Wells Fargo Reviews

It seemed to me that someone had somehow logged into my account and changed the contact information (how they did that without me getting the 2FA text message nor me receiving an email stating that my contact information had been updated was beyond me). I was transferred to Online Fraud, and I spoke with Irene. Irene was the 4th Wells Fargo employee that I had been routed to after being disconnected once. I explained to Irene what had happened, and she was adamant that those numbers were mine, even after I explained to her that I had never been in possession of any numbers that matched the last 4 digits. When I asked her to provide me with all 10 digits (including the area codes), she stated that she could not give that to me even though it was information in my account (I should be the owner of all of my personal contact information, no matter what anyone says, period).

Not only would she not provide me with the numbers so that I could contact the person, but she also claimed that I had changed the area code of my own mobile number. The last time I was able to access my online account was 8/7/2017, and today's date is 8/14/2017. She was claiming that I had changed my area code within the last 7 days, so I asked her to check the logs and tell me what day and time I supposedly did that. Irene was not able to tell me the date and time, but she accused me to changing it as well as adding the "new" erroneous numbers (I guess the Customer stopped being right a long time ago). I work in IT, so I asked her if she could tell me if their system had any data breaches or upgrades, upon which she admitted that they have upgraded their OTP (One-Time Password) system.

After admitting that, she then said that the conversion process must have taken my old contact information from Wachovia (which is nonsense, because neither of those numbers were ever attached to me) and replaced my mobile number by mistake. I then tried to contain my anger, because apparently I had not been hacked. I asked her to delete the bad contact numbers and add my correct mobile number -back- to my account. Irene said she had deleted the numbers, but adding my mobile number would take 3 months because of an "eligibility" process. After she said that, it took every bit of control I had to not reply with some choice words, but I remained professional. What an inconvenience to go 3 months without being able to login to my account and manage my different funds! I had her transfer me back to Customer Service.

Customer Service explained that one of the numbers (the "home" number) had in fact been deleted by Irene, but she left the "work" number. The CSR then deleted the "work" number also, but she explained that it would take 1-5 business days for my mobile number to be "eligible". What in the world do they do that takes 1-5 days??? Anyway, long story short, if anyone else is thinking of switching to Wells Fargo, I urge you to reconsider because they are not good stewards of their customers' data. Nor are they good at Customer Service after hours. Maybe I should have called during the day.

The day went by and my fiancé and I bought our usual groceries. The next morning I woke up to an email saying my account had reached 0 dollars. My fiancé and I are always on top of our budget so there was no way we spent that much in little time. He contacted customer service and they said we committed a check fraud and they withdrew "both" checks from my account when we were specifically told by CS and a local teller that our account was alright and there would be no further issues.

On the 5th business day we were told a letter would come in explaining what had happened even though it was not made intentionally by us and attached with it would come a copy of the original check so we could cash it however we please. (Exact words from a CSR) We were not given a confirmation number during the phone call but was assured it would be in the letter. When we received it there was NO CHECK, and no reference number. Every time we call we have to explain the story. After speaking to several branch managers they were able to provide some info on how tellers are able to see previous deposits and whether or not they've been voided.

So this goes to show us that not only did the person we gave our check to had little to no training but poor service. Whenever we call, information is so inconsistent it almost seems like these people don't work for the same company. We have been going back and forth with them for over 10 days just to see if they will be the ones to give my money back because at this point my HR and payroll manager confirmed on their end that it looks like I spent my check already. Wells Fargo says they reached out to me multiple times but all I got was the email at 7:30 in the morning saying my account was at 0.00, not even explaining why.

The lack of respect is ridiculous and there is no information that adds up with this situation. We've now been told that our mobile deposit should have never been voided in the first place. I'm not sure why a CSR would choose to perform such a task for me knowing that it would cause so many problems for my account. This week will be 2 weeks that I've yet to see my money. At first we were flat out told "There's nothing to fix and you owe Wells Fargo all your money." How does that make sense when the error was not made by me? There is tons of miscommunication and once I receive my check in full I will be canceling my account.

This is collateral fraud with Mays landing Prison in NJ, Atlantic City prosecutor's office and Wells Fargo bank taking away civil rights of targeted constituents for a money making machine... All three entities denied my ability to make a phone call out of their local area for 3 weeks. That is collateral fraud... Wells Fargo Bank teaming up with Mays landing prison? Mays landing prosecutor's office that abuses the rights of every inmate that signs their jail house clothing receipt with a Power of Attorney transfer to Wells Fargo Bank is a fraud, a trick and it discriminatory to people on government subsidies... The people they hold with no voice... for their Profit...

It's a fraud against all people on disability arrested and not found guilty of anything prior to sentencing... This power of attorney will keep people incarcerated for the 3 entities' best interests... never mind justice... This is a fraud. An abomination the bank prison and court house created illegally... How is it a prison and bank work together to take away power of attorney without the knowledge of the inmates. Fraud.

I spoke to eight Customer Service reps and Supervisors (recorded all of it) and expressed there is something wrong with their internal process. Almost something very peculiar going on. None of them expressed any concerns and robotic with their response and process of what to do next. No escalation. Just submit a claim each time, stop payment will be issued and new checks will be issued... and I keep waiting. WFB hasn't had good reputation recently and this process is so wacko, I'm wondering if some fraudulent practice is going on whereby these point conversion to cash requests are purposely made difficult?

The future of retail banking, in my opinion, is in technology and as old-school consumers begin to become non-customers and younger consumers who are more thoroughly versed in technology become bank customers, competition will be driven by a bank's ability to satisfy the making of banking somewhere between easier and effortless. In that case, the banks with the bucks have the edge.

I complied with sending a invoice, the same day. I called a few days later asking my status, I was told that status was approved but not for the amount I asked for. I asked the reason why my original request declined, and the response was that the class doesn't cost that much, I told them I understood that but I have software, and computers and other items too but for this course. They told me if I wanted to receive more of my money that I would have to send them a advertisement of the items that need for class. I told them that I'm taking a high level course, and since your company knows that I'm in class that requires a computer and software there is justification.

They asked me would I like the money I was approved for. I said, "Of course". And I asked them if they were following the guidelines by the IRS.gov site. After I read the guidelines to employees and managers I still have not received my compensation so I will be reviewing other options through legal. I hope this helps. Don't save with Wells Fargo, tell your company not put your hard earned money in Wells Fargo.

The next day I called customer service to ask why my deposit was ''still pending''. I was told that since I made the deposit on Friday night after hours, it wouldn't go through until Monday!!! I was shocked because I was never told by the bank that Friday night was the cutaway time to deposit a check! My whole weekend plans were ruined!!! It's Monday afternoon and my check still has not gone trough yet!!! Should not take this long to process a 300$ check!!! Still not able to get personal things done!!! The only reason I'm giving a second star was because the customer service reps were very polite.

I'm not sure what happened to a very great company like Wells Fargo and I had many years of satisfactory service but like I said the last two years have been horrendous. IMHO, I believe the liberals took charged and ** all up. This morning I'm trying to transfer money from my Wells Fargo acct to a different bank savings acct and they have you go through a bunch of asinine procedures for safety, that's **, because it's just a way for them to not let you easily transfer a measly $100 from their tightwad company. I'm sick and tired of the stupidity these American company's acting like we are from another country. I just want to know, are LIBERALS RUNNING THIS BUSINESS? IF THAT IS THE CASE THEN THEY ARE TOAST!!!

The same rep who sold me the above-mentioned savings account called me when my SS back pay hit my checking account. He was salivating at the bit and said he would move the money, over $50000, into another account. I tried to explain that my private disability would be withdrawing the money as soon as the next week. He was relentless and told me it was in my best interest to reappropriate the money... even though one of the provisions of the private disability account stated that once I received my SS back pay it was to be immediately sent to their company.

Fast -forward to 7/28/2017. A large tree fell on my house. It was going to be a week or so to get funds from my insurance company. So, I once again visited your location at 6119 Saint Andrews Road, Columbia SC. I was seeking a personal loan of $3000 in order to get the tree removal expedited immediately. The customer service representative took my application and said I could check my e-mail over the weekend for a response, but at any rate, She would call me at 10 am, 7/31/17.

Now it is 8/2/2017 and no communication from her. I called my insurance company, USAA, today and after explaining my lack of follow-through from Wells Fargo, they immediately approved my tree removal estimate and I will have the funds to have the tree removal performed tomorrow. Even though there was the chance that I may not have been approved, the Wells Fargo customer service representative should have contacted me. So long Wells Fargo, hello USAA Bank.

The second person was even worse. The documents we submitted were ignored for months and then we were told to resubmit the exact same documents. Then again. Now today AFTER FOUR MONTHS of submitting mountains of the exact same documents, we were told that our application has expired and we will have to reapply! Worst customer service experience ever - hands down. We will never do any business with Wells Fargo loans.

At the time I opened my account their policy was as long as I maintained 2,000 combined in checking and savings there would be no checking fee. I don't use this account often anymore and I had a few thousand in savings and a few hundred in checking and rarely checked it. Set it and forget it sort of thing. (I know bad idea, but I trusted them). Well, they changed that a few years later but didn't tell me.

The new policy was that they don't combine the savings and checking balances to waive the fee, that the CHECKING account must have the minimum 2000, and savings doesn't count. Even if I had 20,000 in savings it wouldn't matter. I found then I had several past service charges of $35.00. So I had to transfer my savings to checking to keep from being charged again. This is a ridiculous policy. That's 2000 just sitting there not collecting interest and can't be used by me. They did refund me the fees though, this was right after the scandal and I think at the time they were being very lenient, naturally.

(Not that the savings interest is worth mentioning anyway. What a joke.01%). Also as others have mentioned, purchases by me sometimes don't show up for days, and some show pending for long periods of time, disappear, then show up again. This has never happened with other banks. I would love to close this account out, but I keep it since my main bank is online only, and it's convenient when I need to deposit cash occasionally, otherwise I would dump them.

I had a payment return even though I have overdraft protection and even though my direct deposit was sent days before. One reason it returned is because they didn't apply my direct deposit on my account even as pending. It was sitting somewhere in the bank's ledger instead of applied to my account pending until pay day. The other reason they didn't honor the overdraft protection I opted on for. This bank really don't have overdraft protection and posts funds immediately like they claim they do. Customer service is rude and uneducated. I've been hung up on. Don't bank here. You do not need the hassle and could easily go with another bank. If enough customers change banks maybe they will close down like they should. Put your money somewhere else and not with this bank unless you want to lose it or take the risk of having your identity stolen. I don't trust them at all. Wells Fargo is not worth the hassle that you are bound to get at some point with them.

I've been a WF customer, & so has my family, For many years. Why am I being treated this way? IT IS unfathomable that Wells Fargo creates an impossible situation for LOYAL (20+ years) customers that obviously do not have the income to afford even basic living expenses (and not by choice). I put myself through college while working 3 jobs, and it's just taking time to find a new job, (working FT trying to find one). And I am crying, I can't even afford to eat, and a company that I HAVE BEEN WITH FOR OVER 30 YEARS is trying to take every penny I earn. I am making less than minimum wage. AND my IRA (that they talked my parents into getting) has only received 11 cents a month, about 56 CENTS in YEARS, which I cannot close, and Wells Fargo brokers are supposed to invest my money "the best possible way".

