Wells Fargo

I have an auto loan with Wells Fargo and have been an upstanding customer for over a year. I am so dissatisfied at the level of treatment by the company's representatives including management that I have decided to move my loan to another bank. They are inept, uneducated, rude and poorly trained and skilled in the area of customer service. There is no dedication to its account holders and you are treated as such. I have yet to speak with one representative that has had a pleasant disposition. I absolutely advise 100% that anyone looking to invest money with this lending institution or take out a loan or otherwise, continue to take the time to research other banks that are capable of dealing with people.

This is not only the worst bank I have ever dealt with. They are the most obnoxious and possibly have the rudest employees. If this is the way Wells Fargo does business and can encourage the employment of such poorly trained and incompetent employees, then that alone is reason enough to raise a red flag in these bank's policies, protocols and procedures. I am in upper management and if anyone of my staff ever spoke to customers with such disdain, it would be immediate grounds for dismissal. Shame on you, Wells Fargo for not only being the worst bank but for employing and retaining the worst staff possible.

I wrote a check for $700. According to the person I wrote it to (and I have evidence), it was deposited into that person's account on May 1st even though my account does not reflect any check going through for $700 on May 1st. On May 13th, the same check went through again, was denied. I was charged a $35 overdraft fee. Then on the 18th, the same check went through again! This time, they took money out of my account even though I didn't have enough funds to cover it. I was then overdrawn over $200 plus a $35 fee. Since I was not expecting this check to go through on the 18th, I had several other bills I paid all rejected. As of today, May 23rd, I am over $430 in the hole!

I have called Wells Fargo, and gone into the bank. I get a different answer from everyone. I have had problems with Wells Fargo for months. Nothing makes sense; they continually put payments through and then a few days later, overdraft fees are applied. I get the runaround telling me it's how their system works. It takes a few days to process payments, blah, blah, blah. It's very clear to me they are making a killing on overdraft fees. I do not make very much money and now have no money for four weeks because of the $700 check.

I wrote a check to a contractor for $65.00, which he took to my bank yesterday to cash. The money came out and my account was in the positive. Today, I saw that they pushed to a higher transaction items from last night before the contractor's check to bounce the lower item, which caused to bounce smaller items. I have a problem with this and have complained before as what I see online banking one day is totally different another day. Wells have given me back $900.00 in fees once before. This seems ridiculous. Why not just charge in order of the transactions?

On 4/27/2012, I deposited a check amount of $132 through a Wells Fargo ATM, as I usually do with all my paychecks. Just as usual, $100 went through immediately; and then the next day, the $32 leftover went through as well, which I took as the check was being cleared and ready to spend. Over the next few days, I made a few purchases using the money from the paycheck. Since I am a college student, I run from paycheck to paycheck. So the only money I had in my account was the $132 I deposited.

On 5/1/2012, I checked my bank account before sitting down for dinner with a few friends to find out that my bank account was in a negative state and my check had bounced. From then on, I did not spend any more money from my account and made a call to customer service. The person I had spoken to had explained to me that my check was returned, because my check had not been endorsed. So the next day, I went in asap to endorse the check and redeposit it.

A few days following that, my account just kept going deeper into the negatives, because the transactions I had made before my check bounced were all pending and had gone through. One transaction was through a single PayPal charge, but Wells Fargo charged me three different overdraft fees of $35 each for each eBay item I had bought (Neither of the items were even over $5.). Then I was charged another overdraft fee for a pending Wal-Mart transaction of less than $10. Altogether, I spent probably less than $30, but I was being charged $140 of overdrafts.

The following day, I called Wells Fargo, hoping to take out my overdraft fees. The lady I had spoken to on the phone had informed me that I only had three overdraft fees. After arguing for almost 30 minutes about taking them off, it was finally agreed that two charges would be dropped and I would be paying just one charge. At this point, I was too angry to deal with someone over the phone who was not taking my problem seriously at all.This woman showed an obvious disinterest and completely ignored the idea of good customer service.

A few days later after constantly checking my bank account, I still had a huge negative balance that I desperately needed to resolve; and my paycheck was still nowhere to be found. I called customer service once again to once again speak to another **. This time, I got furious, because after taking off two overdraft fees, I still had another two that I needed to pay. No matter how many times I explained my situation to this guy, he would repeat the same thing to me that it was my fault and not Wells Fargo. Well excuse me if I, in any way, could make even a single dent on a huge corporation with my account overdrawn by barely $30. I ended up furiously hanging up the phone, because I could no longer deal with such incompetent service.

