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About Wells Fargo
Wells Fargo (NMLS #399801), one of the biggest financial services companies in the country, provides home purchase and refinance loans in all 50 states. You can check rates online and then apply online, over the phone or in person with a local mortgage consultant. Loan options with Wells Fargo include conventional and government-backed loans, as well as jumbo loans and loans for new construction properties. As of the publishing date, Wells Fargo has temporarily suspended applications for home equity lines of credit (HELOCs).
Pros & Cons
- Free online banking and mobile app
- Free money transfers
- Large selection of financial products
- Low interest rates on savings accounts
Wells Fargo provides bank accounts, loans, retirement planning, investment services, credit cards and merchant services. It has more than 13,000 ATMs and 5,400 branches in 39 states.
Wells Fargo Reviews
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I found out that my credit card was used by a former significant other to set up recurring monthly charges. I promptly cancelled the card and was reissued a new card. Less than 2 weeks passed and I saw 2 of the same unauthorized charges post to my account through my new credit card. After spending over an hour and being transferred over 5 times I was told that Visa is actually a separate entity than Wells Fargo so when the vendor tried processing the monthly payment on the cancelled card, Visa went ahead and processed the charge on the new card, again without my authorization, because they said the person who set up the account, fraudulently, signed an agreement allowing Visa to give out my new account information without my authorization. Further, they told me that since I knew the person who authorized use of my card, I was to collect any unauthorized charges for that person directly.
Basically, there is NO protection for unauthorized charges to your account regardless of all of the advertising Wells Fargo does telling you that you are protected. I should have just closed my accounts and went to another bank then there would truly be protection. Live and learn. Time to go find another bank. Sadly, I have been with this bank for over 30 years...
I had four wf accounts. I have video that was recorded of me on phone with wells fargo customer service, they agreed to me recording. Telling me my balance was one number while my account showing another. I had them talk directly to Toyota Financial. At worst I had $300 a week disappearing. I kept records that were altered by them. It has literally cost me everything!!! My company, my vehicle, my home. I had to come back to Florida and over a year later I'm still struggling, starving, and barely surviving. Ludicrous for a gifted master electrician. I worked so hard, day and night to find out my money was bounced around and vanished!! Is there anything I can do to reclaim the lost funds? I went as far as contacting the IRS, who brushed off my claims??
I have been with Wells Fargo for more than 10 years, I do have different products with them. On 12/19/2016 I drove to my closer bank in IL which is about 25 miles one way from where I'm staying and their ATM direct deposit was not working; it was after they have closed. (It happened twice to me, first time was about 2 months ago in Green Bay, WI where ATM deposit would not work.) Well I did download their app and did a mobile deposit with them. Now it's been more than 24 hours and funds are not available. I have called their customer service at about 9 pm and ask them for clarification on the issue. They advise me that they are doing fraud investigation.
I have asked for a manager as I need to know exactly what I can do to get my funds as I have to pay my bills. I was transferred to a person who introduce herself as Tammy **, she advise me that she is with customer care executive services department. I have explain her the issue and she advise me that if I will go to the branch they might help me, however they cannot release my funds over the phone. I try to explain to her that I'm working and can't go to the branch that is 25 miles one way during business hours as I'm working and especially where they can't guarantee that they will help me. I'm a human being. I do understand that there was no one above her in the office at 9 pm. I have asked for a phone call from her manager tomorrow morning and she would refuse to ask her manager to give me a call nor give me her manager information.
I asked her to clarify me who is in charge of fraud investigation and who I can talk from Wells Fargo to see exactly what is going on. Tammy would not provide me any of the information and was keep telling me that I have to go to the branch. I asked her if branch is doing fraud investigation or no? She would not tell me. Then she place me for a brief hold (about 2 minutes) and again she told me that no one from Wells Fargo will call me as she is the highest point of contact.
I have ask her to send an email to her manager and have her manager give me a call or whoever is in charge of my fraud investigation, however she would refuse to notify her manager that I'm concerned and would like either manager or whoever is in charge to give me a call. I ask her again to send an email with request for a callback and she would refuse it. I am very disappointing with Wells Fargo customer service and wish that Tammy would at least try her best to help Wells Fargo customer. Again Wells Fargo Customer service is the WORSE.
I checked my account to see how much I had to pay to be done with my car loan. I paid that exact amount and my account page showed $0.00 due. Then I started getting calls from Wells Fargo that I owed them $42.00. I said that I paid the amount that their webpage indicated that I owed and could they justify or even itemize where this $42.00 came from? They could not. I talked to one Person then their supervisor then I asked to speak to the supervisor's boss and she told me that she was going to transfer me to the office of the president!
I was put on hold then spoke with "Travis". Who was very gentle and indicated that they would be putting committees together and gathering the troops to figure out what had gone wrong. I said that we had already wasted much, much more than $42.00. All to no avail. So now they are going to get back to me. Funny thing is that Travis sounded like he was in the same room as the other people I spoke with. Wells Fargo is NOT to be trusted.
I received notices on my properties for 16 month from a Michael **. I left over 67 phone messages on his voice mail and never got one call back. I lost the sale of the property twice because Wells Fargo would not return my calls and those of the buyers. Wells Fargo was involved in serious foreclosure fraud on thousands of accounts in reports on lawsuits reported in 2012-13-14.
I check my account, and I know exactly the money that we expended in the week, and the money that we have, and is gone $180 and I call to Bank, and they said nothing is missed, but I know exactly what we have and the deposits, and I know account very well, and is missed $180. So, I'm going to call to make audit, because the money is gone. Magical no??
My mother passed away with a Wells Fargo brokerage account and so we attempted to transfer it. It became so frustrating that my brother gave up and turned it to me. I soon found that the only way to transfer the funds was to open an account with Wells Fargo in my name. Then I was told I could do whatever I wanted with the money. I did the transfer and then the trouble started. First, since THEY could not locate the 1099 I filled out they took out about 20% of the funds for the IRS. There is no tax due. It is a small amount that was my parents' prior to me. I should say Wells Fargo's money because that is the way they acted.
I decided to move the money to my Vanguard account. This required a medallion signature to prove our identity. US Bank where we had no account would do it but Wells Fargo would not do it to get my money out of their control. Shocking! Even worse, I was promised there would be no fee to transfer my money out but I was charged $95. I did ask for a manager to call me but one has ever gotten back to me. The service was so bad it cannot be labelled customer service. I will never do business with them again.
I went into WF like I do every week to cash my husband's check. I went to the drive thru because I had my 5 year old and my 3 year old. I was asked if I just wanted to cash the check, and I told her no, that I wanted to cash and deposited. She stated that she was not able to do it, that since it was my husband's check that it could only be deposited. I asked her why it could not be done, she said it was against the law, and I told her that I been cashing it and depositing every week, I told her I needed for the funds to be available right away because I needed to pay my bills. She then says, "Let my speak to my manager," and she came back and said, "No." I got mad and said, "Let me go inside because I cannot hear you."
So, I went inside and went to the window where she was already waiting for me, and told her again that I wanted to cashed and deposited and again insisted that it was against the law. I told her that every week I have been doing the same thing without my husband being present. Now, this teller I had not seen her there before, and have always dealt with two other tellers which were not there today. I told her, "Then how am I going to pay my bills?" She then told me I could go to Walmart and cash my check. I got even more furious when she told me that. Why would I go to Walmart and cash it and get charged, when WF is my back and have been cashing for the past 2 years! I would not recommend WF because in almost every branch I have experience the same thing.
I direct deposit my payroll into a Wells Fargo account and have done this for many years. I had to replace my checking account due to a stolen checkbook and ATM card. The new account was opened earlier this year. Last month, I had the need to withdraw $400 out of the ATM (note that my limit has been $500 for over 15 years) and was told that I can only withdraw $300 of MY money out of the ATM for my own security. I told them to increase the amount and the customer service representative said I did not meet the criteria to withdraw more than $300 and suggested that I make a purchase somewhere to obtain cashback or go to a branch during business hours. I have been a customer many years but that will soon change as they are a very difficult bank to deal with.
I have been a customer with Wells Fargo for 15 years. I have multiple accounts and mortgages through them. I am moving my business elsewhere. I had my car set up on reoccurring bill pay. I traded it in on November 20th. On November 21st I tried to cancel my bill pay to Sun Trust bank since I had traded the car in and the loan was paid off. They told me they could not cancel the payment that had gone through on the 21st, but that I could file a claim. I contacted Sun Trust and on 11/28 they confirmed that they had received the payment but had sent it back to Wells Fargo THE WAY THEY HAD RECEIVED IT since the account was closed. I was told by Wells Fargo that I would have the money back in my account by the 10th business day (December 9th). I called back on Dec. 9th because it was not in the account. I was told to "give it until Monday (December 12th)."
I called back on December 12th because it was not there. I was told to give it until Wednesday (December 14th). Today, December 14th I called back because it was STILL not in my account. I was told to give it until Friday (December 16th). I WILL NOT BANK WITH WELLS FARGO ANYMORE. They are deceitful and hold on to people's money fraudulently. Their customer service associates are RUDE and do not want to handle anything complicated so they just say "call back later". I believe this organization needs to be thoroughly investigated for fraud.
I opened a company acct a few years ago. I moved $30,000 from other accts so all would be together in one payment. Not being a lawyer or C.P.A. I understood what I could and began paying at least $1000.00 a month. Three years later the balance dropped only $2000.00. Seriously. I called and was treated like dirt and told I might be considered for a much more fair rate. That is $36.00 in interest and they said I did not qualify for a lower rate. All payments were on time also. Great credit too. Such terrible people I am shocked. Hope they all rot. Stay away from this mob.
Wells Fargo has changed their website and method of transferring fund to non-Well Fargo customers. They draft the funds from your account immediately but take 3 days to actually complete the transfer. This should be against the law to take and use the funds for 3 days. At most this is Wells Fargo being unethical again to add to their illegal activity of opening fraudulent accounts. Someone needs to investigate.
I logged in to my WF account and noticed a transaction I never made. So verify I called WF to file a claim. After that I also called the company that my debit card was being charged. After verifying that it was an authorized purchase I called WF. Was on hold for 45 minutes and the block on my card was removed. The following day I went to a store to make a purchase but upon making the transaction my card was denied. I called WF and was on hold for 30 minutes so I decided to go home and still on hold. Finally after 56 minutes of being on hold, I finally spoke with a representative. I asked them, “Why was my card blocked?” I called the night before to remove the block and it confirmed by the rep. But this rep said that the card is still blocked.
The rep finally remove the block on my card and it took only about 10 seconds. I then asked the rep why was I on hold for 56 minutes? The rep said that they are swamped. I was furious and wanted to talk to a supervisor. Rep put me on a brief hold and I talked to a supervisor. Said the same thing. They're swamped. So now I get it. They need more people on phones so the wait time will be less, less than the 56 minutes I was on hold. This was not the only time I called WF and was on hold for more than 30 minutes. Removing my account from WF.
15 months ago we took out a loan for new windows in our home. We had a deal for 0% interest for 15 months. When I went to the website to pay off the loan, I noticed a more than $2300 interest charged to the account on this months statement. Keep in mind, the total of the loan was only $7200. When we called to see what it was for, they told us because the loan wasn't paid in full, they were charging 28% interest from the total amount of the loan. Even though over half of the loan was already paid. When asked to speak with a supervisor to have them waive the interest, as I was paying off the loan, they wouldn't budge. We have had several different loans with this bank but will NEVER do business with them again. They deal dirty and I want everyone who reads this to think twice before dealing with a company who has such poor customer service. Thank you.
I have recently registered a business and went to Wells Fargo bank located at 1755 Broadway, New York, NY 10023. Wanting to open a checking and saving accounts. I have talked to one of their account managers (NMLSR ID: **) and he told us that they most likely will not open our account due to the sole reason we don't live in Manhattan (I live in Queens, NYC). According to this account manager their (IMHO "discriminatory") view is that if you live in NYC but outside of Manhattan, you are most likely to deposit fake checks and take cash back.
He also told us if we want he can double check with his supervisor and recommended we wait outside, or he can call us back on our contact information he took from us. Me and my husband decided to wait outside his office. We waited and waited and waited, until the closing time. Then we were asked to leave the place and they told us they will call us back. This happened about 2-3 weeks ago, and we still haven't heard from anyone.
I went to Chase bank in Astoria (38-18 Broadway in Astoria), and Mr. ** was extremely professional and courteous. He opened my business checking, saving and a business credit card!!! Note that my business doesn't have any credit history but I do have excellent one, and they opened this. I think it's a discriminatory when banks chooses their customers for basic checking and saving accounts based on neighborhood where you live, race, color or sex. If you live in Harlem or Chinatown of Manhattan, and you heard similar explanation from this bank, please let everyone know.
Wells Fargo needs to be thoroughly investigated and criminally prosecuted. In my case I am a victim of authorized transfers from another Wells Fargo customer using SurePay. There is an individual that sent me money 4 times (sending a texted image of the transfer) from his Wells Fargo account to my WF account. Now he would have had to authorized this right? This was in November. December 2nd I get a notification from WF a suspicious email - so I called them. WF Fraud department claims these were unauthorized transfers and my account is under investigation. They shut down my online banking. I have no access to my accounts now, which I have several accounts with WF. Cutting to the chase... It is now Dec 8th and they still will not restore nor give me access to my funds in the account the transfers were made.
The person that made the transfer even called several times authorizing the release and telling WF to drop any claims and release my money that he transferred to me. I was told by the Supervisor of WF Fraud dept that I can expect restoration of my account and release of the funds within 24 - 48 hours and that has passed. WF refuses to give me adequate information as to WHY they are doing this - the person that sent the money is a WF account holder, called into the Fraud dept a number of times (to include last night again) authorizing the release!!!! WHAT IS GOING ON HERE? Wells Fargo is doing something I do not understand - I operate a successful small woman owned business, have multiple accounts, and cannot function under the way WF handles these types of situations where there is NO Situation at this time between parties and they won't release my funds or restore my online banking.
I have my mortgage with Wells Fargo as recommended by my realtor. My representative was very helpful in getting my pre-approval letters so I could get my house, but that is about all the help I've gotten from them. I was not sure if I could put a full 20% down and my representative said that if I had the 20% at closing I'd get a lower interest rate. I was able to come up with the 20% but of course my interest rate was never lowered.
Then, a few years later, I get a call from them asking if I want to refinance. I asked specifically what my payment would be and what closing costs would be and was told one thing over the phone, but when I got my paperwork in the mail (of course they rush you through this process), there were much higher numbers. I stopped the refinance and filled out a survey about my experience online. Corporate contacted me, but nothing ever happened in my favor. I refuse to pay more money in closing costs to move my loan so I'm just paying it down as fast as possible so they get less of my money. Will not deal with Wells Fargo again.
In August of 2016, I drove to the drive through window and asked for a balance check. Then I asked the teller if I withdrew $600.00, would I be overdrawn. I was told no. Actually I would have $175.00 in my account. I did not spend any more than the cash drawn out of my account. The following week I was told that I was $375.00 overdrawn. I was charged $175.00 in overdraft few. The bank replaced $70.00. Needless to say I closed my account. I then received a letter from Wells Fargo Bank informing me that the bank could make it hard for me to open a checking account with another bank. BOO YA!! I HAVE A NEW ONE. WELLS FARGO BANK IS A RIP-OFF. TRUST ME I DID BUSINESS WITH THEM FOR YEARS AND I HAD LOTS OF DISPUTES.
I am extremely dissatisfied with my experiences with Wells Fargo since my previous mortgage company sold my loan to them after I refinanced. My first impression was a letter I received after my closing in October. Wells Fargo threatened to obtain Home Owners Insurance on my behalf and back-charge me when I already had the proper Insurance.
The website for account access and transactions does not update properly. The site times out and kicks me off every time I try to manage my account within the site. And when trying Contact Us, I have been kicked off the site. It will not allow me to send a secure message or file a complaint within their system. When I set up my first payment for December the transaction never appeared as pending or processing, and there was no e-mail confirmation received. The payment did not appear at all. So I went on the next day to try again. The payment did show after my second try.
Over the weekend I received a courtesy email thanking me for my first payment. That payment cleared my account 12/05/16. When checking my account balance this morning I found that Wells Fargo overdrew my personal checking account by processing 2 full transactions for my December mortgage payment. After calling to clear this up I was told a wire transfer to refund one of the 2 payments may take 3-5 days. Overdraft fees from my bank and living with ZERO money until this transfer takes place in unacceptable.
After speaking to my bank, and knowing from personal experience, wire transfers can be processed the same day or instantaneously. If this is any indication of how my experience with Wells Fargo is going to be, I am not a happy customer and I will be filing formal complaints with every negative experience I have. I also plan to sell my house and get out of this loan as quickly as possible.
We had a merchant to accidentally took out too much out on a bill and called Wells Fargo to let them know. A month latter we received a letter stating they were taken out the money that they put in our checking account because we supposedly made a claim on it which we did not. When we ask them to provide the letter and should be on records who called to make the claim they can't provide the information. We're not paying for something that we did not ask for. They want close out our checking account. They starting making our checking account overdraft hitting us up with fees starting this since january. Wells fargo is a bank that I would not recommend to a goldfish. We work to hard for our money to let a bank so called wells fargo to steal it and yes they are thieves.
