Wells Fargo Foreclosure

dimoseley 3 years ago

Very good article, like it so much!

dennishub8 3 years ago

This article give an indication how Wells Fargo should be contacted when you are facing forclosure

Ms. Davis 2 years ago

I have been trying to keep my house from foreclosure. I am trying to do a short sale. I have a buyer that is already approve but wells fargo is not honoring the agreed contract. My house is going to go into foreclosure.

Molly 2 years ago

I started a loan modificaton with Wells Fargo Home Mortgage in April 2009 and now it is December 2009. They just notified me I do not qualify. It took this damn company 8 months and many telephone calls, letter and faxes. I am now going to take the house and ram it up their you know what.

I Hate Wells 2 years ago

Wells Fargo are criminals. It took them over a year to process a modification and what they offered is actually worse than the mortgage. I accepted because my credit is ruined from the year wait and no one would rent me an appartment. Three months into the agreement they simple change their minds. I'm serious. They simply said the mod was nullified and they are proceeding with forclosure.

Ezekiel 2 years ago

The Wells Fargo Mitigation Department engages in deceptive practices and I'm documenting every step. We need protection

Andrew 2 years ago

I have been involved in, firsthand, Wells Fargo's deceptive Loss Mitigation Dept. They actually transferred me to a woman claimed to be a senior representative in the loss mitigation department. After speaking with her for 10 minutes and getting nowhere, I asked to speak with her superior. Come to find out she works in the Call Center...nothing to do with loss mitigation. If that's not deceptive then I don't know what is. Is there a class action law suit against these people yet???? There should be!!!!!

Deserea 2 years ago

We have been in the process of getting a loan modification for 2 months and they came back saying we were approved, but the mod. would up the amount of our loan and our monthly payment. I called them to question them on exactly how this was going to help my family when we couldn't afford what we have now and they had no answer for me. At this point I don't care if I loose the home.

D marcil 2 years ago

I have been trying to get a loan modification for a year after dealing with 5 different people and submitting paperwork 5 separate times, They offered me a 3month break in payments but at the end of 3 months I have to make it up with a balloon payment. A total joke now they can have this house that I owe more than it is worth. I'm walking!!!!!

Millie Mae 2 years ago

Wow, why do I find it shocking to read about what good people are going through with Wells Fargo? I am also facing foreclosure and will likely lose my home. I was sent a Motion for Summary Judgement this week and of course panicked. I have been upfront and proactive from the day I lost my job - I called WF to inform them and asked for options since I knew I would have to default on my loan until I found a job. I provided all documents they requested and after 3 months of nonpayment..bam! A lawsuit was at my door. I just hung up the phone with WF and they claim that Freddie Mac is reviewing my info for possible modification. Really? How am I to trust that after ready all of these posts? There are additional postings on ehow after the same WF artice was posted. They are attempting to put out good "PR" but it is backfiring on them. In the article WF claims that they will possibly lower the principle on loans; however, I just asked the mitigation dept that question and she said "no, they will not."

So should I just start packing and move?? Has anyone had a good experience in working out an option with WF??????

GracieLou 2 years ago

We too have had issues with WF during a loan mod process. We submitted all the paperwork they asked for. Never heard from them. Every time you call you get a new person who has no idea what you are talking about. Three months later we come to find out, they are foreclosing on our house! Too bad they joke is on them, due to our state law, our first mortgage holder has all rights to the property as WF is an equity loan and even if the property goes to sale, they can't do a thing about it! I would not recommend WF for anytime of personal banking unless you are rich!

heather smith 2 years ago

I don't think I have the time to post all the bad things that happend to my family during foreclosing but this is for the last comment and I hope you read this. My state has the same law as you do. We also had a equity loan with WF, it was only 21,000 and they expected us to pay it after the sale of our house was said and done. THEY TOOK US TO COURT, we had to get a lawyer. Becareful because they will take you to court for the equity loan. We live in NC which is a state that they can not come after you if you losse your house. BUT THEY CAN AND WILL COME AFTER YOU FOR THE EQUITY LOAN, it is not protected by that law.

WF IS CRIMINAL!!!!! 2 years ago

We started the mod process in June 2008 ... yes 2008. This bank has NO regard for you or your family. We have sent them every doc. they requested (OVER AND OVER). DESPITE your rise in blood pressure, you need to stay all over them!!!! Just today I spoke with equity regarding docs I faxed on 4/26/10 I wanted an update as of their progress .... their answer .... WE DON'T HAVE THE DOCS YET.... even though I've got the fax log and all went thru. Amazingly enough ... they found my docs and now they will rush my docs thru ... it will take 2-3 more weeks (ya right) meanwhile I'm getting default letters and sale dates posted outside my house. OVER THE LAST 2 YEARS .... NO ONE AT WELLS FARGO could give a shit. They will bailed out by our government and their insurance policy. WF is criminal ... and I would LOVE to sue their asses!

Skip 2 years ago

WF sucks donky @#%%@#%'s. Do not trust them. I've been through this since Feb. 2008. Have been lied to and mis informed over and over. The joke is on them. My house is worth a third of what I owe and is going less and less every day. I'm hoping a friend or family member will buy it at the foreclosure sale and sell it to me. HA! HA! WF.

Amberley1 2 years ago

I cannot believe there are so many of us that have had problems with Wells Fargo. I feel so bad for everyone. It has been over a year for me, they have lost paperwork, and made a serious error in calculating my income almost doubling it. When I brought this to their attention they said I would have to start over and resubmit, which I did, twice. They admitted it was their fault but they said because it was so long now I would have to resubmit my paperwork again,it is a vicious circle, by the time they get to reviewing my paperwork too much time has gone by...and I have to resubmit again. The end result of this, I was denied because they never corrected the error. My payment is now much larger than when I first started applying for this thing and I am headed for foreclosure. They have also done some things without my permission, like mess around with my house taxes before I ever agreed to a trial program. So my question is, there are so many of us how do we start a class action suit? Maybe there is one already one going? Does anyone know?