On 5/11/2012, I went to my Wells Fargo branch to deal with this situation in person. I had paid off the overdraft fees and was now just trying to find out where my paycheck had disappeared to. Everyone I talked to kept telling me that it was in the mail, but there's no way that it's taken almost a month to get to me. As far as I know, the Wells Fargo office is located in America, and it should have taken 10 business days at most to get to my house.

On 5/16/2012, hopefully for the last time, I called customer service, inquiring about my check that was supposedly in the mail on its way to being delivered to my house. The lady I was speaking to on the phone seemed very polite at first, and I was in no mood to argue with yet another rep. She told me that it had only been 10 days, which obviously, I have been dealing with this situation for much longer than that. I told her that I wanted to cancel my debit card since I plan to discontinue services with Wells Fargo. Now this rep seemed to take it to her personal offense that I was cancelling my account by saying "Now all this is not the fault of Wells Fargo. You don't really have a reason to close your account."

At this point, I was on my last nerve and had an intense urge to scream my head off over the phone, but I just explained to her that my business with this bank has "no effect on your employment with Wells Fargo or your paycheck, so this really has nothing to do with you." Other than the terrible customer service I have received over the last month of dealing with Wells Fargo, I am absolutely unsatisfied with this bank and would not recommend it to anyone.

They will definitely be hearing from me again if I do not receive my check by tomorrow.

I went there to get a return of service notarized, Maricela ** was apparently the only notary there at the time. I found her to be incredibly rude and not knowledgeable when it came to notarizing return of services. It took her sixteen minutes to get to me in the first place and then was rude and totally unhelpful. If you are unhappy with working at Wells Fargo and the customers bother you so much, why do you work there? I am sure there is someone out there that would be grateful to have your position and do it with a smile.

There are good banks, and there are bad banks; and then there is Wells Fargo. I opened an account a scant month ago, and I've had nothing but problems since I did. My first payroll check posted 2 days late. It wasn't a big deal, but it was somewhat annoying. The real annoyance, however, came when I attempted to deposit money into my account. I'd opened the account to essentially deposit the occasional paper check into the banking system, with the intent of transferring the said money into my ING account. Alas, Wells Fargo would not deposit my tax refund, claiming that I needed the second signatory on the account to do so.

So, I closed my account. Or I tried to close my account. Actually closing it was an exercise in frustration. I tried closing it on the phone. Nope, not allowed with money in the account. So I went back into a branch, withdrew cash, and called back. Then I was told that I need to wait until 8am the next day to close the account. So I called back at 10am the next day, and guess what? I had to wait another day to close it. Really, Wells Fargo? Really? This is what we get from banks that are "too big to fail."

I opened an account with Wells Fargo. On Saturday, I deposited a paycheck from a major employer in Seattle that was written on a Wells Fargo account. This was done with a teller and not through an ATM machine. Over the weekend, I tried to buy gas and groceries, but the account showed that my paycheck funds were being held. I just called the bank and they told me that because I deposited it on Saturday, that it would not be processed until tonight (Monday) and funds should be available tomorrow. I find this outrageous given that the same bank will just cash the check if I ask for all the money, but when I deposited it, they didn't honor their own check for almost 72 hours!

The manager of the branch told me they had told me earlier that checks take a while to go through, never did I imagine that he meant a check written on his own bank. Besides, several tellers on Saturday, when I asked, said that I would have ATM access to my money right away, no problem. And in the past, I would just go to WF and cash the full check with no problem and if I had just done that instead of depositing the check, I would have been fine! I know of no other bank or credit union with such audacious banking practices. In fact, in the past, Bank of America cleared my paychecks written on Wells Fargo account in less than 24 hours.

I found a "cash deposit fee" on my small business checking account. I called my local bank and was told all cash deposits over $5,000 per month per account were subjected to this fee. This is insane! Why would a bank charge you to deposit money into their bank? I have sent emails to the senate banking committee chairman as well as the Wells Fargo CEO. No response to date. Beware!

