Wells Fargo
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Category: Business & Finances
Contact Information
Angola, Indiana, United States
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Wells Fargo Reviews
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January 29, 2008
Withdrew checking funds to pay credit card!
Wells Fargo credit card division took my minimum monthly payment out of my checking account without my authorization on the day my payment was due. I was paying with my check every month. Isn't this fraud...
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December 11, 2007
Credit card rewards ripoff!
Every time you use your Wells Fargo credit card, you collect points per every dollar spent. These point can later on be used to redeem gift cards and other items as well as for travel related things as hotel nights, flights etc. I ordered gift cards for a total of 16,500 points. The total value of this is appr. $165. After a couple of weeks the letter came. However, the only items in this letter was a packing slip stating what I ordered and a black piece of paper with the note 'Congratulations! Here's Your Rewards. Have Fun'.
I understood that something was not right so I called them up immediately to report that I did not get any gift cards. The woman on the phone could not do anything (as always when you call a company now a days), but had to send it to her managers for investigation.
The story is also that the envelope to the letter had a slit on the side. I assume some under paid worker at either Wells Fargo or the postal office must have found a way to make some extra Christmas money. The managers have now been calling me every 48h to tell me that they are working on it. However, I think in this case I have not done anything wrong. Why should I be punished for this and not receive my cards until they have solved their problem.
I would assume in this case they should send me my replacement cards immediately and then take care of their internal problems later on. Until I have received the letter with the gift cards the problem is completely on their side. They have to deal with the postal service if they believe that someone there have stolen them. I should not be involved in that process and get my ordered items delayed or even refused.
Until I see these gift cards in my mail box I assume they are not willing to send me my replacement cards and they totally ripped me off of these. I have now switched to use another banks credit cards and I will payoff my Wells Fargo credit cards and then probably close that account and totally quit all my personal banking with Wells Fargo.
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December 11, 2007
Sherrif sale!
I purchased a home on a land contract back in March 2006. At that time there was no lens on the house except the one I had from my company I was buying my home. I found an investor or so I thought that lowered my interest rate. I paid him $22,000 up front and house payments, kept insurance on the home and did a lot of maintenance. I found out about February of 2007 that the house was being foreclosed on by Wells Fargo who had gotten Home Eq to service the loan. We constantly called Home Eq, Wells Fargo and their attorneys who refused to tell us anything regarding the loan that we had no idea about. In October we finally got Power of Attorney so we could talk. We tried to get a loan to buy the house but they were asking more than what it was worth. So we had to put more money in the house so it would appraise higher. We did that but because of the time it took to get the house to appraise higher they now state it is over the 30 days and they are not giving us any more time. As of yesterday a Sheriff showed up at my door for a sheriff sale for 1/9/08 at 10am. Yet we were almost done with the loan before christmas. The house is deeded in our name and they are lein holders. We've asked them to work with us as we have 4 children and no where to go. I'm afraid we will loose our children for being homeless and having nobody to go to. We have begged them to work with us and they keep saying we will see you in court. They have the attorneys and all we have is our children and paper work. Who do you think will win? Certainly not the people who did nothing wrong. Their is no holiday spirit out there anymore. Banks are out there to take advantage of the innocent people. In the time that they have been attacking us and trying to throw a family of 6 out of their home they could be prosecuting the guy who took the loan out on the house in the first place and scammed people. That would be the appropriate and right thing to do instead of hurting people who have done nothing wrong but have begged and pleaded for the bank to work with us. We are still wanting help and are still willing to pay for our home.