WF*SUKS 24 months ago

FIRST LET ME SAY IM SORRY AND I FEEL THE PAIN ALL AVE EXP. WITH THIS B.S FUC*ING W/F LOSS MITIGATION LOAN MODIFICATION LIE. I FIRST APPLIED FOR IN IN SEPT.06 YES 2006 LIKE A PREVIOUS WRITER SAID I WAS APPROVED FOR IT ONLY AFTER 7 MOTHES I HAD TO MAKE 3 MOTHLY PAYMETS AND THE MODIFICATION WOULD BE IN AFFECT**HAAAAA SO I THOUGHT I WAS WRONG AGIN THEY SENT ME LETTER SAYING MODIFICATION WAS NULLIFIED AND I WILL HAVE TO REAPPLY SHHHEEESSHH O.K WHAT ELSE CAN I DO MIND YOU NOW MY BACK PAYMENTS ARE COUNTINUING TO ESCALATE SO ANYWAY I COMPLY AND SEND IN HARDSHIP LETTER MONTHLY BILL AN SO ON IM SURE YOU ALL ARE FAMILIAR WITH THE B.S THIS TIME IM COUNTINUE TO CALL ON WEEKLY BASES GETTING THE RUN AROUND OH ITS UNDER REVIEW NO DESISION YET WE WILL CALL YOU BACK YADAYADA YADA.. THE MOTHES GO BY AND WHAT ELSE YES MY BACK PAYMENTS COUNTIUE TO MOUNT I CALL THEY AND ASK IF IT IS AT ALL POSSIBLE TO SEND PAYMENTS IN IF ANYTHING TO SIT IN ESCROW SO I CAN MAYBE SUM HOW BALANCE AREARS AND DO YOU KNOW AND THIS IS NO LIE THE WELLS FARGO LOSS MIT. REP ASK WHY WOULD I DO THAT WE ARE NOT CALLING YOU DONT WORRY ABOUT IT LIVE MORTGAGE FREE BASICALLY WHATTTT? YES THAT WAS MY RESPONCE TOTALLY CRAZY I NO.. SO NOW IM AT A POINT WHERE I DONT KNOW WHERE TO TURN IM GETTING ABSOLUTLY NO HELP FROM WF AND DONT N O WHAT TO DO LIKE MANY OF YOU IM SURE U JUST COUNTINUED TO MAKE WHAT U COULD OF THIS RUN AROUND GAME I FINALLY GOT REPONCE FROM THEM AND WHAT DO YOU KNO OH YEAH I WOULD AGIN HAVE TO RESUBMIT MY YES YOU GOT UP TO DATE DOCS A CERTAIN TIME FRAME HAS PASSED AND NO THE PROCESS HAS TO BE REPEATED ERRRRRR.... TO JUMP A LIL FORWARD MAY2 2010 I WAS TOLD TO SUBMIT AGIN LIKE B4 COMPLY WITH THE B.S AND WHAT DO YOU KNOW I GET A REPLY DDEENNIEED DENIED DENID*** FIRST AFTER GETTING OVER SHOCK OF ACTUALLY GETTING A LEGITMATE RESPONCE NOW I NEEDED TO KNOW WHY THE MODIFICATION WAS DENIED SO I START WITH THE PHONE CALLS** LOAN NUMBER LAST FOUR OF SOCIAL PROPERTY ADDRESSS ZIP DO I OCCUPY RESIDYADAYADAYADA WELL WHAT THE TOLD ME WAS MR***** YOUR MOD. WAS DENIED TO TIME MY LOAN WAS IN AREARS AND AMOUNT OWED ON BACK PAYMENTS I TRIED TO EXPLAIN TO THEM THEY ARE THE FU*ING REASON IF YOUR COMPANY WASSNT A SCAM SHAFT THEN LOAN WOULD HAVE BEEN CURRENT ITS JUST SAID HOW THEY STRING US ALONG ONLY TO GET US TO A POINT WHERE THEY THE FORCLISE ON OR PROPERTY THEY SAID THERE IS NOTHING THEY CAN DO BUT THE WILL GIVE ME OPTION OF SHORT SALE SO AFTER 4 YEARS AND BUNCH GRAY HAIR LATER IM NOW AT THE POINT OF WHAT TO DO JUST WALK AWAY ARE GO AHEAD WITH SHORT SALE IF ANYONE HAS ANY KINDA OF HELP PLEASE LET ME KNOW AND IF YOU HAVE BEEEN THREW A SIM. SIT. WITH W/F IM AM TRUELY SORRY THE SHOULD BE HEL LIABLE FOR THERE ACTIONS

WF*SUKS 24 months ago

OH YES FORGIVE ME FOR THE SPELLING ERRORS ITS A BIT LATE AND IM FRUSTRATED ANYONE KNOW OF CLASS ACTION LET ME KNOW PLEASE

Katrie 23 months ago

WellFargo is not in the business of helping anyone. Don't give them one dime! They'll lie and say anything to collect. It's fraud and with all the complaints I can't understand how they can deliberatley deceive people.

Melissa 23 months ago

All of these comments are true. Not only is WF slimy, sleazy and unethical but they are a disgrace to their shareholders and bad at business. They have lost so much money with their tactics. I can guarantee you with 100% certainty that I was ready, willing and able to make payments on 4 loans with them. However, my "good news" letter (in each case after making the three payments they promised would re=age my loan and bring it current), which I received about a year and 25 sets of paperwork later, RAISED my payments by 50% to 100% on every single one of my loans. I laughingly asked how this would be a benefit to me and why anyone would agree to this and no answer. They basically said that they've determined that I can afford all the increased payments and that I should default on all my other creditors to pay them the increased payments (yes, they really said that). ALL I was asking for was that the IO period on my primary house not re-set for another 3 years to weather this storm. They said no and proceeded to lose about $600k for their investors. I have been so angry I can't even see straight at times. I can tell you have all experienced the same with WF. I can't even put into words how terrible they are. They won't let me catch up on my loans and have forced me into foreclosure on 2 houses that I was willing to continue to pay on. I do not understand their reasoning on ANY decision they've made. I understand they are not really there to help the borrowers, but what about helping themselves not lose so much money? I am disgusted with Wells Fargo and each of the representatives who tell me they are happy with what they are doing to help borrowers. How come you NEVER see ONE SINGLE blog with a positive comment about WF?

