Wells Fargo Mortgage Reviews

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.

My first request for a home modification was denied and my credit became so bad from the mortgage being reported on my credit that I couldn't apply for a second mortgage. Wells Fargo is HEARTLESS. They say they want to help prevent foreclosure but they really don't. They tie you up so that you have nothing else to do but wait till you get thrown out on your tush. Forget WELLS FARGO. They are heartless!!!

In the original approval letter they promised us $10,000 in relocation assistance and payment up to $12,000 on our second mortgage. They said our paperwork wasn't up to date and we have proof of faxing and emailing which they never checked their system because they eventually said they had it, again conveniently when the relocation assistance deadline was up ONE day later, again to no fault of our own. They then kicked us out of the program. We refiled and again they accepted but without the relocation assistance and still NO communication from them despite many calls and emails begging for communication.

We removed our family from our home of 12 years 2 weeks before Christmas as requested and were told finally after many attempts to contact ANYONE, by the dept. supervisor Shane (a very rude, and callous individual) that it was our fault we didn't have paperwork on time (which we have documentation that we did). It then had to be reviewed by the "processing dept" which later denied our needs. Shane said very rudely to us and our attorney that we could appeal but nothing will change. Basically Wells Fargo employees are rude and have very little education and communication skills and there absolutely no rhyme or reason to their decisions. We have complied with everything they asked of us and more and we got the short end of a very rude stick.

While this was all happening I was doing my own research to find that our contract was dragged out as many times as it did to NOT include the relocation assistance again conveniently missing by one day and also the vacate date changed to January of 2017 to not be included in the debt forgiveness act of 2007 that was up in Dec 2016. To which this information I found to be very "coincidental" to say the least. We are now out of our home with our two children right before Christmas and got two very rude and incompetent individuals that fed us the wrong information and NO communication which led to the deal collapsing. Now we are forced to foreclose on our home instead of working things out.

Now since it has been over 90 days. They are telling me I owe another loan lock fee and that my termite inspection is expired and I have to get another one. Water samples, certified installer letter, which I have contacted the VA about to get the answers I needed since WF's highly qualified and excellent customer service personnel can’t or won’t answer. All this and my loan still hasn't been approved. That will be the next issue I am sure.

I think it is a disgrace that ELDER ABUSE PROTOCOL policies were not RECOGNIZED and complaints filed by any employee of WELLS FARGO and that the personal bankers at the time did not have their customers financial interest at heart rather than just meeting their personal goals. Wells Fargo did my parents and family a great disservice as those funds spent getting back on their feet was for their retirement that became uncomfortable and challenging for the rest of the family as illness could not be taken care of to the best as would have been if they were denied these purchases.

If this is so, then I am really upset. I am dumbfounded to believe the person I have been speaking with about my mortgage is sympathetic. I have had nothing but profound distrust and dislike of Wells Fargo. I literally refer to WF as Wells Fartgo. No typo there. I would love to reach out and have someone refer my account at the highest level. Money was attempted taken out of my account 3 times after waiting 4 days to take the money out. I rely on prompt service when I make a payment. I had paid some other bills thinking my mortgage was taken out of my account but no it had not and my checking account had 3 attempts without a phone call or email about it... Instead, the money was attempted to be withdrawn 3 times causing $90 in service fees.

I had asked someone to look into this matter and according to the person I spoke to, they did and ruled against me. I asked that my service fees be returned and the late fee be waived. I am already late with my mortgage payment again due to the $90. I am not working because I am having health problems. I would like to make sure this never happens again and that I can at least get $90 credited back to my checking account or a credit on my mortgage account. I have not been happy with service ever with WF. I will send you a pm of contact number and property address. Thank you!!

Of course Wells Fargo was notified and I appealed to their department to release funds so I could get the roof repaired. They did and have called me every 45 days to follow up. According to the insurance company and Wells I have 1 year from date of claim to repair the items. Since my claim, I have received letters from Wells stating that my home is vacant. I have responded via mail and twice by phone that the information is wrong. I brought it up to the property loss department which calls every 45 days, they didn't know what I was talking about. There was nothing in the file. Finally I get a letter that an investigator came by (during the week, during the day) and noted the home is vacant and therefore they will begin preservation of property, changing locks, etc. I became livid. Seriously, I work 7-6 Monday through Friday, had I know someone was "driving by", I would have gladly opened the door and waved.

I then called the number on the letter which I got someone who did nothing but made a "claim". That is what got me in this mess to begin with. I then wrote them, faxed them electricity bills, water bills, phone bills, pest control bills. I took photos of the roof being done, photos of the home and then I faxed saying I want the "investigator" fired. He obviously didn't even step out of the car. If he had, the 3 dogs, two inside and one outside would have been barking. Notice the trash can on that day was on the street and had been picked up and dumped. My grass is shorter than either of my neighbors. I asked exactly what do you want for me to prove the house is not vacant? Photo of dirty dishes, photo of me carrying out trash? Photo of dirty laundry? Photo of new toilets? I showed the photos to co-workers I was told maybe Christmas lights... I said they aren't paying for them. They don't put them up and they don't pay the light bill.

After I sent the fax with documentation I got a call. I was told they had no idea why someone would say it was vacant when it wasn't. I again stressed I want that person fired. Why pay someone for something they aren't doing. Further I am so stressed out from trying to prove to Wells the home is not vacant. Go ahead. Try to change the lock. Watch the dogs attack you. Hear the alarm go off. Be met with a shotgun at the door. I was told he would prepare a resolution for this issue and he would contact the contractor they hired to investigate. I asked if he had photos, nope, he had nothing other than the written word that the home was vacant. Well that's enough to say, it's a lie. They did not do their job and that is grounds for dismissal. Bring this in with the issue that my work, only uses this bank for its out of town office told accounting that in order to cash a petty cash check the employee has to be a signer on the account.

Well that did not go over very well. Our turnover, we would be signing and removing often. Our other banks don't have that policy. After numerous calls and complaints she was told the clerk made up the policy. Two very different instances, two "employees" not doing their job and further lying out right. This goes hand in hand with the published issues of them opening up bogus accounts - lying as well. Very disappointed with this company - I don't recommend it for any reason. I would literally walk away from a sale if they informed me Wells Fargo is who they use. My rating would actually be well below one, but they didn't offer that for the review.

In fact, both the Buyers and my attorneys as well as both Real Estate agents were shocked and puzzled over the glaring inconsistencies in the appraisal report. (My agent stated, "This doesn't even look like she appraised 'your' property!") Using before & after work-in-progress photos + a stack of contractor invoices and sales receipts, I had documented (in an Excel spread sheet) all property upgrades made between 2013 & 2014.

The MLS listing also enumerated in detail the upgrades made to the subject property. But, in this case the Appraiser ignored all presented documented evidence and chose to make her own erroneous claims, which dragged the appraised value down by a whopping $30,000. This was perceived for whatever reason, to be a deliberate attempt to low ball a home's value.

Why the appeal? Below is an excerpt from my agent’s note to the buyer’s agent. The facts are solidly indisputable (My own FACT-based notes to my agent are parenthetically incorporated): “In looking at her comps I wonder why she picked the ones she did as opposed to some of the higher ones attached. Some other things I noticed that were completely incorrect:”

- When he purchased it the basement was not upgraded… FACT: he even upgraded that. (FACT: I invested in a complete remodeling including sheet-rock ceiling, new recessed lighting and carpeting + possible 3rd bedroom floating flooring)."

“Those are a few things that stood out. Quite honestly I wonder if she had the right unit in mind while doing the appraisal. Perhaps you can take a look at this, add to it anything I may have missed and share it with her banker. I feel like it wasn't appraised properly and wonder how familiar this appraiser is with Branchburg. “

In addition to the above, by happenstance a re-fi appraisal conducted by Wells Fargo was done for another 2-bedroom townhouse immediately across the street from my unit. This was an interior unit (not an updated end unit as is my property). The appraised value was $375,000. (FACT: the appraisal was presented to Kobi Group, but apparently ignored). The end unit to that structure which sold last October, was listed at $379,000 and sold for $375,000.)

I would like to add, in reviewing the USPAP website I learned a few things about potential USPAP violations. I’m sure you and your legal department are infinitely aware of the implications of non-compliance with these government guidelines, but I find the fourth bullet (“Performing an assignment in a grossly negligent manner”) of particular interest as noted on www.refermyappraisalcomplaint.asc.gov.

I’ve also familiarized myself with “The Scope of Work Rule” (www.en.m.wikipedia.org). “At the onset of an assignment, an appraiser is obligated to gather certain specified preliminary data about the project, such as the nature of the property to be appraised, the basis of value (e.g. market, investment, impaired, unimpaired) the interests appraised (e.g. fee, partial), important assumptions or hypothetical conditions, and the effective date of the valuation. Based on this and other key information, the appraiser relies on peer-reviewed methodology to formulate an acceptable work-plan.”

Given the facts as noted above, do you believe the subject appraisal is a valid and fact-based one? If you were in my shoes, how would you feel if you lost a significant sum of money through this sort of reckless behavior? In the end, the buyer knew there was substantial intrinsic value in the property, and she contributed an additional $16,000, making the SP $352,000. However, I still lost $13,000 at the hands of Kobi Group, who apparently failed to exercise simple logic in fulfilling an obligation in complying with “The Scope of Work Rule.”

At the end of the day, full well knowing patently false claims were made, this Appraiser held her ground and flat out refused to correct the false assertions. On more occasions than I can now count, in the interest of "consumer privacy," Wells Fargo insisted they could not discuss the 'account' with me. I made it clear I wasn't interested in discussing the account, but rather the actual 'appraisal' that was conducted while I still owned the property. Sadly, following several attempts over a protracted period of time requesting cooperation from the Buyer, this individual refused to provide written permission to allow me to open a dialogue with W.F. However, the Buyer did pony up an additional $16,000 for settlement, but unfortunately I was still left with a loss of 13,000 as a result of the Kobi Group, since the appraisal was submitted for $336,000.

Anyone seeking to sell their home, I would take caution in either avoiding a Buyer’s use of Wells Fargo, or inquire ahead of time as to who will be conducting the appraisal. If Wells Fargo is set in stone as the lender, an alternative option may be to offer an out of pocket appraisal if the Buyer agrees to use the Seller's Appraiser of choice.

Having discussed the matter with two attorneys, it was determined that given the preponderance of evidence, I in fact had a strong case, but my legal fees would have outpaced the possible gain (i.e.: my loss of $13,000). I only hope no one else gets hoodwinked by these nefarious business tactics of low balling home values.

Got a hold of Wells Fargo after 3 days after my complaint. They did not apologize, or tell us steps we should take to help prevent identities from being stolen. They didn't not wave any closing cost, or even offer their credit monitoring for free. We got "All of your loan items are going to the correct email." It was emails I was sending that were incorrect. I understand mistakes will happen by people, I just think the company that the mistake was made by should do more to correct the mistake. If I thought I could go through another company and still make the closing date I would. But, I can at least tell everyone I know and the people reading this review any other bank besides Wells Fargo for home loans.

Updated 12/01/2016: Well now going into my 4th month waiting for a closing date to close on my property. I am being held in limbo by this incompetent mortgage company. I gave the young buyer my word but I am still making payments. This is not acceptable and I don't know what to do. I feel as though I am being held hostage.

Updated 03/01/2017: I have filed numerous complaints against this comp and gotten nowhere except several repetitive letters stating it is being researched and they will have answers by a certain date then another letter comes stating same thing only a different date. This is because I sold my house to a young man in Sept. 2016. The appraisal has been done, he has been approved. Closing comp 4 states closing to be on the 10th of Feb 2017 but LO Colin ** in Knoxville TN extended it without consulting me. Now he has come up with different things that have to be done before closing. The most comical is that one of the well that needs to be capped. That well has had a cap on it since it was dug. They are stalling again.

We got to spend two months of our lives constantly sending documents and making calls over and over again just trying to get answers out of their people. It was a circus and treated us like we were lying about our incomes and constantly called our employers as if they were lying, it was embarrassing! It's not our first property bought and never endured such a thing! So we went elsewhere and closed on our house with another bank and closed in less than 30 days with no runaround and no harassment to our employers. I would never recommend Wells Fargo to anyone! Do yourself a favor and save yourself $510 and keep yourself away from the nightmare we endured!

We finished Chapter 13 in Sep 2016. We started refinance steps because 1st Mortgage is 9%. They have reported the 2nd mortgage 2 different ways overdue $3,301 to Equifax and overdue $0 to Transunion, which is it... So we inquire about this in person at a local place, no help. We call customer service no help. We have communicated via phone, fax and letters since Aug 2016 no less than 60 times. We get calls during the week asking for 2 more weeks followed by letters. I have talked or communicated with every section of Wells Fargo, Home Lending, Home Mortgage, Customer Satisfaction, Home Equity, Consumer Disputes and even sent and email to Board of Directors. We filed with FDIC who forwarded it to Consumer Reports.

Now get this... even though I am basically getting calls and numerous letters daily and we filed the Consumer Reports complaint, we did that, they closed it saying unable to get AUTHORIZATION from CONSUMER. Are you kidding me. They know they screwed up bad: Ignored Federal Court ordered payment of $275. Charged off account with no real cause. No notification of Charged off as required by law. No Collections, foreclosure so, late notifications, past due notices, nothing. We asked for payment bills every month for last 5 months get nothing. I have talked to 13 different people at Wells Fargo and they all say the same thing.

We just got 3 more letters yesterday the 4th of November and one of them also contained a copy of a letter from 23 Aug. I got that already. We asked for loan documentation with signatures and got a big Manila envelope with crap about our 1st Mortgage and most of it is Allstate insurance junk. They sent our Social Security numbers using public mail, they did redact it, so now someone might have those... This comedy show continues. In the meantime we cannot refinance until this is fixed. 9% to a VA loan of 3% would save us $1,100 a month. They have dragged this for 5 months, $5,500 wasted... I got a lawyer looking into it now and I refiled my complaint calling BS on the first one's response...

The joke is that WF denied our recent application for refinance indicating "Program Name; Proprietary Fixed-Rate Modification: At this time, you do not meet the requirement of this program because: Based on the documentation you provided, your current financial situation shows that you have the ability to make your mortgage payment." We didn't ask for a payment modification! We simply wanted to resume making our mortgage payments and working something out with WF for the back due amount. To make a long story short, I lost my job in Feb 2014 & at the time we couldn't afford or payments. It's obvious that we can now but instead of taking our money, WF will auction off our home of 13 years where we've raised our two daughters, on December 2nd displacing a family of four in the pricey San Diego market.

I am unable to work due to an ongoing illness & a move at this moment is unthinkable. My daughter is a junior in high school & in order to keep her at the school she's happy in, we'll have to move to a neighborhood in that school zone that's unaffordable. WF has been the worse mortgage company I've ever dealt with! The Home Preservation Specialist Adam ** indicated that another option would be for us to liquidate & with our daughter attending college full-time, driving a vehicle that's been repaired constantly and is on its last limb, we don't own any real assets! WF is a joke!

