Complain about a product or service

Wells Fargo

Katherine of Schenectady, NY August 10, 2009

I have a car loan with WF and owe 3063 and some change. When I got the loan I was making double what I do now and making my payments were easy at different points in my loan I actually made double payments. Over the last two years, I fell on hard times (haven't we all) and called the company to ask for help and to see what my options are/were. I asked for a refinance and was told "we don't do that", but yet they ran my credit twice.

I was told I could put in an offer to settle below what I owed if I could prove I wasn't making what I was when I originally purchased the car. I gave them an offer of 2800 and was told by Angel that my offer was accepted and he would be faxing me the necessary paper work. I thought I was done with this company and couldn't have been happier. No conversation I had with them ended well.

The day I talked with Angel was on Tuesday. Wednesday I got a call from a different person saying I still owed 900 bucks and that my car was in repo. When I told them I had spoken with Angel and that we were settling the account, I was sent to a manager and told that Angel, didn't have that authority and that basically for 2 days I was lied to. When I lost my cool and reiterated my entire 2 day ordeal, I was told in no certain terms too bad, so sad.

For two weeks they called me 12-15 times a day starting at 8am on the dot and ending at 9pm on the dot. After I stopped answering my phone because I kept the numbers saved in my phone they began calling my job and demanded that I speak with them. When I told them I could get fired for getting personal calls they told me "well, we'd stop bugging you if you would pay us." The funny thing is this, I never gave them my work number. One time I called from my office to make a payment via phone so it wasn't late and they had written the number in my account.

When Angel first called me he demanded I pay the full amount I owed or he was sending someone to my house at 5pm to collect the car. I told him there was no way I could come up with over 900 bucks in 3 hours. He said that if I could come up with 100 bucks he could stall the repo man. I explained that I needed the car to travel to work and he said "well sweetie just think, once we take your car you can use what money you are saving for bus fare" Then he asked me if I could borrow the money from "Mommy or Daddy"....

I understand they are in business to make money but to be degraded and belittled is very upsetting and to be treated with no respect was a bit extreme. My parents came over and I explained what happened. My father tried calling them and was told "you're not on the account so we won't talk to you". They hung up on him.

At one point I had faxed them a letter from my lawyer telling them he had the right to ask questions about my account because I had filed a bankruptcy form with him and he wanted to get some info. They called him, my job, and myself all within minutes of each other looking for payment. They called my lawyer looking for payment. He was told, "how can she afford a lawyer if she cannot afford her payment." My lawyer is on retainer with my family, I don't pay him.

So what this all comes down to was, Angel was lying to me and stalling for 3 days to get a 2800 payment and then was going to hit me with fees for not paying the balance off. Even the supervisor felt no sympathy and refused to correct the situation or speak with Angel. I was told he was doing his job, even though it probably wasn't the correct way to ask get payments or company policy. Something has to be done about his company.

Carlos of clovis, CA August 10, 2009

Im filing ch 13 Bank Ruptcy and I keep getting repeat phone calls from wells fargo financial. some threating say they want the items ive perchased and some saying they can call when ever they want sence the Bank Ruptcy is barely being started. I have retained a bank ruptcy lawyer So im now following what my laywer has suggested to do and for me to file a complaint through consumer affairs.

Its bad enough I am on disabilty and suffer from anxiety and major depression and being treated and they are making me worse. I just wish they would follow state laws and quit calling. They have been countiously calling for about a month now.

Tracy of Mooresville, NC August 8, 2009

I've had this car loan for 3 years now with Wells Fargo and fell down on hard luck and really can not afford the payments but have been struggling to do so. I have been making my payments late and have also made several payment arrangments that I in turn had to break. I continue to make my payments late due to the fact I really can't afford the payments and struggle to do so anyway. I'm stuck in a 2003 with a book value of 8,000 with a loan for 20,000 with a monthly payment of 600.00 and when I purchased the car I was informed to make 3-4 monthly payments on time and I would be able to refinance the car and when I tried to do so of course the rules changed.

