Wells Fargo Mortgage Reviews

The person we spoke with that time told us he would submit the request. Ten days later, still nothing and the request was pending. A week later, we're told a check went out on the Thursday. We expected to receive in the mail by Tuesday. Today is Wednesday and I called to get the status. I was told the "physical" check was cut on Friday. It is never easy with Wells Fargo Home Mortgage. Today's call with them took 54:20 minutes. I remember when lenders did their best to keep homeowners in the homes. Wells Fargo is all about the dollar. We are looking forward to taking out loan elsewhere.

Within three weeks after this incident we began receiving "zero balance" notices, and account service charges against the accounts that were supposed to be closed due to WF accepting a $10 charge from our insurance provider due to them incorrectly billing WF instead of our other bank. Total charges now stand at over $75.

Upon calling WF "Customer Care" specialists it was demanded that we pay all charges in full. The first clown (Customer Care Specialist?) we spoke to went so far as to threaten our credit rating (800+) if we did not reconcile. The second clown stated they would open a case and audit all phone calls we had with the bank to ensure that we were telling the truth regarding the request to close the accounts (account balance was zero balance as soon as we settled the entire HELOC pay-off mess that WF caused).

When I insisted on being able to hear the calls from which they would make their judgement, I was told I would have to seek a subpoena through my attorney. I hope WF is able to listen to these calls. This institution is known to have issues with inflating performance numbers, whether opening or closing accounts and charging fees in an effort to rip off unsuspecting clients. Do not do business with this company, they are inept, unprofessional and unethical.

I do not trust this Bank as they have a 6 billion judgement against them, and have added unnecessary costs to thousands of customers and set up bogus accounts. I would like your agency to help me out. Bank has even admitted to ignoring a court order. I would like to be compensated for them insisting I pay duplicate closing costs over 17k, plus my out of pocket attorney fees aND undue emotions, distress, delay and damages. My husband was near death from brain cancer at time of settlement and died a few months later. I am also concerned they are charging me extra fees on my mortgage statement. Please help me to join in a lawsuit.

Given our property is in a flood zone, we're required to have flood insurance. Wells sent my wife and I a letter stating and we promptly sent details on our active flood policy to their department. We proceeded to get 4 phone calls asking for us to send the policy and was sent to their group again and again. The supposedly "never received it" and then proceeded to write a policy through their own company since they said we did not have coverage. Although we did everything right and had coverage, we had to fight to not pay for "their policy" and deal with constant back and forth with poor customer service.

Secondly, the Wells Fargo Mortgage Consultants lie. Given our property went up in value, we were trying to remove our PMI since our LTV ratio was high enough to remove the PMI. After consulting with a Wells employee, my wife and I spent $575 to get an appraisal done. The appraisal was even higher than expected and LTV ratio was better than we thought. After the fact, Wells sales our mortgage has been sold again and now we need to show proof of structural improvements of $46,000 to remove our PMI. The appraisal company is affiliated with Wells and they get a piece of the appraisal fee. A classic bait and switch. Although we disputed the denial of our PMI, Wells did not help and just took the $575 fee as a result. These are just two of the poor experiences with Wells. Wells has a really bad reputation in the past, but their poor service and shady tactics continue into 2018. Avoid this firm at all costs for your mortgage or any financial matters.

The parties agreed that over $101,000 had been frauded by charging excess interest over contract, and Wells admitted gratuitously that they were doing the same thing to at least 1 M adjustable rate holders ("it was nothing personal"). The case was set for settlement until a Wells executive called me to cancel it. Reason: Congress deregulated national banks, which Wells interpreted to mean that because there was no one there to enforce the law that contract and consumer law no longer applied to mortgage contracts. So: Sorry for your loss.

I think of this as Wells' excess interest charge fraud. There is a second type which I think of as the principal to interest fraud in which Wells diverts monies that should go to principal to interest. Example: I noticed that principal owed on my Home Equity loan was obviously too high. I called Wells many times. They would not discuss it. I filed a complaint with the OCC, which used to regulate Wells. The OCC found against Wells in the amount of $10,023 if my math is correct. I discovered a similar fraud on my first mortgage which I estimated at $47,000.

Since Wells is no longer regulated by the OCC and no one in government arbitrates disputes with Wells, the bank is free to take as much money as they want. When I asked Wells for a 30 year amortization schedule to check my math, Wells gave me a fax # to make a written request. I then called after I did not receive the schedule, and I was told: "Wells Fargo is not required by law to supply this information to its customers." That was in December 2017. Unlike the settlement via the OCC, Wells continues to take as much money on my first mortgage as it wants each month. I also tried the BBB which, I was told, refuses to arbitrate Wells cases anymore. Wells is no longer a BBB member last I checked. Despite its pledge in its national tv advertising to "turn over a new leaf" in 2018 and not fraud its customers as it had.

Extortion: A lady (name withheld) from Wells told me and a consumer affairs witness that I was $55,000 behind in my payments (15) and would I like to pay that by check or credit card? All the payments were made in full and on time. Copies of the receipts and fronts and backs of the checks were tendered to Wells. Whether Wells will sell my house unannounced remains undetermined.

Summary: Wells has frauded and tried to extort me for $261,000 (approximate) through several mortgage fraud schemes. $10,023 from this total was recovered for me by the OCC, which was later eliminated by Wells as a bank regulator through congressional action. Customers will now have to download 30 year amortization schedules from the net to determine whether Wells has been diverting their principal payments to interest. [yes, I have a copy of the OCC settlement on Wells stationary]. Wells executives told me directly they were doing 'excess interest' charges on all adjustable rate mortgage customers. They laughed and told me it would be too much trouble to single me out for extra interest payments as an individual customer. They thought that was a good joke -- that it was 'just me'.

In Feb of 2016, I didn't make a payment. (Didn't remember it either.) When they would call and ask me about it, I had just made a payment. Each payment they would say, "You made a late payment." No, I made it. When they would call I would ask them when was the payment missed, anyway they never to tell me so all this time they have charged me with late fee on every payment, even when I started making 1000. dollars, they would call but couldn't tell when I missed a payment. I have asked for 3 home modification loan, all have been turned down. One, I made too much money, two, I didn't make enough money, and the third was my house was only worth 32 thousand dollars and my land was only worth 1400 dollars. This is just about the worse company I have ever seen, they have taken advantage of people and still doing it.

When I called Heidi ** with customer recovery she agreed that the monetary loss was WF fault and said they could send me a check... A few days go by... A week goes by and she says can't make it happen. I told them this is the difference between me using WF and being an unsatisfied customer. They were okay with that. Honestly do whatever you can to avoid using WF for your investment mortgage. They will make the process incredibly difficult and cost you money in the long run. I wish I could give 0 stars but 1 is as low as I can go. Completely unsatisfied.

No one seems to be able to explain why the bank cannot handle the transaction, nor can anyone explain why they are unable to provide a timeline for the funds that are owed us... outside of the mortgage payoff. The fire has been devastating to my family, the customer service at Wells Fargo is abysmal and has only served to increase the stress and frustration involving this situation. The fact that they don't want to take the payoff directly means that we will still have to make payments on a house that does not exist... and any time they have our insurance money in their bank will earn them interest.

I asked WFHM to release the escrow requirement and they have refused. WFHM told me they "HAD to require an escrow account", when in fact my contract states they "CAN" implement an escrow account. So why are they doing this? There is NO REASON other than they want to hold my money and make money for themselves. I am an excellent customer with excellent credit, no debt, and have only missed the tax deadline once in my entire life. What is their problem? Beware all - stay away from WFHM - they are crooked and don't care about their customers, only their $$.

After checking my credit a year later, I discovered they in fact HAD notified the credit bureaus and I had months and months of late mortgage payments noted on my credit. We ALWAYS pay our bills on time. Needless to say I was furious. I called the Mortgage customer service and explained my extreme distaste for the severe misinformation I had been told. I was told to file a complaint, so they could look into it further. Several weeks went by and I received a letter stating there was no misinformation given, and they would not be retracting the negative filings to the credit bureaus.

Needless to say, our mortgage is no longer with Wells Fargo. We are so thankful to no longer be affiliated with a bank who could not care any less about its customers. If anyone out there is using Wells Fargo for any of their banking needs, I advise you find somewhere else to handle your money. Wells Fargo CANNOT be trusted.

We had paid cash for all the land improvements, sewer, electric and phone lines, well and tanks. But they wouldn't approve the appraisal value. First it was $25,000 then it was another $25,000 then 75,000 again and again we took money out of our 401k to get the loan approved, each time they said it was approved then it wasn't. Meanwhile our original 5 year loan was up and going into foreclosure. Finally after 8 months of reducing our retirement accounts to nothing our loan was finalized in January 2012. Relief and joy only till the next day when we went to file our taxes for 2011.

All the fees and loan charges were paid in 2011, not to mention the fines and interest on the 401k withdrawals, but we couldn't claim them till 2012, so our income from the withdrawals were taxed without being able to use the offsets for the fees charged by Wells Fargo. Now there are government subsidies and such for those that lost their house during this period. We hung onto our home protecting our investment while losing our retirement and there seems to be no reimbursement or anything for us, and our property value is still half the amount of cash invested into the property while our loan is still 211,000. Wells Fargo knew what was going on but only led us to believe that our loan would go through week after week, month after month for over 6 months. Is there any way to get justice for this???

I am on kind of a timeline to get the transaction complete in order to make it work and they knew this from the first day we spoke. They still feel that it is okay to take weeks to get back to me and then when they do they ALWAYS tell me there is nothing they can do. This to me is unfair because they just wasted weeks of time that I could have been working with a different company that might have taken me more seriously. I think these people feel that I am a joke. That I am just someone trying to accomplish the out of reach, well they are wrong!!! And if they would take the time to see me as important as all the other higher income customers they would know. I feel that I have been treated so poorly that I will NEVER use Wells Fargo again and I will be sure that everyone I talk to knows what these two people and Wells Fargo have put me through over the last year.