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December 7, 2007
WELLS FARGO LIED ABOUT MY CREDIT SCORE AND MY WHOLE LOAN
About 2 years ago, my mom and I bought a house together. She also co-signed for a new car for me in 2005. Last Sept. my mom when to Wells Fargo and applied for a mortgage loan so she could get the house out of my name. Due to the fact that her debt to income ratio was off, Wells fargo contacted me about financing my car that my mom co-signed for into just my name. I applied for the loan and got approved. When my husband and I went in to go over the details of the loan, it came out that the interest rate was 19.99%. When I asked why they told me that my credit score was only 480 and I couldn't get a lower interest rate. I asked to see a copy of my credit report and he told me that he was unable to show me due to Wells Fargo policies. When my husband and I were about to turn down the loan and leave, the loan officer said that if i didn't take the loan there was no way for them to get my mom's house into just her name. A couple of days after signing the loan, I was notified that they were unable to get my mother approved and that I was going to be stuck with the house plus a 19.99% interest rate. A year has gone by and I recently looked at my credit score and realized that it has gone up about 150 points. I decided to call Wells fargo and ask them what my credit score was when I got approved a year ago. One of the loan officers told me it was 645, another loan officer told me it was 680, and then the manager said it was 580. Whatever it may be, it was no where near 480 like I was told. A loan officer also told me my interest rate was because of how much negative equity I have financed. He also went on to say that my loan was approved on the fact that they were able to finance my mom's house out of my name. In my opinion, my whole loan is a lie and based on false information. I would have NEVER signed the loan for 19.99% when my orginal loan was only for 11%, if I was told the truth about the details of my loan. After researching complaints about Wells Fargo online, I have found that there are many other people that were told that their credit score was low was it really wasn't!
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November 7, 2007
Hell company
We have been paying on our truck for the last 3 years and the last year has been hell. They keep saying we are behind and we have payed them up to date. I don't see how they can get away with this it's like they are taking our money and putting it in there own packets! We need our transportation to get back and forth to work. (just to pay them) it seams to me that if the government was so worried about everyone losing the houses and cars they would put a stop to bad business like this one. Wells fargo is supposed to be the biggest loan for everything place. How can they stay in business like this? kenneth higgs jr.
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November 6, 2007
Like talking to a wall...
Wells Fargo - www.wellsfargo.com
Went to my local branch today to try and straighten out a CC mess (on a no interest for 12 month Visa). Branch manager was on the phone to card services (I assume) who informed him (& myself) of the problem (the good news is that both of us think this is downright screwy).
It seems there is a 5 day window in which to pay the bill. Bills paid before are credited to the previous month; bills paid after, are late. Looking over my account, it seems I paid one too early (thus, no payment the next month since the two paid payments went on the same month). I was advised to move the payment date. I did; which resulted in being one day late with the payment (as the 5 day window moves depending on the number of days in the month or maybe the moon cycle who the hell really knows!)
I was told (last month) that if I rushed right down to the local branch and paid $174 to bring account current, then all this would be straightened out. Although skeptical, I complied. Imagine my surprise this month to find I am again in arrears. Seems like the $174 was really not a payment, the late charge wasnt taken off until after the next payment, and, (since there was a late charge added on) I was $39 short on my payment. And (you really gotta love this) If I would rush right down to the local branch and pay $121 (they gave me all day to do this how %^&^%!!! generous) then everything would be just hunky-dory in Wells Fargo land.
Ugh.. forgive me for the profanity but BULLSH**. I aint falling for this again scooter! When they screw up my credit... I'm going to find a rabid lawyer! (I've got all my receipts)
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October 20, 2007
charges
every month for the past 4-5 monthes you have been taking about 13 dollars and i would like that to stop and to be reinbersted otherwise i will press charges i did not give anybody permission so technicly that is stealing
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October 20, 2007
Home mortgage and bank account
we have a mortgage with wells fargo. The payment went up in the first year. When it went up again in the 2nd year I ask for help with this payment as they had told me it was because of escrow. Our taxes and ins had not gone up. They told me to not make the payment but hold on to it because they would redo our loan and get this back on track. After numerous calls to their customer service center and after receiving foreclosure notices they redid our loan at an even higher rate and more interest. When I tried to refinance through another company they told me that because of wells fargo "bad credit" they could not. If wells fargo would remove this as a bad mark they could. When I called wells fargo to ask them to remove they said that they could not because we had the option to pay in full. We have struggled along with this high payment and they have had to redo our loan again because of it. I am scared to see what the high payment will be this time.
