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Wells Fargo: One Lie After Another

Posted 43 months ago|64 comments|15,073 views
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Wells Fargo: One Lie After Another, One Mortgage Holders Story

It's no secret that I hate Wells Fargo. I hate them with a passion because they constantly lie to me. Unfortunately for me, Wells Fargo is not only my alleged mortgage holder, they are also my primary banking account holder now that they took over Wachovia. I say "alleged mortgage holder" because like many Americans, my mortgage has changed hands a few times since I first got it back in 1990 and the ONLY people to give me ANY mortgage documents was the original Mortgage holder.

I became unemployed on June 5th, 2009 and shortly thereafter I informed Wells Fargo. I wanted to keep them in the loop and informed and see what payment options they might be able to offer me. Instead of help, all I got was lip service and one lie after another.

In June of 2010 I received a letter from Wells Fargo stating that the insurance on my home expired 5/3/10 and that a Binder from QBE Specialty Insurance Company for $5,471.75 was taken out on my property by Wells Fargo. I call this…

Lie Number 1:

Wells Fargo had ALREADY paid my homeowners insurance $1,677.00 from my Escrow on April 16th for coverage just like Wells Fargo did the years before to my Insurance Company. So why after paying it were they now telling me that I was uninsured?

Apparently, the "left hand" does not talk to the "right hand" at Wells Fargo and they tried to rape me and charge me $3,794.75 MORE with an overpriced insurance policy of their choosing. Why? I suspect that Wells Fargo has some interest in QBE Specialty Insurance Company in some way. It took several phone calls and e-mails to get the $5,471.75 removed, but it did not end there. No, the people at Wells Fargo were determined to charge me something and they did! Wells Fargo charged me $494.87 for 30 days of Insurance from QBE Specialty Insurance Company and they took it without my authorization from my Equity Line.

My Equity Line had been frozen for two years. Wachovia closed it when the housing market took a dump in 2008 and I cannot even make online payments to pay it back, I have to call and have them do a transfer. Yet, Wells Fargo was able to take $494.87 from it. Like before it took over a month of calls and e-mails to get that charge removed.

Right from the start of my unemployment I was trying to get one of those "loan modifications" I was hearing about in the news. After all Wells Fargo got 25 billion in TARP funds, surely they could help me, right? Wrong! I was told No several times. I was told No because according to Wells Fargo "unemployment and unemployment compensation do not count". Still I persisted and I got a Special Forbearance, or as I like to call…

Lie Number 2:

In October 2010 I had sent Wells Fargo all the information they wanted. They got 3 years worth of documents including bank receipts, income tax filings, utility bills and everything else they wanted. They rejected me because they said I had a deficit to American Express of $4,939.00. Except I had NOT had an American Express Account of ANY kind for several years and that charge was NOT mine.

I called American Express who acknowledged that it was a mistake and the charge should not have been on my Credit Report and had it removed, they also notified Wells Fargo, and since that was what I was originally denied for, Wells Fargo might be able to help me now.

A Special Forbearance Agreement was sent to me from Wells Fargo shortly thereafter. Special Forbearance meant that Wells Fargo would agree to reduce my monthly payments to $537.01 for 3 months to see if I could make those lower payments and could lead to permanently lowering my monthly payments. The way the agreement was written it looked to put me in default right from the start as it required back payments to be paid, I called and was told by Wells Fargo that was not the case, I now call this….

Lie Number 3:

The Wells Fargo agent I spoke with said that past due payments would be applied to the end of the loan and to make the 3 special payments as stated in the Special Forbearance Agreement. I was still making $275 per week on unemployment and these reduced payments would be hard to make, but I made them on time as required.

The Special Forbearance payments were NEVER applied to my Mortgage, all $1,611.03 of it sits unapplied in Wells Fargo Limbo and Wells Fargo refuses to tell me why. To further add insult to injury during the Special Forbearance my regular monthly payments not only did NOT go down, they went UP due to something being wrong with the Escrow. Now comes what I call…

Lie Number 4:

Wells Fargo says they rejected the Special Forbearance after I accepted it because they did not get additional information, which they already had got in October and I have the FedEx Tracking Number and Receipt to prove it. So even though I held up my end of the Special Forbearance Agreement, Wells Fargo reneged on theirs as I was making the special payments. I now have until March 15th 2011 to pay $2,283.03 in Certified Funds to bring my Mortgage current or else face acceleration and foreclosure.

Summary:

I'm not alone, I'm sure a lot of people get lied to by their banks. I feel it's a story worth sharing, a story worth repeating. It is a warning to all others not to let this happen to them. We have over 15 million American people unemployed and have 2 to 3 million foreclosures a year and nobody, not our elected representatives, and certainly not the banks, which pay to get said representatives elected, want to help.

In my opinion, if Wells Fargo truly wanted to help they could, they could modify the mortgage to help me since that is what President Obama asked them to do over a year ago. Apparently, John Stumpf lied to the President the same way his bank has lied to me. However, it is clear that Wells Fargo does not want to help and will not help. I wonder how many more homeowners like myself have been lied to by Wells Fargo? How many more are they refusing to help?

Along the journey I found out a lot about Wells Fargo including some stories they are probably not too proud of.

More About Wells Fargo:

1). John Stumpf, Wells Fargo CEO
2009 Total Compensation: $21,340,547

According to The New York Times, Wells Fargo's CEO John Stumpf was the highest paid of any financial industry executive in 2009. He received $21.3 million in 2009 total compensation, $6.5 million more than he received in 2007 before the financial crisis unfolded. Of that, more than $10 million was in the form of "retention performance shares" paid after Wells Fargo was free from TARP compensation limits. By comparison, the average worker made $32,048 in 2009. John G. Stumpf made 665 times the average worker's pay."

Sources: http://www.aflcio.org/corporatewatch/pay...

http://www.aflcio.org/corporatewatch/pay...


2). Wells Fargo takes 25 billion in TARP funds and the only plans they had for it was throwing the already super rich Wells Fargo executives a really big party. They only stopped the party plans when it went public.

Wells Fargo: Forced to Take Stimulus Money, Does What They Are Told to do, Now in Trouble
http://bungalowbillscw.blogspot.com/2009...

Wells Fargo Cancels Plans To Spend Stimulus Money On Giant Party
http://patdollard.com/2009/02/wells-farg...

Wells Fargo to repay $25 billion bailout
http://money.cnn.com/2009/12/14/news/com...

Stumpf was one of 12 bank CEOs present at the White House Monday (December 14, 2009) where president Obama urged them to make more loans to small businesses and modify mortgages to aid struggling homeowners. Except to people like me I guess, right John?

3). At least one Wells Fargo executive was known to throw lavish parties in foreclosed mansions that Wells Fargo now owned and one executive was fired for doing so.

"In Malibu, Calif., Wells Fargo executive Cheronda Guyton occasionally occupied a $14.9 million beach house to host swanky social gatherings, according to newspaper reports. One catch: the property's former owners had lost the home to foreclosure after they were victimized by Bernie Madoff – and the estate was claimed by their bank – that's right, Wells Fargo. When residents within the gated community glimpsed the parties, they got Guyton's name from security guards and turned her in. Wells Fargo fired Guyton in September 2009."
http://www.msnbc.msn.com/id/39312450/ns/...

4). Philadelphia Man Forecloses On Wells Fargo
http://www.huffingtonpost.com/2011/02/17...

By far my favorite story and inspires me to do the same thing.

Wells Fargo has the slogan "Together We'll Go Far". Well no, not from what I've seen you won't go anywhere. In my opinion I think a more accurate slogan might be "Lies, Lies and More Lies", but that might not look good on their letterhead.
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COMMENTS
justlogic
justlogic
43 months ago: Stay on them, here is another story you might like. This lady fought the banks off for 25 years. It sounds like you have things well managed but maybe she could give you a few extra pointers if you contacted her.
43 months ago: I've seen that woman's story. The big difference is she quit paying her mortgage 25 years ago when she fell on hard times and has been fighting the system since then. She's gone through a few different mortgage companies and lawyers and three husbands since she started.

In may case I have been paying my mortgage all along, all I want is a loan modification to a lower payment and Wells Fargo does not want to do that for me, even though they pretend to offer me some help.