I had less than $100 in my Checkings account. After I used up half of it, I called my card and find out I have more than $100. So I pull out some money and put gas in my car. Then I put my little check from my PT job in my Checkings account and find out my account is a -$175. I was so upset, I was supposed to pay $150 to my PG&E. I went to talk to the bank and they said "well when you purchase items on the weekend the purchase doesn't go through till Monday." I didn't purchase anything on the weekend. Then she shows me all these transaction that wasn't on the weekend and said "that's why your purchases says pending". I said "what!" The whole time before the weekend I called my card and it says I have money in my account, so that's when I start using it. My account was always a positive until I put that check in my account. My order from Wal-mart which was 2 weeks ago, You mean to tell me that ** was still pending.
They are full of **. I will just leave my ** account open only to cash and withdraw the ** the same day. I will put my money in a Prepaid NetSpend account. Never had a problems with them. They don't even have an OverDraft fee. When your limit is 0 you just can't purchase no more. It shows every transaction on your phone. You just pay $5 a month. You can go to a Checking cashing bank and get a PrePaid NetSpend Card. ** the Banks Wells Fargo and Chase, they all the same. Money stealing scammers. There should be a law against them scamming and stealing from people.
I was just trying to get a secured credit card with my own money on it and they threw me through loops. I was transferred 7 times, one guy said it was because of overdrafts or missing a bill in the past 6 months. I haven't done either in years. I have plenty of money and they still didn't approve it. The workers at the local location the people are so fake and just horrible to be around, they don't get anything done either. When I lived in San Diego that location on Felton and El Cajon had horrible service very slow understaffed. It wouldn't kill the company to put some of the earnings back into remodeling their locations. They look old dusty and outdated with caulking and granite tiling loose. Their brand seriously looks like ** anymore these days, and the carpets at the locations I go to are absolutely filthy and old.
Do not bank here seriously save your self the time, find a bank with less **. They also destroyed my credit score from a 750 to a 500 over a $1000 credit card issue which happened over the time span of 1 month, when I have paid off a $20,000 car over a six year period in the past. This company will not show any genuine qualities, no forgiveness will be shown for simple mistakes, and they will ** you so hard. Pardon the foul language but seriously we're all adults. Do not bank with this company. Trust me I have been a member for my entire life 26 years, and I will never bank with this lying cheating company. Just read the news about how they made millions of accounts and lied about it to benefit their self.
I am on SSI and so are my sons. My youngest son had his SSI account with my name on it. They closed that account a year ago without notifying me or even asking me and there had been $20.00 in my account which just poofed. Last month, they removed over 400.00 from my account and won't tell me why or where it went. They have told me that they have every right to take my money and NOT tell me, as well as close my account, whether there is money in it or not. They have also told me that they have every right to DENY ME taking my own money out of my account!
They also have denied my Vehicle Insurance from my Auto Bill Pay. For 4 months they denied my ins. co. from taking money out and when they tried 4 times a month for 4 months, I was charged $35.00 PER try for 4 months putting me in the hole. When I asked them WHY they denied it their exact words were... "They are an unreliable and untrustworthy company." I told them it was FARMER INSURANCE and they were trustworthy. They never gave me back all the money they charged me for overdraft fees.
They have also denied my Truck company to take the payments out for my truck loan, as well as my Phone payments. Claiming that all those companies are "unreliable and untrustworthy". It's NO wonder they are in a multimillion dollar Lawsuit! I got something from one of the Attorneys that is helping to sue them. I gave them all the information they needed and I pray that I get a huge settlement from these **!
I visited a local Wells Fargo branch in St. Paul, MN. I asked for a $25 box of pennies. The teller graciously got the penny box and traded them for my cash. I am not a customer. I visit the same location one week later. The teller informs me they have to ask their supervisor. Apparently my request was granted. I wait 5 minutes, and the teller returns with the box of pennies. The manager informs me there is a noncustomer fee. I stated I was not charged a fee last time and will not pay a fee this time. The manager asked who I worked with. I stated I did not remember and asked for the pennies. The manager states, again, I have to pay a fee. I asked why a fee is charged. His response was they have to track the pennies. I respond I do not believe the reason and I leave.
I call the same branch and speak with a manager. She informs me the person that told me there was a fee was mistaken and not a manager, but another teller. Then asks me to return and pick up the pennies. I have to give WF an overall positive review because my issue was resolved. I called another local WF branch. They do not provide penny boxes to noncustomers. Why would WF turn away a potential customer, especially with the recent scandal? WF needs to get its ** together if they want to obtain more customers.
I wanted to open an account and the manager ran my social security number checking my credit without asking for telling me. She said, "Oh we have it on file, but don't worry it's a soft hit on your bureau so don't worry about it." I was astonished. I asked for the federal, state and corporate policies that she believed authorized her to do such a thing. She spent a week researching and came up with nothing but still said she has the right to utilize my private info without my consent. I filed a Wells Fargo dispute for resolution. The claims manager said the same thing. She also refused and failed to produce the written policy or law they believed they were following by checking my FICO score without our written or verbal consent. I invoked the FCRA and they did not even know what it was. This bank is more criminal and incompetent with their new "customer centered" CEO. What a nightmare.
Wells Fargo has found another way to rip people off. I have been using online banking for two years and have never had an overdraft by watching my account every day multiple times in fact. Now their new online website hides transactions and doesn't post them for two or three days. I cannot check my account for a true balance daily. I have been charge 4 overdrafts totaling $140 dollars in the first week of their new website. I am in the process changing banks. My little bit of money won't matter to them I'm sure but they have no honor or integrity in my option (The rich get richer) and we suffer the consequences.
I have been a WF customer for 14 years and have always been a happy customer, even defending them when the fraud news broke. After seeing the reviews, it looks like they are using lots of fees to make money now, including overdraft fees and holding checks and money long enough to Cause overdraft fees that they will only credit $8 and keep the rest. They recently left me sitting in their lobby crying while they sat on my money, refusing me access to my funds knowing my water was being shut off as a result. It's true, they have changed drastically in recent months. I am closing my accounts. The bank with good customer service wins.
OMG. They are the worst bank. They charge you for transferring money from one account to another. They also find every way to charge a overdraft fee. I hope the government shut they crooked company down. Opening account additional account in my name without authorization... The worst.
They rearrange your account transactions so that they can get money. I had a balance of $6 on my card. I spent $2 at McDonald's and it was drafted from account immediately. I did make an ATM withdrawal two days later and I acknowledged my overdraft fee. Well 6 days later I check my account and they've charged me a $35 overdraft fee for the McDonald's transaction all because McDonald's didn't take the money until 6 days AFTER I made the purchase! How is that possible when the account was positive at the time and the purchase was reflected on my online account? It's not my fault, and the employees I spoke with acknowledged that it wasn't my fault. But there's "nothing they can do." This isn't the first time this has happened either. This is the last time I will allow this to happen. I control my money, they won't. With that being said, goodbye WF.
Wells Fargo needs to be criminal prosecuted. In my case I was a victim of a forged signature into a second mortgage/credit line place in a home that I own with a partner, fraudulent notarized by a bank employee and even with all the documents proven same and recognized by Wells Fargo attorney, Wells Fargo is trying to strip me of my house with the ok from a legal system which only work for the rich.
I opened a Wells Fargo account to try and separate some money. I would have been better off investing it. Nothing but excellent customer service from the employees. No complaints there. I decided to close the account because it became a part time job to meet their monthly requirements to avoid the monthly service fee. Apparently opening the account to let the money just sit is not acceptable. The bank lines are either fast and moving or slow and long. Depending on location, time of week and day. I would and would not recommend Wells Fargo. It all depends on your experience with them.
Wells Fargo closed my checking saving account. I walk in Wells Fargo bank on 05/31/2016. After that day bank send me a notice they are going to closed my all the account even though I keep about $45000.00 in my account.
I had to use a Wells Fargo ATM machine at Atlanta airport for emergency cash. I had to withdraw $40. I accepted the $3 fee because I am not their customer. When I got home, in addition to the $43 withdrawal amount, I was charged twice $2.50 for "balance inquiry". Bottom line is that while a legitimate charge would be $43, I was charged a total of $8 to withdraw $40. Is that legalized theft or what?
They can't even give you a reason why your card is declined, even though you have the amount in CASH sitting in THEIR bank! I'm absolutely disgusted with this bank, the tellers are very rude and act like you are stealing from them when in fact it is MY money and they are the crooks!
At the time of writing this email I received a call from the Wells Fargo fraud department almost four weeks ago. They stated there may have been unauthorized transactions and wanted to verify transactions. There were two; One that had gone through, the other they caught. The second disputed item was immediately removed, but the second lingers. I have tried phone calls, writing emails, visiting a branch and speaking with the branch manager to have the first fraud charge removed. To date none have been successful. I have been a long-time customer, two plus decades, and since the Wells Fargo scandal and firing 5,000 employees the bank doesn't seem equipped to do their job. I'm very disappointed that Wells Fargo customer service has gone down the tubes.
Just closed out all my accounts with Wells Fargo. I was charged an "operational" fee of $125.00 for each of my accounts. I have read the fees associated with closing out IRA accounts, and although I feel these fees should be waived (I've been with my financial advisor for over 15 years), I understand Wells Fargo's need to get as much money out of me as they can before I leave. But to charge $125.00 for closing out a $2,500 brokerage account is outrageous. I can only assume you thought I would never catch this "error".
My mom has been ill for several months, so getting out of her home takes a lot of energy and effort. She called Wells Fargo customer service to transfer money from her checking account into her joint checking account with my dad. She was informed that this transfer wasn't allowed over the phone, so a cashier's check was issued. It was a large sum of money since she also closed her savings account. She also communicated their recent change of address to the banker to make sure that the check would arrive here. She was informed that the check would arrive in 5-7 business days.
We called on the 7th business day because the check had not yet arrived. The banker informed us that it would actually take 7-10 business days, so the check was most likely still en route. At that time, she explained that there is no tracking for a cashier's check as it would be difficult for a third party to try to cash this. The lack of tracking left me feeling very uncomfortable about the safety of my mom's money.
After the check did not arrive on the 10th business day, we called again. The banker informed us that it would actually take up to 14 business days, so that we should continue to wait longer. Once again, we were assured that it would be very difficult for a third party to cash a cashier's check. If that were the case, we could report it as fraud and a new check would be issued. The banker made it sound like it would be a simple process and that the bank would make sure my mom's money was protected in this case.
Unsatisfied with this response because of the inconsistent information we were receiving about how long the check would take to arrive, I pressed the banker further to see if she could track the check. In the process of trying to access information in my mom's account, we discovered that an incorrect address had been entered into her account. In the security process, the banker asked a question, pulling from public records, about an old phone number that neither my mom or myself could answer. That was very frustrating as the information she was requesting was most likely 20+ years old! As a result, she was locked out of my mom's account and could not further assist us.
I requested to talk with her supervisor. We repeated the same story, now with the added frustration and concern about the check being sent to the incorrect address. She was also unable to assist us because she was locked out of the system. The supervisor informed us that we would need to visit a bank branch to resolve this issue. Knowing that it would be difficult to bring my mom into a bank, I requested to speak to the next level supervisor. She transferred me to Customer Service.
Customer Service listened to our story and reassured us that it would be difficult for a third party to cash the check. If that were the case, their system would catch this, and it would be reported as fraud. A new check would then be issued. He also faced the challenge of being locked out of my mom's account. After frustration on my part and because I couldn't escalate this to another level of management, I agreed to visit the branch office. This phone conversation took an hour and a half in the afternoon, so I had limited time to get to the branch office, which closes at 6 pm.
I visited the branch office a short while later with P.O.A. in hand so that I could discuss this with the banker in person. She seemed frustrated to have to deal with a P.O.A. shortly before closing. After consulting with her legal representative, I was informed that I also needed to have a doctor's letter for proof that my mom was "incapacitated" to attend to her account. My other option was to bring in my dad as he is joint owner on their checking account. Then she could open up my mom's account to take a look at the issue. I left frustrated with no resolution and a feeling that what matters most to Wells Fargo is following their system.
After discussing this with my mom, she decided that she would come in so that we could address and resolve this issue. My mom and dad need this savings account money to pay bills. So I brought her into the same branch in the morning. A new banker greeted us. She immediately ran into an issue with accessing my mom's account because my mom didn't have the correct form of primary identification. My mom had brought in everything she had - expired passport, citizenship papers, social security and credit cards and an expired Wells Fargo debit card, but the system doesn't allow any of these as legal primary identification verification.
The branch manager was pulled in, and he also consulted with the District Manager, who happened to be in the office that morning. They all explained that the system could not be overrode without serious consequences to their jobs. The banker proceeded to put a stop payment on the cashier's check. We were concerned about where the money would go since my mom no longer has a savings account. We were also informed that if she wanted a new cashier's check to be issued, a $605 fee would be added to cover bond insurance. This was absolutely could not be waived by the bank.
If she didn't want to pay the fee, she would need to wait 90 days for the check to be re-issued. This was extremely frustrating! And we still couldn't change the incorrect address! This was also frustrating and concerning. For a bank whose system is so tight to protect customer information, now my parents' bank statements were also going to be sent to the incorrect address. This meeting took more than an hour. We left with no resolution because my mom had a doctor's appointment to attend.
The next morning, I brought both my mom and dad into the office so that the banker could get into their account and change the incorrect address. She was able to change the joint account information. However, she was still locked out of my mom's savings account since she was the sole owner, so she couldn't change the address in this account anyway! The banker proceeded to address stop payment on the cashier's check and to see if it could be re-issued without fees. After an hour of phone conversations, she informed us that even if my mom paid the $605 in fees, the cashier's check could not be guaranteed to arrive before January 27th, 2017, which was 90 days away. If we wanted the fees to be waived, we could talk directly with the bond company to address this. If she didn't pay, the check would be re-issued on January 27th, 2017 and sent to her. (The wrong address is currently still on her account!)
I also questioned - "what would happen to the funds during the 90 days since my mom's savings account was closed?" No one seemed to know or offer a clear, reasonable explanation for this. I'm concerned that after how this has been handled, that my mom could actually end up losing her savings account because of Wells Fargo's lack of connectedness and knowledge to handle a situation like this. My parents were getting pretty tired by this point, and I was now confused and frustrated. The banker, who had been in close consultation with her manager throughout this process, called the Resolution Team to see if they could do something and have the check re-issued. After more than an hour and a half, the banker told me that she would continue to seek resolution and would be in touch with me when she had information. We left the branch.
I reached out to the banker via phone and email later that afternoon for an update since I hadn't heard from her. She informed me that the Resolution Team is still looking into this, and that she would get back to me when she receives an answer. My mom's cashier's check of thousands of dollars is floating around somewhere - no one knows where - and the bank is unable to re-issue a check for her money because it was put into a cashier's check. This important piece of mail was not trackable!! I'm alarmed at how lax Wells Fargo has been in handling my mom's life savings!!!
When I checked my bank account I saw a suspicious pending withdrawal from my checking account. I immediately called Wells Fargo to let them know I did not recognize nor authorize the transaction. They said it would take 7-10 days to find a resolution. They told me that it looked like it could be to anything from an offshore bank account to possible someone stealing my information from a random transaction I had made. They really didn't know. The next day the pending transaction was gone, and my account looked right. I went into the bank and closed that account and opened a new account to keep my information secure.
They very next day I again checked my accounts, and somehow the debit processed overnight and overdrafted my account. I called the bank and they didn't know what happened but said they'd do more research. They finally figured out that the money had gone to my ex-husband's personal loan, and that he was linked to the account. They never called me to let me know the fraud alert had been lifted or that the debit was because of my ex-husband. The bank transaction does not say where the money went, and I have no proof that the money went to his loan. They are only telling me that is where the money went. I don't know if his loan was paid or if the money went somewhere else, such as to a Wells Fargo fraudulent account or to a collection agency for my ex, or any number of possible accounts. The fraud department never did contact me back.
I was able to grab my money from my dog's mouth before he chewed any paper. The damage was all bills torn down the middle. If you have the serial number on both sides and around 3/4 of the bill, you will be able to get to money back. Immediately, I took the money to my local Wells Fargo branch at 280 Brook Highland Branch, Birmingham, AL, 35242 and the I spoke to was told by the supervisor that it is Wells Fargo policy not to handle torn bills. After telling my wife the story, she said I think this is false. My wife banks at APCO credit union after having past issues with Wells Fargo. She stopped by APCO and questioned them on this matter and they said they are required by law to take the money and issue new money when they are in good shape as I said. My wife is in the process of getting everything moved from Wells Fargo to her bank.
I have Wells Fargo and last month I did a fraud claim. They gave me the runaround and when I finally got to file the claim they said I would hear from them in 7-10 days later and I still haven't heard anything. I had a block put on the account that someone had accessed my information and they gave me a new account number and a new card. So I thought all of that was behind me but I guess not. I go to check account balance and all of my money in my new account was gone. The account that had a block on it was over drafted and they took my funds from my new account to cover the overdraft fees in the old one. I have spent all day trying to resolve this and nothing is being done. I use to love Wells Fargo. Now I just want to go to another bank. Maybe Chase will be a better fit!! I'm closing my account today and going elsewhere!!!
I called the Fraud department on Sunday to report a breach of my checking account by a Cable TV company. The company did not have any of my bank card details, yet was able to make a withdrawal of over $350 without authorization!!! 5 days later, still no resolution, except to tell me that they are unable to approve the reversal because I once did business with this company!!! I had to verify almost my firstborn's blood type just to get them to speak to me about my own account, but This company can go in and withdraw a random amount without authorization. My money is not safe at Wells Fargo.
