Wells Fargo Student Loans

I have a $10,000 school loan with Wells Fargo for my undergrad education. I am fortunate enough to have a good job after graduating, and my loan has finally come due for payments. I thought (am 99% sure) I set up an account several months ago in preparation for making these payments (I thought this loan was a 6-month deferment, where it is actually a 1-year). I have a log-in and password on file for this on my computer from when I created the account. When I tried to log in, I could not. When I tried to recover my password and username, the website would not allow me to, stating that I needed to call a number to set up an online account.

Figuring that I must have imagined my username and password into existence, I called the number. After giving all the information I had, account number, disbursement date, last 4 of ssn, etc., the man on the line said he could not validate my account without the date the account was created. How am I expected to retain this information? Account creation date (if they are referring to the date they created a file for me) is not information I am privy to, or notified about. I answered all of his security questions, which were apparently insufficient or incorrect. He suggested that I go to a branch with a photo ID. The nearest one is two hours away. I don't want to sound like a conspiracy nut, but it seems to me that late fees would be easy to inflict on someone if paying their bill becomes excessively tedious.

Long story short, I had attended a trade school for Barbering back in April of this year(2011). The course would last me until July 17th, and I had to attend classes from Monday-Saturday. I already have a student loan with Wachovia( Wells Fargo), which is from attending GWU in 2008. I decided to attend a trade school in 2011, because my regular 9 to 5 was not cutting it, and I was living week to week. I refused to take out another student loan to attend, so I used the money from my savings account, to pay for school.

Basically Wells Fargo wanted a payment, as soon as I graduated from this school. I just paid over $4,000 to attend this school, so I asked to defer payments. They tell me I can, after I make 3 payments, so I did. Now even though I graduated from this Trade school, I have to send in money so that I can take the test to acquire my license from the state. Making all these payments, I do not have the resources to send off for my license which would help me to establish a stronger financial foundation. I called Wells Fargo today, and they said I have to pay another month, and then they can postpone my payments for 2 months. Wells Fargo uses unscrupulous business practices, which has become the norm in the society. Every Wells Fargo rep tells you a different story. You make payments for over $250.00 a month, but only 30 or 40 goes to the principal. I hope this Institution falls down. They are a bunch of Shysters.

Not only years of rudeness and unreliable information, but charging me 15.5% interest on 89,000 dollar loans due to my ex husbands bad credit incurred after my divorce. I paid this from 2002 till 2006 when they actually lowered the interest to 12.2%. After moving back to California the interest went to 11.1% then to10.2%. I am now disabled for life and they are offering me a settlement of 8500.00 for the remaining 21,000 I owe, knowing my income is limited to SSDI payment and I have sold all to pay school loans until a diagnosis could be found. No diagnosis as of yet and for now .Wells Fargo is silent since I said I'd just go through the ed.gov concerning cancellation of my debts with them. I hate that I am unable to work, much less pay my school loans. The added stress has been very taxing. It has taken being disability unfortunately to get them to even consider negotiations.

I read all these reports and they just echo what I have experienced with WFEFS. I co-signed a loan for my daughter and when she got out of school, she couldn't get a job and couldn't pay her loans. I never received a statement, but Wells Fargo began harassing me over the phone. They refused to send me a current statement, so every payment I made was past due and this has been going on for years. To date, I have paid nearly $2000.00 and only $300.00 has gone to principle. I think they are a bunch of crooks. Where is a lawyer with guts to file a class action lawsuit against this company?

Wells Fargo gave our daughter student loan money and we had to cosign or they wouldn't give it to her. Now, they are constantly calling us and they won't consolidate the loans and extend the payoff period to make the payments more reasonable. If they would work with us, we would be able to make these payments. We tried to refinance our house and they wouldn't do it because of the student loans. They wouldn't consolidate the student loans because we have a house payment. It seems like their departments don't talk and they won't work with their customers to help them be able to afford payments. Do they want their money or not?

Wells Fargo sold my student loan to ACS. My payments went from $75 per month to $193.46 a month. I have lost all faith in Wells Fargo for them selling my loan.

I was making a large payment to Wells Fargo monthly to the one account number that was listed on my invoices.

About two months after they became due, Wells Fargo began to call my cell phone, home phone and work phone. Repeatedly telling me I had defaulted on three of the four loans I had with them. When asked to explain how this was possible, Wells Fargo told me that my large payments had only been applied to one of the loans with Wells Fargo, but "technically" I had four loans with them. So, the other three had gone into default. I requested that all the overpayments be sent to the first loan be redistributed to the other 3 loans as I assumed they would have been.

I was told this would be impossible to do, and that I had to make a onetime large payment to bring the past due accounts up to current. When I told them this would be impossible because I didn't have money to do this, this is when Wells Fargo began harassing me and my family. When they would call me, I would ask to put the account on hold, and make payments to get current. I was directed to send in forms applying for a hold. As this paperwork was being "processed" by Wells Fargo, I continued to receive multiple phone calls a day, and the past due loans continued to incur late fees and finance charges.

When Wells Fargo finally got back to me, to let me know the hold request was denied, I had lost my job and was unemployed. My fiance had taken on the household expenses, in addition to trying to keep up with my debt payments.

It was at this time that they began calling my fiance's work, cell phone, and even her family members' homes. How they got these numbers, and numbers of extended family members --I am not sure.

I called Wells Fargo to explain to them that this was my debt, and to not call any other numbers than the one on file for me. This is when I began recording my phone discussions with Wells Fargo. I was being called all times of day and night-- Sunday through Saturday.

There was always someone new calling me, and when they called it was always about a different loan (1 of the 3 in default). I would make a payment thinking that was for ALL THREE of the loans, but I received calls not two hours later stating that another loan was past due, and required payment. During one recorded phone call, the Wells Fargo representative on the phone began to call me a bad father and an irresponsible adult, because I wasn't able to make a large payment to him.

