| EntryNo: |
3815 |
| Date: |
Saturday
11:41 PM
02.02.2019 |
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Carole |
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Warning ... to anyone who has or thinking about getting a Wells Fargo Home Mortgage or Equity Line of credit. Although WF requires you maintain a Homeowners Insurance Policy, if you are in need of filing an insurance claim, WF will keep your claim proceeds & refuse to respond to you. They have breached their very own claims protocol to which we had to hire attornies just to get our own insurance proceeds that we’ve already paid into. This process has lasted for over eight months. We have over five personal accounts & four business accounts with WF ... soon to be “had” .... Disgraceful & Inexcusable !!!
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| EntryNo: |
3814 |
| Date: |
Thursday
05:04 AM
31.01.2019 |
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John Doe |
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Ed Meister and Wells Fargo Merchant Services - former employee. The most horrific, damaging, experience of my life. And i'm tired of "just letting it go".
Here is the correspondence I emailed to him and the CEO but NOTHING will come of it. When employed, went to HR who did NOTHING... as expected from what others have experienced. This company is corrupt ... run far far away.
Ed, i'm sure you know who this is and trust me when I say, there will be more to come. You were an integral part of "taking" 2 years of my life - away from friends, my family, and myself. The highs initially, then the lows following - what a roller-coaster ride you inflicted.
I'm not getting into too much details but I've kept a detailed journal of my experience at Wells Fargo Merchant Services, full of recordings, documentations of many HR violations from what i've read online - even involved HR (which is a corporate ruse/band aid).
My primary physician who has put me on medication for my anxiety which Wells Fargo, YOU - brought forth upon my family and I - this i will never forget. And to this day, I experience much traumatic stress and please do not try to relay any of this on your existing team - some who I stay in touch with.
I was 208 pounds when leaving Wells Fargo and now I am 175, feeling amazing, renewed, but still broken. My confidence as a professional but more importantly, as a father and human being - an extremely caring one, YOU took that from me. And TRUST me when I say EVERYTHING has been documented.
And you need to be held accountable - the way you have treated me and others, the "ones" not in your favor ... absolutely dehumanizing. And many are afraid to speak out, trust me on that too.
You owe me an apology moving forward, i'll give you 1 week - if not, i'll start listening to my attorney.
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| EntryNo: |
3813 |
| Date: |
Tuesday
10:42 PM
29.01.2019 |
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Bob Gaebler |
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https://plus.google.com/+Bob Gaebler/posts/Md4uR3RMsc8
https://tips.fbi.gov/verify
FBI subject information:
This woman has conspired and colluded, with Co.Santa Clara, State of California, and City of San Jose, to injure me, KNOWING of the Silver Bullet FATWA, which I did NOT suspect, until Bataclan attack in Paris, November 11, 2015 or confirm, until I retro-analyzed selfies, by Mujahidin, AND I noted the Nice Bastille Day rundown driver looked like CAL student Ahmed Fareed, in his selfies, while CAL junior Nick Leslie was center-mass target, in the rundown, which killed 87.
W/F VP Lani Dalrymple has with San Jose, Co.Santa Clara, and State of California conspired to violate RICO, the Sedition Act, and the Logan Act, by knowingly inciting insurrection, about which I could not have known, beforehand, but the corporate and government perpetrators of criminal misconduct had every knowledge, all the way, to Reagan and Bush coordinating showbiz intel, with CIA-level intel, as sedition issues, from every White House, since Carter incited the Iranian Revolution, yet he and all ex-presidents endorsed dangerous concerts, now to be avoided, while I am their Judas Goat, in Co.Santa Clara, which abuses me and enables elder financial abuse, by VP Lani Dalrymple, to precede the entire ORLANDO MASSACRE TREND, and YOU GAPED, THE WHOLE TIME~!
Where's Tweety with the lawyers, chasing Hildog, to Moscow? AGAIN?
