Still Not Safe From Bank Robbers

It’s 2015 and Wells Fargo & Friends are still robbing homeowners every way they can. So much about the way these banks treat mortgage borrowers has not changed since I started writing about the topic back in 2009 as the foreclosure feeding frenzy was starting to get out of control.

Seems I can just dust off blog posts from several years ago, update the links and re-run them as relevant to what’s still happening.

warningdoor2I wrote a tongue-in-cheek Warning to Wells Fargo’s Burglars in early 2011 when I was still had hope my diligence would win me a mortgage loan modification. But six months later, fully understanding the banksters were rampaging unchecked and honestly fearing to leave my home unattended to go out of town even overnight, I took a more serious tone. “Bank Robbers” Takes on New Meaning

Nothing is sacred to these people, either the bank executives or the companies they hire to “trash out” foreclosed (or not) homes. Consider this case, which is just hitting the courts nearly three years after the incident:

When the Bank Robs You: Wells Fargo Contractors Allegedly Stole Family Heirlooms Rescued From Nazis

Big surprise. The bank robbers are still sending in their minions to steal from people.

March 2015: Bank ‘breaks into man’s home,’ won’t say why

A former Chicago police officer, Mike Tomasovich, filed a lawsuit claiming that his own mortgage bank, Fifth Third Bank, sent contractors to break into his Estero, Florida, home via a drill through the door lock.

The two intruders then posted a note on the front window that could be read from the outside that warned the residence had been “found to be unsecure or vacant,” the Fort Myers News-Press reported.

Tomasovich, who splits his time between Chicago and Estero, said he’s kept up with payments and has never been in foreclosure. Lee County public records confirm that, the newspaper reported.

“There was food in the refrigerator, a car in the garage,” he told the paper. “Every room is furnished. The electricity was on, the pool was crystal clear.”

And when it becomes clear to them that they’ve made a colossal mistake and screwed up the life of some completely innocent person, do they apologize abjectly and work tirelessly to right their wrong? Not exactly.

Bank Issues Statement About Home It Wrongfully Foreclosed Upon, Balks At Paying Up

But the bank has balked at paying the $18,000 Barnett is asking for.

“(They) demanded that I had receipts for all my stuff that they threw away,” Barnett said. “And I said, ‘Well, you know first of all, I don’t have receipts for all of my stuff. I wasn’t expecting a bank to come and to accidentally repossess my house and throw it all away. And second, if I did, where do you think it would be? In my house with all my belongings?’”

She said that everything from clothes to patio furniture to pool supplies was disposed of.

“This is the basketball hoop. They actually gave it to one of our neighbors, and the neighbors ended up giving it back to us. That is the only thing we’ve gotten back.

stumpyrobberI actually ran across several references to banks trashing out the wrong house and then demanding devastated homeowners produce receipts in order to have their belongings replaced. Any normal human being working at a bank would think, “Wait, that’s not logical. I don’t keep the receipts for every single thing I buy. That would be CRAZY.”

But the poor bankster-brainwashed automatons in the phone queues certainly aren’t paid to think (but they are paid to provide an impenetrable firewall between the great unwashed public and the exalted executives.) They’re just paid to do their master’s bidding. Like the people who are still still stealing from homeowners at the behest of Wells Fargo and its bank-robber buddies.

10 thoughts on “Still Not Safe From Bank Robbers

  1. And that is why there is always a car in my driveway & why I rarely leave home for more than 30 minutes at a time. Wells Fargo is the most untrustworthy entity in America and has made me a prisoner in my own home.

    I was accepted for the Streamlined Modification, which is horribly tilted in WF’s favor, not mine. But I would be able to live in my house. So, what do I get last week? Two Fedex packets, spaced a few days apart, telling me they are “unable to complete the final modification of my loan until the title issue(s) are resolved, The requested mortgage to be modified is not in first lien position, Additional mortgage judgments/liens exist on the property.”

    I haven’t even started the trial payment period. The first TRIAL payment is scheduled for tmrw 9-1-15. I’m 4 months away from a final decision, yet I get 2 packets telling me they are denying me for a final modification BEFORE it has even started. AND the denial is for reasons that are fabricated – their own documents show no judgments, no liens save Wells Fargo, no title issues.