Updated on 09/24/2018: We've been trying to save our home for five years and finally hired an attorney to investigate Wells Fargo's practices. Finally, Wells Fargo promised to provide a "Good Faith Review" of our loan if we drop the pending litigation which we did. We submitted all of the documents to Wells in April 2018 and never heard a single word from them nor did they respond to my attorney's requests for an update. They never once asked for bank statements or proof of income after the initial paperwork which proves they didn't hold up to their part of the "Good Faith Review" and broke the law by not notifying us in writing. September we get a phone call from a real estate agent looking to short sale our home before the bank sells it on October 10th and we're devastated as this caught us completely off guard! I understand that by law the bank is required to notify you in writing of a denial or approval of a loan review and they didn't.

Wells Fargo now refuses to refund my appraisal fee because "it's not their policy". The issue is with the representative stating up front on a recorded line that the fee would be refunded should the application be disapproved. After multiple calls escalating the issue up the chain the issue has not been resolved. They refuse to do the right thing. There is good reason for their reputation to be in the garbage and I should not have been surprised by their unethical practices given recent news reporting and the termination of their CEO due to documented theft and fraud of unsuspecting customers. Wells Fargo only cares about their bottom line and cares absolutely nothing for the customer. I am appalled by their actions and will be sure to take my TWO separate real estate loans to another company so they can pay a whole lot more than $500 to get them back. Stay well clear of this fraudulent and unethical company.

We are not broke, we have the finances to payoff this reverse mortgage and we have another bank approved loan waiting also for the payoff number, so they can wire the money to WF. And yet WF is so poorly managed that, the person who said she was in charge of our account, has not responded to our request. Her phone voice mail is full. We heard from another person, who was assisting the case person. I totally understand how other WF customers feel. This organization, its executives and mid-managers are responsible to no one. Not Congress, the SEC, or the Justice Department. It pains me that the US government protects these malfeasance actions of WF and its disruptive behavior to the American economy.

They denied me due to income but were quick to send people to the house to take pictures of the home. When I called them they said it was to make sure the house was in good condition and that I live there! I immediate called my home specialist and he told me very calmly not to worry that we could file an appeal but I had to wait until the notification came in the mail. I waited and then submitted all required documents. I submitted an email and he wrote back a short note stating it had been submitted to the underwriting team. I never heard from him again and when I called they had informed me that yes the documents were put on my file but that I had been assigned a new home preservation specialist. The same day his letter arrived in the mail introducing himself was the same day they denied me of my appeal which he downplayed and told me I was going to re submit all the paperwork and that it should be approved for modification.

Only problem was the paperwork he asked me for was different than the paperwork I had originally submitted. Something is wrong when I asked them or told them I was going thru the process of appealing my social security but he asked me to fill out a form stating I was actively looking for work. After I told him I was under vocational rehabilitation program for the next 4 years. I asked them about the amount I had accrued and he told me I was going to have to come up with the money to make it less than 4 months delinquent in order for him to help me. Now I am going to have to borrow a substantial amount to try and get current on 6 months they made seem were going to put the balance on the back of the loan.

The branch then called Wells Fargo mortgage to see if the issue could be resolved and the insufficient funds be returned to me. The mortgage company insisted that I had set up a auto pay for the very next day (which I did not do nor did I ever set up!). They said there was nothing they could do at this time so I had to pay the insufficient penalty because "their system never makes such mistakes" A few days later they DID IT AGAIN & THEN AGAIN. This whole time I am making them aware that the payment was already made. The branch Manager informed me that there was nothing they could help me with. In the meantime I now have accumulated late payment fees of $15.00 on a mortgage payment that was paid on time as well as a total of 115.50 insufficient fund charges made to my primary Bank account.

Wells Fargo mortgage will still not look into what may have happened in error nor do they intend on reimbursing me any of the funds charged. This caused me much stress and frustration running from my primary bank branch to the Wells Fargo branch after having major surgery and having no choice but to drive to the branch because when I called I received no callback nor did I get no resolution. I truly wish I could change mortgage companies because now I have to walk into the Wells Fargo every month to make my payments because I don't trust them to do the right thing in any circumstance.

Today is Friday and we have hurricane Matthew making its way to our area. Two days ago I received a call from my insurance company stating that our house was no longer covered for wind, hale, and flooding because the policy wasn't paid. They had sent notifications...to Wells Fargo as they were supposed to pay it from escrow and they failed to act. We have spent the last two days contacting Wells Fargo trying to get them to move on this, going back and forth between our insurance company and them. Wells Fargo is absolutely worthless. I finally decided to just pay the policy outright to ensure we are covered for the storm and will probably spend the rest of the month dealing with Wells Fargo getting this corrected.

Everything with Wells Fargo is inconvenient. Their representatives are not knowledgeable, nobody takes the initiative, and it seems they do everything within their power to make making a payment difficult. I absolutely loath dealing with them. Of course it stands to reason that they would let our insurance payment lapse days before a major hurricane. Just terrible! Avoid these people at all cost.

I was only looking for an interest rate reduction, not a principal reduction. I was aware that if I passed on the deed back or the short sale that I was to potentially facing foreclosure. They issued an auction date of April 11, 2012 on one and May 11, 2012 on the other. But again, they said I should have no problem being approved since I had already submitted the required application and proof of income. I was assigned a case manager and now I had to wait.

I would contact the case manager and EVERY time I called it went to voicemail. The voicemail would always say that they would get back in touch within 24 hours during normal business hours. I would wait 7-14 days to get a call back. When I finally did, I was told they had not received additional documents that they requested, which I had already submitted as soon as they requested them but somehow they seemed to not have them. Whenever I sent a fax the case manager would say to call 48 hours later to "make sure they received it" and again, it would go to voicemail only to hear from them 7-14 days later. And time and time again they would re-assign me a new case manager which required nearly beginning the process over again, or they would deny that they had received any requested documentation and ask me to resubmit, even though I ALWAYS put the case number on every document.

I was once informed that the turnover was very high with case managers because they were EACH responsible for over 100 cases. After desperate pleas, my case was reviewed the day before it was to be auctioned. They reviewed the case less than an hour and said I was declined. Unless I came up with the back mortgage payments and interest and penalties, I would lose the home. Well, the fees and charges were too high and since I lost the first one, I discontinued my attempts at the second. I tried pursuing this legally after it happened but I thought for such a long time that this was just something that happened to "me." Recently it has been brought to the attention of the nation that Wells Fargo had an internal culture of unethical business practices against their customers.

This has DEVASTATED my credit for 7 years! I am a respectful citizen and business owner who cannot buy a bigger home for my growing family because of these foreclosures. I cannot expand my business because nobody will give me a business line of credit. I just want them to be held ACCOUNTABLE for all the horrible things they have done to consumers.

Next WF made me reapply and took 10 months to mislead me into a "non-hamp" which did not lower the interest from 5.125%, did not disclose the full payment amount or the fees that they added two months later to the tune of $2,700. Oh yes the home preservation fees for inspections they never did were on the list too. The bank has now settled a $25.5 million suit for that deception and we'll all get about $25 bucks for the scheme that stole millions if not billions. It's also a violation of the Truth in Lending Act to not disclose fees and payment amounts in a loan, and under this violation the court has authority to cancel the debt. So the court ordered WF to get it right or face trial. So they immediately made an affordable payment of $787 per month and their attorney told me by email I needed to pay directly to him. He was in court so I saw the guy and had to trust him since he was under court supervision.

After five payments no terms and no modification were offered despite my complaint after I made the first three. They attorney was removed from the case and a new bank specialist stepped in because I refused to pay anymore and demanded to know what had happened to my five payments. Two months later I get a written modification. I learn that all my payments were applied to the fees and costs the bank generated for the seven years they denied me a HAMP. They turned my $67,504 debt that I owed when I applied for a HAMP in 2009 to a $131,000 new loan amount. It showed that the bank treated itself to $30,000 for wrongdoing and not complying with HAMP. They rolled in $24,000 of excessive interest. They were supposed to lower to modify the payment 7 years ago. And they added in $6000 in fees and other costs beyond the five trial payments they stole.

What is sick is that I've been dragged through two foreclosure hearings over seven years. I'm still in court trying to keep Wells Fargo from stealing my home. I suppose I could have agreed to the new lower payment as long as I participated in fraud and let the bank get $30,000 by violating HAMP for seven years. I'm sticking it out in court to get justice. I have made it for seven years and the judge seems to be aware of what is taking place. Through the experience we've all learned that Wells Fargo can't be trusted and has a proven record of deception and dishonesty.

The fraud is so huge that even the current congressional hearings are revealing that the bank needs to be criminally investigated for fraud and the bank needs to be shut down. I am continuing the fight in court not just for myself but to hold this monster accountable for the despicable damage they have done to millions of families. They have stolen homes for profit and inflated the value of distressed mortgages by generating excessive interest and fees by fraudulent means. The fraud that the Congress is revealing runs broad and deep in Wells Fargo and they are finally starting to unravel a case of Racketeering that is going to explode and the fallout will be epic.

As much as this broke our hearts & savings, we moved down the street asap. We have spent thousands over the past 4 years because they just stopped doing anything. They have just let the house sit... In our name. The HOA has cost us a ton. Our lawyer is costing us a bunch and is as baffled & frustrated at WF's B.S. Even she can't get answers from them. I believe it is a fraudulent loan that they are covering up... How else would they even loan over $100,000 more than the house is worth from 2 people that combined made $110,000 a year? I have 'heard' that the banks are all 'sitting' on foreclosed homes to avoid another bubble burst. There needs to be a class action suit on this because I'm sure we are not the only one's they are doing this to.

One lady when I was making payments sent me a foreclosure. When I finally got hold of her she said it was a mistake. When I left them know husband was at a new job. I did not hear back for a while. Then when I called I was told they would not accept payments. So again I waited. Then I had to fill out a lot of forms. Then was told I was approved for a modification. Was supposed to sent more money. For 3 months this was to have my house insurance, tax in. Then I will get modification. After reading all this this scares me. Also many years ago we had to fill a bankruptcy. For 7 years they put on credit report a 0 balance. Yet we paid a mortgage payment every month. They said this was correct how they report. No one touched us for a refinance. Also I do understand about calls. I had to sent letters to stop.

Original Review: Sept. 30, 2016

I can't write anymore because I have written so many letters to every place possible re: the fraud WFHM has committed. It's been hundreds of pages to my local senator, The OCC, CFPB, Attorney General Office, their board of directors. I have serious issues with trying to complete a short sale and got a contract and at the same time it was lie after lie after lie. There is fraud being researched and they are forcing me into FC when there are so many government programs avail in many states. I was current and paid ahead 3 months and called them letting them know I was concerned because so many things have changed and they didn't offer any options because I was current!!

This has turned ugly and they have the worst people that work there. They lie and make false promises. For me to avoid a FC and sign my contract and have a SS yet I did not based off the several inaccurate things I was told about their process/relocation money on and on. I encourage all to contact their exec offices and file a complaint which doesn't do much but still it's formal and take notes and FILE WITH THE CFPB! You must! They lost my files, don't know if coming or going, stopped mailing me my statements the second I missed a payment and after 7 requests still no statements. They held them on purpose and said they sent them and they lied and let's say they did which I never got one but got ugly letters daily from them when I called all of those times they needed to mail! Please know they have scary issues and will FC on anyone and I read some stories and feel bad for all of us.

First, my folks bought into a development in Florida, gated golf course community that required a deposit. 3 years later it went to closing (The development was partly finished and the home was now ready for closing) and the value of homes was down. To keep the prices inflated Wells Fargo in cahoots with the developer because there is no way in hell the value or appraisal for the original value could have even come close to justify the value of the property or the combined loans. To be clear the process was started in 2005 with the developer, closing was 3 years later. SO Wells Fargo at closing provided a mortgage for the real value of the property and an equity line for the remainder amount of $75,000 both at closing so the mortgage in full would cover the prior value of the home before prices started falling.

Fast forward a few years the value is significantly lower by at least $100,000 (we are talking close to $300,000 all in at the peak). My folks called first to look into and were contacted by Wells Fargo after looking into the then HARP program. They were led to believe they could do it then were talked into refinancing, after being told they would be approved. No problem. The process cost them $2500 and two months to get to this point. They were then denied, talked into refinancing. On the refinance, closing costs collected by Wells Fargo was over $6000 after they would not accept the income from father's retirement for the Harp change prior. At one point Wells Fargo stated they were not the one that collected the $2500 or stated that HARP would be approved.

Fast forward, more time folks decided to let the place go because they were also being taken by the developer who had made promises, collected community monies of $15,000 for clubs and amenities only to have the company sell to another and all those things go away and they were now $100k underwater on the home. My folks after court hearing and attorneys broke even with the developers lawyers and aren't allowed to bad mouth the developer crooks that stole from the initial deal. Anyway, back to Wells Fargo. Well they had equity in the home above the first actual real mortgage after 5-6 years of making payments. They sought out an attorney for short sale foreclosure proceedings.

At this point they had tried HARP, (HARP was supposedly going to lower the monthly expense so they considered staying anyway) had an attorney, went the required 4 months with holding payment for Harp, then was harassed by Wells Fargo, talked into making the catch up payments and interest, penalties of $12,000 then sent to foreclosure anyway. The house was sold by Wells Fargo quickly because it actually had equity from the first loan they foreclosed on. They are now without that home, the equity line portion of $75,000 still exists and Wells Fargo calls all the time nonstop wanting to collect on the $75,000 even though the home was sold off and they collected gains close to $30,000 on the first loan after selling and paying off the first mortgage.

My biggest issue is two things. First there was no way in hell the home when they bought it would have appraised for the value of the first mortgage and the equity line together. Two, how can any bank provide an equity line of credit at the same time as a first mortgage at closing at the same time when no equity was available? What was the reason? Because there was no way in hell a single mortgage on this property could have been approved based on an appraisal. It should not have even been possible. My folks are now closer to their 70's since this transpired.

Along the way, they made all the payments for the mortgage entirely and completely, then led into Harp Hope collected $2500, scammed another $12,000 once they were led again by Wells Fargo through 4 months of Harp requirements, then re-financed + $6,000 being directed by Wells Fargo. Along the way even later denying that they started the HARP proceeding or had anything to do with any of that yet they collected the $2500 in fees. Wells Fargo sold the property closed the original mortgage, made about $30k on the sale of the home and left the equity line separate of which they are still trying to collect. The attorney they had who "does these all the time" collected $4200 from them to write two letters in responding to Wells Fargo equity line wanting to settle for another $30,000.

In my opinion they were preyed upon start to finish by everyone. Wells Fargo providing a $75,000 equity line at closing in Full (two full loans total) in addition to a first mortgage at closing on this home when there is zero chance the value of the home was $300,000 (or $299k or around that) is what disgusts me the most. The equity line was treated as a second loan in full and its entirety along with a real mortgage that already covered the actual home value. How can you have $75,000 equity on an overpriced brand new home at closing? And combine the two for a value that no one anywhere would have put their name on for an appraisal. It was fraud! Start to finish fraud! It's not worth my folks doing anything anymore as they are out thousands. Are elderly and are just cutting their losses and accepting the ruining of their credit.

