Wells Fargo

I had a billing dispute with Wells Fargo and reached an agreement with them to settle the account. I pay a considerable sum and the account balance goes to zero. They then sent me a second bill even though the agreement was performed. They say it was because of a payment delay, I say I was assured the delay would not cause an additional charge. I challenged the second bill and was forced to make an additional payment over my objection. Chad the supervisor was rude, treated me as if I were a deadbeat and flatly refused to even consider my statements, responding that their records indicated otherwise... saying "that is what you say" and "our records indicate you are not telling the truth". He was very unpleasant in making any reply to my position. I have a good credit history and am an honorable person who pays my bills. I will never have another Wells Fargo credit card ever. Their collections people have a "I could careless attitude" which reflects poorly on the company. Wells Fargo will never get a referral from this lawyer, ever!

After losing my husband back in 2010, I had to sell my house in which I lived since 1971. Long story short, Wells Fargo owed me an escrow check which I received. But it has my name and the estate of my husband's name on it. I called several times starting on 12/20/2011 and still have not gotten anywhere. I must have spoken to 40 operators to date. They requested his death certificate, a copy of my and his will, and a letter requesting that the check be in my name only.

You see, my bank will not accept a check that has my name and the estate of my husband. My question is, what measures do I have to take to get my money? Wells Fargo told me to rip up the previous check and that they'll issue a new one. Well, it's February 8; and I called today and they still have no answers. Can you please advise me what to do here? I'd appreciate it. Thank you in advance.

I have overdraft protection on my account, and Wells Fargo decided that it is good business to charge a customer $12.50 to move that customer's own money from their savings account to their checking account. How is it overdraft protection when I have the money in my accounts and all it needs to be is simply transferred?

Then the unhelpful representative said she was more than happy to fill out an online complaint form or give me an address to mail a complaint to that would be received by an executive. I asked to be transferred to the executive directly. She said, "I don't have a phone number for them." So what with all the criminal fees they charge, the executives can't afford phone lines?

Long story short, they "legally" stole $12.50 from me and put me in a position to now be overdrawn which will cost me another $35 or $40. Thank you so much for your great customer service, Wells Fargo.

These big banks are destroying individuals! I will be closing all of my accounts ASAP and urge others to do the same.

My account has been hacked for months without my knowledge and consent. I live in North Dakota but I come to Delaware in the fall in the winter. I have not had my bank statements sent to me and did not know when I realized there was over $6000 missing out of my account and Wells Fargo didn't care enough to call me. I've called and called and cannot get anyone on the phone. This woman has a car loan through ally bank and the bank told the fraud dept I should have kept an eye on my account and they didn't know what to tell me. I'm tired of trying to talk to the people in Wells Fargo. I'd like to prosecute this woman if someone would help me.

I have been monitoring my family accounts that are all tied to my account. My 19 year old's account showed a balance last night of $30.00. This morning it showed $32.59! At six in the morning, I transferred $33.00 to settle the account, seeing that there was a charge for $34.00 that set his account upside down. The account immediately posted a positive balance. Four hours later, I am looking into our accounts and I see that he now has a negative of -$139.49! How can this be?

I carefully read over his accounts, and I see that it is overdraft fees. They paid the $34.00, which made his account a few dollars overdrawn which caused a domino effect on the lesser items purchased the day before and cleared, reflecting the $30.00 balance. It was bottled water for $1.08, overdraft fee charged of $35.00. Item purchased for $2.80. Overdraft Charged at $35.00, grocery market $22.00 and overdraft charge of $35.00! Instead of paying for the lesser three and having one overdraft for the one item that came in late, they work it to charge maximum benefit for the bank!

I spoke to the bank manager, who sent me to a customer service rep, who said she could do nothing. I then asked for a corporate number, she said she was it. She had well rehearsed they can't do anything, bank policy, your son's at fault. I called back the bank manager outraged, who had the same pitch as customer service. Frustrated, I asked for her boss. Finally, they agree to take one fee off, as if they have just been done a massive favor! I will be pulling my money out of Wells Fargo. He is a student still at home. They are thieves!

After requesting statements for the 3rd time. I was rudely spoken to by a representative, who actually hung up on me during our conversation. As a customer, I have the right to request for any information that I need, in reference to my mortgage, and she told me she would not mail out my payment history. I have been overcharged on my mortgage through Wells Fargo, and when I tried to talk to someone about it, no one seems to have a correct answer as to why the balance due is so high, when I have never once missed a payment.

My name is Anselmo **. On January 17 my mother sent me some money from Mexico to Utah. It was a total of $10889.48. I went to an agent in Salt Lake City and they gave me a total of 12 money orders instead of cash. I came to my Wells bank and deposit all the money orders. After a few days I find out that the money was not available, so I speaked with a banker. They told me that the money is on hold because they suspect that the money orders are fraudulent. I came to the Western Union agency and they provided me a copy of the transfer receipts. The bank decides to pay for the money orders because Western Union told them that those money orders were fraudulent.

I came back to the agency and asked them to help me out with a letter or anything that proves that the money orders were good. Today it is February 3 and nobody one to respond for my money. Western Union still has the money available because the money orders are still having funds. I am just asking to cancel those money orders and give me my money back in cash. Wells Fargo thinks that is a fraud so they want to keep my money orders. Someone needs to respond for my money. I think that Wells Fargo is accusing me of depositing fraudulent money orders because I am Spanish. They did not even check that the money orders were good; otherwise I would have paid because the money orders they are not fake. Western Union doesn't care about the customer; they have the power to cancel those money orders and pay me in cash, but they still having my $10889.48. Nobody wans to respond. If you like to get proof of the money orders, please contact me. Thank you.

We had two accounts with Wells Fargo and Wachovia, before it was taken over by Wells Fargo. One was personal, and one for a non-profit we support in Kenya. After, give or take twenty years with Wachovia/Wells Fargo, the bank suddenly, and without any warning or reason, closed both accounts, and will not allow us to bank with them again. We have never had credit problems, or anything else that could possibly be a problem. The possible complicating factor is that we live in The Netherlands (I am an American citizen), and the non-profit account for Africa, if they are seeing spooks in raising funds to be sent to Africa.

They held an investigation, but we were never questioned or told about this. It was an executive decision, and according to the fine print, they don't have to disclose the reason. I'm left to my imagination as to why this is being done. It is very insulting and an absolutely disgusting way to treat people and customers. I would like to know exactly what the reasons were to suspect me or our organization, and the reasons for discontinuing the account.

I sent in a payment via Western Union (I have the proof), and Wells Fargo received the money, but can't figure out where it went. They repossessed my car, despite the fact that I sent in the money on the date agreed upon. Now, they are keeping me waiting, and want to charge me $400 to retrieve my car, despite the fact that it was their mistake, and not mine. Their story keeps changing, and I keep being made to wait without my car. They are rude, and have lied to me all along.

I withdrew my money from my checking account, and I transferred the money from savings to checking. I went to the bank, and they checked my account, and took out the money for me. I'm overdrawn by over $300,00, and they keep charging me overdraft protection fees. I've since then taken my money, and deposited it in another bank. They are making my account look like I'm buying something, and charged me again for overdraft protection. I have copies of the days they did these things. I can prove it.

I am a victim of fraud for some time and have not gotten anywhere. My attorney asked me to file a complaint with both Wells Fargo and Consumer Affairs. I have had two bank accounts taken from me. I have suffered a few strokes and I also have had fraud with my prudential checks. Some were stolen and some have been cashed. Please contact me. I have nothing left and I need help. I am losing everything over this. I have filed with FTC. I contacted sled. And I have had my license, birth certificate, and SS card stolen. Please help. Thank you.

This is a Customer Service Complaint. I called customer service on 02/01/2012, 1-866-234-8271, at 9:27am to request that my February mortgage payment be posted to my account. As I have to do every month since I started sending my mortgage payments through my credit union electronically.

I used to have Wells Fargo go directly to my account to get the payments, but they never post them on the day they receive them. I would send bi weekly payments two or three weeks before payment is due, but somehow they would post them a week or two after they get the payments or on the day it is due. So, I canceled that out and started sending the payments through my bank instead.

Now, I am still having problems with them posting my payments even when my bank sends it to them electronically. Their customer service representatives and accounting department is the worst people I ever encountered.

I have to call every month to ask them to please post my mortgage payments to my account. They either tell me I owe or they do not take payments from third party banks (I thought a payment was a payment, as long as you get it!). I get laughed at and I had to ask for the supervisor a couple of times where they would agree with the person who did not have a clue as to what I am talking about.

When I check my account, my mortgage payments are put in a place called Applied funds, what is that? It sits there until I call to ask them to apply my payments to my mortgage. I do not get an email, notice, nothing!

This is so frustrating for me and very lazy of Wells Fargo accounting department to not check customer accounts to make sure their funds are placed in the appropriate payment status. This is outrageous and absurd for my hard earn money to be treated that way and for customer service to just sit back and laugh about it. I am really appalled at how Wells Fargo handles business. I wish I could sue!

They need to totally revamp their whole organization because eventually, credit unions will take over all of the under achiever banks

I enter an application with Wells Fargo to refinance my car and I got approved. Then when I talk to the car loan representative, I change my mind. He was very unprofessional the way he was talking to me. He was very aggressive and impolite. Well Fargo needs to train their people. Remember, it is not what you said; it is how you say it! You just lost a customer. After this experience, I will never do anything with them.

A person from an 800 number called me and has not corrected my Wells Fargo account regarding the fraudulent entries. I was certain they would delete the number of entrees listed in my account, which I thought would be deleted or corrected. Any assistance would be appreciated. I expect an email to be sent to me what they had done to correct the entrees.

My wife has had an account with Wells Fargo for years and still wondering why. Every time we go there, the people are very rude and disorganized. They never say or do the same things twice. Again, I have tried to cash a check from my college and the college uses Wells Fargo for their account so you would think that since the check is from Wells Fargo and my wife has an account at Wells Fargo that they would cash the check for us. Nope! I too had an account at Wells Fargo for not even two months.

After dealing with the ***, I ended it and stuck with my Gate City Bank account. I tried to cash the Wells Fargo check myself but was told to pay a $10 fee. So after some bantering with the banker, I said never mind, I'll sign it to the order of my wife and she can cash it for free. The banker lady said, "Sure." So I signed over the check, my wife went in and the kid behind the desk had the cash in hand and was interrupted by his younger boss girl saying that I had to be there as well and wouldn't let her cash it. This is getting crazy and I hope that no one banks with Wells Fargo. We already gave them a huge buy out from the government. They can kiss my ***! PS, I do not like the Wells Fargo employees.

This is regarding a car loan through Wells Fargo. I took a car loan (refinance) from them 2.5 years back for $6300.00. I paid $300.00 online the first 3 months and received 2 late fees. I called up and asked why. I was told I applied the money to principal and not to payment. I said, "you offer only 2 choices for payment, all to principal or all to payment". I asked, "how do I pay my payment and apply the extra to principal?". I was told I cannot. I was angry with this answer, but later found a way to overcome. I started making two payments, one for the due amount and then an extra $100 towards principal (payments are $169.00 a month).

After about 4 months, when I paid the $100.00 towards principal and then tried to make another payment, it gave me an error message saying "there are no payment options available for this account". I called Wells Fargo. No prompt at all to speak to an operator. I googled online and found out how to fool the phone prompts to get to an operator. I made a complaint about no options to speak to someone and they dismissed my complaint. I continued with why I cannot make a payment online and was told I must have changed my account information at my bank, which is not true. I was then told I must have changed it in their system, which also was not true. I had her fill in the information and she received the same error message. I was put on hold for 20 minutes and was cut off. I didn't call back.

Next week comes by, I got a phone call saying I am late with my payment. I told the man they needed to fix their online payment system and I will pay. He explained nothing is wrong with the system. I logged on, paid the payment and logged off. No problem. Next month, I tried paying again and made the principal payment of $100, then could not make a regular payment. I called Wells Fargo again and they could not find the problem. They told me to try again the next day. I did and still could not make payment. Finally, a manager told me that I can only make one payment per month! OMG! Really? So I go for 6 months, only making my normal payments when I finally got frustrated since I want to pay extra and lower my interest paid. I called back to complain and I was told "you can make more than one payment a month". I said I was told I could not. She said, "I was mistaken or I misunderstood".

So apparently, you have to wait until they receive funds for your first payment and disable payment options until it's processed. **! Really **! Now this month, I had a balance of $487.20 on Jan. 23rd. I paid $200 on the principal and then on Jan 27th, the balance showed $287.20, which I paid the full amount. The next day, I cannot log into my account. I tried for 3 days and nothing. I called and requested a payoff amount and was told (recording) I owe $290.40. I was transferred to a person (still no option, but spamming 0 works) and I told them I cannot log in and my payoff is not correct. He said my last payment of $287.20 was refused by my bank and that was the problem. I called my bank and they said it was not refused and the money was transferred on the 30th.

I called Wells Fargo back and spoke to a lady and she told me that I paid incorrectly. I should have checked payoff and not principal to pay the $287.20. I told her there is no options for payoff amount and I could not find it on the website. She put me on hold, 20 minutes, and I got cut off. I called back and when I entered my SS at the prompt, it said "No account with this number, please enter an account number"! **. I called back and same thing, "No account with this number". I called back and used my SS instead. "No account associated with this SS number. Please try again". This went on for 30 minutes and 5 more phone calls. I finally did not enter anything and was able to spam myself to an operator again. I told her my problem and said this is ridiculous, I want this problem solved and no more lies about my account.

I asked what was my balance on Jan. 23rd. She said "$487.20" and asked, "did you receive my $200 payment on the 23rd?". She said they did and the balance was $287.20. I asked, "did you receive my Jan. 27th payment of $287.20?". She said, "yes, it is showing". I asked how much does it says my next month's payment is? She said $169.00. I asked what is my payoff and she said $290.30. I asked to use a calculator and see if that adds up. She said, "no, it doesn't" and put me on hold for another 12 minutes and came back and said "someone will call you in the next 3 days to help me correct this problem". I asked, "is my loan paid off?". She said no. I asked, "why can I not log onto my account?" and she said it was because my loan status in the system shows as closed. "Okay. What does closed mean?". She said, "paid off"! **.

"Which is it?", I asked. You said it's not paid off but say it's paid off. She said the system closed my account like it was paid off, but still shows I owe $290.30 plus next month's payment of $169.00! **, can you please tell me how? She said they will call me within three days to tell me what's wrong. "Okay, I will buy that one", I said and asked her name again and told her in three days, I will call you back and tell you I didn't receive a phone call. Today is Jan. 31st. Friday, I will post an update.

I went in with a $100 worth of quarters to deposit in my savings account and the teller refused to do so. I had the coin rolled up and with the account numbers properly marked on each roll. The teller explained that Wells Fargo does not accept coin from anyone who is not affiliated with a business. She then asked me to wait for the branch manager (Betsy M.) but after waiting for 20 minutes, I left.

How is it even legal for a U.S bank to deny any form of legal U.S. currency? How can Wells Fargo be content with the fact that some of their locations will not take their customers hard earned money and deposit it? What kind of service is this? Wells Fargo will not take coin and they train their branch managers not to care enough to take the time to speak with an upset customer.

Coin money has the same value as cash money so why not take it? How can anyone in their right mind justify not taking a form of currency at a bank? It is my right to deposit money into my bank account, how dare Wells Fargo tell me that I may no longer do this.

On Jan 30 around 8pm, I spoke to a woman (not a lady) in collections named Melanie employee # s906. I was not nice after what she said but I am a customer and she should not have spoken to me like she did. She was rude and hung up on me. For 6 years, I paid $430 a month and now only we $254.00 on the loan. I want this person let go.

I will never deal with this bank again and will tell everyone else there are better banks with nicer people to deal with. I expect a follow up on this. I will pay what I owe tomorrow at a branch but will also call someone tomorrow to follow up because that is how mad I am about her. Someone should get her out of the job. She is not good for you bank. Talk goes along way.

I need help! I have been reaching out to Wells Fargo loan modification department for over a year for help with restructuring my loan. The employees tell me a different story every time I call and nothing has been done. A loan modification takes 30 days, it's been over a year. Please help.

I have been a Wells Fargo Dealer Services (WFDS) client since 2008, to finance a used car I got then. I faxed a letter request to WFDS, dated 10/21/2011 for asking to refund a bank charge of $33 that I incurred due to a WFDS agent charging the wrong bank account, for a telephone bill payment. A request to move the payment dates from the 18th to the 28th of each month, so I will not always be late in my payments, and so, I will not incur late fees and penalty charges.

I received a letter dated 10/28/2011 from WFDS denying my request, stating that I have already requested a payment date change in 2009, and that their policy allows for only one payment change during the life of the loan. The WFDS agents that do their collections were the ones who asked me to fax a request to change the dates, since every month, I am incurring late charges because my paycheck cutoff is on the 25th, and arrives on or before the 28th, when I have to pay on the 18th. This is not only causing me financial losses, but is also causing me undue burden, due to their collectors calling a few days after the 18th payment date.

In another letter faxed to WFDS, dated 11/14/2011. I asked whoever wrote the letter sent to me, because they do not sign their letters, about these "company's policies", if this was in the agreement I signed with the bank. I requested for the copy of the agreement, and the policy, who was denying my request, when I was going to get my $33 refund, and if they are denying my request for a payment date change. A retaliatory move due to my asking them to justly pay back the bank fees I incurred, due to their mistake?

To date, 01/25/2012, I have yet to receive any replies from this company. This just proves that this bank would rather earn from bank fees/charges, than work with the "clients'" needs. They are strict in collecting money owed them, when they do not know how to pay promptly themselves. A mere $33 has taken this bank 3 months, so far, for a refund. Wells Fargo Bank is a very good example of how evil financial institutions that charges high interest rates, make their additional profits at their customers' expense. This is continuously causing me distress, and undue burden that I am seriously considering seeking other legal remedies against this institution.

Wells Fargo home loan department has no customer service. Management is a well kept secret and when you do get a name and phone number, no one picks up their phone/the voice mailbox is full so you are unable to leave a message. If you are able to leave a message, no one gets back to you in a timely manner.

We have had 5 requests for a contract extension for a home purchase and Wells Fargo keeps looking for reasons to delay the closing. They have left a family of 4 homeless, the children are sleeping on the floor and all their belongings are sitting in a U-haul truck racking up a $40.00 per day bill since January 12. A loan processor threatened to stop our "financial commitment" saying that she would advise their underwriters to re-evaluate our information since Jan. 18. It is now Jan. 25, the seller issued an ultimatum that we close by tomorrow. Management has advised that the loan is clear to close and that the documents are in the closing dept. At 4:10pm on Jan. 25, no one from Wells Fargo closing dept., home loan dept, or loan officer has returned our attempts to make contact for loan status. Title company is still waiting for the documents in order to generate the Settlement Statement, we have no schedule to request time off from our employers to close, seller is very angry. This is a bank owned property and the seller is a bank. They want to sell the property and because of Wells Fargo incompetence, we may lose this house to a re-investor who has cash to pay for it.

The family is still homeless, a 3 year old and an 8 year old are sleeping on the floor at Nana's house waiting for Wells Fargo to complete the process they agreed to begin. An attorney has been contacted at a cost of $150.00 to hear my story, he said he could do nothing because banks have deep pockets and I would not be able to afford to fight a big bank.

I am sending this letter because as of last week I was informed that my car was going to be taken from me by Wells Fargo Finance. I found that very hard to understand because I never asked for them to give me anything. I asked for a reaffirmation after losing my job back in December of 2010. I filled a Chapter 13 some years after taken ill. Over the last ten years I am still fighting for my health and that is the reason for filing for bankruptcy. The hospital bills just got out of hand and the bad part is that me and my husband both had insurance and the bills were still too much. I was able to make the bankruptcy payment for a year and a half after losing my job. I was paying $950.00 into the Chapter 13 but the payments became too much for me. In the Chapter 13 I would have only had to pay back a little under $3000.00, but now I would have to pay back almost $7000.00. I had to take the Chapter 13 and turn it into a Chapter 7. After talking to the attorney I was informed to call Wells Fargo to ask for a reaffirmation. I was told no by the person on the other end because I should have paid the car of in August or September of last year and because of that, they were not going to give me a reaffirmation and they would be coming to pick the car up.

As a customer I have a car loan and a mortgage with your company and I feel that I am getting a bad deal for the second time. When I did the car loan the guy that I signed the paper work with was not honest with me and my husband. I was supposed to be the first person on the loan and my husband was the co-signer; however, that was not the case. Also, the interest was not what we agreed on. And I blame myself for not reading the paper work before I signed it. Wells Fargo is the company that made me understands that I need to always read the loan and if I don't understand something ask question.

At this point I am hoping that someone at Wells Fargo will help me to keep my car. I think I have paid for the car well over what I should have. But I am still willing to pay the amount that is remaining because I really work to be a person of my word. I am asking for someone to either allow me to pay the amount that is owed or just send me the title because I have paid for the car even after being lied to by a Wells Fargo employee. All I can do is just ask and pray what you all say about social responsibility is true. If you take my car after I have just started my own business back in October of last year, you are not going to help with my quality of life. If my car is taken I will not be able to continue with my business because I do craft show all over the state of Illinois. My car with three kids and my own business is my life to getting things done. Your company can pick my car up at any time I hope that you will work with me quickly to resolve this manner.

We want to help all our customers succeed financially and create long-term economic growth and quality of life for everyone in our communities. We promote economic development and self-sufficiency through community development, financial education, cash contributions, affordable housing, environmental stewardship, and through the efforts of our enthusiastic team member volunteers. In 2010, Wells Fargo invested $219 million in 19,000 nonprofits nationwide, surpassing $200 million for the third consecutive year. Through Sept. 30, 2011 Wells Fargo has contributed $152 million to 16,000 nonprofits. Our success comes from a time-tested formula: local people making local decisions because they know best what their communities need.

I purchased carpet a few months ago using the 18-month same as cash program offered though Wells Fargo/Empire Carpet. On January 6th a payment was sent by my bank (Huntington) to Wells Fargo. The payment did not get posted to my account until the 19th. I can only guess it was because, although my name/address was on the check, the Wells Fargo account number was not (oversight), and they did not post my payment until the 19th. I was charged a late payment of $25.00. I called Wells Fargo yesterday, and after being disconnected and on hold for some time, spoke to two people, but to no avail. This charge was not reversed.

I find this extremely unscrupulous on Wells Fargo's part, as I am sure they had the payment in hand before the due date of January12. I paid off the balance yesterday over the telephone and will never again deal with Wells Fargo. I am not sure what else I can do, but am checking into filing some type of complaint. Unfortunately, I will also never do business with Empire again if this is the bank you deal with. Quite unfortunate as I was satisfied with all else.

They don't have their facts straight/unwilling to check the facts. They transfer you from one dept to another. This all relates to a home modification loan! Also, they are charging me 36 percent interest on my charge card! How can they do that? I can barely get by now! I am very unhappy with Wells Fargo.

I took out a home equity line of credit while I was remodeling my kitchen last year and used it and then paid it off within 6 months. I am now looking at refinancing my house and they are charging me $500, plus a $20 processing fee to shut it down. I should have just used credit cards. Their fees can be a pain as well but at least, I don't have to deal with stupid rules and early closing fees on accounts. I will never ever use a Heloc again and will definitely not be using Wells Fargo. I have several accounts with them that I am thinking about closing my account.

I opened an account in my and my wife's name. All paper work including the application was filled out with my wife's current married name, our last name. Somehow, they changed her last name on the account to her previous married name without our permission. No one will tell us why or how it got changed even though all paperwork was submitted with our current last name. We even have the confirmation paperwork they sent us stating congrats "with our last name" on opening an account. But when they pulled up the account, it has her previously married last name. Is there anything we can do about this because they are saying we have to take something into a bank to get it changed?

Wells Fargo claimed I went in and made a name change to a name I had not used since my divorce. Then they said someone tempted to make an online purchase and because it was being done from another computer the IP address flagged it as fraud alert. They did a hard hold on my account, could not make any debit or cc purchases. Good thing I was not out of town. I called the bank. They switched me over to the fraud dept for which I got nowhere, answered several questions they said they could not give me any information, even after I verified the information and then found out they were calling me by the wrong name. So now, I was told I had to go into the bank with a photo ID. This was late night on Sat. Dec 31st. The bank was closed Sunday and Monday because of the holiday.

Now after verification with the bank, they let me talk to the fraud dept at which I could not get anymore answers from them. I asked them a week later after closing the case to send me a report of what they found. They said I had to have court papers to subpoena the information because they could tell me, all they said was it came from an area far from me and from a different computer. Hey, it's my account and this happened to me. I deserve to obtain this information for further action. After several hours, the bank closed my account and opened a new one. They said I only qualified for a regular account because of my credit report. I was a risk. Now, I've been with this bank since 1989 and in my better days, I had good amounts in savings and checking.

At this time with only working part time, my funds are limited, so now it gets suspicious. I'm thinking this was a way for the bank to clean house. I don't have much money for them to make off me. I fought to have my checking account back the way it was. This was not my fault. I had to go through manager's approval after raising my voice. I left there still not satisfied with what the fraud dept told me. So I called them again and then this person tells me that I had to get court papers and that the other person was wrong in telling me to file a police report.

I think the bank is covering up for something because they told me they could not reach the person who put a freeze on my account because of the fraud attempt. I will find out and would not be surprised if this was a way to downgrade accounts like mine.

A check written to me was returned for insufficient funds. Not only was the writer of the check charged a fee of $12, I was also charged the same fee. Through no fault of my own, I have to pay a fee! When I spoke with a customer service supervisor, she explained that this was "standard" due to having to transfer money between banks. I then explained that the writer of the check was also a Wells Fargo customer! She stood by the "standard" line, but did reduce my fee to $6. This is still unacceptable, particularly since both parties were Wells Fargo customers.

I went in to find out why my account was frozen in July of 2011. They said there was fraud activity on my son's account, so they froze mine as well. I filed fraud reports and talked with them twice a week about the outcome of this issue. Today, January 20, 2012 (7 months later) I find out that they closed mine and my son's account in October without authorization and essentially keeping our money.

The customer service woman screamed at me in front of a customer filled bank, telling me I had no right to ask for the information regarding my account and she wouldn't tell me where my money was or who closed out the accounts. She stated I was lying about having submitted a claim when she had just verified that there was one with Wells Fargo's Fraud Department. Her tantrum resulted in her kicking me out of the bank and telling me never to come back. I had almost $2,000 saved between the two accounts that I have no idea what happened to. I am forever a voice against Wells Fargo.

This is the worst customer service experience with a bank.

I have been a Wells Fargo customer for 4 years. I was unable to use my debit card. I called WF customer service. The banker on the phone stated to me they could assist me in getting me a new card sent out thru the mail within the next two weeks. I previously did a change of address the first week of December which was 6 weeks before my card was to expire. Upon the completion of the transaction the representation stated to me that my card wouldn't be interrupted when they mailed me out a new card.

Twenty minutes later I went to use my card and the card read invalid. I couldn't make a purchase. How embarrassing. Then I went to log online and didn't have access. Now at this point I don't have access to my money nor my online account. I again call back to Wells Fargo and spoke to a Susan ** who was very rude as a supervisor in the Westlake, Tx call center. Throughout this entire conversation as upset as I've been, Susan ** never apologized about the second represented hanging up on me.

The only thing that Susan ** could help me with is telling me that I could go to my local bank. Unfortunately Susan wasn't listening to me when I stated to her that I was at work and unable to go to the bank before closing time. When asked to overnight my card to my place to residence, she kept stating to go to the bank as if I didn't think of that. Upon completing my call with Susan and asking for her supervisor's email address so I could address with someone higher than the supervisor Susan stated to me, and I quote, "You act as if I am hiding something from you. I have no problem with getting you my supervisor." After waiting another 10 minutes on hold an Alex, "mentor" for the call center, picked up the phone. I began my rant to Alex about how rude the supervisor was. I stated how Susan ** didn't apologize to me.

Susan never addressed the fact that a representative hung up on me. After the statement given to Alex, he apologized to me; however, he stated to go to the bank and there was nothing to be done about their mistake. Now at this point he must not have heard me when I stated to him that in fact I was at work. He then stated to me he would call my local bank and set up an appointment (which was his resolution). He gave me the phone number to my local bank. When stated to Alex that this is not setting up an appointment, he kept asking was there anything else that he could do for me and hung up on me.

Everyone knows how ** the customer service is with Wells Fargo. They're notorious for taking advantage of people. It was their mistake, and it couldn't have happened at a worse time for me. They told me that there was nothing they could do about it. This is the worst customer service experience with a bank.

My vehicle was repossessed the day after Christmas 12-26-2011. I was never notified by mail, telephone, or in person that Wells Fargo was going to repossess my vehicle. After the repossession, they sent me a letter stating I could not reinstate due to me meeting one of the six reasons for not being able to reinstate: "concealment". I feel my right to reinstate has been violated because I never tried to hide my vehicle. Since the day I purchased my car, I naturally parked my vehicle in my garage to prevent from theft and vandalism.

A lady named Anita stated that because my car was parked in my garage, I was purposely hiding my car. She also stated her representatives seen my vehicle 3 times parked outside my home. I asked her then why didn't they take it then? She also stated that they approached me, which is a lie. No person ever approached me. When I asked who and what dates did this take place, she said she did not have that kind of information.

During the month of December, I moved out of my home and into my mother's home which is also a reference on my application, and for that month my vehicle was parked on a public street everyday. When the repo men took my car off a public street, I willingly provided them with the keys as well. My problem is how can I be concealing my vehicle if I did not know they were wanting to repo it? I never told them that they could not pick it up. I never stop anyone from trying to pick up the vehicle, and no representatives approached me. I would like to have the right to reinstate my vehicle.

I have a very interesting Wells Fargo Bank horror story. I urge everyone out there, who does any business with this bank, or has any accounts there, to immediately transfer all accounts away from that bank, and cease having anything to do with them. If everyone does this, then maybe the CEO who refuses to hear what anyone has to say, will have to answer to his shareholders. That bank must be brought down, and shut down forever. They are outright criminals, who steal people's homes and money, without regard for the rules and laws of this state and country.

I have three mortgages with them, each of which is timely paid when due, with no late or missed payments, when last month, I suddenly did not receive the monthly invoice on one of the mortgages. I nonetheless went to the bank before the due date, and paid the monthly sum, got a receipt for the money the bank took from me. Shortly thereafter, I received a letter from the bank, advising me that I was delinquent on that mortgage, by more than a month, and that foreclosure proceedings would soon commence. Knowing that this must be a mistake, I immediately went to the bank, spoke with a manager, and spent over four hours on the phone with a whole myriad of different employees from different departments, each of whom was incompetent to rectify the matter. I wrote to the CEO ,to prevent any mushrooming of any foreclosure proceedings, all to no avail. I received no response.

I continued to pay the next monthly timely payment when due, only to receive another letter proclaiming that foreclosure proceedings would commence, due to my purported delinquency. What I was to later learn was that someone at the bank decided to add (illegally, I might add) 2 cents to my 30 year fixed mortgage contract payment, without notifying me of the same, and while taking my monthly payments each month, they fail and refuse to apply the payment to my account, because it was 2 cents short. They kept my money, failed to apply it to my account, and continue to threaten foreclosure proceedings, proclaiming my delinquency, when I have never been a second late by even a penny.