I attempted to explain that it would be irresponsible of me to not feed my children, and that the money I was offering him was all I could afford. He continued to verbally assault me; began threatening income withholdings, and that he would see to it that I wouldn't be able to afford anything-- if I didn't make the large payment right now on the phone with him.

He eventually hung up on me as I attempted to explain to him that I didn't have enough money to make a large payment to Well Fargo.

I was on Active Duty "ARMY" in 2005. I enrolled in a AIU (American On-line University) for a 3hr Economics crse, due to injurys & hospital stays, was unable to start it. AIU submitted a $5,000 GSL to Wells Fargo. I never say a penny - it went to the school. I protested it, but not to be delinquent, it was put on hold while still active till 7/2006. then I had to make payments while fitting it - even though I'm 100% disabled. after paying several 100's of $$, I found out It could be dismissed due to DISABILITY.

I still fought it because"I never submitted it" So I was called by a guy from consumer affairs/ WellsFargo, stating that if I just drop it & not persue a FED Investagation, they will clean my credit report. Well- guess who has a poor report due to late pays & such. I'm sure AIU & Wells Fargo rip off more VETs & Fed Goverment. Wasn't it found that WellsFargo was paying Iraqies!!!

I have a cosigned defaulted school loans from Wachovia, which is now owned by Wells Fargo! They never sent me a letter, no balances, just a welcoming letter.

Wells Fargo Educational Financial Services are charging me over $ 5,000 dollars on a loan that was for $25,000 dollars, they are also charging me an additional $1,123.21 for late changes for one missed payment, currently I only owe the m for one month, they currently harass me by email, voice mails on my cell phone, they have called my job, when I have clearly told them not to, they are unwilling to work with me lower my payments, I don't understand how a loan that is a student loan is considered a private loan, they also call me six times a day or more even on the weekends, I have been making payments to them since December of 2010 until now, only $80.82 has went towards my principal payment of $30,965.00

Wells Fargo Educational Financial Services calls me six times a day even on the weeked and at my job on my cell and email me constantly in addition to leaving voice messages that I need to contact them about my account, I have explained to them on the phone and by mail that by them scheduling my payment on the first of every month it would be late and could we change the date so that it would be on time,

I was told no they couldn't do this and I would have to just do the best that I can, I am not a deadbeat I have been making payments to them since december of 2010 to the present and I am only two weeks behind, it is very frustrating to me for them to keep harrassing me about what date did I send the money to them, I have been contacted by someone name Heather who called me at work and I have received many harassing calls from Laura even though they have received a payment from me on 6/17/2011. I have explained to Wells Fargo representatives numerous times that the job I have now pays me $5,000 dollars less than the job I had when I applied for the loan, but they don't care about that, help me to understand how a person such as myself who has excellent credit is being harrassed by this company I also have a credit card account with them that is always paid on time, yet they are unwilling to work with me

First, I had no choice in my student loans being sold off to Wells Fargo and if I had any choice, I would pay them off before these ** ever got their hands on them. I would prefer the devil himself service my loans, honestly. Now to the main problem, never once have I been able to pay my loans in any traditional matter, for the seven straight months WF has owned my loans. And they call up to 12 times a day and leave a voicemail. To the issue at hand, their website simply will not let me pay my bill nor set up an automatic payment. I have sent on the order of 50-60 emails to their customer complaints department and spoke with somewhere around 10-11 people from three different departments over the phone and the issue is still not resolved.

I have resorted to dispatching an email to them for every single phone call I get, to remind them that my account still is not fixed. Their website tells me that I have an incorrect routing number, when I am 110% sure the routing number is correct. I have been told at least 15 times the account has been fixed only to find out it has not. WF's only solution is to call their customer service line and make a payment over the phone. Sounds simple enough right? No, not with Wells Fargo. Every time I have called to make a payment, I am greeted by no shorter than a 20-minute wait and transfers to 2-3 other departments only to find out Wells Fargo has tacked on late fees and a $9-over-the-phone-payment charge. After arguing for 20 minutes, they usually reverse the $9 fee, but keep the late charges, essentially raising my bill up to $10 per month. Pardon my french but this is ** ridiculous and an absolute **. I am investigating legal options as I am writing this.

Wells Fargo is a predator when it comes to student loan. Our son is 31 years old, held the same job for 10 years. I would think he's old enough to handle his own affairs. But Wells Fargo wants a co-signor! Since we have got into this quagmire, the forms and rates have varied four different times. The first time, it was a fixed amount. Then, it went to variable and increased from 3.50 percent to over 11 percent. How would anyone ever know what the final tally would be? We talked to phone representatives that say one thing (they lie), the fine print tells other stories. Long story made short: We have refused to be co-signors. We are not about to conscientiously sign over the rest of our lives to Wells Fargo.

They are full of "double speak." Evil personified. If they offer certain terms, they should be disclosed before, not after the co-signor signs. I have always heard all the blanks should be filled in before signing and all questions answered. Our son is, of course, crushed as I do not know what this will do for a college future. I also wonder if the school (Art Institute of Atlanta) isn't getting "kickbacks." He is in his first quarter, and loving school. I just question why competent young adults need someone to sign on the dotted line with them. I am thankful we have taken the time to question, and read the fine print. Please, do whatever is within Consumer Affairs' parameters to make people aware of these predators of our young people and the next generation to lead our country.