California does not deserve FEMA or incremental jail subsidies, and the US should sue, for return of all related monies, NOW, or accept sedition to erode border security as the unfair price, for Tweety getting fresh, on his way into the White House, like the Democrats will put up with Whitewater and all, and then cooperate to secure.
NOT! Get busy.
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| EntryNo: |
3812 |
| Date: |
Tuesday
09:19 PM
29.01.2019 |
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Bob Gaebler |
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W/F killer VP Lani Dalrymple SNT Seattle Fl.40 Seattle Center,
Just to make sure YOU and Wells Fargo get it about how YOU are really, REALLY a -BADWORD- selection, under Nancy Aldritt, for my "relationship team," YOU are inciting ongoing insurrection, via INTIFADA, for deliberate abuse, of the SILVER BULLET FATWA.
Your use of David Silva and Irene Keenan is particularly responsible, for the Orlando Massacre TREND, which YOU co-incited, with Wells Fargo, State of California, and others, who conspire to violate RICO, the Sedition Act, and the Logan Act.
Your ongoing negligence is to be remedied, if not relieved.
I MEAN IT. YOU ARE GETTING PEOPLE KILLED AND PROPERTY DESTROYED.
YOU EMBODY GROUNDS, FOR A LAWSUIT, TO CONFISCATE WELLS FARGO ASSETS, while my Exxon-fed sister gets to figure out, YES, MARTY, YOU DO GIVE A -BADWORD-, HOW WELLS FARGO CARRIES OUT CONSPIRACY BECAUSE YOU ARE ALSO ON THEIR HOOK, FOR CONSPIRACY COUNTS, IF THESE DROP, from somewhere.
You sure did clam up, too hard, given you had a career at PSU as professor, pushing the Exxon propaganda, which got Rex-gen Exxon severally investigated and fined, re climate change and anything else they did, questionable.
They got fined a LOT, and Tweety would NOT shut up, so he got called a MORON, since he could see he'd get elected, way back when Obama was the -BADWORD-, in the White House, and then Trump took himself off, with Karen, Stormy, Manafort, etc., but wait.
Let's see if the Democrats will cooperate with any White House effort, given Trump wanted to chase off to Russia, for Hildog's e-mails, in the wake of Linda Tripp, Kenneth Starr, and Whitewater, while Hildog AND Trump both ignore Chris Stevens had two offers from a Marine general, for more consular office protection, but he declined and stayed in Benghazi, anyway.
What in -BADWORD-, who graduated, from CAL! Know CAL Berkeley, if you follow INTIFADA.
Khalfani Muhammad graduated, but we ALL keep up, with the Bears and NFL and NBA.
THAT INCLUDES GUYS, WHO DO SUICIDE ATTACKS, leaving tags, related to what they know about ME, in the events, while the Regents do fake news, with the .edu and corporate clowns, on TV and at foundations.
What's YOUR sorry-as-pooh excuse, for all those "co-authored" methane studies, but you don't get it the earth will go hot-house, for sure, mainly related to fossil fuel abuse, as marginal cause?
I'll settle your climate science, as soon as you quit sucking up to Paul the faggot, who bought that -BADWORD- trust, from Wells Fargo, which assigned -BADWORD-s, to arrange abuse, so there's bound to be INTIFADA, enough to sue Wells Fargo the -BADWORD- out of business!
---------- Forwarded message ----------
From: bobgnote <bobgnote@gmail.com>
Date: Tue, 29 Jan 2019 12:45:21 -0800
Subject: Thank you, Marlene + reply Re: Your recent intake with LFSV
Marlene,
To confirm, SSA sent notice of overpayment, related to my payments while homeless in Mtn.View, to my former UPS box in Mtn.View, knowing or they should have known I was receiving mail, at Mail Window, 80 South Market Street, San Jose, 95113, since I notified them, severally, in May 2017 and later, when Anuja Kumaria handled an earlier overpayment claim from them, Summer 2017, that mail was to be sent to 80 So.Market St., SJ 95113.
