Wells Fargo Credit Cards Reviews

Today, the 22nd, I called again. The supervisor told me what I was informed or promised were all wrong (can you blame me calling you liars at this point??), the process was started yesterday, the 21st and will take another 2-3 business days. How disappointed I am and how much of overdraw protection fee I had to pay because you greedy bank.

So it ends up running too long and Wells Charges us interest. But it was supposed to be a no-interest loan. It feels very scammy to me. We were never notified of their delays in setting up the payments, they said they would fix it but they did not - and now, when we appealed this to Wells, they just don't care at all. This is a heartless bank. They are fixated on profits and do not care about the consumer at all. What is really ironic, for me is that I was giving Wells a 2nd chance; 20 years ago they abused our family, so badly we had to go to court against Wells Fargo - and we won. Honestly this is the worst bank I have ever used.

About a week later I try to use it and it is locked again. I am told that it looked like possible fraud because I was charging something to state of Florida. I told them "No, they unlocked it". Now two weeks later I am at dinner with friends and my card is declined. Very embarrassing. I call verify all my info including secret code but they said I need to go into a bank. Mind you it is Saturday night. I said, "What? This is crazy". I gave you the special code. She says someone tried to access my card. I said, "And did they have my code?" "No, but we locked it and it can't be locked till you go to a bank."

Why do they keep treating me like a criminal. They say they are trying to protect me. Bull! No fraud has ever been out on my card. They just keep treating me like a criminal not letting me use the card and making me go in person to a bank. They need to be stopped! I can cancel but I also have my checking and savings account with them and it is such a hassle. Why do they get away with this? Do not bank with them unless you want to be treated like a criminal.

Original Review: April 2, 2016

Purchased a bed and adjustable frame from BedMart Superstores in October 2015, and presented my Chase MileagePlus Explorer Card, in order to get frequent flyer miles, for payment. BedMart salesperson requested he be allowed to set up a Wells Fargo credit card account for the transaction. He stated a Chase payment would be too costly for his little store. That request would have raised a red flag had I known of the affiliation among BedMart, Nationwide Marketing Group and Wells Fargo.

Discovered from the product manufacturers and another BedMart salesman, my salesman misrepresented the products and therefore breached an implied warranty of fitness. In addition, the salesman forged my signature on a restrictive exchange/refund policy agreement. Disputed the charge with Wells Fargo, after returning the merchandise at the suggestion of a Wells Fargo agent (store refused to give a refund credit). Months later, Wells Fargo responded the transaction was valid because no refund credit issued.

BedMart Superstores is a member of Nationwide Marketing Group, North America's largest buying and marketing organization. Wells Fargo Financial Retail Services is a preferred provider of consumer financing with Nationwide Marketing Group. (The Wells Fargo credit card on which I purchased merchandise from BedMart bears the Nationwide Marketing Group name.) There is an apparent conflict of interest with Wells Fargo acting and deciding on behalf of Nationwide Marketing Group and its affiliated store, BedMart. For that reason, I filed a complaint against Wells Fargo with The Consumer Financial Protection Bureau (CFPB), an independent bureau within the Federal Reserve System.

So they don't tell you your card was possibly compromised, they give you no warning, they send out letter new card without you knowing they did, they shut your card down approximately 24 days later without notice or warning without option of turning it back on. My card reported possible compromised, not knowing I used it for 24 business days not counting weekends. I went to airport not knowing Wells Fargo shut my card down because Wells Fargo don't tell you. I bring no cash with me going and needing to go see my mom - she's sick. I tried to use card and it did not work. Called bank they said they closed it because of a possible compromise. They knew about 24 days ago.

I told them my emergency. They told me there is nothing they could do. I kept calling and was told over and over that "This is Wells Fargo policy and we cannot do anything for you." I said "I need to go see my mom and I have no money in my pocket." Was told "We cannot help you." I had to take my luggage and without no money for taxi, bus anything. I walked home. I was unable to get on a plane that day all because Wells Fargo feels their policy is right and not warning the customer is best practice. We need a loud voice. Everyone that this has happened to needs to come out. Let's get together and be a voice of many. They will have to here.

