Wells Fargo Credit Cards Reviews

Wells used to be an excellent bank, however, customer service online has gone done considerably. When you call with an issue and it is not resolved and then you call back to follow-up the currenT rep. has no background on your previous issue thus causing more delays going over the same problem again. If the credit card companies have your record of any previous issues / calls ... why can't Wells do the same thing. I hope A1 can help. I am also a shareholder so this is also why I am submitting this complaint / review. Charlie Sharp, CEO, try to do something about these issues.

Denied by Wells Fargo despite an 838 credit score and zero negative marks. Their excuse? I use my credit responsibly - too few balances and too many available cards. That right: being financially disciplined is now a RED FLAG! They hit my credit with a HARD PULL anyway. No transparency, no logic. I've filed a CFPB complaint and won't be doing business with WELLS FARGO again!!

Agents lack understanding of account functionality during a balance promotion. Despite my attempts to get clarification on how it works, no one could explain it to me. I called several times to learn how to avoid interest, but it was an unpleasant experience. Although they finally assisted me, I still rate it as 1 because it should not have taken this long to find someone who could help me understand.

The WF Rewards card is consistently lowering my credit score by not applying my rewards well after charges have cleared. This sometimes takes place one month to a month and a half after purchases have cleared before the rewards post to your rewards balance. The initial $200 after you spend $500 will also not come until that time frame. Then once you do get it the $200 does not post to your account. You have to do that manually, If you apply it to the account it says that it is applied but deducts nothing from your balance perhaps for multiple days (right now I’m on 3 business days). The app is also very hard to navigate and it is hard to find how long rewards will be posted and when. During this entire time my credit score lowered by nearly 20 points. Other cards with rewards do a much better job at this system.

They had a promo for balance tranters at a specialty rate of 5%. On 4/6 I went to transfer A amount of money from another card. They sent message asking if it was me. Then told me I had X amount on my card and could transfer B; they were only letting me charge half of my credit line. They said A had been cancelled and wouldn't go through. So, I go back in and make a transfer of B amount. Then on the 7th I get an email saying my account is overdrawn and I have to pay O immediately. I look and they sent both transactions through. A service fee was attached to both transactions. I call customer service - they can't reverse the charge. I have to wait for my other bank to send me a refund. Then I call to see about getting the service charge for the transaction A, as it was sent in error. They said no. So, they basically stole $300 dollars from me.

In mid-October of 2024, Wells Fargo Visa made an unauthorised debit of $24,326 from our checking account to pay down our Visa on Friday afternoon, a Friday preceding a three day weekend. Our discovery of this blind-sighted debit came when we could not pay our groceries Friday evening with our debit card. Our checking account was in the red for $21,162 on October 11th. I called Visa to find out who and why this could happen to me, a 45 year client with Wells, with no explanation. After four extremely anxious days, my WF Private Banker had restored our checking account balance and then Wells Visa, with no authorisation, debited that account, AGAIN, on October 22 for $21,162. What a fiasco.

When I signed up for a credit card, I was expecting for that company to provide me with protection whenever I had an issue with a product or service that I would need to dispute. I have not done this often as I am one to own my responsibilities when I make a purchase or understand my responsibilities as a purchaser and credit card user, but this company has failed me miserably and has allowed for this company in particular to rip me off for a large sum of money with no repercussion. I highly suggest that if you are looking to find a credit card that you look elsewhere so that you are better protected when you need it.

Trash company & predatory lenders. Bought a new appliance and had it installed, the company that did the work offered me a credit card loan through Wells Fargo at 0% over 18 months. Figured at 0% and spread out it was easier to afford and boy was I wrong. Wells Fargo set up the payment schedule to intentionally fall short of the total before the time expired which allows them to charge me the full amount of interest at 28.99% (over $1600 in interest) after missing no payments for 18 months. Would give negative stars if possible.

