Tuesday /July 20, 2010 :
We have been hassling with Wells Fargo since '2008, faxing Supervisor's with scanned documents, Certified mail even, and numerous times they request the same information sent time and time again. Trying to keep our home is extremely exhausting. In return they still are incapable of creating a resolution for us to finalize this on going matter.
How hard does one have to try to prove they wish to keep their home?

My clients, tried to refi with Wells Fargo, to no prevail..they were forced to sell their property, I had reduced the property since listing it until we had a good buyer for the property. At this time the property had fallin into foreclosure statis. We had a fully approved buyer for the property, to where Wells Fargo would have been paid in full and my clients would have received about $5000 from the sale. I requested a postponement on the Trustee Sale from Wells Fargo, so as to close this transaction and pay them in Full, all I needed was 4 more working days. Instead after many faxes to WELLS FARGO and many phone requests they ignored our requests and foreclosed anyway, however the property reverted back to Wells Fargo, and on the date of the Trustee sale, we requested that WELLS FARGO rescind the foreclosure and allow us to close the escrow, pay them in full and remove the Foreclosure off my clients credit history. WELLS FARGO foreclosed on this property because it had equity, but has allowed many to live in properties for over a year with no payments if it has no equity. My client retired from the Navy after 20 years of service, and found no JOBS in San Diego..I have struggled with WELLS FARGO on this matter for over a month, and get no respond and no help. I am tired of talking til I am Blue in the face with the idiots they have answering their phones. NONE OF THEM KNOW WHAT THEY ARE DOING. Who else can I complain to...

June 10, 2010

To whom it may concern:

I have recently had a tremendously bad experience with Wells Fargo and I do not know where else to turn except to the multiple complaint agencies and the public.

Last year the economy hit me and my partner, Joe Michael Gauna, very bad. He lost his job as an assistant educator and inadvertently caused us to fall behind in payments. Wells Fargo Home Mortgage graciously agreed to help us with a “Loan Modification.” I made my payment religiously on time every month. When I called in January to make my monthly payment, I was told that I was no longer to make any payments. My modification was canceled because I did not return some paperwork. I assured the woman I spoke to on the telephone that I did not receive anything from Wells Fargo that told me I needed to return. She understood and said she would set me up on another loan modification. She then told me about the multitude of different programs our there to include one that was instituted by the Obama Administration to ensure that consumers are not payment more than their fair share on mortgages. I requested to be reviewed for that particular modification and she agreed this would be the best for my situation, at the time. She asked me to call in about a MONTH to determine if I received a loan modification. In an effort to avoid any more late fees or delinquency I asked if I could continue to send in my payments. She respectfully said to save the money to ensure it was available for the modification. She indicated that all payments made at this time would be returned and not accepted by Wells Fargo Home Mortgage.

I called at the beginning of February and was told that my loan modification was declined because I had a Federal Tax Lien on some property. Well, I was surprised because this was the first home I had ever owned and I never had any other property. The woman I spoke to at Wells Fargo sent me a Non-Identity Affidavit to have signed and notarized by the my County Courthouse. I missed work and took it to the Courthouse immediately. They pulled the information and found the tax lien was on a different property and under a different social security number. I immediately faxed all this paperwork to Wells Fargo on February 22, 2010, and confirmed it was received with their representatives. I again waited for almost a month and was told I was declined a modification because I had a federal tax lien on my property.

Frustrated, I faxed in all my information again, confirmed it was received, and again was told to wait. I called another month later (now in April) and was told that I was denied because of my federal tax lien. I spoke with the representative for about an hour and it was determined that I indeed sent in the information proving this was not my lien on February 22, 2010, and the representative indicated they would resubmit. I waited again and then was told that my home would be foreclosed because NOW not only did I have the federal tax lien, but I also was past the acceptable amount of months you could be behind for Wells Fargo to help you.

Well, I explained this was of no fault of my own. Wells Fargo kept denying me and denying me any sort of relief. I kept calling and they kept confirming that paperwork was received but I kept getting denied. Then I was told this was my fault and I was the one who had to work with the Federal Tax office to ensure the lien was removed. Thinking ahead, I had already contacted the Federal Tax office and faxed over my paperwork on March 4, 2010. However, when I called they said it would be months before they could process anything…this was their standard procedure. Because I was met with this adversity from Wells Fargo, I called the Federal Tax office and (not) to my surprise they never received my faxed paperwork. Although I have a conformation sheet indicated the fax went through okay. I also verified the number with the Federal Tax Representative and in a very very casual way she said, “well I guess we just didn’t get it.”

So, stuck between a rock and a hard place I tried to turn for help but all the doors were closed. Who wants to get involved into a mortgage dispute at this time. NO ONE. Because I work for one of the BEST Company’s in America, I turned to them for help. The only thing I was able to do was liquidate my 401K, my future, my retirement, my life. I requested a hardship withdrawal of $30, 000.