Our government is premised in its duties to protect its citizens from these criminals. Wells Fargo Bank, in this regard, is no different from the common criminal off the streets. In fact, what they have done is worse. They are very sneakily trying to steal my home by their illegal actions, and refuse to this date, to rectify their records, which by now is apparently an intentional action undertaken by them to outright illegally steal my home. I have visited my local branch, mailed two letters to the CEO, and expended well over four hours on the telephone with a whole myriad of different employees from Wells Fargo Bank, each of whom is incompetent to rectify the situation. Please help. You are a government agency who is supposed to protect us from their outrageous illegal actions, as they illegally behave with impunity.

How many others are they doing this to? I will now have to retain counsel, who practices in this area of the law, to bring a lawsuit against Wells Fargo Bank, for what they are doing to me and to get an injunction against them, from proceeding to steal my home, unless you step in and finally get those monsters to start obeying the law, and the 30 year fixed mortgage contract. in which they entered. Please spread the word. Everyone out there, please beware of Wells Fargo Bank, and their criminal activities. Take all your money out of their banks, and close your accounts there. Any other local bank will be more than happy to accommodate your banking needs. Stay away from these criminals, Wells Fargo Bank.

And, by the way, I also learned along the way that their purported "loan modification department" was, and is, nothing other than a myriad of phone numbers, with no one answering them, set up to purportedly comply with government regulations in order to qualify to take our tax "bail out money", with absolutely no intentions of ever modifying any loans. Try calling any of their loan modification departments, and see if and when you can ever get anyone to answer a phone, or ever return a call. It will never happen. I got a negative false credit report, commencement of fraudulent foreclosure proceedings.

I received a money order purchased by a friend in California from Wells Fargo bank. When I presented this money order to the Wells Fargo branch in Hamden, Ct., I was told that there was a $ 10.00 fee for cashing the money order since I didn't have an account at the bank. This was not a personal check, or a business check, or any kind of check, but as money order sold by and drawn on Wells Fargo bank, for which the friend probably paid the Wells Fargo bank in California. Charging a fee for cashing their own money order, while it may be legal, is beyond sleazy.

If the party had purchased the money order from the post office, or Western Union, or any other honest business, there would be no charge for cashing it. This practice is outrageous. I certainly would never bank with Wells Fargo and would advise anyone else to avoid this contemptible bank. I went to my bank, a considerable distance, where I deposited the money order and cashed a check for the same amount.

A few years back, I assisted my son with making payments to his credit card account(s) with Wells Fargo. That is how I became involved with them. It was suggested that I take over his payments as though I was a co-signer. When it came time to see about a loan to add siding to my home, I went to this entity of WF, since it was the only contact I had with that bank. They suggested taking all of my debts and consolidating them with this siding loan. A few years later, the ARM kicks in and I'm starting to worry because the monthly payments are beginning to skyrocket. I get hold of the WF rep and agree to make it a fixed monthly at the fear of increased house payments. At this time, I did not know I wasn't actually paying a mortgage as most are done, with the other consolidations paid to their separate account.

Now when I'm trying to figure out what I do owe yet on the house and some of the how to's, like making payments directly to the principal, searching online for complete account activity and how each dollar is going toward each item of consolidation, how to contact the people involved at the root of the initial paperwork, I can find nothing or nobody that can give me a breakdown or point of contact. It's as though all of the payments go into a pot and divvied up as purely a lump sum.

Without knowing any of this, I cannot make payments directly to the principal of the house and get what is owed in that respect down enough to actually have a mortgage company take over at a lower rate. In speaking with a rep. from WF, I'm told I need to get the total consolidation down by at least another 10-15,000 dollars before that can be considered since the value of the consolidation needs to equal that of the value of the home. WF is taking the total consolidation as the value of the home. If that is the case, a $300 credit card balance originally owed should equal the 101,000 balance of the consolidation and that is totally incorrect and definitely poor business practice.

I think I'd be happy just knowing how I can access this account to see where the money is going and some means to pay toward the principal of the house. It would also be nice to see how the other items in the consolidation are being paid off so I could pay each one off and get them off the list of what's owed.

There is nothing. Only a monthly statement that comes in with how much to pay. Payments are made monthly by transferring money from my bank to an account with WF that is subsequently taken out by whichever entity does it. And that entity cannot provide me with any information or a means to visually watch or make principal payments.

As a note, a few years back, a friend of mine who is a financial advisor and I went to the WF office I had dealt with to speak with them about this. We just wanted to see if we could lower the interest rate since I had been paying for 10 years and never missed a payment. The person we spoke with had a simple solution, "Cash in your 401K and pay it off." Yes, that is in quotes that I'll never forget. My advisor was outraged at such a comment and told him it was very poor business practice to say that. I think he knew it because he immediately left the office only to be replaced by another associate. The main banking offices of Wells Fargo know the underhandedness of the Wells Fargo Financial offices since I was flat out told that that is one of the reasons why they have distanced themselves from the Financial offices. Possibly it's why that particular office is closed downtown, too. If the main office knows it, the public pretty well knows it.

I attempted to withdraw money out of a Wells Fargo ATM. I am not a customer but this ATM was the closest to me at the time. I entered the amount of $400 and the machine said thank you in big letters and was confusing as I was still waiting for money to pop out the front. I never received any money because the ATM could not complete the request due to the ATM being out of money. All this is understandable.

This is what is not: I have a $500 limit on my checking account ATM, so after attempting to withdraw $400 WF put a hold on my account so I was unable to pull any money out until the next day (a big horrible inconvenience to me). I knew there was a hold from this money, so I went to my bank to see the status of the hold to find out they followed through with all charges! My bank account is now $403 less and I never received a dime, only headaches wondering how this will pan out!

I have a Mattress Firm retail account serviced by Wells Fargo. I pay an interest free promotional balance on this account. My bill is paid through Bank of America's bill-pay on the first of each month. Jan.1, 2012 fell on a Sunday, therefore (unbeknownst to me) Monday, Jan. 2 was a bank holiday. Wells Fargo did not receive my payment until Tuesday, Jan. 3rd. I was charged with a $35 late fee on Jan. 2nd and a $1.07 interest charge.

I have been a Wells Fargo customer for 7 years. I've dealt with service charges, I'll customer service, and such because they offer a decent direct deposit advance that my husband and I have had to rely on a few times to get by and many of my family members also go through WF, so transferring money from account to account has been pretty seamless. It hasn't been such a bad gig, and most of the time they've done alright by me.

I recently gave my landlord an $850 rent check. I gave it to my landlord on 1/5/12, but they normally take several days to a week to actually get our check into their account. I knew we didn't have enough money to cover the check and by not enough money, I mean we were only short about $10. My paycheck was due to automatically post on the 10th, and that would cover well over the $10 my account was shy at the time, so every day several times a day from the 5th until the 10th, I checked the account to see if my rent check was posting. I had intentions of getting a DDA if the check posted before the 10th when my paycheck came in. A DDA will add money into your account immediately, and if it covers over any withdrawals or checks, there are no overdraft fees. It acts just like cash.

By the morning of the 9th, my rent check had still not posted, but I was nervous about it posting that day, so almost hourly I checked my account information online to make sure that if it were going to post, I would get a DDA in to cover the overage immediately. A $20 DDA with a $1.50 fee was much more doable than a $35 overdraft fee. So, 4 o'clock (end of business day) came, and still no rent check posted. 6 o'clock, still not posted. Midnight, still not posted. 1:00 in the morning on 1/10/12, still not posted! I went to bed knowing that my paycheck would be in when I woke up and all should be taken care of.

So I wake up on 1/10/12 and check my account. Now, all of a sudden, posted on 1/9/12 is my rent check? And, even though my paycheck has also posted by now and my account is positive, I get an overdraft fee of $35 on 1/10/12 because the posted check on 1/9/12 was for more than my account balance was. I called to talk to a banker, and was told that even though they didn't update my account on the 9th with the posted check, that's just how they work, and there was nothing they could do about my overdraft fee. I told the banker that had I known the check was going to post on the 9th, I would have put in for a DDA for $20 to cover what my account didn't have for the check.

He told me that I should have had the money in my account before the check came in. I told him that if it wasn't going to post until the 10th, that it would have saved me the $1.50 in DDA interest, and I didn't have much capacity to afford even such a small amount, and that a $35 overdraft fee was something I absolutely couldn't afford. I also remind him that I was checking almost hourly on the 9th to see if it was going to post so I could fix it with a DDA. I was starting to get emotional right about now.

The banker on the phone tells me that he can give me a partial refund of $17.50, but that Wells Fargo has no control over my balance and I should have had enough money in my account to cover any checks that were out. I'm still out $17.50 for a ** charge! He also tells me paper checks work in a different way than any other withdrawals or electronic transfers: that if another bank takes money from a paper Wells Fargo check, Wells Fargo may not know about it until the next day. I ask him if that means that the money didn't come out of my account until 1/10/12 (when there was money to cover the check! ) and he tells me yes, the money did not come out until the 10th, but it still posted on the 9th. I tell him that online, it never showed up until the 10th, and he still tells me that it came out on the 9th, they just didn't actually take it out until the 10th. I ask him how I'm supposed to know when money is being taken out of my account, and he can't really answer me.

I tell him that I had intentions of putting the DDA in my account if I saw that the check was going to be coming out on the 9th, and that it's not fair to charge me an overdraft fee if by the time the check actually came out of my account there was enough money to cover it. He begins to repeat the same things he's already said to me, almost verbatim, as though it's this heartless script he's got in front of him. I should have had the money in my account on the 5th, he tells me. There's nothing they can do about my balance, paper checks work differently, even if it didn't actually come out until the 10th, it posted on the 9th. Paper checks don't "pend" they just "post". I told him it didn't post until the 10th, how could they retroactively post it the day before? "That's just how it works," he responds, "so do you want the $17.50 refund or not?"

I tell him that the online banking system lied to me, that Wells Fargo lied to me, saying at 1:00 in the morning on the 10th that nothing posted on the 9th, and that lie cost me $35, or $17.50, or whatever he wanted to look at it as. I ask him how this lie makes it okay for Wells Fargo to steal money from me. How is it okay to tell me my account is in good standing one day, then the next day tell me that my account actually overdrafted the previous day? He tells me again that's just the way it works and that there's nothing illegal about it.

I choose a different approach. I ask him when the business day closes, knowing full well that it closes at 4:00 pm. He answers correctly so I go on to ask him what happens when something goes on in an account after the business day closes. He tells me that unless it's a cash deposit in an ATM or at a branch, things post the next business day. I remind him of the fact that by 4:00 pm on the 9th no $850 check had posted, so the business day was over, he said yes. I said that even at 6 o'clock, and even through the middle of the night into the early morning hours of the 10th, my check had still not posted, and the next business day had not yet begun, and he again says yes.

I ask, "So how in the world did a check post on the 9th that didn't post until the 10th? How did I overdraft on a check when by the 10th my paycheck had posted and covered the entirety of my $850 rent check that didn't come out until the 10th?" He says that Wells Fargo did me a favor by paying the check when I didn't have enough money to cover it and the $35 overdraft fee is the charge for that service. If I know that a check is out, I need to have money in my account to cover it. I ask him how I'm supposed to know when a check is posted if I'm not kept up to date about my account activity. He begins to, again, give me the heartless script that he's been giving me the whole time.

Throughout this entire conversation, as upset as I've been and as inquisitive as I've been about these completely bogus business practices, he's asked me numerous times if he's answered all of my questions, if I have any more questions, if there's anything else he can help me with, if we're done here. He talks over me, starts speaking in the middle of my questions and concerns, completely disregards what I'm telling him. He tells me on several occasions when I ask to speak to someone who can help me further, someone higher than him, anyone else I can talk to, that there's no one else available to help me. "Your Wells Fargo," I say (although I think there was a curse word or two in there somewhere), "you cannot tell me you're the only person there!" "Ma'am, if there's nothing else I can do for you and I've answered all of your questions..."Wow! I cannot believe that this just happened!

We have been Wells Fargo customers since 2006 and last week, we were told we can never have another account with them because I was written a check that did not clear. This check was put on hold until it cleared and when it did not, our account was put on hold to be closed in 10 days. They allowed my husband's direct deposit to come in but did not pay any of my bills or allow us to have any for gas, groceries or anything. I was told there was nothing I can do about it and will have to wait for them to send me a check with the final amount, which I can not verify if correct since our online banking was also closed down.

I have banked at Wachovia for a few years and never had any problems. Once Wells Fargo officially took over, the problems began mounting. They took to holding our Saturday morning deposits until Tuesday, saying that banking policy is that Saturday morning deposits are treated like Monday COB deposits. Even when I pointed out that the branch tellers and the deposit slip said differently, I was told I was wrong. I was bounced from the branch to the 800 number back to the branch. Now, the branch has signs up about their deposit policy and we took pictures of it so when it happens again, we have proof.

The latest is that they authorized a check to be cashed on my account even though the account was already negative. Yes, we knew if the check was deposited we could incur a fee and we asked the person to hold off. In either case, I would not have snapped at a deposit but to have actually cashed it, knowing the funds were not there, was something different entirely. It is in line with their policy and it is due to "a good banking relationship with them" that they offer this sort of service. As I pointed out, it merely serves to put fees in their pocket. I will be looking for another bank now, one that hopefully less shady about my money than Wells Fargo.

On December 8th, 2011 I gave Damon ** the remainder of the money from my paycheck to deposit in his bank account. While I waited in the car he entered the Tillamook Oregon branch of Wells Fargo bank located at 2006 4th ST Tillamook, OR 97141. On December 22, 2011 I again gave Damon the remainder of my paycheck to deposit into his account. On that day we discovered that his account balance was not the amount it should be. He called customer service on December 22, 2011 and was told that he had made a deposit by check on the 8th of December 2011 that had come up NSF. He was told that because of this the funds had been removed from his account.

He informed them that he had not deposited a check on the 8th of December 2011, he had deposited cash customer service and then opened a ticket. Damon next went to the Wells Fargo branch in question on December 23, 2011 in person with me to ascertain the nature of the confusion. We were told by branch manager Mellissa ** that she had approved the removal of our cash deposit because an individual unknown to us had arrived at the Tillamook, OR Wells Fargo branch with a transaction receipt from a transaction on my Damon's account and a letter from their landlord stating that the amount on the receipt was the exact amount this individual owed in rent.

This other individual claimed to have accidentally deposited the money into the wrong account. Mellissa ** asked us not to involve the police in this investigation and that she would prefer she handle it internally. We next heard back from Mellissa ** on December 23, 2011. She informed us at that time she had been reviewing surveillance footage and there was no doubt Damon was there at the time the deposit was made. We did not hear any news from Wells Fargo. On January 3rd, 2012 Damon called the Wells Fargo customer service line.

After about an hour of being transferred from person to person, he finally learned that his ticket had been closed and he had been referred to the Tillamook Wells Fargo branch. Mellissa ** informed us that she had investigated the matter, and even though she could see Damon enter the bank and engage the teller in a transaction she could not tell from the angle of the cameras what that transaction was, so she was going to allow our deposit to remain with the other party as she is familiar with them and they have a long history.

She refused to give us contact information of her superiors, stating that there is nobody above her we can speak with in regards to this matter. She would not tell us what her system records his account being accessed for at the time he was seen on surveillance footage engaging a teller. We were informed by branch manager Mellissa that with a cash deposit whoever holds the transaction receipt has absolute proof that they are the individual who made the deposit. I have contacted the Oregonian help desk, an attorney, FDIC, OCC, Oregon DOJ, FTC, OSP, Better Business Bureau, Division Of Finance And Corporate Securities and we have filled out an FTC ID theft affidavit, and written to my tribal council, senators, representatives, and congressman about this matter.

As a result of branch manager Mellissa's activities, we were unable to purchase Christmas presents for our children or enough food to feed all members of our family. Damon and I went several days without food so we could afford to make it until my next payday. We have not received our cash deposit from this transaction. We were charged NSF and overdraft fees as well as late fees on unpaid bills.

My check account is in my name. I am married so I went to the bank on 11/2010 to add my husband to my account. For the past year, he has deposited his pay check into my account via the ATM. He has never signed the paperwork for the addition. Then, Wells Fargo has put a hard hold on my account. Since last Wednesday, I have not had access to my checking account (I have $4,500.00 in this account). I also have $500.00 in a saving account that has also been held. I cannot buy gas for my car, buy groceries, buy my medicine--I am at a financial shut down. I have read the disclosure and I did not see anything that says anything about this problem. Can anyone help me? The bank is closing my account because I am a risk. They will mail me a check in 10 days. In the mean time, I cannot pay any bills.

I have a cashier's check made out to Santander and apparently, Wells Fargo cashed the cashier's check and my car note was never accredited to my account. So I have contacted Wells Fargo several times, have gone to a local branch and have gotten no settlement to locate these funds. I'm so upset because no one wants to help investigate to where this money was accredited to, so I'm late on my payment.

My checking account was debited to $86; it should be $100. I don't know why it became $84.

They do not seem to be able to pay bills on date submitted in the system. Their late payments have cost me late fees, time and credit card reward points. When it was Wachovia I never had this problem.

I brought Volvo in Glen Burnies, MD in 2008. They were trying to finance the car. So Wachovia approved it, but Wells Fargo didn't. I don't have any proof of copy to Well Fargo contract. I asked them to send me a copy of the contract. No response. Now, I'm very upset. When I tried to refinance the car the year 2011, maybe month ago, they sent a letter telling me "out of lending area." They didn't really check the credit report because it isn't the reason the Equifax denied the loan. Right now I am seeking a lawyer to handle this matter. The interest rate is outrage. My payment is large. I have been sick and paying for therapy bills and hospital bills. I am on fixed income monthly.

I'm getting ready to pay off my car loan and I've had a perpetual problem with the auto pay on my account. From the onset of the loan, I made the mistake of requesting it be directly withdrawn from my checking account monthly. The first problem was when they wanted me to make two car payments when the auto pay activated, I called and explained I could not make two payments in one month. They sent me the paperwork to change the date again, and since I did not make the two payments in one month they had me as being late every month.

I called , I wrote letters and nothing. So, I wanted to pay off the loan but they told me there was nothing they can do about it. This morning I wasted two hours and four phone calls being bounced between the east and west coast. I finally got to speak to a supervisor and she was very adamant that Wells Fargo could not and would not be issuing any credit on three years of late fees. I explained that it would not have been late if Wells Fargo just changed the date and got rid of the request for two payments in one month.

My repeated requests led to my frustration and I swore once , she told me she would end the phone call. Just so things were clear I asked her, after calming down, that they would not credit any of it, I even offered to split it. But she said they were a bank and they don't do things like that. So, I will be punished financially for Wells Fargo not wanting to review the history and see they have never had to wait for their money ,deal with a NSF, or anything else. The only thing that went wrong was I was trying to ensure that a late fee was never incurred due to my putting the check int he mail late and signing up for auto pay.

Most everyone knows how crappy the customer service is with Wells Fargo. They're notorious for taking advantage of poor people in desperate situations, thus causing a cycle of debt that keeps us hopelessly and perpetually chained to that way of life. After years of being **-raped by this institution, they've finally pushed me too far.

I went to several different places this evening and had my card rejected at every one. So, I called the hotline and was told that someone had called to report my card lost/stolen. I made no such call, and no one else has access to my accounts. It was their mistake, and it couldn't have happened at a worse time for me. They told me that there was nothing they could do about it.

I'm putting the word out for all clients of Wells Fargo (and all major national banks) to close their accounts, and open new ones at local credit unions (which is the first thing I intend to do as soon as I break my leg off in their ** tomorrow). I'm fed up with their sleazy business practices, non-accountability and the apathy and incompetence of their employees. People need to wake up, break the chains of dependency to creditors and financial institutions, and shut these people down forever! If we don't take action now, we will continue to be their slaves.

I have multiple accounts with them, money market account with approximately $2,100.00 for emergencies. Now, they are charging $10.00 per month because there is not $2,500.00 balance. Over $4,000 deposited in checking per month. They are cockroaches looking for a feast, said this is because of hard economic times.Guess, we suffer while they gain.

I have had multiple issues with my account ** with no resolution or response from Wells Fargo. I admit the original issue was error, but shortly there after more and more things started happening in my account. My password was changed, bank transfer (from account with not enough funds therefore incurring additional fees), failure to assist with an account that was pulling funds from my account. Wells Fargo (or collections - the number referenced the state of OR) would on some days make as many as 14-15 calls to me with no one on the other line or hanging up before I could even pickup (1 ring). Upon calling the number back, I have recorded and witnessed of being in hold cycle for more than 15 minutes.

Two from my local branch informed me fraud and consumer complaints had to go through the 800 line, the 800 line instructed me to go to the branch. Now, I found out that they have reported me to ChexSystems as fraudulent activity. When in fact, there was such activity in my account and thus my attempts to resolve the issues.

I have stated the one time I got through (and before being disconnected) that I agree I owe for a withdrawal I mistakenly did not cancel (totals around $119), along with any OD fees, but the additional fees of Wells Fargo transferred and those incurred fees are not acceptable. It's frustrating as a consumer to get as many calls a day as I had that were either dead or hang ups, and no answer when I tried. I even used my parents land line in the case there was oddly something with my phone. No change was the response, several times we sat on hold for 10-12 minutes.

Wells Fargo legal department does not understand court orders. In November I was appointed temporary legal guardian of Emma **, account no. ** who had two IRA CD's at the Peoria and 107th branch in Sun City, AZ. One was in her name and one is an inherited IRA from her husband who died in June 2011. I submitted my paperwork and was told I needed a power of attorney (POA) by the legal department. I pointed out that a court order was much stronger than a POA. They then said they needed 2-5 days to research it.

A few days later, I was able to cash the IRA CD for my ward. Today, I went in to cash the inherited IRA and was told I had to wait 2-5 days. My temporary letters expire on the 4th of January (tomorrow), but I did receive permanent letters in late December. These were faxed to the legal department who said they needed 2-5 days more. The legal department said that my conservator letter did not specify inherited IRA's! They do not know what this type of court order is.

This is more than frustrating. My ward is a legal non-entity and cannot sign or make legal decisions regarding any legal documents, including checks, CD's, IRA's, wills, or POA's. In effect, I am told I cannot cash the IRA even though I am the only one who can until the legal department reviews the request. The bank manager wanted to know why I needed the money. (Why does he care? And should he believe what I tell him?). He also told me he did not know the government agency to which I should address my complaint (it is the Office of Consumer Affairs **). They requested that I contact them first before submitting the complaint.

I have spent 5 days in their bank, establishing a new account, cashing my ward's IRA, and now trying to cash her inherited IRA. My ward has bills, legal and housing (she lives in a memory care facility in Sun City West, AZ) which need to be paid early this month. This cannot be something new or unusual for their Sun City accounts. There must be a lot of conservatorships in this area.

This is the worst Customer Service experience with a bank. On December, 27 2011, I, John ** opened up two accounts at my local Wells Fargo branch located at Camp Creek Marketplace. I opened up the account with a check which happens to be a student refund check from American Public University Systems. I am attending school there majoring in Psychology and minoring in Special Education. On the 27th when I opened up the account by depositing my check, I was informed that the funds would be available on the 30th of December. On the 29th, I contacted the bank because I reviewed my account on line and it had a negative balance. Over the phone, the representative informed me that my account was negative because the check was returned as not payable. I was then advised to come into the bank.

Once I arrived at the Wells Fargo branch, I was informed that my account was scheduled to close because I did not meet the minimum requirements for an account. I was then informed that it will take 10 business days for the account to be closed and for them to issue me a cashier's check that I would receive in the mail. I asked if there was anything that I could do to make the process go faster. I was informed that I could get a letter from the bank that the check is drawn on stating the date that the check was paid, the amount of the check, the check number, person verifying and phone number of the verifier. I then contacted that bank and that bank informed me that they do not deal in third parties so they would not be able to generate that letter for me. However, they would generate the letter if the letter was requested from Wells Fargo.

I then contacted Wells Fargo and spoke to a representative from the Executive Office. The officer that I spoke to stated, "It is not the responsibility of Wells Fargo to request the letter" and that they would not do so (Agent ID 8992). I then contacted American Public University and they informed me that they could fax over a copy of the check front and back as well as the rest of the information that Wells Fargo was requesting. Next, I contacted Wells Fargo's Executive Office again and informed them of what my school stated to me. The agent with whom I spoke with informed me that it would not be sufficient because it will not be on the bank letter head.

Now that this situation has occurred, I am now at risk of being trapped in what is known as the snow ball affect starting with being dropped from my classes at American Public University and next not being able to receive financial aid again because I did not meet the minimum requirements and eventually causing me to default on a loan because Wells Fargo has policies in place to hold funds for the maximum amount of time which they informed me would be 10 business days not including holidays.

On December 30, I was unable to use my debit card. I called WF customer service. She did not know why my card was invalid. I then proceeded to the nearest branch. The WF employee picked up the phone stating he would be calling a different department. He then handed me the phone. I was informed that my account was frozen and closed, that I would receive a cashier's check on January 17 because I deposited a bad check. I explained that my husband and I are separated. He paid me for the health care premiums. He subsequently was mad about something and decided to stop payment on the check. The check was in the amount of $4500. My deposit into the bank was $15,500.

They refused to allow me to take any money out of my account. I explained there was no way they could hold all of my money for 20 days! This is the only money I had. The representative repeated, "miss, you deposited a bad check. Your account is closed, you will get a check on the 17th". How can it be legal to hold $15500 when the check was only for $4500?

I found out that Wells Fargo started charging us monthly service fees on our checking account as well as our savings account. They told me the direct deposit is no longer good enough and that we needed to keep $7500.00 in our account at all times. Who has that kind of money? Or, to get the fees all waived, you can switch your mortgage over to us. That's black mail!

I gave Wells Fargo my credit union account number to charge one time. I got contacted by my credit union and was told that my account was -$480 and that Wells Fargo was charging me twice a month for my student loan. The funny thing is the fact that my dad was paying for my student loan every month so they had no reason to charge my credit union account.

My credit union account is the way I pay my car note. When I would deposit money to pay my car note, it would get wiped out because Wells Fargo would charge my account. So as a result, it looked as if I had missed one monthly payment. I was 90 days late and my car was repossessed. Now I am working on getting it back. I got all these charges and fees to pay in order to get my credit union account back in right standing. This is crazy. Don't give them your account number.

On December 30, 2011, around 9:10 AM, I talked with Keith about my past due account. I ask to have my interest reduced from 18.75% (which is above everyone except loan sharks) Because I am late, and he said (loudly) that he could not change the terms of the contract, or help me. He was very rude, and said if I could not work with them, how could he work with me? This is why I called to get help. I will never do business with Wells Fargo again! Nothing was resolved as I refuse to be talked to in a rude way.

On December, 27 2011, I, John **, opened up two accounts at my local Wells Fargo branch located at Camp Creek Marketplace. I opened up the account with a check which happens to be a student refund check from American Public University Systems. I am attending school there majoring in Psychology and minoring in Special Education. On the 27th when I opened up the account by depositing my check, I was informed that the funds would be available on the 30th of December. On the 29th, I contacted the bank because I reviewed my account online and it had a negative balance.

Over the phone, the representative informed me that my account was negative because the check was returned not payable. I was then advised to come into the bank. Once I arrived at the Wells Fargo branch, I was informed that my account was scheduled to close because I did not meet the minimum requirements for an account. I was then informed that it will take 10 business days for the account to be closed and for them to issue me a cashier's check that I would receive in the mail. I asked if there was anything that I could do to make the process go faster.

I was informed that I could get a letter from the bank that the check is drawn on stating the date that the check was paid, the amount of the check, the check number, person verifying and phone number of the verifier. I then contacted that bank and that bank informed me that they do not deal in third parties so they would not be able to generate that letter for me. However, they would generate the letter if the letter was requested from Wells Fargo. I then contacted Wells Fargo and spoke to a representative from the Executive Office.

The officer that I spoke to stated that it is not the responsibility of Wells Fargo to request the letter and that they would not do so (Agent id 8992). I then contacted American Public University and they informed me that they could fax over a copy of the check front and back as well as the rest of the information that Wells Fargo was requesting. Next I contacted Wells Fargo's Executive Office again and informed them what my school stated to me. The agent with whom I spoke with informed me that that would not be sufficient because it will not be on the bank letter head.

Now that this situation has occurred I am now at risk of being trapped in what is known as the snow ball affect, starting with being dropped from my classes at American Public University and next not being able to receive financial aid again because I did not meet the minimum requirements. This is eventually causing me to default on a loan because Wells Fargo has policies in place to hold funds for the maximum amount of time which they informed me would be 10 business days not including holidays.

I spoke with Allissa about 5 pm today. She was rude, spoke over me, would not stop talking while I was speaking, and was not professional. She should not be in customer service. I asked for her supervisor and she spoke sarcastically, "Have a nice day," loudly or something to that effect. I do not appreciate being treated like that. At one point, she said she didn't know how many NSFs I had. I have never been treated like that from anyone at Wells Fargo. She gives them a bad reputation. How many others does she treat badly and gets away with it. Then she proceeded to send me to a voicemail of her supposed supervisor.

I was charged for NSF in my bank account for December. I knew my deposit would not be there on the 20th. I get my check on the third Wednesday of each month. In December, the third Wednesday was the 21st. I had asked that auto pay be turned off in November 2011. The woman assured me it would. It was not and it resulted in an NSF charge of $36.00. I made the payment on the 21st like I planned. I want a refund. I have faxed paperwork pertaining to my bank statements on 12-21-11. I got a letter saying they want more information on 12-28-11. I faxed more paperwork on 12-28-11. What is going on? Please refund my $36.00 ASAP.

Please people, look at all these complaints. Do your business elsewhere. This website should convince you. We can't all be wrong. I'm out of $36. I'm caught in the nightmare of trying to get someone on the phone. They make it almost impossible to contact them especially with a written complaint. The automated system is so hard to navigate.

I transferred money from my accounts with Wells Fargo Advisors in order to pay my property taxes. On December 7, 2011, Wells Fargo Advisors cut me two checks for $1200.00 a piece. I made a total deposit of $2500.00 into my Wells Fargo checking account. I let it sit there for two weeks in order to know that everything cleared. I was showing a balance or a little over $3000 for two weeks.

I finally felt safe enough to write the tax check on December 22, 2011. On December 23, two weeks after the deposit and after I wrote the check, Wells Fargo decided that the check wasn't acceptable and took the money out of my account. After two weeks. My check bounced. I'm $700 in the hole. My other payments will not go through. My health has suffered as I have high blood pressure. I'm still waiting to resolve this with Wells Fargo advisors.

When I opened my accounts, I was told I would not have the service charges. The fees/charges amounted to $9.95 for bill pay, and $15.00 monthly service charges . They refused to credit all the charges, and would only credit back two months. I closed my accounts.

I made two check deposits consisting of multiple checks at a Wells Fargo ATM machine on September 8, 2011. One of the deposits was not processed correctly due to machine malfunction and I was credited $0.01 for the deposit. Next day, an adjustment of $3654.18 was credited to the account. However, a letter from the ATM operation issued on September 22, 2011 claims that the checks for this deposit were missing and the bank is requesting me to resubmit the missing checks. If I failed to comply, the amount would be debited from the account.

On November 16, 2011, an amount of $3323.20 was deducted from the account. Although numerous phone calls with Wells Fargo, the bank essentially refused to admit that first, they had the possession of the missing checks, and second, they hold the responsibility of the missing checks secured in their ATM despite the fact that one, they provided the adjustment after the machine malfunction and two, they were able to confirm some checks from that deposit.

