Wells Fargo paid Home Insurance both to the old insurance company and new insurance company, leaving my escrow to $0 balance.

I have several emails that Wells Fargo receive the new policy in time for my refinance.

I am very disappointed in the service with Wells Fargo home mortgage and sorry I used them

If you can just shop around do not use this company.

Bought 2 homes in GA. First in Stone Mountain, GA in 1995 and second in Lafayette, GA in April 2003. Problems started in 10/13
Homes were on autopay and mortgage deducted from bank when due. On 9/1/13 payment on Lafayette home was made on time as usual. In November we received a letter stating that "notice just received that house in Atlanta was on bankruptcy." (This house had been in bankruptcy for almost 2 years and they had been notified back then! The situation had been resolved and autopayments were resumed.) In Nov. 2013 they stopped the autopayments without notifying us for almost 2 months! Our Oct. payment that was made on time was put on "payment reversal and deducted!" When I called, they put it back on after much discussion and said they 'found' it but we owed for November. We paid Nov and Dec over the phone by check $1129.40 but it didn't change our Principal Balance! I renewed automatic payments and 1/2/14 $593.61 was paid on time but the principle balance still didn't change! Also on 1/6/14 payment reversals started.....22 times on one day including the payment made on 12/9/13 for $1129.40 and the payment made on 1/2/14 for $593.61. The principal balance started going up from $64,223.93 to $68,200.27! On Jan. 8, 2014 they described "payment" 7 times @ $0 but the principle balance did go down to $68,200.27. When I called again on this they told me that my balance was "never that low!" I explained that I was looking at it on my bank statement right then! Still I was told that it was never that low! Now 2/16/14 I checked my Transactions for past 6 months and things are changing but zig zagging back and forth! Now they have 1/6/14 Principle Bal. @ $64,223.93, then $64,399.54, then 64,574.28 all the way to 69,724.13 on the same day! On 1/8/14 it is $69,123.69 to $68,200.27. On 2/3 $68,200.27 to $68,043.66.
Why is it going up and down so many times? What happened to deductions from $64,223.93? Something is not right, where is our money going? No one will give me an answer!! Why does it take MONTHS to correct? Where has our money gone?

"The suggestion to "follow the process" is ridiculous and stupid."

Yes, it is better to make things up in your mind and expect that is the correct course of action.

My experience was the same. The suggestion to "follow the process" is ridiculous and stupid. Wells Fargo cannot even tell you the correct steps in the process from one day to the next. I went through exactly the same issue - got the finish work completed in September of 2011 and Wells Fargo took until February to complete their end - the inspections, sending the same paperwork 3 times, thinking paperwork was needed when we had already advanced three levels past the point where it was needed, etc. Wells Fargo constantly displays nothing other than uncaring incompetence.

Sorry to hear about all the other folks having problems, but at least I am reassured it is not me who is confused. I too have an insurance check that I need to have Wells Fargo endorse so I can pay it to the contractor who replaced my roof after a hails storm. In January contacted the Loss Document department and was given a very confusing list of SEVEN steps that needed to take place before I could obtain the endorsement. I send them this, they send me that, they schedule and inspection... I complied with the first step, and they never responded. I am trying to get in touch with them again, but can't even find a phone number on the Internet. This has already been time consuming and frustrating, and I am not even to step two in the exceedingly complicated process. If anyone knows how to actually get something done with this group, any advice would be welcomed.

"If anyone knows how to actually get something done with this group, any advice would be welcom"

Follow the process.

This company has been giving me the run around with loan modification process for a year now. A class action suit needs to be filed in Florida against this company's practice. First, tried to be proactive and applied to refinance loan to a smaller payment. Denied several times. Then, called to ask for a loan modification, after an hour on the phone they said they were sending the loan mod package in the mail to look for it. As soon as I get it, complete and send back. After almost 2 weeks of waiting, I called they kept saying it was coming in mail. After month, I gave up waiting for them to come in the mail and found the documents online. I completed them and faxed it to them. Then I get a call from a "relationship manager" who tells me I qualify for trial period to reduces my payments to a comfortable payment for 3 months meanwhile, I receive a foreclosure notice in the mail. I asked if this will stop foreclosure, they say yes as long as I make the payments. So I agree, I ask if they could put in writing and fax confirmation to me. They say no to fax but agree to mail the documents. They also said since payment won't be due for 2 months, that will be enough time for documents to be received. Well documents never came despite my countless request. I was told the documents were not necessary, trial period was still valid. So I made the payments as instructed each time documenting the payment, sending registered mail and follow-up call and fax to the "Relationship Manager (RM)" who ignored me during the entire trial period. After the 4th payment, I get a call from the RM who informs me that I still am not modified and will need to resubmit an application again. What!!! Of course now that the government is on their tail for their tall tales and screwing with the homeowners they are suppose to be helping the gov help, they have a documented process and are trying to making seem like it's the irresponsible homeowner's fault, I say BULLS#it!!! These people need to be held accountable for mismanaging this practice and causing more grief than relief. Are there any class action suits in Florida? I like to sign up NOW.

