Wells Fargo Mortgage Reviews

Three times the mortgage department has taken out extra flood insurance “on my behalf“ even though my current flood insurance is maxed out. This time they say they are canceling my flood insurance escrow collection. I’m out! Refinancing at a different lender.

Wells Fargo is by far the worse mortgage company I have ever dealt with. We applied for a mortgage on May 25 and could never get it closed. By September 10 we were so sick of dealing with them, we finally went with another lender. The new lender got done in seven (yes, 7) days what WF could not do in almost 4 months. WF asked for the same documents repeatedly. They asked for documents on Friday at 4:50 and our loan was scheduled to close that following Monday. WF sent us a commitment letter dated August 20 that had an expiration date of August 15. Our first loan processor was so unresponsive we were assigned to another after one month.

I bought my house in 2012 through my realtor Sibcy Kline who was quite marvelous to go above and beyond to make the experience seamless and painless. They selected my lender (Wells Fargo) and appraisal company and title company, etc. Fast forward to 2016, I decided to refinance because I wanted to get rid of my PMI and shorten my loan term, and I figured that it would be easier to use my same lender (Wells Fargo). I was able to get rid of my PMI and the process wasn't too bad.

I have had a mortgage with them for some time and went to refinance since the rates were much lower now. After 4 months of endless paperwork, escalating my account and "we are working on it", I finally stopped the process. This cost me $500 in fees. I went through Commonfund Mortgage got a better rate and with less hassle and paperwork. The whole process took a month and a half. Who ends up buying the mortgage but Wells Fargo. Go elsewhere for your refinancing needs.

Have carried WF as my mortgage holder for years.. no problem. Started refinance process with a credit score over 800. Six weeks later, twenty five documents and three days from closing they wanted information they already had. I told them to “pound sand”. Fast forward three weeks..I close on my current loan tomorrow with a lower interest rate, lower payments and no one asked intrusive questions. Piece of cake. Wells Fargo not so much.

Wells Fargo Mortgage recently bought my mortgage loans from Summit Financial Funding. During the course of home buying, Summit Financial did inform me that I can make a request to handle the escrow by myself after the house is closed and once my mortgage gets sold to a new firm. Now the new firm, Wells Fargo would simply not accept my request. They are bringing in new terms and conditions to essentially hold my escrow money, while I lose the opportunity to make diligent investments with my money and pay the taxes and insurance by myself. Personally, very poor experience with Wells Fargo. I would request consumers to avoid doing any business with Wells Fargo, if possible.

Wells Fargo mortgage department is nothing but crooks who get you for your money when paying for an appraisal to only deny you. Their communication when going through the process is not so open. Wasted almost $600 for some other company to get richer after being pre approved. What a waste of time. Thank you Wells Fargo for everything. I see why that you always on the news for taking other people money.

Wells Fargo is so unethical! I have VA home loan through them. I sold my house for EXACTLY what was owed on my loan. Fast forward 4 years later I apply for a new VA home loan and find out after I closed Wells Fargo billed the VA for 24,000. I asked what it was for and they have no information. They basically say when banks bill them they just pay it. I call Wells Fargo and they can’t give me a breakdown. Just say ‘fees’. They are fraudulently billing the VA and getting money! Most unethical company I have ever seen. I can only imagine what they do to people that bank there.

Adrienne ** home Mortgage Consultant **. She had my realtor to sell my house and after that I supposed to closed on my house but never happened. She wouldn’t not answer the phone. The bank will not call me to let me know what is going on with my loan. I am homeless plus my license home daycare with disabilities kids. She stole my life. No house and no income. Wells Fargo bank needs to compensate me cause I pay for inspection and mortgage insurance, survey, appraisal, earnest money. I will like to go on media so I can let people know don’t deal with Wells Fargo bank cause they are fake. I will be getting me a attorney because this should have never happen to me - homeless. Come on y’all. This is so wrong - the way that they treating me. Something got to be done about this so it won't happen to no one else.

Wells Fargo Bank Home mortgage not even deserve 0 rating, all of Wells Fargo Bank Home Mortage employee are unprofessional, liar, wasting people time as well people money. They don’t know what they are doing, they are not well train, most of them don't have work experience. They are just ripping off people. I am customer with Wells Fargo 5 years, I have 750 Credit score. I don’t have any other payments, I have permanent State job making more than 80k a year.

Updated on 07/31/2021: I wanted to update my last review but I don't see where I can do that so here's an additional review that I'm STILL WAITING for Wells Fargo to refinance my home or give me any kind of resolution. They have extended my rate lock yet another month because they've messed up so many times. But now if that was on me there's no way my rate lock would be extended. I've also been told I'd be contacted by somebody regarding my initial complaint and here I am still waiting for that too. At this point I'm going to cancel the whole refinance with Wells Fargo and go with a smaller company that will offer a better rate. Wells Fargo you've been a horrific experience.

Updated on 06/17/2021: So Wells Fargo responded to my review. They promised a phone call by the end of the day from one of their problem resolution person. He never called. Still no date to close on my refinance. Still no communication.

I loved Wells Fargo. I have heard a lot of complaints about them, but I had no problem with them. I would definitely use them again in the future. They were very customer oriented. I even got a gift card from them for refinancing.

I ended up with Wells Fargo for my mortgage after Wells Fargo acquired Washington Mutual. I called several time and ask if I can get a loan modification that I qualified for back in 2009/2010 and received no help. I was in a bad loan that was written by Washington Mutual and ended up paying over $200.000 extra interest on my loan. In March of 2020 I was able to pay my mortgage but not my taxes on my house. Wells Fargo didn't apply the payment to my loan because of that. I didn't find out for a couple of years. They used part of the money for something I don't know until today. The rest I was able to apply to a payment in 2014.

I am having nightmare experience with Wells Fargo currently while working on my home refinancing. I already have original loan with them. First they promised me a good rate and when I agreed to go with them, they gave me .75 higher rate than originally quoted. After that they tried to support their false claims. I decided to move on, and they called me back that they can keep their promise.

Think twice before you finance your home through Wells Fargo. They will change your contract to their advantage. I refinanced my home through them in 2013. Due date was supposed to be set up on the 15th of each month. They set it up on the 1st of the month. I get paid on the third week of each month. When I contacted them and explained why I needed the 15th, they told me not to worry about it that they’d never charge me late fees. For 8 years they stood behind the deal. For 8 years when they would call about it, they would look and see the deal in the notes. Now for some reason all the notes have disappeared. No records of them making this deal with me. And now all of a sudden I’m being charged late fees, which they know will add up every month for the next 12 years.

Had difficulties in negotiating numerous times with Wells Fargo for a lower interest rate on mortgage. I was successful with other lenders so highly recommend doing your research. I'm recommending Freedom Mortgage particularly for VA loans.

Wells Fargo is a rip off. They overcharged me on PMI after my loan had been paid in full. Also, in order to get a PMI removed they make a customer jump through hoops. The customer has to pay extra money to have a PMI removed. I am so happy I refinanced with another company. (Note: I am with American Financing now. So happy I switched.)

Wells Fargo pre-approved me last year 2020. After I paid all my fees and desktop appraisal fee they said they could not give me a loan because my business had a bad month during Covid19 which was the month of March 2020. I then went to United Wholesale Mortgage, received a better interest rate because of my 740 FICO score. They were unable to use WF Desktop Appraisal, I have been asking WF to refund me my money and no one has responded. They keep sending me to different staff members. If you are a business owner I would not get a mortgage through WF. Go to UWM instead. I purchased my home in 2020 with no issues and got the lowest interest rate and less fees.

Wells Fargo sales agent took our call to purchase a house. I described the situation and he said fill out application. He knew it was a tough sell but promised the world. He blatantly lied when he said "I'll talk to the underwriter and see what we can do." He called back and said, "I have a loan for you." We started the process and it was a long process. He kept asking us to send form after form and we complied. He asked us for so many forms that we decided we were going to call and cancel. The Wells Fargo rep actually called while we were discussing canceling. He said "my supervisor and I can get you a FHA loan approved."

When I signed the terms and conditions for their mortgage forgiveness program they did not disclose that you could not pay off that amount until you paid the loan in its entirety. Now other lenders will not give their best loans base on you showing you have two outstanding balance. They will do nothing about it and now it is costing me money. Their terms and conditions are deceptive yet again after they have already lose lawsuits.

If you are trying to get a mortgage loan from them-please skip them! First off, it's important to know that their loan officers are commission-based. This means, they will sell you the world and tell you that you are in good hands, and will close accordingly on your house, when all of this is a LIE. My loan officer told me that he has reviewed everything with his supervisor AND the underwriting team, and that I should close on my loan on time.

First let me say I am a WF customer, my previous mortgage was with WF, and we just refinanced. Although I got a great rate, it was the worst process ever. They messed up everything along the way. We had to scramble at the last minute to come up with cash that we were not told about till late in the process. Even then, I was completely uncomfortable about when my first payments were going to start etc. It took multiple phone calls to straighten everything out. If I had to do it again, I would look elsewhere.

It was an awful experience with the mortgage lender. They miscommunicated and blamed me the client. I had a closing date which was not met so threw off the moving and storage company costing me a premium. I provided all details when asked always the same day. The subsequent letters after complaint placed all blame on me. Absolutely horrendous experience and no customer focus.

Normally I don't like to do bad reviews but this 1 takes the cake. I been with this company for 11 years. I had my up and down with this company. But when there was an issue with payments they are not good. I had a representative of the company lied to me. Now this issue occurred 3X in a year. They offer Solutions to the problem but was unable to provide them due to the account being complicated. This company instead of fixing the problem or even trying to come up with a solution they bailed out on me. Be warned at this company. It's not in your best favor.

I currently have a home Mort, with Wells Fargo, 20+ years, I am buying a second home, I have Every account you can have in their bank, Checking, Savings, Retirement, Line of Credit, Credit cards, Debit cards, CD's, College funds, A LOT OF MONEY!!!! I asked for a Pre approval letter to give a Realtor, That's all, I should have gone Lending Tree, or anywhere else but here, No loyalty at all. NONE, I am treated like I have 5 dollars and am insufficient at that, Literally by some guy in another state that doesn't care, I had it to do over, REGIONS BANK, THEY TREATED ME THERE LIKE A PERSON, Did I say my credit was Excellent!!! Yes it is!!! If you Get Jake ** for your application, HANG UP!!!