On 12-21-2011, I made two transactions, for paying bills. The first transaction I was made to to Sprint , and the second transaction was to DirecTV. I got online and then made a purchase to Venus.com, then I went online to Toys R Us, and attempted to make a purchase. My card was declined 3 times. I went online to check my funds, and the amount was available. I placed a call to the merchant to see what the problem was, and they advised me to call my bank. I called my bank and spoke to a rep who stated Wells Fargo had placed a hold on my card, because of the holiday season, in which, they gave no notification that would take place.

I always make the same type of purchases on my account. I spoke with the Wells Fargo rep, and she transferred the call over to the debit card reversal department, in which I spoke with a rep who explained to me why Wells Fargo placed that hold, and she assured me that the hold would be released today, so before I even let the rep off of the line, I asked her to hold, so I could place the purchase, in which she also assured me that my card had not been charged, because all payments were declined.

I attempted for the fourth time, while the rep was still online, to place that purchase, and the card was declined again for the fourth time. The rep advised me to wait about 5 minutes, to give the system time to reset itself, then placed the purchase again, so that is what I did. After the purchase was made, I went online to check my statement, and my account was charged twice by the merchant, when it should have only been charged once. I called the merchant to get funds reversed, in which they did. I then called Wells Fargo to explain what had happened, and they told me to have the merchant give them a call. I called the merchant, and asked them to give Wells Fargo a call to get the funds released. The rep explained to me that they didn't have that option, and there were no managers available at the time. They gave me a release number to give Wells Fargo, so that they could get the funds released back into my account.

Wells Fargo refused to take the release number to get funds placed back into my account, and said that the merchant would need to give a call. I spoke with at least 6 reps over at Well Fargo, and no one would assist me to get my account back to positive. They flat out refused to help me. When I explained to the Wells Fargo manager over in the reversal department that another one of their reps reassured me that my acct would not be charged more than once, he replied he was sorry for that, but there was still nothing that he could do for me. I blame this situation on Wells Fargo, because they should have never placed the hold on my card without my knowledge, and also the rep should have never reassured me that my account wouldn't be charged more than once.

If I was aware that this was going to take place, I would not have attempted to submit the card for the fifth time. I would have just waited, and this whole situation would have been avoided. Wells Fargo was rude and showed no consideration to me at all. My account was placed into the negative, and I was advised to wait 3 to 5 days before my funds would be placed back into my account.

Had a hail storm, caused damage to my roof, called Wells Fargo to make arrangements to get an extension so that I could pay deductible on my roof. In three weeks period of time, I received an average of 10-15 phone calls per day from these people using various numbers...relentless! !

My health insurance company, Blue Cross Keystone East, sent me a notice for a check they sent me as refund for their overcharges over my fees. I never received the check so I opted for them to resend a check. The check was in the amount of $11.17. They sent me a replacement and I cashed it. They sent another check in the mail and it looked like another refund, looking exactly like the first one and no notice that this was an old check to be discarded. The check was retracted after being cashed and it bounced charging me $35 Overdraft Fee, $12 Bounced Check Fee and a total of the overdraft fee for making my account negative was $54 charged to my credit card with this account.

I went to the bank, spent hours on the phone, only to have a customer service representative at the bank explain to me that I need a note from the company highlighting their error and they can refund the full amount. I had to wait for said letter in the mail and when I get it, the customer service representative tells me the manager refunded half because I didn't provide a letter and I could no longer revisit the issue. When I told the bank manager, he said he can't revisit the issue as the 1/2 refund was already distributed and they were doing me a favor.

I've been with Wells Fargo, Wachovia for 10 years and have a credit card account. When I told him I would close the account, if this wasn't resolved, he said good luck and if that's what I have to do. Then I asked him for his manager's name and he said he can't divulge that information. In a people and customer centric business, how do you treat people like that?

Here is what happened few weeks ago. I received a letter saying that my account was closed because I deposited a check for $200.00 and the account was closed. Let me explain, a person who owned me money gave me the check $200.00 but I don't have any association whatsoever with this person. Don't know what was the real intentions of this person. My question to you guys is this: 1) Why Wells Fargo closed my checking account since I didn't know nothing about this closed checking account? 2) Is this something that will affect my credit report? (fico) If is so, what can I do? 3) Can I ask Wells Fargo bank re-open my account, since it was not my fault at all? Thank you so much!

Wells Fargo has a policy to charge check holders $7.50 to cash business checks. I had a reimbursement check from my job for $301.89. The charge amounts to a 2.48% charge to get my money from their bank. No I don't have a Wells Fargo account. I was told by my employer the $7.50 charge can be optional and the teller can waive the fee. The teller said only the manager can waive the fee. No manager on duty. When my work called, they said the manager will be gone for two days.

I had to go to another bank to cash the check because I think it is rape to pay $7.50 to cash a check written and drawn from the same bank. 2.48% charge to cash a Wells Fargo check at Wells Fargo. I feel they are stealing from the public!

I put $30,000.00 in an account and told the bank this money is not to be touched. It's been sitting a whole year. I noticed a couple months ago that money walking out of the account. I went to see the manager Ed **. He said he would fix the matter and get my money back. He lied. Money is missing out of two accounts and it's a shame: Wells Fargo is stealing my money. All I want is my money so I can take my funds elsewhere. The past three months I've had nothing but problems with this bank. I want all of my money back and my complaint on file. I need help.

Bank garnishment fiasco.

I recently had my bank account frozen and assets taken from my account. Sure, this is my fault ultimately; however, the follow up actions of Wells Fargo (or lack of action) is far from my fault.

1. To get a hold of 'legal' it takes an average of 40 minutes. If your call drops, you must start over. When you do get a person, they refuse to take your number should the call get disconnected. I literally spent three straight hours on the phone trying to get less than 10 minutes of service.

2. The information concerning your account, the legal action, and how that is being handled is not clear nor helpful.

3. There should be a concise set of rules and/or steps that the bank takes that can be shared and explained to the customer in terms of how their money is being taken and how that money is distributed. None of this happened with my case.

4. The attorney handling my case told me not once but twice that Wells Fargo called them and told them they would not being paying them as I did not have the funds to settle the agreement. This is and was patently false. When I finally reached legal for the 4th time I was told that they never said that and had no idea what the attorney was talking about.

5. I was informed that they sent the cut check of my funds directly to the court indicated in the case. However, the court does not accept these funds and will simply have to send the money back to Wells Fargo. How is it that legal does not know how to do this? Did this so-called legal department call the court house to confirm? Did legal call the attorney to confirm? No I do not believe they did.

6. My money is now in limbo. The cost to me? An extra $100 charge from Wells Fargo that apparently pays for their ** legal department. I will likely settle with this account before the missing money is recovered and will have to wait again to get that money back from the creditor handling the case.

7. Wells Fargo does not have a transparent means of making a complaint or speaking to someone higher up that can help manage issues such as these.

There is possible further legal action from the creditor. My agreement with the creditor could be null and void as they are not receiving their money as they should be. I am at risk of having my account refrozen and the payment plan I worked out scratched. For what? Because Wells Fargo is incompetent and unable to do their job and communicate with their customers. All of this puts me at risk of further financial hardship. Wells Fargo could have handled this properly by making the extra effort to verify proper procedure for this case.

I'm a landlord that had tenants pay with a cashier's check from Wells Fargo. Then they stiffed me by reporting the check "lost" after I had already cashed it. Then my bank pulled the funds out of my account a week later when they found out W.F. wasn't going to honor the check even though they are legally required to per UCC 3-411. Because they claim to have an affidavit from buyers, that let them off the hook. But they won't release it to anyone but a lawyer. Now I have to hire a lawyer out of pocket. Meanwhile, I have NSF fees and mortgages that are not going to get paid because I don't have this money, which was over 2k.

My house was in the process of being foreclosed on. I was advised to mail in $13,875.15 to Brock and Scott, the attorneys representing Wells Fargo. I was told $12,512 was for Wells Fargo and $1,363.00 was for legal fees. In the interest of reinstating my loan, I mailed in the full amount of $13,875.15. I eventually found out from Brock and Scott that the original legal fees quoted to me turned out to be far less than expected. Wells Fargo was only charged $562.00 by Brock and Scott. If you subtract $562.00 from $1,363.00, this leaves $801.00. I have made over 10 calls to Wells Fargo in the hopes of having my overage refunded. I've been given the run-around beyond belief. I have been transferred, placed on hold for long periods of time, hung up on, told I would receive calls back that never came, etc.

I was delighted to know that I had a refund. It's heartbreaking to know that is Christmas around the corner and I won't have access to funds that are legally mine. This will not be a good Christmas for my children.

Wells Fargo sent their appraiser who in turn did not use the local comp, which in his opinion lowered the appraised value of our home by $10,000. We were within a week of closing and signing papers. This in turn if the deal goes through will shortchange our ability to fund our next home. If this "lowballing" is another acceptable bank practice, it's one practice that needs to stop, especially this late in the process.

In May of 2011, I attempted to make a settlement on a visa credit card that I owed 700 dollars to. The settlement was for 500 dollars. I had dealt with a Wells Fargo banker who said to me that the settlement was done and it was going on my record as a settlement. A month after this was done, I started receiving calls and getting letters that I owe 200 plus dollars on the same visa. When I spoke to another banker, they told me the settlement didn't go through and it doesn't show on their records why I owe them money.

By procedure they are supposed to notify that the settlement was rejected and return you your money. They didn't do either. I have been harassed with calls and letters to finish paying off the remainder of the balance. I am now in a 400 dollar debt with Wells Fargo. I am currently unemployed with no way of being able to pay the last money I had as for the settlement.

When applying for a loan, Wells Fargo sent our credit scores, and entire loan application info (salary, SSN, bank account numbers, etc) to another party. They also insisted all our transactions be done by email, which included our SSN, and bank account numbers. I protested, but they insisted. Once sent, I received an email stating that the site is not secure, and not to send important info through that site. After acknowledging their mistakes, they said they would give us fraud protection for 1 year, but now, will not respond to us to honor that either. The rep we dealt with was also not honest in his correspondence.

In early October 2011, Wells Fargo's fraud department called to verify some checks that had come in on my account. Four fake checks, totaling $2000 had been processed before WF called me. With the fifth check, they finally noticed something was wrong. Long story short, someone went to the trouble of having phony checks printed with my checking account number. One of the checks even had my signature on it, although I'd never seen the check before. The WF agent said what had caught their attention was the fact that the fake checks were out of sequence, i.e. our real checks were numbered in the 8000s, while the fake checks were in the 9000s. Duh. The agent said we had to close both checking and savings accounts and open new ones. I had to go into the branch to do this.

The person who handled this for me, as it turned out, was new, and he didn't know half of what he was doing. We closed the existing accounts and opened new ones. We had what WF calls a PMA account. All of our services were rolled into one huge account; 2 checking, savings, mortgage and line of credit. Although the guy opened a whole new PMA account for us, he also opened "interim" accounts for our checking and savings. Interim accounts are accounts WF opens to cover any outstanding checks or payments coming into the old existing account. Those items would automatically roll over to the interim account and be paid from that. Sounds crazy, I know, but that's what he did.

Instead of typing all the gory details, I'll just list the errors WF made during this fraud incident.

1. Interim account for outstanding checks/payments was set up, even after I told the agent there was nothing outstanding.

2. We'd had our mortgage taken from our checking account automatically every month, and the agent asked if I still wanted that. I did. I also received a letter from WF confirming that starting 11/4/2011, they would be deducting the payments from our checking acct.

On 11/18, when I logged into my online accounts, I was greeted with big, red letters saying, "Your mortgage is now 18 days past due. Please call our office immediately." I didn't call anyone. I went straight to the branch office and talked with a manager. He told me not to worry, that the late fees would be reversed, and that our payment would not be considered late because it was the bank's error. I had him call the person responsible for submitting late payment names to the credit reporting agencies. He did, and she assured him that because those names weren't submitted until the end of the month, and because it was the bank's error, our name would not be on the list. I'm still waiting to see if, in fact, our names were turned in as late payers.

3. The money taken from our account was to be reimbursed, but it would take a minimum of 6 weeks before an agent could even call the department responsible for the reimbursement.

4. When the checks were ordered for the new account, the check numbers started at 101. The day they arrived, I tried to write a check at Safeway for groceries. The cashier said they weren't allowed to accept any checks lower than number 105. There was a WF branch in the store, so I went there to cash my check.

5. As soon as our new debit cards arrived, we had them authorized, and were told we could start using them immediately. I tried to use the card at Costco, only to be told my PIN was invalid. We tried it over and over. Of course, there was a long line of customers waiting behind me, listening to everything going on.

I moved aside and called WF. They said there was no error on their end, and that the problem was with Costco. I went to the manager and asked him to try my card at a different register. He did, and it was still rejected. He suggested I try the Costco ATM. I did, same result. I asked the manager to please hold my shopping cart aside, and that I would be back within the hour with cash.

I had planned to go home to get my checkbook, but it occurred to me that the check I would be writing would only be number 102, and it could cause the same problem I had at Safeway the day before. Instead, I went to the branch. It turned out that our cards were not authorized, even though we were told they were. The agent ran it through a machine and assured me it would work. I tried it at the WF ATM just to be sure. Then I drove back to Costco to pay for my cartful of items.

6. After six weeks, we still didn't have our reimbursement, so I called the branch. The manager said he'd check on it and call me right back. When he called, he said there was no affidavit on file for my husband or me. There was no affidavit on file because no one ever told us we needed to file one! The manager said we should have been given affidavits when we opened the new accounts. We neither got them nor were they even mentioned before this. So the manager said my husband and I had to come in to the branch together to sign the affidavits, which we did. Interestingly enough, our reimbursement appeared in our account a few days later. We had waited almost two months because of a WF employee's error.

7. Our old PMA accounts were fee-free because our mortgage was tied to our checking account. The manager said the new PMAs were not fee-free, regardless of whether our mortgage was tied to checking. He said he was trying to get a lifetime waiver for the fees and hadn't been able to, thus far. He said what he could do was to reopen those mysterious interim accounts we'd had until I insisted that they be closed. For reasons we still don't understand, he said using those accounts would allow us the fee-free account again. I told him no, that we didn't want to have to order even more new checks and debit cards. He said, "Yes, but they're free!" I said no thank you and told him to keep working on the new PMA account fees.

When I explained to my husband what the manager offered us, we agreed that it was time to leave WF, regardless of whether the manager could get the lifetime waiver of fees. I started researching credit unions for a place to move our accounts.

8. Early this week, the manager called to say he unfortunately, wasn't able to get the waiver, and that we would be charged fees.

Here's what's wrong with that. I've had accounts with WF since I moved to CA in 1984. When I owned a small business in the mid-2000s, all my business accounts were also with WF. In 27 years, we've had no overdrawn checks or late payments. Aren't we exactly the type of customers banks want? Obviously not to WF.

9. The credit union accounts are now up and running. As I was setting up auto-pay for our mortgage, I was asked for the physical address of our WF mortgage holder. Since we'd never mailed a payment and I couldn't find the address on their website, I called their mortgage department. When I asked for their mailing address, the agent asked why I would be mailing payments. I explained that they would no longer be paid from a WF checking account, and that I needed all the info for our new credit union accounts. She asked if I would tell her why we were moving our accounts. I told her it didn't matter at this point because we had new accounts.

She asked if there was anything she could do to keep us as customers. I told her it was too late, and that I'd been working with a manager at our branch who had already told me there was nothing more he could do. She said, "Yes, but sometimes it's better to get a second opinion." I again told her it was too late. WF had their chance and they blew it at every opportunity. She said, "You've been our customer for over 20 years. Are you sure there's nothing I can do to keep you with us?" I said thank you, but no.

For nearly three years, I have been making timely payments to Wells Fargo Dealer services without any delinquencies. I make my payment through my bank electronically every month and also receive a paper form bill through the mail. My last bill received reflected two months in arrears. Alarmed, I checked my bank account and noticed two unsuccessful payment attempts due to incorrect information used. My bank claimed a misinformation error created the situation. With the monies for my payments still in my account and anxious to bring my account current, I called Wells Fargo customer direct to make sure this discrepancy was corrected. After several attempts to get hold of a rep only to be put on hold and then having my call dropped, my wife made an attempt and was successful in speaking with a rep.

Her experience was dealing with a rude, condescending and belligerent rep who denied electronic payment and gave two options of payment through a cashiers check or going to a bill paying facility to pay the balance. My wife wanted to make three months of payments and was told she could only make two monthly payments and not three as requested. When my wife questioned there policy, they told her she was not on the account and I had to call. I called in and after a few attempts I was connected to an irate, disheveled and rude rep. I opted to send a cashiers check for two payments which was my max allowed according to the rep. The cashiers check was mailed to them on Dec 3rd and my account was brought up to date on Dec 6th via electronic payment which was verified by a rep that day as received.

I explained the reason for late payment and never questioned the late fees but the rep replied with an ignorant answer. Anyway relieved that I squared away my account and would not have to deal with rude and unprofessional reps anymore, I was at ease. I received a bill this week not reflecting the payments which was understandable considering the timeline and a due date of 12/23/2011. I had no concerns.

I woke up Thursday morning to realize my vehicle was gone. Thinking it was stolen, I called the cops and they informed me it was repossessed to my amazement. I called Wells Fargo and inquired how this could have happened and got a repeated response of you broke your contract no matter what I asked and even when he acknowledged payment he still ranted in a degrading manner. Finally he gave different # to call and after going through three delusional reps, I finally got to a rep who informed me that my payment by mail is in processing and may take a day and I would receive a call back which never happened.

Today I spent an hour on the phone going around in circles only to find out that because they reposed my vehicle, my cashiers check would have to be sent to a new address because my status had changed? After a time on the phone with no explanation why I was not informed of a repo in any form of communication and my bill never reflected such intentions and a date of 12/23/2011 for payment due even though I fulfilled my financial obligation already. I was told I would receive a call before 6PM this evening to sort the issue out, obviously this never happened and I still don't have my car or will they tell me where it is. I am in shock and devastated by this ordeal and lack of urgency by these people.

They got my money and still took my car and showed no remorse instead were cocky, ignorant and totally unprofessional. Need some advice here. I don't know where to turn.

They are robo-calling my cellphone number several times a day without my request to track down another member of my family. I have called them several times and asked them to cease and desist, but they keep calling.

Today, I called and spoke to someone named Maria who refused to give me her last name or operator number. I told her that I was filing a complaint, and she told me that I better tell my relative to call them back. These calls are being charged to my cellphone which is costing me money for something I am not responsible for. I want it to stop.

I am dissatisfied as Wells Fargo found for the company charging me and never considered the fact that I was billed twice during the same time period for the same service. Although Wells Fargo sent me copies of the replies from Another Friend, they never sent me any copies of my requests for the company to be blocked after the initial invalid charge. Subsequently, more charges ensued while I was traveling necessitating overseas calls and constant surveillance of my account by me.

My complaint is Wells Fargo does not want to help people in financial stress. They say they will modify your loan but come up with unrealistic excuses why they can't modify you. They are very rude to you on the phone and don't return your phone calls. I've tried for 6 months to get my equity loan modified. I'm done begging. They give me no choice but to file bankruptcy. The government bails them out and they don't modify loans like they should so people don't lose their homes.

I hate this bank with a passion. I can't believe they can gets away with this. What is our country coming to. Someone or something needs to get control of these banks. It's not right! Can anybody help me?

I have a loan through Wells Fargo Financial, a Home Projects Card (retail card) to finance a new air conditioner. The payments are due 20th of month. My social security check comes every 3rd Wednesday of month and sometime falls on the 21st. I had to make the monthly payment on the 21st and was charged $25 late fee. The next month, I made my usual payment on the due date but was charged another $35 because I didn't pay the $25 late fee from the following month.

I called them to see if they could work with me about changing the due date and waiving the fees but the reps you talk to can only give you limited info because no one can contact a live person who actually works at Wells Fargo Financial. Even though you call the number on your statement you are not actually getting someone from WF Financial, just general customer service. Customer Service told me they do not change due dates and there are no "grace periods" for payments. Asked for a supervisor who told me that I could send a fax to WF Financial to see if they would try to work with me.

My account was recently transferred from Wachovia to Wells Fargo and I was told of no changes to our account. However, I found out there were new fees associated to my no changes account. How do you find out you will be charged fees with Wells Fargo? I received no notification at all. All of this has been explained to one of their "customer service" representatives. They basically admitted it all and said they do not care about what is fair.

Today you're getting a very fair and outside opinion. I'm an F.B.I. informant. There have been many rumors in my sector of peoples about Wells Fargo buying out CB&T of Columbus, GA. It's been talked about now for a year or so. I wish y'all would go ahead and buy them out and get it over with. Y'all should get the bank pretty cheap right now. They've been robbed about 10 or so times in the past 2 or so years and they've closed up branches in AL and GA. Everyone knows some bank robberies are because of personal issues sometimes between cities and states. Wells Fargo is doing good right now in Columbus, GA.

I've had no complaints from to me personally about y'all, and believe me being an F.B.I. informant I get some of all kinds of complaints. So I'm telling y'all the truth! But I wish y'all would quit teasing me and go ahead and buy them out. Now is one of the best times they've closed up branches, almost like in a retreat formation from the territory they were in! I personally know that now or within the next year or so would be the best time to buy while they're recovering from the pull back of lost territory! Have a good day!

Wachovia was taken over by Wells Fargo. Wachovia customers were promised a smooth transition and no problems. Wells Fargo never sent me a new debit card and my Wachovia debit card was lost or stolen and over $800.00 in charges, even more charges after I reported the problem to Wells Fargo. They denied and will not reimburse me. They told me to file a police report or get a lawyer. This is horrible. Is there anything I can do? It's the holiday season and a terrible time to lose money so unfairly.

Kyle **, at the N. Division Wells-Fargo, is a genuinely nice guy who got me to sign up with WFMS back in June. To his credit, he isn't the goat in this situation, and is actually trying to help us find out why, though we signed a "no monthly fee" agreement, at 1.79% on approved cards and 2.39% on the rest (which is what we've found about 90% of them to be). I've been tracking our percentage rate over the past couple of months and was distressed to see that in September 2011 it had mysteriously climbed up to almost 4%, and was blown away when it hit 5.14% in October.

I emailed Leonard ** at the WFMS headquarters in MD a week ago, but not surprisingly, I've heard nothing back at all. The silence from these mega-corp fraudsters is deafening, and it's pretty hard to get any justice when they do screw you. They have all these contracts, and somewhere, somehow, you probably electronically or physically signed one, you poor **, and now you're stuck for 3 years of account pilfering by some of the worst merchant services companies in the world (which also will include Eliot Management Group and all affiliated companies - actually, they are even worse, if you can imagine that).

So, what to do. Short term, we own and operate a very legitimate business to business website that sells various marketing materials to businesses. We're offering a 2% cash discount to our clients who pay in advance (which most do anyway) with a check. That has cost W-F over $750 in the past month. If they simply do what they contracted to do, they'd have made $500 instead of the $258 that actually made it into their account.

Mid-term: If Mr. Kyle ** is unable to bring some resolution to this issue, I'll contact the WA State Attorney General's Office and file a complaint. I don't know what good this does, but maybe if there's enough smoke, they suspect a fire and investigate these crooks. BTW, I do love my daily account notifications from WF for our regular business banking, and I am befuddled by the fact that they're the only bank in our area that does this. This makes it so, if a fraudulent charge occurs in my account, I can attack it immediately. Unfortunately, they also have access to the account and make their withdrawals of funds well above our agreement.

I'm now faced with a conundrum. I can quickly close my W-F accounts and withdraw any and all funds to a new bank (costly) but I may lose merchant service access if I do this. These people have a way of putting the squeeze on you if you retaliate in any way, which includes closing bank accounts. I don't know if I'd get blacklisted by Visa/MC/AmEx if I did something like that or not. Any advice on this forum is welcome, and I'd be happy to join any class action suit, but that's a band-aid on a hemorrhage, as the corruption in many of the major US corps runs so deep as to be pretty frightening, and the attorneys tend to be the only ones who really get anything out of these lawsuits. Now if we could lump all of the fraudulent corps into one big lawsuit, that might be interesting and I might get some real "moolah" back into my bank account.

According to the Federal Reserve website, you can purchase I Bonds from any Federal Bank, except Wells Fargo? Wells Fargo refused my I Bond form & my check for $5,000 and said I was taking up too much time and that I have to pay for the bond in cash. I have been purchasing these bonds at banks for years. Wells Fargo has their own rules? I went across the street to Union Bank & made the I Bond purchase. What is wrong with Wells Fargo? Aren't the rules the same for all banks. Worst bank in the USA.

During my first time at Wells Fargo, I tried to cash a check issued from them and they told me that there would be a fee of seven dollars to cash or to open an account. I opted to open an account to save the money; every penny counts, right? So the girl is putting in my information then she asked for my social, it comes back that I'm dead. I had all my information but they couldn't do anything. I asked them where they get their information from and she told me that all the banks use the same sources to get their information for new accounts. I told her that I didn't believe that.

So, how does a dead man have three other bank accounts, BOA checking, savings and another bank; of course she couldn't answer. I asked her to waive the fee and she said that she can't do that. So I got taken and I should have walked out. I'm pissed at them.

We have applied our loan closing with so called James ** and that was 6 weeks ago. He told he will be able to close by the date we asked him, but then dumber told us a day before the closing that it will not be possible to close.

I switched from a horrible local bank. It had cost me $1200 by not being able to block transactions from a fraudulent merchant services company, Eliot Management Group, because they send an email daily updating my transactions. I love, love, love that service! 4 months after I started using WF for my business checking and savings, I decided to sign up for their merchant services. I negotiated a $0 monthly fee and a 1.79% processing fee per order. And liked the fact that when I run a card, the money is in my account the next day. It's a huge improvement over Federated Payments, our previous processor.

I did hold my nose and sign a 3 year contract with them, assuming that because they'd given good service to this point that their processing would also be good. Well, their processing is good. However, after analyzing my October 2011 statement, that 1.79% has somehow morphed to 5.14%! This doesn't include the $31.00 monthly fee we also pay to Authorize.net. But we knew of that fee going into the arrangement, but that would likely push our transaction fees close to 5.5%! We run some substantial transactions across our books. I have started offering a 2% discount to pre-pay by check. And they can ship me the check overnight on our FedEx account to avoid running credit cards across our WF merchant account.

I have filed a complaint with Leonard **, a manager in the WF Merchant Services Division. But after 24 hours, I've received no reply. I'll give him until next week to respond. At this point, I don't have any idea what recourse I have. I like the service and we've been treated well at the bank for the most part. But for them to be running close to 4% higher than they originally stated is unethical at best. And if I were to charge these kinds of fees, I'd be thrown in jail for loan-sharking. If anyone has any great suggestions, I'm all ears. Note to attorneys: I don't have the funds to sue. We're barely hanging on to the little we have as it is.

I have had a Wells Fargo savings, checking, and credit card since 2010. My parents have had accounts for over 10 years. The reason I chose to place my money and trust in Wells Fargo is because my parents had nothing but good things to say about their customer service. Well, because of recent events, I will soon be taking my accounts elsewhere and speaking with my parents about doing the same.

On September 27, 2011, I cashed in savings bonds in order to pay down my Sallie Mae loan. I went to the Lemon Grove Branch (#0073290) to cash in my bonds. The teller cashed in the 6 bonds I had brought in. She totaled the amount to be $2092.60. She gave me an itemized receipt for tax purposes. The receipt listed each bond with the issue date, face value, interest, and current value. I then sent in the amount I received to Sallie Mae. On November 17, 2011, I checked my account via online and saw that my savings account had a balance of -149.18. I am very diligent about my account and was horrified to see a negative balance. I called customer service and was told that because the debit of $274.20 was pending, there was no information regarding why the money was being taken out of my account. The next day the debit cleared and I still was unsure why the money had been debited. I filed a claim. It turns out that when the teller cashed in my bonds on September 27, 2011, she inadvertently valued one of the bonds at $684.00 when it was reportedly suppose to only have been valued at $409.80. I was never alerted to the error until almost two months later, when my account was debited for the difference ($274.20).

The only way Wells Fargo has tried to appease me is to tell me the overdraft fee of $35 would be credited, but that the error amount would stand. Given that I did not have enough money in that particular account to the cover the $274.20, customer service stated that I was to pay back my overdraft of $149.18 by December 8, 2011. I do not feel that I should be penalized with an overdraft charge or the amount of the difference of the actual worth of the bond. The teller made an error. My tax receipt does not show any identifying information about the teller. I am extremely distraught over the issue. I work hard to earn the minimal amount of money I do earn while trying to pay back an education loan. I have a Wells Fargo credit card that recently had the limit increased. I am a worthy customer. I use to feel like a valued customer. I do not anymore.

I am requesting an investigation. I am requesting my account be credited for the entire amount that was deducted, $274.20. I am also requesting to have the overdraft fees credited.

I will be closing my accounts. My trust in Wells Fargo is no longer. I will reiterate this issue with my parents and encourage them to change financial institutions as well. I will not speak highly of Wells Fargo in any conversation. I am extremely disappointed that I was offered nothing but a credit of $35 for an overdraft fee and an insistent statement for me to payback the money that was not my fault. Again, it was a teller error and a bank error that I should not have to be penalized for nor bear the cost. If this issue cannot be resolved by the board, I will not hesitate to speak to local media and initiate a claim with small claims court, if only to advertise the lack of concern and customer service Wells Fargo has shown me.

I have had an auto loan through WF since March 2011, in which my mother is cosigner. I signed up for automatic withdrawal for this account. So every month, I would be charged $165.10 automatically, every month on the 4th. I thought this is cool as it's paperless, and I won't have to write checks. This was the first car that I have ever purchased from the dealer. The grand total cost is $5888.25. So, I set up a 5-year loan because I worked a very low paying job. I purchased insurance through American Family Insurance, which I cancelled in July due to their poor service.

It is a whole separate, equally frustrating ordeal. Well months later, on Nov. 18, my mother texted me at 6 am. She told me that WF Auto Finance has been calling her nonstop and asked me if I have made a payment on my car, and to fix it, now (she was obviously angry with me, not WF). I told her that it was impossible for me to miss the payment, since I had "auto-pay" on that account and well over the payment amount in my account. She was frustrated and told me I better make sure the payment came out.

Auto-pay is a very normal part of my life. And I use online banking and don't receive paper statements anymore. Plus, I always have enough money in my account for bills. So, I rarely check my account history. To my dismay, I had found that on Nov. 4th, no payment was deducted from my account for WF Auto Finance, in any amount. At this point, I needed to calm myself, maybe I did something wrong. I found no evidence of any mistake of my own. I looked under alerts; there was nothing. I called my mother back, about 2 hours ago today. I explained to her what I knew about the situation. She told me that she had just gotten off the phone with WF again. She explained that they have been calling her all day today, in 10 minute intervals. She told them to call me. They said they didn't have my number. My mother gave it to them, explaining that I had given them all of this information already. They should have it on file. My mother told me to call them instead of waiting and gave me the number.

I called WF Auto Finance at exactly 3:04 pm today, Saturday November 19, 2011, exactly 3 minutes after my mother received the most recent call from WF. The line rang once. Then, an automated voice told me the business hours. It was followed by a very high pitched one tone beep that lasted until I hung up seconds later. Apparently, business hours on Saturdays are 8am-3pm. If they hung up with my mother at 3:01 pm, they were still in the office at 3:04 pm and were too lazy to answer the phone. I don't know what their phone ethics are. But at every job I have ever held, we were still answering calls up to 15 minutes after we closed, not 4.