Roger Gasaway 22 months ago

i am another in the growing list of people who had the misfortune of dealing with an unscrupulousand greed driven den of hell bound liars known as well fargo home mortgage, my sceneario is no different from the rest just another example, i have already lost my home back in october of 09,i was told that i qualify for a modification but all i was ever sent was forebearance agreements about 4 or 5 i dont remember, i would call these assholes and each time i ask to whom i was speaking their reply was always with an employee number never a name i guess thats one way of limiting customer complaints, any way i finally spoke with a woman i cant recall her i.d. number but she assured me all was good and told me that i needed to send 2100.00 to them, i did. to start this process of the mod.the next time i heard from wells was the day after i lost to foreclosure, they never called or wrote me to say i was turned down i found foreclosure date about 7 days prior thru advertisements sent from local attorneys soliciting my buisness for bankruptcy, fuckem i want in on a class action, can some one email me with some info on one gasawayroger@yahoo.com, anyway concerning the 2100.00 i sent i have in writing on their letter stating the funds would be returned to me in the event i couldnt qualify for a modification , i have still not seen the 2100.00 they wont even acknowledge the fact that they ever even had it , but i have the proof, does anyone know if their policy included money upfront for a loan mod was standard operating procedure or not i dont know,i want a little pay back i am without a home my credit is shot but i can at least sleep at night and who the fuck cares not those lying motherfuckers at wells , so if by chance an employee of wells especially one who works loss mitigation happens to read this i hope you catch herpes, your wife leaves you,your dog bites you , someone steals your car,and you get gang raped in prison or hell cause your gonna be in one or the other , so fuck you to asshole

LEX 22 months ago

It's not only there scam on the phone but also the people works there @ WELLS FARGO is worthless fu_k and

don't know sh_t.

I agree to all of you W.F. is WORTHLESS

Top Ten List to avoid WF ( Similar to David LETTERMAN's )

1) Because some banks offers free coffee

2) Some banks have better customer rep.

3) Major banks robbed you with a only small amount of $

4) Lindsay Lohan goes to Citi Bank

5) Bank of America , CITI , other financial instution have only 3 toll free loss mitigation number

6) Please add more items as you read this

Carol 21 months ago

In our situation, we have been trying for well over a year, (when I first discovered I had breast cancer and I had to pay for treatments) to complete a loan modification program. I am a widow on disability, and my son, who just lost his job in March, lives with me and puts his entire unemployment check towards our monthly obligations. I initially qualified for a loan modification based on me telling the lender that my son would be moving in with me and contributing to the costs of living. I completed the three month trial period, supplying all requested documentation (including, unrequested, my son's unemployment award letter) and making all payments. We were told that the lender was behind on filing this paperwork, and to just continue making payments until we received an answer. So, I made the fourth payment, and sent in the package of documents, like I had the previous three months.

Our first denial came on the fifth month because we did not update the date on one of these documents that we sent, unasked, in the fourth month of the three month trial period. We scrambled and resent the documents again, fixing the one date.

Our next denial was because they did not receive a letter of contribution from my son stating that he is indeed helping out financially (paying everything but the trial period mortgage payments), and a document proving his income. We had never been asked to document this prior to this call, despite the fact that the only reason I had been approved for the loan modification in the first place was because I stated his yearly income, not to mention that we had sent in proof of his income during the three month trial period.

Our third denial came because they couldn't see my son's money being deposited into my account. He has been managing all of my financial obligations since my husband died, using his bill payer system over the computer. So, his money was not deposited into my account, but was paid directly from his account to my bills. We sent the lender six months of his bank statements, along with matching utility bills with matching dollar amount payments, proving he has been contributing to my household, even before he lost his job and moved in. The lender does not see this as valid. If they had told us they needed to see money being deposited into my account from the start, we easily could have started doing this. But how can we do this after the fact

Tosha M. 20 months ago

WOW! I can't believe so many of us are having the same problem. I have been fighting with WF since DEC. 2008, we called as soon as my husband was laid off to try and be proactive, they said there was nothing we could do until we were behind. 2 months later our daughter was born, via C-section so that was an unexpected cost w/o insurance, still WF wouldn't help. I went back to work a month later to be laid off. We sent nemerous packets, every month, changed the date, still no help. Aug. 18, 2010 we finally got a call saying we got the loan modification, lowering our payment by $150 dollars...WTF And we still keep getting letter stating we are behind, in default...I just don't know what to think. This house ins't worth what we owe, and we have tried to work something out...but they just won't work with us. My husband is driving a hour to work now, and i am in school at night and still activly looking...but to end to this madness just yet. Something has got to give, there are to many of us having this same problem. I say let them have the houses, they aren't going to get anywhere with them...

Thanks for letting me vent!!!

DC 20 months ago

Asked Wells Fargo for a loan modification after taking family leave for a couple of months to care for my mom at the end of her life. She died, my teenager had an accident 2 days after, broke his neck, when I got back to work, my job of 5.5 years ended- business closed. Wells Fargo's loan modification offering was to increase my mortgage payments to an extra payment a year! Our loan is over 15 years old and because our loan was considered in good standing- we did not qualify for the loan mod program! Our inquiry for help fueled an all out harassment campaign by WF! They blew up our phones- home, work, cell and they even sent letters demanding for all of our financial info again. We can't

imagine having anything worse than the hardship we experienced, asked for help and was beat further down by Wells Fargo! Watching the senate hearings about tarp, loan mods and inquiries about mortgage assistance and wished we had a voice to share just how evil, horrible and shameful WF has been to us!

classactiontime 20 months ago

We are going to start a class action suit against wells - we have been through everything that you all describe - paid to the penny what they demanded - by the deadline - and they are still moving forward with foreclosure - as if the money was not received - despite our bank records showing they cashed the check and the letter stating that was all that needed to be done... if you are interested in being a part of the class action suit email me at gogreentime@gmail.com

geosonly 20 months ago

Glad to find you guys. First of all, we had to go with Wells Fargo some 10 years ago after my husbands first divorce. He was behind on his mortgage and Wells Fargo "came to the rescue". Well, come to find out, this is a rule of 78 loan (where you pay all interest up front and principle later). You will never pay your principle off. If you are late, your interest eats up the little principle you may have been able to pay. Please check your loans to see if you are a simple interst or rule of 78. I believe this would be grounds for a suite, considering this loan type was not fully disclosed at the time of the loan. They took full advantage of our situation and stuck us in a situation where it is near impossible to pay on the priciple. Now we are behind on our payment, I was laid off my job and fighting with the state of Florida unemployment. WF is blowing my phone up, no less than 20 calls a day, hinging on harrassment. They look at the income and tell you that you can fully afford the payment, but they do not take into consideration your day to day living expenses. Modification? Yeah right. You have to give them a lump sum payment up front in order to get your monthly payments lowered by $100 a month for the next year. How does that help?

