Wells Fargo Reviews

I understand that you have policies and procedures to protect the bank and I didn't mind to have my accounts closed. However, I am still struggling to get my funds released to me. Understand that I had made cash deposits and a Direct Deposit from my employer was credited to the account. Both funds are legitimate and should have been accessible to me since those funds are entitled to me and they came from an employer. I understand there was a hold in place to ensure that debits were covered. However, it has been over a week the account was placed on a closed status. I know that if an account is placed under a closed status, debits are not honored.

I had visited your banking center on May 31 and spoke with a manager. He escalated my issue to Loss Prevention and I was advised to come in to a banking center next day (June 1st) to speak to a manager or a banker to have my accounts lifted by a Loss Prevention representative. The reason why they could not lift the hold was because my direct deposit was still under Pending status (that I understand). So I had left my work early on June 1st and I arrived at your Wells Fargo banking center at 2:30. I had shared the issue to the banking center manager and he said that he would escalate this to his operation manager. Three hours later, I was informed by the banking center manager that they could not lift the hold. I was furious.

I was informed that if I had visited the banking center, that the hold will be lifted and it took 3 hours for me to find out otherwise. I was so frustrated because I was promised that I would be able to access my funds and now I am unable to access funds entitled to me by direct deposit. I was so livid and decided to leave the banking center. I had called Loss Prevention to express my frustration with them (1.888.231.0757) shortly after I had left the banking center (they were already closed, I was the last customer). After 15 minutes talking to a representative name Ruby, she informed me that she was able to lift the hold and if I were able to go back to the center. I informed her that the center was closed. She also shared with me that a phone call was never made! Please understand that my time is valuable to me (I am also a branch manager of a bank) and to find out that a call was never made.

After I had waited at the branch for 3 hrs (What kind of service is this?), she was able to lift the hold and it took me 15 minutes to talk to her (an individual who doesn't work for your bank). I was able to get it resolved when your own associates took 3 hours without any solutions. And, an attempt to call was not even made and I was forced to wait for 3 hours. I am a single mom and was unable to pick up my daughter because I had to wait for 3 hours at your banking center. I am so disappointed and, to be honest, disgusted at how I have been treated. I was informed by Ruby to call today (June 2nd) to Loss Prevention and I had called this same department (1.888.231.0757) and I have been put on hold for: 82 minutes!

While I'm typing this complaint, I am still on hold. Is this how you truly take care of your customers? This is horrible service. I expect some type of letter of apology on how I was treated as a customer. Understand since I work for a bank, I know your policies and procedures when it comes to risks for the Bank. But the way this was handled is very disappointing. I do expect a phone call. This was handled so poorly.

My family cannot live off of $8.00! This is not the first time I've had issues with them. Every time I go inside the bank, I am constantly harassed for additional crap I don't need. Why don't you pay attention to what your customers say and actually try to serve them instead of talking down to them like you're doing them a favor? We give you your power!

This happened five months in a row! And my payments were past 30 days late each time due to Wells Fargo's customer service. I found out in the fifth month that the stop pay is in place for six months, which I was unaware of. Nobody advised me this before or over the previous five months. Why on God's green earth would I perform a six-month stop pay on my mortgage payment? I've been trying for another six months now to get a letter from Wells Fargo to write a letter for me to submit to my mortgage company in order to correct my credit report. I spent over nine hours on the phone (trying to talk to the incompetents, on hold, being transferred being lied) and still haven't been able to get a letter from them. I've been wanting to refinance my mortgage; however, I can't for obvious reasons. I can't wait to pull my money from that institution and go somewhere that knows how to handle matters and deal with customers. Stay far away from this bank and save yourself a lot of grief and stress.

This is the first time this has happened to me (I have been a customer for 10 years all the way back to CoreStates), so I called the 800 number for customer service for an explanation. The rep I talked to stated that Wells Fargo did not feel secure releasing those funds to me until the payment source was verified by the Federal Reserve. Excuse me? **? It's not like I deposited a check for $10,000 (let alone write checks in amounts over $200). However, Wells Fargo still went ahead and deducted their overdraft fees from that total amount in the meantime, I might add. No need to verify that with the Federal Reserve.

The rep said I could have avoided this whole mess by making a cash deposit. So what was I supposed to do? Go cash my checks at a check cashing store and then deposit the cash into my Wells Fargo account? And pay more fees? What is the point of even having a checking account with Wells Fargo in the first place? When I explained this round-about way of getting access to my money and asked her if she understood how ridiculous it sounded, she was very rude to me. And her whole tone gave me the impression that Wells Fargo was doing me a favor by holding my checks. She also said that I could call back at 8 am tomorrow morning for a more detailed explanation and status update. But she didn't want to get my hopes up because it's a holiday weekend. Thanks for your concern, Wells Fargo. Too little, too late. I am currently shopping credit unions and community banks.

I have called Wells Fargo, and gone into the bank. I get a different answer from everyone. I have had problems with Wells Fargo for months. Nothing makes sense; they continually put payments through and then a few days later, overdraft fees are applied. I get the runaround telling me it's how their system works. It takes a few days to process payments, blah, blah, blah. It's very clear to me they are making a killing on overdraft fees. I do not make very much money and now have no money for four weeks because of the $700 check.

