Wells Fargo Mortgage Reviews

I have worked for 43 years in the same company. A few years ago, my wife lost her job because of her back injury from the breaking of a chair. Her doctors told her to stay at home and not to work any jobs. She signed the paper to get her Social Security Disability but that’s not much to cover for our bills. I have my alimony (ex-wife) for 14 years $750.00/mo and still continue to pay. Last year, I talked to my boss about my financial problems, so they gave me one hour extra per day. It helped me out with our budget for a few months. Then we got a new president and vice president. They changed everything, laid-off 28 employees, and cut my hours working. My job is 12.5 miles one way with expense for gas and cost of living.

We borrowed money from our friends and family in order to keep the bills down. We know that they have programs to help people’s problems, but why not us. One more thing, a few months ago, we paid $1,800.00 to Smart Financial Solution for the loan modification. After a few months, we got nothing to help us. As we tried to get in contact with them, they disconnected. We are hearing-impaired, and we feel that they are discriminating against us. So please help us and let us know what to do. Thanks.

To date, I have yet to ever receive any paperwork regarding the flood insurance or any of the other stuff they added to my house payments. I eventually bought flood insurance for 1 year but I refused to continue. Next thing I know, this guy says our home is on a foreclosure listing in 2006. I had enough. $1,000 later for my legal fees, WFHM took off the flood insurance, the property tax and homeowner’s insurance escrow account and PMI insurance they tacked onto my house. They said I owed them about $10,000 for stuff I pay myself plus they added PMI to my loan. I didn't have to make a house payment for three months after my lawyer got through with them.

Fast forward to 2013. Still 8 years later, they will not send me monthly statements so I can send my check in their envelope. My husband refuses to let me get another lawyer involved. Now, I am starting to pay extra to bet the house paid off and they are not crediting my account for the extra principal. He called them three weeks ago and CS said they already mailed us a 12-month accounting for all of 1012 and 1013 so far. They are such liars and nothing ever came and neither did my house payment paperwork.

I have written over 65 complaint letters to WFHM and various other agencies complaining about this stuff. WFHM never ever responded to one of my complaints, let alone actually do anything I asked. Since I have only received six statements in the past nine years, I have no idea what they have done with my account. Never ever get a loan from this company. They are now doing forced placements on home for more than the value of the loan. They are truly Hells Fargo, Bank of Satan.

We talked about it and knew we could do it. The problem was we had given our landlord a 30-day notice from the prior loan and knew we would still be in the apartment beyond the 30 days, so we got another 30 days. Once we had the green light from Wells Fargo, we were given possession of the house to try to get it to move-in condition to save time (which I now know is a no-no). We put roughly $10,000 into the home to get it livable (refinished 1,200 sq ft of hardwood floors, painted the entire inside, finished a room for a bedroom for my son, hung light fixtures etc, as well as a lot of clean up). After all of this, we got to closing and the payment jumped up to $1,219. How could this happen?

We were told it is what it is by the guy at the title company, “You sign, you get the house. You don’t sign, you don’t get the house.” Our other good faith estimate and truth and lending disclosure were taken at the title company and the new papers were signed. We got the home, but for around 25% more per month than we had originally agreed upon. This loan was also only in my fiancé’s name since I had recently filed bankruptcy. They used me as a source of income and her credit (at the time she had $40,000 in debt and was making $19k per year). We feel like we were tricked into this loan; and although she signed the papers, we feel as if we had no choice since we had put all of the work into the house out of our own pockets.

After about 2 years, we started to fall behind and at tax time, we would get it caught up. Eventually, my fiancé had to file bankruptcy and her credit card debt, but not on the house. We asked for a refinance before the bankruptcy, but we hadn’t been in the house long enough. We kept struggling to make the payment and maintain a house that was also drastically over appraised (worth $140k when we bought it before it was fixed up, now it’s worth $110k fixed up). We saw a piece on the news about a program called ESOP that could get our rate reduced so we started the loan modification process through them. After a year, we were given a loan modification, and our payment went up again to $1,300 this time.

How will this help us? What little equity we had was wiped out by attorney fees and late fees. We left court pissed and feel like the whole process was a joke. If we couldn’t afford it at $1,200, how could we afford $1,300? We still haven’t paid it and also have sent them a packet of papers (bank statements, tax returns, utility bills and all home expenses) roughly 8 times through this process. Something always gets lost, too much time lapses, and we have to send it again. We received a letter that our home is going to the Sheriff’s auction in a few months and we’re devastated. Wells Fargo wants $30,000 to make our loan current or $136,000 to pay it off, which we don’t have either.

These guys are snakes, and the guy who did our loan didn’t work for them three days after our loan was closed. He either developed a conscience or went off to screw some more people for another financial institution. I also contacted an attorney who basically told me that we signed and that everything we did was our fault. Is there any hope to save our home or should we cut our losses and move? Also, I looked up predatory lending, and we feel like several of the things on the list were done to us. What should we do?

In April 2013, we received foreclosure papers. I called WF to ask about it. Leah at WF said it was because a full payment wasn't made in February. I explained to her what was told to me in February and she said there was nothing we could do except to see if we get approved for another loan mod. I asked to speak with her manager. Her manager repeated the same thing. So now, we have a new loan mod specialist. During this time, we received a letter from the WF attorney stating that we were in foreclosure due to non-payment in January. I called WF and asked about this discrepancy. Our new loan mod specialist stated that she didn't know why we were told we skip the January payment because it was due and that was the reason for foreclosure. Now, we have sent in the new paperwork with everything signed, dated and filled out to their specifications and FedEx'ed back to them. I cannot get the loan mod specialist to return my calls and we have received more paperwork to fill out which is the exact same paperwork I have already sent in.

Every time I call, I get a different story about why we are being foreclosed on. I asked for copies of my payment history since the new loan mod specialist said the payments in December went towards different months and not towards January as previously stated by WF. I also requested for a copy of my file since she evaded my questions about why we were told we could skip January and copies of the phone conversations where I was given this information. I have to fax in a request but according to the new loan mod specialist, I may not get copies.

Several hours later, Wells Fargo rep said that mortgage was going to have to shrink - there is a $9k car loan. We now were not sure how much we needed to bring to close. At 6 pm after the stock markets had closed, Wells Fargo reps called to say they won't be able to process loan in time; we needed to find $800 in cash in hours or lose the deposit. We were able to get Fidelity to give us short term loan and ultimately close

We reached Wells Fargo the next day to find out how many more days we close on mortgage (we didn't want to lose the rate). Response was that I will have to now pay a higher rate (it was now a new product called cash-out finance). Two days later, Wells Fargo guy called to say they can only fund 60% of the mortgage. And here I stand. I have now found 5 people in less than 3 days who have Wells Fargo nightmares.

When I lost my job in 2012, I tried to modify again and of course nothing had changed; it was all the same frustration over again. After speaking with about 20 different home preservation specialists, someone finally offered a 6-month unemployment program. When month 5 on the program was approaching, I asked for an extension (because I had still not found employment). They told me that I needed to send additional paperwork and I have been doing so ever since. I am now behind on my mortgage because Wells Fargo is not helping me. They are making my financial situation worse as the days go by.

I have every piece of paperwork, every person that I spoke to and every bit of interaction documented in my files. Now when they ask me to send them something that I have already sent them, I just laugh and resend it. Unfortunately there doesn't seem like there is any relief for people in my situation. I will most likely lose my home but I won't stop fighting for it. I will keep sending them their paperwork even though they have almost a 2-year-old file of paperwork on me trying to modify my home loan. One more thing, I was recently told by one of the home preservation specialists that in their notes, it says that I refused to apply for an extension on the unemployment program.

This institution is terrible! I cannot believe what they do to people. The mortgage problem is getting worse in this country. Nothing has changed. My stress level is through the roof and so are my glucose levels. I may end up in the hospital of a nervous breakdown because of them.

It all started with a Home Modification Loan attempt in Feb 2010. They lied about the process. They did not do their job. They constantly lost paperwork with sensitive information. Their employees had no answers and spewed copious amounts of misinformation. They made sure that I never talked to the same person and I've probably talked to 75-100 employees. They used their front line people as shields to isolate customers from people who could actually solve a problem. They reported me as 120 late with credit bureaus. They severely affected my credit.

Now, after three years of hard work, I have my credit straightened out. I am trying to refinance with someone else - anyone else. And what do I get from WF? Lost paperwork. Incorrect information. No one doing their job - no one taking responsibility. No way to contact someone who could deal with the issues at hand.

I've been trying to get WF to remove information from my credit reports, which they admit is their error, for five months. I have a letter dated Dec 27, stating the information would be corrected with all four credit bureaus. They did 3 out of 4. But as of today, May 4th, Equifax still has info on report. I spoke with Equifax a month ago, for the third time, and was told WF has to remove the info electronically. Only they can do it. I have called and called and called WF. They can't even find a copy of THEIR letter dated 12/27/12. And of course, I am past deadlines and will have to pay duplicate fees for refinancing, because of their amoral incompetence.

As I said before... RUN and don't look back. It's the best decision you will make - maybe in your lifetime!

“Our records indicate we have previously spoken with you regarding the extension of the moratorium associated with Superstorm Sandy. We are aware this storm continues to present various challenges to our customers. Disaster moratorium extended through April 26, 2013 (emphasized in the letter). Wells Fargo Home Mortgage has updated your account to extend the moratorium, which expires on April 26, 2013. The moratorium means that we will not report to the credit bureau agencies or assess late charge fees on your loan during this period.

Payments: We do not want you to be concerned about a balloon payment at the end of this moratorium period, so we will be deferring your accrued loan payments by placing them at the end of your unpaid loan balance, unless this is not allowed by your investor. If you are still facing financial difficulties after the moratorium extension period, we may have mortgage assistance options available for you. If you need additional assistance related to this disaster, please contact us at the number in the account information box. We're happy to have you as our customer and look forward to helping you with your financial needs.”

When I received this letter, I was relieved because it was going to be very, very difficult to make two payments on the loan so as not to adversely affect my credit rating, which is very high. However, I wanted to be sure my investor allowed this. I called 1-888-219-2237 as instructed by the letter. The number is the routine customer service number. After having to agree to have the call monitored or recorded since this was an attempt to collect a debt, or so the recording said, I spoke to a customer service representative named Michael who said, when asked, that he was located in California. It was about 8:45 pm EDT. I asked for his identification, and he provided a 3-character alphanumeric code.

After he asked a series of questions, one of which was, "Do you intend to remain in the property?" I answered "yes" and then asked him to confirm the one loan payment due had been deferred as stated in the letter. He said that's not what the letter said. I disagreed and asked him who my investor was. He stated he did not have access to that information, and I would have to speak with collections. Before he could transfer me, he said he was obligated to ask my monthly income payments, and whether I intended to stay in the home, et cetera. I told him the letter did not say I had to provide that kind of detailed information. In fact the letter stated quite clearly, "So we [referring to Wells Fargo Home Mortgage] will be deferring your accrued loan payments by placing them at the end of your unpaid loan balance unless this is not allowed by your investor." I simply wanted confirmation that Wells Fargo did what they said they would do. If not, why not? He became evasive and defensive, so I ended the call in disbelief and disgust.

Because he was evading answering questions and was clearly misleading, I wanted to capture that on audio tape. So two nights later, I called back and spoke to the same person, Michael. This time he made several additional admissions which were certainly misleading, likely fraudulent and untrue according to a second customer service representative located in Iowa. This time, however, I tape recorded the call from start to finish. During the call, I informed him I was recording the call, and he clammed up and abruptly ended the call. On April 22, 2013, I filed an action in New York City Small Claims Court alleging fraud and violation of NY General Business Statute 349 - Deceptive and Unfair Trade Practices.

The Wells Fargo letter of April 8, 2013 was clearly intended to show politicians and regulators that Wells Fargo's CEO John G. Stumpf et. al. are helping Sandy victims, which is the farthest thing from the truth based on my experience. I can't help but remember in 2008/2009 where Wells Fargo reaped billions and benefited from $25 billion in TARP proceeds as did all the bulge banks. The taxpayers kept Stumpf, Diamon, Pandit, Lewis and so on in their jobs and funded their golden parachutes. It appears that whatever the goose is entitled to, it does not carry over to the gander.