They started taking out money, in large part, BEFORE they ever sent me the April notice we now both have, since I never received this, at 80 So.Market, so it's new, to us.
For the purpose of my seeking a hearing, they provided a copy, of the notice they sent, to my UPS box, in Mtn.View, which I cannot now locate, due to hassles, with repeated moves.
The appeal deadline is irrelevant BECAUSE I NEVER RECEIVED THE APRIL NOTICE, but SSA did keep docking my payments, which I have to check, with B of A because Wells Fargo kept abusing me, while holding $950K assets in the Robert S. Gaebler SNT, which SSA kept forcing me to repeatedly produce, for their Mtn.View office, as a trust agreement, routinely abused, by both Wells Fargo AND SSA, so I am never properly housed, while the county conspires to use me as Judas Goat, to incite insurrection, per the Silver Bullet FATWA.
Heard of UBL? I didn't know there was for sure a FATWA, around ME, until 2016, after the Nice rundown on Bastille Day, in France because CAL grad Nick Leslie was center-mass target, for a driver who looked in selfies, like Comcast-NBC BA Sports commentator Ahmed Fareed, a sometime CAL student, who graduated, from Syracuse.
I didn't suspect the understated FATWA, now evident, since 1978, until Bataclan.
Wells Fargo, Co.Santa Clara, and the state co-incited in large part the entire Orlando Massacre TREND, to include all INTIFADA events, world-wide, since 6'6" Omar Mateen shot a lot, at The Pulse nightclub, in Orlando, June 13, 2016.
Somebody messes with me? HEADS ROLL. I am not more aware than THIS belated admission, forty years after the FATWA obviously issued, concurrent with the Iranian Revolution because I DID NOT CONSPIRE, to get ripped off by John Lennon AND Bill Graham, who ended up dead, or stabbed, by HIV+ punk Chris Christensen, at the Presidio, riding around in a vintage Ford Thunderbird, who charged me, stabbed my hand, with a nail file, and then ranted, "CALL 911," to incite UBL and Mohamed Atta, to their fateful actions, WHICH I DID NOT CONNECT TO THE 1998 STABBING, until today!
Christensen and his punk, also suborned for perjury by USA/SF Robert S. Mueller III's vindictive prosecution, directed at ME, CR9  087(mag) were riding around, drunk, in that T-bird, which is why airplanes went into those Twin Towers.
I DIDN'T GET IT, UNTIL TODAY, but who abuses ME is likely to be a conspirator, who knows there's a FATWA and knew about it before I knew, so people get killed, around the world, while I am where groups AC-DC through ZZ Top ripped guitar, and I am now a Muslim, so please be aware of the ongoing insurrections, to include the Cincinnati bank shooting, Pittsburgh synagogue shooting, Borderline Bar shooting, all in NFL venues, to precede the deadly arson-affected "wildfires," of November 2018.
SSA keeps messing with us, so I will go get exact deposit amounts, about HALF of what they allege in the April 2018 notice, which we did not see, until I visited SSA in December!
THEY CHEATED ME, AND NOW, THEY LIE. They provided me only the UPS notice, for purpose of my appeal, and now, they have another notice, this one addressed to 80 So.Market St., but not in my possession, until December, when I had to wait to talk to reps, at two different windows, to get not enough documents.
I also now have an appointment notice, for 9:30 am, Thursday January 31, 2019, THIS WEEK, so I'll definitely go to THAT and advise you, of any determinations, ASAP.
SSA keeps churning all this and then messing with the processes, of notice and review.
TO CONFIRM, I am very serious about what happened and what will happen, IF I am abused, so let's also try to make sure nobody else gets with the Sheriff, to 5150 me, to either hold me for six months or force me to endure NEPHROTIC MINIMAL CHANGE, so I am 70 lbs. or more, overweight, from all the water, oozing out my lower legs and feet, so I have blisters all over my legs, and the skin flakes off, looking like I'm a cornflake tree.