On 5/1/2012, I checked my bank account before sitting down for dinner with a few friends to find out that my bank account was in a negative state and my check had bounced. From then on, I did not spend any more money from my account and made a call to customer service. The person I had spoken to had explained to me that my check was returned, because my check had not been endorsed. So the next day, I went in asap to endorse the check and redeposit it.

A few days following that, my account just kept going deeper into the negatives, because the transactions I had made before my check bounced were all pending and had gone through. One transaction was through a single PayPal charge, but Wells Fargo charged me three different overdraft fees of $35 each for each eBay item I had bought (Neither of the items were even over $5.). Then I was charged another overdraft fee for a pending Wal-Mart transaction of less than $10. Altogether, I spent probably less than $30, but I was being charged $140 of overdrafts.

The following day, I called Wells Fargo, hoping to take out my overdraft fees. The lady I had spoken to on the phone had informed me that I only had three overdraft fees. After arguing for almost 30 minutes about taking them off, it was finally agreed that two charges would be dropped and I would be paying just one charge. At this point, I was too angry to deal with someone over the phone who was not taking my problem seriously at all.This woman showed an obvious disinterest and completely ignored the idea of good customer service.

A few days later after constantly checking my bank account, I still had a huge negative balance that I desperately needed to resolve; and my paycheck was still nowhere to be found. I called customer service once again to once again speak to another **. This time, I got furious, because after taking off two overdraft fees, I still had another two that I needed to pay. No matter how many times I explained my situation to this guy, he would repeat the same thing to me that it was my fault and not Wells Fargo. Well excuse me if I, in any way, could make even a single dent on a huge corporation with my account overdrawn by barely $30. I ended up furiously hanging up the phone, because I could no longer deal with such incompetent service.

On 5/11/2012, I went to my Wells Fargo branch to deal with this situation in person. I had paid off the overdraft fees and was now just trying to find out where my paycheck had disappeared to. Everyone I talked to kept telling me that it was in the mail, but there's no way that it's taken almost a month to get to me. As far as I know, the Wells Fargo office is located in America, and it should have taken 10 business days at most to get to my house.

On 5/16/2012, hopefully for the last time, I called customer service, inquiring about my check that was supposedly in the mail on its way to being delivered to my house. The lady I was speaking to on the phone seemed very polite at first, and I was in no mood to argue with yet another rep. She told me that it had only been 10 days, which obviously, I have been dealing with this situation for much longer than that. I told her that I wanted to cancel my debit card since I plan to discontinue services with Wells Fargo. Now this rep seemed to take it to her personal offense that I was cancelling my account by saying "Now all this is not the fault of Wells Fargo. You don't really have a reason to close your account."

At this point, I was on my last nerve and had an intense urge to scream my head off over the phone, but I just explained to her that my business with this bank has "no effect on your employment with Wells Fargo or your paycheck, so this really has nothing to do with you." Other than the terrible customer service I have received over the last month of dealing with Wells Fargo, I am absolutely unsatisfied with this bank and would not recommend it to anyone.

They will definitely be hearing from me again if I do not receive my check by tomorrow.

So, I closed my account. Or I tried to close my account. Actually closing it was an exercise in frustration. I tried closing it on the phone. Nope, not allowed with money in the account. So I went back into a branch, withdrew cash, and called back. Then I was told that I need to wait until 8am the next day to close the account. So I called back at 10am the next day, and guess what? I had to wait another day to close it. Really, Wells Fargo? Really? This is what we get from banks that are "too big to fail."

The manager of the branch told me they had told me earlier that checks take a while to go through, never did I imagine that he meant a check written on his own bank. Besides, several tellers on Saturday, when I asked, said that I would have ATM access to my money right away, no problem. And in the past, I would just go to WF and cash the full check with no problem and if I had just done that instead of depositing the check, I would have been fine! I know of no other bank or credit union with such audacious banking practices. In fact, in the past, Bank of America cleared my paychecks written on Wells Fargo account in less than 24 hours.

On April 3, according to my online statement, that AT&T payment had been made, leaving me overdrawn. On top of that overdraft fee, there were now two fees for the transfers I had made based on the information online. On April 18, as I sat in Critical Care waiting room waiting for my son to get out of brain surgery, I received a call from the Wells Fargo overdraft department. She asked when I would be paying that overdraft amount on the old account and I said that I got paid on the 20th, so it would be $100 after that date. She said that was fine - no mention of anything else.

A few days later, checking my account I saw that a transfer was made from my Way-to-Save to the overdrawn account. I thought I had seen it as $45, and then I transferred another $65 to make up for the amount that I had said I would pay. Still in critical care with my son, on the 29th, I left for a bit to get some lunch. I attempted to get gas and my card was declined. I checked online and saw that on April 27, Wells Fargo had transferred $531.56 from the new account to cover the overdraft in the old account. I had absolutely no warning about this - I had used the debit card the same day as the transfer, which doesn't show up until after midnight. I had written checks. Now I was looking at not only not having money as I sit in a hospital with my son still in critical care, but the overdraft fees coming in for the purchases I had made thinking I had money. With a payday coming up, a good portion of my check will now be eaten up with these fees and I'm not sure we will be able to pay the rent.