Anyway, I went back online and got the online help number and called. I'll give some background first, because I have been having troubles with WF for a while now. When I set up the loan account, I was told by the personal banker, who set up my loan in the first place, that I would be able to view this account online. Long story short, I was never able to or really cared about seeing it. A few months later, my fianc and I set up a joint account, which I was supposed to be able to view online. I couldn't. This one I cared about, which is also another long complaint.

Anyway, I called the line and asked if she could fix my online account so I can view all of my accounts. 2 seconds later, I paid my auto loan and I can view all of my accounts. It took me 2 months of arguing with different CSRs to finally view my joint account. I called my mother back and told her that it's all figured out except while I was talking to her on the phone, I noticed some imperfections on my account: WF tacked on a "$39 late fee" on the 13th of Nov. WF tacked on a "$508 fee" in Oct, $39 "other fee" in June, and $39 late fee in May. So instead of having $1200 less to pay off my balance from the course of paying on time every month, it appears that I have only actually paid about $140 off of my loan.

What I don't understand: Why did I get charged a late fee in May? Why did I receive an "other" fee? What is an "other" fee? Why did I get charged a fee of over $500? Why did I get a late fee this month? I have paid my bill every month on time. I am sure of it. This month WF decided "Hey let's not take her payment this month, instead, because we are short on cash due to all of our lawsuits. Let's wait to take it out next month so we can charge a late fee, and make an easy buck." I want to know what these fees are, why I am getting them, and who is responsible for them. I want all those fees to be reversed, and no future problems.

Well, I now know that while you are a Wells Fargo customer and you experience debit and bank account fraud, no thorough investigation gets done and you are not entitled to get your stolen funds back. On 10-07-11, while I was checking on some suspicious account activity, I discovered that my ex-fiance fraudulently made charges from my account since March of this year. When Wells Fargo took over Wachovia this summer, I never received bank statements. Now I know I should've checked on my account sooner, but I had no computer to set up online banking until now. I filed a police report. Wells Fargo never asked for my police report. I live in Florida; there were some charges made up in Illinois, but on the same day I myself used my card. I cannot be in two places at once, so that should be a red flag.

I spoke with personnel from the fraud department on 11-17-11 and was told that this matter was a "friendly fraud" but I was not getting my money back. Basically, the impression is that Wells Fargo condones fraud. The Attorney General will here about this.

We called to set up a payment date for our mortgage. Instead of honoring the payment date we set up,which is on November 11, 2011, Wells Fargo debited our account 9 days early, on November 2, 2011. This caused our account to become overdrawn, and we incurred $228.00 in NSF charges. After many phone calls, and virtually no help from Wells Fargo, they refunded the initial amount of our mortgage payment.

We faxed bank statements to their written correspondence area, detailing the NSF charges on Friday, November 4th, 2011. We were told a few different stories varying from, we will receive a check in the mail in 7 to 10 days, to they will, upon receipt of the needed information, electronically transfer the amount of NSF charges back to our account. In either case, we were told by representatives of Wells Fargo that legally, they had to do this within 10 days.

Today is November 17th. We are still calling and being transferred from one uninformed person, to another, and have not received any refund of said charges. We have had to order stop payments on bills, and incur charges for those, due to the amount not being refunded to us. We never asked for anything more than what was ours. They lied to us, broke a fiduciary agreement with us, and caused us weeks of stress, and embarrassment. I do not believe they will ever refund our money.

I overall like Wells Fargo until today. I often go overdrawn, and often make late payments, and Wells is very fair about charging me and my payments. But today I was flabbergasted at the situation that happened. I was short on my rent so I spoke with a friend about getting a loan. When I understood my loan would come in on Tuesday, I issued a check on Monday to my landlord for rent; knowing that my account would be overdrawn. However, I had already received a pay or quit notice and needed to get the funds out. Unfortunately, Wells Fargo bounced my check when in the past they had allowed me to be negative and then the next business day reverse the transaction if funds were not deposited. So, knowing that my check had already bounced at the bank, once off work, I went to the local Wells Fargo to request a cashier's check. Because I know that once someone bounces a check on me, I would only accept a bounced check.

I got off late and rushed to the nearest Wells Fargo. It was about 6:30 pm so I went into the Ralphs (Kroger) and requested a cashier's check. The banker asked me to scan my debit card and enter my pin no. I first requested the banker to reverse the check transaction that had been bounced earlier. The banker said no. I then requested a cashier's check. After I waited a few minutes, the banker requested my ID. I had to go back to the car and grab it so I left the window for a second and came back. When I got back, the banker told me that the funds had not cleared yet. She would have to verify the funds had been cleared. I couldn't understand this.

My friend had loaned me the money by entering another Wells Fargo and depositing cash. I explained that to her and she said she saw the same thing on her screen. But she couldn't do anything. I almost lost my mind right there on the spot. The manager came over and said the same thing that the funds would have to be verified. Funds which were deposited in cash and had already posted on my available balance. I went outside to get my phone to call the 800 number. When I got back in, the branch had closed and no one was any longer there. The branch was closed for the day

We are replying to the summons we received Monday, October 17, 2011 at 9:00 PM in the order of our defense to the charged lawsuit. Since our last communication with Wells Fargo Financial National Bank, through their attorney Douglas **, INC.P.S, back on April 18, 2011, the plaintiff sent out the revised Stipulated Judgment that was posted marked back on April 20, 2011 so the plaintiff cant even remember when he sent out things (evidence is attached). We signed and mailed the plaintiffs copy out on April 26, 2011 in the prepaid envelop, that the plaintiff supplied. So if the plaintiff and his client want to go back on what was agreed upon, that is morally and ethically wrong?

We currently agreed to make $50 payments at 2.3% APR in bi-weekly payments of $25, and we have been faithful to this day on the agreement, and now the plaintiff and his client, are going against their word. In addition, we have not heard from plaintiff and his client since April, that is real sad and not a way to run a business. No wonder the suicide rate is so high, and it's not because of an individual being on drugs, it's because of one's financial hardship and the plaintiffs clients institution. So one must think about commenting suicide, if one does not want to work out an issue with the other, and stand by in what they have accepted. Remember we feel that the plaintiffs client could have done all this without the plaintiff, but on the other hand they couldn't find me till I said the word suicide.

As we stated back on Thursday, 3 March 2011 to the plaintiff, that my wife and I were in awe over of all this. The plaintiff referred to a Wells Fargo Financial National Bank account # xxxx-xxxx-6739. We do have a Wells Fargo Financial National Bank account, but the account # xx-xxx3-3192 and are still currently paying on this account through our bank. The plaintiff said their client changed the account number back in early 2009, but could not give us the date. Our last hard copy of a billing statement was for the billing cycle of January 16, 2009 (evidence is attached), then we went through E-pay to pay the account# xx-xxx3-3192 through our bank the following month; due to Sterling Savings changing their computer system over back in October of 2010, I was just able to submit what had been paid before then, but please see the current (evidence is attached).

The plaintiff stated that they changed our account number back in early 2009. If in doing so, our bank would have not been able to submit payment, since that account was changed over. Since then, we have not received, nor heard, nor received, a statement from Wells Fargo Financial National Bank, then back in September 2010 we heard from, attorney Douglas **, INC.P.S, about the claim to our account. To this day, we still have not received nor heard anything till this summons.

We have been paying faithfully on the account since we opened it, in September 2008 with Bathfitters. In addition, after looking into this matter a little further I stated to the plaintiff, I had notice that Wells Fargo Financial National Bank didn't even report to Wells Fargo Home Mortgage when we refinance our home back in October 2009, that they had a lien against our home through Bathfitters. When we opened up this account, to remodel our bathroom in September 2008, and in October 9, 2009, we refinanced our house, so there should have been a lien report on it at the time of refinancing.

Furthermore, I have to emphasize again, no one has contacted us except for the plaintiff, and the Pierce Court Systems. Almost three years later, you would think if there was a problem, they would have contacted us, either by phone or mail, we are not trying to hide anything. Our current balance owed back in January 2009 was $6,211.73. Like my wife said, we are in awe over this, because we have been paying Wells Fargo faithfully, and have not heard anything until the plaintiff's attorney sent us a letter, so one must have wondered is this is a scam.

Since we know this is not a scam, we needed to have Wells Fargo to work with us, not against us, since there was no communication. We still have not received a letter from Wells Fargo when our account number was changed back in 2009, but we are still making payments to account # xx-xxx3-3192. In addition, Wells Fargo has worked with us by dropping all the penalty charges, for example overcharges, late fees, in the Stipulation and Stipulated Judgment documents we sent back; as well, the plaintiff revised the Stipulation and Stipulated Judgment documents, when I found something that was misleading, morally and ethically wrong in the stipulated judgment in section 9; that attorneys' fees, cost' and other recovered amount bared an interest of 2.3%.

Our proposal and agreement was with his client, not their attorney. The plaintiff is just the middleman so he was misleading representation. We, the defendant found, know were in RCW 4.84.010. Does it state that the attorneys' fees are allowed to bear interest? So, the plaintiff deducted those interest charges.

We have done everything in our power to make ends meet, but unfortunately we have fallen short, like most families here in the United States, due to the current recession. Interest rates have increased on our credit cards, and we have additional medical bills exceeding over $7,500.00 (please see attached evidence of our actual monthly liabilities), show that we are in the red, -$168 per month.

Many are predicting that the current recession will end soon, maybe later this year, or next year, but I'm concerned it may take years. Since the plaintiff and his client want to go back on what was agreed upon in the revised Stipulation and Stipulated Judgment documents, this is morally and ethically wrong, and we have no choice but to file for an Order For Slow Pay Of Judgment, since Wells Fargo has reconsidered in assisting us, through this time an error. We have been working, in addition with our other creditors in lowering their interest rates, as well, and we have heard back from some of them, and they have all agreed in lowering their interest rate and payment. Since Wells Fargo no longer wants to help us in their time and error, we have decided to file for an Order For Slow Pay Of Judgment.

These grounds will come out during our hearing that is scheduled on Thursday, 17th of November, 2011 at 1:30 PM, upon the defendants motion to pay judgment by installments (slow pay motion), and the defendant(s) having shown good cause, that they are entitled to the relief sought; will be hereby then Ordered, Adjudged, and Decreed, that the judgment is commuted to installment payments, in the amount of $ 35, to be paid to the Pierce County District Court Clerk on the 15th day of each month, beginning on the 15th day of December, 2011, and further execution by garnishment is hereby stayed pending further orders of this Court.

The costs of this cause are taxed against the defendant(s), for which execution may issue.

When my wallet was stolen, I went in, and switched to a new checking account. I was unaware that the agent also signed me up for a savings program, where money would be moved from my checking to my savings account. One day, I noticed that my checking account was overdrawn for more than $150. My balance was previously low, but there was plenty of money to cover my transactions, until Wells Fargo moved my money to my savings account, and charged me overdraft fees, because after doing this, there was not enough money to cover my purchases. As per the usual, they also re-ordered the sequence of the transactions, in order to be able to charge me as many overdraft fees as possible.

My parents have been members for more than 25+ years. They write me checks all the time I walked in to cash one. A teller took my thumb print and proceeds to cash until Adriana ** says that the date is wrong. I say there is no mistake. I was with my dad in church yesterday and he put the wrong date. I ask her to call him to confirm the check. She refuses and tell me to leave the branch and that she could not help me. I stood there in disbelief and then she tells me, "Are you still here? Well, you need to leave."

My understanding is to verify the check like another manger has done before. Adriana refused and just told me to leave. I was very embarrassed and called my dad which was waiting like always for a call to verify the check he wrote me. So I left the branch and went out of my way to another branch where my dad met me just in case there was trouble again. We were both upset.

You can look up my parents to see how long they have been with Wells Fargo and for this to happen after all these years. I am still up set about the whole thing and so are they. Something needs to be done or someone needs to be talked to about customers and how the branch would like to keep these faithful ones esp. not to let other people know of worst experiences.

I had a check written to me from a friend who banks with Wells Fargo. When I went to cash this check, I was told I had to pay $7.50. I asked why, and the teller told me I did not have an account with them, so I had to pay or he was not going to cash the check. Since when do you get charged a fee when one of their customers writes a check to someone and in order to cash it at their bank, you get charged a fee? I hope the credit unions will be happy having so many new customers. I'm glad Wells Fargo is not my bank!

I have wrote Wells Fargo on their slow transaction on ATM deposits being processed. It's pending for long time and I am fed up. I even had to wait my cash ATM deposit for it to go through pending so i even got charged $35 for insufficient fund. I wrote numerous times to Wells Fargo and I called twice and emailed them 5 times and still nothing. Auto email kicks back and say "It confidential so we will send to you in your WellsFargo.com inbox but when I go to inbox there is nothing. I hate my bank now. Wells Fargo is terrible.

I opened a business account with them and since I did that, I decided to go through their merchant services which I really regret now. When I opened the merchant service account, it was the fees would be taken out of the account as the cards are ran but no, that's not what happened. They held onto the fees until our account was low and then hit it with one big lump sum and that is not what's supposed to happen. Not only did they do that, but they also did not inform me of all the hidden fees I would have to pay.

They kept putting on overdraft fees for the fees that they would run every time my account was low. I spoke with merchant services who informed me that it wasn't them doing that, it was the bank. I spoke with the customer service manager who told me it was merchant services who was doing that. I talked to merchant services again and told them that the agreement on how the funds would be deducted from my account was not being honored. They said that they were taking the fees out as the agreement stated as soon as the cards were ran then the fees were being deducted from the account and that the bank was paying them out and holding onto the fees themselves instead of taking it out of our account and then waiting until our account was low and hitting it with one large sum.

Now they also keep calling me with threats after I told them that I was disputing those charges and contacting the attorney general to investigate them because I know I am not the only small business that they are doing this to. After I closed the merchant account, they also continued to send me statements charging me fees for a merchant account that is no longer opened or in use. How is this, I asked them. Now after doing this to me three times and each time I would call and complain cause they would take all these fees from my account and overdraft fees that they also charged me on top of all of this, they would assure me that it wouldn't happen again but of course it would. After paying all these fees, they had the nerve to send me a statement claiming that they paid me back for all those fees which is an outright lie.

I do not have an account with this bank, but my company does. They charged $5.00 last week. Then, this week, they charged $7.50 and you have to stand in a different line until they get done with customers that have an account with them. It's not right because my company has an account with them. What's the deal? They told me that if I didn't like it, I can go somewhere else.

I took out a cash advance of $4000.00 at the Modesto Branch. The manager said the fee should be 3%. It was actually 5%. After questioning her about it, she said, "Well it's just business, the bank has to make money. " When I received my statement, they had charged $35.19 extra for cash advance interest, not including the $200 fee, when I had paid $6000.00 just 3 or 4 days after the cash advance.

They didn't process the payment until the 11th. They claimed that because I had paid the $6000 before the billing date that $0 would go toward the cash advance. They refused to adjust the payment to pay the higher interest charge first and were rude and antagonistic in the bank and online.

I spoke to Tom online on 11/12/11 and he was very rude, telling me that I should go ahead and complain because they were right and I was wrong (basic wording). I eventually had to pay off the card with another new card from my credit union. Their online customer service says different things from the bank branch management. I came to the conclusion that they were playing games to frustrate customers and not giving them any benefits.

Wells Fargo need to go back to basics as far as dealing with auto loan customers. I have never experienced such a wide range of unprofessional people. It takes them forever to update your file of their errors. My vehicle have wrongly been repossessed three times, costing me money that I didn't have.

We recently had our vehicle repossessed. When Wells Fargo called to locate the vehicle, we were very cooperative in telling them the location and non functioning condition the car was in. Upon being repossessed, we received a bill for "Aggregate Obligations" in the amount of $3,079.22 for fees. That just really seems like highway robbery to us. Can they legally charge us these astronomical dollars like this? I understand that they still would like the remaining balance on the loan, which we are willing to work with Wells Fargo on. But these fees are outrageous.

Wells Fargo is the loan company for the people buying our house. They held one document too long and delayed the first closing date. Then a new date was set, Wells Fargo sent the wrong packet. How incompetent!

This is costing us time and money. We have a moving truck loaded and costing money each day we have it. We had to turn in a truck we had paid for that we couldn't use once the closings were cancelled, not to mention food, lodging, and missed work!

I spoke to a rude lady in their Complaint Department. She was so rude. They are unwilling to help us in anyway because they say we are the sellers and not their customer. Guess again! We have a checking and savings with them and they hold our current mortgage. We are pulling our accounts with them today and posting to as many websites. They are rude and inefficient, and incompetence cannot be tolerated!

I had just got release from the VA hospital and was in great pain. I was trying to pay for my hotel room knowing I had at least 800.00 in my account this morning, my card would not work at the hotel. I then had to walk down the road to a ATM machine and it still did not work? After getting back to my room, after talking with 4 different clerks and being told they could do nothing to help me, I then had to take a bus 7 miles in major pain to a Wells fargo Bank.

I explained to the manager what the problem was and that it was a life and death problem, as the hotel wanted to remove me from the room 221 days in . I had to wait for the other bankers. A banker was given to me 15 minutes later. She just kept on asking me for different things that she knew I did not have in order to finish (all this this was not needed). I had to been there 45 min by now and not any closer to getting my account fixed. ll of this should have been done in 10 to 20 min, if this lazy manager would have helped me from the beginning.

I bent with these so called experts banker people and they just kept on stalling me ,so I got loud and demanded my money! This big fat manager came out yelling if I said any thing else she was calling the police (who the hell is she) to tell me to stop talking. As far as I'm concerned, she was trying to make me a homeless man stealing my money. So I was forced to remove all my money in order to pay my bills and have a place to stay. Why would they just give me all my money with the same items, but they could not help me when I just needed my accounts fixed to get 55.00? All of this took 4 1/2 hours?

I called customer service at approximately 5:00 pm on 11/8/2011 and spoke to a "Steve" as he refused to give me his last name I cannot provide it here. I explained that my account had been charged doubly for my monthly car payment as well as a couple of other credit card payments. I asked how this occurred. He explained that it was my fault in some detail. I explained what had occurred when I was asked to go in and verify my bill pay set up when the switchover occurred from Wachovia to Wells Fargo (WF). I explained that the dates were detailed on the page showing when a guarantor would receive payment based on my send date. I adjusted the dates to take into that account so I wouldn't be late on my payments. Therefore, I ended up double paying on my bills.

I asked him why he hadn't explained this step when he "told" me what I had actually done. He told me "rather importantly", that it was a manual modification that I chose to do. I explained that based on what I was seeing on the screen and the dates being displayed that I didn't think I had a choice. He was rude and condescending in his tone and manner. I explained that I would like his name and I wanted to close out my accounts if I couldn't count on WF not to double charge me. He refused to give me his name at all and told me that the call was being recorded. I said, "good - then you should understand good customer service and that is when a customer ask you something such as your name or to speak to your supervisor that you should comply."

He continued to run around in circles telling me that he would explain and answer my question. I said, "Okay, what is your name?" This went on for some time and to no avail. He finally buckled and told me his name was Steve. Again, I asked for his last name and/or his supervisor. He continued to circle around the question and was extremely rude. He finally told me he would get a supervisor, that took quite a bit of time.

A gentlemen came on and in a very deep tone said, something to the effect of, "Yes, can I help you?" I began to explain about the bill pay miss understanding and got only a couple of sentences in and I was cut off. The loud beeping in my ear was the signal that your organization has some very poor customer service. So this "Steve" was incredibly rude. I truly believe that the supervisor who did not give a name was a fake. I will be taking my business elsewhere as soon as I can. I am very disappointed in your organization and most importantly, in your shoddy customer service.

I went to Wells Fargo to deposit funds into an account for my niece who is attending college. According to the teller, a cash advance was required to process the request. My debit card was swiped (Non USAA account), whereby the funds were taken immediately. However, due to a printing issue, that was later explained to me by the branch manager. The teller could not complete the transaction. However, they told me to go get funds from the atm to complete process. The funds were taken out of my account, and Wells Fargo refuses to give them back, stating that it takes three to four days to process. My bank, USAA, asked why the teller didn't give me the funds when she processed the cash advance. In my mind, my funds were stolen and are being covered up by a process. Outside of my bank USAA, no one seems to care that I don't have my funds. I want my money back.

I am filing a customer as well as a consumer complaint against Wells Fargo Bank and the fraud department in particular. Beginning around the last of October 2011 - November 6, 2011, the New Hope Baptist Church was not able to access their account online. I was on the phone for over an hour at one time being transferred from one department to the next. I was asked a variety, some of the same questions by every person I spoke to and still no one could solve the problem. Every so called customer service representative had a different lie (not a story, but a lie). They begin by telling me how sorry they were over and over until I was just sick of it and still no solution to the problem. I was repeatedly interrogated over the phone and made to feel that I had done something wrong.

I was told that my so called security questions was not entered correctly then I was told I needed a pin number, then I was told there were some type of fraud on my account but was never told what. Are you getting my point? I have never in my entire life experienced such unprofessionalism from a financial institution in all my years of working at a bank, and never with such pointing the finger at the customer to make themselves sound somewhat intelligent. It's so unprofessional of Wells Fargo to allow an employee or employees to answer a phone and transfer a customer from one to another. No one should be transferred more than twice. Some serious training need to be done in the area of customer service. I was then told to go into a Wells Fargo branch to be Identified. I did as I was instructed to do after the customer service representatives were not capable of solving the issue. Every person I spoke with made this comment, "Sorry, I am not able to help you. I will need to transfer you."

On Thursday October 27, 2011, I visited the Wells Fargo branch located on 1101 North Main Street, Anderson South Carolina. I spoke with a gentleman by the name of Ryan ***, a very nice young man as well as very professional. He looked at the account and called again the customer service line. Listening to his part of the conversation taking place over the phone, he was pretty much told the same things a bunch of garbage that the security questions was entered wrong, I need a pin number, etc. He was then told to relay to me that everything had been taken care of and that the system was down but I just need to call them on Friday before I try to log in online because they, meaning the fraud department, were the only person who would be able take the lock off the account. I thanked Mr. *** and I told him before I left I bet I will need to come back to this bank again. He said they, being the person(s) with online customer service, assured me that I would not.

The next day, I again called the customer service line and the nightmare started all over again, with the same lies, and transferred again a million times with no solution. I was told again that I would need to go into a branch to be again identified. Give me a break. This phone conversation at this point was going downhill real fast and still no solutions. They pretty much were saying this was our entire fault which was not the case at all. New Hope Baptist Church never had a so call Pin Number to access any of our accounts. Only a user ID and password. No church in their right minds would give a congregation access to a pin number. I then went back into the same branch, spoke with Mr. *** and explained to him the same information all over again. Mr. *** was again very professional and finally with his knowledge was able to get them to walk through the process with him to assure him that before I left that branch that I would be able to assess my account. It's because of Mr. Ryan *** that I did not close out New Hope Baptist Church accounts that day. But we are still planning to close these accounts, as well as a news article in our local newspaper about the unprofessional handling of simple matter.

To sum this up, Wachovia converted to Wells Fargo due to the takeover. New Hope Baptist Church happens to be an old customer of Wachovia as well as a number of people who attend this church as well and several of them have also had serious issues with online services as well as you customer services department. Recent changes in leadership personnel led to a real downgrade in services. At this point, I will tell anyone to stay away from this bank and do yourself a favor, go to another bank that treats their customers like they should be treated. No one seems to understand the meaning of customer services or consumer. But if you decide to stay, make sure if you have a problem asked for Mr. Ryan *** at the *** Store located at ***. ***

After speaking with Diane of the Clementon branch, with the specifics of the issue, she advised me that I would have to take up the issue, of a reversal of bank fees I incurred with the bank, where I had opened my account. After which, I spoke with Denise at the branch in Wenonah (856-423-4000), where she had only agreed to reverse half the bank charges for an overdraft, that would not have occurred If the account weren't opened fraudulently, by Denise.

Diane had advised me the day I was in her office, on or before the 2nd of November, that I would have to have opted for the debit allowance upon opening the account, for debit to be allowed, with insufficient funds available. Something I assured Diane that I would have never done, since I am only receiving two paychecks per month.

Conflict resolution requested would be agreeable, if Wellsfargo were to refund the whole amount of the bank fees incurred, due to the account having had sufficient funds, to cover the purchases.

The bank put all my funds on hold and close my account with out notifying me due to my business address having a check record from someone that rented before me.

I went in to deposit money. It was a big mistake. I had my 3 year old child with me. Instead of just depositing my money, the teller tried to sell me some account features. 10 minutes later (in her office), while my child was crying, wailing, screaming and tearing this chick's office up. I finally told her I needed to go. She blinked vapidly and said, "we can cover the rest in 20 minutes".

Okay, lady. Drive-up- I was given a hard sell on yet another account feature, that this teller thought I needed (automatic bill pay). I told her 3 times I was not interested, and that I was in a hurry. She would not send my deposit receipt until I made it clear I was not interested.

Drive-up- I was on my way to a doctor's appointment when my husband and I drew straws to see who would "have to go to Wells Fargo". I lost. I was going to the doctor's to get test results (scary test results) when the teller tried to hard-sell me again. Automatic bill pay. Some budgeting thing. I told him right off the bat I didn't have time. "I am on my way to an appointment, I don't have time for the sell today. "

I went off on him. I yelled and cussed him out. He finally gave me a curt "thank you," and sent my deposit receipt after I told him that my husband chose emptying the cat box, and cleaning up the dog poo in the backyard, over having to go to Wells Fargo.

No concept of "I'm in a hurry". No concept of customer needs/wants. Drive-up does not mean convenience or speed of service. Furthermore, there are other people in the the nearby lanes who can hear everything. A teller once tried to go into a long speech about overdraft/budgeting features. Thank you for announcing to the world that I had a rough week and bounced a check.

Did I mention my boss was in the car with me that day? I went to a credit union and has not been harassed since. I felt like I was being financially and mentally raped, every time I set foot into a Wells Fargo bank.

I simply went in to cash a check at Wells Fargo (I thought), where I am a non-customer. I was made to wait 20 minutes {with hardly any other customers in the bank) to cash my check. After endorsing the checks and showing my ID's to the teller she said she needed to show them to someone (senior associate). She left then came back and said, "I needed Banker approval". She told me to wait and that someone would come over and take me back to one of the desks and help me. All this IMO because I turned down their offer to open an account.

Finally after several minutes the same senior associate walks over and asks me how she could help me. She already knew why I was there. She stared right at me the first time she was shown my checks. She then tried to get me to open an account, I declined again. Then she grilled me for a while, made small talk asked for my ID's and thumb print and then reluctantly initialed/approved the checks. Then she directed me to the back of the customer line. I've already waited in minutes before. They made me wait in line twice? That feels a lot like punishment! I thought this was a fluke. So I didn't think much until I went to another branch and the same thing happened again!

I've cashed plenty of checks at Wells Fargo over the last year, so I know now this is a new policy. They claim it's to 'prevent fraud', which may be true to some extent, but I realized it's also a new power move to stream potential new customers to Accounts and to discourage non-customers from coming in and cashing checks at their banks. There seem to be a surreptitiously engineered increased wait times and higher pressure tactics account sales for all non Wells Fargo customers. They should be required to post that information. Something like: "Non Wells Fargo customers can expect wait times of up to 10-20 minutes". I'm no longer accepting Wells Fargo checks from anyone.

My 70 year old mother recently withdrew her savings from the stock market, not very much. This is all the money she has to last her. She had a line of credit at Wells Fargo and they had recently contacted her about writing this off or reducing payments. Today, with no written notice, they called her and told her they were taking the balance out of her recently deposited savings to close the credit line. They were very mean to her and told her she had no recourse and that she could complain but that would not stop the withdrawal. This is simply not right, she could make the monthly payments but they basically treated her like a senile old woman and stole her money. The guy on the phone named Kyle refused to give her his last name and yelled at her several times. I would advise anyone to not use them.

We decided to open checking accounts and change from Bank of America to Wells Fargo. What a mistake! We opened many accounts including accounts for our children (teenagers). We were asked for their SOS numbers, which we complied to (original issue from Social Security Department still in the original envelopes). However, they requested proof from the Social Security office (letter). The nearest office was about 30 miles away. For a fee of $46 each, they would issue a letter. We told them (Wells Fargo) that was not fair as we had the original cards! The CSR clerk said they would accept a verbal verification. Now this is crazy, they would not accept an original card but a verbal verification was OK. After two failed attempts with a live operator (social security office), I've had enough!

I ordered a credit card with Wells Fargo and with the first statement was charged for a "defense of credit card" service I never ordered or authorized.

We, unknowingly, deposited a fraudulent check into our BoA checking account about 5 years ago. We did not receive any funds from the check and the bank closed our account even after the branch manager told us she knew it wasn't our fault but that she had to follow the policy. The check was written on a Chase Manhattan branch check. My wife called the actual branch and spoke with a rep. He verified the check and told us to go ahead and deposit it into our account, so we did. About a week later, the bank shut our account down.

Fast forward, 5 years and we were able to open an account with Wells Fargo. Much to our surprise, the person who opened our account had full knowledge of what had happened to us in the past with BoA and opened our account anyways. We kept these accounts in good standing for over 6 months. A few weeks ago, while on a Disneyland vacation for my wife's birthday, we were unable to use our debit card. We figured it was because of that security feature they place on your card that freezes it if you are more than a certain distance from your area. The next day, it happened again so I called the bank and I was told that my accounts have been closed. No warning at all. I asked why and the guy said he didn't have that information. I asked to speak with a manager and was told only that something from an old bank came up and I need to call ChexSystem and find out from them.

I asked to come to the bank and pick up my $1000 and was told "no, we will send you a check in 10 days". Well, that was on the 10th of this month and here it is, the 28th, and surprise! No check! Anyways, I did contact ChexSystems and asked for a copy of my report and all it said was "there is possible fraud activity". Not that I have been proven of fraud, mind you, but that I am just suspected of it. Such **, BoA knew I did not willingly participate in fraud but they refused to take it off and continue to make my life financially impossible due to this. But my main complaint is with Wells Fargo, who knew I had these issues and opened my account anyways only to shut it with no warning and lie about when I would get my money. I have bills to pay and kids to feed. Not to mention, rent. This has put me in such a bind and is completely unfair. Not to mention, how is it legal for them to just keep your money? Why does our government not do something about companies like ChexSystems? How can they have so much control over my life like this?

I have a PMA Account with Wells Fargo. I have 3 Checking accounts, Savings and a home loan. I pay many of my bills through their Bill Pay service online. A few years ago Chase purchased one of my credit card accounts that I had already been paying online. Then Chase changed my AOL Credit Card to their Freedom card, keeping the account number the same.

I changed my database that I see on my computer to reflect this new Freedom Visa account. I paid my bills online as I always have. However on 8/31/11 Wells Fargo duplicated my payment for the same amount, $325.25. They paid $325.25 to Chase Freedom and $325.25 to Chase AOL. Both of these accounts have the same account numbers. However, on my computer I can only see the one Freedom account and I only see on my computer one payment. I spent 134 minutes speaking with 8 different people at Wells Fargo.

One of these online people explained to me, "Looking at you account I see we have 2 accounts on our end with the same account number. I realize you only see one. It looks like we have been paying on one or the other names as it has been going into the same account number. I do see we debited you twice for the same amount at the same time. " They admitted an error; however, no one was willing to put this amount back into my account. The 6th person I spoke with deleted this AOL account that I could not see even exist, as it does not show on my Bill Pay account lists, which on their side they could see it.

They screwed up and the last individual I spoke with lied and told me that AOL was on my list. When I made a copy of my account list showing she was wrong, she blamed me and continued to be rude. She told me all the other 7 I spoke with were wrong too and she is supposed to be the problem solver at Corp in the "Bay area, CA. "

I filed a case number as a complaint as they refused to even temporarily credit me for this duplication. I have never been treated as rudely as by the last lady I spoke with. I would like her bosses to hear how rudely she treated me as that conversation was being recorded. Their own people admitted the mistake and still they would not credit me for their mistake. Please look into this. Thank you.

