Wells Fargo
Reviews and Complaints

I am also a victim of Wells Fargo customer service. I asked them to close an acct I cosigned for son I could pay on it without my son using it again. They called me 3-5x qd and acted like my request was just a cop out not to pay .
I was treated very rudely like I was a [censor], threatened with legal fees.
I sent them 3 letters which they have online and talked to them 5x.They did not bother to tell me the acct was closed until I told them I was going to file a complaint against them . It took almost 4 mos ? I think they train people to be stupid and rude so that they can get away with costly errors on their part. They earned 300.00 in interest by witholding that information . Most people dont know how to complain. My complaint already cost them about 150.00.

I have never seen such incompetence in a huge company such as WFAF-The customer service is awful to put it nicely. I have tried to get in touch with customer service on multiple occasions and no one seems to know what the F they are doing. I get passed from one department to another and I am tired of it. I can spend 45 minutes. I call one # and the lady tells me I need to call the # I just called. She says that there must be an overflow of calls and I got automatically transfered to her. So I ask if anyone there has a clue because I've called that # many times and it always seems to be a problem. Then when I ask her if I can speak to someone in charge she says she can't help me, I have to call the lease department. I just called and I got her I explained for the 100th time. The whole experience over the last few years is why the our economy is in the toilet. Beacause these people shouldn't be allowed to answer phones since they obviously don't know what's going on. WFAF should never be allowed to service anyone or anything. It's amazing that they are still in business.

Please join me in calling Wells Fargo Auto and tell them how HORRIBLY they treat every day hard working Americans who are a month or two behind on their car payments. They threaten, harrass, tape and corner people into submission and have zero accountability. Furthermore, Wells Fargo Auto Finance is part of Wells Fargo Bank in SF CA who took MILLIONS of American TAX PAYER money to fund and sustain their business as many of us and our friends lost jobs and income in this recession.
You can VENT your feelings by calling them at these numbers:
[protected]
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These are active as of Feb 19, 2010. Wells Fargo Auto Finance seems to be in the business of shucking and jiving, ie.. you call one of these numbers, they 'record' you, and send you on to another number. It's all about getting around a 60 minutes moment. I ask anyone reading this to call, and ask them about their business practices. Ask them about the MILLIONS they've taken from us, the US taxpayer and ask them why the continue to harrass and harm the hard working or willing hard working American they call all day every day!

Let's show Wells Fargo Auto Finance who we are!

You are absalutely right about the rude behavior of this financial section, after misrepresenting and flat out lying to people trying to perchase a nice afordible home for thier family, they abruptly caused a financial disaster that caused good people to loose thier jobs, homes and more, then they tryed to do it again and the gov. had to place an oversight commity (watch dog) to keep an eye on them, and after all that wells fargo have the gall to phone people up and ask for payments on time, when they were one of the top financial banks that caused good unsuspecting people to loose thier good jobs in the first place.I'm sure GOD will make them answer for thier evil greedy deeds on that day of judgement.

the united states should start giving tests on people before they get loans, or even allowed to live in this world, too many dumb people going around, especially you, you people that write all this stuff need to get a education, you have no idea what your talking about, most of the things you discuss in your post are done by MANY finance companies, banks helped build the US...sure they can be a ripoff..but what isnt these days

I should have done my research! I recently refi my auto. Within a day the phones calls came in. First they needed my last two years of w2s at which I declined and asked why? I then called the corporate division of Wells Fargo Auto Finance and talked with a loan proccessor and he told me that they need that to sell other products of Wells Fargo products. I had already declined to sell or have my info sold within their company.

One week later and several phones calls and messages. The local branch that payed off the orignal loan calls and needs me to have the w2s. I explained that the loan had closed. I asked him why he needed this since it was already approved and had closed. He said he did not need it for him personally, but underwriting needed this. Why can't these guys understand this?

I will tell friends and family not to do business with Wells Fargo.

I find myself in the same situation as of today. Wells Fargo is refusing to refinance my home because the value is too low compared to what I owe. The reason the value is low is because of all the foreclosures and short sales in my area in the past year. The banks created the housing bubble, refuse to renegotiate ARMs when they come due, people have to walk away from their investment, the property values are lower, and then the banks refuse to refinance people like me with excellent credit, excellent job, I have never failed to pay a loan in over 40 years, and now I have no alternative but to walk away from my home as well and lose all the money I invested in the property. When my current ARM expires, the bank can raise my interest rate up to 10% and up to 5% each year thereafter, which I am sure they will do right away.