I called Wells Fargo on April 29, obviously upset and was told basically, sorry that's too bad - it's stated in the deposit agreement that we could do that. I explained that I had spoken to someone on the 18th about a payment and was told it was fine. According to the representative, this is what happens when you don't keep your promise. When I had thought the Way-toSave transfer was $45, and then transferred $65 to more than make up the $100 I had said, I had read it wrong and there was only a $25 transfer from the Way-to-Save. So really, I only paid $90 rather than the $100.

I tried, tearfully I'm afraid, to explain my situation, my son in the hospital, my money being gone, etc. I was given no help, no sympathy and was told it's in the agreement. If I have a problem I can write and mail a letter. I asked to speak to her supervisor or someone else. She told me that anyone else would tell me the same thing and did not transfer me. I asked what the hell she expected me to do now that they had stolen my money, and she told me she would hang up if I continued to be abusive. I do regret that, but I was calling from an intensive care waiting room, where my son has been for almost 2 weeks, and I had basically had my money stolen from me by my bank.

I called back the next day, and that representative did express a little empathy, but told me the same thing - it's in the agreement, write a letter. When I expressed my frustration that no one could help me, I've been a customer for years, and was she telling me that it was all the computer and there was no way a human could help me, she said that she could reverse it, but then she would receive an email that it was not a bank error and she should not have reversed it and she would get in trouble for that. I could write a letter and maybe they would reverse it and I would get a refund in that case, but in the meantime, yes I was going to be hit with overdraft fees for money I had spent not knowing they had wiped out my account.

I have emailed the rep who opened the newest account, as well as the rep who opened my other accounts. I have had no response from anyone, and it is hard for me to make a phone call from the critical care unit. Not to mention I'm under enough stress, without dealing with this and getting on the phone and basically being told I don't count for anything to them, other than the ridiculous amounts they make off overdraft fees because their online system doesn't represent that day accurately.

Today, I have several transactions that have posted, and 6 overdraft charges. I get paid Friday, but several hundred of that will be gone due to these fees. My son is still in the hospital and I am not at work. Is there any other recourse?

Day 2, on 4/18, I called again. No money in my account. I was on the phone for 1 hour with customer service for BofA. I said I needed a supervisor. Travis got on the phone and said he would reverse it through Western Union, as that how it came to them. On day 3, 4/19, I called back and I was still out of $3,800.00. This time, customer service said that it would definitely go out today and be back in my bank on Friday (4/20). Day 4, 4/20, still no money, I called this time and another customer service lady said that a mistake had been made, that they would get it back to me, but couldn't be done until the following Monday.

On day 5, 4/21, Saturday, still no money. Day 6, 4/22, Sunday, I checked my account, still no money. On day 7, 4/23, Monday, I waited until 2pm with no money, so I called again. This time customer service says they see it leaving and to check my bank tomorrow. Day 8, 4/24, Tuesday, I checked my bank, still no money. I called back and stayed on the phone for another 45 minutes. I explained the entire situation over again. The customer service department promised that they see it going out and my money will definitely be there tomorrow. They said that the service rep before her misspoke and that it normally takes 48 hours.

Day 9, 4/25, no money. I called back and this time, a 35 minute conversation. Customer service said that my money left on the 24th, but they don’t know where. Day 10, 4/26, still no money in my account, I called back and requested for a supervisor. I was very angry. The supervisor stated that they saw it leaving and it usually takes 48 hours. It should be there for sure tonight.

Day 11, 4/27, I call Bank of America back. It was a 15 minute conversation. I was finally transferred over to their payment processing team. Finally, I reached someone who said something different. He was very helpful. He stated that I needed an MTC number. He called Western Union for me. They stated that they needed the MTC (money transfer control number) to look up the reversal. We were on hold with Wells Fargo for another 28 minutes, until they got the MTC number. That is where I am currently at now, and supposedly Western Union has the money, that Wells Fargo uses. They say now I might have to go to a Western Union to try and get my funds, all because I made an online bill payment to pay the same day through Wells Fargo.

I have no norm. Its common sense, if a card is stolen, for an $8.00 purchase? Husband used his card: $45.00 at gas station and $164.00 at Walmart for food and necessities. Three calls shown when we got home and one early this morning which when answered said from Wells Fargo Fraud Department. Since I do not, nor should anyone reply to calls, I called directly to bank and questioned. A block had been put on it and was told that it was probably the purchase at Walmart. We would have been stopped from anymore purchases which could include a vehicle problem, had stopped at restaurant but paid cash. But had we relied on our card and do not own a cell phone, we would have created problems. These purchases are not extreme, unusual and within area. I traveled to another state, over 1,000 miles away, for the first time in 10 plus years, used the card numerous times with no problem. Own area, problems?

After the wire transfer was sent, I called Wells Fargo customer service to see how long the transfer would take and they rudely informed me that I would not be receiving the transfer for they had closed my account. This was done with absolutely no prior warning either by mail, email or phone. Furthermore, to open a new account so as to receive the transfer, I was told I must first pay them for an overdraft incurred when the money was first stolen! Despite the rude agent, I kindly requested if they could open an account with the negative balance and once the transfer was sent again, the overdraft would be taken care of.