My complaint i have is aganist wells fargo loan department.our son attend savannah college of art and design for 4 months in 2006.they are asking us to pay back $11,000.yes we are making payments....please help

our son Shaey signed up with wells fargo they were fast at electronically getting him private student loans when he couldnt get government loans to cover his tuition. He was on a scharlorship. they hounded him or more or less us. waited right before they were coming due to send a statement or contact anyone. But as soon as they were late it was non stop 7days aweek 5x a day and at my husbands work. everytime someone else would call and even after we made a payment they would call and I'd ask why are you calling we just made arrangements and we paid on it as co-signers. Even if our son made a payment they'd call us and say we had to make a payment too cuz we cosigned. omg.

now he has had trouble with jobs and wants to consoladate to make the interest not so strenous. nd moved home cuz he was starving himself trying to pay these loans on top of fassa loans. They refused him to consoladate saying due to a credit report frm Trans Union. THats why he needs to consoladate so he can make the payments not be sucked dry by all those interest rates on each loan! they won't work with him. and to us we may loose our home cuz we have to help him pay those loans. over 60$thousand. we stil have small children to think about and feed. Wells fargo is terrible , wont work with anyone. Dont have upto date info when they call a different person each time and call as early as 7am on sundays even. we turned our phone off . we are helping make those payments as best we can. So he cant go back to school he has to find temp jobs were avaiable untill he can get enlisted to the Air force to get away from Wells fargo. At least then he'll have steady income to pay them off. He'll have encurd debt at age 21 that we have at 45 yrs old. And he was on a schalorship and was a 4.0 student!! sos. help anyone help.

I've had enough harassment. My son has fallen behind in his payments on a student loan I co-signed. We have both contacted Wells Fargo on several occasions explaining our situation looking for options. After graduating from college, he has tirelessly interviewed for jobs. He currently is working for Target Corporation, part-time, hoping to go full-time soon. In the meantime, Wells Fargo calls me 4-5 times a day to inform me that he is late on his payment.

I try to explain that we have talked to a Wells Fargo representative and as soon as he gets a paycheck, he pays on the loan. I have put payments on my credit card at times to help get him caught up. I'm also paying on student loans. Finally last week I told the representative, this is enough. I'm tired of them calling. We're doing our best to make payments. The representative got extremely rude telling me there were no other options, nor did she care about our situation. She went on to threaten me with a lien on my house and garnishing my wages.

The real irony is that I couldn't make a payment with my credit card because Wells Fargo lowered my credit limit because of the late payments on the student loan...so I couldn't pay if I wanted to. My credit card is maxed out. When I suggested that other companies offer payment options, she replied, "We are not other companies!". I have since moved all of my accounts out of Wells Fargo including my home mortgage. It almost appears they are hoping we fail. When I asked if she preferred if he defaulted on his loan, she once again threatened me. This has been going on for months even though he's only behind by $750.00.

Wells Fargo EFS is a joke. I took a 5,500 loan out in 2006 and am still a full-time student. I was called in January to start making payments, but since I was still enrolled full-time, I was told to fax my enrollment verification. I faxed it and a few days later, I am getting called again for payments, they said they never got the fax. They also explained that I may have faxed in the wrong form, so I was directed to their particular form, had it signed in the University registrar's office, and faxed it again at the end of January. I didn't hear anything back until last week (it is mid-March now), saying the loan was in default again because I had not faxed in the enrollment verification!

For the third time, I faxed it from a UPS store, but now they are saying it is too late to send it in and that I have to make payments immediately. "Just because you faxed it in doesn't mean we got it," a nasty rep told my mom. I had asked in January if there was a more secure way to transfer these documents, I offered to scan and email the paperwork and to send it in via UPS so that someone could sign for it, letting me know it was collected by someone. They told me that I could only send it in via fax. I have my receipt from the last transmission and confirmation that it was faxed successfully to WFEFS, but they are still saying they can not accept it. This must be some sort of con, I am writing my congressman and sending it to money editors at newspapers.

On February 16, 2010, my wife went to the bank and paid in full my monthly student loan payment ($253). The clerk took the cash and issued a receipt. On the first week of March 2010, we received the monthly statement indicating the payment for February 16 was not made. On March 8, 2010, I went to the bank with my wife. We showed the receipt for payment dated 2-16-2010 to the clerk. He said we had to speak to "Marco" the bank manager. Marco told us to call at the number indicated on the statement.

We did not think it was fair that we had to call and solve the problems ourselves, because it was someone at the bank who failed to properly record the paid amount to the correct account, so we asked that Marco does the calling. He said he was busy, had many people he had to attend to. We understand that other people were there before us, but Marco was very rude. He was annoyed that we pointed out to their mistake. We asked how long it will take because the bank would close about 30 minutes later. Marco got upset, and did not provide us with an estimated time.

Marco did not apologize for the error made by the bank. Instead, Marco suggested again that we call the number ourselves with our cell phone. We responded that we did not think it was fair that we use our minutes to solve a problem they created. Marco directed us to a small office, and told us to use the office phone. After being on hold for almost 30 minutes, someone from the student loan department picked up the phone. However, no one could hear me on the other end. I screamed "No" (maybe quite loud) and got out of the bank stating that no one should bank here.

I could not believe Marco directed us to a defective phone! My wife asked for another phone. Marco told her that she was bossy and that he would call the cops unless she calmed down, which she did. While we were on the phone with the loan department, Marco actually called the cops. We were told to never came back to the bank. Marco has no social skills. A good manager would have offered to solve the problem. Or he would have called someone else (there were some bored staff in there) to assist us.

Marco could have assured us that someone would solve the problem. Instead, he chose to get rid of us instead of solving the problem that was created by someone working for him. I have my student loan with the bank. The bank gets between 2% and 7% interest for the loans (all 8 loans are consolidated on one statement, each of them with a different interest rate). My wife has 2 business credit cards. The bank gets a % every time the cards are used for any purchase. We decided to transfer the student loan and stop using their credit cards. This bank doesn't deserve any business.

Like others that have already posted their situations, I also cosigned a student loan for my son. I had no notice of payments due until I got a late notice in the mail with late fees already charged. The amount required is more than I can pay. I have been sending $400.00 per month as it is all I can afford. I keep getting phone calls, and I always ask for a consolidation of the loans to help reduce the payment amount. My son gets the run-around each time he tries to talk to someone, and I can't do anything since I am the cosigner, yet my credit is now destroyed, and I get harassing phone calls. It just seems like these people will not attempt to work with you even if you want to pay on the loans. I can't sleep and it's affecting my job, and the only way I see out of this is to sell my house, but I owe more on it than what it is worth.

