Debtconsolidationcare.com - the USA consumer forum

Update on Wells Fargo

Date: Thu, 08/24/2006 - 13:32

Submitted by imkimssister
on Thu, 08/24/2006 - 13:32

Posts: 1301 Credits: [Donate]

Total Replies: 7


Man, have I been running around with these people. You all that know me, know of the situation, it has been going on for well over a year now. They did a 'charge off' on me, sent me to a collection Agency. I sent the collection agency three payments in a row. couldn't get them to talk to me, return my calls, or respond to my letters. They sent the account back over to wells fargo, only wells fargo states that they only received two of the three payments. I have proof they were paid. Two were money orders and one was a check. The payment that seems to be in question, was a money order payment. I gave them all the information on the money order and asked them to investigate it. never heard back on it. wells fargo had wrote and said they weren't talking to me because I had a cease and desist on my account. ALL I did was ask them NOT TO CALL ME and accepted written correspondence only. they turned that around the way they wanted. So I get a letter from wells fargo, telling me that they're sorry for the misunderstanding on the cease and desist, then say they will investigate the lost payment and gave me the name of the person in collections that I needed to 'work things out with'. He also included validation of my debt and showed what I owed. It checked out with my records. I then wrote letter after letter to both of these indivisuals--concerning the lost money order and trying to work out a payment plan. no response.

They then sent me to another collection agency. National Action. I have joined a debt consolidation group, and I gave them national actions info and had them set up to start getting payments. They sent the first payment and right off the bat, national action sends the account BACK over to wells fargo. huh??? They sent my payment BACK to my debt consolidation group, which they in return, send back to me.

SO, I'm writing more letters to the two people at wells fargo that I have contact info on, trying to find out whats going on. I decide to give my debt group the wells fargo information and have them send wells fargo a payment with a proposal.
GET THIS!!!!!!!!!!!!!!!!!!!!!!!!!
wells fargo denies the proposal by saying that there is NO SUCH ACCOUNT OR ACCOUNT NUMBER!!!! so they deny the proposal. BUT THEY KEPT THE MONEY!!!!!!!!!!!!!
okay???!!! if theres no such account or account number, why did they keep my money? What did they apply my payment TO, if there is no such account?????!!! So I start writing more letters to wells fargo. As usual, I am ignored. I have YET to get my payment back and I have been raising all kinds of sand with my debt consolidation group trying to get them to get my money back. they say their hands are tied. They gave me the check number that was issued and the date the check was cashed by wells fargo.

But now, in the meantime, I have heard from yet, another collection agency on this account!!!
I sent them out a debt validation request because now my balance is more than the amount that wells fargo gave me in the validation. Its close to $600 more.
The collection agency wrote to say that they're working on getting my validation. When I get it, I will be disputing it, as they have it jacked up more, plus theres the issue of my missing money order payment and also the payment that my debt group sent.

so this is where I am with wells fargo. Not one inch more than what I was this time a year plus ago. I do however have a file over two inches thick in copies of all my letters and green cards!
any opinions and thoughts would be welcomed and appreciated!!! thanks for reading, shirley


Good to hear from you again Shirley! Even if the news isn't so good!

It looks to me like quite a few folks over at Wells Fargo in the departments of accounting, administration, and record keeping really need to be sacked. Your situation is not the work of competent individuals. I would suggest turning to Legal Aid with this situation. Apparently Wells Fargo is retarded and the debt consolidation program is relatively useless. Have you tried the AG in their state? along with the Consumer Affairs department of the AG office? Wells Fargo seems to be ripping you off with ineptitude. To hell with them. Don't sweat out anymore trying to work with them if they can't do what they are supposed to.


lrhall41

Submitted by Jedi Mistress Ari on Thu, 08/24/2006 - 13:53

( Posts: 2192 | Credits: )


Hi Shirley,

Did you track the receiver ID of the company put in the money order? It is evident from your side that the money was sent. You are not liable anymore if they haven't processed the payment properly. Your money order receipt will be a valuable proof here.

I read your other part of the story. I can only understand that you have to travel a long journey and get your money back. I don't know how much your consolidation company will help you in this matter but you have to cover the major part. Keep pushing them.


lrhall41

Submitted by anthony on Thu, 08/24/2006 - 14:01

( Posts: 456 | Credits: )


Oh Shirley, if you ever get this settled I know how happy you will be. Sorry I don't have any advise to give you except "hang in there". If it were me I wonder if I would almost let it go to collection (again) and try to settle it from there. I feel so bad that you are still dealing with this.

I'm glad you're back though, we've missed you. I hope other things are going well for you!


lrhall41

Submitted by CycloneFan on Thu, 08/24/2006 - 14:39

( Posts: 1155 | Credits: )


Shirley, Believe me I know how you feel. I have my house thru this company. They are crazy. I got a bill the other day that said I owe 2200. I called them and ask them what for? They tod me I didnt make three payments last year. Needless to say I had to go to my bank and have them fax them the cancelled checks. Something I didnt have time for because of their bookkeeping. Hang in there Hope things get better. KYSIDE38


lrhall41

Submitted by KYSIDE38 on Thu, 08/24/2006 - 18:18

( Posts: 2477 | Credits: )


thanks guys!! I am waiting now to hear back from the collection agency with the validation that I requested. But believe me when I say that I'm at a point where I'm not in any hurry to send them anymore money...I am tired of being jerked around....maybe its time for me to jerk them around a little. I have done nothing but try to do the right thing. I had some hardship which caused the account to go into charge off mode, but once it hit the collection agency, I started right then and there, trying to take care of my business. I'm at a point where, let them take me to court--I welcome it! I have every bit of proof that I need to prove to the judge that I have tried over and over again to talk to these people and work things out.


lrhall41

Submitted by imkimssister on Thu, 08/24/2006 - 20:03

( Posts: 1301 | Credits: )