However, this goes to show a well structured and written letter can get results. Yesterday was Presidents Day and the banks were closed, but I sent Wells Fargo an e-mail with this link and new executive called me early yesterday evening. He said he was in a higher position than the others before and he would look into my case.

He also said it was NOT Wells Fargo that did not want to modify my loan, it was the SHAREHOLDERS. It seems the Shareholders have voted to NOT do loan modifications, or something to that extent. Sounds like Lie Number 5 to me, but I had heard that excuse before as well.

So why does Wells Fargo pay John Stumpf 21 million dollars a year as CEO when the Shareholders can over rule him?
amishking
amishking
 Moderator
Auburn, NY
43 months ago: I recently ( in the last 3 years ) started my first mortgage. For the first two months, I was so proud of my wife and I. Now, I feel as though I have a boulder hanging over me that can fall at any time in the next 30 years. Good luck, and keep us posted on how things are going.
43 months ago: The Lies continue with Wells Fargo.

I was told recently that they had sent me a letter saying they voided the Special Forbearance Agreement and that I was not eligible for any mortgage reduction consideration. I went back and found it, Wells Fargo sent it ONE WEEK AFTER I HAD MADE THE LAST OF THE THREE SPECIAL FORBEARANCE AGREEMENT PAYMENTS. That's right one week after they got the last payment they said, "Sorry we screwed you again!"

Lie Number 6

This new executive, Michael from "The Office Of The President" who called me after I posted this Rant is NO different than the other three previous Office Of The President people Dianne, Tiffany and Dawn all of whom lied to me along the way. Michael sent me the SAME forms that Dawn had, which are the SAME forms that Dianne had sent and Well Fargo has HAD those forms returned from me since October 2010.

The Lies continue, the cycle continues. Wells Fargo wants me to complete all the same forms again so they can jerk me around one more time. I wish for once that Wells Fargo would tell me the TRUTH.

"We're never going to approve a loan modification for you because we really don't care about the middle class and we look forward to foreclosing on your home and forcing you out of everything you've worked so hard to earn"

Because THAT would be the truth.
43 months ago: Well the Wells Fargo saga continues. After speaking with Michael again he told me that Wells Fargo took the reduced payments that were unapplied and added to it the overage in my Escrow and had enough to make the last three months payments at the full rate. So I'm now current on my mortgage, but I did not get the loan modification that Wells Fargo had promised.

He also said not to return the paperwork to him until I had a steady job. The downside to that is my next job will be a 1099 straight commission job. I will not even have a Contract until I pass the State Test. I won't have a steady amount of money coming in each week, no sales means no money that week. Since this is a new career field to me and I don't have any business that I can book right away it will take time to build a client base.

It looks like just another delay tactic so that Wells Fargo can deny me a loan modification yet again.
justlogic
justlogic
43 months ago: This reminds me of catch 22.

You can not apply for a modification without a steady job, if you have a steady job, you don not qualify for a modification.
Welcome to hell, signed WF.
43 months ago: The irony is that Wells Fargo does not consider Unemployment Compensation, which in Florida is up to $275 per week. I just entered Tier III, which is 13 more weeks of EUC and the 111th Congress funded EUC through December 31st 2011. So I'm guaranteed 13 weeks of Tier III and probably 6 additional weeks of Tier IV after that if I do not have a job by then.

Yet, Wells Fargo might consider me for a loan modification if I had a job that paid $275 per week in which I would have no guarantee of employment for any length of time because Florida is a Right To Work State and you can be fired for almost anything. In fact I had a job for four short weeks in September 2010, but Wells Fargo did not consider that at the time.
40 months ago: Wells Fargo refuses to tell me who the "Investor" is that will not let them modify my loan. A few weeks ago one of their agents actually told me what I believe to be the truth. That my loan is 20 years old now and that I've already paid back all of the Interest, the Bank's profit, and only have the Principle left to pay back. Since they've made all their profit already there is no reason to modify the loan.

So all the nonsense of me filling out forms and sending in 20 pages of information was just a joke. They never had ANY intention of EVER modifying my loan and the FACT that Wells Fargo waited until I made the last of the three special payments shows that.

The "Investor" is just another lie. There is no Investor only the greedy bastards at Wells Fargo that intend to bleed the middle class dry.
39 months ago: So far Wells Fargo has chosen to ignore me. I've been sending e-mail everyday for two weeks and I get no response. So far at least 8 people have chosen to ignore the e-mails, but I add new names to the list every week.

Wells Fargo has the e-mails below on their web site, so it is Public Information, but just in case they remove them to try and hide from you I posted some of them here for all the other Wells Fargo customers that are having the same problems I am having.

I strongly urge every Wells Fargo customer to send e-mail to complain about the way Wells Fargo has treated you. Will they respond? No, of course not they could care less about you and will make you jump through hoops just to deny you anyways. However, writing and calling will make you feel better to let it out, so go ahead and write.


EVP, Director of Corporate Communications
Oscar Suris 415-396-3300 oscar.suris@wellsfargo.com

Head of Corporate Media Relations Corporate and Financial Communications
Mary Eshet 704-383-7777 mary.eshet@wellsfargo.com

Head of Social Responsibility and Executive Communications
Alanson Van Fleet 704-715-5902 alanson.vanfleet@wellsfargo.com

Executive Communications
Janis Smith 415-396-7711 janis.a.smith@wellsfargo.com

Social Responsibility
Melissa Murray 415-396-4417 melissa.k.murray@wellsfargo.com

Wells Fargo Home Mortgage
Vickee Adams 515-213-4610 vickee.j.adams@wellsfargo.com

Wells Fargo Home Mortgage
Teri Schrettenbrunner 515-213-4032 theresa.a.schrettenbrunner@wellsfargo.com

Home Equity
Natalie Brown 775-689-6123 natalie.m.brown@wellsfargo.com
39 months ago: The E-Mail I sent to Wells Fargo today. I also Blind Copied many Media contacts.


To Wells Fargo Executives

I got another call from Wells Fargo this morning, this time from the Home Equity side. They of course wanted to know when I could make a payment. They also wanted to set up a Short Sale. I could only come up with $100 to offer them, I guess I can't get groceries this week now.

If there is a God, I pray to that God that EVERYONE of the pricks like YOU at Banks like Wells Fargo that screwed over people in the American Middle Class like me, has what happened to me happen to YOU. I want to see you at the end of your rope with nothing left. I want to see you unemployed for two years. I want to see you lose everything you have ever had. I want you to know and feel first hand what so many of your customers have been feeling over the last couple years. Customers like me that you have done not One God Damn thing to do to help.

To big to fail, my A**. Next time you should not only fail, you should all be tried, convicted and imprisoned for the crimes against humanity you have all caused.

Sincerely, F**k All Of You at Wells Fargo!
39 months ago: It's no wonder why people hate Banks the way they do. After a couple weeks of daily e-mails to several top executives at Wells Fargo I finally got an answer as to who the "Investor" who would not allow Wells Fargo to modify my mortgage is. So I started e-mailing them.

US Bank NA
300 Delaware Ave
Wilmington, DE 19801

Richard K. Davis
Chairman, President and Chief Executive Officer of U.S. Bancorp

Jennie P. Carlson
Executive Vice President, Human Resources, of U.S. Bancorp.

Andrew Cecere
Vice Chairman and Chief Financial Officer of U.S. Bancorp

Terrance R. Dolan
Vice Chairman, Wealth Management and Securities Services, of U.S. Bancorp

Richard C. Hartnack
Vice Chairman, Consumer and Small Business Banking, of U.S. Bancorp

Richard J. Hidy
Executive Vice President and Chief Risk Officer of U.S. Bancorp

I sent a simple question. Were they the "Investor" that Wells Fargo claimed would not allow them to modify my loan and if so why?

Can you guess what US Bank did next?

No, US Bank did not offer to help me either. They forwarded my e-mail to them back to Wells Fargo who had been ignoring my e-mails for the last two weeks. A nice little circle jerk.
39 months ago: Well I got my answer back from U.S. Bank who bounced the issue back to Wells Fargo. They said in part:

"U.S. Bank acts as trustee under a pooling and servicing agreement. U.S. Bank is neither the mortgagor nor the servicer of this mortgage. All actions taken on behalf
of the Trust would have been taken by the servicer of your loan. U.S. Bank, as Trustee of the Trust, would not have been aware of any actions or proceedings taken by the servicing entity. They would have the knowledge and the authority to respond to your specific questions regarding all matters concerning your individual property in this Trust."