The worst thing is that I don’t even know who to turn to get advise on this issue. I have a good job, but if I walk away from the house, the bank would be able to attach my wages, which means I am probably going to have to quit my job to avoid letting them get anything. Of course this means my credit will be completely shot after spending 43 years with a spotless record. I am seriously considering moving to another country as I am absolutely sickened by what the government allowed to happen in this country that hurts decent citizens like me.

What is a responsible person to do? I feel completely powerless.

Mad as Hell in Las Vegas

I was recently denied the Wells Fargo Three-Step Refinancing. At the beginning everything looked good, excellent credit never missed a payment etc. So why was I denied, the under writers have a clause ‘if you changed jobs within the last 6 months’. In my defense I did not change jobs I was laid off from a job after 8 ½ years of service. Because your government allows companies to outsource American jobs overseas and WF you probably do as well. Yes my job was outsourced to INDIA for cheaper labor. By the way ### to congress concerning this issue! Again I never missed a payment because I saved money for emergencies but my job status denied me? I lost my job in May 2009 and started working new job August. So this really pisses me off WF that my job status has anything to do with refinancing my home. I never missed or was late on payments beginning 2001!

They did the 3 step with us. After signing the contract, we paid our first payment. Two weeks later, they changed the payment to be the same amount we were paying, and MORE . Please do NOT refinance with this company. They have inexperienced personnel. They did this, and now we can not do remodification. So they screwed us horribly. In my opinion, and apparently others on this board, They are a greedy, money hungry, banking establishment ripping us Americans off, one at a time. They are not helping people in this depression. They are making it worse. Survival, I guess. But only on their part. 23 years of excellent homeownership down the drain.

This company is a fraud. This company should be torn down. They are nothing short of parasites and leaches. One and half years of trying loan mod and heard every possible excuse from them. The top management of this company should rot in hell.

We tried to refinance our house with our Wells Fargo loan, they had sent some paperwork 6 months prior and we followed their instructions to a "T". Sent in the appraisal (which was stated on the paperwork could be our own, $300) and fee ($185) to them, only to receive statement that their policies have changed, and that they cannot refinance our loan. I fought it all the way to the loan police (I cannot remember which agency that was) only to have Wells Fargo tell us it is not their responsibility to inform us of policy changes! Bull! These are the same people who wanted to charge $25 to close out a checking account with $7.oo in it. (huh?)

We went quickly down the road to our credit union and got a better rate with them for our home than what we would have gotten with Wells Fargo anyhow. Their customer service is horrible, and their ethics are worse. They are too big for their britches and I have NEVER walked into a branch and seen people HAPPY with their jobs...

I personally will take a smaller local bank over one of the big guys ANY day!

They are many companies that are legitimate and can help homeowners stop foreclosure and keep their homes.

Mortgage Assistance Group is one of those companies that holds an "A" rating with the BBB and has help over 500 homeowners keep their homes.

They give a discount to the homeowners who have been scammed and treat each client with respect and dignity.

You can reach them at [protected] and at www.mag-az.com.

Thanks and good luck,

Randy D.

P.S. If you know someowner they can help, They will pay a $100 referral!

I have to add that the following is my experience to:
Lies from Sales Reps & Processing & Servicing!
Poor Customer Service throughout the Loan Process at Wells Fargo Home Mortgage!
Don't Use Their Services, No Cost Refi is a Lie at WFHM!
Wells Fargo Does Not Represent Any Quality or Ethics in Banking!

I also have to add that the appraiser also lowballed my property too. After comparing the properties in the area values he then went to say that because the area has been declining, he went on to drop my value another 15% from the average resent resale values in the area for similar homes. I asked a friend at the bank and he said he had heard the bank is using appraisers doing just that. How is this ethical to appraise based on something that has not happened? Wells Fargo has sunk to the lowest levels of service and ethics.

When I went in for a refinance on a 9% to take it down to 5% I was told because the loan was 15 years old, this would really cost me more money and suggested I stay at 9% for the next 10 years. Don't trust Wells Fargo --- either they have a lot of dumb people (but if you notice, everyone will say they are the manager when you call in asking for one) or they are about as unethical of a financial institution as they come.