The agent rudely said "no way" this was possible and I would first have to pay the overdraft. Keep in mind that all my money and savings had been stolen! I have never been more furious in my entire life! Not only do I now face eviction, I have had no money for months, thus no food! I have had to rely on food banks for meals! I am done being a Wells Fargo customer and have advised all my family members (20 in all) who have Wells Fargo accounts to close their accounts and move to other banks. My advice to anyone reading this, do not do business with Wells Fargo! You could lose everything!

I said I applied a year ago with Wells Fargo and they said no because of my income. I don't want to go through it again. My income hasn't changed. She proceeded with "that was last year, things have changed here", so I applied. I also added my companion, he has a higher income so I thought "well this will be better, his credit is paid on time". So I told her I have been a customer of the bank since 1987! I have a car loan with Wells Fargo for $17,000 that I pay on time and a mortgage on time, etc. So she said, "that is great, thank you for being such a good customer! We will be finished in a minute and I can tell you what the decision is. But first, let's go through the payments and what it will be on a certain amount". I said okay, excited to finally be able to pay off the debts sooner.

I am adding the approximate amounts I owe (only approximately $3000). I told her, "let's go ahead". She said, "Would you be interested in any other loan products before we continue?" I said, "I am preferred according to you right?" She said, "Yes, that means your information with the bank is a preferred customer for a loan." So she ran it all through and came back and said "I am sorry, you have been declined! You will get a detailed letter explaining why." I said, "Why did you again, like last year, tell me I am preferred based on my accounts to apply for a loan?" She couldn't answer me.

Wells Fargo needs to get it together. They are dragging people into a process, in a vulnerable time of their lives, maybe just for the numbers. They know people are going to be turned down, they could care less. The loyalty of being a customer with them since 1987 with absolutely no overdrafts or any bank account problems in all those years gets you nowhere. Perhaps I need to take the loan and the account out of Wells Fargo, it is time. Enough is enough.

How can they put an ignorant person in charge? I'm a US citizen and because I was born in Venezuela, I have double citizenship; therefore, my Venezuelan passport doesn't need to get stamped when entering the US. But Wells Fargo staff is so ignorant, and with no education. I showed her my passport as a form of ID, not to show her my legal status in the US. She was ridiculous, incompetent, and didn't use reason, and this is the person they qualified to be in charge of the branch. Shameful.

Then I accompanied my landlord to Wells Fargo with my documentation. They looked at my stuff, agreed that it was strange that it appeared as though it had gone through and that I seemed to have enough money but again, told us that my check had bounced for insufficient funds. I had them speak with my BoA customer service rep and Wells Fargo suggested we wait over the weekend and see if the money bounces back into my account. Fine. I called them Monday morning again asking them if they were 100% positive that it was my check. They said yes and that it still had not gone into her account. I called yesterday, same result.

Yesterday, late afternoon, they called my landlord to state that they made an error. It seems it was not my check that had bounced. It was another tenant whose check was for the same amount. Such sloppy banking. It's not a big deal to them, but I spent 5 days stressed out that I had lost $1700 (well, it felt like $3500 since I had to give her $1800 in cash after my check had cleared and Wells Fargo "couldn't find it"). That's a big deal to me. I know that other posters have more serious issues, but the stress made me ill and I lost a job because I've lost my voice.

Several months later, I noticed that the balance had not gone down as much as it should have. I looked further into this and discovered by had been charging me late fees for 7 months, $35 each time! When I called to inquire about it, they stated that the payment can take up to 5 days to process. When I explained that I was paying them based on their stated delivery method with Chase, they stated Chase would have to send documentation stating this. I followed up with Chase, who did indeed send a letter documenting when each month's payment was sent to Wells Fargo, and subsequently received. After a few weeks, I received a letter from Wells Fargo stating that their fees were correct.

This is a very deceptive business practice. It is not clearly stated on their invoice. It's hidden on back of statement, in fine print in the middle of a paragraph, and not clearly stated, nor are they communicating this to other financial institutions. The delivery method time frame should correctly reflect their processing time so that consumers aren't hit with bogus late fees! So, now I'm out $200. I was so upset. I paid off my balance today, and cancelled the account altogether. I will never do business with Wells Fargo again. If I find the need to finance another project, I will move heaven and earth to come up with the funds if Wells Fargo does the financing for the retailer. Beware of Wells Fargo! When I googled "Wells Fargo late fees," I found I'm one of many to be duped by this deception.

Also, I received a message last night from a friend of mine that they have contacted him concerning me. I did not know this individual when the original contract was signed with Wells Fargo. So now they are somehow, some way, finding out telephone numbers for my friends who know nothing about my personal issues and asking them how they get in touch with me. Of course, these people are not telling them anything, but I am in such shock over this situation I don't know what else to do.

Also, I have spent quite a bit of time in doctor's offices and in the hospital over the stress that these people are causing me. They have threatened me, they have sent people to my house who have threatened me, and I cannot, physically or emotionally, handle much more. I do hope that you can help me with this situation. The State of Tennessee has sent out letters to locations in Iowa and in Houston, Texas - neither of which are the addresses on the statements that they send to me. All of the addresses on my statement state Phoenix, Arizona and the number showing up on my caller ID and being left in voice mail messages (up to an average of 9 per day) are all 605 area codes.

