and decreased hours at work. this payment was immediately taken by wells fargo home mtg. and but not put towards the payment of the mortgage, but instead set aside in a "suspense account." on april 10, 2009 we paid the remainder of the march 2009 payment, in the amount of $342.00 (this included remainder due and late fee, the money was drawn from our checking account by a teller at a branch wf bank, and the payment made to the mortgage account immediately by the same teller.) wells fargo home mtg. again accepted this payment as well, but immediately put into the same suspense account - and did not! apply the total amount to our mortgage for payment for the month of march which would have only made us owing for the month of april which is now currently due, and will be paid within the month. instead they are putting the payment in the "suspense account" - not applying it to the payment, and stating that we are still in default and if the total amount is not paid balance being $1, 309.39 by may 5, 2009. they will accelerate the note and start foreclosure process. I find it hard to believe they can intentionally hold these funds not apply them to the mortgage, and then serve you with foreclosure papers for default or nonpayment. something seriously needs to be done about this company,. I don't believe they are there for the consumer, but only for themselves, and don't care who they step on or what they do. I truthfully feel there needs to be a class action lawsuit against this company for deceitful practices, so that the 1000's of others like myself and everyone on here, that have the same problem with wells fargo home mortgage can see something done about it, and stop them. I feel wells fargo home mortgage calls in excess as well when they call my home, they call 3, 4, 5, 6 times a day, call during hours that I am at work, nobody is here! and do not! leave a message. 1 phone call is plenty, and leave a message for pete sakes!
The complaint has been investigated and resolved to the customer’s satisfaction.
I have 1/2 of my mortgage payment come out of my bank account on the 1st and the other half come out on the 15th. This way I do not have one big payment come out at once, but rather, spread it across my paychecks. Each month they place the funds received on the 15th into an "unapplied" status until the other half is received on the first, then they apply the total towards my monthly payment. I want to know the federal regulation that allows them to do this. They do not pay me interest, nor apply it towards my principal balance, until the 1st of the month. The only thing I can assume is that they do not want to apply the funds to my loan balance because to do so would result in me paying less interest overall, and pay off my mortgage more quickly. Any and every other creditor I have applies all payments immediately, and I thought this was required. Why is Wells Fargo an exception? I am thinking a class action lawsuit may be in order here.
I agree. I am current on my mortgage payments, but, while trying to do a modification, they placed my 2nd mortgage in default and marked it as charged off. Even though payments are made, they place them in 'suspense' and every month, i have to call and have the payments applied correctly. there definately needs to be a class action suite against them. Please call me if you know of anyone qualified to take the case. Ken/Dawn Schweiker [protected].
whats up with the all caps? Do we have to realise when the bank receives 5 checks against are account, 4 of the for $1 and one for $5 with only $5 in the account that the bank has to clear the checks in order of the $5 dollar one first so that they can bounce the other four? That is of course until a law is passed to protect the public against the moral-less act.
We have to realise that too? or not?
