Wells Fargo Reviews

The bank cannot produce any evidence that I had knowledge of, given my approval for, or that the bank had attempted in any way to contact me, or gave any sort of notice before or after issuing the credit card or adding a signer to my account. The 3rd party ran up the credit card to over $10k & withdrew over $82k from the checking account. I filed a police report, submitted claims to Wells Fargo, & had the claims escalated to their Executive Offices. Without ever contacting me or the police once during the investigation, an Exec Officer denied the claims citing it was his "belief" that I had knowledge or given my consent for the 3rd party to take the funds from my accounts.

I was sent letters from all the depts for each type of transaction & a letter from the Officer that denied the claims. In the letter from the Exec Officer, the imbecile wrote that "It is important to note: that the 3rd party is not complaining & did not contest any of the transactions". The denial letters stated the bank would provide me any information used in their decision upon request, which after numerous requests by me, the bank has not & cannot produce anything tangible used to make their decision. When submitting the claim or when calling to check the status I provided the bank with substantial evidence, all from the banks "master file" on me backing up my claim that I did not know of the credit card or the signer change made to my account, pointed out the totally changed type of transactions in the business checking from typical business transactions before, then personal type transactions (which matched the credit card's transactions) after the 3rd party was added as a signer, which only he benefited from.

I even provided a copy of the document used to add the 3rd party to my checking account, which had only been signed by the additional signer, with the lines that the account owner was supposed to sign, with my name typed in, remaining unsigned by me. The main purpose of that document is to obtain the account owner's written permission to make signer changes to the account. Per the banks standard operating procedure, which it completely ignored, the document is supposed to be signed by the account owner and the additional signer at the same time, in a branch, in front of a banker as a witness.

I requested the application & all records for the credit card & was told that it must have been done online because the bank does not have an application or anyone's signature on file for the credit card. I was informed and read from a written record the bank has in its "master file" for me information given by the 3rd party to a banker in a face-to-face meeting, but denied a copy of the record with the Exec Officer stating that "I will never receive a copy" because the bank considers it "proprietary property". I spoke to the banker who held the face-to-face meeting with the 3rd party & was told she remembered the meeting. She did not get the 3rd party's signature, & even remembers finishing & submitting the application for the 3rd party after their meeting.

I filed a claim against Wells Fargo with the govt agency that is supposed to regulate banks, the Consumer Financial Protection Bureau, and contacted my Senator, both without success. After the police submitted the investigation to the district attorney, we were informed that even though the 3rd party received my funds without my knowledge, the way he did it was "not prosecutable" as he never impersonated me, nor did he ever sign my name as the bank allowed him full access to my funds. I have more animosity and frustration with the bank than I do with the 3rd party that actually diverted my funds. IF ANYONE CAN HELP RECOVER THE LOST FUNDS FROM WELLS FARGO BANK IN ANY WAY IT WOULD BE MUCH APPRECIATED.

Now I am angry, I call the collections agency, explain my situation, they refer me to the bank, I call the same branch that "took care of it" and of course the new branch manager tells me every employee is new. So now no one has the receipt of my payment. I call the overdrawn department with Wells Fargo and the manager tells me he sees my payment but that I still owed the fees which means I still owed $259.00. So I asked him how could I have owed but they closed the account? He then told me to refer back to the branch and because it was a banker error they will have to waive the fees. Of course now the banker that originally took my payment was "let go". Now I am waiting for a call back from the second branch. I can almost guarantee I will be paying for their banker error and the money I had paid is basically counting for nothing! I HATE Wells Fargo and I think they should be shut down! Horrible customer service and horrible bankers/training!

Each time I call a C.S. representative online they provide differing information what time is the cut-off time to make a deposit: 4 pm, 9 pm. Going into a local branch is a twilight experience. You ask for a one week activity with balances after each transaction, you get a one week activity without balances after each transaction. Everyone is there but really isn't getting everything. Overworked. Overwhelmed. Just not there, if you ask me.

"On May 6, 2013, a Wells Fargo Bank teller tricked Michael 88 into unwittingly withdrawing $1200 from his wife's joint account. He states he did not receive the $1200. He did not become aware of the withdrawal of $1200 until his wife showed him the bank statement about 25 days later. He reports he did not know this withdrawal of funds with no data entry, no signature and no withdrawal slip was even possible. He asserts this e-withdrawal constitutes grand theft and not a bank teller error because she reported she was balanced at the end of her shift according to Chris **, Wells Fargo Bank vice president. This is a class action matter because of the ease by which an unsuspecting bank customer can be tricked by a teller into unwittingly withdrawing thousands of dollars in cash that the teller pockets. All this would be prevented with over the counter video cameras. Presently a teller can shield with her body view of all cash on most transactions."

I will address this in Small Claims Court September 30, 2013. On May 6, I submitted to the Wells Fargo teller a check for cashing in the amount of $ 291.87. I submitted a withdrawal slip to withdraw $8.13 from account: ** (my business checking account) and a plastic coated check to confirm this account number. I received $300 and a receipt for the $8.13 withdrawal and left the premises. When my wife reviewed the account statement for WFB account ** (our personal checking), she noticed a withdrawal of $8.13 and a second withdrawal for $1200. The next day, I went to the branch to investigate how the $1200 withdrawal came to occur from this account and why the $8.13 was taken from the wrong account. I demanded to watch the video.

The video shows the withdrawal slip, a plastic coated check I keep in my wallet to verify the account number, the check submitted for cashing and my wallet. I received $300 but no cash is visible. The video clearly proves that the money was taken from the wrong account. What I think happened to cause the $1200 to be withdrawn: Immediately prior to giving me the $300, the teller asked me to press the green button on the screen. I do this and completely unwittingly withdraw the $1200, which the teller pockets for herself.

Why the judge will believe me: 1. The $8.13 and $1200 were taken from the personal account even though the withdrawal slip and plastic-coated check clearly identified my business checking account. (The reason the teller did this is because there was zero history of e-withdrawals from the business checking account but a history of e-withdrawals from the personal checking account.)

2. On May 6, there was more than sufficient funds in both accounts to cover the $1200. When the teller decided to withdraw $8.13 from the personal account is the point when she decided to steal $1200 from me. Because I am the exclusive user of the business checking account, there was no history of e-withdrawals. This is because I never even knew about e-withdrawals. The first I heard it was possible to withdraw money this way was from Chris ** when asking about this withdrawal. I had no idea it was possible to withdraw thousands of dollars with no withdrawal slip and no signature. I never spoke with my wife regarding how she withdraws money.

3. The $8.13 and $1200 were withdrawn from the same account at the same time in separate transactions. The $8.13 by withdrawal slip and $1200 by e-withdrawal. Normal people needing $1208.13 would withdraw it in a single transaction. 4. There is no history of cash withdrawals in excess of $1000 from either account.

On October 17, I logged in to the account to find it had vanished. No trace of any of the accounts in her name. I then go immediately to the branch and am told that it was a "CID" error having to do with the POA documents not having reached the correct destination. I ask why I was not contacted in any manner regarding this issue. I am told that they are not required legally to inform me. My personal banker, Bryan **, then explains that three cashier's checks have been issued but they could take seven days to arrive. I ask which address the checks were mailed to and am told that they are going to the physical address, an address where there is no mailbox.

If in fact Wells Fargo is not "legally required" to inform a client when they are going to close an account because of an issue that results from negligence on their part, are they not obligated to clean up the mess that is left in the wake of the act? Do they feel it is appropriate to leave my mother without funds for seven days? The consequences of the bank's action is causing great inconvenience to her, her caregivers and me.

The teller acknowledged and confirmed using the ATM card to identify the account. To complete this procedure, you must focus your attention on the keypad and pin then return your attention to the teller and deposit. Upon completing the keypad and pin, the teller had the stack of $20 bills in both hands to turn around to the money counter which verified $460. I requested a manual count since this did not match the deposit slip and my known total. The teller jests that this happens "ALL the TIME". I search my money pocket for more bills because one or two bills may remain but not (5) $20 bills. So the teller initials the deposit slip and I initial the deposit slip (questionably). I search my person and office and even home. Both my wife and I counted the deposit before my morning commute. A pickpocket incident would not have removed an even $100 in $20 (5) without taking the entire roll of bills totaling $560.

I contact the complaint department for Wells Fargo which communicates an investigative report will be completed in 2-3 business days. I explicitly communicate to review the video recording for an opportunity for the teller to remove the $100 while my attention was on the keypad and pin. I express my patience waiting for the customers to complete the transactions ahead, which one requires manager assistance and the other customer repeated their transaction for correctness.

When I spoke with an HPS and I questioned her, "Do the Underwriters actually read the Hardship letters and paper work?" Because if they did, they would understand how I came to be in this financial position I am in at this time and the hardship occurred. DUH!! There was NOT a mortgage on my home when my husband passed away!! The Government is touting Banks & Mortgage companies are suppose to be helping people stay in their homes. Obviously, WF would rather take the loss on these properties, turn them into Section 8 housing rather than work with people that want to pay their obligations and stay in their homes.

I think it's time people got together and filed a Class Action Suit against WF for their unscrupulous and illegal (I think) actions!! I fully intend to contact an attorney. As of today, I will have to list my home of 35 years for Short sale and according to my Realtor, any Bank/Mortgage Company is legally obligated to work with a client to facilitate a short sale and prevent a foreclosure.

I have been with Wells Fargo for 22 years and have bought three homes through Wells Fargo and four Auto Loans all paid for.... I have over 22 years spent $950,000K with Wells Fargo. I did not owe a dime for years, just fell on hard times and this is how I was repaid for loyalty. I have now pulled all my accounts and will NEVER pay the debt ever. I am seeking a very good attorney and I going to sue Wells Fargo and win my case. Very sad, very sad this Wells Fargo and how they treat their clients, good clients, for many many years. They ruined my life and my credit and I still have not recovered the $7K... Is there no one or any bank that cares anymore? Is this what American banks have come to??? Wells Fargo Bank - S. Palm Desert, CA Collections Dept in AZ.

As an out of state property owner, I had little choice but to rely upon Kier Management's repeated (and false) claims that everything at my property was running smoothly. The fluctuations in the Wells Fargo Bank account balances seemed to coincide with repairs that Kier claimed to be making. In reality, Kier rarely made any of the repairs they charged me or paid themselves for. Wells Fargo insists that even if they had told me that these accounts had been opened illegally, it would not have alerted me to the fact that Kier Management was misappropriating funds and was in constant breach of our contract nor would it have prevented them from nearly destroying my building. WHO ARE THEY KIDDING? OF COURSE IT WOULD HAVE.

At 8:35 pm, I called CS for them to give me another number to the credit card agency which is Wells Fargo. I talked to a young man who told me that they will close my account and put my money back in by Wednesday. So I told him that it can't wait that long b/c my check will bounce. So the conversation went to his supervisor by the name Mike whose id number I do have. He said that it was my fault that the money went out of my account. Anyway now I have to wait the three days b/c it would have been $45. Okay, fine and dandy.

On the third day, I call CS to find out that my money was never posted in. It will take 30 days to be on my account. So now I am stuck with paying 980 dollars for rent. I went to my local branch where the branch mgr. was helpful and understanding. I show him the email and told how they told me to talk to my landlord about waiting for the money. He called in. They told him one to three business days that my money will be back in b/c they put it in the wrong account, only to call them back today to find out it will be seven to ten business days.

Okay, now what am I supposed to do? I am a single mother of three which we will be out on the street b/c of one simple mistake. I asked them what they can do to help. CS agent said nothing. I just have to bite the loss. I hope the CEO and the person who made that mistake in the lies that he told to sleep peacefully tonight b/c my kids and I won't. They got me looking like a liar and now a homeless mother. What am I going to tell my kids? I don't even have enough money to go to work. My heart hurts while others rejoice. Yea, it is my fault to decide to go to a bank who doesn't stand beside their mission statement. Talk about customer loyalty.

No phone call or clarification, email, notice, nothing to verify this account closure was ever sent. I found out about her plan from a concerned neighbor leaving abruptly from my office to the bank location. I walked in on the transaction during the process (while my mom was completing the account closure). The bank representative that was assisting my mother told me that the transaction was completed and account closure was already done. So yes, I was frustrated after hearing this news. I just deposited a large sum of money from online revenues a few days before to keep with normal business expenses. The lady could not answer my questions on how this account closure was legitimate and legal.

I stated to them that I was calling the authorities to file a police report... and asked again how is this legal (for My mother 50%Owner) to even process this transaction without clarification from both parties??? They would not answer me and asked me to leave due to making a scene in the lobby... So no answer again from a Wells Fargo representative face-to-face. I found that with any joint account (husband & wife; business; partnership, etc...) that without notification To ALL and/or Other Parties or Affiliates on an account closure, bank draft, or other transaction. Yet how is it governed to restrict and decide a higher than average retail purchase, ATM Withdrawal or any other transaction?

I am still trying to wrap my mind around this with handing a large sum of money over. I feel as though Wells Fargo hopes or wants the partnership to handle the matter elsewhere (in the local civil courts). But I feel as though this should have not happened in the beginning if there were more safety in regards to their client. I need help on what I should do further... I have switched (my remaining funds to another bank... Instructed all friends, family, and acquaintance as well or this matter). I have tried to file a police report and waited (1.5 hours). An officer arrives telling me this is a civil matter not a crime?

Well the past Saturday, she was not allowed to cash her check. The Manager said that her birth certificate, social security card, school ID and work picture ID were not good enough. She needed a driver’s license. My daughter does not go for her picture driver’s license ID until next month. After explaining all of this, and that she was able to cash her small checks 4 times previously - the manager said that the only way that she could cash her check is if she opened up an account right then and there.

Of course the ID that my daughter had would suffice in opening up a checking account...but was not good enough to cash her small check. The manager Kristen was very rude and matter of fact. If this is supposed to be the way that you force people into opening up banking accounts...it's not working with us. Shame on you Wells Fargo and we will NEVER have anything to do with your bank or products after how you have treated our daughter. Word spreads, and trust me...we are telling everyone we know about this experience.

When I finally received an email warning from them six days after the initial account seizure, I rushed to my local Wells Fargo branch and no one knew what to do about this situation. They had to look up what the procedure was for this situation on Google. Then they gave me a phone number to call to find out who seized my account since it was confidential information. They looked the number up on Google. It turned out to be a fax number - thanks for the help, Wells Fargo. Next because my account was seized, I couldn't deposit checks in my business account without waiting for ten business days for the funds to be available. Because there were no funds in my account I was charged a fee for not keeping sufficient funds.

Finally, after repeatedly faxing documents to the CA FTB proving I was not a resident of California the year that they were claiming taxes owed, unbeknownst to me, the CA FTB dropped their claim against me. Neither the CA FTB nor Wells Fargo informed me of this development and I continued for almost a month being afraid to put any money in my bank accounts for fear of it being seized. Because of this, I kept running up fees for not having sufficient funds in my accounts. Now thanks to a call to California Taxpayers Advocate Office, I have learned that the claim was dropped way back in August and my funds will be returned. But Wells Fargo will not return all the overdraft fees they charged me. Instead I have to sue the CA FTB to get the overdraft fees and other charges.

After seven years of being a loyal depositor at Wells Fargo, this is how I get treated in an orgy of overdraft fees, not maintaining sufficient funds fees and a charge for handing my money over to the CA FTB. Thanks, Wells Fargo you're the greatest - not!

The court block was removed the following day. The difference with the original as opposed to the amended document was the inclusion of the last four digits of each account. Per my attorney, he was not able to reach this department either. Although a disaster initially, this case is resolved.