Long story shorter, I spoke with a manager and told her that I would pay the account off and to please have the late payments removed from my credit. I pointed out my long history with them and she told me that she couldn't do that because I was still responsible whether I received a statement or not. She was rude and it was very clear that they do not value my business. I will be closing the other two accounts asap and would never do business with them again if they were the last bank on earth!

When speaking to customer service she told me that a late fee had been posted to the account earlier today since the regular payment hadn't been made at that time, (although the regular payment was not late at that time). BEFORE the regular payment was due they had added a late fee to the amount owed on the card which FALSELY indicated that the account was over limit, THEN required the over limit amount (caused by the late fee) and the regular payment to both be paid today. Customer service said that she had received 4 calls about the same thing today and she did not feel that this was right either and she was submitting feedback to the company about this. I asked her if I had not paid the over limit amount (caused by the incorrect late fee) and only paid the payment that was due TODAY what would have happened.

She said it would have been fine because as soon as the (On time paid) regular payment posted that the late fee would have been removed. I am posting this in case others run into the same problem and to also alert Wells Fargo to them adding late fees BEFORE the cut off time on the date the regular payment is due thus causing an over limit amount and then the internet site requiring the over limit amount to be paid along with regular payment even when regular payment is being paid on time. Customer Service was very nice to me about the situation.

Original Review: Dec. 21, 2015

On Sat. 12/19 I had to make 3 separate purchases at a convenience store. Wells Fargo assumed it was fraud and denied the 3rd transaction. I called customer service, verified some transactions for them to assure it was me using the card. One transaction I couldn't verify because the banker didn't provide enough information to me. She then told me she had to close my account. I told her that was not acceptable especially this time of the year as I was out Christmas shopping at present. I demanded to speak with a supervisor. She connected me with Danny.

In my conversation with Danny I expressed how I have been a WF customer for over 20 years that I have bought 4 homes through WF during my relocations with my job. I asked to be notified prior to deactivating my account. Danny indicated that he understood, but during this time of the year with the transactions they experience there was no way they could contact each and every person when fraud was suspected and I concede that point given - it is Christmas time. I recalled earlier that morning linking my card to a rewards program and told Danny that was probably the transaction that the banker saw with no dollar transaction associated with it. He stated that is exactly what it is. "I will reactivate your card. Please don't try and use it in the next 90 seconds or it will deactivate it again." I said I won't and thank you and hung up.

I went to a mall that is approximately 20-30 minutes away, waited for someone to help me with my purchase to find out my card is not working. I went ahead, did all my shopping using a credit card vs. my bank card. On Sunday night the wife and I are having dinner and discover the card still isn't working. I call WF, the banker tells me at that point my card was reported as lost or stolen (not by me, it's in my possession). She wants to send a new card, I want this one working. I ask for a supervisor. She connects me with Ryan. Ryan reiterates what the banker has stated. I tell Ryan that is unacceptable and ask for his line managers contact information which he refuses to supply other than her 1st name, Karen. I inform Ryan I will go higher to Office of President and let it roll down hill.

Employees need to be held accountable for their actions as they represent organizations. Prior to denying someone access to their account they should be 100% certain that fraud has occurred prior to deactivating one account. They ask for home #'s and cell phone why couldn't I be contacted? More importantly why wasn't I told the truth by the 1st supervisor that my card wouldn't work? Wells Fargo states that one of their core values is "We value what is right for our customers in everything we do". This appears to be a lot of talk at this point for a 20 year customer.

Some more context: I'm leaving on vacation to go out of the country and applied for this card specifically for this reason; I leave a week and a half from now. Last Thursday, the card was reopened and the funding happened. My request was to have the card expedited due to my leaving the country. I was told that once the card was funded, I should call the customer care side of Wells Fargo and "they" could take care of that. So, that's what I did. Still, this is not the problem. When I did call customer care and explained to them exactly what happened, I was told that "Secured Cards" cannot be expedited and that it would take 7-10 days before I receive the card.

