Wells Fargo Mortgage

I missed a payment, the minimum was $91. Now, they want $300 minimum. This is insane. Times are hard and things happen. And I don't mind reasonable charges, but to triple your minimum - that should be criminal. If you can't make $91, how the heck can you make $300 and all to make their CEOs richer? I saw no other option than to file bankruptcy and then they will lose. And they deserve it for doing this to people and to think my mortgage is with them. Shame on you Wells Fargo!

My daughter, a single mom of three teenagers who was abandoned by her husband, has been working with Wells Fargo (WF) since September 2011 on a loan modification. I was stunned when I started looking at websites devoted to complaints about WF, Bank of America and the six or seven other big national banks and read the hundreds of complaints so similar to hers. Her experience tracks that of other complainants precisely, even with regard to the words reported spoken by WF employees: "We haven't received the documentation we requested", "We didn't receive your fax", "You'll have to send that again", "We require additional information" and so on. And unless you were able to record what they said, which almost none of us are, you have no proof of what they said and you can't prove they actually have what you sent!

A few days ago, after almost 9 months in the so-called modification process and without notification from WF, my daughter received a letter from an attorney representing WF saying that she was now in foreclosure. After contacting WF numerous times and leaving messages for the WF employee she was working with and his supervisor, the employee returned her call and said she was in foreclosure because they had not received the documentation she had sent in at least four times. Incredibly, he told her this happened because she was not being responsive to WF's requests for info and that she would have to submit the same documents again to restart the modification process. Just prior to his callback and these blatant lies, she had talked to another WF employee who checked the computer system and verified that her last submission of documents had been received.

She has been stalled repeatedly in this fashion since last year, lied to, insulted and traumatized. She has also experienced the withholding of an insurance check for over $13,000 intended for repairing storm damage to her basement, another travesty reported by many others on this and other websites. And this is just a snippet of the outrageous behavior WF has subjected her and others to, and that has literally put her financial life on hold, all for WF's own financial benefit. After searching for a federal entity to which she could complain, I found the following website that actually has a complaint form for reporting misconduct by WF and other national banks. I encourage everyone to file a complaint with this agency so that it will get an idea of the magnitude of the criminal-like and unethical behavior of Wells Fargo and other banks which have gotten government assistance (aka our tax money and after they caused the recession/depression) to help responsible homeowners recover their homes and livelihood.

Go to the website of the federal government's Office of the Comptroller of the Currency (supervises the operations of large banks) occ.treas.gov. The OCC is responsible for inspecting and investigating the very complaints we all are making right now about the practices and behavior of WF and other banks. Morris Morgan is the Deputy Comptroller for Large Bank Supervision. In addition to filing a formal complaint using the OCC complaint form on their website, write to him directly. On March 19, 2012, he testified before the Committee on Oversight and Government Reform in the US House of Representatives. He testified about "consent orders" issued to banks such as WF and stated that "the OCC puts in place a comprehensive program for major mortgage servicers like WF to correct deficient and unsafe and unsound practices" and to "identify borrowers who may have suffered financial harm as a result of those practices in order to provide them financial remediation".

Unfortunately, he and the OCC seem to believe that banks such as WF are complying with the OCC's consent orders. Look at this statement in his testimony: "Each servicer [the banks] has established policies and procedures for providing single points of contact to assist borrowers throughout the loan modification and foreclosure processes. Actions include the establishment of procedures for communicating information about the single points of contact to the borrowers including direct ways to reach these contacts". So, WF and the other criminal banks tell the OCC they have the requisite procedures and are complying with the intent of the consent orders, and the OCC believes them? Are they taking any steps to verify what the banks are telling them versus what they are actually doing? Are they reading these websites? How many of you, like my daughter, have been bounced around among multiple points of contact at WF who in fact go for weeks and months without making contact with you or returning your calls?

Please, please if you read this post, file a complaint with the OCC so that we all can call its attention to WF's financial atrocities and unprofessional and unethical behavior toward the citizens whose money it is using to enrich itself. It is disgusting that employees in these banks, our so-called "fellow citizens" would do this to people who are customers and workers and family members just like they are. How can we allow banks, which underpin our entire economic system, to do business without integrity and honesty and fairness? And they use our money to do it for goodness' sake! Everybody, please file a complaint to the OCC right now. Give the details of your treatment and name the banks, especially Wells Fargo. Let's do this.