In the meantime, I had some plumbing issues that needed to be addressed, so we went to a hotel for less than a week so we could bathe and cook. I returned home to find every single belonging of mine, furniture, clothing, photos, mementos, my children's toys and clothing, my late parents' belongings, cherished family heirloom crystal and silver sets, gone. The door locks had been changed, and the garage doors locked. I've been calling Wells Fargo on a weekly basis, being promised contact about a new key, being promised help in finding out what LPS did with my belongings, and being promised help with mortgage assistance.

I found out today online that my home has been sent up for auction by the courts three months ago. I've received no paperwork, no court summons, not even a phone call. I called Wells Fargo as usual, and the lady told me that I had called the wrong number. Thanks Wells Fargo for taking away the home that my husband carried me over the threshold into, the home that my children grew up in, and throwing every single tangible memory of my life and my children's lives into the garbage.

With the intention of much needed updating of siding, windows, doors, roofing issues with the CertainTeed shingles, my homeowner's insurance has now notified me that they are cancelling me because I had verbal agreement last fall on this loan. Steps had already been taken to re-roof at the earliest convenience. It would seem that our needs are of little interest to them. Never mind the urgency of maintaining our survival. How they maintain a credible rating with borrowers is beyond me. Do yourself a favor and take your business to local credit unions or local banks. They will be there and available when you need them.

I called again in April after making my payment because they still had me in bankruptcy. They told me that they had faxed my lawyer on April 15 and they needed something from him some consent form for him to fill out. My lawyer received nothing. I called on April 29, 2013 and was told they knew nothing about it and didn't even have his fax number which I gave them. I have been told so many different stories by so many different Wells Fargo reps and eight months after being discharged from bankruptcy, they still consider me in bankruptcy. I am frustrated and angry. I have been a Wells Fargo customer for over 20 years and I want to close my account.

We constantly have deductions from our paychecks for credit report fees, appraisal additions to his bill, flood certs, anything not collected at closing even though the closer is responsible and does all the fees at closing. Our customer surveys are mostly below company expected standards of all 5's so we don't get our pitiful $500 two times a year. This company is faking publicity reports with its proud and flamboyant turn times and approvals and everything it says. It too will fall one day. I would cancel my loan with Wells and go with any other lender, a lender that treats loan originators right in pay and expectations of the job. Wells is just a company licensed to run over its employees. Anything to make $1, that is what Wells is about.

It has been nearly 2 years and I just want to know so that my family and I can move on with our lives. I want more than anything to keep my home. Wells Fargo nearly makes it impossible, and they make it easy for some to give up when they give you no hope.

I live in a small town. No lawyer here knew what to do. I haven't got funds to go outside and get one. No one would help me. I faxed weekly for nine months a copy of fire reports and even a letter from American Modern Insurance company proving they cashed the check. Still no one helped me. Wells Fargo not only sold my land that they never had a deed for but put my name in the local newspaper monthly for nine months and had me on the court house steps three different times telling the special ref for Marion County all of this and they still sold my land!

In Nov. 2010, they mailed a letter to me saying the land was mine. But after public humiliation for nine months, that's not justice not to mention the harassing calls for four to five times a day for nine months. So since they decided to pay me for how I was treated, I said okay, let's see what happens. Well guess what, they thought $500 was okay. That was like a slap in my face when they did all that to me and what I've listed isn't even half of it. They were paid in full and still as of Jan. 2011 on my credit report have me 120+ co. No one would loan me a piece of chewing gum much less anything else.

Wells Fargo did me dirty and there is no telling how many others have been done the same. Also, the $500 check they mailed me is too funny. They're sending out 1099 in Jan. 2014 (says so on the back of check) that their taxing for money that we rightfully owe. I've contacted several lawyers but they all either say they can't help or they want to make enough money. Please give me some advice before it's too late. I have every phone record, newspaper article, several other documents to support my claims. Thanks in advance.

When we got home, I thought all was fine until I started looking in the garage and found half of our stuff gone, stolen! I called and told the landscaper that his help had robbed us and was told to get a hold of Wells Fargo as they sent him out. We did and they said after talking for hours to different ones in different departments about their mistake and would have someone higher up call us. Well, weeks later and hours calling in and getting the runaround numerous days and times, still no use and finally WF said to go after the landscaper as there was nothing they could do. My questions is they sent the order to send the crud out by the landscaper. I was robbed. They were seen going in and out of my garage (no business in there in the first place). Landscaper says he doesn't have control over what they did and go after Wells Fargo.

Wells Fargo only gives you pee on’s to talk to as they won't dare have a line you can talk to a person in power. So what am I to do? I did file a police report, but they said to get a hold of WF and said good luck. The lawyer said to get a hold of WF to have them look into it first, but again, fat chance! Finally, I got a hold of a Wells Fargo Mortgage company and the guy told us he couldn't do anything to get a hold of the boss as there’s so many stories like ours and worse! Who is the boss and how would you ever talk to someone who knows anything! We are just a number and what a laugh with Obama as pays lip service to help people out, but nothing happens. We weren't like half of America. Even though we are upside down on our mortgage, we were still fighting to pay payments and keep it! Not like some that finally gave up and let them have it back. But now, who was the wiser one in the long run? I guess we will be going into foreclosure soon as they don't like being questioned on their ways!

Over the course of the next two months, however, we were repeatedly called by our Home Preservation and told that some other paperwork was needed. This included an unemployment award letter, newer pay stubs, taxes from 2012, W2s for 2012, etc. During this time, we submitted all paperwork that we were asked to provide within 24 hours of the request. However, when we would call him to confirm receipt, we would get his voicemail, leave a message and never hear back from him unless he needed some other paperwork. My husband is a union carpenter and sometimes gets sent out of state to do work. We were asked to provide W-2s from those companies as well as latest pay stubs from said companies, which I had already sent. They insisted they needed additional pay stubs from these companies, but there were no additional pay stubs to provide.

The Wells Fargo HAMP rep didn't seem to understand that the only time my husband would get a pay stub from the out of town company was when he worked there and that he only worked there on an as-needed basis. Next thing you know, we start getting phone calls from a different person at Wells Fargo asking for most of the same paperwork we had already sent the other guy! When asked where the paperwork was that we sent guy #1, we were told that guy #2 knew nothing about it and the underwriters were asking for this paperwork. Since they were different departments, he knew nothing about the paperwork we sent? What happened to all of the paperwork we sent to guy #1? Why does guy #1 ask for it if he's not going to provide it to guy #2? Then we got a letter in the mail saying we were rejected for the program because we did not submit the paperwork required in a timely manner! Are you kidding me?

Now reading all of the comments left here, it appears that this is actually quite common with Wells Fargo. I hope to move my existing mortgage from Wells Fargo just as soon as I can. They really do nothing to try and help homeowners stay in their homes. I will never work with them again. So glad I don't have a bank account or credit account with them as well.

So finally in April 2013, we completed all the repairs and repainting that they requested. We notified them that the work has been completed and they can set up an inspection. Guess what? Wells Fargo informed us that they will not revisit to inspect the repairs. They just wanted a written letter from us that the work was completed. After talking to some legal experts, we were told that Wells Fargo does not have the right to ask us to do any repairs. As long as we pay the mortgage and our insurance is current, they cannot ask us to do anything to our property. So just want to let everyone know if Wells Fargo requests any repairs, you do not have to do it.

I believe this to be an illegal and immoral act. Ever since I had this mortgage, they call repeatedly every month after the due date until it is paid, even though it is before the late date. Even if I answer the call and tell them I will make a payment before it is late, they will call every day and ask me the same questions. I didn't know that him telling me what to bid was illegal until recently, when I told someone about it. This happened in the fall of 2008. I don't know if it is too late to say something now or not, but thought I would tell my story anyway.

So I was transferred and provided with a loan modification specialist, Jean-Marie **. She at first presented herself as more than willing to assist me. She told me what I had to send her, and I did. Then I began to receive correspondence in the mail requesting further information. Each time I called Jean-Marie and she actually answered the phone, she was very confrontational. During one conversation with her, she actually said, "I'm very busy. What do you want?" On another occasion, I started the conversation with, "Hi, Jean. How are you today?" Her response was "I prefer you address me as Jean Marie." Those were the only two times I was able to get in touch with her. She told me that no further documentation was needed and then told me "You don't need to call to check on anything anymore. We will call you if we need anything." Her tone was always condescending and confrontational.

Every other phone call attempt went directly into her voicemail, which was full most times and I was unable to leave a message. When I was able to leave a message, most times she simply never got back to me or it would be a week later. She is very unprofessional and difficult to work with. If she is assigned to your case, decline and request someone else. I began to receive return calls from a completely different modification specialist and was told my case had been transferred?! They are now requesting some of the same exact information I had already sent to Jean-Marie. What a nightmare!

Because the payments could not be automatically withdrawn (against bankruptcy protection), they ceased the withdrawals. I didn't get notification of this until almost 3 weeks later. I promptly called them. They explained why and what I needed to do to pay the mortgage. I had no intentions of letting the house go, so I continued to pay. I caught up the account and I sent payments to the address they told me to for over 3 months like clockwork. Every 2 weeks I sent a half payment in. In May, I received a letter from them addressed to my lawyer basically saying not to send in half payments as there was a chance they would get misapplied. Understatement there!

I sent in one more 1/2 payment as I had 1/2 of May already paid. I waited for June's statement to send in my next payment, doing as they requested. That statement said that I owed for May and June! I called them back. They said there was a half payment in for May, but I still owed for the other half. I fought with them and have been fighting with them ever since! Every two weeks I called to make a half payment over the phone (I didn't trust the mail address anymore) and every two weeks when I inquired about the missing payment (I had all the backup to prove I made the payment and that they received it) I got a different answer. Every two weeks! I was never told the same thing twice. Never!

I was told to send a request to find the missing payment and review my account with my backup to their written correspondence department. There was no way to contact this department except through a fax number. Seriously? There was no way to verify they received the documents, no way to follow-up. Nothing. As it happened, the first rep gave me the wrong fax number! God only knows who I sent my personal papers with account information, etc. to! Unbelievable! I continued to make bi-weekly payments incurring a $20 payment fee each time until late October. I finally got someone who saw what had happened.

As part of my bankruptcy, I had to request a payoff from Wells Fargo. They did not inform me when I did this back in May that there was a $10 fee for this. So they took the fee out of my payment, which then shorted the payment for the month. That's where the problem was. It took someone 5 months later to figure this out?! So I paid everything that was due, including the $10 and my mortgage was up-to-date as of October 29th including a 1/2 payment for November. I continued to call in my payments, but was getting tired and feeling very defeated by this whole matter that I started calling in every month. But everything was still kept up-to-date.

The bankruptcy continued to drag on and Wells Fargo couldn't give me a straight answer as to why, 6 months after the discharge, I still wasn't released in their system. Again, a different answer every time I asked. Mid-February I called to pay February's bill and I was told they do not have a document on file from my lawyer stating it's okay for them to speak with me. They refused to take the payment! For almost a year I am talking to them and making payments and now when the bankruptcy is finally coming to a close and the court date for abandonment is around the corner, they can't talk to me or take my payment?! So I called tonight to pay now February and March's payment. Miraculously, they can now talk to me.

The rep, when questioned, can't find any reason why they couldn't talk to me last month? Okay, I want to pay February and March. She then informed me that I owe for January! There is only a 1/2 payment for January, so I owe for 1/2 January, February and March! Are you kidding me?! Here we go again! I am beyond frustrated. I am beyond pissed with the complete incompetency of this company. I almost think they do this on purpose to throw me into default! I don't have the time nor the energy to keep fighting with these people. I am now a single parent as my fiance passed away.

What really frustrates me is they have made it so you cannot complain to anyone, except the low man on the totem pole handling these calls. And they only know what they are taught! I try really hard not to get upset with them as they are doing their job and it most likely, I will give them the benefit of the doubt, is not their fault. But jeez, what gives?! Something has to be done about this kind of shifty underhanded practice! As soon as I am able, I am refinancing with another company. I am over Wells Fargo!