I went to WF in Austin, Texas on 9/6 to pay the escrow shortage of $252 which was refused. I sat at the WF branch on 9/9/16 from 3:45 p.m. until 6:10 p.m. with payment in full to bring the mortgage current as displayed on the mortgage account website and payment was refused. I spoke to Taylor in the WF Executive Office who said that they would not take payment, that the back office attorney was adding charges, they created the foreclosure case that afternoon after my brother and sister tried to pay, he said we would have to wait for a reinstatement quote which means that Wells Fargo can continue to add charges while refusing payment in full. It is now 15 days later and fees are continuing to add up, but no disclosure as to what fees and for what reason.

I feel that because there is equity in the property and PMI insurance that WF is blocking a homeowner who has paid mortgage payments on that property for over 20 years and forcing a foreclosure. These are unfair and unethical business practices that Wells Fargo is practicing. Does Florida need more foreclosures? How much did WF receive for bailouts? I will be happy to provide the printouts from the website with the amount needed to bring loan current on it and I have bank employees and ID number of those I spoke to as well Wells Fargo stamp on the escrow check that was refused. We have filed a complaint with the FDIC and will continue to fight.

My personal experience although far less harmful than foreclosure was very bad for myself and my family. Having lost my job in late 2007 I struggled to keep my car which was our sole means of transportation (myself, wife and school aged daughter). We fell behind one payment and our insurance was lost for a short period of time. As could be expected Wells Fargo placed insurance on the vehicle. I made arrangements and was happy to find that they would extend the payment and drop their insurance since I had already corrected that issue on my end. I thought at this point that everything was fine. I had brought the payments current and was fully insured. Even better than that I received a letter stating that I had overpaid for the insurance and that amount would be credited to the account.

This had all occurred over approximately a six week period of time. Fast forward just a few days to my next statement and I am being billed for the total amount of insurance plus my payment. I knew this was a mistake so I called for the first time of many calls and correspondence to follow. The end result was the same as many people have stated in regard to mortgages and fraudulent accounts of late. No help from Wells Fargo. This would not occur if management at all levels did not allow it and most likely encourage it. Of the 5300 people that lost their jobs I believe that most were victims of poor leadership and corporate wide mismanagement at the expense of everyday hardworking people.

The end result with my car was simple. I had family who helped out with a car to replace the car with Wells Fargo. I took the hit on my credit score. The sad part is that the replacement car cost more than just paying the made-up balance to make the loan current. At that point how could I trust that they would not repossess the car after I paid them the money they say I was behind. And even more harmful is that people do not believe that Wells Fargo would be that wrong in their actions. I lost my car, and a company like Wells Fargo would never treat people like that. I must not be telling the truth. All of these people that have written posts here are victims. Most if not all harmed far worse than myself. It makes you wonder if the stage coach robberies of the old west were inside jobs.

She wrote down two of my credit card number in a notebook, promising to destroy them when she processed my appraisal fee and loan app fee in a day or two? (yes, I cancelled the cards). She did not warn me in advance that I would have to pay over $700 just to make an application. Instead she took all of the required documents (way more than anyone else) and then requested the funds. No forewarning. At the very same time I started 2 refinances with Quicken Loans, I was told that no, that number on my tax return (a roth rollover) could not be used to qualify the loan and I would have to go HARP and yes, I would qualify. Problem with the HARP program is that it has to be processed with the current mortgage holder.

Thus, I was truly stuck with Wells Fargo. I had no option to go anywhere else. I presented this information to the Wells Fargo mortgage banker as she was still trying to qualify me for conventional, and she got mad and said "Well, why don't you have them do your refi then." Seriously, I had to explain to her the requirements of the HARP loan and that Wells Fargo had to do it.

I called the 1-800 Wells Fargo number a total of 3 times over the course of these first 2-3 weeks of trying desperately to work with her to request a replacement. My first two calls were completely ignored. They had promised to get back to me... nothing. The third time I asked to speak with a manager as I had already called twice before and nothing had been done. I was assigned a manager from the 'executive' branch who held my hand through the following/additional 2 long months of this process. He couldn't really do anything but check on me and light a fire under some people when they weren't performing. Each time I called to get him involved I'd receive upwards of 5-7 emails or calls from people who swore, that although they could not answer my questions or do anything they were all over it... And then nothing. I'd have to call again and again and again. This went on all summer long.

With Quicken Loans I had exactly one person to deal with, answer questions, collect documents, assist me through the process and also offer advice in how to deal with Wells Fargo (I'm so grateful). With Wells Fargo I dealt with a total of 22 people from start to finish. Each one, it seemed, more incompetent than the previous and nearly all of them lacking any customer service skills.

From start to finish it was suggested, offered or advised that I withdraw my loan application (mind you, $700 into it and with additional expenses nearly $3,000 by the end). They seriously did not want to refinance this loan... Oh, and why would they? They were holding a $220,000 mortgage at 6% and had me by, well, the seat of my pants. I was going to put a huge amount of money toward the principal in the process of the refi (Thank you Mom. Inheritance.) and reduce my interest rate to 4.5%, taking my payments from over $1,300 to about $841. Clearly this refinance was not in their best interest. Clearly they did not want it to happen. Clearly it was a federal directive, via HARP, to make good on their past history. Their penalty box.

Some history: I have a huge credit score. I didn't even know they went that high. I'm not silly... I took the original loan in Nov. 2008 with anyone who would write it. I was turned down 3 times. It was the only loan I could get. The interest rates at that time were running in the 5%-5.5% anyways and as an investment property I would get hit with an additional .0.5% risk anyways... It wasn't good, but it wasn't way out there either. I intended to refinance just as soon as I secured the property. I lost my job in early 2009, the same year I turned 50, and have been holding on by a thread and unable to find employment. I always made my payments on time. I never got behind. I did not get this loan with Wells Fargo, they bought the loan almost as soon as it was issued. No job. No refi. I was stuck.

I met every deadline. The appraisal came in and I waited for someone to contact me... It was the final piece. I had stalled the appraisal and demanded that every other piece was in place before we proceeded with the assurance that the only thing that could trip up the refi was the appraisal. I knew full well that after having made an initial down payment of over $50,000 and paid on it for 8 years and with the improvement of the housing market that it would appraise. I didn't want to pay for an appraisal if the loan was not going to be approved. We had discussion after discussion after discussion after discussion about this...

They took the money for the appraisal in the beginning of May. The appraisal was done in end of June. It took them that long to do whatever it is they have to do. I was on point the entire time, ready, waiting and responsive to every request, deadline, appointment, document, etc. When the appraisal finally came in it sat on someone's desk for 2 and a half weeks. I finally called. It took them another week to retrieve an underwriter's acknowledgement of the appraisal so that we could proceed. Grrr! What number are we on?

I have/had a zero interest ecology loan for new windows via the local utility for this property. They were nice enough to put a lien on the property. They would subordinate that loan, balance $1,300+. Wells Fargo refused... Why? We'll never know. I had to pay it off. One more stumbling block. Thank goodness I had the money or it would have all fallen apart. (Before appraisal... that made them mad... they didn't want to clear title until after the appraisal at my cost.)

The loan lock expired while they drag their feet and failed to close the loan. In the interim the interest rates had fallen. Did I get the new lower interest rate... No! Final closing docs/figures. Wow! What a battle. I wanted to adjust what I was bringing to closing... Bring in a little less, move the payment up slightly... Keep some in savings just in case. It practically turned into a federal case. They refused to adjust the numbers, claiming that I had been the cause of everything that had delayed the loan process to this time and we would miss the current end of July deadline and inconvenience them. Disgusting. They won this one. It took them more time to ignore and argue about my request than it would have taken them to process it. (Maybe?)

Closing: Several people called in the days prior to final signing to make sure everything was in place... I was completely furious by this point and assured them that I would sign absolutely anything that landed on the table. And I did. They had changed my address to my friend's address where I had happened to be staying when the final docs were issued. In future all of my bills might go to her, not me. Perfect!

I wait, now, 2 months later, for a final accounting. Anyone who knows anything about this knows that after all the docs are signed and numbers punched in there is always a final reckoning which always results in a check to settle out the dollars that were not needed to close out the old loan, pay off this or that, etc. The two Quicken Loans that I closed weeks prior to this, that went like clockwork and closed on time. Each had final payouts of over $1,100. This one zero, zip, nada. I was told that Wells Fargo is just that good at nailing down the figures that there wouldn't be a final payout. Really? The costs, payment, etc. were all exactly as stated on day one of the loan application even though the loan closed 15 days past the stated deadline and with one additional payment. They must be clairvoyant or just total crooks.

Perspective: First contact 5/9/2016. Closing 8/30/2016. Complaint filed with FDIC, OCC, etc. shortly thereafter. No outcome yet... Aside from one call from Wells Fargo to advise me that they would be calling on 'Monday' regarding my complaint... No call came. I'm shocked. In short (probably too late for that) If you have any other option, any, DO NOT GO WITH WELLS FARGO. They are absolutely INCOMPETENT. THEY SHOULD BE SHUT DOWN. They are not providing us a service. Have you seen the list of fines they've gotten for a variety of indiscretions in the last 1.5-2 years? That should be warning enough to you.

Next since we inquired about the HAMP program they were required to pay our property taxes and create a new escrow account increasing the payment to an amount unknown at this time. We had no idea the mortgage had been sold as a Mortgage Backed Security with HSBC as the trustee and Wells Fargo was the Servicer for them. Next we appealed the decision now, it's "you do not qualify," At the same time along with the denial letter is an exterior appraisal that we did not request.

Then we get a call from a Executive Resolution Specialist (AKA Professional Paper Shuffler And Stalling Artist) who is addressing our concerns. I could have wrote his report for him. Wells Fargo is as pure as the driven snow. I asked why an appraisal was done on our home on May 2, 2016. He has been checking on that for over a month. I found the address on the appraisal and called that office this morning 9/22/16.

After going through 4 levels of customer service reps that could not tell me why this appraisal was ordered. I was transferred to the President's Office. His representative gave me the same old story. He said he would have to refer my question to: If you guessed the Executive Resolution Specialist you're correct. They could not answer the simple question, "Why was my home appraised and who on the 3rd floor of your office requested it and paid for it?" I would not use Wells Fargo to finance a Kiddie Car. So 4 months after being appraised no one knows why. FYI appraiser will not respond either. We are going to pursue a Quiet Title action for all the misleading and delaying tactics of which there are many. Do not take anything they tell you as truth,

They are the rudest, worst bank ever and once I stay current and can go to a different bank I am going to do it. I don't think it is the fault of the people calling. I think that they are probably being pressured by their superiors to get money from their customers like they were pressured into opening accounts that were not authorized just to keep their jobs. I know people behind on their mortgages for 6 months to a year and they tell me their banks don't harass them like this bank does. I saw on the news all of the unethical things they have done and they should be ashamed taking advantage of people who are just trying to get by. I have already spoken to other banks and once I stay on track for a while I am going there with my mortgage. I highly recommend everyone do the same.

When she called them and gave her personal information, Wells Fargo hung up the phone on her. She is a disabled senior and cannot get to the bank. The other day, they told her if she sold the house, she won't get anything because they have to pay what she owed. They have her paying almost 3 times more than what the house is worth. This is making her sicker.

Original Review: Sept. 20, 2016

I was denied a modification with WF 3 years in a row. WF would not let me out that pick a payment loan. That I was tricked into anyway. So, I stop paying them and was just ready to let the house go. So, I stopped paying for 4 months. I really value my credit. So, I hired a law firm to handle the Pre-Foreclosure. Law firm was able to get me out of the pick a payment loan and got a modification. So, my house only was worth 68,000 but, my loan amount was 144,000. Wow. So, once I closed on the modification. I was informed about a year later, they sent me a letter telling me that they left out some very important information on my closing docs.

So, I called them and they inform me that I was being sponsor by somebody I never knew that, and once I pay off my loan with them that, I still owe my sponsor 44,000. So, now my loan amount is 188,000. How are they able to do this? And they never sent this information to me in by mail. I had to call them to find out what important information left out closing docs. Can somebody please help me. How they get a sponsor without informing me. So, if I default on my loan, then my house is his/she... Confused...

On September 9th I call Wells Fargo to let them know I was mailing check for $12,000.00 and which address to mail payment because of due date and was told because date expired the check would be return. I ask to speak with manager to see if they could make any exception. I was transfer to home reservation manager who to me no offer was mail and the loan at in Foreclosure statute. I offer to fax letter, then the letter magically appear in the system with offer end of August 31st. Again I asked to fax my version of their letter. I was then placed on hold.

After an hour and half of speaking with different specialist and getting different informations. I was transferred to foreclosure specialist but to no avail. I heard to same thing over again. Finally she said she's sending an email to the manager, to asked if they can make any exceptions. I receive a call from Erica in the complaint department. I was told that she would review my case and get back to me by September 23rd. However to I receive two letter a payoff statement for $199,000 and another reinstatement quote of $18,000.00 due by 10/10/16. I immediately call Wells Fargo and was told I request a pay off statement. I had two heart, pulmonary embolism and recently had a stroke in March, my chest was throbbing and I felt like I was spinning. I'm in a nightmare and I cannot wake up.

"Jesus" I now have a new specialist because Dennis moved to a different department. I won my appeal with social security but in order to do another loan modification I need a award letter, which I did not received. They refused letter from my disability lawyer and I'm now at a cross road. Wells Fargo correspondent states call if you need help and you get when you do are run around and people with monotone voice saying, "Your reinstate amount is --- you're in foreclosure and there's nothing we can do". They rather refuse payments and forecloses property and take equity than working with customer. Shame on Wells Fargo, worst company ever.

I questioned why she needed the money and she advised she was broke. She became angry with me for interfering. Mind you, I still did not know I had been added to the deed. To make this a much shorter story: I never received any documents to sign and the loan was approved without my inclusion. The gentleman moved in with my mother, stole all her money causing all her check payments to bounce, etc. Sometime later, the original loan company was apparently purchased by Wells Fargo Home Mortgage. Due to non-payment of the loan, WFHM moved to foreclose on the property, suing my mother and me. This is the first I became aware of a loan being taken in my name. Conveniently, the original documents were lost.

This was the beginning of a period of pure hell in that I had to give up my life in Ca. and relocate to Fl., where I became my mother's full-time caregiver because it turned out she was suffering early or mid-stage dementia. I was able to find the copies of the loan documents with this man's signature on them and pressed elderly exploitation charges against him with the local sheriffs office. They presented the case to the states attorney's office who refused to prosecute. As well as the sheriffs office and the state, I was in contact with the state department of Children & Family's, the state department that oversees the banking industry, who felt strong enough about my claim to pass my complaint to a regional office in Houston, Tx., as well as attempting to find any help anywhere, including my congressional representative as well as one of our two senators.