I called the Foreclosure Attorney for Wells Fargo, Barrett, Daffin, Frappier, Turner, and Engle, LLP, and spoke to Luis. He could not have been nicer. He said he would send me a pay off quote but I needed to call Wells Fargo to take the payment of $30, 000 because I would have been short about $2, 000 which were the late fees and attorney fees. LATE FEES, I was not late! Wells Fargo would not take my money! So, I called Wells Fargo on May 20, 2010, and spoke to Jordan. He was so helpful and understanding. He called my bank to ensure the money was there and also checked with his supervisor to ensure he could make the transaction. Jordan then told me that my account would be updated and I would receive a new bill. Actually, he indicated my monthly payment would be lowered. I WAS HAPPY MY HOME WAS SAVED; or so I thought.

I called back on June 2, 2010 and was told by the Loss Mitigation department that my $30, 000 was just sitting there in what they called a SUSPENSE ACCOUNT. I explained that I was told that I was going to receive a new bill. The woman in the Loss Mitigation department indicated that my account no longer belonged in Loss Mitigation because I paid a substantial amount and she would ensure the $30, 000 was applied to my account so that I could start making monthly mortgage payments.

I called back a week later and was told that my account was in foreclosure status. I asked why and they indicated I was short about $2, 000 and needed to call the Foreclosure attorney’s office. I called the office and was told there was no notes that LUIS told me to call Wells Fargo and that I was mistaken. I was concerned about saving our home. I was making certain every detailed was followed and I even asked follow-up questions to every indicating, “ARE YOU SURE THIS IS THE PROCESS?” Everyone always assured me I was on the right path.


I have been back and fourth with Wells Fargo. I have spoken to Managers who promised to help me (Tim and Octavio) and I received no help. I actually spoke with Octavio for a very long while and he seemed genuine and said he would call me back. HE NEVER DID….ANOTHER PROMISE BROKEN. I requested to speak with Executives many time and was always told no one knew who they were but they would give me an address. I didn’t want an address…I wanted to speak to someone. I wanted someone to LISTEN TO ME! I even was transferred to a Tracy Starling Berry who was supposed to be an Executive and she didn’t even return my call.

I believe all of the actions by Wells Fargo are BAD FAITH. My $30, 000 was taken, with a promise that I would be making my regular monthly payments. I was told by the Loss Mitigation department that my account no longer needed to be in their department and I could start making my monthly payments. I was promised a call back by Octavio, a supervisor, and he NEVER called me back. I left a message for Tracy Starling Berry, who is supposed to be a leader of this organization, and I didn’t get a call back.

I have done everything everyone has asked. I am tired, depressed, lonely, scared, hurt, and out of my mind. I have not been able to interact with people normally because of this poor service. I believe I will soon lose my home because no one will listen or help.

Desperate,


Abelardo Rodriguez, Jr.
607 West Magnolia Avenue
San Antonio, TX 78212
210-771-1646

I am in the process of refinancing a mortgage I have with Wells Fargo with another bank. In order to do this, I need a payoff letter from Wells Fargo, showing the proper amount of principal and interest due them in order to close on the new loan.

I found out last week that Wells Fargo mis-applied a mortgage payment I made for the previous month showing that I owe them thousands of dollars more than I actually do.

As soon as I became aware of their error, I called customer "service". After 3 hours of speaking with a half dozen different people, I finally found my way to one of their senior supervisors who told me to fax over the cancelled check to a specific fax number.

When I called the next day to make sure it had been received, I was told that the dept. whose fax number I was given was not the right dept. and to fax it over to a different number. I did this immediately. since then I have been trying to resolve this to no avail. I was PROMISED i would have a new payoff letter this morning, then again by noon. Time has run out to get the new mortgage documents in time for closing. When it came down to the wire, the latest batch of supervisors I've spoken to claim they are powerless to do anything except "wait until the system updates" to get a payoff letter that shows the proper amount due to them.

I have a couple of choices. I can delay the closing. If I do this I will have to resubmit my financial documents and start with the approval process again. Or, I can go ahead and close with the higher payoff amount, have to pay Wells Fargo several thousand dollars more than I owe them (out of my pocket in addition to closing costs) and wait an unspecified amount of time to get back my money. Either way I lose.

How is it that banks can get away with this?

To make a long story VERY SHORT, PLEASE don't use this company! They have stolen money from us, lying saying that we owe payments when we do not. We have receipts showing full payment of everything! They will not allow us to speak to a supervisor, they said they are investigating the situation but we have never been allowed to talk to the same person twice. Each time we give them a name of a person that we spoke to previously they say that they don't know who we're talking about. We have been on hold for over an hour each time and then they cut us off without returning to the phone. IF ANYONE wants to get together a class action suit against them Let's do it!! These people are robbers!!! Contact me at [email protected]