Wells Fargo Mortgage

I went to my online account and found I had not been removed. Then I called WFHM and a rep confirmed that I had not yet been removed. In another complaint I filed against Wells Fargo Home Mortgage, I requested a current and accurate mortgage statement due to the fact that my statements have not been accurate. Two mortgage payments that I've made have not been applied to my account. Today in the response from WF, they claimed that my statements were accurate. This is another lie. Apparently WF believes they can resolve a complaint by lying.

When I called WFHM today the rep could not explain to me why my 2 payments had not been applied. She then said she'd connect me with an executive but I was disconnected before I had a chance to speak with anyone. I called two more times and I was disconnected. The 3rd time I spoke with an executive but she also could not explain to me WHY my payments had not been applied. She then informed me that she would have to OPEN A CASE. So they have opened another case even though my other cases on these same issues have not been resolved by Wells Fargo.

This is all WF seems to do. They open a case, the customer waits, eventually WF responds, but they lie, nothing gets resolved, and another case is opened. Save yourself time, energy, and aggravation: Don't do business with Wells Fargo Home Mortgage unless you want to deal with lies, corruption, and deception. Choosing WFHM for a home mortgage is the worst mistake I've ever made.

Original Review: There is no doubt in my mind that Wells Fargo is a shady company who has set me up to take my house. I was OFFERED a loan modification program by Wells Fargo in early 2020. I received the loan modification paperwork around the time the pandemic started and the country was shut down. At that time, I was a teacher who was instructed to teach online for the remainder of the school. I had to get the loan mod paperwork notarized, but I am 65 with some health issues and was concerned about contracting the virus, so I asked Wells Fargo if I could get the paperwork notarized when there was no longer a pandemic, as at that time I thought the pandemic might be short-lived. WF assured me I could do it later, and to just keep making monthly payments. The pandemic didn't get better. I live between Philadelphia and Trenton, NJ, and numbers have been consistently bad here.

Every month when I called to make the payment (always being put on hold at least an hour or more before the payment could be made) I inquired if not getting the papers notarized could jeopardize the loan modification. Every single month I was told that it would not. When I called in August to make the payment, I was informed that I no longer had a loan modification with WF because the paperwork did not get notarized. I was shocked as WF had assured me each month that it could wait. I was given no warning whatsoever that they would do this. WF could have told me that I would lose the loan if the papers weren't notarized. I was NEVER told that. WF didn't have the decency to even contact me. I only found out about it because I asked about the loan mod when I made a payment. I received a letter from WF a week later informing the loan mod ended.

When I checked my mortgage statement, I discovered WF had added over $10,000 to my statement, and claimed the amount was overdue. Now the overdue amount is stated at over $9,5000, even though I made a payment every month. In August I requested that the case be reviewed in the executive office and although I was told I'd be given an answer in 10 days, it is now Oct. 7, and I'm still waiting. Every time I call the executive office I'm told something different. On Sept 24, I called the ex office and asked to speak with a supervisor. She advised me to get my original paperwork notarized ASAP and mail it to WF. I did that the following day. I called WF 2 days ago and they claimed they hadn't received the paperwork yet. I called the ex office today and spoke with a man who checked and told me they had received my paperwork.

He said he'd transfer me to the caseworker who could provide more info. When I spoke with her, she claimed FW had NOT received the paperwork. When I asked to speak with her supervisor, I was also told the paperwork did not arrive. I requested that she overnight me another copy of the paperwork so I could get the paperwork notarized again and this time I would get confirmation when they received it. She would not do it. I have a copy of the original notarized paperwork, but was told WF will not accept anything but the original copy. They won't allow me to fax or mail the notarized copy even though I had it notarized at a Wells Fargo Bank. Two days ago, I was told for the FIRST TIME that the loan mod would only be reinstated if the mortgage lender approved.

So why was I never told this previously, like every month when I called to make a payment and inquired about the papers being notarized? I firmly believe that Wells Fargo is incredibly dishonest when dealing with their customers. Wells Fargo also put me on a loan suspension program, even though I didn't ask to be placed on it and I haven't missed a payment. This is a program that has something to do with people losing their jobs due to the pandemic and it doesn't apply to me. I believe this entire fiasco has been a ploy to take my house. I would never recommend Wells Fargo to anyone and wish I had never done business with them. I had no idea they could be so corrupt.

Somewhere their math is wrong. I had made it very clear from the beginning, that I had closed my personal account about a year and a half ago. They told me, "Don't worry. We will use your business account." And still they say I don't have enough assets, I own two properties out the country with a value close to $620,000.00 and have an account out of the country, will not say balance but a big one. Thanks Wells Fargo. I will be closing my accounts and take my business elsewhere, since I am no good for you. Fausto **

Original Review: I called Wells Fargo, applied for a mortgage, got a preapproval right away. Income and credit are great. After one month then I have to call in, to find out that I can't use my own money from business account. I stated clearly that I did not have a personal account that everything comes out of my business account. Was clearly told, "No problem. You have plenty of money in the bank." Then they tell me that I can not use my own money. Ridiculous. I been with them since 1991. Will close all my accounts.

When I called them on it, they said it would be applied after our monthly payment was received and asked if I wanted to pay it while we were on the phone. I told them it was automatically paid from our bank and we were not making a duplicate payment. They already had money they were sitting on, not applying it to principal. They said they could not apply it to the principal until after the monthly payment was made. The monthly payment was made and I had to e-mail them and complain because the big payment we made was still sitting there.

That night they applied but not back to Sept. 2nd, they applied it on the 8th and it did not show up until the 9th of September. I asked for credit on the interest because they had had our "good money" payment since the 2nd. They REFUSED to give us credit. Once again, Wells Fargo Mortgage has earned their F rating. It should be F-. We had no choice in going with them; the loan processor company, Nova, sold it to them without any choice from us. This has been a disaster loan from the start. Why can't Wells Fargo clean up their act?