I called and spoke to a Wells Fargo supervisor - who repeatedly lied to me about the problem that Wells Fargo initiated and caused. I believe they had a system problem (again!!) and are trying to cover it up (and not being truthful about it). Who knows what damage their incompetence will cause me down the line. I fear that the mortgage payments I made recently will now be deemed 'late' by Wells Fargo in order to charge me a late fee and/or to damage my credit report. NOBODY should EVER do business with this company. They are dishonest, incompetent, not forthcoming, and DO NOT give a darn about their customers. Their online banking systems are archaic and fail repeatedly. I don't know of any other banks that has the problems/issues that Wells Fargo has.

I can only hope that if they really do this as the letter states that the 3 CRA see it for what it is something that is so old and that it has been posted one time already and they will not post it again. It had fallen off last year and because of that I was able to buy my new home. I am livid at this point and currently seeking attorney input. If anyone here has had this happen to them please reach out on this site and let me know ASAP.

Back in 2005 I filed a bankruptcy and then the short sale in 2011 my credit was a hot mess. I watch my credit report so closely and with due diligence I have worked my way back from the hot mess to my score now well over 725. I just bought a new home... Why are they trying to ruin my life again. Why are they even harassing me with this? When I moved I shredded all the old credit reports I had thinking, "Oh everything is good ". Well clearly Wells is in so much trouble with the law right now. They are trying to ruin others lives. No way to get archived reports from those 3 big CRA. I just don't know what to do now. I was so happy with my new life until yesterday... I HATE them. Help.

It was not until the delinquency on my mortgage account got unmanageable (including interest) DID Wells Fargo get busy trying to "foreclose" on my home. Wells Fargo has exercised every deceptive scheme known in the industry to try to steal my property. I had to file bankruptcy to stave them off. They still have not ceased or desisted their harassment and intimidation of me. I pay my monthly mortgage bill each month at one of its banking facilities and I always discuss the required payment amount with the teller. The teller always asked where DID I want the excess amount of the payment credited. This went on until I had $6000 in surplus on my mortgage statement. I then stopped paying the excess over what I was told the monthly billing was by their representative.

I am now being told that I am $6000, plus behind, because the teller is allegedly working off data from 2015 (3 years ago). I have submitted copies of all payments to my attorney and a copy of the online payment history Wells Fargo generates and provides me. I never requested a mortgage from Wells Fargo. Like so many others my loan was sold to them by World Savings/Wachovia.

I certainly would strenuously discourage anyone from initiating a mortgage loan with Wells Fargo. This lender makes life extremely difficult here on earth. Many of my senior friends have been forced to sell their homes of many years to avoid foreclosure sales prompted by this predatory lender. I understand that I have been forced into a new 30 year mortgage with an interest rate of 6.4 per cent. I had half this period left to pay on the loan Wells Fargo purchased with a much lower interest rate.

I told them it’s not my Responsibility to monitor the post office for Wells Fargo. What they were saying made absolutely no sense to me. This is the second time this has happened and I have to end up putting a stop payment on the check incurring a $35 fee and then re-send in my payment via email. To me this is a deceitful practice. When I mail my payment in a self closed envelope with the PO Box it should be mailed directly to them and have nothing to do with the post office scanning in the envelope to notified Wells Fargo that I mailed my payment. I am fortunate that I get to check my balance in my bank account regularly to check to see if my checks have cleared. If not I would be put into default for late payments and affect my credit report.

To me this is a very deceptive practice in one that needs to be addressed with Wells Fargo. I would look to be change my mortgage broker company. Shame on them. The supervisor then said that if there was a problem with that then I should be bank of my payments online. Perhaps I don’t want to make my payments online. They also said that they haven’t received a skiing in the last year from the post office that I’ve been sending in my payments although they have all the payments posted so it didn’t make sense at all. Beware.

No matter how many phone calls I make to get this cleared up or why my terms of my original loans are no longer valid, I get a dropped call with that person not calling back or the call is transferred to a supervisor who also "drops" the call. Yesterday I called the WFHM 9 times. Each time I actually got though the telephone tree I would end up with a different person. I would ask, "Please take my phone number and call me back if this call gets disconnected" so I don't have to start with a new person. Of course that didn't work.

I finally went to the local WF branch and they sent me to another location in town. I met with a WFHM advisor who said my loan was past the 15 year time frame for only adjusting annually so it would be adjusting up every month. I asked what happened to the original mortgage called "pick a Pay" where I had the option to pay for 15 year, a 30 year, or interest only. He called someone who was supposed to call back. I waited 45 minutes in his office for that call. In chatting while waiting he suggested I refinance. I told him I would not qualify since I am now retired with lower income and then he asked if I was "sitting on a pile of money". I told him I have about $300.00 in the WF checking.

Finally the phone call came only to say the call had been directed to another person (supervisor) and that person was not going to call back right away. The guy in the office said I should leave and he would call me the next day at 2:30pm to give me the information. Of course he didn't call even to say they were still researching so I'll need to start the process all over again next week. In the meantime, my mortgage rates will escalate from 3.125 to 12% tied to LIBOR while WF is (supposedly) reviewing my original loans to see why the terms were changed by WF.

Then... When Wells 1st bought my 2nd home loan my ex-husband was listed on statements. I called them asking why is my ex back on my statements as my 2004 divorce court order he is removed & I am making the payments. I sent the other bank all that was needed to remove him & they did. Wells told me they don't recognize court orders so he is on contract so on the loan but they will note the account that the loan is my responsibility & I am paying the loan. Then when my ex filed bankrupt in 2016 as Wells Fargo was reporting my loan on his credit report so he included in his bankrupt. Wells then turned off my direct payments & refuse my payments because of my ex, Wells said if I want to keep the loan & pay on it I had to sign reconcile after bankrupt forms & they will be changing my interest rate to some crazy amount that would make my payment so high I would not be able to afford.

I was not the one that filed bankrupt so why should I be penalized & he was suppose to be removed. I quickly found mortgage company to refinance to get away from Wells Fargo. Bad news my refinanced loan recently was sold & bought by Wells Fargo again- I am so stressed as I have already had issue with setting up direct payments, took me 3 months to get it done. Stay away from Wells Fargo.

On April 6th, I still had not been contacted. I called Wells Fargo back and they forwarded me to their "Executive" department. I spoke to Nick ** for almost an hour. He said that he was also puzzled as to why this happened. However, he failed to remedy the problem. He said that this will be researched and he would call me back ASAP.

On April 10th, I called Wells Fargo back and talked again to Mr. **. Mr. ** told me (again) that he didn't know why this had happened but they are continuing to research it. I told him that this was unacceptable. I have other bills to pay with money that was ILLEGALLY removed from my bank account. He must have told me ten times, "I cannot tell you why this happened". I found this wording extremely suspicious. I asked him, "Does that mean that you don't know, or does it mean that somebody told you that you can’t tell me?" He repeated the phrase again and again. "I can’t tell you why."

I contacted another Wells Fargo representative on April 17th. She gave me the same answer that Nick ** gave me. "It was being researched and it normally takes five to seven days". I told her that it had already been 13 days. She put me through to Nick **. I was put on hold for several minutes and I got tired of waiting so I hung up the phone. It is now April 18th and I still have no answer.

Apart from the high handed method Wells Fargo uses when ripping off its customers one has to spend hours on the phone and write letters in order for them to do the job they are supposed to do. Take my money and apply it correctly!!! Wells Fargo is a corrupt organization and for all of the flowery language they DO NOT provide "exceptional" service. They actively seek to ruin your credit rating, take your money, apply it incorrectly and ignore their customers unless you come at them with a sledgehammer.

I went through a VERY lengthy process trying to reverse this decision, paperwork upon more paperwork, resubmitting things, and they always wanted one more document, one more bank statement, one more intrusion into my finances, as if they needed to know every little detail about my financial life to give me a couple of months relief on my mortgage. Absolutely horrible. I will never work with Wells Fargo again, or encourage any of my friends too. They are crooks, taking advantage of the fact that most folks won't do anything about it and just end up coughing up the dough one way or another.

Eventually Wells took 2.5 weeks beyond the 30 day close period, to approve the loan. In the end Wells transferred me to a loan with a higher interest rate than what was promised originally as well as increased my down payment from 20% to 25%. I asked them to cover the seller's PITI since it was their fault for the delay (requesting documents last minute when they could have started this process the first week of escrow), but they refused to do so. I had put in my notice for the rental place and had to vacate before I could move into my place I bought. I had to pay for movers twice, once to take all my stuff from rental to storage, and then from storage to new place. I had to crash on a friend's couch for 2.5 weeks while waiting for Wells to approve my loan. I would highly not recommend a bank that is slow on due diligence and not willing to accept responsibility for their own mistakes!

Wells Fargo finally sent me the disclosure document at 6:00 PM three days prior to closing, and they didn't adjust the final mortgage to 20% of the total cost - they'd stayed with the original estimate and told me I needed to bring an additional $11,000+ to the closing! Technically they met their federally mandated requirement to provide the disclosure 3 days before closing, but since it was really after 5:00 eastern time, and certainly not 72 hours prior to my closing, I believe they missed the date. Because they have this requirement the only way to correct it was to change my closing date. So I get to pay for hotel rooms for a few days or weeks while they fix their issues. I'd asked them if I could continue with the closing and if they could immediately do a refinance to get it down to the proper mortgage price. They said they'd look into that, but ultimately - over a month later - said no. Then my attorney never received the closing documents.