So here's the problem: Not one person could actually give me an explanation to the logic of that. As a consumer, I'm reasonable. I may not agree with a policy or procedure, however, I can understand and appreciate the rationale of the policy. The only thing anyone could say is, "that's our policy." When I asked to speak to a supervisor, I was told that "a supervisor would call me within 48 hours;" took close to 72 hours. The person who called me back was NOT indeed a supervisor; now I have been lied to!

The consequence: my vacation outside of the country is on the verge of collapse/ruin because I would not have access to that funding if the card is not in my hands by the time that I leave. Wells Fargo also told me that they couldn't do this for anyone under any circumstance. I believe that I'm one who tries give people/companies the benefit of the doubt and I usually don't get angry enough to write, but as a consumer, I am disappointed in the lack of accountability companies are held to when all I asked for was a reasonable explanation. It's as if the consumer really, REALLY doesn't matter and explanations are not necessary. Fact is, WF already has and had the money for the card. Extremely disappointed, but I will be even worse IF the card doesn't arrive by the time that I have to leave.

The customer service rep was less than interested in hearing what I had to say so I asked for a supervisor. This man gets on the phone and he too was talking down to me like I was the dumbest person in the world. Told me I agreed to all the terms of the loan and that every statement clearly told me ALL interest would be applied after the 1 yr mark. I told this man that I never realized ALL interest would be applied. I thought interest would start accruing after the deadline. I found this man snarky, very insensitive and rude.

I did not want all the interest taken off but I did ask for some sort of reduced fee seeing as how I paid a lot of money monthly to avoid the interest fees to begin with. I got the "I am sorry, we cannot make any concessions for you-this was the agreement you signed", "We have to be consistent with all our customers and cannot make any changes to your bill", "I understand your frustration but we can't do anything to reduce the balance of your account." I have NEVER been dismissed like that and I have had many credit cards that I have paid off and I have NEVER not paid on money I owe. My credit is impeccable and the reason is because I pay my bills. Wells Fargo treated me like crap and could care less that I told them I would NEVER refer anyone to them or use them for any future loans.

Now I know how they make their money... They WANT people to go past the deadline so they can screw people out of thousands and thousands of dollars. Obviously I didn't realize what I would be charged after the deadline and I don't care what I signed - my payments speak for themselves, I never NOT paid my bill. To have no courtesy given to me in anyway shape or form was truly disgusting. THEN my husband called and they gave him an even harder time. He was promised a call back twice from a manager and those calls never happened because as he found out today when he called for a 5th time, no manager was ever going to call him because he is not the account holder, he is just authorized to charge on my account. So my husband can charge on my account and get Wells Fargo more money but he can't talk to anyone regarding the account.... Ridiculous!!

I paid my bill off and closed out the card and trust I will NEVER use Wells Fargo again. I have had mortgages and home equity accounts as well as other loans.... NEVER AGAIN! Some people deserve a break of some kind over an honest error and the customer service department at Wells Fargo was less than understanding.

A couple of days later I discovered that I had a $237 fee attached to my purchase. I called the bank and explained. They contacted Wells Fargo Credit Card Customer Service on my behalf. The banker argued with them (his own bank) for several hours. He then contacted me to state they would not help me. I could try to call them myself. He advised me he did not understand why they refused to rescind the courtesy check and then I would charge the sale on my VISA card. He did not see a problem with this.

So I contacted them to ask the same question. The answer I received was that they would not refund the fee because the bank 'did nothing wrong.' They referred to it as a balance transfer and not a purchase. I never received any other explanation as to why they refused to allow me to correct the mistake. It appears Wells Fargo Credit Card Services is more interested in taking your money than they are in keeping you as a customer. That is not good customer service.

I had already decided to move banks for some other issues I had with them, closing out my equity loan with no notice because 15 years ago, they failed to put a lien on the house. Not through any fault of mine. We were in the process of buying a boat using that line of credit and it just disappeared (no notice). When I tried to fix the problem so I wouldn't lose my deposit on the boat, I was told it will take at least 2 months for them to review our account and reinstate the equity loan. I have since made other arrangement and will never do any business with Wells Fargo.