    What. The. Hell. My Chapter 7 bankruptcy has been discharged and closed. The judgment liens against the property were cancelled by the bankruptcy judge, recorded with the clerk of court’s office and no longer show on the title. The COPY of the title I rec’d in the Fedex packets shows a CLEAN TITLE with WF as the ONLY lienholder.

    My special “rep” is so clueless that every question I ask her she has to ask her supervisor. And she lost documents I faxed to her until I provided her with date, time and confirmation # – then she suddenly “found” them.

    I am off the hook financially with Hells Fargo b/c of the BK. I would like to keep my home, despite the ridiculous modification I was offered, but Wells Fargo is intent on taking it.

    So, I remain trapped in my home, wondering if any of the cars passing by are waiting for me to leave so they can clean me out and change the locks. Every knock on the door gives me a pit in my stomach.

    The way it’s going with WF, the day will come when I simply pack my stuff and walk away. They won the day I bought this house.

    * * * Thank you for this site. It is a place we can come to keep up with Satan’s, I mean, Wells Fargo’s actions. And, it’s like a survival camp for WF victims and a place for us all to see we are not alone in our struggles against Wells Fargo. Thank you.

    • I so understand what you describe, Jordan, feeling trapped at home just waiting for the daily delivery of Wells Fargo’s lies and bullshit and worried you’ll come home to find everything you own has been stolen. Probably sounds a little crazy to anyone who hasn’t been in the same position, but those of us who have know exactly what you mean.

      I’m glad you’re finding this site helpful, anyway. You certainly are not alone, which makes it better and worse all at the same time. On one hand, it’s nice to know you’re not crazy or stupid – Wells Fargo really is jerking you around in ways you’d never expect from a professional organization purportedly run by grown-ups. But, on the other hand, it’s a bit overwhelming to realize your bank (and all the big banks, really) is purposely screwing over millions of people and getting away with it.

      I have gotten such an education since I naively sent in my HAMP paperwork the first time. After two maddening years, I finally decided WF wanted my house way more than I did and I was able to play their send the paperwork/delay/deny/send new paperwork game to my own benefit to give myself time to find a new place to live and move out on my own timetable.

      So glad to hear you won’t still be on the hook for big $$ if (when) you decide to walk. Hope you’re able to find a great place to live where you can come and go as you like. Meanwhile, glad to have you as part of the community here!

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  5. OMG. Bank Robbers. I came home and I found the same note taped to my door. A lawn mower, jewelry and a painting are missing, but my neighbor luckily stopped them from leaving and called me. A subcontracter hired from Wells had drilled thru my locks and put a sign on my door saying Vacant and unsecure. They winterized my house and went thru every door and closet and took photos. Trespassing. 1 year later my house has been posted 7 times. They can’t seem to manage subcontractors in the Asset Management dept. Get this! They said I was behind in my mortgage and someone had deemed my house was vacant. So they started this out of control cycle. I had talked to folks and talked and all told me it was fine. Money was ‘found’ at Wells Fargo in an unapplied account because they had adjusted my account and I paid the wrong amount. Rather than apply the payment and show a credit they stashed it away. Took them 5 days to ‘find’ it, all the while it was Columbus Day and they were on vacation and I was locked out of my house. I still can’t get over it. So wrong, such a violation, so Evil. I want to testify in DC. – Minneapolis

  6. I, like Jordan, couldn’t leave. They took away my November Thanksgiving. I did go to family on Christmas and had friends watch the house. Jan 6 another post. Those placards pretty much say in an urban setting ‘come on, break into my house’. They are evil, I loved Elizabeth Warren’s drilling of the CEO. They all know what they are doing – stealing from us to make themselves reach with their wretched policies.

  7. 2008
    1. It is November 1st and you haven’t made your October mortgage payment.
    Wells Fargo informs you that you are now in the foreclosure process. You have never missed a payment previously. You have 9 years left on a 15 year mortgage.
    2. You are instructed to write a check for the October, November and December mortgage payments and add a $50 fine.
    3. When you call them – and you are constantly calling because you are still innocent and credulous – you are always asked:
    a. Are you still living in your home?
    b. Do you intend to keep your home?
    4. Even if you answer “Yes” repeatedly – twice a week – next comes the monthly inspections fee – for the inspector who has supposedly come to your home to see if it was occupied. (You have never seen or talked to an inspector)
    5. If you make a partial payment it is not accepted as payment and is sent back to you or held somewhere in limbo. The foreclosure process continues. Depending on what individual is currently “helping” you, partial payment could mean not paying three months, a $50 fine and the accruing inspections fees with one check. This did not happen to us, but apparently it happened to many.
    6. Wells Fargo DOES want to take your home.
    7. We sold our house in 2012. Current on mortgage, $120,000 in equity. Moved to another city and paid cash for the house we live in SO WE WOULD NEVER HAVE TO DEAL WITH WELLS FARGO AGAIN.
    (This isn’t even addressing trying to deal with them with HARP either – all the paperwork – approved – not approved – denied – luckily we were able to keep making our regular payments.
    The only thing that saved us – help from parents on two mortgage payments!

