My story is so similar to everyone who assumed wells Fargo new anything about fair practic act.
Got fired
got behind
asked for modification
they asked for insurance claims
and paid the taxes you see they knew they wanted this home
they asked for the same paper over a year.
sold my home after saying we are going to do everything to keep you in your home

blah blah blah.

foreclosed after not missing a payment for over ten years

paying extra on the loan almost each month
paying when we did not even live in the home
for over a year due to a fire.
Now what I need to know is what is the note. and how do i find out who really owns the note. My original loan was with wamu.

I was a Wachovia customer, happy enough truthfully no complaints. I have an overdraft protection on my checking account, this way if I overdraw the overdraft protection kicks in. For many many years I have had this, if I knew I was running into issues, I would transfer money from my overdraft protection to cover checks, usually would only need it for a few days and then I would transfer it back and pay the overdraft account back. The fee for this was $10.00, if I did not pay back within a few days I would be charged similar to a credit card a percentage rate per day, so it made sense to me to pay it back within a few days. Now that Wachovia is now Wells Fargo I continued to work with my bank account in the same manner, I would transfer money when I thought there would be an issue and transfer it back within days. Wells Fargo all of a sudden now considers this a cash advance with a $250.00 fee to do so. When I called to complain I was told I was informed of this and nothing can or would be done. I had the money overdraft protection money for two days and then it was paid back, they didn't care and when I told them I would move to another bank they didn't care about this either. Once I use up my checks that I just paid for I will definitely move to another bank, who wants to do business with thieves!!!

I got a 203K home loan through WF. It has been a nightmare from day one! My real estate agent, lawyer, and contractor had NEVER experienced such a difficult and lengthy closing. I closed over a month later than promised. After we got the "clear to close", they decided they still needed more information. At first I was told I would have 6 months to complete my project but after I closed I was told 3 months and the paperwork I signed ended up saying 4 months. I guess that part was my own "bad" because I probably should have read everything more thoroughly. Well, it took over 2 weeks to get the initial portion of the money I was supposed to get at my closing, they never gave me my second installment and now I got a letter saying that I did not follow the terms of the loan and they will foreclose on me. I am beyond frustrated with the rude, disrespectful, and anything but helpful disbursement specialists who seemingly go out of their way to make things harder. When you're renovating your first home, you need support. Not people making things more difficult. I asked to work with a more respectful agent and got no where. They have made so many mistakes and so many aspects of this process have "slipped through the cracks" and been covered up, its ridiculous. I would NEVER recommend working with WF. An employee of WF told me she refers her friends and family elsewhere due to the practices she has witnessed.

I sold my car to a private party and received a cashier's check for $13, 000 drawn on a Wells Fargo account. Before the check could be deposited (within 2 hours) it was lost. I immediately notified the buyer (who has the account at Wells Fargo) and he immediately notified Wells Fargo (within 4 hours) The two of us went to Wells Fargo to discuss the situation with the bank manager. This is where my saga begins.

We were told that the buyer (I'll call him Joe) could purchase a security bond at Wells Fargo (WF) for 2% of the check value ($262) and WF would immediately reissue the check. "The Hartford" is the institution issuing the security bond. Joe needed to acquire the security bond since he had the account at WF. I paid $262 to Joe (after all, it was my fault) and he filled out paperwork and purchased the bond.

Several days passed. No word from anyone. I asked Joe about the status. Joe became alarmed when he studied the fine print from the Hartford regarding the bond. He freaked out when he interpreted the verbiage to say the HE was liable for the $13, 000 if the lost check was cashed. This is not what we were told by WF.

Joe and I went to another WF branch (where I have more confidence) and asked the questions. The personal banking representaive was helpful, knowledgeable and very attentive...even though this wasn't 'his' problem. Although he was careful not to step on toes of the first WF bank, the loan officer had the personal opinion that the check should have been reissued by now and that the security bond protected Joe in cash the lost check was cashed. He checked and discovered that the $13, 000 check had NOT been reissued and the the $262 payment for the security bond had NOT been cashed. We had received no information from the originating WF branch. Joe was not satisfied and kept pushing and asking to see written documents that explained liability in cash the lost check was cashed. The 'good' WF branch also determined that a 'do not pay' order had been issued for the lost check.

At the bottom of the paperwork was a contact phone number for the Hartford and I called them. (what a novel idea :-) )O ONE at WF had contacted the Hartford for clarification or for information on paperwork required, review and approval criteria or how the process worked.

These are the FACTS that I discovered -- and are contradictory to the information we were given by WF. Via the Hartford's phone number, there was a recorded message with an detailed description of the steps that needed to be followed. Apparently WF was unaware.
1) The security bond protects WF, not Joe. 2) The security bond enables WF to cut another check quickly, thats ALL IT DOES. However if the first, lost check, is found and cashed, Joe is liable for reimbursing WF The $262 payment allows the new check to be issued-- nothing more. 3) the Paperwork to request the security bond should have included Joe's financial statement (it did not). The Hartford requires Joe to have 2x the value of the security bond in his account for them to 'authorize' the bond. He does not so the Hartford would have never approved the security bond. 4) the paperwork should have been faxed to the Hartford for an immediate decision -- THEN, if approved, we would pay the $262.00. (it was sent hardcopy mail). 4) The Hartford's representative called me and explained the process. (Thank you) Apparently Joe is liable to WF for the 'lost check' for a specified period of time -- one person said 90 days another said 6 months. (I need to get accurate information on this.) ANYONE can purchase the security bond -- not only the person with the account at WF or the person who initiated the first check...and a number of institutions offer them. The only true requirement is that WF accept it.

So, after two weeks and a lot of frustration, I am back at square one and have absolutely no confidence in any information from WF. I have the choice of spending $262 to get a check reissued, but Joe is liable for the $13000 for a period of time. WF has issued a 'do not pay' notice for the lost check -- but they guarantee nothing. Apparently they don't believe in their own processes.

SO, the bottom line is this -- sweet and simple. If you lose a cashier's check you can consider the money lost until some unknown time-frame passes. Even though a 'do not pay' notice is issued by the bank, even though you purchase a security bond, and even though you can get a new check issues within a few days/weeks. ...you cannot be sure that the lost check is truly dead for a long time.

Now I need to find out what is needed to cause the check to be reissued after the unknown time period passes. Please pray for me in getting accurate information from Wells Fargo.

And, yes, I've learned my lesson about being careless. And, yes, I am thankful that it is possible that I might be able to recover the money.

After getting my mortgage in 1982, I have never had one late payment. The mortgage is paid up to date and I have excellent credit scores. Due to loss of my job, now at a lower income, I tried for a HAMP modification. After calling W.F. over 100 times, and sending all the required documents, I was denied a modification. Then about one week ago, WELLS FARGO calls and tells me that they reviewed my info, will reduce my 7.2% APR to 4.25, and modify my loan. So I call the W.F. mortgage officer who then tells me it was all a mistake. WELLS FARGO has been the absolute WORST company I have ever dealt with. Customer service is unbelievably POOR. WORST COMPANY I HAVE EVER SEEN!!! I would encourage anyone to stay clear of WELLS FARGO!! TERRIBLE-TERRIBLE BANK--NO CUSTOMER SERVICE--COMPLETE LIARS!!