We had a pre approved loan with Wells Fargo and had talked to them numerous times on the Mobile Home we were going to purchase, they even set up an appraiser. Weeks after the appraisal was done, and we had already put money down on the place we were purchasing, they came back and told us they could not. Do a mortgage on a single wide. This is even after we had talked to them numerous times. My wife had already put in her notice at work and we even lost the sale on our current place. I would definitely not recommend anyone going off Wells Fargo pre approval. Even after you have the paperwork in your hand, they could back out.

Back in March, I wrote a long comment about trying to refinance with Wells Fargo and issue after issue, including an appraisal that had factual errors. Wells Fargo said we could appeal, which we did; but any adjustment was denied. We then requested a refund for the inaccurate appraisal. After several emails and phone calls, I did receive the appraisal fee back on my charge card. In the meantime, we were able to get a correct appraisal and refinance at a lower interest rate through a mortgage company. It is now with US Bank. We asked that they do not sell it to Wells Fargo.

Deceitful business practice (we need a class action suit) - Below is a direct reply from Wells Fargo as to why I receive collection calls every month on my mortgage loan even though it is current: "I apologize for your frustration with this matter. Please keep in mind that your mortgage payment is due on the first of each month. Accounts are considered past due if payment has not been received by the second of each month. Collection calls can begin as early as the second of the month, or the day after the due date of the payment."

Since when is a payment past due when it is billed on the first, not late until after the 15-day grace period, and paid on the 13th. No other company that I know of or do business with makes collection calls on a loan that is current and paid within the grace period. Wells Fargo started this about 6 months ago and I receive 1 to 3 calls every day between the 2nd and 15th of the month. The payment is made around the 13th of the month in the branch and not late. When they call, they ask for me and tell me they are Wells Fargo. Then they demand I tell them my address and other identifying information so they can confirm who I am before they will even tell me why they are calling.

I never tell them my address or anything because I cannot conform who they are and when I ask to talk to a supervisor, they tell me there are none available. As far as I know, they are identity thieves trying to get personal information. One month, I even tried to make my payment ahead of schedule on the last day of the previous month. And was told I cannot make it yet because it had not been billed and would not be billed until the next day. This means it is impossible to stop the harassing calls. Because even if I make the payment on the first, they take several days to show it posted and the calls would start on the second.

My home is underwater but the payment is paid each month and the loan is current. I can only assume the harassment is designed to get me to move my loan from Wells Fargo, so they can remove it from their books even though it is current. Making collection calls on current loans during the grace period is unethical at best and I hope it is illegal. Based on their response, it sounds like a lot of people may be in the same frustrating position. I love to see a class action suit against these idiots for harassment and discrimination against home owners who legally use the grace period.

Over the life of the mortgage loan, two payments were made two weeks late. Every other payment has been made during the normal grace period, and the loan is current. The payment is due on the 1st and late on the 16th. On the third of every month, I start getting calls from people at Wells Fargo bill collection services who wanted to know what day I will make my payment. These calls come in everyday until about four days after they finally post the loan payment, which always takes them an extra 3 to 4 days after the payment is made. They tell me I am technically late, because the payment was due on the first and it does not matter that I am in the grace period.

I have been trying for 6 months to get these calls stopped, but I just kept getting lied to. They have told me my account was up to date and no more calls would be made. They just continue to lie, lie, lie. To put things in perspective, my credit rating is 805. So my credit is great, and the loan is current. Several months ago, I tried to make my payment on the last day of the month (before it was due on the 1st of next month), and they refused to take it. They said I can't make a payment, because it was not due yet. They again, on the third, started calling me about being late when I was not.

I hate this company and do not recommend anyone ever do business with them. They are a perfect example of "too big to fail but too stupid to stay in business." I have a lot of friends in the real estate business note this is not an isolated case. None of them will recommend Wells Fargo to any of their customers. Any intelligent business would spend their time trying to collect on delinquent loans instead of harassing people who make their loans on time.

I contacted Mrs. Zena **, a loan specialist for Wells Fargo around the first of April to try and get my townhome refinanced. After pulling my credit, she said that I definitely qualify for an FHA loan and the only thing I had to do was pay for the appraisal. During our conversation, I informed Mrs. Zena that I had been turned down for a refinance in 2009 due to the value of my home. She insisted that everything would be okay. After the appraisal was completed, I had to call her because I had not heard anything after the appraisal, and she said it was turned down because the appraisal came in to low.