I started calling Wells Fargo at 5:00 PM the night before our scheduled closing and finally got someone to answer a call when I reached the Senior VP of Mortgages administrator. My attorney finally received the documents at 6:30 that night, and the next day we found out the names were wrong on the documents. We waited at the closing another hour for them to resend them 2-3 times before they got it right. Every single thing Wells Fargo did was at the last possible moment, and every single thing was done wrong. Every single thing. Without exception. I received a call back from their "Executive Resolution Specialist - Kelli **. She said she'd look into the issue and get back to me. I finally received a letter dated 2/26 - and even THAT was sent on the last possible date she had committed to send it.

She said that Wells Fargo had done nothing wrong, and that "As you chose to move forward with the loan as it was presented to you with the original loan amount, we respectfully deny your request for a no cost refinance at the original 80% amount of purchase price." Seriously - How many weeks would I have been paying for a hotel if I waited for Wells Fargo to fix this? So Wells Fargo chose to lose a customer of 30 years rather than correct a problem that they created. I am in the process of closing all my accounts with Wells Fargo. Thankfully they sold the mortgage to Fannie May, so I can leave that alone. Do yourself a favor - avoid Wells Fargo at all costs.

Upon contacting the said department, I was asked to go through a Loan relief assistance process. Contrary to the offer mentioned in the above letter, they sent me a denial letter and suggest that I should go through a short sale process. I have stopped payments only due to banks repeated over the phone acceptance that it is OK to stop payments until a decision is made. I am now behind with over 90 days payments. I am very disappointed with Wells Fargo as it is very clear that they are misguiding their customers where something is offered and asking to qualify and then deny. As mentioned by another WF mortgage customer in Florida, it seems they have no intention of extending relief for people who were in recent Hurricane affected areas it seems.

I also was sent forclosure papers and was told they accidentally got generated. Wells Fargo home mortgage never followed through with ANYTHING they said. I’m contacting the local media and all social to tell how they never had any intention of helping. I wonder if the federal government would like to know how Wells Fargo did not follow their guidelines??? Guess they will be on my contact list too! NEVER EVER TRUST WELLS FARGO MORTGAGE.

All because we took their offer for relief due to the Hurricane. We have jumped through hoops to get every contractor paid and NO ONE wants to work for you when they find out WF is involved because they dont pay for one reason or another! These people lie every time you talk to them! My husband told them after they gave their spiel about recording the conversation that he was going to record the conversation too! They refused to continue talking to him.

What does that tell ya! Here we are 4 months after the hurricane. We have been paid by our insurance company and WF has our money and drawing interest off it and we can't get them to pay a $300.00 bill and we still have a destroyed sliding glass door and a torn down deck because they want to fight us over every dime. I will refinance ASAP. This company is absolutely the Devil! If someone says "lets use WF" slap them and RUN RUN FAST AND FAR!!! I'm 52 years old and very healthy, these people have stressed me to the point I have shingles from stress. Believe every awful story you read.

Never called me back and when I called for the second time the person had left for the day. Of course it’s leave early Friday. I have never experienced such horrible customer service. I would not recommend Wells Fargo to anyone. I am going to refinance my house, close my accounts and get the heck out of Wells Fargo. I have been a customer for more than 15 years and truly can't believe the way I have been treated and lied to.

Updated on 01/26/2018: Part 2... I have been calling Wells Fargo over the past few months trying to get my escrow account removed. I have had my mortgage with Wells Fargo for 11 years and one day I received a letter stating my payment was going up by 500 a month. My guess I have called close to 15 times and no one can help. I have been referred to the executive group the help me. I truly don't believe they exist. I call, and call and call and I all I get is the same answer. Someone will call you back. Wish I knew who this someone was. I am going to keep writing on every complaint website until this is resolved. I would not recommend Wells Fargo to my worst enemy. What a joke.

I needed to go to the Courthouse with my husband and prove that I was entitled to his assets, what being married for 26 years didn't mean anything!! Wells Fargo mortgage proceeded to advise myself at this time that they could no longer have any conversation with regards to the Mortgage and they were going to begin with the foreclosure process as of 10/2006!!! Our children and myself had to vacate the premises as of 11/2006, needless to say I've been homeless on and off since that time! We purchased our new house for $96,900. They sold for $180,600 and on the record it shows that the amount sold went into and out of my name three times??? Robbery...

Guess what in December... about the 10th I get a call saying the three months missed needed to be paid. I told them what was said and they said that they said it would be due on the 1st all three months. Of course I do not have it...I live on Social Security. They gave me until Feb. to come up with $3902.64 as they have already sent papers for foreclosure and sent me paperwork to save my house!! I want away from them and have been asking everyone for a loan (my daughter and I can pay back the money). In July we want to refinance with a Credit Union... just have to get Credit Cards back down (used for repairs) and credit score up!! I am 70 years old and so upset writing this. PLEASE. PLEASE. PLEASE. PEOPLE DO NOT USE WELLS FARGO. Ours was sold to them from another small broker. Never knew until it was done!!

Of course, we are forced to request a new payoff in 4 business days so now we are looking at ADDITIONAL INTEREST for today, SAT, SUN and 4 days next week = another 7 days profit for Wells Fargo. What should have been a wonderful, happy experience has now become ANOTHER slap in the face from this horrible institution. I cannot express how much I dislike using this disgusting business who continues to prey on their customers. I will spend the "next 4 business days" spreading as much bad publicity as possible through social media, word of mouth and calls to the local tv stations.

I accepted it and was told by Susan ** that the 5300.00 check would be returned. Well I still haven't got that check back. I made my first payment and then have gotten 3 different statements this month saying I owe 1800.00 (payments). I told the girl that I was on the plan and I was to get the check back. The check was being held as unapplied funds. So now I'm going to the top. Every time I call I get different answers from different people. I have had it. It's like they want me to lose my home so I am going to CORPORATE and the news media. I have read too many problems with this bank that it's unfair that they jerks us around and we cannot do anything to stop them. Hopefully an attorney would want to take this on pro bono. We all need to be the squeaky wheel and not take this from this crooked bank.

Our homeowners insurance has gone up to $626 a month and taxes are around $2860 a year. How can they be that short on funds that we have paid month after month and while there have been $12 to $20 dollar monthly increases in the past ten years, never to the amount as they are claiming this year. We have no money to fight this. Their solution is, to name a few ideas, refinancing our home, or a short sale of the property. Seems to us that what Wells Fargo wants is to eliminate us as their customers. To go any further into debt, their suggestions would not have any help in this matter. As it is, we do have the home for sale, as we can no longer afford to maintain it. What can we possibly do here? Thank You.

This makes absolutely no sense to me. My experience at Wells-Fargo is that they are all smiles and cheerful until you ask to cash a check. Previously, I had asked to cash a US Department of Treasury check at the time I was making my monthly mortgage payment. They refused to cash the check that time as well. The total US Government check was a whopping $13.49. Wow! I am not a banker nor do I know all the "rules" of banking but this check cashing policy seems extremely ridiculous to me.

I will put in a plug for Credit Unions here. I traveled a quarter of a mile down the street to a local Credit Union branch and they were more than happy to cash the Government check for $13.49. They were extremely nice and never questioned the check. Guess where I now have an account for saving and checking? The Credit Union of course! By the way, the money I was going to pay on my mortgage is now in my Credit Union savings account.

With all the news about Wells-Fargo lately and their shady business practices along with what I consider extremely poor customer service, maybe everyone should consider doing their banking at either a local Credit Union or at least another bank. I highly recommend you doing so. I also have an account with a large regional bank and they do much better with customer service than Wells-Fargo although not as good as the Credit Union. One final note. I did not get my mortgage from Wells-Fargo but from another regional bank, because of their low interest rate, who then "sold" the loan to Wells-Fargo. I am not well pleased with this banking practice either.

Addressed to: Dear Occupant. I called the realtor assigned to me and asked why he was involved? He told me I no longer am the owner of my property. I called and verified this information with the Court. My house was sold on November 8, 2017. I had never received a letter from Wells Fargo or anyone from Home Preservation. I then contacted them and they didn't even realize what had happened. They said there were expecting to have me an answer within days. They had no idea this had taken place.

So I contacted "The Reinstatement Program" NY a loan modification company working to resolve my case to see what actions I could take. He was caught off-guard and completely unaware of my home selling. He informed me we need to continue paying mortgage payments through them as my Broker of Good Will. I guess he thought I'd feel comfortable with this arrangement since I no longer owned the property. He was right. I didn't feel comfortable and thought he should have advised me of the sale date. I believe they just move files around the desk and some end up in the trash. They do the basic paperwork anyone can do with a little understanding. There is fraud on both fronts and it's a $$$ Pit & Racket...

I reached out to the Consumer Financial Protection Bureau and filed a complaint on Wells Fargo this past Wed. the 6th. Wells Fargo contacted me today from the Consumer Affairs Division and told me they once again were researching my complaint but couldn't promise me a good outcome. Well for now we may be safe but eviction is around the corner. I'm 63, wife 62 and our 19 yr old who has had disabling seizure activity for the past 7 years. We would like to know if there is anything else we can do or an Government agency without calling the Trump White House to get anything done. I know there is never a good time to lose your home. Please let me know if anyone has an answer to my situation.

Well Wells Fargo denied me the loan stating my property wasn't being used to most efficient value. That they couldn't loan to me because they would not be able to resale loan? My single family house is located on 4.75 ac!! Not subdivided. Can't be subdivided as is as now. But Wells Fargo said it's a unsaleable loan because my 4.75 ac lot can be subdivided in the future if someone wanted to finish the development process. Seriously it makes no sense!! My property is worth triple of what my loan amount was for. Please don't go through Wells Fargo. Then they wouldn't show me the appraisal I paid 525.00 for. Won't give it to me and haven't reimbursed me my appraisal fee. That they advertise, "If we for any reason don't loan to you. We will reimburse your appraisal fee."