We are about 3 months behind and foreclosure is on the way.

Ben Dover 20 months ago

The HAMP program is just away for lenders to expose homeowners troubles. I applied for the HAMP through WF mortgage. I was never late and was not in the rears with my mortgage. After exposing my financial situation to WF they proceded to convience me that the only way they could help me was for me to skip a house payment before they would lower my payment in a trial payment period. To make a long and sad story shorter, I was led to believe this was the way it had to be done. 3 trial periods later and 3 skipped payments later I was sent foreclosure papers. However apon reviewing the federal government policy on the HAMP program, I found that it was not required to skip monthly mortgage payments. This was the key to saving WF from litagation over this program. Before you particpate in any HAMP program study the government outline for these programs. WF does not have one employee qualified to assist any mortgage borrowers with this program.Not one employee has any knowlege of the federal government outline for the HAMP. They are trained to take advantage of our weakened financial condition. They will exploit you in every way possible. Yes I saved my home and can provide you the name of a chomping at the bit attorney to help your cause, but my advise is once you expose yourself to WF you are burnt toast. Go easy on WF as they have recovered from Bank Afforable Modifcation Program that our federal tax dollars provided. Unfortunatly they forgot how that saved them all and now can provide a dividend to stockholders and 100s of millions in bonuses to their team mnembers. Dont you think that they use this tactic on their slaves(employees)as well. The saddest part is that less than 10% of the good folks that apply get helped. The other 90% have to give up their american dream and suffer the devalued credit rating because this program is about money for WF. If they only would take time to reflect on how many tax payers(PEOPLE) bailed them out. I know this is a stupid thought but compassion for fellow americans(NOT EXPENSIVE PIECES OF ART WORK) would greatly benifit WF in the long term. They are feeling the crunch as they just offered this deadbeat mortgage borrower 50 dollars to open a bank account with them.I would not open any account with them even if they offered me their highest bonus monies. I hope that you who have accounts with them close them today and provide them with less opportunities to fee the cash out of your accounts. Dont apply for any loans, dont open any accounts with them and dont associate yourselves with a company that would rob your friends and neighbors of their homes and future buying power. I know that the 10% who got HAMP through WF wont deal with them in any way. So for the 100% that applied need you all to have their backs. Please cancel any accounts and transfer them to a credit union or local banks because these institutes care about people as well as the financial gain the customers bring to them. Wells Fargo can sufer just like everyone that applied for the HAMP. PLease aplly the pressure by shuting down any relationships you might have with this backward thinking company. One last note my credit score was 736 before this all started. I am not burdened with debt and rarely borrow money. I got my HAMP approved and am making my monthly payments on time just as it was 18 months ago when all of this started. Please dump them as a bank. They need a good reality boost today.

Mike Hunt 20 months ago

WF has to be the biggest joke on earth. For them they assume there is no eternity. The bank that rips off the most tax payers wins. I wonder which dems and repubs are on their "bonus" program? Can any tax payers figure this out? Please post before we vote in November. Just remember NAFTA and how we must be brought down to compete with the rest of the 3rd world. Hello form the homeless and the hungry. Good bye to the graeat american dream. Please pray more than you ever hjad for companies like Wells Fargo and their employees.

Charlotte 19 months ago

Everyone should take their money out of Well

Fargo bank. This will break their back and then they will change. That was how we once did business in the south. When Whites refused to allow Blacks to sit in front of the bus and refused to let them eat at the food counters. We stop riding the buses amd stop shopping at their department stores. Then social change came, because it affected their money. They realized that money had no color. Dr Martin Luther King used this method to implement social change. and it worked.