I've had the frustration of having to speak to not one, but TWO poorly spoken representatives that have no grasp of how to enunciate their words. I made it very clear that I want to speak to someone who not CAN, but WILL put my money back in my account. I will also be withdrawing my funds from both accounts with them and moving my business elsewhere. Absolutely disgusting protection of my money by a bank.
We have a checking account with Wells Fargo. About every 3 months a legal fee of $125.00 appears on our statement and is deducted from our account whether we have the balance or not. If we do not have the balance then an overdraft fee of $35.00 is also occurred. We have been told that when we opened the account and signed our account agreement (or how it is presented signature card) we agreed to this fee. This account costs us a minimum of $500.00 per year. Wells Fargo will not refund any of the fees either. Can this be legal?
I have used Wells Fargo for both personal and business accounts. I have followed their suggestions which only resulted in additional audits and additional bank fees. They have helped themselves to my account for FUTA tax with NO notice as if that is ok, they have added vacation hours to employees on their mistake costing me thousands of dollars. They cash payroll checks 2 or 3 times and during the reversal process it's always my problem to wait until the account clears up so I can have the funds back in my account. They nickel and dime you to death and not even so much as an apology.
Today I received a letter that they ID their accrual calculation error and now I need to go back to each employee to make sure they have the proper amount of vacation. I asked who I submit my bill for services too, and she laughed and stated they don't do that. Funny, because I am paying Wells Fargo to do that, but of course it's again my problem. This is the worst bank and most legal organized criminal institution I have ever encountered. I catch at least 2-3 mistakes a week. I can only imagine what they get away with when no one is watching.
I've been a Wells Fargo customer for almost 15 years in Southern Colorado. We have multiple accounts for multiple businesses that we run. I have LOVED the WF online banking and Bill Pay because it allowed me to see my accounts at a glance, see my TOTAL bank balance at a glance, and Bill Pay has been wonderful. I could set up different payments from different accounts and Bill Pay would keep them separated in different lists so I could easily see if I needed to transfer money between accounts for upcoming scheduled Bill Pay payments.
NOW all my scheduled payments are lumped together in one list, NOT separated by account, and NOT EVEN showing me a total - OF COURSE I can break out my calculator and add up all my scheduled payments to see what the total is and then see if I have enough money in that particular account - but isn't that the WHOLE POINT of online banking and Bill Pay services, that they provide that kind of info for the customer?
I wonder if Wells Fargo is making these CHANGES to their website ON PURPOSE - how many more Overdrawn fees will they be able to charge now, simply because busy customers (everyone is busy) don't have the time to get out their calculators, add up their scheduled payments, and check if they have enough funds to cover the payments?
I think it is ODD that the "improvements" include TAKING AWAY information and formatting that is HELPFUL to the customer. In between signing out of the HORRIBLE new WF website (that is OBVIOUSLY slanted to them and not to customers) and posting this review, I already started searching for other banks to move my money to. I am leaving WF after 15 years and I hope many, many more people do, too!
As of October 28, 2016 Wells Fargo has refused to close my empty savings account. I have made the request to close it in-person and by using their website. If they apply fees during this billing cycle, you will be hearing from me again...
With all the bad press, I thought I would just review because I have been with Wells Fargo for years and I have found them to be a pretty honest and upfront business for the most part, especially in the industry they are in. They would not loan money that puts people "underwater" on a house. They have taken care of my accounts fairly and although they have some fees, they are waived if you have certain types of accounts. I have had a few minor issues but hey, in 40 years of doing business could be worse. I wouldn't want to change at this point.
I had an under-18 minor account (joint, with my dad) with Wells Fargo growing up without issues. A month ago, we both went into a branch to close the account, as I am not a minor any more, and they assured us it would be closed. One month later, I get an email saying there are overdraft fees on the account. If it's closed, that should not be possible. So I went back into the branch and explained what happened, and they said they couldn't help me because the guy who helped us close the account had been fired due to the recent scandal and they "have no idea what he did," so I would have to talk to their phone banking number.
After calling, the woman on the phone said the account had never been closed and they would not reverse the 3 fees they have charged, nor was I allowed to close the account without opening the college student checking account, and she threatened that if I did not pay the overdraft soon my credit score would reflect "what a poor customer I've been to them" (I addressed the overdraft THE SAME DAY THEY CHARGED IT). That's simply ridiculous to try to take advantage of a student that way, and then to claim I MUST open an account to close a previous one? I simply paid the overdraft fee on the account, went into the branch, and made the manager close it while I watched.
As a business major, I am glad I never opened my adult accounts with this shady bank. They allowed 3 fraudulent charges to occur to their benefit (and that's over $100 out of the pocket of a college student who works full time), and I am appalled at how this whole thing was handled - Wouldn't you want to be willing to help your customer and right your mistake, considering they could be a lifetime member of your bank? Corruption starts from the top down, and Wells Fargo has finally demonstrated what kind of people they hire and shown their true colors.
I monitor my account daily. We had $10 in the account when my husband put his check in the bank. He checked the account when he put the money in. They have now charged 10 overdraft charges and I will have to give them 1/2 of my paycheck. Something has changed in the last 6 months or so. It is so hard to find a good bank. I will be closing my account tomorrow when my direct deposit goes into the account. I will pay what they say I owe and I will be taking my business elsewhere. They rearrange the transactions so it benefits them. I tried getting a loan a few months ago. They said I was approved. I finished getting them the information they needed. Then a month later they denied the loan.
I called to ask about it and someone was supposed to call me back. I am still waiting on that phone call. I still don't understand why the loan was not approved. I was told numerous times that we were approved and we were depending on that since we were told we were approved. They don't care about the customers. Just scamming money from people.
I missed a few car payments due to domestic violence. I had to move cross country closer to family almost immediately, within 2 days. Upon finding a new employer, government, I paid the balance due as well as paid 1 year in advance to show loyalty as well prove credit worthiness as this incident was not an indication of how I conduct my finances. I emailed and wrote Wells Fargo requesting a goodwill adjustment due to these extenuating circumstances. They could give 2 **. I will NEVER conduct business with them once my loan is paid. As much scrutiny that they have endured in the news lately you would think some type of forgiveness wouldn't be far-fetched.
This bank took $400.00 out of my mother-in-law's account instead of my account. She told them she didn't make the transaction and they told her yes she did. When we called that bank and told them it was us and to switch the money they still denied her claim and said it was her. I did speak with one lady and she said she was so sorry and they would use this as a training tool, and we should see something done and he haven't. I called again today and they told me it was denied again.
It's only been these past 6 months that I have a had a problem with them. They are outrageous with fees. I was charged $35 on more than one occasion when my account was overdrawn by no more than $3. From pending posts that take several days on their end to post. Although they say that it's the other businesses that are posting their receipts late. I don't believe that. This is just ridiculous. They charge fees on top of fees for such small amounts. They are really taking advantage of their customers. Mind you have been a Wells Fargo customer for many years. Left them and decided to return since there were a lot in my new area. I am so disappointed in them this second go round. I will never bank with them again and will drive further out of the way to bank with PNC or Chase. They are a fraud.
I mostly do not have any problems with Wells Fargo and in spite of what they are going through and it has not swayed my banking relationship with them. We all make bad decisions at some point and I believe in being loyal UNTIL OTHERWISE. Such is a time now. I went on vacation to NY and went to a ATM to withdraw 300.00. Only 220.00 popped out. On top of that, I was issued erroneous fees for transferring MY OWN money at a time when my balance was positive.
A week later, no one has made any attempt to contact me so called customer service in reference to these fees and my argument was consistent and valid. After nearly a hr, I guess she got tired of me because she opt to give me back my 35.00. She had to send me to someone else to discuss the 80.00 in which after sitting on hold for over a hr, they never came to the phone.
The next day, I see the fee was still sitting there along with another one and I am livid and call customer service again, according to her, there was no record of the conversation and all she could do was give me back 8.75??? Transferred me to speak about the ATM issue and again after 1 hr and a half hold time, no one came to the phone and the call just went out. Do they not want to confront my issue? Are they looking for a ways to recoup funds by these shady tactics?
I transferred some money from USAA Bank to Wells Fargo to cover pending transactions (the bank generally has a "grace" period for covering transactions that expires before 11 pm Eastern Time), so I transferred funds from USAA to cover the transactions. The transactions were "pending", but, in general, pending transactions will count against a negative balance and the bank won't charge overdraft fees. Well, in the past few days I have seen several overdraft fees because the lame WF Customer Service supervisor (named Reno) won't acknowledge their mistake.
Wells Fargo has undoubtedly some of the worst customer servants in the world. Wells Fargo has taken an iron-handed position towards customers to the point that most of us are tired of their wiles. Don't expect anything but a hassle from them if you are trying to work out a problem, and prepared to have your intelligence insulted by emails that give instructions we all have already read a number of times and know their processes and procedures (which they don't even know or follow well). Don't expect a resolution--and don't expect good communications. Bad communications corrupt good manners.
Last week 1200 in savings to pay appliances we are moving Nov 1 was taken from account. When contacted WELLS FARGO they claim account was hacked but since it was in savings it's not priority and then proceeded to tell that we will not get 200 interest back when they get to it; called again (this is life savings at age 23 and twins another on way) was told oh well they will try to expedite but they can give 5K personal to help in meantime... I have contacted a lawyer and am to talk to a manager today at bank... This is not a hack. WELLS FARGO seems to be depleting many savings accounts and taking advantage of their long time customers...and we will be pulling all accounts and telling all family and friends... RUN.
They charged me 400$ overdraft protection!! I made my purchases on a friday. On monday they charge me 35$ for each little purchase I made on FRIDAY!! They said the federal reserve doesn't work processing on weekends, the bankers I spoke with couldn't even tell me where the federal reserve came from!! I told them "please do yourself a favor look up the term ECONOMIC SLAVERY!!!"
Worse customer service I have ever experienced. As a dedicated customer for a decade I would assume I'm a valued client. Unfortunately Erika ** doesn't believe that after the uncalled for treatment I received Saturday. For a business that has been publicly shamed for their corruptions one would believe their customer service should be extraordinary. However this is not the case. It was slow and Erika ** clearly didn't have a lot in her plate yet. She just couldn't take the time to listen to my issues that I have been having with my accounts for a month now.
As a result none of my concerns were even addressed, due to fact that your employee would rather give attitude than listen and help resolve any of the issues at hand. It is shame that this company would employ such a rude banker especially since she is the face to your company. I highly recommend to anyone in need of assistance to avoid Erika ** for you will not receive help but get disrespect instead. To save time and resolve any concerns wait for professional banking specialist, Erika doesn't not meet any these qualifications.
I had a great working relationship with Wells Fargo over the years. They provided great customer service. They were attentive to my needs. I took out a personal loan last year to pay for some household needs, and to consolidate some debt. I was able to make the payments with no problem. But, then my life was turned upside down. I tried to use a credit counseling service to pay off the debt, and to keep my credit score. Unfortunately, due to my low income problem, I was unable to keep up with the payments. I was also unable to pay them directly.
I tried to make arrangements with them, but no luck. I asked a hypothetical question; "What if I was to not have any income?" The customer service representative, in a snooty tone, said my account would get in a charge-off, and my credit score would be even lower. I tried to reason with them, between my rent and household bills, I couldn't catch up on my payments. They would not budge. Credit cards are willing to work with you. Why can't they? And, don't even get me started on the crazy overdraft fees. If you even pay $1 overdrawn, you're hit with a $35 fee. I can't wait to completely cut ties with them. Their business practices are unscrupulous. If you make a certain amount, they're all for you. But, if you fall on hard times, you're on your own.
Wells Fargo does what many banks these days do. They reordered my transaction history and misrepresented my account balance so it seemed I had a positive balance and then they tried to charge me 5-6 overdraft fees on top of each other. How is this practice still legal? NO IDEA. Basically I purchased a plane ticket, the transaction did not appear for several days. In the meantime I made several purchases and also went to the dentist. When I made these purchases my account was in positive balance and ALL purchases appeared on my account. Before making them I checked to ensure that my plane ticket had not depleted my balance. Knowing I was going to get paid tomorrow, I was hoping the transaction would wait one more day to show up, WORST case scenario I would be stuck with an overdraft fee which I was TOTALLY willing to deal with.
HOWEVER I did NOT suspect after checking my account today online that my transactions would be REORDERED to reflect the plane ticket (which clearly came in TODAY as I checked many times yesterday) was put BEFORE all other transactions from yesterday so that every transaction even my $3.00 Walmart purchase would be charged a $35.00 overdraft fee. What a COINCIDENCE. How CONVENIENT. If my account shows positive balance when making purchases and that is not the case that is the banks fault NOT MINE. Seriously how ridiculous.
I WORK in the banking industry so I know this is all too common in the banking world. Disgusting. Definitely closing my account ASAP with this corrupt institution and opening up with a local reliable and trustworthy credit union. And you can bet Wells Fargo if you read this I will certainly advertise to as many people as possible what a corrupt and deceiving institution you are. It probably will have no impact on your millions of customers or billions of dollars worth of income but it's the very least I can do to try and prevent other people from making the same mistake I did by creating an account with you.
I have had the worst experience with this bank! I woke up Friday morning and my whole check was gone!!! They had put a hold on my money due to an error. I could not pay any bills! I have 3 children and bills to pay. I called them everyday to explain what happened and to release my funds, a sheriff even sent over a release form! They still have not released my money. And every time I call their legal department, they are VERY RUDE! THEY have even hung up on me several times! Again, this bank is the WORST!!!
I've had nothing but a bad experience with this bank, waiting for a loan since February and the 1st loan officer was very unprofessional, lied and argues with the customer and insults you, not with bad words, but he throws his insults indirectly. The first loan, on the closing date supposedly they found something wrong. It was one excuse. l was going to go with another bank and my mom again submitted another application for a different loan to do an extension on her house after she had her mortgage with them and paid before the 30 years. Now we hear from them and it was denied and the application was submitted in May.
We are in October and now we hear from them after emails and several phone calls we made and were always ignored and paid two appraisal if we didn't start making complaints, we probably wouldn't still hear from them this place has left a bad taste in my mouth I would never give them my business I'm currently helping my mom to remove all her accounts from this place, it is a very big disappointment. My company recently has transferred our 401k with Wells Fargo and I'm really mad about this. I have an option to remove it but then the company will not match me, so I'm really thinking of what to do with this problem, but I do not want nothing to do with Wells Fargo... They are very unprofessional.
Called several times and was disconnected and then called and spoke to a lady which whose name I don't recall and then spoke to a man named Tom who sent me to another extension and was still hung up on/disconnected. This is the most horrible bank in the entire world and should not be allowed to treat people this way. They work for the little "people" who are trying to get help from them. As we pay our mortgage they get paid from our bill being paid on time. This is complete horrible business ethics and their employees are horrible as well. They will not help you and continue to give you a run around or dismiss you completely like Hillary Clinton treats us. "Deplorable" I believe were her words.
Dealing with this bank in my opinion is time consuming and frustrating. Today it's bill pay. Not only did Wells Fargo change online banking to resemble mobile banking, I have problems on a regular basis. The bill payees aren't visible and now I am getting an annoying message, unable to retrieve payees. I would like to know, when it is okay to look at my bank accounts or anything else I've set up online? I wasn't even able to send a message by way of email to make customer service aware of the problem. Please find a way where customers can access their bank accounts without delays and technical glitches.
After years of business. Never seen or thought will see a US based bank fraud as Wells Fargo bank. Why? Because banking industry is the most regulated in the US. It's crucial to keep this regulations to protect consumer rights and investors. One of the most important part of the great depression that our country suffered was from failing banks. If we lose trust in our financial institutions, you could imagine what could happen.
The worst part of all of this that Wells Fargo paying heavy fines and settle with regulators but nothing to the actual consumers. I have sued and still going on since 2012 Wells Fargo for fraud employees and selling information. Opening untruthful (ghost account). For the purpose of defraud. Unauthorized transfer of money. Illegal and secret fees. Failing to fill full basic fiduciary and legal responsibility of protecting your accounts.
At that time it was new to the public to know and how would any believe that a US bank could do that and get away with it. Their illegal action and failing the simplest role of banking industry cost me over $600,000!! Sound crazy. Not too much there bare more damaging to other companies that my small company.
Who's responsible. Wells Fargo or their employees and branch managers? At the end Wells Fargo is the entity that we know. So much violations. Keeps wonder how they operating in the US. Simply we settle down with regulator for small change and billions of dollars being uncovered. Big boy syndrome! (My idea.)
Agencies are happy to be full funded by these millions of dollars they received. Wells Fargo happier for paying 1% of total fraud and still on top. Consumers and businesses get screwed big time! And find a port or a form to write a complain like it going to change a thing (lol). And we sue for years and heavy lawyer's fees and then you might give up or settle for none. God bless America!!!
I've banked with Wells Fargo my whole life, and shame on me. Living paycheck to paycheck, my account was near zero balance quite often. Wells Fargo's overdraft fees are a little high ($35 per charge) but not the real issue here. It's the timing and ambiguous explanation whenever I KNEW that charges were either after my deposits or the order in which payments were "processed." I can't tell you how many times I had $20 in my account, had a few $3-4 charges, and then a $26 charge a few days later. One $35 fee is fair, but they would process the $20 fee THEN conveniently all these smaller ones. After years of sketchy processes similar to this I've had enough. Their legal problems are no coincidence, they are a greedy bank trying to rip off people with minimal funds and keep them there with vague explanations on sketchy overdraft charges. Go to a credit union, you'll regret banking here.