After downloading to loan tracker, the Wells Fargo employee would ask for document again - it was maddening. Then the actual closing, after waiting for over a week, and emailing 3 different times, finally someone called and said, they were sorry but our "closing person" was out of the office. They would call us at a later time for the closing - we had to email again after several weeks to get the closing set. As soon as closing time was set, the "closing person" called and wanted to set up our closing. Absolutely crazy. Please go somewhere else for your mortgage needs, this is just a small example of the unprofessional attitudes of the people we dealt with at Wells Fargo. Obviously Wells Fargo did not act like they needed our business and most certainly did not appreciate it.

When it came to crunch time despite my constantly reaffirming my requirements they stalled and stalled and stalled. After closing escrow on my California home it took them 10 days to finally fund the new loan with as I said over 50% down payment. This left me in limbo and on the road and in storage for 5 days after leaving California. They will cite they followed all the rules imposed on them by regulations, but I consistently and constantly asked them to make sure they didn't leave me in limbo and they lied. Don't ever use Wells Fargo Mortgage unless you have the luxury of waiting weeks until they fund your loan after closing on a sale.

My husband told W/F that this was extortion; W/F never gave us a good logical reason why they needed 50K dollars more from us. Now we are 2 years later, and they apparently screwed up our escrow. They told us that our mortgage would be going up $400 per month until the mess up was remediated; they said that our mortgage would go down again once the escrow was in good standing. But this did not happen. Now, they are telling us that our payment will be an additional $400, that is $800 more than or original payment!! No one we talk to at W/F can give us any explanation that makes sense. Is anyone out there having a similar situation??? Can anyone recommend a good attorney in the Frenchtown NJ area???

They tried 3 times to foreclose on our house, charged us additional late fees, processing fees, attorney's fees, and added next months payment to the foreclosure notice even though that payment wasn't due for another 20 days. On top of that during the so called modification they said the foreclosure would be held until decision was made and that was clearly a lie on our third attempt to avoid foreclosure... If I didn't have a money back up they would have back doored foreclosed on our house without telling us. Now I am 4 payments behind, sent in 2 of the 4 payments and two more by end of month to fully paid up...

Now they are not cashing my checks, they are going to send them back, and play the game of foreclosure again... Make me pay fees, on top of more fees, on top of inside attorney's fees for what. They preach "We are here to help... It's just a phone call away." **... Lies... **... If they really cared they cash the two checks wait 2 weeks for the other two checks and be paid up and be done with it... But no, this is what they do, they lie, they cheat, they steal, they rob, they are rude, insincere, they don't stand by "We are here to help"... I been trying for 9 years...

Someone told me to sue them, file bankruptcy and have the courts make them change the terms... I think it would be less costly and a less hassle if they would work with the customer. But I am going to see another attorney this week to proceed with a lawsuit. This unfair practice has to stop and Wells Fargo needs to pay for its unfair treatment of its loan holders. I'm not the only person who has been dealt a horrible deal with this company... It needs to stop. I'm writing this on behalf of my elderly father, I handle his affairs with this company.

However, she is low-income, and doesn't qualify for the complete funds needed to purchase her current home on her own income. After researching various options, we were told by Wells Fargo I can purchase the home for a low interest rate, low downpayment and monthly payments if I could live in the home. After 45+ days of submitting the same documents repeatedly, we were finally informed that I was denied because Wells Fargo underwriters were "unable to verify (current) residence." Wells Fargo originally requested to verify that I wasn't currently living at the home, which I provided evidence (tax records, employment location in the Bay Area, a written and signed statement).

During a phone recorded verbal denial, I was told that Wells Fargo wanted me to use an investment loan for the home, which would have a higher interest rate, a larger down payment and higher monthly payments, something my family could never afford. I am concerned about this for a few reasons. First, the home is in a predominantly low-income Latino neighborhood AND we are working class **. Although I have excellent credit (e.g - high credit score, no missed payments, track record of owning a home and paying on-time etc.), I was denied a competitive mortgage loan and was told the underwriters wanted to do the loan as a less affordable option.

Secondly, the denial reason is vague, and when probed for additional details I was denied by several representatives. The lack of a sound denial explanation and the makeup of the neighborhood along with Wells Fargo's long standing issue with providing fair loans to minorities proves as further evidence that their intentions were never to offer the competitive loan, but to coerce our family into a more costly loan in the long-run. This issue has since been escalated up to the discriminatory division at Wells Fargo, but I have not been able to get a response.

My mom has already undergone several hospital visits as a result of the stress that this situation has caused our family. What we are requesting is a full refund for the fees paid to the bank totaling $560 (for appraisal) and monetary compensation as a result of the unlawful act of discrimination experience imposed upon my family. I am sorry that my skin color, and the color of my neighbors makes us a bigger risk to your bank, but no bank should ever be allowed to freely and without just cause deny qualified individuals of competitive loans on the basis of their economic and ethnic disadvantage and/or of their neighborhood.

The next payment due was going to reflect our new lower payment, which was not allowed to take effect. Our income with this new job is now $1200-1500 a month less, take-home. Our house is in disrepair, although it is in better condition than 5 years ago, when we purchased. Now we have no tree maintenance, no insect control, leaky windows, roof needs repair etc. Can't even afford tarps this month.

Long story short, I finally closed but it was the worst experience getting a mortgage that I've ever had. I received a letter from Customer Care and Recovery Group that stated after the investigation, they determined the delay in my closing was due to not knowing the builder was not going to pay some of the closing fees. They knew this since day 1 as Wells was not a preferred lender. The real truth is that my file was sitting in underwriting for weeks and days. You don't tell someone they may need to refi their auto loan to lower their DTI three days before a close. The CCRG also stated the CD was being balanced on June 13, 2017.

Bull! My loan was not sent to the processing center in Florida until the night of June 13 arriving on June 14, 2017. Wells refused to waive the three day CD review for me to close on time or on Friday, June 16. With household goods in storage and scheduled to arrive on Saturday, June 17, 2017, Wells could not care less of what they had put me through mentally and emotionally. Customers please beware! I will never ever recommend Wells Fargo Mortgage to anyone. I guess I should of read all of the bad reviews in the beginning and would of known not to use them. Sad thing is that Wells Fargo has refused to admit they screwed this up for me and the underwriter involved is much to blame.

Their customer service reps won't let you talk to supervisors even if you asked to and try to talk over you. They send you refund checks saying misapplied when you owe them money without explaining why. You really have to get a lawyer involved to get them to tell the truth even their executive office sends you around in circles over and over again. I don't like being held hostage but that is truly how I feel and I feel they want to take my home because they know it has equity and they don't care about the truth compassion understanding or any type of empathy towards a consumer who is disabled. They are too large. They don't talk to each other's departments and you are the last thing on their mind as an individual consumer. You don't count. You never will as you're just a number.

I then set up biweekly payments to Wells Fargo through bill pay service of Bank of America (BofA). BofA delivered as requested, on the correct value date. But Wells Fargo did NOT apply the payments correctly as said could not accept "partial payments" from 3rd parties. Result: For payment due August 1, I paid 1/2 on July 14, and 1/2 on July 28. If I had NOT called, my mortgage payment would NOT have been applied. Wells Fargo cannot do it correctly, but then want apply biweekly payments from another bank (that had correct account number!). Incredible.

Original Review: July 20, 2017

Wells Fargo Online Banking utilized to make mortgage payments is designed to charge Non-Wells Fargo Account holders higher costs to make their mortgage payment. Upon receiving my new mortgage holder paperwork, after being sold to Wells Fargo Bank, I was able to go online and make my first mortgage payment. The following (4) months, I have had nothing but problems and higher costs when attempting to make a mortgage payment. For example, I have spoken more than (6) times with "Customer Support", never able to speak directly to the "Tech Support" people directly. The Problem: The Mortgage Payment page will not accept my bank "Routing number and Bank Account number". When this happens, I am forced to call customer service for the "Mortgage Department".

The first contact is an automated menu driven access allowing you to make your mortgage payment for an additional $6.00. If you wish to speak directly to someone in the mortgage department to make your payment, (a menu driven option again), this will cost you an additional $12.00 to process a payment. When the Wells Fargo employee takes your account information, they ask for your "bank Routing number and checking account number"; exactly the same information their website asks for. However, it is my conclusion, after going through (5) months of this, Wells Fargo has intentionally flawed their website to force mortgage holders to pay additional costs. At the rate they are charging, over a 12 month period, Wells Fargo will net an additional $144 per year from mortgage holders. This should not be allowed, but mortgage holders have no choice where their or to whom their mortgages are sold.

I talked to Wells Fargo. Girl was nasty as heck even CFPB sent everything to them and she has the audacity to say in her response "We did not find any information or conversation about a 300,000.00 loan amount..." It was sent to them and if that's the case why does their attorneys have it and presented it in court exhibits and seemingly used it in Mediation for 3 years...

How did Wells Fargo lawyers GET hold of it and yet Wells Fargo knows nothing!!! It's all lies and denials and losing our house from their fraud in weeks' time... How can they get away with this when I sent evidence (over 200 pages) galore through CFPB but they turn their heads and still make up lies about income when I proved it to them... They are horrible and can get away with anything because CFPB does nothing except wait for a response. C'mon do you really think the bank is going to be honest in their response!!! NOOO.

Every lawyer who has looked at this cannot believe the LO fraud here by the lender with Wachovia in 2008 yet their lawyers still deny and lie. 79 year old a 30 year mortgage! Really. How did their lawyers get hold of a different one and Wells Fargo knows nothing??? It smells and the loan never should have been presented... Wells Fargo continues to lie to people and throw people out of their home of 35 years without a care in the world.