In January 2013, they finally said they were ready to go to closing, but I had to resubmit all my paperwork. So I gathered once again all my paperwork. I had to also pay another $200 to get a subordination letter from my line of credit since the original one expired. Now my credit report was under 700 because of a false charge, which I had to dispute. One of the credit report agencies deleted it, the other one is still in dispute. I was told by my loan officer that that would be fine because my credit score went back up. Then they kept telling me one of my credit reports they couldn't see because I had a freeze on it, but that was not true.

I have called the credit report agency numerous times to confirm this and they keep telling me there isn't any freeze. Then they questioned everything on my bank statements. They wanted to know why i deposited x amount of cash on 11-30-12, to explain in a letter and send them proof. I explained in a letter to them that my sister owed me money and was paying me back. They asked for this information on the evening of March 5th. I didn't check my email until the morning of March 6th and they said I have until March 8th to get them the information they wanted or they cannot proceed. It is the afternoon of March 6th and I still have not heard back from them, if my explanations were enough or if they needed more information.

So as of March 6th, 2013, I am still waiting for an answer and $800 wasted. If they weren't going to give me the loan, they should have never taken any money from me. I could have gone somewhere else and this would have been done months ago. I advise you, run the other way.

Our property was designated as a Zone C when we bought it. House is high and dry at an elevation of about 50' (I was told by the county that flood level is 39'). The county sent me two maps of my property with the elevations and a red dot where my house is on the property. On the new updated FEMA map (which I guess is what started all this problem), the green coloring (indicating flood zone?) now comes up to my back door, even though none of the elevation levels changed. In fact, the little puddle of a pond that the green color spreads out from is on my neighbor's property with barely any water in it. Even during 2004 when we had four hurricanes try to drown us, the water level never came near the house. We are not in a flood zone.

I sent a letter explaining this to Wells Fargo, along with the maps provided by the county property appraiser's office. Now, a little over a month later, I received a letter from Wells Fargo telling me that since I did not send them proof of flood insurance, I am in breach of contract and they have purchased temporary insurance for me and the cost will be added on to my mortgage. The letter also stated that I needed a minimum of insurance to cover the loan (currently less than $75,000) and maximum amount of $250,000. I called the phone number on the letter about their purchase of my flood insurance and it is at $275,000 coverage through State Farm (How ironic, the company that was not rated good enough). Why would they purchase more than what they said I needed? No wonder they recommended in the letter to buy my own (but we are not in a flood zone).

When we talked to Wells Fargo, after the original notification, they suggested we get FEMA to fix their maps and/or suggested we pay for a new survey. Why should I have to, when the county has the information and the bank would not accept it? Besides, I don't think it would fix things anyway. It just postpones the inevitable, us finding another financial institution to deal with. Wells Fargo is obviously too big for their own good or ours.

I never heard from her again, and I called every other day, sometimes every day only to get her voice mail. Then I hit 0 to speak to another person. This woman proceeded to tell me that she doesn't see my paperwork, even after 2 days before I was told, "Yes, it was all in the system and in good order." She also told me that most likely I will not get a modification with just my salary. Now my home is in foreclosure. All of the money I have been sending apparently goes to a separate account while on the unemployment plan and does not get applied to my mortgage.

So in the beginning, I was 1 payment behind. Now they say I am 8 payments behind. Where is the money that I've been sending them? And why didn't they tell me 3 years ago that I most likely would not be approved for modification? I could have sold my house 3 years ago for a lot more money than I can today. Now, I am pretty much left with no options but to lose my house. For 3 years, Wells Fargo Home Mortgage has led me to believe I would have no issues being approved. Now it's a totally different story.

This is absolutely ridiculous and unfair. They should have been straight up from the beginning. Nothing has changed in the past 3 years, husband still no job, my pay remains the same. I don't understand how one day I am all set and in order and 2 days later, it's a completely different outcome. They say the best thing to do is keep in contact with them, which I do several times a week, 45 minutes on the line each time. Why? Apparently, to get a different BS story each time. I have had enough of WF. At this point, I don't have one good thing to say about them. Ugh!

In December 2012, I contacted Wells Fargo who presently owns my current mortgages. I was looking to refinance for better interest rates. The loan originator asked me some general information about my home and offered to lock in a rate of 3.6% for a 30-year mortgage. In addition, the originator noticed I had a second property and stated that it was also eligible for refinance at 3.675% rate for a 15-year mortgage. I asked if Wells Fargo would process both simultaneously and he stated yes. So I began the application process and provided all of the required information and documentation needed for the application including credit information, employment verification, 4605T IRS information and returns for the last two years, letters of explanation (LOX) for credit inquiries and income verification statements. This occurred for about a month.

I was informed that I would have to have for two non-refundable appraisals done on both of my properties in order to get the loan approved. The cost of two appraisals was over $1,100. I asked if there were any other concerns regarding my financial status before moving forward with the appraisals, and I was told no by the loan officer. The appraisals were done on January 31, 2013. The loan officer stated that the appraisals were in good shape and that we could proceed to the underwriter to have the loan cleared to close. This was on February 7, 2013.

For the next three weeks, I did not hear anything regarding the status of either loan applications. I called the loan officer weekly who stated he was still waiting for the underwriter to clear the loan for closing. He even sent me an estimated closing date of March 1, with all of the closing costs and new payment schedule, again, leading me to believe that closing was near. On February 22, 2013, I finally heard back from the loan officer who stated there was a problem for the loan on my second property. The underwriter stated that I did not meet the Debt-to-Income ratio to clear the loan. I found this extremely hard to believe since last year, I paid off one of my mortgages with Wells Fargo and have no auto payments, and have very little credit card payments. He stated my debt to income was 53% and needed to be near 45% to clear. He advised me to reapply and add my wife's income once again leading to believe this would get the loan approved. I told him that I would wait to see if my primary loan application was approved before considering reapplying. I was extremely disappointed and still did not believe that I was denied, but nonetheless I waited patiently for the outcome of my primary residence application.

On Monday, February 25th, I again was told there was problem with the application by the loan officer. I informed the loan officer and manager that I could not find anyone to verify the outstanding HSBC payment and the AFNI was a seven-year disputed claim which I explained in the letter I sent back in early January. I was given the number to RELS Credit to assist in my search for the credit inquiries. RELS contacted several numbers for HSBC and also could not verify the information Wells Fargo underwriters were seeking. They stated that they would update the file to note that the information could not be verified and request that the underwriter waive this inquiry. In addition, I spoke to the loan officer's manager, Mr. Scott **, who explained that he would meet with the lenders to explain this to get the loan to closing. He also stated that in addition to HSBC, the AFNI account was still open and that I should pay this to clear up that matter to move forward with the loan. These were seven-year-old debts that should not have been on my credit report in the first place.

Finally, I received a call from the loan officer on February 26, 2013, a week before closing notifying me that this loan was also denied because the debts were unable to be cleared in time with the credit agencies. They stated there was nothing they could do. I'm sure they knew that credit information takes more than a week to be updated. I was furious that these issues were prohibiting me from loan approval given my wife and my credit scores (766 & 730). I asked to speak to the manager who stated that Wells Fargo uses an underwriting computer program issued according to federal regulations and that the computer is declaring me ineligible to receive the loan. He stated that I should clear up these matters with the credit bureaus and resubmit my applications and go through the process all over again.

Once again, as a loyal and dedicated customer, I am insulted and extremely disappointed with Wells Fargo. I believe that I was misled by the loan officer and the manager thinking that the loan closing was near. I was not given any time or options to address credit inquiries. The response from the loan officer and manager was inexcusable in explaining my loan denials. I lost over $1,400 in unnecessary payments to appraisals and to a credit collection agency.

Our mortgage payments were set up to be automatically paid from my checking account. I am a retired firefighter from the State of Alaska and my retirement checks are automatically deposited to my Wells Fargo checking account. We are never late on our mortgage payments, nor have we ever been late on any mortgage payment in our lifetime. My wife is, and has been, a full-time teacher for the Washoe School District for 14 years.

We met with a Wells Fargo agent, Robert **, to discuss refinancing to a lower interest rate (I have my wife’s original notes). The interest rate available at that time was 4.75% on a 30-year fixed rate, which would put our monthly payments in the $1,500 to $1,600 range and the refinance charges within reason. We asked Mr. ** to initiate the process to lock in the rate at 4.75%, which he stated we qualified for. We were told by ** that we were looking at a closing before the first of the year (2011). We were told at that time that since our mortgage balance was less than $250,000.00, and that although property values have been dropping in Reno, we should still be good without needing an appraisal. We were also told that we were within the percent range between our application request and our property value to have no reason for concern.

On 12/7/2010, a fee of $445 was charged to my checking account for Wells Fargo to hold, and pay for an appraisal of our home just in case it was needed. On 12/8/2010, I received an email/fax (copy on file) from ** requesting additional information. I delivered the requested information and documents on 12/9/2010. I was assured at that time that we were locked in at 4.75% and there were no foreseeable concerns in our application. During one call, Mr. ** said we might be put into a new program initiated by the Obama Administration to help homeowners. I called or sent emails to Mr. ** each week inquiring about our application. I was assured that everything was in order. Many calls and email inquiries were not answered. I began making calls every two weeks.

On February 14, 2011, we received a letter from Wells Fargo stating that we were locked into a loan rate of 4.875% along with copies of forms we had never seen nor signed, with a date of December 7, 2010. This was about the same time an appraiser came to our home. About this time, I got a phone call from the Wells Fargo mortgage department in Minnesota wanting to know why I had not sent them the additional information that was requested on December 8th. I informed them that had I given all requested information and documents to Mr. ** on December 9th, and that they should call him.

On February 21st the appraisal came in at $225,000. I inquired as to the low value and was told items such as the view-deck overlooking the mountains and the city of Reno, nor the new solid hardwood flooring were no longer considered. On February 25th, Mr. ** emailed a pdf file of additional forms for us to sign and pay $400 plus for an extension. Neither my wife nor I was willing to sign anything without some of our questions being answered. Then on February 28th, we learned that the interest rate for our new fixed 30-year mortgage would now be at 5.25%. Between March 1st and 4th, my wife was getting phone calls from Mr. ** in a threatening manner demanding that she take time off from work and come in to Wells Fargo to sign the loan agreement now. After numerous corrections, we did sign a 30-year fixed mortgage at 5.25%. We were not pleased; however, it did lower our monthly payment from $2,309 to $1,698 giving us more flexibility for other living expenses.

I do not know the proper terms as to whether this was a Loan Modification or a Refinancing of an existing loan. In my opinion, the Powers-that-be in Wells Fargo were fully aware in advance that the value of our property would go down in the four months after December 1, 2010, and that interest rates would go up. I believe they intentionally took advantage of our desire to relieve our monthly costs and that they took less than honorable means to accomplish their goal. In recent weeks I heard on the news that Quicken was offering 3.9% on 30-year fixed mortgages for refinancing. I called them and was told that we came under a one-time-only clause in the Governments homeowner refinance program (HARP) and that we are not eligible to any other program.

At no time during our discussion with Wells Fargo was the HARP Program discussed, nor that would our refinance application come under the HARP Program, nor that by accepting the refinance that we would not be eligible to refinance our home ever again. Recently, a real-estate agent in our neighborhood told me the value of our home had increased by $25,000. If that is true, our mortgage is no longer underwater.

This is our home; I am retired but working part-time. My wife has a full-time position as a teacher and has had her wages cut each of the last two years. We have no desire to sell our home or move anywhere else. We would be satisfied if our present mortgage with Wells Fargo was re-written to the original 4.75% with no additional fees of any kind for the re-write. We don’t ask for a principal reduction. It is our debt and we will pay it. All we ask is that Wells Fargo to be honest and that they re-write our present mortgage retroactive to the date of origin with a current market mortgage rate of about 3.5% / 30-year fixed, the payments be readjusted, and that the difference be applied to our principal.

After several calls leaving messages, we were then told that we did not forward the required documents in a timely manner which was totally erroneous since I documented every document. So at the end of the day, we have spent at least one year going back and forth with Wells Fargo. In over 8 years, we were late one month. Per Wells Fargo customer service, it looks as if we may have to walk away from our house since we have almost exhausted our savings. Due to my husband's health, he can no longer work and I am a primary caregiver, only working part-time.