At this point, I was very frustrated because prior to the whole process, I told her that this was why I was turned down in 2009. She then said that they are going to get me into the Home Affordable Refinance Program and I should hear something soon. Well, again, I had to call only to find out that I was declined because I carry private mortgage insurance (PMI) which she never once asked me from the onset. After all this, I contacted Mrs. **, her supervisor, and stressed to her that I wanted my appraisal fee refunded because I was totally misinformed from the start of the entire process.

Mrs. ** stated that she would get back to me in a couple of hours or the next day. It's been a week now, and several phone messages later, and I have yet to hear from Mrs. **. I am a teacher in Cobb County and hope that someone in Wells Fargo hears my story because I will not stop until Wells Fargo does the right thing and that is to refund my appraisal fee. I am sending letters to the Better Business Bureau, Atlanta Journal Constitution, and many other media news outlets.

This is a letter that I've sent to everyone who will listen. Update on this is I got a letter from Wells Fargo Home Preservation Specialist on 5/14/2012, saying that they cannot help us now. Thank you for your time and reading this. My husband and I were misled into signing a sub-prime mortgage. I really don't know how to begin or start this letter so, here goes. In 2010, I was trying to get a new mortgage because I needed to remove my ex-husband's name off of the original mortgage. I was first approached by a lender in Florida, and they said I was approved for a 5% interest rate on my $110,000.00 mortgage. I paid $350.00 for the house to be appraised then was informed of a closing date. When the date came, I didn't hear anything, so I called and I was told that I wasn't approved and that they were sorry, but, I couldn't get my money back for the appraisal.

This was an unfair and manipulative tactic on the prospective lender's part. Then, within 2 weeks after, I received a phone call from Wells Fargo. A representative said they could help me so, I went up there. They were nice people and I told them what happen to me earlier with the other company. Megan was the lady who was helping me. She took all my information then called me back in a few days and told me, I was approved for a 5% on my mortgage. I had 6.3% with Bank of America but, they wouldn't take me ex-husband off the mortgage and I had my divorce papers saying I had to remove him. Anyway, then Megan came back and told me that I had to add all my credit cards on the mortgage too. I didn't want to do that but, she said I had to or I couldn't have the mortgage. So, I agreed. Less than two weeks before closing, she came back and said I needed a co-signer on my mortgage. I asked my boyfriend Mark, who is my husband now if he would co-sign. He did and again, less than two weeks before closing she came back saying was a problem. At the time, I had a credit score of 643 but, Mark had a credit score of 595-600 because of something that his ex-wife had not paid and he never checked his credit score before.

Megan called us and said that we only qualify for a sub-prime mortgage. I never heard of a sub-prime mortgage before. She said that we would only have to keep it for 8-12 months, it would rebuild his credit and we could refinance the mortgage after that to a cheaper rate. Mark asked about the first-time home buyer for him since he has never bought a home. She said that he would get that too but, that's not so. We asked how much the interest was and I about fell out, it was 11.63% but, she kept saying it was only for a little bit, it would rebuild his credit and then we would get it lowered. So, I was going from a $110,000 mortgage at 6.3% with a payment of $807.00 and that was with escrow to a $145,000 mortgage at 11.63% to a $1,585.00 payment. That was a lot and I was approved at first for 5% but, because of my husband being a co-signer it went up.

We weren't sure about it but, she kept saying we needed to decide because it was only good for I think 2 days or they would retract the offer. We felt pressed but, we trusted her and Wells Fargo so, we signed. I believed everything she told us and I really did believe she was looking out for us but, less than two weeks after signing the mortgage I saw on the news where they are doing away with sub-prime mortgages. The news said sub-prime mortgages were not good for the consumer and was a very bad thing that mortgage companies were pushing on some. My heart sank and I felt like a fool right then and it was too late. We just waited for the 12 months to end so, we could refinance the house.

I went to the Wells Fargo Mortgage and the nice lady there said she couldn't pull up my mortgage because I went through Wells Fargo Finance. I didn't know there was a difference but, there is. She said she was sorry but, she couldn't do anything. Then my husband lost his job and he started using his savings to pay the mortgage. I called HUD and the lady there told me to contact my State Attorney and file a complaint because what they did was wrong and something needed to be done about it. Then American Executive called and said they could help so, I trusted again because I don't want to lose our house. I didn't want to make any problems, I just wanted to be treated fair, have a fair mortgage and mortgage payment that we could afford.