I bought a car from Wells Fargo on Sept.11, 2009. It took 15 months to get the title and 3 months of that time for my lawyer to get the title. That lawyer did not want to continue. There have been 2 arrests through all this. I bought the car for my grandson and his friend was taking her daughter to school and was arrested. He was taken to jail for 24 hours for illegal tags.

My grandson Conrad was also was arrested for the same thing. This car was the only car they had to drive at the time. His landlord has asked him to move the car because he didn't want it setting there not being drivable. So Conrad has it in storage. I hope you can me help me soon. Thank you.

We had fraud on our account and we had been working with Greg from the fraud department. Just right after figuring out what was happening, all of sudden, we no longer existed in the system and we got rude people who hung up on us. Overall, we had $10,000 stolen from us. They also did the hold on our accounts. I went to use my debit card and/or check and it was denied. So I called the bank and they put a hold on the account, which I was not notified, and it pissed me off. Wells Fargo allowed loans that were never authorized to go in and out of my account. You would think as a bank that they would want to verify if it was legitimate or not. So, I want my money back or I am taking a class action lawsuit against Wells Fargo.

I qualify for a HARP refinance and Wells Fargo has denied me to move through this process due to their data entry error. Wells Fargo mistakenly data entered my home as a single family residence in their database, when in actuality, the city of Los Angeles, CA has the home listed as a detached condo. I have spoken with numerous individuals at Wells Fargo and opened a claim with the "president's line", only to be told that there was nothing that could be done and that they were not correcting their systems with the accurate information, which results in me not being able to take advantage of this loan refinance that could save me at least $1,000 per month!

As a customer since 1969 of Platinum Master Card with 10,000 recent merit pts, all charges on the card and balance paid in full by the month, which typically ranges $1,200, plus a checking account, I am at a loss. Here is what happened.

I am a widow of a regular officer of the United States Air Force, with a rank of Major, and I shop regularly in a month at the Commissary and Exchange Stores of the Los Angeles Air Force Base, ranging from $220 to $350. Suddenly, the "authorization of my card" was "denied" on 6-18-11 and again on both 9-10 and 10-15. Obviously to have my card "denied authorization" is embarrassing and humiliating, particularly when I know everyone, from the clerks, department heads, and manager; being an officer's wife, with 80 items in a cart in front of a crowded store on a weekend; and my cart was moved to a secure location, until I could get "authorization" which took three (3) attempts.

It was necessary for me to recover from embarrassment, so I proceeded to contact Wells Fargo (WF) and suffer the "phone pad exercise" to attempt recourse; on all occasions the "customer service" response was deplorable. There were two in Iowa, one in Oregon; I am in Huntington Beach, CA, no apology. Moreover, the last experience in Oregon, the guy thought it "cute", "funny", and "twice before!" The regimen (while in a public and noisy traffic) required my date of birth, a security question, the last four of my SS#, even the # of my Checking Account, the Security Code on the reverse of the MC, and all the while, a clerk standing by with the unpaid for cart, of course, to go back and "check-out," and then have a bagger carry-out my purchases in utter embarrassment, the third time!

Wells Fargo "management" has a system where all "customer service responders" are "supervisors", deliberately rude and indifferent, and "managers" are unavailable; they don't talk to "customers". I cannot believe this was repeated a second time. Returning home Saturday, 10-15, I phoned "customer service" to no surprise, so what? Instead of credit card, I was transferred to checking, and then back to credit card to be disconnected. Phoning back, I was informed it had to be handled by Fraud Detection (Fraud Protection? Why?). I was provided an address in Charlotte, NC by Tony **, in Oregon as all the others: WFCC, PO 560947 Charlotte, NC 28256. (Note that there is no direct contact with "management" to ensure this is remedied permanently.)

Recently, I submitted a "dispute" over a misrepresented purchase of $56. The merchant wanted remedy of a "store credit" for one year on my MC account, especially after rudely ordering me out of his store, as if I would ever trade there again. WF accepted this "gesture," noted my rejection of the resolution to the credit bureaus! I have an 800+ FICO. I have offers of Platinum Cards at 0% purchases and balance transfers over 15 billing cycles. To trash WF and apply for another account is a Credit Bureau derogatory!

This experience is horrendous; one can only imagine the battery of desperate homeowners trying to resolve mortgage lending issues with "those people." Banking reform is a subterfuge, a sham, and a disgrace. Instead of coherent and cogent billing with date, previous balance, changes, new balance, minimum payment and due date, with days in cycle, it is scattered all over the billings in multiple pages, and no longer is annual percentage rate (APR) computed where there are varying rates on promotional options? So much for banking reform and consumer protection!

I visited the Wells Fargo in Woodland Hills, CA (zip 91367). The bank teller lied to my face! I made a deposit yesterday (Thursday) and he promised me that my funds will be available to next day (Friday). I know that when you deposit your check with a personal banker, it can take 2-3 business days for the check to clear. But this was not the case. What happened to me next was extremely embarrassing. I took my mother and sister out to lunch today (Friday). When it came time to pay the bill, my card was declined. So, I called the 800 number on the back of the card. The representative told me that my funds will not be available till Saturday. This is not the first time this happened to me either. About 1 year ago (more or less), the same thing happened to me at another branch (Reseda, CA).

On October 5, 2011, Wells Fargo had a hold put on my account and I wasn't able to access any funds in my account. I went to a Wells Fargo branch. I found out that my accounts have been closed and that a cashiers check would be issued to me due to a conflict with my previous bank account with BofA. When I opened my account at Wells, I had shown them a letter from BOFA stating that fraud had taken place with my checks, and that I was in the clear but the case was still under investigation. With this letter, the branch manager Jorge approved the request to open a new account with Wells Fargo on January 21, 2011. Since then, I had no issues and maintained a steady account with Wells Fargo. I didn't have an issue with them closing the account, until I learned that my unemployment check had got transferred into my Wells account on October. This was after I canceled the recurring scheduled transaction.

I called Wells Fargo Prevention Center. I spoke to a representative who told me that an investigator was going to review my account. And I was told to call back in an hour and that they were the only person who would be able to release my funds to me. I told her that I rent to pay and was already a week late. When I called back, the representative informed me that they were going to release the money in my savings account. But the rep told me that the investigator was waiting to get clearance on the funds in my checking that was transferred from my unemployment BofA prepaid card. I stated that it was my unemployment payment and that I needed that to pay bills.

When I was finally transferred to an executive, Lorena (agent # **), she rudely told me that I would not be able to access any of the money in either my checking and savings. And she told me that my account was scheduled to be closed on October 19, 2011 and that on October 20, 2011, a cashier's check will be sent out to me and I should receive it in 10 days. I told her that one minute they make it seem like I could access my money, especially since I maintained a good steady account with Wells Fargo. And now I'm left in a bind because of an issue that is still being dealt with through another bank. If this was such an issue, why would a branch manager even approve my request to open a new account with Wells Fargo? Lorena then stated that she could do nothing for me and then hung up on me. It's so unprofessional of Wells Fargo's employees to treat someone so unfairly.

From my recollection (3.5 years ago), I had 5 small transactions pending on a Friday, then I checked my account on Saturday and 3 cleared with 2 still pending. I checked my account on Sunday, there's no action. I checked my account on Monday, and a $100 check I wrote that same weekend that I didn't think would hit before the 5 smaller transactions, not only hit, but the bank reversed the 3 transactions it had already cleared and bounced all 5 of the smaller transactions.

Had I known of their thieving business practice, I would have printed out my statements all 4 days to show the activity. They moved the numbers around to benefit them, and I was left with a nice fat bill. I went into the branch to tell the manager what happened, but I was informed the fees could not be reversed. So I told him I wanted to close my account, and he said that I could not until the fees were paid and that if I did not pay them I would incur a daily overdraft fee.

Needless to say, I refused to pay the bill and now have a collection agency after me for the money along with their fees! This is affecting my ability to buy a home, and I want to fight it; I'm just not sure how. I hate being the "little" man! Any suggestions would be greatly appreciated.

I called Wells Fargo in order to inquire about a credit card, not necessarily to apply for one, but to find out if as a customer of that bank, whether or not I would qualify for one. I was lead to believe by the operator that I should apply for a certain card (a money back card) and that I would qualify. Due to the amount of income I receive, I do not and would not qualify for their credit card. The operator knew I did not qualify for the card and lied, saying that this is a great way to build a future but knowing I would not get the card.

I opened up 2 checking accounts and 2 savings accounts in July of 2011 at Wells Fargo in Elizabeth, NJ. When asked if I wanted a credit card, I said, no. Again she asked if I wanted a credit card and again, I said no.

I had returned to the bank 3 times for stupid little mistakes. And after the 3rd visit and 3rd phone call, the woman who opened my accounts told me that she applied for the credit card for me. Now, I had to go down (again) to "unapply" for the credit card. I went there that day to find that she was not there and her manager was. The manager told me that the woman who opened my accounts and applied for the credit card in my name had been spoken to and would again be spoken to by another manager and that what she did was wrong. They apologized and closed my accounts without any fee.

I had an account with Wells Fargo as did my employer. I ran a work crew that got paid daily. I would call my boss at the end of each work day to submit payroll and she would electronically transfer necessary funds from her account to mine. I would go to a Wells Fargo ATM and wait for the available funds. When the ATM showed funds available, I would withdraw them. The only time my account had money was the brief time between the deposit & the withdrawal.

At month's end, I got notice of 14 overdrafts, over $400. I was never notified until the end of the month and the ATM continued to show available funds on a daily basis. The bank accused me of bank fraud but did waive 4 fees and said that it was all they could do. Why are these charges my fault? If money wasn't there why did they keep giving me money? I have gone to different Wells Fargo branches, all with same results. They want their money! What do I do next?

I applied for a credit card in 2010 with Wells Fargo. I was approved with a credit line of $700.00. I spent money and was paying it off when I lost my job. My mom offered to pay it off if we got a deal, which we did. They said they would close it as a settlement of five hundred dollars on my mom's credit card. I didn't hear from them for about two months. Then, calls after calls started coming in about finishing to pay the rest. We kept on telling them we had settled. And they kept on saying that a manager would call and wouldn't. I would call and ask for a manager. They would say she is not in, leave a message. I wouldn't hear from them until I finally spoke to Patricia. She said that they were not going to grant me the settlement. They were going to return the five hundred dollars and I was still responsible for paying off everything, including interest fees and late charges.

I became aware of a potential fraudulent charge with a rental car company. I have a nominal checking and savings acct, which my retirement checks were deposited each mo. and my Medicare costs were deducted. I had specifically requested that it is not have overdraft protection. When I told the bank about the problem, they closed my accounts and issued new account numbers. They assured me no one could get the new acct nos. The vendor Hertz rental car issued 2 phony credits and were somehow able to get my account no. Then they issued 3 debits in the same amount of $1,666.50, and the bank paid out that amount on overdraft protection. The branch manager and staff all think that the bank needs to refund the money for which they charged off against me, and when I was credited $700.00 back by the fraud department, the bank absorbed all of the money in fees that were generated by the computer. The previous manager Alejandro **, was going to back out the charges, but the new manager, Steve ** refused. This has gone on since December of 2010.

The bank gave $1666. 00 to a vendor I was disputing. They used overdraft which I didn't have. Then charged off that amount, absorbed 2 retirement checks of $434.00 plus $235.00 balance that was in the acct. And when I was credited back $700.00 from the original $1666.50, the bank absorbed that as well. Total loss of $1666.50 + $700.00, plus I was forced to stop the auto deposits, and had to get money orders to pay my Medicare premiums. I am 52 years old and disabled. I cannot fight when there is no accountability or anyone to make the decision. Someone at Wells Fargo made a decision to pay something that was not authorized by me. I didn't give them my card number, nor did I sign for it. I did not receive the service or benefit in any way. The bank needs to give me my money back. Please help.

I asked Wells Fargo to distribute all of my IRA funds to a checking account at the same bank due to an emergency. Since I was out of town, they had to create a form stating the funds were to be distributed to the checking account and mail it to me. I signed the form and returned it to them on September 24, 2011. After four days, I began calling to see why the funds had not been distributed. Each day and as late as yesterday (October 5), they told me that they had not received the form from me and that maybe the post office lost it. They told me to keep checking online just in case.

This morning, I tried to log into their site; I got a message saying I had no accounts with them, and that I should call if I had any questions. I found out that the night before the checking account and the IRA account had been closed that the account was closed due to an overdraft of $2.82 (it had been on the books for two months according to them). Being in Asia, I had not written a check on the account for over ten months; I was unaware of the negative, which I believe was a service charge of some kind.

The IRA was closed because they said the funds had been distributed, but they did not know where the funds were. Why would they close a checking account where I asked the funds to be placed? Where are the IRA funds? None of several representatives could help me. I spent so much time on the phone; reinventing the wheel with each new representative--to no avail. Finally, for the first time over the week, they asked for my IRA account number. Not being able to go into my now closed account, and my paperwork being in the USA, I was unable to give them the number. I was then told they would be unable to help me until I found the IRA account number.

The checking account can't be reopened. My ATM card is therefore, no good here in Asia. I don't have an account to transfer funds into in the USA, unless I open a new account. By the time I get my hands on my money, it will be too late for the emergency I mentioned. Do not do business with this bank.

I have banking issues with Wells Fargo. For my account number, Amanda and the other calls reported that I had $90.00 available. Please listen to all your calls placed. You do not honor your promise and word. I spoke with Amanda and the statement that she made was that my account would not receive any overdraft fees. I spoke with a supervisor and everyone I could, to try to handle this professionally. I am asking for my $140.00 back into my account immediately. A bank, and all companies, should be able to honor their word over the phone. I was told by the supervisor that all calls are reported. I spoke with Amanda and another person, and my account was positive $90.00 and then, I deposited $30.00.

My account became negative and incurred $140.00 in overdraft fees in which Amanda told that it will not happen at all. I was told 3-4 times by Amanda that I will not receive any overdraft fees but then I did to my surprise. I was upset. I am asking that you honor your word that was given to me by Amanda and give me my money back. I walked in and was refused. I requested to talk to a supervisor over the phone and you refused. I am asking politely again for my money to be given back to me and for your company to honor your word that I would not receive any overdraft fees. I was told that the call was recorded. I told him to check the call and to honor Amanda's word but the supervisor refused to. Please check all calls and everyone that I spoke to today that had access to my account and honor your word and give me back all my money. Thank you very much!

Wells Fargo accused me of not paying insurance on my mortgaged property so they applied their own insurance at three times the cost without notifying me even though they have my email and physical address on record. Then, they raised my mortgage payment by $60 per month without my knowledge or consent and called it an escrow. Then, they applied interest on top of it all.

When I filed a complaint, they started harassing my family members who don't live with me or have anything to do with the mortgage. A Wells Fargo executive by the name of Dawn ** finally called me after I had filed numerous complaints. Ms. ** agreed that the cost of insurance applied by Wells Fargo was outrageous. She also agreed that Wells Fargo had no evidence that my own insurance wasn't applied. She couldn't explain the escrow, though. She said that she would check the "facts" and call me back but she never did. Wells Fargo continues to apply interest and other charges to my account.

Wells Fargo is an organized crime syndicate that violates RICO Act (Racketeer Influenced and Corrupt Organizations Act) by forcing customers to accept whatever payments, charges, escrows and interest rates Wells Fargo decides to apply and then threatens to take the customer's property if they refuse to pay.

I withdrew money from my account from inside the bank. A few days later, I saw that my account was -$36.00. I didn't understand how I could overdraft by pulling money out with a teller. A few days after that, I noticed my account was -$71.00. I called the bank's customer service number and got a woman named Donna. I asked her why was my account overdrawn $71.00 and she explained that I had withdrew more than I had in the account. I asked how could I take money out that wasn't there to begin with and why would the teller not just tell me the funds I was requesting were not there? Donna said it was up to me to know what I had in my account and not the tellers' job.

I told her that I felt like the teller had purposely allowed me to pull funds that were not there in order to collect a withdrawal fee. I had heard of banks doing this on the news show Nightline. Immediately, Donna attempted to end the call by asking if there was anything else she could help me with. I asked her again why the teller would release funds that they now were claiming I never had? She admitted that she didn't know and told me I would have to go to that bank and ask the teller. I said, I thought you were customer service? She again asked if there was anything else she could help me with, at which time I ended the call.

I am fed up with these underhanded bank tricks and unnecessary fees that the news and the President are saying are "criminal". I am trying my hand at online banking as I have heard positive things about the way they do business, as opposed to big banks that are only out to penalize their customers to make a quick buck. I didn't even want Wells Fargo as a bank and would have never chosen them on my own. I woke up one day and they had taken over my account. Inside the bank, there is a huge quote which says "Henry Wells, the founder believes in courtesy". I don't know who this is directed to, because it is not the customers that keep this so-called business running.

My husband and I went into a Wells Fargo branch to open a business account and to inquire about switching our merchant services account, in an effort to save on processing fees. We met with Stan the merchant service rep. We informed him that we have been with the same merchant service company for nearly 10 years and have a terminal paid for. Given this, we wanted nothing to do with any type of long-term contract as our current terminal was paid for. He assured us that not only was this not a long-term contract, but that Wells Fargo could beat our current processing fees. We emphasized several times that we absolutely did not want to get into anything that was long-term. Again, he assured us that, that was not what he was offering and that we could get out within 90 days with no early termination fee as this was a trial period.We signed the contract and he said that he would send us a copy. After receiving our first statement, I was shocked at the fee charged to process one transaction. I called Stan the next day to cancel but he wanted us to give it another month. I said "no" that I wasn't happy and wanted released. He is no longer with the company and did not cancel our contract.

After 7 months, we have no resolution and after multiple claims stating that we would get a copy of the contract, we still have never received one. The company is not honoring its agreement to release us from the contract and now refuses to discuss it. We were lied to just so an employee could make his sales quota. The company is taking no responsibility for the actions of their employee misrepresenting their product and selling it under false pretenses. The total lack of concern for the fees we have already incurred due to the misrepresentation of this product and the company's lack of follow through for a significant customer service issue is appalling.

I have been with Wachovia for quite some time. I never had a problem that customer service wasn't willing to help with. I have more than one account and I never had a problem with my money being posted incorrectly. Since the switch to Wells Fargo, everything that was posted and taken out of my account with Wachovia showed that it was posted that morning. The next time I checked, Wells Fargo charged me several fees, stating that I didn't have the money in my account to cover what was spent out of my account, which is crazy!

I beg and pleaded with customer service, explaining that I don't have money to just give away and that I work less than 40 hours a week and I had my bills which I pay with my accounts coming through. I explained that those charges were already paid and asked why they are charging me these fees. The customer service representative stated that there was nothing that they can do because it wasn't Wells Fargo's fault, and they suggested that I learn to keep account of what I use from my account. What? Are you kidding me?

I'm in the process of getting my accounts change to another bank. Way to go Wells Fargo. Another way of the rick taking from the poor as if the economy isn't bad enough!

After making about 5 deposits to my bank account, I made my last deposit on the night of the 22nd expecting my funds to be available by Monday at the latest as usual since they have never made funds available to me before then. This was their normal routine. The entire reason being for the holds were, according to them (I have questioned them as to why the hold on more than one occasion), because I had nsf/negative account balance. I accepted that.

I was told that if I kept from these kinds of problems, I would not have holds. Then after that, I was told that the company I work for was a new check for me and they would have to have a few deposits before the holds would not happen. In other words, they needed to have an established background with my company, to show that their checks are good.

Now, to the good part. As I said I made my deposit, no problems or issues, at the ATM of my branch. Lo and behold, I get the receipt and it gives me 100 dollars out of my check available! I think, wow they are starting to make it faster for me. But, then I look down further and they put a hold on my deposit for 2 weeks! At first I thought, "No, this is a typo," so I called the toll-free number.

First, I was talked to rudely by the first lady I spoke to. She stated matter of factly that this is a normal Wells Fargo policy. I said, "But usually the hold is only a day, maybe two," in which she replied, "I see that you deposited then canceled, then deposited again." I told her no, that did not happen. She then stated that, that's how it is. I asked to speak with a supervisor, Devin was his name, I think. He tried his best to help even with my temper steadily rising.

He stated he did not understand why it happened and that the so called "deposit, cancel, deposit" would not affect anything. After explaining all of the aforementioned, nothing could be done. The only two things he said were my options were cancel the check tomorrow and get a reissue from my company, then deposit because they don't put hold on cash (I sure the heck hope not. If they do, I'm moving to a third world country were seashells are still considered money) or wait 5 days, then contact the on-duty manager and ask them to release the hold (out of the goodness of his heart, no doubt).

In a nutshell, we have misleading information about pattern having an effect on holds. It's an excuse to create an inability to pay bills on time, by delaying funds, even though they have established that they do pay. Which was the reason they said I would not have available funds. Risk models they say, show that the check may not pay. So, first it's because of a new job they have to put a hold because they haven't established that the check will be honored. Now that it has been proven, you put an even longer hold on my paycheck from the same company.

What's worse is, the people I talked to either blamed me for it because I didn't deposit correctly, I pushed the wrong button but then got it right, or couldn't understand it. But the key point is this, the manager can release a hold that was put on by computer risk models. Basically, a model based upon spending that knows when your bills are due. Hmm suspicious isn't it?

If a manager can release a hold, then there is no policy. It's a tactic to create more revenue for the bank by overdraft fees because I can't pay my bills until it's too late. Perfect scenario to get in a pickle, caught between crossfire.

I, for one, think that in this time of hard living where cash doesn't pay for everything anymore but a card does, a bank would ease the burden. Wells Fargo, on the other hand, has a different plan though. I will now be forced to go back to cashing at Walmart. Then use a prepaid credit card to pay bills, ridiculous. Hey US government, we pay income taxes. That's your money, go do something about the banks. If we don't get paid, neither do you.

The Chicago way? We applied for the simple refinance of a loan with Wells Fargo. We have an excellent credit rating, etc. We're now months into the process.

During the initial in-take process, while just passing the time of day, I made a statement concerning my displeasure related to president Obama. The loan process has been ** to pay since.

We're now two months into the process. Now, we learn that Wells Fargo claims the residence is been classified as "multi-family". What?

Our home is a modest 3/2 in a restricted neighborhood where "multi-family" isn't allowed!

The county tax office still carries on their record that the house is a "single family" residence (and hasn't been changed).

Wells Fargo has been sent copies of the tax statements, the PIN and everything else we have that shows the house is a 3/2 single family residence. Yet, Wells Fargo won't process the loan further without extracting more charges from us.

I smell the "Chicago way". We either have a conspiracy of malice or a conspiracy hatched by incompetence. One or the other.

I would advise anyone, and I mean anyone, who is considering working with Wells Fargo to stay away from them (if this situation turns out to be incompetence). Or expect to pay a toll if you exercise your freedom of speech.

Something huge is wrong with this company. We've been lied to, jerked around and abused.

We received a commitment from Wells Fargo, 7/29/11. In Aug., my husband received a bonus from his employer and contacted Wells to switch from an FHA to a conventional loan and 20% down. We were told that it would not be a problem, there was sufficient time because we were scheduled to close 9/22. All the substantiating documentation was emailed to Ms. Holly ** on 8/24. All other information regarding accounts, wages, lease, etc. had been faxed to Ms. ** on 7/12, for which she acknowledged receipt.

Yesterday, we received a call and emails from Mr. Kyle ** telling us that our closing would have to be delayed because certain things had been overlooked. This even though my husband, my attorney and myself had been trying to contact Wells to pinpoint a time for the closing and our calls and emails were ignored for about 2 weeks prior. The last communication from Ms. ** on 9/6 said we were good for 9/22 and our financial criteria had been met. Now 2 days prior to closing, we are being asked for Operating Business Statement, credit card statements, landlord information, etc. All of which had been previously supplied. Ms. ** has ignored all our communication from the point where she passed this case on to Mr. **.

My family is stressed because we have notified our landlord and must be out by 9/30. Conveniently, our lock-in rate will expire on 9/27 and my husband travels extensively for work, which I explained to Ms. **. He arranged to be home this week and now, this closing might not happen as scheduled. It is unacceptable that my family should have to incur additional expense and aggravation due to Wells Fargo's negligence. We have been dealing with them since the beginning of July and they have had more than enough time to close on this transaction. Ms. **, this morning, communicated to us that these things should have been done when we converted to from FHA to a Conventional loan. Instead, they have waited until the eleventh hour to ask for additional documentation.

It is unacceptable that due to Ms. **'s promotion to a managerial position, everything having to do with my mortgage fell through the cracks. Today, she is informing me that she has to contact my landlord. How does she plan to do so? Have him sign a document, return it and close as scheduled? What if because she waited till now, she can't get him? He works and travels to his home in Florida on occasion. Again, if this had been done a month ago, this would not be an issue. Now, my family and I will be the one's inconvenienced while incompetence at Wells Fargo is rewarded with promotions. Several people at the managerial and executive positions were contacted, but I have not heard from any of them even though they told me they would call me back. Wells Fargo has had more than enough time to handle this transaction smoothly. It would have been nice if someone would have taken ownership, instead of leaving everything to chance.

I am filing a consumer complaint against Wells Fargo Bank, the fraud department in particular. I called them on Friday, 9 Sept 11, when I had become aware that there were fraudulent deposits and withdrawals on my account. I was on the phone for over three hours being transferred from one department to the next. I was asked a variety of questions by every person I spoke to. They asked me if I gave my debit card to someone, the answer was and is no.

They asked me if I knew the person who did this, the answer was and is no. They asked me if I gave my PIN number to someone, since one of the withdrawals had been done as a debit, the answer was and is no. I was told that they would investigate (reviewing video footage) the fraud on my account and come up with a decision based on evidence.

Three days later, I called to check on the status of my claim and was told that it was completed and denied due to the fact that I had willingly given someone my PIN number and authorization to use my account, which is a lie. I was repeatedly interrogated over the phone on 9 Sept 11, and made to feel that I had done something wrong. I attempted to try to rationalize what was going on with my account because I had no idea what had happened or how.

During these interrogations for the many hours on the phone, my bank determined that somehow, I had willingly given my PIN number and authorization to someone else for their use, which is not true. I have never given my PIN number out. Never did this bank try to determine who had accessed my account without my permission and completed theses fraudulent charges.

Not only did they not investigate the fraud, they determined that I was responsible and stole two of my direct deposit paychecks to cover the monies I do not owe. They took one of these paychecks after I was told that there was a monetary hold on my account so nothing could go in or out. Along with the debit card transactions, Wells Fargo allowed checks made out to me by a company I have never heard of to be deposited into my account. This check was signed by someone, other than myself (I will give you a copy of my actual signature), and had the incorrect account number written on it.

The bank not only allowed a check to be deposited into my account, they also didn't verify the signature, check ID, and on top of that, they changed the incorrect account number written on the back of the check with the fake signature to match my account number. At any point in all of this, had Wells Fargo attempted to do their job, none of this would have happened. I want all the monies that are owed to me (my paycheck deposited on 2 Sept 11 for $829.78 and my other paycheck deposited on 16 Sept 11 for $564) and monies for all the inconvenience and past due fees I have received since I have been unable to pay my bills (due to the fact I have not had access to my paychecks).

I trusted my bank to make sure that my money was safe--not only did they not do this, they also allowed someone to steal money from my account. They didn't try to find out who it was, turned around and blamed me, and stole my money to recoup their loses. I am attaching copies of all documents I have, including the altered account number on the deposit slip, changed by Wells Fargo in order for them to fraudulently deposit the money into my account, and a copy of the check with the forged signature. I will also be including a handwriting analysis with my signature and name, which Wells Fargo already had, for your review.

Wells Fargo, at the teller level, was offering pre-approved credit card applications. My application was later declined because of a charge-off amount that could not be verified by collections. Even though the information wasn't accurate, Wells Fargo Credit still denied the application. I was told, even though I had been with the same bank for years, through numerous changes, that my loyalty wasn't a factor in their decision. However, they were using false information from a previous bank to decide on my application. The whole situation is frustrating, disappointing and because of that false information, potentially dangerous to any kind of application I may present in the future.

I am 30 years old and I have been banking with Wachovia since I was 19. I had no complaints whatsoever about Wachovia's customer services and transparency. Since my account has been transferred to Wells Fargo after the M&A, my relationship with my bank degraded tremendously. Not only that they are not transparent and information posted on your account is not reliable as it seems, they are deeply involved in a money market cash pool earning! When you make a transfer request, they debit your account directly. But you will only receive the transfer in your other bank in 5 days! With Wachovia, you could even do a phone transfer that would take a maximum of 1 day!

When I called Wachovia customer service line, Wells Fargo picked up but could not locate my account. As a result, they transferred me back to Wachovia only to transfer me back to Wells Fargo. 20 minutes was lost and they were unable to get access to my account. A couple of days later, I called again because I had to re-program all my online bill-pay, and some features were not working properly. A month after, I was traveling to Kenya and my check-card got stuck in the ATM machine. As a result, I called Wells Fargo. This is when I was really upset because I had to deal with the issue above. On top of that, I was calling long distance to cancel my debit card. Cancelling my debit card was an issue because apparently I could not verify my identity. My other banks, even including Wachovia, have a better customer identity check than this Wells Fargo.

The only question that they were asking me was, "What was the last transaction on your account, debit, credit?" I told them approximately because I only use the account to pay my mortgage. The clerk said, "Sorry you were not able to pass the identity check etc." I am sorry but I am. No one will be able to give a last dollar amount on a transaction. For example, I said $1360 and the correct amount which I know now is $1361.39 for my mortgage. This made me extremely upset. It took me 40 minutes to get through. And finally, when I talked to someone to cancel my card, they were not able to identify me. I told him I did not care that he can or cannot identify me, but this card needs to be cancelled or it will be their responsibility. He said he could do that, but they were not able to replace my card at the moment!

I returned after 2 weeks of vacation. I called them to order a new card! It was not possible as they couldn't identify me. They finally told me to go online and make the request! So, after I made the request online and complained, the responder told me they have not yet updated their entire security question! And that made me upset because security comes first! You would think I would be a happy customer now with a new card ordered, not more issue. Since I did not have a new card, I wanted to transfer $2000 to my other account to survive the 10 days waiting period. Guess what? The cut off deadline for the request on Saturdays is 3:30, in which I made it. And transfer to another bank usually takes 2 to 3 days. Today is Thursday and I still do not have the money in my other account. I decided to contact them with the details. They replied to me with a generic message.

On September 7, 2011, around 10 p.m., Wells Fargo sent Skyline Recovery to repossess my vehicle. While I was aware that the repossession would eventually happen, due to my inability to pay because I could not work, as a result of a medical condition; I never imagined the process would be so disturbing.

It was a Wednesday night, all was quiet, and the kids were in bed resting for the next school day. To my surprise, I heard a very loud knock at my back door which awoke my kids, startled me and my friend, and woke up the neighbors. I went to the door and asked who was there. He stated his name and said he was from Skyline Recovery. In hearing only his name at first, I told him I don't know anyone by that name. He said he was there to repossess the car and demanded the key, stating that if I didn't give him the key he would drag the car out of there. Because of his tone, I was scared to open the door, so I said nothing. He continued to knock and finally my friend opened the door and told him that she didn't have a key. He told her to get the key now or he was going to drag the car out of the driveway. In looking outside, I saw that there were two other guys outside, and because of his tone and treats I thought going outside to even get my belongings would be a bad idea. I at first dialed 911 to ask if they could come out, but then hung up because I thought by the time they got there, it would be too late. So I decided to keep the key with hopes of exchanging it for my belongings.