I reported fraud to Wells Fargo, where $1,000.00 was wrongly taken out of my account, and they took their weeks to "look into" it, twice, and denied my claim both times. I informed them of the problem within about an hour, and they took weeks to do nothing, and then weeks again to do nothing again. Wells Fargo is not worth the time of day for anyone. Do not use them under any circumstances (or their ATMs), and if you have an account with them I suggest you carefully open another account at a reputable firm and get rid of your account with them when you can. I know it's a pain but I should have done this years ago when my account with Wachovia become a Wells Fargo account because Wells Fargo bought them out. Not only did Wells Fargo get rid of my free checking, they then had all of those issues and got in trouble for creating a lot of fake accounts under customers' names, and they haven't learned their lesson.

Just be prepared. If you need live customer service, it will not be friendly. They take a superior attitude, treat you like crap all the way up through minion to minion. Stunningly bad. The interface without live people is bad as well.

My starting credit limit WAS $6000.00 things were fine until I used approx 48% of my $6000 limit when out nowhere they reduced my limit to $3250.00. I wouldn’t worry about it but if you watch your credit bureaus it now shows I’m using 94% of my card limit. Imagine what that did to my credit score 48 point drop. If they didn’t want me to use my credit they offered they shouldn’t have started there! BE CAREFUL YOU PLAY BY THEIR RULES THEY WILL GET YOU!

Improve it. I recently read about the top five worst banks to do business with, and unfortunately, I found myself dealing with one of them due to a furniture purchase. It seems both the bank and the company have their share of issues. I regret not reading the fine print. To warn others considering financing their purchases with no interest through Wells Fargo: they calculate the interest for the entire duration of the no-interest period. For instance, I had a balance of roughly $190.00 in October 2024, but I just received a statement showing that my balance has increased to over $400.00.

If only I had trusted all those 1 star reviewed before I applied for WF card. If you're reading this review because you're not sure - trust me, you don't want to get into business with this organization. They will make mistakes and blame you for them. They have no problem just simply lying on their responses to your complaint. Give yourself a favor, take your money elsewhere. Bank of America, Chase bank, Discover care are all awesome, take a look at those.

I've had a WF credit for the past year and I have to say the customer service is fine but the online interface is horrible. I had to add a new bank account to pay my bill & the two step verification has not worked the two time I had to use it - taking over an hour of my time to figure it out only to be told by the online customer service person that the verification takes a few days to actually give you a pin that is required to activate the new account. Who knew this & isn't it bizarre! Nowhere online or anywhere do they tell you how this works nor any instructions on how to do it - step by step. Nothing! With my new bank (NOT WF) account I transferred over 20 vendors I pay (all in 15 min) and this is the only account that caused me no end of headaches and two hours of customer service & trying to figure it out. In fact, five days later & it's till not complete. I'll be closing this account soon - WF is too difficult to deal with. This is not the first questionable issue with them.

Please avoid applying for this credit card and bank service. They generally do not approve applications, which will result in a credit check that may lower your credit score. Don't use it. They are bad. Really bad.

I opened this credit card because it was highly regarded on NerdWallet. Although they claim to reward you for spending more within the first few weeks, they have placed a hold on my paid-off account to prevent my ability to gain more rewards. Within 1.5 weeks, I have called customer service four times and escalations twice to follow up, but each time they claim the issue would be resolved shortly, except it lingers. Since I had planned to use my card, I have even filed a complaint with the Better Business Bureau in hopes it would expedite the release of the unexplained hold, yet I've had no luck. Terrible. I wish I would have known about their credibility.

I keep getting transfer fees on my account of $40, $50, when I haven’t transferred in a couple months. Last time I called and she said it was due to a transfer I had made where I was called the transfer fee plus another $200 fee that seemed the same thing but she said it was different. I am not going to use the card anymore and cancel it when it is paid off.

Had unauthorized use of my WF credit card, reported on 7th. On 19th no resolution, said unauthorized transaction carried over to my newly issued card, now going thru the whole process again, new card coming, so WELLS FARGO did not do their job, guess will be switching credit card companies, read the reviews, horrid!!!

I wish I had read these reviews before I signed up for a Wells Fargo credit card. Live and learn, They are the worst card company I have ever encountered. I received the card, and activated it online, then tried to enroll in online banking so I could use the phone app. Every attempt failed. Each time they told me to call a number, where there were long delays and people who did not understand or solve the problem.