Because of some automatic payments that were being taken out long after they should have, I was told by the Wells Fargo representative that they have no control over ACH transactions and the best thing to do was to open a new account and close the old one. On March 29, I opened a new account but I was unable to close the old one due to a pending transaction from the phone company. On April 2, that transaction was not anywhere in my online statement - not pending, not paid. I assumed because there was not enough money in that account, it was returned to AT&T. I then made two transfers to get the remaining money out of that account and to close it, and borrowed money to pay the AT&T bill.

On April 3, according to my online statement, that AT&T payment had been made, leaving me overdrawn. On top of that overdraft fee, there were now two fees for the transfers I had made based on the information online. On April 18, as I sat in Critical Care waiting room waiting for my son to get out of brain surgery, I received a call from the Wells Fargo overdraft department. She asked when I would be paying that overdraft amount on the old account and I said that I got paid on the 20th, so it would be $100 after that date. She said that was fine - no mention of anything else.

A few days later, checking my account I saw that a transfer was made from my Way-to-Save to the overdrawn account. I thought I had seen it as $45, and then I transferred another $65 to make up for the amount that I had said I would pay. Still in critical care with my son, on the 29th, I left for a bit to get some lunch. I attempted to get gas and my card was declined. I checked online and saw that on April 27, Wells Fargo had transferred $531.56 from the new account to cover the overdraft in the old account. I had absolutely no warning about this - I had used the debit card the same day as the transfer, which doesn't show up until after midnight. I had written checks. Now I was looking at not only not having money as I sit in a hospital with my son still in critical care, but the overdraft fees coming in for the purchases I had made thinking I had money. With a payday coming up, a good portion of my check will now be eaten up with these fees and I'm not sure we will be able to pay the rent.

I called Wells Fargo on April 29, obviously upset and was told basically, sorry that's too bad - it's stated in the deposit agreement that we could do that. I explained that I had spoken to someone on the 18th about a payment and was told it was fine. According to the representative, this is what happens when you don't keep your promise. When I had thought the Way-toSave transfer was $45, and then transferred $65 to more than make up the $100 I had said, I had read it wrong and there was only a $25 transfer from the Way-to-Save. So really, I only paid $90 rather than the $100.

I tried, tearfully I'm afraid, to explain my situation, my son in the hospital, my money being gone, etc. I was given no help, no sympathy and was told it's in the agreement. If I have a problem I can write and mail a letter. I asked to speak to her supervisor or someone else. She told me that anyone else would tell me the same thing and did not transfer me. I asked what the hell she expected me to do now that they had stolen my money, and she told me she would hang up if I continued to be abusive. I do regret that, but I was calling from an intensive care waiting room, where my son has been for almost 2 weeks, and I had basically had my money stolen from me by my bank.

I called back the next day, and that representative did express a little empathy, but told me the same thing - it's in the agreement, write a letter. When I expressed my frustration that no one could help me, I've been a customer for years, and was she telling me that it was all the computer and there was no way a human could help me, she said that she could reverse it, but then she would receive an email that it was not a bank error and she should not have reversed it and she would get in trouble for that. I could write a letter and maybe they would reverse it and I would get a refund in that case, but in the meantime, yes I was going to be hit with overdraft fees for money I had spent not knowing they had wiped out my account.

I have emailed the rep who opened the newest account, as well as the rep who opened my other accounts. I have had no response from anyone, and it is hard for me to make a phone call from the critical care unit. Not to mention I'm under enough stress, without dealing with this and getting on the phone and basically being told I don't count for anything to them, other than the ridiculous amounts they make off overdraft fees because their online system doesn't represent that day accurately.

Today, I have several transactions that have posted, and 6 overdraft charges. I get paid Friday, but several hundred of that will be gone due to these fees. My son is still in the hospital and I am not at work. Is there any other recourse?

I came in to the bank to make a mortgage payment. The teller warned me the system might be down, but she would check. It was down - allegedly. She sent me to sit in a chair and wait for a banker. The other part of the con is "a concierge" takes your paperwork so you can't leave easily. I know the routine. I've been in this bank before. You sit and wait. Finally, a banker sees you. Then they try to sell you a product. This is not good business practice. In fact, it's downright sleazy. It actually colors the public's perception of the banking industry in general - not just Wells Fargo.

On 4/16/2012, I accidentally paid my mortgage twice to Bank of America. I overpaid them $3,800.00 using my online bill pay service with another bank (Wells Fargo). I caught the error within 24 hours, so on 4/17; I called BofA and told them I needed it reversed. They said they would reverse it within 24 hours.

