Wells Fargo Reviews

Had I known of their thieving business practice, I would have printed out my statements all 4 days to show the activity. They moved the numbers around to benefit them, and I was left with a nice fat bill. I went into the branch to tell the manager what happened, but I was informed the fees could not be reversed. So I told him I wanted to close my account, and he said that I could not until the fees were paid and that if I did not pay them I would incur a daily overdraft fee.

Needless to say, I refused to pay the bill and now have a collection agency after me for the money along with their fees! This is affecting my ability to buy a home, and I want to fight it; I'm just not sure how. I hate being the "little" man! Any suggestions would be greatly appreciated.

I had returned to the bank 3 times for stupid little mistakes. And after the 3rd visit and 3rd phone call, the woman who opened my accounts told me that she applied for the credit card for me. Now, I had to go down (again) to "unapply" for the credit card. I went there that day to find that she was not there and her manager was. The manager told me that the woman who opened my accounts and applied for the credit card in my name had been spoken to and would again be spoken to by another manager and that what she did was wrong. They apologized and closed my accounts without any fee.

At month's end, I got notice of 14 overdrafts, over $400. I was never notified until the end of the month and the ATM continued to show available funds on a daily basis. The bank accused me of bank fraud but did waive 4 fees and said that it was all they could do. Why are these charges my fault? If money wasn't there why did they keep giving me money? I have gone to different Wells Fargo branches, all with same results. They want their money! What do I do next?

The bank gave $1666. 00 to a vendor I was disputing. They used overdraft which I didn't have. Then charged off that amount, absorbed 2 retirement checks of $434.00 plus $235.00 balance that was in the acct. And when I was credited back $700.00 from the original $1666.50, the bank absorbed that as well. Total loss of $1666.50 + $700.00, plus I was forced to stop the auto deposits, and had to get money orders to pay my Medicare premiums. I am 52 years old and disabled. I cannot fight when there is no accountability or anyone to make the decision. Someone at Wells Fargo made a decision to pay something that was not authorized by me. I didn't give them my card number, nor did I sign for it. I did not receive the service or benefit in any way. The bank needs to give me my money back. Please help.

This morning, I tried to log into their site; I got a message saying I had no accounts with them, and that I should call if I had any questions. I found out that the night before the checking account and the IRA account had been closed that the account was closed due to an overdraft of $2.82 (it had been on the books for two months according to them). Being in Asia, I had not written a check on the account for over ten months; I was unaware of the negative, which I believe was a service charge of some kind.

The IRA was closed because they said the funds had been distributed, but they did not know where the funds were. Why would they close a checking account where I asked the funds to be placed? Where are the IRA funds? None of several representatives could help me. I spent so much time on the phone; reinventing the wheel with each new representative--to no avail. Finally, for the first time over the week, they asked for my IRA account number. Not being able to go into my now closed account, and my paperwork being in the USA, I was unable to give them the number. I was then told they would be unable to help me until I found the IRA account number.

The checking account can't be reopened. My ATM card is therefore, no good here in Asia. I don't have an account to transfer funds into in the USA, unless I open a new account. By the time I get my hands on my money, it will be too late for the emergency I mentioned. Do not do business with this bank.

My account became negative and incurred $140.00 in overdraft fees in which Amanda told that it will not happen at all. I was told 3-4 times by Amanda that I will not receive any overdraft fees but then I did to my surprise. I was upset. I am asking that you honor your word that was given to me by Amanda and give me my money back. I walked in and was refused. I requested to talk to a supervisor over the phone and you refused. I am asking politely again for my money to be given back to me and for your company to honor your word that I would not receive any overdraft fees. I was told that the call was recorded. I told him to check the call and to honor Amanda's word but the supervisor refused to. Please check all calls and everyone that I spoke to today that had access to my account and honor your word and give me back all my money. Thank you very much!

When I filed a complaint, they started harassing my family members who don't live with me or have anything to do with the mortgage. A Wells Fargo executive by the name of Dawn ** finally called me after I had filed numerous complaints. Ms. ** agreed that the cost of insurance applied by Wells Fargo was outrageous. She also agreed that Wells Fargo had no evidence that my own insurance wasn't applied. She couldn't explain the escrow, though. She said that she would check the "facts" and call me back but she never did. Wells Fargo continues to apply interest and other charges to my account.

Wells Fargo is an organized crime syndicate that violates RICO Act (Racketeer Influenced and Corrupt Organizations Act) by forcing customers to accept whatever payments, charges, escrows and interest rates Wells Fargo decides to apply and then threatens to take the customer's property if they refuse to pay.

I told her that I felt like the teller had purposely allowed me to pull funds that were not there in order to collect a withdrawal fee. I had heard of banks doing this on the news show Nightline. Immediately, Donna attempted to end the call by asking if there was anything else she could help me with. I asked her again why the teller would release funds that they now were claiming I never had? She admitted that she didn't know and told me I would have to go to that bank and ask the teller. I said, I thought you were customer service? She again asked if there was anything else she could help me with, at which time I ended the call.

I am fed up with these underhanded bank tricks and unnecessary fees that the news and the President are saying are "criminal". I am trying my hand at online banking as I have heard positive things about the way they do business, as opposed to big banks that are only out to penalize their customers to make a quick buck. I didn't even want Wells Fargo as a bank and would have never chosen them on my own. I woke up one day and they had taken over my account. Inside the bank, there is a huge quote which says "Henry Wells, the founder believes in courtesy". I don't know who this is directed to, because it is not the customers that keep this so-called business running.

After 7 months, we have no resolution and after multiple claims stating that we would get a copy of the contract, we still have never received one. The company is not honoring its agreement to release us from the contract and now refuses to discuss it. We were lied to just so an employee could make his sales quota. The company is taking no responsibility for the actions of their employee misrepresenting their product and selling it under false pretenses. The total lack of concern for the fees we have already incurred due to the misrepresentation of this product and the company's lack of follow through for a significant customer service issue is appalling.

I beg and pleaded with customer service, explaining that I don't have money to just give away and that I work less than 40 hours a week and I had my bills which I pay with my accounts coming through. I explained that those charges were already paid and asked why they are charging me these fees. The customer service representative stated that there was nothing that they can do because it wasn't Wells Fargo's fault, and they suggested that I learn to keep account of what I use from my account. What? Are you kidding me?

I'm in the process of getting my accounts change to another bank. Way to go Wells Fargo. Another way of the rick taking from the poor as if the economy isn't bad enough!

I was told that if I kept from these kinds of problems, I would not have holds. Then after that, I was told that the company I work for was a new check for me and they would have to have a few deposits before the holds would not happen. In other words, they needed to have an established background with my company, to show that their checks are good.

Now, to the good part. As I said I made my deposit, no problems or issues, at the ATM of my branch. Lo and behold, I get the receipt and it gives me 100 dollars out of my check available! I think, wow they are starting to make it faster for me. But, then I look down further and they put a hold on my deposit for 2 weeks! At first I thought, "No, this is a typo,” so I called the toll-free number.

First, I was talked to rudely by the first lady I spoke to. She stated matter of factly that this is a normal Wells Fargo policy. I said, "But usually the hold is only a day, maybe two," in which she replied, "I see that you deposited then canceled, then deposited again." I told her no, that did not happen. She then stated that, that's how it is. I asked to speak with a supervisor, Devin was his name, I think. He tried his best to help even with my temper steadily rising.

He stated he did not understand why it happened and that the so called "deposit, cancel, deposit" would not affect anything. After explaining all of the aforementioned, nothing could be done. The only two things he said were my options were cancel the check tomorrow and get a reissue from my company, then deposit because they don't put hold on cash (I sure the heck hope not. If they do, I'm moving to a third world country were seashells are still considered money) or wait 5 days, then contact the on-duty manager and ask them to release the hold (out of the goodness of his heart, no doubt).

In a nutshell, we have misleading information about pattern having an effect on holds. It's an excuse to create an inability to pay bills on time, by delaying funds, even though they have established that they do pay. Which was the reason they said I would not have available funds. Risk models they say, show that the check may not pay. So, first it's because of a new job they have to put a hold because they haven't established that the check will be honored. Now that it has been proven, you put an even longer hold on my paycheck from the same company.

What's worse is, the people I talked to either blamed me for it because I didn't deposit correctly, I pushed the wrong button but then got it right, or couldn't understand it. But the key point is this, the manager can release a hold that was put on by computer risk models. Basically, a model based upon spending that knows when your bills are due. Hmm suspicious isn't it?

If a manager can release a hold, then there is no policy. It's a tactic to create more revenue for the bank by overdraft fees because I can't pay my bills until it's too late. Perfect scenario to get in a pickle, caught between crossfire.

I, for one, think that in this time of hard living where cash doesn't pay for everything anymore but a card does, a bank would ease the burden. Wells Fargo, on the other hand, has a different plan though. I will now be forced to go back to cashing at Walmart. Then use a prepaid credit card to pay bills, ridiculous. Hey US government, we pay income taxes. That's your money, go do something about the banks. If we don't get paid, neither do you.

During the initial in-take process, while just passing the time of day, I made a statement concerning my displeasure related to president Obama. The loan process has been ** to pay since.

We're now two months into the process. Now, we learn that Wells Fargo claims the residence is been classified as "multi-family". What?

Our home is a modest 3/2 in a restricted neighborhood where "multi-family" isn't allowed!

The county tax office still carries on their record that the house is a "single family" residence (and hasn't been changed).

Wells Fargo has been sent copies of the tax statements, the PIN and everything else we have that shows the house is a 3/2 single family residence. Yet, Wells Fargo won't process the loan further without extracting more charges from us.

I smell the "Chicago way". We either have a conspiracy of malice or a conspiracy hatched by incompetence. One or the other.

I would advise anyone, and I mean anyone, who is considering working with Wells Fargo to stay away from them (if this situation turns out to be incompetence). Or expect to pay a toll if you exercise your freedom of speech.

Something huge is wrong with this company. We've been lied to, jerked around and abused.

Yesterday, we received a call and emails from Mr. Kyle ** telling us that our closing would have to be delayed because certain things had been overlooked. This even though my husband, my attorney and myself had been trying to contact Wells to pinpoint a time for the closing and our calls and emails were ignored for about 2 weeks prior. The last communication from Ms. ** on 9/6 said we were good for 9/22 and our financial criteria had been met. Now 2 days prior to closing, we are being asked for Operating Business Statement, credit card statements, landlord information, etc. All of which had been previously supplied. Ms. ** has ignored all our communication from the point where she passed this case on to Mr. **.

My family is stressed because we have notified our landlord and must be out by 9/30. Conveniently, our lock-in rate will expire on 9/27 and my husband travels extensively for work, which I explained to Ms. **. He arranged to be home this week and now, this closing might not happen as scheduled. It is unacceptable that my family should have to incur additional expense and aggravation due to Wells Fargo's negligence. We have been dealing with them since the beginning of July and they have had more than enough time to close on this transaction. Ms. **, this morning, communicated to us that these things should have been done when we converted to from FHA to a Conventional loan. Instead, they have waited until the eleventh hour to ask for additional documentation.

It is unacceptable that due to Ms. **'s promotion to a managerial position, everything having to do with my mortgage fell through the cracks. Today, she is informing me that she has to contact my landlord. How does she plan to do so? Have him sign a document, return it and close as scheduled? What if because she waited till now, she can't get him? He works and travels to his home in Florida on occasion. Again, if this had been done a month ago, this would not be an issue. Now, my family and I will be the one's inconvenienced while incompetence at Wells Fargo is rewarded with promotions. Several people at the managerial and executive positions were contacted, but I have not heard from any of them even though they told me they would call me back. Wells Fargo has had more than enough time to handle this transaction smoothly. It would have been nice if someone would have taken ownership, instead of leaving everything to chance.

They asked me if I knew the person who did this, the answer was and is no. They asked me if I gave my PIN number to someone, since one of the withdrawals had been done as a debit, the answer was and is no. I was told that they would investigate (reviewing video footage) the fraud on my account and come up with a decision based on evidence.

Three days later, I called to check on the status of my claim and was told that it was completed and denied due to the fact that I had willingly given someone my PIN number and authorization to use my account, which is a lie. I was repeatedly interrogated over the phone on 9 Sept 11, and made to feel that I had done something wrong. I attempted to try to rationalize what was going on with my account because I had no idea what had happened or how.

During these interrogations for the many hours on the phone, my bank determined that somehow, I had willingly given my PIN number and authorization to someone else for their use, which is not true. I have never given my PIN number out. Never did this bank try to determine who had accessed my account without my permission and completed theses fraudulent charges.

Not only did they not investigate the fraud, they determined that I was responsible and stole two of my direct deposit paychecks to cover the monies I do not owe. They took one of these paychecks after I was told that there was a monetary hold on my account so nothing could go in or out. Along with the debit card transactions, Wells Fargo allowed checks made out to me by a company I have never heard of to be deposited into my account. This check was signed by someone, other than myself (I will give you a copy of my actual signature), and had the incorrect account number written on it.

The bank not only allowed a check to be deposited into my account, they also didn't verify the signature, check ID, and on top of that, they changed the incorrect account number written on the back of the check with the fake signature to match my account number. At any point in all of this, had Wells Fargo attempted to do their job, none of this would have happened. I want all the monies that are owed to me (my paycheck deposited on 2 Sept 11 for $829.78 and my other paycheck deposited on 16 Sept 11 for $564) and monies for all the inconvenience and past due fees I have received since I have been unable to pay my bills (due to the fact I have not had access to my paychecks).

I trusted my bank to make sure that my money was safe--not only did they not do this, they also allowed someone to steal money from my account. They didn't try to find out who it was, turned around and blamed me, and stole my money to recoup their loses. I am attaching copies of all documents I have, including the altered account number on the deposit slip, changed by Wells Fargo in order for them to fraudulently deposit the money into my account, and a copy of the check with the forged signature. I will also be including a handwriting analysis with my signature and name, which Wells Fargo already had, for your review.

When I called Wachovia customer service line, Wells Fargo picked up but could not locate my account. As a result, they transferred me back to Wachovia only to transfer me back to Wells Fargo. 20 minutes was lost and they were unable to get access to my account. A couple of days later, I called again because I had to re-program all my online bill-pay, and some features were not working properly. A month after, I was traveling to Kenya and my check-card got stuck in the ATM machine. As a result, I called Wells Fargo. This is when I was really upset because I had to deal with the issue above. On top of that, I was calling long distance to cancel my debit card. Cancelling my debit card was an issue because apparently I could not verify my identity. My other banks, even including Wachovia, have a better customer identity check than this Wells Fargo.

The only question that they were asking me was, "What was the last transaction on your account, debit, credit?" I told them approximately because I only use the account to pay my mortgage. The clerk said, "Sorry you were not able to pass the identity check etc." I am sorry but I am. No one will be able to give a last dollar amount on a transaction. For example, I said $1360 and the correct amount which I know now is $1361.39 for my mortgage. This made me extremely upset. It took me 40 minutes to get through. And finally, when I talked to someone to cancel my card, they were not able to identify me. I told him I did not care that he can or cannot identify me, but this card needs to be cancelled or it will be their responsibility. He said he could do that, but they were not able to replace my card at the moment!

I returned after 2 weeks of vacation. I called them to order a new card! It was not possible as they couldn't identify me. They finally told me to go online and make the request! So, after I made the request online and complained, the responder told me they have not yet updated their entire security question! And that made me upset because security comes first! You would think I would be a happy customer now with a new card ordered, not more issue. Since I did not have a new card, I wanted to transfer $2000 to my other account to survive the 10 days waiting period. Guess what? The cut off deadline for the request on Saturdays is 3:30, in which I made it. And transfer to another bank usually takes 2 to 3 days. Today is Thursday and I still do not have the money in my other account. I decided to contact them with the details. They replied to me with a generic message.

It was a Wednesday night, all was quiet, and the kids were in bed resting for the next school day. To my surprise, I heard a very loud knock at my back door which awoke my kids, startled me and my friend, and woke up the neighbors. I went to the door and asked who was there. He stated his name and said he was from Skyline Recovery. In hearing only his name at first, I told him I don't know anyone by that name. He said he was there to repossess the car and demanded the key, stating that if I didn't give him the key he would drag the car out of there. Because of his tone, I was scared to open the door, so I said nothing. He continued to knock and finally my friend opened the door and told him that she didn't have a key. He told her to get the key now or he was going to drag the car out of the driveway. In looking outside, I saw that there were two other guys outside, and because of his tone and treats I thought going outside to even get my belongings would be a bad idea. I at first dialed 911 to ask if they could come out, but then hung up because I thought by the time they got there, it would be too late. So I decided to keep the key with hopes of exchanging it for my belongings.