BECKY MOSKOWITZ comes to mind, here because she knew or should have known of the NEPHROTIC MINIMAL CHANGE, since I told her, in 2013 and 2016, when she did successful SSA appeals, but Jim what'shisname was letting me get slammed, over refusal to take meds, for no-discovery false arrests.
THIS GETS PEOPLE KILLED, so who knows about it conspires to violate RICO, the Sedition Act, and the Logan Act (1799).
Conspiracy counts may come from any direction, since injuries accrue, WORLD-WIDE.
Civil RICO is a possibility, with Wells Fargo having deep enough pockets, to bait an action.
The counties and states could lose their FEMA money, related to the arson, since PG&E is not solely responsible, for all the destruction, on their compromised watch.
THAT'S AN INTIFADA, BURNING ALL THOSE HOUSES, ON CUE, from MY FATWA.
Let's make sure SSA plays straight and fair, for once, since they are always cheating me.
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| EntryNo: |
3811 |
| Date: |
Sunday
03:55 PM
27.01.2019 |
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Christina |
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Wells Fargo prays on the elderly my Mom will be 80 years old in a couple of months she has a ARM that Wells Fargo just reset increased her rate .750%. My Mom still works to pay her mortgage and has never been late. This increases her monthly payment $65 decreases the amount that goes to principal and increases of course the amount that goes to INTEREST. My Mom just received $50 increase in social security isn't it ironic that they increased her payment $65 per month. Wells Fargo taking advantage of 'anyone' high and low to make a buck. Wells Fargo sticking it to you at every turn. They are one of the most incompetent slimy banks! I know from the inside but there day is coming... It's not a matter of if it's a matter of when they self implode.
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| EntryNo: |
3810 |
| Date: |
Friday
09:28 PM
25.01.2019 |
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Bob Gaebler |
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On 1/24/19, Seattle SNT VP Lani.Dalrymple wrote:
>
>
> Hi Bob,
>
> It's good to hear from you. How is the Chromebook working? I hope your
> foot is better. Let me know if you need anything like new shoes or socks
> and I can have Irene order some for you. The ABC payment for $172 went out
> on 1/22. We'll send it every month.
>
> Take care,
>
>
> Lani Dalrymple, CFP(r)
> Vice President
> Special Needs Trust Services
---------------------
Lani,
Thank you for your reply, to issues I raised in my earlier e-mail.
YOU NEED TO NEVER, EVER FAIL, AT PAYING STORAGE OR OTHER BILLS.
Reason is Mujahidin KNOW what you do or do not do and your intent.
IF they think a reason exists, to generate an insurrection, including murder and arson, THEY JUST DO IT, W/F VP @Seattle Center Lani Dalrymple.
Ever hear of 'JUST DO IT?" PG&E thinks it wants bankruptcy, while CalFire suppresses discovery, of ME and MY FACTS! They just did THAT, so mind your impulses.
WHAT -BADWORD-S, are PG&E, who employed my stinking uncle, who ferried the deed to the RSG SNT over to -BADWORD- Walnut Creek, George Gaebler, for his entire, corrupt career and my Dad, for a couple of years, when I was little.
I'll NEVER get Nancy Aldritt in Walnut Creek to move her lezzie -BADWORD-, to help me! If their pigs -BADWORD- up, and a Sgt.David Rangel WCPD did this, swatting ME, with SJPD, Boko is liable, to do something, like spend Mujahidin, to kill SF Sgt. LaDavid Johnson and three of his US Army Ranger companions, trying to infiltrate, into Niger, without talking, to ME.
So when you -BADWORD- up and failed to pay, Mujahid Christian Rivera, an illegal alien butchered Molly Tibbetts, which I could see was a hadjing because he looked EXACTLY like "Dennis," the Filipino who helped move my SJ holdings, into A-1 Storage, which I abandoned, a month later, so you didn't need to pay THAT bill.
But you were holding out, on ABC Wyandotte LLC, with all my Mtn.View belongings in there, and THIS was known, to Mujahidin, not to me, and THEY KILLED BECAUSE THEY COULD SEE DOWN THE ROAD, TO THE COUNTY TRYING TO INTER ME, again and again, in 2018.