Day 2, on 4/18, I called again. No money in my account. I was on the phone for 1 hour with customer service for BofA. I said I needed a supervisor. Travis got on the phone and said he would reverse it through Western Union, as that how it came to them. On day 3, 4/19, I called back and I was still out of $3,800.00. This time, customer service said that it would definitely go out today and be back in my bank on Friday (4/20). Day 4, 4/20, still no money, I called this time and another customer service lady said that a mistake had been made, that they would get it back to me, but couldn't be done until the following Monday.

On day 5, 4/21, Saturday, still no money. Day 6, 4/22, Sunday, I checked my account, still no money. On day 7, 4/23, Monday, I waited until 2pm with no money, so I called again. This time customer service says they see it leaving and to check my bank tomorrow. Day 8, 4/24, Tuesday, I checked my bank, still no money. I called back and stayed on the phone for another 45 minutes. I explained the entire situation over again. The customer service department promised that they see it going out and my money will definitely be there tomorrow. They said that the service rep before her misspoke and that it normally takes 48 hours.

Day 9, 4/25, no money. I called back and this time, a 35 minute conversation. Customer service said that my money left on the 24th, but they don't know where. Day 10, 4/26, still no money in my account, I called back and requested for a supervisor. I was very angry. The supervisor stated that they saw it leaving and it usually takes 48 hours. It should be there for sure tonight.

Day 11, 4/27, I call Bank of America back. It was a 15 minute conversation. I was finally transferred over to their payment processing team. Finally, I reached someone who said something different. He was very helpful. He stated that I needed an MTC number. He called Western Union for me. They stated that they needed the MTC (money transfer control number) to look up the reversal. We were on hold with Wells Fargo for another 28 minutes, until they got the MTC number. That is where I am currently at now, and supposedly Western Union has the money, that Wells Fargo uses. They say now I might have to go to a Western Union to try and get my funds, all because I made an online bill payment to pay the same day through Wells Fargo.

I made an $8 plus change purchase blocks away from my local bank and was denied. I went to the bank with no one knowing why. After over 30 minutes of going from teller to rep and they not knowing why, calls were placed, I was told that they thought the purchase was out of my norm, so they blocked it.

I have no norm. Its common sense, if a card is stolen, for an $8.00 purchase? Husband used his card: $45.00 at gas station and $164.00 at Walmart for food and necessities. Three calls shown when we got home and one early this morning which when answered said from Wells Fargo Fraud Department. Since I do not, nor should anyone reply to calls, I called directly to bank and questioned. A block had been put on it and was told that it was probably the purchase at Walmart. We would have been stopped from anymore purchases which could include a vehicle problem, had stopped at restaurant but paid cash. But had we relied on our card and do not own a cell phone, we would have created problems. These purchases are not extreme, unusual and within area. I traveled to another state, over 1,000 miles away, for the first time in 10 plus years, used the card numerous times with no problem. Own area, problems?

I'm done with this bank! I have been a loyal customer for 6 years and my story is the true definition of horror! First off, my account was cleaned out in December 2011 by someone who managed to steal my check book. After filing numerous complaints and affidavits, and having spent the only money I had faxing the signed affidavit back to them, they denied my request to refund me my money claiming I was negligent. As a result, I have not been able to pay rent for months now and face eviction! It gets worse! As a last resort, I begged a family member to wire transfer me some money under the assumption that my account was still open for I never received notice that it would be closed.

After the wire transfer was sent, I called Wells Fargo customer service to see how long the transfer would take and they rudely informed me that I would not be receiving the transfer for they had closed my account. This was done with absolutely no prior warning either by mail, email or phone. Furthermore, to open a new account so as to receive the transfer, I was told I must first pay them for an overdraft incurred when the money was first stolen! Despite the rude agent, I kindly requested if they could open an account with the negative balance and once the transfer was sent again, the overdraft would be taken care of.

The agent rudely said "no way" this was possible and I would first have to pay the overdraft. Keep in mind that all my money and savings had been stolen! I have never been more furious in my entire life! Not only do I now face eviction, I have had no money for months, thus no food! I have had to rely on food banks for meals! I am done being a Wells Fargo customer and have advised all my family members (20 in all) who have Wells Fargo accounts to close their accounts and move to other banks. My advice to anyone reading this, do not do business with Wells Fargo! You could lose everything!