SHEILA 18 months ago

YEAH TEAM: FOR ALL OF YOU WHO MADE COMMENTS THAT ARE COMPLETELY TRUE ABOUT WELLS FARGO AND ALL OF THEIR UNRELIABLE, ILL-INFORMED, RUDE, INCOMPETENT AND TOTALLY HARASS ANYBODY WHO DOES BUSINESS WITH THEM. THEY ARE SO RUDE TO THE TAXPAYERS, WHO UNFORTUNATELY HAVE ANY ACCOUNTS WITH THEM. FIRST IT IS MY FATHER WHO NEVER IN OVER TWENTY YEARS HAD NEVER MISSED A CREDIT CARD PAYMENT WITH THEM, PAID ON TIME AND OVER THE MINIMUM EVERY MONTH, EVEN THOUGH HE IS DEALING WITH THREE TYPES OF FATAL CANCERS AT THE SAME TIME, AND THEY HAVE THE NERVE TO CALL HIM UP AND INFORM HIM THAT THEY WOULD NOW BE RAISING HIS CREDIT CARD FINANCE CHARGE TO 23%!!!!! HE TOLD THEM WHERE THEY COULD GO AND IMMEDIATELY CANCELLED HIS CARD, SO NOW HE IS ON THERE WONDERFUL COMPUTER GENERATED CALLING LINE, THAT CALLS HIS HOUSE, MAKES HIM GET OUT OF BED, AND ONCE AGAIN IT IS WELLS FARGO BANK!!!!! BUT IF THAT ISN'T BAD ENOUGH, I AM UNEMPLOYED AND A FULL-TIME STUDENT NEARING FIFTY RETRAINING MYSELF SO THAT I CAN EARN A LIVING, HOWEVER WITH NO HEALTH INSURANCE AND A MULTIPLE OF HEALTH PROBLEMS OF MY OWN, MY BOYFRIEND HAS BEEN HELPING ME PAY MY MINIMUM CHARGES FOR ALL OF THE DOCTORS THAT I HAVE SEEN, SO HE IS BEHIND IN HIS HOME MORTGAGE THAT HE WAS UNFORTUNATELY TAKEN UT WITH WELLS FARGO. HE HAD CALLED ND WANTED TO DO NOTHING BUT GET SOME TYPE RELIEF, AND WELLS FARGO EMPLOYEES DO NOT, AND I MEAN DO NOT, EVEN KNOW ABOUT ANY TYPE OF HELP OR RELIEF, HAVE NO COMPASSION, CALL HIM AT WORK AND HOME, BEGINNING AT 8:00 AM IN THE MORNING INCLUDING SUNDAYS AND HOLIDAYS. THEY STATE THAT "THEY ARE NOT ALLOWED" TO ACCEPT PARTIAL PAYMENTS, EVEN WHEN HE TOLD THEM HE WOULD DO PAYMENT BI-WEEKLY EACH MONTH AND HAVE THEM AUTOMATICALLY WITHDRAWN FROM HIS BANK!!!!!!!! THAT WAS AFTER WELLS FARGO HAD TAKEN OVER EIGHT MONTHS THE FIRST TIME, LAST YEAR, WHEN HE WANTED TO REFINANCE SINCE HIS FINANCE CHARGE ON HIS 78,000 LOAN IS 10.5%, THAT IS TWICE THE GOING RATE!!!! SINCE HE HAS BEEN BEHIND, AND IT IS BECAUSE AS HIS FINANCE I HAVE NO HEALTH INSURANCE SO OF COURSE I FEEL SO TERRIBLE. BUT JUST BECAUSE WELLS FARGO CHANGED MANAGERS TWICE, KEPT HIS PAPERWORK, NEVER ANSWERED THE LOCAL OFFICE TELEPHONE, AND WHEN HE COULD GET THROUGH THEY JUST KEPT TELLING HIM TO PAY!!! SURE ENOUGH, THEY PREYED ON HIM NOT KNOWING ALL OF HIS RIGHTS, AND THEY JUST TOOK ADVANTAGE OF THE SITUATION BY SENDING OUT AN INSPECTOR, VALUING THE HOUSE AT 102,000, AT HIS EXPENSE COME TO FIND OUT, AND A BUNCH OF OTHER FEES, ALL FOR ARE YOU READY, TO DO THEIR LOAN MODIFICATION, WHICH WAS NOT OFFERING THE LOWER INTEREST RATE OR ANYTHING, THEY JUST PUT TWO, TWO PAST DUE PAYMENTS AT THE END OF THE LOAN AND THEY CALLED THAT THE LOAN MODIFICATION!!!!!! I CANNOT BELIEVE IT WHEN YOU FIGURE OUT HOW LONG IT TOOK THEM, AND HOW MUCH THEY CHARGED HIM IN INSPECTION AND FEES, IT IS THE ONLY WAY THAT THEY OFFERED HIM TO HELP, HELP ARE YOU KIDDING ME, YOU ROBBED HIM, WELLS FARGO IS THE BIGGEST BATCH OF LIARS, AND I INTEND AFTER FINDING THIS WEBSITE AND READING THAT WE ARE NOT THE ONLY ONES WHO HAVE BEEN TAKEN ADVANTAGE OF, I AM NOT ONLY CALLING THEM IMMEDIATELY TOMORROW WITH ALL OF THESE NEW PHONE NUMBERS I SEE ON THEIR WEBSITE, AND I HAVE A LEGAL AND LEGISLATIVE BACKGROUND SO THEY ARE NOT GOING TO PUSH ME OVER BELIEVE ME, I AM FIRST CALLING THE STATE OF MICHIGAN ATTORNEY GENERAL'S OFFICE REGARDING THEIR PRACTICES OF DOING BUSINESS, BUT I AM ALSO GOING TO ACUSE THEM OF DISCRIMINATION BECAUSE YOU CAN TELL BY HIS LAST NAME THAT HE IS THIRD GENERATION BORN IN AMERICA FROM A MEXICAN AMERICAN FATHER AND MOTHER WHO WORKED HARD THEIR WHOLE LIVES AND RAISED FIVE CHILDREN IN THIS HOUSE THAT I AM TALKING ABOUT. THIS HOUSE HAS BEEN BEING PAID ON FOR SO MANY YEARS, WITH REALLY NO EQUITY TO SPEAK OF, SOMETHING IS VERY WRONG------THEY ALSO DO NOT WANT YOU TO PAY BI-WEEKLY BECAUSE THEN YOU SAVE ON YOUR FINANCE CHARGES AND PAY OFF YOUR HOUSE FASTER, WHICH OF COURSE THEY WOULD NOT MAKE AS MUCH MONEY ON - I WILL KEEP YOU POSTED ON WHAT HAPPENS. THIS IS A GREAT PLACE TO BE ABLE TO TELL THE TRUTH AND HEAR OTHER PEOPLES STORIES THAT WE ARE NOT ALONE IN HATING THIS COMPANY!!!!

Johanna  17 months ago

We are havaving the same problems as all of you, we get involved in a trial period for 3 time without missing any payment, at the end of that period, they told us that we do not qualify, now we are facing a foreclosure, also our 3 years old son was diagnosed 4 months ago with leukemia. And now this. That is unfair!!!... can somebody give us some information that will help us please!!!

mindy 17 months ago

We have all had it with W.F. it sounds like. We went thru foreclosure and during the redemption period sold the house. Now W.F. is sueing us for the home equity loan of 38,000. We have had to get and attorney its a mess. Does anyone have any suggestions how to fight this. I am so fed up after dealing with these idiots for the past 3 years. I just want to stick it to them. I may need witnesses saying they are going thru the same thing. Any help would be appreciated. If you can help post it and we will get in touch somehow.

Doug 16 months ago

I am so glad to read these articles.I have been through the same bullshit over and over again.calling them,contacting them,loan modifications and being denied.foreclosure process.just to file chapter 13 to save my house.Now im behind again by one month.But I believe we have to fight together,I know im going to.I have asked in november of 2010 on who owns my mortage.They in return sent me a copy of all payments that I made to them.When I bought this house my mortage was with washington mutual,and was sold to wells fargo.Still no word.I read a article on friday 1/07/2011.They wells fargo lost this case in massachusetts for not being able to show proof on who owned the mortage.I would love to sue these bastards.Please keep in touch with me people.I live sleep and eat wells fargo complaints,because I hate these cocksuckers.newtonbrothers@hotmail.com

MD 16 months ago

I just received a slip in the mail from dear ol' Wells Fargo today stating, "AT THE REQUEST OF WELLS FARGO BANK NA., AN INDEPENDENT FIELD INSPECTOR CALLED ON YOU. PLEASE CONTACT WELLS FARGO BANK NA. AT 1-800-416-1472. What is that suppose to mean?!! My spouse and I have been dealing with this bank for over two years now and no good has come of it. We moved into our home with great intentions of building yet again our equity and moving to the country. We were on track to our dreams when the rug got pulled out from underneath us. Now we are trying to find a place to live and will be leaving the keys to the house on the counter. Wells Fargo strung us along using the same terms as other modifiers, but yet they have never done one modification of any kind. The hud agency folks say it is better to just walk away and start all over again. The government HUD agency folks also say that they have never seen Wells Fargo ever do one single home modification and even if they decided to start tomorrow it would not be in the homeowners best interest. For example lets say they decided to do a 30 year loan on your house...you still would never see any equity...you would still be in the negative. I think it is time to start stuffing our hard earned cash under our mattresses so to speak and leave the banks out of our business.