So basically Wells Fargo LIED to me when they said it was the "Investor" that was blocking the loan modification. It wasn't it was Wells Fargo and they passed the blame onto another Bank that has no control of my mortgage.

Too big to fail and too big to tell the truth.
38 months ago: Now I'm being offered something called the Home Preservation Team. A one point of contact solution to save my home. Hmmm, I thought that "Office Of The President" was to do that, but I've had at least six (6) different "Office Of The President" people contact me.

They wanted me to Fax a "Hardship Letter", the 1,000 times I've told them I'm unemployed and am having trouble making ends meet did not matter. 8:38 AM on Sunday I got the robo call today from them.

I think this is just yet another lie from Wells Fargo, but we'll see where it goes.


37 months ago: Well I got the news officially from Kelly Leak today. Wells Fargo will do NOTHING to help me. The very same people who are partly responsible for the collapse of our economy and forcing over 15 million Americans out of a job and more than 10 million foreclosed out of their homes will not reduce my mortgage, even though there are government programs in place to do so.

Wells Fargo took 25 billion in TARP funds that were to help Americans and the greedy bastards only helped themselves. May they all rot in Hell for their actions, or better yet, may they rot in a Federal Prison for the crimes they committed against all Americans. For me and other Americans, Bankruptcy awaits and Foreclosure is on the horizon. The class war has begun and I'll be on the front lines.
37 months ago: Sorry to hear about your problems with the asshats at Wells Fargo. The banksters are truly horrible. I'm 16 months into my fight and it's just amazing to me the BS they are pulling and getting away with. I wouldn't want their karma ...

I've been keeping a list of lies, too. I'm up into the 20s now and no end in sight. http://www.wellsfargomortgagemodscam.com...

Thanks for sharing your story so the rest of us know we aren't out here alone. Best wishes to you.
37 months ago: Thanks for the link to your site. I e-mailed it to several executives at Wells Fargo and bcc'd several people in the media. I also posted the link as a Facebook status and a Tweet.

I link back to this post on every Bank, Mortgage story Tweet I see and I've built up a lot of views.

I wish you the best as well. To paraphrase their tag line.

"Wells Fargo, together the customers will get even"
37 months ago: This mornings e-mail from me to Wells Fargo

Good Morning Wells Fargo

There are a LOT more Wells Fargo Executives on the e-mail list this time, almost twice as many as before.

For the new guys on the list let me summarize and bring you up to speed.

1). Wells Fargo took 25 billion in TARP funds and helped NONE of their mortgage holders like myself.
2). I've been unemployed for over two years, and Wells Fargo has refused to help me and many others with a loan modification of any kind.
3). Various Wells Fargo employees have lied to me on many on numerous occasions.
4). I've turned to the Internet and Social Media to tell my story and expose the lies for what they are. All of which CAN and WILL be used in a Court of Law against Wells Fargo.

I found out that I'm not the only one the Wells Fargo lies too. In fact I found a lot of people that don't like Wells Fargo and have posted their stories online.

http://www.wellsfargomortgagemodscam.com...

http://wellsfargosucks.com/index.php?pag...

http://consumerist.com/cgi-bin/mt/mt-sea...

http://www.complaintsboard.com/?search=W...

http://www.my3cents.com/gSearch.cgi?cx=p...

http://www.pissedconsumer.com/?option=co...=

www.complaint.tv%2F#1006" target="_blank" rel="nofollow">http://www.complaint.tv/gsearch.cgi?cx=partner-pub-9756519274360254%3A6c8so-vgzxv&cof=FORID%3A10&ie=ISO-8859-1&q=Wells+Fargo&sa=Search&siteurl=www.complaint.tv%2F#1006

http://www.ripoffreport.com/Search/Wells...

http://www.customerservicescoreboard.com...

http://amplicate.com/hate/wells-fargo-ba...

37 months ago: This mornings e-mail from me to Wells Fargo

Good Morning Wells Fargo

There are a LOT more Wells Fargo Executives on the e-mail list this time, almost twice as many as before.

For the new guys on the list let me summarize and bring you up to speed.

1). Wells Fargo took 25 billion in TARP funds and helped NONE of their mortgage holders like myself.
2). I've been unemployed for over two years, and Wells Fargo has refused to help me and many others with a loan modification of any kind.
3). Various Wells Fargo employees have lied to me on many on numerous occasions.
4). I've turned to the Internet and Social Media to tell my story and expose the lies for what they are. All of which CAN and WILL be used in a Court of Law against Wells Fargo.

I found out that I'm not the only one the Wells Fargo lies too. In fact I found a lot of people that don't like Wells Fargo and have posted their stories online.

http://www.wellsfargomortgagemodscam.com...

http://wellsfargosucks.com/index.php?pag...

http://consumerist.com/cgi-bin/mt/mt-sea...

http://www.complaintsboard.com/?search=W...

http://www.my3cents.com/gSearch.cgi?cx=p...

http://www.pissedconsumer.com/?option=co...=

www.complaint.tv%2F#1006" target="_blank" rel="nofollow">http://www.complaint.tv/gsearch.cgi?cx=partner-pub-9756519274360254%3A6c8so-vgzxv&cof=FORID%3A10&ie=ISO-8859-1&q=Wells+Fargo&sa=Search&siteurl=www.complaint.tv%2F#1006

http://www.ripoffreport.com/Search/Wells...

http://www.customerservicescoreboard.com...

http://amplicate.com/hate/wells-fargo-ba...

37 months ago: Dear Wells Fargo

I'm in receipt of your latest letter dated 8/24/11 that reads in part:

"We're responding to your request for mortgage assistance and the options that may be available help you. We realize that the process can take some time, and we appreciate your patience while we review your options.

Here's what we found
We carefully reviewed the information you sent us and explored a number of mortgage assistance options. At this time, you do not meet the requirements of the program because:
Your pending mortgage assistance required approval from the investor that ultimately owns your mortgage, and the investor as declined the request"

This of course is one of the many LIES that Wells Fargo has ALREADY TOLD ME BEFORE.

Scroll down this e-mail trail to find the e-mail to me from LeeAnn Fabian, Executive Communications of U.S. Bancorp (otherwise known as the investor)

"U.S. Bank is neither the mortgagor nor the servicer of this mortgage. All actions taken on behalf of the Trust would have been taken by the servicer of your loan. U.S. Bank, as Trustee of the Trust, would not have been aware of any actions or proceedings taken by the servicing entity. They would have the knowledge and the authority to respond to your specific questions regarding all matters concerning your individual property in this Trust. As Trustee, U.S. Bank would not have any information to provide to you, nor do we have any control over the mortgage servicer, Wells Fargo Bank, N.A."

My guess is that Wells Fargo tells so many lies to it's customer like me that they often forget what lie they have told and that the customer has proof that it is a lie.

My ONLY option is to stay in my home. I had hoped that Wells Fargo after getting a taxpayer bailout of 25 BILLION would be in a position to help customers like me, but I now know that Wells Fargo had NO INTENTIONS of helping anybody out on their mortgage.

Wells Fargo has KNOWN for the last TWO YEARS that I was UNEMPLOYED and that I wanted a Mortgage Modification. Wells Fargo did dangle Special Forbearance to me, but then rescinded on their end of the deal and actually RAISED my Mortgage rather than lower it.

I've documented my dealings with Wells Fargo in an online post titled Wells Fargo: One Lie After Another
http://rantrave.com/Rant/Wells-Fargo-One...
It now has 859 views and climbing as I post the link to every Facebook or Twitter post about banks, mortgage modification, TARP and such topics that I can find. It's been Tweeted to numerous media outlets and politicians all the way up to President Barack Obama and the White House.

After reading my story, a reasonable person at Wells Fargo would have found a way to help, a reasonable person at Wells Fargo would have noticed that in the last two years I've shown good faith and paid my mortgage, but good luck finding a reasonable person at Wells Fargo.