I applied for a collegiate loan that was approved online for Texas A&M. I'm a retired veteran with a G.I. bill that pays 70% of school costs. I also have no bills and a FICO score of 810, which is now 802 since I applied for the loan. The school is a short expensive course of 6 weeks that costs $8,000.00 plus expenses. I wanted to borrow $12,000.00 to cover housing food and etc. This course is to learn how to remove unexploded bombs and ammo from test ranges and public places. I also have 20 years experience with the Air Force working with explosives. Civilians are earning in excess of $100,000 in Iraq doing this job. So paying back the loan is actually no problem at all. So with them telling me the loan was approved. I sent the school $1,800.00 cash for a deposit to reserve a seat.

Within days before class was ready to start they emailed me saying I needed a co-signer. Mind you, I'm 57 years old and no bills with an 810 FICO score. Well, I can't do the co-signer app. So school is now on hold; and they refunded my money. I called the loan office to ask why I needed a co-signer; they ran me around playing phone tag. One person said it was because of my debt ratio. Well, I knew they were lying because I'm debt free. They also said they called my present employer and said I was paid on commission.

That isn't true. I'm a part time truck driver and I get paid by the mile. Which still is more than enough money to pay back the loan in case all things fail. After all, this is a student loan. You're not working anyway! You're going to school! My FICO score has been lowered because of their errors. I'm not continuing my career because of this. I spent hours searching for an adult student loan. Let's face it: $12,000.00 is not much money these days. You can't even buy a good car for that.

My cosigner and I have been paying $5,000 for more than 12 years with Plato student loan. At one point, I tried to negotiate a payoff requesting an eligibility letter that would state that I would be eligible for a paid in full letter, a good credit standing, and a zero balance letter. I made that same request in 2002, 2007, 2009, and 2010. I never received that letter. Instead, they asked me to take a whole new loan. I lost thousands just trying to negotiate with Plato. I had to give them a final payment, and I have a lot of aggravation to add.

They threaten to take my cosigner home. I suggest every one to call, or email, and file a complaint through Federal Trade Commission The Office of the Controller, The OTS, Office of Ombudsmen, BBB of Nebraska. For South Dakota, the Plato address is: PO Box 5156, Sioux Falls, SD 57117-0743. I lost thousands of dollars in interest. Then they made me pay $8 to give them a check by phone for the final payment, to avoid paying the check by phone. I don't think I should have to pay all that interest because they did not take my money.

Wells Fargo/Wachovia executed Right of Setoff and passed my account to the recovery department. We agreed to $100 a month to pay back the loan. They told us that they would not send us the balance and that there is an interest fee of $2.60 a day. Heidi then suggested I take out another loan to pay everything in full. This is a very sneaky, underhanded way to do business.

The amount I owe is about $14000, but with $2.60 a day, that is an extra $1000 a year. Are they even allowed to charge interest on this? They are trying to put me in debt even more, and this is the reason that the country has economic issues.

I co-signed three student loans for my son when he attended Mary Washington University (MWU) in the early 2000's as an accommodation since he was under a legal age to contract. Never was I advised that it was anything else and in fact that is what the WFEFS people told me and him when the loans were originated. Several years ago, he left MWU and enrolled at the University of Houston, working and going to school full time.

About a year ago, his financial situation changed and he dropped out of college with only a couple of semesters left. Even when he was going to school full time as a result of a glitch in WFEFS's system, he was repaying the MWU based student loans originating for a total of $25K. While he was going to school there, I was paying the interest on the loans to keep the balances down. The payments by my son were being drafted automatic pay from his Wells Fargo checking account. Earlier in 2009, WFEFS suspended accepting the automatic payments, with no reason provided only that he had to fill out another form to start them back even though they had been set up and were paying on auto pay with their parent company.

This clearly was a ploy on the part of WFEFS to generate fees and past due income to bolster its flagging revenues since it was not disclosed by them until October 2009 when demand was made of me to make a pile of past due payments that had enured as a result. My son does not closely watch the Wells Fargo checking account and was not aware of WFEFS not taking out the payments. They did not contact him about it ever or even send a notice to him at his address of record. I provided all pertinent and current information to WFEFS representative Nathan and he refused to contact my son or let him know since he was the primary on the account, only to me as the accommodation cosigner.

I re-set the loans up on auto bill pay under Wells Fargo's procedures and in accordance with Nathan of WFEFS's instructions, making all three payable to WFEFS at an address provided by Nathan. Now in January, I received threatening notices and communications with a Darin at WFEFS advising me that the loans were seriously past due again and that I must bring them up to date or pay them off immediately. Looking upon the Wells Fargo checking account I discovered that two of the three auto payments were rejecting as WFEFS could not locate the applicable account number to process them. Now this is based on information provided by WFEFS employee Nathan.

Darin of WFEFS advised me on Jan 13th that the two of the three loans are on a different system payable to Loan Servicing Center at a different address. Getting direct information out of them has been one of obfuscation and chicanery, even outright lies. I suspect that I am only signed on two of the three loans and have requested full payment histories (some are current but assessed late fees anyway, their records are very screwed up, for example the October 2009 payment remitted to WFEFS as mandated by Nathan went all to only one of the three loans, causing more past due notices on the other two) along with copies of the promissory notes.

Frankly, I am not even sure anymore if my son went to MWU or any money was actually paid out directly for his education. WFEFS is hugely screwed up and the people there are rude and totally out of control. Kirk B. is the new alleged President of WFEFS but he is not even in Sioux Falls but maintains a residence in Minneapolis along with officing there. I am being emotionally taunted as a woman I have had to compel these vermin to speak directly with my husband despite the fact that repeated correspondence to them has clearly provided authorization. Just Friday, I had to give telephonic authorization to Janelle ** to send copies of the histories and promissory notes to my home per my husband's request, that is how freaking silly they are.