Thoroughly Disgusted,

MD

BC 16 months ago

Our loan was sold to Wells Fargo 3 years ago. We always made more than our monthly mortgage payment till my wife was forced to leave her job due to a medical disability and I lost my job due to the economy. I found a job shortly after, but not making anywhere near what I was making previously. We contacted WF to let them know what was going on and said that we could qualify for a modification. We faxed in countless pages of to their loss prevention department only for them a month later ask us to resend the same paperwork. We would follow up a couple days after faxing to make sure they received all the docs and they would always say yes and it was in review. Only to get a phone call a couple weeks later to tell us they need us to fax everything all over again. Last week I faxed 95 pages of documents to them. I have to call them tomorrow to make sure they have everthing. There is a case review person assigned to our file, but when I leave him a message after he calls, he does not return the phone call. They can have the house, I am to the point of not caring after 6 months.

Kate 15 months ago

thanks so much for sharing - mother passed under 2 months ago, one mortage payment missed - received wf notice of foreclosure today - haven't even had a service for her, done the will, life insurance or gotten a lawyer yet due the weather and other issues - BUT someone advised me to contact wf immediately and they should work things out with me - HA HA it seems - i cannot waste my time - so glad you all posted here - will be contacting some of you re sueing as mom's original loan as with another financial institution - thanks again for sharing as i really would like to keep this 50 + yrs childhood home of mine in our family - no one is on the dee but my mom so lawyers must get involved i guess cuz after hearing what ya'll say on these and other posts, i do not want to have anervous breakdown over some money hungry deceptive crooks !~ thanks again for sharing - good luck - God Bless.

Toni 12 months ago

Wow, Im glad to see that Im not the only one with WF issues. My husband took a decrease in salary. We struggled to make the house payment for 1 year until we just could not do it any longer. WF kept trying to push the loan modification program, and after speaking with countless people from the call center to loss mitigation, I could not get anyone to answer simple questions like would we qualify. I was told to fill out the 1 inch thick stack of documents they sent us and submit them "to see" if we qualify. That wasnt good enough for me hearing horror stories about loan modifications. They kept telling us that they wanted to work with us, but kept giving us the run around until I told them that if I didnt get answers to my questions, we would walk away. I finally got 1 gentleman to give me the "criteria" and low and behold we still made too much money to qualify for the loan modification. Why do they have to put people through this nonsense just to tell you NO. To make a long story short, we filed BK and walked away from the house which after 11 months still has not been settled. We has our loan with them for 8 years with -0- late payments. Gee if they only would have worked with us, we probably would not have walked away. Thanks WF

renter 8 months ago

currently renting a house that is financed through WF and have gotten a little note on my door twice now from them. after reading all of these comments i dont like the sound of this bank. how long does it take for these people to come in and take the house? I have a family of 5 and worried. My landlord tells me to not worry about it and does not give me a straight answer on what is going on. I would love to know how long it takes for these guys to come in and take the house? like I said this is the second note now on my door.

Michael Howery 6 months ago

Well I was trying to get a loan motification.I faxed 22 pages.Got call they wanted more I said its crap to forget it and hung up on them.They don,t want to help anybody.Just dont understand how they have no fear of God.I would not be surprised if they burn in hell for this greed!!

Roger Gasaway 6 months ago

I have an update on w/f they still suck after all these months

Sue Dewald 5 months ago

Well Fargo and Bank of American They just forclosed on my sons home.While his wife was talking to the Loan company and they were taking her info and telling her they would talk with Cooperate The Mortage compies only have to advertize they are going to foreclose nothing more who are they to tak all some one has worked for. This family of 7 will be out in the Minnesota winter. kids 8 months to 15 years One with CP...Both those banks should be taken to task.I wont stop till this goes Viral..Brooten Minnesota Have you every spend a Minnestoa Winter out side??When will this crap all stop the rich eat the poor??

maria v eyles 5 months ago

Regarding "loan modifications" or lack thereof really (Wow...they give crappy "loan mods" to a whopping 4% or less of applicants)...Wells Fargo is the embodiment of EVIL, contemptuous of customers, the Congress, the OCC, and the Attorney Generals. Look up the hub entitled "Predators." I too am looking for that class action suit. Any entity who could foreclose on the Christmas Snoopy, and poor sick grandmothers and all WF has done in its catalog of evil should be run out of business. RUN don't walk away from them!

jackie 4 months ago

We are behind four months how long do we have before they thrown us out of here anyone know?

nony 4 months ago

They forclosed on us 6 months from our first missed payment. The foreclosure happened in Sept 2011, some company came and changed the locks about a week later. Oddly, I just got a call from WF today telling me they were attempting to collect a debt. WTF? 6 months later? I can't imagine what they want, unless it is lawyer fees or something.

Rhonda Lindenmuth 4 months ago

Im really had it with WF I tried to get a loan modification after my disabled became sick and I had a decrease in hours to be home to take care of him I summited the paper work twice they asked for additional information which I sent in and then it took them 3 months to tell them I was denied I was 3 months behind it really aggravates me that they can not help people in hardship crisis they are the reason there are so many forecloses. I just don't get it they rather see you lose your home then to work with you! This company is terrible would not recommend to anyone even the representatives could care less about your sitution.

remote12 3 months ago

please tell me whattype of compensation I am looking at because they told me that I qualified for this and that I would recieve some sort of financial injury payment? I'm alittle confused? We lived in our house for almost 7 years and tried everything to keep it. Let me know something!

WFF-SCAM 3 months ago

I'm in the same boat with all you people. WFF is a joke and their home preservation specialists are sitting in cube farms making $9/hr reading you some scripted nonsense from a computer screen. Do yourself a favor and file bankruptcy and affirm your mortgage or completely write it off. A good attorney will do it for $1500.

sheri 3 months ago

wellsfargo suck they dont help you at all they just take from you we tryed everything with the the hardship letter nothing now they are tanking everthing....