Wells Fargo's "Office Of The President" staff are a joke and the constantly pass the buck and pass the customers around amongst themselves. Wells Fargo's "Home Preservation Team" is another joke, I bet it's some of the same people in the same office as the Office Of The President. Nobody at Wells Fargo even pretends to care.

Wells Fargo CEO John Stumpf is a liar. He lied to President Obama and he lied to the American people. Wells Fargo's actions clearly show how little the Bank and Wall Street cares for Middle Class Americans like myself.

Regards,


37 months ago: A reasonable person at Wells Fargo? Well, I guess there are probably quite a few of those. Unfortunately, they are working for a blood-sucking fraud factory whose corporate arrogance just completely defies reason. If they behave reasonably, I'm pretty sure they get fired.

It has been my experience that the Office of the President exists mostly to conjure up all kinds of bizarre lies and then to defend them even in light of reason and considerable evidence to the contrary. I don't think they even read what they write - just cobble together a bunch of pre-approved stock paragraphs that tell you, the deadbeat borrower, all the reasons you are at fault and do not deserve to take part in these programs supposedly designed to help you.

Have you sought help from any of your legislators - on the off chance you can find one who isn't already bought and paid for by the banksters. They can put pressure on Wells Fargo and then you get to deal with the rather more professional folks in Congressional Support. At least they return phone calls ...

Good luck!
37 months ago: This is the first time I've seen this. I wonder if my Rant had any effect?

I guess not because I'm NOT one of the people they allegedly helped.

https://www.wellsfargo.com/press/2011/20...
36 months ago: I'm about to lose everything, but in one last act of defiance I sent this e-mail to over 40 top Wells Fargo executives.

"So now if I don't pay Wells Fargo $2,390.84 in CERTIFIED FUNDS by October 4th you will accelerate me towards Foreclosure.

Wells Fargo stole $25 Billion from taxpayers like myself under TARP and did NOT ONE G*D D**N thing to help your mortgage holders and now you are trying to steal my home just like you have stolen so many others.

Thanks for NOT HELPING me Wells Fargo, thanks for F**KING me over! I worked my **** all of my life and you F**KING PRICKS screwed me out of EVERYTHING! You G*D D**N MOTHER F**KERS on Wall Street ruined the Middle Class and destroyed the American Dream for everybody but your millionaire friends.

I hope you are f**king proud of yourselves, you're destroying America one American at a time. I guess it's just my turn next.

F**k Off and Die!"
36 months ago: I found yet ANOTHER lie on their Web Site

"With the Leading the Way Home® program, our priority is to help customers manage through payment challenges – we view foreclosure as a last resort only."

https://www.wfhmconsumerevents.com/aspx/...

Wells Fargo has gone out of their way to not help me and so many others.
36 months ago: Here is a list of valid e-mail addresses at Wells Fargo. Not that they will ever answer, but at least others having the same issues I am can send them a letter.

Just copy and paste them right into your "To:" window in your e-mail program.


corpcsf@wellsfargo.com; michael.devito@wellsfargo.com; Dianne.e.Johnson@wellsfargo.com; ofsrep.repdsp@wellsfargo.com; tiffany.l.jones@wellsfargo.com; oscar.suris@wellsfargo.com; mary.eshet@wellsfargo.com; richele.j.messick@wellsfargo.com; alexandra.ball@wellsfargo.com; alanson.vanfleet@wellsfargo.com; janis.a.smith@wellsfargo.com; melissa.k.murray@wellsfargo.com; stephanie.rico@wellsfargo.com; vickee.j.adams@wellsfargo.com; theresa.a.schrettenbrunner@wellsfargo.com; lisa.b.westermann@wellsfargo.com; erin.downs@wellsfargo.com; beverly.butler@wellsfargo.com; julia.t.bernard@wellsfargo.com; diana.a.rodriguez@wellsfargo.com; sarah.toffoli@wellsfargo.com; natalie.m.brown@wellsfargo.com; caren.roberson@wellsfargo.com; bridget.braxton@wellsfargo.com; allison.miley@wachovia.com; amy.hylandjones@wellsfargo.com; kathleen.leary@wellsfargo.com; raschelle.burton@wellsfargoadvisors.com; alan.elias@wellsfargo.com; shelley.beason@wellsfargo.com; kathryn.d.ellis@wellsfargo.com; lindsay.adrian@wellsfargo.com; elise.wilkinson@wellsfargo.com; gabriel.h.boehmer@wellsfargo.com; iris.cumberbatch@wellsfargo.com; debbi.tippett@wellsfargo.com; Lfay@wellsfargo.com; john.o.roehm@wellsfargo.com; richele.j.messick@wellsfargo.com; Lance.Roberts@wellsfargo.com; cara.heiden@wellsfargo.com; mike.heid@wellsfargo.com; Kimarie.Matthews@wellsfargo.com;
36 months ago: Here is a list of valid e-mail addresses at Wells Fargo. Not that they will ever answer, but at least others having the same issues I am can send them a letter.

Just copy and paste them right into your "To:" window in your e-mail program.


corpcsf@wellsfargo.com; michael.devito@wellsfargo.com; Dianne.e.Johnson@wellsfargo.com; ofsrep.repdsp@wellsfargo.com; tiffany.l.jones@wellsfargo.com; oscar.suris@wellsfargo.com; mary.eshet@wellsfargo.com; richele.j.messick@wellsfargo.com; alexandra.ball@wellsfargo.com; alanson.vanfleet@wellsfargo.com; janis.a.smith@wellsfargo.com; melissa.k.murray@wellsfargo.com; stephanie.rico@wellsfargo.com; vickee.j.adams@wellsfargo.com; theresa.a.schrettenbrunner@wellsfargo.com; lisa.b.westermann@wellsfargo.com; erin.downs@wellsfargo.com; beverly.butler@wellsfargo.com; julia.t.bernard@wellsfargo.com; diana.a.rodriguez@wellsfargo.com; sarah.toffoli@wellsfargo.com; natalie.m.brown@wellsfargo.com; caren.roberson@wellsfargo.com; bridget.braxton@wellsfargo.com; allison.miley@wachovia.com; amy.hylandjones@wellsfargo.com; kathleen.leary@wellsfargo.com; raschelle.burton@wellsfargoadvisors.com; alan.elias@wellsfargo.com; shelley.beason@wellsfargo.com; kathryn.d.ellis@wellsfargo.com; lindsay.adrian@wellsfargo.com; elise.wilkinson@wellsfargo.com; gabriel.h.boehmer@wellsfargo.com; iris.cumberbatch@wellsfargo.com; debbi.tippett@wellsfargo.com; Lfay@wellsfargo.com; john.o.roehm@wellsfargo.com; richele.j.messick@wellsfargo.com; Lance.Roberts@wellsfargo.com; cara.heiden@wellsfargo.com; mike.heid@wellsfargo.com; Kimarie.Matthews@wellsfargo.com;
36 months ago: Eight Wells Fargo executives out of office today, (so the e-mails are going through) but it netted four new e-mail addresses to add to the list

dana.c.obrist@wellsfargo.com;
jen.hibbard@wellsfargo.com;
corrcm@wellsfargo.com;
ancel.martinez@wellsfargo.com;
Content Removed by Cully Waggoner
Content Removed by Cully Waggoner
36 months ago: Let's Play Find The Wells Fargo Fraud! - What's Wrong With This Mortgage Assignment? (Time Travel Required)

http://dailybail.com/home/lets-play-find...

36 months ago: Let's Play Find The Wells Fargo Fraud! - What's Wrong With This Mortgage Assignment? (Time Travel Required)

http://dailybail.com/home/lets-play-find...

36 months ago: Today's E-Mail to over 40 Wells Fargo Executives

"Today's Tweet

@WellsFargo Closed Checking & Savings today, will ReFi with another Bank that won't SCREW ME OVER like #WellsFargo has! http://rantrave.com/Rant/Wells-Fargo-One...

I actually could not close my Way To Save account today even though it is at $0.00 because there is .03 cents interest that is coming to me. I opened Checking at a Bank that DID NOT take 25 Billion in TARP and screw over it's customers the way Wells Fargo did to me.

I expect to refinance soon with that Bank because Wells Fargo refuses to use HARP or HAMP or any other Federal progaram to help customers like me. Hell, Wells Fargo won't even take off the $30 late fee to help the unemployed and struggling out.

