• 25 Feb 2011 at 10:45 AM

Area Man Sinks His Fangs Into Wells Fargo, Threatens To Foreclose On Bank

By

Patrick Rogers, pictured at left, was just going about his business one day when Wells Fargo rather rudely informed him that the the $180,000 insurance policy on his home wasn’t good enough– they wanted the place insured for $1 million. Rogers disagreed and told Wells Fargo that he would not be following through with their demands. The bank’s representatives decided they didn’t care and went to the insurance company themselves and “forced” the policy. “You can imagine a premium on something like that,” Rogers says. This was the “genesis of a dispute” between Wells and Patty, who did not take the bank’s bull shit lying down. He found a little known law from the 1970′s that said if Wells didn’t acknowledge and respond to his inquiries, he could take them to court, which he did, and ultimately “ordered a sheriff’s sale on their downtown branch in Philadelphia.” This is his story.


[via BuzzFeed]

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Comments (151)

Older Comments
  1. 1
    Posted by Guest | February 25, 2011 at 4:29 PM

    In the video – does the guy have fangs? Seriously…

  2. 2
    Posted by DitchDiggers | February 25, 2011 at 4:31 PM

    this guy is a freaking VAMPIRE – check out those fangs!!

    I would not F*** with these dude.

  3. 3
    Posted by DitchDiggers | February 25, 2011 at 4:31 PM

    this guy is a freaking VAMPIRE – check out those fangs!!

    I would not F*** with these dude.

  4. 4
    Posted by DitchDiggers | February 25, 2011 at 4:31 PM

    this guy is a freaking VAMPIRE – check out those fangs!!

    I would not F*** with these dude.

  5. 5
    Posted by DitchDiggers | February 25, 2011 at 4:31 PM

    this guy is a freaking VAMPIRE – check out those fangs!!

    I would not F*** with these dude.

  6. 6
    Posted by Anonymous | February 25, 2011 at 4:32 PM

    Yes.

  7. 7
    Posted by Anonymous | February 25, 2011 at 4:32 PM

    Yes.

  8. 8
    Posted by trojan | February 25, 2011 at 4:34 PM

    “I’m your huckleberry.”

  9. 9
    Posted by trojan | February 25, 2011 at 4:34 PM

    “I’m your huckleberry.”

  10. 10
    Posted by Count Patrick | February 25, 2011 at 4:34 PM

    I had ten lifetimes to hatch this plan….oo hooohooo hooohooohoo hahahaaaaaaaaaaa

  11. 11
    Posted by Count Patrick | February 25, 2011 at 4:34 PM

    I had ten lifetimes to hatch this plan….oo hooohooo hooohooohoo hahahaaaaaaaaaaa

  12. 12
    Posted by Anonymous | February 25, 2011 at 4:39 PM

    that dude has watched one too many episodes of “True Blood”…dog the bounty hunter, I think we found your long lost cousin.

  13. 13
    Posted by Anonymous | February 25, 2011 at 4:39 PM

    that dude has watched one too many episodes of “True Blood”…dog the bounty hunter, I think we found your long lost cousin.

  14. 14
    Posted by Seaman Bodine | February 25, 2011 at 4:39 PM

    dweezil zappa sure does a lot of drugs

  15. 15
    Posted by Bram The Stoker | February 25, 2011 at 4:42 PM

    This is what happens when a guy gets a 400-year mortgage….

  16. 16
    Posted by Mr. Market | February 25, 2011 at 4:42 PM

    You try to mess with my crypt, you get the fang

    - Count Chocula

  17. 17
    Posted by Guest | February 25, 2011 at 4:52 PM

    Someone was having fun in the control booth with him. Did they really have to have a twilight backdrop? They could have used a nice shiny Liberty Bell or the Academy of Fine Arts?

  18. 18
    Posted by Covey 01 | February 25, 2011 at 4:53 PM

    A pint a day will keep Wells Fargo away!

  19. 19
    Posted by Covey 01 | February 25, 2011 at 4:53 PM

    A pint a day will keep Wells Fargo away!

  20. 20
    Posted by Diesel7 | February 25, 2011 at 4:57 PM

    “Im just a caveman…your 30 year ARM frightens and confuses me. “

  21. 21
    Posted by Jbocornholio | February 25, 2011 at 5:04 PM

    seriously? no comment from dealbreaker on the fangs? and the haircut?

  22. 22
    Posted by Guest | February 25, 2011 at 5:05 PM

    Someone please clarify– what are they talking about about here? Took on a savings bank or a blood bank?

  23. 23
    Posted by Anonymous | February 25, 2011 at 5:07 PM

    Anyone surprised that the house is Gothic-looking?

  24. 24
    Posted by Epstein | February 25, 2011 at 5:12 PM

    This guy definitely jacks off to Twilight.

  25. 25
    Posted by Epstein | February 25, 2011 at 5:12 PM

    This guy definitely jacks off to Twilight.