I suspected they were looking hard for a reason to deny the loan, which they somehow found, which was not really a legitimate reason. In the meantime, we lost our three-month edge on our mortgage and out about a total of $300.00. The fact is it was Wells Fargo Bank that contacted us about this to begin with; otherwise, we would not have put ourselves through aggravation. Due to this we are closing our savings account with them and will be moving our existing mortgage from Wells Fargo Bank as soon as we can.

It turned out that they diverted the funds they were collecting from me into an "Unapplied" account since there was a problem with one of the forms that they did not provide at closing for us to sign. The closing lawyer said that document was not in the package. It seems now that the funds have been credited correctly to our mortgage as of February 24th, but this whole collections issue is mind-boggling to say the least.

How can a company choose to turn someone into collections when they have paid in more than they owe right on time? If this continues or if there are any negative entries on my credit report, you can be sure that I will be seeking legal action. I hope this is an isolated event, but be forewarned, they seem to have different divisions that do not communicate.

There are medications that are not covered by my insurance my doctor has prescribed, but the out of pocket is $200 plus. I have gone without the medication in order to make the payments on the property. So in my case, I suppose doing the right thing is the wrong thing. I was trying to hold on until this short sale was complete and then be able to purchase my medications. I suppose now I am faced with 2 choices - I stop making payments and allow the bank to foreclose on the property, destroying my credit and losing the buyer who was willing to step forward or I continue to go without my medications.

This hardly sounds like a win-win for anyone concerned. However, when all this started, Wells Fargo told me to keep making the payments and it would be a smoother transition, possibly saving our credit based on medical need. They obviously lied. No one should have to choose between making a loan payment or purchasing medication. It just is not right.

For example, they ran my salary report in Oct. 2012 for the last two years, which means the 2012 report only reflects salary from Jan. to Oct. of 2012. They asked me to provide justification from the employer why my salary decreased from 2011 to 2012! I sent them W-2 forms to show 2012 and 2011 salary, and they would rather trust their stupid report from an unknown company over the W-2 form from the government! I am tired of dealing with brainless agents from Wells Fargo. I would not finance from Wells Fargo again and do not recommend refinance through Wells Fargo.

I am sick and tired of dealing with these people. They are messing with my credit rating, my ability to get another mortgage, and my health. I am totally disabled now from the work injury that I sustained in 2008, which started the downward spiral and, eventually, being late on my mortgage. They stated that they would work with me on one of those mortgage repayment plans but never got me into the program. They would constantly make excuses for why I didn't qualify. All I want is for the harassment to stop. I paid them the money and have proof, but now I am the one that has to prove that I paid the mortgage payment.

I believe it's their turn to prove that I didn't make the payment. I am a very sick man who just wants to be left alone. I pay my bills every month and I should be treated just like everyone else. I think it's time that they owe me for my time and effort to clear this up! I just tried to call them on a Sunday because they had no problem bothering me on a Sunday to get their money! I will be refinancing my mortgage after this. I'm done giving Wells Fargo another dime of my money! Please help if you can. I would give them 0 stars if I could ...

The check was for just over the amount (which was low) to require the contractor to jump through hoops in what they called a monitored claim. The documentation I was required to come up with was completely out of line. But I did it exactly as they asked. Then the delays of a huge corporation that has no care of customers began; delays that cost me more money from the contractor and caused me to float money to the contractor. There were three smaller checks and each time, there was repeated documentation required. Promises were made by their Property Claims Division, such as completing just one item (inspection) and we will immediately endorse a check only to have to have it take a week through their red tape.

In the end, the process to get these idiots to endorse checks so I can collect my money paid to me by the insurance company (after years of premiums) took a total of 6 weeks. I have filed a complaint with the US Securities and Exchange Commission. All this delay and mismanagement cost me money and increases the probability of a default or liens being placed on their properties. These people are inept and their customer service is why I will never do any business at all with this bank again.

The market value for our home was wrong as was our race. I called after the holidays and was told that someone filled out the form, that it did not need to be filled out and all that will need to be done is to redo the paperwork. I asked about my January mortgage and was told not to worry about it because we will close before that. Plus if I paid it while they were redoing the numbers, it would throw everything off. Well Jan. 1, 2013 came and went. Then closer to mid-January, I began calling because I still had no word. I was asked to send more documents and told that another credit report was run because the first run had expired. I had to send more financial documents as well. I sent all that and still had not heard anything after sending numerous emails and making phone calls to all the numbers I had.

I got home on the 23rd and I have a message from WF, saying that I am late on my January payment. I explained the whole thing. They transferred me to the refinance dept and I told my story again. They transferred me back to the loan officer, who has jacked my stuff up from the beginning. Of course, it went straight to voicemail. Now I am jumping through hoops to pay this mortgage. I still do not know what is going on with my refi and wanting to speak to a lawyer. How can they get away with this? I could see if we did not qualify, had bad credit or was late on payments. But no, we have paid our mortgage on time for 12 years, have over a 700 credit score, and this is a VA backed loan because my husband served this country for 20 years.

Really WF, this is how you do business? I am going to write my congressman, senator and even the president. This is so wrong! After reading all the complaints and all of them sound the same, how is it that they can get away with this?

After about years of going back and forth, I filed a complaint with their company. I was contacted by a bankruptcy specialist, who informed me that my modification was finalized in 3/10 and that I never made the payments. I explained that they refused my payments and there was never any paperwork sent to me. She said she would check on it and call me back. Needless to say, she never did and I continued to call and leave messages. Finally I spoke to another bankruptcy specialist, who said if my ex-spouse quitclaim deed the property back to me, I would indeed get the help I needed. I did that and provided all paperwork that they requested.

I finally received a call saying that they could modify the mortgage, but that I wasn't approved for government help; but Wells Fargo would let me pay $1,216 per month to avoid foreclosure. I told them no way could I afford that and explained that since the process started, I stopped getting child support of $584 month. The bonus they calculated at $1,000 per month was actually $600. They said they would review my case and I, once again, sent all information they needed. They called me after 2 weeks and said they got my payment lowered to $1,146. I said this was crazy and that this problem would not have gotten so bad if the reps from their company would have been truthful and honest with me, and accepted my payments when I called every month for 2 years.

I asked him to pull the tapes that they have for quality assurance and he would see that I have done everything humanly possible to resolve this. I was told that they probably don't have them any longer and that the $1,146 was my only option. I am a single mother with an income of $50,000 a year. My issue is that this company has reported to my credit report as my payment with them is $479 a month, and that was never an option. They have refused all my payments and now they are giving me a payment that they know I can't afford. I think it's because they want to sweep this under the carpet, so all of the mistakes that were made by this company does not come out.

They have lied to me and sent me on a runaround for over 2 years. In the process, they have destroyed my credit and the chances for me to raise my 9-year-old in the only home he has ever lived in. I have never asked for a hand out, I asked for a helping hand so that I can make affordable payments and maintain my home. This mortgage never would have gotten this behind had Wells Fargo allowed me to make my payments as I requested and gave me the proper information about my modification approval. Now I'm wondering if they received any kind of a tax break based on a government modification that I was approved for in 3/10 and they refused to let me accept. I can provide cell phone records showing all the calls that were made since 8/09 through present.

After about 3 weeks, I was then told that we would proceed to closing on 1-11-13 at 5pm. Well, I took off from work to do so and waited for someone to show up at my house to close. Well, no one ever did. I called Mr. ** numerous times and he never returned my calls or e-mails. Needless to say, I am very angry and frustrated. I am a disabled veteran that has excellent credit and work history. I have never ever been treated this way by another company. I feel Wells Fargo is a crooked company ran by crooked people and they need to be exposed and sued out of business. Caveat emptor, don't do business with Wells Fargo Bank!

We have not been late on a monthly payment in over 5 years. If a payment was not going to be there by the 15th, we added the late fee with it. At one point, we had over $1500 in unapplied funds that they said we could not use the extra funds to apply to the missing payment or late fees. I have been told this is common practice for this bank. We don't even care if they add the "missing" payment to the end of the loan. We want to have them stop threatening foreclosure, stop calling us every 2 days, and stop charging us bogus late fees.

I am now unable to get a loan of any kind, including a new mortgage company (which is now my primary goal in life). Pretty slick way to lock you in, but I am hoping - completely wrong. I have now had to hire an attorney on my own dime because Wells Fargo refuses to fix this.

After 2 months and having lowered the price several times, we got two offers. The first was rejected by Wells Fargo because their policy forbids a buyer to sell the house within 60 days, something our potential buyer wanted to do. The second offer was rejected on price (which was the same price the first potential buyer offered). It took them three weeks to give us an answer on the offer, and it was a two- sentence email stating they wanted almost $50k more from the buyer. We sent back a polite email stating that wasn't even close to what any house in the neighborhood, much less the entire town, was worth. We even sent a comparative market analysis our realtor provided us showing that nothing in the area has been selling for over $100k (Wells Fargo wants $150k).

Their immediate reply? They will accept the buyer' s offer only if either we or the buyer would bring the $50k difference in cash or certified funds. Wells Fargo is out of control and we are helpless against them. They bought and paid for the politicians in Washington that not only turn a blind eye but also bail them out. Where the hell is all that bailout money going? An awful lot is going to sending out useless packets to all the homeowners, offering to help them. I have probably gotten 30-40 of these packets over the past year, many of them sent via FedEx. They are all exactly the same, promising help if we enroll in the HAMP or HAFA or some other pie-in-the-sky program, most of which we already applied and were rejected.

There is no help at Wells Fargo, just clueless lackeys doing what they are told by even more clueless bureaucrats. It's simply disgusting that they can ruin people's lives and there is not a damn thing we can do about it.

Now, their system has messed up and started showing payments were reversed. I will call to remake the payment and then they put through 2 payments at once, making one go back to them after 3 tries and us being charged NSF fees by our bank. They have once again showed us behind and just as we started to get our credit back, they have messed it up one again. When we call to try and get this fixed, we are told this is our fault. They have suspended us from being able to make payments any other way but to get a cashier’s check and walk it into a branch for at least 6 months. I just do not know what to do anymore but file complaints. We will never deal with WF again!

After telling us they would rush the process, the story changed again to "It will take another 3 weeks to get the appraisal." I am completely done at this point and tired of being lied to and blamed for their mistakes. I am more than angry. I am furious. We are closing all our accounts with Wells Fargo and moving them to a more honest bank. We are also applying with another bank next week and praying that they will be able to do a professional and honest job in time for our closing or at least in a reasonable enough time to just delay our closing a little.

On 11/26/12, nothing had been done on Wells Fargo's side to remove the file from foreclosure. On 12/3/12, the Wells Fargo rep said on 11/26/12 they sent in a request to re-open the file as a short sale but no response was received. I find it very disturbing that because of Wells Fargo's neglect in handling my file, my home has now been foreclosed (12/4/12) on instead of completing the short sale resulting in saving my credit. There was no reason that Wells Fargo couldn't complete the short sale process when they received everything that was asked of us without delay. I'm very upset at the circus hoops and total disregard Of Wells Fargo and very saddened that my home is now gone due to an error on their part. Thank you.

They took $385 for an appraisal they never did and have not refunded me. They kept asking for more paperwork every time we called which brings me to the point we had to do all the calling. Mr. **, who was processing our loan, very rarely called us. We had to chase him down every day. If I am forced to foreclose on this loan, it will be their doing, not mine. I have had the loan with them for 15 years. All I wanted was a better rate as we are planning on retiring. I will include all the details when I write to President Obama. It won't stop here. I will file with the Better Business Bureau, the OCC, and HUD, and anyone else who has had similar problems should do likewise. I am so upset with this mortgage company. It's not a company; it's a Boy's Club. This little house is ours and all we wanted was to reduce the loan from 6.5 to 4.29 (their best offer). Is this asking too much?

So, once again, I got in touch with my moving company, to move my house contents to Arizona on October 27, 2012 instead of the moving dates I constantly kept switching. On the 29th, we did not close. Instead, they performed the "walk-through" as closing would take place by Oct. 31st. In the meantime, the night of the 29th, NY got hit with Hurricane Sandy. . As it was well known, Long Island was demolished. We had no power, no phone service and no gasoline. That took several days to return, & Wells insisted that caused a delay. They wanted another walk through. They had no time to perform it themselves, so my buyer came with his camera to take photos to show them my house was intact and sent them to Wells himself. It passed and I figured we'd just fly through the rest of the proceedings. It was not so! I had already called all my utilities with a turn off date, only to have to call each one back to have them turned back on. I had to arrange for my movers to hold my items in storage for a week at the cost of $1000, because I still had no home to deliver them to. I needed the proceeds from my sale in NY to use to purchase my home in AZ.

