Complain about a product or service

Wells Fargo

Keren of Miami, AZ May 27, 2009

We are in a financial crunch like most people are today. My husband lost his job in January in a lay off. We searched for work for several months and just recently found work. It pays a little more than unemployment, but still does not even touch half of what we were making.

We finance our vehicle with Wells Fargo Auto Finance. We did not want to finance with them because we had a previous checking account with them that kept losing money mysteriously. (We lost thousands of dollars!) But we were convinced by our saleman that "having a good record with Wells Fargo Auto Finance would be great for our credit history." (I admit it, we were fools.) Anyhow, we have kept in communication with them since the lay off. Always keeping positive that we would find work, we continued to make our payments out of what savings we had. But we have finally reached the end of that. We have not been able to make our payment this month.

Previously, a Wells Fargo representative, Erica Gulley, told us that we would qualify for a 2 month extension on our loan since we have a good payment history. She said that this could give us some time to find work. (At the time, we were applying for unemployment.) She said that once we could show that we had some income coming in, even unemployment, they could do the extension. We decided to put off the extension until we really needed it, still being positive that we would work things out. Well, my husband found his job, but it still pays too little to cover the payment, so we called them up again and tried to apply for the extension so we could find additional work. We spoke with someone else this time. The answer was "no"!

I asked if they could do a loan modification and their answer was that they "don't offer a loan modification." All they offer is a refinance, which our vehicle doesn't qualify for because we are upside down. They then told me to try to borrow the money from someone to make our payment. They also told me to hit up Salvation Army for money to pay our utilities so we could use our utility money to pay our loan payment. I asked what the next step would be and if they would accept the vehicle back. They said that "it was not their policy to accept vehicles back voluntarily."

So basically, we feel like we have been set up to fail. Wells Fargo is not willing to even try to work with us. They don't want to help. Why is it that every other bank offers a modification and Wells Fargo doesn't? We were even able to modify a personal loan at our local credit union. So why can't a large bank like Wells Fargo modify a loan?

This really stinks, especially when you are one of the good ones that actually cares about your bills and pays ontime. There are no rewards for a good payment history. It does not mean anything! Wells Fargo really needs to work on showing some courtesy and at least acting like they care. If we ever get out of this, I will never, never, never, deal with Wells Fargo again in any way!

merily of dallas, TX May 21, 2009

We were charged overdraft fees and return fees even though we had a positive balance 20 minutes before. After getting the runaround from 4 calls to cs wI was referred to the bank where we opened the account. I spoke with a very RUDE woman named Nancy M. who accused us of writing hot checks to get over on the bank. I was trying to tell her that the money was there and she said if it had been they would not have charged us. It's not left up to them to charge fees it's collections.

When I asked to be transferred or for the number, I was told she didn't have the number and couldn't give it out if she did. She was very rude and made me feel as though I should be grateful to have the honor of an account at Wells Fargo. I eventually called back to our current branch again and was told that the error was in my favor and the fee was returned BUT from now on I need to be more careful @ my spending.

When I had another problem I was told by some girl probly 19 or 20 that I NEED to get another account to pay my bills and I wouldn't have these problems. Or get overdraft protection. I told her that I will not pay 10 & up to transfer money from my savings to checking. she said oh well and hung up on me.

Their complaint line, if you can find one or get through, is constantly busy. What I find strange is that it takes 5-7 business days to let me know I'm being charged a fee or there's a problem with an account,but they get and post their fees before my direct deposit even posts. Over the past 2 months we have paid out almost 600 in fees and charges if we didn't have direct deposit no telling how much more.

Iris of Sawyer, MI May 23, 2009

On 5/22/09 I called Wells Fargo 1-800 number to try and make payment arrangements to get my account up to date (behind 3-payments due to finance, car repairs and other personal issues pertaining to court dealings etc.). Last year when I had called to set up arrangements I was treated very professionally and the representatives were understanding and willing to help. But this time they refused to set up anykind of payment arrangements. Wanted the full past due amount paid "today". Didn't want an explanation on why or what or if.

I asked them why can't they make any payment arrangements with me, I didn't have a problem making arrangements last November. I then asked to speak to a supervisor. Instead, I got the person who apparently was the rep leaving numerous messages for me to call a number back at my workplace. They didn't mention the name of the company they were calling from. Just the name of the caller and the phone number. If you call my work number the voicemail message clearly states if this is a personal call and not an emergency or a call pertaining to my job "YOU WILL NOT BE CALLED BACK".