I was reviewing my online bank statement and I decided to call up to question some things I had in mind concerning setting up online Bill Pay. while I was explaining that to the representative, she said "I see you are a preferred customer for a debt consolidation or a home equity loan". I told her, "I would love to consolidate my credit cards, but I have a lower income due to Social Security. I am disabled". She said, "no problem, we can still help you". So she transferred me to a "loan officer" who she said will understand my concern. She will explain it to her before she puts her on the line with me. So on comes this loan officer. I told her, "do not proceed if you think I am going to be turned down for my income to debt ratio or any other reason. I do not want my credit score tanking with the inquiry!" She said, "That shouldn't be a problem."

I said I applied a year ago with Wells Fargo and they said no because of my income. I don't want to go through it again. My income hasn't changed. She proceeded with "that was last year, things have changed here", so I applied. I also added my companion, he has a higher income so I thought "well this will be better, his credit is paid on time". So I told her I have been a customer of the bank since 1987! I have a car loan with Wells Fargo for $17,000 that I pay on time and a mortgage on time, etc. So she said, "that is great, thank you for being such a good customer! We will be finished in a minute and I can tell you what the decision is. But first, let's go through the payments and what it will be on a certain amount". I said okay, excited to finally be able to pay off the debts sooner.

I am adding the approximate amounts I owe (only approximately $3000). I told her, "let's go ahead". She said, "Would you be interested in any other loan products before we continue?" I said, "I am preferred according to you right?" She said, "Yes, that means your information with the bank is a preferred customer for a loan." So she ran it all through and came back and said "I am sorry, you have been declined! You will get a detailed letter explaining why." I said, "Why did you again, like last year, tell me I am preferred based on my accounts to apply for a loan?" She couldn't answer me.

Wells Fargo needs to get it together. They are dragging people into a process, in a vulnerable time of their lives, maybe just for the numbers. They know people are going to be turned down, they could care less. The loyalty of being a customer with them since 1987 with absolutely no overdrafts or any bank account problems in all those years gets you nowhere. Perhaps I need to take the loan and the account out of Wells Fargo, it is time. Enough is enough.

My son is Aaron ** (ADA). His grandmother sent him a check from Palmdale CA for $10.00. He went to 6121 W. Lake Mead Blvd, Suite 130 Las Vegas NV, 89108 to cash it. They asked for two forms of ID; he gave her his Nevada ID and RTC ADA Paratransit ID. She said that was not acceptable. I said, "Why? He has cashed a check here before." She said, "Well, that's not acceptable." I called customer service and they did not do anything, but called the bank on a conference call. So I went to another Wells Fargo bank on 5410 West Charleston Blvd. Rodney cashed the check with just his Nevada ID. They need some feedback on how to cash a check with a proper ID.

Cashing payroll check - My company, based in Minnesota, uses Wells Fargo so I went to the branch on Long Beach Road in Oceanside, New York to cash it. The manager refused because he said a social security card was not a form of identification. He was extremely rude and refused to answer any of my questions. He just walked away from me. Since when is a license and social security card not valid forms of ID? Why would I want to open an account if they have poor customer service?

I went to the Wells Fargo Branch at 717 w Olympic blvd. in Los Angeles, only to cash a $500 check. The teller asked me for two forms of ID. I just happened to forget my CA ID and just so happened had this two forms of ID with me. I showed her my Bank of America credit card with my picture, and my current and valid out of the country passport, a Venezuelan passport. The teller, ** refused to accept my passport as a form of ID because it didn't show a legal entry to the US. I think this was discrimination. She was so ignorant I asked to speak to a supervisor and she said she was the supervisor at the time and she wasn't going to cash my check and was even laughing.

How can they put an ignorant person in charge? I'm a US citizen and because I was born in Venezuela, I have double citizenship; therefore, my Venezuelan passport doesn't need to get stamped when entering the US. But Wells Fargo staff is so ignorant, and with no education. I showed her my passport as a form of ID, not to show her my legal status in the US. She was ridiculous, incompetent, and didn't use reason, and this is the person they qualified to be in charge of the branch. Shameful.

My bank refuses to honor my payroll checks and will not cash the checks for me. I have had account since 2001! The branch manager was very rude to me and told me that, "Wells Fargo is not a check cashing service!" Then what are they? I guess I need an actual bank to do these things!