Since SJPD and SCCo.Sheriff were very busy at their corruption, directed at ME, on your behalf, Molly Tibbetts was slaughtered because she looks like my college buddy, whose CAL boyfriend, Professor Doug Whitman had gotten into a Kay Jewelers TV ad, which would show, later in the year, before Christmas.
The Mujahidin know YOU, what you had for breakfast, your Mom's name, the works!
WHEN YOU SCREW UP, IN YOUR USUAL WAYS, THEY FIND OUT, but they don't just give me an e-mail, since THAT would open me up, to conspiracy counts.
As it is, from your usual negligence, stemming from refusal to house me, when I was healthy, at some place like The WOODS, so I could move myself, Mujahidin have killed a lot of people and burned a lot of ground and houses.
When you screw up, like you do it or maybe it's SVILC, where I sometimes do phone and PC work, they do murder suicides, with people who are evocative, of SVILC persons of interest, like former Marine Albert Wong, who shot three dead, in Yountville, CA., after a punk at SVILC by that same name kept trying to fight me, or Madden Games killer, David Katz, who killed two and himself, looking exactly like SVILC staffer Frances Merrill's brother.
WHEN YOU SCREW UP, PEOPLE GET DEAD, over your abuse of the very active but totally understated SILVER BULLET FATWA, so wise way the -BADWORD- up, Lani.
I still need to recover my health and MOVE, to proper housing, not stay in sub-code places, run by Filipino tweakers that Irene engaged or my lucky but temporary residence, at Mission Motel.
Sherry Reid is crazy, continuing to have sub-code contracting done, such as causes the circuit breaker for my kitchen light to cut power, whenever 104 has the TV on or 107 has a heater, etc.
She thinks I'm running the e-blanket when I'm not in bed, so she gets accusations out, for the last couple of months, same nonsense, when my blanket is OFF, by 6 am, and my space heater NEVER is in the circuit, which breaks, and it has its own breaker.
We didn't have outages, until she wouldn't let me move, into 101, away from the smokers, in 105, who blew out my kidneys, back in July 2018, and so when I get ready to watch GAME OF THRONES, this Spring, I want to be healthy.
I am working out, while seated, using rubber and weights, but I think Sherry's handyman, who does her plumbing and -BADWORD- like the circuit breaker, with 104 through 107, to include the laundry room is they guy who burgled a number of items, when he fixed the leak, in my shower, which has poor hot-cold balance, so I shower only once, per week.
Without that bed, to help during my extended illness, I'd be in more of a hurry, to move.
YOU NEED TO BE SENSITIVE, TO MY NEED, FOR PROPER HOUSING.
YOU NEED TO GET THAT WAY AND STAY THAT WAY, please.
You sure as can be don't get it that Mujahidin are killing and burning, over YOUR lousy job performance, which endangers the public, criminally, since 2016.
You conspire, to violate the Logan Act and Sedition Act, with RICO.
Now get it, that I need to -BADWORD- MOVE, to a real apartment, like at The WOODS, hey!
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| EntryNo: |
3809 |
| Date: |
Thursday
09:49 PM
24.01.2019 |
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Bob Gaebler |
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W/F VP Lani Dalrymple Fl.40, Seattle Center:
You failed to reply, AGAIN.
YOU are inciting arson and murder, in California and in the several states and nations.
YOU do this, while failing to read, write, and reason, above the third-grade level, from your -BADWORD- office, Floor 40, W/F Seattle Center, where you choke out payouts, from the Robert S. Gaebler Special Needs Trust, a -BADWORD- scam, with $950K assets, hogged by YOU and your -BADWORD- bank, which has no functional customer service.
DON'T YOU THINK MAYBE YOU SHOULD GET SOME RESOLUTIONS, THIS YEAR?
The Camp Fire alone took out 14K houses, from co-incitement to arson, by YOU and the State of California, with others.