After loading the car, he in fact dragged the car out of the drive way; he pulled forward then back a few times and then speed off into the street. Upon entering the main road the car fell off the tow truck. The three of them got out of the vehicle laughing. My neighbor went outside and asked them why were they being so loud and purposely damaging the car. According to him, they made a few treats and told him to mind his own business. Before driving off again, they again disturbed the peace by lying hard on the horn more than enough times and speeding off with the vehicle. The police came out of safety concerns, and advised us that the repossession company just called a few seconds prior to him arriving. I asked why they didn't call before coming. If they had, I would have felt safe in giving the key and going to collect my things. The police said that they were supposed to call prior, as a courtesy. And the attorney I spoke with said that because they did not, they are now left to defend themselves against my claim. I am looking to file a breach of peace report, when I find a ride to the station but was told in the meantime to file this complaint. I was also told to call the repossession company and ask if I could obtain my belongings.

The next day, I called around to find out the location of the car. In speaking with the representative, I asked if I could come and at least get the bag of school and clothes, left at the back seat. He said yes, but only if I give them the key and $25. I asked why the $25? He said that it was for administrative purposes. I said I just need one bag. He said I would have to pay the $25 because someone would have to watch me take the bag. I told him that I don't have the money and would handle the matter another way.

Since then, I did not receive the letter that the law states that I am to receive within three day. According to CT repossession laws; it states "The contract holder must, within three days of repossession, provide the buyer with a written statement of the amount due under the contract and the amount due for repossession and storage costs. If the contract holder fails to provide this notice, he forfeits his right to payment for repossession and storage costs and is liable for actual damages caused by that failure." I and witnesses strongly agree that the repossession was unlawful, due to the disturbance and breach of peace and don't feel I should be held responsible.

Furthermore, prior to repossessing my vehicle, Wells Fargo continuously harassed me and my family calling literally more than 20 times a day; even after I explained my hardship situation. They refused to place the late payments on the back of the loan, after another representative advised that I would qualify for their extension program if I was to make at least one payment. They also did not follow up on removing the insurance charge, in which they used a few of my monthly payments to cover. I never had a lapse in coverage and advised them that the misunderstanding with AIG was cleared with DMV. They also could not explain to me why some months, most of my payment went to interest and others my payment went just about all to interest. To my understanding, my payments were to be fixed and if anything my interest payment should be decreasing, as the principle amount decreased. I also noticed after looking at a copy of my payment history, that when I had an extra payment to apply towards principle, my payment was treated as a regular payment. Their response was that I should have told them it was a principle payment and there is nothing they could do about it now. I explained that the payments were made one week after another, how could they not have known.

Wells Fargo has not tried to work with me and have continuously harassed me and given me false hopes. They illegally reposed my car and misrepresented my payments. I asked that you seriously look into this matter. In reading the other complaints, it appears that they have been getting away with these practices and if nothing is done will continue to take advantage of their consumers.

Today 9/6/11, I received a call from a woman about 2:00 this afternoon (AZ time) if I could pay today. I said that I couldn't and I told her I explained to the other representative that it would be mid September, but I couldn't give a date. However, she became defensive and said "do you want us to keep calling you?". I then hung up and called another representative. When I told her the same thing, she said I just made a commitment which was fine, but she said, "I should have told them that the first time".

But I said to her, "No, that's why I gave you those two dates". In my mind, I knew I needed to pay because I know I owe the bank. My problem is not with the bank, because I do owe because my account is overdrawn and that's my fault. But when did Wells Fargo become a loan shark agency with the worst customer service representatives in the world? They could lose customers that way.

Then, this past week, I got a check for approximately $4,000.00 from UNT financial aid for my daughter who is a full time college student. The check was sent to my address and made out to me. My daughter has an account with Wells Fargo. On that account is my same address, and we have the same last name. I wanted to deposit the check. I did not want anything back. I wrote on the check 'for deposit only'. I was advised by the teller I could not deposit the check, because my daughter had to be with me to approve that deposit. The check is drawn on Wells Fargo Bank! Finally, I asked to speak to the manager. She basically tried to be in agreement with the teller! I was shocked! Then, they decided they would cash the check and deposit the cash into my daughter's account. I thought that was stupid. And I did tell them how I felt! That is what they did to keep me from depositing that check and waiting for it to clear.

Isn't charging me interest enough? Do I really have to pay in order to pay a bill? I attempted to contact Wells Fargo for an alternative but they refused.

I walked in and was "greeted" by a guy (I don't know his name) but he stopped me and said, "How can I help you, what are you doing here today?" I told him I'm just cashing a check. He asked if I have two forms of ID and I said "Yes, I have to go through this every time I come in, so yes, I definitely have my IDs." He said, "Well I'm going to have to take a look at your check." I asked why, he replied, "It's my job. You have to show me your check to verify its authenticity."

Really? I call BS. As a "greeter" in the "landing area" or whatever it's called, they do not verify a ** thing. They ask you all about your business with the bank in an order to better serve you. Fine. I get it. But to tell me point blank that I have to show you anything is, one, not your job; and two, rude!

Next, I was pulled from the general line and asked to be seated with a banker. When I asked why, Michael (the banker) said "because." He was smart, so it began. I said, "Really? And you're going to take your sweet-** time cashing it too, right? Busy playing your Solitaire instead of taking care of customers?"

His boss (petite female) came over and asked me to leave. There are "and, ifs and a few buts" missing but the idea is there. I have serious anxiety and wasn't aware that Wells Fargo's policy was to demand the reason for "all the money" (referring to my check from PayPal) and to demand a reason for not cashing the check with my primary banking institution.

I was embarrassed that I was pulled out of line and made a spectacle of during a very busy Friday evening, only to be further embarrassed by being asked to leave.

Hmm, wonder why people get so irate with tellers? Let me tell you why: They're pushy way beyond being friendly and helpful. What I do with my money is my business. Refusal to cash a check drawn from your bank because I refused to tell the employees what I did to get "all this money" and because I refused to give them "an adequate" reason for not cashing the check elsewhere. I will absolutely make sure I advertise the extremely poor customer service I received from that branch on a continual basis. Also, I would have not marked one star, but the computer makes you put at least one.

The 'hard' inquiries may have adversely affected my credit score; thus, preventing me to get the most favorable rate possible. This is very frustrating. I feel like I've been deceived. I doubt I'm the only one who has experienced this.

I am also 89 years old and cannot always get out of the car to go into the bank. Every other bank in the area will to come to the car and explain the situation, whatever it may be. I was denied of this courtesy. A new print out of DMV without picture is ridiculous. It actually makes the bank look as if they are making excuses so as not to close my account. I have also had to deal with Wells Fargo for not cashing my SS check. I am sure they can understand why I will never consider leaving my money with them or giving them any kind of review.

The bank sent a copy of the said check to my address of record and then, as per their procedure, destroyed the check. They also say that they destroyed all copies of the check showing that the check had been returned to me NSF. The check's copy was lost in the mail and the bank can't or won't replace the copy. So now, I have nothing for redeposit, nor do I have proof to bring to the bank that there was in fact an NSF check.

Now, the bank says that there is nothing that they can do about the check. The best they can do now is to give me a letter saying that there was in fact an NSF check. I don't know if this is even enough to file charges against the initial check writer.

So, none of my car payments went toward the actual car payment. Stephanie asked me what I wanted her to do. I said, "Take out the late payments." She said, "I can't do that." I told her, "I did everything you asked me to. You told me to provide car insurance; I did. You told me to provide receipts of payments for one whole year; I did. Still, you only took 50% off of those late payment fees." She insisted that it was my responsibility to put the right account number.

If they had only took off all the late payments, my car would not have been repossessed. I believe that Wells Fargo should be accountable for their mistake. They then said that I had to pay before Aug 29, 2011 or my car would be auctioned off. So, I paid my balance on Aug 22, 2011 but I found out that my car was already at the auction place with a sticker without my plates. My car was picked up on Aug 15, 2011. I want to talk to a lawyer because I feel that I have a case against Wells Fargo and Wachovia.

After that, Adam never called me or my father back, until several messages were left in regards to the situation. When he finally called back, I was told that since my father does not live at the same residence as me, the underwriters would not approve the loan in a way that would benefit me the best. What they want to do is to refinance me at a 30-year loan at 5%. Now, why would I do something silly like that when I currently have 10.5 years left on a 20-year loan at 6.5%? The loan I am needing is a 15-year loan at 4.XX% with a cash-out of at least $10,000 (which I have enough equity in my home to take this out) so that I may pay off my $5,000 credit card bill that keeps escalating due to interest. The remainder amount taken out will help with year-end taxes and will replace my water heater which is about to die.

This would have been a win-win situation for me because even with the equity taken out of the house, I would have had a lower monthly mortgage payment, only 4.5 years added to the loan, and some money to take care of a few issues. But no, here I am with my credit card bill climbing, a higher monthly mortgage payment than I would care to have, a water heater that is about to quit, and wondering how I'm going to pay my personal taxes at the end of the year.

In October 2008 I was diagnosed with cancer and we fell behind in some of our bills and have a hard time catching up. However, we made all payments on the car loan up until this year when we fell two payments behind on the car loan. We wanted to re-finance the car loan at a lower interest rate thereby lowering our payments but Wells Fargo refused to do that. So we asked them to accept our future payments and put the two unpaid monthly payments on the "back end of the loan". Again, they refused.

Our next payment wasn't due until August 12th; however, on Monday, August 8, at 3:00 a.m., a tow truck backed up in our drive way and took the car. Now, we have gotten a letter from Wells Fargo stating that if we want the car back, we need to pay the full balance of the loan which is $13,000+ together with the towing bill or the car will be auctioned off on August 26, 2011. By then, we will be responsible to pay the difference between the amount of the loan and the amount that is gotten at auction.

We believe that these banking policies, in this economy, are just unfair and unjust. We had never missed a payment prior to this year, and for them not to be willing to work with us, is simply inappropriate and unfair. This bank in particular is out of control with the way they treat people. I also have other loans with them, which are all up to date and no payments have ever been missed. Isn't there something that can be done about these banking practices? We need the car. How am I to continue to get to my job so that I can continue to make payments on my other responsibilities?

I am disputing the charges and I did not approve the overdraft fees. WF did not send any of the requested documentation but they did take $300.00 out of my checking account and send the additional $143.00 from overdraft fees to a Primary Finance Collection agency, who now call me at work and at home up to 25 times a day.

Here is a company that is supposed to protect me but they are the one who's taking advantage. I can see now that I am not alone. This company needs to be reprimanded and held responsible for their scandalous actions. I believe this is a lawsuit waiting to happen. I would like to see a class action lawsuit filed against this deceiving and conniving company.

I have both personal and corporate (C corporation) accounts. When performing the conversion to Wells Fargo, I was informed that when I access my personal accounts online, my Corporate accounts will also be accessible. Previously, I had separate logins/passwords for personal and corporate accounts, as is standard data security practice. I was informed by Wells Fargo that they do not support this and my unrelated business accounts will also show up in my personal account login. I explained to them that this is potentially a huge data security issue and they stated that there is nothing that could be done.

A few months ago, my personal online account was hacked and accessed from Mexico. Wachovia stopped the hack and my business accounts were never in danger as a result. Under this new "better" system, all of my accounts would have been breached. I am appalled that a company who should be as concerned about data security as Wells Fargo would conceive such an insecure system.

I intend to close all of my accounts at Wells Fargo and transfer them to a bank that actually cares about data security.

It is now two weeks later and the funds are not available to me. The account is either frozen or blocked. I’m not sure of the difference, but Wells claims the check I deposited was from an invalid account.

I've provided numerous documentations from Citibank, including general ledger, reference letter indicating good standing of the Citibank account since 2009. Also copies of the cleared check from Citibank.

It cleared my Citibank account 2 days later, as scheduled, but Wells refuses to return my funds, maintaining my Citibank account is not valid. I am very frustrated!

3 days later, I am still trying to get my MONEY posted to my account. I have called only to be transferred many times with no help. Now, the Bell branch informed me I can only take care of this in person. Why didn't they when I was there in person? They took fees out for overdraft, but how bout giving you your own back? Wells Fargo is going down hill fast for some customer service.

They didn't want to show me their investigation for the privacy of their clients, but what about me? I' m their client also. I want to see the check, front and back that they deposited by mistake to make sure if it was endorsed with my account number. They did the same thing to my account for the second time in November, but they did not do anything. Please help me.

Truth in Lending missing in the original document. Wells Fargo send paperwork and images, but the signatures are nowhere on originals. Pennsylvania Law states that after many written complaint, the lender has 60 days to make things right. I never gave permission for any money to be taken from my bank account through ACH payment.

Due to these absurd withdrawals that Wells Fargo made on my account without my permission and knowledge, I am requesting $5,000 in overdraft fees as well as $7,000 for ACH withdrawals. I would also like $6,133.62 finance charges returned. $3,000 for the engine I had to replace and $2,000 for the warranties that they have forged signatures on and changed addresses without my approval. $5,000 for the four months extra since my loan was done in March. $20,000 for the time and energy I had to put in as well as the embarrassment and a messed up credit report, and the problems with local businesses and the falsification of documents. They misled me and when I was notified through phone call, the answer I received was “well, you got your title, what's the problem?”

I am being lied to this entire time with threats and stress when my car should have been covered with warranty. I will be sending copies through attached email. $48,133.62 is what will resolve this problem.

Run, run, run.

When I noticed that the deposit to my savings was not there the following day as the teller said it would be, I contacted the bank. They said they would research it and a couple of days later the amount showed up in my savings. A month later, the bank reversed the deposit and withdrew the entire amount, which over drew my account. When I saw what happened I contacted the 800 number and they said they found that the checks were not mine and that they were two separate checks that were made out to a property management company and in different amounts than my deposit. I said "What?" I had a receipt from the teller showing the deposit. They said they would research it again.

A week or so later when no one called, I called and they said they sent me a letter. The letter said that they credited the deposit to my account in error. What??? They suggested I go to the branch I made the deposit at since I had a receipt. I did. The branch manager told me that the receipt did not mean that the deposit was legitimate. What???

The main office of my insurance got an estimate from the accident and mailed me a check for 375.00 with Wells Fargo dealer services and my name on it. Also they told me to mail it in and they will send one back out with my name on it to me.

They also told me that when they sell the vehicle, they will send me a check and ship me the vehicle I had at the time. I didn't receive anything.

I hope this mess their business up for doing customers. If someone soon does something about this, maybe it will be something to someone higher up soon. I’ll get my money on this in a few days. There will be something done about this. They are a get over finance company.

That being said, I had a mishap or a small miscalculation in my account balance. I made 5 small purchases totaling $25 (one for $4, another for $8 and one for $5 dollars, etc.) and I over drew my account for a total of $25!

Even though I had opted out of "overdraft protection", Wachovia let these charges go through and charged my account $70 per transaction! $350 total in overdraft fees, to let $25 worth of charges go through!

I refused to pay the fees and Wachovia refused to take them away. I deposited the $25 I was over drawn and closed the account.

I have filed with the attorney general's office and filing here and i do wish to sue them for theft. They also charged me $15 for transferring money from my savings account to the checking account too many times online when previously I was told that if they have to access money from my savings account they would inflict a $12.50 fee for doing so. THEY ARE STEALING MONEY!!!! SOMEONE SIGN ME UP FOR A CLASS ACTION LAWSUIT AGAINST THE VERY UNSAVORY WELLS FARGO GREED MONGER THIEVES.

An hour passed by, I called back and some lady answered and she said she was busy with someone else and she will call me back. So I waited (that was at 11) and then I waited for hours. 4:30 came and I said "Forget it, she doesn't care". So I called the number on my card and they said I have to pay it but half. I felt that this would not be a problem if she just payed attention to her customers. I would have never got this fee. Times are hard, why should a loyal customer go through this? I have been with them for 7 years and never had this problem until I went to those two branches

What I have learned is that if you want to be treated fairly, you must demand fair treatment and never show a sign of letting them get away with less. Since it is their policy to take what they can get and apparently, have it written into their system to disallow a reversal of a partial refund once the customer has agreed to it. So Wells Fargo now has $7.50 of my money when the products assigned to my account were wrong. That is something I cannot change on my end and can only be done by or remedied by a Wells Fargo representative.

I can let it go now that I'm writing this complaint, but when I think about how many consumers are likely having their money stolen from Wells Fargo, $7.50 at a time, it adds up and show that customer service is only for the very vigilant. I was told that if I had noticed earlier, they could have done something about it. As if they were very generous to give me half of my money back for their mistake.

The deposit showed up online on Monday but so did a deposit correction memo from the bank stating that the envelope had only contained 11 $100.00 bills instead of the 21 that I had placed inside. I was only being given credit for $1,100.00 instead of $2,100.00. I immediately went to the local branch and spoke with a woman I considered to be the head teller about the problem. She contacted ATM services to initiate an investigation.

When I returned home I began to look at all the transaction information contained in my online account. There was an image of a ticket filled out and signed by two tellers stating that the envelope had only contained $1,100.00. On this ticket, there was a space for the tellers to indicate if there was any discrepancy with the amount I was claiming to have deposited and the actual cash that they counted. This space was not filled out. I met later that day with the branch manager, the lead teller and one of the tellers who had signed the cash count ticket. When I asked her why she had not indicated a discrepancy in the space provided for such an incident she replied, "I'm sorry. I don't have a reason."