Anyway, this person was extremely blunt and persisted on wanting to know "Why I didn't return any of his calls back?" I explained. He also wanted to know the dates/times our phone was out and not working. He was totally going off the track of what I was actually calling Wells Fargo about. Then he persisted to tell me that my vehicle is on the repo list today scheduled to be removed today. (Received Wells Fargo dated US mail letter 5/15/09 on 5/21/09)

At that time, I was so emotionally upset of explaining to this guy why I was behind and why I wasn't able to call him back. And why I am trying to set up and make payment arrangements with them to get caught up. And he just continued to be remorseful towards me telling me they are going to take my car.

I finally told him I had to discontinue my call because I was on my lunch break and needed to return to work. I told him that if they won't help me, then I will have my husband call them back because he is off from work today. He didn't want to hear that. Instead, he wanted me to hold on. I told him I can't hold on, I need to get back to work and I will have my husband call him. He told me to have him call the repossession department. I thought fine, and hung up.

My husband called Wells Fargo later that day after I told him what happened. He had no problem setting up arrangements for payments.

I don't think as a working American that is trying hard enough to make it in this struggling economy; should be treated this way...like a heal, dead beat that is behind in payments. I called to make arrangements to get caught up and all this guy wanted was to egg me on about why I didn't return his phone calls. Then threatened me that my vehicle was on the repo list today ready to be taken TODAY.

Please Consumer Affairs. If you can do something to help us...please help!! Come on Wells Fargo..."Where's your heart?" You got bailout money from the government that I'm paying for.

Darryle of Roy, UT May 20, 2009

Wells Fargo is claiming that I had two overdrafts @ 35.00 each which I am contesting because according to the statements that I am denied access to at this time reflected a positive balance at the time ... and it was a positive balance of 5.36 and the overdrafts were not present on my account prior to a deposit from UI of 361.00 and claiming that I withdrew 326.00 and incurred three more overdrafts @ 35.00 each , I am formally challenging these charges because according to my records I had a positive balance of 5.36 ... I am saying that Wells Fargo has altered their records . If I had two overdrafts prior to the deposit , they would have been deducted immediately from my available balance , ...

Nick of san Francisco, CA May 7, 2009

My Checking account at Wells Fargo was charged 11 35. overdraft fees. My account was in the black on the night of April 5th. On the morning of April 6th, it was overdrawn by less than 100 and in addition had 11 over draft charges of 35 each. The charges according to Wells Fargo were due to 10 small card charges (all less than 25) that were posted overnight. A larger charge of 186 actually caused the overdraft. Per Wells Fargo policy the large charge was on the account 1st causing the overdraft and then the smaller charges were charge. Each smaller charge accruing the 35 overdraft fee. The unacceptable part of this is that when I checked the account the night before, the smaller charges had already been posted to my account. Wells Fargo still placed the larger charge in front of the posted smaller charges so they could get the 11 overdraft fees. At this point there are over 25 overdraft charges of 35 apiece and after talking to many supervisors and managers, I can get little if any reduction of the charges. I spoke to many representatives at Wells Fargo and received little if any help. I tried to contact the corporate offices. They will not tell you what the phone number is or where the offices are. They will only give you a post office box in Portland, Oregon.

phanikumar of Laurel, MD May 18, 2009

I bought a foreclusure property in oct 2008 for 475k. The list price was 525k but my offer was accepted. In May I started my refinance application for 415k with Home Mortgage Consultant, Wells Fargo. The appraisal was ordered and it came out to 555k. This was more than enough for me not to pay the PMI on the loan but since it was less than 12 months I bought the house wells fargo wanted to use the sale price as the appraisal value. This means I still have to pay the PMI. This was not told me in the begining and they told me the appraisal is 521 then they can waive the PMI. Also how can they use the old sale price as it was a foreclosure property in very bad condition. The sale price would be obviuosly less than market price for a foreclosure property. I have some improvements and wells fargo doesnt want to count it. The rate lock expires 06/01/09 and I didnt close the loan yet.

