Wells Fargo Mortgage Reviews

Underwriter has hard time understanding LLC distributions and where the income comes from. Doesn't just matter to provide 1099s and K1s, be prepared to get your accountant involved to generate all the requested P&ls. At one point underwriter wrote my loan officer to make me write why after 20 years were my retirement assets low! If you're looking for jumbo don't go with Wells. Loan officers are professional and courteous. The underwriters lack understanding sophisticated balance sheets.

I next get a call from Brandon to inform me that my loan was denied because of my second mortgage, not my address, and that maybe there was something we could do to salvage the loan. I ask for some reassurance like a conditional approval pending the 2nd mortgage payoff. He agreed to send me an email with a conditional approval. He did not send me an email nor call me back. I called Wells Fargo and asked to speak to a manager. Michelle **, the manager, just made excuses for all the misinformation, and refused to approve the loan. What a waste of my time. I am now looking for a different HARP lender.

After 2.5 months we were informed that our interest lock expired and would cost us another $178.00. I argued that it was Wells Fargo responsibility without success. Their loan tracker online process is confusing to say the least. New document requests kept appearing, although the loan officer informed us that all documentation was submitted. Apparently they have difficulty communicating between various levels, processors, third party vendors. They have chosen to work with those parties - Wells should fix that process because it is confusing to receive conflicting information. I am done with Wells Fargo Mortgage for future business.

When interest rate declined sharply I tried to refinance with them and was declined, plus they wanted close to $6000 in closing costs. Today, more than 2 years later, I received a letter stating that they are going to start foreclosure proceedings on me. I have never missed a payment since the 9/13 payment. They also state that they would be more than happy to help me with a short sale. It was on the news yesterday about all the fines that they have incurred due to their practices. Evidently, the repercussions of their actions does not matter.

Updated on 01/25/2016: For some reason as of September 2015 I haven't received any statements from Wells Fargo. Since they hold my mortgage I need statements and tax documents on my accounts. I cannot gain access to my account, as for calling Customer Service, don't waste your time. I need to file my taxes and can't since Wells Fargo won't respond to my requests.

We have maintained the home in the meantime. Our paperwork is 6 inches thick, our realtor is at her wits end, and the buyers are ready to pull out. This has been the most horrendous experience of our lives and it still continues to continue. There should be laws and timelines for the amount of distress a bank can put on a family. We have all the documentation to prove we have provided them with everything they have asked for within 24 hours. Consider anyone else but WELLS FARGO!!!

Wells Fargo is now attempting to foreclose on my home saying I am delinquent on payment. EVERY PAYMENT HAS BEEN MADE EARLY. $2009.00 has been stolen from my account and no one will or can explain where the funds went. I am in the process of refinancing to get away from the thieves and will not have an escrow. ESCROWS SHOULD BE MADE ILLEGAL. They are a license to steal!!

Updated on 11/09/2015: Wells Fargo has since been in touch with me about my complaints about their home mortgage company, was told they will look into it by a Sarah ** who also told me to call her if I can remember anything else to add. I've since called three time and never received a call back and also was told I would hear back from them no later than today... STILL NO CALL!! Which only leads me to believe it was just them trying to save face and not really going to do anything about it. I've even wrote to Warren Buffett at his home address and he passed the blame saying "He has nothing to do with the day to day operation". They are dishonest and I would recommend anyone but them to get a home mortgage through! They are only out to scam you from the loan officers down to every other aspect of the loan. Dealing with them practically destroyed our lives.

We have been struggling for a couple of years now to make our payments on time and with that we've falling behind in all of our bills. While our monthly electric bill may show that we pay $130, it doesn't include the total amount we owe is $300 (because it just asks for our monthly payment). I feel that the whole process could have been more detailed with. They don't even care about our financial crisis or the help we need to get back on track. What's the point of trying to modify the loan if you're not being approve anyway for the help!! WE COMPLETELY REGRET OUR DECISION TO HAVE WELLS FARGO AS A HOME MORTGAGE! HORRIBLE.

Our refinance was accepted and our payment actually lowered almost $300 per month just due to the interest rate. BEFORE my first payment was due, I received a letter stating that my loan was sold to Fannie May. I was livid because I had at least a 10-minute conversation with the first lady regarding this and she assured me that they would not sell my loan to Fannie May or Freddie Mac. I called them demanding them to stand by what they had told me and after a long conversation, finally came to the realization that I was wasting my breath. I was so mad at them that I put them as a last priority to pay every month, so I had a few late payments and paid the late fees.

During this time, they began sending people to my home to check that we were still living at the address. They were often rude and even told my child at one point that we were going to be homeless. Again I was LIVID and filed a complaint. I never heard any follow up from my complaint. So I finally figured out that Wells Fargo can lie to me and I have no recourse. That one person can assure me that everything is ok and that my mortgage is good etc. and then forget to make a note on my file and so therefore it never happened. I never called, I never filed a complaint, I made the payment 3 days after I did. etc. so they can charge me a late fee. I finally relented and made certain that my account was not late or have any issues for approx. 18 months.

Fast forward to June, 2015. We had been paying an extra amount during this time on the principal. In June, we decided to increase that amount. I went on the website and changed that amount and set the payment up for autopay beginning July. I checked sometime in July that the payment had been made with the increased amount and it had been. So in September 2015, I receive HARP papers and I called the mortgage company asking them what the deal was. They said that I had stopped the autopay on June 16 and that I owed August and Sept. payments. After a long conversation. I asked them for an internet IT person to look into the situation and help me to understand HOW did a payment get made for July when I supposedly stopped the autopay on June 16?

They sent me a copy of each payment and the date I paid it since we had refinanced. No explanation, no nothing. I made up the two payments and now, tonight I tried to go online to pay my mortgage payment for October, before I would incur a late fee. They will not allow me to make a payment online. It gave me a link to my autopay payments (which I have not reset them up) and then told me the information was not available. It told me that my October payment was due but that I could not pay it online. I have always made my payments online! My loan should be current, however, until someone can tell provide me with information as to how a payment was made in July 18 days after I supposedly stopped the autopay, I refuse to pay the late fee. I believe I should be entitled to an answer and an accounting of what happened.

Also, I am still waiting for them to take off a previous late fee for not processing my payment for 3 days after the date which I had made it in order to charge me a fee. Another thing that I was told would happen that has not yet happened. Personally, I feel that this is just another way to harass me. They have RUINED my credit rating (which I admit was somewhat my fault. At least in the beginning). They continue to find ways to make it difficult for me to make my payments (i.e. having to make 2 payments in one month) and give them reasons to keep putting those jabs on my credit report. I also feel that since I have equity in my home and am on a fixed income that they try to find ways to make it so that I will default on the loan. Their practices are, in my opinion. deceptive and unethical at minimum.

When I call the customer service only told me "you signed for $667.89." I told her yes but the contract is not only one page have more pages show another different payment. "Oh I can't help you." I call again and I spoke with a supervisor and she told me "oh was a mistake from us. The personnel don't see you choose a buy down. I will taking care but you need to give to us around 3 weeks to fix the problem." Really I want to see what will be the new excuse.

I have been assigned to a representation who has never answered his telephone and has never returned my call. I have emailed him on numerous occasions because I cannot understand his emails, my eight-year old grandson spells and types better. I have begged for clarification on why he continues to ask for documents I continue to send but he never addresses my answers in email form either. This has got to be the poorest form of customer service for a nationwide company entrusted with billions of dollars. Wells Fargo, no way, no how - not ever again.

I was NOT notified of this problem at all and so I could have waited forever for them to contact me until my house was paid for. My contractor's bid and my amounts of my invoices DO NOT match because I had extra work completed on the house. I have paid my contractor in full except for the amount of this insurance check that they have held hostage and will not pay. I do not understand how they can legally hold this money and not pay the contractor when they themselves are aware that the work was completed. DO NOT EVER GET A LOAN THROUGH WELLS FARGO. They have been impossible to deal with and they have held this money that is due the contractor refusing to release it. Terrible business practices.

It seems like Wells Fargo has a stalling and circular system that is in place to pretend that they are helping, but not help at all. I have provided Wells Fargo sufficient information to make a decision whether or not they want to provide me with a mortgage modification. I have sufficient income for a mortgage modification and to now pay my mortgage. I will very much like Wells Fargo to make a decision because I don't see how this wait, hold, and stall process is helping anyone.

Since we went into Escrow, we've gone through what is effectively an IRS tax audit. We've had to provide cover letters explaining all sorts of things on our tax returns. The agent tells me the underwriters say that because I had $8,000 on my schedule C as deductions that it cost me $8,000 to earn my income. I'm furious. The $8K in deductions are for my internet connection, a fraction of my utilities, and other similar kinds of expenses that a lot of households have but can't write off.

I work from home doing internet related work. So the $8K subtracted from my income puts me a hair over the 43% debt to income ratio and they're just dragging their feet getting us an answer. I have been a loyal customer of the bank since 2000, and I am about to close all my accounts with them and find a bank that lives up to their promises. Or at least not do business with the one that didn't. I cannot recommend anyone try to get a loan with Wells Fargo. You're only asking for a lot of anguish and suffering over something that should be a slam dunk.

Jennifer ** was the best Home Preservation specialist ever, hands down. She kept me up to date. When I called, she was always there for me. I can't help but to say nothing less than good things about Wells Fargo. My mortgage payment dropped $20 as well. I thought it would have been a little more, but I'm not complaining. I am sorry for anyone whom has had a bad experience. I will pray for each and everyone of you.

Last month, I tried again to refinance my mortgage with Wells Fargo to remove my ex-husband's name from the mortgage. Although I provided all the required documentation, Wells Fargo loan processors continued demanding more and more financial information from me, going so far as to demand my account information from one year ago at a bank other than Wells Fargo! Because I received a large cash advance from my savings account at a different bank (to purchase a cashier's check) at a local Wells Fargo branch, Wells Fargo Home Mortgage demanded I turn over my financial records from my other bank. When I refused to do so, they cancelled my mortgage application.

So I obtained the number and gave it to the new bank which told me that Wells would have to cancel our loan prior to them beginning to work on our loan. It took Wells nine business days to (what I thought was) cancel the loan. I called. I emailed. I called the branch manager three times and left detailed messages one day! They downright refused to respond to me and tell me whose job it was to cancel the loan. After being told by someone at Wells Fargo that the loan was canceled, we found out that they rejected it. The stinger was that they claimed we had insufficient funds which was a lie! They had never mentioned this to us ever!

They knew what they were doing too. They knew that we were over a month behind our on or about closing date and doing this would scuttle our chances of getting I to this house. They also knew that by rejecting the loan, instead of canceling it, we would be unable to apply for another FHA loan for six months and would never be able to apply for an FHA loan for our dream house again! This has to be fraud! The only thing our new bank kept on saying was, "I hope you have a good lawyer." The best part is when the new bank received that paperwork with the rejection, it stated whose job it was. And it turned out to be the loan officer who had been working with us the whole time. If this is in fact fraudulent, I would be happy to be part of class action lawsuit or file a third party claim. This type of bullying has to be stopped.

I am not happy and stressed to the max trying to have normalcy in my life again. Also when you order out these so called inspections you must allow 15 days of lag time. 5 for the inspector to just contact you then schedule inspection then wait for him to turn it in then wait for them to review then wait for them to just (maybe) release you some more money. This is asinine of a company to be able to have this much control of your life as a free American (or should we say so called) I borrowed this money... I am making on time regular payments on this money.... and really it's the insurance money and you want to hold it out, make me spend my own money to rebuild and then ask for it back from you the wonderful America bank. Really...

On top of that, they claimed my insurance had lapsed when all along they were sent verification from carrier and myself, they set up an escrow account and billed me for insurance even though I had already paid. Every customer service rep I spoke to had a different story, nobody knew what was going on. I have been hung up on and lied to repeatedly and it is still not resolved. Even after at least three payments submitted in July, they insist I was over 30 days late in July. If you can AVOID WELLS FARGO, do yourself a favor and look somewhere else.

The process continued and went on and on. I do not qualify for any of the Government Programs (Save your home CA), HAMP or anything else since my loan is not Fannie Mae or Freddie Mac. My load is owned by a private investor group that WILL NOT ALLOW ANY CHANGES. Also, WFB kept saying that my loan review doesn't pass the NPV test which not one person at WFB can tell us what the test comprises of. WFB told me that their main interest is with the Investor Group and not me. We had postponed NOS the following months but then last month, they switched Title companies. The Title company attached the letters in bold and hung them on the gate in my community for all to see while entering the complex. This was horrific to say the least. The mortgage company and myself wrote emails to the CEO, Mr. John G Stumpf. He had someone look into the complaint but didn't bother to reach out himself.

This company made over 20 BILLION IN 2014 and also Mr. Stumpf makes over $25 Million a year. WFB is also the World's Most Valuable Bank named in February 2014. I even wrote a letter pleading to postpone the sale again and no reply at all. The point person he assigned called and said the review will be ongoing but the sale will still proceed. My attorney then filed a last minute BK Chapter 13 and that has stopped the sale and I can begin to pay again. I have money saved and was not able to pay on my loan while being in this state. The amount owed has now doubled but I'll be fine now I can pay soon. I just don't understand why they can't help even though the US Taxpayers bailed the US Banks out. I'm able to pay my loan and just needed them to piggyback the amount owed to a silent second. But their interest lies with the Investor Group and not me. My advice is never do a mortgage with WFB.

Updated on 09/10/2015: My complaint to Wells Fargo Bank did not go unnoticed. A representative responded to my post the next day. I frankly was stunned. Her name is Nicole and she gave me here phone number and extension ** as well as an email address to use. I called and left a message after her greeting said that she would get a hold of the message within one business day. I left a message with my email and mobile number for her records. She has YET to follow up with my inquiry / voicemail. Also, the email address she gave me bounced back as ** does not exist. I retried over and over and it bounced back. Additionally, when in a meeting with my Attorney, he told me that a women from Wells Fargo in the Executive dept contacted him regarding my complaint and asked what we seeked.