The branch manager claims all cash ATM deposits are counted under dual control and the teller I was able to question was the second teller to sign the cash count ticket. I have not been able to ask the first signer any questions because the bank now says they will be investigating.

I received a final disposition from Wells Fargo saying that they could find no evidence that the envelope contained the money that I had indicated when it was deposited and that therefore, the deposit would stand at $1,100.00. I strongly believe that I am a victim of teller theft and am considering taking the branch manager and the two tellers who signed the cash ticket to small claims court and letting a judge decide the question.

Further, their bank tellers often pressure customers to open a savings account every time one makes a counter deposit.

Their bank tellers' sales pitch (to open a new savings account) are utterly ridiculous especially in light of the fact that Wells Fargo CANNOT even guarantee their customers' access to their own safety deposit box within a reasonable time.

After 20 min of validating that I was having financial hardships and conveying that I had made my payment on time for the last three years he finally told me I could make one payment instead of two.

I started crying and my husband got on the phone and told the man that he didn't appreciate the way he was talking to his wife. "Derek" told him that he didn't have to do anything he said and that he was the boss and god there.

I told him I would make a payment today but I no longer wanted to speak with him and that I wanted to talk to a manager or another rep. He told me that he that is not how it worked there and ended the call.

I tried to call back three times. The first time, I was hung up on once directed to customer service. The second time, I was sent to an answering machine for an insurance rep. Finally, the third time I was able to reach someone to make a payment. When I asked the name of the rep that I had just talked to she gave me his name but said that they hadn't broken any policies.

Unaware of this situation, I was extremely upset when I got the call. At that point, I said that I would deposit money into the account to cover it from my parent's account but, of course, I didn't know the new account number. WF will not tell me the number over the phone or email or text, nor would they send me a letter because WF had already sent out a previous letter with the account number. I believe, I informed 25 different phone bankers, supervisors, and fraud department bankers that I was not able to even get within 100 miles of a WF in the next two months. It's like talking to a rock, nothing! No attempt to try whatsoever.

Never in my life have I hated a company so much. Then I spoke with three different fraud customer service representatives and explained what occurred with the lost purse. I did not expect the claim to be denied because it was 100% fraud without a doubt! I will never do business, nor will I ever tell anyone to do business with WF ever. You have the worst customer service representatives I have ever experienced. When I worked there, the company was forcing out all the long-term excellent phone bankers and supervisors so they'll hire garbage. Congratulations on the worst most uneducated disrespectful group of new phone bankers.

Now my checking and savings are both overdrawn and in collections now. I now am able to go to the bank and get my account number so I could deposit money that I feel WF stole from me. But right now, I have better things to do. My insurance was cancelled because WF kept returning my automatic withdrawal over and over that the insurance company thought I was unreliable. I paid my insurance in time by mail, but because you kept sending it through over and over, it made me look bad so they cancelled with me and charged me four times $30 for return check charges. I pay 60% of my income in medical bills and have been doing this for the last three years so that is a lot of money to me. Plus they call on my cellphone, which is pay as you go, and your collection people call about 8-10 times a day leaving messages which costs me 8-10 minutes on the cell. This has continued for the last months or so.

I refused to pay for a $40 atm withdrawal and a $29.00 safeway charge when it was a certain fraud and I was told in so many ways by WF that it was. Plus they tacked on a ton of overdrafts. I know that I will never get anything from my complaint but at least I get to tell how horrible and greedy they are.

The date of his 1st check was 7/15/2011, which was fine with them, and they OK'd. Unfortunately, they repo'd his truck on 7/13/2011, which was 2 days before it was due. Its sad, because I have a serious illness that puts me in the hospital at least 2-3 times a month. They day they took his truck, he had called 911 because my oxygen dropped so low, I was turning blue. They were putting me in the ambulance as the repo company pulled up. He told them he has arrangements, and that he needs to get to the hospital to be with me. He was told, "You need to take that up with them, and you're more than welcome to go to hospital, but youre not taking this truck," and they demanded the keys. We just went today to get his stuff out of his truck. The truck is now 4 hours away in NY, and they just threw his stuff in a trash bag an left with repo company (who charged him $35 for a 1/2 full trash bag of his stuff). All he owed was 2 payments of $170 and he was fine.

Hes called countless times, and they are so cruel and ignorant to him. So....they took his truck over $340 being past due. They want $1150 + repo fees + mileage + wear/tear + Unemployment forms to get the truck back. Once we do everything else they want, then we have to drive 4 hours to NY to get his truck.

Wells Fargo always will ask for a double payment. Again my payment and my son's payment are posted with the same date and applied to the current months payment and not to advanced months yet due According to the on line statement of Payment History there have been ample payments made to place the account in good standing thru November of this year. I am too frustrated with the account mismanagement and undeserving relentless phone calls. I for one, would like to file a class action law suit against the accounting practices of Wells Fargo and the e-loan servicing center for their misrepresentation and mismanagement of student loan accounts. If anyone reading this knows how to make this happen they would be helping the multitude of suffering individuals. Our tax dollars bailed out these financial institutions who are making us pay and bleeding us dry just to keep them alive. As tax paying citizens Wells Fargo should be made to provide some restitution for the use of our tax dollars.

Wells Fargo Corporate Benefits then informed me on March 9, 2011 that I had 120 days from 12/31/2010 to provide a written documentation from Medicare explaining that there was an administrative error which caused me to show enrollment in "Part D". In effect, I was told to ask Medicare to correct a mistake originated by Wells Fargo. Medicare told me they would not provide any such letter but would provide me with current enrollment coverage. This showed coverage only in Part A and B, which was provided to Wells Fargo Corporate Benefits.

On June 9, 2011, Wells Fargo informed me that this was not acceptable, and my request for reinstatement was denied. According to Wells Fargo, the Corporate Benefits has "sole and complete authority" regarding eligibility for enrollment in health plans. Even with the facts provided them by Wells Fargo Retirement and COBRA Service Center, they refused to change their position. I am beginning to believe that this is a deliberate decision by Wells Fargo Corporate Benefits to rid the corporation of its obligation to provide retiree health benefits.

My bank, Wells Fargo, is standing behind this unauthorized transaction! The claims department informed me that since I gave out my debit card number, it is considered a legitimate transaction. Whatever! No different than somebody calling up a company to buy a product, only to be told that the item is on backorder, then say the answer is no and you tell them to cancel the order altogether. This is exactly the same scenario. This is the way Wells Fargo treats a longtime customer since 1999. What has happened to my bank?

It was explained to me that this was just a glitch with the ATM and that the ATM corrected itself that if I noticed the $100 allowance from the deposit was in my available balance. I was then assured that the funds would be available from the rest of this check the very next day. On the 17th, I logged into my online account with this bank to see that the funds were not available. I called and spoke with a representative who went to explain that Wells Fargo is rather strict and I'd be required to take my deposit receipt to the branch to access my funds as queer as that sounded to me. I was not able to get to the bank today, so I wrote a follow up email expressing my disappointment and concern about this causing a problem and creating an inconvenience.

After all, it would require me to waste gas driving back over there because of this nuisance problem that could not be fixed albeit, they acknowledged my having made this deposit once I passed all their security questions by phone. Later in the evening, I get a response back now informing me that they have decided to mail the deposited check back to me. This is very unfair, an unusual treatment in my honest opinion as what took place was my husband endorsed the check over to me and I went to deposit it. Simple as that. Now they are creating an even bigger problem tying up the funds $658.00 for 10 more business days! This is ridiculous.

It took two weeks of pestering by me before I got the answer that 16.25% was going to be my interest rate, based on some magic math that was not disclosed when I accepted the credit online. I was told that my only option would be to close the account and pay back the entire amount of the line of credit, and that I was "on my own" in regards to my credit score. Had I known that Wells Fargo practiced these kinds of bait and switch tactics, I would have told them where they could stick their line of credit from the beginning.

About $297.56 or more, I have to figure out the exact amount. When I went to their branch in April, they didn't say anything about that I have to call all the departments to cancel my service and told me I had to pay $500.00 with return the equiment with $572.40. However, they still charge me May and June's service fee.

Two times, I have contacted the number Wells Fargo Dealer Services provided. I was told that I would receive a check for the surplus amount of $8,885.45 within 45 days after the sale of vehicle. It has surpassed the 45 days and I still have not received that check. I tried contacting Wells Fargo Dealer Services regarding this matter. Which now, I am only being diverted to a voice mail and am not receiving any return calls. I ask for assistance to resolve this matter. Any help would be appreciated.

I need the money owed to me by Wells Fargo Dealer Services to purchase another work vehicle. I am the sole provider for my family. The longer Wells Fargo Dealer Services retains my money owed to me, the more difficult it is for me to work.

They took off some of the charges and kept others saying they couldn't prove I didn't make them. I was angry and closed my account. When I got my last statement, there were more false charges to the new number and charges that came after I had closed my account 3 weeks before. They said the (false) charges hadn't caught up to the card, whatever that means.This company has poor customer service or serious security breaches and should be avoided like the plague! I could not even check my account online. They only let you make payments so I couldn't monitor my own account. Horrible service!

I am considering signing up for something like Lifelock. However, if it was someone inside Wells Fargo who was causing these false charges, I'm not sure how a place like Lifelock could help me recoup my loses since someone inside Wells Fargo also has my other information to make it really look like I made these charges.

I recorded it as awaiting authorization and went back and forth in email with the merchant and the bank employees. I sent to the dispute office. I began to grasp a hostile environment, so returned to attempt to thwart it myself, gaining all but $19.00 back. I then could not get the man to return the rest and emails show I was ordered to accept the new contract or else. Contacting Wachovia, I again explained to them what was transpiring, only to find unusual reactions. After some time, I began to realize it was coming from a crew of African-Americans and often heard laughter in the background of snickering, prompting me to begin wondering if this was a discrimination act by dispute office.

In a short time, a man called me from the dispute office, to inform me, he was "going to settle this" very angrily due to what he knew I was filming out of my account. The other merchant was threatening, now Wells Fargo dispute were threatening. He told me that I was going to speak 3-way on the phone with the merchant,and I refused, he was yelling on the phone, I had already filed a complaint with another state on learning the merchant did not have a license to operate in the U.S. As he claimed, so it was going to likely be a criminal investigation, thus no contact was what I needed to do, not thinking Wells Fargo under the dispute who had taken over Wachovia disputes were even involved. I hung up on him after several refuses to prevent discussions.

Within a minute, I had a call back from the man, who claimed he now had the merchant on the phone and I was going to talk to him. I told him off and hung up. Wells Fargo staff then authorized the man to remove the $19.00 out of my account without my consent. Sounds innocent? No. The forced payment of an unauthorized amount to this merchant against my will, locked me into another one-year contract and while the bank dispute office claims it was up and up all my paperwork, all my letters and emails clearly show in no way had I agreed to this.

I was sending messages to Wachovia-Wells Fargo, I had not approved this before, during and after. Gets better; still arguing that they did not have the legal right, they then, after I had gotten the refund, and had refused to allow them to be involved, refused to send the consent form they demanded I fax over that they could take actions, hid a "Courtesy Provisional Credit" added to the account, after I had gained the partial refund myself minus the twenty. At the end of the month, this appeared in the account, along with the sudden removal of it causing the overdraft. Then, as we are arguing they intentionally inflated and deflated my account out of spite, and to gain the overdraft, they hid another small one while the first had not been resolved. Causing yet another overdraft.

I have refused to pay either and have refused to place anything into the account because I have the evidence showing: 1) They were not authorized to act on my behalf as they did. 2) They locked me illegally into a year contract against my will. 3) They posted the amount after I had gotten the refund, their records show, meaning there would be no need for it other than to intentionally inflate the account to do what they did. 4) They provided me absolutely no notice they were doing so (only later did they claim they had sent me the so-called letter though, trust me they never did). 5) They hid the next item in the upcoming situation from me as I was taking pictures of the account almost daily.

I will not pay these, but right now they owe me an estimated $1,200 for forcing me into a contract against my will out of the dispute office. Suspecting these are not bankers as they claim, I did research. They are not, most of them are part-time employees whose requirements barely demand they graduate from high school. They are in fact telemarketers and answering services. The background shows it is a sub-contracted part of Wachovia-Wells Fargo under Diana **, Group Executive Vice President, Wells Fargo Customer Connection and it is all a ruse to the customers. They created what they call the 'Executive Office Secretary' which is to be the higher level and inform the customers this is the Executive Office of the CEO and Board. It is not.

It is set up to to protect the company. It is simply a branch of the online service telemarketing. They state they engage in sending complaints to the Executive Committee. I did not buy it, and I was right. One finally admitted this was also simply employees who supposedly got together and sent out letters, which by the way, are not sent out but appear on the records as having done so. It's all a ruse and front for the company of Wells Fargo CEO to gain protection and fool the customers. None of them have positions worth mentioning and almost all have developed the bait and switch game of telling the customer they would get a supervisor, the supervisor is simply a co-worker, having been GM, you know the game. They kept slipping. They would have to get the manager over them, which for customers, supervisors do not have managers. So it's all fake and meant to thwart the customer from real service the laws and SEC require them to have for consumer protection. I was sent a letter when one of the so-called online bankers claimed, WellsFargo and Wachovia could and did rotate funds as they chose when they chose in any order they chose. In writing. By staff. Proud of it. Daring me.

It was then I began doing research, absolutely certain that Wells Fargo had assisted in creating the situations and there had to be more. I learned of the massive class actions already going on, even in Florida. Then, when I began to suspect discrimination as well was going on, I and my friends started checking overdraft complaints as we found them online, there I was again correct. There is a misappropriated amount of complaints from women who have encountered the Wells Fargo dispute office and all have very strange stories to tell. From what I can tell, it's running 80% complaints of white vulnerable women by comparison to men. Then, I decided there had to be cases of discrimination I knew nothing about and today I was right, there is a class action of discrimination going on of female employees in Wells Fargo-Wachovia which supports what I found so far. Not only are the female employees being discriminated, so too are the women in the community and it appears to be greatly generated under white American women from a power group within the Wells Fargo Corporation and Wachovia. I won't list the hundred of thousands of lies told me by staff, but I will say, I gained a lot of their names and documents.

At one point, a local manager was giddy claiming she had a letter from the fabled "Executive Office" on file and she would just send me that. I let her. The letter incriminates them 1000% but because they are not trained and are simply telemarketers, they did not catch the contents of the letter she sent. They now claim that they do not have a copy of it, and I said, well, that is really bad, since when I told you there was no letter sent to my home as you claim. You said, "We sent it, we have it, we can't prove you got it, that is all that counts." was now applied. I had it, they did not, and they could pretend I sent them a copy of it as they claimed I had been sent.

Often, they claim they can not access Wachovia accounts from Wells Fargo. Complete fabrication. When the company learned at Wells Fargo that I had as much evidence as I had, the online staff immediately accessed my account. According to the local authorities, Wells Fargo is Wachovia. I spent an incredible amount of time fencing off lie after lie by this company and its staff.

Hortencia also contacted my unit secretary and questioned her about my position and why I don't return phone calls to jeopardize my job. Hortencia played like she was a mother of my client and after my secretary asked who was the client she was calling about, Hortencia hung up on her. My secretary is willing to give a statement about the phone she received with Hortencia and I have the message Donna left on my supervisor's phone along with several other message they have left on my work phone flooding my work mailbox (which I have service 81 clients) prohibiting them from contacting me.

This interferes with my work and could potentially get me written up. I have worked with Hortenica in the past in setting up payments for my car note and has made it very clear where I stand financially. However, they continue to jeopardize my place of employment, to no avail. I need someone to contact them immediately as they are jeopardizing my place of employment.

We have had contractors that were not yet paid for their work in 2009 and now they are going to put a line on the property. Our insurance company said that it has been too long and they won't pay for our rent anymore. So now, if **** is not going to pay to put the house finished, we are going to be homeless. They have made a lot of mistakes loosing money, misplacing money and putting us in a real bind.

I then flew to Las Vegas with a key that I had made through the VIN number. I went to the address that Wells Fargo had on file and I did not see the car. I also went to the police station to see if I could somehow get the car or report it missing. They stated that the car was under her name as well and there was nothing that they could do. One of the officers stated that I could file a report for embezzlement, but I would have to send a demand letter first. I also went to DMV in Las Vegas and I found out that the registration was late and the insurance had lapped, and there was an additional fine on top of it as well. I flew back home to send a demand letter of my request, bring the payment up to date, or give back the car. I heard nothing.