Wells Fargo does not comply with any requests from the borrower. They then said to call Freddie Mac, and Freddie Mac sent me back to Wells Fargo. They sent me a letter telling me that there was a shortage in my escrow account due to hike in insurance. Well I changed insurance companies and they took an extra $200.00 out of my bank account without my permission to do so. I called and had several supposed customer service agents who were nasty, condescending, and it took over 2 hours and nothing was settled, just nasty responses from the bank. My house is so underwater, because they added on payments in their loan modification program, that put another $30.000.00 onto my mortgage. I lost my entire down payment. Wells Fargo plays nasty psychological games and has the worst customer service possible. When I lost my job, I tried to pay the next payment years ago and they would not accept that, they immediately put a foreclosure on my home. If you want to incur nothing but frustration and aggravation go with Wells Fargo, otherwise stay far away from them.

So you can't pay what you owe, expect them to lower your payments, and want to sue them? THEY should sue YOU for defaulting on your loan. The worse thing Obama did was convince Americans that they had no responsibility for their own debts.

I can only tell you that I have been abused, lied to, called a liar and have basically been treated as the worst scum of the earth.
my story is way too long but the truth is Wells Fargo will twist and lie and then state on your files only the words that favors them!
this company has put me in 4 foreclosures! They stated I was behind 3,4,5 months. They put my funds into account suspension without my knowledge. Then they had the gall to demand thousands, including late fee, lawyer fees, $15 inspection fees 3-4-5 X's a week without my knowledge! They said they informed me each time, left notes, I was never home. I had major surgery trust me I was home. This went on for months. To top it off they took lawyer fees, fines months before the paperwork was even filed taking my actual mortgage payment to pay these scam lawyers and then request lawyer fees in the foreclosures notice!!!! Oh yea another scam on behalf of wells Fargo and its lawyers!!!! Watch everything! Check your state to see proper follow up before actual foreclosures intent is done to you. They broke 3 rules which I will shove up there behinds!you r first to receive a notice advising you of that missed pymt. Then if no pymt received a notice of default. If after 2-3 months you refuse or cannot get assistance (which trust me you wont) a letter known as a notice to cure is sent advising all past due amounts are due in 30 days. State law in my area requires that prior to commence foreclosures NOTICE TO CURE MUST BE SENT! Never, not once in my 4 foreclosures was this done! It iscalso required by my state that a ACCELERATION LETTER be sentvbefore any filing of a petition can happen. You must also receive this petition by sheriff's or a processor. I received mine a week b4 Christmas in the mail, the 2nd the day after Christmas by mail, the 3rd one week after the 2nd by a different attorney, the 4th while I already had to file bankruptcy for loss of sad n child support income. This in itself is illegal! Since 2009 they are ruining my credit by stating I have a pending bankruptcy case. This was discharged in 2009, 3 months after I filed. Steve Baum's office, who by the way is all over the news for its illegal actions including not following procedure of re affirmation on the property which I did n they are in complete denial. They actually called my lawyer a liar and did not to his job properly! I went absolutely nuts on this so called executive president to the president. PLEASE! I asked why has no report has been filed on my mortgage since 2006! NONE. MY REORT IS SHOWING DEFAULT OF PAYMENT,! My credit is destroyed because of Wells Fargo! She would not give me a straight answer!
OCC closed my case in cavorted of wells Fargo. I fought them for over a year.! I proved some items and if I dint fight I would have lost $726, but that's credited towards another outstanding executive account???? WHAT??? No answers. I had major reconstructive surgery after that letter n have not been able to continue my fight. But after this episode that's it. I am going above OCC ( there also was an article stating they are in WF pockets) I will write to every Congressman, assembly, the president! This is bull crap! They get billions in bail out and screw us royally. They put me in one of those foreclosures while under a loan modification changing the fee every month-sometimes 200 more. When I refused because I was in a legal contract, they put my pymts in suspension and again took my payments 3 months prior to filing tripling the amount owed! My suggestion!!!!! FIGHT, WRITE LETTERS, SEND DOCUMENTATION, TELL OF THE ABUSE OF THE REPRESENTATIVES AND HOW THEY LIE, CHANGE WHAT YOU HAVE SAID. I have filed with the BBB 4 X's n I'm ready again.
my life has been hell. They have treated me abusively. They called me a liar, today they said my lawyer was incompetent. (Funny since he submitted each and every form, filing a calls made to Steve Baum patty's for WF with no response. If he was incompetent, why did they cancel the foreclosures the day b4 court!?!
FIGHT. Do not let WF take your home n your dignity!
Thanks for letting me vent. Like I said this only covers 1/4 of what they have done to me. I must be doing it right, because someone from WF called and asked me how much would you except to make this go away?!?! He offered me $300 and I laughed at hims and said dream on, I must be scaring you for your illegal practices. So I cant afford a lawyer, this is silently killing me, but I have been robbed thousands and ill be damned if I lie down and get stepped on anymore!
Good luck all! Fight Back! Liars, cheats, scam artists usually get caught.