Original Review: Aug. 24, 2013

August 23, 2013, I went to a local WF branch office with legal documentation signed by a judge. I am legal guardian of my father that includes person and property. I have been the legal custodian of my father since the passing of my mother in 2006. However, in 2012, his Veteran pension was taken from me unfairly. All of my accounting reports were exceptional. The VA decided to appoint an attorney and did not provide me with the reason why. I have kept all of my accounting reports. So they could not say it was my accounting that was in error. After reviewing the website, that was provided to me by a veteran it was apparent that I needed to gain guardianship.Because of this horror, I decided to hire an attorney to become legal guardian through the court. Since hiring my own attorney, this too has proven to be a problem. Another issue now, his monies are court blocked with Wells Fargo. The VA finally turned the monies back over to me and stated that they should never have taken the account from me, because I did no wrongdoing.

Here's my issue. The VA does not require a court order to be a legal custodian for a veteran. I got bonded for over $200,000. I informed my attorney that I no longer want my father's funds to be in restricted accounts. My father's funds have been court blocked since last year. I have not been able to provide him with his basic needs - only able to pay for his room and board. I have been paying for his expenses out of my own money. My father has enough money to provide him with his needs and to afford him the best quality of care.

With my court order signed by a judge, I visited a local WF branch. I had to sit for over thirty minutes in the lobby. Finally, I get a chance to see a banker. The banker I spoke with at the local branch was cordial. He calls the Legal Department "Court Blocked Accounts" and he was on hold for 45 minutes. No one answered the call. He informed me to leave a copy of my document and once he got in contact with someone he would call me. It was three hours later. He told me that Legal Department would not allow the unblock because the legal document did not state whether it was checking/saving, they did not have a way of knowing how the funds were distributed. I replied with, "WF legal Department is lying. All of my accounts show what was deposited and from whom and what expenses were paid whether through debit, checking or cashier's check."

This was verbal garbage from WF Legal Department "Court blocked accounts" I decided to contact them directly. I was on hold over 35 minutes and twice a rep answered and then hung up on me. The third attempt I spoke with a representative. She gives me some line that all three of my accounts have to be included, why don't I just put the money in one account. I have been doing accounting reports for my dad for seven years now and know that these funds cannot be put in the same account especially since it is required annually that I provide accounting.

The rep tells me that I can open up new accounts but I cannot carry my father's balances over. I asked her who deemed WF guardian of my father's account. How can this department overrule what a judge has put in his order. She provided me with no valid answer other than that the department had to research it and that they would be contacting the court and my attorney. That's not the worse. She had the nerve to question me what I am going to do with the funds. I was and am still appalled at her questioning me about funds that do not belong to her or WF Legal department. I asked to speak with her manager and was not provided the opportunity. I asked her what words should be stated on the document. Once again no direct answers provided. I informed her that I would be in contact with my attorney on Monday. WF Bank has been nothing but a headache.

So I went back to the bank and spoke to the representative, Erin, and his supervisor and they both told me that I have to pay for the payments that went through. They would waive the draft fees, since it was his mistake that he DID NOT close the account as he should have. I don't think I should have to pay for the payment that went through when the account should have been closed. I have the letter stating it was closed but the gentleman forgot to close it out after I left. SO now in order to close out my account I have to pay $108 for the payments that went through but the bank will waive the fees. If the account had been closed per my request, no payment should have gone through. I don't think I should have to pay this. Please advise.

After explaining to another rep. they asked me if I wanted to file a fraud case since I did not make transaction. I stated that the suspect of fraud activity was WFB! They transferred me anyways. I started to feel like I was getting the run around and again explained to a 3rd WFB rep the issue. Getting authenticated as who I was - was a joke. They were asking me trick questions which had no true answers, but got thru that mess. I felt like I was just another job to her and was another fraud case and she did nothing but insisting I file a fraud case and she was going to freeze my accounts where I would have no access to my funds. What did she care! I attempted to get details about the transaction and she couldn't tell me much unless I file a police report and get a court injunction for such details.

This is my money and my account and they could not give me details of what they were doing with my money or account! CYA if you ask me. What I did manage to find out after rewording specific questions (they volunteer no information) was that no web login activity was logged for 8-7-13 for when this on-line transaction was requested. Yet my on-line account showed this transaction and even listed a confirmation number. After stating my amazement of how such a transaction could take place with no web login - she continued to insist to close my account! I did not want to be inconvenienced with the headaches of closing my accounts (all of them) and opening new ones with her over the phone - as I need to get to my money and had outstanding transactions pending. I will go to branch in person to do this.

I have been with WFB 36 years and all I was looking for from rep was this was a bank error and correct it. But no they insist I file a fraud case and they close all my accounts. I'd rather I not do that as I suspect this is just a bank error. But if they force my hand I'll take my money elsewhere since they are going to inconvenience me. Anyone recommend a good bank? Anyone experiencing similar issues with WFB (replaying previous transactions as new transactions)?

This was not true, as I found out several months later. Although there is a grace period in which payments do continue to come out like normal, this ends eventually, and unfortunately it ended while I was abroad and had no way of knowing that my normally-scheduled payments were being returned and late fees and interest being added to my accounts. As a result I had to spend several hours of panicked Internet-chatting with a family member in my home country to get them to resolve the issues with multiple credit cards, as I did not have a phone. However, it did not end there. Not only was I charged tons of late fees and interest payments, but my credit card - the only one I was carrying - was shut down while I was abroad, my credit score plummeted, and any rewards I had accrued on any of my cards were eliminated as a result of several months in a row of the payments not going through. I and my family have spent hours on the phone with all of the companies involved trying to get these issues fixed. All of them have been wonderfully helpful - except Wells Fargo, which is responsible for the whole mess in the first place.

When I called customer service to inform them that the false information I'd been given had resulted in a series of financial headaches for me, including the demolition of my otherwise-perfect credit score, the representative was rather impatient and didn't seem to understand what Wells Fargo was supposed to do to rectify the situation. She said that there was no reimbursement that I could be given for having my credit score ruined, even though she acknowledged that Wells Fargo was at fault for the situation. I told her I wanted to speak to a supervisor, and she told me that one would be in contact with me shortly. No one ever contacted me, and this took place more than a month ago. I find it unbelievable that the customer service representatives of this bank, whose job it is to protect their clients and to provide them with accurate information, are not at all held accountable for failing to know how to do their jobs.

If the man I spoke with in March did not know the answer to my question, he should have said so rather than making something up to placate me. If he thought that he knew but didn't, then Wells Fargo needs to take responsibility for better training their employees to ensure that this doesn't keep happening in the future. Wells Fargo, however, has made it clear to me that they do not plan to rectify the situation and are not sorry for it. I will be switching to a credit union tomorrow and removing all of my funds from the disaster that is this bank.

In my third year of payments, I developed Cancer and was totally unable to work and forced into a retirement monthly income of less than $1300.00 and a car payment of $590.00. I called Wells Fargo Dealers Services, explained the circumstances and asked that the payment date to be changed again. The response was "NO"! Now over 2 1/2 years later and at least 5 times since then, the answer has been NO (!) to the payment date change. I receive a pension check every month. I have spoken to several Associates, The Manager and the office of the President. All refused to do so. I have demonstrated to Wells Fargo that the payments can be made at that period of each month, and for close to 3 years I have done so without delay.

Credit is important to me and if you sign you should pay no matter What! Now comes the time to pay the loan off and I have a late fee balance of over $600.00, and it continues to rise at full late fee rate even with an unpaid balance of less than $200.00. Wells Fargo has made it extremely difficult for me to make these payments. One, by not allowing the customer to continue to pay the car note at a local branch office near their home. Secondly, by charging a fee to make a payment by telephone, and third, by having to mail a payment in delaying the process time even longer.

I am retired now and I want to know that the money is in the bank before writing any check simply because of the fear of overdraft charges. You see every penny counts on a fixed income. This leaves me to call other people with a computer to make the payments over the internet for me "leaving no other choices to their customer". I never wanted to be late nor did I need Cancer. However I sure did expect Wells Fargo to be "MORE CUSTOMER FRIENDLY"...

I received a letter stating that I opened a credit card. I called and told them I never wanted or requested this card and this employee committed fraud. Now, this is on my credit and my credit score is lower. I called the bank at 9 am and filed a complaint, called the executive office and complained and the employee was still working at the bank to do this to other customers. Wells Fargo offers incentives to their employees when they open new accounts and this gives the employees reasons to do this to customers!!

I proceeded to the above location to get my withdrawal and the teller (I did not get her name) was on the phone with the N Peachtree Pkwy location. I was told I needed to come in. I went in because she had my 2 forms of ID and withdrawal slip. Never once mentioning I had to do another withdrawal slip because they did not witness me filling it out in the drive-thru. When I went in I was told my signature had to be verified by the manager and I could have a seat and wait. I asked why that was when all I had to do was while inside is put in my PIN. She said no that could not be done. I took my documents out of her hand and went back to the original bank on Peachtree Pkwy and went in to put in my PIN. I was again harassed by ** and told after hearing the manager there state all I had to do was come in and put in my PIN, she had me wait while she called her (**). When ** came over she said yes that was all I needed to do. ** then asked me to verify the amount I wanted which was on the deposit slip. She took information off my license which she never needed since I did put in my PIN. I was told by ** they did not have to give me the money.

Once I left the bank I proceeded to my car. I was approached by a police officer and he requested to see my ID. He stated that the Crossing E location called them and stated there may be fraud involved and thought I was trying to pass a bad check. (Really! My account, my picture ID, my debit card and my PIN and not to mention it was a withdrawal form). Keep in mind there was no issue with the funds in the account. The officer told me I would be detained until he got word from the Crossings E location informing him that in fact everything was okay. By this time there were three (3) officers on the scene. (Can you imagine the humiliation and embarrassment caused as a result? Not to mention the inconvenience). The second officer went into the bank and they gave him some information on me (now is that legal? Aren't there privacy laws? And why would he need to verify who I was with them and I just left using my PIN and showing 2 forms of ID, which was of course over the top). They knew who I was!

When he came out he requested my ID so he could verify me. Mind you this is the second request to show ID to an officer. He stated they told him they were doing this for safety reasons to protect my account and that there were no records of me doing a withdrawal or of that magnitude in 3 months. I showed the 2 officers remaining from my tablet that this was racial profiling by going into my account, showing them a withdrawal of $2900 taken out on 4/8. There were others of course but I wanted them to see this amount was smaller and the lies being told. They were very embarrassed for me. This was the worst day of my life. I have never been detained by police officers. I have never been to jail either.

I live here in Peachtree City and have been for 12 years. The anguish this has caused me is huge. I was very embarrassed and humiliated and in near tears. And missed a very important appointment as a result of this senseless act. I am reporting this to you because this is something that can not go unnoticed. And please keep in mind I have had other accounts prior with you dating back when you were Wachovia. Why would I be treated like this? Can someone help me with this? It's not like I am not business owner in good standing in this community. I would appreciate someone from your corporate office following up with me to discuss further.

In over 6 years the best offer I've ever got to reverse fees is HALF. I even called the corporate office over the fees and was told "whether pending or cleared, money is deducted". Wells has no way of knowing if pending charges are right until they clear, i.e. I had two charges from one place. One was correct and the other was a void but both charges were deducted for a few days until they cleared. So, my money was tied up even though one was in error. Wells Fargo reps always remind you of how it's your fault and not bank error. Thus, why I made the CASH deposit so the money would be in my account!

I am disgusted with Wells Fargo. The customer service is horrible. I had a call disconnected by rep Shanelle in the Reno location. When I called back to ensure the disrespect was notated, the supervisor had no record of it. I stated, "So what you are saying is that Wells Fargo has no record of calls that are said to be recorded, and that I can call the 1800 number provided on the official Wells Fargo website and I will speak to someone who has my personal banking information available at their whim, who can make changes to my account and do whatever they desire, and there is simply no record of it?" I advised her that I do not feel as though my information is safe with Wells Fargo and that the bank is breaking federal laws. Wells Fargo has horrible customer service, but this is expected from a bank that uses usury and underhanded practices.

I am disgusted with Wells Fargo. Very disgusted. Also, there are several class action lawsuit going on right now for the underhanded overdraft fee practices of Wells Fargo. In May of this year Wells Fargo was ordered to pay out a whopping $203 million dollars in a settlement for a class action lawsuit for the sneaky pending of transactions. I am irate. And I told three representatives to remove the overdraft protection off of my account that I was automatically enrolled in unknowingly when I opened my checking account (which was rushed and very unprofessional, might I add). When I checked my account online, THE OVERDRAFT PROTECTION WAS STILL ON MY ACCOUNT.

The first day of opening my account, I was rushed and the process seemed unprofessional. When I called customer service to inquire about my account balance within hours of opening the account, my very first time calling, the rep was rude and hung up in my face. Don't waste your time with Wells Fargo.

I received a letter on July 1, 2013 that was dated June 26, 2013 from Wells Fargo stating that the claim was now closed and that $1150.00 was going to be deducted from our checking and paid to the furniture store on July 3, 2013. On July 2, 2013, we closed our Wells Fargo account that we've had for 10 years. On July 5, 2013, Wells Fargo REOPENED our checking account without our knowledge, permission or notice. They then accepted a direct deposit that they should have rejected and then made the $1150.00 payment to the furniture store for the sofa that we never received.

I find it hard to believe this is legal... They don't want to see my proof. They accept the fake documents from the merchant and then reopen our closed account. Wells Fargo is nothing but thieves. Don't trust them for anything and take your money someplace else!!!

When I returned to the bank, I was told someone at the bank had lost page 4. The POA had to be redone. Should not have been a problem. Would not have been a problem had they done what they agreed to do. All I've gotten were lies. It's been well over a month and I have gotten no satisfaction. Since this occurred, I've discovered he was talked into 3 checking accounts. This is ridiculous as he has very little income. I know tellers are expected to make quotas but to take advantage of the elderly in this manner is unconscionable.

Never have I gotten my direct deposit two days early as I was told but lucky to get it when it is due, so my rent check is often late causing a $75 fee. They blatantly lied to me and continued to deny it, even with the woman who took me to open my account told them this is what I was told. They always tell me to come into the branch, I am disabled and cannot. They are very rude. However, one very helpful manager is trying to help me. But it has been a year now. Now, a new issue. I was then told that after I have my account there for one year, I do qualify for an advance. Now they deny this. And that is in bold writing on their website.

I finally went to a branch manager, who is honest and has integrity for the customer. She gave me the 281 page employee's manual and phone number to the corporate office. I contacted them and called the executive office for Loss Prevention and found out a Wells Fargo employee accepted a check with my name on it without my signature. The Loss Prevention agent was more concerned with me giving him the name of the branch manager and refused to send me the copy of this deposited check, so I can go to the authorities. Loss Prevention said, “Claims will investigate this matter.”

Since submitted two claims, I was told by the claims department that they don't have the claim which I recorded. Loss Prevention told me that foreign checks don't require your signature. I asked, “So any stranger can make a deposit in your name without your signature and that is perfectly legal?" The agent backtracked and said, "NO", but that is exactly what you allowed to happen to me. The bank has surveillance cameras, so they can run the tape and see I didn't make this check deposit. They automatically assumed that I had deposited this check and treated me badly. If it hadn't been for the one honest Wells Fargo employee helping me with this scandalous matter, Wells Fargo would have tried to get away with this fraudulent action of this bank teller. What is most disgusting is that I was told so many lies, but now armed with the truth, I will be filing a lawsuit.