I have documented at least 4 calls and 3 faxes of the same documents to their Property Loss Department. I have 3 saved voicemail messages from Wells Fargo stating that they have received my documents. I have continued to call to request release of the funds with no success. I would like to have Wells Fargo send me the entire amount of the check that was addressed to me and my husband in February. Thank you in advance for your help.

Wells Fargo seems to care less, because they got their money. What about the loans I can't get or the higher rates I have to pay? They have damaged my credit, robbed me, and still costing me money that I can't get back. I have been fighting this for sometime. I'm not going to wait 7-10 years for it to fall off my credit for me to have credit. To add, I have a high interest loan for a vehicle that I needed and I had no other way with us, two working parents, of 3 kids to get where we have to. I had to pay for it, because Wells Fargo screwed me and still screwing me after "fixing it". So, yes, I am filing complaints on this company.

Then, the next month, the same thing happened, even though I paid on time. They said I needed to pay $19 to bring my account up to date. Fine, I paid it. Then, it happened again in January. I was pissed at this point. I asked them what my normal payment was supposed to be. They couldn't give me that information. They stated to review my statement but still wanted me to pay. I said no and I would check my statement. The statement indicates a past due amount then a late fee for the past due amount of $12 and late fee being $35. I was told my payment in the beginning was $35 a month. **. This was going on with my payment as well.

Last month, I looked at my statement and paid the past due amount immediately and took that off the minimum payment due, thinking it was included, but I guess not. I schedule payments on Monday for this month’s payment and the past due amount. I received another call today about payments. I told him I scheduled them on Monday and he asked when I scheduled them for. He looked it up and said yes, I see that you have so I asked him why you are calling me then. He stated that I have to tell them that and I said why don't you check before calling me? He said he couldn't.

They were calling my work 3 times a day and left no message for $12. I know I will never deal with crappy company ever again. I am going to take out a low interest rate loan to get rid of them. I have owed people more money then I owe Wells Fargo and they do not call unless I am over a month late. Ridiculous company!

Having taken care of everything else, I remembered, and from the notes he left, I was to go to the bank and remove what was in Safety Deposit Box **. I went with will in hand and any other paperwork I thought the bank might need. Well, to my shock and surprise, the bank manager would not do anything because the will had not been probated. It was my understanding that all I needed was the death certificate and the will, which I had. So, my question is, was the bank manager right? Do I have to have the will probated before I can have access to the safety deposit box? It seems to me that's none of his business. All I thought he needed (per Mr. Robert) was the death certificate. Can someone answer this for me please?

We had no idea this line of credit existed, until we received a call asking us to pay $400 plus to satisfy the account or they would report it to the credit agencies. Not having knowledge of the account, neither of us paid a thing. We are also aware that the statute has run and it legally could not be reported to the credit agency. Well, they did report it to both my father’s credit and mine. It appears the bank posted a $2 payment to the account to make it active, so they could report it as a charge off as of March 2012. What can be done to get this removed from my credit report and what laws has the bank broken?

This second payment was for March 18’s payment and is only 15 days late. She became extremely agitated and yelled that I had been late on every payment and this was going to stop. She threatened to reject the payment I made on the 28th and repossess the car. I told her that I had been out of work the previous year and my income had dropped from $350K to $30K; I had brain surgery in February and I suffer from Parkinson's and was doing my best to get caught up. She stated that she did not care to hear that and that the calls would keep coming until I pay up to date. She added that if I did not want to have the car repossessed, I cannot even be one day late. This puts enormous pressure on my health. I immediately was ill, vomiting and shaking from this horrible exchange.

As requested, I immediately call the friendly customer service representative at Wells Fargo fraud prevention. After establishing my identity, the friendly customer service representative simply says, "I am sorry, I cannot help you." Of course, I ask for an explanation as to what happened and why my account was temporarily frozen pending my call to Wells Fargo's fraud prevention department. Once again the customer service representative says, "I cannot help you.” After I attempt a bit of failed persuasion, the customer service representative tells me I must go to a Wells Fargo branch office to discuss the unknown issue. I explain there are no Wells Fargo branch offices anywhere close to me and forcing me to visit one will be a great inconvenience. I once again request just the basic reason for this requirement. Again I get the I-cannot-help-you response. I ask to speak to a supervisor, hoping sanity will prevail. No luck, just the we-cannot-help-you comment. Amazing!

Having access to a computer, I send an immediate request to Wells Fargo credit card services for assistance, hoping someone in Wells Fargo is sane. The response I get is—you guessed it—for me to call Wells Fargo fraud prevention who will be pleased to assist me to resolve the unidentified issue. An amazingly silly circular form of assistance. Actually, this is good thing as I have been displeased with Wells Fargo for many things for a long period. As a result of this fiasco, I was motivated to request my Wells Fargo credit card account be closed immediately. Of course, since I don't know and Wells Fargo finds it unnecessary to discuss the unknown issue, I fully expect some additional silliness from Wells Fargo.