  8. Wells Fargo foreclosed on my property while I thought I was in loan re modification for a 2nd time as my income had improved. They would not work with me at all. I owned several properties and was willing to sell them off to make the HELOC less or pay it all off in full. I made this information very clear. I had my first loan with Wells Fargo and it was current always. The 2nd was the HELOC and it had a 10 year balloon payment on it that I tried to get re financed 2 years before it was due. Due to the bad economy and many deaths in my family I had a hard time paying it off but had made all payments on time and just needed to extend it. I mentioned I would sell other properties if need be. At first go round I was pre approved. They had more to gain monetarily by foreclosing on my home (as I was NOT upside down and the home had a lot more equity than I even owed them) than working with me. I had to pull funds together in 2 weeks time ,a private loan on another property I was selling and have sold, as my credit has been ruined over this. The only notice I received was that they were selling our home in 2 weeks as per notice taped on the Garage door. I thought I had re entered the loan re modification process. The loan re modification process is another story in its self, as in what a JOKE!!! Once I had the funds together and could pay them in full they would NOT give me the payoff amount and were so difficult that it took me over 1 week and on the phone ALL day to try and get the payoff amount and where to send/wire the money to. I was on the phone every day for hours just trying to get it the pay off information. I had to take off 6-7 days from work and was on the phone most of that time trying to get someone to give me the amount I owed and where to wire the funds. UNBELIEVABLE!!!! They had me on hold many times for over 1 hour at a time, many times only to be disconnected and I would have to start all over again trying to find someone to just give me this information. No calls to me back ever if disconnected. I was told the amount due could only be faxed or mailed by the post office to me within 5-7 working days no other way could I get the amounts or where to send the money. Really…?@!!! Email was not an OPTION !!! Yet when in loan re modification they wanted me to scan and e mail all documents to them. I explained the situation as I did not have the time my house was to be sold before that time, but always the reply was sorry madam that is the best we can do. I did get someone to agree to fax me the information the amount due and where to wire the funds but I never received it. Many times I asked to speak to a supervisor and was not allowed too… ? The agent’s response was you can only talk to me and they knew nothing and could not get me to to someone who did or give me the information I needed. Was this all part of there intentional plan to have me just give up and walk away as they had more to profit if I did just give up. I feel they were doing everything in their power NOT to work with me so I would just walk away from my home with a lot of equity and they would profit more from this that working with me in any way. I finally after day 6 or 7 lost my cool and went off completely. I was swearing and yelling and just crazy as they would not give me this information. This made me paranoid as why to they will they not give me the amount I owe and where to wire the funds to? Why will they refuse to let me talk to a manager or supervisor, why are they putting me on hold for over a hour at a time and not checking back then I am discounted and have to call in once again and go through the ordeal again. I talked to no fewer than 30- 40 different people and all the same would not get me the info or let me talk to someone who could. Just bizarre but based on all the other tricky dishonest practices they have I am sure this was just one more that they concocted. Frustrate the homeowner so they walk away. I had A LOT of equity in a very desirable area where prices had gone up a lot. I am sure they would gain more from me walking away then working with me. I am sure I am not a lone in this. I never was late on payments I never stopped paying them but I had a 10 year Heloc that I could not get refinanced even through I owned several properties and a commercial building and at one time had a good credit score. I did owe on the HELOC and I made all the payments timely till it came due and they would no longer take my payments. My first loan also with Wells Fargo was always current and timely. I have never filed bankruptcy or defaulted on a loan other than this fiasco. The whole loan re modification process was a joke. How disorganized they were. How they handled it all. I called many help lines all of this save your home and the government programs nothing but a joke. I did hire a lawyer another JOKE and rip off!!!! I want to know what I can do as far as a lawsuit goes. To say I hate Wells Fargo is an understatement. The stress of trying for over 3 years to get a re fi or some help and the stress of the foreclosure has taken its toll on me and now I am closing my business of 40 years selling off many things and just walking away in search of a peace of mind and a simpler life. I have had anxiety daily over this whole night mere. I did save my home but my sanity and peace of mind went with it. It was just too stressful with trying to do this and running a business. The business was the easy part. I hate Wells Fargo. I feel they intentionally were very difficult and that was how they were told