I made payments on Wells Fargo website. In 2006 and 2007, there were 3 payments that were not credited. I have sent to Wells Fargo copies of my bank statement showing the transaction from my bank to Wells Fargo Auto Finance. I have tried for 5 years to resolve the issue. Wells Fargo tells me different stories. I have been told that these payments were NSF checks. It was not a check, it was online. I have been told the funds were never released by my bank and I have been told that the funds were returned to me, in some cases, 30+ days later. I have been threatened, called names, called at all hours. Unbelievable! I will ride a bike before I ever finance an auto or anything else with Wells Fargo.

Let me start by saying it is my landlord that has Wells Fargo, I have Bank of America. Friday afternoon, my landlord called to say that my rent check had bounced due to insufficient funds and I asked her to double check because it had cleared my account 3 days prior and I still had plenty of money in my checking account. She called Wells Fargo back and they assured her that yes, my check had bounced so I needed to get her cash (rent plus fees) by Monday or she would start the eviction process. I printed out the transaction details of the cleared check and a screenshot of my balance before and after it cleared, then went into my bank at 9 on Saturday morning where they again assured me the check had gone through.

Then I accompanied my landlord to Wells Fargo with my documentation. They looked at my stuff, agreed that it was strange that it appeared as though it had gone through and that I seemed to have enough money but again, told us that my check had bounced for insufficient funds. I had them speak with my BoA customer service rep and Wells Fargo suggested we wait over the weekend and see if the money bounces back into my account. Fine. I called them Monday morning again asking them if they were 100% positive that it was my check. They said yes and that it still had not gone into her account. I called yesterday, same result.

Yesterday, late afternoon, they called my landlord to state that they made an error. It seems it was not my check that had bounced. It was another tenant whose check was for the same amount. Such sloppy banking. It's not a big deal to them, but I spent 5 days stressed out that I had lost $1700 (well, it felt like $3500 since I had to give her $1800 in cash after my check had cleared and Wells Fargo "couldn't find it"). That's a big deal to me. I know that other posters have more serious issues, but the stress made me ill and I lost a job because I've lost my voice.

Wells Fargo bogus late fees: I financed a carpet from a national retailer who utilizes Well Fargo. I opted for the 12 months no interest option. I set up online payments via my bank, Chase Bank. The delivery method for Wells Fargo Financial was stated as a one day transaction: "The delivery method is how your payee accepts payments from us, and the way your payment will be processed; either by electronic transfer or by paper check."

Several months later, I noticed that the balance had not gone down as much as it should have. I looked further into this and discovered by had been charging me late fees for 7 months, $35 each time! When I called to inquire about it, they stated that the payment can take up to 5 days to process. When I explained that I was paying them based on their stated delivery method with Chase, they stated Chase would have to send documentation stating this. I followed up with Chase, who did indeed send a letter documenting when each month's payment was sent to Wells Fargo, and subsequently received. After a few weeks, I received a letter from Wells Fargo stating that their fees were correct.

This is a very deceptive business practice. It is not clearly stated on their invoice. It's hidden on back of statement, in fine print in the middle of a paragraph, and not clearly stated, nor are they communicating this to other financial institutions. The delivery method time frame should correctly reflect their processing time so that consumers aren't hit with bogus late fees! So, now I'm out $200. I was so upset. I paid off my balance today, and cancelled the account altogether. I will never do business with Wells Fargo again. If I find the need to finance another project, I will move heaven and earth to come up with the funds if Wells Fargo does the financing for the retailer. Beware of Wells Fargo! When I googled "Wells Fargo late fees," I found I'm one of many to be duped by this deception.

My truck is financed through Wells Fargo Auto Finance. Yes, I got a couple of months late, but started up an electronic transfer from my checking account to the account at Wells Fargo Auto Finance. However, I have not been credited with these payments that have been made. My bank faxed to Nancy the payment that was made as verification and the payment has not been rejected. Neither has the second payment. According to my understanding, their accepting the payment means that they agree to the terms. I'm sending them approximately $60 more a month than what my stated payment is to help with the back payments. I live on a fixed income and cannot afford anymore money than what I am already sending them.

Also, I received a message last night from a friend of mine that they have contacted him concerning me. I did not know this individual when the original contract was signed with Wells Fargo. So now they are somehow, some way, finding out telephone numbers for my friends who know nothing about my personal issues and asking them how they get in touch with me. Of course, these people are not telling them anything, but I am in such shock over this situation I don't know what else to do.