Wells Fargo is not the only only doing this! I am in the military and in November of 2008 the compnay I worked for closed down due to lack of bussiness. I joined the military to make sure my mortgage was paid, it was hard on my wife and kids due to the fact I was gone for 22 weeks but it paid the bills. When I was getting ready to come home from basic training in July 2009 I call Bank of America which is our mortgage holder to apply for a loan modification to lower our payment. They sent me an acceptance letter with the terms and agreement on it, it stated that my payments would be $657.00 starting October 1st 2009 and go up just a little by about 10 dollars on October 1st 2010 which was fine. On October 1st 2009 I made a payment for $675.00 and they stated that it was applied to my account. I then missed three payments because I was not working, but in March 2010 we got a income tax return for $10400.00, I immediately called Bank of America and spoke with a girl named Kimberly! I asked her how much did I need to pay to get my mortgage caught up and to pay one month ahead? She stated that I needed to pay $2, 660.00 and that would also pay me through April too as well! I paid the amount(check by phone) and I also got a confirmation number. At the end of March my wife calls me at work and states that we recieved a ACT91 notice in the mail. I called Bank of America and asked what had happened, they stated that after I made my payment on the 8th of March, 11 days later my home was put into foreclosure status on the 18th. I spent all of April calling Bank of America, I spoke with 21 supervisors and they all said the same thing "Sir we made a clerical error, We will correct it and contact you with in 24 hours!" But they never did! I hired an attorney in May (waste of time!) they were loan modificaation attorneys! I had already accumulated all the information that was needed to correct the issue, they needed to only contact Bank of America and have it resolved, but after I gave them all the monies that they wanted, they stopped calling and working on it! The new company that I was working for also closed down on October 1st 2010. They stated that because I was not working there was nothing they could do! They had from May 2010 to October 1st 2010 to resolve it. None of the monies since October 1st 2009 have not been applied to my mortgage account! They all have been put into a suspention account, now I owe over 12k and they are selling my house on January 3rd 2011 for sheriff's sell. I have wrote to two congress men about this and they start to investigate it and when they do Bank of America calls me and apologizes for the whole issue and say they are going to correct it, but never do!
I UNDERSTAND! AND I AGREE that something needs done ASAP!
I am still going through this. In 2008 I asked about aloan modification. We were bi-weekly but in danger of falling behind on our ARM at Wells Fargo. They tacked on a 95 fee. I called and complained and they removed it since I never filled out any paperwork for a loan modification because they turned me down before I ever sent in paperwork. Then in 2009 January we were running a little behind but never went beond 30 days. Then in April we finally got behind by 29 days on our March payment. They sent a certified letter with a 95 fee tacked on again. We paid everything totaling 4595 to pay one month ahead and make up for the last payment, interest late fee and that 95 fee. Again that 95 fee popped up this last month. We have been bi-weekly and perfect for 18 months. That 95 fee is a Broker Price Opinion. They do this when they intend to foreclose on a property. The Customer Service agents play like they dont know and noone can come up with an invoice or proof that anything was ever done. I am sending them a demand letter via certified mail along with a certified letter to the Attorney General for the State of Texas. I want that fee removed and I also told them to go down the road and try to foreclose on people that are actually behind...way behind. Like an investor who is trying to have a tax write-off for themselves not someone who lives there and tries to make payments on their Homestead. This is corruption at the HIGHEST level. They did not want to help when I was strugglinga nd now they are stealing when I am current. If anyone out there has the same problem with this so called 95 fee, please post a response to this. I am tired of their business practices. They need to be dealt with They have me in Loss Mitigation when I call in even though their computer shows me current with no lates. Scary
They are doing the same thing to us and someone we know. I am talking to a lawyer on Monday, who is already handling cases against Wells Fargo for the same thing.
I'm thinking 'CLASS ACTION LAWSUIT’
Way do they think they can get away with this?
I am going through some similar things with them also. I was issued a forbearance in November of last year. I was only two months behind. I started the forbearance in December and paid all the payments on time and has not missed a payment since. My husband and I both worked for a GM parts supplier. I was presented with a two weeks notice in November of 2008, I immediately called Wells Fargo, and asked them to modify my ARM. They informed me that they would get the loan modification done. I had to go for a month and a half without any income. I called them again and they told me that they could set me up on a forbearance . They sent my husband and I the paperwork to sign, when I read the $4, 000 balloon payment, I called them and said that I couldn't do the forbearance because I couldn't afford the balloon payment. Customer service rep. told me that the balloon payment would be pushed to the back of the loan, so we went ahead and sign and mailed it back. Made all payments every month, and when balloon payment was due made my monthly payment. Got a letter about 30 days letter saying that I didn't qualify for loan mod. and that I needed to send in the $4, 000. I immediately called them and asked why the balloon payment wasn't pushed to the end of the loan, and they told me because we didn't qualify for the loan mod. I expressed to them the rep. I talked to never told me that I had to be approved for the mod. in order for the balloon payments to be pushed back. I was on the phone for hours, reps. constantly telling me that I couldn't talk to anyone in loss mitigation, because they didn't want to deal with us anymore. I finally got in touch with a credit specialist working with Hope for Homeowners and she made a conference call to Wells Fargo. They talked with she and I and told me to resubmit a hardship, etc..
