With very good credit and a long history with WF, I applied to refi 2 properties. After 2 months, with building contractors demanding money and eternal promises from WF, I found that the papers were still sitting, ignored on someone's desk (confirmed by the loan officer). They had charged me over $1500 in fees. That was late September.
I was told the fees would be refunded. I hounded them again today - over 3 months later - and the refund was processed yesterday - still $400 short of the amount.
RUN -DON'T WALK - FROM THESE CLOWNS/IDIOTS/CROOKS AS FAST AS YOU CAN.
Do not do business with Wells Fargo. They are like a siren's song. It sounds good at first, but once you need service, they will disrespect and abandon you to the brink of financial ruin. If you are 100% confident you will never need a loan modification, to refinance, miss one payment, or ever need to speak on the phone with someone who will treat you as a valued customer, then try your luck.
As for me, I was blessed to have family help me with my payments to the loan sharks, I mean Wells Fargo, during my lay-off and I paid them off and feel so relieved I do not do business with them anymore. Ultimately, if they had been sweet and understanding about my situation but not be able to assist me with loan modification, refinancing, or payment schedule; then I would have understood, but it was the nasty dehumanizing way their reps talked to me that inspired me to write this review - "if you cannot afford the loan we don't want your business." They don't even have a customer feedback tab on their website which let's you know they do not give a DAMN about providing customer service. They are worse than Chase.
I visited the branch in person to close my account because they were charging me a monthly fee, they talked me into an account that does not charge, but have been charged for the last 3 months made a call and they said they would fix it. Once again this month was charged again. Seriously annoying!! I have been a member since 1991, you think they would get it right.