It was preceded, by the Borderline Bar shooting, in Thousand Oaks, California, where Alaina Housely was center-mass target because thousands of houses would BURN, starting the day after the carnage.
WHAT'S YOUR SORRY EXCUSE AND PG&E's, FOR CONCEALING THE ACTUAL NEXUS, FOR REVIEW, SO -BADWORD- PIGGIE IS HURRYING, TO DECLARE BANKRUPTCY, IN CALIFORNIA?
All this, and Islamic State is twitting at Silicon Valley Independent Living Center, by killing, with a former Marine, named Albert Wong, same name as a punk who tried to fight me, and by the Madden games killer, who looked like a male version, of my contact at SVILC, Frances Merrill, close enough, to be her sibling.
Don't you -BADWORD-s on Floor 40 reply, to anything? IF IT'S IMPORTANT, YOU CLAM UP.
YOU kept me at Contemporary Victorians, in February 2016, to precede all of this murder and arson, in the Orlando Massacre Trend.
I guess you and the -BADWORD-s at the FBI must be kissing and agreeing, to fabricate fake news, with known false reports, YOU -BADWORD-.
Don't forget to pay my goddamned storage bill, this year, since you keep giving money to Irene and her posse, for hacking me, with that court of fraud we had, in D61, with -BADWORD- Judge Stephen Manley co-inciting attacks, by Islamic State, Al Qaeda, and the rest!
YOU -BADWORD-, GUILTY -BADWORD-!
You kept me out of proper housing, since 2016, to incite the lot of this mayhem.
I can only wonder how much of Washington burned the hell down, from you punking the storage, to precede the slaughter of Molly Tibbetts, in Iowa.
Mujahidin knew the Rivera brothers, from CAL, and they knew my old roomie, Professor Doug Whitman, an SJSU grad was in an upcoming TV ad, for diamonds, from Kay Jewellers, AND they timed the killing, by Christian Rivera, when YOU and Irene were -BADWORD-ting me about "language," while failing to notice you didn't pay ABC Wyandotte LLC, for my storage, so you went and tipped them a load of fees they tacked on.
Mujahidin Rivera looked just about like "Dennis," the Filipino who helped move me, while the Mujahidin were trying to reinforce my suspicion, that Mark David Chapman, who killed John Lennon was also a Mujahid.
GET IT? THEY KNEW A MARK CHAPMAN AND #7 STEVE RIVERA HAD BOTH GIVEN ME STERN BASKETBALL LESSONS, LONG AGO, AT A COURT THAT IS NOW BUILT OVER, IN BERKELEY, after these talented guys whipped me, 21-0, repeatedly, on the very same court, which should remind YOU that I've needed legal help for expungement, or more people are going to -BADWORD- DIE or get burned out, from your -BADWORD- negligence and from -BADWORD- David Silva's effort, to get me on the same meds, that burned out my kidneys, so I am many pounds, overweight, with blisters on my legs, that look like radiation burns.
How about that Fukushima disaster, that happened, in 2011, when I was in hospital, FROM THE SAME, -BADWORD- ABILIFY, like County of Santa Clara wants to pound into me?
The latest infirmity is from only four days, of forced medication, by VMC, which has Law Foundation of Silicon Valley front, for their abuse of process, while suppressing my actual medical history AND my actual physician, Dr.Abraham Cabebe, of Planned Parenthood, whom I have to call for a February 2019 appointment, since -BADWORD- VMC likes to 5150 me, preceding kidnapping.
I HAVE DONE MONTHS OF BAD TIME, FROM LFSV FRONTING, FOR COUNTY OF SANTA CLARA 5150, 5250, AND INVASIVE MEDICATION MANDATES, while they suppress my actual medical history and my actual physician, all of which we could have avoided, but YOU were fronting, for -BADWORD- David Silva and for Irene Keenan and for attorney Thompson Sharkey and the -BADWORD- 1368 PC review they used, to take me away, from my camp and my cat, while we should already be living at The WOODS, tiger and all.