Well, I called back! And it was explained to me that the Child Support People take money out of my paycheck every time I get paid. Which I have no problem with, but because they sent in a letter to make sure that I did not have over $3,500.00 in my account, the bank was charging me $100.00 just to tell them NO!!! 3 months later, Child Support did it again. This time, the bank charged me $125.00. Child Support is not getting any of that money. The bank is just taking my money even though I bank with them!!! Because they got a letter in the mail - WOW!!!

Being so big that you have no representatives that are accountable to any customer is a major flaw in their business strategy. I was told that the check was unposted because it was made out with my middle name and surname. When I opened this account, my full name was put on all documentation. I have used this account primarily to deposit my expense checks since I travel. Every single check has been penned this way. I endorsed the back of the check with my full name. Their lack of consistent polices caused the confusion. Their lack of informed customer services reps made the situation 10x worse. I will patiently wait for the check to arrive via mail so I can redeposit it into my hometown bank that is not bloated with incompetent bankers that will actually care about whether or not they are processing and handling my account and monies properly. You are too big NOT to fail.

So she went to the nearest WF location and was told, "Oh, all we need is for your sister to come in and bring ID, and sign on the account." Mind you, this is after this particular Branch Manager called their legal department and was given this information. So I left work and met my sister at this branch location. When we got there, the person my sister spoke with ran to the back and then assigned another person to speak with us, who then called legal again. They then told us that this estate account should not have been opened. That legal said we have to close the account because it was improperly opened because of the wording on the legal document. It was "and" instead of "or." Then we were told we could not open a new estate account because of the liability of "AND" accounts. They don't open "AND" estate accounts. That the person in the other branch should not have done this.

While we were there trying to understand this, we spoke to three different persons. Each one called legal and got three different answers. They also refuse to give me a letter of denial, stating the liability and the reason for closing the account and why we couldn't open another account "the correct way."

If you want a great bank, go to First Republic...the best in the nation, in my opinion.

Bank of America is trying to straighten out the problem with them but has been unsuccessful at this point. We were not told why because we were not available when they made a conference call (which was NOT scheduled with us). It is very clear that we made the payment AND we made the payment on time... Why should Wells Fargo be allowed to torture us this way?

You're a customer service representative or a loan officer. If you can't answer basic financing questions, I think perhaps you may want to search for more fulfilling employment. And this one employee, with the choices available to me today in the internet age, casts a shadow across the entire institution's name. I have zero time for people who go out of their way to be rude. I'll be sure to remove myself from any relationship I have with this organization due to the behavior of one employee. I recommend other people do this as well.

Needless to say, we are heeding her advice and changing banks. I believe WF, instead of spending so much money in advertising and remodeling their branches, should spend a bit of that money in training their employees on how to treat their customers.

I also have been told that it was mailed to me on May 8, 2013. This is May 15. I have to have this money as I have not been able to find another job as of yet and I do have bills to pay. I would appreciate any and all help I can get. I am steadily putting in applications, asking friends, church family, doctors and anyone I know to put the word out that I need work. Thank you for your attention to this situation.

1.) I was approved/accepted for deed in lieu of foreclosure early April 2013. Today, May 3, the records are still active as a foreclosure with sale pending on May 23rd. The home preservation specialist I spoke with today verifies foreclosure and that deed in lieu has not been approved. How is it that these specialists can't have consistent records?; 2.) The $3,000 relocation allotment is federally sanctioned, and WF confirmed I've been approved for this as well. My assigned specialist stated, "Don't bank on it!"; 3.) I was locked out of access to parts of property before the vacancy date; 4.) WF called me at work to inform me that I did not honor my commitment to clean the yard. This inspection was before the vacancy date and nothing written or verbal held me to any pre-vacancy date requirement.

I am prepared to file grievances against WF with Fannie and Freddie. I believe WF is manipulating their powers to cut out as much of the $3,000 allotment as they can, if not all of it. I do not and cannot trust them. Would you?

She was then turned away once again because USAA (my bank) did not give her authorization. This makes no sense because the check wasn't even from USAA. The teller and the manager were just so inexperienced with banking Power of Attorneys that they didn't feel comfortable making the transaction so they made up excuses to not being able to do it. They said the only way they would do it is if I flew out to Philly and was present. I even suggested going to a local Wells Fargo here in Oklahoma so they could verify my ID but they said that wouldn't work. They are truly special people over there. Excuse my French, ** idiots. What good is a manager who doesn't have experience?

I was sent to another case worker, but my new case worker said she had problems trying to access my case file through my original case worker's computer and that I would have to start all over again from scratch with a new mortgage application. Each time someone applies for credit, it will ding the credit score. Although I had already pulled my credit, I would have to pull my credit again if I wanted to start over with a new loan application over an issue that has to do with Wells Fargo and not me. Although my new case worker was friendly, she gave me allot of excuses and "I don't know" explanations to why my original case file ended.

Wells Fargo is a large bank and shouldn't have problems transferring simple customer case files just because their Wells Fargo employees happen to leave, especially in the year 2013. I am issuing complaints against Wells Fargo, and next time I will apply for a home mortgage loan from another bank. I do not recommend Wells Fargo for credit loans.

Once I got my stuff in the car, I went to the gas station and got gas. I still can’t use debit so I tried credit and it worked. I checked the time and they were already closed. So I went home and looked online to check what I had left for rent, and my account looked normal. Later, the following week comes and I get a notice saying my account has been overdrawn. I went online and all my money was credited back to me, and they have taken out of my other account with 4 overdraft fees totaling up to $140.

I went to the bank that I had dealt with in Manassas to find out that they don’t have a store manager there. Yet they told me I don’t have as much money as my account says, and my debit card hasn't been activated yet. They’re asking me where is the card I’m making purchases from. I handed it to them and they said, "This card shouldn't work; it hasn't been activated yet." I asked if I can get this resolved. They said there is nothing they can do about it, and they told me try another Wells Fargo. The reason why it’s one more than it should be is that the store I used to go to in Dale City (13716 Smoketown Rd, Woodbridge, VA, Smoketown Plaza (703) 878-2785); they are my favorite store.

My daughter contacted WFB and straightened it out. WFB said the problem occurred with several people, and they now had it fixed. Unfortunately, my credit and my daughter's credit were damaged. Several calls to WFB and we have been unable to get our credit corrected. WFB will not write the appropriate letter to the credit bureaus. It was their fault and now our credit is ruined.

Next I went to the bank with my dad and try to figure out what's wrong. We found out that it was the bank that made the mistake, depositing one of the checks twice and didn't deposit the other check at all, while the guy on the phone said that the other check has been deposited, and they charged us a fee for it. When I ask them if the check is lost or not, they would not tell me anything, but what I am thinking is that they lost our check. All I have to say is that I don't trust a bank that loses their customer's check and tries to push the responsibility to their customers.

They said yes. It was completely done and there would be no problems with her account, that the bank had accepted in full my POA. Two months later, I received a phone call from a guy at the bank asking why I had not yet completed the forms necessary for the transaction! I told him exactly what he told me, that it was done. He said he would check into it and get back to me. Today, two more months later, I got a certified letter in the mail asking me to complete the enclosed form (non-existent) and RSVP with the necessary paperwork to complete the transaction. This is crap! No one in Wells Fargo has a damn clue as to what they are doing. This is by far the absolute worst bank I have ever had the displeasure of dealing with in all my years of banking.

Finally, I got someone at the Banco do Brasil to help; she found the problem in one minute! The person who initiated the transfer at Wells Fargo had entered incomplete information. Once this info was provided, the money appeared in my account. When I wrote to the branch manager at Wells Fargo describing the poor service I had received and asking them to refund the $36 service fee they charged for the wire transfer, she again did not reply. I have never received worst customer service from a bank, and I will never deal with Wells Fargo again!

Meanwhile, I've been paying for $15 monthly fee, $35 return fee, $75 return fee/late from Wells Fargo Auto Finance. I will be closing my bank account ASAP! I will never recommend any of my friends, farmily, co-workers to Wells Fargo. I honestly feel that I had been robbed. I have called customer service and they all gave me the same answers. The only reason I continue to keep the account is because my husband and I have to be present to close out the account. Wells Fargo Auto Finance doesn't care about their customer. All they worry about is charging their clients for every little thing.

I was recently in an accident and had surgery. I was told to go to the bank and make copies. This was out of the question for me due to my physical limitations. So, their attitude was, "Too bad, you will pay the late fee," instead of saying, "Pay it to the correct address and the late fee will be removed." No, they demanded that the late fee be paid.

I called Kirkland's directly who uses Wells Fargo for their credit card. I was assured by a very nice lady that I could send a certain amount yet again to the different address which paid it off! The next month, it was the same thing - a late fee tacked on to the prior month's bill. I called the same lady at Kirkland's again. She even called me back saying it had been addressed and should be removed.

This month, I got another statement with more late fees tacked on. The amount is growing on a paid off account! I called the lady again at Kirkland's. I am practically in tears at this point! Never have I ever gone through anything so absolutely ludicrous in my entire life and I am 67 years old! This bank needs to have charges brought against them for duress! I now have two braces on my legs but can drive now and, let me tell you, when I get to the Wells Fargo bank, they will be very sorry as I may take my attorney with me. Their actions are unforgivable!

I just wanted to get out of there and offered to pay cash to make it quick. She asked me to pay $65.00. After she receives the $65.00, she would give me back $25.00, which was my deposit for the key. I was angrier and raised my voice saying I could just pay her $40.00 instead. She refused and threatened to get security to escort me out of the bank for raising my voice. I asked how much longer this transaction was going to take since she was taking forever. She said she will let me know when she’s done. I have never encountered anything like this or anyone as rude and unprofessional as this woman. I asked for her card, and she refused to give it to me until she would finish the entire thing. She claimed to be the bank manager. It turned out she was the customer service manager.

It is beyond me how someone with this attitude can make a good situation a disaster and has the nerve to threaten and have security escort me out when she is the only one that should be escorted out of this bank for her extremely unprofessional managerial skills and rude attitude. Eventually the Vice President came, and as soon as she did, ** seemed to have changed her attitude to a normal person. This is the worst bank I have ever dealt with. I run a business for the last 28 years and never encountered anyone like this or any bank with such horrible customer service as Wells Fargo. They are a rip off. I never received anything in the mail, and they refused to even give me the address that they used to mail the renewal notice. If this is not a rip off, I do not know what is; but I do know this should stop, and Wells Fargo cannot abuse people this way.

Fast forward to today. She gets a call from Wells Fargo stating that someone turned the cards in. The teller tubed her ID and debit card to the wrong person and that person is just turning them in now, a week later. She is also finding some charges to the card that happened after she canceled the card? We all know what a person can do with a photo ID and the matching debit card these days. She has called the branch manager and corporate office. She is getting no answers from them as to the steps they are taking to ensure her personal privacy. She has contacted the BBB, along with her family lawyer. You would think these people would be doing all they could to stabilize this situation. Does anyone have any suggestion as to our next steps? Thank you for reading.

He did not show basic minimum courtesy expected from a branch manager. He personally guaranteed 100% that his branch has done all it can regarding the wire recall. But as per my call with WF customer service, the wire transfer recall was never even looked into. Only the service case number was created and it went to a black hole. I was going to the branch everyday to be reassured that the wire is coming through next day. When I got the customer service and the wire department, they were the ones who gave me the real situation.

I suspect they want to get rid of me from the branch since they had a meeting or whatever. What priority work do they have other than customer service? For God's sake, this is a consumer banking branch. Extremely disappointed customer.

Like any common citizen, I was under the impression that the check would not post to my account until 4/4/13 which was the date I listed on it. Like any person who has ever tried to cash a check that has been future-dated and has been told "you must come back to cash the check on the date that is listed", I assumed that the date on the check actually meant that the check was not valid until this date. I know now and understand that I was wrong. I called in yesterday morning and was informed that the date is simply "an agreement that you have with that person to not cash the check until this date", and that the date on the check is pretty much just for decoration.

I have no problem admitting I was wrong in assuming that the check would not post until the date that is listed on there. What I am extremely appalled by is that there is nothing that can be done to assist me in waiving the $35 fee. I have been a Wells Fargo member for over 2 years since it was Wachovia, and I have probably had 1 maybe 2 fees waived back to me. Again, I work customer service and can understand that policies are in place for a reason, but I also know that there are exceptions that can be made for customers. I have been given attitudes and spoke with 4 people who sounded like they were reading off papers and had absolutely no intention of helping me at all. No type of empathy or even understanding of my situation was shown.

If you ask 10 people if they thought that a check that was dated for 4/4/13 would post on 4/3/13, I can guarantee you that 8 out of those 10 will be under the impression that it will not post until 4/4/13. I understand that I was misinformed and I was under the wrong impression with the policy of the checks. But I am asking for help from my bank to waive the $35 fee as I was clearly unaware of this policy; otherwise, I would have never done this. The 4 customer service reps with whom I spoke with have stated that there is nothing that I can do, and one of them even said that I am not getting anywhere with him. They stated that everything is automatic and if their system didn't qualify me for a credit, they couldn't do it. I find it completely unbelievable that nothing can be done!

I work hard in my position in customer service and I enjoy helping my customers. I make sure that I put myself in their shoes and make the proper exceptions when deemed necessary. It is so upsetting that I know something can be done and I am being treated so poorly. I am not trying to sound like those annoying customers who make threats. But honestly, if this is the way I am going to be serviced the one time that I am actually calling for help, what is the point if everything is "automatic?" I might as well go to another bank. The representatives that I have spoken with have no people skills and are in no way "for the customer." I am asking for help in waiving the $35 fee. If it is not worth assisting a customer, then I hope it is worth losing one. Thank you again for reaching out to me and hearing me out.

I finally broke loose and told him that I was after his job, exactly what I thought of him, and that he was a blight on that particular branch. I will not be happy until he is finally fired or moved to some place that **, ** homophobe republicans are more accepted!

When someone shows progress in making payments through your company, you most definitely should not be getting rude, etc. You're just asking to make a situation worse and that could cost you money. Let alone be a burden on a future customer. You will make it costly on yourself, let alone who you're trying to do business with in the near future most likely. If your staff was good at what they do, then for someone like myself that keeps routine checkup/calls updating about my account payment dates, schedules and speaking to your customer routinely and especially when asked to follow up, I always do. Wouldn't you absolutely assume at least more common courtesy, at least your basic know how customer service?

I've had my share of customer service experience (working retail for over 7 years experience), worked security and worked as a security officer in a retail setting for years. Your company's customer service reps for a rating of courteousness would be 5-10. But for the so-called next ups you get, which they want to call your so-called account manager for my personal account seemed to always never be the same person and seem to have that up tight demeanor (like you have some outspoken power to prove to the world your little position, preying on the weak). I just feel bad for the people that don't know their rights and feel like you people have a right to treat people this way and act like you're someone that has the ball (only in your company's court) like they are in control of the situation completely. That's obviously false.

You won't get nowhere without your customer fulfilling the contract to the best of their ability. So no, not even close. It's called the customer makes your business succeed and not negativity and judgement of character before even getting one word out. I'm just letting this known. I know of two other people that went through Wells Fargo dealer services and they're not happy, so I'm explaining my experience which is close to exactly what they dealt with sadly.

I further inquired about which branch and what to take with me as I wanted everything to go smoothly. It was a borderline waste of time to prepare though, as the person I dealt with was a very young, immature in the worst way and incompetent business rep. However, after bungling through hours of paperwork, I made sure to note the deadlines for everything - the new accounts, the moving of business credit, etc. On Monday, I called the business line and was informed that it would be end of business Tuesday, at the latest, that my new credit would be available under the new name. So I had a vendor build me a product to be delivered on Thursday, expecting to be able to finally use some of this great credit.