I tried to work with Wells Fargo to obtain some sort of payment plan as I was not able to work because of my mother's illness. We were trying to live on her social security plus a small retirement amount. I have been re-chewing this cud everyday for years because, to this day, not one of the entities mentioned above have ever explained why the perpetrator of this fraud got away Scott free and I was forced to pay back the loan. Most all of the above is documented and I still have those documents. And what I have written today is only a portion of what I had to go through to be where I am now. In light of the latest news regarding Wells Fargo Bank, I am now raising my head to add to the destruction of WF's reputation as well as the corruption of the agencies that exist to help citizens who have been exposed to this type of fraud. I also intend to contact the Federal agency that has since been established to protect consumers.

Before relocating to Fl. I had many conversations with law enforcement and DCF via phone and emails. I still have the emails. Because I was unaware of my mothers illness before I relocated, I was trying to get this man away from her. Hindsight made me aware that at least DCF should have realized that my mother had dementia. As a untrained observer, I was certainly made aware of her condition as soon as I was physically reunited with her.

When we asked about the modification, I SPECIFICALLY asked her, she who is recording all phone calls, what happens to the balance of the amount due for each of those months. She said that will be added to the life of the loan. I said "great, so instead of being paid off for instance in January 2040, it would be April 2040." She said "correct." Fast forward 4 months... We receive a letter saying that there is a balance of $5,876.00 due by September 8th. Of course, this starts our circus of phone calls, emails, run-arounds, and wild goose chases.

The person we were dealing with said that he signed something saying that he understood that it would be due in September. I asked her to get us a copy because I have copies of everything that he signed and nowhere in there does it say anything about when it is expected to be paid back, so all we have to go with is the recorded call that they record saying that it was due at the end of the life of the loan. She said that we need to fax her a request because she can't accept the request over the phone or by email.

Let me say, I do have the money to pay this, and if they can produce this signed piece of paper, I would be more than happy to pay it, but if they are wrong, why do we have to suffer? Meanwhile, we wait and accrue late charges and interest because they will not let us pay this month's payment until everything is paid up. Every email to them would be followed up with a call within 24 hours during the hours that we told them he could not answer saying that they cannot accept any requests from me because I am not on the account. I wrote up every email and sent it to everyone involved and then my boyfriend would hit reply to all and write "Please see my request below..." So it was from him...

After about a month and a half of emailing and calling and leaving messages with her, her boss, and her bosses boss, she finally said, "oh I can't do that... You have to fax that request over to our customer communications department...." At this point we are dangerously close to the Sept 8 deadline. We asked for the fax number because it is nowhere on the website, and she gave it to us.... We faxed the request over again, along with a request to give me ability to communicate and make decisions on anything pertaining to his account. Throughout this time, every time that we could not contact our person, her boss, or her bosses boss by phone, we would call back in and speak to anyone that would answer just so that we could make sure that our requests were being entered into the system and that something was being done.

Well, since nothing ever got posted to the account, I googled the fax number and although, it did belong to Wells Fargo, it was to the wrong department. Finally we got someone that was being slightly friendly and helpful and would give me general information even though "they are not authorized to talk to me." She gave us the correct Fax number. I also googled fax numbers for Wells Fargo Mortgage and I faxed these 2 requests for 5 different fax numbers in hopes that it would get somewhere.

Fast forward again... It is the 6th or 7th... They finally got the faxes so they can now speak to me, and I was transferred to the person assigned our "case" that is apparently in the Executive Offices. He said that he is researching my case and that they have a resolution date of Sept 21. I am staying on them because this doesn't feel right and it is past the 8th so once again, I spoke with him once. I have left voice mails and messages with other people in the department over and over again and it was over 4 days and no one had returned my call... So much for the 24 hr call back.

Yesterday was the 5th day. I called and his voicemail was full so I called back and did the just give me anyone that will talk to me number and this person said that they would send a message to our case worker and that caseworker's manager. I gave them my contact info for during the day, and the only half hour I would not be available because I would be in a meeting.

The gentleman that I left the message with looked over all our documents and said, I don't see any documentation in this file that shows anything about when the modification is due!!!! Really?!?! I know this because I have copies of everything, so please just do the right thing and honor what the first person said to me 6 months ago on the phone.

A new person called my cell phone instead of my office number as I had asked them to do, and she called in the half hour that I said I would be busy. She said she was my new case worker and that she expects a resolution on Sept 21 and she will contact me then. I'm sorry, that is not acceptable to me. While they are wasting time, we are getting deeper and deeper into being trapped into a foreclosure.

I am now debating taking the money that I have to pay the balance if they can produce this imaginary piece of paper and use it for a lawyer to go after them because this is not ok that they get away with doing this as a normal practice. It is not up to them to take people's houses from them because they think the person is in over their heads. Up to this point, he has not had issues. If they wanted to force him into a foreclosure, they should have just said no to the modification and then it would be on him. When you say you can help.... the government sets these things up so that people can get help... and then you pull something shady like this, they should not be allowed to continue these practices.

So, I'm still thinking that we are going to move to a regular mortgage at year 10. Nope! Because the house value hasn't risen enough for them (short of us paying $17,000 up front), we had to be converted to 2 fixed rate home equity lines of credit (which are much higher than mortgage rates). I talked to everyone I could and nobody could help me secure a regular mortgage loan. Because the house wasn't a Fannie Mae or Freddie Mac, we didn't qualify for the HARP program. Forget the fact that we were never late on a house payment, we have 7 different accounts with WF and we have great credit. As soon as the equity builds, we will definitely be looking elsewhere. We are just stuck right now.

Then, all of a sudden out of the clear blue sky, she receives a call in September of 2016. It's the rude and obnoxious Home Preservation Specialist letting her know that the Loan Modification was denied. The only explanation that was given was that my mother's main permanent source of income was considered too low. Without any hesitation, she suggested to either have a Short Sale on the residence, or simply walk out on the mortgage. My poor 70 year old mother started sobbing, and may possibly face foreclosure.

Wow, even I was in dismay. I can't possibly think of any reason as to why they would treat a Surviving Spouse of a deceased Veteran so harshly. She is on a limited Social Security income, so of course she needs mortgage assistance. I should have believed all of the negative reviews written by other users on here from their own personal experiences. What purpose does a Loan Modification serve if they're just going to turn-down multiple people anyhow? This program should be terminated and abandoned. It's practically useless from my point of view.

About 2 months after the tentative date we began talking about closing. As closing approached the fees kept climbing, but I needed the money so I agreed. Then we had the closing call, we agreed on fees of about $700, and we closed on the loan. A few hours later I got a frantic call from my lending agent - "I miscalculated your fees. It is now $1,800, that's fine right?" I told her that I wanted no part of her loan, and I demanded they delete all the personal information they collected from me, as I assured them they would never hear from me again. Months later I am still trying to get them to get rid of my information. I am struggling, but feel better off than working with this company.

While fuming from this injustice, I found that I was mistaken in thinking my September mortgage auto-payment had been cancelled. It was paid from my other bank into the closed account. When I called on Sep 6 to inquire when it would be refunded, I was first told that it would be kept 30 days, then combined with my escrow refund and sent as a single check. I told the rep that my escrow refund was already in queue. She was not able to explain further exactly what would happen. Wells Fargo pattern is clear. They keep your money for arbitrary periods before refunding it to you. Their greed and gall are not what I expect from a bank.

The point of the call was, of course, to make some temporary arrangements until I was re-employed. I request was transferred to the Home Preservation Department. Has a nice ring, right? Well, the nice lady on the other end convinced me that I qualified for a special forbearance program. We talked about the lack of income I had and that any assistance would be appreciated. I was almost excited about this. I thought they were actually trying to help me. "Let's put you on a 6 month forbearance, and you can resume your normal payments at the end of that time", she said. Nice! Now that would be helpful.

About a week or so after the call, I received a document regarding the special forbearance. The document showed up in early February. It was in a letter format, a bit confusing, but the payment terms were simple, "On June 1st, 2014, start making your regular payments." That was it. I questioned the Home Preservation Specialist about the terms and was assured that I only needed to resume my regular mortgage payment. I signed the document and sent it back.

After the 6 months was over, I had secured a job, caught up on my bills and called to resume making payments. The payment was accepted over the phone, no problem. The next month, I went to make the next payment. The customer service representative did not want to take my payment. Slightly confused, I went to a local Wells Fargo and paid the payment with cash. The next month, I went to make the payment and was refused unless I paid all the payments missed during the forbearance period. Okay, now I was really confused. Not only was my payment required by calling Wells Fargo, now they're insisting on the full balance from when the forbearance started. I did my part, I thought. What is going on here?

The bottom-line, I was misled by the Home Preservation Specialist. I was also placed on one of those conditional loan modification programs so I could get the loan current. That never happened either. Every time I applied, I was turned down because my debt to income ratio was too high. I applied to the State twice for help and was turned down. By this time, I was so far behind that foreclosure steps had been started in the background. In June of 2015 I had to file a chapter 13 to stall the foreclosure. Now they had to take my payments. So I resumed my payments. During that time, I landed a better job. I reapplied for a modification to put all the arrears at the end of the loan. After complaining loudly and insisting on a supervisor, I was eventually granted a modification. I voluntarily dismissed the chapter 13, and the rest was history.

Now, my credit is totally screwed because of what they did. I would have rather been a few months behind and paid extra to get caught up than be lied to as I was. I really don't care what spin Wells Fargo wants to put on this. They wanted to foreclose my house and cash in on the 200k in equity I had. From the other reports and reviews I've read since, this is a standard M.O. for Wells Fargo and other banks. A practice similar to Predatory Lending is Predatory Loan Servicing. The special forbearance I was put on is a practice commonly referred to as manufacturing a default or manufactured default. They create a situation to cause a default, then they act on seizing the asset.

The really sad part of all this is that they actually pretend to care and help. Because these bank are so huge, they act with complete impunity against the consumer. Unless you have very deep pockets, suing is just not an option. If you're ever offered a Special Forbearance, run! This is a Trojan Horse designed to manufacture a loan default.

At first they were returning our calls and emails and answering all of our questions daily. No problems. I provided them with everything they asked me to. In the beginning I told them they had their numbers wrong on the Taxes of the home, the flood insurance number were wrong everything was wrong. I asked if this was going to be a problem, because they need to update it (they have recorded conversations and emails to prove that I told them from day 1), they told me no. That they would update the numbers after the appraisal was done. I paid for some of their fees, the appraisal, the house inspection, everything was done. They still did not update the numbers.

Throughout the summer I would email them and leave messages for them, and they wouldn't get back to me. I asked them to call my husband to go over the costs to close, it took them 4 weeks!!! to make that phone call and I emailed them and called them about it. No answer. There was always an excuse. "Oh it's a busy time of year" or if I asked them about a task that came up on my mortgage tracker of what it was, their answer was "Oh, I don't know, I have to find out" HOW DO YOU NOT KNOW? And plus, they didn't get back to me for days! Horrible customer service and the unprofessionalism was disgusting! My Homeowner's insurance and Flood Insurance companies left them messages so they could bind the contracts but they didn't call them back. Everything was pushed off and delayed!!!

August 4, 2016 was the scheduled closing. They had literally 3 MONTHS to update everything properly. Two days before my closing they emailed me that they can't approve my mortgage because of the numbers not being updated correctly. I was LIVID! I immediately called a supervisor. Got him on the phone to let him know because of their screw up, I am going to be homeless!! He at first wanted to correct the issue. He told me that he would push the loan through. I have ALL Emails stating this! I did everything he said. I canceled a credit card. He wanted me to get 4300.00 extra in the bank over a weekend.

I pushed the closing to a date they told me to so they can rush everything to get the loan approved. I told him being a supervisor, I do not want anything to do with the loan officer that screwed up the mortgage the first time. He kept cc-ing her on the emails. I told him I only want to deal with him. He had no respect for me in that aspect. Did EVERYTHING THEY TOLD ME TO DO!!! I have a small side business that I had to use money out of to pay for my wedding in February for. I told him this the entire time. They were accounting for that in the mortgage. He asked me for a letter to explain why I shows a loss so far this year in the little extra I get from that business. I sent him the explanation. I used the money for my wedding. He wanted me to revise the letter a few times. I did as I was told.

Then 2 days before closing BAM! "Sorry we can't approve you." He had the loan officer I did not want to talk to call me to tell me. I asked her to speak to him, she wouldn't put me through. I was done. That day I called my lawyer and a new mortgage guy, who both said I got screwed by them. I was in underwriting the same day I was denied by wells fargo. However, the sellers were angry that I wanted to postpone the closing again and killed the contract.

I am approved now, but lost the home, and now had to move in with my parents to try to find another home. I lost out on money for 2 appraisals, the inspection, and other fees they made me pay. They wouldn't let me use the appraisal I just paid for with the new mortgage company. I now have to stay at my parent's with my husband until we find another house. I actually found out that my cousin got screwed by wells fargo with their mortgage, and I am in contact with a lawyer who has many many Mortgages cases against them. I am going to pursue legal action against them as well. They are horrible and they costed me my home. I have the emails from the supervisor stating that they are getting their mortgage department more training. That they were reprimanded. Guess what... I AM HOMELESS BECAUSE OF YOU! I would love for them to pull the recorded phone calls as well. STAY AWAY FROM WELLS FARGO!

Over the next couple of weeks, they started the process. First I was "locked-in" at 3.625%. That would lower my payments about $122 per month. Two days later, AFTER printing out and signing the paperwork, I got a notice that I was "locked-in" at 4.125%. That lowered my payments about $100. I was fine with that. It would bring me back down to where I was before the raised payment. I was told it would be a couple of more days, and everything will be finalized. They called me the next day and told me they could not do anything more for me because FHA does not include closing costs to be added into the mortgage! Bull!! A co-worker just stream-Lined his FHA mortgage two months prior. It included putting the closing costs into the mortgage. As I stated earlier, this is my second time refinancing with Wells Fargo. But that's a whole other story!

We are approaching the first of the month where we would need to make a mortgage payment and interest is accruing. I gave them the tracking information and asked to email a copy of the signed delivery receipt and copy of the cashier's check. They won't tell me where to send it! We are furious! We are so nervous about them dragging their feet to post this money and there's nothing we can do about it! Once this is resolved, we will be closing all 7 of our family accounts there!!!

They started us with the best loan from WF, then kept moving us to the worst loan you can get from WF, but we just ended up having this loan not to lose the house since this whole process took 1 month, now we need to close soon. Their decision is made based on their "computer model" and they cannot accept any exception even the underwriter reviews the documents manually and see we are easily qualified. I am really disappointed with their misleading advertisement about the loan programs and would not recommend to anyone around me.

My mother passed away over a year ago. When her death was reported, we were told we could purchase house, do short sell for 90% of appraised value, or try to sell home for profit and keep the difference. Never was a will or death certificate asked for. We have yet to get any information from WF concerning this reverse mortgage. Was told a few months ago they needed will & DC, faxed it... they don't do email!!! They never received it, faxed again a month later.