We are living in temporary housing while waiting for our new house to close. Almost everything we own is in storage units located over a hundred miles from where we are living. We have complained about our experience to the manager of the person who has been processing our application and to the manager of the manager to no avail. We are being treated like criminals instead of valued customers. It is also time for an investigation of VA and their new red tape guidelines. Financial institutions are required to use VA's forms which mirror regular civilian institution forms. Apparently VA does not like veterans obtaining home loans and does its best to discourage veterans by snowing them with unnecessary paperwork. Six years ago it took us less than 30 days to been in our new home. God knows if we will ever get the loan approved.

I'm very very disappointed. I ended up doing my own footwork. Please if you are looking for a mortgage consultant I'm sorry to say do not look here. If I can please be directed to the right direction to where I can contact someone even higher please someone let me know. This is June 2017. I strongly advise that you deal with another mortgage company. Last but not least the Clearwater branch is very sorry as satisfying its customers. As to Albert ** he was very unprofessional and came about with a cocky demeanor. (Meaning he know he can get no trouble behind his work ethics) UNFAIR.

So I said, "What of this letter you sent me." Happily she exclaimed, "Didn't you read it? It says you can only change your date if you're not behind a payment. Your original terms still stand." Oh then when I told her to transfer me to somebody not yelling she did, but I got her employee's I.D. first. I have another person looking into this but in the meantime they have been so deceitful. We trusted them and always pay our bills. He took my scheduled payment and according to them they will take a full payment too. How awkward and how devastating. Please do no banking via phone, especially mortgage. We cannot believe it and I'm suffering angina pains. I also suffer Migraine. Be smarter than we were. Go for your loan with a lawyer who usually charged 300. It's going to save you and The American people billions. Hope it helps you.

Updated on 06/12/2017: I've already tried to submit my concerns with Wells Fargo Ethical Business Practices as dictated by their Business License: Let me explain. I was not behind my payments for this mortgage loan. My husband who is a Disabled Veteran and I bought our home in December 2016. I continually tried to get them to change our due date, nobody would. They said it could not be done ever. Well, the Army didn't pay him 700 they owed us for over a month. So, I called them and a fairly nice lady told me our new preferred payment could start on May 25, 2017 and then every two weeks. I was so happy. A confirmation letter was sent to us confirming this. However, they never attempted to take our payment. When I called them I was screamed at by a lady who calls herself Heather **? I got her employees number.

Then I spoke with a man, got his number too. He then took my payment over the phone but insisted I could not remain on the preferred plan? As stated and as originally promised. He discouraged me from going to a branch. However, I took a witness, a friend with me. They took the other half of my every two weeks payment but insisted I still owe for June now? They promised I would not pay a late charge as I explained we get paid every two weeks. So, this is very deceitful and unethical. I plan on getting their Business license number and turning them into both my state Attorney General and Department of Financial Institutions. As well as the Better Business Bureau.

Now, keep in mind as I was making my payment at the branch, the women on the phone began asking me if I wanted to short sale my home? Come to find out although I requested to speak to the Main Corporate Office I was now speaking with Collections. I just received a letter saying we are almost in Foreclosure? I just do not trust them at all, why would I? They say one thing and do another. Because of their deceit I have to pay 2 full house payments by July 7, 2017. Thankfully I'm able but, it boils down to facts. The letters contradict each other. Please only bank with them or make payments via bill pay. Or a wire transfer. They will probably no doubt keep saying behind, although they have promised otherwise, my June payment is not due until the 16th. It hurts dealing with these people.

On 29 May 2017 Wells Fargo told me they were not concerned with my complaint ** through the Dept of Justice/ConsumerFinance.gov. Their actions have left me unable to sleep by their refusal to honor our agreement. I sold my retirement home in hopes of these funds. Now, I will not be able to survive on my Social Security without help. Wells Fargo has taken advantage of me. I cry continually due to their dishonorable actions that have left me penniless. These funds would have helped me restart up my federal contracting business. My age is a deterrent in applying for work even if I were more mobile. Wells Fargo is not your friend. These people work together to take your money through actions that closely resemble what is described as a R.I.C.O. act. Why are they not prosecuted? Do they only get fined & their hands slapped; While others suffer?

2014: Decided to apply for a small WFHM home equity loan (30% of equity) for various improvements. FICO 820. Filled out online application and expected quick approval. Instead, I received KILOTONS of docs to read/sign via Email and USPS, innumerable phone calls requesting information, including info about my mortgage at WFHM and accounts at WFB. After refusing to commit to a 30 min call to have someone read me the agreement (I can read it myself, thank you!), I decided to cancel the application and just pay for the improvements with a credit card... The potential tax deduction was not worth dealing with this incompetence.

2017: Received Email advert from WFHM for HELOC "Use your equity to improve your home!!!" with "Easy online application"!!! Decided to think about it and maybe get some additional tax deductions while making home improvements. FICO still 820. Asked my banker, who offered to help with the application process to avoid previous issues. Filled out online app and received MEGATONS of stuff by Email and USPS, and phone messages at all hours of the day and night, including weekends, asking me to call back.

Called back 3 times, placed on 1 hour hold for the 3rd call which was on a busy Saturday... Person was evidently reading from a script from which he was not allowed to divulge. I was asked the exact same questions on all 3 calls and also received 3 "secure" Emails asking me to reply to the same questions in writing, including questions about my mortgage balance and payments AT WFHM and asking me to send bank statements FROM WFB. WTF?!? Complained to my banker; he called WFHM and received the same questions for me to answer (again)... He sent my replies and was subsequently asked 2 more times to answer the same questions. In addition, I was asked for a purchase contract 3 times even though I was not buying a home, and proof that I am single. WTF again?!?!?

More than two months later: more requests for more stuff that appear to be completely irrelevant. All of this for a small loan that is less than the limit on one of my credit cards (all of which are paid off). As of today, I am refusing to send any more stuff or answer anymore more phone calls about this HELOC application. I asked my banker to cancel the application if it is not approved promptly, and I am thinking of transferring all of my accounts out of WFB after paying off the small remaining balance on my mortgage. Incompetence lives on at Wells Fargo, but I don't need to live with it!

The harassment continued as we called in to no less than 6 different reps who could not wrap their minds around our issue and refused to help in any way other than collecting yet another payment. Then we found out that the two extra months of payments we sent to cover their mistake had gone to the principal of our loan instead of our monthly dues!

We were then warned that one more "late payment" would put our home into pre-foreclosure. We spent hours on the phone with your reps trying to get this sorted out and after weeks of this nightmare seem to have sorted this out on our own efforts. To add insult to this ridiculous waste of my time we have been getting forms from Wells expecting us to sign off that everything was handled correctly. I will be looking to refinance and discourage everyone from using their services. I can't in good conscience encourage anyone to be treated with the same aggression and indecency that we experienced with Wells Fargo.

By 11/20/16 I was out of the apt to downsize the expenses! I do care give for 3 companies plus 4 consistent income I get plus roommate helps $450. WF calculation total income of $3,700.00. Stefani did not want my ex-husband income we live at the same resident that could add up! WF did not make a condition on me to leave the apt right from the beginning of the process it dragged the time. I have so many mail showed my resident address including Wells Fargo mail but I have mail still showed the post office. Mail such as the statements of BoA & some of WF that did not matter to me because we do online payment. Debra ** called me in Dec. 2016. I'm denied no enough proof even that I sent them proof of moving out of apt., and closed my PO Box and paying my credit more than what's requested!

I received letter that still there is not much changes in my situation! I blasted on phone saying all this modification is just an F like a fake! ** offered me $10k I said no I want to keep the house money will go fast. Her & her boss had stronger fist than mine! I received mail about loan information to new creditor Wilmington Saving Fund, Christiana Fund but WF still my survivor. So ambiguous eventually. BSI at the bottom page of the loan information there is [X]. May hold them in a separate account until you pay the rest of the payment, and then apply the full payment to your loan.

So I called Stefani at WF she said WF still my survivor explained what that hope of that [X]... I thought the worse thing will happen. I will get confirmation that either I will pay the whole amount or last chance. No more extension on repealing the delay. Instead it seems the plan already been made between WF & British BSI. When I called BSI they said "Your information not loaded in the system yet call us next week!"

I received mail on Feb 6th 17. Again WF that BSI my financial services start Feb 21/27, there was mail from BSI saying same like WF about option help modification. I received regular statement from BSI on total payment for March 15/17. I was still receiving mail from WF about my escrow information was so close timing when our life situation gets crucified. Get to the point. No one dealing with me. WF says those mails just generated call BSI and BSI don't return my call at all keeping me in the dark to not have any chance on anyway to keep the house! There was time called Stefani on 3/13/17 her voice mail said she'll be back on the 14th and even next week on the 24th her voice message says will back on the 24th. How could anyone trust this kind of unorganized system with phone as well with documents. We are couple frail. WF staffs had no heart beating.

I called Wells Fargo ONLY to inform them that my payment for the current month would be late. I knew there would be a late fee, but asked if I could set up a date to have the payment automatically withdrawn so I did not get collection calls. The representative asked me what happened to make the payment late. I explained. She said they had this great program for this situation. I would only have to make partial payments for six months. This would help me get on my feet. Because I am not naive, and it sounded to good to be true, I reiterated the information back to her multiple times. I asked if there were any disadvantages, if there was anything I needed to know about this agreement that could affect me negatively later. I was told no, many homeowners were struggling and this was a program put in place to assist in these hardships. I accepted.