Wells Fargo was aware of every move that I made and they knew that I was trying so hard to get the car back but still they had no compassion. They where only interested in the payment. I also tried to refinance the car in my name only, but I had to have the car first. I then drove back to Las Vegas to file a report to the police station. I spoke to an officer and he called the auto theft department. I found out that I would not be able to get Miss ** for embezzlement, so I then drove back to where Miss ** lives and waited and then bingo, she finally came home and I got into the car and drove off. I called the police department to let them know that if they received a call that the car had been stolen, that I am the owner of the car and it was not stolen. They asked why I was calling them and I told them that I'm calling just in case Karen ** calls.

I then flew my nephew to Las Vegas so we could drive the car back to California. I also made 2 car payments to bring the car up to date. These late payments were not reported to any credit agencies. Miss Verna ** kept telling me that I have two missed payments. I made good on them and if she were to really investigate all the calls made to me and to them, she would see that there were no missed car payments. Sure, there may have been a returned payment, but that was due to Miss **. In the mean time, I was still trying to get the car in my name only. I spent many hours and time on getting all of the info that they wanted to refinance the car. At that point, I gave up on the refinancing knowing that Karen could come and get the car anytime and drive off as well.

My nephew had the car for about 5 months and I always had to remind him to make payment and this car had caused me nothing but heartache. I also paid the registration and I brought everything up to date for California. I was only doing my best to save my credit and make good to Wells Fargo, but they were still rude. I decided to get the car back from my nephew, sell the car, have the loan paid off, and get rid of Wells Fargo. I also went into Wells Fargo Bank in Alamo, CA and spoke to the Branch Manager. She told me that I should contact the auto department and see if I could do a settlement. I did that and I was denied. Wells Fargo stated that I did not have a hardship and they would not help me. I asked how they reached their decision and they stated that it was based on my 2008 finances. This is now 2010 and they have no records of my finances at this time. I have been on disability due to HIV health reason.

The car was Blue Booked at around $6,500.00 and the loan out standing was at $9,700.00. I placed the car for sale at $8,900.00 and found a buyer who would pay $8,500.00. I would pay the remainder, no problem. The buying party and myself went into the bank and made payment in full. They made payment of $8,500 and I about $910.67. I also had filed to the Better Business Bureau. I received a call from someone at Wells Fargo and we spoke for about 30 minutes. She would have to contact her legal department and would call me back. She then called me within 30 minutes and stated that they would accept the settlement of $8,500.00. I stated to her that I made payment and I wrote a check for the rest. She stated, "I wish you hadn't as it will make it more complicated to get my money back to me." I stated to her that I could go to my bank and stop the payment and she stated that it would be the easiest way. Not at anytime did anyone state to me that this would be listed on my credit report as settlement.

Almost a year later, I went to buy a new car and they stated that I have a settlement on my credit report. If I knew someone at Wells Fargo, I would have taken the time to explain what the outcome would have been. I would have never excepted the settlement and have had them keep payment of my check. Wells Fargo kept telling me that I did no such thing. I have called San Francisco Wells Fargo Corp. I went there and explained my story to Corp. employees who stated that there should be no problem in making the status on my credit report due to the miscommunication. Now, everyone is covering up and sending me these long letters and making me as if I am in the wrong. I will not give up. I called one of the gentlemen whom I spoke to at the Corp. Headquarters in San Francisco and I called him back after receiving a rude conversation with Verna R ** after only 2 days, stating she had investigated my concern and that there was no possible way she could have read every call made to me. He was very standoffish and basically would not discuss anything more with me. It was as if the legal department had spoken to him and told him not to talk to me. Now, I'm dealing with Verna and she is sending many letters giving me reasons why the settlement is on my report. Put me on a lie detector, you will see that I will pass with flying colors. Wells Fargo is unfair and untrue.

But then on 1/20/11, we received a letter in the mail stating that we were going into foreclosure for not making payments. After speaking to a customer service rep, I was transferred to Bradley **, who was apparently assigned to our account. After getting nowhere with him, I requested to be transferred to Pamela ** since she was the one who advised me not to make the payments. When I spoke to Pamela, she was shocked that I was put in foreclosure since my account was still "In Decision". She admitted that she had told me not to make the payments and told me she would speak with a manager. A few days later, she called back and advised me that she listened to the recorded phone calls and that she had told me to stop making payments but there was nothing she could do. She told me that I was still "In Decision" for the loan modification and that there should be an offer before the foreclosure go through.

I decided not to wait for the decision, which has still not been made to this date. I got the money together to pay the late payments and all of the fees associated with the foreclosure. I believe that Wells Fargo, at least, owes me the foreclosure fees since I should not have been put into foreclosure when I was advised by their Home Preservation Specialist to stop making the payments. I feel that this is fraud and they did this either because I have a lot of equity in my house and a foreclosure would have been worth it financially to them or because they got all of the fees from the foreclosure and they would have rolled everything into my modification. I cannot get to a contact at Wells Fargo who can help me with my request for the fees. My home is out of foreclosure, but I am out almost $1,300 because they put me into foreclosure. I would have kept making payments if they had not advised me otherwise.

We recently received letters indicating that you want us to short sale and that we are under foreclosure. It is important to me and my family to have a decision making representative call us or email us and explain to us how a property that has about 50% equity should go on short sale? Why would Wells Fargo suggest such an option? Also, why are we under foreclosure when payments have been made and returned to us?

We have a total of 9 $600.00 checks cut from Wells Fargo to us. That is a total of $5,404.33 and we get a statement dated 1.7.2011, saying that our balance is $5,613.70. Can someone please contact us or our attorney and explain what this means? I need to know what is it that Wells Fargo is trying to accomplish with us.

Is it that you do not like the fact that I try to pay by monthly and save interest, and instead, what you were doing many years before all this was pleasing the amount on escrow and then applying it when the total accumulated while all the time, charging late fees, fees, and fees? I assume that it's only fair and legal that someone explains this practice where it makes sense to all. Or is it that you are trying to force us out of our home so you can keep the equity?

It seems to be no wonder that Wells Fargo is under such scrutiny with the government and so many states. I just wish that we get the assistance we need to make sure justice is carried out in this abuse of power against a family trying hard to keep our responsibilities taken care off. I'm looking forward for a prompt response from someone responsible in this company and try to be more personal and direct with a signature block indicating who you are).

When I deposited the check, I wrote the deposit slip for the gross amount of the check minus $1,200, which I received in cash. The check which I deposited was more than $5,000. My bank account balance was $582 on January 7, from my deposit of more than $5,000. However, WFB gave my account a negative balance of $645 on January 7, 2011 because they placed the January 11 and January 19 hold on in my account; the check was pended for clearance. My bank account showed a negative balance for January 7, 2011 – January 10, 2011. I wasn't able to take care of some of my financial responsibilities, and I incurred a $50 late fee for a late payment. I need to book airline reservations today and I cannot do it because of the hold that remains on my account through January19, 2011.

When told that the ratio was much higher than the first time we applied, I asked how that could be since we had paid our equity line to zero? I was told the figure used for business income was considerably less than they used on the first application and they were excluding our rental income, even though we have declared that income on every income tax return since 2006 and the checks for such are deposited in our personal checking account at WFB. When I questioned them about this, they said that "determination of rental income depends on the circumstances". Based on this and other inconsistencies in the processing of both loan applications, we feel WFB deliberately and unfairly blocked our ability to secure a loan when the rates were down. We have begun the tedious process again with yet another lender, but unfortunately, the rates have crept back up above 5%.

They arrived at 6 months by deeming him "withdrawn" for summer, and also the 4 months at a foreign university. He has spoken with the registrar's office, and they are going to remove the "withdrawn" status, as soon as school starts up again, and they will show that he has been a full-time student. I spoke with a supervisor at Wells Fargo who agreed that this loan is not ready for repayment yet, pending the verification.

They still call and demand payment anyway. A very rude woman refused to give me her name and hung up on me, when I asked to speak to her supervisor again. She seemed frantic to get a payment before his school has the chance to verify that he is a full time student. When asked if WF would refund the money, when we prove that it is not owed, she said no. In addition, another collector told my son that his 6 month repayment deferment after graduation, would be reduced by the 4 months, that he was in school abroad, but the supervisor told me that is not true.

It seems that while the supervisors know the terms of the loans, their collectors will tell you outright lies, in order to get a payment. One of them "explained" the terms of the loan, and it was obvious she didn't even know the difference between forbearance and deferment. WF should not allow clueless collectors to make legal interpretations of contracts, especially to college kids, who expect that the personnel of a large bank, like Wells Fargo, are credible. They are taking advantage of these kids. They are threatening to ruin my, and my son's credit. My son is stressed out and worried, that they will revoke this semester's pending loan, since they currently have him shown as being in default on his first loan.

On or about the 3rd of December I called again to tell them I had no receive the check and was told the same thing as before, it was mailed out on the 29th of November and that it normally takes seven to ten days to receive it. I called back on the 15th of December and was told the same. This time I told the manager that this was unacceptable they needed to have someone send a check today. He in turn told me I had to fax him a letter telling them I had not received the check. Even though they could see that the check had not been cashed, I was told that this is what it takes for them to cancel the check and send me another.

I informed the manager that this did not make any sense. He said that it is their policy. They claim that they mailed this check on the 29th of November 2010 and here it the 29th of December and I have yet to receive my money. I have called them several times again and keep getting the run around. Can someone please help me get what rightful belong to me (the sum of $240). Any help you can give would be greatly appreciated. Thank you

My claim was opened with the Wells Fargo Claims Assistance Center and recently concluded on December 7, 2010, exactly on their 90-day resolution deadline. I have provided evidence of the falsified personal information including, false telephone number and false email address on the merchants copy and Wells Fargo is continuing to reverse the credited $1,678 and look into my letter of appeal with horrible customer service.

Their Assistance Center is giving me the runaround to different representatives, placing me on hold at 10 minute at a time, having to wait for their supervisors' replies and so forth. The discrepancies that I proved wrong in my letter should have been caught through a supposed investigation. Furthermore, I have never spent an extremely high amount of $800 and $879 via online purchase, nor would have consecutively 2-days apart. Any transaction in such a high amount has always been through check or withdrawal in person at the branch's teller.

These statements can also be verified by looking into my previous and entire history with Wells Fargo. These statements should have been investigated as such a Claims Assistant Centers personnel job description entitles them to. Please help! It is near Christmas and unless resolved soon, I will not have any money to purchase gifts, purchase gas, food, etc.

When I called Wells Fargo I was told that I was disqualified by the 2nd month into the agreement due to a late payment. This was completely untrue as I have the bank statements that clearly specify the check was cashed on time. Nonetheless my question to Wells Fargo was "why not inform me on the 2nd month immediately following the disqualification?” They had no defense or explanation. Wells Fargo has been unwilling to assist me in establishing some form of repayment and has now begun foreclosure on my home.

This is genuine corporate robbery and I for one intend to file criminal charges against Wells Fargo. If this were occurring in any other setting for instance a neighbor coming in my home every day while I was at work and taking my food out of my refrigerator, upon discovering this person I would have them arrested. Wells Fargo has done the same thing entering in a deceitful agreement. Tricking me for months and now attempting to steal the roof from head.

I told the person I spoke to at that time, November 26th at about 5 PM, (did not write down the name), that I would send the $24 late fee with my December payment, but that I wanted to check my records on Monday, November 29th, to be sure the date he gave me was correct (he said they received my payment on 10/21-which was correct). He said, he would note my account. I received a second call on November 27th and had the same conversation with a woman (whose name I also did not write down) and a third call on Sunday, November 28th at 9 AM, again, the same conversation.

At this point, I was becoming angry. I cannot believe that a total of two late payments (never more than 4 days) in all the time I have had an account with Wells Fargo would generate a call that starts out, "This call is an attempt to collect a debt." I understand the banks point, that I paid late and therefore I have to pay a late fee; I get that and I accept it. However, after the fourth call on November 30th from 'Elma', I was made aware that I also had to pay another $30, because I did not make my minimum payment in November.

Apparently, when Wells Fargo adds a late fee to your credit card, it becomes part of your minimum payment. So, although I paid my 'actual' minimum payment, the late fee for October generated another late fee (which they were calling a below minimum payment fee). Essentially, a late fee on a late fee - my rate was also increased. This made me quite angry and I asked to speak to someone other than 'Elma'. This is when I spoke to 'Michelle **,' at about 10 AM on November 30th, who stated she was a supervisor.

Basically, she did not want to hear anything I had to say, the fees would stand and could not be reversed. I asked to speak to her supervisor, which she flat out refused to let me do. She said there was no one else. When I asked her if she would work with me, her reply was, "Fees cannot be reversed. I reverse fees daily in my position, so yes, they can be reversed; she just chose not to work with me. After hanging up, I contacted my customer service representative at Wells Fargo, spoke to 'Courtney' and asked for a payoff. She also started the conversation with "This call is an attempt to collect a debt."

Actually it wasn't, I made the call to get a payoff, I never had any intention of collecting a debt. Obviously, they have a script to follow and read it regardless of the situation, which proves they do not listen to what you have to say. What makes me the most angry, is the fact that they can look at my history with them, and it means nothing. They are calling to 'collect a debt' which is actually a fee they were looking to collect and not my actual payment. They penalize paying customers with a higher interest rate and phone calls from people who treat you like you are a criminal.

I feel badly for those who have missed a couple of payments. If they treated me the way they did, how on earth are they treating those with hardships? I feel that the compounded fee is unfair. Just because they print the 'rules' in a brochure and send them to you, should not mean they can charge whatever they please. How is a person who is having a problem paying supposed to catch up? How are those of us who can make payments on time supposed to get ahead, when fees on top of fees are being charged? Each month, you are late another $25 is tacked onto your balance and since you are not making the minimum payment that's another $30 fee. That means, for someone who has lost a job and cannot make a payment every month, another $55 is added to the balance - that's $660 a year! This is excessive; Wells Fargo should be ashamed of the way they are treating their customers.

I spoke with her supervisor Myra **, and she wasn't any better. She asked me again why I was still late on my payments and she blew me off, and said that we all have payments, that's not a good excuse. I explain to her I recently went through a divorce and she ask me when did the divorce start, and how much I paid for my lawyer. I personally feel like that was not of her business, but I proceeded to tell her that my ex-husband and I have been going through this for 2 years due to abuse, the law was involved. She said, "Yea, I don't believe it took 2 years to divorce. Wow, that was the longest divorce ever." Because a lot has happened to me that she couldn't and didn't understand, it offended me and crushed my spirits. All for payment on a vehicle that I need and will get caught up.

Wells Fargo also have set me back financially due to withdrawing money for my vehicle note twice on the same day which caused overages in our bank account. They did refund days later, and after two weeks of being completely broke and other bills in jeopardy due to the insufficient funds that incident caused, I had to in turn make another payment. This also has caused me to stay behind. Please help me in this complaint.

When I contacted the Jackson County Recorder of Oregon, they had no such agreement on record. Attempts to contact a second signatory to the agreement, Mortgage Electronic Registration Systems (MERS) Inc., were unsuccessful. No one answered the phone and their website gives no information. We have never been told why this third party, MERS, is now involved in our mortgage. I might also mention that we participated in the HAMP program and made approximately $4,000 in payments before getting rejected. Wells Fargo Bank has never told us what they did with our $4,000 and we fear that without a signed mortgage modification agreement, the same thing is going to happen again.

This is the interesting note: During one of my phone calls to the Wells Fargo Loss Mitigation Department, the person I spoke with told me that, "I don't know what promissory note is. They never told us that in our training.” How can such seemingly illegal activity be allowed and is there anything we can do as consumers to get the straight story from Wells Fargo Bank? Not once in two years have they responded to our written correspondence.

The assumption on their part is that I am at fault. The assumption that it is my job to figure this out rather than them. The inability of their system to receive payments in the way (twice a month) I had been paying but failing to notify me about this inability. And the best one of all, my payment inexplicably goes up about $50 per month with no explanation. There is no reason it should and they can't tell me why it did. But still they expect me to pay it while I wait for them to figure out what the problem is, yet I have seen and heard nothing to make me know/believe they are doing anything. My blood is boiling as I write this.

This damn well better not affect my credit rating. It's affecting my health for sure. Notices that I am behind/delinquent are false! All Wells Fargo needs to do is assign someone to research the problem. And hey, even if there might be a delay, how about a little communication that they are at least trying to resolve the problem? The only thing their customer service agents are authorized to do is accept payments (collect that money!). They are not in place to genuinely help with customer issues.

How was I to know that not using the account for whatever set of time would completely close the account? I went into a branch to inquire why the account was closed. I was informed I could re-open a new account, with a $100 deposit. Why should I have to pay to open an account that I already had to begin with? I became annoyed with the rep who was trying her hardest to get me to open another account. I asked to speak with a branch manager whom "somehow magically" waived the opening deposit.

Fast forward to a month ago, I applied for a payday loan (I know, so smart). And once I came up with the money elsewhere, I called the company and asked to have the application cancelled. Unfortunately, this company has no idea what that means and tried to debit my account for a $19 application fee. I called Wells Fargo and asked them to reverse the change, because it was unauthorized. I was promptly told it would take 10 days and I was going to be charged a returned check fee. Okay?