to be as none of this makes any sense. Just give me what I owe and where to wire the funds and we are done right…! Not so easy and not so fast !!!!!!! Once I had the funds together and could pay them in full they would not give me the payoff amount and were so difficult that it took me over 1 week to get the payoff amount and where to send the money. I was on the phone every day for hours just trying to get it. I had to take off 6-7 days from work and was on the phone all of that time trying to get someone to give me the amount I owed and where to wire the funds. They had me on hold many times for over 1 hour many times only to be discount and I would have to start all over again trying to find someone to just give me this information. No call back nothing. I was told it could only be faxed or mailed to me within 5-7 working days no other way could I get the amounts or where to send the money. Really…?@!!! I explained the situation but always the reply was sorry madam that is the best we can do. I did get someone to agree to fax me the information the amount due and where to wire the funds but I never received it. Many times I asked to speak to a supervisor and was not allowed too… ? The agent’s response was you can only talk to me and they knew nothing and could not get to to someone who did or give me the information I needed. This was all part of there intentional plan to have me just give up and walk away as they had more to profit if I did just give up. I feel they were doing everything in their power not to work with me so I would just walk away from my home with a lot of equity and they would profit more from this. I finally after day 6 or 7 lost my cool and went off completely. I was swearing and yelling and just crazy as they would not give me this information. This made me paranoid as why will they not give me this the amount I owe and where to wire the funds to? I did get a call back after I went ballistic every other word was a swear word and cursing f_ing Wells Fargo. I got a call then saying I heard you have a complaint…? NO I just lost it is all if that is a complaint…? Why did they have to put me through that? Just give me the information I need why this…?Why will they refuse to let me talk to a manager or supervisor, why are they putting me on hold for over a hour at a time and not checking back then I am discounted. I talked to no fewer than 30- 40 different people and all the same would not get me the info or let me talk to someone who could. Just bizarre but based on all the other tricky dishonest practices they have I am sure this was just one more that they concocted. Frustrate the homeowner so they walk away. I had A LOT of equity and I am sure they would gain more from me walking away then working with me. I am sure I am not a lone in this. I never was late on payments I never stopped paying them but I had a 10 year Heloc that I could not get refinanced even through I owned several properties and a commercial building and at one time had a good credit score. I have never filed bankruptcy or defaulted on a loan other than this fiasco. The whole loan re modification process was a joke. How disorganized they were. How they handled it all. I have properties not belonging to me in my file which I told them no fewer than 10 times over many months time did not belong to me…! I called many help lines all of this save your home and the government programs nothing but a joke. I want to know what I can do as far as a lawsuit goes. To say I hate Wells Fargo is an understatement. The stress of trying for over 3 years to get a re fi or some help and the stress of the foreclosure has taken its toll on me and now I am closing my business of 40 years selling many things and just walking away. I have had anxiety daily over this whole night mere. I hate Wells Fargo. I feel they intentionally were very difficult and unreasonable to work with deal with. They have no decency or moral practices unreasonable to work with, a night mere to deal with. They have no decency or moral practices. I hope they go down hard! But I am not happy with many losing there jobs. I never though in a million years I would go through something like that. I had been lucky to start and have at one time a successful business for many years, not so much now cheap China imports have killed me. Time to lick my wounds find a cheap place to live and retire but boy do i wish I could sue them. I have never sued my one in my life…Mind you this is the second run in with a bank. I had an issue when the market crashed in sept 2008. Bankster seem to be doing so many manipulative and shady practices that was the start of bad things to come :( My business line was pulled and I was forced to pay back a large amount on a totally secured line of credit. I had a commercial building fully paid for securing the loan which but to the fact ALL the banks stopped loaning money I was screwed and had to borrow from a private lender even though I had a 800 plus credit score. I could not re fi a fully paid for building I could not get another loan and pay the line down slowly no only thing I could get was a private high interest loan. That started it all. Yes eventually I was able to get a Small Business loan :( not the best deal by any means. F_ck all the banks CROOKS!!! Pisses me off to no end what they get away with. Wish we were like Iceland jail the Bankers!!! over throw the Government officials as in oust them from office and start fresh. American Dream has become a night mere!! Sorry for the ramble. Yes I would love to sue them!