She was very nice and spent time talking to my attorney. He told her that we want the amount owed to be piggyback to the loan as a silent second and just have him pay his loans. She left her number and I have yet to have a call from her. Also, The gentleman, Adam ** that oversaw the review while still proceeding with the sale of my home sent a note to my attorney and wrote that nothing can be done because of my loan being in a MBS, Mortgage Backed Security and that their main objective is their investors and not me. He also made a point to mention when I wrote that WFB lied to me and the company that was assisting me was wrong as if I had my facts wrong. In fact, he was mistaken in what event he was addressing.

The only reason I had to file BK 7 in the first place was because someone in Des Moines told the company assisting me that the NOS was postponed and when inquired another person said that was not true and the home will be sold the next day. I had no recourse but to file. I received a letter yesterday dated September 2, 2015 from the Senior Vice President of Wells Fargo Home Lending (of course with no contact information) that there is a review to my inquiry. They claim a result on September 16, 2015. I'm pleased my post here on Consumer Affairs has WFB reading what is being said about their treatment to clients. Again, the CEO, Mr. John Gerald Stumpf hasn't responded to any emails personally. This Bank only cares about profits, Wall Street and their investors. I've read their code of values and what WFB stands for and might I say it's a myth at best. It may be a nice read on their website but please, be careful.

I just want WFB to treat me correctly and the CEO can do something, he is the CEO! Also, Adam ** didn't even mention the NPV in which not no one at WFB can explain to me. I did the NPV test on Obama's site and put my home 200K underwater and I was approved... but since I am not underwater and have equity, I don't qualify. But hence, my loan (once again as they repeatedly tell me) is with a MBS and they continue to tell or remind me that their only alliance is with them and not me.

This is WRONG. How can a company make profits of over 20 BILLION A YEAR AND THE CEO MAKES OVER $20 MILLION A YEAR treat hard working people like this? Someone please explain! I'm dumbfounded by their actions and lack of humanity and care. I'm now in Chapter 13 because of this and they act they care... how? No calls back, only a mailed letter. NOT one call back to me. How is this as they strive for excellent customer service and experience. Please stay away from this company. It's greed at its best. They should know what is right. I hope they sleep well at night knowing what they are doing to their clients.

In May he called to say he was leaving WF for a "better opportunity" but he "was dedicated to seeing my loan through" & I could call with any questions. His phone was disconnected and that was the end of any further contact. He mentioned his associate would be helping him on my loan through this transition phase. A, the associate, has been pleasant and professional.... except she doesn't return calls or emails either. Yesterday I had to call her 4x to ask place and time of today's closing appt. I feel that WF needs to improve their customer relations! I feel that I was taken advantage of because I tried to conduct myself in a reasonable manner. It took 4 long months to complete refi, I was asked to submit paperwork multiple times, I was sent multiple copies of same paperwork, I was given false information, and I was ignored. I am seriously considering withdrawing my personal accounts and taking my business elsewhere.

Good News! Recently refinanced with a Credit Union. Rate went from 8.95 to 2.65... Payments went from $795.00 to $324.00. Credit Union requested payoff from Wells Fargo on 4 different occasions. Delayed closing by two weeks. Finally closed. Wells Fargo payoff shows "other charges" of $404.00. Three months later, Wells Fargo has ignored my request to explain "other charges". Sad that there is so much corruption and unaccountability. Really nothing we can do unless we had the funds to hire an attorney but of course we do not or we would not be requesting a modification to begin with. So many folks being taken advantage of.

Very early on, I was super optimistic because I had what seemed to be a very proactive rep that seemed genuinely interested in helping me. I thought. Anyway, I considered renting out my house early on (Although I'd be risking the renter damaged my home or not paying the rent. It was a risk I was willing to take). Many families were interested and the family that wanted it the most was willing to give 2 months of security and make 2 payments upfront. The rent was enough to cover the mortgage. My loan modification rep Kelly told me that if I was planning on renting the house, I would not qualify for a loan modification. It seemed fair as the loan mod was for struggling families however I wanted to use the upfront money from the renter, (plus any money I saved waiving with a family member) to pay off the debt I accrued with Wells. I wanted to "catch up" with Wells.

I'd be up to date and assuming the loan mod went through I'd be in a good enough place to move back in in a year or two. The family wanted a two year lease. I was skeptical because of squatters but regardless I took Kelly's advice and broke the news that I couldn't have them rent my house. I took the home off the market for rent and Kelly did put me on a temporary loan modification that would last 8 months. The way it was explained was like this: If you can make the new payments on time every month, we will reevaluate your situation and base your new permanent mortgage payments on something similar by lowering the interest rate or lengthening the term. So I did exactly like she said. No renters and made every payment on time. Other department still called (Collections) hoping I could pay the arrears. I left many many phone messages to Kelly until I learned that Phillip was my new rep.

I explained everything though they should have notes and they read you the same disclaimer that phone calls are recorded. In one year I spoke to him twice but called over 200 times. I documented everything. There were days I left 5 messages for my rep and his supervisor. There were days I waited on hold for 2.5 hours on my iPhone timing it all and recording it as they did to me. I talked to several attorneys but by this point my $3550.00 original mortgage payments added up to a lot of owed money and unless you could pay it all in full, you didn't have a leg to stand on. I also didn’t want to pay attorneys not knowing if they could help. I'd rather put that money toward paying the mortgage thinking I was in good hands. Instead, I now have the short sale on my credit in addition to 32 missed mortgage payments caused by following the guidelines on uneducated unethical employees.

I could have and should have paid off the small amount owed early on by renting the house. I could have rented the house and paid the $20,000 I owed them in one shot. But again I was told I needed to live there to qualify and I was sent post cards weekly that I had to send back proving it was my primary residence. So Thank you to the carelessness of the staff. I was misguided and put my house on the market to short sale in and avoid foreclosure. Even with a fast accepted offer from Wells, the home still took 9 months to close meaning the amount owed was just creeping up every day. I lost all the money I obviously put down on the house because the house lost its value in addition to me being so far behind. I realize I had an obligation to pay the note on time and as scheduled. I'm fully aware falling behind was my fault however they dragged everything out by not answering phone calls, letters, faxes and by lying.

What's the purposes of recording their phone calls if they are the ones vomiting fraud and misleading people. I should still own my home and should not have lost the $40,000 I put down on the house. This should have been inevitable. I should have let my house foreclose and I should have stayed there for as long as I could. I was trying to do the right thing! Wells is the absolute worst. I am also a licensed realtor and they are by far the worst bank to work with. There should be a class action lawsuit. They should be put out of business. They are contributing to foreclosure rate. The employees either don't know what they are getting themselves into or they are just horrible people. Sorry this was very lengthy. Good luck to anyone in a similar boat. It was awful. My house was my pride and joy. :(

Four weeks ago I received a letter in the mail telling me that there was no change and that they were going on my past paperwork Not even looking at the paperwork I just sent them. They said they were not going to even look at it. Now I have a sale date in October. They are trying to collect on the VA loan and collect the money when they resell the home. They need to be investigated thoroughly because of their practices. Word on the street is that intentionally do not help people and have trained their employees to not give folks a modification. I have resorted to getting an attorney to help me along with other resources I have been referred to.

Due to her attitude I've asked for someone else to help us and was told by her that "she was the only one who could help." I disagreed with her because her attitude shows that she is reluctant to help and has deliberately called our home in the late afternoon knowing we weren't home to give information that's needed right away. We are in need of help and she has caused undue stress in her demands and horrible attitude. We believe she would be very happy if we were to go into foreclosure due to her attitude and rudest. I will be sending a letter to HUD regarding this person and to the Office of the President at Wells Fargo despite her stating that she is the only person who can help us.

I have hated WF since the day they bought my mortgage. I refinanced to get rid of them and they bought it again. It's like a bad toothache that just won't go away. I have been fighting now for almost 4 years with them to save my home and they just don't want to cut any of the late fees out or do anything to help me in any way. They would rather me do a short sale and they eat what is lost over it than lower the pmt or the amount that I owe and let me keep the house. If they are willing to sell the house off to someone else for less money then why not sell the house to me for that lower amt and let me keep it?!

They just don't want to help people and that's why they are always in the news and why they had a big class action lawsuit brought against them. I don't know how they get away with the tactics that they get away with. It just isn't fair to the people who try so hard to do the right thing and work so hard to keep what they have worked their whole life for. Instead, they give the lazy low life people on welfare and the foreigners all the breaks. What is wrong with this picture?

All the paperwork was emailed to me, I immediately printed, filled out, collected necessary financial documents and emailed them back the next day. This is still November. Five (almost 6) months later, I receive a forbearance agreement via oral communication on the phone with Krystina. And during the five months, I was asked to email and provide the same documents over and over again, and there were times we left messages and didn't hear back for weeks. The longer we do not make a payment the more money we will owe, we couldn't understand how this was taking so long.

Five months later, at the end of April, a forbearance agreement of $2370.00 monthly mortgage payments for 6 months was detailed to me. My original payment is $1200.00! Although I was back to work, Krystina was aware and had paperwork to show that I had to take a pay cut due to company needs, it was not my fault or lack of work ethic. I could either not work, or take a pay cut and work, I choose to work and take the pay cut. My net monthly income is $3200. After making car payment, a necessary monthly bill, I would be left with $500 to feed my family (only!). She argued and argued with me that I could afford it.

After speaking with a HOPE counselor, I was informed I qualified for HAMP. We called Krystina together, and she didn't answer, and she didn't return my call for 3 days. I received packet in mail, 3-5 days later. Noticing the date at top of agreement was first of April, and the date on envelope was 3 days prior. It was the last week in April I received the package. I disputed the forbearance agreement and asked for another review. I made weekly and monthly calendars to show exactly how the plan would NOT work, and leave us in the negative. Somehow this review only took TWO days!

I was told the review was denied and the $2370 was due June 1st! She insisted that FHA does not consider anything besides the gross monthly income when making determination. So any of my deductions from my check (child support, health insurance, union dues = $2300ish a month) did not matter or make a difference to FHA. Not to mention utility bills etc. Krystina, gave a silver lining though. She said we have till the end of June to make the payment, and if we do not make the payment, it will be reviewed again. We asked again about the HAMP program, and she said we do not qualify for it, and that this was a better solution. As I started to carefully look over and study the Forbearance agreement, section 8 detail(s) are as follows: "During the HAMP trial period, a foreclosure sale will not be held as long as you comply with the terms of the trial period plan".

As you can imagine, having every single document and paper work discussing the new payment of $2370 says Forbearance agreement and/or letter, is a little confusing. And you told us we do not qualify for HAMP, and the HOPE lady explained to me, that they cannot force Wells Fargo to honor my qualifications and facilitate HAMP as remedy. So now it is end of June, we cannot make the payment, and have never been provided any information about HAMP from Wells Fargo, however it states in document that we are on a trial period! Seriously, it has now been 7 months since we started this process, and still have no concrete idea of what the heck is going on, besides having a payment that is impossible to make, really impossible to continue to make for 6 months.

So, of course Krystina calls first week in July. Explained again to her, that we made a payment of what we could in June. I submitted a payment of $1100, that was all I could do. She informed us, that we can go up for another review in 40 days! So my wife and I, put on every calendar available August 10th, to call Wells Fargo, because we did not want to miss the 40 days, knowing how shady this office has been, we knew if we didn't call first thing August 10th, that would be their excuse to not work with us.

So, I called HUD and finally got some secure answers and was connected with an executive at Wells Fargo. She immediately communicated the shady things she noticed in my file. She detailed that on the HAMP area of the notes, it had no answer or information. That it looked like they didn't even run it through the qualifications. Also asked me, what amount we could comfortably pay each month. I provided an answer. She stated she was opening an investigation on our case and/or the office handling it. Received paperwork immediately to fill out (again) and this time, she had me download (when completed) them onto my Wells Fargo online account. She explained this was policy.

For the last 7 months, Krystina ** had me email them directly to her, and never once did she detail the Wells Fargo account and downloading the documents there. The next day, I received a FedEx package from the executive now handling my case. It was a loan modification and HAMP starter kit. NEVER received this before. And, when I asked executive about Krystina informing me to call back in 40 days to submit a new review, she was speechless, and very baffled. No idea where, why, how, or what that 40 days is, and that it is not a company policy at all.

Of course, the same week I started working with executive office, Krystina ** sends me a document explaining Wells Fargo has denied my request for a new review. Provided a lump sum we now owe. I am praying, the executive office I am working with now, rectifies this (as we are now over $7000 behind) and provides us with a workable solution(s) for our mortgage. Her answer to the document saying our review has been denied was, "ignore that, you are in my hands now".

I received a letter in August of 2009 indicating I did not keep up with my agreement and foreclosure proceedings would follow if I did not pay all back months, penalties and a $5000 lawyer bill. I took a loan out from my 401k which totaled over $8000. I had to retire from my job because due to my illnesses, I was starting to miss 2 and 3 days of work a week. My position was protected by the FMLA but I was not getting paid. I survived for the next 4 years by living off of my 401k but that was also the time of the bank scandals and my 401k took a big hit. I eventually foreclosed in 2013.

I recently sent an email to the Board of Directors about how Wells Fargo treated my Loan Modification back in 2009 and they actually read my email and just finished their investigation to my complaint. WELL, not to my surprise, they still are lying to me. They told me I did not keep my agreement with them back in 2009. IF they would have given me a new loan back in 2009, I would probably still be in my old home and my illness would not have gotten as bad so quickly due to all the stress they have caused me. My main point is, they keep telling me I did not keep my 3 month trial period agreement. They NEVER told me about a 3 month trial period. They never sent me any information indicating this. In fact, they told me they have nothing to send me. I was to just wait until they came up with a new loan figure, with a lower interest rate. THAT never happened… I was just informed 2 days ago that I was at fault!!!

Also, the person I was dealing with, Rebecca ** at Wells Fargo told me if I had any questions or needed clarification during this recent investigation period, I should call her back. I called her back over 10 times in about a 45 day period. Guess what, not one return phone call. She told me 2 days ago that she only got my latest phone call. That sounded so familiar. That is the same story I have been hearing for years from this company. I guess if they play dumb and ignore you, things will just go away.