After the 2nd payment, I couldn't pay online. I called, was told based on agreement would have to call to make payments. I thought ok. The 4th payment or so, I was waiting on hold to make a payment and I heard the recording "this is an attempt to collect a debt". When the rep answered I asked about it. She informed me that the amount of my monthly payment that I was not making would be a balloon payment that would be due at the end of the 6 month period. I was furious. If I didn't have it to begin with under the circumstances, how would I have a balloon payment. Their solution, take it out for another 6 months!! SERIOUSLY?! Because I didn't have the full amount, I had no choice. Now I attempted to get a loan modification through Wells Fargo. I was denied.

Now I'm frantic, scared, limited on funds, just started a new job, I was sick about it. I have pages of dates, times, people I spoke with, conversations. I even begged them to pull the original call so they could see I wasn't lying about what I was originally told. I ended up having to get an attorney to avoid foreclosure. I finally got the loan modification. Oddly enough Wells Fargo said "we could have done that for you, you didn't need an attorney"?!? Three sets of paperwork later (because each set was incorrect), I finally finalized and felt like I could breathe again. NOW...

The second nightmare: I wanted to sell the house and pay off my credit card debt that I had accumulated when I lost my job. Then, I wanted to buy another house, not bigger or better, actually more simple as it's just me. Because of the loan modification, I called Wells Fargo to verify the payoff. I SPECIFICALLY asked about the loan mod. They assure me it's all included. I get a payoff in writing. A few months go by, I decide to list the house. I call WF AGAIN and confirm the same info. My house sold in one day (literally). I felt so blessed! The day of closing, about an hour before I am to go sign, I get a phone call from the title company. They ask if I have a second loan. I explain no. I have never made 2 payments and I am not aware of any other loans, I have never taken any out.

The title company said, "well there is a HUD loan coming up". I explained the loan modification, and what had previously happened. I also explained I could not continue with the sale of the house if I owed this additional 20k as I would not profit enough to benefit from the sale. The title company said, "let us double check". They call me back tell me everything is okay. They spoke to WF and verified all liens would be satisfied with this written payoff they had. I said, "ARE YOU SURE", and they said, "yes". So we close, everything goes smoothly.

Almost 7 months later, I get a call from the title company. Guess what, I now owe 20k to HUD!!! It's in my name therefore I am responsible!! Now understand, I bought the house for 125k with 3.5% down FHA loan. I had the house for 7 years prior to selling. I had a low interest rate. The payoff was approximately 112k so it's not as if there was this huge discrepancy that would have raised a red flag for me to say, "hold on something's wrong". So as of today, the title company blames WF, WF blames the title company, HUD says there is no way I would have realized as consumer this process and the title company should have known.

Nevertheless here I am this middle-class single woman owing 20k that I am responsible for and if I do not pay it I can apparently be sued by the buyer and it will also go on my credit as an unpaid debt! I was told by the title company that it is my responsibility to know what my debt is. I feel sick about this. I am an ethical person, and I try to always take responsibility even if I do not like the consequences, but I verified with WF, I verified with the title company, I even called the attorney that handled the loan mod and verified WF should have informed the title company. The only thing that I feel I could have done differently is pull the loan mod info and fine tooth comb it prior to selling.

I feel like such a fool, and now my house is gone so I cannot change my mind. The realtor even told me on the day of closing "DON'T WORRY, I can't believe the title company is even bothering you about this. It is an error". I am open to any thoughts or suggestions. I feel sick about this. Signed - Sickly Discouraged, Mentally Extenuated.

A little history is required to prove a home loan was IMPOSSIBLE. --- I became handicapped in 2006 due to two spinal surgeries. My wife had to quit her job (she had been a senior designer for Hilton Hotel's Beverly Hills headquarters and I had been one of the top Lobbyists in LA, CA for several decades). Neither of us knew when, or if we would return to work. So, my WFB Private Banker's call, offering an UNSECURED LINE OF CREDIT, seemed like a good idea. Our successful background was the basis the bank could use to justify such a large line of credit. We Did Not qualify for a home loan under Federal Banking Regulations, so it was impossible to have this credit be put in our home as a Trust Deed. We had hundreds of thousands in equity, in the home we bought in JAN 1993, so the worst possible situation would be to sell our home if neither of us could return to work.

My private banker initiated the call to me and said she would fill out the loan application paperwork. All we had to do was show up at the bank to sign ALL REQUIRED DOCUMENTS, and the line of credit would become available immediately if we needed it. Our credit record was impeccable, as we had never been late on any payment since our marriage in 1974.

On May 25, 2007, we signed the required paperwork at our local office. A notary for WFB handled all of the loan documents, so just to be absolutely positive there was no Deed Required, my wife asked the Notary to stamp a page and scribble out the page, showing with absolute certainty, if a notary of anything had been required, she would have notarized it on that day. The Notary did stamp and date the notary form, then cross it out, so we could include it with our loan paperwork.

In August 2011, I was told the line of credit had a DEED attached to it, and, our entire $500,000 line of credit had been used (that explanation for another day). I requested a history of our loan and was told it would take a while to get it since it was housed in WFB's national achieves facility. On 10/3/2011, a loan history summary was sent to us. It showed that the loan had become effective on "June 5, 2007", to correspond with a Short Form Deed of Trust that had supposedly been notarized on June 4, 2007. Our loan records were all dated 5/25/2007, no deed had been required (we were told the boilerplate language about a home equity line of credit was merely the loan paperwork the bank used on 5/25/2007, but obviously, since no deed was required 5/25/2007, we could ignore the bottom half of the loan document language.

We had not supplied any tax returns, w-2's, 1099's, no appraisal had been done and the loan approval document stated the loan approval was only valid until if completed prior to 6/1/2007, so everything seemed to be exactly what our banker and the loan document person was telling us was absolute. However, my wife wanted absolute proof that no deed was required, which is why we had the notary stamp a blank Notary form we could keep as proof of the no deed required.

I was extremely upset, as the Loan Summary showed our loan had become effective on 6/5/2007, not 5/25/2007, there was a deed showing it was signed by us on 6/4/2007 and A Different Notary than our original loan processor had supposedly notarized the deed on 6/4/2007, and despite the equity we had in the house, we could not refinance the house, as we Did Not meet the basic needs to qualify, namely a job, to prove our ability to repay any new refinance loan. I asked a very basic question of how did we qualify for a home loan in May or June 2007 when neither of us had worked for over a year in 2007 either. We were not provided with any answer.

Every document we had was signed on 5/25/2007 and I knew we were being railroaded. Plus, why did the loan summary say the loan became effective 6/5, instead of 5/25/2007, that our paperwork showed?? Numerous issues were unanswered and made no sense whatsoever, so we decided to file lawsuits I was furious, as we had been lied to all along and it appeared we could not prove it. Plus, the entire line of credit had been maxed out and I knew we had not spent all of that money. Nothing made sense and we decided to file a lawsuit against Wells Fargo.

Tomorrow I will Post copies of documents provided to the courts by Wells Fargo, documents filed with the county Recorder and documents we have from the original loan packet we still have. The documents do not match, which brings up the issue of how can a computer change dates without any human intervention and what Judicial Notice means in court. Everyone should be as amazed as we were/are about how a bank can lie And the court had to accept as fact, paperwork that obviously had been altered by someone.

The documents obviously did not match my line of credit loan documents, so began a many year quest to prove Wells Fargo Bank lied to me and the courts. I decided to investigate how this could happen. On 8/25/2011, I was told my line of credit was a loan against my house. I requested a loan history from WFB's archives by contacting my Private Banker. I had been a VIP customer with WFB for many years, and could not believe my bank or any bank would manufacture documents. What I found was horrifying. And, if it happened to me, I wondered how many thousands of others had suffered the same fate. From the date of the loan until today, WFB still tries to convince people I am the guilty party and that I am trying to cheat them.

I had been disabled for over a year when I obtained the line of credit and my wife had quit working to take care of me 24/7, FOR OVER A YEAR, and could NOT QUALIFY FOR A home loan as I could not provide proof I would ever be able to pay if off if I did need to use it. However, I had equity in my home of 20 years and knew I could sell it if it ever became necessary to do so. Review a few of these documents, and ask yourself if anything makes any sense at all. You can decide if you believe the bank's version of the story or mine. It could happen to you and did happen to thousands of people nationwide.

It took until 10/3/2011 for a "copy" of their officially archived documents to be sent to me. Worse, WFB actually submitted these same documents to courts and Cited Judicial Notice that the judges must accept the documents as being legally valid and binding upon me. History-- on 5/25/2007, after getting a call from my private banker, I was told I could get a line of credit up to $500,000, to use if I needed... MORE EVIDENCE TO FOLLOW.

Next month I get the same letter, call again, and I'm told it is NOT a mistake and I am 3 months behind. I send them bank statements showing the payments I've made and instead of correcting the problem they call and offer me a loan modification that could lower my payments and prevent foreclosure. Worst thing I could have ever entertained. It took them two months to complete the process only to tell me my payment would go up 200/month and my interest would go up a percent. Now I am told the payments I've been making during the time the lien was in review with underwriters was withheld in an account! AWFUL and incredibly insensitive people to deal with! I can't wait to lose Wells Fargo and reliance elsewhere!

Our contractor had to finally halt work because they were out so much money on this project with no payments from Wells Fargo. Because of Wells Fargo delays, we ended up in a rental house for 9 months instead of the 2-3 months it should have taken. Our house still has many repairs to go but we now have to wait for weather improve to do anything else.

Our latest problem is trying to get them to release funds to pay for our move back into the house and cleaning of air ducts. We were issued a check from insurance for this purpose and we were told when we took the check in a month ago that they would send it in to the main office and then FedEx a check back to us so that we could pay our bill. I have since called in 3 times (when it never appeared) and each time was told that it will be processed within 2-3 business days and FedExed to us. My fear is as the weather gets nice again they will still not release funds when needed and we will lose our small window of time to get our repairs done.