I agreed and asked if there was any way to stop this company from attempting to draft money again. I was told by this representative that there would be a stop payment placed on this company for 6 months. Well, she lied, because 30 days later there was another charge for $44 from this same company, a check reversal and another $35 returned check fee. I called and spoke with another rep. She claimed to have placed a stop payment on the company. Needless to say, my account is currently at -$150 in debits, check reversals, and check return fees.

My last encounter with Wells Fargo was when I finally answered a call from customer service. Only after they called 5 times a day, honestly 5 times a day, inquiring when I would cover the -$150 balance on the account. Are they serious? On top of that, I have grown completely annoyed with the constant attempts to sell Free Bill Pay.

Every time I call, I was bombarded with solicitations of Free Bill Pay, which I decline every time, because I simply do not pay my bills online. The final rep I spoke with had an attitude when I asked her why every time I call in, I am asked to sign up for this service. And I asked why there are no notations as to my constant declines. Her response was, "Well, if you just sign up, we will stop asking you every time you call (and this was stated in an annoyed "just sign up for the ** thing" voice).” I hung up the phone and have requested to have the account closed.

I don’t care if I get free checks (that I will never use), free bill pay (that I will never use), free online statements (that I never look at), or no monthly account fees (I still don’t understand why you charge me to have an account with your company). I have definitely told my family, friends, and co-workers about my experiences. Good Luck in retaining customers Wells Fargo!

I called today and it is too early to pay December's bill. They were unable to help me without my check's routing number, even though I had my ATM card with me. AT&T had no problem accepting my ATM check card over the phone. These people just want to rip you off of every last dime you have.

When I went online to make my next payment, I found that I was unable to complete the transaction. Unable to locate an address on the companies web page I contacted them via email on their site. I was never given an address to send payments and have been trying to play "catch up ever since." Trying to explain to these people that I am budgeted down to the last penny and cannot afford to make "extra payments" every week as they want has been as effective as trying to smash through a brick wall with my head. Via representative "Patrick" I have been promised "a hardship extension" because of an emergency veterinary bill which was over $500, also promised were assistance with refinance to lower my payments and make them "affordable." None of which, of course, ever came forth.

Even with making payments, I was continually harassed with constant calls at home and at work, sometimes as many as 3-4 per week. When I requested not to be contacted at work because it was jeopardizing my employment, I was assured the workplace calls would stop, only to receive one less then a week later! These people have made my life so hellish that I refuse to speak to them anymore. I am tired of the lies and empty promises. Last week (again at work during a very hectic day), I spoke to a woman in the "repossession department" to try and resolve this issue. On the basis that I would make a payment the following Monday, she stated that she would "put the order on hold." A payment could not be made before then because an error by the payroll department caused a delay in the automatic deposits for hospital employees.

On Monday due to an illness now identified as a swelling of the trachea and bronchi, I was a patient in my own ER for difficulty breathing. I was not released until later that evening and went home after filling prescriptions. The payment was made the next day by money gram as requested, leaving me enough money in the account to pay my auto insurance. Under the impression that the matter was resolved, my husband and I decided to follow through with plans made several months ago to travel out of town for the weekend.

Imagine my surprise when I returned home twenty minutes after dropping the dogs at my mother's home to find that not only was my vehicle missing, but my purse containing the medications needed to breathe normally, close to $400 in cash, my cell phone, my digital camera, credit cards, debit card, banking information and checks were also gone. When repeated attempts were made to contact the people who took the vehicle and have my possessions returned, we were told that the office was "closed" until Monday and I could retrieve my belongings by driving two hours and 100 miles at that time.

When Wells Fargo was contacted (after I found a phone number for them written on piece of paper in an old purse), I was told that "No one ever promised you those things because we are not allowed to," and that my vehicle was repossessed because I didn't call in a reference number from the money gram. When I asked if the payment showed in the computer, no answer was given. In one sentence, I was told that I was 52 days in arrears and then in the next I was told that my payments were three months behind. I think perhaps someone needs a remedial math refresher course because where I went to school 52 days does not equal 90 days.

The result: We were left with no money for heat or food. I could not replace my medications because all of my financial resources were in my purse. My health is in jeopardy because of this and as I write this I am finding more and more difficult to breathe normally. We are also out of the expense of the prepaid hotel rooms, the tank of gas I placed in the vehicle and all of the expense incurred thus far including the recent payment of $460.10 made three days ago.

This is not being discouraged by the supervisors because if their team does not meet the sales standards, then the supervisors are held responsible. The standards for sales are continuously getting higher and more out of reach. The call center seems to be focusing more on the profit of new accounts/product sales than to help the actual reason the customer is calling about concerns/questions about the account). I have seen recently on the news about banks doing improper practices in regards to foreclosures and would like to bring this to the attention of someone. Thank you.

In the mean time, they have called repeated times and 1 story I was told was that they bill ahead and that is why it states I'm past due. Again I was told by managers at this point they will take care of and I got a call 1 month ago and was told sorry for any grief or pain they have caused me and again said they fixed everything on there end. Today I get a called at my work and it was collections dept again and I just said put your manager on the phone. He was very rude and now says I'm 90 days past due.

I again, after I got my blood pressure down, was told that it will be fixed and he found that the person in charge dropped the ball and he would personally fix. I said when will I get a call back that it has been taken care of and he said by 5:00pm today. It is 7:00 on the same day and no call. 2 major concerns that I have is that if Wells Fargo can't even take a payment and post it to a mortgage in the proper way and proper time, these people now are reporting to my credit bureau that I'm 90 days late.

After at least 20 phone calls to try and work with them, I want someone to help me give them some of the stress and mistreatment that they have done to me. I know people get late on payments and have hard time to make payments etc because of economic times and I understand that. I however have been lucky and have paid everything on time and have never been late on a payment in 30 years.

I even heard that as one of the reasons for wanted paid ahead, because of economic conditions they have to do business this way. I am a manager for 3 franchise stores and I could never abuse my customers like this nor would I. Suggestions and input would be great. They are trashing my credit if they are even correct on that they say I'm 90 days past due, and they can't even post a payment on a mortgage. I will take what ever steps I have to now to find how they are miss using the system and get to the bottom of how bad they have ** me and others.

They also sent me a letter in the mail for consumer counseling. Are you kidding me! Manager told me in there notes that I hung up on them in one conversation. I didn't hang up on them, my cell phone went dead after being on it so long with these incompetent people. I have 3 accounts with these people and they have just lost all 3 as soon as I get done shopping rates.

I also sent Ms. ** a reminder email last month, and her response was, "I didn't make the offer, my boss Scott ** did." Wow! Needless to say, a financial Institution of this magnitude should have quality staff. Wells Fargo has, and continues, to earn a substantial amount of money from us--now and within the last 20 years. We feel that we were treated unfairly throughout the whole loan process. It is unfortunate that a complaint needs to be filed at this point. However, when speaking to a friend last week, she advised me to file this complaint.

No one in their entire company is competent enough to handle other peoples money. I went to the bank to speak to someone in person. They said the money had to go through a process that would hold my funds for 5 days. I simply couldn't wait that long as my electric bill was due and I late fees are not affordable for at the moment. To have any chance of access to my own money they had me open an account just so they could give me a temporary credit to allow me to access my money that day.

What the bank manager did not tell me was that it was just for that day. However clear the phrase "temporary credit" was to him, he should not have assume I fully understood how temporary the credit was. The next day under the assumption "temporary credit" meant funds would be available until my real funds posted. I went online to pay my electric bill and then I called just to make sure the funds were there and my balance was $0. When I called, I found out how truly incompetent this bank was when explained what happened, everyone, including top level supervisors responded with there's nothing we can do ! This is ruing theme for Wells Fargo.

I didn't get my fund until Tuesday and to add insult to injury, everyone I spoke to was rude and indifferent. I had not experienced this with Wachovia, so wasn't sure how to proceed. No one would help me. No one cared and the supervisors were nasty. I asked if I could speak to someone above me and they said no one could do anything for me. Its sucks when no one cares to try to help. Then it happened again this week and it was worse. They did nothing for me not even a temporary credit or anything, they just keep taking the money and holding on to until Tuesday and the supervisors were even nastier than before. I hate Wells Fargo.

Last year, I applied for a loan to cover school. I have graduated from undergrad and I am waiting to be accepted into a graduate program. Since I technically am not a student any more at UCLA, I technically could not get a student loan. There appears to be no loan for someone in that in between state which is frustrating in itself. I was referred to Wells Fargo to take out an auto loan. Seeing as I only needed $2,000, I thought it was ridiculous that the lowest amount was a $5,000. On a quick separate side note, it also seems extreme to need a co-signer when you own your car free and clear and it is valued above $5,000. If that is the collateral, why need a co-signer? Again, not very customer friendly. I was told that I needed to go into a Financial Dealer Branch to sign my loan papers.

I explained to Alex on the phone that I would have my diabetic grandmother with me who would not be able to wait very long due to the fact that I could only come in after work and that would be around the time she needs to eat and take her insulin. He set up an appointment and assured me that everything would be ready to go and should not take longer than 30-45 minutes. Arriving at the branch, we were nicely greeted, offered water, and shown into a room by an assistant where we were left to wait. After about 30 minutes, the branch manager did come in with papers but it turns out that he was asking me to sign up for an account. I politely refused and then another lady brought in the loan papers. My father and I read everything before we sign the documents and asked questions if we do not understand something.

The lady that was sent in to help us did not know most of the answers to our questions and had to leave every few minutes to ask someone else. After everything was signed, we were left to wait again. For 45 minutes this time and not once did someone come in to explain anything to us. As I said, I am a very understanding person but without an explanation to understand that becomes difficult. After about 25 minutes, I went and asked the female what was taking it so long. I was told that the system to process the loans was either lagging very badly or too busy at the moment and was going very slow. That should have been explained to us. Instead while we were waiting in the room, I looked out at the branch manager, a Richard I believe, and he looked directly at me and laughed. He could see that I was getting upset.

The two people that I mainly came into contact with at this branch were both condescending and treated us like we were not the main priority. I felt the breakdown in communication between Alex on the phone and the personnel at the branch led to a long undesirable transaction. I called Alex afterward to file a complaint with him. When receiving the loan, I had asked Richard if I could cash the loan that day and he said yes. It would have been nice for him to mention at that point that some banks do not cash third-party checks and since both my and my co-signer's name were on the check, we would both need to be there. I understand that he does not know the policies of the financial institution I bank with, but it would have been a great customer service selling point to have that information.

In October of this year, I made the decision to pay off the loan. I called on October 9th to get a quote. I received a fax quote of $2,296 good until October 19th. I wrote a check on October 14th and between my job and my car, I believe I dropped it. On October 15th, I called to request a re-fax of the quote. I was told that the quote would be $2,301 because a computer generates a new quote every day and it is impossible to get an old quote faxed again. I was not told that I did not need a hard copy of the previous fax quote, instead I could have just mailed in a payoff check for the quote amount, which I later learned from Carmen. I was told instead to go into a branch and pay there because I would not have to pay the difference in interest.

I went into the branch to pay and was told that the account balance was $2,210. I asked the teller to repeat it and then asked if she was sure because the quote on the phone was higher. She said that was pay off amount and to write pay off on the check. I did, received a receipt, and left.

On October 20th, I called to make sure that the loan was paid off because paying less at the branch was strange to me. The automated system said that I owed $170. I called guest services and spoke to Carmen who was very nice and helpful despite me being very aggravated. She explained why the amount at the branch was lower and why I still owed on the loan although she said that I only owed about half that. Here is what I do not understand: why do the branch and the auto services not communicate the correct amounts? The way it was explained to me is that the branch apparently only saw the account from the last time it was paid in March and that the difference between the two numbers I was given was the interest accrued in the time since then. I do not think that it is my fault or my responsibility to monitor the communication or miscommunication between a Wells Fargo branch and their auto services.

I went into the branch on October 15th to pay off the loan and was told that I did. I received a receipt. I do not understand why I am having to go through anything else on this loan because Wells Fargo cannot get their communication together. Maybe a $5,000 loan is not a considerable amount to Wells Fargo but a reputation goes a long way.

I am currently looking for a house with my fiancé and if this process had gone well, a more considerable loan might have come to Wells Fargo. Instead, there are multiple opportunities Wells Fargo missed to prove how well put together a company it is with great caring employees. My encounter with Wells Fargo was terrible and I am doing my best to let my loved ones know not to count on Wells Fargo. Addendum added November 9th 2010. I wrote a letter and turned it in to the Customer Service Manager at my local branch on Thursday, October 28th, where I had another horrible experience with this company.

Before arriving at the branch, I called to inquire whether or not I would need an appointment to see a manager. I was informed that the General Manager was out-of-town but I could speak to a service manager. I asked the difference between the two and decided that the service manager would be appropriate to talk to as well. I was told that I did not need an appointment but that the manager would be going to lunch in about 30 minutes and would be gone for about an hour. I decided to go into the branch after that time because I needed to be somewhere else before then. I arrived at the branch at 4:45pm. I was asked if I needed help and then told to sit and wait and someone would be with me shortly. The man disappeared and came back and said that the service manager was on a phone call and would be with me when she was done. So I sat down to wait.

During this time, two people did come up and asked if I was being helped, but no one followed up on my request. After 25 minutes, a third lady came up and asked if I needed help. Upon explaining that I was waiting for a manager, she got a funny look on her face and said she would be right back. I watched the personnel this time as she walked behind the counter to where the tellers were working. There were only three of them at the counter but the line was short and moving freely. At this point, I realized that one of the three tellers was the manager and I was not waiting for someone to get off the phone. I was already a little frustrated at having to wait 25 minutes to speak to someone but I work in a guest service based industry and I understand that difficult phone calls sometimes can take time. But having seen the same three tellers at the counter the entire time I was waiting while the line was completely cleared two times over made me a little upset as obviously no one was on a phone call.

The lady came back and explained that one of the tellers called out and the manager was stepping in to help and would be with me as soon as possible. I told her that I had been waiting over 25 minutes, more than anyone else in line, and would like to speak to the manager right then. After a few minutes, another lady, Zully, came up to me and said she was not the manager but often assisted the manager and wanted to know if she could help me. I could not believe that someone else would be sent to help me after I had been waiting for such a time.

I am a manager at my job and if I treated our guests like that we would not get many coming back. Having waited almost 40 minutes at that point, I agreed. I started off by explaining about my horrible experience with Wells Fargo thus far and why I was there in the branch that day. Zully pulled up my account information and explained that according to her screen I owed $43.41. I wanted to make sure that there was nothing else owed though so I asked her to confirm that number. She said that she would need to call the Wells Fargo Financial line because technically it was a separate company. She also explained that the Financial branch had been closed and combined with the banking part of Wells Fargo which might explain some of the difficulty I was experiencing. I could tell Zully was doing her best to placate me but it almost made me more upset. Zully called the Financial line and after a few minutes came back and told me that I owed $43.75 if I paid before November 8th.

I explained to her that it made no sense because the quote I had received from Carmen said that I would pay $43.44 by October 29th and since the interest had changed to three cents a day, the day before should be three cents lower, hence the original $43.41. She called back and spoke to a representative who told her the same story that the quote for October 28th was $43.75 and she hung up.

I told her that was the same information that I had gotten on the fax quotes and since I was paying today, I was not going to pay the extra ten days interest even if it was only thirty cents. I also explained that if they had told me the correct amount 13 days prior, I would be paying a couple of dollars less so I am certainly not paying an extra thirty cents on principle. Zully then called again to confirm this information and was told that, yes, if I paid today the amount should be $43.41. I asked her to see if she could get something showing that exact amount since no paperwork I received had that amount written on it. The lady on the phone said she would fax something over.

Having confirmed the amount, I wrote a check, wrote pay off again and asked for the receipt. The fax ended was another computer fax quote saying I needed to pay $43.75 by November 8th. It is now almost 6pm. I explained to Zully that I wanted something saying the amount that was due and that I had a zero balance because the fax quote does not say anything about deducting interest if paid early, just adding interest if paid late. She said that was not possible as the check would not clear in the system until at least Monday but I had my receipt and that should be good enough. That made me quite upset as that was exactly what was told to me last time and that was apparently not good enough. I said so to her and asked if her computer printed. She said yes and I told her I wanted a print screen of the account amount and for a letter to be written stating that I had paid the amount in full and my account should now be a zero balance. She said it could not be done especially by her. I asked her to get me someone who could make it happen and was told that would be the manager who was busy helping other customers and it could be a while. I firmly stated that I would wait.

I finally saw the manager at about 6:05pm. Keep in mind the bank closed at 6pm so the other customers had already been helped by that time. She came over, introduced herself as Carmen ** assessed the problem, verified the amount, printed me a letter stating exactly the amount and the balance due, signed it and I was out the door by 6:15pm. Ten minutes after seeing the person I was originally there to see, my problem was solved. That, however, does not replace the hour wasted because a more inexperienced associate was sent in that manager's place.