KIM 3 months ago

WELLS FARGO SUCK THEY DOES NOT WANT TO HELP ANYBODY. MY HUSBAND AND I BEEN IN THIS LOAN MOD FOR 10MTHS NOW. STILL NOTHING YET.IM ABOUT TO FILE BANKRUPTCY.

Cynthia 3 months ago

I call and call my "specialist" but she will not call me back. I'm screwed, aren't I?

Brenda 3 months ago

My loan was bought by WF and after being one pmt behind I started to receive letters of foreclosure. Needless to say this scared me very much. I called and spoke to the "Loan Modification Dept", they assured me that my home would not be taken from me. I submitted all the paperwork and answered all the questions. It took them almost 6 months to reject me. Meanwhile I was making the minimum payment. I lost my home.

One Tuesday in October 2009, a truck pulled up to my driveway demanding to enter and change all the locks. They started to take down all my pictures and started to put all my belongings in black plastic bags - room by room. They dismantled my furniture and put it in the driveway. This company that worked for WF came in and literally threw me out of my home. They changed the locks and left me and my husband out in the street - with three dogs. They were very cold and didn't care about anything.

Wells Fargo is the worst bank ever! They would rather take the money and run, rather than actually work with you so that the american people can keep their homes.

Both WF and BofA will get what's coming to them.

ConcreteBo 3 months ago

Me and ny Wife have had a rough time since the Housing Market crashed in the Fall of 2007, She was gainfully employed at a Title company and made a goog salary and I am a general contractor that 90% of my business was new home construction .Well as we all have different problems (health ,jobs etc.) I have seen that wf just flat out does Not Care about anyone which is sad The Rich get Richer and us Working Folks lose everything we have worked so Hard all of our lives. We are currently in foreclosure and are going to file a chapter 13 BK just to buy us 60 to 90 days before we are out on the street , we will probably end up in a short sale . We as Americans need to have some kind of Grass Movement ,Surely they cannot kick everybody out of their homes!!! Like my Mom told me a few weeks ago Houses are not made of Gold !!!!Fuck Wells Fargo and all the Stinky Rich that does'nt Give a Damn about anyone else !!!! It is all about the Ecomomy !!!! Vote this November Lets FLUSH WASHINGTON , just maybe we get New Poltiticians that remember why WE THE TAXPAYERS sent them there !!!!!

I hurt2 3 months ago

My husband was active duty military, and we tried everything. We had a buyer for a short sale, tried deed in leiu.. Everything. We had an 80/20 loan, and 6 months after the foreclosure, a collection agency called. I made payments on that for a year, then did a settlement on it, but now even though the foreclosure is 3 yrs old, I can't get a new mortgage because of the home equity line I had PAID on...??? Be wary folks... We tried to do right, and got screwed! Incidentally, I looked into the foreclosure review thing.. Might take 3 yrs, but my husband and I might get about 2K each. Not much consolation now when we can't get a house of our own though... Good luck all!

pat rizzi 3 months ago

What is i with the condo at. 15963 S.Crestview Dr .I live below that 3 bedroom unit.Will it ever be on the market,I know that the time is not that good.Go to Crystal Court and see how low they are going for.this unit has every thing in it including a Rifrig,I was up there when she left

Jo 2 months ago

My new mission in life is to put Wells Fargo Bank OUT OF BUSINESS!

I too have gotten behind on my mortgage payments due to unemployment. For me to be put on their "Payment Plan" I need to come up with HALF my delinquent amount from the get-go.

You can say NOT REALISTIC??????

Additionally, I have been communicating with the folks in the Loan Counseling Department throughout this process and there seems to be a MAJOR training issue going on here. What you hear from one person one day is NOT what you hear from another the next !!!!!

For example, I was advised to send in a specific amount to pay towards my loan. I did. I sent a check for the EXACT AMOUNT REQUESTED.

THE CHECK WAS later RETURNED BECAUSE IT WASN'T ENOUGH!!!!

Huh? Which is it? I suspect if I call right now I might get even a DIFFERENT proposal!

I really hope I can refinance with someone else and get rid of these people. But my mission still remains to PUT THESE JERKS OUT OF BUSINESS!!!

Together we can do that. They speak with forked tongue and they are disingenuous and unethical!

MOVE AWAY FROM WFB as quickly as you can !!!!

maria v eyles 2 months ago

I'm with you Jo!

alicia 2 months ago

I am in Georgia and according to Ga law...they cannot throw you out until your home has been sold through sheriffs sale...then you have by law thirty days from the time you received your eviction letter....and that could up to a year for your home to be sold...i have been through the exact same thing the rest hsave been through...i would like to be involved in a classd action...if we do nothing they are going to keep doing this...

nativeamerican simple man 2 months ago

im home less and mentally ill . we let the creator be the judge. everyone is acountable for the seven deadly sins the end is near. glad im not my obsession isnt money. good luck with that.

susan 2 months ago

They had me pay the wrong amount and took the money from my account but won't put it towards the loan and charge me late fees on it

Walking in GA 8 weeks ago

I have been unemployed since June 2010- I contacted Wells Fargo right away and they put me on half payments. Now they tell me I am too far behind on my mortgage payments. I told the LM rep WELLS FARGO put me on the half payments now you are telling me I am too far behind 9 months to help me. WTF!! Wells Fargo is not helping anyone except themselves. I am walking away! I received an inhouse modification in Sept. 2009 after 9 months. Then I lost my job. Wells Fargo can have this house. I paid 152k in July 2006 when I bought it. Then with the modification in 2009 they dropped my interest rate from 7.75 to 4 percent and extended my note out to 40 years. The house is worth 64,200 however the house with my floorplan sold for 51k. All BS because they modified my house and its as if I have made NO progress on this loan. They can have this house