The problem with this was $931.09 of this extra payment was applied for interest adjustment. I wrote Wells Fargo, and they said that this action was correct. Since this 11/09/2011 application to my account, my principal has remained the same. I've made 4 payments with my principal remaining at $19,333.96. I request assistance in correcting this matter.

I asked for the manager after I had to ask for a confirmation number for my online payment. It was not freely offered. The manager amazingly not only had the same name as the CS rep, but also the same voice. He would not remove the late fee so I asked for his manager. He said there was no one above him "because I work off the same system as they do, so we all do the same thing". This is unacceptable that I was never told originally that I could make a payment over the phone and also that he had no one over him who could assist me. Also, he said "you might think I am the same person because I have the same name as the CS rep, but I am not. I am the manager over him". He was the CS rep because he had the same voice and he did not transfer the call. He just put me on hold and came back on the line and introduced himself as the manager and "don't worry, I am not the CS rep, I just happen to have the same name, but I am the manager. Believe it or not".

This is totally unacceptable. I just happened to receive a payment one day late both times when they had a week to get to them, so I will go to the top of the company and anyone else until I get the late fees removed as I was never told we could make a payment over the phone. The CS number on the bill has a phone tree that tells you how to go on the website, how to get help by going online to the company website, which is of no help at all. Not being given a number to push or told to remain on the line to get a CS rep, which you cannot, is unacceptable. You are not told, pretend you do not have a push button phone and you will get a CS rep to speak with you concerning your account. This is not the way to run a CS company call center. I have worked for call centers for over 20 years and have never had anything like this in my life. This is not the way to do this, it is in the negative column as far as customer service, or lack of, is what I see it is.

Someone who is in charge of the company needs to visit a call center that is ran properly and then make their work like a successful CS call center because all the complaints I found online when I went to file the complaint is entirely the reason why I'm here now. Whatever you do, you do not want to use Wells Fargo because they are trouble from day one (minute one). You will be sorry you even heard their name. This company is terrible and I would not recommend it to my worst enemy! Beware, use any company but Wells Fargo!

Two days later, I see a $20 Monthly Service Fee on my online statement. So due to my confusion, I dialed the "customer service" number on the back of my beloved Wachovia card, lucky me, I got Tom. His tone from the start told me that he was going to be a jerk but I thought maybe it was his professional evening voice. Not the case! Tom was condescending and very short with me. He had me repeat everything and when I asked questions about the charges, he seemed bothered that I had called and was asking questions. I finally said, I am sorry but did I not call customer service? There must be a communication problem because I am calling for your help. He kept saying "I am trying to help you.” Basically, it took all I could not to curse at him. If it was not 10pm EST, I would have walked to the nearest branch and closed all of my accounts today.

I had been with Wachovia for nearly 10 years and had never been so rudely handled by someone on the phone. I hate Wells Fargo. I am going to close my accounts this month. I hate them! I went into a branch for help, and honestly going into the bank, I was worried because the agent dressed as though she was a part-time nightclub dancer. She did not look knowledgeable about banking but I did not want to prejudge. Sadly, this was not my first encounter with an agent that did not fully understand or articulate their banking services. But the more I think about Tom and how he did not want to help me or answer my questions, really upset me. I am going to call tomorrow and see if I can get someone else who can help me. And I will not go back to that bank in West End side of Atlanta.

I again explained to her that this was a student account and the student has no income so she doesn't have the $500 minimum direct deposit. I added that she can't maintain a $1500 balance because I give her money each month and can't afford that. I'm a teacher and we are taking more pay cuts in our county! She said "sorry". I then asked her if I should find another bank and she replied "yes". So, I said, "So you're telling me that I need to leave Wells Fargo and find another bank?" She replied, "Yes, that's what you need to do!" So, since Wells Fargo has asked me to leave their bank, I guess I have no other choice. I will leave because I've been asked to, but please train your employees better than this! She could have at least asked her supervisor. I know, she doesn't have authority to do anything. But charging students a $7.00 fee per month is ridiculous! I am in the process of opening up my accounts at Delta Community Credit Union. I'm taking Clark Howard's advice and leaving the mega-banks!

I asked for a supervisor. His name is Kraya. I explained to him what happened. He got into a temper because I told him that its a Wells Fargo banker’s mistake, please correct it. I also asked what if I am outside the USA. He started telling me that it’s all hypo questions and he doesn't believe in them or start explaining me totally different stories to prove me wrong. He said that I did a mistake calling Wells Fargo’s 24-hour line and that was my mistake to talk to new hire Sara. I explained to him that I will be asking for Bay Area News to have to type an article on this incident.

On top of that, we have our mortgage with Wells Fargo, which didn't seem to matter to these people. The slap was that they will hold all our funds for 10 days before they release the money to us. In the meantime, I have to scramble to cancel direct deposits of our paychecks. We had $40 between us in cash that will have to last for 10 days! I am completely disgusted with the Wells Fargo and their complete lack of customer concern or service. This is a prime example of why these large banks should be regulated as to protect the consumers rights. After all, this is my money and this came about though no fault of my own.

Their fee is higher than the federal minimum wage. Someone struggling to work 40 hours one week, may as well work 39 or stay away from Wells Fargo! I will never step foot inside one of their buildings and go out of my way to make sure that nobody else does!