I lost my home, had to file for bankruptcy. Once I started the bankruptcy they re-started the foreclosure process. Once the bankruptcy was over I was still liable for the HOA dues on the property that they took over long before that, just because I couldn't get my name off the title. They then proceeded to take even longer to complete the foreclosure and rack up HOA dues I couldn't afford to pay on a house I didn't own. Now I'm being sued for back HOA dues and lawyer fees for a house that Wells Fargo stole from me and didn't upkeep HOA dues on, just because they took their time switching the name on the title to them. I wasn't going to file a complaint, but after 4 months of them doing nothing with the final HOA bill and now it's looking like they won't pay. I'm filing my complaints everywhere I can and am going to look into suing them.

Concerning the issue I sent multiple email to get the status of my application and the response was "we are good". However, on May 21, 2015 I got an email from our Mortgage representative as we were not approved for the loan due to "Your wife's credit score is 717 which is being below 740". Before we submit my application I clearly told our Mortgage representative about my wife's credit score is below 740 and she told me as that will not be a problem. I definitely believe the disapproval is from the bank's mismanagement. I was already approved from two different lender.

However I withdrew my application when the Mortgage representative confirmed as we will get the approval from Wells Fargo. By that time the rate went high to 3.25%. I sent a complaint email to the branch manager however he didn't care abut his customer. Even he didn't respond to my email. Finally I went with LoanDepot lender and they gave me 3.12% and they closed the loan within 25 days. My recommendation, don't try to get mortgage loan through Wells Fargo. They are good only to have checking and saving account.

Fast forward to summer of 2013, still no resolution and we are now going almost 60 days past due just to keep afloat. Contact WF home preservation again. This time after 3 months of sending and resending documents and rewording letters based on their working, we are told we are approved... for a repayment plan of over 2500 a month for 3 months. I tell them they have lost their minds. If I had that money we wouldn't be running behind. This is also after I'm told by the agent that as long as I didn't run over 30 days past due they could help me. Of course I rejected them. Well they said once my husband lost his workers comp checks they would definitely be able to do some sort of modification at that point. Now we are at Oct 2014. Workers comp has cut off checks. But my husband still can't work. We have an attorney to work that out, but now we are down to a single income which barely is enough to live on.

I call again. This time my assigned rep never calls me back. I leave messages for her to send the package to start a mod or something. The only calls I get from WF is collection calls. I'm now running 90 days past due and my in-laws are taking from their retirement to help keep our home. We can't afford to lose our home because my income is not enough to rent anything. So I get so frustrated, and we get caught up for a while when we get our tax return. Now we are in July. We got 4 months past due, in-laws borrowed us more money to get caught up, I decide after paying up to date to try once more time for help. Hopefully we are closing in the end of the workers comp but still could be several months before a settlement. The rep that took my payment took all my information and say that we are almost 2500 short each month including the mortgage payment and transfers me to the Home preservation dept again.

The lady proceeds to tell me that since I am up to date I don't show that I have any hardship, even though my budget analysis is staring her in the face. Said to call back when I'm past due and then they may help. That is so ridiculous... won't help when I'm past due and won't help me to not become past due. It's a scam. They don't care about people, would rather make you homeless than try to help. Prior to this injury we were perfect pay customers for over 5 years with them. I truly believe that WF and workers comp are run by the devil at this point. Hope no one ever has to go thru what we have to this point. It's the last time I'll ask them for help. I'll just continue as I have and hope that workers comp resolves itself soon and my husband can be well enough to go back to work.

After 3 months the buyer became frustrated because WF would not finalize the closing paperwork and backed out. After a while I tried again to sell as a short sale, although I was sure it wasn't short of funds if WF would apply the payments I made. I could not make that happen still. I had a buyer again and was going on with the sale. But after extending the contract twice, WF was still not getting it finalized. Again I was frustrated and did not extend again.

After a lengthy time, WF filed without any notification to me, but I was watching the court process and appeared. They were the third company to have the note but produced a realistic-looking original note with my signature which I questioned because when I sign I press hard. The judge accepted their argument. The attorneys, shortly after, dropped the case. To sum it up, after 57 months of fear, stress and embarrassment, they were granted a sheriff sale. I do not know why they blocked all but foreclosure. Must pay better I guess.

Updated on 08/20/2015: They would not respond on this site, but did send an answer to my statements. As I anticipated, the answer displayed the same practices they have done since I began dealing with them. The dates are inaccurate, all answers are inconclusive and inaccurate. Wells Fargo tries, very poorly I might add, to play with the numbers and confuse the homeowner until they give up. I do not completely understand why they push foreclosure so hard. There has to be a profit advantage to it. I intend to post the response to my last statements and my reply. I think it will be clear to anybody that pays attention that it is complete runaround to acquire the home.

We wanted to pay our own property taxes and insurance - as we have for many years. At closing we discovered our contract included paying into an escrow account so WF would pay the taxes. Cannot be changed. And now, a year later, they've taken over paying our homeowners insurance and increased our mortgage payments to cover that. A unilateral change to the contract. Furthermore, I do not trust them to make those payments in a timely manner. I am paying this off and getting out of any dealings with Wells Fargo as soon as possible. I advise you to stay away from them.

Over this time span, I wrote letters of explanation (many) provided repeat (expired 60 day) documentation, provided same documents they said they didn't get. I had to provide so much and I always did a near 24 hour turn around and then they would not even look at the documents for a week or more at times. I understand the underwriting takes time but 5 months and not closed? Five months?? I had 75-day contract with seller first contract and second contract (after negotiations) 75 days also. So July 17 my contract will expire and unless I ask for extension, I will lose the property and about 4k out of pocket.

I cannot begin to tell you how hard they made it for me. My credit score is 693 and I take home 4k a month average and the property is 141k with 5% down. I am paying $1100 in rent all these months.

I would advise not seek a mortgage with WF. Find a broker. Go to a credit union or local bank. Try to have 20% down. You will have more choices. WF will cost you valuable time, money, energy, and much much stress. They make no money unless they close a loan but interestingly, they cannot seem to close a loan. I thought it was just me, but I was told by people in the area (including the title company which closes loans daily) that "Wells Fargo sucks" when it comes to closing loans. When I calm down I can add more specifics but I am removing my money from this institution as soon as I can. I will go to local credit union and I will find a loan with some other institution. There is something vastly wrong here.

How can this be, we ask??? Why was this not determined sooner if this was in fact a criteria for denying a loan? How can Wells Fargo do this to consumers and get away with it? We have asked many questions but no one seems to be willing to give us a straight answer. I have asked from Wells Fargo to provide us with the source they use to deny our loan but have not received anything. We received the denial letter but it was very confusing as to their reason. We are still receiving correspondence from Wells Fargo as though our loan request is still active. We would like answers as we feel this kind of consumer treatment is not acceptable.

Now their letter stated that we have 2 options. Option 1: Send them a check with the difference to reach their 75% and Option 2: Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, (BPO), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?

This is has been the worst experiences ever in my 15 years of working with any bank. Please don't go to Wells Fargo for a home loan.

I then asked if I could get a mortgage myself. He insultingly said, "only if you want a 50k house, which I sure you don't". So we continued to wait for the final word if Yes or No my husband and I could get a mortgage. One evening at 9pm we get a call from a realtor we were working with. She then told us that ** from Wells Fargo called HER and told we were denied. He never has not yet to this day called us or sent a letter... On the positive note... I applied for a mortgage by myself, got approved for a very good amount, and me and my family are living in a beautiful home.

I contacted Wells Fargo regarding a loan modification because now we were existing on my salary only. I filled out all the required paperwork. Sent in a letter from **'s doctor and wrote a letter regarding my hardship. I stated I do NOT under any circumstances want to lose my home. I was willing to refi or whatever I needed to do. I was approved to start the trial period for the modification paying $670.79. I was told to call my home preservation specialist ** to make payments. I tried for a week with no response to make a payment. It was finally taken by another person. Then May payment came around and I tried again to get a hold of ** and she never returned my phone calls. So I finally got that payment made and requested a new home preservation specialist. I was assigned to ** on April 30.

I then started receiving letters from Wells Fargo that my home was going to go into foreclosure unless I came up with the whole March payment (which I was told not to make) and the $210 plus another $210 to counteract this. I tried to call ** and left messages. She finally returned my call so I could make the last trial period payment for June. That was made on June 1. ** told me she would be sending out a packet for final consideration on the loan modification but she has yet to send the packet. I have called her everyday last week and I have yet to hear from her. I spoke with a ** and he assured me he would expedite the final packet out for the loan modification. We will see. I don't know what I am to do regarding a July payment, as no one gives me an answer for that.

I can tell you I have been a good customer to Wells Fargo. I have a car loan with you that I have NEVER been late on as a matter of fact I usually pay a month early. I have a credit card with you and make more than the monthly required payment. My mother has her retirement with you and my sister has a home loan with you. We had NEVER been late on a house payment until this loan modification started and I was advised NOT to make the March payment.

I have tried to refi with several companies but because I am considered seriously delinquent with your company and you have reported me to the credit agencies, I can't get refinancing. I DO NOT WANT MY HOME TO GO INTO FORECLOSURE. I WANT TO KEEP MY HOUSE! I thought I was avoiding that by the loan modification. Obviously not. I received a letter stating that Wells Fargo doesn't take partial payments and you are holding $400 & some odd dollars in escrow until a payment is made in full. So I have no idea what to do about the July payment.

I am working 7 days a week so I can make the payment on the house. My husband doesn't have a job and social security disability has turned him away. He has no means of income and I don't see any in the near future unless we get a miracle. This is why I think Wells Fargo sucks! Can you change my mind? I still get no one to return my calls. Last night I tried to call Thomas Stumpf but he does not take phone calls from his million dollar mansion. This is the WORST company ever!

Updated on June 24, 2015: ** has asked me to contact them. I did but they have no help for me as now that I have gone through the trial period of the loan modification they want to go back to original payments which I can't. Wells Fargo doesn't want to help. They TOLD me not to make my March payment when I had never in 14 years been late on a payment. NOW they are threatening foreclosure. Try it Wells Fargo.. I will declare bankruptcy and I will keep the house. Wells Fargo does NOT care!!! Pray you don't have a mortgage with WF and have something happen to your spouse and your income is cut in half. I have done exactly what they asked me to do and I get nothing. Can't even get a hold of my Home Preservation Specialist ** to make a payment. Even tried calling ** but he doesn't take phone calls.

I get a call a few days later at night from ** who tells me the underwriter has decided the only thing they can do is let me pay $1100.00 in June and $1600.00 in July. I told her that was stupid and how would that help. I wasn't doing it. So I go to pay my mortgage and they locked me out of my account. I call in, it will only let me pay the $1100.00 and I did receive paperwork different from what she said. It said my payment would be $1100 till circumstances improved. She calls me this past Saturday and said she needed the other $266. I was not approved for anything and that part of my payment was past due. 7 months of Wells Fargo running around doing nothing. Won't return your calls. I do not understand why our government gives these crooks money until it is needed during the actual program being followed.

It didn't take long before I was talking with someone named ** who couldn't of made it more harder to understand what I had to do to fix the problem!! So I reached out to the surveyor who actually came to my home to do the flood survey. He was not surprised to hear from me about it!! He said during the economy crash a lot of his customers were being put through this flood issue again because the banks that bought out other banks had lost paper work. Turned out that was my issue, one piece of paper called the Community Acknowledgment form had been lost. It didn't even matter that I had all the original proof either, I had to re-open a new case and it took 6 months before it got completed. Within that time I had to miss work spend hours on the phone with Fema and Wells Fargo. I got endless letters from Wells Fargo about Foreclosure short sales and how my mortgage had gotten so behind!!

The 1900.00 policy had set me up for failure over something I had already taken care of years earlier. I made an appointment with the City Chief Building inspector to talk to him about it and he couldn't even believe I was being put through such an ordeal. The mapping on his computers showed I was clearly not in a flood zone. He called Fema and on speaker I heard the rep ask him to write a letter stating his findings and he did. Fema had told me Wells Fargo requested all of this and it was because of them that I had to go through it again. Now its June 2015 and I received the proof from Fema that I am not in a flood zone.

Back in April I faxed the paper work to Wells Fargo like I was told and they assured me during many of my calls to them that when they received it every penny that went to that flood policy and the late fees would be credited to my most recent payment due, and it still hasn't happened. I speak with them on a regular basis, I have to tell my story at least 3 times before I even get to the right person and then I hear a nice person with a great tone of voice reassure me he or she will fix it. I asked for a history of my billing for the last two years two weeks ago and still haven't received anything. I don't even know what to do anymore. I have been told I should see an attorney. Does it really have to get that bad these days?? Now to make matters worse I had a water loss in my home!! I reported it to my Home Insurance right away and the Water restoration company came right away to take care of damages.

When I told Wells Fargo about it they said I had to complete a home improvement kit from them which would include paper work for the general contractor and none of the money from the insurance company would be released by Wells Fargo until this kit was done. Well they said they faxed it to the branch I gave them the number to, so I went to the branch 3 different times. All the reps knew what was happening and were shocked every time I came in and they still didn't have it... then they said they sent it, that wasn't true because I was going to the house after work to get my mail every day. Finally one of the reps in the lost prevention dept. said something about me not qualifying for the kit because my account was delinquent.

So now I was explaining about the Fema nightmare and how my account should of been adjusted by now. So Wells Fargo was holding my Insurance Check for the repairs to my home because of the balance owing on my mortgage... the scary part also is that the reps in the loss prevention dept. didn't see how many recent payments had been made on the account. It's like they don't work together to help customers. I was getting calls from the housing people about the completion of the house! I was working 40 hrs. a week always trying to find time to call Wells Fargo not eating, sleeping major anxiety from the fear of losing my home. I had help from family and am back home now but still have not received the check to pay the workers. I received it once and loss prevention said because it was made out to the general contractor and me, all we have to do is sign it and deposit it. So I did that! And the next day it was available.