Again, it was a very frustrating experience and I do not recommend anyone to bank or do business with Wells Fargo. It was just an overall waste of my time.

So I go down to my local branch on Arena Blvd. I meet with a banker that has no idea what she is doing, so she passes me to the bank manager Jason **. We sit down, Jason tells me that he will take over and call his own company, Wells Fargo. We sit there on hold for almost a hour. Finally Jason hangs the phone up and tells me his employees need to go to lunch and he has no more time to deal with me. Now remember, he was calling Wells Fargo, the company that he is a branch manager of. Wells Fargo has lost a customer for life. I left my debit card on Jason's desk

As a result, my name was sent to collections and I am now receiving notices from a collection agency for the overdraft amount, which is also reflecting on my credit status which has been harmed substantially. If not illegal, then it is surely a very unethical banking practice on the part of the Wells Fargo employee. I should in no way be responsible for the overdraft as I was not the primary account holder and had not my ex-sister in law, Janice ** intervened, there never would have been an overdraft in the first place. I have spoken with the branch manager, known to me only as "Scott", who was very unhelpful and who came across as trying to defend the actions of Janice **. He refused to give me his regional manager's name and would only give me a number to the regional administrative assistant named Shari **, phone number **.

I called and spoke with Ms. **, who told me that everyone was in a meeting and that someone would call me back. That was 2 days ago, I have not heard back from anyone. I have left several other phone messages on Ms. **'s answering machine. All have gone unanswered. I need some help in getting this matter resolved once and for all.

According to Nevada state statute NRS 205.372, it's category C to make mortgage loan and foreclose home based on fraudulent appraisal.

My ex-husband needs to pay the mortgage for the people whose house he is buying. The real consequence is that other people will continue to use this man to do their mortgage and winding being jerked around like we have been.

The stress they are causing me is unbearable and I cannot take it anymore. The supervisors both stated that this is Wells Fargo's policy. To ask more than the car is worth is ridiculous! My stress level is high and I cannot take it anymore! I cannot file bk because I work for the government and will lose my job! Help!

I have dealt with Wells Fargo unsavory billing practices before. It's always a big deal to pay your bill. When you call on the phone, nobody knows what to do or how to help you, then you are over charged and charged late fees for no reason. I called Wells Fargo; I asked for information to help me pay my bill. Wells Fargo has had my car not since the spring and the first letter or any correspondence I've ever received from them is dated on 10/23/2010 asking for 2 months payments and 2 late charges. I've been trying to find out how to pay my bill with them for months. I came up with an alternate way because I did not even have a www address for them and now they want to charge me. They can come take this car. I could care less. I hate Wells Fargo; they are thieves.

I placed a 'stop payment' on the charge and at the time WF said there would be a 6 month period for this stop pay. Today, I discovered that WF put this stop pay on all Target debit card purchases, not the one time debit fee. They didn't define in their terminology to include in the statement 'All company debit charges' in my conversation that day.

Target is charging me $500 in NSF fees, but they are being nice enough to reduce some of it. But, the Wells Fargo bank refuses to offer assistance in reducing NSF fees or budge on changing their terminology. I've done stop pays numerous times over the years and no bank has ever done this type of 'blanket stop pay' ever! So, fair warning to all Wells Fargo Bank users who need to do a stop payment. Is it any wonder why the banking industry has lost the American public's trust?

At this point, I do not believe anything they say. Now I have went over the limit by a whole $10. I was called several times this week alone. When I told the representative I would be paying for the account on next Friday, only a week away, she wanted me to put down a postdated check to pay for it instead. When I told her no I will make the payment on my own. She said, "Well, then we will just keep calling you through the week until you make the payment." I told her she could not do that, it was unlawful to harass a customer. She said she knew the law and she could do what she wanted. I said, “No, you can't and I have the right to report Wells Fargo for their wrong doing and I will.” She hung up. Of course, she did not bother to listen or really allow me to speak.

So, I was still in the process of clarifying this with my bank when they started calling me 3 times a day, from 8 am to 8 pm. Then I talked to several agents so that they would stop calling me. I made some arrangement until I can get this sorted out with my bank, but I still get harassing calls. They demand now. So I made payments, and the next day, they called me again. Where is the money? How come we haven’t received it? I gave them the confirmation number. The next day they called again. Where is the money? It takes 3 to 5 days for the bank to post it so you think they would stop calling until they receive the money? This is frustrating and they’re harassing consumers. I tried to be civil with these people. Plus I could hardly understand them because of their accent. It makes me more frustrated!

I had to rent out a car but ended up paying cash to rent it. It was a mortifying experience to get declined when you have more than a few hundred to your credit and to find out this way! Hertz rent a car staff could not believe this also. Our Taxi driver witnessed my son and I putting the money into the bank. Bad way to treat a consumer. Now they decided to bounce checks that were already covered!

Both times, I asked if they had contacted her; both times they had not. Both times, I pointed out that it was her loan, she had been making payments faithfully every month. Didn't they think it was reasonable to contact her first and find out why the payment was late before calling me, a supposed back-up payer, and getting rude with me as though I have done something wrong?

They know that I haven't been making payments for the past five years, do they think that because I co-signed years ago that I monitor her monthly payments? Isn't that a little ridiculous? Isn't she their customer and shouldn't they show her the courtesy of at least waiting 30 days before embarrassing her by calling her cosigner and reporting that she defaulted? She even attempted to get them to take my name off as cosigner, now that she has her own great credit rating, but they refused. It's less than $10K, but they are jumping around like loan sharks are nipping at their feet. A look at her history (and my history) clearly shows that an error was made, but they seem to have only two modes--ignore, or harass.

I had been out of town for business, as well as for personal matters and had called to inform that I would be having surgery and charging a fair amount on my card. They informed me that my card was not valid. I informed them that I had been using the card for over a year. They wanted to put hold on the card. was out of town, and scheduled for surgery. Yes, I became distraught, told them no. I was told okay but to go to local branch when I returned for a new card seemed there were two and I only had one, that was the issue. I went to the local branch as a loyal customer aqnd spoke to a banker who made the call needed. She said they needed to talk to me, told me to be nice and said I wasn't nice on last phone call. I told her, "No, I was not and with reason." She replied that they could cancel my card. I replied, "I've done nothing for that." She replied they can do what they want. I reminded her I was the customer and could change banks. I didn't, out of convenience with the ease of transfers between all of my accounts.

I went to the same branch in Sept. 2010 for papers to be notarized and was told because changes just made that I couldn't notarize. I commented because of the money laundering and took my papers elsewhere. Nothing was of ease for me after the way I was treated as a customer in the branch. The sudden fees added without my knowledge of why they were added, being told would be credited and not having what was emailed to me, done. I changed banks. And then none of my payments were accepted by Wells, said to be wrong account information. I went to local branch, not just email or call. I even spoke with a service manager who could not get what I needed answered. She was a manager at a branch but couldn't see the information I requested. She was very nice to me. I asked her when she called to ask for manager and she was informed that they couldn't see anymore.

I was getting no where and had spent hour in Spokane, drove 300 miles to Federal Way. I never even questioned any of this before because I had received emails that payment was successful. I had never had issues with payments and never missed or been late. Now none of my payments were accepted, charged for 20% interest, returned check, and I had the money in my paying accountt. I went to BECU and spoke to them. They called to tell Wells that I had the money and wanted to help me avoid charges/fees.This was not acceptable by Wells. Every single loan I had with Wells and had set up payments for had either disappeared or had wrong acct for payment. Not a one was paid, and charges are accruing. This just began on 10/8/10 and has not stopped.

I can't get anywhere by going to branch, calling, emailing or even my bank, BECU, who has been sympathetic to me. She even told Wells I wanted to pay, not have fees/charges accrued, and would verify funds were available from my account at the time they were set up for payment. That was not enough for Wells. They did not give me specifics in my emails. They replied thank you, we value our customers. No one ever called me back and the furthest I could get was for a 24-year-old to tell me she was a service manager. When I went to local branch, she couldn't get more than I.

Now, we have a 2003 Chevrolet truck with a balance of about $8,800 and want to down-size to get this loan paid off and get an older truck at a lower loan. Wells Fargo Auto declined to do this. I said we just want to get rid of this large loan and go down to a smaller one so we can keep up with the payments easier. Brenden said they can't do that. I asked why because we want to keep our credit good and be able to keep up with the payments thinking you'd want to help us. Got the same reply. Why and how can they get away with this?

My husband and I are both retired and we're trying to make ends meet but Wells Fargo banks are getting as low dirty as they can go. It's hard and I don't want our credit ruined especially when we are doing the best we can. Is there any help out there for us and others that are in the same situation or worse that could do something? Our letter of being declined will be arriving in the mail soon and I am just boiling and I will speak out against Wells Fargo and will close down our accounts at the first chance I get. First, Wells Fargo Mortgage and now Wells Fargo Auto Finance, the ones we trusted!

The second payment was received by my bank and paid, as were all subsequent payments made before their due dates from the same checking account. The following Wells Fargo statement then deducted the first payment credit from my account and charged both a late fee and a returned check fee ($80). When I called to complain I was told there were numerous reasons for a check being rejected, but they couldn't tell why.

A Wells Fargo supervisor then walked through my online payment info and said it was because there were 10 digits listed by 6 asterisks and 4 digits, therefore I had put in the wrong number. He couldn't tell me what account number they had on record, even though my bank had already processed all previous payments with the information I initially provided. I was asked to re-inter my account number (10 digits). Wells Fargo cannot provide any proof that they even submitted the payment to the bank, nor when, nor what account numbers were rejected. I don't think I should be paying penalty fees when I made a valid and timely payment with information that continues to be valid in making monthly payments.

I told them that I had not received a notice of renewal from my prior HO company and that immediately upon notice from Wells Fargo, I rectified the situation. But it did not matter! Also, even though Wells Fargo states that the $296.93 is for the HO Ins, I have not received a copy of any HO Ins policy from either Wells Fargo or "American Security Group," the name listed on the escrow amount for hazard insurance payment.

I told them it went out through military allotment. I called finance and they said it was the wrong information given to me, and that both checks were coming back to my account. I went and paid 2 months payment to WFAF. I called again to let them know I was given the wrong information for the allotment. This was a different person and gave me a different routing number information. I submitted that and that came out in April 2007. Same thing happened. I talked to Finance, and they told me not to resubmit it because someone at WFAF does not know what they are doing. So I gave up on that.

After that everything was good until 2008. I got my statement and it had over $2,000.00 behind in payments. I called them to find out what was going on, and they told me that Progressive contacted them and notified them that they were no longer my insurance carrier and which I had picked up another insurance company, never a lapse in insurance. This was in June 2007. It was a year later when I got this $2,000.00 statement. I asked them why I was being charged for that and why they did not contact me before they started taking out insurance on the car. Now they want me to pay them back. I told them I was not paying that, I even went to my insurance company and faxed a letter to them stating I never had a lapse in insurance, and I should not be liable for the payment. That’s when it started and to this very day, the phone calls start at 8:00 am until 9:00pm. Finally, I said okay, I'll try to work with them to get this straighten out. I did just as I was told and paid whatever payment they told me to make.

Finally, one guy called and said if I pay $383.00, everything will be straightened out. I did that, and shortly after that, other people from WFAF started calling me, all with different numbers and figures. I told them about the $383.00 paid and they acted as if no one knew what I was talking about. Some months I would make double payments just to get this thing paid off. For the last three or four months, I never heard anything else from them. Now October 2010, the phone calls started again, this time stating I was in arrears of $2,400.00. I asked how is that possible when I have not missed a payment. I have all my banks statements with payments to WFAF. I even took them to my bank, and they looked it over and said themselves that something is not right. The balance they have and the balance from my bank statements are way off. In the meantime, they have on my credit report as me being 90 days late. I have talked to them about sending me my payment history; I have not gotten it yet.

They call your phone constantly and leave their extension number, but when you call, it is always someone different that has different figures and ways to con you out another payment. WFAF is not a good company to finance anyone with. Their employees are dishonest and have no respect. I would just love for all the people that WFAF have messed over get together for one heck of a law suit. That bank needs to have a serious audit. Something is wrong with that company. I believe someone is pocketing or embezzling some money somewhere. I'm sure the CEO probably has no clue as to what is going on within his company, but should be made aware of it. I'm a 25-year veteran/disabled veteran, and I will not lay down on this one, nor will I allow anyone treat and take to me any kind of way. I deserve better than that, but as you can see WFAF is not for the American people.

At this time, we contacted Wells Fargo bank who stated that since the account was already closed, the refund from the seller was declined and went back to their financial institution (www.authorize.net) on 22 September 2010. We contacted Steve, the manager at www.budovideos.com, who verified with their institution that the refund went through and nothing was declined.

Wells Fargo was not willing to provide us with proof of the refund being declined at this point so we could show it to the seller's financial institution. Also, we were told to deal with the seller since everything on the Wells Fargo's side was done. The seller tells us to deal with our bank due to the fact that he is showing that the money was refunded to us, and even provided us with a printout copy showing that the transaction was approved.

At this time, we decided to dispute the original transaction thinking that it would be the only way to get our money back, a total of $661. We spoke with Esmeralda at Wells Fargo in Las Vegas on 30 September 2010, who gave me the number to file a claim. Upon calling the claims department, we were told that we cannot file a claim because the money is out of their hands and was already refunded on 22 September 2010. They would not provide us with any proof that the transaction was returned and once again told us that we cannot file a claim.

Five days later, we received a letter in the mail stating that our claim was being closed, a claim which we were not advised we had as we were told that we cannot file one. After calling Wells Fargo yet again, we were given a reference number which still did not show that the refund went through. We asked for another agent who informed us that the money was refunded on September 30th. I asked to speak with a manager, whose name was Crystal, and she assured me that she would assist with this issue and called the manager Steve at www.budovideos.com.

As of October 6th, the seller nor his bank have not received a refund. I spoke with another service agent named Antonio, who told me that the money was already refunded on September 22nd. Antonio was very rude and refused to provide any information except to call the merchant myself or file a subpoena. I asked Antonio for his manager and he refused, saying that they would agree with him. When I asked for Crystal, who stated that she would help, he told me that she agreed with him as well. I explained to him that the reference number he provided was not found by the other bank.

His response was why was I given this reference number when Wells Fargo knowingly knew that the other institution would not be able to track it. His tone and attitude were condescending and since he had no explanation to give me on where my money is or to prove a refund, attempts to reason with him were ineffective. His final explanation was "it is out of their hands and we must contact the other bank." Again, no evidence was provided by Wells Fargo and they would not assist us further.

If the money was indeed refunded, then why, over two weeks later, has the other bank not received it? Other agents we have spoken with have told us through the phone that they have "no idea" what to tell us at this point. One even laughed saying that our money is floating around in the atmosphere, which I am tending to agree with. The alarming part of this entire nightmare of tracking your money is that no one can provide support to us that indeed a refund was sent and that it was sent successfully. What struck me also is that no one at Wells Fargo was willing to get to the bottom of what happened to our money.

I work in a billing services department and when there is an issue, I always try to resolve the issue for the person on their behalf as they would not be able to do so on their own. And I always have backup to support what I am saying. All attempts to resolve this issue have been futile. Today, we called the claims department again, and spoke with the manager, who asked to put me on hold and then hung up on me. When I called back, the department was already closed. What a great customer service.

Wells Fargo committed prosecutable crime against us. We lost our home. Something is wrong with this picture.

Here are the facts:

Cases of Attorney Generals indictments against attorneys, loan brokers for teaming up make fraudulent loans to defraud homeowners.

2. It is illegal for Wells Fargo to wrongfully foreclose our home based on fraudulent appraisal and mortgage loan. You can find all the facts on our website. **

Today, I received a copy of the application and promissory note, in the cosignor's signature line it reads "Electronic Signature on File." The loan is dated 7/28/2005 and my son was not even in New Jersey. He lives in California. I need to know how to have Wells Fargo remove my name as co-signor for a loan I never signed.

Also, my son has lived in California for several years and has for the last several months, he has been making payments to Wells Fargo Educational Services. He has agreed to a payment plan but the harassing phone calls continue to come in daily from several different phone numbers. How do I have the loan discharged from my name as co-signor? Wells Fargo has tacked on late fees and collection fees. And everything I've been reading online about Wells Fargo not applying any monies paid to the principal, I know this loan will reach $50,000 in less than a year.

I am a retired firefighter. I have worked 30 years in the City of Bayonne. I want to know how they can send me a Loan Contract without my signature on it and make me a co-signor without ever receiving a loan contract from Wachovia. I should have received documentation back in 2005 when this loan was applied for through the internet. The banks should not be able to use this tactic for loan applications.