I would rate the Wells Fargo Active credit card with less than 1 star if I could. Wells Fargo is a scam. Their customer service SUCKS and online banking is horrible. I paid off my entire balance yesterday and magically another balance appeared today. Whipped out my calculator to figure out exactly what it was from since I hadn’t used card. Couldn’t. So I called WF customer service. Was placed on hold for a while and when the guy came back on he said that the reason there was more to pay is because it was an amount that was unpaid. I told him that that was common sense and completely unhelpful to the very specific question I asked when he got on the line. What were the charges for and why wasn’t it there when I paid what showed as the full balance when I hadn’t used the card.

I closed my account due to very poor service, long wait times on the phone, unresponded emails. When I tried to cut the card, I could not, as there is a metal plate inside the card. I took the card to a local branch office, and they refused to help... they would not take the card back and could not destroy it either.

Absolutely horrible customer service and stolen $2200.00 from me! I have been trying to get someone from this company to help me since 5/15/24 track down a balance transfer done to Wells Fargo from Elan Financial and still not resolved or applied to my account as of 6/26/24, even after putting in a complaint with the Consumer Financial Protection Bureau, which is still awaiting resolution.

I wish I could give them a rating of less than 1 star. I was told three times on a recorded line that there would no transfer fee for my transaction. I was charged 5% ($475). I did file an inquiry but as expected no help. Please look elsewhere. They are horrible.

I wish I read these reviews before signing up for the Wells Fargo credit card active cash. I’ve only had it for 2 months and I can’t log in to the website. Their app doesn’t work and I can’t even make a payment through automated phone. It shows that I don’t even have an account although I get a bill in the mail from the charges I did. When I call them they say everything looks good on their end so I shouldn’t have a problem logging onto any of these services yet their IT department couldn’t even help. The only way I can make a payment is my customer service and talking to someone. To top it off I had fraudulent charges on my account and my bill is due soon so they ordered me a new card but I can’t make a payment till that goes through! Don’t bother with this company!!! I’m gonna do a balance transfer to another trusted credit card and close this damn card!!!

This is the worst bank/credit card company I’ve ever dealt with. If you call for help no doubt you will be transferred to 5 different people who can’t help answer any questions. Also do not rely on the banking app because it will do you no good. I will never do anything through Wells Fargo again in my life. Horrible experience.

Horrible experience. As of now I am speaking to the 12th customer service rep and they keep transferring me to the next rep. I want to schedule an autopay and all of them ask me if I want to do it online or have a MAILED FORM! It's 2024, I don't want to be asked the same question 12 times to be transferred to yet another person when they hear the word "online". 12 people spent almost 2 hours of my time because they don't know how to set up an autopay in their own confusing webpage.

Worst customer service. On hold a total of 1 hour and 15 minutes between 4 calls. Issues not resolved. Very unhappy. Unable to get authorization for a charge. First call agent said she would take care of problem but she did not. Still unable to get charge to go thru. Have been paying my electric bill by credit card for years and never had this problem. Being put on one hold for over 30 minutes is unacceptable.

I'm 66yo professional post grad career quite financially responsible and have had credit cards since my early 20's. Never, ever been hit with late charges and interest for the card carrier picking up payment (electronic payment no less) late owing to holidays/weekends...until my MicroCenter Insider Card through Wells Fargo. I'd read such stories on review sites before obtaining this card and figured no problem as I'm quite good at paying ahead of time. They provided a one time courtesy of waiving the late fee but not the interest even at the 'supervisor' level. I canceled the card and can not recommend this carrier.

I have perfect financial standing with Wells Fargo credit card. Costco refunded me $2700 on my Wells Fargo credit card. It is my money and I cannot withdraw it from my account. With a very bad customer service and 3 months passed I still not able to get my money. Now tell me please is it a bank or thieves? It is a FARCE and I have to file lawsuit to get my money.