Now here comes my latest issue with them early this year in Feb. I got something in mail to open a credit card with them in a mailer so I thought why not start putting things altogether and open an account with them so I do. Everything is fine until this month and I log into my account today and it shows my account was closed, mind you we had no charges on it. Yes a zero balance. Next to it was a 1-800 number which I promptly called and guess what. That is the number to collections and she is dumbfounded why it was closed with zero balance also so away I go to next person.

Well long story short it took 5 yes that is Five people. Later a man named Nick an Account Executive I believe he said his title was and he was to put it bluntly a Rude Jerk. He just kept on saying "we have the right to close accounts at anytime per our T.O.S. Terms of Service agreement. And Sir you have not used the account since opening 6 months ago." Really 6 six months. I told him I have not gotten any warning of this about to happen and he just says "it was in the T.O.S. statement you got when you opened the account". Which whoever reads those is someone I have never met in all my life.

Then in the next breath he says "Well we never sent out statements due the fact there was no use on the account for Feb, Mar, Apr, May, but I show that we sent one out in June." Which I never got. Not totally their fault. Our mail in Fort Worth doesn't always get to the right address. "You are welcome to reapply since I can not reactivate your account." Why would I want to reapply for you to close again at your own leisure and take another hit on my credit report for hard inquiry along with a closed account.

Very Poor business practices going on with this banking Establishment in my opinion. We will be closing all accounts with Wells Fargo. It is sad to see a company I thought really did have my best interest in banking actually be as bad as the media is saying. They are with all the recent scandals in the news. You would think they would be more careful on their actions ie the credit card scams opening up of account for people that didn't request them and the Mortgages.

While attempting to collect a $20, I was made aware that the account only had $10.20 and I quickly cancelled the transaction in order to transfer the appropriate funds or select a different account. Well, while I was requesting a new access code, Wells Fargo charged my account with the $20 that I never received and caused my account to be negative $9.80!! I had to quickly transfer funds again (three times now for a stupid $20) in order to just get ONE $20 dollar bill. Now, what if I didn't have reserves in a savings account (like so many Americans don't) I wouldn't have ANY access to money and would be negative for a faulty system. My suspicion is that they will attempt to charge a $35 overdraft fee for a technical "issue" on their behalf. Talk about a scam!!! I'll find out tomorrow once the pending charges clear, in which there still are two ATM postings totaling $40 when all I got was a $20 (for gas mind you).

“I wanted to let you know, I have received a mailing from Wells Fargo last week. They have failed to send the money and when I spoke with them today, they admitted they gave me the wrong information and I can sue them if I do not like the fact they changed their minds about the documentation they need to disburse funds. Wells Fargo is blatantly ignoring orders from the court. Because the funds are a relatively small amount when compared to legal costs, suing them could consume all the funds available to the estate. I have sent a packet to ** today by email and regular mail with detailed instructions and forms he will need to sign to meet the request of the bank. I wanted to let you know of the delay, but unfortunately, Wells Fargo has been unreasonably difficult from the beginning and they are taking advantage of the small amount assets in the account because it discourages expensive litigation. This scenario is well documented on the internet. We will contact you with status upon our next submission to Wells Fargo.”

This is complete BS and nonstop BS with Wells Fargo and someone needs to do something about it. I’m about to be evicted from my home and I have had 2 heart attacks and 2 nervous breakdowns since my parents passed. I don’t need the grief Wells Fargo anymore. Then people wonder why people flip out and go bonkers on banks etc etc.

What is not standard is the additional fee that Wells Fargo tacks on for using someone else's ATM. When I called in last week I was refunded over $100 solely in ATM fees over the last 15 months. That is ridiculous. Where I live there is not a Wells Fargo around every corner, they are few and far between. It is difficult and sometimes impossible to drive to a Wells Fargo to use their ATM, especially when traveling. Every time I have to go to my local branch for anything I wait for at least 20-30 minutes to see anyone. This includes seeing a teller to make a deposit, they never have more than 2 people at the teller counter. Calling in for any reason is a nightmare, get ready to wait on hold for at least 10 minutes only to be transferred to upwards of 3 different "departments."

By far the most poorly operated bank I have ever made the mistake of doing business with. I recently made the fantastic decision to switch all of my Wells Fargo funds to my Charles Schwab accounts. They have free checking that comes with a brokerage account and allows you to transfer funds between the two accounts with one click. Now, instead of having my money sitting in a savings account that yields .01% annual interest, I have more money going into the market and several other long term investments. Not only does Schwab not charge you any fees to use other banks' ATMs, they also reimburse you any fees that the ATM or bank branch charges you to pull money. Service is much quicker and when you call in for almost any reason the person who answers your call can actually assist you from start to finish without transferring you. Goodbye Wells Fargo, you will NOT be missed.

Catie then offered to open a new account for me to avoid the Wells Fargo check cashing fee for non bank customers. I kindly declined and left the bank. I then contacted two of my banks BECU and WECU local banks. I asked them if they charge non bank customers to cash a business check drawn on their banks. I was told there is no charge to a non bank member to cash a business check from their banks. They told me they do it as a courtesy to the community.

I am outraged that Wells Fargo business policy is to charge a non bank customer to cash a check drawn off their bank. It smells like theft, looks like theft and tastes like theft. I would be embarrassed to have a business client of mine be told at the bank teller window "we are going to charge you $7.00 to $10.00 bucks to cash a check." I would highly recommend not banking at Wells Fargo and I am astonished that Wells Fargo finds this policy acceptable banking standard. Wells Fargo is not community driven and has horrible banking practices.

On the following I subsequently incurred $208 in overdraft. However, when my deposit came a day before Wells Fargo charged $40 to my account without my knowledge and then they cut off my card for misuse. I am a disabled widow. I don't need this type of business with a bank. I have names and have documentation that employees have denied me information from my account. Recently, the comment made I reported to their office directly. However, I am still aggravated by this bank’s practices. I applied for a card with Wells Fargo about a two weeks ago. I believe after the pull of my credit is when Wells Fargo cut off my debit card. But they refuse to agree. I need to investigate why my card was cut and I have no answer in the credit request. In fact none of the employees would provide me information to follow up on my application.

Briefly, my wife opened a Roth IRA when she was in her early 20s and the advisor invested most of it into "cash alternatives" and other far too conservative avenues. The account has been generating less than 1/2 of normal market return for over a decade. I'm glad I caught it now and shared the investment strategy with a close business partner because now we are switching to another provider. But even this has proven to be a challenge for Wells Fargo to complete. For the past 7 years she has been trying to get her maiden name changed to her married name. Seven years. She mailed them the paperwork, called, and faxed. Same name still.

Now that I'm pushing them, I call right after I fax and they tell me it takes 4 hours to update in the system. 12 hours later, now they tell me it takes 48 hours to update in the system. Still no fax. Where did the fax go? I have the confirmation letter in my hand! Faxing again... Their website was described as "user friendly" however I cannot reallocate funds, I can't add any account to add funds, it is beyond frustrating.

I had told them all along I could sell a property or two. They were so disconnected on all they did. When I would call into Wells Fargo to see what else they needed I was told many times they needed info on my property in Virginia... "I DO NOT HAVE A PROPERTY IN VIRGINIA" I kept telling them. This took them several months to remove this problem. My financial situation changed again as I rented out our commercial building and now had more income. I also sold a property and could put that into the paydown in hopes to get a loan remodification with a lesser amount due.

Getting Wells Fargo to work with me was a BIG JOKE. I thought I had reentered Loan Modification but I guess I had not... They at first gave me to the same terrible woman I had at first. I requested someone else and thought I had gotten someone else and was in loan remodification. I came home to a note on my door. They were selling my house in 12 days. I had another property in Escrow in case I had to pay down in full. What happened to the loan modification? I am not sure. They were Terrible all along to deal with.

The right hand does not know what the left hand is doing. I was getting paranoid dealing with them as you could not get the same person or the same answer or an resolution at working something out. I had to sell 2 properties to pay off the loan and then when I had the money I could not get the pay off information on how much to send to them or where to wire the funds. It took me a week of being on the phone 8 hours and calling not fewer than 60 people and numbers and still nothing. I also had to get a hard money loan as the other property was not yet through escrow yet. They would not allow me to talk to a supervisor or anyone who knew anything. I asked many times when calling in if I could talk to a supervisor and the answers was no. What a JOKE. I had the cash to pay them off and they would not give me the information without a huge fight for 1 week.

I would call in and be put on hold for over an hour at a time day after day. I kid you not. I have the phone records to prove it. My husband sat there in disbelief over the whole thing... I had entered the twilight zone of incompetency. I was certain. They told me they could fax the info to me or e mail it to me but it would take 5-7 working days and that was the best they could do. "Sorry ma'am" I was told. "**!!!" I felt like saying. "Well my house was up for auction before I would get the pay off info to pay you off." They made it as hard as they could. ** all of them! I was always polite till I lost it completely. I had to take off a week from work only to get the amount I owed them and where to send the funds. I asked to speak to a supervisor numerous times and was not allowed to. I was of the mindset "you catch more bees with honey." Well that did not work at all. I went back and forth between them and the trustee. Both were clueless.

to sell my house and possible profit from it as I had a lot of equity in it. After going crazy and screaming and dropping F bombs did I finally get a call an hour or so later saying "I heard you had a complaint..." Really... How they do business is criminal. I hate them more than I say. I feel all of this was intentional to make me lose my house. I had all of their ** money yet they would not and could not give me the payoff info or where to send/wire the money to. Took me a week to get and at least 100 phone calls. I ** Hate WELLS FARGO!!! How they do business is CRIMINAL. How they treat customers is the same. I was treat like **. They told me it would take 7-10 working days to get the pay off information and they could only do so by fax or mail. WTF. As I had the time.

I wish to get away from them but am stuck as now I can do nothing. For 3 years being my credit is ruin because of the foreclosure even through I paid it off in full. I have been financially ruin by Banks this. Yes there is a HUGE PROBLEM with the FEDERAL RESERVE and our own GOVERNMENT who makes the laws to protect these banksters. I am thinking they just wanted my house as it had A LOT of equity was in a very desirable area with high resale values. I am not sure why they did this but I did fight like hell to save my house and I am thankful I did but still stressed over it all.

Sorry for my BAD Language. What a joke the whole thing was. I think there is so much more to all of this than many care to see. Think student loans. Why are young people being so saddled with so much debt just WRONG!!! We are making the wrong people rich. All they have to do is print more money. I am thankful I had the assets to save my house but there goes my retirement... Working like a dog at 60 years 7 days a week 10-18 hours a day. The joys of self employment are no longer.

