I am writing this review from the ashes of a real estate deal that Wells Fargo single-handedly torched through a combination of staggering incompetence, breathtaking unreasonableness, and a complete disregard for a loyal customer.After weeks of an arduous underwriting process for a loan, after providing every single document they asked for (and then some), after jumping through every hoop, we were literally days from closing. With zero warning, at the absolute last possible minute, they threw in a completely new and unreasonable demand related to a tax payment—a detail that had been in their possession for weeks and was suddenly a "problem" now.This wasn't a simple request. It was a logistical impossibility designed to fail. It was a move made by an underwriter who either didn't bother to look at our file until the 11th hour or simply did not care about the human and financial consequences of their actions.The ultimate insult? My history with this bank.I PAID OFF A MORTGAGE with Wells Fargo.I have held both personal and business accounts with them for years.I have entrusted them with tens of thousands of my dollars.This loyalty meant less than nothing to them. They treated me with more suspicion and incompetence than they would a first-time customer off the street. My decades of on-time payments and the significant assets I park with them counted for zero.Their last-minute, impossible game-playing has likely cost me my deal, and with it, thousands of dollars in earnest money, inspection costs, and irreplaceable time.This was the final straw. This Monday, I will be personally walking into a local branch and closing every single account I have with them—business and personal. I will move my life’s savings to a local credit union that understands what the word "relationship" means.I will spend the foreseeable future telling every friend, family member, colleague, and even strangers in line at the grocery store to run, not walk, away from Wells Fargo. This bank is a hollow shell, a bureaucratic nightmare that rewards incompetence and punishes loyalty. Save yourself the inevitable heartache and bank literally anywhere else.
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