After loading the car, he in fact dragged the car out of the drive way; he pulled forward then back a few times and then speed off into the street. Upon entering the main road the car fell off the tow truck. The three of them got out of the vehicle laughing. My neighbor went outside and asked them why were they being so loud and purposely damaging the car. According to him, they made a few treats and told him to mind his own business. Before driving off again, they again disturbed the peace by lying hard on the horn more than enough times and speeding off with the vehicle. The police came out of safety concerns, and advised us that the repossession company just called a few seconds prior to him arriving. I asked why they didn't call before coming. If they had, I would have felt safe in giving the key and going to collect my things. The police said that they were supposed to call prior, as a courtesy. And the attorney I spoke with said that because they did not, they are now left to defend themselves against my claim. I am looking to file a breach of peace report, when I find a ride to the station but was told in the meantime to file this complaint. I was also told to call the repossession company and ask if I could obtain my belongings.

The next day, I called around to find out the location of the car. In speaking with the representative, I asked if I could come and at least get the bag of school and clothes, left at the back seat. He said yes, but only if I give them the key and $25. I asked why the $25? He said that it was for administrative purposes. I said I just need one bag. He said I would have to pay the $25 because someone would have to watch me take the bag. I told him that I don't have the money and would handle the matter another way.

Since then, I did not receive the letter that the law states that I am to receive within three day. According to CT repossession laws; it states "The contract holder must, within three days of repossession, provide the buyer with a written statement of the amount due under the contract and the amount due for repossession and storage costs. If the contract holder fails to provide this notice, he forfeits his right to payment for repossession and storage costs and is liable for actual damages caused by that failure." I and witnesses strongly agree that the repossession was unlawful, due to the disturbance and breach of peace and don't feel I should be held responsible.

Furthermore, prior to repossessing my vehicle, Wells Fargo continuously harassed me and my family calling literally more than 20 times a day; even after I explained my hardship situation. They refused to place the late payments on the back of the loan, after another representative advised that I would qualify for their extension program if I was to make at least one payment. They also did not follow up on removing the insurance charge, in which they used a few of my monthly payments to cover. I never had a lapse in coverage and advised them that the misunderstanding with AIG was cleared with DMV. They also could not explain to me why some months, most of my payment went to interest and others my payment went just about all to interest. To my understanding, my payments were to be fixed and if anything my interest payment should be decreasing, as the principle amount decreased. I also noticed after looking at a copy of my payment history, that when I had an extra payment to apply towards principle, my payment was treated as a regular payment. Their response was that I should have told them it was a principle payment and there is nothing they could do about it now. I explained that the payments were made one week after another, how could they not have known.

Wells Fargo has not tried to work with me and have continuously harassed me and given me false hopes. They illegally reposed my car and misrepresented my payments. I asked that you seriously look into this matter. In reading the other complaints, it appears that they have been getting away with these practices and if nothing is done will continue to take advantage of their consumers.

My home in Kansas was damaged due to a hailstorm. I received a check from my insurance company made out to me and Wells Fargo. I followed Wells Fargo instruction, signed the check, signed it to them and had my contractors filled out the Wells Fargo forms and sent them to Wells Fargo. Beginning in early August, I started calling the Wells Fargo Hazard Insurance Processing Center for a status. I made numerous calls, each time speaking to someone different and each time, getting a different story as to why my check were not processed. I called to have the work inspected, inspector said no one had to be there and he reported that no one showed up. This happened twice. Finally on Sept. 8th, a so-called "Resolution Specialist" got on the phone. She told me everything was good and she would authorize overnighting on my checks. I called back on Monday Sept. 12, only to find out the checks were sent regular mail on the 12th.

I tried to pay ahead on my loan so I would never get a late payment fee. I made the $109.00 payment for April. Then in May, my bill payment went through to them on May 2nd, in the amount of $109.00. Instead of taking this as my May payment, they put it as an extra payment in April. So, they charged me a late charge when I didn't get my next payment in before the cutoff date. I talked to an extremely rude man the first time, and ended up hanging up on him. I called right back and talked to a woman, who refunded my fee, only after I paid the late payment fee. I used BillPay. I sent that payment the day before the due date, as it said it would only take one day for them to get it. I made my regular payment. And now this month I have another late payment fee. It doesn't matter how much I pay on time. They say they didn't get it and charge another fee. I am on Social Security and can't just make payments on the spur of the moment. As much as I want to pay ahead on this loan, they refuse to accept it.

I refinanced my auto loan with a different company. Wells Fargo went into my banking account and took $650. I called Wells Fargo and an accounting person told me to go ahead and stop the payment on the funds since my car was already paid in full. I later got my contract stamped "Paid in Full." Then, I started getting phone calls and letters saying that I still owed them money. The credit union that I refinanced with has the title to my car.

I received a call from a very nice man asking when I could pay for my overdraft on my account. When he asked, I said in two weeks I would pay part of it. Then the next two week, I would pay the other but I didn't give a definite date. He said okay and the call ended.

Today 9/6/11, I received a call from a woman about 2:00 this afternoon (AZ time) if I could pay today. I said that I couldn't and I told her I explained to the other representative that it would be mid September, but I couldn't give a date. However, she became defensive and said "do you want us to keep calling you?". I then hung up and called another representative. When I told her the same thing, she said I just made a commitment which was fine, but she said, "I should have told them that the first time".

But I said to her, "No, that's why I gave you those two dates". In my mind, I knew I needed to pay because I know I owe the bank. My problem is not with the bank, because I do owe because my account is overdrawn and that's my fault. But when did Wells Fargo become a loan shark agency with the worst customer service representatives in the world? They could lose customers that way.

I have been called over 24 times over the past 72 hours. When I answer, a computer comes on and says to wait for an important message then disconnects. I called the number back and asked them to tell me what they wanted and the fact they disconnected the call. They wouldn't tell me why without my loan number. I do not have my loan number and without it, the calls will keep coming. I have no idea what they want and they won't tell me.

This is the 3rd time I've had a bad experience with Wells Fargo. The 1st time was when the manager at this same location treated me like I was dirt. At that time, I wanted to cash a US savings bond. The teller refused to cash it, saying I had to have an account with them. When I voiced my disagreement with her and requested to speak with the manager, she whispered something to the manager. When she came over to the window (the manager), she was very rude, and condescending towards me. I felt so bad. I did call and filed a complaint with the customer relations department. They claimed they would handle it. At another time, I wanted to cash my paycheck from Verizon. I was refused assistance until I called our HR department. They informed me we have a service agreement with Wells Fargo to cash Verizon checks. They had refused to cash mine.

Then, this past week, I got a check for approximately $4,000.00 from UNT financial aid for my daughter who is a full time college student. The check was sent to my address and made out to me. My daughter has an account with Wells Fargo. On that account is my same address, and we have the same last name. I wanted to deposit the check. I did not want anything back. I wrote on the check 'for deposit only'. I was advised by the teller I could not deposit the check, because my daughter had to be with me to approve that deposit. The check is drawn on Wells Fargo Bank! Finally, I asked to speak to the manager. She basically tried to be in agreement with the teller! I was shocked! Then, they decided they would cash the check and deposit the cash into my daughter's account. I thought that was stupid. And I did tell them how I felt! That is what they did to keep me from depositing that check and waiting for it to clear.

I closed my Wells Fargo checking account because they delayed my direct deposit on paydays. My wife still maintains her checking account with them; today, she wrote a check for me to cash, and use to pay some bills. I went to the bank and was told after presenting two forms of ID, that because I closed my account. They would not cash the check, even though it was drawn on their institution. I have been banking with this branch for over ten years. This is ridiculous.

After spending over $6,000.00 with Bath Fitters, we were happy with the work performed, but not with Wells Fargo. Their idea of 12 months, same as cash, meant, "how can we hold on to the monthly payments so they become late--so we can charge the customer a late fee of $25.00?" After going through everything we could think of (including making two payments per month), we just paid it off to avoid the every month hassle. We have had several conversations with Charlotte branch office manager (Rusty), who indicated that he would send a gift card for all the trouble we went through. To date, that has not happened. We cannot recommend a company that would allow its customers (with excellent credit) to be treated this way, and a manager that is not true to his word.

I would just like to file a complaint again these people. First, Carol was never able to receive a fax, every one of those that she got was never clear, she said. So, she decided to come to my place of work to take a picture of my license with her phone, which I don't even know if that is legal. Also, she was never able to get the correct appraisal amount. For some strange reason, all three couldn't understand the teacher contract. Doug and Vivian talked to me like I was 5 years old and always with an attitude. I have a 700 credit score with 20 percent down while my co-signer has credit score of 800, and they couldn't get a loan through! Three months were wasted and they still haven't given me a reason why! Please do not use these people, they don't know what they are doing!

I had a double billing on my Wells Fargo Card and disputed it, so they gave me a credit. About two weeks later, without notifying me, they rebilled it to my account. Then, I had a payment on my debit card to the IRS that was already cleared and they reversed it! Then, they charged me $35 fee for doing so! When I called to see why they did this, they said they can do that at any time without notice and they will not credit the $35 fee, which is causing a snowball effect. I asked to speak with a supervisor, who was rude, and I asked for his supervisor, also rude. I asked for the number to the executive offices, which they said they are not allowed to give out. I have never heard of such a thing. I will find the number to the executive offices and also file a complaint with the FTC.

I was a very happy Wachovia customer and then Wells Fargo changed all of Wachovia's systems to theirs in August. Wells Fargo's website informed me only on the second week of August that Wells Fargo requires 2 days prior to an online bill being paid in online bill pay for the money to be debited from your account to cover the bill. I am a teacher and am only paid once a month on the 31st. My mortgage is due on the 1st without a grace period and Bank of America charges $25 to just pay my bill any other method than online bill pay transfer. So now, I either have to pay Wells Fargo $15 per bill to have the ability to pay the bill on time or Bank of America $25.

Isn't charging me interest enough? Do I really have to pay in order to pay a bill? I attempted to contact Wells Fargo for an alternative but they refused.

I entered the bank to cash a check from PayPal. I have done this several times so I know the drill. I do not have a Wells Fargo bank account but as previously mentioned, I know the drill: Two forms of ID (one has to bear a picture). I provided my CDL as well as my bank card from my primary banking institution.

I walked in and was "greeted" by a guy (I don't know his name) but he stopped me and said, "How can I help you, what are you doing here today?" I told him I'm just cashing a check. He asked if I have two forms of ID and I said "Yes, I have to go through this every time I come in, so yes, I definitely have my IDs." He said, "Well I'm going to have to take a look at your check." I asked why, he replied, "It's my job. You have to show me your check to verify its authenticity."

Really? I call BS. As a "greeter" in the "landing area" or whatever it's called, they do not verify a ** thing. They ask you all about your business with the bank in an order to better serve you. Fine. I get it. But to tell me point blank that I have to show you anything is, one, not your job; and two, rude!

Next, I was pulled from the general line and asked to be seated with a banker. When I asked why, Michael (the banker) said "because." He was smart, so it began. I said, "Really? And you're going to take your sweet-** time cashing it too, right? Busy playing your Solitaire instead of taking care of customers?"

His boss (petite female) came over and asked me to leave. There are "and, ifs and a few buts" missing but the idea is there. I have serious anxiety and wasn't aware that Wells Fargo's policy was to demand the reason for "all the money" (referring to my check from PayPal) and to demand a reason for not cashing the check with my primary banking institution.

I was embarrassed that I was pulled out of line and made a spectacle of during a very busy Friday evening, only to be further embarrassed by being asked to leave.

Hmm, wonder why people get so irate with tellers? Let me tell you why: They're pushy way beyond being friendly and helpful. What I do with my money is my business. Refusal to cash a check drawn from your bank because I refused to tell the employees what I did to get "all this money" and because I refused to give them "an adequate" reason for not cashing the check elsewhere. I will absolutely make sure I advertise the extremely poor customer service I received from that branch on a continual basis. Also, I would have not marked one star, but the computer makes you put at least one.

Last August, I opened a checking account with Wells Fargo. At that time I was in the process of buying a house. I almost was unable to close because of a 'hard' credit check on my credit report. I was assured by the branch manager that it was a 'soft' hit. In October of last year, I opened another checking account. Again, I was assured that only a 'soft' check would be done. A year later, I am thinking of refinancing. So, I checked my credit report. It shows 2 'hard' credit inquires from Wells Fargo.

The 'hard' inquiries may have adversely affected my credit score; thus, preventing me to get the most favorable rate possible. This is very frustrating. I feel like I've been deceived. I doubt I'm the only one who has experienced this.

I have been banking with Wells Fargo for many years. I am moving my account for many reasons. One of these reasons is because I have been dealing with incredibly rude people. They have my name, my mother's maiden name, and my signature card, but they will not allow me to close the account. They will not accept a picture ID with signature because it is out dated. But they will accept a DMV print out without picture just because it is current.

I am also 89 years old and cannot always get out of the car to go into the bank. Every other bank in the area will to come to the car and explain the situation, whatever it may be. I was denied of this courtesy. A new print out of DMV without picture is ridiculous. It actually makes the bank look as if they are making excuses so as not to close my account. I have also had to deal with Wells Fargo for not cashing my SS check. I am sure they can understand why I will never consider leaving my money with them or giving them any kind of review.

For my business, Designers Art Resource, a customer bounced a check in the amount of $1,758.90.

The bank sent a copy of the said check to my address of record and then, as per their procedure, destroyed the check. They also say that they destroyed all copies of the check showing that the check had been returned to me NSF. The check's copy was lost in the mail and the bank can't or won't replace the copy. So now, I have nothing for redeposit, nor do I have proof to bring to the bank that there was in fact an NSF check.

Now, the bank says that there is nothing that they can do about the check. The best they can do now is to give me a letter saying that there was in fact an NSF check. I don't know if this is even enough to file charges against the initial check writer.

My car had been repossessed after adding on insurance, which I already had. They are charging me for late payments so, upon their request, I provided my receipts which clearly show that I paid before the deadline. They took off the added insurance after I provided them proof. I paid my car note through Money Gram which showed my dates of payments and I didn't know I had the number one (1) off on my account. I had been putting the same account number for the last two years. But they didn't charge me for late payments for the whole two years. They just picked certain ones and then charged me.

So, none of my car payments went toward the actual car payment. Stephanie asked me what I wanted her to do. I said, "Take out the late payments." She said, "I can't do that." I told her, "I did everything you asked me to. You told me to provide car insurance; I did. You told me to provide receipts of payments for one whole year; I did. Still, you only took 50% off of those late payment fees." She insisted that it was my responsibility to put the right account number.

If they had only took off all the late payments, my car would not have been repossessed. I believe that Wells Fargo should be accountable for their mistake. They then said that I had to pay before Aug 29, 2011 or my car would be auctioned off. So, I paid my balance on Aug 22, 2011 but I found out that my car was already at the auction place with a sticker without my plates. My car was picked up on Aug 15, 2011. I want to talk to a lawyer because I feel that I have a case against Wells Fargo and Wachovia.

Since my divorce, I have been trying to get my finances in order so that I do not completely depleted my IRA. Depending on the time of the year, I work two to three jobs, yet I do not 'make enough money to refinance' my house--that is what Wells Fargo told me. This is counter-intuitive since I already have my mortgage with them and, so far, have been able to pay it every month even though it is very difficult at times. I completely agree with the gentleman I spoke with that I do not make enough money right now, which is exactly why I need to refinance my home. In doing so, I will have more money for other bills and maintenance of the home. I then inquired if I may have a co-signer on the loan and was told, "Yes." I asked my father, who is a long-time business owner, if he would co-sign and he agreed.

After that, Adam never called me or my father back, until several messages were left in regards to the situation. When he finally called back, I was told that since my father does not live at the same residence as me, the underwriters would not approve the loan in a way that would benefit me the best. What they want to do is to refinance me at a 30-year loan at 5%. Now, why would I do something silly like that when I currently have 10.5 years left on a 20-year loan at 6.5%? The loan I am needing is a 15-year loan at 4.XX% with a cash-out of at least $10,000 (which I have enough equity in my home to take this out) so that I may pay off my $5,000 credit card bill that keeps escalating due to interest. The remainder amount taken out will help with year-end taxes and will replace my water heater which is about to die.

This would have been a win-win situation for me because even with the equity taken out of the house, I would have had a lower monthly mortgage payment, only 4.5 years added to the loan, and some money to take care of a few issues. But no, here I am with my credit card bill climbing, a higher monthly mortgage payment than I would care to have, a water heater that is about to quit, and wondering how I'm going to pay my personal taxes at the end of the year.

Wells Fargo opened a checking account for me yesterday and then denied my access to it today. They tell me that something in my past popped up and that they are closing my account. Now, I'm supposed to wait three weeks to get a cashier's check from them in the mail. We just moved to Florida and now have no money. My family has no money for food, gas, rent, or anything else as the bank has everything we had.

I have asked this creditor NOT to call my place of employment several times and they keep calling. How do I officially file the complaint with the company?

There was a fraudulent online withdrawal for $7,632.49 which was made last night, and this will literally prevent us from paying payroll and vendors. Wells refuses to put money back in to our account so that bills can be paid. There is nothing being done to prevent further withdrawals from being made or returning money that is fraudulently taken from our account.

I was co-signor on a car loan with my husband. We had just gotten married in June 2008 and he needed a car. His credit wasn't the best and mine was, so I co-signed the loan. However, Wells Fargo was still charging us 15.99% interest because of his low credit rating.

In October 2008 I was diagnosed with cancer and we fell behind in some of our bills and have a hard time catching up. However, we made all payments on the car loan up until this year when we fell two payments behind on the car loan. We wanted to re-finance the car loan at a lower interest rate thereby lowering our payments but Wells Fargo refused to do that. So we asked them to accept our future payments and put the two unpaid monthly payments on the "back end of the loan". Again, they refused.

Our next payment wasn't due until August 12th; however, on Monday, August 8, at 3:00 a.m., a tow truck backed up in our drive way and took the car. Now, we have gotten a letter from Wells Fargo stating that if we want the car back, we need to pay the full balance of the loan which is $13,000+ together with the towing bill or the car will be auctioned off on August 26, 2011. By then, we will be responsible to pay the difference between the amount of the loan and the amount that is gotten at auction.

We believe that these banking policies, in this economy, are just unfair and unjust. We had never missed a payment prior to this year, and for them not to be willing to work with us, is simply inappropriate and unfair. This bank in particular is out of control with the way they treat people. I also have other loans with them, which are all up to date and no payments have ever been missed. Isn't there something that can be done about these banking practices? We need the car. How am I to continue to get to my job so that I can continue to make payments on my other responsibilities?

I have requested Wells Fargo to send me documentation of my credit card charges where I approved overdraft protection.

I am disputing the charges and I did not approve the overdraft fees. WF did not send any of the requested documentation but they did take $300.00 out of my checking account and send the additional $143.00 from overdraft fees to a Primary Finance Collection agency, who now call me at work and at home up to 25 times a day.

I signed up for an ID protection plan through Wells Fargo and I cancelled it within a few months of having the service. I saw that I was still being charged, so I called again and they told me that it would be cancelled. Now over a year later, the charges are still happening. I did not notice over the last year because of the small amount of $12.99. But going through my account activity this morning, I saw it and searched all charges from the company and they had been charging me every month for over the last year. I called and again tried to cancel and get my money back. They were only willing to refund me for two transactions which is unacceptable to me. They told me that I have to write a dispute and send it in, which I have written and I am doing.

Here is a company that is supposed to protect me but they are the one who's taking advantage. I can see now that I am not alone. This company needs to be reprimanded and held responsible for their scandalous actions. I believe this is a lawsuit waiting to happen. I would like to see a class action lawsuit filed against this deceiving and conniving company.

Wells Fargo recently acquired Wachovia. During the acquisition, all users were required to convert their online banking accounts to the new Wells Fargo system.

I have both personal and corporate (C corporation) accounts. When performing the conversion to Wells Fargo, I was informed that when I access my personal accounts online, my Corporate accounts will also be accessible. Previously, I had separate logins/passwords for personal and corporate accounts, as is standard data security practice. I was informed by Wells Fargo that they do not support this and my unrelated business accounts will also show up in my personal account login. I explained to them that this is potentially a huge data security issue and they stated that there is nothing that could be done.

A few months ago, my personal online account was hacked and accessed from Mexico. Wachovia stopped the hack and my business accounts were never in danger as a result. Under this new "better" system, all of my accounts would have been breached. I am appalled that a company who should be as concerned about data security as Wells Fargo would conceive such an insecure system.

I intend to close all of my accounts at Wells Fargo and transfer them to a bank that actually cares about data security.

I opened a new checking account and deposited a check for $4,000 drawn from my Citibank checking account. I was told the funds would be available in two business days.

It is now two weeks later and the funds are not available to me. The account is either frozen or blocked. I'm not sure of the difference, but Wells claims the check I deposited was from an invalid account.

I've provided numerous documentations from Citibank, including general ledger, reference letter indicating good standing of the Citibank account since 2009. Also copies of the cleared check from Citibank.

It cleared my Citibank account 2 days later, as scheduled, but Wells refuses to return my funds, maintaining my Citibank account is not valid. I am very frustrated!

This was recently converted from Wachovia to Wells Fargo due to the take over. I have a substantial account with the bank. And I am an old customer of Wachovia. Recent changes in personnel led to a real downgrade in services, and to my surprise "racism". These predominantly white staff would not make an eye contact with the customers from other ethnicities. I had a question regarding an overdraft fee. And I went to see the store manager. She was rude from the get go and made some racial comments, which made me very uncomfortable. First of all, I was made to wait for 40 minutes. And some white customers who came after me were attended to. When I complained, I was told that they were in before. Finally after 30 minutes of discussion, she got up and left, saying that the branch hours are over. This is ridiculous. I lost 1 1/2 hours of my weekend time. And I was treated like a rag. This is my worst customer experience ever. Don't go to this branch if you are any other race than white.

I took out a cash advance with Wells Fargo. My cousin made a deposit into the account to add to the money I got from the advance. They took a partial payment from that deposit which they have every right to do. But I called and told them that was money to help me. They had no heart and didn't care. I received that deposited money two days after the advance to help with my emergency. Wells Fargo is a heartless company. I could understand if it was my paycheck, but it was money to help me in my situation. They just don't put any heart into their banking like credit unions. What they did was an option, they chose to take it though. Heartless uncaring bank!

ATM machine hook checks and did record balance. I went into the bank and was told "This happens a lot. Someone is coming to fix it; the balance should post to your account by tonight."

3 days later, I am still trying to get my MONEY posted to my account. I have called only to be transferred many times with no help. Now, the Bell branch informed me I can only take care of this in person. Why didn't they when I was there in person? They took fees out for overdraft, but how bout giving you your own back? Wells Fargo is going down hill fast for some customer service.

My daughter and her boyfriend applied for an auto loan with Wells Fargo. (The boyfriend had bad credit and could not get a loan in his name only.) Wells Fargo financed the truck.

About a month later, the boyfriend packed up and left while my daughter was at work. He took the truck and the financial paperwork on the truck with him. He would not make the payments and would not give her the truck. She called Wells Fargo and requested a copy of all the paperwork. She got copies in the mail a few days later. I was looking over the credit application and the information about my daughter's job and pay were false. She said the dealership employee took her information over the phone (she was at work) for the credit application. On her lunch break, she went to the dealership and signed the credit application. She said she did not check the information so she did not know about the false information.

My husband and I went to the dealership and talked with the owner. He told us that a lot of times, if someone has good credit (like my daughter did), the financial institution does not verify the information on the application. I would like to know if this is true and is it legal? Wells Fargo obviously did not contact my daughter's employer. If they had, they would have known that her position and pay at the company did not match what was on the credit application. My daughter found out the now ex-boyfriend had moved to Ohio and I called Wells Fargo with this information, which resulted in a repossession of the truck.

Wells Fargo has since sold the truck and is now calling her to pay the balance owed on the truck loan.

I bought appliances for about $3,000.00, and was offered Wells Fargo as a credit. The terms on the purchase was no interest on the first year of purchase. However, when we received the statement of the month following the year, we were charged the accrued interest of the previous full year in the amount of $867.09. We received a statement of accounts during the year we paid the minimum balance requested. The only charge we had was $1.00 per statement. Since I am not very educated to read their complete statement, the only part that I read was the summary of account activity because that what I was paying. It listed previous balance, payments, fees charges and interest charged $0.00.The new balance, credit limit, available credit, statement closing date (they wrote some dollar amount numbers on the bottom of statement, which I didn't understand). Therefore, I feel I was cheated.

I have a car loan with Wells Fargo which was suppose to be a 4 year car loan. this 4 year car loan has been prolonged to almost 7 years due to the extra interest they keep adding to the loan each year. I'm having an issue with the amount of times they call my house. I get a call from there representatives every 15 minutes. In one day a get at least 25-30 calls(I have the proof in my caller ID) I understand that I owe the money and I am making payments. If I wasn't the car would of been repossesed already. If I'm one day late I get at least 10 calls. This is HARRASMENT.

They withdrew $1,400 on February 2011 for a deposit I made on May 2010. They sent me a letter, told me they made an error in May 2010, that it was deposited in my account by mistake and after investigations, found out about the error. They then apologized for the inconvenience they caused us, but we were sure we did that deposit with another two deposits that same day. We submitted a claim and they told me to show them the proof or receipt, we don't have it because it had been 9 months.

They didn't want to show me their investigation for the privacy of their clients, but what about me? I' m their client also. I want to see the check, front and back that they deposited by mistake to make sure if it was endorsed with my account number. They did the same thing to my account for the second time in November, but they did not do anything. Please help me.

Do not do business with these thieves!

Truth in Lending missing in the original document. Wells Fargo send paperwork and images, but the signatures are nowhere on originals. Pennsylvania Law states that after many written complaint, the lender has 60 days to make things right. I never gave permission for any money to be taken from my bank account through ACH payment.

Due to these absurd withdrawals that Wells Fargo made on my account without my permission and knowledge, I am requesting $5,000 in overdraft fees as well as $7,000 for ACH withdrawals. I would also like $6,133.62 finance charges returned. $3,000 for the engine I had to replace and $2,000 for the warranties that they have forged signatures on and changed addresses without my approval. $5,000 for the four months extra since my loan was done in March. $20,000 for the time and energy I had to put in as well as the embarrassment and a messed up credit report, and the problems with local businesses and the falsification of documents. They misled me and when I was notified through phone call, the answer I received was "well, you got your title, what's the problem?"

I am being lied to this entire time with threats and stress when my car should have been covered with warranty. I will be sending copies through attached email. $48,133.62 is what will resolve this problem.

Run, run, run.

I am trying to pay off an auto loan at Wells Fargo. I have asked Wells Fargo to lower the 15% interest rate to 10% or 12% due to the economic down turn. Wells Fargo keeps giving me the run around. I have asked Wells Fargo to lower the pay off amount but they will not. Original loan amount was $30,000. To date, I have paid $35,000 with a balance of $7,779 owed on loan.

Wells Fargo will take bail out money from us tax payers but will not help the customer when they need help. All I asked was to lower the interest rate a few points. I have asked to lower the pay off amount with no success.

On 6/6/11, I made a deposit to my checking and another one to my savings. The checks were all from the State of California. I went in the bank to a teller since I had a total of 11 separate checks. I put two in my checking and 9 in my savings. The deposit to my checking was fine but the bank has lost all of the 9 checks I deposited to my savings. They did not tell me for a month.

When I noticed that the deposit to my savings was not there the following day as the teller said it would be, I contacted the bank. They said they would research it and a couple of days later the amount showed up in my savings. A month later, the bank reversed the deposit and withdrew the entire amount, which over drew my account. When I saw what happened I contacted the 800 number and they said they found that the checks were not mine and that they were two separate checks that were made out to a property management company and in different amounts than my deposit. I said "What?" I had a receipt from the teller showing the deposit. They said they would research it again.

A week or so later when no one called, I called and they said they sent me a letter. The letter said that they credited the deposit to my account in error. What??? They suggested I go to the branch I made the deposit at since I had a receipt. I did. The branch manager told me that the receipt did not mean that the deposit was legitimate. What???

I went to purchase a car from Lumberton Kia and Mazda on March 9, 2010. I then got in a wreck but it wasn't my fault, so I filed on my insurance.

The main office of my insurance got an estimate from the accident and mailed me a check for 375.00 with Wells Fargo dealer services and my name on it. Also they told me to mail it in and they will send one back out with my name on it to me.

They also told me that when they sell the vehicle, they will send me a check and ship me the vehicle I had at the time. I didn't receive anything.

I hope this mess their business up for doing customers. If someone soon does something about this, maybe it will be something to someone higher up soon. I'll get my money on this in a few days. There will be something done about this. They are a get over finance company.

About 2 years ago, before Wells Fargo took over Wachovia, I was a Wachovia account holder. I opted out of their overdraft protection system due to Wachovia's ridiculous fees that went along with it.

That being said, I had a mishap or a small miscalculation in my account balance. I made 5 small purchases totaling $25 (one for $4, another for $8 and one for $5 dollars, etc.) and I over drew my account for a total of $25!

Even though I had opted out of "overdraft protection", Wachovia let these charges go through and charged my account $70 per transaction! $350 total in overdraft fees, to let $25 worth of charges go through!

I refused to pay the fees and Wachovia refused to take them away. I deposited the $25 I was over drawn and closed the account.

I have created an IRA account since 2009. The exemption of zero annual fee is to maintain a certain amount in the brokerage account. However, I am not informed that the exemption was removed this year (2011) and I was charged $30 on my account.

Two months ago my made a deposit at this store. One check was made out for $900.00, the female clerk added another 0 to check number amount. My wife caught the error and made the clerk change the deposit.In July,"11 my wife made a check deposit for $300 and the same clerk changed it to $3000, only this time my wife was in hurry on her lunch break.That error cost my business account to default and start collect fees on none payment business checks.The manager Edward Brown at this store had not followed up with a sense of ergentecy.This is been on going since July 18th.

I went to the publix super market and shopped using my wells fargo debit card. At checkout, I chose to get cash back as this is what I would do as opposed to using a non wells fargo atm and getting charged both by the atm and the bank fee. Today I log onto my online banking account and find that wells fargo went ahead and charged me a $2.00 fee for ATM use .. they now tell me that they understand that I was never charged this fee for cash back at stores before but this is now their policy. I am now minus $2.27 in my account.

I have filed with the attorney general's office and filing here and i do wish to sue them for theft. They also charged me $15 for transferring money from my savings account to the checking account too many times online when previously I was told that if they have to access money from my savings account they would inflict a $12.50 fee for doing so. THEY ARE STEALING MONEY!!!! SOMEONE SIGN ME UP FOR A CLASS ACTION LAWSUIT AGAINST THE VERY UNSAVORY WELLS FARGO GREED MONGER THIEVES.

We were on track until Mr. Jim ** had sent me a voice mail stating that he was unaware that our home was a manufactured home, which he did from the beginning. Allegra even said she had messages that stated he knew. Allegra copied him and both of the supervisors on this, and the trouble began. They cut the offer with 65%, offered us pay off and 10k cash out. I was talked to as if I got him in trouble. His exact words were: "This is what I'm offering. Take it or leave it. It doesn't matter if I messed up. This is all you can get." So, we felt backed into a corner. We agreed to another agreement that meant nothing, unless they were out to something. I didn't understand why we had to sign so many offer papers when none of them came to be. Now, Allegra has even gone as far as to ask me if my husband has check stubs for his part time job. I was paying him under the table, because he should be making more. Even when I told her that was his part time job, not his full time, and if it rained they don't work, she was still rude. Now we were supposed to be getting ready for losing. And they want us to come up with $6000.00 at closing. We are going to cancel this. We are only out the appraisal fee. I will find another bank to get my loan from them.