The first person I spoke to removed the late fee. I paid 63 dollars. The next month I got a bill for 92 dollars again. I called. The rep told me that she made a mistake. Late fees get taken off of total bill not monthly bill and that I still need to pay 92 dollars. When did late fees start being taken from total debt instead of monthly. The late fee was added on that month. That's when it should be taken off. So now I have a higher bill this month for something that was not my fault. I will report this to the Better Business Bureau. I am being violated. They have broken a new late fee law as well.

Day 11 I received a letter in the mail saying that I had insufficient funds. The bank teller tried to take it out the wrong account so I had to wait another 7-10 days. Asked customer service if they could rush it because I'm planning on pay for a class for school and the deadline is coming up fast. She said "sorry but we can't." Waited ten days again this time. The 300 was taken out.

Unfortunately I still did not have the card but they sent a statement. I called again to see why they could send a statement and take the money but not give me a card. The representative made me wait over 35 mins trying to figure it out. Finally she tells me that they forgot to send the card out but confirmed that they did take the money out on July 7th. She told me she will rush it and I should get it by Tues.

It is now July 23rd and I still have not received this card. I called and asked if I can just cancel the card. They then tell me it can take up to 45 days to get the money back and I might as well wait until the card shows. I asked if I could get some compensation for having to wait almost a month now. She tells me she cannot help me and apologized for the others who messed up. I have never been this upset at a bank. I want to go up to the bank, take all my money, and move over to a different bank so I never have to think about Wells Fargo again.

When I went into the branch on Caroline Street, in Atlanta GA today, I was given the "run around." They had me talk on the phone with a "not very nice lady" who told me that it showed that I had not started using the card till 6 months ago - which was a lie - as I started using it right away - as I had cancer - and the money & the $300 that I deposited was part of the money I was using for expensive nutritional products that I was using to cure my cancer. This lady said they had checked on me once before & I didn't qualify at that time, to go from secured to a regular credit card - and I could wait till they checked on me again - or she even said, "You can just take your money out & close your account - if you want to!" That was the worst customer service I have ever experienced with a bank!

When I asked the rep who was smug and rude for her supervisor she claimed she'd answered all my Qs and I told her "Doesn't matter. I want to speak to a supervisor about my card." She put me on hold FOREVER which is why I'm writing this review. Oh just an FYI, 5 mos ago CAP ONE offered me an UNSECURED $300 cc which after only 5 MOS OF PERFECT PAYMENTS, THEY SURPRISED ME WITH A $2,000 BUMP IN CREDIT FOR $2300. Now, who's the better bank... CAPITAL ONE or Wells Fargo. PLUS + I get rewards back in cash for every purchase made using my CAP ONE QUICKSILVER... Wells Fargo... nothing. SO TELL ME, WHAT'S IN YOUR WALLET??? Wells Fargo is stingy, & they tell you lies. Nuff said!!

I received the letter saying we were approved (the notice also included our personal credit scores which were both above 790). Imagine my shock when I received the cards with the accompanying rate info. US prime is 3.25% per the notice. Wells Fargo will graciously offer me credit with the addition of 18.9%, for a total of 22.15% APR. Really?!? You call this a deal? This is quite a bit HIGHER than the card I was looking to replace. Luckily I only wanted the card to have on hand for emergencies. Next move will probably calling to close my newly opened credit account.

Filing the claim was simple and all I had to do was provide proof of the circumstances with documentation through the mail, and even better, they provided a courtesy payment before I even sent them the documentation. The people at the call center are helpful and understanding. The only issue I've had with the program is that they are not allowed to assist with taxes. I'm having trouble figuring out how to report the payments on a 1099, but they said they will have their "Resolution Team" call me back with the information I need to get it done. I understand people thinking that this program is just a hidden fee on the credit card, but it has helped me so much when I really needed it and if you don't want it, just opt out. It's very simple.