YOU PIECE OF LEZZIE SHIT! PG&E IS AS QUEER AS YOU ARE, for going under.
France, England, Germany, and the several states could sue Wells Fargo under, over this.
YOU PIECE OF SHIT! The Orlando Massacre and insurrections, since could not have happened, but for your -BADWORD- office and your -BADWORD- bank, choking payouts, from the Robert S. Gaebler SNT, so much that I am in a motel, with crazy Sherry Reid not getting it about code violations, from the handyman she lets steal from my room, while he wires the circuit breakers so one controls 104 through the laundry room, to 107, and she keeps ranting at ME, claiming the damn thing closes, from MY e-blanket or refrigerator.
I should be at The WOODS, across the street, since March 2016, -BADWORD-!
And many people, killed by Intifada actions should still be alive.
Wells Fargo needs to get sued right out of business, and YOU NEED TO DO SOME TIME.
---------- Forwarded message ----------
Lani,
You can't read and write very well, so here's some practice paras, for YOU.
You ignored my request for attorney assistance, from your bully pulpit, in Seattle.
You are probably inciting arson, up in Washington state, but I don't get a lot of news about two states, to the north.
California, on the other hand burns the hell down because of YOUR CORRUPTION and the state's and CAL's and Stanford's, with that fire axe they play football about.
W/F sucks attorneys into corporate advocacy, with all the other corrupt corporations.
So I don't have someone cleaning up my false record, YET, and I'm 67, getting wrecked, in San Jose, which is your idea of a good time, NOT MINE.
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| EntryNo: |
3808 |
| Date: |
Tuesday
11:41 PM
15.01.2019 |
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anonymous |
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No asset cap for Mr.Sloan and Wells Fargo for 2019 and beyond according to Bloomberg.
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| EntryNo: |
3807 |
| Date: |
Wednesday
02:26 AM
02.01.2019 |
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Mike |
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After 14 years, I overdrafted once and they could not take away the fee. I had money in my savings and signed up for overdraft protection years ago, but they refused to acknowledge that nor take away my $35 fee. Then when I called to close my account, they made no attempt to save me as a 14 year loyal customer. Furthermore, they ended up not closing my account as promised by two representatives and continued to charge me service fees. What a terrible bank with terrible customer service!
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| EntryNo: |
3806 |
| Date: |
Monday
06:33 PM
31.12.2018 |
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anonymous |
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Business
‘They destroyed me.’ Wells Fargo’s mistake forced her to sell her home.
The bank improperly denied help to nearly 900 homeowners. Here’s one woman’s story.
Michaela Christian was forced by Wells Fargo to sell her Las Vegas home or lose it to foreclosure in 2013. Christian, pictured here in Lake Havasu, Ariz., is among nearly 900 people affected when Wells Fargo refused to modify their mortgages. More than half lost their homes to foreclosure. The company has admitted a mistake in her case and offered her a $15,000 settlement. (Joe Buglewicz for The Washington Post)
By Renae Merle
December 31 at 11:44 AM
Michaela Christian lost a long battle with Wells Fargo in 2013 to save her Las Vegas home, a defeat she says changed the course of her life. When the bank refused to modify her mortgage, Christian moved in with a friend and scrambled to rebuild her life.
Five years later, Wells Fargo admits it made a mistake. Christian, 46, qualified for the kind of mortgage help that may have saved her home after all.
It is a mistake the giant bank admits it made nearly 900 times over several years, pushing hundreds of distressed homeowners into foreclosure.
Christian said when she learned of Wells Fargo’s error, “I was sick to my stomach.”
“They destroyed me and destroyed my everything.”
Wells Fargo’s admission is part of a cascade of lapses that increased scrutiny of the San Francisco-based bank. Some Democrats in Congress are calling for the ouster of its chief executive, Tim Sloan. Over the last two years, the bank paid more than $1 billion in fines after admitting it opened millions of bogus accounts customers didn’t want and then found itself is more trouble after improperly repossessing thousands of cars.