One day went by and the ATM dept. said it was not available because the general contractor and myself have to walk in to the branch together and he will need to stamp it. I was so upset I called loss prevention today and asked them "why didn't you just tell me that's what needed to be done from the beginning??" And she said it was weird they have never been told that before and that telling a customer that both people endorsing the check is fine??? What is going on?? I cannot believe how I have been treated. I am wondering how many other people are being treated this way. Honestly I think they want me to lose my home...

They decided they would not count my rental income (from two homes that I own that are being rented) and my bonus money from work as part of my overall ability to pay. I am so disappointed that they keep me hanging for this long and then at the last minute pulled out. I have paid off several loans with Wells, never a late payment, and have a history of paying. I have had other friends advise me that they had similar issues with Wells but were able to get financing elsewhere. I will NEVER USE THEM AGAIN, AND WILL BE CLOSING MY BANKING RELATIONSHIP WITH THIS BANK. DO NOT USE THEM IF YOU DON'T WANT TO BE STUCK.

Basically the law reads that because WF is a national bank they do not fall under any state laws and the loan preservation specialist can lie to you. Cheat lose your papers, tell you you are getting your loan modified. And that the preservationist is postponing your foreclosure sale. Then ignore you. Sell your house then have your case dismissed in court because the law says: we're Wells Fargo. We don't have to tell our lenders the truth. We can tell our lenders we are helping them all the while stealing from them and get away with it. Legally. Call me **, Maumelle Arkansas and ask me about taking WF to court and how successful that will go. These people stole my largest asset, ruined my credit, stole 80,000 in equity, and I had to spend 21000 and 44 months to finally find out that what consumers say is true. These are criminals running a bank stealing from the poor to line their pockets and buy political office holders and judges.

I have been dealing with liars and people who withhold money to make interest off of not paying our contractor the money that is due, leaving us with a house that is unfinished for 7 months now. To top it off, I received an email that they cannot release any more money because my maturity date has passed and they'd like to know why. ANY HELP OR KNOWLEDGE HOW TO GET MY MONEY WOULD BE MOST APPRECIATED.

Updated on 06/30/2015

Received a letter today from Wells Fargo regarding a Mortgage for a home they are processing for me in Dickerson Texas. Problem is I did not apply for a mortgage. I did however file a complaint with the BBB regarding a Lien Wells Fargo maintained on my home for 12 years after the loan was paid in full when I refinanced in 2002. I recently discovered this after applying for a Home equity line of credit at my bank. I contacted Wells Fargo and was instructed to fax a letter to the Lien removal department. When I called in follow up I was unable to determine if the fax was received.

After two phone calls and talking to three individuals I was told it would be three months to remove the Lien that Wells Fargo maintained on my home. The BBB intervened on my behalf and I received a letter after a month from Wells Fargo indicating a letter was sent to the county to remove the Lien on my home. I am concerned about what actually has been done and who has been given my personal information for a mortgage I have not applied for.

When someone promises to call you, tonight with any information, even if it is no information and they do not even bother to call, text or email you when they said that they would no matter what, really upsets people. It shows a complete lack of concern. It shows that you do not carry through with what you say, it shows you are not on top of things. Zero integrity. If I could stop the process with Wells Fargo now, I would immediately go to any other mortgage lender I could and obtain a mortgage. The 2 processor from Wells Fargo I have had to deal with are ridiculously unprofessional.

Ten minutes before local branch closes today (Wednesday May 20th) my husband gets a call on his work cell asking for documents that were provided nearly TWO months ago. Now, there is pretty much no way of closing this Friday. I feel bad for the sellers, who have already moved out. We have also already transferred utilities, etc. into our names. I HATE Wells Fargo, and intend to never do business with them again. My husband has been at the same job, salary for ten years. We own two houses currently, have no car loans, etc. I think they only want people whom they know are at risk to go into foreclosure. I think it is one big scam.

Our Wells Fargo Mortgage consultant knew of my husband's flight plans and told us great. 2 weeks ago this Wells Fargo Home Mortgage consultant called to tell us they cannot approve loan due to too many late payments in past few months. How could they not see these lates before we applied and were pre approved to the extent of booking flights and sending our out of state realtor a letter, of which she still has records of?

After I told people (hundreds), they were flabbergasted. Now the insurance -- I was put into escrow. I didn't know what the ** that was. Now they tell me I have to pay back what escrow doesn't have in its account. In other words, Wells Fargo didn't pay enough to the insurance co. and that pissed them off. So Wells Fargo said, "Let's get it from Gary. He don't know what's going on." I cancelled my insurance. Got my full check back and now I'm gonna make them ** foreclose on me then give them a good cussing. Lol, lol, lol. You all have a nice day. Don't use Wells Fargo for anything. You'll get screwed in more ways than three. Lol.

Again, we have to wait for Wells Fargo to not do their job and hope they sent us the proper papers this time so we can move on and have our financial freedom back. I will NEVER do business with Wells Fargo regarding a loan of any kind ever again in my life. There is no communication, customer service, or any form of effort to make anything happen as promised or smoothly. We have been waiting 6 months for a process that was supposed to be done in 3. They have changed our "specialist" and we still can't get any answers or contact from them so that we can get this done.

All we get is brushed aside and told we need to get our paperwork done correctly. We have asked to sit down with a mortgage banker so it can be completed properly, and have been denied. We have asked to schedule an appointment with said notary and been denied. We have asked to have a phone call returned and not received a call. All we have gotten from doing business with Wells Fargo is our credit destroyed, and a bank that can't seem to do their job so that we can move on with our lives. VERY DISAPPOINTING!

It was unbelievable to me, I was tired of them and afraid of what their next evil step would be. I had enough money in my retirement fund to pay off my loan. Even though I had to pay a penalty, it was worth it. What if I didn't have the money? They probably would have had me kicked out of my home and I can try to battle them later. Lots of luck. I asked them for payoff amount and just left the lost check out of that amount as if I never paid it... and paid it in full through my bank on a wire transfer. I was sooo glad to be rid of them!! For good!!! Or so I thought. A few months later, wells Fargo tried to collect money out of my checking account by depositing that check that they deliberately said they never received it. I called bank because I received a charge for non-sufficient funds.

My bank told me that wells Fargo has tried 3 different times to cash my old mortgage payment check and they would always try to get it on Friday. Luckily I already paid other bills and there wasn't enough for them to rob me of my 900$ even though my loan was paid in full months earlier. I had to put a stop payment for anything from that company. They are crooks robbers and thieves... VERY EVIL.

Come on WF! Why can't you work with our military?! I think this is deplorable! You don't care that our young folks are doing their part to support our nation, serving in harm's way, so that you can do this to them in return?! I am a retired military veteran who is very proud to have served and very proud of our nation. I am not at all proud of WF. Just look at all the bitter complaints WF has received, and they still don't get the picture.

So since I was being held prisoner in my own home, I applied for a loan modification. I got the same ** everyone else is complaining about with Wells Fargo. 4 times I applied for a loan mod with them & 4 times I didn't qualify; I MADE TOO MUCH MONEY! Then I applied again and didn't make enough. Again, WTF? THEY HAVE PUT MY HOUSE IN FORECLOSURE 3 times and I have been put through their torture every time, right up until the day of the sale when I have had to pay thousands of dollars to attorneys to stop it. HOW CAN THEY DO THIS TO PEOPLE??? I should not have to re-qualify if I don't want to when everything was fine before they came over and invaded my life.

What is going on in the UNITED STATES OF AMERICA when our government lets a bank this size, ** & STEAL people's home from them? The HELL they have put me through has ruined my life and I've been fighting them all this time while I've been trying to fight CANCER! I DO NOT HAVE MUCH HOPE LEFT and don't feel we live in a free country.

Original Review: April 30, 2015

My wife and purchased a house in 2103. We have perfect credit and have never had a late payment on anything including the house. I lost my job in January of 2014 and immediately applied for a home loan modification because in my industry it's been tough to find work, despite best efforts. I was denied twice and only given the option to use their unemployment forbearance which to me seemed like a bad idea and might only delay the pain of foreclosure.

My wife is working currently and does bring in some income. We've now been forced to use most of our savings and if something doesn't change soon we'll be in financial trouble. In reading some of the similar issues others have had, I've come to believe that Wells Fargo DOES NOT ever grant home loan modification requests to anybody, only offers it to comply with newer laws. In conversation with a friend I found out I can file a lawsuit against Wells Fargo, so that's what I'm going to do. I believe I'll prevail. I hate to have to do it and wish I could work this out with Wells Fargo but I really don't think they will be helpful. They have not once tried to follow up with me and be helpful since I applied and was denied for the modification.

Is this harassment of the consumer? Home is only vacant 8 ours a day to go to work. Is this to scare ins co so they drop borrower and the Wells Fargo has all the power to steal property? Power to legally break into home for a second time (oh but they cover their hind end by hiring a "preservation company" to do the breaking in) does the consumer have any rights anymore? Americans borrowed money to this banking institution to save them from failing. DID they use that money on schooling on how to steal from borrowers? DID they find some snakey loophole to rob American borrowers?

The next day Dec 24, Christmas Eve, I received a call on my cell phone form the mortgage specialist. He said he had no idea who he was calling or why because all he had on his desk was a note with a phone number on it and nothing else. So I explained the whole story to him that I have typed so far. The Specialist apologized and told me he would email me all the information I need to authorize a credit check online and get the process started, and he would call me as soon as I completed the online steps.

I completed the credit check authorization and Got to the final part where I was to either email or fax all of my proof of income, retirement investments, etc etc. I did not want to scan all these documents and send them through the internet because they have a lot of my personal information on them, so I called the specialist and left a message on his phone asking if I could drop the documents off to him in person, and that I would like to have a meeting with him in person as this was the first experience I have ever had trying to buy a home and wanted help through the process.

At that point, I was fed up, and I called customer service to try and file a complaint. Well, it seems they don't have a complaint department because after being given the run around being told over and over that I was being transferred to the proper department, I was transferred back to the original Customer Service Agent who answered my call. The agent said he would transfer me one more time and I should get to the right person to handle my complaint, that they figured it out now, and was put on hold again.

After waiting on hold for several minutes, a COMPUTER VOICE said "I'm sorry, we are unable to help you at this time" and the COMPUTER hung up on me!!! This entire process took about 30 minutes. I called again, told the CSA that I was hung up on by a computer, was put on hold for 10 minutes, and the exact same thing happened again!

This was a horrible and unprofessional experience and I will not trust my money to these fools! I am 21 years old and make over $40K per year, which means I had A LOT of potential as a loyal customer but instead of treating me as such, I was treated like crap, like a little kid. Well, I'll take my $$$ I had built up a good chunk in those account at Wells Fargo and take them elsewhere! The mortgage specialist's name is **, I only spoke to him ONCE on December 24th and was IGNORED and BLOWN OFF after that!

Called with the money to cure default, was told they couldn't take it because account was on lawyer's desk. Called lawyer who NEVER could be reached. Now I had to pay default and lawyer's fees or it was being foreclosed on sorry. Yet nobody would EVER talk to us! Here is it 36 months later... $55,0000 behind, still not willing to help, short sale... Nothing! Nothing in good faith what so ever!!! Broke laws by not doing what they said they would... Forms never mailed... Calls never answered... On and on... The house is waiting for a short sale approval with an counter offer that they wanted... That they are dragging out!! Three years and counting... Life stealers!! Never missed a payment... Had a life crisis... Was told to miss payments for assistance and you get your home and life robbed from you!

I called to see when additional money would be released, since we had the report. I was told that we needed to schedule a 50% inspection, which I immediately did (At this point we have laid out $28,749.42). Today I received an email from Wells Fargo's inspector stating that the 50% inspection report was complete & could be viewed on their website. I clicked on the link provided in that email & Wells Fargo's website says that the report is pending & that they have not received the Clean air report. I received a call today form a Wells Fargo representative that stated that they would be willing to send me another $5,000, after I sign a Hold Harmless agreement. I told her that I refused because I now feel that Wells Fargo is liable for any health issues that may arise to my family due to their lack of response to clean & contain the mold in our home.

When I came home from work this evening, I uploaded again the Clean air report, all of our invoices from contractors, proof of payment to them, W-9's, Conditional Waiver of liens. How do they expect homeowners to advance money for repairs? If we did not have this money our home could/would never be repaired. They are holding our insurance claim hostage. They have changed their rules along the way, to delay payment.

She assured me that she would handle it and then email me asking for the same information all over again. I resubmitted updated info and asked that they reply back confirming they received it. I was told by the manager when I went to the office that I was approved for all sorts of assistance and in 12 days from the day I sent them the info that I would get a letter. It was day 14 and I had emailed once and now again asking for an update with no reply. I recently found out my Ex - girlfriend and my son's mother works there in the Home Loan Management department so naturally I became concerned that she may have been looking into my file and my financials. It just seemed so weird that I would hear nothing but they keep requesting the updated data.

I have finally given up since now my realtor has pretty much given up. So I have lost out on the LIFT program and several homes within my price range. All I wanted was my own home with a room for my son when he visits but for whatever reasons, Wells Fargo has failed me. I have an Auto loan through them and now this makes me worried what they might pull. For the record I have a mediocre credit score and it's slowly improving, my car payments are on time and way more than the minimum. So it's not like i'm some dead beat trying to get free money here. If I where you I would just not even consider Wells Fargo at all. I know my X and if she works for them then that doesn't say very much about who is handling your private financial information.

Also, I was going through the emails from Wells Fargo and found that the address from the agents (there are about three now) that contacted me, have the address as being the main office I visited to find out what the hold up was. So they knew I was there and didn't show their face and then had their supervisor do a call to me in a cubicle from another office in the same building. So basically they didn't even want to get up and talk to me. I wasn't hostile or mean or rude. I don't understand how they can be a financial institution. They should be investigated in my opinion.