There are many brick and mortar locations where you can talk to someone in person if you have problems, questions or need to make changes. The website is easy to use and the company keeps you informed by mail and on the website.. The statement is easy to read.

I'm a first time home buyer and got my mortgage with Commerce Mtg and my loan was sold to WF. I wasn't properly notified due to some errors with my address and phone number so I kept making payments to commerce, ON TIME. Then, I find out that my FICO score went down so I do some investigation and find out my loan was sold. I reach out to commerce and ask for my money back so I can make payments to WF. Once received, I immediately make payments to WF. I have been making payments on time to WF for a year now. I have auto payments set up.

My current mortgage is with Wells Fargo (sold to them after closing 2+ years ago) and I have not had any issues because I pay my mortgage and I don't create any issues. I thought since my mortgage and main checking account is already with them, refinancing should not be an issue. I was wrong! I started the refinance process with them on September 22, 2020. My initial closing date was November 21, 2020. Today is January 6, 2021 and I still have not closed and I don't have a "real" closing date yet.

I am a financial counselor. I like having full control of my money, how it is spent, how payments are sent etc. I recently got a new mortgage and ended up with Wells Fargo as my servicer. I HAVE ALWAYS HATED WELLS FARGO, they were terrible as a bank when I was in school and HAD TO use them for my on-campus transactions, they are terrible as creditors to my clients, they are horrible as mortgage servicers to my clients AND NOW ME. I DO NOT WANT TO SET UP AUTO WITHDRAWS WITH YOU ON THE PHONE. I shouldn't have to do that to pay my mortgage how I want to pay it!!! If I pay half of my mortgage biweekly to maximize my payments WHY CAN'T YOU APPLY THE PAYMENT AS SUCH unless YOU withdraw the money? NO, I WANT CONTROL OF MY MONEY AND MY BANK ACCOUNT PERIOD. If I could change servicers, I WOULD. If I had a choice on who my servicer was, it would not be WELLS FARGO!

Do not ever use Wells Fargo Home Mortgage. Even though you might think you are saving money, they will cost you so much more in the long run. They are negligent about the process, take absolutely no accountability for their delays/actions, and clearly have no care for their customers. My settlement has been delayed twice now due to Wells Fargo not completing a loan process on their end. They realized on the day that closing documents were due they had forgotten to verify something on their end.

I chose to use Wells Fargo because I've been a customer for over 20 years. However, the incompetence in Salem Oregon is blatant and dangerous. Information going to the cloud, constant request for the same information, and supervisors that take no accountability.

Worst bank in the world. Because of covid-19 they are not Lending. They just want to take your money for fraudulent appraisal and credit application. This is how they make their money. Last minute they will deny you. There's nothing you can do about it. One person gets your application and then 10 other people on working on your application that you don't know who they are. They just keep passing your application to different people.

Updated on 10/30/2020: Complaint Description: Wells Fargo claimed in writing that they removed me from forbearance and that my mortgage statement is accurate. Both statements are lies. I received a response from a complaint I filed with Wells Fargo Home Mortgage today, 10.30.2020. They claimed in writing that they had already removed me from forbearance. This statement from WF is a lie.

Updated on 10/09/2020: I keep receiving calls, from Wells Fargo. But nobody gives me a full explanation of my denial reason. I deposit yearly $700,000.00 my income out of there is $180,651.00 yearly. From my business account I pay all of my personal and home expenses, which comes out close to $50,000.00 to $60,000.00. Still even with great credit, great income. Wells Fargo denied me a loan saying not enough assets. Current balance in my account is $85,000.00. They say not enough to pay $15,745.00 in closing costs and another $2,800.00 to complete the downpayment.

For the 3rd time since we got stuck with Wells Fargo Mortgage, they have taken a stipulated principal payment, an extra payment, and either misapplied it or not applied it and they refuse to give us credit on interest charged. We have always paid our monthly payment on time; it is automatically drawn on our checking account at another financial institution. We only physically go to Wells Fargo to make extra principal payments. The first time we made an extra payment, like months' worth of principal, they showed it as rec'd but did not apply it to the principal until we brought it to their attention. The second time, they applied it to the next payment, which wasn't even due, and applied the balance to the principal. This time, on September 2, 2020, they once again posted it to our account but did not apply ANY of it to the principal.

My mortgage was sold to Wells Fargo which I was furious at first; then after talking to them I calmed down. Then when it was time for my house insurance to be paid, my insurance company sent the bill to the wrong mortgage holder, I was frantic since I could not get hold of my insurance agent to correct it; my insurance company dropped my home owners policy. I called Wells Fargo explained the situation and they got on the phone and help straighten the bill issue out. Great customer service from the insurance division of Wells Fargo.

The worst customer service. I avoided this company after they opened a fake credit card in my name but unfortunately they bought my mortgage note. The customer service is so bad I would never ever open a bank account, mortgage, or any other financial product. If you do business with them because you choose to (if they do not buy out your mortgage note) then you deserve the bad service you get from a national company built upon liars and cheaters.

Only good at stealing money. They are in bed with the FED, and will screw you out of a good loan with the JPMChase. Both were same rates, it is a scam! I know they are only interested in large loans, so they can rip people off!

Application process takes too long and found there a few departments handle your application and they do not communicate with each other. Every step the consumer need to be involved to share the information.

Initial loan process was smooth. But trying to refinance was an issue. It seem since our loan amount is below $100,000 they will not reduce our rate and lower our payment. They are the same as all the others we have contacted.

Updated on 10/05/2021: We had a VA home loan which was sold to Wells Fargo about 2 years buying our house. We had nothing but bad experiences with them, i.e., they talked my wife into signing paperwork adding 15 years to our mortgage which made it a 45 yr home loan the whole time since then so we decided to refinance and get out from under them. We refinance in Sep and this is now the beginning of October and they have decided to keep our escrow that we had built up. This Bank is nothing but a bunch of crooks. Do not deal with these people because they don't care about you, just how much money they can swindle out of people.

Ok, I’ve felt with Wells Fargo before it was not a good experience. Now by no choice of my own, my mortgage was sold to Wells Fargo. I would have never chosen them. But so far it’s been pretty good, no issues yet.

Got completely to the closing week and was told 2 days before closing they could not verify my employment, this was after 3 weeks of giving every doc they asked for. Lost the house. My credit rating 802.

I highly recommended my mortgage with Wells Fargo. They have an exceptional customer service, very polite and knowledgeable. They had been my company for so long now but I had to contacted them several times during this pandemic even though I had been able to pay my mortgage they had mentioned if anything they would work with us. We had never been late and we haven’t get any other loans with them but I’m sure if I ever need one we know we wouldn’t have any problem. I’m a 100% satisfied and I highly recommend them.

I am writing to tell you why I withdrew my application for a refinance mortgage and to tell you why I will never do business again with Wells Fargo. During the past 2 months I have had an unimaginably difficult time getting my application approved to refinance my current Wells Fargo mortgage as a 15-year re-finance for our primary residence. Let me be clear that my wife and I should be ideal applicants with a high credit score (>800), no negatives and plenty of assets. Our current 30-year mortgage is already with Wells Fargo. It is apparent to me that the mortgage process at Wells is broken and designed to convenience and protect the bank, not the customer.

I have been paying my mortgage now for 13 years (156 on time payments) even during this economically difficult time. I contacted WF to get my mortgage insurance fees removed. I sent 2 email to to different people and left a voice message for one of them. You would think they would respond and address your concerns. NOPE! 2 weeks in there is no response.

I have been with Wells Fargo for almost 20 years. Like others, I am trying to refinance the loan I have held with them. I have a permanent job, excellent credit (over 800), excellent payment history and am just seeking a refinance. Like many others there have been several delays and adding the need for additional documents- some that are random and are not connected to my home or not connected to a refinance. They have also changed pricing. They have run my credit report FOUR times and now ask for a letter explaining why I have so many credit inquiries on my report (all from them!!!). Every time that I submit documentation they ask for more, repeat submissions or documents I cannot provide because it's not connected to my property or it's an error that they have created.

Wells Fargo failed to complete my refinance in time. I had filed 3 formal complaints throughout the process due to delays. Initially I had a rep that lied to me about the process, who ended up getting fired, for internal reasons unknown to me. After getting a new rep, I was asked the same questions or for the same information repeatedly each time a few more weeks went by. I provided everything that was asked to me promptly and immediately. But it became excuse after excuse, extremely frustrating, and eventually resulted in missed deadlines.

I am unable to get online access. No matter how many hours I take to wait on hold or talk to someone, I get disconnected many times and have to wait hours again. I have no online access, so I can't see what my mortgage situation looks like. I sent a check to add to my escrow. but I don't think it was applied right. Again, I can't talk to anyone to fix that nor can I see online what happened. Every complaint I can make is either through their online system or by phone. I have no remedy to fix this. They bought my mortgage, so I had no choice but to deal with them. I am thinking of refinancing just to get away from them.

Stay away from them. First thing you need to know is you will deal with at least 4 different people maybe 5. First person - I will call the "salesman". Runs your credit. Tells you how wonderful everything is going to be. Second person I will call admin, if you get to this step you immediately get a list of about 10 things to do or documents to submit. OK... It's a mortgage right? Going to take some work. Moved our expected close date up so we had to switch lawyers ($). Two weeks before close I asked "do you have everything you need, haven't heard from you guys in a while?" Answer "Yes, everything is in order". Then you meet the Underwriter that works on your case based on close date and that added 20 documents or "To Do's" to the list.

We applied for a investment loan from Wells Fargo and have had nothing but trouble with them. The lack of communication, along with their ridiculous qualification requirements, really set things off on the wrong foot. It was always imperative that they have our information by a set time and date but when we needed clarification or had questions it could be days before we heard from them. We felt as though we were in a circus jumping through hoops for them. The nail in the coffin was that a week ahead of our closing date we were informed they had not done the home appraisal. Are you kidding me? We were forced to push back our closing an extra week and a half.