I'm now dealing with constant calls about my late payments and always reminded of the amount of agreements I break, my integrity is questioned, I'm told to take out pay-day loans, I've even been told to ask my landlord can I pay my rent late. I get yelled at, I get insulted, I get attitude, I get constantly harassed by the collections department within Wells Fargo these reps act as if I own them money personally and I really sick and tired of this harassment by these people

Just recently I spoke to a rep to make a payment arrangement for my June payment in August not even three minutes after I hung up from her another rep phoned for the exact same thing and not even five seconds into the conversation he took the time to READ the comments in my account to see a payment arrangement had been made.

Then not to my surprise I get a call the next day by Kip in the collections department; I then call the collections department to speak to a Manager who was just as rude and disrespectful as the reps. I questioned the supervisor as to why am I still getting calls if I made a payment arrangement and he mentioned that I was also behind in my July payments I said I understand that but my payment is due on the 22nd and it's the 4th and I'm still trying to catch up in my June payment he mumbled something that I really could not hear and just hung up on me.

It seems these reps really try to pressure you in giving your bank account information and claim that's the best way to stop the collections, what is it do they make money by these arrangements? If at all possible I'd only like to deal with these reps by mail only and if not I'd like them to follow the rules and guidelines set in place by the government and not just come up with their own tactics when trying to collect payments.

Mike of Gautier, MS August 4, 2009

My father died Jan 2006 from agent orange related cancer. As the oldest son I was named to handle all financial affairs and settle any accounts. One of the accounts was with Wells Fargo Automotive. I spoke with a representative and was told that my mother had 2 choices; turn the car in or continue to make scheduled payments. My mother decided to continue with the scheduled payments. This went on for 18 months and one day we get a call stating that we needed to turn the car in as my mother was not authorized to keep the vehicle. I explained that we were given an option and the representative claimed that it took 18 months for his department to get the letter I had written with death certificate and we had to turn the car in or refinance in a reasonable time period.

I was contacted in less than a month with threats to turn the car in or else. I went a few rounds with different representatives over the word reasonable. I asked for a letter and received one that stated that my mother was behind on payments and she had to turn the car in immediately or it would be repossed. My mother and uncle went to a local office in Jackson, Mississippi, and the office manager was just as confused as to why this was occuring after 18 months. He searched the data base looking for late payments but found none and the representatives he spoke with also stated that there were no late payments.

After numerous phone calls that went no where my mother decided to let them take the car. After the car was towed away by a local towing agency my mother began to receive letters, threats and complaints that she owed money for the towing and storage fees. Once again we went around in circles with me asking if she is not responsible and allowed to make payments, why is she responsible for any actions taken by Wells Fargo to take a vehicle that was being paid for monthly.

After a few additional threats, my mom took the issue to her lawyer who drafted a letter and we received no further calls, letters or threats. During the entire incident, I asked why we were not being reimbursed for their mistake and I was given a large range of excuses. Mysteriously we were sent a check that was equal to one monthly payment. I called Wells Fargo to ask why we were sent the check and no one could answer the question. I was sent to numerous departments and each one passed us on to the next one in line. I found it strange that a company that size was issuing checks with no accountability.

Bobbie of Shiprock, NM July 30, 2009

I read the article about how big banks are charges their customer overdraft fees. This happened to me during the month of June. Although I keep putting money back in my account, just enough to cover the overdraft fee they charge me again because it was not deposit on time or whatever and so they charge me another 35. Soon, I just gave up and all together I was charged 10 overdraft fee of 35 and when my paycheck finally came, it all went to the bank ( I have direct deposit). Half of my paycheck went to the bank and I couldn't pay any of my other bills and so to cause me to get behind on my payments.