FYI: When I bought my home 20 years ago it did not have a Refrigerator or Washer and Dryer in it. If (when) Wells Fargo forecloses on me those won't be in the house either!"
36 months ago: Today's E-Mail to over 40 Wells Fargo Executives

"Today's Tweet

@WellsFargo Closed Checking & Savings today, will ReFi with another Bank that won't SCREW ME OVER like #WellsFargo has! http://rantrave.com/Rant/Wells-Fargo-One...

I actually could not close my Way To Save account today even though it is at $0.00 because there is .03 cents interest that is coming to me. I opened Checking at a Bank that DID NOT take 25 Billion in TARP and screw over it's customers the way Wells Fargo did to me.

I expect to refinance soon with that Bank because Wells Fargo refuses to use HARP or HAMP or any other Federal progaram to help customers like me. Hell, Wells Fargo won't even take off the $30 late fee to help the unemployed and struggling out.

FYI: When I bought my home 20 years ago it did not have a Refrigerator or Washer and Dryer in it. If (when) Wells Fargo forecloses on me those won't be in the house either!"
36 months ago: Today's E-Mail to over 40 Wells Fargo Executives

"Today's Tweet

@WellsFargo Closed Checking & Savings today, will ReFi with another Bank that won't SCREW ME OVER like #WellsFargo has! http://rantrave.com/Rant/Wells-Fargo-One...

I actually could not close my Way To Save account today even though it is at $0.00 because there is .03 cents interest that is coming to me. I opened Checking at a Bank that DID NOT take 25 Billion in TARP and screw over it's customers the way Wells Fargo did to me.

I expect to refinance soon with that Bank because Wells Fargo refuses to use HARP or HAMP or any other Federal progaram to help customers like me. Hell, Wells Fargo won't even take off the $30 late fee to help the unemployed and struggling out.

FYI: When I bought my home 20 years ago it did not have a Refrigerator or Washer and Dryer in it. If (when) Wells Fargo forecloses on me those won't be in the house either!"
36 months ago: Today's E-Mail. I guess they did not bother to read the one yesterday.


Subject: Fw: Wells Fargo Bill Pay: Payments Canceled

"Our records indicate that your Wells Fargo checking account XXXXXXXXX3375 that is
linked to your Bill Pay service for fees and payments has been closed or is no longer available"

NO ****!

I closed it yesterday as I have opened another Checking Account with another bank that DID NOT rip the U.S. off using TARP the way Wells Fargo did. I tired to close the Way To Save account as well, but was told that there is 3 cents that is due to be credited to it and Wells Fargo could not close an account with a transaction pending. You guys are not exactly the brightest bulbs in the lamp now are you.
36 months ago: Tweet:

@WellsFargo So the same week I closed my two #WellsFargo accounts you send me a new ATM Card?

How seriously stupid are these people. I let them know a month ago I was going to close the accounts when pending bills had cycled through. I guess they don't bother to put notes on the accounts after all.
36 months ago: On September 4th, 2011 Wells Fargo sent me a letter stating I needed to pay $2,390.84 in Certified Funds before October 4th, 2001 (tomorrow) for the loan to be current to avoid the possibility of acceleration to foreclosure. On September 29th, 2011 that amount was sent from my new bank account.

My Statement dated September 19th, 2001 said I owed $3,240.22 because you greedy bastards were applying the October payment even though it WAS NOT DUE YET!

When I LogIn to my accounts on WellsFargo.com I can see that says my Next Payment Due is 07/01/11. Really? My next payment is due 3 MONTHS AGO? I also DO NOT see the $2,390.84 that I know you already have applied to my account yet. I attached a screen shot to prove it.

Technically, I'm current with my mortgage, only owing this month's October payment. However, I can't tell that by looking at Wells Fargo now can I. Clearly your Online Banking suck even more than your regular banking and whoever is in charge of it needs to be fired.

Now this e-mail goes out to 46 valid Wells Fargo e-mail addresses and 44 of them are direct to Wells Fargo executives while the other 2 go to generic corporate addresses that somebody must read. I'm guess that most of the 44 Wells Fargo executives don't bother to read these e-mails anymore, let alone read my constantly updated account of the my story of dealing with Wells Fargo.

http://rantrave.com/Rant/Wells-Fargo-One...

That's fine, just feel free to delete me unread (yes, I can tell) but know that ALL 43 of you CAN AND WILL BE SUBPOENAED if and when Wells Fargo takes my case to foreclosure. I look forward to seeing and hearing you in Court explain WHY it was all of you ignored my e-mails and why I was constantly refused any sort of mortgage modification for the last two years.

I've been unemployed for nearly 2 ½ years and my unemployment compensation ran out long ago, yet I'm trying to make my mortgage payments and Wells Fargo has done NOTHING but lie to me instead of help. So why is it when I do scrape up enough to make a payment Wells Fargo REFUSES to apply it to my account?
36 months ago: Today's Tweets

@Ask_WellsFargo Been unemployed for 2 ½ years. When I scrape up enough to make a payment Wells Fargo REFUSES to apply it to my Acct. Why?

@WellsFargo On WellsFargo.com I can see that says my Next Payment Due is 07/01/11. Really? My next payment is due 3 MONTHS AGO? Idiots!
36 months ago: Wells Fargo reports 716,945 active trial and completed modifications through August 2011, http://bit.ly/neRx4L.


@WellsFargo Funny that it's Wells Fargo reporting & not other sources, I think it's another LIE, Read the others here http://rantrave.com/Rant/Wells-Fargo-One...
35 months ago: Today's E-Mail:

I bet Wells Fargo Bank can get 1 million haters before any other bank!

https://www.facebook.com/pages/I-bet-Wel...

So how's that "Together We'll Go Far" thing working out for you guys? Don't worry I'm sure Wells Fargo can get 1 million haters on Facebook before any other bank, even Citibank.


Did you see I got 500 more views on my Wells Fargo story since the last e-mail! Got to love Twitter.

http://rantrave.com/Rant/Wells-Fargo-One...


Too bad NOBODY at Wells Fargo wants to fix any of this. Whatever, I know NONE of you care about people like me anyways.

Enjoy
35 months ago: Today's E-Mail:

I bet Wells Fargo Bank can get 1 million haters before any other bank!

https://www.facebook.com/pages/I-bet-Wel...

So how's that "Together We'll Go Far" thing working out for you guys? Don't worry I'm sure Wells Fargo can get 1 million haters on Facebook before any other bank, even Citibank.


Did you see I got 500 more views on my Wells Fargo story since the last e-mail! Got to love Twitter.

http://rantrave.com/Rant/Wells-Fargo-One...


Too bad NOBODY at Wells Fargo wants to fix any of this. Whatever, I know NONE of you care about people like me anyways.

Enjoy
34 months ago: I'm in receipt again of one of your "Acceleration Threat Letters". Today, I made a payment of $837.92 or half of the amount you demand that I pay you. This covers October 2011 plus Late Fees, because God knows I want you to rape me for as much money as you can.

So don't try and use HAMP to refinance me and save me any money. Feel free to jerk me around and lie to me about HAMP like you did so you can continue to make at least 3% more Interest than the going Rate right now. This is what the Occupy Movement is all about, perhaps I should have Occupy Miami camp out at my house for a day so I can have the local press cover what you are doing to me. I'm sure you are doing it to others too.

I also note that you just make up fees. There is $40 listed as "Other Fees". What are these fees for and why are you jacking me on them too? It's not enough that I've been largely unemployed for 2 ½ years, yet I'm only a month behind and you are trying your very best to foreclose on me, now you feel the need to make up unnamed fees for what reason?

As usual I updated my story on RantRave
33 months ago: A New Year is upon us and while I don't normally make New Years Resolutions, I will make one this year. "Get Rid Of Wells Fargo"

I've already closed Checking and Savings, except for my Way To Save account, Wells Fargo would not close it due to $3 that was going to be deposited, but last I looked it was at $0. Now all that is left is my Mortgage and my Equity Line of Credit, both of which I plan on moving to a more reputable bank in 2012.