My wife got laid off and my overtime was cut due to the covid19. I asked about payment deferral on my mortgage and it was granted. What I wasn't informed of is two months later they now want the deferred payments made in the next two weeks. Was not offered any payment options or anything, just a email that this is what it due. My ot. is still gone and it's still difficult to make normal payments much less make up 2600$ in payments in two weeks. We are looking into refinancing now due to this.

We had a home mortgage with Wells Fargo for over 10 years and we sold our property and paid off our loan. We chose Wells Fargo for our next home purchase in FL. Big mistake. My husband is a government employee and stationed in MD and Wells Fargo said because he would not be living in the new home all the time it had to be called a 2nd home loan even though we do not own a 1st home. They changed the loan amount on 3 days before closing and change the loan from primary residence to 2nd home. When I asked the lender why would they do that and how would we prepare our year end taxes, he said, "Just call it your primary on your taxes." Telling us to lie on our taxes and suggest a loan classified as a second when it is not, is very dishonest. I would run from any loan mortgage with Wells Fargo!!!!

Same story as others. We are extraordinarily well-qualified borrowers with perfect credit (+800), high income, more than 70% equity in our home and a decade long history of mortgage and refinance with Wells Fargo without a single missed payment. After being approved for a small HELOC in early March we hired a builder and obtained permits. However, the HELOC approval was withdrawn in early May with multiple different excuses provided. Plain and simple, Wells Fargo is hoarding homeowner equity. We have lodged a complaint with CFPB, are filing a small claim in our county court to recover initial construction costs, and are exploring other legal options to potentially pursue Wells Fargo for lost rent on this income producing improvement. In addition, we are continuing to reach out to local media to draw attention to these illegal practices and would encourage others to do the same.

Horrible experience the day we were supposed to close on a house we found out we weren't getting the money. The week before they started working on our loan and kept giving us the runaround. We also lost the money we paid for the appraisal, no one had the courtesy to apologize. We submitted our paperwork on time to avoid any delays and we could call to check up and make sure everything was ok, we were told they needed nothing from us but apparently they were all lies. Please go with an FHA loan not Wells Fargo.

Wells Fargo doesn't even get one star from us. We have been customers for 20 years. Our first mortgage was with Wells. We refinanced with them once before and now that the rates were really low so we decided to refinance again. We were only looking for less years and a lower rate. (no extra money out) We have never missed a house payment and we have at least a credit score of 750 or more. We are essential workers and continue to work through Covid 19.

This place is a joke! Applied for a loan for an investment property and though I was approved, I backed out of Wells Fargo last minute. Here’s why; this property was suppose to be in a living trust. They asked for my death certificate. Clearly I’m not dead, I’m speaking to you (Idiots)! Then they asked me for the trust holder's death certificate. It’s a LIVING TRUST!!! They are not dead either. So much confusion when it came to the trust that I told them to leave it out and I will have my attorney put it in. It was hiccup after hiccup and hiccup. Then they asked for trust documentation anyways. This is unnecessary people! I told you to leave it out of the trust. They couldn’t give me a straight answer on the section of trust they needed. This is a 100 page document. I am not sending you all 100 pages. In which over 3/4 of it is none of your business. In fact, I believe I said leave it out of the trust so NONE of it is your business.

The bank did not pay my homeowners insurance out of escrow. Now I get a notice that my escrow account has a shortage. I can't get a human on the phone to figure this out. I will never use this bank again nor would I recommend them. I also cannot access my account online.

Let me start by saying that I already have two mortgages with Wells Fargo, my credit is excellent and both properties are rental. I wanted to buy a one bedroom condo and applied for a loan on May 1. I was pre-approved and provided all the required documentation. I was told everything was in order, I had to proactively follow up with them to know what was going on. Despite continuous follow up and providing all documentation 3 days before closing I was told we had a problem. If you are a legal permanent resident wells fargo cant do your mortgage for what they consider a second home. I told them it was a primary property where my wife and kids will reside. I travel internationally for work. I have never been late for a payment and was even willing to pay up to 40% down. Wells fargo showed a lack of willingness and charged me over 500 dollars for appraisal. I tried to reach supervisor several times, he never picked up.

I have been a 20yr + customer with Wells Fargo. They use to (until now) have all my mortgages and money accounts. I applied for a home equity loan on 4-25-20 via phone. Got notified by a loan processor on 4-30-20, he advised me that all my documentation was submitted and there is nothing else for me to do, but wait. I contacted him on 5-8-20 for a status updated, he advise me that my application was moving forward and should be assign to a underwriter shortly. On 5-11-20 got a confirmation that it was assigned to a underwriter. And was advised that my application should be approve by the end of the week.

I reached out to Wells Fargo on 4/15/2020, as their website indicated they had a very competitive rate of 2.625% 7/1 ARM, 25% down, total loan amount of almost 800k in Mass. Following the initial disclosures, everything went well, and I uploaded all the documents asap. From the original loan document and from talking to the Wells Fargo mortgage banker, I didn't have any issue qualifying for this loan, as I had monthly income >14K, rental income from another house offsetting majority of my mortgage payment, and also had paystub showing this year our company started paying bonus (>8K for the year).

Received a letter of foreclosure from Wells Fargo. All house payments have been made on time. April's payment was received prior to due date. Do not make the mistake I did. Find a reputable bank NOT CON ARTISTS AND THIEVES!

I requested forbearance from Wells Fargo mortgage and they reported to credit bureau. I was testing my theory about "forbearance not affecting your credit, like some government agency claimed". Yes, people don't fall for it, Wells Fargo will report you if you get a forbearance on your mortgage, affecting your chances to buy a house in the future. This is my case, I'm buying a new house, now I have to explain to the new lender why I requested forbearance. If you asking why I claimed forbearance? Well, I really don't care. I have money to buy cash. But I hope I can help someone from making this mistake that can cost them the purchase of a home, good luck people and if can pay your mortgage just pay it, so you are in the clear.

Due to Covid19 and our government's approval, I stopped my mortgage payment for 3 months. I received the approval from Wells Fargo. And everything was OK until I got the notice from Credit Karma that my credit score dropped by 40 point!!!! Really!! According to our government there should have been no effect to credit score. That’s a LIE.

One day before closing, after weeks of doing everything they wanted me to do including paying 500 for an appraisal and pest inspection. They told me the underwriter declined due to me missing payments over a year ago. I am a disabled veteran and missing my right leg. I am going strong working again. I am renting the property I am trying to by and my lease is up tomorrow the date I was suppose to close. With three kids and a wife it's going to be a struggle finding a new place to live. IMO if you are a fellow Veteran do not use Wells Fargo for refinancing or home purchases. If you have any questions about my experience reach out to me via email **… or Facebook Ken **.

I have had a loan in progress with WellsFargo for weeks. They called today to tell me they are denying the loan because they can't get an appraisal on my home due to the Coronavirus. Something about they can't get the Bay County Florida office to give them an appraisal. All anyone has to do is log onto the Bay County Tax Accessor's office and all the info is there. My credit score is excellent. My debt ratio is excellent. But, loan denied because they can't get an appraisal? That is bunk! They have several options to access the value of my property! This is not fair because the loan rate I was getting was low and now when the appraisal process is again available I will not be given the lower rate. Maybe they don't want to approve loans with low rates? Again, I don't believe the explanation I was given.

I am a high volume listing Realtor, averaging over 30 listings a year for over 20 years. I sit across the table from the buyer’s mortgage company, and no mortgage company or broker comes close to Wells Fargo in creating problems. Wells Fargo has screwed up my closings 13 times. The worse time was when my buyer, who had been approved a week earlier. The day before closing, in the late afternoon the underwriter decided to reinvestigate his relationship with the family company he worked for and wouldn’t sign off on disbursing the funds. The seller’s broker wouldn’t extend, they had a better offer than ours and wanted us to fall out. My buyer had to raise all of the funds to close by the end of business the following day. The family pitched in, draining the company of cash and he saved the house by paying all cash. How many of you could do that?

WF has spent the last few weeks delaying delaying delaying our closing, reportedly due to the covid-19 shelter-in-place order. However, we were already approved, we were waiting on one document -- the temporary certificate of occupancy, -- which WF has in hand. There can be no valid excuse for the holdup. The scrutiny WF has enjoyed recently due to their unethical account management and lending practices pale in comparison to their horrendous customer service. STAY AWAY, the 1 1/2 stars is inflated!!

Wells Fargo took a foreclosure home from me while it was still closing and claimed they sent out alerts. The first excuse they made to let you know they just took it is the excuse that Virginia doesn't have redemption laws. They auctioned off the home while I the buyer was about to close and even with alerting them that the loan was moving slow because it was a VA loan. They done this without sending alerts to the past owner or without posting that it was being auctioned. I don't understand how they are still allowed to operate like this even still after the recession. They have gotten even more unprofessional.

Wells Fargo failed to pay my homeowners insurance from my escrow account with them and as a result my insurance has been cancelled. I called and waited on hold for 40 minutes and they assured me they would overnight the check to my insurance company. They failed to do that as well. What a POS company. I've spoken with my attorney and he assured me that they are legally libel for failing to pay the insurance from escrow account if an insurance claim is filed while my coverage is lapsed. There is enough stress in the world right now without having to deal with these buffoons.

My experience with them was wait time for customer service to answer was almost 5 minutes then was transferred multiple times. They acted like they did not want to answer all my questions and concerns. Overall needs better service.

My final thoughts are that My Mother like Me had her Mortgage from Wells Fargo and she always mentioned nice things about them so that is what made Me take out My 1st Mortgage with Wells Fargo. Once My Mother got sick from Stage 4 Lung cancer it had become extremely difficult for her to keep up with her payments. As her daughter it was My duty to be her advocate & to take care of her. I was devastated because she was dying. After dealing with Wells Fargo in the midst of all the chaos and sadness, Wells Fargo understood and worked with Us to make everything go smoothly. They cared unlike most Mortgage companies.