Jerold of Newcastle, CA July 23, 2009

Hello, Prior to yesterday, we have banked with Wells Fargo since 1984. THEY TOOK 4,728.58 from my personal bank account without our approval. They made this transaction appear to be a phone transfer as if I did it. I currently owe them 39,000 on a business line of credit that the interest rate started at 5.99%. This has been raised over time to 18%. The only person prior to yesterday I have spoken with at Wells Fargo is David J as he is in the collection department.

I had faxed him a repayment schedule in June lowering my interest back to 5.99% and made this payment, every time I spoke with him he wanted a payment, 1,110 in March and would waive any back fee,s.....BY THE WAY, this account has been closed for some time yet these fee's continue to show up as new purchases on my statement. In addition I had faxed customer service a hardship letter with a reply that they currently do not have a plan for business lines of credit. The total back owed considering they said all back fee's owed had been removed is around 2k and not 4k.

While sitting with my Wells Fargo Branch Manager who by the way was witness and upset to Royce hanging up on me, we were told this amount was so high because it included 1,100 I was over my credit limit? ALL FEE'S. THIS IS WRONG! Bail Out these crook's, NO WAY. I now have re faxed them my payment schedule and the only good news is I don't owe a payment for a year.

Please remove all you money from Wells Fargo as this can happen to you! Didn't you read page seven of your original agreement? They claim it gives them the right, I have yet to see the copy I requested! BBB complaint filed!

Susan of Albuquerque, NM July 29, 2009

I have had an account with this bank since 2000 - a Minnesota account. I never had a problem - no overdrafts, nothing - until February of 2009. In November 2008, due to fraud activity, I had to close the Minnesota account and reopen one in New Mexico. The problems have occurred with the way Wells Fargo conducts its business in New Mexico. Just a few days ago, I made an ATM deposit for 274 and some change.

I have always made ATM deposits - or prefer to - since WF will make the first 100 available. If you make the deposit at a window, they will make all the funds available after Midnight. So, my balance after the deposit read on the receipt "available funds: 104.43. 30 minutes later I had a debit charge for 21.19. An hour later I had a debit charge for 1.99. That evening the account balance reflected the 100 deposit and the debit charges - around 81. The next morning. the account balance ending the previous evening read negative - the amount of the debit charges subtracted from the initial balance of 4.43. Negative at 18.75.

And, I knew I would be assessed overdraft fees. The phone bank told me I was going to be. The branch where I opened up the New Mexico account said the same thing, although two other branches felt I should not have received any OD fees, since I made the charges after I received the initial 100 credit. The issue escalated really bad at the opening branch.

I left with some pretty harsh parting words. After some hunting around on Google, I came up with numbers and addresses for Wells Fargo corporate offices. I got a very nice number and the person answered with "executive offices." I explained to him my problem. He looked at my account and saw what had happened. He also mentioned, after some researching himself, that in New Mexico the charges should be deducted and deposited in order of occurrence. He gave me his personal line and full name and said to call him the next day if the OD charges are assessed. He said he would reverse them. I asked him if he has the "power" to do that, since the opening branch refused.

He informed me that WF is tightening up, the branches are in competition with each other to make profits, and that is why they are not reversing fees, but he those in the executive offices have the authority to override the branches, and will work with the customers since the problem escalated to the executive offices, that is the customer made the attempt to take it there. It's not over yet; I still have to phone him tomorrow in case the fees are assessed. But, even when this has settled, I am closing the account, after 9 years with this bank. With few exceptions, most of their employees are very young, not much education behind them, and they will not work with customers.

I want all WF customers to know the number to the "executive offices" when they have a problem. This way, they can work around the idiots who work at the branches and at the phone bank - the young, uneducated, unprofessional children - who only suck up to their employer and engage in the same practice of ripping off the customers. That number is 1-866-249-3302. Just remember the etiquette in talking with the "executive staff" - be nice, civil and professional. They seem to want to work with customers. It also helps to call them hours after the initial problems, and maybe after downing a drink of Scotch and water. Being calm and civil with these folks gets you a lot farther than being even nice to the clowns who work at the branches and the phone banks. Also, the corporate address is 420 Montgomery Street, San Francisco 94104. I was also told by this office that the branches are tightening up and wanting to make as much profits as possible (sure, they have to prove to the government now that they can remain solvent). This info came from that person at the executive offices. I'll know the outcome after tomorrow morning. But, the experience has been awful.