Well I had many problems with them ever since I had to open a different account at the Covina branch. They have fixed that one but as for my new problem, I guess they're just trying to just make me pay. I spoke to Maribel, a banker, regarding my account asking why am I overdrafted with the fact that I had so much problems. I called to verify and she said I will call you right back.

An hour passed by, I called back and some lady answered and she said she was busy with someone else and she will call me back. So I waited (that was at 11) and then I waited for hours. 4:30 came and I said "Forget it, she doesn't care". So I called the number on my card and they said I have to pay it but half. I felt that this would not be a problem if she just payed attention to her customers. I would have never got this fee. Times are hard, why should a loyal customer go through this? I have been with them for 7 years and never had this problem until I went to those two branches

I have tried to call many times and have been transferred to several departments withiin Wells Fargo....and I always end up on an answering machine...I just want the title to my vehical that was paid for in full as of August of 2010...if I need to send in a copy of some paperwork that would be great to know or even were to send it...EVEN BETTER RETURN A PHONE CALL.

I have a checking account that waives the monthly fee if you do things like have a savings account attached to your debit card, direct deposit or automatic transfers to savings. I temporarily had no direct deposit and assumed that when I did, the monthly fee would be waived again. It wasn't. In fact, since I didn't notice until the second month, I could only get half of the first month. Why, because I "asked out of order" and also "agreed to a partial refund". So if I had said that a partial refund was unacceptable instead of saying "ok" when I was told I'd only get a partial refund, I may have had a chance at getting my money back.

What I have learned is that if you want to be treated fairly, you must demand fair treatment and never show a sign of letting them get away with less. Since it is their policy to take what they can get and apparently, have it written into their system to disallow a reversal of a partial refund once the customer has agreed to it. So Wells Fargo now has $7.50 of my money when the products assigned to my account were wrong. That is something I cannot change on my end and can only be done by or remedied by a Wells Fargo representative.

I can let it go now that I'm writing this complaint, but when I think about how many consumers are likely having their money stolen from Wells Fargo, $7.50 at a time, it adds up and show that customer service is only for the very vigilant. I was told that if I had noticed earlier, they could have done something about it. As if they were very generous to give me half of my money back for their mistake.

On June 4, I took $2,100.00 in cash from the sale of a motorcycle to the Wells Fargo ATM. I was somewhat uncomfortable about using the ATM for that amount of cash, but I was more uncomfortable about keeping it in my home. I counted the cash before leaving home and in the driveway of the bank before placing it in an envelope and indicating on the envelope the amount of the deposit. I then put the envelope into the ATM, retrieved my card and went home.

The deposit showed up online on Monday but so did a deposit correction memo from the bank stating that the envelope had only contained 11 $100.00 bills instead of the 21 that I had placed inside. I was only being given credit for $1,100.00 instead of $2,100.00. I immediately went to the local branch and spoke with a woman I considered to be the head teller about the problem. She contacted ATM services to initiate an investigation.

When I returned home I began to look at all the transaction information contained in my online account. There was an image of a ticket filled out and signed by two tellers stating that the envelope had only contained $1,100.00. On this ticket, there was a space for the tellers to indicate if there was any discrepancy with the amount I was claiming to have deposited and the actual cash that they counted. This space was not filled out. I met later that day with the branch manager, the lead teller and one of the tellers who had signed the cash count ticket. When I asked her why she had not indicated a discrepancy in the space provided for such an incident she replied, "I'm sorry. I don't have a reason."

The branch manager claims all cash ATM deposits are counted under dual control and the teller I was able to question was the second teller to sign the cash count ticket. I have not been able to ask the first signer any questions because the bank now says they will be investigating.

I received a final disposition from Wells Fargo saying that they could find no evidence that the envelope contained the money that I had indicated when it was deposited and that therefore, the deposit would stand at $1,100.00. I strongly believe that I am a victim of teller theft and am considering taking the branch manager and the two tellers who signed the cash ticket to small claims court and letting a judge decide the question.

My husband is having some issues regarding with Well Fargo Dealer Services. They are stating that he owes almost 700.00 dollars on his account. We are very surprise and concern about this issues due that we have submitted every month our payments, we have been delayed but never miss a payment and we have also been sending a little bit more to the account. Previously our account was with Wachovia and then our account was transfer to them. I send them an email requesting in good faith they solve this problem, we are afraid in the way Well Fargo is conducting our loan and fear that they will repossess our Van. Can someone help?

I sold a home on April 28, 2010. A year later, I was contacted by Wells Fargo to reimburse them for taxes. They said they paid to the city. My loan was with GMAC, not Wells. Wells told me they paid taxes on the property that was sent in a wire, and the wrong property number was hit by someone from their bank. I refused because they were not the previous lender or the current lender. Now they have sent the information to a collection agency. I never had a loan with Wells on this property; any mistakes they made were done after I sold it. My HUD shows all taxes paid and the city has no record of this. I am concerned they will try to ruin my credit.

Yesterday, on July 25, 2011, customers at Wells Fargo Bank were unable to access their safety deposit box due to their malfunctioning safety deposit vault door located on 200 S. Biscayne Blvd., Miami, FL 33131.

Further, their bank tellers often pressure customers to open a savings account every time one makes a counter deposit.

Their bank tellers' sales pitch (to open a new savings account) are utterly ridiculous especially in light of the fact that Wells Fargo CANNOT even guarantee their customers' access to their own safety deposit box within a reasonable time.

While trying to set up a payment arrangement for my car payment the customer service rep Derek was extremely rude and demeaning. He wanted to know where I spent my money, why I thought my car payment wasn't as important as my other bills and if I thought my car was just a luxury that was expendable.

After 20 min of validating that I was having financial hardships and conveying that I had made my payment on time for the last three years he finally told me I could make one payment instead of two.

I started crying and my husband got on the phone and told the man that he didn't appreciate the way he was talking to his wife. "Derek" told him that he didn't have to do anything he said and that he was the boss and god there.

I told him I would make a payment today but I no longer wanted to speak with him and that I wanted to talk to a manager or another rep. He told me that he that is not how it worked there and ended the call.

I tried to call back three times. The first time, I was hung up on once directed to customer service. The second time, I was sent to an answering machine for an insurance rep. Finally, the third time I was able to reach someone to make a payment. When I asked the name of the rep that I had just talked to she gave me his name but said that they hadn't broken any policies.

I called Wells Fargo phone bankers for help when I had my purse stolen out of my home. My pin was accessible also to my ATM and I made sure that they were aware of that. I repeatedly told every single solitary individual phone banker that I was chronically and majorly disabled (my type of disability is mental and severe) and for at least four to five months, I would not have transportation or access to a bank! So I filed a Lost/Stolen. I know everything about WF's procedures and how these lost/stolen are processed because I was a phone banker for Wells Fargo from ** and was one of the best performers in ** So I explained that there were two charges that couldn't possibly be mine because I have no transport and my roommate was out-of-town for over one month when this fraudulent transaction occurred. I had to call three different times because each phone banker didn't know how to proceed, they didn't even know what a lost/stolen was! Finally, I started my claim and insisted that they do not open new accounts at that time because I was not sure of the extent of the fraud, possible identity problems and I wasn't going to take a chance with the thieves today! Well new accounts were opened and like I expected something came in about three weeks later and overdrafts began over and over just like Wells Fargo is famous for.

Unaware of this situation, I was extremely upset when I got the call. At that point, I said that I would deposit money into the account to cover it from my parent's account but, of course, I didn't know the new account number. WF will not tell me the number over the phone or email or text, nor would they send me a letter because WF had already sent out a previous letter with the account number. I believe, I informed 25 different phone bankers, supervisors, and fraud department bankers that I was not able to even get within 100 miles of a WF in the next two months. It's like talking to a rock, nothing! No attempt to try whatsoever.

Never in my life have I hated a company so much. Then I spoke with three different fraud customer service representatives and explained what occurred with the lost purse. I did not expect the claim to be denied because it was 100% fraud without a doubt! I will never do business, nor will I ever tell anyone to do business with WF ever. You have the worst customer service representatives I have ever experienced. When I worked there, the company was forcing out all the long-term excellent phone bankers and supervisors so they'll hire garbage. Congratulations on the worst most uneducated disrespectful group of new phone bankers.

Now my checking and savings are both overdrawn and in collections now. I now am able to go to the bank and get my account number so I could deposit money that I feel WF stole from me. But right now, I have better things to do. My insurance was cancelled because WF kept returning my automatic withdrawal over and over that the insurance company thought I was unreliable. I paid my insurance in time by mail, but because you kept sending it through over and over, it made me look bad so they cancelled with me and charged me four times $30 for return check charges. I pay 60% of my income in medical bills and have been doing this for the last three years so that is a lot of money to me. Plus they call on my cellphone, which is pay as you go, and your collection people call about 8-10 times a day leaving messages which costs me 8-10 minutes on the cell. This has continued for the last months or so.

I refused to pay for a $40 atm withdrawal and a $29.00 safeway charge when it was a certain fraud and I was told in so many ways by WF that it was. Plus they tacked on a ton of overdrafts. I know that I will never get anything from my complaint but at least I get to tell how horrible and greedy they are.

Can you please get back to me with your info? My fiancee owed $3300 left on his truck he's been paying on FAITHFULLY for 3 years. He had NEVER missed a payment, and has immaculate credit to back that up. Payments were $170 month. They also added $900 insurance policy to his note 4 months ago, even though they have all the info for his insurance, and refused to remove from the loan amount. To make a long story short.... He got laid off May 6th. He was fighting with unemployment for 2 months. He stayed in contact with Wells Fargo throughout everything. He advised them when he would get his 1s check, and they agreed to hold off on "collection efforts" until that date. They called about 6-10 times a day, even though is a violation of the FDCPA Laws.

The date of his 1st check was 7/15/2011, which was fine with them, and they OK'd. Unfortunately, they repo'd his truck on 7/13/2011, which was 2 days before it was due. Its sad, because I have a serious illness that puts me in the hospital at least 2-3 times a month. They day they took his truck, he had called 911 because my oxygen dropped so low, I was turning blue. They were putting me in the ambulance as the repo company pulled up. He told them he has arrangements, and that he needs to get to the hospital to be with me. He was told, "You need to take that up with them, and you're more than welcome to go to hospital, but youre not taking this truck," and they demanded the keys. We just went today to get his stuff out of his truck. The truck is now 4 hours away in NY, and they just threw his stuff in a trash bag an left with repo company (who charged him $35 for a 1/2 full trash bag of his stuff). All he owed was 2 payments of $170 and he was fine.

Hes called countless times, and they are so cruel and ignorant to him. So....they took his truck over $340 being past due. They want $1150 + repo fees + mileage + wear/tear + Unemployment forms to get the truck back. Once we do everything else they want, then we have to drive 4 hours to NY to get his truck.

Wells Fartgo will not straighten out my account with my truck and continually make excuses that they never received paperwork from me. They are trying to scam me stating I didn't keep insurance on the vehicle even after they were sent multiple faxes proving so. They have done this to many people(proof is in the reviews). Their customer reps have made unbeleivable, snide,and rude comments to my wife, call me 16-20x per day, 7 days a week. I am only 1 month behind but can't get them to cooperate. They want me to pay for actions that they ordered.

i made a mistake and deposited a check from a closed account to my checking account. instead of the bank allowing me to take care of the situation. the closed my accts and have not released my funds.

I have communicated with Wells Fargo regarding the misrepresentation and mismanagement of my son's student loan of which I am a cosigner. Same as others, I am relentlessly bombarded with phone calls at home and at work multiple times a day. I have instructed Wells Fargo's e-loan servicing center how payments received are to be applied. My son will make a payment, Wells Fargo will lose it, he makes another payment and when the second payment is received both are posted to the account with the same date and to the current month not to advanced months yet due. Wells Fargo agents will contact me and as with others tell me the account is delinquent when the account is in current status.

Wells Fargo always will ask for a double payment. Again my payment and my son's payment are posted with the same date and applied to the current months payment and not to advanced months yet due According to the on line statement of Payment History there have been ample payments made to place the account in good standing thru November of this year. I am too frustrated with the account mismanagement and undeserving relentless phone calls. I for one, would like to file a class action law suit against the accounting practices of Wells Fargo and the e-loan servicing center for their misrepresentation and mismanagement of student loan accounts. If anyone reading this knows how to make this happen they would be helping the multitude of suffering individuals. Our tax dollars bailed out these financial institutions who are making us pay and bleeding us dry just to keep them alive. As tax paying citizens Wells Fargo should be made to provide some restitution for the use of our tax dollars.

In June 2010, an administrative error was entered on my retiree health insurance account with Wells Fargo Bank. My insurance was subject to cancellation; but with much work with the Wells Fargo Retirement and COBRA Service Center, the error (caused by Wells Fargo personnel) was corrected. And in November 2010, I was fully reinstated and assured that in the renewal period for the coming year (2011), my health insurance would be in effect. In January 2011, a notice was received from Wells Fargo Corporate Benefits that my insurance was cancelled. The reason given was that I had enrolled in a Medicare "Plan D". I had not; but due to some adjustments that must have had to be made to correct the previous Wells Fargo error, something must have been entered somewhere to provide this false information.

Wells Fargo Corporate Benefits then informed me on March 9, 2011 that I had 120 days from 12/31/2010 to provide a written documentation from Medicare explaining that there was an administrative error which caused me to show enrollment in "Part D". In effect, I was told to ask Medicare to correct a mistake originated by Wells Fargo. Medicare told me they would not provide any such letter but would provide me with current enrollment coverage. This showed coverage only in Part A and B, which was provided to Wells Fargo Corporate Benefits.

On June 9, 2011, Wells Fargo informed me that this was not acceptable, and my request for reinstatement was denied. According to Wells Fargo, the Corporate Benefits has "sole and complete authority" regarding eligibility for enrollment in health plans. Even with the facts provided them by Wells Fargo Retirement and COBRA Service Center, they refused to change their position. I am beginning to believe that this is a deliberate decision by Wells Fargo Corporate Benefits to rid the corporation of its obligation to provide retiree health benefits.

A dispute from my credit report from September 2007, for $1.00 incorrect. Now shows $400.00 on my credit report for late fees. However, Wells Fargo sent me a refund check

In March I contacted Hotels.com to make a reservation for a spring break trip for my kids & youth pastors from our church. In the course of a conversation that lasted approximately 30 minutes I ended up telling the Hotels.com rep to cancel the transaction as they did not have sufficient rooms to accommodate the three families traveling together as their website indicated. At the beginning of the conversation they had three rooms available, I gave my information, I was put on an extended hold only to have a rep inform me when she returned that only 1 room was available.

I cancelled the entire transaction and hung up. Hotels.com forwarded the transaction to the hotel anyway and I was charged for a no show. There is no confirmation on my part that this "reservation" was ever 100% authorized. This is fraud. Out of my realm that Hotels.com could still forward my information as a legitimate transaction to the hotel without my knowledge or consent. My bank, Wells Fargo, is standing behind this unauthorized transaction! The claims department informs me that since I gave out my debit card number it is considered a legitimate transaction.

Whatever! No different than somebody calling up a company to buy a product, ie, only to be told that the item is on backorder, then say the answer is no & you tell them to cancel the order altogether. This is exactly the same scenario. This is the way Wells Fargo treats a longtime customer since 1999. What has happened to my bank?

Additional fees added without any noticification. They have a 12.50 fee when you transfer money from your savings account to your checking. practically stealing money.

Recently wells fargo took over Wachovia but assured me that my account would still be in tact with all the services I'm accustomed to. I went to deposit my husband's paycheck at the bank's atm -- a practice I have been doing for well over a year now. He'd sign the check and I'd sign under his signature and deposit it.. well on June 16th, 2011, I went to do this and immediately saw a message on the atm screen that the funds would be placed on hold for 11 business days.. and the reason given was because their risk models indicate that there would be reason to believe this check would be returned unpaid. Strange as it sounded, I decided to call them when I returned home.

It was explained to me that this was just a glitch with the atm and that the atm corrected itself.. that if I noticed the $100 allowance from the deposit was in my available balance. I was then assured that the funds would be available from the rest of this check the very next day. On the 17th, I logged into my online account with this bank to see that the funds were not available. I called and spoke with a rep who went to explain that wells fargo is rather strict and I'd be required to take my deposit receipt to the branch to access my funds.. as queer as that sounded to me, I was not able to get to the bank today so I wrote a follow up email expressing my disappointment and concern about this causing a problem and creating an inconvenience.

After all, it would require me to waste gas driving back over there because of this nuisance problem that could not be fixed albeit they acknowledged my having made this deposit once I passed all their security questions by phone. Later in the evening, I get a response back now informing me that they have decided to mail the deposited check back to me. This is very unfair an unusual treatment in my honest opinion as what took place was my husband endorsed the check over to me and I went to deposit it.. simple as that. Now they are creating an even bigger problem tying up the funds $658.00 for 10 more business days! This is ridiculous.

I applied online for an unsecured personal line of credit for $10,000. Based on my application, the online results clearly stated that my apr would be a variable rate of 13.25%, so I accepted the credit with the understanding that was going to be my apr. When I received the first statement in the mail, it said my apr was 16.25% and an "overlimit fee" based on that amount had already been reported to my credit score. I had numerous conversations with different supervisors in which they promised me the matter would be resolved.

It took two weeks of pestering by me before I got the answer that 16.25% was going to be my interest rate, based on some magic math that was NOT disclosed when I accepted the credit online. I was told that my only option would be to close the account and pay back the entire amount of the line of credit, and that I was "on my own" in regards to my credit score. If I had know that Wells Fargo practiced these kinds of bait and switch tactics, I would have told them where they could stick their line of credit from the beginning.

I went to a branch of wells fargo and told one worker that I would be closed my business in April. So the worker called other branch to tell my situation and she told me I had to pay penalty $500 and return the equiment with a check for other penalty $572.40. so I did everyting in may 3 what they asked me. however they still take bankcard interchange fee $237.16 + telecheck 30.20. According to the telecheck worker I have to pay $30.20 till july,13.they have one month notice to cancel the service. No one explain this policy and even the bank worker doesn't know.

Wells Fargo repossessed my vehicle on 03/18/2011 due to I defaulted on my car loan, which was originally with Wachovia Bank. The balance on the loan was $3,213.12. I received a letter from Wells Fargo Dealer Services that my vehicle was sold at auction on 04/19/2011 for the amount of $13,100.00. After deducting fees, the letter stated there is a surplus of $8,885.45 that is to be returned to me.

Two times, I have contacted the number Wells Fargo Dealer Services provided. I was told that I would receive a check for the surplus amount of $8,885.45 within 45 days after the sale of vehicle. It has surpassed the 45 days and I still have not received that check. I tried contacting Wells Fargo Dealer Services regarding this matter. Which now, I am only being diverted to a voice mail and am not receiving any return calls. I ask for assistance to resolve this matter. Any help would be appreciated.

I need the money owed to me by Wells Fargo Dealer Services to purchase another work vehicle. I am the sole provider for my family. The longer Wells Fargo Dealer Services retains my money owed to me, the more difficult it is for me to work.

The telephone customer service agent told me that on one of the ten accounts that I had opted into, have overdraft protection so they could charge me $35.00 for each and every check card purchase I made. I didn't want this so I did not opt in. They said that I did and refused to provide me proof. Over the last six months, it has cost me $1200.00. I thought my teenaged daughter spent the money because it is on her card, but I found out that they charged me $35.00 about 25 times. I need help. They won't provide that I signed up because I didn't sign up. How convenient.

I had to change my electrical box in my home and Mister Quik submitted a financing form, Wells Fargo accepted it and sent me a credit card also. Within a few months, I started getting charges I didn't make on the card and I sent a disputed letter to the address they gave me. I also asked for a new card number. They kept saying they never received the letter disputing the false charges, so I sent another and still they never received it. I finally went to a Kinkos and had it faxed to the number they gave me. It still took several days to reach them. This doesn't make any sense since a fax goes straight to them.

They took off some of the charges and kept others saying they couldn't prove I didn't make them. I was angry and closed my account. When I got my last statement, there were more false charges to the new number and charges that came after I had closed my account 3 weeks before. They said the (false) charges hadn't caught up to the card, whatever that means.This company has poor customer service or serious security breaches and should be avoided like the plague! I could not even check my account online. They only let you make payments so I couldn't monitor my own account. Horrible service!

I am considering signing up for something like Lifelock. However, if it was someone inside Wells Fargo who was causing these false charges, I'm not sure how a place like Lifelock could help me recoup my loses since someone inside Wells Fargo also has my other information to make it really look like I made these charges.

I was two months behind and about to be a third month behind when they told me they were going to repossess my car. They said they needed something around $720 or they would obtain the vehicle. I only had $650-ish and that is all I had to my name. I told them I would make that payment that day and make arrangements for the rest. I was unemployed for an entire year so some payments were late and such but I always got them caught up. They refused to take my payment of $650 at the time which forced me to buy another car. Can they legally refuse my payment? Then, they contacted me recently to tell me that they sold my car at the auction for $6800 which left the loan $2700 short. They said they will erase my repossession if I pay $1800 of this loan now. They then said that they will garnish my wages for the $2,700 if I do not agree to make the $1800 payment now.

On Feb 18, 2010, an error was made on my account. I can't seem to get any one to look at it and correct it. Every month someone calls, but only for collection. I have faxed my payment history and had Mr. ** call and faxed my history and no results. Stop calling me for collection and fix my account. I am not late I am one month ahead in payment.

Distracted, I often keep my account low to minimum to pay bills. I awaited the ending of a one-year contract to end due to shady events by the merchant with a previous confrontation over illegal acts by that company. It was a hosting service. Five days before it was to end, I get a notice of an unauthorized sign up for another contract which I did not authorize through Wachovia Banking online, using my past ATM card. I rushed to stop it as the price they charged was outrageous. Wachovia said it was legal, because if a person had my ATM numbers the bank considered it "pre-authorized."

I recorded it as awaiting authorization and went back and forth in email with the merchant and the bank employees. I sent to the dispute office. I began to grasp a hostile environment, so returned to attempt to thwart it myself, gaining all but $19.00 back. I then could not get the man to return the rest and emails show I was ordered to accept the new contract or else. Contacting Wachovia, I again explained to them what was transpiring, only to find unusual reactions. After some time, I began to realize it was coming from a crew of African-Americans and often heard laughter in the background of snickering, prompting me to begin wondering if this was a discrimination act by dispute office.

In a short time, a man called me from the dispute office, to inform me, he was "going to settle this" very angrily due to what he knew I was filming out of my account. The other merchant was threatening, now Wells Fargo dispute were threatening. He told me that I was going to speak 3-way on the phone with the merchant,and I refused, he was yelling on the phone, I had already filed a complaint with another state on learning the merchant did not have a license to operate in the U.S. As he claimed, so it was going to likely be a criminal investigation, thus no contact was what I needed to do, not thinking Wells Fargo under the dispute who had taken over Wachovia disputes were even involved. I hung up on him after several refuses to prevent discussions.

Within a minute, I had a call back from the man, who claimed he now had the merchant on the phone and I was going to talk to him. I told him off and hung up. Wells Fargo staff then authorized the man to remove the $19.00 out of my account without my consent. Sounds innocent? No. The forced payment of an unauthorized amount to this merchant against my will, locked me into another one-year contract and while the bank dispute office claims it was up and up all my paperwork, all my letters and emails clearly show in no way had I agreed to this.

I was sending messages to Wachovia-Wells Fargo, I had not approved this before, during and after. Gets better; still arguing that they did not have the legal right, they then, after I had gotten the refund, and had refused to allow them to be involved, refused to send the consent form they demanded I fax over that they could take actions, hid a "Courtesy Provisional Credit" added to the account, after I had gained the partial refund myself minus the twenty. At the end of the month, this appeared in the account, along with the sudden removal of it causing the overdraft. Then, as we are arguing they intentionally inflated and deflated my account out of spite, and to gain the overdraft, they hid another small one while the first had not been resolved. Causing yet another overdraft.

I have refused to pay either and have refused to place anything into the account because I have the evidence showing: 1) They were not authorized to act on my behalf as they did. 2) They locked me illegally into a year contract against my will. 3) They posted the amount after I had gotten the refund, their records show, meaning there would be no need for it other than to intentionally inflate the account to do what they did. 4) They provided me absolutely no notice they were doing so (only later did they claim they had sent me the so-called letter though, trust me they never did). 5) They hid the next item in the upcoming situation from me as I was taking pictures of the account almost daily.

I will not pay these, but right now they owe me an estimated $1,200 for forcing me into a contract against my will out of the dispute office. Suspecting these are not bankers as they claim, I did research. They are not, most of them are part-time employees whose requirements barely demand they graduate from high school. They are in fact telemarketers and answering services. The background shows it is a sub-contracted part of Wachovia-Wells Fargo under Diana **, Group Executive Vice President, Wells Fargo Customer Connection and it is all a ruse to the customers. They created what they call the 'Executive Office Secretary' which is to be the higher level and inform the customers this is the Executive Office of the CEO and Board. It is not.

It is set up to to protect the company. It is simply a branch of the online service telemarketing. They state they engage in sending complaints to the Executive Committee. I did not buy it, and I was right. One finally admitted this was also simply employees who supposedly got together and sent out letters, which by the way, are not sent out but appear on the records as having done so. It's all a ruse and front for the company of Wells Fargo CEO to gain protection and fool the customers. None of them have positions worth mentioning and almost all have developed the bait and switch game of telling the customer they would get a supervisor, the supervisor is simply a co-worker, having been GM, you know the game. They kept slipping. They would have to get the manager over them, which for customers, supervisors do not have managers. So it's all fake and meant to thwart the customer from real service the laws and SEC require them to have for consumer protection. I was sent a letter when one of the so-called online bankers claimed, WellsFargo and Wachovia could and did rotate funds as they chose when they chose in any order they chose. In writing. By staff. Proud of it. Daring me.

It was then I began doing research, absolutely certain that Wells Fargo had assisted in creating the situations and there had to be more. I learned of the massive class actions already going on, even in Florida. Then, when I began to suspect discrimination as well was going on, I and my friends started checking overdraft complaints as we found them online, there I was again correct. There is a misappropriated amount of complaints from women who have encountered the Wells Fargo dispute office and all have very strange stories to tell. From what I can tell, it's running 80% complaints of white vulnerable women by comparison to men. Then, I decided there had to be cases of discrimination I knew nothing about and today I was right, there is a class action of discrimination going on of female employees in Wells Fargo-Wachovia which supports what I found so far. Not only are the female employees being discriminated, so too are the women in the community and it appears to be greatly generated under white American women from a power group within the Wells Fargo Corporation and Wachovia. I won't list the hundred of thousands of lies told me by staff, but I will say, I gained a lot of their names and documents.

At one point, a local manager was giddy claiming she had a letter from the fabled "Executive Office" on file and she would just send me that. I let her. The letter incriminates them 1000% but because they are not trained and are simply telemarketers, they did not catch the contents of the letter she sent. They now claim that they do not have a copy of it, and I said, well, that is really bad, since when I told you there was no letter sent to my home as you claim. You said, "We sent it, we have it, we can't prove you got it, that is all that counts." was now applied. I had it, they did not, and they could pretend I sent them a copy of it as they claimed I had been sent.

Often, they claim they can not access Wachovia accounts from Wells Fargo. Complete fabrication. When the company learned at Wells Fargo that I had as much evidence as I had, the online staff immediately accessed my account. According to the local authorities, Wells Fargo is Wachovia. I spent an incredible amount of time fencing off lie after lie by this company and its staff.

Looking for a financial adviser in San Rafael? This is a warning that goes out to everyone in San Rafael... Tom ** is a financial adviser who cannot be trusted. Save your time and your money.

This is extremely urgent. This company has contacted my job over the last few years after being told several times not to contact me at work. A former complaint has been made on this company in 2008. More recently (today) after being contacted on my cell phone at 12 noon and telling the agent (Hortencia) I was in a meeting and will call her back at the end of the day, the agent (Hortencia) and her supervisor (Donna) continued to call my work phone over 15 times at one time. They contacted my supervisor (in which the message was forwarded to me via email).

Hortencia also contacted my unit secretary and questioned her about my position and why I don't return phone calls to jeopardize my job. Hortencia played like she was a mother of my client and after my secretary asked who was the client she was calling about, Hortencia hung up on her. My secretary is willing to give a statement about the phone she received with Hortencia and I have the message Donna left on my supervisor's phone along with several other message they have left on my work phone flooding my work mailbox (which I have service 81 clients) prohibiting them from contacting me.

This interferes with my work and could potentially get me written up. I have worked with Hortenica in the past in setting up payments for my car note and has made it very clear where I stand financially. However, they continue to jeopardize my place of employment, to no avail. I need someone to contact them immediately as they are jeopardizing my place of employment.

I am a disabled Marine from the Iraq war in 2005. My fiancee and I bought a nice little house in Waupaca, Wi and started a family. In 2009, we had a house fire that took everything away from us, including our four cats. The insurance company came out and awarded us $147,000 to rebuild our house. Well, that's fine until **** said that they will give us the money and they will give it in thirds. The house itself was $47,000 and according to my calculations, it is about a third of our funds. We had to beg and plead just to get the house started until they finally got us a sub-floor. We finally got to start our house, 1 year later.

We have had contractors that were not yet paid for their work in 2009 and now they are going to put a line on the property. Our insurance company said that it has been too long and they won't pay for our rent anymore. So now, if **** is not going to pay to put the house finished, we are going to be homeless. They have made a lot of mistakes loosing money, misplacing money and putting us in a real bind.

I am a co-signer on an auto loan for my son. On Feb 25, 2011 I was contacted by Kevin at Wells Fargo Dlr Services and told that a payment of $454.00 would have to be paid that day. This was more than I had in extra funds on that day, so I asked to speak to a supervisor. I was transferred to Shene (sounds like Rene). I explained the situation, then Shene proceeded to tell me that she would not accept $454, she wanted $915. Before I could reply she then told me she was going to repossess the car that day.

I asked several questions to try and understand what had happened and what were my options, but over the next few minutes, the conversation went from bad to worse. Instead of answers and options, I was threatened, insulted, mocked and basically called a liar. I asked to speak to her supervisor as I was getting nowhere and I wanted to know what my options were to get the debt back on track. At first, she refused to transfer me to anyone and stated she was the supervisor. I insisted on a name and number. She gave me Anthony at **. I asked if she reported to him. She repeatedly stated that he is a supervisor or the "next step" whatever that means.

Finally she gave me Rena **. Just so I understood completely what she was demanding of me, I asked Shene what needed to be done to stop repossession. She told me that a payment of $450 would have to be made on 2/25 and another on 2/28 (before the end of the month) to stop the repossession. She told me that the past due amount would then be $589.62 and the next payment was due on March 13. I asked her about payment options to get caught up on the past due amount and told her that I would make arrangements with my son to direct deposit money into my account and that I would personally make the payments on time from now on. I then used money gram and made the payments as requested, then I called Kevin to give them the conf # on 2/25 and my son called to do the same on 2/28.