I recently had the pleasure of experiencing outstanding customer service from Wells Fargo, and I'm eager to share my positive encounter. Despite the negative publicity surrounding the bank, my personal experience speaks volumes about their commitment to customer satisfaction. When I realized that my home project account had accrued a $1500 interest charge after the interest-free grace period ended, I was understandably concerned. I had believed the promotion was for 24 months, not 18, and felt caught off guard. Although the initial assistance I received from their first-level customer service team didn't provide a resolution, I didn't give up.

Hi. This is Robland transport inc. I had an issue with a tow company in Tennessee. I call for a service. They never showed up. I call to cancel but still they want charge me money. I said no. I cancel my card. That’s the only option I had but Wells Fargo decided to charge me back the money. So what. I see Wells Fargo protecting the tow company rather than me as I’m their client. Stay a way from Wells Fargo at any cost.

I was offered a credit card with a high limit and accepted the offer and always paid ahead of time. Then they adjusted my line of credit without reason or warning 9 months later cutting my credit line in debt and maxing out my debt affecting my credit for less available and put my bent ratio on the card nearly 100%. Customer service was rude and had no knowledge why this happened and just reintegrating they have the right to change it at will.

I've shopped at Dillards for years because I used to love their Men's department. I'm very busy and do not shop that often anymore except online. I won't buy pants online because the sizing runs different on everything so, occasionally I'll pop in. Last week I did that and only spent around $300, just to get a message from Experian today telling me they lowered my credit limit from $3000 to $1000. Are you kidding me? My credit is excellent but because I don't shop enough they lower your limit. You would think with the little business they are doing and 1 star ratings across the board this would be something they would avoid. Not only have they lost me as a credit card customer, but also my husband. At this rate, they should be out of business soon! No loss to me.

DO NOT GO THROUGH Wells Fargo for Credit Card Balance Transfers! I opened a Wells Fargo Active Cash credit card because they were offering an introductory period for first time customers, and I wanted to move my finances around for a big purchase I made recently and unexpectedly. IE: car died and had to purchase new car and paying off repairs done to my home. When the application for the card went through and I received my card in the mail, I contacted Wells Fargo to speak to a banker to submit the balance transfer via phone because you cannot submit via online banking.

Consumers need to look at reviews for every credit card before they apply for that card. Just because you recognize the name does not mean that the bank is honest. I made the mistake of applying for a Wells Fargo active cash card based on their supposed rewards and no annual fee. What I discovered is that even if you have excellent credit, they begin to play a game with you and they refuse to tell you upfront if you have been accepted for the card. My credit score is very good 769. Others were over 800, and they were told they had to wait before they were accepted.

I asked them to lower my credit card limit to $10,000. The first representative said, "Sorry, we could only do $10,800," and I wondered why I had never had that issue. She didn't know, so I asked to be transferred to a manager; the manager didn't know and said she would escalate it and I would get a callback. Over a week later, I received a call, and the lady just told me the same thing, and she didn't know why. Then she said, "You need to lower your balance since your balance." I asked to what amount, and it was clear she made up a number and said $7,000. I said so to 70%. That's odd. "What am I at now?" She said 90%, so I said then I needed to lower it to $9,000, and she said she didn't know and would check. I waited again, and then she said she would have to call me back.

Never a late payment in 2 years. Zero balance last 8 months... Out of blue, they drop line from 1500 to 300. I closed account. Exactly what kind of people are they looking for? ** Don't waste your time. They will hurt your credit.

Wells Fargo turned me down for their cash back credit card three times. I have an exceptional credit score of over 800 and have money in the bank. So it seems to me that they are only looking for people with poor scores who are more likely to pay their exorbitantly high interest rates.

Just like others mentioned, poor customer service, and poor fraud resolution process. In fact, there is NO fraud resolution even if Visa provides 0 liability protection. Unfortunately, Wells Fargo does not honor this 0 liability protection. I disputed an unauthorized charge from Apple.com on Nov 27, 2023. Until now, Dec 27, 2023, no news and the status is still "waiting" for merchant feedback. I called two times, and on-hold for 30 min, to follow up. The answer is "waiting" for merchants. I regret to do business with Wells Fargo due to their historical fraud practices. ** Regret, Regret and Regret +_+