Anyways, today I called to see if they can figure out why the payment was taken out, they were of no help. The person I spoke to transferred me to claims department stating that they should be able to reverse the transaction and take care of any overdraft fees. She filed the claim and transferred me. When I spoke to the claims department, they said they can't see the claim as it will take 24 hours to 'pop up' in their system. What am I supposed to do? Wait till you guys figure out the issue and until then I will have to wait for another 10 days for the account to be in -$100. No thanks! I will pay for it and take the damage instead of dealing with your ridiculous customer service.

I waited weeks and until this day I'm fused with wellfargo.com banking procedure. They dropped the claim and stated that if I didn't receive the refund to place another claim. I learned that Banking with WELLS FARGO & wellsfargo.com FOR OVER 25 YEARS is not for the commoner interest. Use small banks that still ARE human. WELLS FARGO IS NOT LOOKING OUT FOR THE AVERAGE CONSUMER. LOOK OUT! I discourage any small businesses or any person to open an account with Wells Fargo & wellsfargo.com. They don't care to lose a loyal customer and they are not interested in what you have to say other than take your hard earned money.

"I can confirm the correct code for this bonus is on your application and as you have met the necessary qualifications; please allow the proper time to receive your bonus which is 45 days from the date you met the qualifications." The 10th debit card purchase was done on 04/6/2017 and this fulfilled the requirement to get the bonus.

Over 45 days went by and still no bonus in my account. Now they claimed Wells Fargo cannot pay a promotional bonus to a customer without a certified tax ID number (W-9) to which I had already mailed in to them. They had me send it in the second time and finally said they received it, but they never paid the bonus. Wells Fargo is the most crooked bank out there and I would advise anyone to stay away from this unethical business.

I have banked with Wachovia/then Wells Fargo for over 30 years, including my home mortgage. My experiences with WF have unfortunately become more and more like this over the years. It's not only the principle of the issue (reneging on an approved offer) but the unhelpful manner of the customer service reps that has me steaming. This one may be the last straw and I will consider changing banks. It's just not worth the hassle or the lack of care about the consumer.

They did not care if company's check would start bouncing, or if something happened to me and the money would get lost. They just don't care. Bottom line, it is by far the worse experience I've ever had in a bank. I would not recommend this bank at all; at least not this branch. I am sure other branches are different, but this particular one is a nightmare. If you need to make any transaction, please avoid the branch on Gessner and Braeswood in Houston TX.

I was interested in banking with Wells Fargo in the future but after the way they have handled this messed up situation I will never do business with them again and I will do my best to detour business from this company to prevent people from having to deal with such uncaring and sarcastic people I have ever dealt with before. This is the most upsetting part... is people not answering the phone in that department. I have been completely ruined from this experience and like I said earlier I will never do business with Wells Fargo again.

This resulted in an overdraft fee when my Wells Fargo Visa payment went through and a late payment fee for my Wells Fargo Visa payment. I don't recall how they managed to pull this double whammy off but they did. Think it was they didn't automatically withdraw my visa payment because I was 60 cents under the amount to make the electronic payment but that was due to a ridiculous $5.00 non Wells Fargo atm fee. I recall calling the bank and they offered no help or waiver of fees. I do not recall if they raised my Visa interest rate over it (I do believe I would have remembered that though). My fix for this was to Open up a credit union account with navy federal credit union and put Wells Fargo crap behind me:) :)...

So the Wells Fargo free life was fine then sometime around the 3 quarter of 2016 I had to cash a "Wells Fargo" check made out to myself (from Wells Fargo), think it was from the sale of my house back in Texas. Anyway I went to the Wells Fargo website to locate the nearest branch location to me in Georgia. Drove an hour to nearest branch location identified by their website. When I arrived It was a Wells Fargo drive thru bank. When I finally reached the window I was finally told that this branch is for "Wells Fargo customers only" (can't cash Wells Fargo checks there?). The lady was kind enough to let me know where the nearest branch that would see me was (wasn't far maybe 2 or 3 miles).

When I arrived at the other Wells Fargo branch that would accept non Wells Fargo (lower class baggage rate citizens) I was informed that I need two forms of I.D. to cash their check made out to me by Wells Fargo? You know like a passport or social security card? This was not a personal check from a Wells Fargo account holder it was from Wells Fargo itself! Anyway the teller recognized I had a security badge from the nuclear power plant and she accepted that. She said that she has family in that works for Georgia power. So I was supposed to have a passport or a social security card yet she accepted a security badge from the nuclear power plant. Anyway check was cashed, the teller was neither rude nor courteous, that was my last experience with them.

I found out my father quit Wells Fargo in 1972 after we got back from Japan (air force brat). Apparently they closed his account with several grand in it after two years of inactivity, then made it really difficult for him to get his money back, then tried to not pay interest on his money, etc. Only problem was they never notified him that they closed his account. Didn't know about this whole story until years after my 1992 WFB experience.

Latest Wells Fargo thing I heard was yesterday an acquaintance of mine told me he left his Driver's license at Wells Fargo (yes the one that's an hour away, well maybe not the same one but just as far). Guess the Wells Fargo teller didn't give his driver license back to him last time he was at the bank. Didn't notify him that they had his driver's license, he tore his house apart looking for his driver's license.

Finally 2 days later figured out he must have left it at the Wells Fargo bank. Called Wells Fargo bank, they said they had his driver's license (no they didn't call him), he drove the hour out to Wells Fargo, then they wanted him to show a passport or social security card to get his driver's license back. So he "PHYSICALLY GRAB HIS PERSONAL driver's license out of the bank's managers Hand" and guess what Yet another previous Wells Fargo account holder is born. Forgot to mention when I got my check cashed (you know the one from "WELLS FARGO" to me, I had to put my fingerprint on it! Sailors and dogs keep off the Grass! OK Wells Fargo we get it, now its time for you to GET IT!!!

A month later I still had not heard anything and tried to call Brittany **, who no longer answers her phone. I called customer service on June 22, 2017 and was told they had no record of my documents and that I should have sent my documents to an address in Billings, Montana, to the attention of "Maintenance" (no name provided). The representative said that no one should ever send a name change request to Portland, Oregon because it is well known that only the Montana location processes name change requests. The man who told me this said his name was Steve ** and he hung up on me. No apology, no kindness, just a disapproving statement that I sent my name change request to Portland, Oregon instead of Billings, MT. I no longer live near a branch or I would go to one.

When I opened this account in 2015 I lived near a branch. I have since moved and the nearest branch is 70 miles away and according to Steve **, processes name change requests during the week only and not on the weekends. I cannot imagine having to take a day off from work to drive 140 miles to get someone in that branch to assist me. In comparison, I have another account at an out of state bank who immediately changed my name. There was no hassle at the other bank and it took them one week with a polite letter informing me that my request for a name change was complete and thanking me for my continued business.

Wells Fargo Bank is the worst bank in the U.S. and should be fined for incompetence and fraud. I would like to close my accounts but feel that I need to get my name changed first or they'll come up with an excuse as to why they cannot close my accounts and keep my money. If anyone can help me get this resolved I would be grateful. Thank you for your assistance.

Three weeks earlier, my mother asked for funds to be transferred from her savings to her investment account. She provided the bank teller a deposit slip so that they could look up her account. They withdrew money from my savings. Each time Wells screwed up, mom immediately told me of the error and gave me a check to refund me and dealt with Wells for hours at a time.

Today when I logged on to look at my account I was locked out. Wells Locked it due to fraud (On their part) and I cannot use my bank account until Monday when I speak to someone in Customer Care. I keep a $0 balance on all my Credit cards and pay them off each month. Today, I want to take my dad out to lunch, instead of using my ATM card for lunch or fill my gas tank, I have to use my Visa Card. I cannot even withdraw funds from an ATM until I speak with customer care. This is ridiculous and actionable in my opinion. I notified the FTC and filed a complaint, but I am not confident that they will even have time to look at my concern based on all of the other fraudulent activity that Wells is committing on the consumers these days. Mark my words, Wells will be fined, and the CEO will step down with a Golden Parachute, as will a number of his lieutenants, and some staffer will go to jail.

If it was a check that needed to be clear, I understand, but this was not a check, but cash. It was several transactions, but they thought several were too many, and they put me in the spot as now I need to change over account because they closed my account. This is ridiculous that funds that were deposited as cash needed to be clear before I can apply it in the way I need it to work for me. Extremely rude customer service that victimizes the customer. Wonder how they are able to do business with such uncaring practices.

I called corporate to talk to the guy who answers the calls for the president of Wells Fargo. I explain to him the issue. He informs me that because it was a subscription that's why they still paid it regardless of what I requested. I do not work at Wells Fargo. How would I know the fine print about subscriptions and the difference if I wasn't told on the call I made pertaining to the issue and was assured nothing would be paid if the funds weren't available. I could have simply changed the due date since I was told it would just decline.

Now my acct is still over drafted and no one is willing to help me. I asked the guy who takes calls from the president who else can I talk to since I told him this isn't my fault and he giggled and said, "Well who's it then?" He informed me, "I just told you. I take the calls from the president so no, you can't talk to anyone". I will tell this story on every social media platform I can. If I do end up missing my granny's services, I will look into a lawsuit. This is ridiculous that almost the agents have the same training but I penalized in a life affecting way for their errors.

Wells Fargo would try pulling out the money 3 times. So 3 times a month I was charged overdraft fees. I have tried to rectify the situation, but apparently nobody knows what is going on. I get calls 3 times a day with no message left. I am continuing to make my monthly payments, but I can't get this situation cleared up because I am wrong and they are right. I eventually closed my account which surprisingly went very smoothly. I was getting hit with the fees and I can't handle that. So I mail my payment into the Wells Fargo. I would NOT recommend this bank to my worst enemy. Horrible Horrible business. Still waiting for this to be cleared up after a year.

So I asked if the addresses and payee information was still there and she said yes. I logged in to my account and all the bill payees had been deleted along with all the payment information. I had added about 20 payees and had taken me a couple of hours adding names, addresses and account numbers. And after I added them I shredded my paper bills so I didn't have the account information any longer. I called the fraud Department again and they checked my account and they basically said, "You have no payee under your account so you will need to readd them." Mind you, I had bills that needed to be paid and I didn't have the information so I was stuck.

So I asked to speak with a manager to see if the payees could be restored and she basically said, "The only thing that I can advise you to do is to readd them." So I asked her why her department had deleted information from a customer's account, and she basically said again, "The only thing that I can advise you to do is to readd them." She refused to take responsibility for what someone in her department had done. She finally said that she could file a complaint, so I said okay and then asked for the complaint case number. She gave it to me but said that customers do not get notified and the number was only for her reference. So I asked, "Then how do I know if this issue is being addressed?" And she said, "You won't. It's internal only."

So basically they have access to delete information that customers add without consent of the customer and then hide behind their policies. If it's not illegal to delete information from customers' accounts it should be. So now I have late payments and more than likely fees and they refuse to take responsibility. Should have stayed with Chase and now I have to go back to my employer and make changes to my direct deposit. Had I known about their practices, I would have stayed away from Wells Fargo.