I was in contract to close in AZ on Nov. 7, 2012. I had tickets to fly out to my vacation home in Tampa, FL on the 29th, to pack contents there & then fly out to AZ on Nov. 2nd. Well, the airports were closed once Sandy hit, and I wasn't able to get to Tampa that week. Because of that, my tickets from Tampa to AZ were useless, and I lost the money I spent on them. Once again, I called my moving company, to find out that they reloaded the truck as planned and my furniture was headed out to AZ with no home to put it in. Because of the storm and no phone service on LI, it was very hard to reach them in time to reschedule once again. When I finally did, it was too late. I am now paying over $1200 a month to store it at their facility in Phoenix.

In the meantime, I have paid a Mobile Notary to get my papers signed and FedExed to AZ to keep my part of the AZ contract going. I paid to wire earnest money, as I needed to get that over to AZ also. My husband had his retirement date set on Oct. 29, 2012. My mail was stopped in NY and forwarded to family in AZ as of Oct. 27th, knowing we'd be out west in a few days time. I also had to call my car transporter numerous times to cancel their pick up of my vehicle, as I was still in NY using it. Now my family in Arizona has been paying to forward all my important mail to my son's apt. on Long Island.

Now here it is, Nov. 25, 2012 and we're still in NY, no income. The money I had saved to furnish my new home has been used on two months NY mortgage, and loans I planned on paying off with my proceeds from this sale. SS doesn't kick in until mid-December and we are struggling to keep our heads above water. I had to charge many things to survive here in NY, including absorbent moving costs. We were given so many lies from Wells. We were told they had a commitment letter, we then were told last week right before Thanksgiving that they can't meet the DTI. How can that be? They would have never received a commitment letter if that was the case.

The seller of the home in AZ states I am in breach of contract, and has kept my earnest money, along with cancelling the contract. I am also out the money I have paid for a mortgage application, termite inspection and engineer's report. It all has been washed down the drain. I am out thousands of dollars because of their pathetic underwriters. How can they still be in business with all the lives they have ruined? My holidays are not the same this year. I hope "AP" from Wells, who has been working on this case, has the same amount of sleep I've been having. - none. It's been one constant lie after another. Somehow I should be compensated for all I have lost. Now I have to risk having such high balances, along with interest on my credit cards. Best of all, once we close, I am homeless! Now I need to start my process all over again, and find a home I can afford in Arizona with my funds being drained. I need to hear what can be done to resolve this problem. Is there anyone who can help?

I think they should be put out of business and never ever be able to do business again anywhere! They have no idea the hell they put families through. Some have even committed suicide and killed even their family members! Does Well Fargo care not one bit! Let them lose their jobs and see how they like being put out of their homes of 21+ years of residency! Your baby's home, the home your grandchildren have been coming to, holidays, weddings, graduations, funerals, and birthday plans - I can't express enough how violated you feel knowing you'll never have another memory of happiness or sadness in that house (your home). Like the song says, "The rich man does the dancing while the poor man pays the band."

I am still receiving the bi-weekly calls, but there has not been any progress since July. The original six weeks is turning into six months. I asked the representative, Brian, why it was taking so long to complete a closing that was just a matter of changing my interest rate, especially since all my documentation was complete, and my credit is in very good repair. What happened to the original six weeks? His constant response is that they didn't expect such a large number of customers to take advantage of the offer. Wow! You make an offer that customers can't refuse and you prepare for the response?

But I would just like to speculate: Wells Fargo is waiting until the Presidential Election is over to see if President Obama will be reelected, since he initiated the mandate that banks lower the interest rates for families (like me) whose credit is in good repair and are upside down with their mortgages. In the unfortunate event that President Obama is not reelected, are they expecting Governor Romney to reverse the decision that is intended to boost the economy and put money back into the pockets of Americans that both of the Presidential candidates say they care so much about?

Wells Fargo, please do what you promised you would do and stop fleecing the pockets of your mortgagers. I hope there are a great number of eyes looking at you and I hope that there are laws to point out that what you are doing is unethical to the point of being liable.

Next, they wanted a copy of not only my last 60 days' bank statements, but the last 180 days! No problem - got that, too. Next, they wanted my last two years' tax returns and a statement from my mother that I live with her. What?! Okay, so I sent that to them. This is now over eight weeks since the first application. WF ordered the appraisal and it was completed. Then to send me over the edge, WF called me three days before the closing to tell me I've been denied! Mind you, the closing was set for 10/31 and they called me on the afternoon of 10/26. When I tried to contact my "sorry excuse of an adjuster" back, he left for the day and no one else could assist me. He only just returned to the office today, 10/30, to send me an smart-ass email about my original earnest money and that I would receive a formal letter in two weeks! I found an email address for the WF's Board of Directors and sent all of this information to them. Stay away from Wells Fargo! They will drive you to the extreme!

According to Federal government home loan modification program (MHA), I qualify for modification/refinance based on these grounds. This is the detail of the hardship affidavit: One, my household income has been reduced since year 2005. My husband is suffering with kidney problem. Both of his kidneys failed in year 2008 and then he had a kidney transplant. Due to my husband's critical health issues, he is unable to put that many hours at his work, resulting decline in business earnings. His income went down by almost 90%. Please see our income tax return for 2009, 2010 and 2011.

Two, our monthly debt payments are excessive: a) Additional monthly payment due to IRS liens; b) Additional monthly payment due to my husband's bankruptcy; c) For the past 5 years, I have been trying for refinance. As of today, I made all the payments - I was never late. But due to that, I borrowed money from my 401K account and from credit cards and made payments towards my mortgage account. But unfortunately, I didn't qualify for refinance due to high debt to income ratio. Three, my expenses have increased. Our medical expenses have increased, due to my husband's and my older daughter's health issues. Both of them are suffering with serious health issues. Last year, we paid almost $12,000 for medications and co-payments. Four, my cash reserves, including all liquid assets, are insufficient to maintain my current mortgage payment and cover basic living expenses at the same time. Please see details of our medical, gas, utilities expenses, etc.

As of today, I have applied several times for modification or for refinance. But each time, they disqualify me for either one of those programs. Just recently, I was informed that they denied our modification because my loan type is pick-a-payment. Therefore, I do not qualify for any of these programs. Also, they were not sure whether it's Wells Fargo loan or FNMA. They got us into a type of loan misleading. This is happening to many homeowners. This is intentional and it is criminal. I feel Wells Fargo has lied to me about my paperwork and charged me more than they should have. They have caused more stress on me and my family than you can ever imagine. I was never late on a payment and I earn enough income to pay for my mortgage - if approved for the program Hardship Loan Modification or for refinance. I am asking you to help me to lower my interest rate and give us back the high interest payments that we have made to the Wells Fargo Bank.

We finally made head way, and they (Wells Fargo) realized that they made a mistake, and the bankruptcy trustee had all their funds, and we had paid the trustee on time, and we had paid Wells Fargo on time for 12+ years. Then, we were told that the Trustee Sale was cancelled. Well, Wells Fargo didn’t file the right paperwork, and they sold our home at an auction when, in fact, the bankruptcy trustee had all of our mortgage payments and the bankruptcy lawyer with Wells Fargo was not even aware that this had occurred. Now, we have to sue to get back what never should have been taken. Not only are we in a legal battle with Wells Fargo, but now with the person(s) who now claim they own our home. We had our accounts with Wells Fargo for over 15+ years. We have since moved our accounts to another bank. They are crooks, and the miscommunication and "not our problem" attitude is unacceptable. We do not deserve this heartache and stress!

Needless to say, after having to walk away from three properties and waiting a month and a half for a conventional pre-approval, it was explained to me yesterday that I was denied based on my student loan debt. Wells Fargo told me this would not be included. But my ex-loan officer explained to me that they did not read the guidelines correctly and that they missed that aspect of the application! Bottom line is, I have gotten nothing from Wells Fargo. I fired them yesterday and I am looking for new home mortgage financing. Stay away from Wells Fargo!

I explained to WF that they set it up wrong and my dad never authorized to send the money before his retirement funds would be in his account. They acknowledge their mistake but they would not seal it in a letter. After months of sending letters and numerous calls, they waived the late fees but will not remove the late payment so my dad can qualify for a better rate with the HARP 2.0 program. I contacted Fannie Mae, the three credit bureaus, and FTC. Nearly a month ago, I recontacted WF to do the HARP again, and they said we need to wait another 6 months because of the late payments. But they are waived. I went through all this for months and they are not together at all. My father pays more than a three-thousand-dollar mortgage and his health is deteriorating. I called other lenders, but because of the late payments, we cannot refinance with any other lender. So we are in a jammy. Please help.

Therefore, I didn't pay May's payment. June came around, I told her I could make my payment. She stated to pay what I felt I could afford to give them an idea of my new payment. I paid only $500, again I paid $500 for July and $400 for August. In September 2011, I told her I could make my full payment. She said, "Don't worry about it. We are working with you." Then the next day, my local bank called and told me I was in the paper for foreclosure in Oct. 2011. I was a basket case!

I called Bianca, asked her what was going on. Again, I was told not to worry about it, she was working with me, but Wells Fargo wouldn't accept any further payments from me. Also, the ones I did make were not applied on my statements. I asked her what I needed to pay to reinstate my loan. Bianca plainly stated that if I had that kind of money, I didn't need to be speaking to her. Then she told me my case was closed. Wells Fargo would be foreclosing on my home. Then, Jason ** called from Wells Fargo Home Preservation/Collections Department. I spoke with him for about a month. He felt I should do a short sale. That was not an option to me. This is my home! I was never late on my mortgage until this happened.

Then Ashlee ** from Wells Fargo called me from Executive Mortgage Specialist, office of the president. Ashlee suggested that I speak with Stacy **, Executive Mortgage Specialist, Office of Executive Complaints. In Jan. 2012, Stacy told me to pay $600 a month for a trial period of three months. If I complied, I would get a modification on my loan. I complied, never missed a payment. In April 2012, Stacy told me they were going to do the modification/forbearance of $765.55 which would include escrow for my taxes and insurance for three more months. I complied with every payment, never being late. My original payment before this started was $774, not much help.

Now, Sept. 2012, I am told all the monies I have paid in the last two years went to Wells Fargo attorney fees. Wells Fargo will do the modification with a second mortgage for the past due balance of $10,414.89, escrow overdraft for $1,428.90, recoverable Corporate Advance $6,166.90, unpaid late charges of $463.03, other unpaid charges of $125.82, total contractual and other fees and charges of $137.82. The amount due now on my loan is $170,204.26. This has been added to my original balance two years ago of $151,000. Now instead of owing $151,000, I owe $170,204.26 making it impossible to stay in my home.

At this point, I don't know what is going to happen. It hasn't been a happy place to be in for the past two years. I am, and always have been current with my property taxes and my homeowner's insurance, as well as any obligations. I will do without to make sure I pay my bills. This incident doesn't reflect me as the person I am and it has been very upsetting.

In mid August, we received the results back from the VA appraisal and that there were only minor repairs that according to the appraiser did not affect the livability of the house. Having gone through the VA before and knowing how strict they are with repairs, we asked our loan processor on August 23rd if those repairs needed done and if so, who was to contact Fannie Mae. On August 27th, our processor emailed back that the appraisal had been approved and we were ready to move forward. We were excited to be moving to a great school district and so asked our processor if the loan was going to go through because we wanted to know if we should send our kids to the new school even though we would not be closed by the start of school. She informed us that the loan looked really good and we were very close. On her word, we open enrolled our children in the school and assumed we would only be making the 20-minute commute to the school until September 20th.

In early September, we started asking our processor what she needed and what the underwriter was waiting for. We never got a straight answer and were only asked once a week for copies of our paychecks on a weekly basis. Two weeks before closing, we started to line up renters for our current house but again wanted to make sure that everything was going to go through before we promised our house to someone else. We asked two processors who were working on our loan how things looked and if they thought it was going to go through because our renters needed to know to give their landlord notice. We were informed by both that there should be no issues and that everything looked good to go. We now thought we had everything lined up. The kids had started at a new school that they loved and we had great renters lined up. One week before closing, we again started pressuring Wells Fargo about what they were waiting for and if they needed anything from us.