Capital One sucks. My account was hacked and bank account drained. Days before this I had received an email from them saying I had updated a new email address for my account. I called Capital One and told them I had not made any changes and told them this was suspicious. The agent assured me that there was nothing to worry about that the update was made within the company. 4 days later I'm in the hole with Wells Fargo. The person that hacked my account was able to change my address and email and now was making payments with my bank account to Capital One, not sure as to why yet. I contact Capital One and I am told there is no record of me ever calling to dispute email update, they go on and on with this as I am trying to resolve this issue while sitting at Wells Fargo, in front of a rude disinterested banker.
I'm in the process of disputing 4 Capital One unauthorized payments, while I am juggled from one Capital One clown to another, until one admits there is a record of my call and that they will make sure to retrain agent. Ok that is wonderful, but it's obvious that your company failed to provide me with the security it so alleges to provide. Resolve my issue.
Meanwhile at Wells Fargo, I have to sign paperwork affirming that I did not authorize these payments. This event is orchestrated by a Notary Public. I am thumbprinted and verbated all kinds of mumble jumble legalities. It gives one the feeling that at least from the bank's end, this matter is going to be handled in a professional and flawless manner... Metaphoric seltzer spray to the face!!!
Here's the fun part, the payments that were clearly unauthorized, through notary grandness, and serious documentation, signed by all, were not the ones that that were stopped. It was the actual payments that were to paid that were froze, these were supposed to have been paid. Instead the fraudulent Capital One payments were forced through. I went to the bank and the disinterested banker was even more disinterested, she assured me that the payments I wanted to go through were paid, and the bogus ones were pending and would be returned to my account. I felt like I was overreacting, left upset and unhappy with this lady's attitude, but she is the banker so she knows what going on.
Following day, I see the email from one of the entities, I was told received payment, they were unable to process payment. I see red, I see the bankers smug little face, I know I cannot go back to the bank. Because now I am feeling like I could just get super ghetto, and I can, especially at this point. I am older now, a grandma, a caring light seeking being. I must not open a can of whoop ass and go to the pokey. I am on the phone from 8 am until 140 pm. I find out that my disputed payments are not disputed. I have to redo the whole thing over. I am certain that my legit bills are what was stopped. But no one will admit anything. I am told there is no record of me coming in and disputing payments, ah but I have the paperwork.
I ask, "What about my bills that need to be paid?" "You can pay them online," I am told. "But with what money?" I ask. My work check will be direct deposited into my account and probably will be eaten up immediately. "Once again Ms. ** I am sorry for the inconvenience", something about a following business day... blah blah blah. I have had a horrible, horrible week. I am done with it. Any ideas on how I can find a public platform to vent to? Or does anyone know where a money tree is?
I submit this review because of all the attention Wells Fargo has been getting lately. People need to realize that the folks working at Wells Fargo are not ALL crooks and most are just people trying to get by. I'm not saying I'm fond of business practices there but what I see are nervous tellers walking on eggshells afraid to speak because there's always someone stalking them to do their job. At the branch I frequent there is one teller in particular who actually seems picked on. I can tell she isn't happy in her position but it seems she wants to be. It just seems like with every transaction she makes someone is watching her and they always jump in. She will get a customer and before she can even speak someone is all over her case.
The poor girl is beaten down and walking on eggshells all day! That's no way to treat an employee and no way to run a business. I always try to be really nice to her and direct questions to her and not whoever is riding her back as so many do. I have gotten to know her a little over time mostly because I feel sorry for the poor girl. I know I could never work under those conditions. She will never gain confidence if her employers treat her like that and even less if customers get in the habit of looking past and ignoring her to pay attention instead to whoever is on her back that day. It makes me uncomfortable as a customer to be honest. Makes me wish I trusted online banking just so I wouldn't have to go in there.
I had my bills set to come from my account! Everything worked smoothly from the beginning but one day I wake up and the remaining balance that I had leftover in my account was now gone and my account was overdrawn $51. I called and spoke with a representative and she informed me she would note my account and explained that merchants have 2 days to provide receipts if not the funds are returned. I'd overspent a little more than I'd actually have, ok fine. There were no fees associated with my account, ok fine. I had a $200 deposit in my account and all of a sudden it's -$121 even after the $200 deposit! I called and referred back to the moment I spoke with the first banker and they state it has to be researched on WHO I EVEN SPOKE WITH!!! This bank is a FRAUD!!! They LIE! They are RUDE TO THEIR CUSTOMERS AND NEEDS TO BE SHUT DOWN!!! IMMEDIATELY!!!
When I was going through the financial aid process for college, I needed extra funds that FAFSA did not cover and applied for a Wells Fargo Student Loan. At the time, I was only 18 and just graduated high school and like many students did not have much financial advice knowledge. The banker was aggressive and approved me at a high interest rate (now at 12.99%!) due to no credit history and unable to find a co-signer. At the time, I desperately needed funds for school and did not know the nightmare that this loan would cause.
She stated that I could refinance at a lower rate in the future and that Wells Fargo also offers "discounted" interest rates if I signed up for a checking account and credit card. 5 year later, I am stuck with the student loan and unable to be approved for a lower interest rate. The interest is horrid and payments for a fresh college grad is a complete struggle. I was told by the student loan rep that they do not offer the discounted interest rates. I feel cheated and taken advantage of. It's sad that they feed off a vulnerable college student.
I had a retail account with Wells Fargo. One of many. They flipped it over to a wholesale account. The wholesale division charged my checking account between $500 and $700 a month. Ironically, they explained that the charge was for compensated for making sure there were no inappropriate fees or penalties on my checking account.
When I began to fix the problem, I was told wholesale had nothing to do with retail and it would be very difficult. One woman actually told me she would do her best to get most of the money back. Most but not all of these fraudulent charges. I told her she was not only going to get all of that money back, but she was going to apologize, and she was going to mail me a cheap pen.
I did get all of the fraudulent charges ultimately returned to me. It took over three months. It took hours and hours of my unbillable time. I hope that the committee has not only looked into retail Wells Fargo, but has also taken a good look at the wholesale division. Once I had all the funds returned to me, I close the account permanently.
Wells Fargo has shown me time and again that they couldn't care less about their customers. I have had an account with Wells Fargo for 18 years (I started it when it was Norwest). Since Wells Fargo took it over they have shown me there is nothing they can't screw up. This month alone (September/October of 2016) I went in and ordered checks. The banker (not a teller, a banker in a suit) said he would do it when he got back from lunch. I said fine. The bank manager came over and gave me his card and said call me if you need anything. That was on Sept. 9th.
About a week later I called the bank manager, left my account number and name on his VM and said I just wanted to follow up and make sure those checks were ordered. Never heard back from him. Today (Oct. 5th) I called and they had never been ordered. Not only that but they were now going to charge me $20 for what was a free checking account. I have never paid for checks there. The story could go on and on but I just want to say that the whole bank stinks of gross incompetence, they always have. It reminds me of government bureaucracy, completely inefficient, couldn't care less and sure to screw you coming and going.
I made a deposit to cover pending debits to the account. The Bank not only debited the account but did not honor the deposit to cover any pending debits and charged me overdraft fees of 140.00. This after calling the bank to assure that they knew the deposit was inbound and was worried that I would be taken for all the fees. And I was told by the banker that there were notes and memos made as a courtesy. I was asked to call again if in fact the fees were taken and they would handle it.
I called and Wells Fargo had no notes on my conversation with the banker previously. They would not reverse the fees and furthermore the customer service rep said continued to berate me on overdraft fees. I had fraudulent charges on my account and this rep stated how many overdraft fees I have had in the last few months. It felt horrible especially when these were bank errors that reversed the previous overdrafts. It's amazing how awful experiences can be these days with Wells Fargo. Amazing.
I had two separate calls with Wells Fargo customer service due to issues with my account and my card and both times had to hang up because (1) they were rude to me as a customer by basically denying that what I was telling them was true and that what I was saying did "not make sense", (2) being very unhelpful about the situation. I am considering changing banks and would not recommend Wells Fargo to anyone.
The first week of Sept 2016 I entered my grace period on a 5 year CD held by Wells Fargo. I originally took out a loan against it which only had a balance of $305 to which I have never made a late payment on. It is now October 3, 2016, an entire month later and my funds have still not been transferred to my checking account. I am single mother of three and have important financial matters to take care of. I have processed this request a total of four times with "the form" being submitted a total of three times. I have made multiple calls and escalated them all to supervisors. I have spent hours on the phone every single time. The first two times the supervisor whom I escalated my request to told me that the funds would be released within 2 business days.
On the third attempt after escalating to the executive offices I was told my request would be processed by 9/29/16 at the latest. I have a case number and have done everything I can to have my funds released. I am horribly in despair at this point because I feel like I can't trust this banking system to do what they have promised. I am on with another executive officer member now who states that there is no one else above him who also noted all he can do is process the form once again!! How do I know that this fourth time of processing the form will release the funds. I did everything right, I followed the directions, reached out during the grace period as directed - WHAT DO I NEED TO DO. Wells Fargo does not care about its customers. Transfer my money and figure it out yourself. I'm in limbo without the needed funds to process alternative pre-planned transactions. I can't wait to no longer be your customer. This is evil.
I went to a Wells Fargo branch and asked that my account be closed in July 2016. I had a control bank with the organisation and I paid off the money in cash due on it asked that it be closed. In August the said amount was mailed to me by Wells Fargo. I was travelling out of the Country that day so I paid the money into my Chase account and left. When I returned, Wells Fargo had re-billed me for the Cash they refunded and asked that I pay a late fee and also pay on my card.
I called the organisation and told the customer care person that I don't want the organisation services anymore. I paid the amount that was refunded to me and the customer service person apologized for the card not been paid properly and took off the late fee. This month October, Wells Fargo sent me a letter asking that I pay on my card and pay a late fee. I'm been bullied to pay on an account that I had asked be closed since July and paid off all dues on. Please help me.
I made a $600 cash deposit in the branch today. When I got home and looked at my receipt, I noticed that they deposited the money into another member's account. Now they are telling me it will take 10 business days for them to research and rectify THEIR mistake. My rent is due in 2 days and they are completely unwilling to work with me. Stay far away from this bank!
I had a car loan thru Wells Fargo Dealer Services which was being handled in the Upstate NY area in 2010-2012. I had an accident with the car and filed a claim with my insurance company. Instead of getting the car fixed straight away, I used the insurance money to put toward my car loan. However, the people in the Wells Fargo Dealer Services office in Upstate NY, told me that I was NOT "allowed" to use that money toward payments, that it would need to go toward the interest on the loan and that I would still be behind in my payments.
I asked them why I couldn't use the over $2000 for payments and they wouldn't give me a legitimate answer. They happily took the money, never gave me a receipt, cut off my online access to my account and charged off the loan. They sent someone to repossess the car. Then a few years later, I contacted Wells Fargo to get an updated statement and told the representative that I spoke with about what happened and asked why the payment that I sent couldn't be used for payments toward the loan and the woman was stumped... she said that I could have applied to toward payments and she wasn't sure why I was told otherwise.
To this day... I have a negative rating in my credit report thanks to the crooks in the Upstate NY office and I don't have the title to the car! This is a perfect example of the deceitfulness of the employees at Wells Fargo and something needs to be done about this! By this point, my car could be paid off and I'd have the title... had I used another bank. Ironically, I got the initial loan from Wachovia, but they were bought by Wells Fargo.
I received a check for services rendered. The check was a Wells Fargo business account. I was 5 minutes from the branch it was drawn from so I drove there to cash it. I hand the check to the teller, he says, "Account with Wells Fargo?" I replied, "No, but this is a business account from this branch." He proceeds to tell me about a fee for cashing checks, and I should open an account to save the fee. This is blatant fee harvesting. Wells Fargo accounts are the worst in U.S., the fees are exorbitant and the service is the worst. Actually, this is what I would call negative interest rate banking. Truly the worst bank to ever exist on this earth. This is why I will never bank with them.
They created duplicate accounts, closed my savings (Wells said due to no activity)--60,000.00 gone, no records of it with unclaimed at state. My TransUnion report shows duplicate loan numbers. Open over 30 accounts (Wells sent letter asking me to sign my name). 5 over ten years lost 250,000.00.
This bank is a complete joke. We opened our account at one of the branches in Wasilla AK about 3 months ago. Their staff is rude and dishonest or undertrained. When we opened our account, we were told we would get a temporary debit card. We had told the woman that we were going to be taking a trip back to where we moved from and asked specifically if this card would work until we got back to activate the permanent card. We had told said woman the dates we were leaving. She informed us that yes, the cards would work and just to activate our permanent cards upon returning to AK. Bull!
I was stuck all the way on the other side of the US without access to any of my money. The closest Wells Fargo bank was over 60 miles away (we opened this account to be able to have access anywhere we are). The temporary cards were actually only good for 30 days and the permanent card did not come before we left. They could not reactivate the temporary card and kept telling me to check my mail for my permanent card. I honestly do not know how many times I had to repeat myself that I was nowhere near AK and could not just simply go check my mail! So instead of driving 60 miles one way, I FINALLY got a manager to agree to send me a new temporary card by mail. They told me it would be overnighted and that I would have to sign for it. Ok great right? Nope!
I sat around all day waiting on UPS to drop off this card that day, and it didn't happen. So I called back. Oh they sent it out regular mail. THANK GOD I was staying with family that would destroy the card when it finally got there which was way after I left to head home mind you. I was back in AK before my card even reached their home. I shake that one off as we NEED a bank that covers the whole US. Amongst other issues, I think I've finally hit my breaking point today. I go to the drive through to drop off a check to be deposited, a normal thing right? All the lines said 'closed'. Very poorly marked I might add as half of the light bulbs were out.
So READING the signs I pulled up to the window. The teller let me sit there for about 5 min while she talked to her coworkers and laughed it up before she started pointing at the other lanes telling me I'd have to go to one of them. I then stated that the signs on all of those lanes had said 'closed' and she decided to ask me if I could read as the sign clearly said on the window that this lane only takes night drops and for atm use. YES, you rude, almighty bank teller. I do know how to read, hence why I am in this lane when all the other lanes clearly say 'CLOSED'! This lane however does not have a sign until you are pulled up to it that states only for night drop or atm users.
Obviously this bank knows their employees are rude and immature. That's more than likely why they do not want face to face interaction in the drive-thru. It's the little details and the way your employees treat customers that give this bank such a bad rating. I will be changing banks. I have put it off plenty of times with thinking of the headache of changing everything AGAIN. But I would rather deal with a temporary headache than a permanent one banking with Wells Fargo.
My mother is 93 years old and I am her Power of Attorney, Trustee in her trust, Healthcare Surrogate (I am a retired anesthetist), and financial advisor/partner. She was scammed last year for over $80,000 while I was away on vacation and not monitoring her accounts as closely as I usually do. When the scam started, the Bank of America teller recognized "unusual activity" and advised my mom that it was probably a scam. The teller alerted the Bank of America Branch Manager, who spoke with my mom, and advised her not to make the withdrawal she wanted. Being obstinate, mom went to Wells Fargo to make the same proposed withdrawal, which was HIGHLY irregular for her, and Wells Fargo said "no problem" (speaking figuratively).
Wells Fargo then continued to allow a 93-yo lady to make multiple 4-& 5-figure withdrawals (totaling around $80,000) over the course of about 2 weeks, when the largest w/d's she had made in years were for monthly utility bills, car and house insurance!!! This triggered me to think about other WF encounters. WF had monthly automatic withdrawals coming out of one of her accts, but could not tell us what they were for, after 2 separate, lengthy visits to the WF branch.
Mom and I set up a safe-deposit box with our joint names, but I was denied access even with my key in hand, Made another trip to bank to fill out access info. Was again denied access on a later visit and had to fill out paperwork a third time. By now, I am hating WF, but my mom is saying "they're nice people..." Then my mom wanted 2 $50K CD's for my adult kids' college educational expenses. The financial guy at the WF bank set them up as PAY ON DEATH, so mom would have to die before they could get money for tuition, books, fees, rent,... Mom said this was not what she had asked for. Maybe the advisor thought we would just knock Granny off when the kids needed school funds!!! POOR SERVICE, frequently curt personal interactions, lack of awareness or concern with senior-age account holders!!!
I had such a bad experience in Davis Branch of Wells Fargo. In fact I opened my account due to one of their best manager and her best customer service who left already. This time when I went to deposit my check, the lady said it will be cash on next Tuesday. I said, "Ok, but what if some other bill come and I don't have money in my account and that bill come after this check of deposit time?" The teller said, "In that case, I will make a note '1st come, 1st serve' means your deposited check came 1st and bill 2nd so checks and bills treated in that sequence and other bill will not be cashed till the availability of the funds that our standard time of cash availability".
The check I deposited is my salary that I deposit every month since last many years and come from US Bank to them and both the banks are next to each other. The teller said I just need to confirm from manager and her name was Megan ** and other was Richelle ** (personal banker). Wow, when these ladies came she was like a monster and I felt she is intentionally appointed here to destroy the reputation of the Wells Fargo bank. She was rude, impolite, just talking and talking without listening. In fact she tried to even start blaming me why is my account in negative this month. I said, "Does it matter? I gave you 175 dollars even I bought 1 dollar item and you charged 35 dollars on each transaction". She said, "Yes, it matters" and other bla bla and nonsense from her. I was surprised to see a that personal banker in that tone.