When they told me the reason it turns out they had mistakenly pulled information on a house that was next door to where I was building the house (my house was being built on an empty lot), never asked me for any information on my 401k savings, never asked me for the property management contracts for another property I am renting that proves I am making $800 a month on the rentals (they said that the rental markets are considered temporary even though I had proof of rental info for 2 years), and never even appraised house I was taking the loan on that I have 100% equity.

Needless to say, it was a colossal waste of time. I am still so sick about it because I have 3 bank accounts (checking, savings, property management account) with them that I will now need to close because of how incompetent they proved to be. I applied for another home equity loan from another bank 2 days later and was approved in 5 days for $75,000. Wells Fargo then came back to me realizing the mistakes and asking for more information. I told them that they were fired. Now I just got a letter from them in the mail with a brochure about how to better manage my credit. What a joke!!!

2 years later finally get discharged from BK. Called WF for title to car. WF told me they charged off my 1066 a year ago with an added amount of $30 to bring it to 1096.00 and in order to get title I have to pay that amount... They agreed they never notified me or our BK attorney about this and at this point my payoff I was told is being ignored to saying I owe that 1096.00. They also gave 3 different reasons as to where they came up with this amount that neither are accurate info... What can I do or should I do? I still have the car. If I had not of called for title I would have never known this to be going on.

Now I have to spend even more time on getting my deposit back. I have tried to contact them through the online service but they require an account number to get you to the right dept. and they don't have a dept for refunds apparently. They have the worst customer service and they really just don't care unless you owe them. If they owe you, good luck!!

Original Review: May 19, 2017

Called Wells Fargo to dispute 3 $75 charges on my account that I didn't authorize. Wells Fargo investigated and decided that my claim wasn't valid. Pretty sorry when one of the largest banks in the world will not stand behind their members. Closing my accounts with them. I will also be researching ways to refinance my home through someone else. But that will be futile because when I originally purchased my home, it wasn't through WF. But WF bought that mortgage. And when I refinanced my home to get a lower rate through another bank, they bought that one too.

Hey, it's a free for all here. Clearly I don't exist. Or something to that effect. A joke. Yes it was rude. He butted me in line but he comes from a generation that doesn't have a lot of respect for women so his problem. Well the woman behind me decided she would attack me because I guess she didn't like my joke so she starts calling me names. She says I'm mean and ugly. I said she's fat and clearly doesn't love herself very much so I understand why she's attacking me. She didn't like that very much so she kept hurling insults. By then I was at the teller trying to cash my check but the teller was an overweight woman too so SHE didn't like me and thought it'd be OK to join in on the abuse, albeit in a much more subtle way. She gives me a hard time about cashing my checks.

Here I am, trying to cash two checks totaling a couple thousand dollars from an account worth over a half a million and they want me to drive home to get my social security card. I knew it was BS but they said it was their policy. Uh huh. OK. So I played the game and jumped through the hoop and left to retrieve my SS card. After of course yet more insults hurled at me by the overweight customer dealing with the overweight manager. I told her she smelled like cabbage and left.

When I returned 20 mins later I see the manager, the teller, the earring boy, and two more tellers. They're all in a huddle gossiping and snickering at me. I ask them to share the joke. What's so funny? They disperse. While I'm waiting an inordinately long period of time for MY money, I ask if the tellers know the policy on allowing a customer to abuse another customer. They know the policy on a customer getting their own money out of their own account. They knew that well enough to make me drive home for my social security card. (Who carries their social security card with them?) But funnily enough, they hadn't a clue about the customer abusing customer policy.

I asked for the manager's name. She wouldn't give it to me. I took a picture of her name tag with my phone. She got upset and demanded I take it off. I did and wrote her name down. Her name is **. Her parting words to me? "Don't ever come back to MY branch again". Yep. Apparently ** OWNS a Wells Fargo branch. Did you know that? And what SHE says goes. Perhaps I should sue her personally then?? MURRAYHILL MARKETPLACE (aka ** place), 14725 SW TEAL BLVD, BEAVERTON, OR 97007. Tel: 503-579-2902.

So let me get this straight. I can't get MY own money out of MY own account? And managers don't have to share their names? Why the name tags then? WHY when the check has MY name on it as both the recipient and the payer, do I get hassled cashing it? What will they do when I want to cash a 30k check, as is my right? Shall I inform the country that they too can't get their own money out of their own accounts? Shall I share with the world how I was treated today? I'm a journalist after all. I CAN do this. With the PR problems Wells Fargo is already facing, I can't imagine yet more bad press would serve them well. Maybe Wells Fargo should just stick to the raping and pillaging of Mother Earth business and leave customer service to the ethical banks?? What do YOU think? One angry sarcastic ex-customer who LOVES to write.

This should not be allowed to happen, there are Laws and rules, dont they apply to this bank? The worse is I tried to ring the banks from DK but I reach a dead end because, as I see it, they seem guilty. Instead of getting at the bottom of the problem, they refused to help me. I do not understand. There is no email address or complaint office I can write to. As if they do not have enough scandal on their plates, they treat my sister, their customer like dirt. The funny thing is, they have loads of information on their homepage to recruit new customers but none where I can send a written complain. I wonder how they take care of the customers they already have.

Even if you physically go into the bank and sit with a banker they require 24 hours to close an account. They refuse to put any kinds of blocks or holds on future transactions, even when telling you the account has been closed. I also believe they overdraft accounts on purpose even when you go into the bank before the end of the day to rectify a negative balance. They say they give you until four that day, but I highly doubt that to be the case. Their customer support is rude. It offers no resolution. They don't even advise you of options. The answer to everything is "we can't do that". Anyways, never ever open an account with them unless you want your account to be open forever. I promise you'll regret it.

They got caught once for being sneaky, they should be shut down. Now it's happening to my daughter who is away in college. If you look at your account balance that should be correct if money is subtracted from your account. I don't care if sits in pending for a month. There is no reason you should get overdraft and especially if you never ask for it. Please stop this bank!!!

Mr. ** was unable to determine assurance for my ability to repay the loan, I have an income of $168,000, a house value of $648.000 and $70.000 in my bank account and another 71.000 on my 401 plan. I have not credit card bill. Are you kidding me. Anyway meanwhile I went to TD Bank and I got approved within 3 days. Wells Fargo worse bank EVER!!!!

In the meantime, Wells Fargo has given me non-information, misinformation, conflicting information, a huge runaround, put me on hold for longer than they've spent on the phone with me, and a lot of attitude. "Those funds are with the state of Oregon." "Actually, I have a representative from the state of Oregon on the phone with me, and she is flatly denying everything you say." "You need to provide certain information (the amount on the report issued sending the shares to the State). "How do I get that information?" "You need to submit a request for a line-item report."

I send in the request. Do I get what I asked for? No, I get two invitations to open a new account with WF. Uh, no thanks. Wait, here's another letter! "You need to send a $35 research fee to have your request answered." This sounds to me like extortion, but the stocks total thousands of dollars (and would have totaled more, given the bull run that's going on, if WF hadn't sent them into limbo!) so I send in the check. "That information we told you that you needed to get from a line item report? It isn't part of the line item report. Oh, but we cashed your check for $35 anyway." Well, what???

WF customer disservice rep refuses to tell me what's going on, where my stocks are, when I can get them back, tells me I'm just going to have to wait for WF to give up the stocks it's been sitting on for over three months now, saying only, "I've answered your question." I point out that she hasn't; she hangs up. Thanks for nothing, Pamelita. When this nightmare is over, I will not only close my account with these lying and rude incompetents, I am going to encourage all my family members to do the same. Final word? Stay as far away from Wells Fargo as you can get.

After the 6 month period ended, I called Wells Fargo to explain my situation. They basically said that there's nothing they could do and that I'll have to pay a very high interest rate since I didn't pay it off in 6 months. Now I'm paying $180 in interest along with the monthly payment. I have to fight them each month on charging ridiculous fees to my account. This loan has dropped my credit score from 750 to 580. Basically this loan has ruined me financially. I would warn anyone who plans to do business with Wells Fargo to go to any bank other than them. This was absolutely the worst mistake I've made.

This Man tells me, "Wait until tomorrow around 1:00 and check to see if it's there or for more fees." Is he kidding me? More fees? Are you calling me a liar! That's a slap in my face and then he keeps cutting me off like he doesn't want to hear it... and continues to say I can file a complaint if it's not there. I've been with them long enough and I am done! This has got to be the worstest. All they do is maximize their chances to steal from its customers using overdrafts. And if you're not careful, you can be a victim too. I'm switching and closing after this gets taken care of. I'm so disappointed with them. I'll never trust them with "my money" again.

The person signing us up for the account also asked us if we wanted a savings account with the bank as well, but we declined several times due to already having a savings account with a much higher interest rate elsewhere. He ended up signing us up for one anyways without our knowledge, and even setting up $25 a month automatic deposits from our linked checking account. We closed the account as soon as we could. We deposited a cashiers check from our previous bank into the checking account for the opening in the amount of $1700 and they placed a hold on it for 14 days, even though it was from another national bank.

Six months passed and I contacted Wells Fargo to try and get our account upgraded like we were told we could do. They told me that they have no control on upgrading accounts and that it is done automatically after a year. A year passed and I contacted them again. We were told that it would be upgraded automatically sometime after a year, not exactly at a year and that they again had no control over it. We have been lied to by representatives at this company on several different levels regarding just about every single question we asked from when we signed up for the account to now. I will be closing the account next week.

I then called back to Wells Fargo and spoke to another supervisor who said if I opened a checking account (which took 30 minutes, but she did on the phone) I would be able to transfer funds. So I went back online and sure enough there are both accounts... so I attempted to transfer money INTERNALLY from one Wells Fargo account to the other... and guess what!!! I still can't transfer from the original account to the new checking account. Got another supervisor on the phone and asked if they could just manually do the transfer. NO!! I was told to go to my local branch, 30 miles away, and make the withdrawal in person. I will do exactly that on Monday when I close the account.

I have already stopped automatic deposits to this horrible institution. I have never experienced an issue with any bank trying to get my own money. HORRIBLE BANK! I will do everything in my power to warn people about their lies and practices, as they need to be investigated by the banking commission. When you see hundreds of complaints on the internet it should be warning enough.

I spent hours on the phone being transferred, “You need to speak to someone in the mortgage department”, “You need to speak to someone in escrow”, “You need to speak to someone in insurance" over and over. The right hand doesn't know what the left is doing. DON'T use Wells Fargo. They are horrible...and this coming from someone that has had two mortgages from Bank of America. I would actually rather be back with B of A.

She deleted this right after I showed her the copy I made of my online account. I am sending the copy. Why do you not give deposit receipts? You have to ask for one and no other bank does this! Other banks just give you a receipt! This leaves a deposit open to theft by employees. Why can statement records be changed by employees leaving no employee number or signature. This leaves customers open to theft.