Anyway, I called CD. I told them I didn't remember that I had possible benefits for vet bills and that I had not used my credit card to pay them but had used my debit card. They told me I could still file a claim. I had to apply for the benefit which took about two weeks. I had a credit of almost $500 applied to my WF credit card. This has come at a great time for me because I was unsure how I was going to be able to pay the minimum payment this month. Now, I don't have a payment due this month. So CD has turned out to be a good thing for me at this time. As far as my feelings about WF, I also get mad about them holding my paycheck for a day before I can access it. I'm living from check to check and this is a hardship.

It's my opinion that their top executives can be in serious danger and physical harm to them and their families. It's not a threat, just an amendment right to speak my opinion! So why don't we find a lawyer and file a class action? Or go to the media. This is just plain wrong. I also almost forgot. Wells Fargo is implementing a new policy next month. If we, the consumers, don't maintain a daily $!500.00 balance and use your debit card more than ten times a month, your account will be charged from $7 to $23. This is just another way for them to attach an overdraft fee for some of us, who don't check or stay on top of our accounts daily. Great job, Wells Fargo. We are in a recession, and you.are making issues on top of issues for us. I'm closing.accounts today.

This just goes to show that you should always review your statements and never trust your bank to do what they say they will do. I have had several other issues with Wells Fargo and having been a happy former employee, I am saddened that I'm so dissatisfied. Wells has terrible back-office systems and one must continually follow-up and return to the bank to get any issue resolved. As one example, I called the back office four times and visited the local branch two times over four months to get a debit card transaction resolved. Unacceptable!

Additionally, I no longer bother to leave a message for an employee at the branch, even when dealing with a manager or supervisor. I have never been called back because they apparently don't actually give each other the messages. Wells Fargo is a good bank in that they do the right thing and the employees are very friendly. It's just that they're unreliable in the short run and you have your homework cut out for you if you really want to get anything accomplished or any issues resolved.

I called the 800 number on 9/13/2010 as directed on form with pin number stating, "If you have not received the credit card you requested, please call us immediately at 800-249-3869." I called and they would not put stop on the credit card, saying often the card is received later than the pin notice. They wanted the card number, which I could not give as I didn't have it. Then they wanted my Social Security number, which I did not want to give them. I had a reference number, but they did not want that either. I said the account may have my deceased husband's Social Security number on it and offered to supply this. He was very nasty and said only my Social Security number would work.

I have now faxed 5 times with no response and still no Visa card. This is extremely frustrating as I don't know if someone has the card and is using it. I was told last night that it was not being used, but when I said by tomorrow that could change, I was told to wait for the card.

In addition, the letter with the pin number came addressed to my husband, who passed away 4 years ago. So I feel confident the card was issued in his name. Even though when I spoke with the lady who offered the card, she said it would be in my name.

I had to provide a death certificate to Wachovia for other accounts in addition to the Equity account when my husband passed away, so now they are aware of his demise. I have been crying for two days and throwing up. Not only won't they stop the credit card, but it brings back memories of my husband and he would be very upset to see this happening. Plus the fact there is no action and I have only an 800 number to call and their treatment is terrible. I feel like my chest hurts and I am concerned about this. My lack of sleep has affected my job.

Coming to a more recent incident, I purchased a new laptop online which I got on a 40% discount that was only there for one week on a laptop deals website. As my shipping address was different from my billing address, I called the bank twice to make sure they had the address on there listed as the alternate shipping address. It turns out, the customer services representatives I spoke to never updated that address. As a result, my order did not come through. The laptop company did not get back to me since the bank had told them that since the addressed did not match, it was okay to cancel the order all-together.

When an order is made with a credit card in my name and the details don't check out, the least the bank can do is call me and confirm if the details of that order (which is what banks are supposed to do and most banks actually do this!) because if I didn't make that order, I want to know who else is making orders on my card. And, if I did place the order, I would want to confirm it so it comes through! I was in the habit of checking up the status of the order online everyday (as I needed a laptop urgently for work), when suddenly I start to get error messages as I enter in the order details for tracking. As a result, I lost a week's time, a $450 discount and I was not in a situation that would allow me to buy a laptop for that price.