I moved my money to a bank that DID NOT take $25 Billion in TARP funds and screw over the American Middle Class Taxpayers the way that Wells Fargo did. I'll be moving my mortgage over in a few months. After over 2 ½ years I landed what I hope to be a steady job. In a few months I'll refinance at today's lower rates that Wells Fargo refuses to do for me. I guess Wells Fargo likes to rape customers at nearly twice the mortgage rate, at least they like raping me.

Although technically Wells Fargo is NOT my mortgage holder, they are just the "Servicer". A term they use to lie to people like me when they say they are not allowed to modify their mortgages. My mortgage, like so many other American's mortgages was sliced up in a CDO, (Collateralized debt obligation). My mortgage is in a Trust and it is held by an "Investor", which is another Bank, U.S. Bank which is owned by U.S. Bancorp that took only 6.6 Billion in TARP funds.

What about HAMP you ask? Well yes the Home Affordable Modification Program was formed in February 2009 to help homeowners like myself, but Wells Fargo did not even offer it to me until October 2010. Even then after I got the Special Forbearance and made the lowered payments on time, Wells Fargo lied to me and rescinded the offer right after I sent the last of the three payments.

What I find appalling is that Wells Fargo claims to have saved so many mortgages, something like 750,000 or more. Yet, Wells Fargo is the ONLY source for this number. It does not come from any Federal Program designed to help homeowners. I for one think it is just another one of Wells Fargo's lies. After all Three Quarters of a Million people got help from Wells Fargo and NOT ONE of them Tweeted a Thank You?

My story, http://rantrave.com/Rant/Wells-Fargo-One... lives on. It has climbed all the way to the top of my Rants, even though I have not Tweeted the link for several weeks. I'm not the only one complaining about Wells Fargo, there are whole web sites and Twitter accounts now dedicated to spreading the news about Wells Fargo REALLY does.

So in 2012 Wells Fargo can kiss my **** goodbye, so each and every one of the 40 plus Wells Fargo executives getting this e-mail can pucker up. I'll get a bank that DID NOT take TARP funding and DID NOT screw over me and my fellow Americans to take over my mortgage.
Content Removed by Cully Waggoner
33 months ago: A New Year is upon us and while I don't normally make New Years Resolutions, I will make one this year. "Get Rid Of Wells Fargo"

I've already closed Checking and Savings, except for my Way To Save account, Wells Fargo would not close it due to $3 that was going to be deposited, but last I looked it was at $0. Now all that is left is my Mortgage and my Equity Line of Credit, both of which I plan on moving to a more reputable bank in 2012.

I moved my money to a bank that DID NOT take $25 Billion in TARP funds and screw over the American Middle Class Taxpayers the way that Wells Fargo did. I'll be moving my mortgage over in a few months. After over 2 ½ years I landed what I hope to be a steady job. In a few months I'll refinance at today's lower rates that Wells Fargo refuses to do for me. I guess Wells Fargo likes to rape customers at nearly twice the mortgage rate, at least they like raping me.

Although technically Wells Fargo is NOT my mortgage holder, they are just the "Servicer". A term they use to lie to people like me when they say they are not allowed to modify their mortgages. My mortgage, like so many other American's mortgages was sliced up in a CDO, (Collateralized debt obligation). My mortgage is in a Trust and it is held by an "Investor", which is another Bank, U.S. Bank which is owned by U.S. Bancorp that took only 6.6 Billion in TARP funds.

What about HAMP you ask? Well yes the Home Affordable Modification Program was formed in February 2009 to help homeowners like myself, but Wells Fargo did not even offer it to me until October 2010. Even then after I got the Special Forbearance and made the lowered payments on time, Wells Fargo lied to me and rescinded the offer right after I sent the last of the three payments.

What I find appalling is that Wells Fargo claims to have saved so many mortgages, something like 750,000 or more. Yet, Wells Fargo is the ONLY source for this number. It does not come from any Federal Program designed to help homeowners. I for one think it is just another one of Wells Fargo's lies. After all Three Quarters of a Million people got help from Wells Fargo and NOT ONE of them Tweeted a Thank You?

My story, http://rantrave.com/Rant/Wells-Fargo-One... lives on. It has climbed all the way to the top of my Rants, even though I have not Tweeted the link for several weeks. I'm not the only one complaining about Wells Fargo, there are whole web sites and Twitter accounts now dedicated to spreading the news about Wells Fargo REALLY does.

So in 2012 Wells Fargo can kiss my a** goodbye, so each and every one of the 40 plus Wells Fargo executives getting this e-mail can pucker up. I'll get a bank that DID NOT take TARP funding and DID NOT screw over me and my fellow Americans to take over my mortgage.


PS: Just for fun I Bcc'd this e-mail to a number or reporters and media outlets that have done stories on the financial crisis in the past. Maybe it's time my story went mainstream and we start finding others that Wells Fargo lied too.
33 months ago: A lot of Out Of Office Auto Replies, added 4 more names to the Wells Fargo Executive E-Mail list.

Kimarie.Matthews@wellsfargo.com;
michael.devito@wellsfargo.com;
corpcsf@wellsfargo.com;
Dianne.e.Johnson@wellsfargo.com;
ofsrep.repdsp@wellsfargo.com;
tiffany.l.jones@wellsfargo.com;
oscar.suris@wellsfargo.com;
mary.eshet@wellsfargo.com;
richele.j.messick@wellsfargo.com;
alexandra.ball@wellsfargo.com;
alanson.vanfleet@wellsfargo.com;
janis.a.smith@wellsfargo.com;
melissa.k.murray@wellsfargo.com;
stephanie.rico@wellsfargo.com;
vickee.j.adams@wellsfargo.com;
theresa.a.schrettenbrunner@wellsfargo.com;
lisa.b.westermann@wellsfargo.com;
erin.downs@wellsfargo.com;
beverly.butler@wellsfargo.com;
julia.t.bernard@wellsfargo.com;
diana.a.rodriguez@wellsfargo.com;
sarah.toffoli@wellsfargo.com;
natalie.m.brown@wellsfargo.com;
caren.roberson@wellsfargo.com;
bridget.braxton@wellsfargo.com;
allison.miley@wachovia.com;
amy.hylandjones@wellsfargo.com;
kathleen.leary@wellsfargo.com;
raschelle.burton@wellsfargoadvisors.com;
alan.elias@wellsfargo.com;
shelley.beason@wellsfargo.com;
kathryn.d.ellis@wellsfargo.com;
lindsay.adrian@wellsfargo.com;
elise.wilkinson@wellsfargo.com;
gabriel.h.boehmer@wellsfargo.com;
iris.cumberbatch@wellsfargo.com;
debbi.tippett@wellsfargo.com;
Lfay@wellsfargo.com;
john.o.roehm@wellsfargo.com;
Lance.Roberts@wellsfargo.com;
mike.heid@wellsfargo.com;
dana.c.obrist@wellsfargo.com;
jen.hibbard@wellsfargo.com;
corrcm@wellsfargo.com;
ancel.martinez@wellsfargo.com;
Emma.Gutierrez@wellsfargo.com;
Melissa.Breman@wellsfargo.com;
marie.a.deguzman@wellsfargo.com;
jim.seitz@wellsfargo.com;
33 months ago: It's as if I were Psychic, I get a Certified Mail Letter from the Wells Fargo Home Preservation Team. They want to meet with me. These are the same bozos that have failed for the last 2 ½ years to do anything to help me preserve my home. So what can they offer me this time?

So already the lies for 2012 are starting to take shape.

Stay tuned.
33 months ago: Awww, poor John took a pay cut of 2,366,825 in 2010 from 2009


John G. Stumpf
Chmn. Pres. & CEO
WELLS FARGO & CO (WFC)
Headquarters: SAN FRANCISCO, CA

In 2010, John G. Stumpf received $18,973,722 in total compensation. By comparison, the median worker made $33,840 in 2010. John G. Stumpf made 560 times the median worker's pay.

http://www.aflcio.org/corporatewatch/pay...
33 months ago: Here we go again. Wells Fargo wants a second Hardship Letter and updated Expense form faxed to them.

I can't help feel like Chalie Brown running to kick the ball as Lucy (Wells Fargo) pulls it away from me again.
32 months ago: Grandma Got Run Over By Wells Fargo

http://www.youtube.com/watch?v=R0yC3uCLR...