Further, when asked, Darin could not tell my husband earlier why the monthly payment on two of the three loans was a different amount each month. My husband has been in finance for over 40 years and has been a present value analysis instructor for a prominent government agency but he is at a loss to ferret out why the payments are variable as is Darin and his supervisor a mindless woman who left a voice mail at my home and whose name escapes me momentarily. She stated that if I have any questions to call her back but leaves no telephonic contact information.

I am seeking to get these greedy titans of the student loan world to either take a present value settlement as I do not work or hopefully find a lawyer who will take on these loan sharks. I may get sued for past due student loans because of snafus caused by the ineptitude and chicanery of WFEFS employees. Even if I am able to eventually pay them off or my son can do so, there are likely thousands of dollars in unnecessary interest and late fees due to escalate WFEFS income.

Wells fargo lent me money to start law school, but 24 credits before i finished they withdrew my funding (even though i never missed a payment with anyone and I provided 2 credit worthy co-signers). I relied on wells fargo to get me through school, I passed up full time work to go to school.

Then even though I am in school, Wells fargo wants me to start repaying the loans. They told me I would have 6 months after graduation before my loans went into repayment. I worry about money all the time and I have feelings of impending doom. I am bankrupt and still dont have enough money to pay for school

Basically in 1998 I had to take out a Wells Fargo loan while I was attending NU in Boston because my father was sick with Cancer and could no longer work. Since he was out of work he could not co-sign for me so I had my uncle co-sign a loan for 25,000 to pay the rest of my tuition. While still in school I had to make payments. After graduation the loan amount had not changed. 10 years later my loan is finally down to 21,000. What have I been paying for 10 years? The payments have been from 200-400/month. You can never defer, never make lower payments, they don't help you or work with you at all. Combined with other loans I am paying almost 1000.00/month and WElls Fargo is just taking my money and none of it is going toward the principal. PLEASE HELP!

I received a past due notice this afternoon in the mail and called Wells Fargo to get some information. This is the first notice of any kind I have received from Wells Fargo. I spoke to two representatives and they were carbon copies. The first person (Annie) was unwilling to answer my questions and wouldn't take no for an answer when I said I would make the payment until I spoke with our son. I actually had to tell her to shut up so I could speak. When I calmed down, I called back and received the same treatment. Since this was my first contact with Wells Fargo, I wasn't about to make a payment without speaking to my son. I have never had anyone speak to me like these two women from Wells Fargo. I assured them that I knew I was responsible - I just needed to verify some things with my son before I paid them anything. I still can't believe the way I was treated over the phone. One more thing: The first woman was unwilling to transfer me to a supervisor until I finally told her to "shut up and do it." Then she couldn't seem to find one. She said someone would call ne back, but that hasn't happened.

First, let me say how angry I am at the repeated misapplication of funds paid to my student loans. Each time I pay additional monies to reduce the principal, I include instructions and each time the bank ignores my request. I went to a branch location on Wednesday, Aug. 19, and worked with a banker, who contacted someone supervisory at a head office, to arrange two payments to my education loans. This took one hour to accomplish.

Check #1181 $235 to be applied to amount due on 8/20/09 $231.22. Check #1182 $300 to be applied to principal on Loan CA0004. The instructions were noted on each check and still the bank either incompetently or arrogantly ignored my request to apply $300 to CA0004. I want the $300 applied as requested or immediately refunded. I trusted that the bank would handle my payments in good faith as requested, but as usual, the bank demonstrated total disregard for my wishes.

Is there any doubt why I would be stupid enough to enroll in automatic bill pay and trust Wells Fargo to handle my money properly?

I am completely dissatisfied with Wells Fargo's unreliable service. I am sharing my unsatisfactory experiences with everyone I know so unfortunate customers, like myself, can be vigilant and not suffer the same poor service.

The second one got me through to the point where I had gotten myself today and he finally told me that Ihad to drive an hour to a Wells Fargo Bank to recieve a fax to co-sign. then I would have to drive home and fax it to my son who has no fax and lives 8 hours away,and then have him fax it back to me so my husband who is away on business could sign the loan and on Monday when he gets home we can fax it to Wells Fargo. This is impossible. I did everything right and it is a mixed up mess. I am computer savy, I can do what needs to be done on the computer and I followed the directions carefully. I want Wells Fargo to know that they are impossible!

For starters, after sending my fourth payment in, they sent it back to me. Not once but twice! So I call to find out why they returned my check and they tell me my loan is paid in full. Just for a brief second I wanted to go along with it but my concious would not let me do this. I inform them that it was not paid off and then it took them 3 or 4 months to figure this one out.

Now they seem to never get me my payment coupons on time if at all and when I get a call from them telling me I am late I pay penalties and all. They tell me the coupons are a courtesy only and I should send them my money wheather I get one or not. I have done this and they did not credit my money properly. I sent them $150 above the payment and it did not get removed from the principle.

SO I call customer care and ANOTHER argument with some young lady (still wet behind the ears) and tells me they have sent the coupons and it will take 3-5 business days to post an electronic payment! I ask to speak to a manager and got hung up on. And this would not be the first time they hung up on me.

My husband has several student loans with Wells Fargo; one of them is a PLATO loan, which I have read many others' complaints about.

We called Wells Fargo to find out what was happening, and much to our dismay we were told that his student loans were in arrears amounting to $1400! We never received a single document, or phone call to let us know that our payments were due. Instead, they went straight to our co-signers.

When we spoke with them, they confirmed our address, telephone, and cell phone numbers. They had no explanation as to why we had never been contacted.

We were able to get some help from some very kind friends, and made the payment to bring the loans current. We tried to apply for a forebearance, but were told that we had to apply at least 15 days prior to the next payment date. So, when the next payment date came along in February, we scrounged together enough money to make the payment, and did an over the phone application for forebearance on the loans. We were told that we were granted a six-month forebearance on the loans, and no more was said. The PLATO loans are handled separately, so a representative connected us to someone in the PLATO division.

