Wachovia

by JOSUE GONZALEZ From Vidal, CA on August 31, 2010

by Edwin Montiel From Mission Viejo, CA on August 20, 2010

by Anonymous From Dover, DE on August 18, 2010

by maria T From El Dorado Hills, CA on July 30, 2010

Had a series of World/Wachovia pick-a-pay loans. They engaged in equity stripping, predatory lending and outright fraud. We contacted a forensic auditor who immediately sent it to an attorney in Granite Bay, CA. Complaint was filed Monday. We are told our case is a classic one. The attorney is cautiously optimistic. Wachovia did not file the foreclosure on our first, but on our second. According to our attorney, this is not legal. Our attorney believes, like many other World to Wachovia loan refinancing, Wachovia did not get to keep the Promissory Note, but they are lost in some unknown warehouse because Wachovia never filed to transfer the P.N. This means they can't foreclose if they cannot produce the P.N. Our attorney thinks this will never see the inside of a courtroom. My advice is if you have a series of ARM loans, see a foreclosure attorney and a forensic auditor. Veritas Loan Audits in Folsom are outstanding. We are entitled, by law, to protection from this type of exploitation. If we all sue them, maybe they will change their ideas about exploiting the poorer communities.

by Sandy Gonzalez From West Palm Beach, FL on July 12, 2010

In foreclosure process.

by Anonymous From Sebastopol, CA on June 19, 2010

Like many others, I have heard numerous different stories from Wachovia reps. This has only gotten worse since the Wells Fargo takeover (although I was told Wells Fargo does not deal with California mortgage customers). Also, Wells Fargo actually advised us to start missing payments. Unreal!

by Paul Hemauer From Westminster, CA on April 21, 2010

by Anonymous From Bayville, NJ on April 19, 2010

by Frank Carrizosa From Tucson, AZ on April 16, 2010

Same comments referenced regarding submitting information. However, I was told that after a year, the modification I was applying for was no longer available and I would have to come up with half of the outstanding balance. This smacks of fraud!!! Time for an attorney.

by Donald Anondson From Cottonwood, CA on April 07, 2010

by Anonymous From Vallejo, CA on March 16, 2010

by debra ramirez From Mira Loma, CA on February 16, 2010

We have tried over and over to get a modification, I have faxed and re-faxed the documents they requested only to find out they need something else. Its almost too much to bear, I haven't given up yet though.

by james hackett From Mooresville, NC on February 08, 2010

they are constantly calling and i tell them that I am currently still unemployed and my girlfriend just don't make enough

by Cecelia Culbertson From Costa Mesa, CA on December 28, 2009

Had a modification in process, my Sweet husband died and I could not return docs without his signature. So I started over They have FLAT OUT LIED to me, right up till Dec 8, 2009. House was tagged with a sale date Dec 22, 2009

by Branko Thomas From San Pedro, CA on December 14, 2009

My mortgage company never answered my letters and my calls. They here just to make more money for they CEO's not to help homeowners in America. Who give them right to buy our mortgages with out our permission? what mortgage documents are to complicate no one ever understand? I didn't? Is this going to make different. NO . Will never buy house again. Branko Thomas

by Jeff Nealey From Dade City, FL on December 12, 2009

by Anonymous From Beltsville, MD on December 05, 2009

by marie burke From Corona, CA on November 16, 2009

I have tried unsuccessfully to talk to a person regarding this mortgage, they however never have any answers and just tell me to make a payment.

by Anonymous From Frisco, TX on October 26, 2009

by Lloyd Fears From Lake Saint Louis, MO on October 21, 2009

by Shermane Hixon From Stone Mountain, GA on October 21, 2009

I really hope you can help me or tell me what I can do to get some assistance or tell me who I can contact.

by dominique gonzalez-ushery From San Antonio, TX on October 06, 2009

by Salomon Jakubowicz From Hollywood, FL on September 24, 2009

by Zelia & Patrick Taylor From Ocala, FL on August 25, 2009

Aside from the attorney, the mortgage company was rather nasty. Making comments like maybe you just need to get a job, one lady even questioned whether or not I was a real man, or if I cared about my family because a real man would never put his family through something like this. It was very degrading and unprofessional to mention my personal life at all.

by Neil Broome From Charlotte, NC on August 11, 2009

by Anonymous From Sonoma, CA on August 07, 2009

A case of the left hand not knowing what the right is doing. I love my home of 30 years. dearly, but will let them take it if they refuse to work with me. One day I qualify for a program that another person - another day says I don't. Well, do I or don't I? Meanwhile I'm not giving them another dime. GET IT TOGETHER WACHOVIA!!