I would recommend everyone to stay away from them. They treat you like they are doing you a favor. NEVER go with them, you can never know when you can close, and if you ask what is going on they treat you awful. I lost my time, energy, and money as I had to pay the property inspection, the condo application, the storm inspection. Over $500, which if they did their job properly they would have found that out from the beginning and would have save ourselves money and grief!

I would think that cutting our monthly bill in half would lessen us as any risk. We paid 100% on time even with a total of 3500/month payment. Also, I would think that by extending our loan back out, they would get much more interest payment from us. We are 5 yrs from paid off. I don't even want to give them one more dime of interest money. We are refinancing now a 10 yr with another bank. Better rates, and will be thrilled when we are able to take every ounce of business away from Wells Fargo. Starting the process of transferring my checking and savings to another bank. Next will be our CD's when they are due. Hopefully both mortgages soon. All in all, they are losing, not us. I wouldn't buy stock in Wells Fargo people!

My husband is making less monies than ever due to economy. They see this and say, you aren't making enough for help? What? We aren't late, but can't get medications, surgeries needed, so mortgage comes first. At my age 58, it's not getting easier. Just need a little help from them, to lower payments or appraise home again and see value dropped major. Hardship letters, years on phone - nothing. Worse bank ever, no compassion.

Anyway we get that straight and ** emails me that they needed one more thing so I send it. ** says he is sending everything to underwriting. But states they are backed up right now, it's busy season. I'm exciting think yay! We are moving forward. I wait about 3 weeks, I hear nothing. I email ** no answer. I send a 2nd email this time attaching it to his manager. No surprise, ** answers and states: "Unfortunately your file was cancelled due to incomplete documents and length of time in process. In order to continue you'll need to work with your local Wells Fargo Branch Loan Officer. If you'd like I can connect you with a local Wells Fargo Loan Officer in your area and transfer the file to them?"

Who knows how long he has had this info? And if I wouldn't have emailed him today I would probably still be waiting. I wasted 4 months waiting on WELLS FARGO. I will NEVER(!) EVER use Wells Fargo for anything! Trust me, don't use this company. It is a big waste of time!!! And that's cause my credit score is decent!

I was assigned to a specific representative who helped me through the whole process. They quickly approved me for a temporary reduced payment plan that was actually affordable (and a fraction of my normal payment). They kept me apprised of what was going on the whole time, and gave me plenty of notice of changes. In the end, it took me 8 months to get caught up on my mortgage, and they didn't charge me any fees after the first month (which was before I asked for help), they didn't harass me for collections (I got about 1 call a week after the end of the payment plan, which is hardly unreasonable), and they didn't file for foreclosure. There may be cheaper lenders or lower rates available elsewhere, but if you ever run into trouble, you'll be glad you went with Wells Fargo.

My stepfather had no life insurance so my mother is living on s. security 1145.00 a month. Her regular mortgage payment to Wells Fargo was 1000.00. I've taken over caring for her finances and she has gotten a part time job. We she did get foreclosed on but it was stopped with a lawyer. They started to finally listen (so I thought) - well that was a joke. They had approved the loan mod and it was agreed they (Wells Fargo) would draft from her bank. Well you guessed it - they never tried. According to the bank Wells Fargo had never tried to draft the first payment.

When the trial payment was due we were concerned that something was wrong. I kept close eye online over my mother's bank acct as well on the due date. Nothing are taken from them so we made several calls and was assured that everything was fine and payment was taken well. IT WASN'T. So we sent a paper ck to them - it was cashed. The next month same thing - another ck sent. 3rd month SAME - another ck sent.. and they are apparently charging late fees as well but if they were supposed to automatically draft from her bank acct why is this happening and now we received letters that she failed the trial Period. I'm at a loss. I don't know what to do. I hate this company!!

I immediately told her to stop this entire process. It scares me to know that a mortgage department would make so many mistakes and enter information wrong to the point that it could potentially hurt us. Not to mention that trying to contact this loan advisor was almost impossible. If you are looking for a home loan, this is not your bank. I strongly recommend that you apply with a hometown bank if all possible.

Instead of calling me, the person who has been paying my mortgage on time... well they came into my home, kicked the doors in, changed my locks and threw out my personal property... took a house that was perfectly secured and broke both of my doors... and winterized my home. My kids were up there new year's week and we're heading back to ski with friend the coming weekend. They did all this damage. A sheriff called me to let me know what was happening, not wells fargo.

The very next day they overnight me the new key and had to send company back to dewinterize my home. I have never in all my life felt so violated. Now they have to pay to replace my property and 2 new doors. Stay away from this bank. I am getting a lawyer to sue them. I don't want this to happen to another family.

It is supposed to help you lower your mortgage monthly payments and interest rate. When you do the research, it could lower your interest rate to 4%. We were told the terms of our modification: our interest rate would be lowered by .25% making it 6% and also that our monthly payments would $16 higher than our previous monthly payment. When we received the paperwork 1.5 months after those terms were given to us, the interest rate was only dropped by .125% and of course our monthly payment is still more than our previous payment.

The modification is advertised to help the homeowner lower payments and interests rates. However, it is under the discretion of the mortgage company to lower those amounts. Wells Fargo could have lowered our interest rate and monthly payment, but chose not to. I called the home preservation specialist and she said that the trial period payment and percentage rate is not guaranteed.

The preservationist would not return my calls. I called over 5 different times/days. I received another letter in the mail stating that if I didn't contact them they would be forced to foreclose. I kept trying to contact anyone, ANYONE, and when I called any number, it transferred me straight to the preservationist assigned and who would not return my calls. I kept saying I had the money on the voice messages I left.

I finally got a hold of someone by using a friend's cellphone and told them my situation and to NOT transfer me to the preservationist. They looked up my account and said I'd have to talk to the attorneys because my house was to go into foreclosure. I said I had the money to catch it up but they said I couldn't pay it, I had to pay it to the attorneys. I had just gotten the letter in the mail and nothing said anything about it being in foreclosure so I couldn't understand why they wouldn't let me pay. I never received any indication at this point it was in foreclosure or any attorney information for that matter prior to verbally over the phone.

I called the number they gave me for the attorney, but I got voice mail. I left a message. No return call. This went on for over a week. I even had asked the receptionist if I could please talk to someone who was in their office. She transferred me to the same attorney extension with no answer, same voice message, No return call.

I called Wells Fargo back trying to explain that I have been trying unsuccessfully to get a hold of someone at the attorney's office they said I needed to talk to. She said my home was now foreclosed on. I was in disbelief. How could they? I asked her who bought it and she said "WELLS FARGO." Wells Fargo auctioned off my house and bought it back themselves???!!!???

I spent many countless nights crying over this whole situation. I had done so much work on my house and only rented it out until I could find work back in my hometown of Kansas City. I now had no place to move back to and for over a month I was doing nothing but trying to pay my mortgage. How can this even be legal?

Again I explain to him I have no income, I just need a little time. I'm going to be in the hospital and laid up for 6 to 10 weeks. I mean do you guys really want to take my house, you almost took it a couple years ago because I owed $3000. That is unbelievable, he again said in an angry tone, “we can’t help you.” I have a friend who lives in a rich part of Warren Michigan; she was in her house for almost 3 years without making a payment. Of course she didn't have Wells Fargo and by the way, didn’t we bail your company out when you needed help. I just can't believe that nobody there will help me. It’s not like I'm asking for $1,000,000 people.

Anyways when I get the settlement I plan on switching from Wells Fargo and I will put in the worst letter possible in to the Better Business Bureau about you guys. When I did have a job and was working, you still wouldn't give me a modification. You kept sending me to the home preservations and they wouldn't help me either. You told me I made too much money. I made three hundred and twenty one dollars a week. I couldn't even make all my bills. Then one of your home preservation operators suggested I get another job to help pay my bills. Who is she to say that to one of your customers. I don't even know how many years I've been trying to get a modification from you guys and it was always something you couldn't do.

You go thru thousands of paperwork and then they ask you for more paperwork and then they say “sorry we can't help you”. That's why I signed up the attorneys that are trying to take Wells Fargo to court. I just spoke to the lady, she said they have a new judge that is taking a good look at this case which I hope they win against Wells Fargo. You know if you're not going to help people out, don't put down in your letters that “if you are having difficulty making payments (and it’s underlined), please contact us immediately to discuss new assistant programs available through Wells Fargo”. You know how many times I have done that and you will not help me.

Well like I said, I'm done with Wells Fargo. Soon as I get this settlement, you will not be getting no more money from me and I will make sure everybody in my family and all of my friends know not to deal with Wells Fargo. Anybody need the attorneys numbers that are suing Wells Fargo for not giving modifications, feel free to contact me **.

We beg to have an extension, renegotiate, we have never missed a payment, have credit scores near 800. NO! We shop around but because there had been no sales in the area only foreclosures and short sales we could not get an appraisal for nearly the amount we owed. Hundreds of phone calls, faxes, and emails were sent, with no progress. We get a short sale offer-near what we owe, they lead us on that they will accept but in the mean time they auctioned it at the county courthouse.

Laws vary by state as to how they have to notify you so in our case putting it in the paper is all they had to do and we don't subscribe to that paper. They got less than 1/2 what our short sale offer was. They 1099'd us for the rest, so we paid taxes. 4 years later they sue for the remainder. We spend several 10s of thousands on lawyers to settle for less than the owed amount. All of this could have been avoided if they had negotiated in the beginning - they would have gotten the same amount and not ruined our credit, crippled us with debt, stressed us out to the point of a breakdown, and humiliated us. BUT THEY WANT TO DESTROY PEOPLE. It’s a goal they have, they obviously do it over and over and over if you read these posts.

And given the media coverage of their own employees saying they deserve raises for doing what they have to do when the company has MADE BILLIONS even their own employees agree. The real estate agent representing the people buying our short sale said she had never dealt with such a rude, unprofessional, deceitful group as the one she was forced to negotiate with during our sale and she had been in the business for years. So that's their MO: Seek and destroy. Avoid them at all costs or believe me it will cost you.

So I continued to call on rotation and our realtor did too, it still moved slower than a snail in peanut butter. The worst part was when we were required to start the entire process over in June after we were supposed to have closed several times because they "ran something wrong" and our credit fell 1 point below their acceptable bracket.

We finally have a close date, and I call our closing attorney's office for the time I am supposed to be there to sign the papers and they say "what closing papers? I don't have a package submitted for that location." Queue the freak out. I called our realtor in a panic and he took it over from there. If it wasn't for our awesome realtor we would never have gotten our home! 12 hours before close, he calls and says "alright you'll need to bring $2,700 to the closing tomorrow in order to sign the papers." What? the closing fees were supposed to be part of the loan, "well I can do that but I would have to start all over."

Our realtor paid our closing costs from HIS COMMISSION. Talk about a stand up guy making up for a crappy experience, he also refuses to use Wells Fargo ever again after our experience. By the way, we FINALLY closed October 24, 2012. The issue now is fighting to KEEP our home. In 2013 my employer messed up my tax deductions, in 2014 we ended up owing $2,200 in unpaid taxes, in May of that year I was almost hospitalized due to major illnesses and in June I was forced to quit my job due to unsafe work conditions. In order to provide a better future for our family we decided it was best for me to pursue a new career back and get my Bachelor's. Due to my messed up taxes, we did not qualify for any Pell Grants and minimal student loans that did not cover the cost of tuition and fees.

We were down to one income and rather than receiving extra money for school. We were now stuck with a thousand dollars in fees. Plus my class schedule was so random and hectic that I could not have a 'real' part time job. We were able to keep up with our mortgage until September 2014 when our savings was drained and minimal money was coming in. I started after school pickups and babysitting to help try to cover the costs, and it still wasn't enough. I called WF in order to see what our options were and was passed from person to person repeatedly. I was also told that I could not do a loan modifications while we had delinquent payments, not just in September, but also October, November and December. It is now February and we received notice that our loan has been submitted for foreclosure due to 'unwillingness to return contact" and "inability to make payments."

I have been calling at least every other week begging for help. I called them that night, we were quoted the reinstatement cost and explained that we just filed our taxes, "we know what our return is going to be and we can cover the delinquent amount PLEASE reinstate us and we can keep up on the payments!" She said that our loan hadn't officially been updated to foreclosure yet and that she would send our official reinstatement letter, stall the process in the system and we would be good to go.

Our letter finally comes and the quote has an additional $3,000 in 'foreclosure fees.' I call them frantic the day I receive it and explain that it's not possible to have an extra three grand that we are already literally throwing every ounce of money into our house and that the number is NOT what we were quoted "We're sorry you were misinformed."

They say "oh well your options are loan mod, liquidation or short sale." WHAT???? I was told we couldn't loan modify because we had past due payments "We're sorry you were misinformed." SERIOUSLY? Now that they have us in the foreclosure process and we have received a "Home Preservation Specialist." We get through the collection process of paper work and I think we're good to go. She calls and says "I'm sorry I didn't realize you had a 'farm' loan, I need more paperwork." I submit the extra paperwork and she disappears. No confirmation of receipt, no returning my messages, no easing my mind. She finally returns my call and says that yes everything was received and submitted, they usually take 3 weeks, if they accept it'll hinge on the USDA also approving the modifications which we won't know for at least a month.

In the meantime regular payments will accrue (THAT I CAN'T PAY BECAUSE THEY WON'T TAKE MY PAYMENTS) and that if it is rejected, expect to pay the full amount 'plus any fees that day. So here we are literally selling everything someone will buy, doing odd jobs and looking for a roommate in order to have the extra money to save our house because that left over balance due to the IRS? Yeah they took it from this year's return so we got $1.500 less than we expected to... before the fees. They don't care about us or our story or that we both bust our butt and are in this situation because of a series of unfortunate events, not bad money management or extravagant over spending.

So we sign up for the forbearance making our lower monthly payments prescribed under the forbearance agreement. After 6 month they explained we weren't showing enough late payments for a modification so they renewed it. 6 months later they did the same thing. Finally after being on the forbearance for over 18 months, they said “sorry you don't qualify for any program.” Your options are FORECLOSURE, turn over the property, short sale or pay the back payments and interest of $22,000 immediately. After speaking with many banking officials they said why they didn't just offer you a stream line refinance. I explained to them they told me that wasn't an option.