Horrible customer service, I once forgot to mail my payment and they were calling non stop starting on the 10th and it isn’t considered late until the 16th. I have tried to get them to correct the credit reporting our mortgage is in both names and yet does not show on my husband's credit report. Our mortgage was sold to Wells Fargo. I would have never chosen them.

Getting the loan was easy. The paperwork I completed was altered by Wells Fargo. After paying the Mortgage in full, I lost the home due to Wells Fargo not vesting the home according to the notarized FreddieMac Uniform Residential Application. Do not trust anyone at Wells Fargo. They do not follow completed paperwork and ensure all documents are recorded. They cannot be trusted with any Financial Transactions.

Knowing that this bank defrauded their customers and paid fines to the government but NOT to us, the affected swindled customers is beyond reproach. Processing our mortgage application through the bank was a challenging process but also a mistake. Now they have all of our extensive personal info and we don't trust them. Banks must display integrity or lose their licenses to cease functioning.

The customer service is awesome. The company gives you options to catch up if you get behind. They don’t harass you on the phone if you are late on your payment. They were excellent when I refinanced my home and I am able to pay my mortgage on the phone with no charge.

It was my first time buying a home and the customer service was outstanding. They answered every question I had and then answered more that I hadn't even thought about. Extremely helpful in walking me through the process of understanding how lock in rates work, percentages and payments in buying a home. I wouldn't have known every step if it wasn't for the representative that helped me. Very patient and understanding with me and that made the whole process that much more memorable for me. I was a little intimidated at first but by the closing date I felt I knew everything I needed to know when I am ready to buy my next house. Now I know exactly what to expect and I'll be better prepared than I was before this experience.

It was my first time buying a home and the customer service was outstanding. They answered every question I had and then answered more that I hadn't even thought about. Extremely helpful in walking me through the process of understanding how lock in rates work, percentages and payments in buying a home. I wouldn't have known every step if it wasn't for the representative that helped me. Very patient and understanding with me and that made the whole process that much more memorable for me. I was a little intimidated at first but by the closing date I felt I knew everything I needed to know when I am ready to buy my next house. Now I know exactly what to expect and I'll be better prepared than I was before this experience.

I have had the same Wells Fargo Finance Person track my mortgage. He contacts me whenever the market changes in my favor. He always looks out for me. I have entrusted him with my mortgage for 18 years. Priceless to me.

I have 800+ FICO scores and a mix of W-2 and Schedule C income. Putting $300,000 down for a purchase of $550,000, almost 60%. Everything is approved verbally, never one inkling of a problem, until the day loan documents are to be drawn and the underwriter insists that I increase my down payment by an additional $16,000 or the loan will be denied. This because my Schedule C income was not as high in 2018 as it had been in 2017. Had they asked for my 2019 tax returns (I did ask if they needed them and was told NO) they would have known that the income went back up to higher than either of the prior years. Ridiculous. Very poor communication and no flexibility at all.

We wanted a 15 year loan. Several other companies would only offer 20-40 year loans. They were able to accommodate our needs with any problems. We chose to pay extra on our home loan in order to pay it off early. We shaved 6 years off our mortgage and are recent "real" homeowners. We were not charged any type of early payoff fees or given any problems at all. We have had a great experience with the Wells Fargo Mortgage Company.

I have not had a problem with Wells Fargo. Rather, they have approached me twice to refinance and adjust the mortgage rate downward at no cost to me. I looked at a HELOC with them but their rates were not as good as my regular bank.

We have our Home Mortgage with Wells Fargo. The application process was painless and the mortgage person helped us fill it out and answered all our questions. The best thing was we did not have to wait long for our mortgage yo be approved. Would use them again for sure.

We had pretty bad credit and were wanting to lower our mortgage payment to a more affordable payment. The person we were working with from Wells Fargo suggested a mortgage with a higher interest rate and longer term... for one year... then we would be able to refinance again at a lower rate because our payment history would be better. He also tried to talk us into adding a 401k loan into our refinancing. We didn't agree to the 401k loan addition, but we did agree to the higher rate for one year. Well, after one year, we were unable to refinance and were stuck with an outrageous rate AND outrageous payment. We nearly lost our house and our **. Thankfully, we were able to sell the house and get out from under Wells Fargo (who we now refer to as Hells Fargo).

The refinance seemed straightforward enough, since Wells Fargo held the original loan. But even though we were refinancing to a 15 year loan, they treated us like we were a big risk. We had to provide an enormous amount of documentation that we didn't have to provide in our initial loan. Our initial loan representative handed us off to another person and I felt like we were only important to him, our first rep, until we were locked in to the loan, he was assured of his commission, and an underling could handle the tedious parts. The good news is the 2nd loan officer was able to save us money on some fees, pointed out ways to save even more by not opting for other "add-one". The actual loan was a great value and the second loan officer a big help, all the way through to final signing.

Wells Fargo answers questions well to give assurance about your mortgage loan. There is someone available to talk to not a recorded message. And if there is a recording someone will speak to you right away courteously.

I was lucky to avoid much of the paperwork process with Wells Fargo, but so far the online system and support is intuitive and quick to use each month to direct a payment to my mortgage. I also find the website more useful than my others.

It was my first time buying a home and the customer service was outstanding. They answered every question I had and then answered more that I hadn't even thought about. Extremely helpful in walking me through the process of understanding how lock in rates work, percentages and payments in buying a home. I wouldn't have known every step if it wasn't for the representative that helped me. Very patient and understanding with me and that made the whole process that much more memorable for me. I was a little intimidated at first but by the closing date. I felt I knew everything I needed to know when I am ready to buy my next house. Now I know exactly what to expect and I'll be better prepared than I was before this experience.

To be honest, with all the bad news publicity Wells Fargo has gotten in the recent past I wasn't too excited about them handling my Mortgage. However, I have had nothing but positive experiences with Wells Fargo from the initial purchase, a refinance (to lower interest rate) and the on-line site is user friendly. I would recommend them.

The customer service was great, however there were a lot of issues technology wise. The application process was difficult because I wasn’t able to log into the website that they asked me to visit. Then, there were some issues with my billing. But other than that, I would recommend.

I HIGHLY suggest you DO NOT use this company for a loan for Mortgage! They have ridiculous restrictions and then justify their actions. THEY ARE THE WORST in the business! Everyone I know has had NOTHING but TROUBLE using them. If the loan isn't high enough or a cosigner is available with a high score but your score is a little low then they reject the loan automatically. I have closed my bank account with Wells Fargo and have moved to another banking system. If I could give zero starts I would!

Hated Wells Fargo Mortgage AND their servicing division so much that we did our last mortgage loan with Golden One Credit Union - who NEVER sells their loans. Best thing we ever did. Wells Fargo did everything in their power to try to stop us from adding extra $$ to our payment to pay it off quickly. We finally found a local bank manager who agreed to accept our accelerated payments, and we paid the loan off in record time. THAT'S how much we hate Wells Fargo.

It was my first time buying a home and the customer service was outstanding. They answered every question I had and then answered more that I hadn't even thought about. Extremely helpful in walking me through the process of understanding how lock in rates work, percentages and payments in buying a home. I wouldn't have known every step if it wasn't for the representative that helped me. Very patient and understanding with me and that made the whole process that much more memorable for me. I was a little intimidated at first but by the closing date. I felt I knew everything I needed to know when I am ready to buy my next house. Now I know exactly what to expect and I'll be better prepared than I was before this experience.

First the loan officer was a great support and was with me in the entire application and decision process. It was the first time I have purchased and she made me feel at ease, I trusted her and I was very shy about Wells Fargo being a ** female purchasing in Baltimore I had read lots of things. I feel good about the overall experience and I'm happy to be able to share my thoughts.

Awful experience. When I received the final statement showing all the fees I had to pay there was a math error on the spreadsheet. I had to spend an hour going through their numbers to find the problem. When I mentioned it to the Mortgage specialist she was only worried about me giving her a bad rating. I had to call a Vice President as this tied up the process for two weeks. They wouldn't accept my numbers, which were correct until I spoke to the Vice President.

When working with this lender I worked directly with a mortgage originator. She was very highly recommended and knew a lot of what needed to be done before I could even apply for my loan. Once I had my ducks in a row it seemed to go slow but steady. Things worked out great and I got the house that I wanted and then I also used the same person and mortgage company to buy my new home.

Application was easy. Customer service hours and response since 2007 has been great. Website provides easy way to review statements and manage automatic payment. Have been paying extra on principal using the website.

The application process was a nightmare. We have stellar credit and were still called upon to produce evidence of our financial status. We've bought 6 homes and the experience with Wells Fargo was by and large the worse.

They are rude and very mean. I lived with my fiancee for years and he passed away and they told me I had 2 weeks to get out. He wasn't even in the ground yet. Never would I ever have them again. They took our house and kicked me out on the street.

Wells Fargo quoted us one amount then called us back two days later and quoted us a much higher number, saying “The rate went up”. We happily declined the inflated offer. Wells Fargo needs to get it together.

It was my first time buying a home and the customer service was outstanding. They answered every question I had and then answered more that I hadn't even thought about. Extremely helpful in walking me through the process of understanding how lock in rates work, percentages and payments in buying a home. I wouldn't have known every step if it wasn't for the representative that helped me. Very patient and understanding with me and that made the whole process that much more memorable for me. I was a little intimidated at first but by the closing date I felt I knew everything I needed to know when I am ready to buy my next house. Now I know exactly what to expect and I'll be better prepared than I was before this experience.

Easy process. Always someone knowledgeable to talk to. When I wanted to draft my full payment in half they made it very easy. Overall easy to do mortgage business with them. I also had to do a loan modification with them and they made that super easy as well.

Wells Fargo gave me an excellent mortgage and service. I've had it since the 1990's I have also refinanced with them with no problems. Costs were cut and no appraisal fee. Every time I needed to speak to someone, they were friendly.