by Anonymous From Rialto, CA on July 30, 2009

Wachovia has been inconsistent and out right rude. Since November 2008 we have been trying to get wachovia to look into our case as we anticipated losing some of our income and since we were current then they would not listen to us. It actually happened that the loss in income set in and even though we were current till March they still did nothing to assist . We are now three months late and they sent us a pre-forclosure quote. Everytime we call, it is always someone new who wants the same information all over again and we never here from them again.

by Anonymous From Henderson, NV on July 25, 2009

by renee watson From Stockton, CA on July 21, 2009

by Anonymous From Providence, RI on July 20, 2009

I have approached them on the situation and they keep stalling me.

by Anonymous From Montclair, NJ on June 29, 2009

by mary From Manteca, CA on May 31, 2009

I asked for modification from November 2008 through February 2009, only to be harassed and declined. I was current in November, but was told they would only help me if I were behind at least 2 months, then I let payments get behind two months and they said they would only help me if i were current. I stopped payments completely for last 4 months, I finally received a letter saying they would negotiate, but when I called the number I was still put through to first level customer service. I will provide what they asked one more time, but that's it. We'll see.

by Laura Patterson From Brielle, NJ on May 27, 2009

I have never missed a payment with Wachovia or been late, but they do not want to help. I did not conform to their formula (as I was told) for granting a loan modification. Their service is very poor & the branch that was so eager to grant me a mortgage does not even return my calls. I have been told by mortgage brokers that I know that I could qualify for a loan modification, as my loan could change if the interest rate changes on March 2011.

by tabatha chalkley From Twin City, GA on May 15, 2009

by H. Graham Mozealous From Miami, FL on April 30, 2009

Wachovia does not seem very helpfull

by Alicen Boyer From Laguna Niguel, CA on April 29, 2009

Wachovia continues to tell the loan representative from Modifications LLC that my modification is in review. Meanwhile, I've received two letters in April. One, that I had seven days to provide information for the short sale that I supposedly requested. That buyer/seller signatures were required, as well as HUD 1 documents. I had sent a request for a short sale and didn't have any offers to provide information for. The second letter came on April 26, stating that the bank intended to file a defaut in 30 days. Meanwhile another office continues to ask for documents regarding a loan modification through the company that has been working on my loan modification. It seems that this bank has too many divisions and one is unaware of what the other one is doing. Therefore, I get conflicting information. I am left to feel like I'm being strung along for the purpose of foreclosing on my loan. While I did receive a letter stating I was eligible for a loan modification under their "MAP" program, I never received a letter stating that they declined my loan modification.

by Anonymous From Northville, MI on April 29, 2009

We had called Wachovia on 17 occasions to try and work something out prior to missing any payments. Their response was that they could not help until we were at least two payments behind. We are now three payments due and they do not want to provide any assistance, only want to foreclose.

by Reda Gendy From South Amboy, NJ on April 15, 2009

It seems the harder you try the harder they make it for you. You make your payment on time and that is why you can't refinance.

by Emerson Stafford From Antioch, CA on March 31, 2009

People who are paying their mortgage on time trying to work with them to avoid foreclosure are being treated very poorly. They seem to want my home far more than they want my continued business as a mortgage holder with their lending institution.

by Elliott Reiss From Easton, PA on March 25, 2009

I have should been never given the mortgage for this property. I would like to have your company negotiate with Wachovia Bank a short sale or a deed-in-lieu of foreclosure. Thank you very much. Elliott

by Anonymous From Waldorf, MD on March 12, 2009

by Ben Cha From Portland, OR on February 13, 2009

by Anonymous From Covina, CA on February 02, 2009

they do not offer much assistance to avoid forclosure

by john wheeler From Stanley, NC on January 28, 2009

by Christopher Caravetto From Inverness, FL on January 14, 2009

by Kelisiha Guidry From Las Vegas, NV on January 13, 2009

I hope they burn in hell, with the rest of the crooks!

by tracy barnes From Los Angeles, CA on January 07, 2009

by James L. Wilson From Clinton, MD on January 07, 2009

They ask for all you for all personal and financial info with no intention of doing a darn thing to help you. If you get a little frustrated with their cust. svc. reps your call is dropped.