I ended up losing my house on a short sale. So what my concerns are how can a bank guide their client to do something well knowing the outcome was going to be devastating to their client and lead them away from the correct procedures just to take their home. So not only that they cause me to lose my home, they damaged my credit so drastically I have no way to recover from this for at least the next 3 years.

UPDATED ON 03/26/2015: So Wells Fargo contacted me about my previous review. She was actually extremely nice and allowed me to give my opinion on my the issue at hand. After a 2 hour conversation, she admitted that maybe all my conversation with the Wells Fargo Representatives weren't totally clear on the programs but she found nothing negligent on their part to offer any type of a solution or restitution. She said, "You were denied modification due to the home was not owner occupied, because your mother was living in property". And that "You clearly stated that fact to a representative back in 2011 when you first spoke with us." I explained to her, "My mother was living in the home and that I was trying to refinance it to reduce her monthly payment."

Then I asked her was "If they knew it was not owner occupied why did they still recommend me to do a forbearance for 6 months to qualify for a modification?" She explained to me that "In 2011 the home did not have to be owner occupied to qualify for a modification and that fact changed after you entered the process." I then contact FHA serving center to verify this information. The FHA representative lead me to their website where it clearly states on January 19th 2000 regulation for a modification require it to be owner occupied. The FHA representative was quite alarmed to know that I was guided to a modification because all FHA lenders are aware of this guideline.

Today they call me stating there's still more documents needed. "WHAT NOW?!" I ask... “Your boyfriend's last 2 months of bank statements...” This is where I draw the line! Absolutely not! I told them they can have the house. This isn't worth it anymore! My stress levels are through the roof and I actually lose sleep over these people! I have provided them with proof of his income. They told me that it's "my own fault" for putting him down on the modification application. So I said “That gives you the right to invade his financial privacy?” “Well we need proof” they say... that's what his pay stubs were for!

As long as they can see he makes enough money to pay me what he says he pays me, and they have proof that he does in fact pay me, then what he does with the rest of his money is none of their business! Oh, they are also now asking for his date of hire in writing! 30 years in the United States Air Force with FOUR combat deployments under his belt! Is that enough for ya!?!? Dealing with this company and their employees is a nightmare!

Finally this past yr I was done and wanted to give up. They finally decided they could try to come up with a modification but it only ended up bring like a $50 difference. Tried to tell them that still wouldn't work for me and I couldn't understand how they could say losing an income from my home only made a $50 difference. Since then they gave put me thru foreclosure and when I call would get voice-mail of home preservationist person and he would tell me what hrs to call back, which is when I'm working. I would call and leave message that "I'm working, please just leave a message with what I can do or email me." Never got emails and would call during my time at work and would just say to call back during those hrs.

Finally was able to call the other day when I had a day off and now tells me the only thing I can do is take the modification for $899 a month, still said that is way too high for me to pay on one income. Said I could have done a mortgage release and they would have paid me up to $3000 to move but said I can't. Now it's too late for that and is too close to sale date now for short sale and can't sell on my own. But they never told me that before that they would help me move if that was the only alternative.

It's crazy how they treat their customers and do not want to work with you and all of sudden say other things ambit it's too late! I don't understand why Wells Fargo is allowed to get away with what they do? And everything is too late or can't do! Isn't there any attorneys out there that can help and fight against them so foreclosure doesn't happen? I think all they wanna do is foreclose and not help their borrowers at all. So I am in foreclosure with a sale date and not able to do anything!

However, here’s how I stayed longer. I had a realtor for the short sale (9 months) which suspends the foreclosure. Then I applied for a loan mod (another 2 months). When it was denied then the foreclosure proceeding take another 4 months or so. If there are tenants in the property (can be creative here, look up state laws) you can buy an extra 60 - 90 days once sold at auction because tenants cant be evicted for non-payment of rents when transfers happen. This was the only leverage I had when I realized the bank wasn't playing fair.

They asked for more financial info than I had to supply to get my first home. Then they stalled for a few weeks, to tell me they needed info from my divorce decree. Then weeks later it was another email, demanding a year of bank statements. Weeks later, it was proof of all rent payments for the past two years. I let them string me along, thinking the next would be the last. My hope for acquiring a homeowners loan kept slipping out of reach.

Finally, I had told them it was the last straw, when they insisted I get a new birth certificate with proof of my birth date because, supposedly, the credit bureau they used had an incorrect birth date. So eventually I received a rejection letter that claimed I didn't provide proper documentation. Months of searching for documents, scanning, emailing, resending, waiting for emails, mostly unreturned phone calls, all for a $15,000 remainder of a mortgage. So, I went to my bank. They wouldn't give me a mortgage loan for that amount, so I had to do a high-interest line-of-credit loan. I almost used a credit card just to snatch the loan out of Wells Fargo's greedy hands. Now I own the house, not them. And I will never, ever, let Wells Fargo do their corrupt business with anyone I know.

Wells Fargo consistently engages in string you along corporate conduct, promising to "research" various aspects which really amounts to no more than generating computer-issued "update" letters from robo-stamped signatories. Even their counsel here in Maryland is not immune from deplorable conduct. Their main attorney of record has been sanctioned for robo-signing and, in fact, was suspended by the Maryland AGC accordingly. All one can ask is to be treated fairly. If no loan modifications are available, even if WFHM wants to violate Federal law, so be it. But don't string people along.

To add insult to injury we received a BPO (broker price opinion) from them indicating what a vendor they hired from "out of the area" felt our home was worth. Again, a JOKE. My spouse is a seasoned, licensed, certified, real estate appraiser who completes work in our area everyday and the number was about $50,000 off the mark. Not sure what scam Wells has going on here but, someone needs to seriously review the practices of this company. Something is REALLY, REALLY, wrong here based on my experience and what I've been reading here about the experiences of other customers. They really scare me and I will be working to get my loan with another lender who does business in a more reasonable and ethical manner.

I went through the trial period, received the new agreement only to find my ex is required to sign. I called and was informed that they cannot take him off, due to only his interest was released and that in order to remove him from title I have to refinance, which is not an option due to credit/divorce and bankruptcy, which Is why I had to do a modification. They said, "well the only other way is for the terms of the loan to be changed." Isn't a modification a change in the terms of the loan? They said he signed a quit claim deed, I said no! we did a Bargain Sale Deed. They said "it's not good enough, you have to refinance and remove his name and if it's it done before the 29th of December we will cancel the modification in place and begin foreclosure and you will have no notice." Merry ** Christmas.

3 months went by with nothing happening in the modification process and no contact from our preservationist. Finally in September called and talked with the preservationist and was told they were missing documentation. We sent off the required missing documentation. In October we received a letter stating that the loan was being forwarded to Wells Fargo foreclosure attorneys to begin the foreclosure process. There was a contact number for the attorney. I called the attorney two times leaving messages to return my call. No response.

We then received a letter from Wells Fargo home modification stating our loan had been given to a new home preservationist. That preservationist contacted me by phone and started going over what I or my son still needed to send. I could tell the preservationist had not done any research prior to the phone call as when a document was brought up that needed to be sent, I replied that has already been sent. The preservationist stated she had not opened our file prior to calling so she was unaware of what was in the file and what was not. Why would you contact without first doing your research is beyond me. I then was fed up with the process and started calling Wells Fargo about getting a reinstatement amount so we could bring the loan up to date and continue making monthly payments.

We had gone ahead and rented the property since my son had moved out. It took 3 phone calls to finally talk with someone who could connect me with the reinstatement program for Wells Fargo. Wrong numbers, wrong fax numbers, or no information at all was given on the first 2 of those 3 phone calls. I was first told by all 3 representatives they could not discuss my loan or give out any information because the loan was in mediation in the county I live in (Peoria County). I finally reached a representative from the reinstatement program who said they would contact Wells Fargo attorney about a reinstatement amount and call me back. I did not hear from her for 2 weeks so I called her. She said she had just gotten off the phone with the attorney and would have a reinstatement amount in a few days and I would avoid going to the preliminary hearing set for Dec. 18th in Peoria County Courthouse to discuss the situation. A few days later I received a letter from the lady in the reinstatement program stating nothing could be done to reinstate the loan since it was in mediation in Peoria County. This after she said she had talked to Wells Fargo's attorney and stated to me they would give me a reinstatement amount.

I called the lady 2 days later and received a message that she no longer was with the reinstatement program of Wells Fargo and had be promoted to another department. I then called the reinstatement program number again and talked to another representative who told me that he would contact the attorneys for Wells Fargo and get back to me on Friday, Dec. 12th. I had told him I had just left a message with the attorney for the third time asking for someone to contact. I had talked to this representative on Monday, Dec. 8th. Today is December 17th and I have yet to receive a call from that representative nor from the attorney.

I am going to the preliminary hearing tomorrow and explain what has transpired over the last 6-7 months and state how disappointed I am with Wells Fargo and their attorney. I am going to have to spend more to get the reinstatement amount up to date due to Wells Fargo and their attorneys lack of progress in this matter. Very disappointed with their company and the way things are managed.

Apparently when it comes to transactions that could lower their profits, they conveniently delay, deny, lose, or have a plethora of excuses and levels of representatives making excuses as to why the messed up with their customers issues. They always say they record their calls. I found they respond to requests based on the specifics of those calls that they find relevant to them and minimally to the customer. If you tell them you are also recording the call, they will threaten not to talk to you and in some cases hang up on you. Apparently that don't want us to have a record of what they are saying. I found they have said anything to me to get me to do what they want because verbal has no accountability. I had (2) two of their representatives lie to me more than 6 times stating that Wells Fargo had suspended the foreclosure immediately before the trial for their motion for Summary Judgment. Of course this was not true and they wanted me not appear in court so they would automatically win.

I tried, in writing, for 2 years to sign a deed in Lieu of Foreclosure of our home back to them per Fannie Mae guidelines, and offered to pay them rent to which they refused. Wells Fargo wanted a foreclosure. They only recognized my request for Deed in Lieu of Foreclosure after I wrote a letter to the "Consumer Finance Protection Bureau" (suggest everyone should). You should document anything and everything (phone messages, everyone of the multitude of people you speak with, dates and times). I found they will do nothing for 6 months and then offer something and put a ridiculous short time frame with urgency stating you must sign now or lose it. Be cautious and don't sign anything they want you to sign without having it reviewed by YOUR own lawyer. Send all correspondence, at the very least, certified USPS and if really important Certified Return Receipt. You will find yourself talking to the lower level customer people if you just talk on the phone.

Send all correspondence in writing consistently to one specific member of their executive staff in San Francisco. You will then speak with a higher level of staff person. They use a number of different department names like: The Office of Executive Complaints, Mortgage Services, Customer Care and Recovery Group, Liquidation Department and more. You will find that the same representatives use different group names to which can add to the confusion. I have lost over three years of what is left of my life fighting Leukemia and Wells Fargo Bank. We have lost our life savings, retirement, and my children's inheritance trapped in our unaffordable and unsellable home because of the intentional destruction of the housing values from which Wells Fargo is reporting huge profits.

My only wish, is that other Good and Hardworking Americans, who followed the rules of credit all their lives and had those rules changed on us and who lost everything, will gain some usable information from my experience and will save their home from the likes of Wells Fargo Bank. Maybe our government will do what is right for our country to regulate and fine these banks to the level of which will hurt their profits enough to stop them from taking our homes and the American Dream.

I’m resending my message with my apologies for misspelling your name. Also, I forgot to provide you with my account numbers. When, I checked for my account numbers yesterday I realized I haven’t been receiving statements for two of my accounts, neither by mail or digitally. Again, the usual experience of being passed from one department to another. I still didn’t get those numbers as it was taking most of the afternoon. I thought it would be much quicker going into my old documents to find them, they are: ** & **. This is all so unsatisfactory, why does Wells Fargo have so many employees that can’t give you correct answers?

I'm writing to you, after being a good Wells Fargo Customer for 18 years or so. I have now finally reached my breaking point with Wells Fargo. For years I’ve had numerous minor errors that were resolved as and when I found them. Recently I deposited a $7,500 check in a Wells ATM as I was in a hurry for that deposit to post. I noticed the machine read $75 instead of $7,500. I immediately went inside the branch to notify them in person and inform them that I needed that money to post ASAP. Two of the clerk told me they could do nothing as the ATM machine was owned by a third party. They gave me two telephone numbers to call, both were incorrect. After wasting a significant amount of time, plus being late for an important meeting, going from one department to another, I was put through to a claims person who made me feel like a fraud. She apparently put through a claim. I didn’t hear anything back on the status of this claim. After three days, I called again. This time I was told the claim had been reported and that was it! Finally, six days later my balance of $7,425 was posted.

I was disgusted, especially when I absolutely need that money, the very impersonal treatment and what happened to my interest I lost during that time and damage it cause by not having that money when I needed it? It made me rethink of how I was treated in 2009-2010. My business was having problems due to the economy. I tried everything I could to get a loan modification for my mortgage I have with your bank. After numerous attempts of trying and being told that I wasn’t behind with my payments, made me not eligible. I learned later, that in itself, shouldn’t have been the reason to disqualify me. I was at my wits end when I finally learned of a convention Wells was having to assist people needing loan modification, Downtown LA. I spent one full day at this convention. There, I was informed, that I would need to send them a profusion of documents. It took me about a month & a lot of money to retrieve all the documents requested. I forwarded my copies into that person I last spoke with at the convention but she wasn’t reachable. After about 2 months I received a letter for a short sale. There was no reason why I wasn’t eligible for a loan modification, just the letter to sell back to you. I never replied, about another 2 months later I received the same letter for a short sale. Bearing in mind my house was worth more than I owed.

During this time I lost my business, had to move out of my home that cause me to suffer immense pressure, severe depression. I was much too weak to take any action for the malice I endured during this period from Wells Fargo at the time. This last episode I had with the ATM business, brought back the whole revolting experience of the treatment, I had in the past with your organization. For sure I will never have a loan with Wells Fargo again and it’s time I close all my accounts with you. I’m considering of looking very closely into the legalities of my case with all authorities concerned. I wonder how many other poor souls were treated in a similar way or worse by Wells Fargo?