I will see the District Attorney about this theft which I know was by Jill ** at the Tannehill bank branch of Bessemer. You need to put a stop to these loopholes in your computer records I mentioned above. I absolutely will not stop pursuing this matter until I get my $400 of hard earned money returned. As I stated the computer records of my deposit were erased by Jill **.

I called Wells Fargo to lodged the complain but to my surprise the so called supervisor could not even listen to me well. He could not even answer my question why has my credit score falls, but instead he was screaming at me and been racist because he saw my names and hear my accent so he believes he can just talk to me anyhow. This so called supervisor lack the qualities of leadership but I am not surprise with this because I think that's how 99% of their staff addresses customers especially those in their top management levels. I will never bank Wells Fargo again because I want to bank with a bank that will have my interest as number one, that respect me as a customer and not having me do business with as a source of them to be ripping me off.

One year later I still dont have IRA's invested in anything (during the biggest run up in the market in 20 years Ive made 36 cents on $10k). Set up this years IRA online at another bank, took 4 minutes. Needless to say Ive just closed my brokerage account with Wells Fargo (with a $95 fee of course) and will invest in the other bank. Oddly closing the account was a breeze. Best part of the whole process.

I have had trouble in the past with Wells Fargo bank. I had to close accounts that belong to my first wife who died of cancer in 2009. All the banks I went to I had no problems with the paperwork. I had everything in order. I was able to close the accounts until I went to Wells Fargo. They had me fill out a form and they told me if this form was filled out wrong I would have to go in front of a judge in order to close these accounts. I called my attorney. She told me what to put on the form so I went back into Wells Fargo. They would not close the accounts. Told me I had to go to court. I told them "well you get to call my attorney and tell her what's going on immediately." When they found out I had an attorney they released all the accounts and couldn't be more helpful. I'm getting to see a real pattern dealing with Wells Fargo bank. If you're ** no problem. If you're brown or ** you better have extra ID available or an attorney.

I went to pump gas today, and swiped my debit card as credit as I've done a thousand times. An error popped up telling me to "Please See the Cashier". Ok fine, no problem. I go inside to pay, and he tells me that my transaction cannot be processed. Alright, a little weird. Finally I try the ATM and get the same message, "Cannot Process this Transaction". It did not say that my transaction was declined, or that I had insufficient funds.

At this point I call Wells Fargo because my car needs gas and I need to get to work. I spoke with a customer service rep and her supervisor. I can without a doubt state that I have never had a worse experience in my life. I never write complaints, and I hardly ever care if a customer service rep is short or rude. I understand it's probably not a great job, and they deal with all sorts of people everyday.

Bottom line is that Wells Fargo closed my debit card without sending me ANY correspondence. I did not receive a letter, email, or inbox message. Although they closed my active debit card, the woman said my checking account was operating as normal. I found it extremely odd that my debit card would be closed, but my checking account left open.

I pressed her for more information, explaining that I don't carry a credit card, and that my debit card is the only way I can access my account. I live in MA and the closest Wells Fargo branch is 85 miles away in central CT. She told me that she understood how frustrating and stressful the situation was, but unfortunately she does not have the ability to re-activate a card that has been closed. When I asked why my card was closed, she told me that she did not have that information, and that I would have to go to my nearest branch to find out.

At this point I was doing all that I could to not scream. It's 630PM EST, I have no gas in my car, my debit card has been closed without my knowledge, and the closest branch is not only 85 miles away, but of course closed for the evening. I explain how unsatisfactory and unacceptable the situation is, and her best solution was for me to ask a friend for money in the meantime. I told her that the solution was not an acceptable one. "I have money. In your bank. That you are not letting me access. Please fix it." We kept going around and around until I ask for her supervisor. She assures me that he will tell me the same thing, but I insist. As soon as he picked up the line, I could tell that nothing was going to be fixed. He was aggressive, rude, and maintained a complete lack of empathy and understanding of the situation.

I asked him how my debit card could be closed without any notification from Wells Fargo, and why it could not be re-activated over the phone. He told me that in fact, I had been notified in the deposit account agreement paperwork that I had signed God knows when. He then goes onto explain that he has given me plenty of solutions, but I am refusing to accept them. Here is a brief overview of his suggested "solutions": Have a friend or family member loan me money. Go to my local branch and speak with a bank teller, maybe they can sort this out. Here's the best one, "YOU COULD ALWAYS PAWN A TV OR XBOX."

I swear on my life that those words actually left this supervisor's mouth. I was stunned and speechless. I asked him to clarify that he had suggested that I "pawn a tv" until the situation is resolved. Not too long after that I lost my temper, swore a few times and hung up. So apparently it is my fault that Wells Fargo closed my debit card without any warning or notice, and that there is absolutely nothing that can be done over the phone. Again, I have been a customer for 25 years. I've always carried a positive balance and have never overdrawn my account. I am stuck at a gas station, unable to access MY money, and the best solution I receive is to ask a friend, or to pawn electronics. I am closing all of my accounts first thing tomorrow, and would never recommend any Wells Fargo product to anyone.

So I was told to open a case search so they can investigate what's going on. So I did and open the case. The next money I login my account now I see the same transaction said a bank originated debit transaction for $500. So I called them again and spoke to multiple people and it was very frustrating. I was not gonna give up so I told them to let me speak to the supervisor and I was able to spoke to him. His name is Aleks ** and as I spoke to him he told me that oh what happen was someone did deposit $500 in my account in March 10th and on the 30 of March someone came back with a receipt saying that money was deposit to a wrong account and the money was his/hers so since the person had a receipt they had to take the $500 out of my account and gave it back to the person.

So I told him "how can that possible for you guys to let something like that happen?" He told me "well if the person has the receipt so meaning that's their money." When he repeat that to me several time I was so shock because something like that never happen to me. So long story short, I told him "don't you guys have cameras? Why didn't you check the video on the 10th of March to make sure that was the same person came back to get the money." So he told me yeah they do have cameras but they going to check in 3 days and they will let me know what happen.

So he went and put back my $500 into my account and told me that after they check both videos they might have to take the money back if it's the same person who came back to get the money. I was like "why can you check it now so I can know if I have to make my friend pay me back or not." I was told no they can't tell me who they saw in those videos because they have the right to protect the person privacy. So I was told that they going to call me on Monday the 3rd of April but I never receive a called from them. So I decided to call them from a number Aleks gave me. I called 10 times nobody answer the phone. The number they gave me was 888-361-2807. I need to know what to do because these people are now trying to find ways to take people money. Not to mention I'm a pregnant woman working at night from 6:30 pm to 7 am so I work hard for my money. I can't let them get away with it.

I tried 30 times in one day to add a new recipient to my account to be able to send a wire transfer and their website would not allow me to add anyone. If you need access to your money find another bank as you will be ready to commit suicide after speaking the employees at this bank and that goes for every branch. The only language they train them to say is "I am sorry but that is our policy. I cannot help you." This bank sucks... I need medication after every encounter I have with the employees of this bank.

My daughter and her friend who did the exchange at the bank noticed something wrong in that exchange. Coming home my daughter handed me the receipt and asked me if they were right on suspecting that the exchange was not right. Very quickly I rounded up in my head the 105.65 yen to a plain 100 and multiplied it with 542 dollars and it resulted in 54,200 yen, instead of 53.000 yen, which the bank paid for that amount. Did the same thing with the Korean (won) and there was a shortage as well.

Because my daughter went to Asia, I went to Wells Fargo bank and asked to speak with the manager. A young woman came and she introduced herself as one of the two managers at that bank. I told her that the currency exchange was not correct and she told me to go to the very person which did the exchange and she will explain me the situation. Because both exchanges were incorrect I suspected intentional manipulation rather than a simple mistake. Therefore I wanted the problem to be solved by the manager. I was not prepared properly for that debate, because it was my impression that the bank will see the "mistake" immediately and will give me the refund.

Instead, after a young man came with a calculator and by using the numbers on the receipt, he kept coming with the same numbers as they were on the receipt. In vain I tried to explain that by simply rounding the numbers up the math does not match, because they kept coming with the same thing. It was clear to me that a much more detailed information was needed and I didn't have it. I counted on the intelligence of the people at the bank who are supposed to be really good with numbers to get what I noticed on the first glance.

Realizing that either they didn't get it, or intentionally they tried to fool me, I told the manager that I will have this mathematical mess on internet and then I will come back. Here are the proper numbers: My daughter gave teller $542.75 to exchange for yen. Exchange rate that day (11-9-16) was 1 US dollar = 105.65 yen. She received 53.000 yen. $542.75 x 105.65 yen = 57,341.54 yen, not 53.000. A shortage of 4,341.54 yen which = $41.09 US. SAME DATE. SAME BANK. My daughter gave teller $ 99.97 to exchange for S. Korean won. Exchange rate that day (11-9-16) was 1 US dollar = 1,157.10 won. My daughter received 107,000 won. $99.97 x 1,157.10 = 115,675.28 won, not 107,000 won. A shortage of 8,675.28 won which = $7.50 US.

My daughter and her friend are college graduated and they noticed something wrong. I am exchanging foreign currency often and very used to such trades and can make very quickly calculations in my head. Yet this currency exchange which is the simplest thing there is in normal situations, was so complicated by the bank that it took me a lot of work to come up with the right numbers and I have to go the second time 20 miles distance to the bank in order to get the money which the bank swindled my daughter of. I didn't go to the bank yet, but I'm sure the bank manager cannot possibly be that stupid to deny the "mistake".

I don't know if the exchange girl did the swindling, or Wells Fargo bank. I tend to believe it was the bank, because the exchange rate numbers used, are such as not to be understood at all. I assume the exchange numbers are given daily by the bank headquarters, and the exchange currency people use the numbers as they receive them. Also the "mistakes" on both yen and won are about 8% in favor of the bank which I assume is automatically calculated to make the job easier for those who come up with the numbers.

If it took all this time and frustration for people like me and my daughter who are experienced in such situations, to figure this "mistake", what is the chance that some Mexicans, or third world country people (who are by far the majority who do such exchange) to detect the manipulation? And if they do, the only thing the bank has to do is return the "mistaken" amount. I think an investigation in this field may reveal millions of dollars being swindled by the bank.

Then representatives of OTI came in on Friday, March 31st, 2017. He attempted to open a business and savings account, which we did not request and, avoiding the very reason we came into the branch, which was to exchange legal tender (promissory note). We explained our intent and he then referred us to another Banking institution of Wells Fargo to speak with someone who dealt with our particular financial needs. We then, met with the Personal Banker's, referral and then he explained that they do honor promissory notes as legal tender, negotiable instruments. He said we can't use our promissory note but Wells Fargo creates their own promissory note. We were then directed to corporate at Wells fargo.

Several other calls were made to the corporate offices in California, one in Southeastern and the other in San Francisco, in attempts to exercise our rights regarding the promissory note according to the UCC law which is under the Federal Reserves and Maritime Law. [Admiralty law or maritime law is a distinct body of law that governs maritime questions and offenses. It is a body of both domestic law governing maritime activities, and private international law governing the relationships between private entities that operate vessels on the oceans].