She said, "Teller has no right to give those info to you and has no authority and we cannot promise your money since US Bank delays that transfer". I said,"Wow, you cannot say that about US Bank without having any proves and I do have proves of last 5 years that not even a single day of delay was recorded in the history of these transfers by US Bank to Wells Fargo Bank. You need to be careful when you are talking about other banks without any proves???" It was another hit to me about the background, training, education and professionalism of Megan **. Then I realize it's just a wastage of time and who knows from which city this girl is imported to this educated town.
I have just told her at the end, people come and go but the banks stays and you are ruining the reputation of the bank in this town and it's a very small university town where everyone knows everyone. But she was even mad why even teller gave you this idea. Before she should have turned to teller I said she didn't say and it was my idea. I didn't want teller's job to go in a mess and ruin due to this crazy lady. Then I have decided no more account here. I moved already. More than 20K's in other bank and now I am going to close this account just because of this lady.
Now I realize it's not only me but all over the nation Wells Fargo have bad, bad reputation. I think they deserve this and it's right who sued them and it will be more due to these kind of attitudes and lies. Conclusion is I moved to this bank because of customer service and professionalism and the same reason of unprofessionalism, impolite, rude, full of argument, and disrespectful employee Megan ** helped me to move out of this bank and I close my account. Thanks Megan. Sooner the better and right decision. I shared my experience with all the educated people on this educated town and everyone was surprised and supported me with my decision. Good for Megan ** but bad for Wells Fargo!!!
When I had my gas line installed at my house I was offered to finance the project thru Wells Fargo Home Projects program. I was told I could use that line of credit for any project I wanted to get done at my house. I got interested so I asked for more information. I was contacted by a Wells Fargo representative that same day and I was informed that I could use the card anywhere I wanted to do an upgrade or a remodel (bathroom, kitchen, whatever).
Earlier this year we decided to remodel our master bathroom and we wanted to do it ourselves, so we started buying what we needed. Right when we were paying for our new door the credit card declines and I hadn't even use 15% of the total amount of credit. I was of course confused and upset so I called the customer service number. I spoke with a lady that told me that the purchases that I had made did not qualify for the home projects program because I did not make them at "approved merchants". NEVER ONCE anybody told me I could only use the card at specific stores or service providers. In fact when they presented the card to me the Wells Fargo rep told me I could use it ANYWHERE I wanted. Of course the customer service lady did not care about that and only apologize for the inconvenience.
I asked to talk to a supervisor and I was transferred to Michael. He only repeated what the first person said before he even let me speak. I told him that I felt mistreated and never once was informed about the "right" way to use the card to what he only apologize. I told him I was considering cancelling the card and he offered to do it right then and there. This bank does not care about their customers, gives false advertisement to sell you what they want and then show you the truth when you can't do anything about it. Their "Supervisors" are useless. They can't do anything to make things better or compensate the customer. Worst bank and customer service I've ever experienced!
I had a small business account in Wells Fargo Bank. One day they changed their terms for minimum balance from $250.00 to $500.00 without even notifying me about it. Then Wells Fargo Bank charged me $10.00 fee for not having $500.00 on my account. After I found out about it I closed my account and lost $10.00. Just imagine having millions of accounts and (stealing) charging extra $10.00 how much money they got!!! Unbelievable!!! Stay away from those stealers!!! Go to any credit union bank!
To Wells Fargo Bank, this is a letter of complaint to your mortgage company. We recently received a loan from you and we have to say that it was the worst experience that we have ever gone through. So many things went wrong. To start out with, we got preapproved in late June and asked if it would be possible to close by end of August as our lease was up with our apartment. We were told we should have no problem. We originally set our closing to August 22nd. Besides the biggest problem we had, which will be explained later on, we found ourselves resending the same documents over and over again to several different people. We were supposed to be locked in at an interest rate of 4.0%, by the time all was said and done, it ended up being 4.25% and no one ever told that it went up or explained why.
The appraisal was clearly understated and could not get another one. All comps in that area were 20 to 35k over our appraisal. We were told we have to come up with the difference of sale vs appraisal, then when we did, they told us that they only borrow 95% of the appraisal value. This turned out to be a huge sum of money.Now, as I said August 22nd was supposed to be our closing. The bank asked for an extension because they could not get everything processed in time. So it got changed to the 30th. At this point we would have 7 days until we were homeless. So it got to the underwriter and he asked about our repair addendum. Everything on it was fixed (new roof, new electrical, plumbing repairs) except for one thing. The windows in the spare bedrooms were missing the cranks. We had agreed with the sellers that we would repair them ourselves. It is an easy low cost fix. Roughly $5 a crank. And $13 for the whole crank system if needed.
The underwriter said they have to be fixed before he will release the loan. Us as buyers felt this was ridiculous since we did not own it yet and did not want to put the money in it until we had possession.
On top of that, this was not an egress issue. There are 4 exits in this house. We also said we would sign something stating that we would fix it within a week of possession. Underwriter said no. So, it came down to the sellers to fix them. By this time, we now needed another extension because they wanted to send their inspector over to make sure it was done even though we sent an invoice and pictures showing it was. So they took it to September 6th. The day we need to be out of our apartment. So we rented the truck to move and filled it up in hopes we would close that day. Then we would empty it and go back for the remainder of our stuff and be good. Right?? NO.
On Tuesday morning the bank told us they received the inspector report and that the window in the master bedroom was missing its crank. Now this bedroom has a sliding glass door. No egress issue but the underwriter refused to push the loan through until it was fixed. The sellers refused to fix any more stuff. So the agent agreed to let us go in and repair it. It was a $3.87 crank and took less than 30 seconds to repair. So all should be good. Right? No, now the underwriter wanted to send the inspector over again. So this will delay it another day. We had no choice but to rent another truck so we could get the remainder of our stuff out of the apartment and go stay in a hotel. Wednesday rolls around and we were trying to get info on what is going on. No one would take our calls. Got voicemail every time. Finally at 2 pm, we got a reply from the bank stating we are good to go.
Then all of a sudden, the bank spit out another closing disclosure. Now we were told we have to wait 3 more days by law before we can close. So now it takes us into Monday. The bank was well aware of our situation on being homeless. Now we have to keep the rental trucks extra days, stay in a hotel extra days and pay to eat out. Not to mention that we lost 2 days of wages having to take the time off because of the bank plus another day for the actual closing. This $3.87 crank costed us: 32 hrs of work= $480.00, Additional day for closing= $240.00, Hotel- 6 days $70.00= $420.00, 1st truck 6 additional days @ $30.00 plus mileage @ .87= $193.92, 2nd truck 6 days @ $30.00 plus mileage @ .79= $201.33, Food expense= $125.00, Total for a $3.87 crank= $1660.25.
I have been banking with Wells Fargo for over 10 years and I have to say that this was the most unprofessional and messiest thing I have ever seen. The fact that they would delay our loan over such a minimal thing and put us homeless left a very bad taste in my mouth. I am very disappointed in the way it was handled. No one ever offered to help us or give some sort of good faith discount because of what they put us through. This crank costed us almost 2 weeks of wages. Very upset.
I went and opened an account with this bank. Like any Mother going back to work you need to start somewhere. I was told by my family to bank with Wells Fargo. Great mistake they state it is a bank that cares and values each and every customer. I heard great things in their personal online site. I also trusted family so much I didn't bother to look anywhere else. The first mistake I did took me to a 100+ fee and they tried to state they can meet me halfway when it was half their mistake as well. I took 1 hour in the phone speaking with unprofessional customer service representatives. One stated he was a supervisor. Nothing was taken care of and my problem has no solution this bank is horrible.
If anyone is looking to start banking please do not bank with Wells Fargo. Also, I personally had an experience with a banker trying to input incorrect deposit into account was it done as a mistake or knowingly I will never know please do your research and don't get stuck in this position where you not only are getting your money stolen but your time as well.
This bank is a fraudulent and crooked institution. It almost seems as if this month they have attempted to cover the costs of their recent fiasco. I cannot keep calling to correct large, unauthorized, unexplained automatic payments (which I have called multiple times about) that leave me in the negatives. They have the audacity to still charge me an overdraft fee every time for their mistake. If you make a mistake, I guarantee Wells Fargo's punishment will be swift. If Wells Fargo makes a mistake with your account, you will pay for it.
I am a working student. I cannot afford Wells Fargo's dishonesty disguised as incompetence. This is my last week with this bank. I would leave immediately if not for the fact that I need to wait to receive my own unauthorized payment back (for the second time). Wells Fargo's lack of responsiveness has also cost me a number of times in the past. I never had this experience with my other bank, which I will be returning to soon. Fair warning to all considering banking with Wells Fargo.
Wells Fargo has been a terrific bank for me thus far. I have a checking and credit card account with them. They provide me with my free FICO score monthly. I have never had ANY issues with this bank, so I find it hard to believe 90% of these reviews honestly. Instead of griping and hiding behind a computer, why not go in person to get results. Being polite and courteous may be a start for some of you reviewers.
I am a 92-year-old widow and have a sizable (Insurance) amount of money in the Bank of Wells Fargo. l make less money in interest than my handicapped son had to pay in fees and fines on a credit card he was Coaxed to Activate! My brain-damaged sonnets a little over $400 a month in SSI - Payments and those Charlatans at Wells Fargo REALLY socked it to him. I feel like picketing the local branches to call attention to what this bank does to the most Vulnerable members of our Society. HOW GREEDY CAN THEY GET??? Agreeing with Senator Elizabeth Warren.
I made a complaint of a fraudulent charge on my credit/debit card (I should also mention I never wanted the card and it was sent to me after I told them I did not want it). I went into my account to see if it had been removed and it had not. I opened up the dispute file and it showed that it was under investigation because I "did not remember transaction." I DID NOT REMEMBER THE TRANSACTION BECAUSE IT WAS NOT MINE!!!
My name is Rona **. My son had a credit card with Wells Fargo and about $6000 in debt. He lost his job, his wife filed for a divorce and my son was unable to make the payments on his card in time. In 4 months, the debt has grown to about $8000! Late fees + increased interest rate. In order to stop the debt from growing like a snowball, I am trying to help him out, but my help to pay his payments was denied by the bank, telling me that only my son can pay the debt, not me. Whenever my son called the bank the interrogation is going for hours with no result. Why if I am willing to help my son to pay his debts I was denied??? Why mother cannot help the son???
I went to a Wells Fargo in East Wenatchee Washington 5 years ago wanting to open a retirement account. The branch manager at the time helped me. He was young and cocky. I told him I wanted an account that I could transfer money in to on a regular basis and I had $250 to start with. We spoke for a while as he said he search through different options and said he found one that would work and give me a better interest rate. I deposited the money, signed all the paperwork and left. I showed up a week later and had more money to deposit and I was told I couldn't. I spoke with another young guy there that was really nice but said his hands were tied.
The type of account opened was a CD and not an IRA or savings account like I asked for. I asked for the branch manager and he was not available for some reason. I asked for them to fix it and change the account type. Close this one and open a new one. They said they couldn't because it was a CD. They refused to help at all at that point. I called Wells Fargo multiple times telling them about the mistake and all refused to help. This was less than 2 weeks after the account was open. So I ended up waiting 5 years to get the money out. The account matured this week. In that 5 years I made a total of $11.62 in interest. I went in and closed the account and transferred into my savings.
The branch manager now tells me that I will be penalized for taking the money out because of my age. I will be taxed 10% by the IRS on the now $261.62 which means I will end up with less the the original $250 that I put in and taxed twice because that money came out of my paycheck and was already taxed in the first place. This would have never happened if they would have opened the right account in the first place. Thanks Wells Fargo! When your employees screw up you should fix it. Especially since it was found out so early. I still have an account with them but only because I travel a lot and live in a very small town that doesn't have a whole lot of options.
I went into the Bakersfield California Ave branch being that my checks I bought from their branch for $1.00 a piece (I'm waiting for my mail order checks to arrive) could not be read by many machines and declined. I asked for replacements and gave them the bad ones. Manager, Crystal ** happened to be helping the clerk with the transaction and told her to recharge me. She said it was not their fault. The checks were bad. Finally she gave me the replacements and laughed as I went out the door. I could not believe my eyes. How could you treat a customer that way? Not only was she rude the greeter was smirking as I went out the door as well. Also, I did not create any type of scene that would have them acting in such a way. I'm ready to find another bank.
I have been with them when they where Wachovia. It's been almost 30 years. But customer service is terrible!! Plus I have many accounts with them!!! But It seems that my account totals incorrect and wrong! It may be linked to the recent problems with that happened with the Wells Fargo LLC.
In 2008, I opened a basic checking account at Wells Fargo. As a newly single mother I simply needed a bank account in my own name. There were no fees or charges attached to this account. I never used it, not once. Fast forward five years when I'm trying to buy a house and my credit report shows over $900 in fees from Wells Fargo. I disputed this numerous times yet Wells Fargo insisted I opened an account with direct deposit, even though I wasn't working at the time, meaning they signed me up for an additional account with fees. Again fast forward to 2012 when my husband tried to add me to his checking account at Chase.
They turned me down, essentially refusing me access to my own money because of the debt I owed Wells Fargo. It is now 2016. I still am unable to get a checking account and have to sign my checks over to my husband. I was never contacted regarding the class action lawsuit for this very matter. I'm furious. I'm a 35 year old working woman and I can't get a damn checking account, and have a huge blemish on my credit report, now showing nearly $2000 in fees. Fees for what?! I never used the basic checking, nor did I sign up for anything else. I'm furious. They are crooks and shouldn't be in business.
I joined Peoples Bank as a child with my first account. They were bought by Norwest and then Wells Fargo. After 30 yrs of business I was forced to close my account because unauthorized charges began appearing for different amounts every month. Because of the different amounts they could not stop the withdrawals. I had to close an account with 30 yrs of benefits. I was a college student and hundreds of dollars were stolen and the bank managers could do nothing but offer to close my account. So I did, and left the bank to open an account elsewhere. I have never had another problem with my account!
An individual posted a fraudulent rental ad on Craigslist that I inquired about. I signed a lease with that person and he asked me to deposit money into his Wells Fargo account. Regrettably, I proceeded to do so and deposited a large sum of money into the account. Nonetheless, this person had a Wells Fargo account under his fake name (Ivan **), with a real account number. Because I made a cash deposit into the account, Wells Fargo told me they had no recourse and to go to the police. The police couldn't help because the money was transferred to an overseas account that they could not pursue due to jurisdiction limitations.
Still, Wells Fargo took no recourse or action in terms of freezing the assets on the account in order to protect my money. They also did not put any alerts on the account because I was a consumer and not a law enforcement authority. Furious, I went back and forth between the police and Wells Fargo, and nobody could help me recover the money. I wanted to post this review to call attention to the fact that people are able to open fraudulent/criminal accounts with Wells Fargo, and Wells Fargo refuses to take action when alerted of such frauds.
Had 2 different bank loan officers at Wells Fargo. 1st one made sexual comments and I changed to a 2nd loan officer who obviously did not know what he was doing. One example, was that he documented that the owner was contributing over $4,000 to closing costs. When I asked him to confirm it because I was unfamiliar with the paperwork and it wasn't on the escrow paperwork, he ignored me. Found out from the escrow company, he had contacted them and they told him it was his mistake. Of course, he never got back to me about it. Wrote to: BoardCommunicationwellsfargo.com and was told that Marissa ** was assigned to research my concerns. But then I received an email from a person at the Board of Directors with ONLY HIS FIRST NAME listed, NO last name, NO title and NO phone# asking me a question about it. I thought it was very unprofessional and asked ** who it was.
After many extensions for ** research that led into months, her response completely left OUT anything at all on the sexual comments, although I sent emails from the loan officer who made them as proof. The person w/o the last name/title/phone# listed who emailed me from the Board of Directors at Wells Fargo was NOT addressed by **. So why did she state that she had to extend her research another month for it and then NOT even address it? The incompetent (in my opinion) loan officer's errors were considered "confusion", and "some information not completely accurate". If you've watched the news lately, Wells Fargo is being investigated for opening up 1.5 million deposit accounts and 565,000 credit cards w/o customer knowledge. Beware of Wells Fargo. They seem to care more for profits than the customers.
Used to be customer for over 10 years & wanted to share my experience with Wells Fargo to prevent customer deception. Systematically the bank took out money from my account for ~3 years. Deceived to open extra accounts for my son college saving & the money was almost depleted. My attempt/effort to get respond from mgmt failed. Consumers be aware. The greeting I got at the door was to lure me into hidden cost.
This is the worst bank. They charge you for everything. They don't deserve a star. I will just close my account with them. I regret opening this account and I will not advise anyone to use this bank. Don't even try banking with them. I just pray Wells Fargo closes down because of their fraudulent activities.
I made a pension system check deposit on 9/6/16 and my receipt confirmed the deposit was accepted on that date. I submitted 2 bill payments payable on 9/8/16 via internet. Those payments were submitted to Wells Fargo on 9/8/16 and payment on them was declined. I went into a WF branch to find out why and was told that a hold had been placed on the check that I deposited and that WF needed to "verify the funds" before the deposit I made would be available. The banker that handled my issue made several calls and ultimately told me they would attempt to verify the funds so that the deposit could be released. I went home and checked my account about and hour later and the deposit had been released, making the funds available. The next day I checked my account and found that in addition to the 2 payments having been declined, I was charged a $35 overdraft fee for each of the 2 returned payments.
Needless to say I am appalled by this action especially considering that every debit that I make is deducted immediately from my account. Why can't this same electronic miracle occur with deposits from widely recognized pension systems as well? By the way, I have deposited 4 other checks from this same institution into my WF account within the past 2 years.