They said they were waiting on tax verification, in which we later found out was never ordered until one week before closing. We asked in five emails what else they needed other than the tax verification from the IRS so that we could get everything around while we were waiting on the verification. They told us that was all they were waiting for. The verification finally came through and we were informed we should be ready to close. My husband and I started to get really concerned on the Monday of closing week when we had heard nothing from Wells Fargo. Our realtor and the sellers’ realtor had been trying to contact Wells Fargo and they never returned any emails or phone calls. They did contact us through email and said there were no issues and we are good to close Thursday and that the loan was in the final underwriting phase.

On Tuesday afternoon at 4:00pm, Wells Fargo told me that the stamp on one of our bank deposits we provided was not dark enough and I needed to get a new copy of the deposit slip. Obviously, the bank was closed at that point but I took off of work in the morning to get the bank deposit slip with a darker stamp on it. At that point, I was told that was all we needed. On Wednesday, one day before closing, our realtor and sellers’ realtor really started putting pressure on Wells Fargo, asking them for answers. Wednesday afternoon, we received an email from Wells Fargo asking, "Have the repairs been done?” We were told on August 27th that the appraisal had been approved and nothing further was needed. The repairs are very minor and could be done in an afternoon but would have to be re-inspected by VA appraiser which could take up to six weeks! This was sprung upon us one day before closing. Fannie Mae was never contacted about the repairs that needed done and their representative was ready to walk when the contract expired.

At that point, we figured there was nothing we could do to make the deal close on time. Wells Fargo informed us there was nothing they could do because the VA required the repairs be made and re-inspected. We were at a loss, but the next morning we caught a break. Our realtor knew someone who works for the Congressmen Bob ** and contacted someone in the Veterans Affairs Administration who was willing to sign a waiver stating the repairs would be waived as long as we signed an addendum that we would do repairs after closing. My realtor and I were in tears that someone had backed us up and we thought we had got the pass we needed. Then the wrath of Wells Fargo struck again! My realtor had asked for exactly what Well Fargo needed before and everything had been fulfilled. The afternoon of closing, we were informed that we needed an explanation of one of our deposits from three months prior that was given as a gift from my grandmother. They needed her to sign a gift letter and that was the final thing they were waiting for.

I immediately left work and was willing to make the three-hour drive to get the letter signed since my 90-year-old grandmother does not have a fax machine. We ended up finding a realtor in the area who would drive to my grandmother’s house and have the letter signed. It was returned to Wells Fargo by 2:00 pm and we were still thinking there was a chance to close. Then Wells Fargo did it again. The flood insurance we had gotten weeks before was not sufficient because we needed it on the pole barn as well. We would need a new survey and an updated policy. At this point, I was so frustrated, called the surveyor, and begged him to fit us in so we could get this closed. He agreed to go out first thing in the morning before his other appointments and our insurance agent said they could have the figure to Wells Fargo by noon. We informed Wells Fargo of this and Fannie Mae agreed to extend our contract a day. At 4:30 pm, we were sent another email from Well Fargo that we needed Employment Verification as well, again something else that Wells Fargo forgot to do.

Our insurance agent sent over documentation today and our loan processor has decided to take the afternoon off! We have missed our closing date again. We have jumped through every hoop possible for Wells Fargo and I am beginning to come to the conclusion that Wells Fargo just can't find anyone else to sell our loan to and has no intention of closing our loan. We have uprooted our children to a new school based on Wells Fargo communication that everything looked good and should close with no issue. We have had so many ups and downs the last week and are completely at their mercy. Wells Fargo staff has been rude and unresponsive. One processor informed me that I should feel lucky to even be considered for a VA loan because they are very hard to obtain today. My husband has served in an active duty deployment as well as the reserve and we have worked very hard to be at the point where we are financially. I have felt many emotions over the last week and I can guarantee that not one of those emotions has been lucky.

My brother and his wife applied for the same program at the same time and were also told that they didn't make enough money to pay the reduced mortgage. We believe this company is deceiving its customers in offering such a program. We are not late nor have we ever been late on our mortgage, but the possibility is there due to my husband's overwhelming medical bills. My brother also applied for this program and was also turned down and told he didn't make enough money to pay the lowered mortgage.

Buying a home in today's climate is a real challenge, especially since my son is a new lawyer in Miami and this is his first mortgage. You would think that Wells Fargo would want to create a positive, long-term relationship with my son who can bring many years of business to them. Instead, my son has told me several times that Wells Fargo simply does not care! A recent incident illustrates this. My son has done everything requested from the back and closing people. First, the appraisal was several thousand lower than the asking price that Wells Fargo has set for the home. This resulted in a one month delay as the contract had to done over.

Next, one week before a second scheduled closing, we found out that there was a $47K second mortgage on the home. Now please keep in mind that my son has been working on this purchase from since October of 2011. Amazingly, for 10 months, no one informed by son of this outstanding $47K second mortgage until a week before the scheduled closing.

The holder of the second mortgage, GMAC, did not give my son an offer so he could satisfy the second mortgage until a week ago. He agreed to their offer, but was then told by Wells Fargo that he had to complete the closing within 5 days! There have been many errors in this process over the 10 months of my son's involvement, but all of those errors have been directly caused by the banks and realtors conducting this transaction, not my son! Now Wells Fargo tells my son that he must close by September 5, or lose the entire purchase. This has been a sad comedy of errors while my son did everything he was asked. How reasonable is this deadline when one considers all of the hurdles that had to be overcome with this purchase?

Wells Fargo is unreasonable and clearly does not care about the satisfaction of its customers. It doesn't matter that their deadline is totally unreasonable, especially when it is considered that one additional delay for one week would give GMAC the time needed for them to submit their required documents. I would advise any perspective home buyers to avoid Wells Fargo. You want a bank that is far more cooperative in working with you on your new mortgage.

The total for the appraisal was around $400 out of my pocket. I also took time off from work so I could get this done. Before the appraiser left, I asked him how long it would it take for him to do his report and hand it over to the bank. His response was 2 days. The appraisal was done on a Thursday and he said it should be in the bank’s hands by Monday morning. I called Lucy back on Monday afternoon to check in. She said she hasn't received the appraisal because "the appraiser was sick over the weekend and couldn't finish it". A few days later, Lucy sent an email asking me to sign and return a subordination form for BECU. I signed the form and faxed it back to her as soon as I opened the email; 2 weeks went by and no contact; I called, no answer; left messages, still no answer. Finally, I sent her an email stating that I was still interested in refinancing and was not sure why she was not returning my messages. I got an email response within 30 minutes stating that it takes time for BECU to respond to a subordination. Fine.

I replied and asked if I could get the contact number at BECU to see if I could help speed the process along; yep, no answer. After a long period of no contact or updates from Lucy, I kind of gave up and forgot about it. June rolled around, and out of the blue, I got a voicemail from a Sean Patrik ** from Wells Fargo. Sean told me that he is my new loan assistant and he will be taking my file from here on out. He just wanted to update me and told me that BECU finally agreed to the subordination and that my paperwork will be sent to the underwriters for review. He also went as far to say that I should be expecting to close within 2 weeks. Two weeks went by and Patrick emailed me asking me to fax my most recent bank statement; OK, done. Another 2 weeks went by, and guess what, I now got a call from a lady named Tara from Wells Fargo stating that Sean is no longer with the bank and she will now be taking over my file. Are you kidding me?

I told Tara that I've been at this since April. I asked her what the status of my file was and she said that none of my paperwork has been sent to the underwriters and that I would need to send her all of the required documents again! I asked her what happened to all my documents that I faxed last April? She had no excuse and could only say that they obviously dropped the ball. Frustrated and furious, I told her that I would not be sending any more documents and that she needs to go find my paperwork. Around mid-August, I got a voicemail from Tara stating that she "learned some new information" pertaining to my loan and that I should be receiving a letter in the mail. Two days later, I got the letter stating that I have been denied for a refinance because I have a credit score of 757. Ummm, yeah. I called Tara and left a voicemail wanting her to explain the letter. To no surprise, I got no call back. Wells Fargo, you fail to the most epic levels ever! I hope (and I know I'm not alone) Wells Fargo will be the next bank to go under.

It's been 5 days and I haven't received the promised information. I emailed their (so called) customer service and their response was for me to call the refinance department, same number as before. They didn't say we will get that information to you immediately but instead told me to call. That's what I've been doing. The definition of insanity is to do the same thing over and over and expect different results. I have excellent credit and can go to another financial institution. Wells Fargo has no respect for my time or me. You can't even make a deposit there without an issue. The customer service is non-existent.

Prior to this date, I had been calling their customer service for real estate and the representatives said they would send an email to their department requesting immediate action. Well then I was told I had to go and identify myself and have someone witness the original trust, which I did on 08/16/2012. Mr. ** called their department to confirm if they received everything they requested. I called on the 17th of August to see if everything had been updated on their computers. I spoke to a Mr. **, who said they needed me to process a password. Why no one told Mr. ** this when I went to the bank on the 16th is beyond me. I went on the the 17th of August to do this. I went before 11AM California time. They said it would take 24 hours to process. I called on the 08/20/2012 and spoke with Justin, a representative, and it is still not updated.

I feel like these workers are incompetent and do not know their jobs. In the meantime, the buyers are wanting to back out of the sale as it's now 7 days past closing. I explained that my family does not have the payment for my mother's home for August as we all have our own mortgage payments. We were able to keep the payments for June and July. Does Wells Fargo want us to lose the buyers so the home ends up in foreclosure or we have to lose money to them? I am not understanding how long it takes to input information into the computer and get a payoff, which is computed by the computer. I am the one taking the heat of distrust from family members, who do not believe this is taking a long time.

I am diabetic and the stress has caused me to have to take more medication for diabetes and high blood pressure. Does anyone know what else can be done to get this bank to do their job in a timely manner?

The bank is spending thousands of dollars to kick us, then to sell it for a loss, when we are close to obtaining the funds to negotiate. But they don't care. This is like going for the winning prize with no regards of the people and small business. They are destroying. Please let me know if you can help me fight this powerful law firm. We only want short time to reorganize and settle with them. What is going on? The banks with their monetary power are killing the struggling middle class and empowering the small business. Who is going to halt to this situation? You can contact me at **.

We ended up having to file Chapter 13 bankruptcy. The terms of our bankruptcy is having an automatic withdrawal of $3000 deducted from our checks, which limits our incoming funds greatly. We hadn't re-paid the bank due amount to Wells Fargo, when in April of this year, they pulled themselves from the bankruptcy. Since then I have been trying to work with Wells Fargo Home Preservation Department (I don't know why they call it that, they don't preserve your home) and was assigned a specialist by the name of Meghan **. She was able to send me letter after letter requesting documents, yet on the numerous voice mails I left her over a month's time, she could not return one call. In addition, her hours were from 7 - 12 Monday, Tuesday, Thursday and Friday. How are you supposed to contact her when she's hardly in the office?

Two months had gone by when I received another letter informing me that I was then assigned another specialist, Scott **, and surprisingly, he answered the phone. I will admit that he was very helpful and did keep in contact with me and advised me of the status of my request for modification. Ultimately, they denied our request. It seems that we made enough money to pay the mortgage - that's it though, we had no money left to pay utilities, eat or put gas in our cars. Wells Fargo put a sale date for August 6th, meaning I have 2 days to pay the past due amount in full.

The loan specialist told me that the amount to pay is $13,646.09 which I have. When I asked where to send the funds, they transferred me to the bankruptcy department in which I was then told that the reinstatement amount had to come from their attorneys, Gray & Associates. I contacted Gray & Associates and they advised me that it would take 3 to 5 days for the letter and I could not pay the bank due amount until they got the final number from Wells Fargo including the attorney fees which is another $3100! I asked the attorneys if they would be willing to make arrangements with me to pay the fees at a later date and they told me only Wells Fargo could authorize that.