Upon speaking to the representative in the PLATO loan department,we were informed that we were only eligible to receive a two-month forebearance -- better than nothing at all, right? We did a phone application for forebearance and were told it would take 24-48 hours to reach a decision. We never heard otherwise. We never received any correspondence, and assumed since we were not receiving any bills that we had also been granted forebearance for this loan as well.

Fast track to the beginning of April 2009. We began receiving notices from Wells Fargo saying that our loan payments were past due. My husband called Wells Fargo to find out the reason -- we were under the impression that our loans were in forebearance (this does not include the PLATO loan). We were told that we never sent in the documentation needed to finish the request. We told them we had never received any paperwork, and furthermore, we were never told that we had to do any paperwork.

Again, Wells Fargo confirmed our address, and said that they would send out the paperwork ASAP. A week later, we received another late notice and no paperwork for the forebearance.

A few days later, my husband and I began receiving emails from his siblings saying that Wells Fargo was harassing them about a payment -- my sister-in-law almost made a payment, but they wouldn't let her make a payment with a credit card (thank goodness, because I was not about to have her pay them!).

I let her know what was happening, and for the third time in three weeks, my husband and I called Wells Fargo to figure out what was the situation. It was then brought to our attention that we were only eligible for a two-month forebearance for our other loans, because one of our cosigners didn't meet some requirement or another to allow for us to receive the six-month. It was ALSO brought to our attention that we were several months behind on our PLATO loans -- WHAT???

We were told that the PLATO loans had to be current before we could even apply for forebearance. We thought that we had already done that! Arrrrggghhhhh!!!

As for the other loans, we still have never received any paperwork. They told us last week that they were able to fax the documents needed to my husband at work. He never received them.

Just this evening, we spoke with Wells Fargo again, and they said the fax was sent. They are supposed to send another one tomorrow.

The person that he spoke with was incredibly rude. My husband tried to reason with him -- none of this was our fault! My husband informed him that something is obviously flawed in this whole process. We have been trying to get this straightend out, and all we need is a dumb piece of paper that Wells Fargo can't seem to get to us. My husband told the representative that he wanted him to physically put the document in an envelope and mail it to us. He said he couldn't do that. My husband told him he wanted to speak to someone that could, and was told that there was no one who could help with that.

I have a student loan with Wells Fargo in the amount of $32,318.27. I have payed on time every month since graduating with a bachelors degree in 2000, whether it be interest only payments or full payments. I have exhausted my interest only payment options and am now paying $460/month.

I have tried 4 different times in 8 years to consolidate my loans and lower my interest rates and my payments to $200/month. They have denied me everytime, saying I need a co-signer. I admit my credit isn't perfect, but a credit score of 700-ish is pretty good. They refuse to help me and say that is my only option. 1) I do not have a co-signer and 2) I can not get a co-signer. PERIOD. I have struggled with this company for years. I am scared that my situation is going to turn out like the others I read on here. Are they going to tell me I owe them more when I have this paid off? If I do go somewhere else to get out from under this companies hold, are they going to refuse me that right? Are they going to lie and cheat their way into getting more money out of me? Where is this money going? Am I actually paying for the CEO private jet instead of my principle on my loan? This company is extremely corrupt and their customer service is non existent. I pay more to my student loans than I do in rent. This is insane.

In 2002 I returned to college as an adult learner, to become a Registered Nurse (I succeeded!). Becaue I had a mortage loan through Wells Fargo, I took out a Plato Loan from Wells Fargo for my education. Without going into the sad details of this horrible never ending story, Wells Fargo has been a nightmare company. The staff is incompetent at best.

During 2005 when I lost my job, Wells Fargo REFUSED to work with me so that I could continue to pay my mortgage and my loan, stating that I would have to be in arrears in both loans and then the best that they could offer was two month's extension. What?? I refinanced my mortgage with Huntington Bank, they are fabulous and the staff is exceptional-these people know customer service.

I continue to battle the Wells Fargo student loan fiasco, because one of their operators decided to write off my loan although I protested that I did not understand what write off meant, and that I fully intended to pay the loan, when I was financially sound. Wells Fargo's solution was to harass me day and night with telephone calls and correspondence (canned, no original letters were ever received by me). Finally, I sent complaints to the BBB and the Auditor State of Ohio about Wells Fargo. Although I have not heard back from either of these entities, I felt some relief just in filing my complaint. Apparently when Wells Fargo wrote off this loan, they continued to assess finance charges. I had no idea.

When I asked for a statement of payments that I had made, imagine my surprise when I received a copy of my original request, with someone's hand written account of my payments at the bottom of my letter. Then I began to wonder if someone was taking my payments home and that's why the balance seemed so dramatically high!? Moving forward to 2009, Wells Fargo, after never attempting to contact me to resolve this write off issue, hired a local attorney who recently sent me a summons, apparently to foreclose on my home.

Interesting that Wells Fargo is in the news with the Stimulus and the Wahovia settlement debacle. Apparently it is acceptable for Wells Fargo to get out of making restitution, not the same for the small people. I did hire an attorney recently and I can only hope for positive solution. Beware of Wells Fargo, especially the student loan department.They will certainly lend you money, but will be unlikely to be the least bit concerned for your well being and financial future.

I got a student loan from Wells Fargo and by the time I began repaying it, 6 months after I got out of college, I'm paying 19.8% interest. My payment is $80 and only $64.17 goes to the principal.

Obviously, this puts a financial strain on me as I throw money out the window on extremely high interest.

I graduated in December 2007 and I used Wells Fargo to consolidate both my federal and private student loans. My grace period expired in August 08 and I began making payments on both loans. After 6 months I was no longer able to continue making payments due to my current financial situation. I then Wells Fargo to discuss my options.

I was told that they could give me a 2 month extension on both loans so I accepted. They said if I needed more time once the extension was up to call back and request it. At the end of the two months my financial situation hadn't improved so I called back to again discuss my options. I was told that I could not receive additional time on my extension and I would not be able to receive another extension for 12 months.