When I called the bank, they just acted like it was no big deal and that it was my mistake to have not put in the address correctly in spite of me mentioning that I had done so earlier. I even tried to bypass customer service and do it on my own but it turns out it can only be done through the bank, which makes me wonder why it wasn't done. After many, many, many hours on phone trying to fix a problem that was a result of somebody else not doing what they were paid to do, I finally got through to Wachovia customer service and got the address added on! Luckily, the customer service at Lenovo was wonderful and they not only apologized for not informing me about the cancelled order (since they only did what the bank asked them to) but they also agreed to give me the same deal as before with free shipping!

I had to wait more than 3 weeks to get the laptop when ultimately all this could have been done in a week! I'm really annoyed that somebody could be so careless while dealing with a person's money and purchases and I think Wachovia should hire more competent people to work in their call centers.

I just feel that people need to be more responsible as everyone else would not be in a situation which can be rectified as easily as mine was! Although I did not actually lose money, the amount of extra time I had to work as a result of not getting my laptop on time and the fact that there are so many other consequences that resulted because of this is very frustrating! I am grateful to the Lenovo people for being really nice about the whole thing because if they had acted with the same indifference, I would not even have a laptop to begin with! I guess it just goes to show that while some companies value their customers and put their satisfaction first, others just don't care and allow their callous call center employees to do what they please with the customers ultimately having to deal with the consequences!

Wachovia had credited back the charges from Verizon a few days after my original claim. Once I confirmed they were correct, Wachovia immediately took the $694.33 back from my account on 3/22/2010. I was told originally that the money would be transferred back to Verizon to make the transfer complete within 24 to 48 hours. However, 2 days went by and this did not happen. I called in again to the fraudulent department to check on status and this time I was told it could take 3-5 days. This time passed and still no payment from Wachovia back to Verizon.

I called in for the fourth time and spoke with Michael and was told that he saw the credits and that I just needed to call Verizon and have them call into the restoration department of Wachovia. He would not give me the number as he stated that Verizon would have this. I then called Verizon, and guess what, they have no information on this department. I am very frustrated, so I conference in Wachovia Fraud Department directly with Verizon to correct the matter. This time, I spoke with Debra and finally was able to get a manager on the phone- Carrie **.

I have been told this is a priority case, which I was told previously and it could take up to another 7-10 days to resolve. Carrie would not give myself nor Verizon the department name or any contacts that could help resolve the issue and 8 days later, my cell is still not active as Verizon needs the $694.33 back from the bank where they withdrew it in mid march. This is definitely not customer service. It is amazing to me they can withdraw the money($694.33) from my account within 24 hours but it will take them 2-3 weeks to give it back to the original intendee Verizon.

With this day and age of electronic file/fund transfers, you think they could resolve within 24-48 hours. This is the lack of willingness of the employees to escalate and take accountability and help a customer to get closure on a claim that know have filed as completed! Completed yes, because they took the money back out of my account but not completed in the sense they transferred it back to the original intendee. Unbelievable! Verizon is wanting the payment of $694.33 which they can see needs come back from the bank. However, the cell coverage is still off which belongs to my son and daughter as well as finance. Son and daughter on spring break with x husband and the cell phone is how I communicate with the financier does not have a working phone currently due to this issues. Very unsatisfied customer of Wachovia. Which I have been banking with since 1989! Zero customer service.

Then when I called again to make sure the payment was received and to ask to have the late charge credited, I got a different story. They said they couldn't because they credited me in Feb 2010. However, my bill was paid the last week of January so I'm not sure where they are making all of this up. Then I told them that the check was postmarked for the last week of January and was abruptly told that they don't go by that. They go by when it was received. Really? So all of the sudden it is my fault if my mail takes over a week to get to them and besides it probably sat on someone's desk for a week. I cancelled my card asap!

For starters, since I received the notice on Saturday, March 13, regarding the account being closed. It was too late to stop my Wachovia Bill Pay transactions that were scheduled on Friday, March 12 and Monday, March 15. Now Wachovia is racking up overdraft fees of $35 per transaction.