Then told that my sister and I were co executors of will and they will not release any information to me without my sister authorized signature (she lives in New Zealand). Was told she could send letter stating they could speak with me... letter was faxed (still no emails) but she signed her married name. Wasn't acceptable even though her married name is what appeared on Will. She resubmitted with maiden-married name... still not acceptable as she did not relinquish her rights as a co executor and then we were told we were not co executors only representatives. To make a long story short, house is to be auctioned in October and my siblings and I are no closer to any sort of answers to any of our questions. Several people are interested in purchasing the house, but apparently WF feels the need to auction it.

So, I called them in May to check with them about a refinance. BIG MISTAKE! Do NOT use them! We were assured by them that we qualified for their HARP refinance. We started sending them our private information in May. We kept being assured by them that everything was going along fine, but could we send "one" more thing. Then the one thing led to another, then another... At the first of August, they called and said I needed to send them typed, signed, and dated "letters of explanation" stating why my previous address, which I moved from 11 years ago when I sold the house and built the one I live in now, was showing up as my current address.

So, once again I sent in what I thought they needed. We were able to set a close date of August 16 at 4:30 with a local a notary. I was called at 3:00 on the 16th by Wells Fargo to let me know that they couldn't allow us to close because they weren't getting current employment information from my husband's job, even though his work had sent his information over and over again to them. Wells Fargo was supposed to contact my husband's work to get that information. His work never was called or contacted in any way by Wells Fargo to get that information. We were cooperative in every way with Wells Fargo, even when asked for, what we felt was unreasonable information. It is our opinion, after dealing with this bank for over 3 months, that they are very incompetent, unreliable, and don't follow through with what they say they will do. We will NEVER use this bank in the future and will NEVER recommend them to anyone.

I at one point reached out to the branch manager. He listened for a moment and then when he 'looked into it' stopped returning my calls and messages as well. He also never offered a sound explanation of why underwriting was taking over 2 weeks. Then at the last possible day, I get a call saying that we would have to push back closing. This notification came 4 days prior!!! Still no explanation as to why it wasn't done on time. I called the corporate offices to file a formal complaint. Was told I would get a call back. Never did. Bottom line... Wells Fargo was too big to fail and now they are too big to give proper customer service, adhere to deadlines, and honor their commitments. I have heard from all real estate agents involved, other brokers, and other people that have had similar experiences. Wells Fargo does not like giving small mortgages and therefore drags their feet. Small customers are not welcome.

started to grow full time after he lost his job at a local hospital. The business was now showing a steady and healthy monthly income of $2,000. The business was growing because if you knew Lenny and how hard he worked, you had no doubt that he made offers that his customers were happy not to refuse. Despite the sudden loss of income when Lenny lost his hospital job, Lenny and Rosie had never missed a mortgage payment and had never been late. The high school sweethearts had faced tough times before in their 42 years of marriage. They tightened their belts, sold a Hummel collection 40 years in the making, and always met their obligations.

The loan modification was a welcomed relief because it meant that Rosie's disability income from her life-long struggle with multiple sclerosis would just about cover the new mortgage payments and the money from Lenny's business would allow them some breathing room. The loan modification had been obtained through the services of a lawyer - the third side in this unmitigated disaster in the making. All sides agree that the lawyer had played a helpful role. Lenny and Rosie, for their part, made their new lower mortgage payments under the loan modification, never missing a payment and never being late. The lawyer took care of the paper work and communications with the bank; and all sides agree things were going exactly as they all had intended.

Then suddenly and completely without warning of any kind, the mortgage check was returned. When the bank was called, Lenny and Rosie were told that they had breached the terms of the trial period of the loan modification because they had not signed and returned the final documents of the loan modification and as a result the bank was placing them in foreclosure. Lenny and Rosie pointed out that they had never seen any such final documents and the bank administrators informed them that because Lenny and Rosie were represented by a lawyer, the paper work had gone to their counsel.

Counsel was called. The lawyer acknowledged that he had received a packet of papers from the bank and, for reasons known only to God, he had tossed the envelope unopened in the ** file. He now opened the file while Lenny and Rosie were on the phone. The lawyer saw that the packet contained documents that required Lenny and Rosie's signatures. The deadline for returning the documents had passed and as a result Lenny and Rosie's had indeed breached the terms of the loan modification and the loan modification was, in effect, never in effect. Foreclosure was the next step. Upon hearing the lawyer confirm what the bank had told them, Lenny lost control of his blood pressure and Rosie's MS began to act up. Things could not be worse.

"Not to worry," the lawyer said, or words to that effect, "once the bank realizes that it was my mistake and not yours, this problem should be corrected." All sides agree that the lawyer had made a mistake, that the lawyer informed the bank of the error, and that the bank acknowledged that the error was not Lenny and Rosie's doing. But the bank also said that it was Lenny and Rosie's responsibility to sign the documents and return them in timely fashion to the bank and Lenny and Rosie's failure to do so meant the loan modification was never in effect.

Lenny and Rosie were responsible even though the bank had never sent them the paperwork. "Rules of proper legal conduct prevent us from communicating with you directly when you are represented by counsel." Is it true that the bank could not have copied the communication with the lawyer to Lenny and Rosie since ultimately the bank was going to hold Lenny and Rosie responsible for the return of the documents and not the lawyer? Apparently, the bank is unwilling or unable to see the sense of this and act accordingly.

The mortgage payments that had been made under the loan modification were applied to the original mortgage agreement as if the loan modification had never existed. That meant that Lenny and Rosie were not only behind in their mortgage payments but their track record of never missing a payment and never being late was utterly destroyed. And, what is more, they would have to qualify for a new loan modification only if their present circumstances would permit. And that would first require bringing their old mortgage out of arrears or face foreclosure! They SUCK!! DO NOT EVER USE THEM. It's okay though, President Obama bailed these SUCKERS out in the big BAILOUT. Go figure!!!

Questions such as "how are you going to pay your taxes", "how did you pay for your taxes", "where did the money come from", "what are you going to do with your business", "where did you get money to buy a new truck", "provide cancelled checks" for this and that. That was it for me. Most of these additional demands are none of their business when applying for mortgage, period. Either the underwriter is the most inexperienced person in the industry or Wells Fargo has a RACIAL and AGE DISCRIMINATION agenda. I informed the loan officer that we are no longer interested in doing business with Wells Fargo and I told him why. After that we started receiving calls from various people from Wells Fargo stating that they are looking into our concerns.

We received a final letter indicating that they had completed their "internal revenue" and did not find anything wrong with process, how surprising. However they listed wrong dates and wrong issues in their final bogus letter to us. We had already applied for mortgage with different lender with better interest rate on 7/6/2016 and we closed on 8/2/2016. No additional questions, no additional paperwork, just straight mortgage application with standard documents. Based on my personal experience I will never recommend or do any business with Wells Fargo.

When we arrived there they had all the papers made out to refinance our truck! They also had 3 credit cards from WF in our name. The loan was not what they portrayed it to be. It was what they called a band aid loan for one year at a 6% interest. In one year we could apply for a reg. mortgage at a lower rate. Well we said no to refinancing truck (it was almost paid for) and we said no to credit cards. They said to take the cards because we didn't have to use the. (These will show up on your credit report as open accts.)

Well needless to say we applied for a reg. home loan in a year and we were denied. All of a sudden we had a ratio to income that didn't match. Strange that nothing had changed in that year. So for the last several years we have this high interest rate. We tried to refinance a couple of months ago but our house for some reason isn't worth the owed price. They wanted 20,000 down payment. So that was a no go so now one of us is forced into retirement and has to have surgery. We called to get a modified mortgage because it was getting hard to keep up with payments. Well they were so excited because we qualified. But not for a low interest rate but to put everything in escrow. A big savings of about 300.00 a month but they want to extend the loan for 30 years.

We are 65 years old. Really is this a break? Got to wonder what this is doing. Every time I pay a payment I cringe. The amount of money that goes to this company from our payment is disheartening. We as a society bailed them out when they falling and they treat customers this way. I no longer wonder why people walk away or file bankruptcy. I sorry I ever went with wells fargo. Should have stayed local. We have been told this was called a predatory loan. There should be someone monitoring these co.

UPDATED ON 02/24/2017: We have a mortgage with Wells Fargo (first mistake). We had to modify our mortgage (2nd mistake) because of health problems. We were in no way delinquent with payments but knew it was coming. We applied for a modification on our loan. That was July of 2016. After many problems it finally was approved in Dec. 2016. In January of 2017 we got a 1099 from them saying they forgave $46,000.00 of our debt. We've called so many times it's stupid. No one is helping us. Nowhere does it say our loan is $46,000.00 less. We are at a loss as to what to do. If you're reading this run away from WF as fast as you can. It will be your worst nightmare. If anyone reading this has any idea on where we should go next please post. My wife just had a heart attack and a lot of the cause was stress. WF helped with that. No one solves anything earlier at this co.

On July 26th I called again to confirm cancellation of the auto withdraw process. I was also assured, multiple times, that it was canceled and that I was paid through July (paid ahead 2 weeks) so I could begin making my own payments on August 1st. I did receive some bad news however... I had been mislead regarding interest accrued on bi-monthly payments. Apparently Wells Fargo holds the first check until the second half of the month is received, and interest continues to accrue even after they process the 1st payment and the money is removed from your account! The representative apologized again, telling me I had been mislead. Okay, now I know so that's that.

On the 28th Wells Fargo tried again to auto withdraw my account! Now my bank is placing holds on all my deposits because of their unauthorized attempted withdraws! When I called in on the 30th of July, I spoke to a "manager" who said they have no access to the taped calls, that there were no notes of my previous cancellation requests, and that no matter what I was told, I still owed 1/2 month for July! Only after insisting to speak someone in a true management position was I told that someone would call me on Monday, August 1st. We shall see!? Funny thing is that when you request confirmation of issues discussed you're told they are not able to comply because their system is not set up for it... deniability I guess. I miss the days when a handshake was as good as any contract, the days when integrity, honesty and professionalism were not just vacant words, and the days when businesses did not mislead their customers.

As the weeks unfolded, every several days there were requests for documentation and papers that were never itemized initially. In fact some of the requests seemed downright inappropriate for the refinancing. So we finally got through it all, received our Congratulations letter for completion, and it was time for the final assessment. As you know, it's an assessor from Wells Fargo. We were completely floored when the appraisal came back over $20,000 lower than what is estimated value for our property taxes and $57,000 less than when it was estimated six years ago for refinancing! Needless to say the process has washed out on us and with considerable loss and lack of accountability from Wells Fargo Home Mortgage. Everyone should stay away from these people. We feel their processes were both dishonest, contradictory and rigged. We regret that we ever decided to refinance again with these creeps.

Updated 8/26/2016: Folks this is a follow-up message to my review of 7-29-2016 entitled 'Wells Farce-go.' In relation to that review we wrote here Wells Fargo consumer affairs actually reached out to us to discuss. (I shouldn't have wasted my time.)The July review was essentially about a completely nontransparent refinancing process which was ultimately rejected due to the Wells Fargo assessor valuing our home at $20,000 below what its value is for property tax purposes and $50,000 below what it was valued at last time we SUCCESSFULLY refinanced with Wells Fargo! And since that refinancing we have also put $30,000 into our house on various projects and improvements including rewiring, new bathroom, new sidewalk, new hardwood floors.

After contacting us on our July review Wells Fargo assured us there was to be a lengthy investigation towards determining why the process lacked transparency and what the issues were around with the assessment. They implied towards some positive outcome. As you might imagine they contacted us 30 days later (8/26) to tell us that they were standing by the assessment and the conclusions of their disingenuous processes. It was a spirited discussion but of course all we received was corporate spin and a load of bologna.

We have great income, great credit, and have been great customers with Wells Fargo. And this is simply unfair practices not aimed at assisting good consumers and customers but in unfairly working against them. Regardless of the facts, regardless of what is right. If you want to refinance with them, BEWARE. Find someone else to work with. We used to think of Wells Fargo as a really good American company. Not anymore. Do your research, they were fined by the Fed for Student Loan practices recently and also fined in 2011 for their mortgage practices. They don't engage in business in a way that includes integrity and values for good customers. These folks are not on the level. This was a terribly disappointing and bad experience for our household and a total waste of time.

They had an advisor that told me to file a quick claim deed to remove myself from the deed and they would in turn remove me from the mortgage. I was living overseas at the time and had to jump through hoops to arrange to have it done but completed it. They then denied they ever told me to do it and wouldn't stand behind what their advisor told me to do. I lost ownership of the house and was still responsible for the mortgage. My ex-husband eventually defaulted on the loan which is what I was afraid of and it hurt my credit. I have tried to work with the credit reporting bureaus and contested this on my credit but Wells Fargo keeps it on my credit record. Every time I have tried to work with them they have been rude and unwilling to help me, and denied I was ever told this information.

Who do they think they are? This is our home and our insurance check and we live here. It is not their home!! They should not be able to keep our money for work we do ourselves. They should not be able to earn interest on money that is for OUR home. They won't even send out someone to inspect what we have already done. They say give them the check and when we fill out a mountain of paperwork and have all receipts turned in (of course there are no receipts for work we did so we won't be paid) and then in 10 days they will decide how much they will pay us... Our own money? Is this right?

I am recovering from surgery in a camper and now we have to stop work because all the work so far we paid for ourselves and we can't keep doing that. So here we are with a half repaired home and a check that is useless. We have tried to appeal to Wells Fargo's heart, but apparently they have none... This could now drag on for months. If we had the money we could be done in weeks. I want everyone that is currently using them to really consider who they are doing business with. We will be moving our mortgage as soon as possible and will never do business with them again. Your thoughts?

After 20 years of servicing in the Navy, they had NO CLUE how to calculate (after proving with our blood type and first born worth of paperwork) this pay on their own. $55k worth of income - Poof! Non-existent due to inept and untrained $10/hr employees of this ridiculous "Bank". Heed all of our warnings: DO NOT GO NEAR this institution, unless you want to feel inadequate, worthless, and feel more stress than you have felt in your life, especially former and retiring military. Shame on you WF!! You suck!

Update June 20, 2016: Well after being promised we would get the closing, we are again delayed!!! We've been at this hotel for over a week now, was told we have to get the Uhaul back on Sat, I have no idea what we are going to do with our stuff. WELLS FARGO IS THE WORST!!! They delay, ask for paperwork again even after its submitted three times before, and at the last minute, ask for more paperwork. DON'T DO BUSINESS WITH WELLS FARGO!!! IT WILL BE A NIGHTMARE!!! I have talked to managers, executive officers, filed complaints, all trying to get our closing done, let alone on time but a week late, and still no closing. I even emailed the board of directors. Obviously WELLS FARGO doesn't care about its customers. Something needs to be done to stop this company from treating its customers this way. This is not how you do business.

The way these checks work with my bank is they actually remove the funds from your account when they route the check out in order to guarantee the check, so to me it looks like the checks are going through. The checks are getting sent only to find out 2 months later that I'm now 4 months behind and I'm getting a notice of possible foreclosure coming up. I call up my bank and they confirm the certified checks were sent but they have never been cashed. They confirm the address is the correct one in Dallas that Wells Fargo gave me but no one had cashed any of my checks to pay my mortgage. I call Wells Fargo and it's a mess, of course they have no clue that I have been sending my checks. So now my bank recalls the funds back to my account.