Also, I have spent quite a bit of time in doctor's offices and in the hospital over the stress that these people are causing me. They have threatened me, they have sent people to my house who have threatened me, and I cannot, physically or emotionally, handle much more. I do hope that you can help me with this situation. The State of Tennessee has sent out letters to locations in Iowa and in Houston, Texas - neither of which are the addresses on the statements that they send to me. All of the addresses on my statement state Phoenix, Arizona and the number showing up on my caller ID and being left in voice mail messages (up to an average of 9 per day) are all 605 area codes.

Release of Insurance Funds for Property Damage - My home sustained property damage from a storm. In February, my insurance company sent a check addressed to me, my husband, and Wells Fargo. I sent the check to Wells Fargo with all the appropriate documentation and waited for them to sign off on the check to pay the contractors. Even though, I sent Wells Fargo all of the documentation, they continue to request the same documentation over and over again.

I have documented at least 4 calls and 3 faxes of the same documents to their Property Loss Department. I have 3 saved voicemail messages from Wells Fargo stating that they have received my documents. I have continued to call to request release of the funds with no success. I would like to have Wells Fargo send me the entire amount of the check that was addressed to me and my husband in February. Thank you in advance for your help.

I was deployed in the military when Wells Fargo defaulted my loan that should have been on deferment. I found out that it went to collection when I found out that the company that took over my loan has already taken it from my taxes. Wells Fargo agreed that this was an error on their part and removed the negative remark from their system. Here is the problem. They still reported to ECMC that the loan was bad and that they collected on. Therefore, there is a big mark on my credit. Wells Fargo refused to contact ECMC to work with them to correct this problem. ECMC cannot remove this false info until Wells Fargo "buy back the loan".

Wells Fargo seems to care less, because they got their money. What about the loans I can't get or the higher rates I have to pay? They have damaged my credit, robbed me, and still costing me money that I can't get back. I have been fighting this for sometime. I'm not going to wait 7-10 years for it to fall off my credit for me to have credit. To add, I have a high interest loan for a vehicle that I needed and I had no other way with us, two working parents, of 3 kids to get where we have to. I had to pay for it, because Wells Fargo screwed me and still screwing me after "fixing it". So, yes, I am filing complaints on this company.

I opened an account with Raymour & Flanigan, not realizing the account would be held with Wells Fargo. Whatever, I was making payments on time. In November, I was 3 days late on a $35 payment of my husband's. They immediately called me about the late fee or so I thought. They told me if I paid the $12, I would be up to date, so I did that.

Then, the next month, the same thing happened, even though I paid on time. They said I needed to pay $19 to bring my account up to date. Fine, I paid it. Then, it happened again in January. I was pissed at this point. I asked them what my normal payment was supposed to be. They couldn't give me that information. They stated to review my statement but still wanted me to pay. I said no and I would check my statement. The statement indicates a past due amount then a late fee for the past due amount of $12 and late fee being $35. I was told my payment in the beginning was $35 a month. **. This was going on with my payment as well.

Last month, I looked at my statement and paid the past due amount immediately and took that off the minimum payment due, thinking it was included, but I guess not. I schedule payments on Monday for this month's payment and the past due amount. I received another call today about payments. I told him I scheduled them on Monday and he asked when I scheduled them for. He looked it up and said yes, I see that you have so I asked him why you are calling me then. He stated that I have to tell them that and I said why don't you check before calling me? He said he couldn't.

They were calling my work 3 times a day and left no message for $12. I know I will never deal with crappy company ever again. I am going to take out a low interest rate loan to get rid of them. I have owed people more money then I owe Wells Fargo and they do not call unless I am over a month late. Ridiculous company!

Opening Safe Deposit Box of a deceased person: I was the in-home caregiver and friend of Mr. Robert ** who passed January 3 of this year (2012); I was his P.O.A. when he was living and beneficiary and executor of the will after his passing. Because of what little possessions Mr. Robert had, he left them to me, and from what I've read on the internet, I have yet to probate the will.

Having taken care of everything else, I remembered, and from the notes he left, I was to go to the bank and remove what was in Safety Deposit Box **. I went with will in hand and any other paperwork I thought the bank might need. Well, to my shock and surprise, the bank manager would not do anything because the will had not been probated. It was my understanding that all I needed was the death certificate and the will, which I had. So, my question is, was the bank manager right? Do I have to have the will probated before I can have access to the safety deposit box? It seems to me that's none of his business. All I thought he needed (per Mr. Robert) was the death certificate. Can someone answer this for me please?

