I have been fighting with American's Servicing Company for almost a year now, I got behind on my house payment after helping out a family member who had lost her job and was about to lose her home. I wanted to help thinking I had the extra money, I guess I didn't. Than I needed to help my parents. But dealing with ASC was a nightmare always having to deal with someone else when you called them, I must of dealt with 10 different people each one telling me something different each time. One women basically told me I was going to lose my home, if she didn't receive cashiers check by 5/26/08 in the amount of $2, 239.00 she would foreclose on my home. I sent it by UPS it got to her on 5/24/08 and wasn't applied to my account until 5/28/08. I've had to file for Bankruptcy, I've had to fill out 4 Loan Modification applications. ASC/Wells Fargo was the only creditor who filed a Relief Automatic Stay, the judge ruled in their favor because to some law and his hands were tied, but in his judgement stated that ASC/Wells Fargo was to work with me on and give me or my attorney information on a potential Forbearance Agreement, Loan Modification, Refinance Agreement or other Loan Workout/Loss Mitigation Agreement. Well that never happen my attorney called nothing... On my last Loan Modification application I filled out on 04/16/2009 and faxed to Wells Fargo I did hear anything until some Realtor start taping notices on my front door 'Cash for Keys' I let her have it, than had to make nice when my BK attorney found out that my home was sold without no notice to me, nothing post on my door in the paper, and was sold back to Wells Fargo for the amount I stated my home was worth on my 04/16/09 Loan Modification applciation. I have now had to look for a Real Estate Attorney, which I was finally able to find last week and just spoke with him today. Are Mortgage Companies Above the Law are they able to do what they want, they have made me feel like a loser and that I have to explain my whole life story, and they don't have to do anything.

I'm a divorced woman who's managing to keep my head just above water. I get help from no one and all of my income comes from one job (that I'm grateful to have). My I initially got the loan from Wells Fargo they did not offer the consolidated loan, but told me I could re-fi later because it would be available in the near future. Well now that I desparately need the insurance & taxes included, as well as a reduction, I've been informed that I'm not "Default Imminent"!!! What do I have to do? What can I do? I don't want to lose my home, but I can't afford it like this.

I got a loan on my car from Wells Fargo Financial. Three years after I finished paying it off, I still haven't received the title to the vehicle. They sent me a check because I overpaid on my last payment, so it's obviously paid off, but no title. I go into the DMV, they say I have to go the bank. I went to the bank twice and they finally sent me a document "Lien Satisfied / Title Holder Release" but they didn't sign it or notarize it. Their office is in Philadelphia, PA but they typed Philadelphia, CA on the form. What's up with these people?

I go into the DMV again, hoping it can be taken care of electronically. No, they told me I have to go back to the bank and get it signed and notarized. The only way to find out what I have to do next is to go into the DMV and wait for an hour to talk to someone. Now I have to go back to the bank for the third time and after that back to the DMV again (third time). Then, it will take two weeks for the title to be sent to me from Sacramento.

Is it really so unusual to finish paying off an auto loan? Why is this so hard?

This bank deserves to fail. I sure hope my tax dollars didn't contribute to a bailout for Wells Fargo. They suck.

I called to ask about the late fee on my bill. I have automatic bill pay, so there should never be a late fee -- unless they changed due dates without notifying me.
I called "customer service." When the guy refused to reverse the late fee, I asked to speak to a manager. I got a voice mail system.
I called back and got another rep. Told him I got a voice mail.
He said it was their policy to send callers to a voice mail system if they asked for a supervisor.
This is intentional business misconduct, and they're seemingly proud of this "system."

In 2005 my wife went to the Eye Guys for Lasix Surgery to correct her vision problem. Financing was available for the surgery. It was provided through Well Fargo Financial. The plan was supposed to be free of any finance charges. Which is why we signed up for it. It would appear now that Wells Fargo designed the plan to make sure the principal would not be covered within the 2yr re-payment period. Resulting in our being hit with $956.00 in finance charges.

Which we were advised of when we received this months statement. Needless to say we are Irate and spoke to their customer service 800 number. They told us we should have been reading the fine print. The best they would do is cut the finance charge in half provide we paid the full amount of $1202.00 immediately. This conversation took place on August 15, 2007 the supposed end of the interest free period was August 7th. Since we NEVER missed a payment and had we known, would have gladly paid off the $700 balance rather then pay an additional $956 in unwarranted finance charges. Please take not that it was Wells Fargo who SET UP THE PAYMENTS.