As a result of not honoring my request, a payment was made to QVC by Wells Fargo in the amount of $330 on March 2rd, 2010, overdrawing our account. There were several representatives from Wells Fargo who contacted my husband and I. When we received their calls, we informed them that we filed for bankruptcy and they need to contact our lawyer. The representatives insisted that they were not going to call our lawyer because this charge was made after we filed bankruptcy. Suggesting we went out and charged product after we filed bankruptcy.

The customer service representatives have failed to realize that this was a flex pay payment that was set up 12/28/2009, prior to us filing bankruptcy. There were three payments scheduled to deduct from my account in equal amounts over three months. Wells Fargo was informed that we filed bankruptcy on February 26th and should not have paid that flex pay payment on March 2nd to QVC.

This is no fault of ours and we should not have been reported to ChexSystems. When a consumer filed for bankruptcy, they are ordered not to pay any debts. And they are ordered not to speak to creditors. The attorney handles the communications. When we filed for bankruptcy on February 26th, we were instructed not to pay Wells Fargo or QVC amongst all of our other creditors. Had Wells Fargo closed our account when requested, there would not have been a payment made to QVC from Wells Fargo.

I see two errors here. Wells Fargo did not close the account when requested by the customer. Wells Fargo paid a debit even after they were informed their customer filed bankruptcy. This is not our error. This is an error that Wells Fargo made and should be held accountable. Because of this error, we have been reported to ChexSystems. The law should have protected us. The Wells Fargo representatives should not have continued to contact us. We should not have been treated the way we're treated. We should not have been reported to ChexSystems because Wells Fargo covered this charge that was a scheduled payment. I have documented the dates and times that Wells Fargo representatives harassed us.

One representative in particular, Brandon, was extremely rude and demanding. Brandon was yelling and screaming each time he called, demanding that we better pay this debt. He stated he would not call out attorney. He had no need to because we went out and made this purchase after we filed bankruptcy, which is not true. This payment arrangement was made 12/28/2009. He would not listen to anything that we had to say.

It was a very disturbing and unprofessional phone call. I would like this issue resolved. I would like our names removed from ChexSystems. We did not overdraw our account by making this charge on March 2, 2010. We knew we were filing bankruptcy and requested that our account be closed. Wells Fargo debited the amount of $330, which overdrew the account. Wells Fargo was informed that we were filing bankruptcy and covered this scheduled payment anyways. The charge should have been denied with the information that Wells Fargo had.

When the supervisor got on the phone, she was not rude and explained the dates they had tried to contact me and proceeded to name approximately 10 dates or so. I asked what number she tried to call as it was not the number they just contacted me, which was my contact number. She read a number to me that was not my phone number and never was. She said there was nothing she could do about it at that point, but agreed to document that they had an incorrect contact number. She also apologized for the behavior of her employee and agreed to speak to her.

They lie and will not tell me the truth. I have tried to negotiate with them and nothing. They have not sent me any correspondence to my account being charged off. When I ask about my account information, I am patronized and insulted by their departments. They scream and yell at me on the phone when I am just trying to get information on my account. They interrupt me rudely and scream on the other end of the phone making it seem as if I am the one that creating the problem when I am not. I have witnesses who will testify to this. The co-signer tried to pay the debt down and Mr. ** and Mr. ** refused receiving payment. Threatening the co-signer with all sorts of action of the car, they demanded all the monies up front for my vehicle or else.

This is improper behavior for an institution and certainly unprofessional. I tried to reason with them and they refuse to send statements to me, I asked for a copy of my file since they said I may request a copy, which I did. They also told me that they have a "history of me being short" and that I may receive a copy of those notes from Mr. ** for my files. I am not short with them. It is them that are short with me and continue to harass me. They refuse to send any type of correspondence regarding my account including a copy of my files for this past 2 years. So I don't know how much is left on my account so that I may try to find a way to resolve this matter.

They somehow got a hold of family members, calling them regarding my account and asking them questions about me. Please assist me with this matter. I am trying to resolve this matter but they keep yelling, screaming and threatening me. This is a lot of stress. Please tell me what are my rights as a consumer.

Wells Fargo can't be getting away with this in hurting people and holding captive their titles. Especially since I am actually trying to work something out with them. Can they hold my title captive?

They are not correct with my information and yet they refuse to assist me. I don't even receive statements from them regarding my account. I've been calling them so to settle the debt and nothing. They tell me that my account was charged off and will hold my title hostage. Then I spoke with 2 other people and they both tell me that my account is not charged off.

They lie and will not tell me the truth. I have tried to negotiate with them and nothing. They have not sent me any correspondence to my account being charged off. When I ask about my account information, I am patronized and insulted by their departments. They scream and yell at me on the phone when I am just trying to get information on my account. They interrupt me rudely and scream on the other end of the phone making it seem as if I am the one that creating the problem when I am not. I have witnesses who will testify to this. The co-signer, he tried to pay the debt down and Mr. Andrew and Mr. White refused receiving payment. Threatening the co-signer with all sorts of action of the car; they demanded all the monies up front for my vehicle or else.

This is improper behavior for an institution and certainly unprofessional. I tried to reason with them and they refuse to send statements to me, I asked for a copy of my file since they said I may request a copy, which I did. They also told me that they have a "history of me being short" and that I may receive a copy of those notes from Mr. White for me files.

I am not short with them it is them that are short with me and continue to harass me. They refuse to send any type of correspondence regarding my account including a copy of my files for this past 2 years, since I have not received correspondence from them these past 2 years. So I don't know how much is left on my account so that I may try to find a way to resolve this matter.

They somehow got a hold of family members, calling them regarding my account and asking them questions about me. Please, please assist me with this matter. I am trying to resolve this matter but they keep yelling, screaming and threatening me. This is a lot of stress. Please tell me what are my rights as a consumer. Wells Fargo can't be getting away with this in hurting people and holding captive their titles. Especially since, I am actually trying to work something out with them. Can they hold my title captive?

So once again, I called and spoke with someone who is supposedly creating a case to fix it but did something wrong, which I didn't know. I called a few weeks later to find out what’s going on. I spent over an hour getting transferred from person to person who are supposed to fix it, but once again don't and don't tell me. I called again and got another ** who doesn't do anything. It’s been over a month and now they have drained all my accounts because of it. I'm left without anything because I tried to trust a bank.

Finally, after an hour of conflict, I demanded his manager's name and phone number. Just as I was calling his manager directly right in front of him, he threatened to call the police on me. I reported the entire story to his regional manager who so quickly understood what needed to be done. She released the funds and wired the money to the escrow company for closing. The problem with this story is that the branch manager, Neil, could have done the same thing when we walked in the door. According to him, he had the authority to do it. He just refused to solve the problem on any level or escalate to his management when we could not reach a resolution.

Fortunately, his manager cared about doing the right thing and resolved the problem. What should have been a 5-minute transaction took over 2 hours, causing us to miss our closing by an hour and a half. Our closing agent was gracious enough to stay after hours and wait for us. All this was entirely unnecessary and should never have happened. I hope that you will learn from this experience and avoid doing business with the Gig Harbor branch of Wells Fargo.

#2. Several months ago Wells Fargo charged me a fee for depositing $1500 cash. I was told that this was to cover the time to count the money. There were 23 bills, no coins and the machine counted it in less than a second, which based on the fee is about $900,000.00 per hour for Wells Fargo.

#3. Wells Fargo did not credit me for a deposit I made and had a bank receipt for. I was told I would have to pay a $45 fee for them to research the error that they made! It was nearly 3 months before the money was put in my account. I then had to fight to get the fee waived. I am moving my checking account to another bank.

#4. I chose Wells Fargo for a reverse mortgage despite these problems because of the new federal consumer protection laws and, out of 9 banks, Wells Fargo's "good faith estimate" for bank fee charges was the lowest. After applying for the mortgage, the fees jumped 400%. Fees are added onto the mortgage and interest is charged everyday. When I told them I would not use them for the mortgage, they found their "error": one large fee had been added in twice, others were incorrect. The day before closing, they again added charges for fees I had paid out of pocket.

Throughout the process the Wells Fargo associate complained about the new consumer protection laws, was evasive about giving me information I asked for because she "didn't want to bother me with details because I was so busy" or that there were some answers I "did not need"! On the day of closing, I waited 2 and 1/2 hours because they spent the time following their GPS in the wrong city (11 miles away) rather than going to the right city after I gave them the correct directions 4 times on the phone.

I finally had to drive to where they were and have them follow me! Now sufficiently stressed, we finished the closing and was told for the first time that funds (the equity in my home that they now own) would not be available to me for 45 days even though I had previously been told I would receive a check for a requested draw at closing. Interest is paid on the fees and the draw I did not get for the entire 45 days. I went through with this mortgage despite my misgivings simply because my persistence forced them to correct their errors and honor their promises and I believe that I have FHA protection hereon.

Conclusion: Wells Fargo was the very first in line for federal bail-out money in 2008. They have since repaid the money, but the public paid to save them and they are arrogantly resisting making funds in the form of loans available to consumers, both private individuals and businesses. And apparently, they are making every effort possible, large and small, to gouge the customer who is not observant or tenacious.

I contacted the trust department in Nevada (that is where they moved my funds). The representative hung up on me. I called back to try to reach the Trust Officer. I finally reached this woman. I told her my CPA said I had a $200,000 tax liability due to reports from Wells Fargo advisors and asked her if I could speak with their legal department. She refused to give me the number. I finally reached a Kynesha ***, in the legal department, who told me there was no record of a Durable POA or sub trust.

I have two online personas which have been verified as being under my identity. I have traced the funds from a URL that was on a proof sheet for identity theft. I have asked this institution to return my inheritance. They refuse.

I have two liens on my credit report for income tax (income I did not receive). One of the liens is from the California State Franchise Tax Board. They threaten to take any property I own in Sacramento (I do not own any property in Sacramento).

I received the funds in 2006, but everyone who has had a chance to deplete the funds by unlawful means has done just that. I transferred the funds out of Wells Fargo when I noticed a sharp decline in value, I now had $437,000. My trustee cut off my funds during the transfer, leaving me without any money whatsoever. Then this bank charged me a $1,000 fee for the transfer. I have noticed manipulation of my statements for extra fees, erroneous fees, strange transfer in the name of Brown without any reference number, but under my checking account number.

I traced a URL for my identity to Pahrump, Nevada, Air Internet. I found that the owner of the email address that was on my proof sheet was a Paul ****with a wife by the name of Patricia ***. I was looking up my credit for business. I found my family's business, the name Air Internet was on the credit report. I called the Wells 800 number to ask if there were any accounts under my SS#, they said there were not any accounts listed under my number. My new investment company listed my net worth at $1,000,000?

Sure enough at 2:38 that same day, a man called from Wells Fargo, again telling that it was a "collection call". He also wanted to know if we intend to continue occupying the property! I told him that a lady had already called from Wells Fargo and spoke to me about that issue. I told him they had no right to continue to call me since Wells Fargo had already called me and spoken to me that day. He told me that they did have the right and could call up to 6 times a day until the payment posts. He also could see on his screen that the payment had been made that day online.

I called Wells Fargo to complain about the harassment. The lady I spoke to told me to "move on" that the automated system makes the calls and to disregard any further calls. I argued the point to her that there should not be any other calls that day. She told me again that we may get more calls. I argued the point with her that it is an illegal collection practices to call repeatedly after reaching the "debtor." At 5:20 that same day, another man from Wells Fargo called with the same "collection call" statement! I demanded to speak to a supervisor. When she finally picked up her line, I told her about the three calls I had received that day. That I was very upset about the harassment and intended to file a complaint with the Office of the Comptroller of Currency. That did not seem to bother her a bit.

I then mentioned that I also intended to blog about it to every site I could find. That struck a nerve! She threatened me that they could come after me for defamation! I recorded that call. I hereby challenge Wells Fargo to come and get me! How dare any ** like that violate my right not to be harassed, then threaten me if I tell people about it. They know those government agencies are lap dogs for industry and pose no threat to them no matter how abusive they are. Well, the key pad is the new sword and I intend to use it!

The following spring, I took out of my personal savings account approximately $5,500 and purchased a new carport/garage. In 2010, we had a heavy snow, and the carport collapsed. In mid-July, a check was issued to me and Wells Fargo by The WV insurance Co. (my home owners insurance) for $,6000. I contacted Wells Fargo Property Loss Dept.. They told me to send the check to them, they would sign the check and send the check back to me. I did that. The check was sent back unsigned by Wells Fargo, stating they wanted me to sign the check first. I signed the check and sent it back to them.

A few days later, I received a letter from Wells Fargo stating that I needed a itemized adjuster's work sheet, a signed contractors form for completing the work, a conditional waiver of lien form(s), and federal tax identification by the contractor. I called Wells Fargo again and asked what these forms were(I thought this would be as easy as signing the check then Wells Fargo signing it and sending it back to me). During our first conversation the staff made it sound that easy.

I come to find out I was told that they made a mistake on my claim and thought it was for $18,000. They assured me the check would be in the mail by this Friday. This was the first week of August. I called back the following week. They still have not sent the check. Wells Fargo is now requesting just the Adjusters work sheet. They lost the work sheet two times. One day I called and the staff told me the check will be issued in 48 hours. The next day I called back and they are still requiring all the forms. This has been going on since approximately mid-July of 2010.

I did advise them that I was building the carport myself. It is now September 8, 2010. Wells Fargo still has not released the check to me. I have been told four different times that the check will be released within 48 hours. I have yet to see the check. The best part about this whole rigamarole is that this carport was purchased by me with my own personal funds after the purchase of the house and property; it was never part of the appraisal or property that was originally purchased.

Wells Fargo is holding money that belongs to me and will not release it. What do I have to do to get my money? It seems I have cleared every hurdle that they require only to get beaten back down by the individuals that have the first lien on my property. I need help. I cannot replace the damaged structure without money. Contractors that I have talked to want to be paid at the completion of their work. They do not want to deal with insurance or mortgage companies because of the hassle. I want to build the carport myself. In the mean time, I'm in the process of refinancing my home at a cheaper interest rate with Wells Fargo but refuse to do so if they are not competent enough to simply sign a check and return it to me as they portrayed this would be a easy task.

The number I have provided for you is the number that was last called to me today. They may be be a collection agency but they are working for Wells Fargo. Please help provide me with the information I need to stop these continuous phone calls. The person that called today was very rude to me and reduced me to tears before hanging up on me. Thank you for your attention in this matter.

This is not true. My mother had great credit until she became ill and has always done her best to make all her payments to everyone on time. She has skipped getting her medications because she felt so intimidated by these people and was worried what they would do if she didn't pay them. They are rude on the phone and upset my mother very much. She has a bad heart and does not need the extra stress these people have caused her repeatedly. Please check into their collection policies and the amounts they are charging for late fees. I really appreciate it.

The branch advised me to call their corporate office and ask whose income did they use to give me a loan and that my husband did not sign the note and that they overlended because our home has never been appraised for the amount they gave me and would never be appraised for that much in a good housing market. The man that I spoke with at the corporate office said that it seemed there was fraud involved in the application to obtain the loan and that he couldn't help me. It is likely that our mortgage could go up as much as $200 a month if we are unable to refinance due to the paperwork being altered and could face foreclosure.

When they finally called, I made a different arrangement with them where I would make a total of 3 payments within a 4 week span. I made the first payment and was due to make another payment this Friday! Today I got called and was told that I didn't make any payment. They said that they were going to seize all my assets, make sure we aren't able to get an account anywhere for 5 years. They said that they would freeze my other bank accounts and intentionally ruin my credit because they have the authority to do so! When I told the guy, who didn't give me his name because two people picked up my call at once, he told me they are within their "collection laws in California" and they aren't harassing. And he said that I broke the agreement 3 times. If we broke the agreement 3 times, I am wondering, who they spoke with the third time?! They only speak with me and refuse to speak with my joint account holder.

They said that they were sending us to a collection agency! I had a problem with them prior when I had a savings account. They kept assessing the fees for my account when it was at its sustainable $300 balance within 2 months of opening the account! I am glad that someone sued them over putting the highest transaction first! I wish they can pay me back for all my fees that I paid!

Anyways, trying to close an account has been met with huge hurdles, different people telling me different ways to go about it and furthermore saying it may take up to 90 days to close an account. Again, we owe nothing and even if we wanted to borrow, the credit available is zero. So what is the big deal in closing the account? The branch officer told me it would take 48 hours and now we are well past that. She will not return my emails or phone calls. Calling the home equity department, they say to have the mortgage company request a demand to show that we owe nothing and that officially closing an account takes anywhere from 60-90 days. The mortgage lender does not want the amount owed, but a closed account. I think we are going to lose our loan deal because of the delay of Wells Fargo. Unable to obtain refinancing at 3.8%. Stuck with our current 5.5% because of Wells Fargo

Now the weekend is here again. I haven't been able to pay any rent, this is the third month and I have received an eviction notice. My lights and gas are all ready off. I have two children sitting in the dark and school is starting Monday! I feel like I've been through another hurricane! Can someone please find someone that I can call because this is just way past the point of ridiculous. This situation has effected my family in a major way and no one should suffer like this. It's crap! How do you hold someones income tax check or any money for that matter? I will give you the branch information when I get a return call. Thanks.

