Wells Fargo Mortgage Reviews

i had to self renovate causeing serious injury to laumbar had to close office for one year to make renovations loss of income and loss of clients. medical bills and mental and physical deress to date still have not resolved issues .

i had to self renovate causeing serious injury to laumbar had to close office for one year to make renovations loss of income and loss of clients. medical bills and mental and physical deress to date still have not resolved issues .

So we waited and called back in the early January. The representative of Wells Fargo ( Brad Johnson ) was very kind and said that he will refinace our property ( plus the manufactureded home) for fixed rate of 5.4% . Me and my wife decided to go head and singn the paperwork, but a month after we did signed the paper, we had received another letter form Wells Fargo which stated that due to the fact that they discover that we live in manufactored home the rate should have been a lot highter so the new paperwork had shown 6.0% fixed rate. I was also very upset to hear from Brad Jonson that such a paperwork was unknown to him ( the paperwork that I'm submitting to you explicitly states that the paperwork was made by Brad Jonson).

When I called Wells Fargo, the refinacing team manager stated that they just find out that we had manufactored home which was a false statement of its own ( like I had stated , when I talked with the refinacing representative in November, she was perfectly aware that we had a manufactored home without even asking). The refinancing process has been taken from January 31 ( proof submited , until now June 17, 2008).

We personally think that the company is not only cheating us but is actually disciminating against low class americans such as us. This whole process had added tremendous stress to me as a caring father and my whole family. We feel like we are not being threated fair and due to the fact that many issues should have been resolved by the company. For instance, the last e-mail ( proof submitted) stated that the title company had never surender the title to us. Why did Wells Fargo sold the property to us if we are not the owners?They should have resolve the problem at first place.

It is not my responsibility to chase the previous owners and try to get the title of my own home from them. I'm not even aware their location either, but such a situation should have been resolved by the company ( Wells Fargo).When I talk to Krystal ( refinacing team) she said that we have to be patient, but now she is trying to raise the interest rate of our mortgage?They also sent us and e-mail stating that we don't actually own the place and we have been paying for something that we don't own for over 8 years! Please help us! We are devestated!

This process had added thremendous stress to my family and my financial situation. We feel like we are stuck in nowere and nobody wants to help us. We are morally stripped from our humane dignity. We think we are being discriminated as a low-class americans and being single out. Thanks you very much for your understanding.

Ever since Wells Fargo took over our loan, we have been receiving conflicting information. We pay the amount on the statement, and they say it is a higher amount due. The rep said their computer system doesn't always print out the right amounts due, so it's up to me to check each month before making a payment. This is one of their aggressive and deceptive practices of making you late on payments you didn't know were due.

How can you mail me a statement on the 24th for a payment that was due 23 days prior. Please help us with this. I didn't know that you could retrodate a payment and then force me to pay late fees when that wasn't due at the time the payment was due. I am now being told that my payment for the month is late and late fees will be applied

I have made at least 5 phone calls to get our money back. Wells Fargo said that the check was not cashed so htey supposedly put a stop payment on it. As of today, we still dont know where the money is. To add to all this confusion, Wells fargo also paid my county taxes which were $265.06, we also paid them in closing on our new mortgage.

Now we are waitng for the 265.06 to come back. I contacted the tax office and they said that they sent the payment back. Can you please help us? I am out $967.06. I also filed a complaint against the lawyer's office that handled the closing.

Son worked for tool & die company which ended up closing (economy). Now has a job earning 1/2 what he was making. The mortgage insurance $61.00 a month is not helping him. Hes lucky if he has $30.00 a week left over, to buy gas and food....

It has caused a lot of stress each time the monthly statement comes seeing the principal never budging while the 1st mortgage does. We are extremely stressed over being deceived into thinking that this loan would have best suit our needs when indeed we really didn't need it to begin with. It will certainly also prove to be a financial burden in years to come.

In October 2007, we were told that we needed to pay $2,500.0 for a debit to avoid a filing of a motion to dismiss our case. Part of this money was our trustee payment. And being scared, we sent the money to that debit so we would not lose our home. On December 12, 2007 our bankruptcy Chapter 13 was dismissed, as we were 1 1/2 months behind on the trustee payment. Our lawyer said this would be okay, as we needed to take the property taxes out of the plan anyways, since Wells Fargo should be paying, and should have paid the taxes prior to. So on January 9, 2008, we went to our lawyers office to arrange for the re-filing of our new Bankruptcy Chapter 13. The filing date was to be February 1, 2008. On February 1, 2008, I called our lawyer, and they had not filed yet, saying that they had checked the court records, etc.. and no lawsuit, and no cases were filed as of yet, so we had time to file before we lost anything. This would give them time to better prepare our case, and plan, and do any corrections necessary.

On February 14, 2008, we found a hand written note on our door that we needed to vacate our home. We had 3 days to vacate. This included a name of Ben with Bargello Properties, and a phone number. When I called Ben he told me that he had purchased our home for $63,000.00 at a public auction on February 5, 2008 from a Jack Palmer, Trustee, who I have never heard of before. We received no notification of the sale, no notification of anything from Wells Fargo, nor from Brice, Vander, and Linden, their attorneys. When I contacted the lawyers for Wells Fargo, I was told that our house went into foreclosure on December 25, 2007, Christmas Day, and that a notice was served at our address on January 14, 2008.