There were 2 of the 3 callers that were very rude and unprofessional and absolutely hateful and mean, when asked questions regarding their position and if we could speak to someone else in a higher position. We got blown off and talked to as brutes, just overall violated our constitutional and civil rights and turned away without the anticipated services rendered that are due us. The corporate office representatives told us they don't do promissory notes but two branch manager told us they do them and have done them.

We have an actual recording of the conversation with one of the managers telling us that he has done several promissory notes and that Wells Fargo create their own (PN) on a certain type of paper. While on the phone with the corporate office representative of Wells Fargo, a call was made to the person we spoke to and we were informed by the corporate office representative, that the manager at the bank said he didn't tell us they do promissory note, it was a misunderstanding.

I called Wells Fargo again to see what the problem is and was told by the customer service rep that my electrician isn't on the list and hasn't been for more than a year. However, I received a new Wells Fargo card 3 months ago with the electrician's company name printed on the card right under the Wells Fargo name. Apparently, the vendor list is very short. Bottom line is, Don't get this card, it's useless and customer service reps are rude, untrained, and don't care. I'm very unhappy with Wells Fargo and would leave negative stars if I could.

So this year after spending 14000 in the house for repairs that the tenant tore up we called and applied for a short sale, they approved the amount. The loan was up to date and they sent a letter saying the leftover amount would be forgiven. Well the house closed and 2 weeks later I signed on and seen they closed both of my credit card accounts and my wife's one also. My one was 0 Balance and our other 2 was current. I called and was told that it was because of mismanagement of account #. Which is the mortgage account that was forgiven. 2 days later our reward points that we had was removed with a message that said we can still make payments. We now have seen that they dropped our credit scores by 80 points each, mine was 768.

Yesterday I had absolutely had nothing in the account prior to my check entering the account today. They allowed an illegal debit from DirecTV (which we canceled 2 months ago) of $160 to apply to an empty account leaving the account at -160.xx then added the $35 overdraft fee there. I called and entered a dispute regarding the illegal debit, and after calling back twice was offered the option of putting a stop payment on the amount that both stole out of my account. I also followed up with DirecTV regarding the illegal debit. Now since I have a stop payment being looked through their department I have to wait to close any and all accounts. I am absolutely done with Wells Fargo.

NEW. I am performing a job for a large corporation that uses Wells Fargo. They were to pay me a $18,000 deposit for the job with a ACH direct deposit. The job invoice total was to be $58,000. I am 3/4 way thru the job and the deposit still hasn't hit my account. My customer has tried three times now to get the monies transferred using their Wells Fargo account with no luck... I have just ordered my crews to stop the work and remove all the equipment. Because my company deals with proprietary chemical engineering and formulas for cleaning this customer's equipment, they will have to still pay me for services rendered and then try and find another company that specializes in what we do.

This Wells Fargo failure is going to cost them not only double the cost to complete the service but now they cannot bring their unit back online on time, costing them $220,00 per day. All this loss over Wells Fargo wanting to earn a couple days interest on $18,000. Hopefully this company who is worldwide will close their Wells Fargo account or at least get them to change their money hold scam policy.

Did you know?? Wells Fargo destroys all of their documents on your banking account after 7 years? Convenient for them right? But what about the customer? NOT ONLY DO THEY STEAL YOUR HARD-EARNED MONEY, when you have a credit card they charge you OUTRAGEOUS interest rates. Had a credit card since 2008, paid it off 5 times or more. Went from a $1,200 credit limit to $12,000 credit limit but they refused to lower the interest rate from 19.55%... ALMOST 20% interest rate!!! Ridiculous. Paid off my card again and canceled it. As soon as I get my direct deposits transferred into my credit union I will be canceling my business with them altogether. ** you Wells Fargo!!! You're crooks, thieves, and a horrible place to do business.

Wells Fargo also put a restriction on my Equity Loan. I am paying over what I have to pay and only owed $60,000 out of $100,000. They are working against me the whole way. Also they are keeping $10,000 of the money that insurance company has given me. I had put it right away on the Equity Loan until we settled and I could get the house fixed. I have been with them for many years back when they were Wachovia and have always been a good customer, no bad checks or any bad things and this is how they treated me.

Lo and behold three months later my account ends up in the negative from 800 because of her overdraft fees that were adding up from auto payments that she had put a stop to months ago!!! Now I'm stuck no food no gas because this scummy bank decides to take all the money out of my account and pay the overdrafts that were time and time again told to STOP PAYMENT!!! Now they say 5 days to get my money back??? Nice job Wells Fargo!! Take the money from someone else's acct immediately and then sit on it for 5 days!!! I will never EVER use your bank again. Better off with a prepaid credit card to direct deposit!! At least they are up front about screwing you over you slimy reprehensible crooks!!!

I had issues some when I'd do deposits for a company I did the deposits for. The bank tellers would always ask me to open an account for me personally, and they'd ask me to other questions (this was prior to before I had an account Wells Fargo). I had also known various people who'd come to Wells Fargo to cash checks and the bank would treat you like a criminal to do just that and then charge you a fee for cashing them, which I found ridiculous. I also had a teller whom I knew personally that would not allow me to deposit a check for my family's business into their account because I didn't know the account numbers and everybody at the Wells Fargo branch where I bank knows who I am. Which is also what I found stupid, I have been in there plenty of times doing the same thing so I didn't understand why it'd be an issue. I was depositing not taking money out or anything. They turned me down and refused me.

Getting to the nitty-gritty of things, the tellers and bankers do not care about the customers at all. The bankers who sit by the door the minute you get inside, ask you pretty much why you're there. If they know they can't make no money or do anything for you, their attitudes change and don't talk much after if at all. I have had numerous issues with Wells Fargo safe to say. Today was my last straw, I had money in my savings to cover my bills from my checking and did so. I wasn't informed of the new protection charge fee for funds from savings to go into checking. My savings should have covered it all and then I got slapped with an overdraft fee as well. I was just in the bank to put more money and wasn't informed less then an hour later via by email about all the charges, and my account wasn't overdrawn when I was in the bank and no new charges appeared.

I spent the better part of 20 minutes sorting out an issue of theirs as well. I had to switch with 3 different people and they decided to reimburse me 25% of the $50 they took from me which shouldn't have happened in the first place. It was the bank's mistake. I know I wasn't in the hole, as I was just at the bank. Very unhappy with the satisfaction of the company; the company is very disloyal and dishonest. The bank doesn't like to post transactions until days after they had occurred which throws you off as well leaving you to guess how much money you do or don't got. I will not miss the long waits at the bank to get their crude customer services and I won't miss seeing the banker asking to 20 questions for you being at the bank.

Also the charging of my money own to get used from my savings into checking. The ATM fees are outrageous as well, like it's not bad enough you get charged from the merchant of the ATM but Wells Fargo also will charge you as well since it's not a WF ATM. I have never heard of this from a bank before. The tellers are often rude as well and the branch I bank at has had issues with keeping confidentiality because of one the employees seems to tell everybody the bank's transaction. I am closing my account as soon as I can and going elsewhere. My advice to you, avoid Wells Fargo. The service is awful and there are many hidden charges in and fees hidden within.

We called and were told that it was our fault and that we were responsible for hitting a button (that does not exist) on our online account to have the bills emailed to us or else we should have been calling every month to find out when the charge finally posted. Then the "supervisor" hung up on us when we asked where this was specified online and where this button was. I think it's such poor customer service and just bad business to a) not offer to call Empire (their merchant in the first place) and get the charge put through after 3 months of us calling and then b) try to scam us by saying we didn't hit a button for online statements to be emailed to us (Edison and every other creditor emails you the bill when you choose online statements), and c) to have a supervisor hang up on you and not call you back to fully respond respectfully to the issue. I've never banked with Wells Fargo and never will.

There were no further options and it was decidedly difficult to get the phone system to patch me through to a "banker", which was one of the options that I spoke, repeated, repeated again, repeated again, screamed, screamed again, screamed again, began cussing fluently in both my current accent and my childhood accent. I was unsuccessful in getting the phone system to connect me with a real person. On the positive during the 12 minutes that I struggled with the phone system, my frustration became very palpable and while the machine could not take note of that and provide the proper assistance, I was doing an excellent impersonation of a complete lunatic and people began to step off the sidewalk and cross into the parking lot to avoid coming near me as I became progressively unhinged while trying to get the system to send me to a real person.

Now I am not sure if I had exceeded the time mandated for the phone system to decide it could not get rid of me, or if I yelled the needed allotment of foul language to reach someone alive. That first person I spoke with also had an accent. And while not the same as mine, it also would have triggered complete bewilderment from the mangled telephonic hellspawn Wells Fargo has developed to intimidate inconvenient customer out of wishing to do something related to their money.

Shockingly the person I spoke with also demanded the number of the credit card I wish to report stolen. So in a public area (which I reported to the person online), I disclose my social security number, my date of birth, my full name, my legal name, and 3 of my addresses. (That was a sticking point. I have 3 adjacent properties and for some reason Wells Fargo has latched onto one of them as my primary address and I can never remember which one because NO ONE else uses it.) Nope this is not good enough. But I do get a gracious plenty of "I'm sorry" and "I do understand" and explanations of why I need to be transferred to Timbuktu to have this card at this time turned off. End result is I become a complete harridan and end up disconnecting.

There are not words to describe my emotional state to know that my card is in the hands of who knows who, currently off on a spending adventure that I don't want it to be on, and my bank, the same bank that previously shut my card off on two separate (and equally embarrassing times) because I didn't report in with them first and get permission to travel (in country to places I have been to before) to do so, doesn't feel motivated to respond. I am beyond livid.

I have had this account for 20 years through various banks as they've preyed on each other like cannibalistic piranhas and in no previous incarnation was a bank so vile, unresponsive, and abrasive. And that's not the staff. The staff is very polite. It must be a stressful, tiring job. It's the policies and the procedures. It's the little things, like when that ice storm came through last year that immobilized the area and I was stuck and my card wouldn't swipe. The human I spoke with understood that I needed my card to work. We discussed at length that I needed the card to work for one last transaction so I could get home before she issued me a new card. She assured me she did.

Unfortunately, that's not how it worked out and I was stuck beside the road until a complete stranger picked me up and my infant child and gave us a ride home. (Just think how much worse this story could have gone!! Thank you Wells Fargo for letting me know that in an ice storm and you've wrecked your vehicle, while you might not be able to count on the people you've had a lengthy business relationship with, you can learn that not all strangers are murdering psychopaths. I'll write Forensic Files and let them know too.) I closed all accounts with Wells Fargo except my checking account over that nonsense. Today, I learned I was foolish. I should have closed all accounts. I will remedy that Monday at 9:00 am.