by Esperanza Aranguren From Miami, FL on January 06, 2009

by Anonymous From Senoia, GA on January 06, 2009

by SUSAN From Rancho Cucamonga, CA on January 02, 2009

THEY SAY ONE THING AND DO ANOTHER. I AM TRYING TO MODIFY MY NEG AM LOAN. THEY SAID TO SEND LETTERS, DOCUMENTATION, ETC. THEY DENINED ME AND SAID THEY DO NOT MODIFY LOANS. THAN WHY ALL THE HOOPS TO JUMP THROUGH ? I HOPE THEY GO DOWN WITH THE REST OF THE GREEDY COROPORATIONS.

by Jackson Webster From Savannah, GA on December 30, 2008

by George Frank From El Dorado Hills, CA on December 29, 2008

by Anonymous From Cape Coral, FL on December 23, 2008

by Barbara Dobberstein From Potomac, MD on December 23, 2008

by James Harrison From Plano, TX on December 12, 2008

Poor communications, inflexible, not adequate notice, no empathy...they don't care and are not interested in helping anyone

by Deb Calvert From Newport Beach, CA on December 12, 2008

They've denied my request for a loan modification twice now. I'd had legitimate reasons, health, surgeries.

by James Wilson From Boaz, AL on December 06, 2008

by So Mil From Fayetteville, GA on December 03, 2008

by Joel Garriga From Orlando, FL on December 03, 2008

by Robert Touzeau From Center Valley, PA on December 02, 2008

by raul guerrero From Houston, TX on November 25, 2008

by Jeanette Smith From Downey, CA on November 20, 2008

by Kelisiha Guidry From Henderson, NV on November 12, 2008

by Alisa Williams From Monmouth Junction, NJ on November 10, 2008

by Anonymous From Anaheim, CA on November 05, 2008

by Greg Greening From Penryn, CA on November 04, 2008

by Anonymous From Bethesda, MD on November 02, 2008

I was given information a while back and told to do some things. I did them, and then I was told that wouldn't help. Also, they would not accept 2 month's payment.

by Anonymous From Glendale, CA on November 01, 2008

by Robert Webb From Shawnee Mission, KS on October 29, 2008

by priscila VOLPATO From Hialeah, FL on October 27, 2008

by Gabrielle Walker From Alexandria, VA on October 22, 2008

by Anonymous From Oakley, CA on October 18, 2008

Would not work with me before during or after forclosure.

by Martha Martinez From Des Plaines, IL on October 17, 2008

by Anonymous From Portland, OR on September 29, 2008

wachovia is not very trustworthy and lies to their clients they say one thing and do something else. before the 2 certified letters came about the sale of the house we recieved a notice that our payment would be reduced to 700.51 starting december of 2008 then 4 days later we got the notices that our house will go up for sale in februrary,13,2008 i do not think that that is right or being very honest with people.

by piss off From Byron, CA on September 23, 2008

tey destroyed agreat company like world savings

by Anonymous From Menlo Park, CA on September 22, 2008

by jason hill From Summerville, SC on September 05, 2008

by dabeer kazmi From Westmont, IL on August 29, 2008

by Anonymous From Ladera Ranch, CA on August 27, 2008

by Anonymous From Rowlett, TX on August 25, 2008

by Jeffrey Matzek From Mission Viejo, CA on August 12, 2008

In some ways they have been patient and understanding and in others they have been greedy and unwilling to work with us. They are making millions off people like us. They also charge and automatically withdraw $30 for every overdraft of our checking account to the tune of $3000 to $4000 for the year which could be going to our mortgage instead!

by maria flores From Pacoima, CA on August 12, 2008

by william burns From Port Saint Lucie, FL on August 12, 2008

by Juan Berrios From Clearwater, FL on August 11, 2008

by oliva komura From Salinas, CA on August 08, 2008

by Anonymous From Bakersfield, CA on August 08, 2008

by charles cooke From Hurricane, UT on August 07, 2008

by Lee Frederick From Montgomery, IL on July 24, 2008

They have been able to work with me in the past, but my job loss has crippled me.

by Dawn Martin From Ormond Beach, FL on July 24, 2008

by Anonymous From Ramona, CA on July 21, 2008

by margaret sexton From Menifee, CA on July 21, 2008

by nancy collins From Los Angeles, CA on July 15, 2008

by Elizabeth Taylor From Colorado Springs, CO on July 15, 2008

I changed my cell number to stop they daily harassment calls. They are the ture definition of 'corporate greed'. The bank with no heart and no conscience. They are preparing for a 2nd round of "World Savings' employee lay-offs. They have 2 law suits filed against them for unlawful practices and the corporation is 'hurting' financially. They disgust me!!!

by Lainie Rompf From Port Saint Lucie, FL on June 27, 2008

I hate them!!!!!!!!!!