I ask Wells Fargo to make a one time exception just to allow me to make the payment online or over the phone to bring my account to date since I have all the funds in the bank from the recalled checks they did not cash and they refuse. They say once you are blocked from making online or over the phone payments there is no way to reverse it until the 1 year date they told me. My only other option now is still Western Union. And by the way they now say the reason they didn't cash my certified checks is because I was also blocked from sending in certified checks once I was blocked from online payments, OMG!!!

Did I mention the late fees and I'm not even talking about my credit because it is now trashed. They told me about another option of using a bank wire transfer to another Wells Fargo account (not my mortgage account) and I would call them (Wells Fargo) and give them the transfer number and they can get my mortgage paid that way. I haven't tried this yet, keeping my fingers crossed. I mean talk about a headache and the mindless bureaucracy in that bank. I wish I had never gotten a loan from them. The customer service is also terrible but I think part of it is because their hands are tied by the stupid bureaucratic system.

I was never given a list of documents that they needed. It was all piecemeal and drove me insane, even the title insurance and survey on the home--which they did 4 years ago because the mortgage is with them--now their final decision is no because the debt to income ratio isn't favorable. WTF? The underwriters don't communicate with you, only the zombie at the office who keeps making mistakes. I'm so done with this bank, I cancelled the process and went elsewhere where I was approved in 2 weeks.

Based upon this we were ready to celebrate until I received a message from them implying 'if we decide to proceed with your application.' We very upset as we had less than three weeks before the purchase agreement would expire. My real estate agent saved the day as she recommended a broker who had us approved in three weeks with terms better than Wells Fargo. It gave me great pleasure to call them to terminate my application. Bottom line grades Wells Fargo in Charlotte, NC F, Applied Mortgage in Buffalo A.

In 2011, SPS sent a demand payment for a 28,000 Balloon payment due. Since I was never given documents on the loan, I researched the county register for filings on it. The loan I had paid for over ten years had been satisfied in 2004 by Wachovia Bank dba FUHEB in 2004, because of a lost promissory note. I was not notified of the satisfaction which caused me to pay SPS for seven years after the satisfaction. After many failed fraudulent practices by SPS, the loan was satisfied again in 2012, with Manufacturer and Traders Trust Company/SPS. Since 2011, I have requested a QWR from SPS, M&T and Wells Fargo. SPS sent a fixed rate note and Deed of Trust copy, a copy of payments made from 200. To validate the loan I requested complete records from the time the loan was taken out. There is no reference on the fixed rate note to a balloon payment.

M&T wrote that they had not had the loan or received any payments from it. Later they backtracked and refuted all prior information in what appears to be an effort to aid and abet SPS. However, they cannot take back the information they wrote in emails and letter in which they repeatedly denied having anything to do with the loan. In one letter, M&T wrote that they had held Wachovia files in their vault until 2001, returned them to Wells Fargo (WF), and that SPS was the servicer. M&T wrote that they are not affiliated with Wells Fargo. Wells Fargo acquired servicing of First Union mortgage portfolio in 2000. As Master Servicer, I thought they could help. Big mistake. They were in my opinion, the leader of the pack and far worse than the others. From the beginning of my contact with them in 2011, WF engaged in felonious perjury, misrepresentations and outright lying.

WF wrote that the Juanita **, the signor of the satisfaction certificate was employed by HomEq Services. First Wells Fargo tried to divert my attention by focusing on the 'who serviced the loan'. I knew SPS was the servicer having sent them money for 11 years. My interest was directed at how to get the money paid after the satisfaction back. Wells Fargo kept writing about the servicer. First, WF wrote that Juanita **, who signed the satisfaction as vice president of, WACHOVIA BANK OF DELAWARE, SUCCESSOR TO FIRST UNION HOME EQUITY BANK NA SUCCESSOR TO FIRST UNION HOME EQUITY CORPORATION, was employed by Princeton Reconveyance Services, a vendor of Ocwen.

WF backtracked on this statement later in writing. WF then wrote that the signor of the satisfaction on Mr. **'s loan was employed by HomEq Servicing. WF reneged on this in 2013, by writing that their assumption that Ocwen as successor to HomEq Servicing may have been unjustified. Imagine? I have a verifiable list showing WF has committed fraud in responding to me about this account, in order to withhold almost 40,000 dollars their servicer SPS stole from me. Because of the stress endured by dealing with WF, I have endured both physical and emotional stress. Hopefully an attorney will handle this on a compensatory basis.

At first they were helpful but then they did not want to be involved. I could not even get the loan originator's supervisor's contact information to report the lack of professionalism I suffered as well as the offensive comments he made about the clients and the insurance carrier involved in this transaction. This whole transaction was a nightmare just as the first transaction was as well. This company has been by far the worst to deal with - it is one thing to drop the ball, but when you are lack competence and professionalism as well, what is the point?

My current home was just financed through Wells Fargo. With my banking and credit history, I thought it would be a very easy to use Wells Fargo again. It was not!! This was a very bad experience for me and caused me a lot of grief and dissatisfaction. Delays, and pushing back my closing by 3 extra days was unacceptable to me. I had to cancel my moving truck, I traded a day off from work, and missed a day of pay since I wasn't moving as planned. Having to dig out my Birth Certificate 3 days before my scheduled closing to prove who I was to Wells Fargo, was the breaking point. You would think that after 20 years they would know who I was and how to spell my name correctly.

I voiced my concerns to everyone at that office, and it didn't matter and really, no one cared. I was interviewed by Jerry **, Reconciliation Specialist. Although he sent me a nicely written letter, this did not reconcile the matter with me (and was not special). There was no apology either. This was not my first closing, I've had 5 others. This one was by all means, was the absolute worst. That is why I am "Divorcing" myself with Wells Fargo. I am using that word since I am ending a 20-year relationship with a bank I used to love. Sincerely and with no remorse, Phillip **"

Update: I heard from a very nice young lady who would investigate this matter. It took her about a month to get back with me and complete her findings. She said she was very busy....that leads me to believe there are many many complaints out there. This time I did get an apology. But I'd already closed my accounts so it really didn't matter.

My new bank is wonderful and has sent me a beautiful welcome note and a welcome package which was unexpected. They know how to do customer service! To the person who is reading this and considering using Wells Fargo home mortgage, listen to your real estate agent, ask their advice. I wished I had listened to my agent's good advice when it was offered.

To expedite the application process, we had gone ahead with the full-blown "pre-approval" instead of just the basic "pre-qualification." To me, "pre-approval" means that if you don't lie about your income or debts and can document all of it, you are approved to borrow the pre-approved loan amount. Turns out, that's not quite how it works out. Your loan originator (the person you actually talk to on the phone at WF) does the pre-approval calculations. An underwriter decides whether you actually get a loan. Loan Originators apparently do not use the same calculations that are used in underwriting, and they have next to no knowledge of the underwriting process. So, when pre-approval doesn't translate to final approval, your loan originator probably won't be able to tell you exactly why or what, if anything, you can do to fix it.

It can also be difficult to know from one day to the next who your loan originator will be. Soon after we were "pre-approved" for our loan, we were assigned a new loan originator. When I asked why, there was some vague explanation about how our original guy had mistakenly submitted our pre-approval as an actual loan application. We never got a full explanation. A whole new loan application showed up on my loan tracking web page and I started getting emails and phone calls from yet a THIRD WF person who was apparently coordinating my application documentation. Things seemed to be moving forward, but I found the constant flux of people into and out of the process to be a little unsettling, especially when they're telling me that some unspecified mistake had already been made on their end.

When we found "our" house, we knew the price was at the upper edge of our pre-approval amount, so I won't blame anyone for the hiccup in getting final approval. It was a close call and we ended up having to make a couple of changes to the loan itself to make the numbers work. However, the way the "hiccup" was handled was inexcusable. As we were heading into the home stretch on our application, I got a call from WF's loan coordinator asking for a statement verifying that we had sold our current property or had a contract to sell it. I immediately submitted a statement confirming that we planned to hold onto our property indefinitely, as we had told WF from the very beginning. Within 24 hours, the loan coordinator was on the phone telling me that they could not approve my loan unless I sold our current property. No explanation. Just an apparent 180 by WF. Loan denied. End of story.

The only reason I even bothered emailing a reply to Loan Originator #2 at that point was because he and I had already discussed the impact of holding onto our existing home in detail and we had set up the down payment, mortgage insurance, etc. to account for that. Something appeared to have changed and I wanted an explanation. A few hours after I emailed him, Originator #2 calls me at home. (Despite the fact that I repeatedly told everyone at WF that I prefer to communicate via email, they continued to call me on the phone and leave voice mails... ) He says the underwriter had determined that I was about $100/month shy of meeting the debt-to-income ratio. I'm less than $100 shy, but some kid at WF is telling me I need to sell my house to get this loan! Fine - if I'm $100 shy, I'm $100 shy. I wouldn't expect any lender to just ignore that and approve my loan just because I'm a great guy.

But, you don't sell a house to make up a $100/month income deficit. You do something else, like put more money down or find other income or something. Which was another serious failure on WF's part as far as I'm concerned. *I* was the one who ended up coming up with options to make things work. The loan coordinator thinks I need to sell my house and the loan originator couldn't seem to get off of the WF New Employee Loan Origination script. Ultimately, things worked out and we got the loan approved, but the whole experience was an unnecessary pain in the ** due to the seeming lack of experience among WF's employees and poor communications between WF and us (the customers). I really couldn't recommend them in good conscience and wish I had gone with a local lender instead.

Unsatisfying and unprofessional customer service and this is not even my first home loan with the same company. They have absolutely no respect to their customer and can never keep up their word. In my case, I specifically requested if they could close for me on a specific day. I kept asking throughout the 5 - 6 weeks period of loan processing. They were all in for it till the week before closing and oops they messed up. Late appraisal, forgot requesting some key documents - made me work day and night to get it prior to a deadline and wouldn't even tell me they were not going to make it to the closing date till I kept pushing and asking. How unprofessional and sadistic. They already ruined it for us - our journey into our new home.

And now they need more documentation. I don't mind giving the documentation but shouldn't have all this been looked at already at this point. They don't call till I follow up and now they are confident that they have no idea when they will close. I can't express what a big mistake it is to go with this company and this group especially. Will never EVER choose Wells Fargo ever again and will make sure none of the people I know do as well.

Hats off to your failed management. I can't believe you have so many people in the same boat with the same issues with same names in management and do nothing about it - just like you don't care. I am still waiting on a date for closure and my file is still being reviewed by the same underwriter who has already looked at my file a million times.

We should have been loading up our stuff and getting ready to close on our new home tomorrow on the day we chose to. I was told because of stringent mortgage loan rules they are having delays. If so why can't you say it straight that you may not meet the deadline? It would save me a big headache and I would have just chosen another bank. What happened to your project managers and planners and time checks and other stuff? Don't you all ever check that you are getting so close to the due date that you may need to speed up things a little faster ahead of time? Never going to recommend anyone to this lender again ever.

I would try to clear up some of their mistakes. They would close my application and I would to reapply. I would faxes of the same ** all the time and they would not count my income from the chapter 31 Housing allowance of 2300 and with the other income I have was about 6 thousands dollars. They said I did not qualify for anything. I hate wf. I didn't want them to buy my mortgage loan. I already know how bad - steal, lie and cheat people. They didn't want my money. They just want me to default for the longest time so I couldn't afford to pay the back payments and fees.

Since I was a first time home buyer, they told me I had to pay for the Homeowners Insurance via my escrow acct and I can't pay it myself. Fine. In the meantime, I banked with them, personal and business. They managed last year to screw up 2 international business wires!!! Took them over a week to let me know that the wire did not go through although the money was taken out of my acct and I thought all along, the wires are fine. Since I had to pay a vendor in Scandinavia to have goods shipped for my business, and because they did not get paid via wire, they did not send my goods. These were items for a hotel installation in the Caribbean. Customer cancelled due to late delivery and I lost almost $40,000 in revenues. I called the branch manager and the territory manager but no apology.

Then, about 3 month ago, I started a refinancing process with Compass Mortgage, which are excellent and going through hoops for me, and found out, although I never was late on my mortgage payments, Wells Fargo gave me 3 consecutive negative reports on my credit. It took me almost 6 weeks to have that taken care of... not because I was at fault but because WF screwed up yet again... now, almost done with the refinance paperwork, turns out, Wells Fargo did not pay my homeowners insurance on time. It was due May 26th, 2016 and is still not paid! Per Tower Hill Insurance Agent, they did the same thing last year! They mailed the check on the 18th, knowing it will take anywhere from 3-10 business days to arrive at the Insurance. The money was received June 2nd last year... 6 days late! These ** use our money to make money and pay when it is convenient for them. I hate Wells Fargo Bank!

Currently, they're in possession of my insurance check and all of the documents that you could imagine. (I send them another one every day or so, and they claim that it takes 3-5 days to process it, then they tell me that they need something else). Now, they're telling me that they won't accept my adjuster's worksheet (which they've had for a LONG time) because my insurance company hired a third party adjuster, and they're not certain that the insurance company actually used the adjuster. (Never mind that the check from my insurance company matches the amount on the adjuster's worksheet.)

One of their most common responses is to go completely silent when you ask a question, which is really great. You get to hear a bunch of dead silence, then when you ask if they're still there, you get a "Yes, I'm still here..." Also, they ask for your phone number every time you call, but they don't actually call you on it. If you want information, you have to call and ask...and if you don't ask the right questions, they won't tell you anything at all. For example, I've been talking them for days, only to just find out that they didn't accept my adjuster's worksheet - nobody has once mentioned that until I specifically asked about it...that's the way it is with everything.

I had to get the work started, so I'm paying for everything out of my pocket, and I guess that I'm going to have to hire an attorney to deal with getting them to sign over the check. I'm already over $20,000 out of pocket, and they don't seem to be interested in helping whatsoever. It's amazing! They're not even out any money; they just need to release the insurance funds! I've never seen anything so ridiculous!

After 3 days of my husband playing the communications manager between WF, title co & sellers agent they all got on the same page simply because they had no other choice. We then discover WF simply dropped the ball & we will be homeless come 5/31/16 because we had to give our notice to our apt complex. The absolute lack of professionalism, work ethic & I could go on but I won't. We will close all of our accounts with WF regardless of outcome & if we actually get to close on 31st we will ABSOLUTELY refinance with ANY OTHER MORTGAGE CO. HORRIBLE HORRIBLE INSTITUTION!

In Feb 2015 I tried to buy another house after receiving my disability and Social Security. I was approved and the day before closing I was notified that there was a problem. That a mortgage was still showing unpaid? I told the Loan Officer mortgage was satisfied and sent him the closing documents. At that point we lost the opportunity to purchase and I lost $895.00 for inspection and appraisal. We couldn't figure out what happened. In May we tried again to buy a house and the NASB Bank said that there was something on file showing a mortgage not sure what it was. The NASB was able to get us approved. On April 22, 2016, I received an alert from my credit tracker informing that my credit score had changed. A review of the alert showed Wells Fargo reporting my mortgage late and reporting a Chapter 7.

