Wells Fargo has lost $6,000 of my money and they can't seem to find it. Usually it is a felony when a person or business steals that much money, isn't it? It almost seems like they want my house and will go to whatever lengths it takes to get it. I'm fairly sure they know I can and will pay the mortgage if they have reviewed my financials and read/listened to any dialog between myself and their precious call center. Why would a bank want to collect houses? They are being very deceptive and illusive.
As background, Wells Fargo call center told me if I went into default on my loan, then they would 'let' me talk to a banker. Can't believe I fell for that one, I'm fairly sure now that they don't employ any 'bankers'. I lost my job, had to relocate, the house is not selling, and since I have a house payment plus rent, I was hoping to be able to do an interest-only payment temporarily.
When I realized it was a just a game they were playing with me for some unknown reason, I went to a branch bank and paid up everything to make it current I did this when I was in default 89 days. I paid the 3 months I was in default plus the next month so that my loan would be current.
On 'default' day 94 I called the call center because I hadn't seen the payment appear on my account. They told me to wait 2 more days. On day 96, I called because I was then locked out of my online account. Upon closer examination of my bank receipt, I found they had applied the 4 months of payments to someone else's mortgage. Then I learned that on day 95, they had secretly put the house in foreclosure.
This is the first time I have not paid a bill so it was my first experience with debt collection. I don't have much to compare to but I do know how Wells Fargo does it. After about 45 days, they have a machine call you one or more times per day. When you call back the number the machine tells you, the person answering the phone knows nothing. They try to be a bully, they don't understand your questions, they know nothing about your account so it takes about 10 minutes for them to find your file. Regardless of what you told the faceless, nameless voice the day before, you have to start over every day you talk to them. Even after day 95 when my account was locked, they continued the calls. Even if I would have had another $6,000 laying around, they could not have applied it to my account and they continue to call.
However, I have used banks all my life and this was certainly not a banking experience. It is now default day 105, Wells Fargo has not straightened out their error though they have a copy of the receipt and my cashier's check. I still cannot find contact numbers or names to work with on this problem, and I don't know what has happened to nearly $6,000.
If there are any bankers at Wells Fargo, customers certainly don't have access to them. If I walk into a branch bank, the people there simply give me more 800 numbers that have uneducated people on the other end. I have talked to the law firm that was supposed to handle the foreclosure several times and they have informed me they have closed the case. This bank (collection agency) must be even too crooked for the lawyers to stomach.
My brother is a bank president at a real bank and he is appalled at this Wells Fargo activity or better put, lack of activity. Wells Fargo is NOT a bank, I don't know what they are, they are prostituting the name. The bought my mortgage 5 years ago on the secondary market so its not like I chose them.
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