We have 8 days left till our insurance company cancels. I plan on double paying if it comes to it, and then suing Wells for the escrow surplus if it comes to it. My top agenda at this point is to break up that escrow because the last thing I need is them screwing up our taxes too. I knew I was dealing with an unethical company; my point with this post is you can be 100% responsible and still suffer with these people. Every time I call it's another 800 number. I actually had an agent leave me her direct number with not enough digits in it. I tried every permutation for what I thought might be the missing digit but they were all spam numbers. I really wish there could be a class action lawsuit over this.

At great inconvenience to me, I have avoided using their website as it supposedly waives your right to class action lawsuit, and understanding the lack of ethics the company operates with I knew I could not ever trust this company with that kind of power. All I want to do is raise my kids and just live my life, and instead I have to track these leeches and all their lies. They're dreadful people. I have to restrain the urge to spit at the actual people working in the banks. I despise this company and everything they stand for so much. The only perk is I can call in and vent without remorse at whatever parasite is on the other end; usually you'd feel bad but knowing it's their job to lie and steal day in day out, it helps. I plan to continue to call in every day even if this issue is resolved just to raise as much hell as I possibly can. God knows I can't afford therapy banking with them.

From the very beginning I have had nothing but bad experiences with the company. I may not keep thousands of dollars on hand and in my account but nevertheless I'm a customer! Nearly every few weeks over the past year, I have been keeping up with what is spent etc. And somehow I always manage to end up negative by a ridiculous dollar amount. But the past 6 months have been beyond horrible with this bank. But most recently I was attempting to transfer money from one bank to another (I opened an acct at BB&T so I could get away from Wells Fargo). I transferred 200 from WF to BB&T. This would have left me 50.00 in my WF acct in case any random charges went through. Because WF is really good at charging me at random weeks after I have used my card at a certain place the charge somehow goes through days or weeks later. So after making the 200.00 transfer I woke up the next morning to find my Wells Fargo acct negative 70 bucks. So I in turn transfer 80 bucks back from BB&T.

I realize that the 200 was deducted from WF but not deposited to BB&T and that I wouldn't have the 200 until 3-4 business days. So I call online customer service, asked the associate to cancel the 200 transfer and the 80 transfer. She says okay and the 200 bucks goes back to WF. 3-4 days later I realize 80 bucks was deducted from my BB&T account and was "PENDING" DEPOSIT at WF. Here I am 2 weeks later and I'm being told the associate didn't cancel the 80 dollar transfer and WF doesn't know why nor do they know where my 80 dollars is. Then after being hung up on probably 6 times and each time calling back to RE-EXPLAIN my story, I get a "supervisor". I say that with as little emphasis as possible because she did NOTHING TO HELP ME.

All she told me was she sees everything I'm relaying to her, however before I can have my 80 WELLS FARGO has to "research" the info. I am beyond belief that I have to sit and wait for this company to decide when or if I can have MY MONEY. I see the ball was dropped multiple times on this one issue alone. Not to mention every other bad experience I have had with them. I am beyond exhausted with this bank. I am a single mother of four who had to borrow money to feed my children. Does anyone at Wells Fargo know how embarrassing it is to beg and borrow money when you had the money to feed your children but couldn't because an employee didn't know how to do their job. I would rather burn my money in the fireplace than to deposit another dime into WELLS FARGO.

I sent proof of income, and a lot more documentation. I contacted Wells Fargo on Monday, January 31, 2017 to ask if we were going to be funded or not because we paid Wells Fargo $600.00 for an appraisal which was going to be done on February 4, 2017. I explained that it wouldn't be very financially responsible of me to allow the appraisal to be performed if we weren't going to be approved for the loan resulting in us losing our $600.00. I was told on the day I called (January 31, 2017) that they see nothing that was going to stop the approval and since I have a commitment letter that all should be good. So, of course, we were happy.

So today, February 2, 2017, I received a phone call telling me that I wasn't going to be approved due to "my cash deposits not matching up to my cash withdrawals last year", (I had more money deposited that I had withdrawn) "we will be unable to use your account funds per FHA cash on hand guidelines" BUT I have the option to have a family member "gift" me $5,200.00 from an account that they can verify funds from. In other words, I would have to ask a family member to GIVE me $5,200.00 and send Wells Fargo two years of their bank accounts. Keep in mind, I have proof of enough money in my bank to close escrow and to pay the down payment, I didn't get an answer what they needed the extra $5,200.00 for and how many people have family that would GIVE them that kind of money.

I asked quite a few times for a list of required paperwork, we couldn't get a straight answer. I spent a lot of time, money, paper, ink, etc on this and in my opinion, Wells Fargo wasn't going to approve it right from the beginning. We spent money for a house inspection, notary services, termite inspection and for a credit check which we won't be able to recoup. We lost our own money, and we spent lot of time on this and we won't be able to get any of it back.

When I relocated I thought it would be simplest to stay with WF - bad decision. The papers were late and wrong getting to closing, and they'd set up escrow. "No problem. Go ahead and sign and we'll fix it." Ha! They wouldn't remove the escrow until a year passed and then only if I was a very good little customer. In late December I got a call from my insurance company that the bill they sent to WF was returned as undeliverable - and what is the new address. Thank you Amica for contacting me, and shame on you Wells Fargo for trying to be slimy yet again. They had already put the QBE ball in motion and knew how much extra I would have to fund in the escrow to pay for it. I did manage to get the escrow account closed but have yet to see the distribution of those escrow funds. If you go with Wells Fargo for your mortgage - be kind to yourself and stay away from the escrow.

I was informed yesterday that they were closing the complaint and not recovering the money to resolve this problem. They offered to do a three way call for me to request a refund which I refused since I had already contacted the bank as instructed by them since it is now the 27th of Jan and since there is a credit on my acct I would just leave it for the new bill. But in the meantime we were getting collections from the bank for the acct being overdrawn. When I called this am there were 8 message in my bank inbox but the time I finished the call it had been deleted to 6 with the 1/3/17 information being deleted.

Direct deposits will hit your account 1-2 days earlier than another bank. A big plus is say I have 34.67 left in my account and I accidentally spend 35 my account will be in the negative and I won't be able to use it till it is positive again but I won't get hit with an NSF charge and have numerous things go through to rack up more NSF fees. Plus there are no fees. My wife thought if she called up our WF in the morning and saw we had 300 dollars left in the account. Wrong because after too many NSF charges I download a checkbook register app to keep track of my account.

Now I have to be a detective to keep track of the shady ** that WF does. Example, our cell phones were due on the 11th which we paid to keep phone service. WF didn't even show it as a pending transaction or deducted the money we spent on the phones till 1 week later. So if you look at our balance we had what was actually left plus the money for the phone which was already spent.

This week I discovered some more shady stuff WF does. Last weekend I rented some videos from Amazon for my daughters. And both of them were on the pending transactions for a few days but then suddenly one of the videos and a magazine I bought disappeared of the pending transactions until they cleared a few days later. This where the detective work came in pulling my hair out to find out why my balance and WF was different.

Finally I had scheduled an online bill payment I forgot about on the same day my wife's pay direct deposit was scheduled. The bill payment put us in the hole for maybe 2 minutes because WF runs all their transactions about 4 in the morning but they must run payments first then credits so they can ** their customers over and get over and get their NSF fee. Now that I know what they are doing they will never get another NSF fee from me again. I hope this helps other people and as soon as my credit is good enough to move banks I will ditch WF.

Rewind to Thursday January 12, I received an email from my credit monitoring service saying that there was a change in one of my accounts. I logged in to the credit monitoring service and discovered that Wells Fargo had changed my account. I logged in to Wells Fargo and found out that the original account was closed and a new one opened. I called Wells Fargo and asked about it. I then asked them why, on January 9 when I received the monthly bill for February it had the original account number on it, and what would happen if I mailed the bill paying it with the closed account number? They said that nothing would happen because they knew about the new account number. I asked for the new account number and received it over the phone and was given the instructions on how to find the new account numbers on their website. I asked for a new bill with the correct account number. Did I get it. No.

Saturday January 21 I did my normal on-line banking paying bills and such. Paid the Wells Fargo bill due February 2 with the new account number. A few hours later I was surfing the net and checked my email. There it was another email from the credit monitoring service saying an account had changed. I logged into Wells Fargo and there it was, the new account was closed and another opened with a new account number. Here is the new scam that Wells Fargo is doing. Instead of opening fake accounts that people are not aware of, they are closing an old ones and opening a new ones calling it a change. Because this account is considered a Home Project Loan and has credit card comes attached to it and we all knows what happens to your credit scores when a change occurs and it not in a good way.

Called back on November 29th to finally get them to submit a dispute with the other company. Ever since then I have had no contact with them regarding my dispute, no letters, e-mails or calls. My time on the phone had been wasted throughout the past month. I called recently last week on January 10th to get status and get the claims answering machine that "there are no representatives to answer my call, please leave a message." Today I have been on the phone just letting it sit on my desk for a combined 2 hours tonight and I had to call the number on the back of my card to finally speak to a rep Kayla who just transfers me to the same claims office. The only dispute I have ever had at all and the service is truly god awful and the worst I have ever seen in my life. I could watch a movie in the time the claims department decides to pick up the phone to their so-called "appreciated customers". Will have to waste my time to follow up another night.

I TRY to check my account but it won't let me log in on my Wells Fargo online account and it tells me it's unavailable. I keep trying and finally it says I'm -3.96. How the **? And all my account summary is GONE! I call Wells Fargo and they have talk to a machine? Literally explaining my problem to a machine I keep trying to reach customer service but nothing. Took me about 30 minutes NO LIE to finally get a HOLD of someone. I tell her my situation blah blah with their stupid greeting nonsense and she keeps repeating the same thing and I tell her about the receipt I have and all of the sudden she says it's a glitch. No I do not believe that. Imagine how many people they do this and imagine getting at least 20 from 1000 people will add up. For a fact they are stealing from their customers!!! DON'T RECOMMEND AT ALL. AWFUL CUSTOMER SERVICE AS WELL AND HIDDEN FEES. AND A LOT OF "GLITCHES".

I'm furious and will be canceling my last Wells Fargo product, this card, next week. I remember opening my first checking account with them at the age of 6, and I remember the first time I got a bill for nearly $300 dollars in 'overdraft' fees due to their systems treatment of pending, settled and available balances, as a hard working 17 year old. After 20 years and many hundreds of dollars in unreasonable fees, I'm done with this unscrupulous bank. Dear Chase, you now officially have all my business and I thank you for being fair and transparent.

I can understand this, but what should be required to prove work is done and get the insurance reimbursement check back from the mortgage company after being told to mail it to them for endorsement after trying to cash it in a local Wells Fargo bank? I don't believe in using exaggerating language or generalities so I will just present the facts with how Wells Fargo Property Loss Department (hereafter WFPLD) in South Carolina handled my situation. This is a summary of a detailed letter I mailed to Wells Fargo two weeks ago and after answering an online questionnaire of "how did we do?" I waited this long to give Wells Fargo a chance to respond which they have not done.