Since I had become accustomed to getting different answers from different reps on each and every occasion that I called I thought it would be best to call and speak to three different people on three different occasions to compare their answers before committing myslf to anything. Well, after I called and spoke with three different people all their answers matched up and I was satisfied. Each and every one told me that if I was enrolled in school for atleast 6 credits per semester the loans would be deferred with no problem. I specifically asked if this was for both federal and private student loans because I had gotten used to the private loan racket and how a completely different set of rules applies to them.

I enroll at the local community college for the required number of classes so I fill out my deferment request based on my in school status and fax it off to Wells Fargo. The federal loan was in fact deferred with no problem but imagine my surprise when the private loan was not. I call and inquire as to why one loan was deferred but not the other hoping that it would have been attributed to another one of Wells Fargos infamous 'Oopsies/clerical error'.

The representitive answered all of my questions by telling me that it was possible that each and every rep that I spoke to may not have known that I had exceeded my three month window for re-enrollment. I ask how that's possible since all of them alledegly had my information right in front of them. Even if the computer was significantly behind in updating personal information a rep with the most basic of math skills could add 6 a month grace period and 6 months worth of payments to determine that I had been out of school for a year which would have made me ineligible for their in school deferment of private loans.

I went back to their website and referenced the paperwork that I filled out for an in school deferment and no where does it mention that you have to be back in school within three months to be eligible for an in school deferment.

I didn't want to get out of paying anything, I just wanted to buy time until I was able to get a decent paying job with the degree I earned over a year ago. They were unable to accomodate me and they were misleading and dishonest about it.

First I would like to say that I am glad to see that I am not the only one who has a problem with the PLATO company. I hope many more step up to the plate, there's safety in numbers! It has now been 11 years since I took out my P.L.A.T.O. loan so I could attend Carlow College in Pittsburgh. In 1998 I took out the loan for $4,225.00, I just called them about an hour ago to see what the balance was, surely I was at the dirty end of it, not so. The operator said, that I had however, paid back, $4,639.00, or $414.00 over, so technically, in a perfect world, I paid it off already, with about 10% interest on top. Why can't they just be happy with that? The operator told me that I Still owe $3,312.09 and that I paid, after 11 years mind you, only $1020.00 towards the principle. Needless to say, I was sickened.

To make myself feel even worse, I asked when the loan would be paid off at the rate I was going? He said 2018! I was like, Wait, I paid it off, (technically speaking) and I have another 9 years to give them even more, Gravy, extra, overpayments. The other heartbreaker, is that I, like allot of other students, couldn't get a job in my field, so I had to get a job at a steel mill, without steel mill wages. Times are tough for the steel industry, so I am now, the proverbial laid off Pittsburgh steel worker. I have a wife, a 5 month old baby, and two step children, and have not received a paycheck since Dec. 17th.

I was late on a payment because I was laid off, and received absolutely no mercy from PLATO/ wells fargo. I too, as another claimant said, have my father for a cosigner who is 80 years old and is worrisome of marks going against his spotless credit, that he, worked so hard to keep, his troubled voice exclaims. I am 41 years old, and literally have .45 cents in the bank till I receive a paycheck, I felt totally horrible after hearing what I still owe on this, theoretically, already paid loan, it is like an anchor, hanging around my neck. This is without my main $54,00.00 School loan, and life bills, car, mortgage, utilities, food, diapers, etc. No wonder no-one is buying anything, who can? Is there anything that can be done?

Consequences of my dealings with PLATO loan service are, deep depression, feeling of never getting above water, and hopeless feeling of not being able to truly provide a financially better life for my family. Strained relationship with my cosigner Father, further credit damage as a result of not having a longer grace period, or mercy for your situation. I believe the Government should get involved and put a cap on the amount you pay back that is fair. I know it is a business, but if I can pay back 10% over what I owed, I think that is enough, times that by all the people who have these loans and that is a very lucrative business.

My Daughter Lauren was given a $10,000.00 student loan from Wells Fargo. She graduated from JWU in RI May 2008, Since then she has not been able to find full time employment. On top of the Wells Fargo Loan she has $20,000.00 with Sallie Mae and $15,000.00 with Nelnet. Nelnet has given her a forbearance, Sallie Mae is being difficult because we co-signed. But Wellsfargo has been complelty un reasonanble. She requested a forbearance December 12, 2008 she received the paper work dated December 24 on December 31 2008.

On January 4th 2009 before she was able to mail the paper work to Wells Fargo she had an accident where she fell from the attic and has multiple contusions and sever concoshion and the week between Christmas and the fall memory loss . I filled the paper work out for her had her sign and sent a letter to Wells Fargo by fax. All week long we have received harrasing phone calls asking to speak to her and when we try to talk to them to ask if they received the paper work, or explain the situation they refuse to speak to me or my husband stating the fact she is 22 and they can not speak to us. Yet no matter how much information we tell them about the loan or the situation they still refuse to talk to us.

I aked them to stop calling my house then since they refuse to speak to me. They asked me for other contact information. I told them well she is 22 and I can not disclose that information. I also used a few foul words which I regret. I completley understand they want there money but they do not wish to help themselves by telling us if they received the paper work or not. The economic situation in the US is appauling the goverment bails out big corporate banks Wells Fargo one of them and the students and graduates of college get no help. who is bailing them out so their futures are stable and worth living.

The harrasing phone calls are causing me more stress as I take care of my daughter and her recovery. She is recovering slowly and her memory is slowly coming back we have not let her speak to anyone on the phone this week as we have tried to keep her stress level down so her recovery will be faster also because Wells fargo always calls when she is a sleep. We now have to take her too our attorney so she can sign a power of attorney which he said he may not allow if she is not mentally capable to answer the questions required for her to sign the power of attorney so we can talk to these people at Wells Fargo.