However, I did call on Tuesday too since things happen. Problem was that not only had nothing happened, no one there could confirm to me that anything was going to happen. It was like I had called a completely different business which had no information on me at all. I was referred to WF Business Direct, which of course was gone for the day. So I called again on Wednesday morning and after explaining my situation, I was bounced back to the other business line. It took a lot of conversation with this other line because they were the last people I should have been speaking with, but I gave the guy credit for hanging in there and bouncing me back to Business Direct as he should have.

Finally, I spoke with someone useful on that end (Keala, who went somewhere in her office and dug my fax from Saturday out from a pile and confirmed that it was being worked on now.). She even offered to call me to give me an update the same day (never happened). Keala did give me a reference number **, which when I called again on Thursday morning, got me absolutely nowhere with someone named Candice. Candice was worse than useless; repeating over and over that there was a 2-business day period that this would take, ignoring my pleas that it was submitted on Saturday and this was Thursday. She then made up some story about it taking 2 business days to get the fax, then another 2 business days to process it yet she was oblivious to the fact that I had to get Keala on the line on Wednesday to dig the fax out of the pile.

I did what anyone with any self-respect would do - requested to cancel my account. I have been bounced to 3 different people, with the last person claiming that "the guy who closes accounts stepped out, but will be back in 10 minutes to call you." It's been 30 minutes and I really don't expect a call, given the overall performance of this organization. Wells Fargo, I'll pay my vendor with my own money. Thank you and say goodbye to my business.

The basic information that I received from the Estate department was, "That's what I'm told to say." They didn't have a clue about what documents they were requesting or why they did or did not need them. Ask to speak with someone knowledgeable, and the response was that they were told to handle it themselves. Lessons learned: Always follow up on your stock liquidations and never deal with Wells Fargo!

It has now been 6 business days and still nothing! I've missed lots of time from work, have angry friends and family, and now to top it all off, my car is about to be impounded. All this from being misinformed! That's not all. Today, I've been trying to reach the branch manager by telephone now since 9:20 this morning. First, I'm told by one banker that she's unavailable for the whole day. And next I'm told by another banker that she's out at "lunch" at 3:45 in the afternoon and will return my call upon her return. I really feel I'm getting the runaround! In fact, I'm going to close all my account with Wells Fargo and would advise people to do the same!

Once I realized what happened, I froze the account and asked for a fraud investigation with the high dollar fraud department. After waiting for about 40 days, they responded and said my claim was denied because they think it was me without providing any documentation to support their decision. This is outrageous. It seems this decision to deny was based almost solely on the whim of the person who interviewed me for 10 minutes by phone. I had nothing to do with these transactions and trusted the bank to protect my money and take care of me as a customer. Here are the steps I'm taking:

9. Posting on www.ripoffreport.com

I then called Customer Service and was automatically connected to Collections. They were short with me and demanded that I give them bank information over the phone. I explained that I thought the payment would be automatically drawn but they couldn't care less. I then asked to have the automatic payment discontinued, and they refused to help me. I then went online and made a one-time payment to close out the account; I paid it off in full. I called the Customer Service number and continued to get Collections who refused to assist us in cancelling auto pay. Thomas, the supervisor of the Collections department, could not have been less helpful or rude. At one point, Thomas told me that I would have to talk to Customer Service. He would not connect me and when I called Customer Service, they wouldn't talk to me because the account was in my husband's name. I told them my husband gave permission to talk to me but they said there was no record.

I called Thomas back and he said my husband had only given Collections permission to talk to me, which is not true, and I would have to have my husband call again. It's round and round and round and round with no resolution. It's days later and I still have not been able to cancel the auto pay. I will never do business with a company that provides financing through Wells Fargo!

I called Ridgewood and they said the checks were good but there's nothing they could do about Wells Fargo holding my checks hostage. Now into Feb., I still don't have my $7k because Wells Fargo is looking into it and the two depts are not releasing my checks! I spent hours arguing with each department for days. Finally, in mid Feb., I was sent an official duplicate of the checks. Yesterday, 3/1, I deposited them into Bank of America with no problem. What the heck is wrong? They held my $7k up for a month. I needed my money. They had no right to financially put me in a hole. When I got the checks back, it had a letter stating they were stale dated. Official checks are good for one year. They were not stale dated. I told them that on the phone. Two weeks ago, I got a call from the fraud dept asking what had happened. I told the man and no sorry, nothing. He just wanted to look into the situation. They had no right to hold my checks hostage.

I called their Iowa corporate office and the woman I spoke to handled my account and laughed during the conversation. They all said that they didn't care and that the credit card division is separate from the mortgage divisions. I had also forwarded all of the communication to the mortgage departments. Wells Fargo didn't care. Wells Fargo sent the credit card account to a lawyer collection company that took me to court. Because my county is arbitration and not mediation, if you owe a debt, you can't negotiate. I was then garnished for $639 per month. Guess what? I was in jeopardy of losing my home and being sued by the HOA. Guess what? I got sued by the HOA because the $639 had to come out of allocated funds somewhere. Wells Fargo didn't care at all.

Within a year later of struggling to rob Peter to pay Paul, I had applied for a loan modification at Wells Fargo and they turned me down on the basis that Wells Fargo was garnishing me for the 39.99% credit card debt plus attorney fees. So I was forced to surrender my home back to Wells Fargo because I didn't have the ability to pay for the garnishment for the credit card plus my HOA plus the mortgage. Wells Fargo did offer one deal - to consolidate my $4,300 credit card onto my mortgage and charge me 9% APR and add $20,000 fee for refinancing all my loans. How about that? My existing mortgage was 6.375%.

Wells Fargo sent me foreclosure notices and letters and has not foreclosed yet. It has been almost three years since I moved and have received the first letter. They have not changed the name on the property and have not paid the HOAs. I am being sued for 3 years of HOAs now. How about that? Now considering all of the information, who is at fault?

In April 2012, I changed banks. I kept the WF account open for 6 months to be sure that there were no payments that needed to be honored. After 2 months of no activity, I closed the account in October 2012. However, a month after I closed the account, I received a bill for $45. They stated that I needed to pay it even though the account was closed. I paid it, and assumed that the account was closed after that. Then in December, for some unknown reason, the bank tried to pay an old online bill payment, which they said they couldn't pay, because there was no money in the account, so they charged me an NSF fee of $35. I went to the bank branch and spoke with the manager. They understood and waived the insufficient funds fee, and said that they would close the account the next day after the waived fee posted to the account. They were completely unable to answer me as to why the account was not closed in their computer system. All they kept saying was that it was pending closed (whatever that means), from October!

On January 7th, I received another insufficient funds notice from the bank, stating that there was another draft on the account, and a resulting NSF fee of $35. I called the bank branch and they kept telling me that it was not their fault that they paid it, but it was the fault of the entity that posted the draft. The bank manager never returned my call.

I then received a letter from the bank informing me that since my account was in a prolonged overdraft status, they were sending the amount due to collections. I went to a different branch to get the NSF fee removed and was told that they were unable to do anything because the account was closed! I was told to call the 1-800 number to speak with someone to get the fee removed. I was transferred from department to department five times, and was told that I would have to get the NSF fee removed at a branch. At that point, I was enraged.

I paid the amount outstanding today, because I know that no one cares about the little person in this world and had to let it go for my sanity. I will tell everyone on the planet that this is the worst bank ever!

But Wells Fargo seems to think that this is an opportunity to make some money. They debit one's account the moment that you submit it, even though the check hasn't been mailed yet. I asked the banker what would happen if the check was lost, either in the mail or by the recipient. She said I would have to inform the bank. Why? How would I even know, unless someone told me? Yet Wells Fargo has already taken the money from me, and the onus to get the money back from Wells Fargo is on me! If they did their accounting correctly and accurately, this wouldn't be a problem since it is exactly like a check. I would steer clear of Wells Fargo. I closed my account.

I e-mailed the hotel and they responded immediately, and admitted that I was "accidentally charged." I gave the chain of emails to Wells Fargo but they are still expecting me to pay the either fraudulent or accidental charges. I was misled into believing that this was a fraud-proof card, as well as harassed by Wells Fargo. They did not use due diligence in their investigation. I feel they are taking the easy way out, because my pocket is easier pickings. The treatment they have given me is disgraceful.

The representative told me to froward the email to pish@wellsfargo. I verified the email 3 times as initially, I was told that the address was phish@wellsfargo.com (which was also the right spelling of phishing too). But the rep confirmed to me repeatedly that it was only 4 letters "pish" and not "phish." The email bounced back. I called Wells Fargo again. I was told by another customer rep that my internet account access was good and again, I was told to try emailing the phishing scam email to pish@wellsfargo.com. The mail bounced back again. After which, I was put through to the fraud department, who told me in fact the address was phish@wellsfargo.com. I told her that is what I thought all the time, but 2 reps before her had insisted on giving me the wrong information. She said she could not take a complaint and this was a different department. She had nothing to do with the other department and reps (the same line I heard over and over again), but told me that my internet account access was working. There was no restriction.

Then she put me through to a fourth rep for some reason I can't recall. Again, for the 4th time, I was obligated to go through the verification process and explain my problem. In frustration, I hung up. Anyhow, I assumed that the problem was fixed. Every time I spoke to a rep, I had to go over verification again. In fact, 80% of the times spent on phone with them is verification and 20% or less on real issue at hand, which they gave me the incorrect information. I then tried to make a bank internet transaction in the evening on 12/24/12. I could not log on, so I called Wells Fargo again. The representative tried to reset my password twice. When it was not successful, the rep found out that my online access had indeed been restricted by the fraud department. He told me he could do nothing and forwarded me to the fraud department.

After trying to talk to the machine in the fraud department to which he connected me to, I got abruptly cut off. I called the 1-800-956-4442 number once again. I had to go through the entire verification process and explain my problems once again to another rep. She put me through someone supposedly in the fraud department, whom I explained the problem once again. She told me as far as she is concerned, my access was good; but she would put me through the fraud department! I thought she was from the fraud department. She said no. Finally, she connected me to the fraud department, who told me that my internet access was indeed cut off and I had to go to the nearest Wells Fargo with my identification. There was nothing they could do.

By this time, all the banks were closed and were also closed next day for Christmas. Now I finally realized that the initial email which I had received from Wells Fargo was indeed authentic, despite their own reps calling it a phishing scam. I finally called that 1-866-867-5568 number in the email and was told by a customer rep that my account access was indeed restricted and I would have to go to the local bank. There is nothing they could do. By now, I had wasted at least 2 hours with all the aggravation, misleading information and not to mention, I could not carry out important transactions. Besides the original email that never even mentioned that I should simply go to the local bank in the first place. Why even waste all my time trying to call them when I was required to go to bank for whatever verification they needed anyway?

I then went to local Wells Fargo Branch 6509 in Las Vegas on 12/26/12, where it took me more than an hour to finally get my access back after being asked the most ridiculous questions. Apparently, they had canceled my internet access as I tried to log on from Long Beach where I had traveled for Christmas, even though I was logging on from my own computer. They wanted to know the towns I crossed on the way there or even where I filled gas! Heaven forbid if I have traveled out of the country and there was no Wells Fargo around, there is no way I would have been able to restore my banking access and could have been in really hot water without being able to do monetary transactions. It almost seemed that I had to justify my visit to California before they would restore my access, despite the fact I had all my Identification.

Then I got a letter from Wells Fargo dated 12/27/12 that they had restricted my access because they verified that the online activity was not authorized by me! This is when I literally had to jump to the the moon to prove to them that it was indeed me who was trying to log on to my account! Also, they told me not to respond to phishing scams. This is when their own reps identified their own email as a phishing scam more than half a dozen times! Since the past 6 months or so, when Wells Fargo changed its passwords, there has been one problem after another with access. Every week or two the access is denied, I am forced to call and given new temporary passwords - wasting time and causing lots of aggravation. This time, it crossed all limits of idiocy and ridiculousness. Not to mention decency.

I doubt they are catching any criminals by doing all this, but are tormenting their customers instead. My bank account was cut off for 2 days for no reason. There is the reason Wells Fargo has a 521 out 586 customer service ranking on the web, and a one star rating on most of the web for customer service. I have been to other countries including third world, but have never seen such deplorable customer service. There is endless verification again and again; repetition of the same problem from one customer service rep to another. The customer services representatives will bump the customer from one rep to another without explaining to the other rep what the problem is, so the customer has to go over the same problem again and again.

There is no communication between the various department. The reps repeatedly told me they had no idea or control over what the other reps said and could not even take a complaint about another rep - a completely disjointed setup. Not to mention, most of the time Wells Fargo customer reps gave me contradictory and false information - wasting a lot of my time and energy and causing me a lot of stress and impacting my business transactions. Wells Fargo's customer service is horrible and non-existent. Ridiculous is not even the word that describes it.

We've had multiple calls to Wells Fargo, some not so nice discussions with their customer service personnel, certified letters to Wells Fargo with no response at all, plus they show no receipt of the correspondence yet I have the return receipt with a signature that is illegible. On Friday (1/11/2013) during our call with Wells Fargo, I asked what would happen if the first party died, then where would the 1098 go? She responded that it would still go to the first name on the note with a notation "deceased"! Wells Fargo refuses to make this change. We do not want any modification to the note at all, just a change to the end-of-year statement. "Absolutely not," they say, "the IRS does not allow it!" They did have a solution for us - refinance the loan and that would change the order of the names on the note.

Refinance fees would be in excess of $1500 and the interest rate would be higher than what we have now. I asked the supervisor on the phone if she thought that was a good process? She remained silent. What is really interesting is that we have another mortgage on our main residence and the names are exactly the same and we had the same challenge. All it took was a letter to Chase Bank and they made the modification immediately and even sent a follow up letter to confirm. Evidently Wells Fargo confuses IRS requirements with their own internal requirements which are to get the maximum return from their customers by forcing them to refinance. If there is a logical solution to this, I would love to know it and how to do it.

Next time, I made a deposit through the drive through, 3 checks into my business account, gave them my business debit and a deposit slip and all the checks were stamped with my business name and account number on the back, and I never saw the checks deposited. After some checking into it, I noticed the teller had deposited the checks into my personal banking account. Really? Ok moving on, the next time I deposited some cash and checks into the business account with the drive through teller (same teller that messed up the first two times), I specifically put on the deposit slip and cash back (I put in an extra $20 and wanted two 5's and a 10 in return), she said she deposited everything, and gave me my change in the envelope. I left and when I got to my work, I realized she gave me back a 20-dollar bill. Why would I give her a 20 to receive a 20?

The last straw was when I went into the bank last Friday on my way to work and I made a deposit and asked for change again like usual. This time it was another teller. She deposited the money and gave me back an envelope with the change inside and my receipt and said everything was in the envelope. When I got back to work, I realized I was missing my debit card. I called and she said she had it that I just could go back and pick it up. I was too busy on Friday to pick it up so on Saturday morning I went to the bank in a hurry because I have a busy salon to run with client appointments but I didn't want to be without my debit card all weekend. I went through the drive through to get it and they told me I needed to go inside. Inconveniently, I went inside and they started asking me all these questions and asked for proof that I was who I was, which I totally understood but I asked her to please focus on getting it done.