Critics have also jumped on Wells Fargo’s decision to cut 26,000 jobs while it reaps the benefits of a corporate tax cut that is expected to boost its profits $3.7 billion this year.
[Wells Fargo could pay its $1 billion fine three times with funds generated by its 2018 tax cut.]
The bank has repeatedly apologized for its missteps but is struggling to repair its image. Customers who lost their homes are being offered compensation or can enter mediation, company officials say.
Wells Fargo says an internal review found that the bank denied help to hundreds of homeowners after fees charged by foreclosure attorneys were improperly used when the bank determined whom to offer mortgage help. The computer error began in 2010 and was not corrected until last April, the bank said.
Overall, 870 homeowners were denied help for which they qualified, including 545 who lost their homes to foreclosure. Wells Fargo says it has reached most of the customers affected and set aside $8 million to compensate them, though industry analysts say that number is likely to increase.
The revelation echoes the complaints of thousands of borrowers in the years after the financial crisis that banks were stingy about offering help with borrowers' exploding loans.
“Wells Fargo failed to maintain its systems, failed to find problems when they occurred and then masked the problem for years,” said Alys Cohen, staff attorney for the National Consumer Law Center.
Christian bought her home in 1998 when she was 24. At the time, the three-bedroom home was on the outskirts of a growing Las Vegas. There weren’t a lot of stores nearby, but Christian said she loved the neighborhood. “In the 15 years we were there, everything was perfect,” she said.
But in 2011, Christian lost her job as a bartender as the economy continued to sputter after the global financial crisis. Then she was in a car accident that left her with a fractured pelvis and crushed tibia. “I wasn’t even able to walk for seven months. I couldn’t work.”
One of her first calls for help, she said, was to Wells Fargo. Christian asked the bank to defer her more than $1,000 monthly mortgage payment or lower the 7 percent mortgage interest rate to the prevailing rate at the time, about 4 percent. That would have lowered her payments to about $500 a month, Christian said.
“They said ‘Have a nice day’ and denied it," she said.
[Wells Fargo admits it incorrectly foreclosed on homeowners it should have helped]
A few months later, Christian said, Wells Fargo began foreclosure proceedings against her. With the help of her father, she found a job that allowed her to maneuver with a cane, and spent months searching for help. she said. Christian said she even offered Wells Fargo an additional $4,000 to make up for some of her missed payments.
Ultimately, Christian said, she faced what she considered an unfathomable choice: sell her home or lose it in foreclosure.
“It was the last thing I wanted,” she said. “I didn’t want to uproot my son. He had grown up there.”
After a quick sale of the home, Christian temporarily moved in with a friend and then into an apartment.
“I was in a daze," Christian said through tears. “I thought, 100 percent, I was going to be able to save my home. I had my finances in order. I could not for the life of me figure out why they wouldn’t refinance.”
The answer came in September when Christian received a letter and a $15,000 check from Wells Fargo, admitting its mistake.
“We want to make things right,” the letter states. “We realize that our decision impacted you at a time you were facing a hardship.”
Wells Fargo’s letter didn’t explain how it determined Christian was due $15,000. After selling the home for $135,000 in 2013, Redfin now estimates it is worth about $250,000. And Christian estimates she had already accumulated about $30,000 in equity after making mortgage payments for more than a decade. And that, she said, doesn’t include the $20,000 pool she had installed.
“You can’t put a price on what we lost. The scars will be there forever, I will never get over it,” said Christian, now part of a class-action lawsuit against the bank. “I still miss my neighbors."
Wells Fargo has declined to discuss what, if any, formula it has used to determine how much each customer is owed. The compensation offered each homeowner is based on “individual circumstances,” said Tom Goyda, a bank spokesman.
Wells Fargo worked extensively with Christian and “completed multiple reviews in an effort to find an option that would allow her to keep the home,” Goyda said. Unfortunately, he said, the bank was unsuccessful.
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