by Patrice Washington From Blythewood, SC on June 26, 2008

by Teri Burciaga From Azusa, CA on June 23, 2008

by ANTHONY VITIER From Hendersonville, TN on June 19, 2008

by Anonymous From Pantego, NC on June 13, 2008

by Anonymous From Vallejo, CA on June 10, 2008

by Harry Coles From Fort Lauderdale, FL on May 25, 2008

by THERESA ROCK From Everett, WA on May 15, 2008

They mail me letters to call them so they can help but when I do they say my loan is to new for them to help me

by lois singleton From Vallejo, CA on May 15, 2008

by saira quadri From Katy, TX on May 08, 2008

by Anonymous From Corona, CA on April 28, 2008

the lending service i had confused and tricked me into a neg. am. loan.i'm not a lawyer. they said my regular payment was 1,600 per month. they failed to state that it does not include principal or interest. it is impossible for me as a single parent to make a 3,200.00 payment a month.

by Thomas West From La Habra, CA on April 23, 2008

by martin brower From Trabuco Canyon, CA on April 15, 2008

by Anonymous From Anderson, CA on April 09, 2008

Wrote me letters stating they wanted to help and had many options. However, they refused all my attempts for a loan modification and wanted the entire amount at once.

by Charletta Briscoe From Raleigh, NC on April 09, 2008

by James From Kankakee, IL on April 04, 2008

Very pleased.

by Dawn Hedlund From Stillwater, MN on April 02, 2008

by Daniel Losito From Summerville, SC on March 27, 2008

by Anonymous From Sylacauga, AL on March 19, 2008

by Clara Mendoza From Hollister, CA on March 19, 2008

by Anonymous From Sugarloaf, PA on March 12, 2008

They never gave me any help on this situation never gave me any names of company's that could help me etc.

by Anonymous From Calistoga, CA on March 01, 2008

by Anonymous From Stockton, CA on February 19, 2008

No issues other than unable to make payments now.

by Theresa Cordato From Torrance, CA on February 18, 2008

by John Kinley From Mount Holly, NC on February 15, 2008

No problems. I have always been able to pay my bill until now.

by THERESA CORDATO From Torrance, CA on February 12, 2008

by ronald rivers From Phenix City, AL on February 01, 2008

Good folks, I just run into tests that I need to continue to fight my way thru.

by Anonymous From Milwaukee, WI on November 28, 2007

Amount of my pmt (home equity loan) changes every month, and yet each time I tried to get notice of how much to pay I got the runaround. Even our attorney couldn't get them to start regular notices.

by Tallarigo From San Marcos, CA on October 18, 2007

I have an auto loan with Wachovia Dealer Services. I have diligently made all my payments on or before the due date, which has been the 19th of every month, every since I first purchased the vehicle in February of 2007. On or about July 19th of 2007, Wachovia Dealer Services added an extra payment to my auto loan. Also at this time, they began holding my payments till after the due date, apparently in an effort to collect late fees. They have also reported to the credit bureaus that I am a late payer, which reflects negatively on my credit report. I have bank statements showing my payments to Wachovia on this automobile loan to be exactly as I have indicated. I have copies of canceled checks made to Wachovia, that clearly show when the payment was made. Furthermore, I have a letter from Wachovia stating that my August 19th payment (in the form of a personal check) was not paid and returned to them. I have a copy of that particular check showing it was paid and that the date written on the check had been altered. Once again, this was done with obvious intent to obtain a late fee. When I made my September payment on the 17th of that month, it was paid on-line, and I received an electronic confirmation number, which also stated that the payment would be posted within 24 hours. On or about the 29th of September, I received two letters from Wachovia. The first was a "thank you" letter from Wachovia, that indicated my September payment was made on the 26th, which is false. I then received a second letter from Wachovia, that indicated the payment made on the 17th of September couldn't be posted because the account number was wrong. This is also false. I have had several telephone conversations with Wachovia Dealer Services representatives, sent correspondence via fax, and asked to speak with supervisory personnel in an effort to resolve this on-going situation, which they have refused to resolve. I need a strong letter sent to Wachovia, that if this situation is not corrected ASAP I am fully prepared to file civil suit against them, and in addition pursue fraud charges to the fullest extent of the law. I will not pay late fees that I do not owe. I am outraged at this obvious and deliberate fraud attempt and falsification involved due to their altering payment dates, and making false claims that payments were not made on time. I am requesting that all late fees be removed from my account, my account information be corrected to show all my payments made on time, and finally remove all negative reports made to the credit bureaus immediately.