I was in a hurry and she continued to stop and explain to me why she had to prove who I was and seriously, if you took my debit card and did not return it you should be driving it back to me! I shouldn't have to stand in the bank for 10 minutes trying to prove I was who I was when I go there all the time and the woman who made the mistake was right there. I was running late so I left the bank angrily without my debit card. I figured if I would've just called and cancelled it when I realized it was missing. I would've received another one in the mail and I wouldn't have had to drive around and miss work. Then I got a phone call from the teller at the bank and she left me a message saying that the branch manager was going to be bringing my debit card to me so that I wouldn't have to go back for it, and that he would just need me to sign for it when he got here, and she wanted me to call them back to talk to them.

Well, that was a week ago and still no one from the bank has brought me my debit card, like they offered to. I did cancel my card immediately but I had to wait around for a week to be able to spend my money since I have no debit card now. Ridiculous. So the girl at the bank can keep my card, why doesn't somebody try to identify her? Her name isn't on the card, mine is. So, they won't give me back my debit card they took? But all the bankers can have it?!

Fast forward forty-minutes later, he called from the road to say he left his card in the ATM and wanted me to go online and see if there were any transactions after his $30 deposit especially since there had been another car behind him and partly to blame for his rushing away without his card. (Idiot, my word this time.) If I discovered another transaction online, I needed to cancel the card immediately; otherwise, he'd check around the driver's seat with a flashlight when he got home. Well, there had been another transaction and obviously it wasn't my husband's since he was already driving out of the bank's parking lot singing back-up for Joe **. There was a $100 cash withdrawal! That sure gets the heart pounding.

Here's the time frame we learned later: 17:09 - my husband makes a $30 deposit at Wells Fargo ATM/Teller machine (then drove away); 17:10 - $100 cash withdrawal from a savings account (not withdrawn by husband); 17:30 - two consecutive attempts to use the card at a nearby gas station ATM. This we don't understand exactly, only that our account was credited with two separate one-dollar transactions. We assumed they tried to use the card and when it didn't work, perhaps, the machine owner or Wells Fargo reimbursed our account for the fees normally applied. Regardless, it proves the car behind my husband not only withdrew $100, but then took the card with them and attempted to use it elsewhere. Back to our complaint.

Although Wells Fargo is not holding us responsible for the $100 withdrawn (a good thing), my husband has to wait 5-7 business days for his replacement card. When I lost my Wachovia debit card a couple of years ago, a new card was sent to me overnight, something to do with having a crown account or a gold card or something that meant my new card came immediately. My husband and I both told the various Wells Fargo representatives tonight that this was a real inconvenience because my husband only uses his ATM/Debit card. No cash. One of the reps suggested he used my card during this time period as if we're joined at the hip. Bottom line, this is the straw that broke the banking camel's back. We have remained with Wachovia and now Wells Fargo even though we moved to this community over five years ago, a community that does not have a local branch.

In order to do transactions like the one this evening, we must drive twenty minutes. Since Wells Fargo has taken over, we have noticed new fees, fees for this, charges for that. Penalties for this account or that account for not keeping x-amount of balance. We have questioned in the past why they could ethically allow a cash withdrawal from a low account, then turn around and transfer money from our overdraft account into the low account and charge us fees for doing so. Why not simply say, "Your account does not have sufficient funds for this transaction." Enough is enough, Wells Fargo. After seeing yesterday's report of your $5.1 billion profit for the fourth quarter of 2012, we know firsthand where you're getting some of it: From account holders like us who continually allow this to happen. No more. Monday can't come soon enough.

Then the next line item was a $35 overdraft fee. Then the 3rd line was my deposit of my Disability check, all on January 3rd. I called to ask why. I got a girl who could not speak and understand English but could talk good in circles and fill in form blanks. I am 63 years old and with a 1.7% increase in my Disability which is nothing considering the cost of everything that has gone up while Congress and Senators got a 7% increase in pay for doing nothing. I started to get angry at the none concern of the lady I was talking to and her talking in circles about how she thought I was wrong and she was filing out a complaint for me as a warm fuzzy but I was not getting my $35 back.

I asked for a supervisor. The supervisor got on and took sides immediately with the same song and dance. Wells Fargo had a legal way to screw me out of $35 and basically they were going to do it. I had been with them over 10 years now back when it was Wachovia and the service was good, not great but at least good. Wells Fargo is hunting loopholes to make up for the lower interest rates they are having to make loans for to be in the banking industry. I am going on Monday to a new bank, a smaller one that does cater to the retired and disabled, and it is local with many free features. Wells Fargo can kiss the customer goodbye after 10 years and please use the left cheek of this former Wells Fargo customer's ** to do it on.

Also, Wells Fargo has now turned my loan into a home equity loan (it was a simple interest loan with Wachovia). So now for the last two years, I have paid late fees and interest on late fees that Wells Fargo should never have charged. So the banking world is as crooked as the political and legal system in our society. Rome did not fall in one day either. It fell due to the need for political power and how do you get that? Money, money, money! The good Lord is watching!

We had not closed the account and had received no notice that it had been closed. They need a signature for you to open an account. Why don't they need one for it to be closed? When this was presented to WF, they had absolutely no idea or explanation as to why something like this could have happened. Meanwhile, my husband's check was sitting in limbo. No one bothered to tell him or could tell him anything. He was advised by someone at that particular branch to open another account and hopefully, by Friday, it will be resolved and the money will be in that new account.

Are they crazy? When we do get this "resolved", we are moving to a hometown credit union and to hell with Wells Fargo. It is Christmas and we don't have access to our own money which is in the Wells Fargo system but not in our account. No one has really helped us because they are all idiots. I do pray that this bank will go bust and that there will be no bail outs. I have nothing but hatred for this bank and those who have scrooged our Christmas, not to mention our bills that have to be paid by a certain date.

My issue is that I called and was misinformed by Wells Fargo agents on how to waive the Monthly Fee Requirements both times. I did get a refund but just half of my money. Is it worth losing a long-time customer for $5 on each Savings and Checking Accounts? Paying $10 monthly fee for having a Wells Fargo Account may not be much for some but the hassle of keeping an account with this bank is too much of a headache. It seems I have to jump hoops to avoid additional fees for keeping my money with Wells Fargo. Farewell, as I am happy to only deal with my credit union and no longer a bank like Wells Fargo. I would not be surprised if your previous customers file a class action lawsuit for what is happening.

When I checked the online account, it showed all 3 transactions as pending. I also pulled up transactions with balance and had exactly $13 in my account at that time, and was charged an overdraft fee for checks that where cashed after the deposit of the cash was made at the Holly Springs Wells Fargo. Point of the matter is, they put a hold on a cash deposit and cleared checks that were deposited over an hour after the cash deposit was made. Then they charged me an overdraft fee for pending transactions when the money was deposited in there. Also when contacting the local branch, they had no direct answers for me and told me to call the headquarters. When I called the headquarters and asked why I was charged an overdraft fee for pending transactions, I was told, "The online banking webpage is never 100% accurate." I also was told that there was nothing they could do about - what I am calling their injustice. I deposited the money ($340, making a grand total of $353 in my account) at 11:09AM, at a Wells Fargo branch.

At 12:00 noon, the checks were cashed at a different branch location. The checks cleared before my instant cash deposit was made. Why was I charged an overdraft fee for checks that where cashed an hour after I deposited my money? Why was my cash deposit put on hold or claimed to be pending and the checks cleared first? Why have an online banking option, with no disclaimer, stating that the information provided is incorrect and not "100% accurate" as a supervisor of Wells Fargo claimed? Why is it an instant cash deposit when it is not in fact instant? Why didn't the checks just bounce instead of clearing? None of these questions should be asked of any bank. None of this should have to be gone through. I feel I was scammed and I am a victim of a large corporate bank that can pull the wool over your eyes and get away with it due to the size of their operation. A bank that has been in trouble before has more cons than pros, and accepted a bailout. I am complaining about faulty website and could even be considered false advertising. I am complaining about poor service that almost feels like a scam.

I've made a dozen calls and each time, I was told or given inaccurate, incomplete and never the same answer to my questions twice. As well as waited on phone on hold for an hour many, many times only to be hung up on or have been extremely rude and unprofessional to. I've written all the info down and e-mailed it to them as well. Please help, I have filed complaints with the Federal Reserve but to no avail, as well as Wells Fargo who then told me they would put the nearly $1,700 in fees that were erroneously taken out back in the new rolled over account 2 months ago - but they haven't. I've also asked for transcripts of the last 3 calls in which the agreement to put money back in account, but again, I haven’t received them. What can I do?

A few months, we got out of this investment, with a total loss of $23,000. Wells Fargo's response: “We don't control the market, and this is the unfortunate aspect of investments.” Next, my personal frustration with Wells Fargo stems from dealing with rude representatives, who are far from nice and cordial, over the phone. Throughout my request to refinance my home loan, I found myself dealing with one representative who generally had no people skills. She was demanding, pushy, and if things did not go according to her liking, you basically inconvenienced her. Wells Fargo should take the time and teach employees better customer service skills.

After a review, I found out that the reason why it got declined was because they had my debit card linked to my daughter's account. They told me that it was the weekend and they could not do anything for me, and that I would have to wait until Monday. I asked them about my husband's debit card that I had also canceled. They turned around and said that only mine was requested to be canceled. They said that my husband never canceled his, so I asked them why he was asked for his social security number. She said she didn't know, but she can order him one. I told her I was food shopping.

When I called on Monday, she said that she didn't know how that happened and that she would un-link it. On Wednesday, my daughter came up to me and said her account was charged $120.00 in overdraft fees because they never un-linked it. They let the debits go through and I'm pissed.

On 11-20 2012, I went to transfer funds because I knew three debits were coming out. When I was in positive, I used my debit card but got declined. When I looked online, they told me that they haven't updated their systems so I was in the negative when that transfer went through. Really? Well guess what? Another $35 in overdraft fees because they needed to make money, I guess. So if I look online at 5:30 in the morning and I am positive, how are you telling me that I was negative? Wells Fargo sucks. They need to go. They take people's money.

All in all, for October, there ended up being 21 $35 fees that they will not reverse, not even 1 of them. This is excessive. As I thought the automatic deposits coveted my automatic bill payments, because I was not aware all these fees had occurred again. I was hospitalized (emergency neck cervical C5-6 surgery). They have charged excessive fees and again with the high to low posting.

I'm lazy. I'm not alone or more people would use these credit unions, which I'm about to, as for profit banks are too large and obviously don't care about how inconvenient and unfair they are to their customers. A year ago, I went into a branch to deposit a paycheck on a Friday morning. It was within business hours and I specifically went to a banker rather than to the ATM as I wanted the funds available immediately to pay rent and if there were any 'concerns' or holds or whatever ridiculous things they seem to randomly do when you let them hold onto your money. I wanted them handled right away. I was assured everything was great and no problems.

The first mistake was trusting someone who worked for Wells Fargo. Later, when I still couldn't pay rent, I called customer service, wondered what was up. Evidently, Wells Fargo isn't 'legally' required to recognize deposits on Friday of any kind, so they simply don't. It wasn't that they were busy and couldn't get to it; they just aren't required to by the government so don't feel like it. Nothing I could do. Two grand in the bank from a payroll check and I couldn't use a dime and had to go the whole weekend without any money. Customer service even told me I should have deposited in the ATM because that would have been fine and it probably would have been automated, so it was my own fault for seeing a live person with the expectation that would avoid any problems.

Now I'm moving into a new apartment and spend a night picking up some new furniture. Except my bank card is not working. It stopped. I called to verify I am who I am and I am making purchases. They verify and say okay, it'll work again in 90 seconds. Fine, except it doesn't. So I have to call back again asking if 90 seconds means something different to them than it does to me. Oh sorry, you've been reported to the fraud department. They're closed right now but you can call back later. What? I've called twice now verifying all my information, with more than enough in my account, and you've locked my cards and accounts for what reason? Spending my own money has offended you? Find a local non-profit credit union so you too can say ** to big banks who refuse to let you use your own money.

Original Review: Nov. 1, 2012

I have been a long time customer of First Union, Wachovia and now Wells Fargo. I have several accounts with them including a High Yield Savings Account. Back in August, I was in a local branch and was somehow talked into opening one of their new "PMA" checking accounts. I told by the customer service representative that I already had a checking account and didn't need another one, but he insisted that I open up the account in order to take advantage of all kinds of special perks. Stupid me, I went along. No sooner did I get home and look up this type of account that I realized I didn't need or want it, so I called Wells Fargo and had it closed.

Well, what I didn't know is that this triggered something in their computer system to start deducting a monthly service of $25 from my savings account. I was never informed and didn't check my statements for 3 months, not realizing I was being charged until today when I was catching up on my finances. I called Wells Fargo and challenged the service charges. I asked why the charges only started 3 months ago when I've had this account for years without any fees. I was told that my type of savings account requires it be linked to a PMA account. That was not a requirement when I opened the account, but something Wells Fargo changed without notifying me.

I demanded a refund of $75 to my account. I was able to get $50 refunded and will have to go into a local branch to dispute the other $25. I was also forced to change to a different savings account with no requirements except a minimum balance in order to avoid any more monthly service charges. I do not like strong arm tactics. Once I get the rest of my refund, and I will fight to do so, I intend to find another bank and ultimately transfer all of my money out of Wells Fargo.

Not only can I not use the money from the cashier's check, I cannot use the rest of the money in my account. So no paying rent or the electric bill, no going grocery shopping, no doing anything for seven days. They also did not notify me of this in any way and if I hadn't checked my balance online, I would have had no idea until my card was denied somewhere. The employee on the phone didn't say a word about it. I have taken cashier's checks for a thousand dollars more than this one was and they offered to cash them for me. Now that they've realized they can't bully me into a high interest credit card account, they're holding my money hostage. I'm a student and this is my only bank account. I don't know what I'm going to do.

I lost my mind in the restaurant. I was so embarrassed because the waiter was waiting to get paid after he delivered my food. I had to call my spouse to come and pay the bill. The bank supervisor still won't do it for me, after all the info about my account. I hung up the phone and asked for an aspirin. I had terrible head and neck pain from all the abuse. I waited for my husband to come and pay the bill. The conversation with the man from the bank took almost an hour. My food got cold and my husband had to drive all the way from home. I had a nervous breakdown and felt pain while I gave this person all the correct info. After I hung up the phone with him, I called customer service again to report him (I have his name) and a lady answered. Before I even gave her all my info, she apologized and activated my card, but it was too late for me. The damage with my nerves had taken place, and I was suffering and crying. I want to report this man to the headquarters of the bank and anywhere else I can. I will take it further because of the rude treatment and the abuse! Please help me!

Additionally, they told me my accounts would be free. This was a lie. I have to have a certain amount of cash in each account and make a certain number of transactions in order to keep it free. They never told me this and assumed I would be fine. It was not until later I discovered months of bank fees and had to send an email to my business banker to get them reversed. I was blessed with a business banker that never responded to my emails (once a week for three weeks) so then I had to submit emails to two additional professionals before it finally got resolved.

Wells Fargo is horrible and it seems like the professionals are simply trying to do whatever they can to get promoted, but at the expense of the client. My business banker got promoted and simply left without giving me another business banker's account info. I did not get a new business banker's contact info until I had to go contact somebody on my own. This seems to be the trend at Wells Fargo. Let me say that this review is after 1.5 years of doing business with Wells Fargo. I know switching banks can take a couple months to get used to so I was giving Wells Fargo the benefit of the doubt.

After this last event, I just can't take them anymore. I feel like I am watching out for myself and that they are not watching out for me. I feel like I need to make sure I have no bank fees. I feel like I have to find out who my business banker is. I feel like I have to make sure my debit/credits cards are all working. I have no confidence in Wells Fargo. I have accounts at Citi and Bank of America and I can 100% say that Wells Fargo is worse than both of them. I am now actively looking to switch banks.