We started this October 29, 2011 and I filed a complaint with Consumer Financial Protection Bureau in February too. Jayme ** called us after I filed with Consumer Financial Protection Bureau. Mr Jayme was nice and said he would look into it. Then he wrote that my credit score is 583 and that's why I got that interest rate of 11.63% but, when I was getting the mortgage in the first place, I didn't have 583, it was 643 and I was approved for 5% so, he is wrong with his report. Then Wells Fargo finally came back 4/2/2012 with a payment of $1,338.75 as a trial 3 month payment period. Don't know what the interest is or how much the lawyer's fees they tacked on at the end of the mortgage until after the trial but, that's what they said they would do. Plus, we weren't promised to get the mortgage after the trial period. Not promised if I will have a mortgage and from what I've been reading about Wells Fargo, it's not. We will pay and they keep the money then denied. If I'm even so, I might get $30,000 or more tacked to the end of the mortgage and might be upside down on the house too.

Our house isn't anything fancy, it's a simple brick house and we don't want to lose it. I work two jobs right now and the V.A. has paid for my husband to go back to school so he can get a better job. I still have three children who live here with us. I'm not trying to cause any problems. I just wanted to be treated fair and keep our home. Thank you very much for your time and for reading this.

Wells Fargo calls before you are late - on Mother's Day! They never get back to you when you request modification. This is by far the most greedy, unethical company I have ever dealt with.

I've been trying for 18 months to get a home modification loan. You try to call your loan officer that is supposed to help you. All you get is voice mail box is full. It started when they sent me a letter to pay a few hundred dollars for escrow. If not, my loan would go up $137.00. I sent it in and it went up anyway. They also dropped my flood insurance without telling me.

I lost my job in 2007. I initially contacted Wells Fargo in April 2009, after all my savings had been depleted, begging them to work with me so I would not have to miss any payments, ruin my credit, and more than likely, lose my property at the end. It has been two years now, and we are still here with no help that has been given. At one point, they even asked me to send them $4700 plus, and they would grant me a modification. That never happened, and the money was returned a year later after I filed a complaint.

I am 100% convinced that they do not intend to help any of us and are either (a) just dragging on the process so that whatever equity is in the property, the missed payments would eat it up and then when they do the foreclosure, they leave us with a negative number and hold the bag for a 1099 or worse; or (b) they are just very disorganized.

Here's what has been happening: It begins with a mandatory phone "interview." Later, documents are requested and sent in. You hear nothing for 2 months, and then one day, you get a phone call that says you are in danger of foreclosure because you have been removed from loss mitigation/modification or whatever and you would have to start over from the beginning. In the meantime, don't even try asking them about the paperwork you sent in, because he/she would have no record of what you sent in.

My hope is that Wells Fargo would read these posts and (a) realize that kicking us all out of our houses is not productive, (b) taking our properties away and selling them off for "pennies" to a new buyer does not guarantee the new owner would be able to keep things going either, and (c) vacant and foreclosed properties are not good for any community. (d) Also, I would not expect them to help everyone.

So I suggest the following approach: Carefully review the track records of everyone seeking assistance(!) and prioritize help for those who has put hundreds of thousands of dollars into the "system" over the years, buying into the "American dream" and has genuinely fallen on hardship, though no fault of our/their own. That, I think, would be fair and makes sense.

I've been trying to get a home modification done for over a year now. It's one stall after another. When I call to talk to the officer in charge of our case, I always end up with their voice mail. I leave a message for them to please call me back, but I never hear from them. The last time I talked to them, once again, another document was required. Now, I learn that my home is up for a foreclosure sale dated for June 26, 2012. I have been continuously lied to by everyone at Wells Fargo. I have been making my payments faithfully for the last 6 to 8 months just to find out that they are not honoring our contract agreement to where my taxes and insurance are to be paid.

Now, not only am I still running behind in my mortgage but now, my taxes are behind and my insurance is not being paid. Wells Fargo is destroying me financially and I have no credit thanks to them. I now have to hire an attorney to help me save my home, when all I wanted was for the bank to help me. But all they want is to see me fail and take my home that I have worked so hard to keep. I need help, please.