When I called Wells Fargo back, they told me that they could not make arrangements for the fees, even though I had the money to reinstate the loan. I explained that I was willing to pay the attorney fees if they would just instruct Gray & Associates to collect the past due amount. I also asked them that if I was bringing the loan current, why do they still have to collect the attorney fees - they had no answer for that. They ultimately told me they would only reinstate the loan with the past due amount and the attorney fees. I asked to speak with a manager to explain why they still had to charge the attorney fees and they denied my request.

I do not know why they even have a department for "home preservation" because they do not make any attempt to try and assist you in keeping your home. I had perfect credit with them, not one missed payment until the disability with my sister occurred. All Wells Fargo does is drag you along, requesting more and more paperwork so the fees and the past due amounts keep piling up until there is no way that you can bring the loan current. Wells Fargo is the worst and when I bring my loan current, I will make every attempt to refinance the balance of my loan with another bank because I do not want to give them one more penny. I will never use them for anything. I will ensure that I tell every single person I know the experience I went through with them.

Wells Fargo is another greedy bank that wants to foreclose on every property they can and then not even take care of it. Once they sell it and get their money, it will just be another empty house sitting on the street with overgrown grass and peeling paint.

Subsequently, I applied three times for a modification and after lengthy time periods which negotiated the process, I was refused. I have received all the same harassing calls others have, but when I told them I was recording them (Connecticut has a one-party knowledge on recordings), they said they couldn't talk to me. If I ever missed a call, I would call them back and put them on notice I was returning their call. Most importantly I have never gone over the thirty-day period of being late with a payment.

To this day, I have received no help from Wells Fargo. When I ask about the HARP program, they rudely state that I do not fit the criteria (**). What also bothers me is that I get letters constantly from a Shaun ** who states in the letter that she enjoyed talking to me today and I have never spoke to the woman. I am a retired police detective and I keep records of times and dates of anyone I speak to from Wells Fargo. I could go on and on, but my intention here is to make it known that I too would like to join any class action suit against these communists.

The manager brought me to the office, only to tell me that my application had gotten stopped by the underwriter because of a VOE (verification of employment). Well, since I work in HR I called my office, notified the person who handles those requests, and she agreed to fill it out as soon as she got it. I went to have lunch, went back to Wells Fargo and the manager still had no update for me. I called my office and they still had not received the request. It was now 1:30 pm. My co-worker did not receive that request until after 4:00 pm. The image did not show in the Wells Fargo system for the underwriter to see it until the next day. The whole time I was asking for updates and once again my emails and phone calls were ignored - until I finally left a message saying I was on my way to the office again. I received immediate feedback.

They then contacted the insurance company to ask for a policy number when everyone in their right mind knows that you do not get a policy number until the purchase process is complete. That delayed my closing yet another day. The most frustrating part was that I was out of contract and at risk to lose the $9,000 I had given as a deposit for the house. It was frustrating knowing that my money could be lost at anytime throughout the process and no one in that office could even be sympathetic towards my situation. They caused the delays and never even apologized.

Keep in mind that our payment history is 100% on time with automatic payments through Wells Fargo and our loan is not high risk. Also, Wells Fargo even included these same guidelines, citing the Homeowner's Protection Act of 1998, when it sent out our projected escrow balance and payments for the year! Yet, they refuse to cancel our PMI until we reach 75% LTV! So after getting nowhere with Wells Fargo, we filed complaints with the Kansas Attorney General, the Better Business Bureau, the Federal Trade Commission, the Consumer Financial Protection Bureau, and Comptroller of the Currency. Wells Fargo responded twice to these complaints but stood by their insistence that we must reach 75% LTV in order to cancel PMI.

Thomas ** sent a response on June 19, 2012, in which he contradicted himself and included half truths. The letter stated that we are required to maintain PMI until the LTV reaches 80%, but the documents he attached, as well as one of the options in his letter, stated that we need an LTV of 75%. He also stated that an appraisal is "required" when the Homeowners Protection Act says the appraisal is needed only if the mortgage company requests it - it is not a requirement. Two of the options he included require appraisals, which would establish current value. One option would require 75% LTV while the other requires 80% LTV. If that isn't confusing enough, the Appraisal Order Authorization he included in his letter does not offer the 80% LTV option.

Kelly ** with Wells Fargo called on July 9, 2012 at 5:44PM to discuss our complaint. She still insisted that they can require 75% LTV before cancelling PMI even though the signed Private Mortgage Insurance Disclosure document from our loan contract says 80% LTV is all that is required. She had no explanation as to how the 75% was decided except that it's a requirement of Fannie Mae. Fannie Mae's website clearly states 80% LTV. I pointed out that we have no signed contract regarding the 75% LTV so how can they change the terms of our contract without our permission? Further, she attempted to walk back the automatic termination of PMI section of the contract that states that PMI will automatically terminate on March 1, 2013 by saying termination is not automatic despite what our contract states.

This is breach of contract. Just because Wells Fargo is a huge bank doesn't mean they can treat people like this. They must follow the terms of a signed contract, they cannot make unauthorized changes! Wells Fargo purchased our loan, we did not seek a loan from them. They purchased our loan in total and must follow the terms of the loan in total. The only protection we have is our signed contract and have every right to expect that the terms of a legally binding contract are honored. Wells Fargo must be held accountable for this breach of contract. We would welcome the opportunity to pursue legal action but, as one customer, we don't have the financial resources it would take to fight them in court. If a class action lawsuit develops, we will immediately join.

What this boils down to is this: We have signed loan documents stating that we can request cancellation of PMI when our LTV reaches 80% on July 1, 2012 and that it will be automatically terminated when our LTV reaches 78% on March 1, 2013. There are no documents, containing our signatures, that mention anything about a 75% LTV requirement. In addition, we have made our loan payments 100% on time. Nothing Wells Fargo reps say changes these facts. The double-speak, half-truths and outright lies serve only to confuse borrowers and set up smoke screens these banks hide behind in order to cheat the consumer. The three times I called Wells Fargo regarding this issue, I spoke with customer service people who offered refinancing as a way to remove PMI immediately. Everyone one of them made this offer. However, none mentioned the 80% LTV option - all insisted we had to reach 75% LTV.

So they won't cancel our PMI at 80% LTV, but we can pay to refinance and that would take care of the issue. What we are going to do is refinance, but with a local bank that does not sell their mortgages. If enough consumers can do this, big banks like Wells Fargo will be forced to change their deceptive practices and begin to value customers once again.

Apparently, he unenrolled me from their EZ Pay plan! Wells Fargo has drafted my bank account for the last 7 years, every single month. Suddenly, my payment was not drafted. I called them and they say that on May 31, I cancelled my payments on the website. Please, anyone who has a mortgage with them see if the functionality even exists! The only payment option on the site is to make a 1 time payment from another Wells Fargo account. Customers do not even have access to unenroll from EZ Pay!

That is fraud on their part. That representative modified my account without my permission. I am refinancing with another company at this moment and now have a 2 week late payment. Thanks! Oh, and the icing on the cake is, I do have a Freddie Mac account. I spoke to Wells Fargo twice and they said I didn't, but I can go to the Freddie Mac website and type my address in and it confirms it. I am refinancing with Quicken under the HARP program for Freddie Mac insured loans. Very poor business on Wells Fargo's part. They have permanently lost a banking customer once I close this account and refinance to another company.

I cried my heart out writing the hardship letters thinking that a higher power had finally come into my life and save our house. But it was all the same, your people treated us without any shame, compassion or any understanding of where we will be living in the next few months. My son needs special attention, special bed and care. My wife and I still haven't had a chance to grieve for the loss of my older son, yet Wells Fargo only sees the big $ sign. My family and I are in limbo. We all have depression and feel like the great American dream that we worked so hard to get has been pulled from our feet. The loan on the property is not really a loan that can be negotiated, it is like a stock, many people owed it. Is this our fault? I say not, it's the practice of selling loans and the small writing in the contracts that count, the writing an excited new home owner doesn't read because his family has a place to live and grow. Wells Fargo has taken more than a home from me.

It has taken my life; a place where my children, plants, and palms all grew up. A place where we spent 10 Christmas days, many birthdays and graduations, a place where my wife and I could sit and read the paper and feel secure and relaxed knowing the kids were at school and a place where we felt at home. We ask ourselves where we go from here and we really do not know. All banks have turned their backs on us. People we knew, even like Shannon, can't help us.

I am a responsible, single, ** professional woman with a 750 credit score, who wanted to capture my slice of the American dream by purchasing my first home. I pre-qualified for a mortgage with Wells Fargo Home Mortgage, Robert **, Branch Sales Manager, ** on November 17, 2011. I found a house I wanted to purchase, hired a real estate lawyer and paid for a home inspection ($600.00). On January 21, 2012, I presented an offer to purchase the house. On instruction from Wells Fargo, I forwarded the home inspection findings to Wells Fargo and proceeded with providing all the necessary documents to solidify a mortgage. On February 28, 2012, I received the first mortgage application and what seemed to be an approval from Wells Fargo for the purchase price. I was told by both my lawyer and Robert ** to send my 3.5% deposit ($7,630.00) to the seller's lawyer and it was posted on March 7, 2012.

On March 6, 2012, Wells Fargo appraised the house and found the house was valued lower than the sales price. The seller and I agreed to the lower price and signed a contract of sale on March 28, 2012. On April 16, 2012, I was told by Robert ** and his office to purchase homeowner's insurance. I was told that it was necessary to secure the mortgage so I got homeowner's insurance from State Farm insurance for $2000.00, money that has not been refunded to me as of this time. On April 18, 2012, I received a Time of Essence letter stipulating that I will lose my deposit and be liable for any other losses if we do not close on the house by May 1, 2012. My lawyer and Robert ** kept emailing back and forth several times and Robert assured him that the file was with the underwriters and everything might be set for closing by May 2, 2012. I received my second completed mortgage application on May 4, 2012.

On April 30, 2012, Robert ** sent an email stating the closing will be stalled again because the underwriters wanted a second appraisal of the house and a bunch of red flags had popped up. I did not understand what was going on so I decided to go to Mr. **'s office to meet with him personally. Prior to meeting with Mr. **, I received an email that with a second appraisal, the house was valued even less than the first appraisal and I would have to provide an additional $7,000 on top of my down payment ($7,000) and closing costs. If I did not have this additional funds, I will have forfeited my deposit and lose the house. I went to visit Robert ** on May 15, 2012 to discuss the situation. I was told there was a lot of misappropriation and oversight of paperwork and misunderstanding, but a second inspection, l will fix everything.

Robert ** went on vacation for Memorial Day weekend and did not return any emails or calls from my lawyer since that time. On June 4, 2012, I had to pay for services rendered to my lawyer, $1,477. I was treated unprofessionally by Mr. ** because he has not returned any other emails or call.

I called Wachovia to let them know we were going to be facing financial problems and if there was anything they could do to help us. The woman I spoke to was very helpful and told us they could put us on a hardship plan for six months in hopes of getting our finances in order. Before I accepted the plan, I asked her if things got better and I was able to find work and felt that we could afford our regular payments again, if there would be any penalties in stopping the plan and going back to our regular payments or if there was going to be some large sum we would have to pay before we could do so. I was told no and that any payment that we were behind on would go to the rear of the loan and we would just start making our normal payments.

I went ahead and took the offer. About three months into it, I was able to find work and felt that we would be able to make our payments again. At this time, Wells Fargo was taking over the mortgage department of Wachovia, I called Wells Fargo to let them know I was back to work and felt that we could start making our payments again. I was told by Wells Fargo that I would have to pay $4,000 to bring the balance current in order to make our regular payments. I explained to them what I was told by Wachovia, but they would not accept the terms that were told to me.

I asked if there was anything they could do to help us. The only thing they would offer us was a loan modification. I had no idea what this was really about; even when they explained it, I still was not 100% sure what it was I was getting into. I filled out all the required documents they requested and was placed on a forbearance payment plan during the process. I kept in contact with them throughout the process and made the payments required by them. During one contact, I was told that it was still in review but that I was missing some of the forms that were requested. I resubmitted everything they requested. A few weeks later, they told me it was denied because of something to do with 31% income-to-debt ratio thing that was not even explained in detail what that meant.