Wells Fargo was our choice when we decided to refinance to free up the funds we needed to pay back the debt we had accrued due to my illness that left me totally and permanently disabled. Since then, they have been very responsive in keeping our escrow at the needed level to cover all property and fire taxes, even when the rates changed with out notice. I would recommend that anyone needing to buy a house or refinance a current mortgage take a close look at Wells Fargo to see if it would meet their needs.

I had banked with 1st Federal/Associated Bank for over 40 years. I went in to take some equity out of my home. This seemed to be too difficult of a task for associated bank. I shopped around and went to Wells Fargo. Jeff ** and his team did a wonderful job. Thanking you here is all I can do.

They had a department devoted to getting borrowers into harp mortgages. Although it took quite a while to get it done, a representative devoted to my case was helpful. They were totally devoted to reducing my mortgage. It was a true lifesaver as my house was underwater and I owed on taxes. I saved a ton of money.

Wells Fargo bought my loan and wouldn’t work with me on a refinance, also they use a loan management company that wasn’t a customer friendly company. When I did get a modification they put a 100k balloon on top of what I owed. They boxed me in so that I was underwater forever. I had to short sell my home for less than half of its value. Wells Fargo is no better than a loan shark.

Well not only are they my mortgage company I also bank them as checking account. It’s really great. I don’t have to spend extra when it comes to paying my mortgage and my credit card. Awesome. They really professional and work with you and address whatever issues needs attention.

I started a mortgage application with this company in October 2019. They issued an approval letter and set a closing date in January, which was cancelled citing nothing had been done on the file. They began asking me for items that should have been asked for in the beginning of the mortgage application. They again set a closing date, which again was rescinded. They never negotiated with me in good faith. Their incompetence resulted in the seller going up on the price of the home and me eventually losing the home. This process was egregious, grueling, and eventually caused me to have medical conditions. I would advise if you have homeownership dreams they should not be trusted in the hands of this company.

I had my mortgage with Wells Fargo since 2006. In 2009 my husband passed away. As a result I lost $1500.00 income. Wells Fargo helped me keep my house by setting me up with a loan modification. I also have my checking account and a credit card with them.

First of all, this company offers some of the best customer service I've ever experienced. They're patient and professional with every question, take our concerns seriously, and usually try to accommodate us as best they can. Their mortgage rates are pretty good, and their lended-paid insurance option makes things a little easier. I would definitely recommend them.

Wells Fargo is a criminal enterprise. Wells Fargo negotiated a mortgage modification in bad faith and drove me into bankruptcy. They sent wave after wave of duplicative paperwork. Wells Fargo also opened a fraudulent bank account and stole money from my daughter.

I wasn't happy when I heard my loan was sold to Wells Fargo but I was pleasantly surprised. They treat me well, always have an American person to answer my calls, and I never wait on hold when I call in. All my principal payments are handled just as they should be. Never had a problem yet!

Getting a mortgage thru Wells Fargo is not an easy task, takes an enormous amount of time and patience, the representatives are very preoccupied with other duties and assignments. Plus after providing the needed documents to get the mortgage processed, you are asked to to provide the same documents a second time. Afterwards you wait with not updates. The entire process was unorganized and baffling.

Originally my mortgage company was Veterans United home loans. After the sale was finalized it was transferred to Wells Fargo. I had no say in this matter. That was in June of 2017. Now, in March of 2020 my monthly mortgage payment jumped from $1,143 to over 1,300, with no call or email from Wells Fargo explaining the reason for the change. I did receive a letter from them a few months ago so the increase wasn't unexpected, I just feel a personal call would have been in order. Wells Fargo needs to take a page from Veterans United playbook and improve Customer communications, especially with 1st time home buyers such as myself.

I spoke with Joseph ** about refinancing my home. He told me Any and everything I needed to here to go forward. When it was time to go to next step Mercedes ** takes over. Every time I caught her in a lie she tells me to call Joseph **. After going back and forth it was a waste of time refinancing. They charge me so many fees to refinance and I already had a mortgage with them..At the end they promise me my escrow from the old account which was over two thousand dollars. They waited a month and sent 300 hundred dollars saying it paid off the balance of my old mortgage.. This is a warning. They even ran my credit without asking for social security number for home equity loan after I only ask questions about it. When I made a complaint they said sorry. When you see these names you better run. Joseph **, Mercedes **, Cameron ** and Shaquasia **.

I have had a mortgage with Wells Fargo for years. I just refinanced and I asked for assistance with concerns prior to closing. My concerns were never passed along to the right person and I assumed they were. So I closed with a rate that could have been better not to mention costs at closing that were a surprise. Now that nothing can be done they tell me they only learned of my concerns the day after closing and they are sorry for the poor communication. I do not recommend working with Wells Fargo- shop around. There are much better options for your mortgage needs. They do NOT care about their customers, just themselves.

During a seemingly easy loan, multiple times Wells Fargo gave me little to NO notice of underwriting changes to my loan. These changes were after deposits would be lost and FORCED me to go along with changes. The main issue was "they" could not understand how I could commute to another state and they refused to make my loan a PRIMARY RESIDENCE.... thus making it a second home loan (even though I live there). It forced my interest rate up, deposit up, and PMI up.... I would have lost $2500 if I backed out so I was stuck. I WAS BASICALLY EXTORTED FOR MORE MONEY FOR NO REASON. I am in the process of refinancing the loan with a credit union.... as a primary residence!!!! DON'T USE WELLS FARGO!!!! EVER!!!!

Wells Fargo is the worst bank ever. They may have some good reviews, but overall as a company they can't get their facts right when they investigate something on your acct, then they lie to you and when you record them they get but hurt. I'm about to sue them for the things they have done to my family and myself. They put on a good sale, but in the end they will eat you alive. I tell everyone I come into contact with not to ever put their money or trust into this company.

Due to serious health dx Aug 2012, previous company layoff from financially great job, working hectic seasonal job 2013; I hired modification person to assist with WF Mod late 2013. I should have ask for refi. My loan "wasn't" in default, never missed or late & home never loss value during recession! Home purchased 6/99, with home saving, went out business, Wachovia took over, they closed. Loan rolled to WF. WF nor Mod specialist suggested refi, based on fact loan was in good standing. Home located in very desirable CA location. Had an adjustable rate mortgage. Due to financial & health issues wanted a fixed rate. ARM goes up each year on anniversary date.

I have been with Wells Fargo or whatever previous name they had, since 1994. I have been a customer in good standing for 25 years. I tried to refinance my house, going from an FHA loan into a conventional loan to recast my mortgage, through Wellsfargo. I had to write 3 different very personal papers, fill out approximately 250 different pages of information, and hunt down court documents that had nothing to do refinancing my house. Needless to say, it was a lot of time, money, and total crap over a 3 months span, just to be denied. I put in for a refinance with American Finance and close on the 10th. It took about 2 weeks. So, for those looking to refinance, save yourself a lot of headaches and do not do the refinance through Wellsfargo.

I appreciate reading these consumer reviews of the dismal and unfavorable experiences with Wells Fargo Mortgage. I had started the process, thinking that, as a long-time WF banking customer, that I would somehow be treated with respect and professionalism. I was wrong. First, I was not informed about My Mortgage Tracker and could not locate where to upload financial documents. I contacted a Rachel ** somewhere in the Midwest and did not receive a response for a couple of days, though she did apologize for not responding in a timely way.

With my mortgage I have an escrow account to cover my taxes and insurance premiums. I come to find out that after my 1st year with Wells Fargo they never sent my insurance a premium payment for coverage renewal. This is a property investment in a flood zone that hasn't had coverage for now over 2 weeks where they can't get there act together. There's nothing difficult about it, I would have paid the renewal premium myself but that would DEFEAT THE WHOLE PURPOSE OF HAVING AN ESCROW ACCOUNT!! I've had my agent fax them the policy where they just have to process the payment and still no results. They can't do their job and at my business expense.

WF did not report on my mortgage for 3 years. I contacted them 3 different times. Each time I was promised it would be corrected. They failed to correct it 3 times. I disputed the error through the credit bureaus and WF said the information was correct. The payoff amount and balance due were off by 15k. When I showed them they said it would take 2 weeks to review - not correct but to review.

WF is completely and totally incompetent with regard to keeping track of client's homeowner's insurance info. Four (4) time since Sept. 9, 2019 WF has sent dunning letters indicating that we failed to provide proof of homeowners insurance despite having done so proactively prior to first notice and in response to each and every follow-up.

I wanted to fix my home loan with Wells Fargo, and they insisted that I only qualified to get a Home Loan Modification, because I am a public school teacher and did not make enough money. They insisted that the only way to get this modification was not to pay 4 months of mortgage. I told them I was scared to do this for fear of foreclosure. They assured me I had nothing to worry about, because worse case scenario they would add these months to the end of my loan, and said that even if it took time, I would have no problems with the modification. Before I knew it, and with no warnings, Wells Fargo put me in Foreclosure. I had to borrow $14,000 in one week to get out of foreclosure. Needless to say, they ruined my credit. I had to get help from Keep Your Home California.

Let me first state that I am a current Wells Fargo home loan customer. My first mortgage was with Wells Fargo and went smoothly so naturally I thought going through Wells again for another home loan would be a relatively smooth process. Well I was wrong. Initially things seemed on track and moving along but when we got down to the last couple of weeks the process seems to hit a wall. The team working the loan processing seemed completely incompetent of working a loan through the Wells Fargo loan conveyor belt. I understand it’s a very large financial firm and they likely process hundreds of loans a quarter but none the less, keeping the customer happy and up-to-date on the status of things seemed to be the least of their priorities.

This was the absolute most horrific loan process I have ever had. It took over 4-5 months to close and I was told it would take no longer than 2 months. The closing date was extended multiple times; the sellers were ready to back out. If it were not for my fantastic Realtor, I would have lost the home. It appeared and I was told directly by my loan officer that there was poor communication between all departments involved at Wells Fargo. Repeatedly I was asked to submit the same paperwork because no one was on the same page at Wells Fargo. Throughout the entire process, I was not able to get clear answers from anyone, which became very frustrating and stressful. I did not know a loan process was supposed to feel like this and I lost complete confidence and trust in Wells Fargo. I will never use or recommend Wells Fargo to anyone and I feel deeply sorry for anyone that does and has to experience what I went through.