Sandra of Chino Hills, CA May 5, 2009

I have been a customer with Wells Fargo for over 15years. As a loyal customer I would expect that Wells Fargo would value their customers & treat them with respect. This was not the case when I went into the branch on Saturday, May 2nd, 2009. I went into the branch with my daughter. My daughter is a full-time student at Citrus College. She does not work but did a one time event form Citrus College and was paid a check for this event. My daughter and I went into the branch requesting that my daughter sign over the check to me and I would deposit this check into my account. I would turn around and give her the money out of my account.

I was told that this could not be done. They insisted that my daughter open a savings account and they could give her some money for opening an account. My daughter worked parti-time last summer and opened an account with Wells Fargo and she was charged eight dollars every month to maintain that account. I told her to close that account since she was being charged for keeping an an account after she quit her job to attend school. I became very upset when Wells Fargo refused to honor my one time request. I walked over to Wescom Credit Union and they were kind enough and for being a loyal customer made an exception to cash my daughters check this one time. I followed up by calling the Chino Hills Branch and spoke to M. Porras and explained what had just happened at that facility. M. Porras, Branch Mgr. insisted that they could not have made this one time exception for me. I feel that Wells Fargo does not care about it's customers and is not interested in helping it's customers only themselves. I will be withdrawing my safety deposit box, saving and direct deposit from this bank. I feel that I will be provided better service somewhere else. I also will not recommend this Bank to anyone who ask me about the service.

Chrystal of Stafford, TX May 7, 2009

I have had HORRIBLE service with Wells Fargo since the beginning of April when my account started becoming neagative. I've asked this particular branch several questions on why my account is negative they've all been rude they raise their voices at me and i work in customer service that is very unacceptable. I recently had fraud going on in my account since April and Lost Preventions said they were going to do an investigation. Every time i get paid i can't get my check because there's always "something I did to cause my account to overdraft"

I'm furious and disgusted on how i have been treated with Wells Fargo on hwy 6 and Austin parkway located inside of H-E-B.I expressed to one of the bankers named Sara that it was ridiculous that i couldn't get my money. she raised her voice at me and said, "If you'd let me speak I'll tell you why." I also expressed to her I did't want to talk to lost preventions anymore i just wanted my money that was in my account but was pending. she told me no and proceeded to have an attitude with me. at this time i then told her i wanted corporates number she then told me she did'n know what corporate was as if i was stupid.

The manager came over and got an attitude too and i told the manager that all of that was unnecessary and I was done talking i just needed corporates number. the manager gave me lost preventions number and told me that was the only number they had. I told the manager that i was offended because they were playing on my intelligence so then they gave me a Karen Y number but this isn't corporates number.

Lost preventions has called me 10 times back to back and like i've expressed to them i'm not going any where i have my direct deposit going there. lost preventions has stated to me that i need to pay Wells Fargo before there's a problem. I take my money and threats serious among many other things. This needs to be dealt with or they need to be closed down this service was poor and as soon as i can i will never bank with Wells Fargo again and that is a gurantee and every friend and family members friend will know not to bank at wells fargo neither because of their horrible service.

Abraham of Vacaville, CA May 12, 2009

My complaint is with the collection/billing practices overall for Wells Fargo Bank. I called a rep on 5/4/09 to inform them that I was going to be late on ONE payment (400). (I had an emergency car repair bill). The rep said fine, make the payment when you can and call them to let them know when it was done. I told them it would be next pay period for me, 5/15.

Since then, I am receiving Automated phone calls asking for full payment. I am not even late for two weeks let alone thirty days. Last night 5/11/09, I received about six Automated calls from 7:00 to 8:00pm. I called today 5/12/09 today to complain and rep was unsympathetic. She said that is what they do. Since a human person can call, they let a computer do it. I asked why is this going on even though I told them I was going to make a payment? She said it will go on until I make the payment. Sounds like harassment to me. I have had an account with them since 1987.

bonnie of fort morgan, CO May 8, 2009

this bank is a joke! they have a system to rip people of, they bought out our small town bank and have made our lives miserable! the system is to let some items pend for days and some not so you never know how much money is in your account, also they charge high overdraft fees, i as an american think its terrible that a bank that takes bail out money which is ours to begin with and charge us more , then try as you may to talk to someone, you might as well save your breath. i am thoughtly discusted with banks and bailing them out who is going to bai me out??????????????????????

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Follow us on Twitter.

Back to the top |