I was offered another loan medication plan and forbearance payment plan. And it seemed like the same process I had already been through, but each time, I had to submit forms to them. Our finances got better, and my income increased. We were still being denied the modification. I cannot recall how many times I submitted everything they wanted, but during one of the review processes, I was handed a foreclosure package from their attorney's office, because now we were so far behind on our mortgage because of all the forbearance plans they put us on. So now, not only was I to send Wells Fargo all this paperwork, but I was to send it to their attorney's office as well.

At this time, I was getting depressed over the whole situation. I was on the computer for countless hours, typing and submitting everything requested that I ended up in the hospital due to a blood clot that had developed in my leg and spread to my lungs. When I was released from the hospital after 3 days, I contacted our representative of South Carolina, Joe Wilson, and I sent him a letter explaining what I have gone through with Wells Fargo. Joe Wilson's office was in contact with Wells Fargo and me via mail.

After a few letters from Joe Wilson's office, Wells Fargo decided to drop the foreclosure proceedings and modify our payments. The payments went from us paying about $964.00 a month to $1062.00 a month. I agreed to the offer, because it would get us out of foreclosure; but now, the payments were out of reach. Then a few weeks later, I got a letter stating that our mortgage payment was going up to $1072.48 because of an underestimate on our escrow. Now, the payments were definitely out of our reach. We made a few payments, but now, we were starting to fall behind on other bills that we had obligations to pay. I had to drop out of school, because I could no longer afford the expenses I was paying out of pocket.

After a couple of months of paying these mortgage payments, I knew we could no longer afford to keep up with the pace. I contacted Wells Fargo again to see if there was anything else we could try, because these payments were really taking a toll on our other bills and our credit was getting hit hard for not being able to make payments to other bills. Once again, the only thing they would offer is the same type of loan modification. I shook my head in disgust and began to feel that owning a home was just a waste of time and money.

My mother passed away in this house, and during our time in our home, we have also buried two pets in the backyard. I have put a lot of work and time into this house to make it the home we would spend the rest of our lives in. I knew that this was probably going to be a big mistake, but I was now making about the same income that I was before I got laid off in 2008. So maybe things would look better to Wells Fargo, and the modification process wouldn't be like it was in the past. Was I wrong?

Forms upon forms were requested over and over again. So nothing has changed in the way Wells Fargo was helping people. In the beginning of 2012, I had enough. I went online to get help with a loan modification. I knew I had to be careful, because I heard of all the frauds and scams going on for this type of problem. But I was desperate, stressed, and just feeling so depressed. I had to do something.

I was finally in contact with a law office that I actually researched and could not find anything that threw up a red flag about them. I knew about the upfront fee issues to be aware of, but like I said, I was desperate and wanted help. I finally hired a law firm to help me with this matter. They in return sent Wells Fargo a cease and desist order. I felt then that maybe, hopefully something would get done. They have been in constant contact with me throughout the whole process. After about three months and sending the law firm the forms they needed filled out and they would send to wells Fargo, I called Wells Fargo to check on the status of the modification that was processed by the law firm. Wells Fargo told me that they did not receive any documents from any law firm. I sent an e-mail to the firm to notify them what I was told by Wells Fargo. The law firm in return sent me an e-mail stating they contacted Wells Fargo and that indeed they did receive the packet but it was sitting on the desk at Wells Fargo not even submitted for review.

A couple of weeks later, I received another foreclosure proceeding from Wells Fargo's attorney's office. I sent that to the law firm as well. So now, Wells Fargo is doing to them the same exact thing they have been doing to me for the last 4 years - lying to them also. Now, the law firm is starting to get frustrated with them as well. All we want is to pay our mortgage to stay in our home, but nothing seems to matter to Wells Fargo or anyone else at this point. Now, I can't even get answers from the lawfirm we hired. So, I guess we got shafted again.

Lately, I have had nothing but ill intent in my head about what I would do to keep Wells Fargo from taking our home. I need help, and I believe that Wells Fargo should be held accountable for everything they have brought down on me and my family. All we ever wanted was to resume our payments and to catch up on the payments we were behind on in the very beginning, which was only about 4 months' worth. Wells Fargo could have done something back then; they could have just done what I was told by Wachovia and put those few payments to the back of the loan and we would have never been in this mess to begin with.

So now, I have medical bills to pay and a student loan to pay with nothing to show for it. Thank you, Wells Fargo, for destroying our savings, our credit, and our future. Now that our credit is shot, we have no chance of even a refinance. We are asking and pleading with you to please give us a mortgage payment that we can work with and offer something to help us with the overdue balances. I kept being told you have several options to help struggling homeowners stay in their home, but it seems we are only being offered one option.

The mortgage rep and myself agreed to wait until the Attorney Generals' Program started. About that time, I had also checked to confirm that Wells Fargo still owned my load and had not sold it to Fannie Mae. I checked on the Fannie Mae site, and they had no reference to my mortgage. About a month later, I called Wells Fargo to apply for the Attorney Generals' Agreement Program as it was not active. I was told that the load had been sold to Fannie Mae, so I was not eligible for the Attorney Generals' Program since that only applies to bank owned mortgages.

They further advised that I was not eligible for HARP due to some reason I still don't understand (having to do with credit enhancements). Considering the fact that I had a no down payment mortgage (I signed the mortgage contract about 3 hours before this program was no longer valid!). Plus, Wachovia (still in business) failed to send in the form for Mortgage and as a result, I don't pay any mortgage insurance. Also, as indicated above, my house is way underwater. Now, I do not understand how Fannie Mae accepted to take over my mortgage, considering the underwater nature of the house, plus no MPI. It's also interesting that Wells Fargo did not sell the mortgage until right after the Wells Fargo Mortgage Rep finally understood that I wanted to apply under the Attorney General's Agreement. A coincidence?

So as a result, I am no longer eligible for refinancing, where I would have been eligible before Wells Fargo sold the loan to Fannie Mae. It's my feeling that Wells Fargo is getting rid of as many underwater loans to avoid having to refinance these loans. I wonder how many other people have had this same experience.

Our first two mortgages were initiated through brokers and/or other companies. Wells Fargo bought both of our mortgage loans after closing so we decided to go straight to them for financing our new family home. What a mistake! We are now well over 2 1/2 months post the initial closing date and no end seems in sight. They keep dangling the carrot and indicate that we are very close, every week! It takes over a week for each time something comes up in underwriting, then the underwriters go on training, vacation and there is no coverage. Initially they blamed the delay on closing on underwriter being fired for mishandling our loan. Not my issue and yet it has become one of many problems we have encountered.

The staff is incredibly unprofessional, not returning calls, unprofessional emails, and emails forwarded with no information but needing a response. There appears to be no method to their madness. We visit Wells almost daily to see if we can get any movement or updates and to no affect. One thing required by Wells back in April was a signed year lease from the renters of our previous primary residence. We were clear that when we got it signed by our new renters that we would be homeless. Our renters moved in back on April 28th and we have since essentially been homeless, squatting at friends’ houses and making the best of things.

Angry and dissatisfied does not even begin to describe my upset with Wells. Their complete disregard for the direct effect they have on our lives is incredibly upsetting. We have numerous times encountered them and their intolerance with having to deal with us. The longer I am fighting this battle with Wells, the more horror stories I hear from other customers that have been wronged. The mortgage industry as a whole is clear that Wells buys loans, but initiating them and closing them is not their strong suit. I can't believe a business can be run the way their mortgage department is run. It is incomprehensible!

I have teased with friends about starting a post-traumatic Wells support group. The mental, physical, emotional and financial toll this has taken on me and my family is great, and we will ensure that everyone near and far knows of our battle and never gives Wells Fargo business. After holding out for months, we are going elsewhere and hope to close very soon. I may pay slightly more, but will do so gladly, knowing that I don't have to deal with Wells Fargo any further. I look forward to telling Wells Fargo where to go.

I called on June 11, 2012 and spoke with a rep named Kelly. After she reviewed my information, she acknowledged that I called in and made a payment. However, she said that they were missing one number for the bank account and, therefore, it did not go through. I told her it was impossible and that she verified the information before we hung up the phone. Kelly then said that she was going to email the supervisor of the rep that I spoke with on May 29 and she would review the tape to see what exactly happened and she (the supervisor) would be getting back with me within 72 hours. Well, five days passed and there was no call; then two more days passed, making it a week and not a phone call.

I then called on June 18 and spoke with Abraham who told me not to contact the dispute department until the supervisor returns my call. I then called later that evening and spoke with Rico to try and get something in writing to clear this matter up. Rico was a work of art. He did everything in his power to not let me speak to his supervisor until I had to become very loud. He kept telling me that he told his supervisor what happened. When he finally transferred me, it went straight to voice mail - go figure that! When I called back I finally spoke with someone that had some sense. I didn't like what she said, but it made sense. She told me that Kelly should not have told me that a supervisor would call me back because that is not what happens.

I needed to submit a statement to the dispute department and that is how that situation is handled. I was due to close on a property next week, but now I do not qualify because of Wells Fargo's error and the late payment information sent into the 3 bureaus. And the worst part is that Wells Fargo is not in any hurry to fix this problem. This is not the first time I had to deal with an issue with Wells Fargo.

My credit is excellent, and I have returned every piece of information they wanted within 24 hours via e-mail. The real problems began with the appraisal. First, a week went by, and I was waiting for the third party, who hired the appraiser to schedule it because "they thought it was on hold." Then, the appraiser supposedly did the appraisal but did not turn in the report for three weeks. No one at Wells Fargo told me this, until I inquired directly and specifically on this matter. I told them directly and specifically to set a deadline, which was 10 days after the appraisal was due; and they ignored me and waited another 10 days. After that, they said it had gone to underwriting but that the loan volume had become very high and I would have to wait to find out whether or not the appraisal met the loan terms.

My closing date has now come and gone, and I had left 60 days to close. Today, I got a list of additional inspections, and the "underwriting review committee" wanted it done before they commit; yet, they still haven't told me for what loan I qualify. I stopped by the insurance agent, who told me the underwriter has called her three times a week to nag her to get an insurance binder for the house from me. I told her the story today, and she said, "Don't sign the binder, unless you are sure you are buying that house through that company, because they will charge you for it even if you don't follow through on the purchase."

The rate is locked for 90 days, but we're already at 60 and I don't see how this loan would close in 90 days, especially since the slacker appraiser has to return because of a small patch of peeling paint he identified as needing to be repaired (for an additional $100, don't you know). As sad as it is, I think my only option is to start over with a local bank. I'd have lost the $600 for the appraisal, but the list of additional inspections they are requiring will probably cost another $600 and no local bank would ask for them. After reading this list, I think I should run like hell and thank my lucky stars I won't be shackled to Wells Fargo for 30 years.

On 5/11/2011, Wells Fargo started a homeowners policy on the sold property under my name and charged it to me (with their own insurance company). They stated that my old policy was cancelled! No **. I don't own the house, let the new owner get a policy. Now, I get in the mail (Wells Fargo went out of their way to get my new address) an insurance renewal policy for the same house sold a year earlier for another year! What the **. I tried to cancel the insurance but they won't let me. Hours being spent to every department - and nothing. Also, I just found out that they have been (on top of yearly insurance) charging me monthly mortgage payments, taxes and late fees - plus, God knows what!

When the house was bought, I owed nothing. But now, I have a $50,000+ negative escrow account! How? Why in the ** am I still down as the owner on a house they already sold? Now, I'm buying a house on contract that I can't insure due to the fact that I haven't paid the insurance on somebody else's house. My credit is so low now you need a shovel to see it!

The last I heard from them (6/11/2012) is they will check into it and I should fax them a letter telling them my complaints. Why do I have to tell them they foreclosed on my house? I didn't have to write them to tell them to start foreclosure proceedings! Please help. What can I do? I'm running up bills daily and Wells Fargo has done nothing and seems to be in no hurry. Thanks.

Wells never provided me with an interest rate buy down to eat up these additional monies. They just gave the money back to the seller in the form of cash. Who are they working for? Me or the seller? Anyone else noticed that there is no customer feedback contact information on the Wells Fargo website? And if you call one of the general customer service lines looking for information on how to provide feedback, the agents who pick up the phone do not know what to tell you and have no further information to provide. I spoke to reps at both home mortgage and home financing, neither could provide this information. I had to find a rogue site on the internet to submit a request to be contacted to get Wells to contact me.