Wells Fargo Credit Cards Reviews

Is the customer service with my Wells Fargo Visa card the worst? Who knows, you can't get ahold of them. Onerous call trees, no prompts that match what you need service for, no option to speak with a live person, then after 20 minutes of labor, frustration, nonsense, transfers, holds, and tears, you are informed they can't handle your call right now, you will have to call back later, and it hangs up. If a spouse was the disrespectful and cruel, you would divorce them.

I applied for a Wells Fargo credit card for my business. Over a month and a half I had to call daily for updates and to find out that I needed to send in new documents or was missing something. It took them weeks to verify documents I had sent in when initially they said it would take 3 to 5 business days. When I would call back, they told me they were behind and it could take much longer.

I have cash, investments, mortgage and several WF branded credit cards. Their credit card agent are awful. Of the 8 various institutions I have credit cards with, this is by far the worst by a big margin. I have their credit cards only for 5 years and I think I am at the point of winding down given how disrespectful and incompetent their credit card dept is. Luckily, I have options so not an issue with being stuck with them.

Worst customer service on the planet. Talked to nineteen different people and still nothing got resolved. Cancelled my card and couldn’t be happier. Do yourself a favor and get a Capital One card. Very happy with Capital One.

1-Star Review – Wells Fargo’s Complaint Process Is a Sham Designed to Dismiss Customers. Wells Fargo’s handling of my billing dispute has been one of the most frustrating, dishonest, and dismissive customer service experiences I have ever encountered with a financial institution. After paying my credit card in full, bringing the balance to $0.00, Wells Fargo charged me $276.77 in interest days later. When I contacted customer service, representatives acknowledged that the charge did not appear correct, but said they lacked authority to fix it and instructed me to submit a formal complaint. I did exactly what I was told — twice.

Was offered the One Key credit card with a $400.00 key cash reward if I spent $1000.00 within the first month. After spending over $2000.00 on said card, I received no reward of any kind on my statements following so after two months I inquired with Wells Fargo customer service who said they could not help me with that. Both Amy and John said they would have to transfer me to a different company who handles that. What?? Then after transfer, A gal named Lucinda said she couldn't find my account by my card number! What?? So she said I had to call the very number I had originally had to call for Wells Fargo customer service!! Oh I had enough of that nonsense! I immediately called back to cancel my account! Not playing these games of false advertisement and incompetent workers! Wells and Fargo should be very Ashamed!!!

Received a credit card promotion from this bank and called to ask a question about the credit card clause and the lady told me that she is not allowed to answer the question about the credit card promotion. Not a professional employee and weird bank as well!

Well I’m facing financial hardship at this moment and I called customer service and the first lady Jessa was very sweet but I got switched over to a lady named Katie and she was very rude and nasty. Just downright heartless on my matter of struggle to pay my credit card, I asked if they had any repayment options and she was rude with giving them to me, and it wasn’t no type of helpful benefits for me to pay back what I owe, with limited income at this time. I’m willing to take care of my debt but to i treated like that was a no no for me. I’ll tell anybody to stay away from Wells Fargo credit card.

The Wells Fargo Attune credit card is largely worthless. They say it offers 4% back on an eclectic mix of categories, but you find that many of the businesses that logically fall into those categories apparently don't code them to Wells Fargo's satisfaction. 4% back on pet care -- but I got 1% on my vet's bill. 4% on entertainment and attractions -- but I got 1% on museum admission and 1% on music shows at a major local theater. Wells Fargo blames the way the venues code, but you don't know that in advance. Better to stick with a 2% guarantee. This card is pointless.

I had a Wells Fargo home improvement card and it offers zero interest for a home project but when you go to use it the companies they represent for your project find out you’re doing a zero interest loan they raise their price for the job. So I called Wells Fargo and was told they didn't control the supplier's pricing so what good is the zero interest. So I took a hit and canceled the card. After all what good is it if you're going to pay interest anyway.

Wells Fargo is institution behind Micro Center Credit Card. While perks are good when using card to purchase items at Micro Center (5% discount), the bank can be easily confused if you pay off a new purchase while paying off a promo on time. They applied the payment of a new charge to the promo amount resulting in confusion and finance charge. Imagine incurring finance charges even though you are on time or early in payment. I thought it got settled when I brought it to their attention. In fact I received a confimation letter approving the dispute.