After the first payment was made, I attempted to call both numbers Shene provided me and left messages, but neither person called me back. I also called customer service to complain about the way I was treated. I felt it was rude and a waste of time to listen to threats and insults when I was trying to understand what had happened and what needed to be done to fix the problem. However, even though I told customer service that I did not believe Shene had given me the name of her supervisor and that I never wanted to speak to her again, they ended up transferring me right back to her. Customer service did tell me that all of the numbers I was given were people from the same department. I was never given the name of Shene's real supervisor or a person who I could work with to resolve the problems. I then filled a complaint in writing online.

What makes matters worse is my son has been taking the bus to work because the car has had so many problems since he purchased it, that he could not afford to fix it again until the payments were caught up.

Wells Fargo lied to me by accepting the late payments, stating to me the next payment was due on March 13 and telling me the only repercussion for the past due amount of 589.62 (which included late fees and insurance) would be the late fees and daily interest, and then they repossessed the car anyway without any warning on March 8 (5 days before the next payment was due).

Why would a bank do this after I worked so hard to help my son get caught up? I assured both Shene and Kevin that I would make future payments myself, on time, from now on. I have no idea what to do next, because I can't believe anything they tell me at Wells Fargo Dealer Services in Pleasanton, CA.

On 01/08/08 we, Charles ** and Karen **, purchased a new vehicle and it was financed through Wells Fargo Consumer Lending. I co-signed for the car for Miss ** and she was to make all the payments until the car was made in full. She was also under the understanding that if she did not make the payments, I would then obtain the car. On November 2010, I started to receive calls from Wells Fargo stating that the payment was late and it had not been received. I then called Karen to ask where the payment was and I found out that the phone was out of order. I then called her mother and she said that she would get the message to her. The payment was then made but the next month, the same thing happened so I tried to get ahold of Karen and her mother turned her phone off as well due to all the phone calls received by Wells Fargo. They would start calling at 6 in the morning until sometimes 9:30 in the evening. They would call me everyday, sometimes 5 times a day. They where rude, unprofessional, decrementing, and unreasonable. I stated that I did not have the car and they should contact Karen **. They told me that I was the main signer and I was responsible for the payment to be made. I explained to them that I did not have the car and I didn't know where it was. In speaking with one of the reps, I was given the address of Las Vegas as to Karen's listed location with Wells Fargo.

I then flew to Las Vegas with a key that I had made through the VIN number. I went to the address that Wells Fargo had on file and I did not see the car. I also went to the police station to see if I could somehow get the car or report it missing. They stated that the car was under her name as well and there was nothing that they could do. One of the officers stated that I could file a report for embezzlement, but I would have to send a demand letter first. I also went to DMV in Las Vegas and I found out that the registration was late and the insurance had lapped, and there was an additional fine on top of it as well. I flew back home to send a demand letter of my request, bring the payment up to date, or give back the car. I heard nothing.

Wells Fargo was aware of every move that I made and they knew that I was trying so hard to get the car back but still they had no compassion. They where only interested in the payment. I also tried to refinance the car in my name only, but I had to have the car first. I then drove back to Las Vegas to file a report to the police station. I spoke to an officer and he called the auto theft department. I found out that I would not be able to get Miss ** for embezzlement, so I then drove back to where Miss ** lives and waited and then bingo, she finally came home and I got into the car and drove off. I called the police department to let them know that if they received a call that the car had been stolen, that I am the owner of the car and it was not stolen. They asked why I was calling them and I told them that I'm calling just in case Karen ** calls.

I then flew my nephew to Las Vegas so we could drive the car back to California. I also made 2 car payments to bring the car up to date. These late payments were not reported to any credit agencies. Miss Verna ** kept telling me that I have two missed payments. I made good on them and if she were to really investigate all the calls made to me and to them, she would see that there were no missed car payments. Sure, there may have been a returned payment, but that was due to Miss **. In the mean time, I was still trying to get the car in my name only. I spent many hours and time on getting all of the info that they wanted to refinance the car. At that point, I gave up on the refinancing knowing that Karen could come and get the car anytime and drive off as well.

My nephew had the car for about 5 months and I always had to remind him to make payment and this car had caused me nothing but heartache. I also paid the registration and I brought everything up to date for California. I was only doing my best to save my credit and make good to Wells Fargo, but they were still rude. I decided to get the car back from my nephew, sell the car, have the loan paid off, and get rid of Wells Fargo. I also went into Wells Fargo Bank in Alamo, CA and spoke to the Branch Manager. She told me that I should contact the auto department and see if I could do a settlement. I did that and I was denied. Wells Fargo stated that I did not have a hardship and they would not help me. I asked how they reached their decision and they stated that it was based on my 2008 finances. This is now 2010 and they have no records of my finances at this time. I have been on disability due to HIV health reason.

The car was Blue Booked at around $6,500.00 and the loan out standing was at $9,700.00. I placed the car for sale at $8,900.00 and found a buyer who would pay $8,500.00. I would pay the remainder, no problem. The buying party and myself went into the bank and made payment in full. They made payment of $8,500 and I about $910.67. I also had filed to the Better Business Bureau. I received a call from someone at Wells Fargo and we spoke for about 30 minutes. She would have to contact her legal department and would call me back. She then called me within 30 minutes and stated that they would accept the settlement of $8,500.00. I stated to her that I made payment and I wrote a check for the rest. She stated, "I wish you hadn't as it will make it more complicated to get my money back to me." I stated to her that I could go to my bank and stop the payment and she stated that it would be the easiest way. Not at anytime did anyone state to me that this would be listed on my credit report as settlement.

Almost a year later, I went to buy a new car and they stated that I have a settlement on my credit report. If I knew someone at Wells Fargo, I would have taken the time to explain what the outcome would have been. I would have never excepted the settlement and have had them keep payment of my check. Wells Fargo kept telling me that I did no such thing. I have called San Francisco Wells Fargo Corp. I went there and explained my story to Corp. employees who stated that there should be no problem in making the status on my credit report due to the miscommunication. Now, everyone is covering up and sending me these long letters and making me as if I am in the wrong. I will not give up. I called one of the gentlemen whom I spoke to at the Corp. Headquarters in San Francisco and I called him back after receiving a rude conversation with Verna R ** after only 2 days, stating she had investigated my concern and that there was no possible way she could have read every call made to me. He was very standoffish and basically would not discuss anything more with me. It was as if the legal department had spoken to him and told him not to talk to me. Now, I'm dealing with Verna and she is sending many letters giving me reasons why the settlement is on my report. Put me on a lie detector, you will see that I will pass with flying colors. Wells Fargo is unfair and untrue.

Back in November 2010, my husband and I applied for a loan modification. We were two payments behind and had just made one. We gave some information over the phone and then we were told that our information would be submitted. On December 8th, we received a request for more information through the mail. That night, we submitted all of the information via fax. We called and left a message on Pamela **'s voicemail to let her know that we had faxed the info over. She called us a couple of days later and confirmed that she received the info and requested a few more things. At the end of that conversation she acknowledged that everything was complete and advised us not to make any more payments on the account because that would slow down the modification process. She told me it could take up to 30 days to get approved.

But then on 1/20/11, we received a letter in the mail stating that we were going into foreclosure for not making payments. After speaking to a customer service rep, I was transferred to Bradley **, who was apparently assigned to our account. After getting nowhere with him, I requested to be transferred to Pamela ** since she was the one who advised me not to make the payments. When I spoke to Pamela, she was shocked that I was put in foreclosure since my account was still "In Decision". She admitted that she had told me not to make the payments and told me she would speak with a manager. A few days later, she called back and advised me that she listened to the recorded phone calls and that she had told me to stop making payments but there was nothing she could do. She told me that I was still "In Decision" for the loan modification and that there should be an offer before the foreclosure go through.

I decided not to wait for the decision, which has still not been made to this date. I got the money together to pay the late payments and all of the fees associated with the foreclosure. I believe that Wells Fargo, at least, owes me the foreclosure fees since I should not have been put into foreclosure when I was advised by their Home Preservation Specialist to stop making the payments. I feel that this is fraud and they did this either because I have a lot of equity in my house and a foreclosure would have been worth it financially to them or because they got all of the fees from the foreclosure and they would have rolled everything into my modification. I cannot get to a contact at Wells Fargo who can help me with my request for the fees. My home is out of foreclosure, but I am out almost $1,300 because they put me into foreclosure. I would have kept making payments if they had not advised me otherwise.

Aggressive mail fliers are sent first, then they follow-up and provide "conditional approval" prior to asking you for every possible qualifying over a week's time. They drag you out in a fraudulent manner, quoting unusually high rates and promises what could never be delivered. They have poor and slow communication and un-qualified sales agents, hence giving a real bad reputation for Wells Fargo. I will soon be refinancing my home out of WF. They are a very unprofessional and time-wasting company. Stay away.

After more than 7 months of delays and unanswered calls, our loan is still pending. My experience is a long string of unresponsive personnel who pass the buck to a multitude of other departments. However, they never actually call the other departments and often do not answer calls.

Wells Fargo foreclosed on my home when I was in the middle of my loan modification. If they told me the foreclosure was imminent, I would have either filed Chapter 13 or done something to save the equity in my home. I'm really sad.

I write to the office of the president because every correspondence we get from Wells Fargo does not have a person in the signature area to respond to, so here it goes.

We recently received letters indicating that you want us to short sale and that we are under foreclosure. It is important to me and my family to have a decision making representative call us or email us and explain to us how a property that has about 50% equity should go on short sale? Why would Wells Fargo suggest such an option? Also, why are we under foreclosure when payments have been made and returned to us?

We have a total of 9 $600.00 checks cut from Wells Fargo to us. That is a total of $5,404.33 and we get a statement dated 1.7.2011, saying that our balance is $5,613.70. Can someone please contact us or our attorney and explain what this means? I need to know what is it that Wells Fargo is trying to accomplish with us.

Is it that you do not like the fact that I try to pay by monthly and save interest, and instead, what you were doing many years before all this was pleasing the amount on escrow and then applying it when the total accumulated while all the time, charging late fees, fees, and fees? I assume that it's only fair and legal that someone explains this practice where it makes sense to all. Or is it that you are trying to force us out of our home so you can keep the equity?

It seems to be no wonder that Wells Fargo is under such scrutiny with the government and so many states. I just wish that we get the assistance we need to make sure justice is carried out in this abuse of power against a family trying hard to keep our responsibilities taken care off. I'm looking forward for a prompt response from someone responsible in this company and try to be more personal and direct with a signature block indicating who you are).

We are behind one month on our payments. They call us all the time. We tried to have one number removed (work number), but they refused to remove the number even after many requests.

I've banked with Wells Fargo Bank (WFB) for more than 20 years. I deposited a check from Kaiser Permanente account, drawn on Citibank (Newcastle, DE) on January 7, 2011. Due to the amount of the check, WFB said they had to hold a portion of the funds until January 1, 20111, and hold the remaining portion of the funds until January 19, 2011 because it's drawn on an out-of-state bank.

When I deposited the check, I wrote the deposit slip for the gross amount of the check minus $1,200, which I received in cash. The check which I deposited was more than $5,000. My bank account balance was $582 on January 7, from my deposit of more than $5,000. However, WFB gave my account a negative balance of $645 on January 7, 2011 because they placed the January 11 and January 19 hold on in my account; the check was pended for clearance. My bank account showed a negative balance for January 7, 2011 January 10, 2011. I wasn't able to take care of some of my financial responsibilities, and I incurred a $50 late fee for a late payment. I need to book airline reservations today and I cannot do it because of the hold that remains on my account through January19, 2011.

I am an international business student and Wells Fargo doesn't have any partner banks overseas in Germany or China. This means that I get hit with the Wells Fargo $5 overseas ATM fee + 3% transaction fee + fees from the ATM-owning bank ($18). I need to leave Wells Fargo because I simply cannot afford this every week. Bank of America has a partner bank in every country. Wells Fargo's $5 overseas ATM fee + Wells Fargo's 3% transaction fee + fees from the ATM-owning bank ($18) = $23 per transaction.

We believe that WFB deliberately and unfairly denied twice our applications to refinance when mortgage rates dropped in order to keep us at our present 6% loan. After the first denial, two loan specialists advised us to reapply after we paid down the equity line we occasionally use for our small business. We paid it down to zero (and have not used it since) and reapplied in Sept. This we were promised a change to a 4.5% loan. However, we were not notified until Dec. 10th that we were denied again for the same reason as the first: Too high debt to income ratio.

When told that the ratio was much higher than the first time we applied, I asked how that could be since we had paid our equity line to zero? I was told the figure used for business income was considerably less than they used on the first application and they were excluding our rental income, even though we have declared that income on every income tax return since 2006 and the checks for such are deposited in our personal checking account at WFB. When I questioned them about this, they said that "determination of rental income depends on the circumstances". Based on this and other inconsistencies in the processing of both loan applications, we feel WFB deliberately and unfairly blocked our ability to secure a loan when the rates were down. We have begun the tedious process again with yet another lender, but unfortunately, the rates have crept back up above 5%.

When I signed up for my new account at Wells Fargo, I presented my Social Security card, along with 2 other forms of identification. However, even with such proofs, the banker made a mistake and put in the wrong social security by one digit. As a result, after a year, my account was harshly shut down. I didn't understand why it happened. But I found out it was because I was using someone else's social security the whole time. What upsets me the most is the fact that firstly, it took Wells Fargo one whole year before they were able to correct this mistake. Had it been corrected after a week or two, I would not have minded. But it took a whole year! Secondly, a representative at the credit card company told me that they would issue another card as long as I filled out another application. As a result, although this was not my fault, I filled it out. After taking 1 whole week to get a reply when promised it would take 2 days, I found out that Wells Fargo policy states that until the balance for the old card is paid off, I would not be issued another card. Why is it that the mistake a bank branch made results in my discomfort and loss? All I wanted to do was get a new card, due to the fact that a banker made a mistake and eliminated my old card. However, I was denied that. And all I am left with is a balance to pay off with no card to use.

My son has one more semester of college left before he graduates in May. He just finished his fall semester abroad, which was not directly through his university, but they are accepting all of his class units. Wells Fargo saw that he was listed as "withdrawn" in May by his university, because he was attending the foreign university for fall semester. Wells Fargo insists that he must start repaying his loan now, because "he withdrew from school more than 6 months ago".

They arrived at 6 months by deeming him "withdrawn" for summer, and also the 4 months at a foreign university. He has spoken with the registrar's office, and they are going to remove the "withdrawn" status, as soon as school starts up again, and they will show that he has been a full-time student. I spoke with a supervisor at Wells Fargo who agreed that this loan is not ready for repayment yet, pending the verification.

They still call and demand payment anyway. A very rude woman refused to give me her name and hung up on me, when I asked to speak to her supervisor again. She seemed frantic to get a payment before his school has the chance to verify that he is a full time student. When asked if WF would refund the money, when we prove that it is not owed, she said no. In addition, another collector told my son that his 6 month repayment deferment after graduation, would be reduced by the 4 months, that he was in school abroad, but the supervisor told me that is not true.

It seems that while the supervisors know the terms of the loans, their collectors will tell you outright lies, in order to get a payment. One of them "explained" the terms of the loan, and it was obvious she didn't even know the difference between forbearance and deferment. WF should not allow clueless collectors to make legal interpretations of contracts, especially to college kids, who expect that the personnel of a large bank, like Wells Fargo, are credible. They are taking advantage of these kids. They are threatening to ruin my, and my son's credit. My son is stressed out and worried, that they will revoke this semester's pending loan, since they currently have him shown as being in default on his first loan.

On or about 15 October 2010, I notice that I had overpaid Wells Fargo on a credit card I had through them by $246.00. I call them to request a refund and was told that they could not refund my money until after the billing cycle on 15 November 2010. After I did not receive a check from Wells Fargo. I called again and was told that the billing department would need time to cut the check. I told them that this is not okay and they needed to return my money now. They refused. I called again on the 29th of November and was told the check was mailed out that day.

On or about the 3rd of December I called again to tell them I had no receive the check and was told the same thing as before, it was mailed out on the 29th of November and that it normally takes seven to ten days to receive it. I called back on the 15th of December and was told the same. This time I told the manager that this was unacceptable they needed to have someone send a check today. He in turn told me I had to fax him a letter telling them I had not received the check. Even though they could see that the check had not been cashed, I was told that this is what it takes for them to cancel the check and send me another.

I informed the manager that this did not make any sense. He said that it is their policy. They claim that they mailed this check on the 29th of November 2010 and here it the 29th of December and I have yet to receive my money. I have called them several times again and keep getting the run around. Can someone please help me get what rightful belong to me (the sum of $240). Any help you can give would be greatly appreciated. Thank you

There were two fraudulent charges on my bank account that were charged via online on September 3 and 5, 2010 for a 2-transaction total of $1,679. I had opened a claim only days later to stop my ATM card from bringing further fraud. Wells Fargo had appointed me with provisional credit pending the conclusion of the investigation.

My claim was opened with the Wells Fargo Claims Assistance Center and recently concluded on December 7, 2010, exactly on their 90-day resolution deadline. I have provided evidence of the falsified personal information including, false telephone number and false email address on the merchants copy and Wells Fargo is continuing to reverse the credited $1,678 and look into my letter of appeal with horrible customer service.

Their Assistance Center is giving me the runaround to different representatives, placing me on hold at 10 minute at a time, having to wait for their supervisors' replies and so forth. The discrepancies that I proved wrong in my letter should have been caught through a supposed investigation. Furthermore, I have never spent an extremely high amount of $800 and $879 via online purchase, nor would have consecutively 2-days apart. Any transaction in such a high amount has always been through check or withdrawal in person at the branch's teller.

These statements can also be verified by looking into my previous and entire history with Wells Fargo. These statements should have been investigated as such a Claims Assistant Centers personnel job description entitles them to. Please help! It is near Christmas and unless resolved soon, I will not have any money to purchase gifts, purchase gas, food, etc.

I received a document regarding refinancing my home mortgage for 30 or 15 years at 4.625% for 30 years and 4.375% for 15 years. Once I called in to have my home refinanced, the employee told me the rate was now 4.75% and he could only refinance my home for 15years. This refinance would save me only $50 a month. I feel this is a bait-and-switch. I feel during these desperate times, they are taking advantage of mortgage holders like myself.

The *** knows my account was hacked. The bill pay was shot down 9/18. In Oct & Nov, someone paid their bills with our account online. The CEO knew this and told the bank manager he'd take care of it as well as an international purchase due to the fact that we've never been out of the country. Travis ****** hacked the bank account and the CEO is his friend; my account has yet to be fixed.

In January of 2010 I applied for a home loan modification. Wells Fargo approved me within 2 weeks and my monthly mortgage was reduced by almost $500 per month. I was placed on a 5 month trial period and was told that upon completion of the 5th month this would be my new rate. The 5th month came and went and I continued making the reduced payments. In October 2010 Wells Fargo advised me that I had been disqualified from the program. They demanded all back payment all at once.

When I called Wells Fargo I was told that I was disqualified by the 2nd month into the agreement due to a late payment. This was completely untrue as I have the bank statements that clearly specify the check was cashed on time. Nonetheless my question to Wells Fargo was "why not inform me on the 2nd month immediately following the disqualification?" They had no defense or explanation. Wells Fargo has been unwilling to assist me in establishing some form of repayment and has now begun foreclosure on my home.

This is genuine corporate robbery and I for one intend to file criminal charges against Wells Fargo. If this were occurring in any other setting for instance a neighbor coming in my home every day while I was at work and taking my food out of my refrigerator, upon discovering this person I would have them arrested. Wells Fargo has done the same thing entering in a deceitful agreement. Tricking me for months and now attempting to steal the roof from head.

I was charged an overdraft fee after having the correct amount of money in the account. The payment was processed on December 7, 2010 and I still received an overdraft fee for that. I was told that I would not received one if I didn't put money in the account and since I did then I received a fee. She is said that "there is nothing to dispute if there is nothing to dispute, if I won't dispute the discover fee."

I had a claim on my roof, insurance company sent me a check, Wells Fargo was co-endorsed. Wells Fargo told me to endorse and send to them, I have filled every form out that I can and they still will not release my check for my roofing company. Job is complete, we are getting the run around! The roofing company has waited over 90 days and they are threatening to sue me!

We paid off auto loan over 2 months ago and still haven't received title. Now nobody can seem to help me because I no longer have a current loan with them since it's paid off.

I have a credit card with Wells Fargo Financial through Raymour and Flanigan. I was 3 days late in May 2010 and 4 days late in October 2010. These two (out of all the payments I have made) late payments resulted in me receiving collection calls. I received the first call on November 26, 2010 from "Nick" at ** ext. **. I was not at home and returned the call about an hour later. There was no extension ** and apparently, "Nick" did not work for them. This, I believe was a collection agency and not actually Wells Fargo.

I told the person I spoke to at that time, November 26th at about 5 PM, (did not write down the name), that I would send the $24 late fee with my December payment, but that I wanted to check my records on Monday, November 29th, to be sure the date he gave me was correct (he said they received my payment on 10/21-which was correct). He said, he would note my account. I received a second call on November 27th and had the same conversation with a woman (whose name I also did not write down) and a third call on Sunday, November 28th at 9 AM, again, the same conversation.

At this point, I was becoming angry. I cannot believe that a total of two late payments (never more than 4 days) in all the time I have had an account with Wells Fargo would generate a call that starts out, "This call is an attempt to collect a debt." I understand the banks point, that I paid late and therefore I have to pay a late fee; I get that and I accept it. However, after the fourth call on November 30th from 'Elma', I was made aware that I also had to pay another $30, because I did not make my minimum payment in November.

Apparently, when Wells Fargo adds a late fee to your credit card, it becomes part of your minimum payment. So, although I paid my 'actual' minimum payment, the late fee for October generated another late fee (which they were calling a below minimum payment fee). Essentially, a late fee on a late fee - my rate was also increased. This made me quite angry and I asked to speak to someone other than 'Elma'. This is when I spoke to 'Michelle **,' at about 10 AM on November 30th, who stated she was a supervisor.

Basically, she did not want to hear anything I had to say, the fees would stand and could not be reversed. I asked to speak to her supervisor, which she flat out refused to let me do. She said there was no one else. When I asked her if she would work with me, her reply was, "Fees cannot be reversed. I reverse fees daily in my position, so yes, they can be reversed; she just chose not to work with me. After hanging up, I contacted my customer service representative at Wells Fargo, spoke to 'Courtney' and asked for a payoff. She also started the conversation with "This call is an attempt to collect a debt."

Actually it wasn't, I made the call to get a payoff, I never had any intention of collecting a debt. Obviously, they have a script to follow and read it regardless of the situation, which proves they do not listen to what you have to say. What makes me the most angry, is the fact that they can look at my history with them, and it means nothing. They are calling to 'collect a debt' which is actually a fee they were looking to collect and not my actual payment. They penalize paying customers with a higher interest rate and phone calls from people who treat you like you are a criminal.

I feel badly for those who have missed a couple of payments. If they treated me the way they did, how on earth are they treating those with hardships? I feel that the compounded fee is unfair. Just because they print the 'rules' in a brochure and send them to you, should not mean they can charge whatever they please. How is a person who is having a problem paying supposed to catch up? How are those of us who can make payments on time supposed to get ahead, when fees on top of fees are being charged? Each month, you are late another $25 is tacked onto your balance and since you are not making the minimum payment that's another $30 fee. That means, for someone who has lost a job and cannot make a payment every month, another $55 is added to the balance - that's $660 a year! This is excessive; Wells Fargo should be ashamed of the way they are treating their customers.

Starting on November 24, 2010, a Wells Fargo assistant called my job inquiring a payment for my auto that was purchased in 2006. I am a single mother of three and recently went through a divorce from a very abusive marriage. I had lawyer fees and other expense that kept me behind on my auto payment. Granted that my auto payment have been behind several times and have made arrangement for payments that I followed through on, I told the rep Evette that I will be making payments and wanting to set more arrangements so I can finally get caught up on all my debt. After calling my job, I politely asked her to not call my job due to that I'm unable to receive personal calls at work. She have repeatedly called anyway.

I spoke with her supervisor Myra **, and she wasn't any better. She asked me again why I was still late on my payments and she blew me off, and said that we all have payments, that's not a good excuse. I explain to her I recently went through a divorce and she ask me when did the divorce start, and how much I paid for my lawyer. I personally feel like that was not of her business, but I proceeded to tell her that my ex-husband and I have been going through this for 2 years due to abuse, the law was involved. She said, "Yea, I don't believe it took 2 years to divorce. Wow, that was the longest divorce ever." Because a lot has happened to me that she couldn't and didn't understand, it offended me and crushed my spirits. All for payment on a vehicle that I need and will get caught up.

Wells Fargo also have set me back financially due to withdrawing money for my vehicle note twice on the same day which caused overages in our bank account. They did refund days later, and after two weeks of being completely broke and other bills in jeopardy due to the insufficient funds that incident caused, I had to in turn make another payment. This also has caused me to stay behind. Please help me in this complaint.

After two years of chaotic and extremely upsetting negotiations with Wells Fargo Bank, we were granted a mortgage modification. Well, not really, because our house is worth half of what we owe, and the bank gave us a 40-year mortgage even though we are in our 60s. We signed the supposed mortgage modification agreement on September 15, 2010. However, we have not received a copy signed by Wells Fargo. It is my understanding that a legal agreement is not binding unless signed by all parties and all parties receive a copy of the signed agreement. On October 4, 2010, we were told we would receive our signed copy within 60 to 90 days. On November 22, 2010, we were told that it is not the responsibility of the bank to provide is with a signed copy of our mortgage modification agreement. It was filed with our Country Recorder and it is our responsibility to get it from them.

When I contacted the Jackson County Recorder of Oregon, they had no such agreement on record. Attempts to contact a second signatory to the agreement, Mortgage Electronic Registration Systems (MERS) Inc., were unsuccessful. No one answered the phone and their website gives no information. We have never been told why this third party, MERS, is now involved in our mortgage. I might also mention that we participated in the HAMP program and made approximately $4,000 in payments before getting rejected. Wells Fargo Bank has never told us what they did with our $4,000 and we fear that without a signed mortgage modification agreement, the same thing is going to happen again.

This is the interesting note: During one of my phone calls to the Wells Fargo Loss Mitigation Department, the person I spoke with told me that, "I don't know what promissory note is. They never told us that in our training." How can such seemingly illegal activity be allowed and is there anything we can do as consumers to get the straight story from Wells Fargo Bank? Not once in two years have they responded to our written correspondence.

My loan has been screwed up from the moment Wells Fargo acquired it as part of the purchase of a portfolio of loans from AES/Chase in mid 2010. Already I have invested eight hours of my time trying to get this resolved. I could write a book about the horribly bad customer service I have received via telephone. No consistent advice from different agents. Promises to call back but I am never called back. Insufficient records on their end to be able to credibly help me.

The assumption on their part is that I am at fault. The assumption that it is my job to figure this out rather than them. The inability of their system to receive payments in the way (twice a month) I had been paying but failing to notify me about this inability. And the best one of all, my payment inexplicably goes up about $50 per month with no explanation. There is no reason it should and they can't tell me why it did. But still they expect me to pay it while I wait for them to figure out what the problem is, yet I have seen and heard nothing to make me know/believe they are doing anything. My blood is boiling as I write this.

This damn well better not affect my credit rating. It's affecting my health for sure. Notices that I am behind/delinquent are false! All Wells Fargo needs to do is assign someone to research the problem. And hey, even if there might be a delay, how about a little communication that they are at least trying to resolve the problem? The only thing their customer service agents are authorized to do is accept payments (collect that money!). They are not in place to genuinely help with customer issues.

I initially opened a checking account with Wells Fargo 2 years ago. I had a small amount of money deposited automatically monthly as a "mini savings account" to save for a rainy day. Of course, rainy days come all the time. About 6 months ago, I stopped to automatic deposits and the account sat at a $0 balance. I set up the auto-deposits to start again. And just my luck, the money was returned to my payroll department on payday. Apparently, my account was inactive for a certain period of time and was closed due to this.

How was I to know that not using the account for whatever set of time would completely close the account? I went into a branch to inquire why the account was closed. I was informed I could re-open a new account, with a $100 deposit. Why should I have to pay to open an account that I already had to begin with? I became annoyed with the rep who was trying her hardest to get me to open another account. I asked to speak with a branch manager whom "somehow magically" waived the opening deposit.

Fast forward to a month ago, I applied for a payday loan (I know, so smart). And once I came up with the money elsewhere, I called the company and asked to have the application cancelled. Unfortunately, this company has no idea what that means and tried to debit my account for a $19 application fee. I called Wells Fargo and asked them to reverse the change, because it was unauthorized. I was promptly told it would take 10 days and I was going to be charged a returned check fee. Okay?

I agreed and asked if there was any way to stop this company from attempting to draft money again. I was told by this representative that there would be a stop payment placed on this company for 6 months. Well, she lied, because 30 days later there was another charge for $44 from this same company, a check reversal and another $35 returned check fee. I called and spoke with another rep. She claimed to have placed a stop payment on the company. Needless to say, my account is currently at -$150 in debits, check reversals, and check return fees.

My last encounter with Wells Fargo was when I finally answered a call from customer service. Only after they called 5 times a day, honestly 5 times a day, inquiring when I would cover the -$150 balance on the account. Are they serious? On top of that, I have grown completely annoyed with the constant attempts to sell Free Bill Pay.

Every time I call, I was bombarded with solicitations of Free Bill Pay, which I decline every time, because I simply do not pay my bills online. The final rep I spoke with had an attitude when I asked her why every time I call in, I am asked to sign up for this service. And I asked why there are no notations as to my constant declines. Her response was, "Well, if you just sign up, we will stop asking you every time you call (and this was stated in an annoyed "just sign up for the ** thing" voice)." I hung up the phone and have requested to have the account closed.

I don't care if I get free checks (that I will never use), free bill pay (that I will never use), free online statements (that I never look at), or no monthly account fees (I still don't understand why you charge me to have an account with your company). I have definitely told my family, friends, and co-workers about my experiences. Good Luck in retaining customers Wells Fargo!

Called this number to pay my bill and waited almost 10 minutes. The representative wanted a check routing number, but I only had my visa/ATM # to make a payment, so she put me on hold again and I'm waiting again for customer service. The main issue is that for October's payment, it took 13 days from my bank posting the payment on 9/30 to Wells Fargo posting payment on 10/13 and Wells Fargo charging me a late fee. If I pay this too early, it goes into the previous month, in this case September's payment, as it is due on the 3rd of each month.

I called today and it is too early to pay December's bill. They were unable to help me without my check's routing number, even though I had my ATM card with me. AT&T had no problem accepting my ATM check card over the phone. These people just want to rip you off of every last dime you have.

So, times have gotten lean this winter. WF has upped my monthly payment first by $100, and then it keeps increasing every month. I have been calling since Oct, knowing that I could not make Nov payment. They would do nothing for me. Finally November payment was 1 day late and guess what, they suddenly had my phone number! So after much rudeness and aggravation, they finally agreed to put me on a hardship plan, but this is only after I come up with $637.00 in the next 10 days. Now if I couldn't make the monthly payment which is half of that, how on earth could I come up with double? They have been very unrealistic and unreasonable to work with. All my other creditors have been very gracious.

I obtained a Home Equity loan from Wells Fargo Bank 2 years ago. I was told the term of the loan was 10 years. I did not want to pay on this longer than 10 years. Recently, through a phone conversation with one of their employees, I found out that my loan would not be paid off in 10 years. How many people has Wells Fargo "told" this same lie to? I wish I had never even gotten the loan at all. Now in 8 years, a loan that I thought was 10 years will not be paid off.