Very discussing service. Two issues. I have a loan with Wells Fargo that is about 5 years old. Never late always on time with payments. at 4.77% rate. Tried to refinance at lower rate. After 11 months of paperwork and sending documents. and getting TWO SETS of "Letter of APPROVAL". NOTHING. After all that my interest rate goes down only by 1/2% and monthly payment goes up by $100. I gave up after 11 months. Second Due to Corona Virus they was a very heavy waiting line (much more that the usual 10 minutes I used to get). I mailed TWO deposit check to main office to avoid the lines. Both checks that was sent by mail LOST. only found out when I was asked why I haven't cashed those two checks after a month and half. Very discussed with Wells Fargo