This is the WORST experience I have had with a credit card company in over 20 years! Thankful I do not have money in this bank. I recently updated my contact information with Wells Fargo online for my 2 credit cards I have for them. When I logged in to pay on my account I noticed my rewards account had a name that I have not used in over 10 years linked to the account. After 4 weeks of misinformation by WF and their inability to remove that name that they changed without my authorization I closed out that account. What a cluster you know what. Not one person in the actual bank or on the phone could fix their mistake. They finally told me I would have to request a name change!!! Seriously? They didn’t get my approval to change it from the name I applied to their company in and change it.

Used the card and was told I had suspicious activity and they needed 2 years of my tax returns. I’ve had multiple credit cards over 10 years and never had this happen. I’m not willing to give them that info. Was hung up on 6 times and transferred 8 times. Most of them barely spoke English!

Had a Brilliant Earth financed ring, took out in the form of a credit card. 12 months same as cash with a 'low' APR thereafter. I was 1 MONTH past the 12 month period, and had paid down nearly half and was about to pay it off. I looked at my statement and they had charged $1120 in interest in 1 month! It took my balance up by over $1200!! I will NEVER again use WF for anything ever again.

This credit card is supposed to send you out merchandise with your reward points. 8 out of 10 times when ordering something on their merchandise site, after wasting time scrolling through the information and then placing the order, they tell you the next day or two they no longer have that merchandise. This is the absolute worst credit card ever I had and I have had many in the past. This is a total scam.

Wells Fargo is terrible. I've held one of their cards for several years, of course always paying my balance in full every month. My credit score is well over 800, in fact a FICO score of 827 as of today. And yet today when I applied for another one of their credit cards they declined me. It's clear that Wells Fargo doesn't want my business.

This is the worst credit card issuer I have ever used. Wells Fargo has taken $2,000 from my checking account and is refusing to apply it to my Wells Fargo new credit card account. Absolutely unacceptable! Wells Fargo are acting unethically; I will never do business with this bank again. I will share my experience with millions of people online, file a formal complaint with the State of Illinois and the Federal Consumer Protection Agency, the Better Business Bureau, and I will possibly file a class action lawsuit. If they took my money, chances are they might do the same with millions of other people across the nation. It's time to put a stop to this behavior. Stay away from Wells Fargo!

Wells Fargo credit cards, I had 2 of them. One was for $8500. The other one $2500 I had $995 on 1, and I had $95, on the other one. They decided to lower my credit line. Down to a $1000 and the other one to $300. My ratio was under 20%. On all my credit cards. Never, ever been late. Always pay all my credit cards on time. And this is what Wells Fargo's will do to you. So I paid the $95 and paid the 995. Dollars, And close the accounts. Where they're stupid, they're as stupid. Don't deal with this bank. Have a nice day.

My FICO is over 800. I was turned down for their Visa. After being transferred/given 4 diff phone numbers, a rep said "the ratio of credit bureau trades with a balance of $0 was too great." Meaning, I didn't owe enough money for them to make any $ off of me.

I applied for a promotional credit offer with a credit score over 700 and was approved for a small amount. It seems the promotional offers are a scam to get you to apply for a credit card. The amount they approve is unlikely to help with anything you are trying to accomplish. Instead of approving a credit history appropriate amount, they approve a jokingly small amount that is not helpful for anything. Try other cards first, this one is a joke.

Worst security ever. This company cannot be trusted. Your loyalty is of zero concern. I personally had to replace cards 7 times in a two year period because my identity was stolen. Out of 8 credit cards, Wells Fargo is the only one that I've experienced this with. Additionally, they allowed my wife to close my single account and open a joint account without my knowledge or approval. Run, run, run, away, this is a company with zero integrity.

I filed a dispute on a charge even had cancellation from company and they still took back provisional credit. It was cancelled that day the comapny still charged the card is why I disputed the charge and when I called they said there was nothing they could do

I applied for their credit card after I was prequalified, even though my credit score was high and I never missed a payment they still denied me and didn’t even give a reason. They messed up my credit. I will not recommend them to anybody and I will never ever try to do anything with them.

I had the need to dispute a processed charge for a purchase made from Aliexpress for $630.46 for an item that was never delivered. The dispute was submitted on March 20th and partially approved and credit issued on May 22nd. The total purchase involved a mixed payment from the Visa Credit card account ($544.32) and the associated rewards account ($86.14). Only the Credit card amount of $544.32 was credited. The remaining $86.14 from the Awards account was not credited back.

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.