32 months ago: I love this story

http://activerain.com/blogsview/2706373/...

I'll include the link in my next e-mail to Wells Fargo
32 months ago: Two different people at Wells Fargo sent me Loan Modication Forms with two different deadlines to return them. Here is my latest e-mail to the 70 plus Wells Fargo executives.

"Dear Kelly Leake and Chris Ryan

Sorry it looks like I missed your deadline of today, Jan 11, Chris for getting the forms and information back to you. I only got them this past Saturday, thanks for giving me SO much time. Meanwhile I still have time left of Kelly's deadline of January 19th and I may be able to have them back to Wells Fargo before then.

Oh and Chris thanks for the heads up that I cannot give Wells Fargo my Online Banking printouts, that I HAVE to have them come from the Bank. Sure it means having to drive to a branch to do it, but what does Wells Fargo care? I'm now looking over that Checklist for any other "gotchas" that you guys may use against me.

Not that you care, because I know you don't, but my father in-law has been in the hospital since last Friday afternoon with stomach cancer. So we really have other things on our mind that trying to save our home. We have yet to hear what Stage it is as he had kidney failure and they could not do the CT Scan.

Anyway, back on topic. I will gather up all the information for Wells Fargo so you can deny me a loan modification again. I don't know why I bother. I feel like Charlie Brown to your Lucy. You're holding the football and I want to kick it and you let me run up and try to kick it, only to pull it away from me at the last minute.

I understand why. You enjoy raping me at 7% interest, nearly TWICE the current interest rate, and you 1%'ers just love making money, so why reduce it by lowering a lowly 99%'ers payment. Besides who needs a house we all live in tents in parks now right?

In the meantime I found another cool news item you might want to read.

http://activerain.com/blogsview/2706373/...

Regards,

Cully Waggoner"
32 months ago: I got an odd Auto-Responder back last night.


"Wed, January 11, 2012 11:10:35 PMLoan Modification Paperwork [Contains Offensive Language]
From: "do-not-reply@wellsfargo.com" Add to Contacts
To: cullywaggoner


--------------------------------------------------------------------------------

The message sent to allison.miley@wellsfargo.com was not delivered. The message contained word(s) which we have deemed inappropriate to use in email. For more information on spam and other email filters, please visit . Please report problems to Technology Connection at (877) 932-1852,option 3,2,2 or your local support team."


I wonder what word(s) they found offensive? Perhaps the F-Bomb I dropped many E-Mails ago (I forward back the whole E-Mail Trail every time). Even more odd is I got this back from only one of the e-mail addreses I sent it too.
32 months ago: I found this on Twitter.

http://www.customerservicescoreboard.com...

Like we didn't know they suck, now we have proof.

Oh, and I e-mailed the link to the 70 plus executives on my list, won't they have a fun Tuesday.
32 months ago: So if this puff piece story is true…

http://www.forbes.com/sites/halahtouryal...

…why have I been shafted by Wells Fargo?


I sent in documents to the Kelly Leake on the Home Preservation Team and they were intercepted by Chris Ryan who is in the Office of the President. I still have not got an answer from Wells Fargo.
32 months ago: Wells Fargo economist: Housing recovery could be decade away
http://www.bizjournals.com/charlotte/blo...%29


In plain English these guys screwed most over worse than we thought.
32 months ago: Binding Arbitration: Wells Fargo Taking Away Customers' Rights
http://www.consumerismcommentary.com/bin...


So what else is new? Do what I did take your money off of Wells Fargo you'll be glad you did.
31 months ago: Insider Says Wells Fargo's Independent Foreclosure Review for OCC is "a Sham"

http://mandelman.ml-implode.com/2012/02/...


31 months ago: I just got a lot of Mailer Daemons back from an E-Mail I sent to Wells Fargo TWO months ago.

"Message expired for domain wellsfargo.com"

So is Wells Fargo trying to change their e-mail domain so they won't get anymore pesky e-mails from me. Until I find out what the new domain is.

In other news I entered into another Special Forebearance again with Wells Fargo. So in three months I expect they will rescind the offer again and once more try to foreclose on me.
30 months ago: I just read this on Facebook and it gives more insight into what goes on at Wells Fargo. I can tell you from firsthand experience that the "Black Hole" exists, I have faxed documents into never to be seen again. It took a numerous phone calls and a few tries at faxing before they "found" them.

https://www.facebook.com/#!/ihatewellzfargo/posts/377796255564974
30 months ago: So I make my first payment under this second Special Forbearance that I'm under and a week later I get a call from Wells Fargo saying they did not get it. Really? It takes no more than TWO Days to pay Online, so they GOT it. Wells Fargo just does NOT post it for about a week. Two days after that call I get another one, "OK we got it, it was late but within the limit". No, it was NOT late, that is just another lie Wells Fargo has told me.

It's early March as I write this, in early May after I make the last of the three special payments I predict Wells Fargo will screw me over again. Place your bets.
29 months ago: Well it's early May so here's the next e-mail. Things just took a nice turn.

"Good Morning Well Fargo

So what is going on with my Special Forbearance and Mortgage Modification? My third and final payment was sent via TD Bank Online earlier this week so it should have cleared by now, even though Wells Fargo takes a week to post it for some reason.

I have heard NOTHING from Chris Ryan who I last spoke to about the second payment being just a couple days past due. At the time he thought it would not be a problem, but I never heard any conformation back about it.

Good new, bad news. Today is my last day with Worldwide Computers and I expected to be back on unemployment, however I got a job that I just started training with yesterday. It's with Practical Solutions Group and I will be dealing with people dealing with their banks in Foreclosure like myself.

The good news I should still have an income, the bad news, for Wells Fargo is now I know even more about the Loan Modification Scam and if and when I need a lawyer, I can get one at a nice discount.

Remember, E-Mail IS admissible in a Court of Law and EVERYBODY on this E-Mail list will get a Subpoena to Appear just so they can tell the Judge what actions they did or did not do in my case.

Regards,

Cully Waggoner"
28 months ago: As a homeowner, I know firsthand what it is like to have financial difficulties due to the economy and get behind on mortgage payments. I have Wells Fargo myself and have spent the last 2 ½ years fighting with them for a Loan Modification, I detailed my story here

http://www.rantrave.com/Rant/Wells-Fargo...

I know that Loan Modification is all but nonexistent without good legal representation. I now represent Practical Solutions Group. I'm a Consumer Advocate and I help people struggling with their mortgage companies every day to work at saving their home. If you are struggling with your mortgage company or know somebody that is, I want to help you. Call me at 877-388-1938 Ext. 2219 for a free no obligation Case Analysis.

I especially like helping out people with Wells Fargo as I want to help them get back at Wells Fargo for what they did to me and the rest of us.

Cully Waggoner
Consumer Advocate
Practical Solutions Group
Office: 877-388-1938 Ext 2219
Fax: 305-238-7591
E-Mail: cully@123psg.com
Hours: Mon-Thurs 1 PM - 10 PM, Friday 11 AM - 7 PM
28 months ago: Wells Fargo Accused Of Offering Deceptive Mortgage Modifications

http://www.huffingtonpost.com/2012/05/14...
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Content Removed by Cully Waggoner
27 months ago: Dear Wells Fargo

I am in receipt of your last letter dated June 5, 2012 from Leann Miller. As if the news in that letter was not depressing enough, shortly after reading it today I got a call on my Home Phone from the Wells Fargo Equity side which made me downright suicidal. The manager that was put on the phone was hideous and the prime example of why there is the Occupy Wall Street movement. I failed to get her name, but I know you can look her up using your records, perhaps you should listen to the call yourselves.

The irony is that the letter came 3 years to the day of my firing from my last long term job. Since that date 3 years ago I have been employed a total 8 months among 3 different companies earning less than $12,000 combined.

My current job is a 1099 straight commission, I chose it based on my sales background and my plans to earn far more than a $8 to $10 an hour W2 based job. So far I it has not panned out. So far since May 3rd, 2012 I have earned $500.00 with another $100.00 due to me on June 20th. I hope to close more deals, but if that does not happen my plans are to quit after being paid on the 20th and look for another job, maybe two, which are all but impossible to find.