It was all bank fees over drafts and reversal charges I have not worked since 8-11-08. I am disabled and can't afford this outrageous charges for no reason. They always put the largest credit through when in reality it should take a few days also the checks they put them through the same day giving me no chance so I could not make a deposit in this account because I had to use my money to pay the bills that were delinquent now plus $25.00 to all my utilities, time Warner gas co, student loan, Anaheim utilities. They don't give anybody a chance why could they not informed me of the legal order fee ahead of time so I could be prepared.

The same thing happened to my daughter and also my brother. All with wells, this is not fair and I want to fight back now, for 3 weeks I have been receiving rude phone calls from them and they call 6 times a day. They start at 8:00 am and continue all the way to 8:00 pm everyday. This is harassment. What do they want from me? Please help me. I have all my proof of there transactions and statements online.

I understand late fees but when an arrangement for payment had been made and they didn't even give me the chance to abide by it is a bit unfair and for them to say now after all this they don't have record of our conversation is unreal. They called me up to 6 times daily every single day and harassed my mom or my co-signer and even me. They were told many times that my business was slow with economy problems but I was still making payments within 45 to 55 days. I know that's not good but I was doing my best.

My car was my livelihood. I sell jewelry at markets and I'm a single mom. I live with my mom to help her and she helps me but we can't get to doctor appointments, blood test, food stores, get prescriptions and my sons school needs. I'm pretty much jobless and soon homeless if I can't get some help. They knew I was having problems. I thought $900.00 would help but now they want $2,441.46 and I don't know how to get it when I can't even get anywhere to work. Please help.

I will never use Wells Fargo for anything in the future and I will be making sure that every person I ever come into contact with knows their poor service and failure to even stand behind their own word!

I assume this causes them to do lots of paperwork only to find the account is current. They are bottom feeders who are drunk with power. I had the same problem with Chrysler Financial. I'm a server and with the economy my money isn't what it used to be. I always pay my bills but lately they are just a little late. After doing this to the Chrysler people for a good nine months. The thuggery stopped.

Now when they call me they sound like reasonable, rational, polite people. If I tell them I will make the payment in one week, instead of demanding a pre-authorized payment that very second, they politely make a note in the system and leave me alone for the week. One time this is what I said to a rude woman from Chrysler "Is this being recorded? Yes? Well, can you also type a note into the system for me? Ready? Here you go, I am disgusted with the people that Chrysler chooses to represent them when attempting to collect a debt so know this, I will never, ever, not ever pay this bill on time. I will also never ever not ever pay your late fee because of it. So keep my number on speed dial and get ready for me."

You see, things are just as bad in North Dakota. Do not let a 4.1 unemployment rate fool you into thinking that there are jobs. There are not. So that removal hurt me in terms of paying bills and having money for food and medicine and the essentials. I am keeping a roof over my head and trying to keep up on insurance, medicine, utilities and co pays. The hospital bill for dialysis as well. I have explained my situation to the bank numerous times and they just turn a deaf ear. Worked with them to get the credit cards down to $100 a month and thought my ready reserve was the line of credit and this was taken out of my checking account.

The agency that my line of credit went to was CCR IN Illinois, affiliated with the bank. I was told to call them for any questions. When I talked to this toll free number and so I did, I talked to a Scott who called me a liar and a deadbeat and told that, "We got our money. That is what we wanted." I told this man that I was not a deadbeat, that I was unemployed looking for a job and that I was disabled and on dialysis and I could not do the lifting required of the nurses today as well as being on my feet constantly, but could manage other healthcare jobs that is when he called me a liar and yes they have heard all stories.

I called Wells Fargo in Iowa and begged that to put that money back in my acoount. Josh said that he had the power to not do anything and that is could not be reversed. I told him that this money means the difference between being homeless to me and a job. I recently did not get a job because of the credit check and asked what I could do to appeal. There is nothing I can do. These younger people are ruthless, unkind and treat you like you are not human. They do not take into account the human factor and the unemployment rate what so ever.

The last call that I got from Wells Fargo was a banker asking me to deposit a certain amount in my checking account by Friday. I asked her if she would like me to rob a bank or write her a bum check. I said, "So you think that I have got money? I do not and you have my statement in front of you and you see how it has been bad since your bank robbed me of the money used for me to live on until I find employment. Your bank has caused this and you need to reverse this and all the fees." I also told her that obviously I do not have money that is why the overdrafts, duh, and the letters and calls were not going to help. What will help is a job and although I am interviewing, my credit report will prevent it now.

This is Wells Fargo. They do not care about working with you. They like to call to the point of harassment and send letters. They have all these 20 plus sociopaths working for them that bully, cajole and if you are my age, treat you like you are ready for the grave. I have been with this bank for 30 plus years and have never seen this side but the lack of quality in their younger workers is appalling and to think that these are tomorrow's leaders. They are the type that do not listen, want things their way and do not care about the customer. All they care about is making money for the bank and getting promoted as a result there is no human factor whatsoever and do not believe their ads. They are fraudulent and are just deceptive advertizing. Kim from San Francisco never got back to me and the CEO does not take personal phone calls. Please help me.

The only thing that I can see is to go off dialysis and prepare to die. Do not know how much I can take it. It has put me in such a position that I do not see a way out. That $3700 was like gold to me. Finally, I got to see my physician in primary care after two years. I could not afford co pays and had to let medicare go. I could not afford it and do not qualify for medicaid. People like me cannot afford the quality health care even with insurance and that $3700, at least put food on the table, gas on the car and kept the oil changes current. It kept the cats fed as well. It is not that much money and all the fees that they have charged me, at least $1200 or equivalent to my only check. The bank knows the situation and they coldly took the money. Please help me. Just do not know where to turn. Thank you.

Each one tells me something different & I can't seem to get this resolved. I never had any problems until Wachovia & Wells Fargo merged. I have spent a good 20 or so hrs trying to resolve this I never had any problems until Wachovia & Wells Fargo merged. I have spent a good 20 or so hrs trying to resolve this & am at my wits end. The banks should have a better way of handling this. Tormenting the customers is not the best way to do this.

I stopped answering the phone the phone and they switched to not provided so I wouldn't know who was calling. I have tried to explain the problem I was having but they just cut me off and won't let me talk and are just really rude and threatening to repossess my car.

Today (07/30/2010) I talked to a person named Michelle and I told her if I could pay this thing off I would just to get rid of you people and she said in a real nasty tone “we wish you could to get rid of you". The words may not be exactly right but they probably have it recorded. These people need to be moved to jobs where they do not talk to customers or fired for not having the people skills to deal with people in the right way.

Now I have read the complaints you have online and they are all like mine and I or maybe we think that it's time that you do something about these threatening rude and not at all friendly people. I have never been treated like a thief in my life and that's what these people make me feel like. I don't like being behind myself but I am not going let them treat me like that either. I am a very responsible hardworking individual working two jobs most of my life. And just because I fell on some very hard financial and trying times this past year, I do not deserve this kind of treatment from this company!

I am real estate agent and frequently do BPO's and Comparative Market Analysis for clients. Conservatively my property is worth a minimum of 700K, (my neighbor sold their inferior 5 acres for 1.4m a few years ago). Wells Fargo valued it at 310K. Their method for contesting the valuation is to give them properties which have sold in the past 6 months within a 1 mile radius. There are no such properties and I gave them 14 pages of comps based on various criteria (greater radius, decrease of acreage, minus lake, pool, stables, dock or other features) which documented how ridiculous their valuation was.

After more than a month I heard nothing from them. The reduction of my existing limit was bad enough, but since they did that, it reduced my credit score, which caused a further chain reaction of other lenders reducing my available credit, thus further reducing my credit score. I have never missed a payment on any card or mortgage ever! The incompetence of Wells Fargo in doing the valuation is one thing, but their lack of adequate explanation or response is even worse. Reduction in credit score which results in the loss of available credit. I cannot take advantage of lower credit rates, get additional loans for property purchases and improvement.

Then Wells Fargo took over and they are stating that I owe another $422.72 plus late charges. I made a new account number and they are sending me a bill every month. My daughter has sent them the paperwork a numerous times and they still will not listen. I am in ill health and on a fixed income and cannot afford this bill. It isn't right that if another bank takes over, they can add extra charges. Please help if you can, I just don't know what else to do. I can't afford an attorney.

I have received 3 statements in the last 6 months. I have made all my payments anyway. This last month,I have been busy and simply forgot but did not receive a paper statement to remind me. They called me to notify me I was delinquent and refused to waive the late fee. Even though I repeatedly told them that I never received a statement and if she checked my record I have been timely with all my purchases.

Talk about shady business practices. They never credited me my fees and gave me an attitude to boot. If I ever treated my customers this way, I wouldn't have any. I would and will pay AMEX interest charges before I ever use this bank for anything ever again.

What I got to say about it, "let me know when there coming so when they pick it up it's gonna have a tree for a hood ornament." I'm ****** at these people. This car dealership I dealt with knew what they were doing and didn't tell me. 17.9% is outrageous and if they come to get it, they may have a hard time trying to find it. That just how mad I am. I was swindled by the car dealership, put down a lot of money for a down payment and then told it fell through and I need to sign another contract at 17.9%. I'm now taking depression pills and anxiety. I don't know what to do but go buy a bicycle.

I called back today and the lady said that there were 4 seats open for Wednesday and I asked again if I may move up. Her reply was the booking code wasn't the same. So I asked her, “You guys would rather send a flight out with 4 seats with no one in them than let a customer who already paid fill in just one of the 4 so 3 will still be there?” She had nothing to say and finally after I asked her 100 times if she got it, she told me there will be a fare difference. I asked what it would be and she said she will have to call me back!

So much for that! I don’t get how hard it could be and when I requested to talk to her manager, she just stayed silent and said we’re pushing for you, but the only pushing she has done is pushed my business away from Asiana and I hope this pushes anyone else thinking about flying Asiana! I say don't unless you want to deal with incompetents!

I telephoned Wells Fargo and requested their phone calls be reduced to once a week and that they have no right to be telephoning our children about our credit card situation. I believe that it is illegal but not sure. Each time Wells Fargo calls my home, I explain to them our medical situation and request a hardship for which they always deny me. Some of the Wells Fargo representatives and supervisors have been mean and nasty, whereby, they have upset me to the point that they aggravate my Crohn's Disease and I experience intense abdominal pain.

What I have learned is this, if you get cancer or any disease and you request a little help from Wells Fargo, what you will get in return from Wells Fargo is kicked in the teeth. Of all our current debt, every company has been graciously working with us during this difficult time. Wells Fargo is the only company that will not lower our payments temporarily to an affordable rate. All Wells Fargo cares about is money. I seem to recall when American Citizens bailed out the banks including Wells Fargo. Next time Wells Fargo requests a bailout I think we should extend to them the same heartless treatment they give to their customers.

My question is why is this legal? This is usury and extortion. What is the difference now between banks that are supposed to be reasonable and a payday loan company? Also, I deposited $500.00 on 7/14/10 after hours in an ATM. Wachovia explained to me that the money would always be entered the next day faster if I deposited via the ATM. My money was in the bank prior to the date of the overdrafts and yet I was still charged. I called and they refunded $30.00 of the $105.00.

This is evil and corrupt! Please help everyday citizens by making these institutions refund NSF charges, and also put a cap on them so a $2.00 pack of gum does not cost us $37.00. Please help us and this economy. This year it has taken up to 3 business days to get a deposit to show up on their system. I have paid at least $400.00 in overdraft fees this year when my money was in their bank!

In June is when my unemployment stopped and I asked again for a deferred payment plan. I still receive calls no matter if I set up a plan or not. Then I called in about two weeks ago and asked an operator to send me to a supervisor on duty because no one seems to be around when you need one to talk with about this finance situation. I was transferred to Crystal, a fake supervisor. I talked to her and she told me to contact her if any issues come around. I found out that she is not a supervisor at all and no one near a supervisor. Every time they call me, I pick up my phone and I have been very honest about my money situation and they still do not want to help me.

In the last four years, I have never been 30 days late. I am late for June payments over 30 days and late for July payment for about two weeks. I have a payment set up on July 19th, this Monday. Now, they are calling me stating that I need to do the right thing and pay $975 for June and July payment on July 19th. I stated to the so-called supervisor that if I can do that then we would not be going through all of this. He then stated that I am late and he has no choice but to call my co-signer and bug him until he pays my balance.

I asked him to leave the two payment set up the way they are for $373 on the 19th and $602 for the 2nd of August. I had $373 coming out on the second but I will try to find a way as I did this time. He said no; it's not good enough. I told him that my August payment is not due until the ninth of August, so that will catch me up for June and July. He said no and that he would call my co-signer; I said that is fine. If they were able to help, then I will not be in this trouble.

I can't stand Wells Fargo. I have been looking for other banks to take over my loan but I work part-time because I have been a full-time student on 2008. I am trying to get my degree and take care of my daughter at the same time and I am very stressed. I thought honesty was the key to anything and it's not. I should do what everyone else in America is doing, not answering their calls. I can barely sleep and I am always trying to find something to sell just to make a payment or save to make a payment. It is bad enough and my money situation is still the same. So everything all at once is just going down from here.

To this day, a month later, the money is still not in our account. In the mean time, the bank piled on overdraft fees and would not remove them. The Wells Fargo legal counsel said that they would return our money to us if we remove the fraud claim against them. Yes, we also retained counsel and filed a fraud claim against them because this is the second incident that we have with Wells Fargo & Co. The first was in September 2008 for a very large amount of money where someone internal stole our money and rerouted to someone he was working with at Tamalpais Bank in Marin, CA.

More recently, my July fees was Fed-Exed to me in form of a real cashier's check. The money was deposited four days ago and we still do not see it in my business account. It doesn't even register as pending. Last night, a colleague extended a personal loan to me and wired money to our checking account. It has not registered yet. We are really stupid to still be dealing with Wells but at this juncture, we have our business account there as well as savings and checking. We have to clear some payments and we will exit Wells Fargo as fast as possible.

We feel as if we are hostages of Wells Fargo. At the very least, they should return our lost money from June and remove all overdraft fees and clean up our credits that they have destroyed b/c we are late in paying the bills. Wells Fargo & Co. is a consumer bank yet they steal from consumers. Since June 8, we are in Virginia with our three young children visiting grandparents. Because of this financial mess, we are stuck here. The boys have not done camps or enrichment that they normally enjoy. We have not taken trips that we normally do during the summer months. We have not paid two mortgage payments, credit card bills, and utility bills. We had to put on hold a trip abroad and subsequently a temporary move there.

My loans were originally Lehman Bros loans serviced by AES. When Lehman screwed us, the American tax payer over, and collapsed the loans were sold to Wells Fargo (without any approval from me). I am now in a full time graduate fellowship without pay, 40 hours a week. According to my fellowship administrators, my loans are to be deferred according to Wells Fargo and AES. They don't offer deferments. I do not understand how this is possible. I do not have an income and my fellowship is an educational position. I have no way out, as the astronomical payments have eaten through almost 10k in savings and run me absolutely dry.

The only option I was given by AES was to pay two months upfront to get two months of forbearance. So how is that even a forbearance? I'm done fighting this, my only option now is to let them default and face the consequences. It's very sad to know that I had to go to college to get a degree (microbiology none the less) to obtain a job, and I can't even afford the degree I obtained. America is a sad, sad place these days with bankers obviously running the country.

Today, I asked them for one more day since I was not feeling well. They were unpleasant to say the least. The company that came to the house to pick up the truck, threatened me, and I was forced to move all my belongings while in pain in the middle of the night. I made an appointment with my doctor to make sure my inside stitches did not come undone and checked to make sure I nothing was damaged. I was asking for one more day due to my medical situation but they were, to say the least, extremely rude and uncaring for anything but their own situation.

After the doctor's visit and the results of the visit, I will be deciding if I will file in court. I hope I have your full cooperation when it comes to protecting my rights as a US Citizen and voting tax payer. I am not the only one the Wachovia/Wells Fargo Dealership has economically ruined and left with out money or a car, I can guarantee you that.

I have all documentation of all of the failed attempts to find a way to keep my car and all the time they just wanted to get as much money as possible from me and keep adding to the loan amount. Today, at 6:15 PM 7/12/10, I was talking to Michelle and in our conversation, she assured me that the amount to get my car back was $20,520.70. Then I asked her if she was recording our conversation and she said no. But I can guarantee you that by tomorrow the cost will go up as that is how they work, lies, upon lies, upon lies.

Now, they are sending me my statements which state that my rate is a variable which could go high as 27.24%. This is unfair. Something must be done about this. I cannot pay this high interest rate. Would you? What this has caused me is more hardship since they lowered my credit limit, with the balance that I have has lowered my credit score.