I took them to court small claims when people said you can never beat them and very good employees were fired for no reason and charging me and closing my accounts. Still charging me. I like my money back or lawyer to talk to that wants to try again and they tried to charge me for all my paperwork that I could longer get which would been over $1000 then after they found out about court they sent the papers for free. This bank should be closed and more fines. Please get me contact with some lawyer now that in trouble.
I just had the most degrading experience with a customer service representative. The representative found it comical during the process of trying to "verify who I was" (which happens every time I call by the way), that I couldn't remember the last four digits of old telephone numbers since I have had my current phone number for the last 13 years. Although I was repeatedly requesting to speak to a manager about his belittling tone and behavior, he repeatedly kept coming back on the line to patronize me in the process. The more that I said that I no longer wanted to deal with him, the more he began to laugh. Unfortunately, I had no choice but to deal with him because I was trying to pay the bill. When I finally did get a manager, he transferred me to a department which could not handle my account, and I had to start the process all over again. As soon as I pay my credit card, I will never deal with Wells Fargo again.
I change bank accounts about a year ago. They opened a new account. I left my credit cards into the old account. They left all my payments in that old account. I didn't transfer them to the new account. They were charging me 20 to $40 a month for overdraft fees. This went on for about six months before I caught it. I want to talk to him. This is all "yeah it's all corrected." Went on for another 4 months. I went in again. I said it was all fixed. I got pissed and went in again. I finally got corrected.
I lost about $1,200 to the Wells Fargo's manager in the bank for screwing up my account on overdraft fees which I had plenty of money to cover everything. I talked to him about it the guard me. They never got back to me or just a bunch of ** so now they found out they'd been frightened people. I want my money back too so I'm going after him. Now I want my interest too. You have a nice day. I wouldn't Bank on this bank ever again. No worries. I'm there as for a house payment.
I had called first to make sure Wells Fargo was honoring the $100 back coupon for new checking customers (good until 9-2-2016) on their website. Misty ** assured me "yes", they were accepting that coupon until 9-2-2016 and just to bring in the coupon when I set up my account. I did and stated I did not have any desire to open an account unless she honored my coupon. She said that the coupon had already been entered and started running all of my paperwork, ID card, Driver's Licence, SS Card, etc... Then she said she opened a credit card in my name as well. After about an hour of this sham, she stated that my coupon was not honored at that bank... WHAT??! After she now had ALL OF MY VERY PERSONAL INFORMATION!!? What a SHAM! Wells Fargo is a VERY SHADY COMPANY. Do not waste your time here.
Twice when I was dealing with WF I had over $7500.00 stolen from my account. I believe that it was someone who was working there. What they did to me was use a forged check, that would have that check number coming up soon, take a picture of it and withdrawal the cash. Some of the checks didn't even have a signature or who it was made out to. The one time I had a freeze put on my account for over 6 months. I removed it to write 3 checks to close the account. Two of my checks went through, once again I was hacked and they used fake checks, close to the same number that I was on, took a picture of it and withdrew a total of over $4800.00. Nobody but someone inside the bank would know what check number was coming up. The bank agreed with me at the store, but I'm sure that the fraud department wouldn't. I'm just so glad I got my $ out of there. It couldn't happen soon enough.
I opened my account with Wells Fargo in May of this year 2016. I took a large amount of money home with me for repairs and such on my house. The teller had the nerve to ask me if I was sending the money to Nigeria. I told her no I wasn't. Two days later Social Services and the police came to my door and wanted to know who I was sending money to in Nigeria. I told them no one. The social worker and the police officer insisted that I block one of my friends on facebook and the phone. They stayed until I did it in front of them.
Everything seemed to be going okay until this week when the bank called social services again because I was taking large sums of money out of the account. These were for repairs and I noted that on the memo line on the check. The Social Services called me and questioned me as to why I am taking such large amounts of money out of my account. Was I sending it to Nigeria? I explained to them it was for repairs. Then I had to tell her every repair I had done. But I don't think it is over yet. I called the branch and they said they didn't do it but somebody did. I took out as much as I could without jeopardizing bills that are paid. I am looking for another bank right now. I always thought Wells Fargo was a great bank, but I found out the hard way. They stink.
Customer service is terrible. Mailing your payments 5 days early is not enough. The mail room must not log them timely and then they charge you 37.00. Call to have corrected and they report they already did that in May. The answer is yes you did because you DO NOT enter data timely. I will never bank with Wells Fargo again.
Go to Webster Bank. Awesome customer service and never have I had a problem with any payments sent to them in the same time frame as Wells Fargo. I should have known better. Years ago I got my pay off value on my car payment and paid in full. I received the title in the mail and then 1 year later a bill from Wells Fargo for over $300??? Why would I pay you if you already mailed the title? Get it together.
Wells Fargo has the worst customer service ever. There have been several issues that have arose and they never seem to be able to solve the problem. Only make it worse. I used their bill-pay system to pay my loan account with them and they applied the payment to my credit card ($525). I called and tried to get them to fix it and they couldn't. I had to submit an additional payment for $525 to my loan account within the same WEEK! I called several times and after repeating the situation about 10 times, they waived over $100 in late fees. I could go ON and ON about Wells Fargo and the trouble they have caused me and my family. Please look at other banks before considering doing business with them. I would hate for you to go through what I went through.
I attempted to refinance with WF after being with the bank for quite some time. I went through the long application process. To cut this short, they denied the refinance when the underwriter reviewed my app. During the review with the underwriter, WF instructed I need to get the appraisal done. I had an appraisal done and paid this advance. I am now working with another lender and they will NOT order an appraisal UNTIL it's seen by the underwriter and pre-qualified. This is the process Wells Fargo SHOULD HAVE done before they instructed me to proceed with the appraisal.
Note: They scrutinize everything and also questioned my co-signing on my son's car loan. WF insinuated that I was making the car loan payments even after I showed documentation that my son was making his own car payments. Even though I am approved at another lender, this process with WF is very negative and will advise anyone not to refi through them.
I have been a Wells Fargo Bank customer in Florida for two years. While depositing a check at my local branch drive through, the teller informed me that my account came up as having an approved credit card notification. I politely responded that I unfortunately had poor credit and believed an error had been made. She cheerfully replied that the card had already been approved and no further inquiry was necessary.
Upon entering the bank, I was kindly greeted at the door by a gentleman who escorted me to his cubicle. Once again I explained my present credit situation and that I was not interested in a secured or high annual fee or interest rate card. I continued that if any further delving into my credit history was required, there was no point in continuing. As we sat down, he assured me saying I already had the card and the notification would not have appeared along with my account number if anything further was required. He directed my attention to his computer screen that had my name. Sure enough, this was a proper Visa card with no annual fee and standard credit card interest rates and terms.
I was asked and answered several basic questions that were read and filled in on his computer screen. I'm sure you've had your fill of my repetitiveness, but yet again I was verbally assured the card had already been fully approved; that he understood my credit would not survive a standard credit card check. This was a completely done deal. I electronically signed their pad. We shook hands and was told I would receive my card in about two to three days.
After waiting five days, I directly called the same employee. He remembered me and looked up my account information. He began his answer with "I have bad news, your card has been declined." He continued saying my bank account was fine, all the paperwork was fine, so it must have been a poor credit report. Seriously? There was to be no further inquiry. What else is required to receive a credit card other than a good credit report? If not for all his assurances, I would not have begun the entire process. He offered no further explanation or apology. Actually, his response was silence interspersed with childlike groans and a goodbye. I offered the goodbye.
This was not a situation wherein an online/anonymous offer was made and I actively continued crossing my fingers hoping for a miracle. At least I know better than that. As an established customer, at my local bank, I expect more than that. Now, in looking through a pile of unsigned paperwork handed to me as I was leaving, indeed in small print, the word application does exist.
However, two Wells Fargo employees affirmatively stated the credit card was "pre-approved" and a firm offer. As a result of false statements, I was needlessly inconvenienced. I was intentionally misled and never would have wasted my time and effort in a pointless endeavor. The result of which did nothing but cause more damage to my already damaged credit report. Their antics have put me in a sorrier situation than before my mere attempt to deposit a check into my account. Clearly, this is a Wells Fargo practice. It is doubtful I am alone. Perhaps some of their other practices need further scrutiny.
I went to the bank on lunch to deposit a check to then continue to the grocery store. The teller said that part of it would be available now and the rest on Thursday. Ok, no problem - I thought. I was wrong. I went to the grocery store and my card got denied!!! And I have to figure out how to get my car out of the parking garage with no ** money... I called and they said that I don't get anything until tomorrow morning. And pretty much "oops on the teller and it's your fault that you didn't know to look on the receipt for a date. Oh and too bad because there is no way for you to retrieve your own money". What is the point of putting money in the bank if I can't use it?! It's not a savings account that gathers interest while it sits there so how is it ok that my money can sit there?!
I have never been so frustrated with a bank. This is not the first time either. When I initially opened the account about a month ago, they kept my check for over a week because it was a new account and gave me no warning. I literally hate this bank. I am from NY and have had Chase for years and they NEVER did ** like this to their customers. Wish Chase was here.
Within the last two weeks I have been charged close to $600.00 in overdraft fees. Wells Fargo has set up a "predatory" system. Using their "DEVIANT" minds to defraud their customers. Especially the working poor and many customers hit hard by the economy. Last year Wells Fargo bank made over "30 billion" in just charging overdraft fees! This is a list of their predatory practices against their customers.
Charging exuberant fees (35.00) for now - for overdraft fees. Even if your account is negative by $1.00. This fee system must be stopped. A % is a fair system. Setting their banking system against you by: If you used your debit card on a Sunday night and deposited money on Monday morning to cover transactions, it doesn't matter! Even though Wells Fargo was closed on Sunday night and the transaction comes in on Monday morning, they will still charge you a $35.00 overdraft fee. Wells Fargo processes all checks early in the morning (they do this on purpose). So if you do not have money in your account to cover the checks, they will charge you a overdraft fee. Even if later in the day you deposit funds to cover the checks.
One of Wells Fargo's most "deviant" actions is their fraudulent practice of "checks" being processed through your account in orders from higher to lower amounts. Example: you have $200.00 in your account. Two checks come in. One is for 202.00, and the other is for $75.00. Wells Fargo will process the higher check first. Giving you a negative of -2.00. They will than process the second check of $75.00. Thus: you are charged "2" overdraft fees of 35.00. If they had processed the 75.00 fee first you would have only been charged one overdraft fee. Recently in California Wells Fargo bank was take to court for this "exact" fraud. The judge ruled against Wells Fargo. And demanded they refund their customers. To this date Wells Fargo is fighting this spending millions on lawyers to protect "their fraud".
Wells Fargo practices what I call "stacking" which should be illegal. When you are charged any overdraft fees of $35.00 Wells Fargo adds the negative into your account. Which creates a horrific "snowball" effect. Which many hard working customers (who have been hit hard by the economy) or the working poor cannot recover. Thus their account is closed. In turn these customers are reported to credit agencies run by many predatory banks. Many times their credit ruined and they cannot even open up another bank account. Wells Fargo charges many hidden fees. Such as $2.50 just because you used your debit card to remove money from another bank. So you get hit with "2" fees.
Wake up America! Almost on every corner in even the smallest of towns - you see new "lavish" banks being built - many times in middle - lower income neighborhoods. Many of these banks are like a "pack of wolves" devouring and preying on the weak and poor. While on every other corner you see Mom & Pop stores shutting down. More than the great depression. It does not take a great mathematician to see what is happening in America. I live in the great state of Pennsylvania where the revolutionary war was fought, and the great "declaration of independence" was signed.
They have taken my whole check and put it in other person account and made me homeless so please do not apply for this company. I tried to get the last of my money out of my account and they told me I couldn't because a hold was on my account because I was negative in my savings. So at this point if you want money taken out of your account then go with them. They steal money. And will charge you 35$ for going a dollar in the negative.
I'm on disability and I have direct deposit. I cancel my direct deposit because Wells Fargo charged me overdraft fees when they shouldn't have. After one it made my account insufficient, which made other payments coming in cause more overdraft. I will never use Wells Fargo again because they prey on poor people. Rich people never have to worry about things like that. It's a shame because I've been a customer since 2003. Now I'm in the red. Thanks for nothing Wells Fargo.
Had my client wanting to wire funds to my account for a business transaction. Wells Fargo teller said funds will be wired and received within two hours. Nothing came the first day... My bank told me Wells Fargo wasn't a very reliable bank. Next day I had client call Wells Fargo manager, to check on the wire funds. Manager told my client that he had signed off on the wire that morning, and that the funds never were wired the day before and that the teller had informed us of the wrong information. No funds arrived again!! It's now three days and still nothing. Wells Fargo sucks at everything they do, big banks are a joke!! If this had been a major business transaction (thank goodness it wasn't) this could have been a deal breaker. I'll never bank at Wells Fargo ever, and I'll go out of my way to discourage people not to bank at Wells gone dry Fargo!!
I've been a customer of Wells Fargo for more than a decade. Today was the final straw, as I am closing all my accounts and choosing another bank whom I can trust with my money. On Friday, Aug. 2016, I authorized payment for two bills to be debited directly from my checking account. Before making any payments, I reviewed both merchants payment processes; in addition, both merchants sent emails confirming payments and payment had payments were received on Friday, Aug. 19, 2016. On that selfsame day, after which these payments had been made, I visited a branch and made a successful withdrawal. Today, Aug. 25, 2016, after carefully reviewing my online account, I discovered it was in the negative. The results were such, the merchants whom I thought had been paid on Friday weren't paid until Monday, Aug. 22, 2016.
Before calling the bank, I called the merchants to confirm when payments were made and both confirmed payments were debited from my account on Friday, not Monday. I immediately called Wells Fargo customer service and spoke with a customer service representative who confirmed the merchants had indeed debited payments from my checking account (electronic check). However, both merchants requested authorization for payment on that day but weren't paid until Monday, which doesn't make sense because both merchants' payment processing are as such, if payment is made between the hours of 8 a.m. - 5 p.m., Monday-Friday payments are processed the same day. Both payments were made between the hours of 8 a.m. & 2 p.m. confirming these transactions were processed and paid during the hours and days of operation.
After requesting credits, I was denied because of prior "courtesy credits" that were result of unauthorized payments. I disputed and filed a claim against the bank; which could take up to 10 business days. As one review I've read and concur, customer service sucks. The supervisor whose name I won't disclose was unprofessional, made condescending remarks, and talked all over top of me during the process. Justifying is not a resolution to any problem and hope Wells Fargo will do what's right by refunding my money for something they're clearly responsible for.
I initially was with Wachovia. Later on Wells Fargo took over this branch. Now you can imagine how long I been banking with this bank. So on 08/23/16 late night I deposit a check. On 8/24/16 I notice it was not reflecting on my account balance so I called check what was happening, this one was a 1st for me. (1st) customer service rep. I spoke to tell me there's no funds on the other person's account to contact the person and call them back once that person resolve the funding issue. So an hour later I called back and got a different rep.
(2nd rep) RAN. After explaining what I was previously told he said "NO we can't do that". Since I was not getting any information from him I suggested a couple of more options. All I got was NO NO NO. Hello I don't work there. Guide me to the steps to take but NO was all I got. Frustrated with the lack of effort and information not given to me I ask for a supervisor.
(3rd rep.) VANESSA ** supervisor. The woman was worst than RAN. All I heard was sorry for the inconvenience. You are my branch, I am trusting you with my money. I'm sure there something you can do especially guide me, train your staff better. It make no sense. I get 2 different statements for the exact same situation. Show some sympathy, be the professional that you supposed to be. The person at the other line don't need to know how miserable you are with the work you do. SMH.
I have never been so dissatisfied with inhuman customer service as I have with Wells Fargo. If you are looking for honesty, no hidden charges, genuine customer service and not robots repeating policy that they fail to explain upon you starting an account with them, then you are better off taking your money elsewhere. I have been with the bank for years until I began obtaining hidden fees subtracting my own funds from my account that have never been present in the years that I have spent with this bank, and that remain misunderstood without honest justification. Do NOT bank at Wells Fargo. I also read how they are being heavily fined for illegal late fees to student loan accounts. Once I smoothly transition to another bank, I will politely and happily close my Wells Fargo account down. When I think about my experience over the years, I recall multiple mishaps that are wrong to us consumers.
That includes my savings account switching to a checking account without my knowledge or authorization because I "transfer often" between my checking and savings. Once I was told overdraft fees are charged when Wells Fargo pays the transaction. Understood that! But then "insufficient funds" came up later meaning they charge you when you don't have the $ and when they won't cover the transaction! AND now a new one! They took funds out of one account to compensate another account without my accounts being linked called "offsetting" which I NEVER agreed to! Completely ridiculous and when some fees were reversed due to a bank error, I was told later it was bank courtesy that they can't keep doing. I want the bank to accept their mistakes and make good instead of wrongfully justifying all their hidden robbery charges! Never will I bank here again. Ever.
Wells Fargo has been my bank for years. I was getting direct deposit up until they took a "legal" fee without notifying me which resulted in having a negative account balance. I stopped my direct deposit because Wells Fargo took my money without my consent and didn't feel safe knowing Wells Fargo could remove money at any point without my consent. When I went to deposit they put a hold on my account for 3 weeks, saying I had been overdrawn recently (which was their fault). They could not provide me with a paper documentation to explain the legality of this and they could not give me an answer. When I asked who regulates them she didn't know. Customer service sucks. General practices sucks and I cannot wait until they release my funds so I can switch to a better bank.