DIANNE of EL CENTRO, CA July 28, 2009

I paid all of my credit cards by early 2009, and I made sure they are all paid and all closed. I do not have any. I received this letter from Mr. Taliant stating I never paid my Wells Fargo Visa, and demanded I have it paid in 10 days with a settlement of 787. This was 7/27/09. I paid them and I am asking my band for all records for payment proof. I paid Wells Fargo's collection dept. called "Primary", and I am positive I paid up to 1100, but I am requesting my bank to help me show Mr. T that he is making a big mistake. I replied back and mailed it immediately. I used all my funds to pay those bills, and I cannot pay them again and should not have to and if Wells Fargo can't do their books right, then too bad. They better learn how to do their job!!!

Bonnie of Eagle Lake, MN July 24, 2009

For six years I have had a home equity line of credit of 53,000.00 on my home. I paid cash for my home, using Wells Fargo for the transaction. I paid cash for my home, 134,000.00. In May of 2009 I received a letter dated April 30, 2009 which stated that due to the economy my financial situation could change, therefore Wells Fargo was going to lower my line of credit and restrict my use of my account. Wells Fargo believes I will not be able to meet my repayment requirements due to a material change in my financial circumstances. Further, due to my delinquent past and or present credit obligations with others. They must know something I do not.

I am still employed full time, same job, same company. My monthly payments are automatically deducted each month, so, have never been late. I have 1 credit card which is a Visa through Wells Fargo as well, I pay the balance monthly, have never carried over a balance from month to month in six years. I do believe I am being targeted because I am a widow, age 64, and the bank must expect me to kick off soon, or maybe they are trying to hasten my retirement? I do not plan to retire any time soon as I am in perfect health, and have been since childbirth! I do not know what I would do if not go to work every day. No reason to quit. I went to the bank and asked a loan officer why the bank deemed it necessary to eliminate my credit. The loan officer informed that because I had never used the full amount of the credit extended, the bank took my line of credit to give it to someone else that needed it. That is the stupidest thing I ever heard. No one asked me, when I needed 7,000.00 to buy a car, I could not get it, I would have to reapply for a line of credit now. Which after much discussion I agreed to do. I was to hear whether the loan was approved within 5 hours, via phone call or email.

4 days later the request was denied because I did not supply the required documents. I do not know what documents they refer to, certainly my house did not go down in value to 50,000.00 since I paid 134,000.00 and put approximately 35,000.00 in improvements into it in the last 6 years. I still owe 24,000.00 in that line of credit they have now resticted, which is still owed on the improvements I have made. It is really strange that since I paid 2,000.00 toward the principal balnace owed in March and April I suddenly become financially unstable and delinquent.

Shad of Dayton, OH July 20, 2009

I applied for a personal loan 3 months ago.They made me run around from one branch to another asking me to fill in many forms,signatures. After numerous followups both by calls and visits, I was told that the amount would be disbursed to my account on Monday. I called on Friday to confirm to which they said 100% the amount would be disbursed.On Monday I got the shock of my life when I received an email from them that the loan has been rejected, reason being I need to apply for secured loan. I dont understand why did they take 3 and half months to tell me that?? why was I told that the amount would be disbursed?

When I went to their branch they just apologised and said that they should have checked the procedure earlier. Is it my fault that they do not know their own procedure?? Now I am closing my credit card and my account with them. They dont even provide us an email id where I can voice my concern. Each agent in the customer service dept has a different answer. UNPROFESSIONAL!!

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