In what I have read on the internet, there are laws to protect a homeowner, and an attorney must follow these laws and give proper notification prior to the sale of your home. They should have filed something in the courts to pursue the foreclosure, and sent notice to each individual on the loan, on two occasions. As far as I know they did none of this. Our second home equity mortgage was suppose to be notified, and they did not receive notice either. Our attorneys did not receive notice. We have paid on this home for 20 years. It is nothing fancy, however, we love our home. They stole our home from us. Also, they did not collect enough money to pay the first loan, second equity loan, nor any judgements that were on the house. I simply do not know what to do. I can not believe that this is possible. I wish to get my home back. Perhaps even file a civil suit. Can you help me? Or tell me who I should contact. How can they break the laws and get by with this? Please, please, help us if you can. I would appreciate any advise, or direct that you can give to us. We love our home. The trustee paid Wells Fargo a lot of money in 2007, and they still sold our house.

Our house was sold on the court house steps, without our knowledge, without any notice.

I don't want lending institutions pulling credit report because an inquiry lowers your fico score. Besides, I did not ask them nor authorize them to pull my credit report.

$47,000 was going to pay off our truck & loan saving us $600/mo. Also we had started getting bids to replace our windows in our home for more effeciency and lower utility bills. Our credit report now shows 3 hits from this company resulting in lowering our credit scores.

I now have to wait for my bank to reimburse me the $600.00 plus overdraft fees. I cannot pay my bills until this is handled, making my bills late.

I am letting my home go into Foreclosure beacause i cannot keep up with $2,300 a month payments on a condo built in 1980 2 bdr 1 bath 800 sq feet on my own! I had a 700 Fico score before all of this, now i received papers on my doorstep for NOtice to vacate my property in 10 days by Stanislaus Court! I am scared confused and i have contacted the dept of real estate attorneys everyone but time is running out for me and i have given everything to my bank to reinstate my loan around $10K and i am still being kicked out!

Here are a few examples:

**Rob quoted to Angie (seller) what to state on her sellers agreement form

**Rob told her she would not have to pay any at closing even though the paperwork said she would

**I was charged an additional $200 for the appraiser to drive back to my home and see that a repair was completed even though she told me I did not have to do the repair.

There is much more but now, lets move on to closing. Rob repeatedly delayed our closing date to the point that the seller threatened to drop the whole thing if he didn't get it over with. The day of closing, he told me to bring a cashiers check for $550 and that would be all I needed. The seller and I agreed that she would pay no closing. When we met at the attorney's office, we were suddenly told that the numbers were 'a little' off and we each would have to pay over $1,000 closing cost! We both said we couldn't and made Rob get the problem straightened out. Then he tells us that, according to the underwriters, I cannot pay more than $375! (So how did he come up with $550 cashiers check??)

It was finally settled at a little less than $2,000 in closing costs but Angie (seller) was led to believe some of her part would be reimbursed from interest on the old mortgage. Rob knew it would not be but did not tell her this. After all this was completed, I hoped to put it behind me and be happy in my home. Then, I receive a letter stating that my first payment was due 11/01/05 although MY closing paperwork says 12/01/05. I called to explain this, faxed the main office a copy, and was told that there were a number of 'discrepancies' that were being looked into concerning my closing.

After that, I continued to receive overnight packages asking me to sign the paperwork that they were 'missing' from my closing. Each time, it was the same set of papers where the first payment date had been changed from Dec to Nov. I did not sign theirs but sent a copy of mine instead. During this same time, I received a visit from a gentlemen saying he had been sent to do my HUD inspection. He was aggravated and upset to find out that we had closed on Oct 5 since it was the middle of Dec that he was sent to do this. He stated that we should never have closed without this inspection report. I was never told anything about an inspection of any kind. There are numerous pieces of information that I am not including because of the length of this complaint.

The regional manager, Cliff, handled things with incompetence from beginning to end. Here is the quick version of what transpired. Cliff asked an appraiser to come to our property and assess the value. The appraiser clearly was not familiar with our region because he got lost on the way to our property. He was confused about what his assignment was and I had to clarify to him that he was not to assess the value of the current house on our property because it was to be taken down after the new house has been constructed.

He spent less than five minutes assessing the site and asked no questions. He never called the builder to ask questions about the new construction. Our loan officer called a few days later and told us what the appraisal had come in at, and even he agreed that it was a ridiculously low figure with no basis in the reality of our local market.

I consulted other individuals who knew about real estate in our area, and they all told us that the assessment did not come in at a fair market value. Interestingly (and this is an important point) no one from Wells Fargo or from Value IT ever sent us the report from Cliff’s appraiser. However, I did glean some info from phone conversations with our Wells Fargo loan officer and from our builder. Cliff told the loan officer that the appraisal was low because he couldn’t find the value in the LAND. Cliff told our builder that the appraisal came in low because he couldn’t find the value in the CONSTRUCTION.

Then he told the builder that there is a need to control the market (and Cliff must be the self proclaimed controller in our area). I asked for information from the loan officer concerning what comparables were used in the appraisal and I only got sketchy information. My husband and I didn’t know what to do, so we tracked down some comparables in our area and FAXED them to Cliff so that he would have some idea of what new construction is going for in our area. Then I wrote directly to Cliff (on 4-13-05) to let him know that there was no way that my husband and I were going to accept an unfair appraisal of our property. He never wrote back to me directly and Wells Fargo never sent me the details of what comparables were used.

Being that Cliff was not very quick on the draw, my husband and I wrote to our loan officer and informed him that we needed to move on to another bank. The loan officer apologized and actually helped us make the transfer to another bank. We NEVER heard anything from Cliff, so I assume that he didn’t mind losing our business. Unbelievably, the day we changed banks, our new loan officer called and was surprised to learn that we had never received a copy of the appraisal (which had been passed along to her). I told her that I wanted the copy even though my husband and I were not going to accept it as a legitimate appraisal. She FAXED it to us that same day and with the appraisal in hand, we went around and visited the properties that Cliff’s appraiser had listed as comparable properties to ours. It was only then that we saw the joke. He had selected half swamped properties with cookie cutter box houses as comparables to our custom contemporary home on a beautiful 3 acre, very private lot.