Agree! Don't refinance with Wells Fargo! They are a mess and not truthful. Service is terrible and it does not matter if you have an 800 score or a million dollars in the bank. These Wells Fargo service stinks!

had my name on house for 40 years.refinced 10 times to build on house. told my husband it would be lower fince if he left my name offbut i would be on title. i now cant get any credit at all, no equaty, no credit. iam distroyed. this a practise of theres . they tried to do it to others.be real carefull

Tell me what happened with your deal. I'm going through this now. Their appraiser lowballed the value of my home so I can't get the better rate. She gave me $0 value for a $41, 000 solar system. If the appraiser would have given at least a $10, 000 value to the solar system, we could've done the loan at the lower rate. Service with WF has been terrible. I get different info from different people everytime I call them. This is no easy 3 step process. I think I'm ready to tell them to stick it and file a complaint with OREA for inaccurate value conclusion against their incompetent appraiser.

It is true, Wells Fargo, and their "auto-call" system is a bit out of control. Which is why I gave them one of 5 numbers that I have with a one ring "auto-answer" that is never answered or checked. When I want to talk to them I call them. I don't really expect much from them other than bad manners, wrong answers and an attitude that you would dare keep asking questions until you got a satisfactory answer.

Early in my loan I was in a very tough economic position and had to extend a couple of months on my contract. The loan "maturity date" has now come due, however, I didn't realize it. I asked a customer service representative why their websight due date never changed when I paid the full amount that it indicated that I owed. She said that I owed the full amount, I said not according to the websight, it said I only owed the regular monthly charge. She said that "her computer" says I owe it all, I asked does that mean that WF kept two separate books, one online for the customer, and the other offline that the customer was not authorized to see? (Why did I ask that?) She checked with her supervisor (so she said) and they reportedly told her to tell me to "ignore what I saw online". I notified our state department of insurance, securities and banking asking them if this is appropriate and legal, of course, they said that it was not and that what is online, legally, is what the company must go by with electronic transactions NOT what is on their internal computers that customers do not have access to.

I was advised to continue to make my payments, and because now I know the maturity date has come, to pay off the loan as soon as possible. However, I was also asked to copy WF's online screen shot each month after I made a payment and it was posted, so as to verify that once the full monthly payment requested was paid, only a regular monthly payment was thereafter requested again, and not the full amount due. I was told that this is an illegal practice that is misleading to consumers. It may not help me, but I have done what they've asked so perhaps it will help someone else. If it is happening to you, I suggest you contact your state banking regulator or Attorney General and report it.

As I will be done paying my vehicle off in the next 2 weeks, I won't be able to provide the regulators much more data.

I've worked for an auto finance company myself before, so I know what these representatives are up against. However, when they speak in absolutes about things that they are unsure of, and in fact are often wrong about, they do a disservice to themselves, but also WF and their consumer market. It is an experience I will never forget and will gladly share with all of my friends and co-workers. It is the first and last time I will do business with WF. For a company that accepted corporate welfare from the American taxpayer, they have a miserable way of showing their gratitude.

We got behind on Mortgage due to employment change last January 2008, by February I knew we had to do something it was closing in on February due payment. I called Wells Fargo Home Mortgage and did everything they asked of me, got a hardship letter, explained the whole situation 5 different times, needless to say I was told that on my credit report the Jan. and Feb would be reported late.

Well I completed this agreement in March of 2009... I have been getting calls non-stop for other charges that in-cured since this agreement was made, but never on the monthly statement. I also found out a week ago when trying to obtain a new mortgage with another company that they have reported us late rolling for the last 14 months because they put you money being paid toward the last month due. Even though the way it was explained, those Jan & Feb 08 payments that I paid extra on my mortgage each month and on time where coming off at the end. So now both me and my husbands credit went down 200 points each, ruining our credit. Anyone else having these types of problems..

I have written letters sent them to the correspondence address in Des Moines, IA, still no reply, they also stated I was late on my payment in March when it was paid to Wells Fargo Bank on the 13th and on the receipt it states it is credited on the 13th; and they are now calling me 3-5 times a day for the $32.69 late charge, The customer service reps and rude and think they can bully me into paying this, I stated NO, I have a receipt from Wells Fargo Bank stating it was paid and credited on the 13th and the late charge was put in on the 16th of March.. They really think we are stupid. Can anyone out there help me get this credit situation revised. Thanks!

Wells Fargo Bank sold this consumer a loan product rife with opportunities for fraud by the contractor and HUD consultant, yet it provides no warnings or instructions to help consumer prevent this; furthermore, it fails to accept responsibility for the payments made without the proper city inspections. Then it expects the homeower to cover (and repay) the money lost to fraud - as well as pay for the additional work now required but not included as part of the original loan because the HUD consultant failed to do his job.