After 5 days, I called in and was told that the insurance company estimate was never received (I brought it into the branch and watched them fax it over). So now I had to send it again and wait 3-5 days. After another 5 days, I called in to find out why the inspection company had not called and was told the inspection was cancelled because I did not turn in a certificate of completion. I was never told I needed to sign a certificate of completion! So now I wait another 3-5 days for them to upload to my file. Finally, the inspection was scheduled and the report was sent in 100% complete on Thursday, 10/4/12. Now I have to wait another 3-5 days for it to post.

I asked in the mean time, is there anything else I will need to do to get the check signed? They said yes, I will need to fill out a hold harmless agreement. I asked if I can sign now so I don't have to wait another 3-5 says. They said no. I asked why. I was given a ridiculous answer. So on Monday, 10/8, the inspection posted. They said they are faxing hold harmless agreement by end of day. I never received it. I called back at 5:30 and they apologized and told me they are sending out again. Never received. I was busy on Tuesday and didn't have another 2 hours to deal with this nonsense, so I didn't get a chance to follow up.

On Wednesday, 10-10-12, after multiple requests, I finally got the hold harmless agreement and immediately faxed it back around 2PM. On Thursday, 10-11, I went into the branch and I was asked for the insurance company estimate! Really! I explained to the manager the situation and showed her the hold harmless agreement. She called in and they told her, "Sorry, you can't sign until it posts." So another 24-48 hours I wait. This is by far the worst customer service experience of my life! Can you imagine if the loss to my property had me homeless or living in a hotel? This process needs to be overhauled. This is totally unacceptable and I will never use Wells Fargo for anything ever again!

In the meantime, Wells Fargo never failed in charging me outrageous overdraft fees. I am an artist and I do not make that much money. So when $2,000 disappeared from my account and I have to pay another $2,000 in order to make my home livable again (I have a dog and there were health issue concerns which did not permit me to postpone the work), my bank balance was not to its healthiest. Each time I would go under zero, even as little as $-1, I was charged $35. On top of that, my online statement has never been in sync with what my real balance was. If I would spend some time to add all the overdraft fees Wells Fargo has been charging me, I can easily say that in the last 10 months, I have paid over $1,500 to Wells Fargo (just in overdraft fees). Yet, I get no help whatsoever when I call them. The worst customer service I ever encountered. I am switching to CitiBank as of today.

I was treated like a common thief because I didn’t have an account with Wells Fargo and would not give them my banking info. All in all, check cashed, clerk tried to be helpful and management ... no wonder I left years ago, I won’t mention the original name. If I would have come in my business dress, would I have been treated differently? Thanks for protecting my mom, but what if she is a working widow who needs to pay for services?

On Wednesday, 8/29, ** said I would receive a standard two week's paycheck on 8/31 - my last day of employment. I then asked how my final week's wages would be paid out. He said it would follow the same path I had self-designated according to my direct deposit routing choices elected in Teamworks. For the record, I have already predesignated my Wells Fargo savings account ending in number ** to receive 99% of my subsequent direct deposits leaving the remaining 1% to be deposited in the Wells Fargo checking account **. I then asked when I would receive my final week's wages. He strategically replied "soon." Since soon is nowhere nearly sufficiently accurate enough for my records, I asked a second time, "When would that be?" He again strategically replied "soon." I then said I need a more accurate answer than that. He finally said I should receive my final check by Wednesday, 9/5. He asked me to call him back if I did not get the money.

On Friday, 8/31, my last day of employment, I only received two week's pay according to my aforementioned self-designated direct deposit elections. Five days later, Wednesday 9/5, I reviewed my Wells Fargo online banking profile and noticed that my final wages had been somehow misdirected to the wrong account. 100% of my final wages, $540.72, was deposited to account **, totally against my aforementioned direct deposit designation. This was also totally against what ** told me would occur. I immediately called ** and asked him why this occurred. He was puzzled and also agreed with me, saying that deposit should have followed my predesignated path, just as it did on 8/31 and 8/17 before that. I urgently asked him for assistance and he declined saying, "You need to call customer service."

I spent the next 12 hours calling customer service, who told me to call Wells Fargo payroll department; who in turn, told me to call my manager or HR adviser. I also called the district manager **, to whom ** reports. On Wednesday evening, 9/5, I spoke to ** and he also confirmed that my final wages should have followed my own predesignated direct deposit path. He was unaware of this problem as ** had not escalated the issue. The following day was another labyrinth of phone calls and hang ups I had to endure while trying to get resolution. In the interim, I asked ** if he could do a manual transfer and cut a physical check to me and he replied no. I asked why not and he replied, "Because our branch would take a loss." This culminated in a 3-way call initiated by **, with Wells Fargo payroll department and I on the afternoon of 9/6.

After ten minutes, the agent at the payroll department said they could make the correction and deliver a physical check to me for $540.72, plus an additional 103 hours of penalty wages also being paid to me per Nevada labor law. ** and I both asked whose approval was required to initiate that action. The agent told us only an HR adviser could do so. The payroll rep said, "I doubt they'll do this." ** told me he would make that request and respond back to me later that afternoon. ** also added, "I don't think they'll do it." I spoke to ** later that afternoon and he confirmed that the HR adviser declined to permit payroll to make the correction. I asked him why. Specifically I asked, "Do you think it was because of the penalty involved?" He replied yes. At this point and going forward, I see this as Wells Fargo admitting guilt, but declining to make the correction for their own economic gain. This also reeks of retaliation. The aforementioned incident is the final in a long line of problems I've endured while working as a personal banker at Wells Fargo.

In December 2009, I was victim of a car accident. Wells Fargo approved medical leave and long term disability pay from Wells Fargo and their insurer MetLife. Still when I was healed and excitedly ready to return, I was made to re-interview with multiple managers and forced to switch branches - from Newport Beach, CA (Mariners) to Orange, CA (Orange Main). That resulted in over a month in being unpaid. In December 2011, I earned a slight pay increase and transferred from Henderson, NV (Pebble Market branch) to Santa Clara, CA (El Camino Scott) branch. I worked there for about two weeks but fell seriously ill with pneumonia. Here is what occurred.

On Tuesday, 1/10/12, I had been informed that my apartment agreement fell through. I had moved with intentions of residing at ** in San Jose, California (about 10 minutes from my new branch at El Camino-Scott). I informed my then manager, **, that I had to leave work about 15 minutes early to attend to my father who was out, exposed without a place to stay. She acknowledged without complaint or discipline. The following day, Wednesday 1/11/12, was my normally scheduled day off. I contacted my then manager Ms. ** about what had transpired the past Tuesday evening, 1/10/12, and how I was running out of money to pay for hotels while trying to apply for and secure a new apartment lease.

I told her specifically that if I could not secure another residence before Thursday, I'd be forced to resign. Reason being California's hotel costs are astronomically high. I specifically included that without an apartment, the only way I could remain a Wells Fargo employee is that my former Nevada district accepts me back. Nevada, being the nearest locale that I could afford residency, Ms. ** acknowledged that and agreed; after saying, "Let me know if there's anything else I could do." I specifically told her the reason I had to leave was because I was running out of money, a problem made worse because I was ill with walking pneumonia/bronchitis and had been paying a large amount of money dealing with co-pays and medicine to my doctor Sofia **.

My manager was already informed of my severe illness as I had missed the dates 1/6/12 and 1/7/12 while attempting to recover. I even faxed her my doctor's note on 1/5/12 just for the record. Later that day, I contacted my then former manager, **, and explained how my recent move blew up in my face. I repeated the same fact I had previously discussed with Ms. **. Ms. ** did not promise any results but said she'd contact her manager and HR and discuss the option of me returning. Ms. ** said I have to formally apply before any decision could be made. I applied early in the morning on the 12th and was informed later that afternoon that I could return to my previous branch, **.

I called Ms. ** that same day, 1/12/2012, again after being informed that ** would rehire me, and told her the news. She acknowledged that news and replied quote, "Thank you for informing me." She didn't not threaten nor hint that I was behaving with any ill will that should intentionally or unintentionally violate Wells Fargo's code of ethics or vision and values. It seems as if Ms. ** and her district may be under the impression that I was trying to undermine their authority and in turn, Wells Fargo's vision and values. Nothing could be further from the truth.

I moved with every intention of building a successful relationship with Ms. ** and her team at El Camino-Scott. I even spent a great deal of money registering with the California DMV for new license plates and registration along with Smog Check. I had/have no ill will towards her or her DM or their fellow employees. It is a very embarrassing, personal, domestic situation that prevented me from pursuing the PB1 position at El Camino-Scott as I had intended. For the record, I behaved as a professional and was sure to discuss every move with Ms. ** as soon as factors were presented to me. Unfortunately, my domestic issues spun out of control very quickly (within 24 hours) and it obviously created a cloud of suspicion. I simply ran out of money. Nothing more nothing less. Unfortunately, it came on the heels of a serious sickness, which unfortunately helped to accelerate the problem. I should not have been punished for this, especially on the heels of a serious illness.

Over the past year, I have performed very well and have even been recognized by managers, **, **, ** and ** for my sales and service expertise. I must also mention that my performance occurred while having to work in very uncomfortable working conditions at Pebble Market. There were numerous uncomfortable discussions of a sexually explicit nature occurring behind the teller line, both in front of customers and other employees. I was very uncomfortable and did my best to quickly change the subject (to the local UNLV Running-Rebels for instance) to try and make for a more comfortable environment. There was also gambling taking place in the branch. I enjoy sports and would routinely engage in fantasy football online participation without any money involved. In August of 2012, the branch manager Hassan asked me to deposit $10 to his account for participation. I was hesitant but did so to avoid retaliation. I hoped to stay in his favor with that action.

During my 3-year span of employment, I was also routinely asked to interrupt my lunch to assist customers and not report it in my time sheet. Again, I, along with my co-workers, were hesitant to comply but agreed to do so to stay in the best favor of the managers. I was also expected to assist customers beyond my normally scheduled 5:15PM off time. More than half of the time, I was not allowed to update my time sheet and when I did update it, I was verbally scorned for doing so. This problem was compounded by my co-workers, strategically avoiding customers throughout the day leaving me with the brunt of the customer interactions (see "interaction effectiveness reports" to confirm my disproportionately high number of customers I was forced to assist). My managers let this occur and did not stop it.

I was also prevented from receiving mileage/travel reimbursement for repeated trips to the Wells Fargo training center (referred to as "the Vault" in Las Vegas on boulder highway). I had made at least 10 trips there, between 2011 and 2012, but told by ** that I can only report two of them. The previous manager ** never even assisted me in reporting mileage. She either didn't know or did not want me to collect. Although I can involve outside legal representation, I'd prefer to work out a compromise between Wells Fargo and I. In good faith, I am demanding to receive my final wages of $540.72, plus the 103 hours of penalty pay referenced by your payroll department (to be paid at my final documented wage), to be immediately issued along with a formal letter of apology. Please issue my funds as a physical paper check and apology letter to: **.

Please respond with the corresponding UPS overnight shipment tracking number for reference. I can also be reached via phone at **.

To add insult to financial injury, I have been talked to as if I was at fault (Theresa), and been treated rudely and hung up on (Karen). I have asked 3 times to speak with a supervisor and told by both Theresa and Karen that there was no way to transfer me. On my last call, a different legal team person told me there was no note to escalate me to a supervisor - as these two other "lack of customer service representatives" had assured me. She transferred me, and now I wait for a call back. After reviewing posts on their Facebook page, I am not the only person to whom they have refused to reverse the fee.

The home mortgage department said that they could not endorse it either because the loss totaled over $15,000 and that it was going to be a monitored claim, requiring me to mail the check and them disbursing three separate payments after I send a contractor's bid, receipts for material and labor, W-9 tax forms, inspections and a whole lot of other red tape. The agent on the phone was very helpful and told me I could avoid all of that by writing a letter of request to release the check, but that it would take 3-5 business days before a response. Because of the three-day weekend, I got my response today (9/7/2012). The response was denied because there was an issue over lead. The emergency crew detected lead in an old layer of paint on my walls and AAA had to hire an abatement crew to remove the bottom portion of three walls that got wet.

I explained to the agent that the lead issue was not relevant because the abatement crew had already been paid and before they removed their containment, they tested again for lead and the second results came out negative. My wife and three children have been living in the house for the past three weeks, so what is the issue? The agent stuck to her guns and asked me, "Are you going to mail the check or not?" I told her not and asked for a manager. She took my phone number and told me to expect a call back within 48 hours. I decided to prepare for another denial and read the terms of the monitored claim. Under a monitored claim, you are allowed to sub-contract, but conveniently for Wells Fargo, they do not have those forms available online. I called back and asked how I can get those forms and another agent told me that they need to mail them to me, 7-10 business days!

I thought to myself, when Wells Fargo was created over a hundred years ago, that's how long it took to deliver documents by horse. How is that possible? Long story short, Wells Fargo is a real piece of work. I understand that there is a lot of fraud by people who take the money and abandon their house, especially in this housing market, but come on, I am up to date on my payments, I have some equity and I am in good standing with Wells Fargo. Like other big businesses, Wells Fargo has lost touch with its people and needs a wakeup call. If at all possible, avoid Wells Fargo until they fix their ways.

I explained to the rep that they could see the payment was to be posted to the following month and asked they make the adjustment. The rep told me they couldn't do so. I asked to speak to a manager and talked through the issue and told them they can see I have been making monthly payments and could see the payment was posted on the same date each month. The manager said she could see that and because the billing cycle was adjusted due to the different number of days in the billing cycle, my payment was posted early. I went on to ask for help from the manager to have my account adjusted and the late fee to be reversed. The manager said she could not do that and told me I would be liable for the late fee.

What a rip off! This company is the worst company I've ever dealt with and will never deal with them again because of how they handled this situation. One last thing, I have a credit rating, depending on which credit bureau is viewed, of 760 to 820. The reason I mentioned this is to let everyone know this complaint has nothing to do with how responsible I am. As you can see, I must be very responsible to have a credit score so high. Wells Fargo should be ashamed of how they handled this concern of mine.

Gerrick ** (manager) at Wells Fargo Dealer services stated that is our job to prove that we made this payment in July. He also decided to hang up and not speak to us because we stated that we want proof of the check or electronic payment sent back to Western Union because we want an accurate close out total. This adjustment changed the interest and final close out amount and before we pay anything else after 6 and 1/2 years. We want proof because this may not have been the first mistake between Wachovia and Wells Fargo Dealer services. We are requesting the correct payoff amount to complete the deal and we are requesting if there is no proof of an error made by us the customer, Wells Fargo release our title and mark this account satisfied. Thank you.

I was recently assessed a fee on my Way 2 Save. The customer service rep said that I made one more transfer than permitted. Well, there is no written documentation and when I specifically asked the local branch banker about transfers, he said that there was no longer a limit. Wrong answer! Also, with a lack of integrity, WF does not provide any alert online when making a transfer. According to the local banker, this is so WF can line their pockets with high fees. This type of conduct did not happen with Wachovia. Wachovia had the integrity to provide an alert prior to the transaction.

It is a violation of full disclosure to provide incorrect information at the branch level and withhold information online. I want a refund on the illegal fee that was assessed. By the way, I have been a customer for nearly two decades!

This rude behavior and lack of customer service were reasons that I came back after visiting with another, withdrew my money, and moved it to the other bank. This bank has been going downhill more and more each time I go in there. Their setup lacks privacy for the customer to conduct private business. If you are standing in line waiting for the teller, you can hear the business being conducted in the adjacent cubicle. It's totally inappropriate.