  9. Be aware:
    Wednesday, December 28, 2016, 21:57:57 (since November 29, 2016!)

    Online access is currently unavailable!
    To access your accounts online please try again later or re-enroll for online access:
    Online Banking customers, please visit wellsfargo.com and select Sign Up at the top of the page, or call 1-800-956-4442
    Online Brokerage customers, please visit wellsfargoadvisors.com and select Sign Up, or call 1-877-879-2495
    When I called to ask when the Internet would be available again, I suddenly was put through the “third degree” to Identify who I was. I instated a personal specific password which was to be used instead of the last 4 digits of the SSN, which is a violation to be used as Identifier in accordance with the Social Security Act. Not even 1 digit, confirmed the Social Security Office when I called to verify my understanding of said law.

    I had provided all information except the SSN. I was being harassed to no end for daring to refuse to give my SSN., and forced to be put through a scam at their so called “fraud Department!” There, after I clearly Identified one address ( # Street and town) the Wells Fargo employee rattled down at least 10 more addresses (# and Streets only) which prompted me to ask in which town those addresses were supposed to be since at age 77, I had lived in many different places. He (alleged Mikel) responded: “I cannot tell you” why I questioned further. He replied: “I do not have that information!” Then he claimed that I did not pass wherefore the access to the internet would be blocked until I would drive into the next town to show them a picture ID, thus they could then claim that “I” alone was denied access to the internet!

    It’s a trick to steal my home as they have done to so many people!

    Suspicious, is the above message which exists still today, as indicated above with proof of date and time stamp!

    This fraudsters infiltrated Wells Fargo with the merger of Wachovia! A bank they most likely pushed into bankruptcy like a previous bank that went the same route before Wachovia.

    The S&L issue was the forerunner. A friend who had owned S&L’s, informed me that this was a government scam! They stole the moneys and flown them to the Caiman Island, the Bahamas and Luxemburg by the plain loads full of money bags! They defrauded just the same, many home owners!

    In a different town, I spoke to a manager of an S&L who mentioned that they were not in the red, were doing fine but the Federal Government was shutting them down! He further stated: ”watch out, they are going after the banks next!”

    Here we are! The man was right!

    Those infiltrators are obvious loaded up with trickery!

    In my case, they placed my Mortgage payments every November as it seems, and again in March (programmed) into “UNAPPLIED” although I made the payments correctly and always on time!

    For the November 01, 2015, payment it took me 9 solid days until they finally corrected it. This was extremely nerve wrecking.

    The March 01, 2016, payment anew was placed in UNAPPLIED! I had always transferred the moneys from my checking account with Wells Fargo to my Mortgage account with Wells Fargo online, which provides solid proof of the proper monthly payment being made.

    Anew, I had to fight and fight, faxed the proof to the CEO’s Office. Still today this payment is recorded as UNAPPLIED. Tired of their excuses: “we need more time to investigate!” I wrote a 25 page complaint with proof of payment etc. and faxed it to the FDIC since the fax I had for the CFPB, could not handle more than four (4) pages. The FDIC submitted the complaint to the OCC from where it was forwarded to the CFPB, who made 3 complaints out of one and the same, and by now there are approximately 8 or 10 numbers! They are supposed to protect the consumers, yet they told me, we do not protect individuals! No, they protect the criminal fraudsters in the Banks instead! It’s yet an other do nothing, pretend agency paid by us tax payers! So far, to date, they have done nothing but further given Wells Fargo extension over extension to investigate! (Although solid proof of correct payments have been submitted!

    With the 25 page complaint lodged with the CFPB, Wells Fargo anew placed my November 01, 2016 mortgage payment into UNAPPLIED, where it most likely still is. I, conveniently am blocked from access to the Internet!

    Since I could not make my payments through the internet transfer as usual, I made all my monthly payments through the US Postal Service via Money Orders and certificate of mailing. I indicated on the paiment to Wells Fargo & Ditech/Green Tree, (both Walter Companies.) who equally do the fraudulent “UNAPPLIED” trickery:
    “Paid Under Protest.”

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