I requested a copy of a check that I deposited in the bank. I am a 7 yr account holder. They kept giving me excuses why they could not give me a copy of the check. Lazy and only do what is required.
I've been a WELLS FARGO customer for almost 30 years and I am planning on changing banks. One month ago I requested CHECKS for my CHECKING and SAVINGS account. The girl on the telephone told me it would take two weeks and there is no charge. I received my Check for my CHECKING but not my SAVINGS.... I just figured there they would arrive eventually. After two more weeks I still did not receive my SAVINGS ACCOUNT checks. I called WELLS FARGO... finally getting someone to speak to after one half hour.
I explained the situation to the guy I was speaking to. He said he would confirm my address and check out why I received my CHECKING checks but not my SAVINGS checks. For some reason he started telling me that I was not going to receive my SAVINGS checks but just DEPOSIT SLIPS. I told him I had plenty and still wanted my SAVINGS ACCOUNT SLIPS! He didn't give me any explanation why I was not going to receive them but I just was not! I told him I was NOT HAPPY and wanted my CHECKS! He said I was not going to receive them.
I explained to him that I need to write checks from my SAVINGS sometime and he told me to just write checks from my CHECKING or transfer money out of my SAVINGS to my CHECKING... GRRR! WHY CAN I GET TO HAVE MY SAVINGS ACCOUNT CHECKS???!! and be DENIED?!! I have had enough of WELLS FARGO and plan on changing banks! ...also... the WELLS FARGO branch I go to DEPOSIT my checks into my account also needs improvement... When there are about four to six cars (customers) waiting there is only one teller... so that means I wait for about 10 to 15 minutes before I get waited on. I do not dare go on my lunch hour!
Stay away from this bank. They have no security. They added my accounts online to other peoples login. My accounts could have been transferred into their accounts and left me with no money. The bank does not care and turn around and blame the customer saying that we set up the accounts on that persons Login. The customer can not set a login on their own. The online department has to create the login with a temporary password and the profile set up under the customers social number with only accounts that they are a signer on and has their social number like other banks do.
Anyone that has accounts with this bank even credit cards close all out or else you will have your money stolen and Wells Fargo will deny doing anything wrong. I hope they go bankrupt. Also Megan the branch manager at the Thorndale, Pa branch is a terrible person to deal with and refuses to accept responsibility. I know of other people this bank has done the same thing to with adding their accounts to other peoples login. STAY AWAY FROM WELLS FARGO!
Just to make this short and sweet, I only opened an account with Wells Fargo bank in Mason City Iowa, why I had a settlement check I needed to have access to some money. So close to Christmas, I bank with two very well known and competent banks. Due to no local office I was not able to deposit and get access before Christmas. Due to a few days before Christmas my credit union was closed. The amount was $30,000.00. The only place I could find that would promise to give me access to money if I opened an account. I had to have my divorce decree before I could open. During all this I kept asking now I will be able to use this money before Christmas by depositing money. I needed to have money available asap for Christmas.
I will brief this up. By the time I was done I had no clue what accounts the guy opening my accounts up were. I only asked to have account opened that I needed to get access to some money as promised. This is only reason I even went to Wells Fargo. Okay the check had already been cleared and mailed from our attorney's law firm. Not once, never did anyone there tell me there would first be a 14 day hold. In other words I could not even touch this money until Jan 7. This is two days before Christmas. I asked every 5 minutes, opening, signing check, depositing money, who knows where. I was then told I could have $50.00 dollars max. I told them forget it. I want my check back. The only reason I was there they all knew was promised money that day. Not till after Jan 7.
Ok after I finally called everywhere and got no information that required me to wait 14 days to get money. Ok when I decided I wanted to take all money out to transfer to my own banks after this joke, get this I got a certified check to pay my insurance for $2,000.00 cash of $200.00 fees paid for money certified check and transfers paid. I had money all in my account $30,000.00. 2 days later I get a charge claiming overdraft overdrawn charging me $50,00 for claiming what a overdraft charge on account when I had almost $30,000.00 the day the bank clerk did all the money stuff still had thousands in there.
I have to say after all the begging praying to help me figure out how to remove charge on credit report as overdraft on account that had money in it never overdrawn, anyway in the end I had $150.00 in savings. Well guess what happened to my money I had three months later. I see that money was kept to pay claimed overdraft of $50.00. Kept $100.00 extra. I thought that was the end of it. Last I will state to this date no one has ever removed the overdraft charge still reported as not paid. How the... not one person at the bank would help due to I removed after all this every penny from the bank. Top this one!!!
This is by far the worst bank I ever been with. There is always something is always wrong. They constantly let people take money out my bank account. I hate this bank with a passion. Every time I turn around money is taking out. I approve this message.
Reached out to Wells Fargo to refinance our mortgage with an additional $10,000 for medical use. Had to give them $495.00 for Appraisal. At the time of first call I let them know it was an old farm house needing work as well as other buildings on property. After 2 months of very personal information being submitted to them, and an assurance that if the appraisal came back high enough the loan would be approved amount asking to finance was $56,000 amount of appraisal $228,000 but because barn is old and not in use demanded it to be torn down and siding on farm house. Also mobile home sits on property and they were informed of it from day one, but wells fargo says it also has to be removed.
I understand they need to cover themselves of any accidents but if we had the money to do all the above we wouldn't need the loan. We had homeowners insurance to cover losses to them so they in no means would have lost out. So people if your home is not new forget any help from Wells Fargo!!!
I was a customer as a teenager and now as a young adult and I do not have enough space to describe how much has gone on. Not only are the policies of this bank absolutely ridiculous, there are always issues. From my debit card not working, to hold that I did not authorize... DO NOT WASTE YOUR PEACE ON THIS BANK. I do not understand how WE the consumer let them hold our money and then get ** refused by them. I will never, ever again use them.
My insurance company mailed me a check. Someone got a hold of that check, endorsed their name on it and deposited it at a Wells Fargo Bank. The endorsed name in NO WAY matched my name on the front of the check. I don't even have an account at Wells Fargo. Some fool at Wells Fargo accepted the check and sent it on to the insurance company's bank for processing. Do you think anyone at Wells Fargo will help me? I have filed a police report and I will not hesitate to sign a complaint. The customer service/fraud department at Wells Fargo is unhelpful and incompetent.
On September 15, 2015 I was told by Daniel **, a mortgage consultant with Wells Fargo, that I qualified for a 5/1 ARM mortgage with a rate of 3.375%. I had signed a purchase agreement to purchase a property and had a closing date of September 29, 2015. On September 21, 2015 I was told that I didn't qualify for the 5/1 ARM and the mortgage was changed to a 4.750% 30 year fixed. I was forced to accept this loan due to the rapidly approaching closing date which didn't allow me enough time to apply with another lender.
Wells Fargo subsequently send me a letter asking for feedback on the loan process. In addition to my main concern regarding the bait and switch on the terms, there were a number of fairly minor but annoying communication problems with Daniel **. Wells Fargo investigated and declined to change the account to the ARM I was offered. They did however in a letter dated February 3, 2016 and signed by Chase ** send me a check for $500 "due to the incorrect documentation you received when the application started." They took the issue seriously enough that "we contacted the managers of the areas involved to that they can review the situation and take appropriate action."
I inquired again about the issue and received a letter dated April 1, 2016 and signed by Tyler ** in which he writes "We truly regret the miscommunication that took place origination of your loan and the appropriate management staff has been notified of your concerns." I filed a complaint with the Minnesota Attorney General's office and received a letter in response from Wells Fargo dated July 13, 2016 and signed by Tyler ** in which he writes "Our research indicates your mortgage consultant wasn't aware that you wouldn't have been eligible for the ARM loan at the 3.375% during the application process." The "incorrect documentation", "miscommunication", and the fact that their employee, "your mortgage consultant wasn't aware" or in my words didn't know his job is all on Wells Fargo.
I opened a checking account with Wells Fargo several years ago, and my experience with them has been overwhelmed with hidden fees and inconveniences. For example, when you use a debit card at a non-Wells Fargo ATM, you have the non-Wells Fargo bank's fee as well as Wells Fargo's fee for using another bank's ATM. To withdraw twenty dollars, you are charged five dollars between Wells Fargo's $2.50 ATM fee in addition to the ATM's fee being $2.50; that is twenty five percent of the withdrawal I want to make. There is a fee to just check your account balance on another bank's ATM.
To reduce having to pay these frequent fees from all over, I linked an external account from a bank that has none of these types of fees to my Wells Fargo account. To transfer from my WF account to this other account, it charges three dollars. I'm a student putting myself through college, and I could have paid for a years' worth of groceries in the amount of money I've paid Wells Fargo.
I have had a problem with accessing my account online for over 4 weeks since returning from an overseas trip. Apparently a payment online was entered incorrectly and all my online access was suspended. Then trying to call Wells Fargo resulted in over 10 calls to customer service where I was cut off as a person answered after holding. Once getting an agent online I had to be escalated to another department and got no return information so after waiting a week, tried to call again with same run around. No acknowledgement of any previous contacts and an agent who escalated to rude and unhelpful from just slow and unhelpful. I am considering changing banks.
Problem with their change of merging access to trust accounts and checking accounts for sign in purposes of viewing accounts online results in major road blocks. Until recently each account required different usernames and different passwords. When attempting to rectify the new one sign in, they were able to determine that their computer system showed that I had never been given computer access authority to my trust account (which I had had for years). Now I have to wait at least 3 working days for my personal trust manager to grant me access. That is not really a problem since it is read only access.
But now I can't access my checking account either as I learned when attempting to check the balance (I do not use bill pay with WF). Thank god I use a check register and track my balance and deposits and checks. Total lack of control by Wells Fargo as they have had almost a month to merge the accounts but did not do so resulting lockout after you call their number. Nothing wrong with the assistance I got on the phone but it is evident that the failure is with trust management not their computer system.
We have been banking with WF for 20+ years. We have been excellent customers with excellent records and been their PMA account ever since. We have a safe deposit box for over 10+ years. As part of the PMA account, we have been given the box in our branch for free. So we never pay a dime for the box since we opened it.
We live in the neighborhood of that branch, and we usually go to the branch at least once or twice a week, The last time I accessed my box was in June 2015. Last week we were trying to pick up few items from the box to our shocking, the key doesn't open! After the branch check through the paperwork of that box, to our amazement it has already belonged to someone else and we were being told that our box has been drilled open and the contents have been shipped to their depository dept in San Francisco due to nonpayment of safe deposit box fees!
We have never been informed about the problems, no letter, no phone calls and no one mentioned about the situation of the box regardless of my regular visits to the banks and ongoing discussion about our mortgages and line of credits for our bankings and mortgages! While we also in regular basis got a lot of marketing calls from the bank regarding their offer of products, no one bother to give us a call that our box is delinquent or about to be drilled or has been drilled open.
But good news is once the branch discovered of what really happened that this was the mistake from the bank, they were very apologetic and ashamed with what happened, they resolved the problem and got a hold of the situation pretty quick and has the contents FedEx back within 2 days and yesterday we went to the branch to pick up our contents but still we were deeply saddened when seeing our very valuable stuff, mostly our jewelries that we have been cherished whole life, had been all taken out from each individual cases and boxes to be crammed together inside plastic zip locks as if they are kids' Lego.
We know people makes mistakes but from a reputable and big name financial institution where the customers should trust such as Wells Fargo Bank, we expect a strict hold of following the process and procedures that should have avoided this mistake at the first place. If we didn't try to access our box we would never know that our belongings which we assumed were safe and sound inside the safe deposit box inside one of the most reputable bank are no longer there...
Using Wells Fargo Rewards is the worst process of all my interactions with this company. My rewards order had been labeled with the wrong address 2 time now. This causes me to HAVE to call the 877 number because emails replies are limited at best. I live in an apartment with a P.O. Box, and because the online address form has limited characters, it always incorrectly inputs the information. This could be corrected if the phone reps would take verbal address correction, but it fails, so far, every time I call.
Honestly, this is probably not their fault, they have likely been trained to use whatever the screen shows ( i.e. an address) and are only paid minimum wage. Please do not use Wells Fargo for anything. Simply use an Web engine search to take a look at the cases against this company, which they often settle for pennies on the dollar. They are now affiliated with USAA, a company I now refuse to do any banking with because of this relationship with Wells Fargo. Web search the Federal Reserve, and take a look at the big four and the many cases of how these banks scam people out of money. I reiterate, do not use Wells Fargo.
After 2 gruelling years I was able to sell my home and get the checks on Wed (that was a comedy of errors). That Wed I went to the local Wells Fargo, located in Allendale NJ. What happened from Wed to Saturday just blew my mind out. Since having no job since 2012 money toward the actual closing was insanely tight. When I spoke to the person who sets up the account she told me that I would have funds to start with ($200). Well when I got to the hotel I found out that the temporary ATM card did not have any funds on it all. The hotel I am staying at the branch manager wanted his money and in he was right on that. Lucky for me I had about a $100 bucks left from loan from my realtor.
By Thursday I had access to my account. By Saturday the 23rd I contacted Wells Fargo since I gotten an email that they sent a atm card to my old address - problem naturally being I don't live there anymore. For some screwball reason by Saturday afternoon the ATM card and the temporary one at that was deactivated. To my shock I was hoping to take care a few things before I leave Jersey for good next week since my money had actually become a major problem and since my brother was no help during this process (sold my folks home - that's why the no help). By this time what I had left was running out and starting june ended up skipping two major bills due to finance issues. The person who sets up accounts at the branch assured me that at least $200 would be ready for Wed. Since I also had to handle other costs to get my home sold.
After telling Wells Fargo they sent the card to my old address oddly enough the card was treated like it was stolen, instead of paying the outstanding bills. I had to put this off due to no money. And also need the money for personal medication as well. After enough yelling at the supervisor the card was turned back on but in some cases the damage was done. I was hoping to leave town Tuesday and drive directly to ohio. That got ruled out since no money - I had to put things off again. I had contacted corporate directly to get my email off their mailing list for surveys and after 3 days the bigger problems started. While the 6 figures I have left of the sale was nice but not able to get access to it that some may has well been a million or a billion but not be able to get it that's a joke. Yes somebody over there got the card working again.
Since their screw up I now have to spend another $102 dollars for hotel and as mentioned couldn't get my meds. Not until Monday. When the card was turned off nobody from the bank even asked me about turning it off but did try to get me with a new idea. My guess - some type of CD. Out of all the retarded things to happen, this had to happen so when I asked the "banker" why I am doing business here she got very quiet. From what I read if anybody does business with this Bank be warned. I am lucky after getting a new car I didn't have any real problems when I was on my way. I did try to get my email off their survey list but that would cut off my view of my accounts online. When I settle into an apartment was going to switch to paper statements. Not being able to see the balance of my accounts is just inviting a possible problem.
Opened a personal checking and savings account at Wells Fargo in 2012. Started a business a few months ago and opened a WF business checking and savings account in April. Also have WF handle our payroll and bought our point of sales system from WF. We've been depositing money steadily into our account since our business opened in late May. Because my husband's name is on the federal ID number, WF sent us a letter in May saying I couldn't be listed as a business owner (even though both of our names are on the lease). We resubmitted the required paperwork so it shows him as sole proprietor and were told everything was in order.
Had to close the two business accounts in early July because someone was writing phony checks on our account. Apparently the person who opened the account failed to use the revised paperwork, so I was again listed as a business owner. And then Wells Fargo closes our business accounts - out of the blue, no notice, even though the error was on the part of THEIR employee. And the money in our account -- sent back to us by SNAIL MAIL, and we were told it should get to us in 7-10 business days. They did this with no notice, knowing we had written checks on our account and even though we were damned good customers.
Customer service people told me we'd received three letters - a lie. They told me we hadn't submitted the proper paperwork - a lie (I have proof in e-mails with WF personnel verifying that they had everything they needed). I despise this bank and wish we could get out from under them. We unfortunately had little choice but to immediately open a new checking account with them because of our business situation, but once things smooth out, we will look to take our business elsewhere. And our lawyer will be looking into this matter, as we are surely going to end up with some bounced checks and a damaged reputation -- all because Wells Fargo hires incompetent employees. A warning to anyone considering a Wells Fargo account: RUN FOR YOUR LIFE!
Our business set up checking and savings accounts with Wells Fargo a couple of years ago. We thought that was a good idea as our employees travel the US extensively and would have easy access to banking. It took a couple of days to get the accounts set up with all the paperwork required, which has not been our experience in setting up business accounts with other banks. It wasn't long before we realized how difficult it is to deal with WF customer service, actually I would say they do not have customer service. They are not solution oriented - but spew policy which changes and adds fees to your accounts. I moved our checking and savings to another bank who welcomed our business, we were set up quickly and easily. I kept the WF business credit card but will now cancel that after this last incident.
We had a balance of $3800 on the WF card. I pay the card one to two times a month to keep the card at zero and to make sure we have the spending power for our employees when they are out in the field. I paid the balance on July 11 (due July 26) online with our business account at another bank. The payment cleared our bank on July 13. I keep a close eye on the credit card and check charges almost daily. As of yesterday - July 22 - our balance is still zero but WF has not added the $3800 back into our credit limit. I've called three time and were told I needed to FAX them our WF account number, date of the payment, amount of the payment, account number and routing number of the bank I paid from AND our bank balance after the payment! Or - I can wait until July 29 and the $3800 will be added back into our credit limit.