Phone: 1-877-250-2265, email: officeofthepresidentdealer@wellsfargo.com, address PO Box 168071, Irving TX 75016. There is not a thing I can do to get my truck back, but if you want to do a girl a favor and let big businesses know we are sick of it, give a call or drop an email and tell them Cindy said hi!

When I explained this to the banker, he had the audacity to tell me that if I never use the account, I shouldn't have had it. The reason I still had the account was because I had transferred the majority of my money to a local bank which provided a high interest rate. I knew that in the near future, I would be moving to Texas where I would not have access to the local bank. I had planned to transfer all of my money back to Wells Fargo prior to the move. Not anymore! I was told that they could only see the last two fees applied to my account so that was all they could refund. I'm outraged that there was not a system put in place to verify I had been notified of the new terms and conditions of my account. I had been in the bank for numerous other reasons in the past 18 months, and nobody ever bothered to notify me there had been changes to my account. I'm even more outraged that I was told by a banker that I basically had no business holding the account!

In the morning of March 1, they said I had negative balance of $146.00 which my association check of $435.00 went through and then the charge of $4.19. I am aware that my association went through. However, I called Wells Fargo and explained that the charge of $4.19 was a debt and that it had gone through and posted my account. Marvin, Wells Fargo manager, indicated that it was a pending post and that it had not cleared. When I tried to explain to Marvin that the charge was taken out of my account and that 1 overdraft fee should be applied, he indicated that "I I should manage my account better". In frustration, I hung up and decided to file a complaint on Wells Fargo.

I believe that they placed the charge after my check went through as I have seen the account and debit was taken from account. This is a complete rip off. I am a single mother of 2 boys and yes again I am aware that my association check went though. However, I also believe that Wells Fargo manipulated my account to overdraft me twice for a total of $70.00.

Arturo, in the Repo department researches this and determines that three of the 6 payments sent to WFAF were redirected to WFDS, and three were not, and that WFAF cut me a check on the 16th of February, and the agreement was, they would put a hold on the repo, and I was to take the check to the bank, cash it and make the payment at the bank. Not trusting this would stop the repo (that shouldn’t be in process in the first place), I make another $1,500.00 payment on 2/18, which clears my WF checking account on 2/22. On 2/23, Arturo says it hasn’t posted in his system, I sent him my bank statement showing it cleared my account on the 22nd. It didn’t show in system until 2/28! I called on 2/20 and spoke to Tasha, who tells me the check probably was cut on 16th and mailed on 17th, so she asked me to wait until Thursday, the 23rd, which I do, and when it wasn't received, I called again and spoke with Jason, to whom I explain the entire nightmare.

I told him that I never received the check from WFAF that Arturo TOLD ME they cut on 2/16, he then tells me its showing as an electronic transfer and to check my bank account because it was probably a wire transfer, so I did, and I had no transfer, he then says he never said it was a transfer, that it was sent back to online services , and when I asked what that meant, he repeats, online services, so I ask again, exactly what does that mean? He then tells me I need to call WFAF and find out from them what they did with the money.

So I contact WF Auto Finance on 2/23 and spoke with Tiphanee, who requested for the statements showing the payments were made to WFAF and that she will have an answer by Monday /Tuesday (27th or 28th). When I didn’t hear from her by the 28th, I called, left a message and emailed her. I finally hear back from her on the 29th via email, in which she states account investigations is requesting for copies of my statements without items blacked out so they can check to see of the amount was credited back. (if it had been, why would I be looking for it? ) I tell her the items blacked out are my personal deposits and paycheck and those items are irrelevant and none of their business, and that all items relative to this situation are highlighted clearly. She states that she can’t help if I’m not willing to send the statements, so I send them again.

I also go into the local branch today, 2/29 ,and explain this nightmare to them, and that I’ve been pushed off for more than 3 weeks, been asked to prove over and over I made these payments, been told they’ll get back to me and nobody does and I want it fixed. The CSF then sits on a phone for 20 minutes and says nothing, speaks to nobody and when I asked what he was doing, hangs up the phone and says he’s trying to fix this, but he was on the phone with WFAF and that wasn’t the correct department! So, I tell him it is the correct department because they are the ones that have my money! At this point, I’m seriously agitated and loud, some other guy comes over and tells me to calm down, and they try to take me in a back office, I refused and said, I will calm down only when someone finds my money and gives it back. I left, and told them I would be contacting the news and the state attorney and the Board of Directors.

If a customer pays a WF loan out of a WF account and WF can’t figure out which WF department has the payment, our banking system in the country is beyond help.

I am asking for your assistance in helping me find someone that will force them to locate and return the $1,500.00 paid to WFAF that was supposed to be returned to me three weeks ago. I've emailed the Board of Directors of Wells Fargo, as well as the local news station. I'm at the end of my rope. In this economy, with all of the banking problems in this country, treating a paying consumer this way is disgusting.