Also we have a checking account with them... dumb move huh. I forgot to write an auto payment down and it was for approx$100. Because of this after several checks have went through there is over $1000.00 in service fees and it has taken 3 of my paychecks to cover them. Who can live without a paycheck. Wells Fargo will not let me close my account without letting me bring it current and they will not work with me on this either. They say I could get a personal line of credit and then they will put it into my acct and then i can make monthly pmts on this. Then they call back to say this is not approved... bad credit... probably from the mortgage deal. They have not helped at all but put me farther in debt. Probably bankruptcy is the answer then they will not be able to have me pay any thing back.
Through the process of all this they did give me approval on a personal line of credit -which was defaulted on- for $11,000.000 and also a $2000.00 credit card... Now why would they allow that. They have terrible customer service. Any suggestions would help. I dont' want anything out of them but to go away and I am doing my banking elsewhere.
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October 15, 2007
Wells Fargo stole my house!
Wells Fargo - www.wellsfargo.com
Back in Nov 2006 the phone calls started, saying that I did not pay my mortgage, as the person on the other end told me this I laughed, well apparently this was no laughing matter. I did pay my mortgage and I even have proof that I paid my mortgage; however they said that they never got payment. I faxed them proof, I spoke to managers, I did everything I could. They said that they would investigate this matter and get back to me. In the mean time the phone calls did NOT stop. Every day they would call, 'Where is your payment?' i would tell them go speak to your manager as I have spoken to them and they said they are investigating the matter.
The phone calls got worst, sometime up to 6 or 7 times a day, it got to the point where I did not want to answer my own phone.
Dec 2006 and now they said I never paid Dec payment either. However again I had proof saying that I did. I went through the same thing again however now they are saying that I am two months behind. I faxed information showing that I paid; they said that they would investigate the matter again.
Jan 2006 and it happened again, this went on from Nov 2006 to Oct 2007. I called Wells Fargo and yelled at them and said you need to find out where my money is going. I have proof several times saying that I have paid yet they kept saying that never received payment.
So I decided to go refinance my house with a different company and get them off my back. Well When I did that, Wells Fargo decided to start legal action to take my house. So when I asked for a final payout from Wells Fargo they said that i owed $230,000.00 on house that was valued at $210,000.00. The new company that was willing to give me a mortgage only approved me for $217,000.00. So I was short $13,000.00. I asked Wells Fargo to please drop some of the interest charges and lawyer fees and they said, 'No'
I did everything in my power to try to get the difference, I could not. Wells Fargo foreclosed on my house as of Oct 10th 2007 and now my 6 year old son, my 9 year old son and my wife and I are homeless.
My kids don't understand what happened, and they keep asking me to try to explain to them what happened, how do you explain to a 6 year boy why he is homeless? We where at the store yesterday buying some bread and my son saw a hot wheels car and asked me I could buy it for him and I had to say no because I have to save every last dime so I can try and find some where else to live. You know whet my son turned to me and said, 'oh yeah I forgot we can't buy anything any more because we are poor.' It broke my heart when he said that, I'm not poor, I'm just homeless.
Thanks Wells Fargo, and you know if i could I would you really foul language while writing this email however if I did that it probably wouldn't get posted. But I will keep it clean so that everyone knows what kind of company you really are.
Wells Fargo, I wouldn't recommend you to anyone on earth even if you where the last financial company on earth.
Michael
Homeless, Ontario
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October 12, 2007
Poor service!
Wells Fargo wasn't even the company the lease was originally with. I have been stuck with an exorbitant lease for 72 months. I have paid more than double the value of the vehicle already and now this company wants another $4000.00 at the end of the contract (including taxes, which I have already paid every month). I tried several times during this torturous lease to ask them to repossess the vehicle, but they refused. They threatened to sue me if I took it back to the dealership. This lease wasn't even signed by the dealership. Originally , it was with Trans Canada Credit, and then one fine day, I received a statement from Wells Fargo, who I never dealt with in the first place. They have been hounding me ever since. I have paid because they keep threatening me, however the final straw is this $4000.00 they want at the end of the lease. The car isn't even worth that much and I have already paid $30 000.00 for a $15, 000.00 car. Thanks for reading this!
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