I applied for my pre-approval with Emily **in August. At first she was really nice, but then she pulled a disappearing act; lost the same document 5 times (I would just resend her the emails); asked for “cancelled checks for my lease” in order to “prove I signed a lease with an apartment complex” (um, everything is digital so I had never written one and isn’t the signed lease okay to prove I had a signed lease?); said I was moving to Minnesota (nope on that one); actually asked for an academic transcript to prove I was in law school (how about a proof of enrollment or the giant non-fraudulent student loan on my credit report) and so much more.

My brother passed suddenly, no will, and had Wells Fargo Mortgage. I sent them a death certificate and gave them my number as a contact. What did they do? They called every day asking for my brother to get their payment. Rude and unprofessional. Then they started foreclosure as we were waiting to get into probate. I started paying the mortgage as soon as we got into probate and had sold enough things to have funds to pay the mortgage. What did they do? They charged the estate for the lawyer fees when they started foreclosure, knowing full well that we didn't have funds to pay right away. This company has no compassion. They had me in tears many times with their calls asking to speak to my deceased brother. They were the worst company I have ever dealt with. Do not choose them for your mortgage company if you have a choice!

We had the unfortunate experience of having our mortgage note sold to Wells Fargo from the lender we had chosen. This is common in the industry. We sold our house over 3 weeks ago and they not only made us pay our taxes twice at closing only to have the adjusted amount refunded and sent within two weeks of close. This is a very large chunk of money. Still no check from the most dishonest of the big banks. No answer. Little we can do. They are simple garbage from not from an ethics standpoint but from a business one as well. Do yourself the favor of not choosing if you happen to be looking for a lender. They are notoriously slow to close. We ended up with them because we had no control on whom the note was sold to. They lie. They lie. They cheat. They steal. Keep that in mind.

My wife and I were purchasing a second home. This was our 3rd Wells Fargo home loan. All of our investments are with W-F Financial Advisors. We went through the pre-approval process locking in our interest rate and the loan amount requested was way below the limit we were approved for. The property appraisal came back fine. And then the crap hit the fan. Seventy-two hours before closing, we hear “the underwriters” want a much larger down payment and another 1.25% interest addition. We screamed murder but were told “the underwriters” have final say. The pre-approval process is a joke. We had no choice but to go along since it was almost at closing. Our W-F Financial advisor went bat for us but to no avail. NEVER AGAIN! Wells Fargo Mortgage, you’ve lost us and everyone we know as potential customers.

I was a first time home buyer who was very apprehensive about WF and the entire process. I decided to give WF a chance anyway. I must say, they stand with you every step of the way. Brandon ** and Will ** was terrific to work with. Had it not been for Brandon ** I probably would have kept renting. He was in constant contact with me patiently answering every question in a very timely manner. Will ** ensured we made our Closing date. I also enjoyed the fact I could use the Loan Tracker which was a great help as well. Even though there are so many steps in purchasing a home, you must speak to a few different people in their respective areas, Brandon was still there ensuring all was going well for me. I realize WF didn't have the best reputation but I have absolutely nothing but praise for the service I've personally received. Thank you, Brandon & Will, for helping me fulfill my dream!

I have struggled to pay mortgage at times, and they only compound your problems. Also tried to claim attorney fees that weren't charged. My other mortgage is with a local bank, they will work with you. Difference is night and day.

Wells Fargo has errors that I have made them aware of since Feb. 1, 2014 in regards to my HUD 1, modification errors and escrow miscalculation I have filed with CFPB, OCC, HUD, Wells Fargo and etc. They continue to send me the same answers to my concern but there are several lawsuits against Wells Fargo with others having the same issues regarding Wells Fargo miscalculations of modifications and escrow errors and wrongfully foreclosure on their property and my property. I have supporting documentation I have provided to Wells Fargo with comments and they are ignoring them continuously.

I have been a customer with WF for over 30 years, That is about to end after my recent home mortgage experience. Initially, I dealt with a banking assistant who was in mortgage related training. After several mortgage calculation errors, I reached out to her superior to oversee the process. During this process, he gave me a closing date that was critically linked to my out of state move. He failed to fulfill this closing date, which generated additional travel and lodging expense for me (new closing date). Lastly, I was told from the onset that I was eligible for a $500 gift card as a former union member. Mysteriously, this did not apply after the loan was closed. Abysmal customer service.

We applied to get a loan from multiple lenders. We filled out the loan application for Wells Fargo lending and put in all the information and uploaded our tax returns. Wells Fargo contacted us and pre-approved us for a loan. It was more than any other lender would approve us for so we were very hesitant. We told our Wells Fargo agent both over the phone and in email of our concerns and he assured/promised us that all the information was in the computer and that we would be backed for the loan if we went under contract for a home. So we looked for a home and made an offer and had it accepted and went under contract. We talked to our agent again and started uploading the contract and other documents and signing forms and continuing the process.

I started a refinance with Wells Fargo June 3rd 2019 as they are my current mortgage company and thought it would be a smooth process. I submitted all the documentation in a timely manner. They charged $500 for the appraisal over 2 months ago. My rate lock expires 10/3. It is now 9/10 and I cannot get anyone to call me back - the original loan officer I was dealing with I just found out left the company (although it would take him minimum 1 week to respond anyways). I have left messages for his boss and have tried to contact numerous people. No one knows what is going on. They say they will escalate yet still no return phone calls from anyone. At this point I have considered this refinance a waste of my time and am exploring other options through other banks. Wells Fargo will not only lose my current mortgage but I also plan to pull my checking and savings with W.F. as well. I'm done with them.

Wells Fargo bases ALL of their decision on "will it make me the money" vs "how much will it cost us". Profit over People model and they actually have a formula. We are to blame. We put up with their abuse, hear my story! I had a disagreement with the HOA of my Condo and stopped paying HOA fees. HOA foreclosed on my condo in Feb 2018. Wells Fargo started reporting MISSED payments after the foreclosure and RUINED my credit. WF allowed the purchaser (a complete stranger to me) use my WF loan for 18 months and only paid when WF threatened foreclosure. They paid just enough to stop the foreclosure and then never paid another payment. WF response to this is that the person had a "right to protect their assets". WHAT? If that was the case you would have made them pay off the loan at the time of the foreclosure auction.

I have several bank accounts with Wells Fargo and have been a customer for longer than I can remember. I requested a “cash out” loan on my residence which is fully paid. I asked for $50,000 on a house they appraised for $450,000. It took 30 days for the underwriter to look at my documents. Some on these had been submitted twice already. I received a list if 15 additional inquiries, it’s more to come. The underwriter had gone over every deposit and check for at least 3 months. The deposits were transfers (if they had bothered to look). The checks were for credit card payments. I found the process to be invasive and offensive.

I am facing financial difficulties and was issued a letter from Wells Fargo, the bank that services my home loan. In order to expedite and prevent my home from going into foreclosure, I contacted the bank and asked them to send me a copy of the letter they previously sent me via standard mail. To my dismay, their emailing process takes longer than sending correspondence via regular mail. I tried explaining to them that timing is crucial in order to prevent anything of this magnitude to happen. They put me on to a manager and to another department, but they still did not send the email, which only takes the push of a button.

We tried to refinance with Wells Fargo. Everything was fine and there were no issues along the way. Three days prior to closing I noticed online that PMI was on our loan. I asked the loan officer about this and he did not know why either. He eventually emailed me stating Wells Fargo did not accept the appraisal (by a 3rd party they hired) and arbitrarily lowered our home value by $60,000 and we were now required to have PMI. We were never told they didn't accept the appraisal and we were never told about the PMI.

I started my application for a mortgage with WF in May (nearly 4 months ago). I have good credit, financials, etc. and was quickly pre-approved. Since then, this process has turned into a quagmire. I have been asked to submit the same set of documents multiple times by the banker, processor, and then finding out that they were never received by the underwrite. Underwriting turnaround times are at over 2 weeks. All the while, the banker that I was assigned has been essentially MIA; answering emails/calls weeks later. WF has competitive mortgage rates, but so do their peers. Most of the larger banks will match WF (e.g. Chase, BofA). My overall advice is not to waste your time here, there are plenty of other lenders. I am in the process of closing all accounts I have with WF. I would never do business with them in any capacity again.

Wells Fargo appears to have altered internal documentation on a mortgage my husband secured without my knowledge. They added my name to the documentation in an attempt to obligate me to the transaction. WF continues to have a pattern of customer abuse and fraud.

I have multiple savings accounts, checking accounts, business accounts, personal loan, 10+ years of perfect payment on my current mortgage. Applied for a new loan for a house we want to buy, was told underwriting would take 7-10 days, I’m now past 30 days since everything was submitted. Some of my emails have been completely ignored and some were just lies to stop me from asking. My loan still isn’t approved as I’m sure it’s sitting on someone’s desk in a pile being ignored. I’m so frustrated I might just take ALL my business to another bank that has either a proper amount of underwriters or better customer service skills. I’ve given them everything as they asked same day. They “forgot” to send me 1 form that held up my application going to underwriting an additional 10 days. What the heck is going on? Not only will they lose new business to another bank but they are going to lose existing business because their service is so poor.

My husband inherited property that had a lot of problems, the house had a cracked foundation, just to start with. He wanted to move the house to a different location and went to the Clovis Wells Fargo branch to see about a loan. He explained the entire project to Mark ** and my husband was told that it would be no problem to get a home equity line of credit. My husband proceeded to spend a lot of time and money on permits, supplies, trenching, etc and went to the bank to arrange for the loan. Mark ** then told him that he couldn't get a loan for that type of project. He said to meet with someone knowledgeable about mortgages and make an appointment to meet with Greg, the mortgage expert the following Monday.

Although the mortgage application process was lengthy, stressful and, at times, personally invasive, it was a worthwhile experience. The only reason I say this, is because my Mortgage Consultant, Brett **, Melbourne, FL, was there for me every step of the way. He is diligent, resourceful, compassionate, and has a great sense of humor. Why is this important? Many times throughout the mortgage process, I wanted to bail and ditch the entire scene, and remain in my apt. for eternity. It was a real struggle for me, to put my entire life savings down on a home, and the decision was almost unbearable: At times, I felt myself unraveling at the seams.