DO NOT use WF for home loans or banking (yes they mess up on e-payments also sending 2 payments in one month then saying it wasn’t their fault). We are so stressed by this whole thing that we are snapping at each other and are angry all the time. Living in a travel trailer in an RV park that we have had to extend our stay in four times now. Thankful for understanding owner but WF couldn't care less. They tell us not to stress that everyone goes through this when buying a home. I might believe this if I hadn't bought a home four other times with a closing that never went past 35 days. We don't understand how anyone could keep their job with making so many mistakes but maybe that’s just business as normal for WF. Will be telling anyone who will listen NOT to have anything to do with Wells Fargo.

Quicken loans gets all this done in 45 days. Amazing ain't it?! Somehow, it takes Wells Fargo 6 months to do anything. Oh and they refused to refund my $500 even though they completely wasted my time. So I will now smear their name as much as possible to sway even just one person from using them. They sucked as Wachovia and now they suck even more as Wells Fargo.

WF then proceeds to tell me that I can pay an extra $400 a month for the next 5 months and be all caught up. I then ask the woman if she was serious? She replies with yes, in an extremely happy we could help voice! I chuckled and said, "Seriously how can you help?" She said, "Well that is what we can do for you." I then ask "how the ** that made any sense?" Her reply, "I don't understand?" "If I can't afford $1400 a month right now, how am I gonna afford $1800?" Her response!!! "MAYBE YOUR WIFE SHOULD QUIT HER JOB!" Oh how I would love to write every cuss word about WF right now. WF are horrible people and don't care about anyone!!! I will not even get into the 5-7 times they call a day to collect the now month behind payment. DO NOT GET A LOAN WITH WELLS FARGO!!!

Well they offered me a modification... $75 a month by extending my payments 8 yrs. I was down to 20 yrs. I asked if they were kidding, no they weren't. They said "I should be able to make the payments". Ok well if I could I wouldn't be asking for help. At this point I didn't want my credit any worse so I took the offer and they rolled the payments to the end of the loan so to speak. This was in 2014. Well coming into 2014 I had approx. $4,000 in unexpected expenses $1,800 new water heater installation, about that much in car repairs, some needed and some general maintenance, $200 brakes, $500 tires, $350 thermostat etc. And then different medical expenses $500 deductible needs to be of course before you get to start paying 20%. These were just different things that needed to be taken care of.

So I asked again for modification. I was already behind again because the $75 they me a month didn't amount to anything and I'm still not getting any help money wise from the ex. It takes them 4 months this time to deny my request AGAIN because I should be able to make the payments. AGAIN if I asked obviously I need help. So I'm 50, 2 kids, 1 in college and a 10 yr old who still needs child care I have to pay for. So what am I supposed to do? Stop my retirement contributions so I will have nothing when I do decide to retire, make my child drop out of college and the other walk home and stay unattended. Drop my good insurance company for a crappy one to save money.

If you would just be nice enough to lower my interest rate and lower my payment I wouldn't have any problems making my payments. But no they can't do that. Oh I can't refi with them because you have to have at least 650 credit score. And be approved AGAIN ON A LOAN YOU ALREADY HAVE. Reading the other post here it sound like everyone else has about the same problems with them. Oh about a week after I get the denial letter I get a foreclosure notice... so now I have to deal with that. I WILL NOT LOSE MY HOME.

So I called this morning to get their $30 return check fee removed because it was their error. The answer I got was "sorry sir but I can't take that off and neither can my supervisor. You have to send that request in by mail. Then it will either get approved or denied." So what I gathered from this is they can do what they want and us the consumers can't do anything about it. That's all I asked them to do is take the $30 fee from their blunder. I didn't ask for the $105 NSF fees from my account from them trying to take out the Nov. payment which isn't due until Nov.

To sum it up, I bought my house the beginning of last May. At the end of may I was bit by a spider causing injury to my arm, limiting my ability to work for 6 months and causing medical bills (and I made 22k in 2013). Then last November, my place of business in SF suddenly closed (I rented a salon chair), and I was forced to move to another neighborhood at a higher rent, but lost a lot of customers. Then six months later last April that salon closed, so I started to rebuild my business here in Oakland to save expenses.

I am four months behind on mortgage, and am confused why I am being denied a preservation program by Wells Fargo. In my appeal, I supplied tons of proof that I'm making more than I was even the month before when they denied me, and the numbers they originally gave me in the denial don't make sense, and the denial of the appeal simply says I don't make the qualifications with no explanation.

This whole time they seem to be doing strange things with my mortgage payments. Every time I have paid I have paid either online or with a representative, by 3:30 pm, and they are supposed to post the payment on the same day. They never do. I always end up calling two days later and they give me the runaround and checking and mortgage act like they are two separate banks and can't communicate and transfer me back and forth. Last time I made the payment a couple weeks ago, the representative told me I must have made the payment after 5, and I didn't, I made it with my preservation specialist at 3 pm by phone. The checking account always says pending for two days, meanwhile other autopays go through, and this is what has contributed to me being 4 months behind to begin with because they then reverse my mortgage payment once bills go through that weren't even requested until 24 to 50 hours after my mortgage payment should have gone from pending to paid, and then I owe fees and they won't take a partial payment.

And I won't even get into how shady they are with my checking deposits since that’s not in the mortgage department.

I have been working hard to rebuild my business, and it's improving every month, so much so the owner and other stylists at my current shop are amazed and asking for advice, and I don't understand why Wells Fargo is giving me the runaround, as I'm getting back on my feet and currently make more than enough to pay mortgage and just made another payment and am about to make another and another in the time people make at most 1 to 2 payments, so it makes no sense to act as if I'm not making enough for any of the programs I'm supposed to qualify for with medical history, business loss, and now business growth.

I recently called them to try & move the due date from the 1st to the 7th and PAY them the monies involved to do this. The reason being that our retirement comes in the 3rd Weds. of every month and by adding the extra seven days I would be avoiding any late charge fees. I almost pleaded with them to do this for me & was told because I had A modified loan, their policy did not permit them to change the date. I was very upset & said you people are now going to make me refinance and use ANOTHER bank! For not being willing to help me, it did NOT seem to bother them.

Every time I start the process I have to start from square one, nothing is on file (supposedly). It's ridiculous. I work in the film business and work on several projects at the same time. I submitted letters from the payroll company, from my union and a personal explanation which seemed to satisfy the particular "point of contact" at the time. Why isn't that all kept in a file? The amount of time I have spent faxing up to 30 pages of documentation at a time over the last 9 years adds up to quite a bit of wasted time (at $40-50/hour-my pay rate).

I may have a buyer for the house and Wells Fargo now wants over $125,000 to come even. The house cost $94,500.00, I put $20,000 down and had quite a bit of equity (gone now of course). I want to know if it is possible to make a cash offer to them---say what I owe on the mortgage? Is there any way to force them to take my money? (it sounds so insane) I really need to make a profit on the house. I am about to retire and know I won't be able to stay there. I have put off costly repairs waiting for the other foreclosure shoe to drop. ("Active foreclosure. No sale date") I hope this makes sense (my writing, not Wells Fargo!). If anyone has any advice, please let me know. I am in New York state and our Attorney General has filed a lawsuit against Wells for exactly this reason. Thank You.

We decided to go thru with the refinancing application they requested, because we were certain it would not be approved... My husband was 65 and unemployed and I'm not that far behind him. I still remember the person who determined the value of our house coming out. He didn't even go into the house and APPROVED us for the loan. Biggest mistake of our lives. We made the first payment, and when we went to make the second payment, the place was closed and we received a letter to mail our payment to WF in Las Vegas. When I called the number in LV, they could not locate our loan, and transferred me to a WF in Washington State or somewhere. This is rather funny, since WF is actually here in Des Moines.

To make a long story short, I wish I had never entered into any type of financial agreement with Wells Fargo. I read the comments made by others, and it's just our story. Soon after refinancing, my husband and I were both diagnosed with Cancer, and struggled. I filled in all the necessary paperwork for help with payments and received something like $60 off per month. I was assigned a representative so "I would have one person to work with". I had three different reps. in one 3 month period! I qualified for HARP, but was cancelled because I missed first payment due to communication issues with Rep.

When I visited with WF, I was told that rep was no longer with them. What the heck! Fast forward: Winter is coming; I can't keep paying this high interest much longer. After I apply for a loan reduction interest rate, and WF denies it, I will either go with another company that gets 5 stars on reviews, or give the place to WF... bad sewer and all. It irritates me that all these low interest rates are available, yet people who are struggling cannot get the lower rates... There is always something that causes us not to qualify. I have to say, last year all WF mortgages were transferred to another WF department, and the people there seem to have it together and know what they are talking about. With God all things are possible|.

I was already at 6%; I had about 18 years left; their "offer" reduced my payment about $260/month and increased their profit by over $300,000. I regret I didn't pull out and hand the house back to them years ago. Following my divorce (when I was awarded the house), I've worked as many as three part-time jobs in additional to my full-time job, depleted my savings and any retirement fund I could access, and piled debt on credit cards, while pleading with Wells Fargo to help me refinance a house I couldn't sell.

All I did was protect WF's interests by paying insurance and taxes and making repairs, until the market recovered. Now, they will take the house. Sadly, they could have achieved that same payment reduction by reducing my interest rate to 3% -- and done so years ago before I started depleting assets and piling on debt. THAT would have truly offered me HOPE of remaining in my home. I declined their offer. Enough is enough.

We attended a mortgage workshop locally sponsored by several mortgage companies and banks. The CSR we spoke, we explained that all we really wanted to do was add the two payments that we were behind, to the back end of the loan, changing nothing else. We had been told so many times that WF has done that many times in the past. The CSR we spoke with pulled up our file and told us that our mortgage was through Freddie Mac and he was going to submit our request to them. Two weeks later, I had a loan modification approval letter, whereby we were to make three monthly payments and upon completion, our loan "will be permanently modified. "I immediately called and accepted the offer. The CSR I spoke with said that the payment they had just received would be the first of three required payments. I had been filling out a contact sheet for every phone call I made, listing date, phone number, time and name of the CSR and what was discussed and resolved. Plus I kept copies of my phone bill, showing the same information.

The three required payments were made, I was calling every two weeks or so, to ensure that WF had received payments and that they were being posted to our account. Everytime I called, I was getting a different person. Fourth month, no paperwork received, I called, different CSR again. Was told loan file was in front of loan approval committee. Told the CSR that my loan was already approved by Freddie Mac, was told that this was standard procedure. Fortunately, had made copies of the payment slips, used one to make 4th payment. Same routine for 5th month.

After 5th payment, received phone call from WF, requesting a cash payment of $6400. When asked where this was coming from, was told that it was a request from Freddie Mac, that WF had a letter stating the request. Asked for a copy of that letter, never received. Told WF that I needed a letter, listing the address, account number, and amount and a time period to make this payment. Never received. Meantime, I'm calling Freddie Mac, questioning the $6400 payment. FM told me that they do not police what their servers do, that they can do almost anything. After the 5th month, just before Christmas, 2012, we received a letter from wf, stating the our LM request had been pulled from consideration at OUR REQUEST!!!! BS!!!! After almost 5 years and suffering the indignation of WF poking through of finances and questioning every expense and after finally having a LM approval, we would ask that it be pulled.

WF sent us a letter stating that our house would be put up for foreclosure sale, after a court date that we were not notified about. I have written to the local law firm that was representing WF, that their client was misleading them in that we had a LM approval and that we had fulfilled all the requirement required of us. If we had known the date of the court action, we would have been there with our LM approval letter, that our mortgage was owned by Freddie Mac and not by WF and has such WF cannot foreclose on it without Freddie Mac's approval.

I contacted our Congressional Senator who is very active in the VA, who started a congressional investigation. Almost immediately, I had WF calling me, asking me what they can do for me. I was speaking with the executive assistant to the President of WF. She told me that WF does not modify loans by just adding the missing payments to the back of the loan. The foreclosure sale was cancelled by the sheriff dept. and we got an attorney. We have a new loan, payment went up by $75 a month, interest rate went up by two percent and our loan went from 30 years to 40 years.

I have been doing a lot of research on the internet and I learned a lot from our attorney. For every payment that WF receives, they get to keep 2%. But once your loan is 30 days in default, they get to keep 18%. THEY WANT YOUR LOAN IN DEFAULT, THEY EARN MORE $$$$$$$. Plus they can steal your payment by saying it's for attorney fees and as such they do not have to credit your account that payment. Recent court action has WF claiming that the LM approval letter is not a binding agreement, in that it was a form letter and did not have a signature. Court rejected that argument, stating that the home owner is lead to believe that the offer is a valid offer and as such it is binding. By WF reneging on the offer, it is called breach of contract. Action is coming soon, against WF for grand theft (they kept the five trial period payments) and breach of contract, against Freddie Mac in that they do not exercise control over their servers and as such are also responsible for their conduct and against the local WF law firm in that they were made aware of the loan approval letter and did not further investigate the situation, thereby stopping the foreclosure sale court date.

After contacting several CSR's at Wells Fargo and told I had a zero balance, I was told that they would not write a letter stating I have a zero balance and therefore my loan approval was denied. I don't understand why WF is still allowed to do business in this country. I feel after reading all these complaints that we have no where to turn and that no one is going to help us. The Independent Foreclosure Review did send some money but I am sure that the whole reason they did it was to get most of the money from the settlement for themselves, because I have not seen anything in the settlement agreement being followed by the banks. Sometimes I am reduced to tears because of our situation but I think the fact that WF does this to consumers is what helps them sleep at night.