My daughter has no money what work she had she can not due at this time because of accident. what little income she did have went to payimg her health insurance. My husband and I would love to help pay all these bills but we have mortgage house insurance and taxes we barely can take care of at this time ourself. Thank you

I am co-signer for thre of my son's student loans which were originally to be paid off in 144 payments of around $180.00 per month. Last December he requested that amounts larger than the minimum monthly payments be deducted from his bank account in order to pay off the loans more quickly. He agreed tp have around $1200.00 be deducted. He did not agree to have the term of the load change from 144 payments but without his or my knowledge, his request resulted in a restructuring of the time period to pay off the loans to 18 payments. He recently lost his job and requested the payments return to their original. He was told that would occur. That did not happen and now we are being told that our minimum monthly payment is the $1200.00 amount.

My son is unemplyed and cannot pay 1200 month. Wells Fargo refuses to negotiate any changes to the current loans until the entire amount in arrears is paid. We feel we should be able to restructure the loans without having to come up with 1200 dollars right now.

knowingly missed a student loan payment October 16, 2008 and contacted business via email several times. Monday November 3, 2008 my brother telephoned and reported that a Wells Fargo EFS agent telephoned. He is cosigner. I telephoned the agent and explained I was experiencing financial hardship at this time. I told him that I was able to pay 'now due' on Friday November 7, 2008. It was reported that I could post date a check for amount due.

I am completely responsible and feel that I should be contacted before my consigner. I am not hiding or avoiding calls. I felt disrespected. When I asked agents name he would only give me his first name and refused to give his last name. I graduated Nursing School, May 2003 and have been paying on this loan since and do not have a history of delinquency. The caller set the undesirable tone which infuriated me

consequences resulted is humiliation, embarrassment, and disrespect regarding the call to my brother FIRST. Also requesting that I post date a check.

In March 2007, I accepted a student aid loan from Wells Fargo Bank. Yesterday, September 13, 3007, I was informed by two different licencesed financial advisers that Wells Fargo intentionally misled me about the loan. Wells Fargo masked a high, compounded interest rate loan as a low interest payment-deferred student loan.

The loan was offered to me over the phone by a Wells Fargo customer service banking representative. Wells Fargo informed me that the loan was at a fixed 5.5% interest rate. Since this rate was not higher than my student loans with my university, I accepted the offer. I am embarrassed to admit that I did not question whether or not there were hidden fees or details. Never in my wildest dreams did I ever think that such a well-known bank would attempt to defraud me.

This month I received a loan statement which displayed a continually-compounded interest rate of 14.75%. I had not received prior statements. I was shocked to find out that Wells Fargo left out the important information regarding how the interest was calculated and that the 5.5% interest rate, which I was quoted in March, was in addition to a fluctuating prime rate.

I would have NEVER agreed to such a loan had I been explained all of this CRITICAL information I now know. Wells Fargo is taking advantage of college students, both undergraduate as well as graduate, by collecting high interest off of their student loans. Is this Wells Fargos way of compensating for its losses from defaulted home loans?

As you know, education is critical to the success and progression of our society and our country. Taking advantage of ambitious students who seek further education to improve their future ought to be against the law.

I have tried to refinance my Wells Fargo student loan and have been turned down. I would like legal action taken against Wells Fargo for their unethical practices.

In addition to the financial damages caused by the student loan, I incured many fees as a result of Wells Fargo staff making changes to my Wells Fargo checking and savings account.

I openned the accounts in March 2007. (Wells Fargo solicited me with the student loan while I was opening the checking and savings accounts.) I opened the account online. Two days after I opened the account online, Wells Fargo contacted me. They changed my chosen savnigs account to a money market account. They removed my overdraft protection from my savings to my Wells Fargo credit card.

Wells Fargo then put me over the limit by transfering checking charges (which were incorrect) to my credit card. They charged me overlimit fees and then increased the interest rate of the credit card.

More importantly, Wells Fargo held the funds of ALL my deposits well beyond 3 to 5 business days and then charged me NSF fees over and over.

I now have over $1k in interest charges added to my student loan. Wells Fargo damaged my credit score. Last month I had an 813 FICO. This month my score is 669. Wells Fargo charged me continual overdraft fees, etc. Told me to not use their atms but to deposit my checks inside branches but then charged me for using their tellers for deposits.

My parents co-signed for a student loan and without myknowledge, filed chapter 13 bankruptcy in 2001. Wells Fargo automatically put the loan on the bankruptcy without contacting me years before any payment was due. I was told that if a bank loan was put on a bankruptcy, they had to accept whatever the court gave them, so I repaid my parents the amount collected through the court. Now, Wells Fargo still wants to collect the entire amount plus interest and pentalites from me.

Can they legally put it on a bankruptcy then collect the full amount? Also, Wells Fargo is reporting it as an auto loss recovery, bad debt on my credit bureau. I have disputed with equifax and they refused to change how the debt is reported. Of course would appreciate any legal advice that is available on this matter.

I have a private educational loan, as well as federal student loans through Wells Fargo EFS. I have consistently had trouble with the servicing of my private loan since 2000. I'm currently a full time student and require a forbearance every term. Wells Fargo repeated sends the wrong forms, fails to process the forberance forms, acts in a harassing manner on the phone to myself and my parents - who are cosigners on the loan. They have falsely reported me to the Credit Bureaus, have lost paperwork (including a power of attorney for my parents, even though they are cosigners on the loan) They improperly update information.

I have sent letters of complaint to managers with no response. Most recently, they have sent time sensitive information dated July 31 2003 and then didn't mail it until September 30th, resulting in my being responsible for late fees. They are argumentative, unhelpful and downright mean. I can talk to two customer service reps and get two completely different answers, both wrong. They refuse to answer questions and then refuse to transfer me to a supervisor. In the past they have put me on call lists for being delingquent and call continually even though they record indicate that I'm in forbearance.

They have reported me to credit agencies, repeatedly charge me unjustified late fees. Have yelled at and harassed my mother (a customer service representative herself) have called me repeatedly. Every conversation causes significant stress and anger, despite my best efforts to do everything required to follow their rules and nothing seems to stop this harassement.