After dealing with Wells Fargo for the past 16 months and getting denial after denial Wells Fargo FINALLY came up with their version of a loan modification.

After making my three installments of $1845.17, as requested by Wells Fargo, I was given the Loan Modification Agreement with less than 5 days to go over the terms proposed by the Wells Fargo legal staff. Furthermore I contacted Wells Fargo immediately to get a detail of the terms since my English is not very good. Wells Fargo on February 12 informed me that a letter was sent out to further explain the terms. NO LETTER arrived. And no explanation provided either.

If you look at the records, I spoke to someone at Wells Fargo nearly every day and not once did anyone mention that I had until February 18 to get the papers back or Wells Fargo will foreclose on my home. Now Wells Fargo has taken my money, time has expired and Wells Fargo has a foreclosure sale date of March 4, 2010. Now I am told this process has to start all over again if Wells Fargo does not foreclose first. Why?

I like so many do not understand how they account for overdraft charges . Even with a positive balance they said that my account overdrew the preceding pm. Without any deposits the next day I still had a positive balance . They also did not count a 500 dollar deposit that was pending. I just really don't understand . When I ask for an explanation all they did was read the checks to me that had come through my account. It is very clear to me that this bank is a true rip off. How can they get away with this. The overdraft fees amounted to $200.00

I have been working on a loan modification with wells fargo since Feb. 2009. During this time I have faxed a veritable mountain of paperwork. I have constantly followed up with confirmation phone calls making sure they didn't need anything else---all to no avail. During this period, i must have talked to at least 40 DIFFERENT reps. Also during this time frame, their CEO Mr. Stumpf has been " complaining" on business TV that he had 97Billion dollars to lend from the government. Guess he'd rather draw interest on this money rather than loan it to people who've never defaulted and had an 800 credit score before the market went south. I guess they'd rather take a 200k hit than to lower the interest rate. Doesn't make good business sense to me to be so greedy.

In Oct of 2009 we recieved a statement for Wells Fargo. We were never notified that our mortgage was sold to them. When I called to find out what was going on I was advised that everything from our previous mortgage carried over to their company and that nothing would change, payment due date the 1st but we had until the 16th just like the last mortgage. The girl set me up online to make payments and view our statements. So then the phone calls started looking for our payment I was told that our payments were late, though on the statement it stated that after the 16th you make this payment. The representives calling were very RUDE over the phone. A month or so later after being with Wells Fargo they called me on a Sunday looking for the payment I told the girl that it would be paid by the 16th and stated that I have NEVER been late with any mortgage payments or any other bills. This representive stated to me "we did not ask you to come to our company" I was stunned at first and then I fired back at her that "first off we were never notified that are mortgage was being switched to your company so it is I that never asked to come to YOUR company". They call sometimes three times a day requesting a payment. I have our bills figured out every two weeks for our pay checks so depending how our bills fall I have to jocky bills around but they still get paid every month by the dead line. I have never had a company call me harrassing me for a payment before especially when it is truely not late and I am within the time frame of paying it. I feel really bad for people that do have trouble make payments. They were even sending emails stating that my payment was due even after I paid the bill and it was already posted to my checking. I have been with this company now for 4-5 months and I would not recommend anyone to take a mortage out through them. We are going to start looking to refinance our home though we do not want to just to get away from them. I could see if I was a month or two behind on our mortgage but when it get's paid every month and they still call hounding for the money right then and there is very poor service

I was approved for a visa card by wellsfargo bank. The way I was explained was that the visa card also could be used as a overdraft protection. Sounds great for someone like me who could use some help being more organized when it comes to finances, right? WRONG. I was encouraged by a wells fargo associate that I should take advantage of paying off high interest accounts using my visa since the interest rate was so reasonable. So I did. Next thing I know, my interest rate went up so much. Their explanation was that" I have a high balance" no s... they had just told me to use the to pay off my other credit cards off using the visa. Oh yes also I guess three years ago I was late paying my macy's account one time was another reason for wells fargo to raise my interest rate. Funny, Macy didn't. After they did all that, when I went to one of their branch, the teller tells me that my my outstanding status with them makes me eligible for for something special called PMA. Are you kidding me ? You just jacked up my interest rate for not being your ideal customer. They just want to rip off people like me because people with lots of money are smart enough not to bank with someone like wells fargo.