I immediately contacted Wells Fargo to ask why they were reporting derogatory information to my credit report for a loan that was satisfied. They had no answer. They referred me to their investigative department who requested copy of my credit reports. I sent two credit reports along with the derogatory information that was reported to all three credit companies. On April 26, 2016 I receive a letter in the mail from the Wells Fargo Bank stating they completed their investigation and that their reporting a delinquent notice was correct. They also stated that they placed a compliance code on the credit file showing that their investigation was completed and justified. I immediately contacted the bank asking how their investigation and findings were correct? Again no answer. I requested to speak with someone in the Corporate office (Kelly **) who explained everything that happened.

Ms. ** was shocked that I received this letter and was concerned that the Chapter 7 information and credit companies were notified. She contacted Chris **, who was assigned to investigate the delinquent reports to my and my wife's credit. I became very upset on the phone and was worried about my blood pressure as I have a heart condition. Ms. ** said she understood and would follow up. Mr. Chris ** contacted me and said that he was confused as to why I would receive that letter that the case was assigned to him and no one else should be corresponding. I also brought to Mr. **'s attention that the mortgage number they were reporting as delinquent was not my old mortgage number and I had no other mortgage with Wells Fargo ever. I have been thru tremendous stress dealing with Wells Fargo it appears that they have very poor in-house process and worse communications.

This bank has put me through so much stress and inconvenience in the past three years. That they have made me sick. I have been sick for days. I cannot be out under this type of stress by this organization. I have been sick for days now. I had just put my life back together and make sure that all my bills are paid on time to reestablish our credit and life. This bank is an embarrassment. My complaint was to be resolved on May 9, 2016 and now I am told they need to May 23, 2016?

I do not understand what they are investigating. They see a loan number reported delinquent and they see my loan was paid in full Satisfactory of Mortgage letter from the bank. How hard is it to look into the bank's on-line system and track that the delinquent number and verify that the loan is not mine. I am not a well person and all this added stress is having an effect on me. I supplied two credit reports and a copy of the Credit delinquent notification to the bank. So there is no credit fraud.

So when I went back to school due to the job market and the merging of all Ma Bell's, I decided to do it. I call the 800 number, they covered all above with me and said they would get it going. INTEREST rates were high, in 2000 and between then I watch interest rates go from 8.91 down to 5.08. They advise OK, they could convert my loan. No issues prior to the next payment being due. Great credit, getting same loan but lower, way lower interest. Well, 3 weeks later, now a payment due and loan not possessed. They flipped my FHA/NIFA loan to Fannie Mae, without saying one word and the agent I was dealing with even paid the payment that was due because I said I was not going to make one payment on old loan and one on new loan. 5 weeks later, I receive May monthly statement from a bank in VA.

When I called to question that change something I was never told about, I was only told (which I knew already) that bank do transfer loans to other but I always when they do these following factors do not ever change your amount due, total amount, terms, interest rules and regulations nor does the grantor aka HUD/FHA. Wells Fargo flipped my loan from a FHA/HUD to Fannie Mae without open disclosure as they did with so many others in 2008. They did it knowingly and willing and Fannie Mae was involved knowingly and willing and along with many deeds were lost and Reuters just ran an article about the lost deeds. Mine was one of them and it put brakes on Fannie Mae who West Fargo flipped my loan illegally to and it has taken Fannie Mae over 4 years to try and foreclose my home for no reason.

I took this to the Consumer Financial Protection Bureau and again even though the evidence was in my complaint they now say they did not do it and have not been able to contact me to explain. Is that convenient. Beware you don't get the shaft from them with a mortgage. My CFPB complaint file number is #**. There you will find all the conflicting documents sent to me from the company. BE CAREFUL.

This girl was so incompetent I could tell I was going to hate her from just the first phone conversation. This is also when the progress just stops. Every step of the loan starts taking an eternity here. We were buying a simple house that built in the 60s that was gutted and remodeled. The deal was good and we were all in and could afford it no problem. It was a slam dunk.

I paid for an appraisal and began waiting for that. The appraisal went out about two weeks later, but I didn't get the appraisal report until 3 weeks later. I've learned that Wells Fargo has something called an appraisal management company (AMC) that reviews the appraisal, manipulates the report and the appraiser until they get exactly what they want. If they want to destroy your deal this is where they do it. In the meantime, I was submitting the same documents over and over to the stupid girl because apparently she kept losing them. After a while, I just started referencing the last email I sent that had the documents in them.

These people are almost never available by phone and if you email them you would get a response. It just usually took about 24 hours. This drug on for about 2 months before they low-balled my appraisal and tanked the deal. The girl liked to tell me there is no possible way to close on this in a month. Well, my new lender did it. Closing day is Friday. I wouldn't send my worst enemy to Wells Fargo. I'm ashamed the US gave them bailout money and our tax dollars go to support this massive scourge of a company. One day they will get what they deserve. The day they go out of business I will silently celebrate. To hell with Wells Fargo!

I have only done 1 REFI and that was when I seen the RATES starting to go up? I have watched others get a 2% rate on their home? I was finally able to get my title to my car which that too was with WELLS FARGO DEALER SERVICES. I lost my woman's newspaper during 1st attempt of REFI over 4+ years ago. Oh and by the way I also was diagnosed with Ms!! I could go on and on but of course I guess better to finish my book huh? And only 52 so do not yet qualify for REVERSE mortgage either! THANK YOU!

Then they claimed "my expenses were too high" although I had a net reserve of $3,000/month that I put into my money market account. They discounted all expenses from my partner and attributed that expense to me. If my partner were to die, I would inherit approximately $3500/month for life from his pension. Wells Fargo did this so that they could continue to receive an additional $500 - $600+ per month from me. DO NOT EVEN THINK OF WORKING WITH WELLS FARGO. They are crooks!!!

I can't travel or leave my desk because you don't know when next ten request minimum are coming and as a borrower they expect you to answer in 48 hours while they take ten days plus. ALL stupid outstanding questions could be moved prior to doc but NO they have all the time in the world. Even I told the manager that I'm a shareholder of this bank, his push is limited. I hope Warren Buffet will see this email. AVOID THIS BANK FOR A MORTGAGE at any cost. We have a client working with First Republic. Excellent service so far. I NEVER encountered such a terrible service.

My representative (who passed me off to someone else and became impossible to contact almost immediately after I started the refi process), now tells me it is because my house is in a flood zone and they did not know that before. That is also simply not true, as they have known where the flood zones are and where my house is located since the very first day that I spoke with them 5 weeks ago. It is not new information. The simple fact is that they never had an impound account before, and this loan is at least 12 years old. Now they want an impound for a flood policy that costs about $400 per year.

Based on their repeated misrepresentations, I am now out $475 for an appraisal and $11 for a credit report that I never would have spent had they told me the truth from the beginning. They knew what my conditions were before they took my money. I would like a refund of the appraisal fee and credit application fee for a total of $486. I feel like they intentionally lied to me thinking that I would go through with the loan anyway and in spite of my express instructions I would sign no refinance with an impound account.

Well needless to say after being with one large company for 25 years finding employment was challenging, so I had no choice but to file bankruptcy, but I reaffirmed my home - it states this in all my court paperwork. Well to do so I had to prove I could my regular payment for three months. I called WF, they said "no problem, we will set you up with a home preservation specialist." So she knew from the get go I was reaffirming my home. The BR was filed, WF contacted me and said it was not reaffirmed and I had to do a modification. I not knowing then what I know now called my attorney. He said "well if they are counting in the BR if you ever foreclosure it won't hurt you." True but if you don't foreclose you don't receive any credit for paying.

Well it took them 9 months of endless paperwork, and during this time she had me paying way less than my payment. When the final paperwork was complete I trusted them in what they mislead me into signing and I had only 24 hours to sign and send back since it had taken them so long. Now here we are and I need to downsize as my kids are leaving and I don't need this size of home. We are three weeks from closing and found out there is a 58k Lien with HUD!!!! WTF. I don't have that money.

So I went thru all my mounds of paperwork and found several different versions but basically the sold HUD part of my loan and stated I was 18 months past due! What, I was not and have the records to proof it. But now I am fighting WF and HUD. But if I let them foreclose I don't owe anything. Other than if the buyer wants to sue me. My realtor and I have spend hours trying to figure this out and he has been in this business for 30 years never seen anything like this. WF even sent me someone else's modification paperwork. They charged fees I have never heard of to make it appear I was not making full payments. I have found out that I had up to two years to sign a reaffirmation and not do any if the BS that damaged my credit, has me owing more in my house than I bought it for five years ago.

I can never get a straight answer out of anyone. So believe me I will be fighting them for the mental anxiety and if this falls thru I won't be making a payment and they can take it, but I will be fighting their unethical business practices. I can't eat or sleep due to all the anxiety this has put me thru. So if you have WF and are doing a modification or HARP, don't let them rush you. Have them detail out anything they are having - HUD, be a Lien holder to make your home more affordable. Oh yea and after all that my payment did not change. They bury you in paperwork and good luck getting your home preservationist to call you back in a timely manner so they can charge you more fees. WF should be shut down.

I would send documents that Brandon requested. Then he would call me to say that he either did not receive them, or that they were no longer current, or they needed a new date on them since so much time has passed, or that his manager wanted more information, or underwriting felt they needed more clarification, or he was unable to read the document. This went on for exactly 6 months to only be assigned a new specialist. I called WF to speak with my new specialist but was told that she was on vacation and I should speak with her when she returns. But, the representative that received my call at that time did inform me that my request for a loan modification was rejected due to a missing document. Phooey!!!

I am disabled, home bound and super organized so I am certain that I sent every document that he requested every time. Pure and utter nonsense!!! The last time that I spoke with Brandon he said, "yes we have all the information we need and that they will get back to me with a decision". If WF felt that I was not a good candidate for this program then it would nice if they would just say that. I would have been okay with that and moved on. I am extremely disappointed in WF and I will never recommend them to anyone.

We have never been late with a payment, Wells Fargo owns the mortgage, and have very high credit scores. The appraisal on the property was excellent, our liquid assets (stock accounts) have increased 56% since the last approval, and social security income and retirement income are the same. All accumulated data is better than when the mortgage was first written and approved.

All improved data submitted at this point in time is not good enough for approval today for Wells Fargo. There is a premeditated strategy at Wells Fargo to stall and avoid refinancing to shorter terms and lower rates because it is not in their best interest for revenue generation, so they delay and undercut the morale of their customers. The behavior at Wells Fargo is appalling and unprofessional and I suspect illegal.

A few weeks go by we both got extremely irritated with them because if we're buying a house we wanna make the choice of where we are living not them. We both make well over enough money. So we decided to try a local credit union. We had no issues, they were extremely helpful and approved us for $175,000. Tell me what's wrong with that picture. We both bank with Wells Fargo for our personal bank. I only like them because they have a very convenient online bill pay for bills. Other than that I definitely would do some research on lenders and banks before going to Wells Fargo. Don't recommend them in that sense for mortgage.

We went to refinance our loan later on, and they told my wife that the house probably had depreciated since we bought it (we bought it literally at the bottom of the market in 2008) and that we likely would not have 20% equity (despite only owing 65% of the original loan). Then after we ran the numbers and got back to them, they were rude and unprofessional, they didn't answer phone calls and they gave us the run around when they did. Now we are selling the house and our prospective buyers went through Wells Fargo, they were approved and my agent was assured that they had all their ducks in a row. That was 35 days ago. Now two days before closing and Wells Fargo had not done a thing with their loan- it will now take 2 weeks to run through the approval process and everybody's timelines are messed up. Again they were rude and unprofessional- and they have been avoiding phone calls.

They sent modification papers. Was given a designated person named Brianna to deal with this. Said she would give all info to underwriter who decides if I get help. A week goes by after I left multiple message before I get a call back from this girl. Then told they are granting forbearance where you making lower payments for six months with the understanding I will have to pay the rest of what's owed at the end of six months. So that's 505.00 minus 73.78 a month to come up with. I asked, "So the modification papers are null and void?" She said yes. I asked, "Why was I even sent those when you have to go through forbearance first?" Her reply was that just how their system works. I do not trust them at this point so I contacted Mountain State in WV and they set up a meeting with a lawyer. Was told by lawyer WF has been sued many times for this.

Many do not know their rights. So I google WF fraud and get my mind blown away. Many of the things I've found are exactly what they are trying with me. There needs to be a class action suit against them with a letter mailed out to everyone who has a mortgage with them. The first thing lawyer asked me was "Who is your mortgage lender?" I said "WF." She chuckled and said, "I just got done suing them again." Even though I have a lawyer through legal aid I am still very worried because big corporations have been doing this for years and get away with it unless you have a good lawyer which I'm praying I do.

I followed the rules and made a written request to have PMI removed from my account. Wells Fargo responded by lowering the value of my home to $26,000.00 less than their own appraiser had valued it. I now must continue to pay $78.17 each month for over five years because these ** refuse to follow the Homeowner's Protection Act. They are a bunch of thieves who wear suits instead of masks. They actually lowered the value of my home to less than the original purchase price and I have added over $40,000.00 in improvements. Do not, under any circumstance, do business with this bunch.

I know they are doing this to my mom just to take her home from her. They should be ashamed of themselves for treating people they way they do. 2016 and I just received the same paperwork again dating "please refill them." All the representatives I had I wish I could say their names, they are all incompetent, insensitive people and I hope they never have a family member especially a mother who is unable to care for themselves because I hope they get worst than what they are giving out for a paycheck. I hope from the top of the company to the bottom know they reap what they sew.

I am so tired of this company, the terribly rude employees and the sneaky way they go about things. How do I find out what is the truth. Has anyone else had a mortgage through them that never gets smaller? Our current mortgage with a local bank has gone down 5,400 in 2.5 years. I am so tired of this. Not to mention it has caused some health problems for other family members because of the stress. Please, someone direct me to someone who can help answer some questions. Thank you.

Wells Fargo said that they would work with us on catching up on the mortgage, told me to not worry about paying until they got back with us. They got back with us about a month and a half later and said they could not help us and that we were 60 days late on our account and would start foreclosure if we fell 90 days behind. Basically said "sorry can't help you", they just want their money and not willing to help.

I have stacks of papers where I have tried to work with them and nothing. I believe it's ridiculous they are one of the companies penalized yet no one enforces them to help the ones who desperately need the help and trying to work with them. They have ruined my credit. Because I would go past 3 months late because WF told me that's the only way I could receive help. I would NEVER do business with them again if someone gave me a home with Wells Fargo holding the loan.

Now, they are telling me they did not make a mistake and refuse to apply the $73.04 to the optional services. My recommendation for anyone looking at using Wells Fargo or looking at signing up for optional services (insurance) would be to RUN AWAY AND DON'T LOOK BACK. There are plenty of other mortgage companies out there who won't run off a customer over $0.10. Oh yeah, you know how whenever you speak to your mortgage company they ask you to confirm your phone number? They had a phone number that was 3.5 years old and invalid. That they insist they left two voice mails that I never received. They took the correct phone number (again). They're going to review the documentation again. The never ending (or resolved) story. ALL OVER TEN CENTS. Now, on to the next 'review'- The Better Business Bureau. After that? Refinancing through a REPUTABLE mortgage company. Then I'll be done with Wells Fargo.