In September of 2011, my husband and I decided to separate. We immediately called Wells Fargo regarding our FHA loan to see if we could get a modification as me and my four children would remain in the home. They said that they could not help us unless we were behind 3-4 months in payments. Up until this time, we had never been late on a payment before. So, after the 3 months of not paying, we started the modification process and my husband turned in all the proper paperwork. After 5 months the bank said they would not modify the loan because I am not on the loan and my husband would not be living here, I am on the deed.

I called them to see what I could do and they said I would have to assume the loan. I told them that I have been a stay home mom for 14 years and have a part time eBay business and am receiving child support and alimony and that I could pay $1,300.00 a month (our mortgage is currently at $1,800.00), but I could not assume the loan due to my credit. They said they could not help me.

I live here in Alabama with my four children, moved away from all my family in California for my husband's job and now, they will be foreclosing on my home on June 20! I tried to make payments of $1,300.00 to show them I could pay this amount and they refused the payments. First, I don't understand how when we first notified them, they didn't tell us that they couldn't do it if my husband wasn't living here and second, they would rather take a loss on the home (the house in this market will never sell for what it's worth), kick me and my four kids out, then to help me! It makes me sick!

Wells Fargo is my mortgage lender. We sustained extensive roof damage during a hailstorm on 3/29/12. We followed the process of informing our insurance company and a field adjustment/assessment followed. We have received the repair check from the insurance company, which has been written to myself and Wells Fargo. The local branch manager was unhelpful as I was informed that I had to go through "a process" to release funds to begin the project. In speaking with the Property Loss Dept at Wells Fargo, I was informed that they require additional information including contractor estimate and Wells Fargo forms to be completed and mailed along with the check that they require I sign over to them. Mailing a signed check does not seem to be a very logical request.

This process that is required is unreasonable and will significantly delay my roof repair. Once Wells Fargo receives the requested information, they then will decide if when and how much of the funds they will release. During this time, Wells Fargo will be profiting from interest on the retained funds. If the funds they choose to release do not sufficiently cover the materials to begin the project, then I will be required to send additional information to justify why I need enough money to begin the project. There original plan, thereafter, is to require that I stop the project midway to allow an adjuster from Wells Fargo to evaluate the process prior to releasing any remaining funds.

A roofing crew can not stop a 2-3 day roofing project midway to wait 3-5 business days for a Wells Fargo adjuster to make an appointment and then evaluate the progress. Their required procedures are inefficient, unnecessary and unacceptable. I will soon be refinancing my home loan with a better bank.

I received the WF Home Mortgage unemployment program offer. The fact that the balance comes due at the end of the six months rather than being added onto the end of my loan prohibits me from accepting this offer. I don't know if this offer is what President Obama had in mind, but I don't expect to be able to repay the difference in six months. I would not be able to repay the money at this time, and I don't anticipate being offered a job within the six months. I'm a 60-year-old woman that employers no longer want to employ. In this poor economy, employers are hiring young, fast production workers. They aren't seeking out seasoned employees. It's a whole new work world and I don't seem to belong in it anymore.

Anyway, since I don't anticipate being able to repay approximately $1800 in six months, I'm forced to reject your generous offer. I've been with the bank since 1975 and this is the fourth time that WF has jerked me around over these supposed Obama solutions with no results. I want to say that I hate Wells Fargo for making a fool out of me again, thinking there was some kind of mortgage relief hope just because the president says there is and everyone takes months to tell me that there isn't any hope after all.

Sixty years of paying my bills, having good credit and being a loyal customer apparently doesn't mean anything after all. I obviously was raised in the wrong generation. Being a hard-working, good employee didn't keep me employed now either. There's something drastically wrong with our society, our government, and our businesses, and it saddens me to have to be a part of it all.

Our mother passed away on Dec. 2. We discovered that she had a reverse mortgage with Wells Fargo. We contacted Wells Fargo to let them know that we were going to sell the house, which we did on Feb. 3. They informed us that we would need an appraisal. After a heated discussion, they agreed that we didn't really need an appraisal. When we called to get a payoff balance, they charged us for the entire month of February for interest plus an appraisal. When asked how they got an appraisal since we had the keys and there was no way to see the house, they said they got an "outside" appraisal. Also, when asked how they could charge for something like that, they said because HUD says they can.