I called her back after arriving at my office. She again stated that because I did not receive cash, sign a document or complete the transaction, I would not be penalized. Needless to say, I informed the merchant and was informed that the debit was in fact made, and the only way it could be reversed is if the bank sent a detailed letter on stationery with the pertinent information, about 7 items! I contacted the bank around 4:30 pm and asked them to fax the required letter so that I could have my funds returned to me. I checked with the merchant 23 hours later, the letter had not been faxed! Their only explanation was that they had been really busy all day.

I called from 2:00 pm EST to 3:00 pm and did not have my call answered! Finally, after contacting two local branch managers, my call was finally answered by ** in the store. I explained to him that $330 is not a huge amount of money, but far more than I'd like to give away to Wells Fargo Bank! Again, his only explanation was, "I am sorry, but we have been extremely busy!" I have asked three Wells Fargo associates for the name and contact information of their City Executive. Not one was willing to provide the information! Also, after checking, there were several additional duplicated debits from my EPPI Card account!

I was laid off in November 2011, just returned to work in August 2012 and had the balance of $836.16 on the account. I attempted to deduct $330 on August 21, 2012 with a remaining balance of $500.

He followed me out of his office and ordered me to leave in front of other customers and the entire bank staff, stating loudly that he was going to call the police. I am a seventy-year-old lady and I believe that had my husband been there I would not have been treated in this manner. Actually this person in the Red Wing, MN bank is the most unpleasant person that I have yet encountered in any bank setting or anywhere as a customer. Whether he could notarize a print or not is irrelevant. He was arrogant, condescending and rude and threatened me and humiliated me publicly. It’s not conducive to improved public relations between the bankers and the public. I was shocked and very upset. We intend to close our account on Monday.

Second, when I went on the line again, she asked me for my right thumb fingerprint and I did. Then she told me there is a $15.80 charge. I asked her why so much and what percent was she charging me. She didn't even know what to say. A minute later, she told me that's the same, even if I go into a check cashing place. It got me so mad. Then she was trying to make me open an account, this got me very angry. I would never go back into a Wells Fargo bank in my life. This was a very bad experience and a waste of time!

Well, that didn’t happen. They robbed us without a gun! Rick ** from Emery FCU manager called Wells Fargo about the money. Wells Fargo assured them that we would get the money back. Well, we got a check for $64.87, where is the rest of our money? I called Emery FCU and told Rick that everything they told us that we were to get back was a lie and false misrepresentations on each bank. So now, I guess I will file a complaint to the OCC and get an attorney and file a class action lawsuit against both parties. So now, I've been robbed of my own money without a gun and the consequence is that I won't pay another house payment. They can have it to do whatever they want with this house! See how much I care.

I have explained to SVO that we are not able to continue going anywhere because my husband has had five heart attacks. The worst one was at our stay in Orlando approximately four years ago, at which time we almost lost him. Since that time, I have tried over and over to get someone to just take over the payments or give it back, but was informed this year that we had two choices, one to pay it off and the other was to miss the next three payments and they would proceed with the relinquishment. I did exactly what I was told to do and I received a letter from SVO freeing us from anything to do with our timeshare. They said since this was a relinquishment and there was a zero balance, it was not considered a foreclosure. The statement on our credit report with Experian recently from Starwood Vacation Ownership stated, "Credit Grantor received deed for collateral in lieu of foreclosure." They will not accept this other to say the status will remain unchanged until 2018.

I have repeatedly explained this to Experian and Wells Fargo but they will not change our credit score and we have no right to our Home equity. We have and have always had excellent credit. Wells Fargo has nothing to do with this timeshare. It was finance by Starwood. The total for the timeshare was $24,900. Counting the $14,000 timeshare we used plus all of the payments, which was a total of $4,908, we have paid these people $20,405. If there is anything you can do to help us get our credit straight, please let me know. They have already made over $20,000 from us, so I don't think they are losing anything because they rent our unit in the summer and will now resell it if they already haven't. Thank you.

Just because of that, I had to pay my monthly credit card bill of $255 right away. I paid on 08/03/12. Even after the overlimit was paid, Wells Fargo had the nerve to report it to the credit bureaus on 08/06/12. I had even asked a rep if it was going to affect my credit score and be reported and the rep said, "no". They lied to me about this. I do not understand why, if I paid on 08/03/12, Wells Fargo reported the overlimit on my credit card. I called and asked Wells Fargo to clear the overlimit and they said it will take 30 days to update in the system. 30 days is too long, especially that I paid right away even before the date they reported it.

In the end, my computer repair ended up costing me $160 + $158 from interest and $255 from the amount I pay monthly for the credit card bill. The grand total for my computer repair was $573. I even had to take money out of my savings. Had I known, I would have paid the $160 with my debit card.

Well, I guess the guy took it personally and started giving my fiancé an attitude and wasn't closing our account like we had asked. He was all flustered and my fiancé told me and the baby to go outside to get ready to go. I had to put the baby in the car seat. Well, I got outside and 5 minutes went by and my fiancé came outside and was shaking really bad. I asked what was the matter and he told me that the man who was helping us called my fiancé a liar twice, because my fiancé told him we've never had a problem doing it before and we just moved from NJ. He called him a liar, so my fiancé said ** and the guy said it right back to him and flipped him off and told him he had to leave.

Nice, right?! So he went out into the lobby outside of the guy’s office so someone would help him close our account like we asked before any of this happened and the guy started flipping him off from in his office. So my fiancé was like, “Really?” And he flipped him off back. So the guy got right in my fiancé's face like he was going to fight him and started cursing at him again until someone came over and told them they were calling the cops and my fiancé had to leave. So needless to say, my fiancé had to go to work after because this was at 9 am and I went home to get the CEO's number to call and complain about this man. They told us that we will get a call back either that day or Monday. Well, no one ever called us back and the man at Wells Fargo kept his job and didn't get in trouble at all because he lied about his part to the story and no one could see what was going on in that office while this was happening until my fiancé stepped out of his office.

I’m so infuriated about this. This was complete disrespect. All the guy had to say was, "I'm sorry that you feel that way," when my fiancé said Wells Fargo sucks and he should just closed his account like he asked in the first place and sent us on our way instead of being rude and disrespectful enough to get my fiancé to curse at him. So I would not tell anyone to go to Wells Fargo. They are rude. They don't take the right actions, are disrespectful, and do not wish to help their customers. They'd rather gang up against their customers and call them liars and let people like this work at their office in Tamaqua, PA. I'll be writing other blogs about this problem so I can reach out to people before they decide to go to Wells Fargo to open an account or give them any type of business.

This situation was never handled properly. The man should have explained why we couldn't do what we wanted and what we could do to fix the problem. He should have just closed our account like we asked when he didn't tell us what we could do to fix the problem and all we had to do was put my name on the account. But he failed to tell us that and I was sitting right in there when they were talking about it and he never did anything to help. He just kept throwing punches until my fiancé wouldn't take it anymore and said ** to him. What kind of business lets people work for them and take their employee’s side and don’t listen to the customer when something serious like this has happened?

I’m completely disgusted by this place! Absolutely, no one should be treated with such disrespect in a place of business. Once again, all the employee had to do was explain the problem or close the account like we asked. He didn’t have to call my fiancé a liar twice to his face. No one should ever open an account or give Wells Fargo any business. They are a horrible business to be associated with and I'll make it a point to write something every day about Wells Fargo until I feel like I’ve done enough damage to this company as they did to my fiancé that day. Then he had to work on top of all of this while still in shock. He was shaking the whole day because all he could think about was what had happened earlier that day with ** at Wells Fargo in Tamaqua, PA.

The hours wasted waiting just to get them to cut checks were getting me really angry. To cap things off, the dumb teller "transposed" the numbers on one of the checks and it took me more time to get that fixed. They lied to me, wasted my time and came across as completely incompetent. Screw this outfit. After reading copious horror stories about this bank, I wonder how they even stay in business. This is the worst bank I ever dealt with in 25 years of business experience. I have never raised my voice in a market place until I dealt with these buffoons.

The first month, April, after cashing the check I left the window and came right back after walking away for a less than 50 feet. I asked the person who helped me if I can change the $20 bills for large. She asked if I had an account there. I said no. She told me that she can only change bills for members. Since I'm not a member, she cannot change it for me. I told her, "you just cashed this check for me" in which she told me that she was sorry but that's policy. Since I was in a hurry, I let it go.

The next month, May, there was no incident except that when cashing the check for me, the rep asked if I have an account in which I reply no. He asked me if I want to open one, in which I replied no. When he asked why not, I said, "bad policy and customer service." In June and July, it was the same as May. Since I had some cash in $20 bills, I asked if I can change it for $100s since I was there and the rep was in the process of cashing my check. Again, I was told "Sorry, we do not exchange for non-members".

Today, August 6th, I went into the same branch. I wrote my name in the Payee line and the # dollar amount in on the check like I usually did. The rep assisting me told me that she cannot cash the check for me because the owner did not put my name on the check. She was saying that the owner of the account should have been the one to write my name and complete the check herself and not me, that the account holder needs to write a new check to me. I told her that the account holder is in Mississippi, how can she write another check and pay for her rent this month? I told the rep. "The owner wrote out the amount (written amount) and signed her name. I am not changing the amount or anything like that. She has an account at this branch, verify her signature. Look into her account and you will see that it is the same amount each month I cash out and that the check was written out to me as the payee."

The rep started arguing with me. I asked to speak with the manager. The manager supposedly verified the account and told me that she needs to speak with the account holder. I told that I will call her for you right now but that she will not answer because she is at work and in a different state. The manager then told me that even if I call whomever, she has to call the # that the system has on the account holder. Anyway, this is a bunch of BS Wells Fargo!

I called in to request a courtesy adjustment on those fees since they were more than $300 all together. Everybody I talked to refused to do it. They did not even offer a partial adjustment. I lastly spoke to Cody ** who is supposedly a supervisor in the South Dakota Center. Apparently, he is the overall boss there because he refused to give me his manager or anybody else. According to him, there was nobody above him over there or anywhere else. I asked him to close my account and he refused because there were pending transactions, my husband's paycheck that should be available first time on the morning on this day (I never understood why that transaction still shows as pending anyway). The account is not negative anymore. Even so, he refused to close it.

Make no mistake. I will close all my accounts with them. I'm fed up with all those nonsense fees, just trying to suck even the last drop of blood from you. If my business is not even worth about $300 to Wells Fargo, then they are not even worth a penny to me. These will be the last $300 they take from me.

When calling for information, they informed me the billing would not be on the 19th as originally stated, but rather every 30 days. This is a moving target. I'm unemployed and depend on that check to pay; however, even the government doesn't pay on time. I originally requested my bill date changed from the 10th to the 20th so as the payment would clear by the time they deposited into my account. Well, that's not happening. Today is my last day with Wells Fargo. I will close my accounts and go elsewhere, never to return. This is an internal Wells Fargo scam!

I did not really have a problem with this since I pay my taxes and wish everyone would contribute. The thing I did not like was that Wells Fargo would not release the first third until the IRS approved the W-9. Really, we are waiting for a government agency now? How long would that take? The end result was I had to pay the entire contractor’s estimate out of pocket and the job was complete before I saw one penny. The contractor’s estimate was lower than the insurance company, so there was an overage. I still have not seen that money and I call everyday asking them to send it to me. Wells Fargo, there has to be a better way.

So why is Wells Fargo holding my last payment and not applying to my account? The check has cleared. So now that it is Monday, I have called Wells Fargo twice and they will not give me any information on my vehicle. I owe less than $3,000 on it. They will not talk to me until they get a "condition report". Why the red tape? Why does that matter, why can't I just pay the vehicle off? They have to be so difficult.

Over the period of this loan, I have been lied to by them, I have made arrangements for them to payments out of my account which they pulled out the payments back to back and screwed up my checking account, then tell me that they must have put it in the computer wrong! They have been rude and degrading. I would never recommend this bank to anyone! What rights do I have?

Well, this is how it goes. When it used to be called Wachovia Bank and then switched to Wells Fargo, I opened my bank account and filled out the paperwork through Wachovia and then when they switched the bank to Wells Fargo, they closed my account since I had no money in my account. So, I reopened the account through Wells Fargo on Wickham Rd in Lansing Square, Melbourne, Florida. When I had it a few weeks in either 2010 or 2011, I had money in my account and I was going up to Michigan in June of 2010 or 2011 from Florida to Michigan to visit my kids and my family. Then, I used my debit card in the bank and at the ATM so almost all of my money was on the card. I used my card on the Wells Fargo Bank on US 192 New Haven Rd in Melbourne, Florida and then I used my card again at the airport for my baggage fees and then, when I went past security and went to get something to eat, my card did not work.

I tried it again and it was declined but I know I had money on my account. So, I called up Wells Fargo, the one on 192 New Haven Rd in Melbourne, Florida and they said the teller deleted my account by accident and I said, "how can you do that without my signature?" They said, "I don't know," and I said, "I need my money; I am on vacation from Florida to Michigan to see my kids and my family and now I barely have any money on me. It's all on my card. They said they would send me a check in Michigan for my funds. So, I was up in Michigan for about 2 weeks. Still, no check came so I called up the bank again while I was in Michigan. They said, "I have to call up the 800 number and find out where your check is." They said, "we sent it," so I called them up again and I said, "when did you send it? I need my money." They kept saying the 800 number person we sent it and I said okay and they hung up the phone on me.

I waited and still no check so when I came back to Florida, I went to the bank on 192 in Melbourne, Florida. They said I have to go to the bank where I opened my account at so I did and they told me, "we don't have your money or account with you. I said, "Yes, I do and you closed it for no reason." They said,"You have to call up the 800 and 888 numbers." I said okay so I did but I said I want my money. I called the person on the 888 and 800 number. I explained what happened. She said, "You don't have an account with us." I said, "Yes, I do," and explained what happened.

She put me on hold for like 45 mins to 1 hour and a recording came on so I left a message but no one called me back. I called the Lansing Square Wells Fargo in Melbourne, Florida on Wickham Rd and explained what happened. They said they would get back at me so I waited till the next day and they told me to call up the 800, 888 number and I explained what happened. They where talking so nasty and rude to me and hung up the phone so I went down to the Wells Fargo bank again at Lansing Square in Melbourne, Florida and explained what happened. They told me to get off the property and I said, "I want my money," and they told me to leave. I went to another Wells Fargo Bank on 192 on New Haven Rd US 192 in Melbourne Florida and I explained what happened at the bank and what they said. They where shocked and looked confused and they said, "We will try to help you." So they said, "try calling the 800, 888 number again." I said, "I did many times," and the bankers said said, "Come sit in my office and we will put this on speaker phone."

They called up the 800, 888 numbers and we talked to someone and they would call us stupid and dumb and were being rude and nasty to us and saying nasty things to us. So, the banker told me to file a complaint but he did not know the address but he gave me the 800, 888 numbers so I called and asked for a complaint and the person wanted to know why, what it was for. I said, "I want to file a complaint," and they hung up the phone on me. We called them back again a few times and talked to different people about a complaint form and they were being rude and nasty to me and they to kept hanging up on us.

Then, we finally got through. Now, the bank mgr and bankers were calling the 800, 888 number and then we talked to someone and he wanted to know what was going on. So the persons on the other line, they would put us on hold like for 45 minutes to an hour and then there is a recording and he hung up. He was getting really upset at the people on the 800 and 888 numbers. That day I spent like 4 or 5 hours at the bank to get my money and still nothing. So, I called up the 800, 888 numbers later on that night and I finally got through to someone and told them what happened and how I stopped at one bank and another and i said, "I have to wake up at 5 am to get ready for work from 7 am till 3 or 4 pm sometimes."