I started working on the re-cast in October by requesting information on what needed to be done. I followed all of the instructions and it produced none of the results I was after. I think they purposely didn't give me accurate information to take more money from us. We will remove all of our accounts with Wells Fargo ASAP. It won't be soon enough. They should focus more on true GOOD customer service instead of their phony small talk every time you walk into Wells Fargo.

Serious escrow accounting errors from one year are neither acknowledged, BUT repeated the next year. My errors were obvious, double paying of homeowner's insurance and triple payment of Flood Insurance. And I was trying to pay off my loan with the corrected amount due. Wells Fargo's only response after refusing to talk to me or my hired attorney was to file foreclosure. NC real estate law gives all advantage to the lender. Finally after intervention by both my US representative and US Senator and Freddie Mac, the primary lender a final buyout price was offered in Wells Fargo favor.

I went as far as to ask to speak to a manager and then was told, "Oh, they are all in a meeting". Then when I mentioned that I had a court order Mary all of a sudden said, "Oh, I think I see a manager coming now". How ridiculous, that is the oldest run-around there is. After talking to the so called manager Miguel, he promised to call me the next day after I re-fax the court order again and help me get the info that I need. BUT OF COURSE on yesterday 1/7/2016, Miguel never called. I just closed out an account the other day from WF. Once I'm done with this crap, I will close my IRA and move it to some place that has better customer involvement.

They refused to rewrite the mortgage and I told them that if they didn't change it back to what I was buying (30-year fixed at 7.375%), which was already bad enough. That I would tear down the house. They stated, "NO ERROR OCCURRED". I begged to differ. I simply told them that I control half of their investment and they can view it. However they saw it, however, I explained that they cannot come onto the property or control anything associated.

In other words, I stated that if they did not change the mortgage back to what I purchased, that I would dismantle the entire property and haul it all elsewhere. I promised to dismantle the house, clear-cut all the timber and fill the well and septic with concrete and then I'll quit paying and give them a worthless property back to whatever they want. I told them that if they don't change it, that I WILL tear down everything, sell it all and keep the money and cut my losses and that there is nothing they can do about it. In fact, I told them I would film it, use everyone's names and begin the series on Youtube. They finally agreed to modify it rather rewrite it and I kissed their a$$ intentionally and got the bogus modification. I did so because they modified a fraudulent mortgage to begin with and it still stands. I am not in default.

Again, all of the documents in my mortgage are a manufactured fabrication and after nine years, I now have a mortgage fraud investigator working for me and the table is about to turn. Some jackass-lawyer named Terry **, who is a top executive at Wells, clearly stands by the existing mortgage which is fraud and there is NOTHING ABOUT WELLS FARGO THAT ISN'T FRAUDULENT. They ultimately need to be dismantled altogether.

Wells Fargo sold off my mortgage to Citi and it was bundled into a trust loaded with fraudulent mortgages. The trust assignee: U.S. Bank N.A., had nothing to say to me. Research shows that the trust which my fake mortgage is a part of, has previously been sued by the Feds twice for over hundred million dollars collectively and the trust is somehow still valid. If it is still valid, I plan to sue it for my fraudulent mortgage. The way I see it, Wells can camel the note and the house is going to be mine and then owe me my money back and ALL OF IT and I'm going to charge them 3.75% interest in my money over the last 9 years.

I'm about to expose them for my fake mortgage and so far, they have applied $150,000 of my payments over 9 years to interest and only $9,000 has been put toward the principal. I will get justice one way or another and I plan to expose their fraud in any way I possibly can to keep others from having their entire financial life compromised or ruined by Wells Fargo Home Rip-Off. Note: Go to Facebook-page: "We Declare War on Wells Fargo", and like it for the sake of your fellow brothers, sisters and children whose lives are being ruined by this government-backed bank-fraud implemented courtesy of America's finest financial terrorist group known as Team Wells Fargo.

Something is seriously wrong with this company if they are now so intent on screwing over people this way. They told me it will take a week or more to send a reinstatement amount in writing that blocks my being able to secure a hardship disbursement from my 401K. It appears that they just want my home in the end to sell to one of their slumlords for rentals. Do not do business with them. THIS COMPANY IS NO LONGER CREDITABLE AND RANKS UP THERE WITH THE OTHER PREDATORY LENDERS NOW.

On May 31, 2015, I received a letter from Wells Fargo stating that my application had been denied due to income insufficient for existing debt. The results could have been different if Mrs. ** would have submitted the correct payments instead of giving up on my application because of the initial results. On June 26, 2015, I decided to try the process again at another Wells Fargo Branch and this time worked with Jalisa ** at the Airport Blvd location in Mobile, AL. Ms. ** was outstanding at obtaining the correct paperwork from me to correct the student loan payments that were initially incorrect during the first application process. I provided documentation of correct monthly payments, which significantly decreased my debt to income ratio. Any information and documentation that was requested from me, was promptly given to Wells Fargo. Once I supplied Ms. ** with the correct paperwork, the problem started with the underwriting team.

After a few days, I was assigned a Home Equity Specialist, Steve. Mr. ** initial contact with me was on July 14, 2015 via voice message. At the time of his call, I was in a work conference; however, I returned his call within that same hour. In spite of this, Mr. ** called my banker and threatened to take my application away because I refused to get in contact with him, which was not true. However, I called him numerous of times after his call and even left two voice messages. After several attempts, I called the number back and asked to speak with any specialist that could assist me. I was connected with a Charlene ** who was of great assistance and answered any questions that I asked of her. Charlene and I discussed possible dates that different steps of the process may be completed and those dates were documented on your LoanTracker. After a few days, Mr. ** deleted those dates.

Mr. ** and I actually communicated via phone on July 21, 2015. During this conversation, I asked Mr. ** questions about property rights and Mr. ** told me that he would find out more information for me and will get back with me. Instead, I was informed that Mr. ** canceled my application, documenting that I was going through a divorce. I never advised him to close my application; he was only supposed to be finding the answers to the questions that I asked of him regarding rights to my property. After this situation was brought to management's attention, they denied my application citing that during the drive by appraisal, my home was not worth anything and that I did not have enough equity to pull from the home, which is definitely not true. I was told that I could fight this and get another appraisal; however, after all that I had gone through with Wells Fargo, I decided it was not worth any additional efforts with this company.

This whole process has been frustrating from the beginning where my application kept being denied due to erroneous monthly payments until the end, dealing with a specialist who lacked integrity. Wells Fargo has really left me dissatisfied, in not only this situation, but also other errors that have occurred to my account. I have written to their Home Equity compliant address that was given to me; however, I have not received any response from Wells Fargo. I hope these issues can be rectified and that specialists will be more competent.

Wells Fargo even went to the extreme to tell me not to celebrate Christmas, get them their documents. I have been trying to work with them for 18 months. I now am losing my home, was not notified that a sale date had been placed on my property and will have to find the money to vacate. Working with them has been nothing by lies and deception on their part. I have jumped through hoops and bent over backwards for them... I lose my home for Christmas this year. They refused to extend the amount of days for me to gather the information they requested. I could go on and on with the fraudulent things they have done. They need to be investigated! I am not the first victim by Wells Fargo. I NEED HELP NOW!

My main complaint is in regards to Wells Fargo poor business practices, process, and their shady business practice I feel is to get more money and create unnecessary fees from their customers in addition to providing poor customer service and causing damage from poor business decision that they make. On 12/3/15, Wells Fargo sent a Mortgage Contracting company to winterize a house in Louisiana, that wasn't under foreclosure, had a for sale sign in the front yard with electricity and running water. The company broke a window to get into my home. They remove $150.00 dollar door handle and replaced with a ugly gold door handle.

I called Wells Fargo Preservation dept. very upset to see what was going on and to explain I have an appraisal inspection this Thursday and this was hindering the sale of the house. I needed the water and everything back on the way they found. They went on to say they had an interest in the house and it appeared vacant... DUH, it's for sale!!! The representative then went on to say they wouldn't come back out and dewinterize the house because it's now under contract. I needed to get my own plumber. I explained I don't have money for that!!! Leaving me no other alternative I did what the representative because I can't lose this seller. By winterizing the house incorrectly in 80* weather caused more damage.

Three months later I completed our request for modification along with the requested documents. We were sent a modification offer. The offer did not show any significant change in our monthly mortgage payment and we would have to pay an upfront cost for the modification, which was closed to the total 3 months of mortgage payments. Plus we were not promised the modification would be accepted after a trial period of 3 months. This "game" of Wells Fargo went on for the next 3 years. We found out in March 2011 that our home had been foreclosed in January 2011. Despite the reassurance from Wells Fargo, that they were still "working on" our Modification, we would have to pay an additional $60,000 in fees charged by Wells Fargo's servicing company, American Servicing Company.

The Servicing Company makes money on the miscellaneous fees charged to homeowners. The longer they kept us in "their game" the more fees they charged and the more money they made. I spend the next year researching our mortgage and requesting documents that would prove Wells Fargo actually held the mortgage for our home. I requested original loan documents from every source possible. None of Wells Fargo's mortgage representatives or American Servicing Company, could provide proof that Wells Fargo owned our home. The mortgage was a generic document, that did not disclose the lender, and important documents such as "Truth in Lending Statement", was missing from the documents.

After more research, I discovered it is possible that when Wells Fargo bought the package of loans that included our mortgage from New Century Mortgage, our loan was not legally transferred to Wells Fargo and therefore Wells Fargo did not have our loan documents and did not have the right to foreclose on our home. As far as I'm concerned, we still own our home in Minnesota. We had to move from our family and friends in Minnesota, to a small town in Kansas to find affordable housing, or remain homeless. Anyone CONSIDERING doing any kind of business with Wells Fargo, should ask themselves if they are ready to sell their soul to the devil. If not, research the MANY lawsuits against Wells Fargo and believe that every one of them are valid. Then run as fast as you can away from this heartless business. They have put my family through HELL. I wouldn't wish what we went through on anyone.

We had a lengthy relationship and it meant Nothing on the day I went into the branch and the loan broker looked at his computer screen then back at me with a strange look and a very flat "NO". No. I'm thinking this guy is out of his mind. I have had many, many home loans all paid on time and in full, including past WF loans. I left there after he told me "We Have to go by the Investors Guidelines." Investor. I said "what is that?" He goes on to tell me WF doesn't own my loan and I would have to wait until they speak to the so called "INVESTOR" aka passing a phony buck, when two days earlier the WF worker on the phone swear passionately that they Originated and own my loan.

More of the thousands of lies and deception to come. At home Iook up my "Investor" and they are in BK court and dispute WF claims and list them as Non Priority, Unsecured Creditors and canceling their servicing agreements. Servicers is what the big banks go by in the mortgage area today and it's just more insulation and deception and misleading business practices. Same thing that they lost their license to lend in California in 2003. Basically lying for profit, so when home I send a request for the closing documents and get them, on the HUD-1 page that is to be accurate. WF claim they paid my 2nd with Chase, but I paid it 2 months prior to closing and have the cancelled checks and statements showing zero balance. But WF then says "Well Chase must have been paid twice." Chase already said they were paid by one person and that's me.

Point is WF will lie. WF will have their lawyers lie, create whatever documents are needed to make a fraudulent loan look legit. They do these things on a daily basis. WF has no vision and no values when it comes to issues of ethics, honesty, loyalty or any other positive quality. WF has one thing in mind and that's getting paid, making huge profits at any expense. If you think that having proof or being honest will get you anywhere in today's judicial arena then think long and hard before you go down that road.

Doubt that all you have to do is have a look at the pension fund holdings of the judges and your answers are all there. Why would they rule in our favor? That's just taking money out of their accounts. WF has bought and paid for the justice they want and ain't no way without 5-10 million angry Americans is it changing soon. I would have zero problem posting any and all of the documents including two trips to court and all the craziness that has gone down just to show anyone that this is no joke. 65k spent so far fighting for whats right and here I am still facing a foreclosure on a void loan contract, originated in fraud by the broker who did all of my loans and the bank that I thought would be as loyal as I have been and was sadly mistaken and this isn't even including the lies and deception when trying to get a modification. That's another story. Shameful.

We fought and fought, only to be denied over and over again for reasons being "not within investor guidelines". (Remember this). As we neared a year of fighting, they approved us for a TPP. We thought we finally won the fight and we saved our home. NOT SO FAST! We paid $8600 over the course of 4 months and never received our final paperwork. We make all payments on time, income never changed. What the hell!? Well, the answer was the same, not within investor guidelines! I asked them what this meant and they said they didn't have to tell me, they're not required to. Ok, this is BS! I didn't fall behind, you coaxed me to become behind and now I'm facing foreclosure!! They got $8600 out of me and said, “Thanks for the money, we're taking your house!”

We fought for 22 straight months, they attempted final judgment in August 2010 but it was thrown out due to a robo-signed document the court caught. I gave up around the 2-yr mark and started preparing for the loss of our home. It took them until March 2014 to finally bring it to final judgment and we lost the house in Sept 2014, the bank bought it back and it sits vacant.

In December of 2014, I decided to do more investigating into the way my house was lost. I wrote a letter to Wells Fargo’s VP, and believe it, her assistant called me. Well, come to find out, during the hour long conversation, she reviewed our loan documents right there and said, "Wow, this wasn't your fault, it was ours". I said your damn right is!! She said, "I don't know why they even attempted to modify your loan because your investor does not, has not and never will participate in any loan modification programs". I'm sorry, what was that??? Guess what "not within investor guidelines" meant? You got it! They don't participate!!

Something they knew from day one! Oh, and that TTP, a huge scam! Stole $8600 right out from under us! We lost everything! Our house, money, belongings, outstanding credit, and all sorts of mental anguish this caused. Well, you'd think, after admitting this horrid act that was inflicted upon us, they'd bend over backwards to put us back into our house that sits vacant. Hmmm, NOPE! So sorry! What we can do is, when we're ready to put your house on the market, we’ll allow you to make us an offer on it. Are you ** kidding me!!! I told her right there, alright, I gave you many chances to make this right and you've done everything but. Any further contact will be made through my attorney! That was February 2015, and we are waiting to hear about a court date, and it's December 2015 as of today.

We're suing them for the house and 6 counts of fraud. This is truly an unfortunate story that I had to share. But I must tell you, if you participated in a TTP and the bank denied you after you jumped through all their hoops, they by law have to offer you a modification. Most states are on board with this law, so talk to an attorney. What they did to us was so far on the end of extreme, my attorney didn't believe it until he got all my paperwork. Another thing, keep all your records. I did and that's what is saving us now, a massive 700 page paper trail. I wish you all luck, but don't get suckered into the promise of a modification like we did. We just want our home back, and now WE have to jump through more legal hoops to prove their fraudulent ways.