Wells Fargo Credit Defense

This bank is a joke! I, like everyone else, have a credit card with Wells Fargo and have these fees for credit defense, which I never signed up for. So, I started reading what this is supposed to do, and guess what? I.have 3 conditions, for which they are supposed to pay for me. I am on temporary disability. I recently relocated and incurred moving expenses, and I also incurred automobile expenses. According to their policy, I am supposed to get payments for this. Do you think I did? Of course not! I am furious. What is the point of this scam program?

It's my opinion that their top executives can be in serious danger and physical harm to them and their families. It's not a threat, just an amendment right to speak my opinion! So why don't we find a lawyer and file a class action? Or go to the media. This is just plain wrong. I also almost forgot. Wells Fargo is implementing a new policy next month. If we, the consumers, don't maintain a daily $!500.00 balance and use your debit card more than ten times a month, your account will be charged from $7 to $23. This is just another way for them to attach an overdraft fee for some of us, who don't check or stay on top of our accounts daily. Great job, Wells Fargo. We are in a recession, and you.are making issues on top of issues for us. I'm closing.accounts today.

This service, Credit Card Defense, was added to my son's credit card without him knowing it. He had just turned 18 and wasn't sure how to review his statement. I caught it and called to have the service removed. It was removed and a refund extended. I thought that took care of it until two years later, I was going over my son's statement again and there it was. He'd been charge for it all along. We called the 800# and asked why this was happening. Granted, my son should have been looking at his statements, but like most of our youth, he was reviewing the mobile version of his accounts and simply making payments through his account transfers. He was assuming the fees over his actual charges were interest.

This just goes to show that you should always review your statements and never trust your bank to do what they say they will do. I have had several other issues with Wells Fargo and having been a happy former employee, I am saddened that I'm so dissatisfied. Wells has terrible back-office systems and one must continually follow-up and return to the bank to get any issue resolved. As one example, I called the back office four times and visited the local branch two times over four months to get a debit card transaction resolved. Unacceptable!

Additionally, I no longer bother to leave a message for an employee at the branch, even when dealing with a manager or supervisor. I have never been called back because they apparently don't actually give each other the messages. Wells Fargo is a good bank in that they do the right thing and the employees are very friendly. It's just that they're unreliable in the short run and you have your homework cut out for you if you really want to get anything accomplished or any issues resolved.

I have banked here for many years. I have made several complaints about them holding my checks an extra day only to have them return to the practice of holding it again a few months later. I have also complained about them sending me ads and signing me up for promotional programs. It's annoying and has cost me money I didn't have, they don't seem to hear the word no. This will no longer be my bank. I want a bank that works for me not against me.

I had just noticed a fee of approximately $21-$23 being charged to my Visa credit card for the Credit Defense Program that I never signed up for. I called them and they sent me a letter saying unable to help, but they would cancel it for me. So far I just contacted the BBB for help and waiting for a reply. I work for a bank and they did this to thousands and thousands of people who could not go to the media because they would get fired. They owe me over $700.00. I will continue to try and get my money back, maybe see if I can get the media involved. Someone has to help the poor people getting ripped off. I know this happens to thousands of people.

The first week of December I received a telemarketer call on behalf of Wells Fargo selling a subscription to their credit defense service (for my Wells Fargo VISA credit card). I told the caller that I was not interested. Apparently the caller enrolled my account in the program, even though I declined, because I received membership information a few days later (on 12/10). I immediately called the contact # listed on the documentation (800-564-8280) to cancel the enrollment that I had previously declined. I was told that the enrollment would be canceled, and I would not be charged anything. On 12/17 (7 days later), my Wells Fargo VISA credit card was charged $77.09 by Credit Defense. I again called the credit defense # to cancel and to have the charge that I did not authorize reversed. I was told that the charge would be reversed.

I also reported the unauthorized and fraudulent charge to Wells Fargo directly (800-642-4720), however they refused to reverse or investigate the charge. In the meantime, the unauthorized charge by credit defense has still not been reversed. They constantly state that it may take up to 2 months to process; it has now been over 2 months! I currently have the matter escalated within Credit Defense (as of 2/20) but have not received any type of response. I have also reported this fraudulent behavior to the BBB, to the Comptroller of the Currency and Administrator of National Banks and to the Federal Trade Commission.

Unauthorized charge of $77.09 on my credit card. However, I also worry that if it was that easy for Wells Fargo credit defense to fraudulently charge me for something that I did not order -how safe can my information and accounts be? Also, both Wells Fargo and Wells Fargo Credit Defense have so far refused to reverse the unauthorized charge. What happens the next time this happens, and the amount is much more than $77.09?