I wonder how many elderly people are taken advantage of because they don't stand up for themselves or don't understand. We said that we wanted a copy of the appraisal and they said we would have to request it. We think they charged us for an appraisal that never happened or needed to happen as they were paid off at the time of the sale. How many poor, unsuspecting elderly people are being gouged by Wells Fargo?

I have tried in the past to refinance with Wells Fargo and had been denied. I was told my debt to income was not sufficient to go forward with the loan. The debt they were referring to was my mortgage! Since then, every time I visit the bank for transactions, I am told I should apply for a Wells Fargo refinance. I would always tell them I have already tried and had been denied. Then, one day, I called to ask a question about my accounts. And again, they told me about a new refinance program that would save me money. I told them about my history with Wells Fargo mortgage and they assured me this "new program" was different. I spoke to someone in their refinance department who said by looking at things he thought I would qualify.

My mortgage was handed over to a loan officer who never returned my phone calls or emails. She lost paperwork and asked me to simply send it again. And the best part? I was told I was denied because my household didn't make enough money. Apparently, it was listed on my application that my husband made $150 a month. I told her this was not correct and she said, "I thought when I first looked at the loan that didn't seem right." But she went forward anyway! I was so upset I asked to speak to her supervisor. I was transferred to someone I later found out was her co-worker, not supervisor. I have been back and forth with the loan officer. There have been several occasions when I have found the information they are using to be incorrect. I don't know where they would even get the information because no one ever called to confirm anything!

My husband recently commented on how we were never asked to sign anything. We have had our credit scores pulled and never even asked to sign paperwork to show we want a refinance! What a mess! I know Wells Fargo needs loans, but to continue to solicit to customers you know will not be approved is just wrong!

I thank God that I walked away from Wells Fargo and have my loan through Virginia Housing Development Authority which has given me excellent and honest customer service for the past 5 years (VHDA has never made a mistake on my account! To my knowledge, it has never lost any of my documents)! After discussing loan terms for several weeks in 2007 by phone with a Wells Fargo loan officer in Fredericksburg, VA, all loan terms were verbally agreed to and great until the last conversation with the jerk. Shortly into the conversation, he announced he would have to turn me over to another loan officer, "because (my) credit was so good." I knew then something shady was up since my credit was excellent and "excellent" credit typically, at that time, produced "excellent" loan terms!

He transferred me to another man who proceeded to tell me that the 5.25% interest rate the first man had agreed to would have to be changed to 8.5% "because (my) credit was so good." I asked him what his problem was, told him that I was not stupid, and invited him and his partner in crime to kiss where the sun didn't shine. The two ** were attempting to pull a bait and switch on me. My realtor at the time was a part of it. For the next several days, Wells Fargo and the realtor continued calling me saying I had signed a rate lock agreement and that if I didn't honor it they would sue me. I knew I had not agreed to a rate lock, much less signed one. The last time I spoke with the ** realtor, she "advised" me to find a lawyer. I laughed and told her that I didn't have to "find" anyone but that I had at least twelve lawyers sitting along the hallway right outside my office door and that, if I heard from any of them again, they would have lawyers coming out of their ears! That was the last I heard from Wells Fargo or the she **.

No doubt, the Wells Fargo ** (working with certain local realtors) were so busy pushing out so many sub-prime loans that they all "assumed" everyone would just fall in line with whatever they did. Within two days of this fiasco, I had in writing a loan commitment with excellent financing terms from another lender who told me upfront the loan would be sold to VHDA. Unfortunately, at the time, I worked in a DC law firm that closed multifamily loans for Wells Fargo. Pursuing an official complaint against a firm client was not an option. The first Wells Fargo ** I dealt with is now sitting across the street from my home in what was once a branch of Wachovia Bank.

I saw his name on an office door a couple years back when I went into the bank to cash a check that had been drawn on Wachovia. He did, in fact, have the demeanor of a **. During the course of the check transaction, the teller asked me if I wanted to open an account to avoid a $5 check cashing fee. I told her that had they still been Wachovia, perhaps, but, since they were not, I would never do business with Wells Fargo. I then explained to her that her Mr. "B" had tried to pull a mortgage loan bait & switch on me previously. She was a prior Wachovia employee and just shook her head giving me the distinct impression that she knew exactly what he was. Bottom line, I would not refer my worst enemy to Wells Fargo and I will verbally pass on my experience (with ** real name) every opportunity I get!