The branch manager called the credit card service again to get the procedures for closing the account. After my account was closed, I closed all my other Wachovia accounts. On December 4, 2009, I got bill from Wachovia stating that I owed them $141 which included a $71 finance fee and three months of late fees. I went back to the same branch and had one of the finance representatives contact the credit card services to find out what was going on. We were told that I was charged a finance fee for time period before my payoff.

I asked how could that be when I was given the total amount including any fees. The credit card rep said that they made a mistake and didn't give me the full amount. Note that they had already sent late notices to the credits bureaus, thus affecting my credit. I asked if they would send a letter to the credit bureaus stating that it was a banking mistake. In return, I told them that I would pay the fee just to have my credit fixed, since it was not my fault. The rep agreed and was to call me within two days with confirmation. He never called.

I went back to the same branch in Jan 2010 and had the same Finance rep call the credit card services. The credit rep was very rude, said that there was no record of our conversation and that I owed the money and should pay up. I asked for the same reconciliation of having them send a letter to the credit bureaus and this rep said that they would not do that and that it is my responsibility to pay my debts. I asked how could you charge me after giving me the amount to close the account including all fees. He said that the bank had no way to calculate finance charges until the end of the billing cycle. I told him that that sounded ridiculous.

After several rounds of arguments, I told him that I would not pay anything without a letter to the credit bureaus because I upheld my part of the deal by paying them the exact amount that they gave me with Wachovia witness present and never mentioned any future payments or fees. I asked him to stop calling my home 10 times per day. He said that they would keep calling me until I paid. I said, "Let's just go to court to settle this." He said that they would continue to mess up my credit until I paid. I said, "Go ahead. You have already messed it up." I have the names of the all the reps.

Economically, they have messed up my credit score based on what I call a made up charge. In addition, we have unplugged our home phone and different cell phones to communicate because we get a call from them every hour beginning at 0825 and at 25 after the hour until 2125 Monday - Saturday. I want to know how to get the calls to stop and to get them to fix my credit reports.

I once again contacted Wachovia. They advised me that they could give me a provisional credit for only 2 months because I should have reported it earlier. I have wasted hours on the phone with the dispute department and they cannot understand that I have done everything within my power to address these issues and they have been negligent by allowing the company known as Acai Berry Cleanse to have access to the funds in my account even after I reported the problem, cancelled the card and had been issued another card with a completely different card number.

We then called Wachovia and were told we were charged $125 in overdraft charges stemming from the night we went out for Christmas. When we asked how that is possible because we knew we did not go over on our card, we were told the tips from that night were not charged to the card until several days after. So we were charged three overdraft charges of about $30 in tips amounting to $120 in total overdraft charges and were told under no circumstance will get credit back.

Ultimately, this system now puts me in a situation where there is no way I can ever pay off the new charges without paying off the entire balance transfer first. This was not made clear to me over the phone when I made the initial transfer. This appears to me to be a trap that a consumer cannot get out of because they can never pay their way out no matter how punctual you are on your payments. I find this practice disgusting. I was told by the bank employee and their supervisor that there was no way that they could make this right and put me where I am supposed to be.

I spent about 30 minutes on the phone with them and was shocked by their lack of willingness to work with me. I am sure that the small print somewhere outlines this practice, yet, frankly, there was no explanation upfront, and I feel that I was tricked. I have been a customer of this bank since 1984 and it is unreasonable for them to be willing to work with me. Even on the assumption that I made a mistake because I fell into their trap, they will not help me to make it right.

The same evening, I received a call from the collection department and agreed to make the payment on the phone. However, the woman I spoke with told me that Wachovia had no way of knowing how to apply the two payments I had made previously; yet during my conversation with her, she knew all my accounts, including my two checking accounts, the old credit card number, and the new credit card number. Then, a man got on the phone to confirm that I was making a payment by phone, and when I started to ask him a question, he just hung up the phone on me. My account was placed in default, a notice of late payments was sent to the credit bureaus, my interest rate increased, my available credit cut by $10,000, and my minimum payment increased although I always paid much more than my minimum payment. Wachovia has refused to correct this and restore my credit rating and decrease the interest rate.