Charge off on unsolicited account: My father opened an account 20 years ago with a bank that has changes ownership several times, until finally making the last change from Wachovia to Wells Fargo. My father listed me as joint secondary, as I just graduated high school. We learned recently, that whichever bank associate that opened the account, also opened up a $1,000 line of credit that had a service charge associated with it.

We had no idea this line of credit existed, until we received a call asking us to pay $400 plus to satisfy the account or they would report it to the credit agencies. Not having knowledge of the account, neither of us paid a thing. We are also aware that the statute has run and it legally could not be reported to the credit agency. Well, they did report it to both my father's credit and mine. It appears the bank posted a $2 payment to the account to make it active, so they could report it as a charge off as of March 2012. What can be done to get this removed from my credit report and what laws has the bank broken?

I made an arrangement to pay my late car payment on the 22nd of March. I could not make the payment until the 28th, which I did because I wanted to make sure the money was in the account. On the 28th, I received a call from Sharon and I issued her the receipt number and branch number and made arrangements to make March's payment and April's payment on the 7th and 27th, respectively. On the 29th, I received another call at 8:55 PM telling me that they had not received the payment and that I better hope it posts on the 30th or they would repossess the car. I again gave them the receipt number and asked to speak to a supervisor. Deborah then told me that I would have to make another payment on the 30th and not on the 7th as previously arranged or they would repossess the car.

This second payment was for March 18's payment and is only 15 days late. She became extremely agitated and yelled that I had been late on every payment and this was going to stop. She threatened to reject the payment I made on the 28th and repossess the car. I told her that I had been out of work the previous year and my income had dropped from $350K to $30K; I had brain surgery in February and I suffer from Parkinson's and was doing my best to get caught up. She stated that she did not care to hear that and that the calls would keep coming until I pay up to date. She added that if I did not want to have the car repossessed, I cannot even be one day late. This puts enormous pressure on my health. I immediately was ill, vomiting and shaking from this horrible exchange.

First thing, I am very dissatisfied with Wells Fargo—I have been for a long time. The latest little bit of silliness described below is the straw that causes me to severe ties with this hideous company. I have had a credit card with Wells Fargo for nearly ten years. Over those years, I have used the card for well over $10,000 worth of purchases. I never missed a payment. The current balance on the card is $0. Out of the blue, I receive a call from Wells Fargo asking me to telephone their fraud prevention department where they assure me a friendly Wells Fargo customer service representative will be happy to assist me to resolve the issue which caused my account to be frozen.

As requested, I immediately call the friendly customer service representative at Wells Fargo fraud prevention. After establishing my identity, the friendly customer service representative simply says, "I am sorry, I cannot help you." Of course, I ask for an explanation as to what happened and why my account was temporarily frozen pending my call to Wells Fargo's fraud prevention department. Once again the customer service representative says, "I cannot help you." After I attempt a bit of failed persuasion, the customer service representative tells me I must go to a Wells Fargo branch office to discuss the unknown issue. I explain there are no Wells Fargo branch offices anywhere close to me and forcing me to visit one will be a great inconvenience. I once again request just the basic reason for this requirement. Again I get the I-cannot-help-you response. I ask to speak to a supervisor, hoping sanity will prevail. No luck, just the we-cannot-help-you comment. Amazing!

Having access to a computer, I send an immediate request to Wells Fargo credit card services for assistance, hoping someone in Wells Fargo is sane. The response I get is—you guessed it—for me to call Wells Fargo fraud prevention who will be pleased to assist me to resolve the unidentified issue. An amazingly silly circular form of assistance. Actually, this is good thing as I have been displeased with Wells Fargo for many things for a long period. As a result of this fiasco, I was motivated to request my Wells Fargo credit card account be closed immediately. Of course, since I don't know and Wells Fargo finds it unnecessary to discuss the unknown issue, I fully expect some additional silliness from Wells Fargo.

WF claims that I missed a payment in Aug 2008 and in July 2009. Since, they have been charging me late fees on this loan. I faxed them proof three different times and still today, bug me for this. I've had a 6-year loan with them. October 2012 is the last payment. This is legal armed robbery and they suck! If they think they are getting any late fees from me, they can go to heck. There's many ways around it.