WFHM began paying off on a HUD 203K loan from job specs never seen nor signed by the homeowner, which was required. Furthermore, it paid out on electrical and plumbing work without the requisite city inspections, and now all that work must be redone because none was done to code.

The Job Specs were wrong from the start, yet the bank did nothing to ensure they were accurate, and the bank's role (according to the loan documents) is to protect the construction project. In this case, the job specs that dictate the work to be done on the house did not agree with the contractor proposal (unbeknownst to the homeowner, the contractor and HUD consultant were conspiring to defraud her).

The job specs are supposed to agree with the contractor proposal; when they don't, it's the bank's responsiblity to ensure they do. In this case, when the homeowner alerted the bank that they didn't (contractor began refusing to provide what was in his proposal, telling the homeowner he only had to provide what was on the 'job specs' and that his proposal was only a 'wish list'), the bank ignored her. Furthermore, when the bank finally did fax them to the homeowner (after the contractor was fired), it showed not only was the homeowner required to sign - but also to help prepare them. Additionally, right above where the homeowner signature is supposed to be is the statement about all section 1 items.

Almost all were excluded from the job. So now, with 2/3 of the money expended, nearly all the work must be redone - and there's additional work to be done because the HUD consultant did the work write up incorrectly from the start (the addition of the Section 1 items as well as a new roof).

I have made contacts with Senators and other legislators as well as with an attorney, which is costly. Meanwhile, my home has no kitchen (not one single appliance, countertop or cabinet); its electrical wiring is done backwards and in violation of even local electrical company codes; and I'm still waiting for the coldwater knob.

These ###s do me the same way, I send in extra money and tell them to take it off the principle amount and they just decrease the next payment amount, thats so they can squeeze every cent of interest out of you, without a doubt these are some sorry ###s, I make a point to go into a local office, and make my payment now, just so I can tell them how sorry they are, , I have found that even the people that work in these offices are ashamed of Wells Fargo, , This is a matter that warrants investigation by the government, this is a rip off! I have real good credit, and my payments have never been late, I tried to get them to reduce my Interest rate, and they would'nt do that either, Its the ### in charge, responsible for this practice..No, I don't have any respect for them!

For the last 2 to 3 months, my husband and I have been receiving phone calls from this company. The problem is that they are looking for a man named James. There is no one here by that name and they have been told repeatedly that they have a wrong number. Instead of apologizing and stopping the calls, they get aggressive and keep calling. I got another call this morning (before 9 am) on Saturday Jan. 15. I told her that she again had the wrong number. She screamed at me and told me to have a nice day. Are the women there stupid? Do they not know what 'wrong number' means? We would love to know how to stop this harrassment. Unfortunately, when you call the number back, all you get is a recording. I don't know anyone's extention and even if I did, they wouldn't understand my request anyway.

Change your due date!

I had a similar experience about the same time with Wells Fargo. My home was at 85/20 debt to equity ratio as opposed to 80/20. Took them forever to tell me I was rejected. I called again since the Homeowner Affordability Act provides for refinancing of loans held by Freddie Mac if the home loan to equity ratio is a little bit outside of thr 80/20 ratio without having to pay PMI . Wells Fargo told me that they didn't think I qualified because I was not in danger of forclosure. I reminded them that the program consisted of two parts and it was the refinancing part that I wanted to apply for. I had verified that my mortgage was owned by Freddie Mac, my credit score is above 800, and I had no problems with income level, plus no debt other than mortgage, it was my primary residence. They wanted to push me into a traditional refinancing deal rather than honor the President's program. DON'T LET THESE COMPANIES PUSH YOU INTO A TRADITIONAL REFINANCING DEAL that will require PMI payment when you didn't pay PMI on your original loan. Freddie Mac requires that the refinancing for the program only be conducted by your current company, so if you have a Freddie Mac morgage, your out of luck unless you can get your company to move on the deal. Wish Fannie Mae owned my mortgage, they'll allow you to shop around and still get the benefits of the President's program. WELLS FARGO NEEDS TO GET ITS ACT TOGETHER, if it's not prepared to implement the second half of the President's program, just say so, don't refer me to a traditional refinancing where any benefit would be wiped out by the PMI requirement!

my girlfriend is going through same problem as well . we do need 2 ban together and fight this company so others don't get the same idea and cause problems for people.my email address is efoster7199@yahoo.com contact when ever you guys are ready 2 take actions .count me in

I have Wells Fargo too. I went through a divorce, a very bad one and I find myself stuck with a mortgage payment that I am having a lot of trouble paying. Wells Fargo also told me there was nothing they could do to help me. They all but laughed at me. I have been with them for 10 years and have always paid my mortgage on time. They are awful! They don't care about their customers, the only thing they worry about is the precious mortgage payment. I hope half of them lose their jobs and end up like us and find out how it feels. chill2008

will not be allowed to close on your mortgage if you don’t have insurance for your home. Home insurance covers your home against floods, fire, theft, or other problems. Unless you can afford to repair your home if it is damaged, it is usually a good idea to get insurance for your home. If your home is located within a zone that is known for having floods, federal laws may require you to have flood insurance.