So we explain our situation as follows. Closing on current (now old) house Aug. 5. My husband was actively looking to leave the area in order to receive a promotion. The plan was for me to take our two disabled children (no we do not receive any government/extra support for them, we take care of our own) and move to Texas to establish a permanent family home in a nicer climate. My husband's new job will have him traveling at least half the time and we chose this route rather than live in some high-priced location under the constant change of him coming and going (which isn't good for the children). He would rent a room, which he secured something acceptable for $550/month. We would look for a mortgage of originally $80,000, but our MG told us we'd "get a better rate" if only we went above $100,000.

All this would keep our combined rent and mortgage well below what we had been paying for the past 7 years. We have a son, newly off to college, and though there are scholarships, there's still travel and other expenses. Then, with the new job, there was a $15,000 raise/year. We have paid cash for our cars, and do not carry credit card balances. Our credit scores are over 800. By all accounts, we have been responsible and as careful as we can. The new house will have 20% down, and I'm paying cash to have all the yucky carpet replaced with tile. The new 15 year old, 1600 sq ft house was appraised $10 grand over the sale price. I will have a $102,000 mortgage....if we ever close! The home we are purchasing was clear of any mortgage or lean. Our accepted offer was on August 28 off a WF pre-approval. Closing was set for Sept. 22.

On Sept. 10 our MG said closing would have to be put off until at least October 6. We said we needed it sooner. I asked for Sept 29 so I could have the tile installed and set in order to be ready for our 110 year old piano to be delivered on time mid-Oct., without causing more issues with the transportation company and costing more money. MG threw a fit, and thereafter we have been unable to confirm a closing date. At one point our WF liaison with the underwriters told us we were good for Sept 26. So we amended the sales agreement. Two days later my insurance agent informed me the bank told her it was Sept 29. We have asked for confirmation, and received nothing. No answer. Neither MG nor the liaison will tell us! So, I am living with my kids at my parent's home. My husband has been renting an apartment until his change of duty station is complete (Oct 6). We have had to give, of course, explanation of where the children and I have been staying, why we have our WF mail sent here.

My husband has had to give multiple emails, leases, and signed statements for his living arrangements, not only the current ones, but the room (not apartment, room) he will be renting starting next month. He has forwarded all the correspondence from discussing the leases and new job, including the actual job offer. Then, Wells Fargo declined our loan? Why? Because, since my husband will be traveling and only renting a room, his room will be the first residence. I do not count because I stay home and homeschool our children. I also volunteer for several non-profits and foster dogs, but that's beside the point. I don't make money. So, they rewrote the loan, removing my name, yep, and made our home the "vacation home". Don't be insulted, MG says. Back and forth, back and forth. They want written salary verification on the new position. Personnel Action won't be cut until my husband actually starts.

The HR department verbally and on letterhead testifies my husband has the position. WF didn't accept it. So my husband had to ask his new boss, whom he's never met, if she would take a phone call from the bank and verify she approved his hiring. She also sent his information to another department and asked them to send a written confirmation of his employment. We are still waiting to see if that was enough. How great it was for my husband to go to his new boss and tell her his personal business, and ask if his bank can call her because her HR department wasn't enough! WF wants a signed lease for the rental room; except, my husband isn't there yet. He has forwarded the emails outlining the arrangement, given the new landlord's contact number. Nope, not enough.

They think it's strange my husband is going to rent a room he hasn't seen. He doesn't care. The price is right, it's near the train. He's going to be gone most of the time. So, my husband had to contact his new landlord and ask for a signed lease now before the guy has even gotten the deposit. He totally thought my husband was pulling something, and we are worried he's going to back out now. Speaking of backing out...how about those sellers of mine? What are they going to do with us if I have to ask to change closing again?!?!!!! My realtor called yesterday to tell me the title company called him because the bank has yet to confirm if the appraisal meets their standards. The appraisal was done September 8; I got my copies a week-and-a-half ago.

There are so many things, like our MG sent us paperwork, but to the old house, the one we sold. The paperwork is signed in ink by him, dated Sept 10, postmarked Sept 12. Fifteen (15) pages folded and stuffed into a regular window envelope! It had been severely torn, opened, and secured with a rubber band when I received it this past Monday Sept 22. Our personal information!!! The paperwork stated it needed to be signed and returned to the underwriters at least 5 days before closing which would have been Monday, September 22. When asked, MG emails: "The bank has everything they need. Those papers are FYI only." But then they hit us yesterday afternoon with they need more employment information. Today was the lease on the room.

Every step has been painful. From the first POA the bank made us do, which was childish compared to the one that the title company asked for us to replace the first. Oh, and the bank reportedly told the title company that though I was supposed to sign for my husband (hence the POA), I wouldn't be at closing and there would need to be a POA for me too. HUH? We've emailed two copies of the old house closing paperwork, along with deposited the check into our WF account. Our two past WF mortgage accounts say online "PAID IN FULL". But they still ask us to explain what we are doing with the property they readily refer to as the house we sold. They want to know "exactly" how much my husband will be traveling, which no one can say. Somewhere between two and three weeks a month. "But how much exactly is that?"

To those of you who think just because you have great credit, secure job, good people, low or no other debt, want to live well within your means, with secure intentions to improve the property after putting 20% down, that you'll be the client Wells Fargo wants... well, think again. We've never defaulted, I've actually paid all my loans off in advance (bad news for lenders, cheats them out of interest). We save and plan for our big purchases, and stay as close to possible to our budget. Credit cards are paid OFF every month. Things are very carefully and accurately accounted for each month (I used to be a bookkeeper). Wells Fargo has made us feel like we are the worst of human kind. And now I see there are sooooooo many reviews out here of folks in the same spot. We should start a support group!

Original Review: Sept. 9, 2014

Have a veteran’s home loan that started in April, 2012. Property taxes in East Orange, NJ high. Mortgage increased because escrow account was always short. Couldn't make May & June payment for 2014. Contacted VA & WF in April. VA had no solution for me. WF gave a forbearance that began on 7/1 was to end 1/15. Made 2 payments. Made payment on 9/2, payment was returned on 9/5 & I was told there is no longer a forbearance, no prior notice from WF. So now I'm behind 3 months!!!

We thought that we were getting close to closing on this last short sale and my lawyer submitted all of the documentation to Wells Fargo regarding the past due HOA dues to submit to HUD so that we can close. Wells Fargo intentionally did not submit the information to HUD and they closed the file. We have lots of evidence to point the finger at Wells Fargo. They were most likely stalling to get junk fees and intentionally mishandling our file knowing that they will make more $ out of the foreclosure on our place. I know several other people that have had FHA loans and this exact same thing has happened to them. Wells Fargo is intentionally causing HUD to lose money and harming the consumer greatly.

Weeks later and many angry phone calls and still no answer. 4 times they sent over closing documents to the title company that were not correct. They calculated a 30 year loan with the payment of a 15 year loan! They promised credits that were not given (for the lack of communication that I complained about). They waited until 4pm the day before closing to tell me that the amount I needed to bring to closing was $27k more than what I was originally told. They forgot to have me sign something and this document canceled closing for the 3rd time. At this, I backed out. It cost me my earnest money plus the money I had spent on the appraisal, survey and inspection. It is terrible for the sellers who now do not have a buyer and have already moved out. It is terrible for the realtor who worked very hard and now does not have a sale. Wells Fargo is completely inept and I cannot understand how this information is not more widely known.

For those under the threat of foreclosure...do a title/deed search of your property. See who the home is deeded to. In my state, a bank has 90 days (from the loan closure date) to file papers to claim the house. If the bank misses this 90-day window, they cannot backdate these documents. The bank may not have this instrument so they use stall/delay tactics, so you are terrorized into leaving your home. Start with the deed, do a search...find support and stress management techniques. Be prepared for BS paper work from local attys but STAY IN YOUR HOMES!!!!!

WF overestimated (doubled!) our taxes. Of course, we submitted a letter from our tax assessor stating that taxes hadn't changed, but in true WF fashion, it took them 5 months to correct this issue. Until the issue was corrected, we were charged late fees for "partial" payments, that were actually correct full payments. It was at this time that we began to receive letters stating that because my fiance is a veteran and he had a VA loan, he had a myriad of payment options. This just happened to coincide with us needing to move, rent a house and continue paying the mortgage (paying for two homes!). So, my fiance called WF and they explained all of the details of a one-time payment waiver/deferral, which would increase his subsequent 6 payments by $500 (he finished paying this plan 2 months early.)

Well, wouldn't you know it, WF NEVER waived a single payment for him. They simply applied each payment made to the previous month. So, when it came time to make what he thought was the January payment on January 9th (within his 15-day grace period), WF decided to mark his PERFECT credit with a 30-day late delinquency.

I've written a registered letter to the "Office of Executive Disputes." I've written a registered letter and email to Mike Heid, President of WF Home Mortgage, I've written a registered letter and email to John Stumpf, CEO and President of WF and I've played phone tag and fought with 2 different young ladies in their "Executive" Customer Service division. They've all done the exact same thing - NOTHING.

Wells Fargo clearly mislead my fiance with their mailings preying on young veterans in need of actual payment assistance. Wells Fargo further intentionally left out critical details of their "payment arrangements" saying that they were waiving a payment, which apparently was never part of the arrangement. Thoughtless, careless and reckless - SHAME on you, Wells Fargo. A soon-to-be married couple with an income in the mid-six figures, both with credit scores in the high 600's, one being a veteran, still active in the reserves and continuing his service as a law enforcement officer who cannot get approved for a mortgage at the highest rate because of YOUR dishonesty.

I went with Wells as I have a brokerage acct with their financial end. Thought that since I was dealing with part of the family, it would be easy. Was told, when I was too far in, that there is no such thing as loyalty at Wells. That I have the brokerage acct means nada to the mortgage folks. I could have had the money buried under an oak tree for all they cared and they told me so. Wells looks on brand loyalty as so long as they get money from you, they like you. If you ask for a loan, never heard of you. Advice: try a credit union. Quick, uncomplicated, competent staff and they do have a sense of loyalty.

The first problem was when they kept denying my paperwork because my co-borrower didn't sign. Never mind the fact that my co-borrower is my dad, who passed away in 2010. Never mind the fact that I sent everything to them at the time of his death, or that my bills come addressed to my name, followed by his name (deceased). So obviously, one division KNOWS that he is deceased. But that doesn't matter! They still wanted me to send in 3 different forms showing that he was, indeed, dead. Even after I explained that ALL of my stuff was at a cleaning company!

After finally getting what they wanted, my paperwork was STILL denied. So, whenever I would call, the latest lucky person I spoke to would issue a request to some other (yet undefined) department, explaining the circumstances & asking that the paperwork be accepted. And they would still deny those requests. I have never been so mad in my life. Because who doesn't love rehashing the fact that their beloved father is dead to strangers on a daily basis? Never mind the fact that our lives are totally uprooted, either. And then to call & hear over & over that the requests were denied..... infuriating! What kind of idiots expect a dead man to sign their paperwork? I even offered to take them on a field trip to his grave. Maybe if they went there & asked nicely, he'd climb out & sign their ** paperwork! Upon the realization that I was dealing with nothing but idiots, I decided to email the president of Wells Fargo.

After a week or two, I received a call from a member of the Customer Care and Recovery Group. She asked me to explain everything & told me she was going to investigate; which would take about a week. After a week, she called & said it was taking longer than expected. The process with her took about 3 weeks total. She informed me that the company had been concerned about us doing the work ourselves, considering how much electrical work had to be done. Why was she the first one to bring this up? Why did nobody from the Property Loss Division just ask me? I told her that we had a licensed electrician ready to go. So then, of course, they expected him to fill out paperwork for me to send in. So I had him do this & I sent the paperwork in. The representative from the Customer Care & Recovery Group felt that things were resolved & she closed her case. But she told me I could contact her if I had any more problems.

On 07/18, I went on the website to upload the final document from my electrician. On that day, I saw a message: "1st check processed and mailed within 4 days." I had never seen that before, so I actually felt optimistic. Silly me! Now here I sit, 14 days later.... and the same message is still on the website. I called the CC&RG lady back yesterday & left a message about what was (or should I say WASN'T) happening. I called the Property Loss Division about 30 minutes ago, informed them of the message, and asked why I hadn't received anything yet. The lady I spoke to today submitted a request for the first draw to be released. And she said that should take 2-3 business days. Yeah right.

After jumping thru all their hoops, in the 6th month we found out that the negotiator at Wells Fargo had my documents going to another email account that she didn't check regularly. So, all the bullying was because an incompetent negotiator couldn't figure out how to link the 2nd email account to her main account so she would be alerted when documents were sent. I had to send the same documents multiple times. Then was told that the Wells Fargo account couldn't understand the Unemployment Deposit Statements nor could he figure out where the UI benefits were deposited into my Bank Account even though the deposit clearly showed "Deposit from the GA Dept of Labor" for the amount that I was receiving after taxes per my Disbursement Letter from the GA Dept of Labor.

Now, we are in the 7th month with a new negotiator at Wells Fargo. Now, I'm being told that Wells Fargo isn't standing up to the original guidelines that were setup in the 1st 6 months & they are requesting an unemployed, savings almost depleted person to come up with $3000 to go towards the 2nd lien. In the first 6 months contract, the agreement was that I would pay $140.96 & the $3000 incentive would be negated. So, now we have to go to the 2nd Lien & ask for extra help & they are requesting the Banks payment guidelines to see why Wells Fargo is being such a **.

I was under so much bullying stress in the first 6 months that I'm over mortgages in general & will NEVER do business with Wells Fargo again. So, the next step is Foreclosure. I tried to play their game, but I am being totally screwed. I was always on time with my mortgage & this is the stress that I get. There should be something stated that banks cannot bully & threaten. I've already got the stress of finding a new job to survive that fighting with Wells Fargo is not an additional stress that I need. Stay clear of Wells Fargo Mortgages... They suck when it comes to Short Sales if you ever end up with a Hardship that is outside of your control!!!

I'm not sorry now that I have worked hard and paid my bills on time all of my life. It seems like Wells Fargo only wants to help people who make all of the wrong choices with their finances. I do know one thing, I will never work with Wells Fargo again, I will tell everyone I know to not to do business with them & I will post as many comments as possible about how they are a terrible company with no human compassion.