Now they will not even consider any kind of modification because guess why? I don't make the same money! What do they want? I guess they want the house, to sell again to some unsuspecting idiot who doesn't know they're fiends, predators, killing the average american who thought he was doing the right thing all along... Paying bills, putting kids into school, doing all that ** that now doesn't count for anything. America is absolutely messed up. No one but rich ** get what they need. Be that as it may, Wells Fargo is the worst of all the greedy people hating ** heads of America. Bottom line... Don't do business with Wells Fargo at all. They want to destroy americans.

They wanted to refinance our house for less than 65 percent of value. At the onset it was "oh no problem, we can do 80 percent." Then when it came to a decision they wanted this that and the other and after all that they only wanted to approve less than 65 percent of house value even though our income is now more than when they approved 80 percent of the value. In the future I plan on going to any other company but Wells Fargo for my Mortgage. Oh we closed the charge card and bank accounts there as well. They currently hold the rest of the little remaining mortgage which I intend to pay off soon to be rid of dealings with Wells Fargo. Please do not put yourself in a position where you get fleeced by Wells Fargo Mortgage.

My wife, being a former WF SVP for private banking knew the questions to ask. They said that they saw where the funds had come in and that the funds were applied to a dormant checking account (one my wife had to open when she became an employee) but when she left 10 years ago, she took out all of the money. They could not explain why it was going there but they said that they would freeze the foreclosure process. This all happened around Christmas and the New Year time. We called back after the new year only to find out that the person helping us, is no longer with the company. We had to start the process all over again. They repeated everything the 1st person said. They then escalated it to "Executive", which I have no idea as to what that is.

They strung us along saying all the money (5 months worth) was in that account. Nobody was applying it to the mortgage! It wasn't until 5 weeks later; we get a call from our homeowners insurance company saying that they received a letter from the lender saying the house was foreclosed and that there was no need for us to keep the insurance.

We spoke to the "NON-EXECUTIVE" who then said he told us that the house had been foreclosed on. Said he told us that they sent the Foreclosure notice and eviction notice via the US Postal service - NO SIGNATURE REQUIRED. He then told us that everything has been kicked over to 'PREMIER SERVICES' and to contact them. We did, the lawyer will not return our calls. We spoke with the real estate agent representing them, and she said she had the paperwork.

We called again to their lawyer, no answer, but spoke with an office assistant who told us that the 'eviction notice' had been sent via FEDEX. Asked for the tracking number and she didn't give it to us. She said it was delivered on 2 Feb 20107 and left on the front porch, no signature required. DUMB!!! We called FEDEX and did a reverse check to see if anything was delivered to our house and gave them a time frame, not the exact date. FEDEX said nothing has been delivered by them since a package in mid-December (Christmas gift). We also called the post office and they said that they have not delivered anything that had a tracking number.

We called the real estate agent and she made a call. We then received a summons to vacate from the lawyer, USPS - No signature required, but the date on the statement was 17 FEB. Not the one they said they sent in January. Called WF again, and the young lady said there is nothing they can do... "BUT AT LEAST YOU WILL HAVE SOME MONEY TO RELOCATE".

SUMMARY - WF never contacted us. Said they tried, but the home phone had been disconnected and we updated our POC info with both cell phones. We did this again during the loan modification request. They do not have one central database. EXECUTIVE said they could not apply our funds because they decided to accelerate the payments and with the late fees, we didn't have enough in that dormant account. Although the first couple of persons we spoke with told us that they would do that.

They never sent any correspondence to notify us. They do not even communicate well with their own departments! Wrongful lawyer documents - should have received the original documents, not ones that were done again... 1 month later! 6 LAWYERS all told us that we have to vacate, we cannot get our house back. Trying to sue WF would be a nightmare!!! All because the COMMONWEALTH OF VIRGINIA sides 99.9% of the time with the lender, even when the lender is wrong!

I was told in mid June of 2011 to await the paperwork which should arrive in 3-5 business days. After 2 weeks I call and was told they have been busy and I should get it any day. I call first week of July and say my payment is due but was told not to make it as it would throw off the figures, paperwork arriving soon. In August after many phone calls I was told Justin was no longer there. The Senior VP had also gone awol. But my case was being handled personally by the office manager. Don't do anything and sit tight. This went on despite many many phone calls, letters, etc. I had been a senior executive in IT and was not used to being blanked as the office manager never took my calls.

Finally on December 23, 2011 I got a call from Savannah from the same office asking why I was not making payments! Whenever I called I talked to Joel, same first name, as he was the only one picking up the phone and would relay the office manager's instructions. Savannah talked to Joel who called me in January. He said the deal was off the table and "that was then, this is now".

Finally he called like from a parking lot on a cell phone and said for me to trust him that he was going to save our home? I said "wtf do you mean. We had an agreement." He just said for me to get my paperwork in order. In the end they made me sign a 40 yr. mortgage, attached outstanding interest and increased the loan to the level of when we purchased the home 5 yrs before. The payment is actually $50 more than our previous 25 yrs mortgage loan? Joel told me to pay on it for six months and refinance it. While doing so Wells Fargo trashed my credit so I couldn't refinance the loan. So I'm stuck at the moment, but besides almost losing our home feel lucky after reading some of the other situations on this site.

I sent Mr. ** our paperwork ASAP as he said he needed in within 2 days! After I submitted my documents I was told the whole entire process could take up to 30 days although within a week after I submitted our paperwork my husband received a call saying Wells Fargo did an analysis for the area we live and we did not qualify for their program! I did my research prior to sending them my paperwork as there would have been no use in attempting to get a better interest rate if we owed more than the homes were selling for in our area. Just to have some knowledge for ourselves if the homes in our area are selling for less or more than the balance we are paying for our home. In fact two homes on our street just sold for $100K more than we owe! We were thinking we would have a pretty good chance as possibly qualifying.

However it seems as though Wells Fargo did not go by our credit, did not come evaluate our home nor do we think they did an accurate evaluation of our area! We are unsure why they even made us submit paperwork/documents if their ONLY decision was going to based on a analysis of an area and not even an accurate evaluation. Maybe Wells Fargo should do this analysis prior to a person taking the time to gather all their financial history and personal information sending it to them just to be disregarded over Wells Fargo supposed analysis... Which seems pretty inaccurate after seeing two homes on our street sell for the prices they did.

It seems as though the joke was on us to have taken the time to call Wells Fargo, then gather all of the paperwork, then take time to submit the paperwork to them ASAP or at least within that 2 day request! Then only to be rejected over some facts they say they have for a area is not even accurate is a joke to the consumer. I am hoping to have a new job soon and we will definitely retry to look to refinance in the near future but NOT with Wells Fargo.

I do want to say that Wells Fargo seemed legit and with their long reputable history we had high hopes in them. We have had our mortgage with them for over 10 years! Wells Fargo has always treated us fairly until we experienced this bogus and bias reasoning they gave us, and not to even consider the real facts seemed really dishonest and not reputable at all to us. So just a thought if you are considering using Wells Fargo as lender your credit may have nothing to do with being approved for a home. You may also receive a denial depending where your home is located and their bogus analysis of home values in the area.

UPDATED ON 03/31/2017: We are or were in the process of attempting to apply for a modification with Wells Fargo for our current mortgage loan. Our current interest rate with Wells Fargo is at 7.93%. (We know it's high!!) We have fallen behind on a few payments and are attempting to try to keep up on them as much as possible. We have been struggling since 10/2015 when my father passed away unexpectedly and had to pay his funeral and also having to place our mother in a nursing facility within a few months with Alzheimer's and a job loss to say the least well... Life happens. We have tried to do our best to keep up paying on our beautiful home, but have fallen behind at times.

So far Wells Fargo has always worked with us seeming compassionate and usually always willing to work with us, sometimes by allowing us to move some payments back when we need to. Even though we have late fees they have always worked with us which as made us feel like we are still valued as customers. We started the process of modifying our loan I believe in late January or early February 2017 with a representative: Levar ** with Wells Fargo. Mr. ** contacted my husband I believe in February to inform us that the modification did not go through because of the home values in our area (Not based on our credit, Not based on the value of our home or balance owed) which made absolutely no sense since we only owed about $284K and home values were up in the area around $400K or more in our area.

We were then contacted again by a representative who said we could appeal... so we did! We were very excited at a second chance to appeal the decision as we do love our home and would LOVE the opportunity to just get back on track, thinking to ourselves how great it is that Wells Fargo is going to give us the chance to appeal their decision. AWESOME! We are still valued customers!!

Within a few weeks 3/8/17 we were contacted by Brad ** who told my husband the appeal process was denied... Then just last week we had a moment where we were really thrown into a loop when our insurance agent contacted us asking about a credit on our mortgage insurance. He was stating his office received a large payment and he attempted to contact Wells Fargo concerning the payment received but he could not get an answer on why Wells Fargo had sent a payment since we paid our own escrow mortgage insurance and our own escrow property taxes since we bought our home in 2005!! I called Wells Fargo on 3/17 and made sure they were aware that in fact WE paid the insurance and property tax ourselves. The representative indicated someone manually had to change that in their system, But reassured me she had manually changed it back to reflect we paid the escrow portion of taxes & insurance.

Over the weekend of 3/17 we received a mortgage statement with a new surprise it!! This new statement now reflected how our mortgage payment went up $432.49!! Why: Because Wells Fargo now added in for the escrow insurance & property taxes!! I'm confused. Are we not are trying to modify the loan so we can get a lower payment and maybe a little assistance and get back to paying them on time and keep our home? This definitely doesn't seem very helpful to the consumer to add to it! And I did call them to inform them of their mistake! We NEVER HAVE authorized Wells Fargo to pay on any escrow insurance or taxes.