Eleven different phone calls were made to the WFPLD over a 30+ day period. The local Wells Fargo Bank branch manager could do nothing as the WFPLD controlled all aspects of reimbursements. Why in the case of a disaster can't local reps handle this? A written contract, license, and W-9 for each and every contractor, proof of invoices, insurance adjustor report, and a 14 page checklist along with the insurance reimbursement check had to be mailed to WFPLD. I thought it would be easier with one general contractor. I can't imagine if multiple contractors were used.

Eleven phone calls-eleven representatives, and this was after dealing with the automated response system. (Press 1 for this, enter loan number, last 4 of SS, etc.). Even pressing 0 did not always work as "that response does not match our records". The automated response system would not accept loan number or last 4 of SS#. First auto response was "if you know your party's extension dial it now". I later found out there are NO extensions.

On two occasions it took over 10 minutes to find a supervisor after not getting satisfactory results from a rep. On many occasions a 3 to 6 minute on-hold was endured in order to do some reviewing. It took 26 days after the 1st phone call to receive a check covering out of pocket expenses to date. This was less than half of the total reimbursement check. This was also after two promises over a 1 and a half week period that the check would be mailed, only to find out certain documents were missing. No documents could be e-mailed in. All either fax'd from a local Wells Fargo bank or snail mailed. All faxes had a two day response period review.

Halfway through the process I called the complaint department as was told I would be assigned a case number on a return phone call within 24-48 hours. This never happened. But the following week a letter arrived stating all matters were being handled appropriately. On day 26, a third party home inspector arrived to make sure all repairs were done. This is in comparison to a local bank also listed as an endorser to handle the matter in one business day.

33 days after 1st call the remainder of the insurance reimbursement check arrived in two checks with the first listing the general contractor as an extra endorser because he was owed a final payment less than 1/3 of the total costs. The last check was money left to do outside repairs. This delayed the outside repairs (driveway and lawn), pushing them into the holiday season which interfered with out of state guest visits. Again, what if multiple contractors were used?

I will state that all reps I personally talked to in the WFPLD were never discourteous. Some were even sympathetic. It's the system that needs repair. Also I have never had trouble with Wells Fargo Mortgage Department. Wells Fargo has undergone two recent major newsworthy scandals. Some would think that they would want to make sure all existing customers would be treated with extra attention. Especially those who are close to 70 with a heart condition and trying to recover from a disaster.

I told her that I don't own a property, yet, so how could I apply for a HELOC? She told me this was a different kind of HELOC that I could apply for since I had a good amount of cash from my sale of the townhouse & even the banker she sent me to questioned it, but Vickie told him how he should be able to do it. That banker put me through that process to the point of pre-approval & then realized that I couldn't have a HELOC since I didn't own the property, yet, & that there was no special HELOC like Vickie had thought! So, he sent me back to Vickie.

Vickie finally came up with the idea of applying for a personal line of credit to pay the cash I needed to close, but I told her I was not fond of that idea as that of course was a very high interest rate, therefore, a high payment. But, Vickie told me not to worry because I could close on the property with this cash & only make the first months payment on the PLOC & then we could change that over to a HELOC. Considering the bankers at that branch didn't seem to know what they were doing, I was a bit leery in moving forward with that, but Vickie assured me this was the right way to go! So, I trusted that she knew what she was talking about this time & was approved for the PLOC. After making my first payment in Oct I went to Vickie to apply for the HELOC. And, the incompetence continued.

We started the HELOC application Oct 14th & I provided all verification they requested to my contact, Vickie, & got a call from the underwriter, Tanner, saying he still needed the verification. I told him I took hard copies to them a week ago or more & that this should have all been faxed to him by now! He contacted Vickie & found out that she was out on bereavement leave & that everything on her desk just sat there & was not forwarded to him or anyone else in her branch. He apologized & said they didn't want to lose my business so he was offering a lower rate of 2.115 % on the HELOC for the first year. So, then on Dec. 9th I'm told that they had all the info they needed & that this will be expedited & I hear nothing from anyone for over a week.

Then I get a letter, not a call, on Dec. 12th saying they are unable to offer the credit requested due my debt payments being too high relative to my income. Other than utilities my only debt is that PLOC & my income & assets, i.e., IRA & 401k are sufficient enough to cover any unforeseeable expense let alone the payments or even the ability to pay it off if need be. The incompetence at Wells Fargo appears to be critical in the Colorado Springs branch & my next step is to investigate whether they set me up in a high interest loan knowing all along that I would be locked into it for their benefit only. Had I known that this was going to happen I never would have accepted a high interest/payment personal line of credit & they knew that!

I will wait a few days before I go any further but would expect as well as appreciate a response. Considering the thousands of poor reviews out there on Wells Fargo as well as the fact that the BBB won't even accredit Wells Fargo, which I only learned of recently. I would have expected that they would taken an interest in this situation.

I got a call on Dec 14th from Tanner, the underwriter for my HELOC application, & he said that my denial letter was sent out in error & the issue was corrected, but there would still be a 1-3 month wait as they now need to do a "Condo Review" since about 50% or more of these units in my complex are rented. He said this just came up & he had no idea that this was going to be needed! Talk about putting a customer on an emotional roller coaster! But, apparently this was just Wells Fargo's way of crossing their i's & dotting their t's before they gave me a final denial letter which they knew they would be doing in advance, anyway. And, all of this not only wasted my time but enabled Wells Fargo to collect a higher payment from me even longer!

I responded to Tanner that I will wait one more month & will currently be shopping for another lender that will do this HELOC or any other program for a refinance if he cannot finish this up by January or sooner. I got an email from Tanner on Dec 16th saying he needs a copy of the master policy or the HOAs contact info to continue this condo review. I sent him everything I received from the HOA at closing as well as the HOAs name, address, & phone # in a reply email the very next morning. I then get a call from Tanner on Dec 20th saying that is not what he needed & actually needs the HOA master copy of their insurance as my copy was merely the declaration page so he now needed their contact info. I told him that the HOA contact info, in detail, was included in the email I sent him 3 days ago!

He apologized & said he failed to see that in the email I sent him but will forward that now to the people doing the condo review. This incompetence just keeps continuing & something must be done about it. I now firmly believe they are just trying to make sure they get as many high payments from me on this PLOC as possible. So, next I was going to try to get the PLOC payments at least lowered until they can complete this HELOC which is only fair, but the incompetence & cover up of their errors only continues with no remorse or care to help me get out of this high interest PLOC! I cannot believe one company can be so inept as to make so many critical errors and have them all be unintentional.

I have to say I'm embarrassed to own stock in this company & am thinking of selling it and buying something in a company I can trust. This has gone beyond an error, beyond a simple miscalculation, beyond anything reasonable. It has reached the point where trust has been breached and can be considered intentionally deceptive because a company this size cannot be that inept, you would think? I'm hoping that someone is looking into this issue as I have been more than patient & more cordial than I think anyone else in such circumstances could possibly be.

On Dec 27th I got a call from Tanner asking me to reach out to the HOAs insurance company as they left several messages with no response from them. So, I called the insurance company & left a message & followed it up with an email to that company as well at 9:18 the same morning. They responded with an email at 10:51 the same morning saying that they had only received one message from Wells Fargo the day before & that they were going to respond on this very morning, anyway. They also sent me a copy of the attachment that they sent to Wells Fargo with the needed information to ensure they did what they were asked. Then I finally got a call from Tanner the same afternoon saying that the HELOC was denied due to the investor concentration being more than 50%!

The funny thing is I had already started searching for other lenders & when I'd get an offer I would give the details of this investor concentration that I surely did not know about & apparently Wells Fargo did not know about, but all of these other lenders knew right away! Amazing! They all said that Wells Fargo should have known that this should have been reviewed right up front or at the very least early in the application process when dealing with a condo! Again, had they known this I would not have agreed to a personal loan to begin with!

So, in summary, I applied for a mortgage for the balance owed on purchasing this condo but was told after applying the amount was too small for a mortgage; I was talked into a personal loan so I could buy this condo but didn't want to do that due to high interest/payment but was assured I could turn that over to a HELOC; was denied the HELOC; was then told they put the application back in pending status to do a condo review that they didn't realize they had to do; & then finally denied, again, after that.

I cannot emphasize enough that I would never have purchased this condo had I known I would be stuck with a personal loan for the balance owed as I stated this every time I was put through another process with Wells Fargo! I as well as anyone in their right mind would have waited to find another condo knowing that there was even such a thing as a concern with investor concentration! I'm not even that ignorant & I've purchased 3 other condo/townhouses before! Wells Fargo has put me through so much anxiety as well as an emotional roller coaster due to all their errors & incompetence & I should not be stuck with this personal loan due to their lack of knowledge or just plain ignorance!

I strongly feel that there must be something Wells Fargo can do to make amends & it would have to involve at the very least a lower interest rate/payment on this personal loan I now find I was stuck with at least until I can refinance with another lender. And, to top it off the payment goes up every month for the last 4 months after my first Oct payment of $372 starting with Nov $536, Dec $564, Jan $566, & Feb $583 with no advances at all since Oct! Talk about being set up for or more precisely talked into failure. I've sent 4 emails to Wells Fargo Board of Communications giving all of the above info & the only response is a call or two to offer more excuses of why this has all happened & no acceptance that anyone at Wells Fargo is at fault for this long list of incompetence!

I have given Wells Fargo every chance to try to make some menial amends, but it appears that this company is on a rather rapid downhill slide despite how large they are. And, I have found a place that claims they can & will refinance me through a different program so I pray this is true so I can end this nightmare with Wells Fargo, but as you can see I'm not going quietly.

Don't even expect a call back in the timeframe they give you. I'm still waiting for my calls in 2 to 3 business days. I have now paid off and closed my accounts with Wells Fargo, and after 3 weeks of telling me they are processing my title, now they say they actually mailed 3 weeks ago. Which is not true, now they say it's my problem to deal with the post office cause it is the post office fault I didn't receive my title. Wells Fargo actually never had it. Now they refuse to pay for a new replacement title.

Folks if you're smart, listen to all the reviews about Wells Fargo and all the dishonest, crooked business dealings you have seen and heard in the news is true. This company is no more than a schoolyard bully. And you will get nowhere trying to hold them accountable unless you file a complaint in court. So with that said be careful and record all your phone conversations with this company. Serve them Certified mail to prove you have contacted them. And be careful how much information you give them, they will only twist and dismiss any responsibility on them back on to you. I was also told that I am not a priority and others are. Thanks Jay you're a real jerk.

Here is a few names within Wells Fargo Dealer Services Office of the President to beware of: Andrew **, Jay, Raven, Christian, Nina and many others. This office is nothing more than a low level customer service call center and have no ability to resolve any issues you may have. You need to serve James M Strother at the San Francisco CA office. I am currently awaiting Mr. James M. Strother office to contact me back in regards to my complaint, but I am not holding my breath. I will have to take further legal action and file complaints with AG office. I highly recommend for everyone dealing with Wells Fargo to changes banks. Protect yourself from this company.