  26. 26
    Posted by ahahah | February 25, 2011 at 5:21 PM

    Wow, not one high five for the guy? We really are a bunch of haters aren’t we?

  27. 27
    Posted by Anonymous | February 25, 2011 at 5:24 PM

    I thought this guy obtain a wonderful Quick Loan Funding loan because his credit score was crap, maybe it was sold to Wells Fargo or Wachovia

  28. 28
    Posted by Anonymous | February 25, 2011 at 5:24 PM

    I thought this guy obtain a wonderful Quick Loan Funding loan because his credit score was crap, maybe it was sold to Wells Fargo or Wachovia

  29. 29
    Posted by Risk Guy | February 25, 2011 at 5:32 PM

    Where was Wells Fargo’s risk manager during all of this???

  30. 30
    Posted by Michael Lewis Mislead Me | February 25, 2011 at 5:40 PM

    Actually, its “Tudor Revival”

  31. 31
    Posted by SNL | February 25, 2011 at 5:42 PM

    Nicholas Cage called and wants his look back.

  32. 32
    Posted by William Madison | February 25, 2011 at 5:44 PM

    Definitely has a “People to Kill” list hanging on his bulletin board.

    Man am I glad I called that guy…

    -HS Bully

  33. 33
    Posted by William Madison | February 25, 2011 at 5:44 PM

    Definitely has a “People to Kill” list hanging on his bulletin board.

    Man am I glad I called that guy…

    -HS Bully

  34. 34
    Posted by William Madison | February 25, 2011 at 5:44 PM

    Definitely has a “People to Kill” list hanging on his bulletin board.

    Man am I glad I called that guy…

    -HS Bully

  35. 35
    Posted by Confused | February 25, 2011 at 5:49 PM

    One would have thought that with the success of his “Twilight” movies, he could have easily afforded the new insurance policy and not put up such a fuss?

  36. 36
    Posted by Confused | February 25, 2011 at 5:49 PM

    One would have thought that with the success of his “Twilight” movies, he could have easily afforded the new insurance policy and not put up such a fuss?

  37. 37
    Posted by Confused | February 25, 2011 at 5:49 PM

    One would have thought that with the success of his “Twilight” movies, he could have easily afforded the new insurance policy and not put up such a fuss?

  38. 38
    Posted by Vlad the Imp | February 25, 2011 at 5:52 PM

    Blood from a stone anyone?

    Thanks I’m here all week

  39. 39
    Posted by Guest | February 25, 2011 at 5:55 PM

    Honestly, he’s way more normal looking than my current co-workers.

  40. 40
    Posted by Anonymous | February 25, 2011 at 6:12 PM

    Q: What do you call a Vampire with fangs.
    A: A Poser…

  41. 41
    Posted by Guest | February 25, 2011 at 6:18 PM

    into a cup? Doubtful.

  42. 42
    Posted by SNL | February 25, 2011 at 6:28 PM

    Party on, Wayne.

  43. 43
    Posted by God | February 25, 2011 at 6:36 PM

    who wouldn’t? Kristin Stewart would be the most beautifulest investor relations girl in the whole world.

  44. 44
    Posted by Porteratty | February 25, 2011 at 6:36 PM

    I would trust this man before I would trust all the bankers in the world, stacked end on end,
    since Jesus first ran the money changer out of the temple.

  45. 45
    Posted by Gozer | February 25, 2011 at 7:42 PM

    Shenanigans. This guy was too busy getting laid to pull all of this off.

  46. 46
    Posted by Open minded | February 25, 2011 at 8:16 PM

    Everybody I’ve known who goes for that look has been a sweetheart (what can I say? I run with interesting crowds) Usually the teeth are removable (there are dentists who specialize in making them), but some are permanent crowns. Like tatoos, it just depends on your level of nerve.

    And no, I wouldn’t mess with him either. He’s probably studied martial arts.

  47. 47
    Posted by Open minded | February 25, 2011 at 8:16 PM

    Everybody I’ve known who goes for that look has been a sweetheart (what can I say? I run with interesting crowds) Usually the teeth are removable (there are dentists who specialize in making them), but some are permanent crowns. Like tatoos, it just depends on your level of nerve.

    And no, I wouldn’t mess with him either. He’s probably studied martial arts.

  48. 48
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  49. 49
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  50. 50
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  51. 51
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  52. 52
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  53. 53
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  54. 54
    Posted by Open minded | February 25, 2011 at 8:19 PM

    In the case of Wells Fargo, that would be both!

  55. 55
    Posted by Open minded | February 25, 2011 at 8:22 PM

    High damn time someone took them on. WF should be renamed WtF. My personal favorite horror story is when they repossessed a million dollar home and one of the execs turned it into his very own party pad- no he didn’t buy it. He just kept it off the market.