With this new notice I called Wells Fargo yesterday 3/30/17 to check on the process of appeal and to discuss this increase and ask why they paid and then added onto our payment. I called Brad ** extension because I assumed we were still in the appealing stage of the modification process and I was unaware the final decision was already made. (Remember the email said it was still in process!) Mr. ** mentioned how he had already informed us on 03/08/17 of the decision made. That the modification was denied due to the equity in our home. I informed him that we were told the modification was in the appeal status and how I had received an email from Mr. ** recently showing it was still in process with no decision made yet. I asked even though my email came after 3/08? The email from Mr. ** was received on 3/17/2017!

Mr ** said he said no the decision was made 3/08/17. I mentioned how I was confused since we had the email from Mr. ** indicating the process was on-going and we thought one had not been made. Mr ** said no the decision was made. Yet Levar ** also called my husband on 3/17 as well saying the process was still being decided. Talk about confusion!

I then went on to ask him how can Wells Fargo make the choice to pay for the taxes & insurance without authorization. Mr ** said we knew they would pay for those when we submitted our paperwork for modification. I replied I did read that but I think that was only if the modification was approved. You're stating it was not. Mr. ** said he would have to look into that but the insurance company and the taxes would have to be paid back to Wells Fargo. I replied "I know it would and it looks like we would be paying it back with interest as I seriously doubt if the city or county was going to refund Wells Fargo's funds."

I also told Mr. ** that Wells Fargo could contact our insurance company to get that refunded... as we were already paying it and that was not our fault that Wells Fargo took upon themselves to issue any payments without our consent or notifying us! And went on to tell Mr ** how there was no communication of any of this from Wells Fargo and we wouldn't have even known that Wells Fargo paid anything if our insurance agent hadn't contacted us. Mr. ** only replied that Wells Fargo would look into it. (We ended this call.)

I then called back to move our payment back a few days within minutes of speaking with Mr **. I spoke to a representative named David who was very friendly but mentioned we are in the rears of payments and asked if I wanted to speak to someone to apply for a modification. I replied I was working with Mr. **, and explained how Mr. ** said our loan was denied. David asked if I wanted to proceed to try once again and speak to someone in the Re-Entry department to try one last time for appeal. I replied whatever it takes. We are just trying to keep our home and work with Wells Fargo.

David then transferred our call to a Javier who worked in their "Re-Entry department". Javier very was pleasant and he re-took some of the information for their paperwork to re-submit our modification request. Javier asked like banks always do if it's our primary residence. Me yes. Javier ask why we are behind. I explain... death & medical hardships with my mom and lost my job. Javier replies "you know you may want to really seriously consider selling your home and moving into a home you can better afford"... I know at this point we probably won't get this third chance approved by those comments and thought to myself why should Wells Fargo modify our loan if we are paying such a high interest rate. (Compared to today's interest rates!) And now Wells Fargo has added in the insurance and property tax to the loan without approval of any paperwork and our consent.

This now gives Wells Fargo has the advantage on our loan to charge us more and charge us the added amounts on the loan with the high interest rate they have on our account. I tell Javier hmm... "We like this home. We have lived here almost 12 years". And how we would like to try to stay here and how we hope this third time it goes through... I also explain how we have paid it down quite a bit. In fact paid off the second loan we once had on it. Javier says "oh then all you can do is re-try then".

I start thinking why wouldn't a bank/lender try to train their representatives to encourage consumers to try to stay in their homes. After Javier's questions and his replies to our conversation I sure get the impression that those questions of how we should sell our home and move were possibly a hint that they had no plans on modifying our loan and that Mr. ** and Mr **, and Wells Fargo as a whole are not on the same page and there definitely seems to be lack of communication in this company from the top to the bottom.

So do we now go by Mr ** conversation and email after 3/08? And that Email that is still showing that the modification is still pending! Or, Do we now go by Mr. ** conversation who told me that the modification was denied? Or, Do we now go with Javier's new submission with the Re-Entry team? Or, Do we now move on and forget this negative experience with Wells Fargo? Once again we are hoping for the best and hope we can still feel like we are valued customers but seriously we are not feeling confident and we are not sure how much faith we have in this new submission of modifying our loan and want to still have faith but it seems bleak.

We are unsure of how may consumers are having a hard time modifying their loans with Wells Fargo and are these just some hoops that Wells Fargo has the consumer go through just to be turned down to say we have these reports on loans & modifications that we Wells Fargo looked at to meet some quota someplace... I will do an update... as soon as this supposed third chance for us to modify updates. We would SO like to have faith in Wells Fargo but the lack of communication and confusion with this modification has been overwhelming and draining.

After the payment increased, I applied again in October 2015. Feb 3, 2016, I was denied again. I appealed the decision and that was also denied due to equity in my home. I was told I had negative NPV. After obtaining an independent appraisal showing I did not have equity, I hired a loan modification company to submit another loan modification application. It was submitted with my increased income, bank statements and profit and loss to support my income. Again, my request was declined. The bank has ignored my current earnings, questioned all my deposits. Then went on to use old tax returns, knowing they would not support my current increase in income. An appeal was also denied. Meanwhile the deadline for HAMP modifications had expired. So I lost my opportunity to get a 2% fixed rate.

While working with another loan modification company, the bank issued a sale date. Then reality really hit. I was truly losing my house. All my efforts to save my home had not stopped the bank from moving forward. I felt terrified of where I would go, knowing my credit is ruined. I have lived in my home 44 years. To think of being evicted by this ruthless bank was the worst! I couldn't sleep nights worrying and began to have health problems.

Finally I had enough. I hired a lawyer and filed a lawsuit. After finding a legal technicality in my foreclosure, the sale date was canceled. Finally, I was able to sleep. Even though my battle is far from over, I feel a sense of hope. The bank has violated the Homeowners Bill of Rights with dual tracking and other issues. I am fighting back.

My income has continued to increase with each loan modification request. Still the bank refuses to work with me on an affordable payment. It is clear that I can made a modified payment. Instead I am spending thousands of dollars to hire an attorney and loan modification specialists. It is costly. I should not have had to resort to a lawsuit had I been treated fairly. It is very clear to me after this nightmare experience that Wells Fargo has no intention of helping homeowners. Instead this greedy bank seeks to steal homes. All the while claiming they are helping homeowners.

During the mortgage process, the underwriting department requested a 4506-T form, which would allow Wells Fargo access to pull a transcript of our taxes from the IRS. That would be no problem, but they now insisted on access to every year dating back to 2012. I disputed the request, was told they do not need those years and was advised to cross them out, initial it and resubmit. I was then told by underwriting that they would not accept my application without access to those extra years. My loan officer did some further investigation and was told Wells Fargo does not need access to more than the two years and, in most cases, does not even pull the transcripts.

No one had any idea why they would not allow me to submit the form with only two years or why the underwriting department refused to change it. I refused to allow them to go on a fishing expedition into my taxes for 5 years. My Loan Officer was at a loss for an explanation. I would never have allowed Wells Fargo to pull my credit under those circumstances. Luckily, I am working with other companies that do not have these requirements of more than two years access. Be warned, you will need to provide Wells Fargo access to at least five years taxes, despite being told you will only need two.

Today I checked my account and 2 charges went in and threw my account -$88.39. I quickly deposited $100 to clear the negative balance. In the evening I decided to check my account again, this time I checked my account and the account was overdrawn by -$58. When I called Wells Fargo, they had the nerve to tell me that they cannot reverse the overdraft fees and I would be getting additional fees if I do not pay the $58. These people charged me overdraft fee for the -$88 and then came back around again and charged me additional overdraft fees despite the fact that I cleared my account earlier in the day of the $88.

This is unfair and unethical business practices, and if this is how Wells Fargo handles their customers then it is sad. This is the height of wickedness and I would definitely not recommend this bank to anyone. To make matters worse their manager was very rude and disrespectful. If Wells Fargo continues to treat their clients in this manner then it's sad to say they won't be around for very long.

We just hired an attorney to modify our home because Wells Fargo is trying to foreclose after 90 days late... At the bottom of the letter they sent they state that "if you have to pay someone to modify your home it must be a scam." NO the SCAM is WF trying to steal our home because it has appreciated to over $320k and they want to make the profit and displace us. Also, by there being 3 late payments at this point the credit has been hit and we will not qualify for a lower rate. But do not fear as soon as the lawyer works this out for us and we get our score up. We will be selling and getting our money back out this house and WF can take a hike!

In the next week I will need to find 24000.00 to finish repairs. At that time WF will owe us well over 60,000. Once repairs are done we will re-finance with a replicable finance company. I have called at least once a day for the past two months only to hear lies after lies. The rep indicates a supervisor will call. I have never had a call from Wells Fargo in reference to our loss or damages to our home...

They decided that since my insurance company no longer provided insurance that they would take it upon themselves to use their insurance at a substantial hike. I have been on the phone with them soooooo many times, been late to work and cried myself to sleep many nights worrying about how am I going to resolve this. They are now saying I owe them five thousand more dollars until I can pay off my home. I dont know what else to do. If I pay how do I know they wont just sit on this check too. They have no compassion for anyone and they are one of the worst companies to work with.

Now they want my husband to sign a paper saying he has no financial interest in an apartment complex he lived in before we ever meet over 20 years ago and we have to get it notarized plus they want something in writing saying he works for the company that we just provided the last two pay stubs for. I could go on but as of today I'm am finished with Wells Fargo. I feel like I need to get out now while I am only $500 out of pocket so far. I will be actively looking for someone else to refi my home with.