Hello. In 2004 I purchased a home through WELLS FARGO in SC for 153,000.00 and all seemed fine. In 2010 my job as a commissioned sales rep was compromised as all consumer confidence in banking and loans crashed and it was hard to make any money. Wells Fargo offered us a loan modification but we had to be behind three payments. We were behind nothing at all but decided to take their advice to get some sort of concession on our mortgage obligation.

I have my real estate taxes and homeowners insurance put in an escrow account. I don't remember many of the details of payments prior to 2018, but in 2018 I received a cancellation notice from my homeowners insurance company via US mail. I naturally called the insurance company, they said Wells Fargo didn't send the payment. I paid the bill using a credit card, called Wells Fargo Mort., they claimed they were waiting for insurance. They would send payment to insurance who then would reimburse me. Well 6 weeks later with no reimbursement I called Wells Fargo Mort.. I pleasantly asked them if they paid the homeowners insurance, her reply was "since the insurance was already paid they were keeping the money.

I want to share my own horror story of buying an investment home. It’s a long story but I do hope I can help someone by sharing my own. We sold our previous investment property by using 1031 exchange tax deferral program. It not that complicated if you hire the right agent who knows the game. The seller of the replacement property offered 14K credit at closing. Since we weren’t sure if the credit is allow to be issued as a separate check to us or has to be applied towards the mortgage, our realtor wrote an email to WF mortgage consultant, Tom, trying to get a clear answer directly from the lender. Less than an hour later, he called and told my realtor it’s no problem and we can get the credit separately as opposed to applying it to the mortgage. Wonderful isn’t it? Right, until we found out he was lying.

When taxes and or insurance went up, according to the person on the phone there is absolutely no way to make a lump sum payment to escrow in order to keep your monthly payments from increasing for the next year. Not sure about anyone else but I recently refinanced so that my payments would be lower to fit my monthly budget but now Wells Fargo won’t allow me to do anything about their increase. Very disgusted with this company and how they do business.

I am on day 33 in WFB underwriting. I have received a loan approval with conditions after 18 business days in WFB underwriting. My file was submitted by a loan correspondent to WFB. Never have I met such incompetent underwriters as Wells Fargo offers! Utter disgrace to ever have anything to do with a consumer. I am refinancing a California property and one of my approval conditions is to prove my master insurance policy on a home I own free and clear in another state provides HO6 interior insurance. Are you serious??? This is not the subject property!! This has absolutely no bearing on my file! I have over 5 years of cash reserves and currently at 70LTV with a 17$ back ratio and after providing them proof that my 2018 taxes have been paid, they now want proof which account the money for taxes came from???

My wife and I had been long time clients of Wells Fargo (30 years). Now retired, we tried to get a New Home Mortgage. Two months of bad information, options they can't perform, and excuses! STAY AWAY!!!

Back in 2011 I was dealing with a business loss and the mortgage devaluation crisis that started in 2008, I was forced to file Chapter 13 to repay my debts and keep paying for the house. That is a legal commitment, my attorney was in contact with them, and even negotiating a Hamp refinance between both parties. Then a Saturday morning my sister wakes me up terrified saying there is a peeping tom on her window. Rushed outside and got into a physical confrontation with a thief of some kind - no ID, no uniform. The struggle ended with him driving away before police arrived..Come to find out it was a WF subcontractor. My sister was terrified and moved out shortly. The worst is yet to come. Another Saturday afternoon, I've found a thug climbing my backyard fence with a weapon of sorts. Armed myself I invited him to climb down and wait for the police. This is a life and death situation created by WF.

I have had a very negative experience with them. I was recently divorced and received an investment property in the settlement with a $100K mortgage, fully funded by rental income (plus $400 in monthly profits after all fees and taxes), and with an asset value of $390K. I was denied the assumption even though I have other assets worth 40x (yes) the amount of the mortgage. As a single mother, who is financially stable, this feels like discrimination and is shortsighted. I am certainly not at risk of defaulting. I will now pay off the mortgage (meaning WF will lose interest revenue from my loan) and never work with or recommend WF again as a mortgage or investment portfolio option.

I have been a Wells customer for 20 years but making changes to stop doing business. The mortgage experience radically changed my life negatively and the banking with them, after they took over Wachovia, has always been problematic. As far as the mortgage experience, to make it brief, I paid one of my mortgages on WF bill pay. They took out the money from my account but did not send it to Suntrust (another terrible customer service bank). After the snafu they apologized, as did Suntrust, but it cost me an opportunity for a home near my parents to assist them.

We've been mortgage customers of Wells Fargo for many years, stayed current and pay on-time. After a tough year with a reduced salary, yet still making regular on-time payments and staying current, I sought help by having our mortgage restructured to keep our home and maintain our good credit. The process was a long drawn-out nightmare. During the process, mutual miscommunication led to our credit score being impacted, and the bank neither took any responsibility nor offered no help in correcting the problem. Wells Fargo seems to not place much value on keeping and satisfying good, loyal, and honorable long-time customers. Poor customer service just compounds Wells Fargo's many reputation (and legal) problems. With so many bank and credit union options, I will never use Wells Fargo for any personal or business banking. I'd recommend others do the same.

We reached out to Wells Fargo about possibly having a line of credit opened on our home, which we own. We own our home, we do not have a mortgage on it. She opened a loan application for us and insisted that we have an appraisal done. We explained that we had just had one done, could we provide her with that one. She said no. We asked, "Can you work it into the loan," she said no. She said, "Have the appraisal done and I will refund you if you are not approved for the loan." We gave her our credit card. We were not approved and she did not refund us. I have been back and forth with Wells Fargo over this situation and each time they say they have no proof that this conversation happened because she was speaking to us on her cell phone.

Blocked my online access when I start to open my account and I don't have any mistakes. I already went to the bank in person and I provide my ids to the manager of the bank.

I'm gonna try to get to the point but I have to let you know where it all started. I presently have Wells Fargo as my mortgage company. I considered doing a refi for home improvements and went to other companies, but at the last minute I thought why not try Wells Fargo. I didn't know if Wells Fargo being my primary would give me a secondary so I called and asked. There was a young man on the phone who took my information, pulled my record up and immediately told me that they would not do that for me because I had 6 late payments since I have been with Wells Fargo. I went on to speak with this young man and told him how dismayed I was.

I submitted a written request to Wells Fargo to cancel my autopay because the house was in the process of closing and I wanted it paid out of escrow. Unfortunately, those Wells timely received the request - they did not act on it. I called and faxed a letter after receiving a call from someone saying they had not received the request from me until after the withdrawal date (I had a letter from Wells saying they received my fax 10 days earlier).

Wells Fargo offered a payment deferment for homeowners that were adversely impacted by Hurricane Florence last year. I was told the deferment would be for 90 days and that the deferred payments would be added to the end of my loan. What a God send I thought due to the fact my employment was adversely affected by devastating flooding and my home sustained damages that were not covered by insurance. I gratefully accepted the deferment and took what little money I did receive during this time to start working on the damages to the house to ensure that mold did not invade and cause further damages, protecting both my health and Wells Fargo's investment.

In FL hurricane WF offered us a 90 day relief (no payments, no penalties, add to end of note) for tree that fell close to our home & cleanup/fix home. It was HELL. I got foreclosure letters. I had to call dozens of times and do all legwork to keep proving we had 3 month relief. YOU offered, I didn’t ask for this. But never should have accepted. Be wary of kindness.

My last mortgage experience with WF was a nightmare. My abstract on the property where I built my house was one day from expiring because my mortgage rep couldn't get it together. When I went around him to solve a problem he called, chewed me out and sort of threatened me. Bad experience.

I've had 3 mortgages with Wells Fargo, and been delighted every time with the service, their transparency, and the fact they're such a huge company they are watched closely by all the federal regulatory agencies. Makes for a more professional, happy experience.

Wells Fargo helped save my house when I lost my house and my husband became disabled. I can never thank them enough for being as compassionate as they were. Now that my husband is deceased, I plan on selling this home and buying a condo. I will call Wells Fargo again.

After being in an automobile accident that left me unable to work I went through some tough times during that time. I reached out to Wells Fargo and asked them to work with me. It took them six weeks to put together a refinance mortgage that ended up benefiting them as far as interest is concerned more than me and also ruined my credit by reporting the late payments while they were putting together an offer. To this day I have wrote them letters, called them and beg them to please remove the negative credit from my credit report but they refuse. Not a very friendly or empathetic mortgage company to work with. Beware.

I find that Wells Fargo has done a very good job for me! They came to me to lower my mortgage rate and finance years. My mortgage rate was up over 73/4 and now it is about 31/2 and it was financed for 22 years and after refinance it was brought down to 15 years. In eight more years my house will be paid off.

I placed a complaint regarding my investment account and my mortgage account and my inability to get a loan in March and no one has resolved anything! Then I get calls from God knows where and they leave extensions that are `10 digits long and if I miss a digit? They have no record of anyone calling me. I was screwed on my investments and have only made 2% since 2009.

I haven't had any issue. I have called the mortgage dept several times about escrow. My questions and request are quickly resolved. Wells Fargo took over the mortgage about a year of being with First Natl. Bank of Douglas.

Their recommendations during a govt.-backed mortgage reduction payment process in 2012 almost cost me my house and the final result was a refinance that was NO savings at all. They did not reduce the interest rate at all. Instead, they extended my original loan by 13 years.

They applied our monthly payment then unapplied multiple times ending in no payment to our mortgage. Cost $15000. Court order to return money to our mortgage took 6 months, they had to research this? What? Their attorney wasn’t present before the judge at this time???