I talked to Ms. ** of Wells Fargo and she stated that she might be able to help out with a home loan. I have been waiting for about a week with no response. I called her and left my number (cell/mobile) to no avail. I also left her a message to let me know if there was any news to please let me know because I would like to move by the end of May (this year, of course). I also let her know that I had applied with Chase Bank and had been rejected the loan for a judgement that is on there, but still she said to send her this information. I trust that she not use this information to do me harm. Please help.

I live in Georgia and have been trying to reach someone in the mortgage specialist/preservation department of Wells Fargo for several weeks now. My home is scheduled for foreclosure due to errors with the information used to make the decision about a loan modification I applied for. I have called, left voice messages, faxed, and emailed the people in the department for several weeks. I just happen to call in and heard a recording of the foreclosure sale date of my home scheduled for this June 2012! I am devastated. I was told the errors could be corrected by talking to one of the specialists and the request for modification could be resubmitted at anytime before the sale date. No one has called me back after several attempts. I do not want to lose my home. Has anyone else had this problem? I would appreciate any help to assist me. Thank you.

Loss of Property - I lost my home because of mismanagement of this company, discrimination, etc. They were supporters of Option One Mortgage Company, who also had unprofessional personnel. My home was taken for no reason. This company should be banned from doing business especially because they handle black borrowers who used their mortgage section.

For over a year, I tried to get a Wells Fargo loan modification but they could never get the paperwork correct and gave me the runaround. The lady I dealt with was no longer employed there and nobody even took over my case for months and months. Finally, they said they were going to work with it but never did. They told me to put it up for sale so i did now there is a Sheriff's auction on my home. Unbelievable. They lie and don't even try to work with you or communicate no matter what you do or try.

We have been trying for several years to get our mortgage payment down. Every time we do, they always tell us no, we cannot help you. We both have 762 credit scores and pay everything on time! Times got tight lately due to other financial struggles and they keep calling us, telling us we can help re-fi or lower your monthly payment. Every time we try, the same thing, we cannot help you! I am so sick and tired of this company! They are the worst people ever! If I knew then what I know now, I would have never used them! We pay $1,392 a month on a house that is worth $91K, you do the math! This company needs to seriously do some revamping on how they do business! I would never recommend them to anyone or to any business I do business with, ever!

I applied for a home mortgage from Wells Fargo and was accepted. I went to settlement in Sept. of 2010. In October of 2011, I found out that the deed had never been filed in the state of Delaware and the home is still in the previous owners' names. It is now April and I have hired an attorney to try and get the house in my name. I have been paying the mortgage payment on a house I don't own. How unfair is that. The cooperation of ServiceLink and Wells Fargo have been unacceptable at the least. What if I had not found out and tried to sell the property in the future? How does something like this even happen? I have all the documentation and really just want my house to be my house. I also paid all the settlement charges so where has my thousands of dollars been all this time?

A year after getting a loan modification because I was laid off, we received a notice (from Wells Fargo) that our payments were going to increase by approximately $600/month because they opened an escrow account and are paying our taxes. We have always paid our taxes on our own in the past. We couldn't pay our taxes for 1 year due to me being out of work for almost 2 years, but we filed paperwork and were approved for installment payments by our school district via their lawyers (Portnoff). We paid them faithfully. Wells Fargo said they needed a copy of our agreement with Portnoff Law Firm in order to change our account back to the original agreement. I mailed them a copy, which they said (a while later) that they never received so they said to fax them a copy which I did. Again, when nothing changed on our mortgage, I called and they said they had no record of receiving a copy of this letter.

All the while, I had no one person to deal with. It was whomever answered my call and they never had any record of anything I sent. In the meanwhile, Wells Fargo paid off the balance that still owed Portnoff for taxes, which we found out about by our check which Portnoff returned to us with a letter stating that it was paid in full. This was last spring. We also sent out our local tax check, which was also returned to us with a letter stating that it was already paid. When that happened, we realized that Wells Fargo must have paid that as well so we sent Wells Fargo a check to pay them back for that current tax. After that, we have been making payments to Wells Fargo every month for our principal and interest (as agreed) and have been sending them an additional $150/month for the amount we would normally be paying Portnoff each month.