Nita L. Jungles 7 weeks ago

I too have had a nightmare trying to do a loan modification with wells fargo. It took almost two years of endlessly faxing in paperwork and writing letters. They finally agreed to a small loan modificatio...my mortgage dropped from 1800 to 150o...not much but i took it. I paid through automatic deductions for 6 months. So obviously I was never late. It was automatic. then out of the blue they kicked me off the program simply stating my income was to inconsistent..what does that matter if I an making my payments??? I am self employed so my income fluctuates...They asked me to resubmit more paperwork and try for a different sollution!!! They stated I no longer qualified for that program!?!? I began the ridiculous process all over again....I was dealing with putting my very sick mom in a nursing home and sending my 17 year old off to college in the mainland (I live in hawaii) so while was out of town they foreclosed on me ! THey said I had several days to get certain papers in and when I explained I was out of town dealing with a crisis they told me sorry !! I was foreclosed upon on my birthday ironically....Happy birthday to me !! Thank you Wells Fargo ! It gets better. Now over one year later they wrote me a letter saying my case is up for independent review and that their may have been illegal foreclosure activity !! Ya Think???? My condo is sitting empty falling apart as we speak. Its worth $100,000 less than I paid for it. Now they want to negotiate with me? I lost my 35,000 downpayment and paid almost 80% interest over the five years I owned it...I think they got enough money out of me...I am upset to say the lease. Oh and I looked up the new owner...guess who? The federal government (freddie mac)Wells Fargo sold it to then within 10 days of the foreclosure...and now it sits....I have moved back in because I found out I an liable for anything that happens until its privately owned...like a flood of fire or ??? Also I an still responsible for the maintenance fees even though its bank owned !!! Completely crazy. So now I am waiting for 90 days until the intitial review is finished...we shall see. They say I am entitiled to financial compensation for this or other remedy...whatever that means....

Shona T. 6 weeks ago

I missed a payment in April 10. I've been in review/modification since then. Changed "specialist" 3 times. They refuse to accept my payments...now telling me to give them year worth of mortgage payments today...WTF!!!!???? My review is to end by the first week of May. Lets see what happens:(

Jerry 6 weeks ago

After 10 years with them ,fighting every month, it seems I have to say piss off you break dream's and hearts and any future one wished to have.2 modifications and then you back out.like it;s a game.I have ran for you ,faxes paper work it took me a year to get this far,and then you tell me my mod. payments are in a suspense account and were never applied.2 months behind turned into 9, your nothing but snakes.I see why why you have such a high employee turn over ,they cant do what your asking and sleep at night.If you have to deal with wells Fargo save your money and buy a camper...

Tami 4 weeks ago

I too am being denied help from wells fargo after calling them as soon as I started having a finanial hardship. I am having medical issues and my dr told me to apply for disability. I have and was denied. I have not been able to work in a year and I have depleited all of my life savings. Wells Fargo said there is nothing they can do for me until I have an income!! WTF is that! I can't work and disability is jerking me around. Meanwhile the doctors bills keep coming and more and more med's are added that I can't afford.

I would love to join a class action suit against WF. If anybody knows of one, email me at betterton2006@aol.com with wells fargo lawsuit as the subject, please!!!

Kendra 4 weeks ago

I know exactyly how you all feel I have been dealing with Wells Fargo since July 2010 with the same bs each time I send them something they ask for something else. They first tried to say that I have to come up with a different hardship reason. I had that I had 2 fulltime jobs when I purchased the job, I do not now, I had several surgeries, I sent the proof on that, I was out of work six weeks with out pay because my sorry ass job (at the time denied me short term disability because they do not pay for students when they are on leave). So they modified it and they changed the payment from 967.41 to 1671.41 had I known it would still be in processing now I would have toughed it out. They said they cannot give you but so many modifications so that was my concern. I can not believe this nightmare. I have dealt with NACA, HUD, the CCCS, and a bankruptcy attorney I am not sure what I am going to do but I am not letting my home go.

K. Hernandez 4 weeks ago

Wells Fargo screwed us big time. We had been trying to Modify, our loan was actually with Wachovia, but Wells Fargo would not work with us. We had to declare bankruptcy in 2010, to save our house the first time. We were able to make payments but they kept raising our mortgage and we fell behind again, so the trustee took our house out of safety from bankruptcy. We once again were trying to negotiate for a modification, and actually got assigned to a guy, passed the first section, second test, went to underwriters, and in less then one day, they denied us on the phone, they then sold our house the same day, we found out when the investor showed up at our house. We are now moving. We still have not heard from Wells Fargo. I feel like we got played trying to cover the a** because we had a lawyer looking into it. For the first time I feel that we are being discriminated because of our last name. These banks need to be held accountable for this travesty. The little people have no power, against these banks. How do these underwriters sleep at night knowing they have kicked a family out of their home and literally screwed them out of their investment. We just needed a lower mortgage, we were willing to pay the loan amount we owed, yet they sold our house for $100,000 less then it is worth. yet wouldn't work with us. We had no other bills but our mortgage.

j malak 4 weeks ago

i am looking for a law office in florida that filling a class action lawsuit aginst wells fargo any one out there can help please call 727-224-5115 wells forgo asking me out before 8/15 my family going to be in the street please help , god bless

sm 4 weeks ago

MY GOD EVERY COMMMENT I READ IT IS BELIEVABLE.. YOU KNOW WHY BECAUSE I AM GOING THROUGH SAME THING. PUTTING THIS WAY, TALKING TO WELLS FARGO STAFF IS MIGHT AS WELL TALK TO THE BRICK WALL. THEY ARE VERY RUDE AND THEY LIE SO MUCH AND THEY SAY ONE THING AND THE NEXT DAY SOMETHING ELSE..THEY SENT REAL ESTATE AT MY HOUSE FOR EVALUATION AND ASSEMENT TODAY AND GUESS WHAT I ONLY MISS 2 PAYMENTS..THEY HAVE NO RIGHT TO GET INTO MY HOUSE UNTIL 3 PAYMENTS IS MISSED..HOW CAN THEY DO THAT.. CAN ANYONE EXPLAIN ME...

margaret 3 weeks ago

idont know what to do anymore. am so scared that they will come to the house and take everything and put it out on the street. will take my money out tomorrow and put it somewhere else. so many lies and discrepancies fro wf that i dont trust them at all. they even sent back moneyn that i had paid on the trial period. between wachovisa and wf ive been screwed in do many ways. t0oldf me that they were going to put together 1st and 2nd, didnt. said i would get mod. didnt. called on hone yo say im denied mod. just waiting for letter from foreclosure atty. dont know how long i have, rep wont say. if someone comes to my house to chanfge locks ill call cops and tell them they are breaking in. am going to file bankruptcy to buy some time. if anyone has any suggestions im open for any and all

please send your good thoughts this way. thank you