Fraudulent practices, bait & switch practiced regularly, unethical pricing, very deceptive when asked specific questions. They were unapologetic and rude, I was in that line of work and was shocked. They made loans without disclosing loan terms. Their customer service more like an episode of Maury Povich with less swearing. WF offered the same loan rates to their 'in-house or platform' lenders with the added ability to undersell their own loans written through the wholesale divisions. I get a knot in my stomach knowing how they dealt with me and in closing out my mother's estate I suspect that she too was taken advantage of until I refinanced her out of the WF program. The more a company advertises how much they care about you, the less likely it is to be true.

Ike Turner treated Tina better than this company treats its customers. RUN far away as they will be very cordial in courting your business and ram you big time in the end. I needed help during a health crisis, trying to recover from chronic pain after a car accident. Delayed SSDI determination and failing health means nothing to this soul-less entity.

15 years with this mortgage company, Wells Fargo - I haven't receive any product or any sort of advertising from to response as business relationship, so I have not much to say. However, all I did is keeping my payment on time, except a few credit cards. I think Wells Fargo done a great job on delivery good mortgage rates and availability to fit consumer income on their budget into one piece count.

Was in a bad accident with a drunk driver and was in the hospital for several months. I had my daughter write a letter of hardship when Wells didn't care. I never missed a payment in 6 years and was always on time. They then placed a notice on my door and stated that in 30 days the house would belong to them. I then sold the home through a short sale and Wells Fargo was paid in full. After they placed a neg. feedback on my credit file. They are a bunch of non caring ** that could care less about their customers.

Wells Fargo is absolutely the worst bank ever. They are dishonest and greedy. I paid my loan off due to their incompetence so I wouldn't have to deal with their horrible customer service! Wells Fargo as a bank is a joke.

I called Wells Fargo to ask about refinancing and they wouldn't help me. They said I didn't have enough money left on my mortgage payments to want to bother. I'M going to look for another mortgage company.

Wells Fargo took over my mortgage without an application from me. I would have never have signed on with them. They do not care about you or your family and they lie to you. Then a few year back they merged with another mortgage company and sold some of their loans to them. My loan was one of them and I had deal with that company who was under Wells Fargo’s rules. I could never tell if my terms were ever changed due to the poor customer service.

Good service. Quick response and data analysis. All questions are answered in timely manner and fully satisfy. Account number was already prepared before representative started to answer the call. No waiting time for call answer.

We have had 2 mortgages with Wells Fargo and they screwed up our house insurance both times. The second time our house was almost canceled. Now we take out our taxes ourselves and pay them from our checking account.

Wells Fargo is a terrible mortgage company and I have tried unsuccessfully to re-finance elsewhere. I'm looking forward to the day when I'm able to have my mortgage with another lender. Specifically, I escrow for taxes and insurance. Several years ago, Wells Fargo mistakenly withdrew the entire balance in my escrow account mid-year when they should have withdrawn only a small monthly payment. This withdrawal was not discovered until the end of the year and a large escrow account shortage occurred. While I admit the money was owed, my wife and I did not budget for such a large obligation as we were unaware that we needed to set aside extra money throughout the year due to the Wells Fargo mistake.

Been with Wells Fargo for 20 years. Had some financial upset. Asked to use some of our equity (over $100k) to pay our debt. They turned us down! My husband is a 26 yr veteran and they could care less! They are a customer no service bank. We are in the process of looking for another.

We have to constantly monitor our statements for our mortgage because they charge late fees when our payment is NOT late. They don't credit our payment on time that it's made and they purposely make it impossible to make the mortgage payment on time within 48 hours of the due day, requiring us to go to the Bank in person to make the payment. The customer service has failed to make sure that we are not charged excess fees that are NOT due and we continually have to call to make them reverse charges that don't apply.

WF is the epitome of greed. You'd be wise to stay clear of this bank. No matter what they try to market themselves as, the bottom line is they simply want to take your money with as little effort required. Do not be fooled!

Wells Fargo sold our mortgage after many years to some lousy fly by company that only looks for faults or lates to make money. They didn't give us prior notice and send us two emails every day for mortgage and loan deals after dumping us! Don't even give option to opt out of emails! Called local branch. If emails do not stop will seek legal assistance. They are creeps.

Paid for an appraisal to have my PMI removed as I know I had met the threshold with my property value increase as well as paying down my mortgage for the past 5 years. The Wells Fargo broker that came out to do the appraisal was here less than 5 minutes, refused to speak with me as he said he could get what he needed online. Well, the final report for my property was 1200 sq ft short and did not include a second full kitchen and bath and another bedroom. When I complained they told me they stand by the original appraisal despite the fact that the data on my property was 100% incorrect and shortchanged me 1200 sq ft of livable and heated living space. They care nothing about their customers, they only care about public perception.

The first bank the mortgage was with was New Century, then Countrywide took it over. Then Wells Fargo took it, right under my nose, no notice to say they were servicing the mortgage until I got the foreclosure notice. That was in 2012. I applied more than 6x for a modification, and never received one answer. I got more notices to apply for a modification AFTER I sent the necessary paperwork FOR a modification. No answer to my application, Not one!

Wells Fargo is a joke and don't waste your time. I have been with Wells Fargo for 25 years with significant deposits with 2 previous Home Mortgages. I never missed a payment, never bounced a check and was a very reliable customer. My wife and I found our dream home that we wished to settle in for the rest of our lives and only naturally went to "My Bank" to get a loan and hopefully treated well. In the start, everything looks so promising including favourable rates and loan fees.

In 2001 we got a open line of credit through Wells Fargo Financial, in 2006 it was paid off completely. Not once in 13 years did we ever get a statement in the mail about this account, when we tried to refinance this came up as a lien against our home even though it's been paid off. We have been fighting this for over 2 months to get a single piece of paper to close this account. I have hated Wells Fargo since 2001 when we first did this, I will hate Wells Fargo for the rest of my life because they suck!!!!

While visiting family in Florida 800 miles from home my husband became unexpectedly ill and died. This resulted in a major decrease in income. He has insurance but I am unable to get home for 2 months to get to the policy. I called to ask for a 4 month extension to be added to the end of the loan. We have owned the home for 10 years - never been late on a payment - have actually paid extra on the principal and have an excellent credit score. I have $150k in equity. I was given several options including 2 with deferred payment but then have to pay the full 4 months at the end of those months or a refinance program I probably wouldn’t qualify for. I did not want anything more than a few months to grieve get the insurance money and get back on my feet.

Object: Refinance investment property with Wells Fargo held Mortgage... 20 years remaining at 6.5% into a 15 year mortgage at 4.75%. My experience: Fifty six days of insatiable demand for financials already provided and/or readily available through review of my business and personal checking accounts. Their Underwriting Writers could not comprehend basic accounting principles. Example "Verify in writing where your $30,000 deposit to a mutual fund came." Answer: "Look at my Wells Fargo Business Account (with balance of $400,00); then look at transfer to my Wells Fargo Personal Account; then look at auto transfer from my Wells Fargo Personal account into my mutual fund Account." And on, and on, and on for 55 days... On day 56 I said, "Enough. Cancel my application." P.S. Chase qualified me in 72 hours, closed three weeks later.

I am self-employed, Great credit score (almost 800), at least 200k equity in my home & my business makes decent money. Been a customer with Wells Fargo for over 22 years. NEVER been late on a payment. Always paid more than the payment amount. Sounds good so far? Recently I asked Wells Fargo to pull 50k out of my home. They asked me to pay for an appraisal & credit check to the sum of $505.00. After all that, I receive a call from Wells Fargo today telling me that the underwriter would like for me to pay off a couple of bills in order to continue with the loan.

After I lost my job due to the company filing bankruptcy, I applied for mortgage assistance with Wells Fargo. They offered me reduced payments for 6 months. During the 6 months they continued to report negatively on my credit report and held each payment in suspense until a full payment was made. During this time, and even though they were showing a past due amount, I felt everything was being done on an ethical basis. At the end of the “mortgage assistance”, I asked to extend the reduced payments as things were getting better for my family and me but we weren’t back to our original income.

As I prepare to write this the box asks to keep things factual. FACT: Mortgage Paid off in Full 1/9/19. FACT: WF Continues to Draft Account 1/15/19. Told by representative refund would come within 5 business days. FACT: ON Call #5 no refund as of 2/13/19. FACT: NO HELP at all - Even give exec Complaint Case # ** and PH# 800-853-8516. FACT: Was told someone will call back within 24 hours. Called back following day. Was told no case # exists and number given was to a home mortgage dept. FACT: Tired of the runarounds- main reason I chose to close this mortgage. Been on the line for some time now on hold. Long enough to find this website and write this review.

Updated on 03/05/2019: After receiving a prompt reply to my previous Consumer complaint, I was hopeful for a resolution. Emails and phone calls asking me to let them look into this. I received a letter dated the day of the phone call denying again help with the mortgage. So, while they were talking to me about help, they had already mailed out a letter of denial. This is about as low as you can go. Not only did they deny help they lied about receiving paperwork from me that supported their reason for denial. I now know what my next step will be. Have to check a star in order to post.

I have a mortgage through Wells Fargo. I have an Escrow account set up with them because it is required for "convenience". I checked my account on Feb 5, 2019 to make sure my insurance had been paid because they had failed to do so in December 2018. They paid my homeowners policy but not the windstorm and lied to me and told me it was because they didn't get an invoice (same insurance company for both policies). I had to call my insurance company, whom has never failed to send an invoice in the past 9 years, and get them to reinstate my policy and get Wells Fargo to call them (escrow's entire purpose is to avoid this). I went to check my account on Feb 5, 2019 to make sure all payments had been made because apparently I have to do their jobs as well.

My wife and I have been with WF for 10 years and last year fell on hard times after losing both of our parents. After falling behind on our mortgage we were told that we could have asked for a forbearance months later. We began to go through the foreclosure process and was sent back funds in the form of a check from payments we were making. We reached out to the company to have our mortgage restructured and were continuing to make payments as planned. We never heard back from the agent and our plan had seemed to be removed. After speaking with another representative several weeks later, we were promised that they will be with us "every step of the way", we received a notification in the mail that we are now in foreclosure again.

An employee lied to me about 2 products. He convinced me it would help me but it turned out to be a lie. I lost my home. They’re still stopping me for going to court to show the truth. It should be a way for them not to get a star.