She said, "Your money will be at that bank by 12 pm tomorrow." I said I have to work." She said," Be there by 12 pm; if not, you don't get it." I said okay and she gave me an address to a complaint to send out a letter in Oregon to file a complaint and so I did and still no response till this day. They said at the 888, 800 numbers that they never mailed the checks out. I told them, "When am I going to get my money?" She said, "I am sorry."

I went to work at 7 am and had to leave work early and I got to the bank around 1140 am and I waited in line and went to get my money and asked them about my money. The teller said, "What are you talking about?" I said, "the lady at the 800, 888 number said I have to be here by 12 noon or I can't get my money so I'm here before noon and now it is 11:50 to 11:55 am." And she said, "Your money is not here." I said what they said it would be and the banker said, "I am sorry." So I asked to talk to the bank owner or head mgr or banker so I explained all that happened. She said come to my office and they called and put the call on speaker and they kept hanging up on us or putting us on hold like 45 mins to 1 hour and a recording kept coming on and we left a message and we hung up. Mean time, I have been at the bank for like 5 hours now and still no money or progress and we tried again about a half hour till the bank closed. We finally talked to someone with the 800, 888 numbers and explained what happened again. They said to both of us to be at the bank tomorrow between 12 and 1 pm and my funds will be there and we said okay.

I said, "you said that today it would be there and still nothing." They said it would be there for sure and I said I will be here and I have to work tomorrow but I'll be here by that time the bank closed. I stopped at the bank again and had to leave work early again so I can be there by 12-1 pm. I showed up around 12:30 pm at the bank and explained what happened and asked for the bank mgr or banker that helped me yesterday and they said, "he is not here today," so I talked to another banker or bank mgr in Wells Fargo bank on 192 New Haven Rd in Melbourne, Florida and explained all this again about my account. They said, "we will look into this," and I said, "I just want my money and loss of pay and file a complaint form and discrimination and etc." I explained what happened. He found out why they closed my account. It was because of another bank that I had. It was Bank of America and I said, "that bank sucks," and so dose this one. But I asked why and since I had too many problems with that bank, they closed my bank account and they shut down your account here.

I said, "They can't do that. Another bank can't close another bank account." He said, "that was crazy," but any ways, I said, "What about the 800, 888 calls?" So he called the 800, 888 numbers again and explained what happened and the people on the 888, 800 numbers were being so rude to us and being nasty and calling us dumb and stupid and etc. and hung up the phone on us. He told me to file a complaint so I asked how and the address. He said he did not know it but to call up the 800, 888 numbers again. I did so; they gave me an address in California and Oregon, so I did. Still, no response, as of today. Mean time I was at the bank for another 4 or 5 hours and still no money and being hung up and us putting us on hold so I talked to another banker. He got on the computer and got on the phone and explained what happened and that guy who he was on the phone with said, "No, I have to fill out a affidavit and get it notarized."

The guy on the phone was asking the person on the phone which was not on speaker how to fill out the form correctly. He printed it out and I signed it and got it notarized and I asked, "how long will this take?" He said, "a few hours," and I said, "Okay. Can I get that number so I know to whether to come back or check on it?" He said okay. A couple of hours went by and the bank was closing in a few so I called up the number and asked, "Did it get approved?" They said no. I said, "Why?" They said, "You filled out the form wrong," and I said, "we went step by step with the guy on the phone and he said to do it this way and we did." He said, "You got the wrong information. You have to fill out another form and get it notarized again."

Now this is going on just to get my money back. It has been about a month or 2 and still I have not gotten my money. He said, "I am sorry. Just stop by back tomorrow and we are closed." So, I stopped by again the next day and explained this all over again to someone else. Then, I was at the bank for another few hours and I had to fill out the affidavit and get it notarized. I did and I finally got my money.

But anyways, I still have not heard back on any letters or attorneys about a lawsuit about lost wages and discrimination and emotional distress and etc. Could you please help me or anyone could help me? Also, if you like, I just found out a few weeks ago Wells Fargo has over 700 complaints on them if you look on Wells Fargo sucks or Wells Fargo consumer complaints and reviews. I don't see barely any responses on the company of Wells Fargo or anyone. Why is that? Could someone please help me and respond back to me by email or mail or call. Thank you for your time and response.

Then, I didn't hear from them for yet another 2+ weeks. They sent another empty letter stating they needed verification of SSN. I called the customer service and all the person who answered could say was "this is federal policy," to require so much personal identification verification. If this is federal policy, then why don't other credit card companies do the same? Yet, no one I knew who applied for their first credit card had to go through this much "verification." The customer service person was very unhelpful and kept repeating the same thing and he couldn't provide any other information to educate first-time appliers such as myself about the whole credit application process.

Then when I requested to rescind my application, they said, "this will negatively affect your credit score." My credit score that I haven't even started to establish is already being tarnished by a company that didn't provide any help in the application process and only demanded more and more information from me. I was completely distraught. I hope no one has such a terrible first time experience in applying for a credit card like this. If you're a college student or first-time credit card applier, please do yourselves a favor and do not apply to Wells Fargo!

The third story was someone other than Wells Fargo deposited it. They have no records of this deposit, so my son must be pulling a fast one on me. They were very reluctant to have me email them the canceled check. After many questions from me on why she would not want the canceled check, the manager finally gave me her email. 4 hours later she phoned with the most ridiculous of all stories I have ever heard. Now, the story is because the account was closed, they sent it to their "back branch" (I have no idea what that is); due to a fee they charged the account for inactivity, which left the account negative 0.28 cents. So, they cashed a deposit check, endorsed "deposit only" to an account that is closed, which therefore does not exist, and they are holding the funds to make sure nothing else comes in. When I said what could possibly come in on a closed account, especially one that had been closed since April, she had no response.

Needless to say, corporate along, with the attorney general and the BBB, will be contacted on Monday. I do not understand how a check could legally be cashed when it is endorsed deposit only to an account that does not exist. If I find out it is illegal as I believe it is, I will get local authorities involved for theft. That is how mad I am over this. I have been calling for 3 weeks and never even could get the branch manager to call me back until Friday when I began announcing at each call how many times I had called without having a call returned. If they would have helped me or at least been pretending to help me and at least pretended to be sorry, I would not be anywhere near as upset. The manager has been nasty the entire time as if I am a pain in the neck disturbing her with this.

After 20 minutes and telling them that I was in a rush to run an errand, I was told to just sign the application, give them my SSN and I could stop back later to pick up the paperwork, and I wouldn't miss my appointment. After another 15 minutes, I was told that they could not accept my application, nor would they be able to cash my check because my state-issued driver's license had been duplicated! Are you serious? I know banks need to be safe, but with two perfectly good forms of identification, they screwed my whole day out with my son. I will look for another bank to take my mortgage and business. After reading many complaints about Wells, I will seek legal advice for discrimination.

I opened my bank account and filled out all the paperwork. When the banked switched to Wells Fargo, they closed my account because I did not have any money into my account. So, I reopened the account. When I had it for a few weeks, in June 2010, I had money in my account and I was going up to Michigan to see my kids and family from Florida to Michigan. I pulled out some money out of my account in June 2010, the day I went to see my kids. Then, I used my debit card, so all my money was at the airport. I used my card in Melbourne, Florida; and then when I used my card again after I went through security to get some food, my card did not work.

I called up the Wells Fargo branch in Melbourne, Florida on Road 192 (New Heaven Road), and they said the teller deleted my account by accident. So, I called up Wells Fargo to get my account reopened again. They said I would have to wait till I got back. I said, "If you closed my account, send me the check to where I will be visiting at with my parents." They said they would, and I said I have no money because someone screwed up and deleted my account. They said it's per the Wells Fargo human resource department.

I waited, and I did not receive any check. So, I went back to the bank to get my money back. They said they would call up the main branch to get my money back and find out where the checks went. They said, "We don't have an account of you." So, I said my account number. I went to the bank where I opened my account at Lansing Square in Melbourne, Florida. They said to call this number and that number and to go back to the bank where they closed it. I called many times, and still, there's no answer.

After a few more days, they told me to stop calling and stopping by Lansing Square Wells Fargo. So, I stopped going there, and I stopped by another Wells Fargo bank on 192 in Melbourne, Florida. I asked, "Can you please help me remind you this is the bank that closed my account?" I asked to talk to the owner, head manager, or person-in-charge. I finally talked to someone. They said, "Here's a number to call and talk to and a complaint number." I said I tried to call.

So, they called and finally talked to someone and asked why my account got deleted. They said since I had too many problems and complaints from another bank, Bank of America, they closed my account. I said, "That's messed up. Why is that? It's not a Bank of America bank; it's Wells Fargo." They hung up the phone on the banker without helping me get my money bank. They called again, talked to them on speaker, and explained to them I wanted my money today. They transferred them to another number, and a person came on and told them to hold. So we did for about an hour, and the phone hung up. By that time, I was at the bank for 3 hours, and the bank closed. So they told me to come back the next day. I said, "Ok, after I get off work."

I recalled the 800 numbers and explained what's been going on and that I wanted my money. They promised me my money, and they said to be at the bank by 12 noon. I said I work until 3:30-4 pm. They said I must show up at 12 noon the next business day and if I don't, my money would not be there. So, I took off at work at 11am, hopped on the bus, and got there at 1140am. I said, "I am here for my money." They said, "What are you talking about?" I said I talked to customer service from Wells Fargo who explained that I must be here by noon or my money would not be in my account. It was 11:50, then 11:55. They said, "Your money is not here."

The banker and bank manager said they would call them again. So they did, while I was on speaker phone and so was he in his office and told what happened again. They kept hanging the phone up on us like 3 or 4 times and putting us on hold for a long, long time. Meanwhile, it's almost closing time on the bank again, and there's still nothing after many phone calls and hang-ups and but like a half hour or hour before the bank closed. We finally talked to someone at the 800 Wells Fargo number in which I was on speaker phone with the bank manager. They told me to show up at 12pm the next day and I would have my money by that time. Then the banked closed. So, I wasted 5 hours at the bank and lost pay from my job. And I wasted bus fare to get there.

The guy at the bank told me to stop by the next day, and they said to stop by there. So, I stopped by the next day, taking off another 4 or 5 hours off work and lost pay and bus fair. I showed up by 11:45am before noon, and I explained what happened to another banker, since the other banker who I was with the day before was not there. I had to explain all over what happened again. Meanwhile a few hours went by, and still, there were hang-ups and people being rude from the 800 numbers. The bank manager from the branch was on the phone, and she said I have to fill out an affidavit and get it notarized. She gave me to another banker, and he was on the phone talking on how to fill out the form properly and step by step.

We did what was told to us by the lady from the 800 number. He faxed the form over to Wells Fargo somewhere, and they said it would take about an hour or 2 and that they would call me. Well, it was almost closing time at the bank. I was at the bank for another 5 hours, and still, there's no money. So, I called up the complaint department through its 800 number. They said we gave them the wrong information and checked the form wrong. But that's how they told us to fill out the form. We filled out the form again, and the bank closed. I have to be back the next day. I said, "What time?" The bank said by noon, 1pm.

I showed up around 12:30pm. I came, and they said at the bank the money was still not there. So they got on the phone, and they kept complaining. I waited another few more hours, and then, I finally got it. They said, "You should file a complaint for lost wages and negligence and people being rude to you and use and being discriminating." I said I plan on it and asked, "What's the address and phone number?" It were the same few 800 phone numbers. I asked for the address for the complaint, and they told me I would have to call up the numbers.

So I did, and the 800 numbers wanted to know why. I said I needed the address, and they hung up on me. I had to look up the numbers and addresses online. I wrote them 2 letters so far, and still, there's no response. And this is my third letter, and I hope I can get something for lost wages and negligence and emotional discrimination, etc. Can someone help me?

I was waiting to hear back from him when I realized my credit card still had the charged amount on it and was overdue. I emailed the agent to ask him to refund it if I wasn't getting a refinance. He responded he was starting the refund process. What a way to find out. I don't think I would have ever gotten my $500 back if I hadn't asked for it. They got two months free usage of my money. I'm wondering how many other people this is happening to.

I don't think that a financial institution with the stature Wells Fargo bears, has the rights to force its customers into delinquency in order to exercise whatever collection proceedings they feel like doing. Do not get (work with) Wells Fargo Auto Loan! Wells Fargo Auto Loan Division has the worst and nastiest policies in the US financial market. Don't give them business!

In addition, my husband and I have a joint account. But we each have to sign in under a different log in. As a consequence, neither one of us can see what the other has arranged on bill pay. Every month affords surprises about what gets paid and when. What on earth is the purpose of a joint account if the partners cannot see everything they are both doing? The balance says the same amount for each of us, but I may have some pending payments that are about to go out and they will not show up on his view.

I asked several employees about this and even went on the phone to talk to a manager. The answer? So one spouse can avoid the other one seeing what they are doing. This is absurd. Why have a joint account if there are going to be secrets? I think it is to ensure that we get confused and increase the possibility of overdrawing our account. I am in the middle of changing all banking to a local CU. I am sick to death of all of the manipulation at Wells Fargo. They are a crooked institution with incompetent workers.

At first, I thought this was a fluke, so I went to the branch and again, they put a hold on the check. The next week, I gave a check to my mother - and bam! Funds were instantly available. I learned not to go to this branch, as other Wells Fargo branches made the funds available to me instantly. The reason I'm writing this is because today, years later, I tried it again at this Aptos branch - and they gave me a total hassle about the check and wanted to put a hold on it. So I demanded the check back and walked out. I then gave the check to my mother, and she walked in today and deposited the check - funds instantly available! My mother doesn't bank at WF, so she has no personal relationship with any of the tellers. This is pure and total gender discrimination. I would write a complaint, but WF doesn't have a complaint department.

Brandy was not of the mindset that the customer is right and when I explained that Wells Fargo had so many problems with security and that this is the third time this year that we were getting new cards, she said she couldn't help me. Then I'll admit, I got mad and said we were going to move our accounts somewhere else. It wasn't my finest moment. It was what happened next that I couldn't believe. Brandy laughed, she said "go ahead". I think that is a good example of where Wells Fargo is these days with regards to their customers. If you're not extremely wealthy, they don't want your business anymore. So I say, let's help them out with their goal of losing our money and take it somewhere else!

This was the account that used to come free when anybody opened a checking account with them. Then they told him that if he doesn't open a Way2Save account, we would be charged $7.00 a month. So somebody told him that they would start one for him to get it going because this had to be done by June 18th. I checked our bank account everyday online and the next thing I know, I see every time I use the debit card, for the times I used the card, that amount is being taken out and they are putting these dollars in an account number. I have no idea where this account number is. So, I went over to the bank branch that is close to us and I asked one of the customer service people to find out where this account is.

She then told me that this account was opened in my husbands' name and that he would have to be the one to close it. My husband said that he never signed anything; they just started taking the money out. Now, I have two daughters that have accounts with Wells Fargo and neither one of them is having this problem, but they both have direct deposit. My husband does not. So I asked the woman if the fee had anything to do with that. She said that it does. I then pointed out that my check goes in direct deposit and she said that it's not enough, it has to be at least $750!

We never got any notice about this policy change. I have searched their website for some kind of notice, but I can't find anything. And I'd like to know who came up with that amount of $750?! This morning, when I checked my account, I saw another $1.00 was taken out and transferred to this phantom account. The only thing I used my debit card for yesterday was to deposit money. Needless to say, I have already started looking for another bank.