I'm still ou $100.06 and I don't think that VISA was ever involved, or had the opportunity to protect MY interests.

First of all, they posted a payment that was made today and then bounced payments that were made three to five days ago. What I found interesting is that one of the payments was for $20, made on May 23rd, but posted on the 27th. The merchant stated they received funds on May 23rd. How can a bank charge me for a transaction that previously cleared my account? Second, the bank is not suppose to cash a check 1) without ID 2)If there are not an equal amount of funds in that account. They did this at the time that I cashed my check.

The bank stated that my account was overdrawn since midnight. Why didn't anyone notified me at the bank? I would have withdrawn that deposit and waited for my payroll check to arrive. The representative told me that Wachovia reserves the right to post transactions from highest to lowest. What logic is that? Shouldn't payments be deducted as they are transacted? Why provide you with an available balance of what you have, minus the check card holds? I feel that they are falsely recording my bank transaction records. They are stating that those transactions were conducted after the $75 automatic payment. Which is completely untrue.

The representative also told me that they use a refund matrix to figure out how much they can give back. The top amount they can give back is 20% from the total NSF fees. That is not a refund. What they are doing is more financial compensation. With a refund, it's expected that the full amount is given.

How can Wachovia possibly justify this type of misappropriation of funds? The way the bank handled my transactions is criminal to say the least. How is it possible for this bank to advertise thier claim to being customer service oriented? Currently I am $284 in the red. The money from the deposit was suppose to go towards my student loans payment. In addition, I am unsure of how I am going to pay for my children summer camp tution fee.

I also reported the unauthorized and fraudulent charge to Wells Fargo directly (800-642-4720), however they refused to reverse or investigate the charge. In the meantime, the unauthorized charge by credit defense has still not been reversed. They constantly state that it may take up to 2 months to process; it has now been over 2 months! I currently have the matter escalated within Credit Defense (as of 2/20) but have not received any type of response. I have also reported this fraudulent behavior to the BBB, to the Comptroller of the Currency and Administrator of National Banks and to the Federal Trade Commission.

Unauthorized charge of $77.09 on my credit card. However, I also worry that if it was that easy for Wells Fargo credit defense to fraudulently charge me for something that I did not order -how safe can my information and accounts be? Also, both Wells Fargo and Wells Fargo Credit Defense have so far refused to reverse the unauthorized charge. What happens the next time this happens, and the amount is much more than $77.09?

The interest rates and the finance charges are beyond outragous and they are doing everything in their power to keep the debt compounding. This includes limiting access to their services and making it harder to pay on my account. It's not like I don't have any other accounts there, I do the majority of my banking with them. I will never have another credit card through them and I am evaluating services with other banks because I'm fed up with Wachovia.

My APR is now up to almost 23% on over $7700.00 and I am paying Wachovia over $160.00 in interest each month. Andy said that since my debt is unsecured, they can continue to raise it whenever they wanted to. I asked for his manager, whom he said was named Brian King (Senior Management). He stated that Brian King was going to tell me the same thing.

Is there anyone who can protect those of us who are paying our bills and trying to lower them, but are unable to do so because credit card companies have free course to raise our interest rates to any amount that they feel that they want to whenever they want? I do have a considerable amount of debt of which I have paid off over $40,000 in the past 5 years and am trying to pay off the remainder of the $38,000.00 within the nexr 4 1/2 years. However, because credit card companies, over 1 year ago, started raising rates to double digit numbers (most of them 20% or higher), it is becoming increasingly difficult to pay down bills, because interest rates are so high.

Some of the credit card companies have lowered my APR because I do have a good history of paying my bills on time, but Wachovia refuses to do so. I have increased the amount that I pay them, but it does not do any good because they keep raising the APR, and as Andy stated, they will continue to do so. This is not fair. It is almost as if they want to push people in bankruptcy.