The statements they were sending us either didn't reflect any payment (just late charges) or it showed our payments going into a "holding account" or paying into escrow (not principal and interest) with a message stating that they do not accept "partial payments" and late charges every month and miscellaneous charges. They have not been sending us statements since December even though we have still been paying the amount of our mortgage agreement with $150 addition each month for escrow (which we have been clearly stating what the payments are for each month). Instead, they want to foreclose on us because we have not been paying the amount of our mortgage plus the additional amount they want for escrow (which I believe is around $500-600 more a month).

We have spoken to several people including Sarah **, who got in touch with us after we sent John ** an email. She, as well as the other people we spoke with previously, said she was there to help us keep our home yet has failed to stop this ridiculous foreclosure and as of Tuesday, told us there was nothing more she could do. We wonder if they have been just leading us on with false hope because this really doesn't take much to correct. We are supposed to foreclose next week even though we have continued to make our payments each month.

We are a family of six plus two pets. All we want to do is keep a roof over our children's heads, put food in their bellies and teach them to do good and get good grades so they can go to college. Without our home, I don't know what we will do. This house also has sentimental meaning to us. It is where my wife grew up, where our children enjoyed time with their Mom-mom who loved them as much as we do and played with them when they were very little and where their Mom-mom died. It has a lot of memories, good and sad, and we love our home because of it. If there is anything you can do to help us, we would greatly appreciate it.

A couple of years ago, I contacted Wells Fargo to change my payments to twice a month. I noticed that they were holding my first payment, and when the second payment was received, then they applied only one payment each month. When I called Wells Fargo, the representative told me that by paying twice a month, I was making an extra payment each year and that help to reduce the mortgage time. Other institutions, like Bank of America, are applying the payment as they are received. While Wells Fargo is keeping/using the customers money for 15 days, being the only beneficiary.

I was really disappointed, and I requested to change my payments back to once a year. I do not think that Wells Fargo is following a correct procedure. Also, my house is worth at $135,000, and they asked for insurance for over $250,000. In my opinion, this is also incorrect. I do not want Wells Fargo to continue taking advantage of the customers at any time, but especially more than ever, during this hard time that we are having for the bad economy.

Wells Fargo took five months to counter an offer on my PA property and illegally paid an agent to do the BPO and CMA which is against the law in PA. My deal fell through and they will not respond to my broker and they will not talk to me. They told me to file a complaint.

Wrongfully evicted - They were telling me that they were going to work with me. I would get an encouraging letter one day. I was wiling to give over half the value of the house in one payment. They would rather evict my children and myself. Don't tell me anything about occupied conveyance don't really help anyone at anytime. A company asking a lot of questions.

Wells Fargo offered us no cost refinance and quoted rate based on 10% equity (I have this in writing). They took a credit card number from us to charge us for appraisal if we were approved and cancelled (but they charged us without even running credit check). We were told they weren't going to charge us. I would have used a card with an interest rate if I knew that as I have a 0% intro rate card. We were approved, but they would not give us the rate they quoted. They told us we needed PMI since we only had 18.5% equity (remember, we were quoted a rate without PMI at 10% equity at no cost). Rep then didn't answer e-mails. We had to get a manager and supervisor involved. We should have stopped there. We then agreed to supervisor helping us and closing at higher rate, but then they sent us bad HUD-1 missing $700 in escrow with incorrect address and names spelled wrong and then wanted an additional $292 (approximately) to cover title fees. We decided to walk once that happened. We never got a correct good faith estimate and they just kept telling us to throw them away, as we would get a new one.

My son and daughter-in-law asked for a loan modification when my son lost his job at the end of 2009. Wells Fargo asked them to not make a payment for 3 months and they would qualify for the mod. They followed Wells Fargo's wishes, but when my son found employment in 2010, they cancelled the loan mod and tacked on the 3 months payments to their existing mortgage.

In April of 2011, my son's office closed down and he was once again without work. When Harp II occurred, they were hoping Wells Fargo would now help them. They have kept current on all of their accounts and Wells Fargo will not do a loan modification for them. I just don't understand! Why would the bank want them to go into foreclosure or a short sale? Wells Fargo is not going to get any more money for this home if it falls into a foreclosure or short sale. What is the reasoning behind all of this? Wells Fargo should be completely ashamed of themselves!