  56. 56
    Posted by JPM | February 25, 2011 at 8:36 PM

    A nice little bio piece on our vamp.
    http://www.youtube.com/watch?v=jNCFWgt4q0E&feature=related

  57. 57
    Posted by JPM | February 25, 2011 at 8:36 PM

    A nice little bio piece on our vamp.
    http://www.youtube.com/watch?v=jNCFWgt4q0E&feature=related

  58. 58
    Posted by JPM | February 25, 2011 at 8:36 PM

    A nice little bio piece on our vamp.
    http://www.youtube.com/watch?v=jNCFWgt4q0E&feature=related

  59. 59
    Posted by Gozer | February 25, 2011 at 8:52 PM

    Is that Vigo the Carpathian’s son?

  60. 60
    Posted by Guest | February 25, 2011 at 9:10 PM

    Yeah I see this guy and his girlfriend Elvira around town at night all the time.

  61. 61
    Posted by Guest | February 25, 2011 at 9:10 PM

    Yeah I see this guy and his girlfriend Elvira around town at night all the time.

  62. 62
    Posted by steve | February 25, 2011 at 10:15 PM

    why doesn’t this story paint the whole picture? when people sign all those documents when they get a mortgage, one of them says they are required to maintain insurance for replacement cost…..if it burned to the ground, they have to have enough coverage to rebuild it. is this guy saying he only carried enough coverage to rebuild it and w.f. says it was inadequate coverage? i can see the banks point if it would cost $1,000,000 to rebuild and his coverage is only $180,000 the guy would just walk away if it burned down and the bank would be stuck. this is incomplete reporting by bess levin.

  63. 63
    Posted by steve | February 25, 2011 at 10:15 PM

    why doesn’t this story paint the whole picture? when people sign all those documents when they get a mortgage, one of them says they are required to maintain insurance for replacement cost…..if it burned to the ground, they have to have enough coverage to rebuild it. is this guy saying he only carried enough coverage to rebuild it and w.f. says it was inadequate coverage? i can see the banks point if it would cost $1,000,000 to rebuild and his coverage is only $180,000 the guy would just walk away if it burned down and the bank would be stuck. this is incomplete reporting by bess levin.

  64. 64
    Posted by Anonymous | February 25, 2011 at 11:08 PM

    Doesn’t matter. Wells didn’t follow the letter of the law and failed to respond to his correspondence. End of story.

    Someone is paying and it ain’t Patrick Rogers.

  65. 65
    Posted by steve | February 25, 2011 at 11:28 PM

    it does matter if he in in violation of the terms of his mortgage. w.f. will also tack the amount of the insurance policy and a service charge onto the balance of the loan so he WILL pay, one way or another.

  66. 66
    Posted by Guest | February 26, 2011 at 1:11 AM

    If WF does that, Steve, that could be read by some as a thing called “Mortgage Fraud”. When you become a junior in college you’ll take some business law classes that will tell you things like that.

  67. 67
    Posted by steve | February 26, 2011 at 1:31 AM

    you are an idiot, guest. those papers one signs when one borrows hundreds of thousands of dollars say the lender has the right to protect their investment by insuring the collateral and charging it to the borrower. if you had passed a high school business class, you would know that. if lenders weren’t allowed to protect themselves, there wouldn’t be any mortgages, car loans, etc.

  68. 68
    Posted by steve | February 26, 2011 at 1:43 AM

    anyone who wants to see who is to blame for the current mortgage mess needs to go to youtube.com and search “fannie mae”, the one with about 3.7 million views.

  69. 69
    Posted by Just Trying to Help You | February 26, 2011 at 12:36 PM

    Steve: Many people borrow millions of dollars more than in your lame example. Your “contract” that you refer to is only as good as a judge will allow it to be. Lenders can only protect themselves with what the law allows as reasonable. A $1 million policy on a $180,000 house is “unreasonable” and that is why there are judges and juries. That is called “life”. One day you’ll regret that you” wrote before you thought” and bet that then you might be a fairly good businessperson.

  70. 70
    Posted by Andrewwwww | February 26, 2011 at 3:07 PM

    I know Patrick. He is a nightclub party promoter, and has been running Philadelphia’s weekly Goth party for 20 years. he’s very successful, very businesslike, doesn’t do drugs and is very popular. I’m sure he has ten lawyers. The teeth are real and very pointy. That bank totally messed with the wrong vampire.

  71. 71
    Posted by Fucus | February 26, 2011 at 5:29 PM

    So what public high school are you posting from?

  72. 72
    Posted by steve | February 26, 2011 at 6:13 PM

    to: just trying to help you……you are an idiot too with your incomprehensible comment. you appear to be incapable of helping anyone.

  73. 73
    Posted by Dsadsa | February 26, 2011 at 7:02 PM

    why would a vampire ever need an epitaph? wouldn’t it just be a welcome mat

  74. 74
    Posted by Tiffanater6905 | February 26, 2011 at 9:19 PM

    he is very well spokin with his word and knows wat the hell he doing, that is really grimmy that they would try to do that but he kicked some ass GO philly

  75. 75
    Posted by Tiffanater6905 | February 26, 2011 at 9:20 PM

    no it dosnt it is a victorin house

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