Trying to keep my home my husband and I sold some possessions . We made a payment to Wells Fargo on 7/7/09 of $3300. I later find out that they didn't apply the payment until 8/6/09, which put more behind because still wanted me to pay the $4000 balloon payment. I received my statement called them and asked about how they posted this payment and why didn't the extra $750 I sent didn't apply to my account. They said they had held all my money in a suspense account, and charged me and extra $98.92 for a foreclosure fee. I told them that I hadn't received any papers from a lawyer or them concerning them pursing foreclosure. Rep. then switched me over to collections, Collections refused to take charge off my account.I was them switched to another rep. was on the phone for over 2hours, without accomplishing any thing with them. I wish the government would do something about Wells Fargo and their abusive practices, and the rude customer service.
I would ask for a Complete lifetime payment history of your loan for your records and see if everything you have paid is shown on it. Make sure to keep all you receipts for payments. sounds like they are double billing you the 2400.00.
Request all promises in writing and make sure they received to loan modify requests.
Spring of 08, my daughter, son-in-law and 3 yr old granddaughter moved in with my wife and I due to him getting laid off from his job.
While he did odd jobs for cash and helped when he could while looking for a new job, it put my wife and I behind on our bills. Utilities went up, gas for vehicles used went up, groceries went up, etc., etc.
Contacted wells in Nov to arrange payment options to get back on track. Didn't hear back from them until Dec, when a lawyers office sent me a letter wanting me to let an appraiser into my home to appraise it's value for foreclosure sale. WHAT? I couldn't believe it!
I called the lawyer office and they wouldn't talk to me without authorization from wells. I called wells and they told me to call the lawyer and ask for a "reinstatement amount". In the meantime, I gave them my information for a "loan modification" program. The lawyers office said I need to pay wells $2400 to get reinstated. I did.
I called wells again to verify they had recieved the $2400 and they had. The guy then tells me that my payments would be suspended until the loan modification cleared, and that I wouldn't have to make a payment until May (this was in Jan). I still sent in payments.
In May, I authorized my bank to do electronic 'bill pay' to wells, 1/2 my monthly each two weeks. I recieved a letter from wells, my 'modification' letter, that said for me to pay $1900 in May, $972 a month for 6 months afterward! My monthly is only $554.
I called them back and told them I couldn't afford that, could they please put what was owed on the end of the loan and let me continue to make my $554 payments? They told me to resubmit another loan modification form, with all the same information as before, and they'd let me know in a couple of weeks. Didn't hear from them until July. Got a letter in the mail again from a lawyers office wanting me to let an appraisor in again. I called wells again. The lady told me to resubmit my hardship letter and all the other things AGAIN. Meanwhile, all the money I've sent in hasn't been applied to my loan, therefore, putting me further and further behind, and racking up more and more late charges and fees. Why won't they work with their customers? Wouldn't if cost them less to help them than to take their home and sell it in this market?
PLEASE HELP IF YOU KNOW HOW I CAN GET OUT OF THIS MESS!
The same thing happened to us! I made EVERY payment on-time from September 2006-January 2007. I didn't realize I was shorting the payment by $20.00. They accepted all the payments I made and placed them in a "Suspense Account" (Unapplied Account). We ended up in a HUGE MESS! Thanks for your comment. I thought we were the only ones!