I want to work with Wells Fargo, but so far the terms presented by Wells Fargo are not what I can agree too. I simply can't do a Loan Modification that will have me making mortgage payments into my 80's. The Equity side also offered to do a Loan Modification, but I turned that down as I can't be making TWO mortgage payments into my 80's either. I'm now forced to take a serious look at Bankruptcy to protect what little I have left.

On the bright side Wells Fargo is about to Foreclose on my house, about to ruin all that I worked so hard for the last 20 years, about to plunge my life into a living Hell. I honestly don't think anybody at Wells Fargo cares, and after speaking with that manager on the Equity side, I think that proved it.

Speaking of the Equity side, that loan was to make repairs to the home, repairs that never got completed because the loan was frozen by Wachovia years ago. One of the things done was to remove a large tree that had roots that cracked the concrete patio slab. I also have reason to believe that roots cracked the house slab as well as there is water damage in the master bedroom that happened during a rainy period many years ago.

So it looks like Wells Fargo is about to inherit a house with a cracked slab that just might be deemed an unsafe structure by the County. Also, since I bought my home from the builder in 1990 without major appliances in it, There is other areas that need work too like the shower in the master bath with the dry wall rot behind the tiles and water damage to the laminate flooring in other parts of the house. Wells Fargo gets the house without a refrigerator, washer, dryer or any other major fixtures that I upgraded the house with. Don't worry though you can always advertise it as a "fixer-upper" when you try to sell it.

Regards,



Cully Waggoner
27 months ago: So How Was Your Day?

My day started with bad news in the form of a letter from Wells Fargo Home Mortgage. It was followed up by an ill timed phone call from Wells Fargo Equity Lines and a very snotty manager, who I did not ask to speak with.

I made a mistake when speaking with that manager and again in an e-mail. I mentioned on the phone about the Wells Fargo customer who committed suicide when Wells Fargo foreclosed on him and after the phone call I reiterated in print that I felt the same way using the term suicidal. To be clear I never said I was going to commit suicide, only that Wells Fargo made me feel the same way as the homeowner that committed suicide when Wells Fargo foreclosed on him.

Norman and Oriane Rousseau of Newbury Park, California are who I was speaking of, but I could not recall the details at the time. Here is a link.

http://www.alternet.org/news/155442/well...

"Norman Rousseau finally gave up and shot himself in despair – two days before the scheduled eviction."

How many other Wells Fargo mortgage holders have felt this way I wonder? How many people have felt this same desperation at the hands of Wells Fargo when they were foreclosed upon? I was trying to convey that same feeling of desperation and apparently it was misunderstood.

So Wells Fargo decided to have Miami-Dade Police dispatched to my home while I was at work. The officer arrived and spoke to my teenage son. My son called me on my Cell Phone while I was at work and put the officer on the phone. We spoke for a few minutes and I assured the officer that I was in no way going to harm myself. I was expressing a feeling a desperation that I have had for the 3 years that I have battled Wells Fargo to get a Loan Modification. The officer understood as he went thru much the same thing before losing his home to foreclosure.

I was now even more distressed and I had to leave work. So I lost the opportunity to earn any commissions tonight thanks to Wells Fargo's action. The irony is the I'm a Consumer Advocate for Loan Modifications and every night I listen to other people's horror stories, including people who have Wells Fargo. I try to help them and get them enrolled in a legal plan to protect them from foreclosure.

SO LET ME BE CLEAR

I AM NOT NOW NOR HAVE I EVER BEEN A VIOLENT THREAT OF HARM TO MYSELF, MY FAMILY OR MY FRIENDS. I'M NOT A THREAT IN ANY WAY SHAPE OR FORM TO ANYBODY AT WELLS FARGO, EVEN THE PEOPLE THERE THAT DIRECTLY LIED TO ME OVER AND OVER AGAIN OVER THE LAST 3 YEARS.

I WILL FIGHT WELLS FARGO VIA THE FLORIDA COURT SYSTEM AND ANY OTHER MEANS NECESSARY AND DO WHAT I CAN TO PROTECT MY HOME AT ALL COSTS. THIS INCLUDES PROTECTING MYSELF IN BANKRUPTCY IF NEEDED. WELLS FARGO HAS TAKEN OVER 30 BILLION IN TAXPAYER MONEY THAT WAS TO HELP HOMEOWNERS AND DONE NOTHING OTHER THAN PAY THEIR CEO UPWARDS OF 20 MILLION A YEAR.

So what's next? Nobody seems to care about what banks like Wells Fargo are doing to homeowners like myself. Not the White House with that lame copy and paste one size fits all reply they sent. Not my members of Congress like Nelson, Rubio or Diaz-Balart two of which failed to even respond to my e-mail. Not the news media who I bcc'd in a previous e-mail (and this one too). If it bleeds, it leads but there's no drama because I didn't kill myself. Perhaps a Bath Salts Crazed Zombie will get me instead, maybe then they would write about it.

By the way, my little rant has topped 4,000 views, so somebody is following along

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19 months ago: A friend just sent me the link to your rant. I notice it's been 8 months since you last posted and I am wondering if anything has happened since then. The evil greed and lies of Wells Fargo's Officers have ruined my life, too.

Wells Fargo Bank put me on an Unemployment Forbearance Plan when I lost my job while applying for a Loan Modification. There was a government-sponsored unemployment plan in which the government would have paid my mortgage for 9 months, but Wells Fargo put me on their on plan. All the documentation, including the receipts when I paid in person at my local Wells Fargo branch referred to the money I was giving every month as my "mortgage payment." Imagine my surprise when I got a Notice of Intent to Foreclose even though I had been paying every month, on time, the amount I had been told to pay! At first I was told it was a "computer glitch," but after many phone calls, letters, and even discussions with the manager of my local Wells Fargo branch, I came to learn that the money was not being counted as payments; it was considered "miscellaneous funds." There was a balloon amount due, which I had not been told about, plus thousands of dollars in "late fee" and fees related to the foreclosure process. I was further advised that Wells Fargo would go forward with the foreclosure even if I made back payments -- the only way I could stop the procedure was to pay everything in full, including all the fees Wells Fargo added. I was told any money less than that was a "gift to the bank." I have proof -- written documentation -- of much of this. I have receipts marked "mortgage payment," I have the Notice of Unemployment Forbearance plan that referred to the amount as my "new mortgage payments," and I have my monthly statements that said the statement did not reflect my special plan and I should keep making payments according to the plan. How could that not be enough? (Note: at the time I was put on the plan, I had never missed a payment, and could have continuing paying the full amount for a long time. I thought the plan was government-sanctioned to help the economy.)

To further complicate the matter, I filed for bankruptcy to at least get some of the equity out of the house, as I would get up to $175,000 in a Homestead Exemption if the house was sold through bankruptcy. But Wells Fargo produced a fake Grant Deed, claiming it believed it came from me, and used it to get around the laws and sell my house (to itself) while I was in bankruptcy. I have absolute proof of the lawyers' perjury -- they stipulated that the house was part of someone else's bankruptcy even though I had shown them proof it was not. They stated that the fake Grant Deed was the reason the house had not been sold earlier, when I had a Court Order prohibited them from selling it. They kept fighting my case in court, even though, supposedly, they believed the house was no longer mine, contradicting some of their own testimony.

The lawyer for Wells Fargo put in writing that the bank would not try to obtain possession of my home until these issues were resolved -- then filed an Unlawful Detainer.

I will be homeless in about 2 weeks.
19 months ago: Well last year Wells Fargo did offer me a "Loan Modification" in the form of a new 30 year loan at a lower Interest Rate. Great, I've paid 20 years so far and now they want me making mortgage payments until I'm in my 80's. Great plan, right?

I too made payments to Wells Fargo, but they were NEVER applied to my Mortgage. Not only that Wells Fargo cut off my Online Access so I can't see that they are not applying that money. So I stopped paying them as we dance around what we will do next.

As with you, Wells Fargo demanded all the past due in one lump sum, while before I was paying monthly but was always a couple months late. I don't have the lump sum and Wells Fargo will not look at any other options.

After last year's loan modification I again lost my job, which was not really paying enough at all anyways. I found a new job late last year at about 20k a year, less than half of what I used to make just 4 years ago.

In my case I have some money coming from an inheritance and I stall and delay as much as I can and hopefully I can have it all closed out in a couple months.

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