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I AM VERY PLEASED WITH THE THOUGHT AND DON’T FEEL LIKE ADDING ANYTHING IN IT. IT A PERFECT POST.

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Jackson

http://www.loanmortgages.info

I have been given the run around by Wells Fargo for a year, still in my house, waiting for them to decide if they are going to help or not! Havent made a payment since last year and my husband was out of work for a year:(

Wells Fargo did the same to us! 8 months of dealing with loan modification process to be told we are to much in debt to lower our payments! Now that bought our loan during the auction and told us we will be evicted in 30 days! Wow and we were customers for 14 years

please do not give up just keep calling wells fargo [protected] in their loss mitigation dept. you can apply off line too at makinghomeaffordable.gov and fill out the rma packet with the 4506-t tax transcrpts send in your taxes w2 hl fw and proof of income and go in review once you get approved for a repy plan it only takes 30-90 days to get your new loan and only send in your docs if they call you or if it states in the notes and if you can get your processor name and number keep it! they are the ones that make your new loan any one else is just the mid person between you and your processor.

WOW... I am reading about this and I am in the same boat, given the same run around!

I have been with Wells Fargo since 2003 and now I am getting the same run around. I have never been late, actually I have been 1 month ahead most of the time I have been with them. I got a message from them yesterday telling me to call before 9pm, I called them back at 8:45pm. The new message I got was that they are only open until 8:30 now. I called back this morning and they answered the phone! I asked what the progress was on my account and they said to send in a financial worksheet and proof of income. I told her I have already done that 2 times and I am wondering if the paper work will go through this time? I was told that the imaging department can't read my proof of income. What?! I sent paper copies in the mail to them twice and they don't have a scanner that can make clear digital copies?! I asked how a huge conglomerate like Wells Fargo can't afford a decent scanner, and was told that each time the application gets "updated" that the new processor can request whatever they want. From one department to the next they have no communication and can not access the last person that handled the account according to the lady I talked to today. She said she was going to put all this in my "notes". I am very frustrated and feel that as good customers in the past we should be treated well instead of getting the run around each time we contact them about a program they started to "help" us.

My wife and I have been working with Wells Fargo since December of 08. Similar situation as everyone is going through. My wife was laid of from her job in December of 08 and right there was a $[protected] dollar a month loss of income. For me being a school teacher, It has been tough trying to live pay check to pay check. Wells fargo has been dragging their feet for 8 months, all they could offer us in 8 months is a 3 month forbearance of only $100 dollars off of our original mortgage, that doesn't even include our second. They would rather have people walk away, short sale or go bankrupt. They are not helping out the good people that have been outstanding clients up to this point. Work with the good people keep us in our homes, I guess they make so much money it doesn't matter what happens because they can take millions of dollars of loses but they could avoid that by just working with people and lower principle and interest because the person that comes in will get what the people that lost their home wanted. It is just not fare. I do not know how Wells Fargo employees sleep at night because I know I don't.

They didn't help me either on my fraud claim against David Oliver of Bipolar, or www.bipolarsupportpack.com I made one download purchase from them, and they then deceptively charged my account every month for $29.95 for a newsletter I never expressly ordered. Wells Fargo rep was unpleasant and said it was their policy that since I had once authorized a charge and David Oliver had my credit card info, that all future charges were considered "authorized" even though I had not placed future orders. Wells Fargo policy is if you ever made a purchase from a company, they can't help you with any fraudulent charges from that company. This crook sends you a free newsletter as his gift to you to thank you for your one time purchase. There are other pages in back of the newsletter and a dark gray box with small black print that says if you do nothing and do not notify them, they are going to charge you $29.95 every month for their junk mail newsletter. This is not a legitimate purchase. This is fraud and a scam. No phone number is listed in the box, and if you go through the paper and find a phone number, guess what? They never answer or return messages. Wells Fargo doesn't care about fraud or protecting its customers in my opinion and I am going to switch to another company and also try to pay cash whenever possible.