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About Wells Fargo
The company has a rich history that dates back to 1852 when it was founded by Henry Wells and William Fargo. Since then, Wells Fargo has grown to become one of the largest and most respected financial institutions in the world. It has a strong reputation for providing reliable and trustworthy financial services to its customers.
Wells Fargo offers a wide range of financial products and services, including personal banking, small business banking, commercial banking, wealth management, and investment services. The company's personal banking services include checking and savings accounts, credit cards, loans, and mortgages. Its small business banking services include business checking and savings accounts, credit cards, loans, and merchant services.
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Wells Fargo is committed to providing its customers with exceptional service and support. The company has a team of experienced and knowledgeable professionals who are dedicated to helping customers achieve their financial goals. It also offers a range of online and mobile banking services that make it easy for customers to manage their finances from anywhere, at any time.
In addition to its financial services, Wells Fargo is also committed to giving back to the community. The company has a strong corporate social responsibility program that focuses on supporting education, community development, and environmental sustainability.
Overall, Wells Fargo is a trusted and reliable financial institution that has a long history of providing exceptional financial services to its customers. With its commitment to customer service, innovation, and community involvement, Wells Fargo is well-positioned to continue to be a leader in the financial services industry for many years to come.
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I did the same. I applied to Well's Fargo for a loan 6 months ago. I was approved all was going well. I paid for Appraisals Inspection and even made repairs this month because( it is a short sale) and answered all of their 24 conditions over 45 days ago. I have extended closing 3 times. I submitted all of their request and proof of income two years back and 3 years forward. Then they sent 7 more conditions two weeks ago. Met them again. Now closing is set for the last time next week.
We call them and they say they never got the condition from a week ago, but since they did get one of them they need a letter from the CC Company. How can they not get it but still request something irrelevant off of the documents they say they didn't receive. As of this week the seller will no longer wait so I will lose $3000. I have been in limbo for 7 months and told that this will go through be patient, don't apply elsewhere. We are locked on the rate and everything. There has got to be some accountability here. This is false advertizing that is causing monitary damage to would be homeowners as well as undue emotion distress. I even paid of f a loan with Wells per their request and promise to close last month and I have old and always current lines with them as well as 6 bank accounts. My income, credit and ratios are perfect according to the underwriters. I have been with them for over 10 years!.
My husband and i are going through a similar problem. We found the house of our dreams and called Wells Fargo for a pre approval letter, it came back with no problem! our credit scores are 780 and 760 the loan rep told us this loan will be an easy loan. We applied for this loan on april 25th 2009 today is june 10, 2009 and it is our commitment date, we still have not recieved our approval they keep asking us for more income documentation. We are self employed and only have one year of taxes for our business they knew this information when we applied and now it seems to be a problem. Our income is substantial and we are putting 30, 000.00 down. My home that i sold is scheduled to close on June 22, 2009 i have no where to live and still can not get an answer from the bank, they keep calling and requesting information we already gave them. We have also spent about three thousand dollars throughout this process and here we sit with out that money and no where to live this mortgage company is a scam and have put us out if anyone knows what i can do to recover my money or legal course of action against them i would appreciate the information!
After pre-approvable, committment letter, three trips to the underwritters and being told everything was "no problem" Wells Fargo could not get the information to the title company on time to close, so after being told everything was just fine the loan processor advised me to request an extention, which I did at the cost of an additional $225 dollars. The very next day after the extention approval, I called the loan processor and he said, oh by the way, the underwritters denied your loan, remember this is after the underwritters have looked three times, they suddenly discovered that I will lose part of my income in 2 1/2 years (they had the information from day one) and since my income would change in less than three years they would not give me the loan.They have tried to tell me this is an FHA guideline, but this is not true. So, because of these stupid a** people I have lost about $2000 and wasted six months of my life between looking, finding, and loan processing. four things I will do...sue them for all monies lost, report to the BBB, remove all of my money from their low-life ### stinking bank and cut their credit card to pieces in from of everyone at their local bank.