I have been trying to get my money out of my wells fargo account into my south african account since June 2009. It is now November 2009 and all I get told is 'Im sorry for the inconvenience' I dont even know what to do anymore...its my money and I cant even access it...Im from SOUTH AFRICA!!! you would think we the 3rd world country here...our banking system is 1st world and they laugh when I tell them my story. I could write a book on the many ways I have tried getting my OWN money HOME!!! I dont know what to do from here...

I am in real estate, and from professional and personal experience, I can tell you that Wells Fargo is NOT here to help those who want to refinance or modify their loans. I've read many of the complaints, and they are all too familiar. My husband and I have a small business, and we have been trying to modify our home loan since March of 2009. Instead of putting us into the HAMP program, for which we qualified, they gave us a 6-month forbearance (no skin off their backs, just a delay in the inevitable!). Finally, in September, they told us that we qualified for the HAMP program and gave us documentation to fill out. Mind you, my husband and I had close to an 800 credit score until we ran into trouble with our business. Our income was literally cut in half. Our present mortgage payment does not include Insurance and Escrow, so when their processing department went over our financial figures, they said that we were right where we needed to be (mortgage payment 31% of Net Income). However, our housing payment is 45% of our Net Income. I just found a Loophole in the HAMP qualification process: if your home insurance and property taxes are NOT escrowed in your mortgage payment, Wells Fargo will use Principal and Interest only to figure whether or not one qualifies. Furthermore, when I spoke to the SIGTARP representative, I found out that all we have on the government end is a 'toothless tiger', as they are not in a position to do anything to the Loan Servicer. In the meantime, we keep getting conflicting letters from different offices Wells Fargo has around the country. One letter states that we have not been in any contact with them, another states that they have received our info and are getting ready to help us, and yet another letter says that we owe them 4 months worth of mortgage payments and they need a cashier's check by November 10, 2009, or they will accelerate our mortgage. So, what did we do? I wrote letters to President Obama, SIGTARP, FOX 4 NEWS, and WELLS FARGO. My gut tells me that our situation will fall on deaf ears, but my husband and I have decided that we can not let this situation affect our health, which it already has for me. Worst case scenario, I'll be moving back home with mom at age 42. Fortunately, we have a good family who will not let us live in the street.

I recently contacted wells fargo about getting a home loan for an investment property. Me and My wife were approved for the process and began paying appraisals and inspections and what not it came down to the last few weeks before closing and they said they couldent close because we had cash for the closing and 20 percent down.. I dont know but this seems like and unfair and illegal tactic that should be dealt with accordingly .. I had cash so I wasnt allowed to get a loan... These banks are nothing but scamers...

Car Purchased: 2003 Toyota Hylander When: September, 2005 Cost of the Vehicle at time of purchase ( cost + interest of 16%, approx. $43, 000.00 Duration: 72 Months I purchased this vehicle, with no money down, just my trade in Monthly Payments: $602.00 per month Warranty on the Hylander: 2000 miles or 3 months warranty Traded in at time of purchase a 2000 Chevrolet Malibu Cost Reminding on Vehicle at time of trade in: Approx. $10, 000.00 Length of time paying on this vehicle: 3 years How many late payments. 0 Reason for trade in of this vehicle, Fuel pump replacement costing over $300.00 dollars. Just one week prior to having this work done on this vehicle I had this vehicle serviced for the same problem in Orlando, FL. Cost: $300.00 paid with a credit card. The Fuel pump was under warranty but only where I had the work done at. I did not have any more money so I traded in this vehicle on the Toyota. My 2000 Malibu was a good running car and I know it was sold by Coggin Nissan at the Avenues for probably the same amount that it was traded in for. Yet I did not receive any money for this vehicle. When I called, several days later and spoke with one of the finance managers at Coggin Nissan at the Avenues on Phillips Hwy in Jacksonville, FL, and asked what happened to my old vehicle, they said they auctioned it off. I felt trapped, because I needed a car to go back and forth, I felt I should have been there while they were negotiating the price of my vehicle. My credit score at that time was average, and I had paid on the old car for three years, without missing any payments, I feel my interest rate should have been much lower than 16%.

Wells Fargo, sent me a payment book and which says my payments end in 60 months, but they're saying I have another year which will make it 72 months. The car had only 2000 miles warranty, I feel with this sort of payment I should not have to worry about fixing the car. I am a black single paren't, living from pay check to pay check, I would like an attorney to please advise me on an outcome for my situation. When I’ve tried to trade in this vehicle Iam told I owe to much on the vehicle and it can not be traded in, and if it does I would still have an extremely high car note.

Damage Resulting
I'm in a what they call a upside down situation, owed more on this vehicle than what it's worth. A car salesman told me the other day, the car is only worth $10, 000 dollars right now, and I owe payoff only $25, 000, and if I pay until the end of term, it's much more at 602.00 per month at a 16% interest rate, much to high, when I was making my payments on my old vehicle on time and had at that time a pretty good credit score.

The car that I've purchased with Coggin Nissan and is financing through Wells Fargo for 72 months, with no warranty except for 2000 miles, can not be traded in because I'm in what you call a upside down situation, amount owed on the vehicle now is more than the car is worth. Car is worth approx $10, 000 and I owe if payoff now, $25, 000.00 if I wait until the end of the term I'll would have paid them $43, 000.00 for a 2003 Hylander that I purchased when it was 2 years old with 47 thousand miles on it.

I have a mortgage through Wells Fargo (they purchased my mortgage from the original lender - typical). I have never recieved a payment coupon book, and my bill always arrives after the date that I owe a late fee and, if you do not have a checking account through them, you cannot pay on line. I made a complaint on line and they replied that in order to read their response, I need to set up an online account, which I can't do because I don't have a bank account with them. Wow, way to make it as hard as possible to pay my bill on time. With my experience with Wells Fargo, why would I want to put my money into their bank? Especially since I am very happy with my current bank (USAA rocks!). Well, they'll never see a late fee from me. Nice try, Wells Fargo, but you'll just have to recieve my check without an attached payment coupon. Hopefully they will actually read the account # at the bottom of the check.