They will not resolve this over the phone, although they admit that we have been excellent customers, pay our credit card promptly and have used the same bank account to pay on this card for months now. We have never had a charge back. We process a lot of revenue for WF through credit card purchases - no more - someone else will get our business. We do not recommend Wells Fargo and will tell everyone who asks where we bank to not bank with Well Fargo. I seriously do not understand how this bank has existed with the crummy service and their difficult policies to navigate.
I informed Wells Fargo that a jewelry company I had written to canceling all future business with said jewelry company, continued to bill me over 100 dollars for said jewelry and after I disputed that charge and requested they not accept further charges, I received another charge over 100 dollars the very next month which Wells Fargo refused to deny payment on. I of course canceled my account with these thieves and upon further review they were accepting charges from other merchants that were unauthorized. Wells Fargo ARE LIARS AND CHEATS AND A highly UNETHICAL BANK!!!
I've been using Wells Fargo for the last handful of years. I've never had much of an issue with them before. Minor annoyances such as the required minimum balance/having to use your card at least 10 times (monthly) so that you don't have $10.00 of YOUR OWN MONEY taken out of your account. I logged into my Wells Fargo account online and I saw that I a negative balance. I had no idea why that was happening, and after looking at my transactions, I saw that money was taken out of my account that shouldn't have been.
I immediately called and the lady I spoke with reversed the charges. I told her I wanted my account closed and she hassled me for a while about keeping it open, but I said no. She said that I would be receiving something in the mail within a few weeks to clarify my account was closed. A few weeks went by and I realized I never received anything in the mail. I decided to log into my account and I saw that I had yet another overdraft fee because my account was STILL OPEN. This was at least 3 WEEKS after I had personally spoken with someone who told me my account was closed.
After a week of emails, phone calls, and pure incompetence on their part, my account has finally been closed and I will get a cashier's check with the remaining funds they reversed into my account. I have never in my life dealt with pure dishonesty, stupidity and downright theft with any bank before. I was told THREE TIMES by THREE DIFFERENT PEOPLE that my account was CLOSED. They never closed it until I called again and again. It's absolutely disgusting the way this bank preys on people and I will let everyone I know to never do business with this pathetic excuse of a corporation.
I am currently using a credit union which is far superior to a big chain bank such as Wells Fargo. If you must use a bank like that, head over to TCF. They do not require a $500.00 minimum balance and they don't require you to use your debit card at least 10 times a month. If you fail to commit to one or both of those, a $10.00 monthly fee will be taken out of your account.
Wells Fargo is horrible. They steal your money and they have poor customer service. I was going through a hard time and overdrafted my account. I informed Wells Fargo of this and asked them if they would take the NSF's off so that I could straighten the account out. They told me that the computer was not recommending this. What? The computer. I asked to speak to the manager and the manager acted all concerned, put me on hold and said "No, we can't." I told him I was wanting to settle the account but they would not budge. I was told by the overdraft department that they could offer me a settlement but only after they closed the account. I have never seen such a horrible bank in my life. I have to mention that the account was supposed to be closed but lo and behold it was not and they allowed an auto draft to come through twice in order to charge 35.00 each. I had already accumulated over 10 NSF's. This can't be legal.
I deposited a $25000 check into my checking account on 7/12/16. I was told by Wells Fargo that the funds would be available the next day. Considering the amount of the check, I felt that there would be a holding period on the check. After over 24 hours, I went to my local branch to confirm if the funds were available. I was told that there was no hold on the check, and all funds were available for immediate withdrawal. I then commenced to pay out over $13000 in bills. 39 hours later, I received an email from Wells Fargo stating that a hold had been placed on the check and the funds would be available on 7/21/16. I contacted Wells Fargo to explain that I had been advised by their employees that the funds were available before making any payments. Their response was "I'm sorry, the funds will be available on the 21st."
I went to my local branch and explained what was going on. One of the managers told me that I was being treated unfairly and she would get this resolved immediately. After waiting in the branch for 2 hours, we found ourselves in an office with 2 bank managers who were explaining to me, that even though the company that cut the check had paid the funds to Wells Fargo on 7/13/16, the money was in 'limbo' and would not be available until the 21st. However, they assured me that all charges that came through would be paid and no overdraft fees would be charged.
Less than 24 hours later, every charge I had made was refused and two checks were returned NSF. Also I have been charged $175 in overdraft fees. It seems that I was being told this just so I would leave and they wouldn't have to deal with this epic screw up that they caused. I have sent multiple emails, talked to several people, and all anyone can say is "I'm sorry." No one is willing to take action to correct this issue. I guess Wells Fargo saw an opportunity to collect some additional interest and to gain some money from overdraft fees. I would advise anyone who is considering to use Wells Fargo to seriously reconsider.
Hello all, I have been banking with Wells Fargo for about 10 years. Recently, I started keeping some money in my savings account (I never did that before but proceeded to pay the $5.00 a month for that account). I have a non-branch credit union account where I keep a majority of my savings. Anyway, since I started keeping "savings" in my savings account, I have been hit with two overdraft fees each totaling about 35 dollars each, one for $10 overdraft and another for a little under 3 dollars. Their so-called overdraft protection is simply moving my "savings" to my checking account to cover "shorts" and then charging me $35 more dollars on top of that.
So I learned something, don't keep anything in your savings, at least you have to "protection" of making good on your account through deposits. Go with a different bank for savings, I have decided to use Wells Fargo like I have previously used them. If I had another option, I would bank elsewhere, meaning a larger nationwide branch, but for now, this is all I have.
I have tried to call my local branch on over 5 occasions over the past few months; several times for 30+ minutes and NO ONE EVER ANSWERS THE PHONE! To add to my cheer; I activated my card according to their instructions and once confirmed it was activated, went to make a purchase and got denied. I had to go home; call them and they "put a stop on it" for no reason. They are the worst. I am closing my account today.
I paid to have a check delivered FedEx overnighted to me from my brokerage account. I deposited the check in a Wells Fargo ATM and the funds were placed on hold for 5 business days. When I went to the bank to find out why and explained the situation I got a lot of shrugging of the shoulders and no help. This is not the first time I have been blindsided by Wells Fargo's lack of communication and "sorry there's nothing we can do" excuse. If you want to be disappointed and don't mind customer service that rivals Comcast for worst customer service then Wells Fargo is the Bank for You.
I have been banking with Wells Fargo bank for years, and for some reason they have become a horrible bank as the years went on. I have had them allow a transaction go through based off a bank card that was cancelled because it was lost. Keep in mind that same card and card number was changed out twice over before they let that transaction go through. Then on June 30th I was given a counterfeit $20 bill from one of their branches. I was then told they could not give me my $20 back. The last straw was the fact I signed up for in account I was told would have overdraft protection, but when a check went through the money in my second account was not used to cover the rest instead they charged me an overdraft fee of 35 dollars, for $3 dollars that was moved to my second account. I was also told they could do nothing about it. I would advise anyone banking with them to get out as soon as they can.
My mother has an account with Wells Fargo and she passed away on 6/22/2016. My father and I went to the Vero Beach branch the day we received the death certificates on 7/5/2016. My father's social security check got deposited into her account because she took care of the household finances. The deposit is tagged with his social security number so the bank knows it is his monthly check. They are refusing to release his funds because he is not a signer on the account. They are literally forcing him to pay for probate to get his money. My mother and father lived month to month on their social security check. They have nothing of value. The account might have $150 in it on top of his check amount. He was not asking for any other money from the account. Simply the amount that the bank has proof is his monthly money. This money is the only source of income for him.
I called and spoke to Michael in the executive office and he told me that probate was the easiest road to claim my father's social security check. I asked for a list of other options and he told me he could not give that to me that I had to go back to the branch. He also told me that if my father does not proceed with probate the funds would be sent to the unclaimed property fund of the state. This is absolutely the worst case of cruel heartless business practice I have ever seen. They are holding his money hostage.
They overdraft me 400 dollars without a single phone call or warning. I didn't even know until they called after I built up a large sum of money. I could have easily paid it off before it got out of hand. They are thieves and continue to charge 35 dollars for even charges that are a dollar. How is that fair. No warning. Nothing. They said they are willing to drop a single 35 dollar charge. Like that helps. Worst service I've ever had. I plan to leave them as soon as possible.
I had a situation with a fraudulent transaction. I called into their customer service call center because the bank branch hadn't handled the claim like they said they would. The woman I spoke to assured me that if I canceled my card and was issued a new one that it would prevent the transaction from "going through" even though THE TRANSACTION HAD ALREADY BEEN AUTHORIZED. Turns out that was plainly FALSE. And the authorization for the transaction which she said she could see happened days before didn't even reflect the full amount!
The rental car company which decided to upcharge me fraudulently authorized the transaction after I canceled the card (at the Wells Fargo bankers suggestion) and so my card was canceled the next day but the charge still went through despite the fact that I went to the trouble of canceling the card because it was authorized to do so.Twice! And Wells Fargo won't submit a fraud claim because I had agreed to the original charges (never mind the upcharges that were added later). My main problem with Wells Fargo is this: you have to get a 2nd opinion. Call them once and ask one banker and get story #1. Call Wells Fargo twice and get story #2. They like to change their stories to tell the customer what the customer wants to hear: NOT WHAT WILL ACTUALLY TRANSPIRE. And being with this bank for over 13 years means nothing.
The company I work for has their payroll, they're Wells Fargo Bank. One pay period the direct deposit did not go into any employees account. It was a holiday weekend and Wells Fargo kept saying they could not figure out why this happened even though it was determined it was the bank's mistake. Our Payroll Dept was on the phone with them for 2 days (ALL DAY) being transferred from dept to dept and it was found out that the bank knew there was some kind of problem on Tuesday (payday is Thurs) and no one at the bank acted to try to correct the problem.
Well it is now Friday time to go home and still no deposit in any employees account. People cancelling vacations because they do not have money, checks bouncing, etc. The company I work for is removing all accounts from this bank after this mess because the bank had no concern for their customers. It is 2016 and this is unacceptable. Everyone makes mistakes, just admit your mistake and correct it. However, Wells Fargo cannot even do this. DO NOT USE WELLS FARGO BANK!!!
How are these crooked banks allowed to charge $35 on an over charge for the SAME charge if not paid up by the next due date? For example: say, June payment was late, I paid the regular payment 12 hrs late yet, they told me if I didn't get that late fee paid by my next regular payment they will continue charging $35 each month for the June payment! I will NEVER let Wells Fargo finance me EVER, AGAIN!!
I try not to have an overdraft but it happens. On a Friday I made 4 debit transactions at store. On Sunday I made one debit transaction. I was off my balance by -$1.62 cents. Wells Fargo took the Sunday Debit as being the largest and paid it, but the for small Debit I did on Friday they hit me up as an overdraft for 3 transaction. It's a scam with this bank. I showed it to my Credit Union at work. Once I can get all my direct deposits transferred to the Credit Union, I will be leaving this bank after 35 years. They are just bad news and judging by the hundreds of bad reviews, it tells me the bank does not care and will continue to cheat its customers.
I have banked with Wells Fargo for several years now. This bank will actually rearrange transactions to hit you as many times as possible with overdraft fees. Merchant made an error? Fraud? Good luck fixing it! Did you sign up for their account notifications? Nice try, but the bank won't notify you until AFTER the fact, so you won't be able to add money to the account my COB to avoid fees. If you're even a dollar over you can expect to be charged $35 even if you have a deposit headed your way. This bank looks for any way possible to slap you with fees (overdraft, account fees, etc) and provides nothing in return. The staff is extremely unhelpful and severely lacking in the knowledge to help you bank efficiently and effectively. I hate this bank with a passion and will be moving my money elsewhere ASAP.
I am the Executrix of my father's estate. First of all, it took a ridiculous amount of time, over 8 months, to get my dad's Wells Fargo account settled. Wells Fargo gave me one excuse after another, and never gave me the same information twice. Then 4 months ago, I fired my estate attorney. I informed Wells Fargo immediately of the change, and on numerous occasions since that time, and requested that they not send the attorney any more documents or personal info of any kind, since he was no longer handling the estate. However they have completely ignored my requests and have continued to send my previous attorney documents containing personal information about my father's account, the latest dated 6/10/2016. I can't believe what they are doing is even legal. So I will rate their security a minus 2. I would highly recommend staying away from Wells Fargo.
I strongly urge anyone thinking of doing business with Wells Fargo to reconsider. Ever since they took over Wachovia Bank, their service, knowledge and performance has been less than professional. Apparently, their bankers are STRONGLY encouraged (I've heard that bonuses are given) to sign clients up for various products including credit cards. I got taken. In FEBRUARY the banker I spoke with told me that if I sign up for their credit card and charged $1000 on it, I would earn $100. This sounded great. I signed up and in less than one month charged the required amount. I called and asked to get the $100. I was told I had to wait until the statement processed. I waited a month and then asked for the $100. I was then told it takes several statements to process before they can issue the $100. It is now June - 4 months later - and I just returned from the bank. I am now told to wait until the end of July.
I firmly believe that Wells Fargo is going to try and push me off as long as they can in hopes that I give up. Next month, I plan to speak with a manager since I've jumped through every hoop they've put towards me. I firmly believe that Wells Fargo is corrupt, and I would like nothing better than for that institution to be thoroughly checked for their ethics and business practices. I cannot believe that I am the only person who is experiencing this problem. So multiply my $100 x all potential clients and Wells Fargo is sitting back and having a good laugh. Pick another bank!!!
I have been financially struggling for quite some time and my WF credit card has been maxed out and is frequently over my credit limit. Many times I will get the message that requests payment of the over limit amount. I do keep up the best I can by trying to keep up with all the payments I need to make but something is very wrong. Several times I have made the immediate payment of amount requested so I can avoid being over limit and it and it fails. The most recent was Monday June 20th. I had an urgent message to make an immediate payment of $141.50 dollars and I transferred $142.00 to cover the amount demanded. The immediate payment of $141.00 was not applied to the CC account & remained pending for 2 days.
Today - with absolutely no credit card activity since prior to the time of payment I am still over my credit limit & they are demanding an additional a payment of the Overlimit Amount (Due Now $55.35 - there was absolutely NO activity after the time of payment of $142.00 when $141.00 was requested). This is happening very often & THEY have made errors with my accounts that have added to the stress and struggle instead of working with me to help resolve it. Of course that is all 'policy' and their hand are tied. I will not be dealing with Wells Fargo anymore at all. I have been a customer since 1995 but I will no longer trust their practices and policies.
Wells Fargo Bank has charged $2,300 in NSF and overdraft fees on my mother's (75 yr old) checking account. They charge $35 for debit transactions and $35 every time the merchant resubmits a check. They charge $35 if you don't have enough money in your account for auto payments also. 65 fees since December 2015. Nobody picked up the phone to call her to say "Ms. is there anything we can help you with, is everything ok because your account is in trouble." She's banked with Wells Fargo 43 years. They waived only 9 fees.
Yesterday, the 20th, I received an email that my bank account had insufficient funds so I checked my bank account and it was a total of -$117.50. 4 $35 overdraft fees and a $12.50 over draft fee and they were all from the 17th. I was aware that my bank had over drafted with 4 transactions that made up to $17.78 so on the 18th I transferred some money to clear that out of my mind and it all looked fine in the 19th and yesterday morning. So I called Wells Fargo to let them know what happened and there was nothing they could do. I understand that they charge fees but they had me thinking that everything was fine but little did I know about their Monday surprise. Whatever happened to stopping the transaction? No they want you to keep swiping so they can charge you fees and notify you late when there's nothing they can do.
They closed my business checking account without notice and even though they reinstated my account I can't get my money that was in my account at time of closing. They claimed they mailed me a document for me to sign and return. I never got it because they mailed it to the wrong address which I never provided when I opened the account. I have received several documents including my debit card at my correct address but this legal document which I must signed was sent to an incorrect address that they use to close my account. I have been without money to run my business or to do any business at all. I will never do business with this bank again. They claim they are for the community. Rubbish. They only cater to you if you have a fat balance in your account. All I want is my money and I want it NOW!
My wife died March 1, 2016. She suffered for four years in bed and was finally put in the Hospice program. Wells Fargo claims that her card (only her name on it) was co-signed by me. This, they say happened on Dec. 24, 2014. My wife's card never had my name on it and I never got a card until I call Wells Fargo and told them of my wife's death. Wells Fargo told me I was put on the account April 4, 2016. Still, after their Dec. 2014 claim, I haven't received a card and never used the "new" or fraudulent card. In Colorado the husband is NOT responsible for the wife's credit card debt. Looks like more "lies" for the Feds to look at. Before this, Wells Fargo was fined, last month, over one billion dollars for having their employees lie about loans to consumers. Wells Fargo can't be trusted and if they are too big to fail, then they must be broken up. I will not pay them a dime on a "fraudulent" account.
This review is specific to the branch located at LEGACY & COIT in Plano, TX. Went there to deposit a couple of hundreds in each of my kids' accounts. The cashier who showed readiness to tackle my stuff, seems brand new and he knew nothing. He didn't even talk to me, went straight and brought another guy who supposedly was knowledgeable. On my request to deposit these hundreds into the two accounts, he asked if I have joint access with my kids. I basically told them that I'm just depositing, handed over my driver's license and explained that I'm the dad and that I do have internet access to one of them. The guy answered me in a very strict, rather negative manner that I cannot do that unless I have joint access. I took the hundreds, the driver's license and told them I'm moving the accounts to another bank.