Nonetheless, after a full year, I received my $25 back. In my attempt to cash it at Wells Fargo Bank (formerly Wachovia), the teller indicated he could not cash it because my license had expired. I had explained to the teller that I lost my license and I kept this one (the expired one) in the event I needed it for identification purposes. I also advised the teller that I put an order in through Florida for a replacement license, but because my license was expired, they could not cash it. Let me tell you. I have been unemployed for over 3 years now. I do not have a sustainable income and my unemployment benefits expired months ago, so travelling 12 miles one way to a bank with almost no gas in my truck to be told no due to license expiration is absolutely ludicrous! Since when does Wells Fargo become the license police?

Although my license was expired, I had put in for a replacement. So, des this mean I am no longer Bruce **? My license is not used to drive a bank vehicle. My license is used for identification purposes to identify the license holder against the name on the check. What I had to go through? What I had to put up with just to get my $25 back after a whole year is absolutely unacceptable! That is, too travel to a bank (24-mile trip) with almost no gas to be told no because they don’t recognize someone who isn’t legal to drive, although I was because I printed out my replacement license documentation to carry with me and to show my license expired in 2019. To treat a customer in this manner demands answers. I am consumer with a valid complaint against a bank who basically slapped me in the face with this situation. I just wanted to share this with someone who may actually care how institutions are treating customers.

As I live in Australia, this is not really an option. So I wrote to the head branch and sent in my last check along with a letter to verify my existence. I received a letter back from Nancy ** stating that my account had been reactivated to please log in online. Should I continue to have problems, please contact the Online Banking Department.

I still could not log in so I contacted as indicated February 20, 2012 at 3:57pm GMT+10 and spoke first to a woman who was unable to help me as I did not have the exact month that I opened the account (remember this was 18 or so years ago!), despite knowing the location of the branch and the cosigner, so I asked to speak to a manager.

Quinton was not only unhelpful, he put me on speaker phone and had everyone laughing at me in the background. Then after 30 minutes of mostly being on hold, he hung up on me. He refused to provide me with any customer service numbers, or any ability to escalate the problem. I still cannot login, I've spent over $20 in international phonecalls, and Quinton should be performance managed out of his position if he is unable to address customer service needs.

My paycheck was not pending, but had posted, and so did all my transfers, post when I checked online. I called Wells Fargo immediately, and asked them why my balance was negative $900. They said it was temporary, but that my check was placed on hold, until the 23rd. I told them I was not notified on my ATM receipt, and they could not give me a clear explanation as to why I was not notified. They didn't guarantee that my $35 overcharge fee would be waived if I was charged, and that my funds aren't available until the 23rd.

To avoid a $35.00 overdraft charge, I had to transfer enough funds to cover the negative $900 to bring my account to 0.00. Plus, they charged me $13.00 for my monthly fee, and gave me $0.01 interest all at the same time they turned my balance over. This is horrible and sloppy. I can't make any purchases with this account, and it's a huge inconvenience, because this account was specifically designated for utility bills, gas, car payments, and groceries. How can they give me my money, and then take it back?

I call the regular customer service and they can't access my accounts because they show as closed on their end. I contact the overdrafts dept. and they show my checking account actively open, and in the negative. They refuse to reverse the charges and, because I just want them to go away and I'm willing to pay them to do that, I offer to just pay the stupid charge even though it's an error on their end. However, they refused to accept a payment from me.

It turns out Wells Fargo was making a change to their customer contracts on Feb 15, 2012 forcing any remaining customers with open accounts to give up their right to sue or collect settlement in any class action lawsuit. I happen to fall into the group likely to receive a small settlement from a recent class action lawsuit which I will no longer be eligible for as it's now past the 15th and since my account was secretly left open instead of closed a month ago, I am subject to the new contract. So basically, Wells Fargo lied to my face when they "closed" my account, then locked me out of any communication so I wouldn't discover this, then refused payment when I did discover it open and overdrawn as I that would have "properly" closed out the account a day before I lose my rights to any class action settlement. I'd sue them if I hadn't been defrauded into losing that right.

I got a representative who said, "OK, you need to pay this amount." I could not find my routing number, so I had to call back. I called back 2 hours later, and this rep told me a completely different amount that needs to be paid to not get hit with the interest. I asked her why that amount was different than what was even on my statement. She replied that I got a late fee for this month. I was upset, and she said she would not remove it. So I asked for a manager.

I got Spencer who did not care whatsoever about customer service or that he was losing a customer over $35.00. He kept saying it was not a Wells Fargo mistake, so he will not remove it. I explained to him that if I paid the amount with the first rep, it would have been wrong and I would have got hit with all the interest and I know they don't remove that once it's on because of my last problem with them. He stated I will talk to him about it.

So there was a huge mistake on their part, but they still won't remove a late fee for me when it was 3 days after my minimum payment due. But I was paying it all off anyway. I never dealt with a company that has no customer service like this and just does not care. I will never shop at these two stores again, because they use WF. They are just a horrible company.

Well, unknown to me, the new bill was supposed to be a 66 dollar payment. Therefore, I was short on my payment by 2 dollars and incurred a 35 dollar late charge!. I tried to clear it up today on the phone with a representative and they told me that since they had waived late fees twice in the past, I was not eligible for them to waive it again. They were very rude and I politely told them that since the take over of Wachovia by them. I had to correct their banking issues on my credit card twice but they were in fact not my fault and they corrected the issue. Now that they were so gracious to do that in the past, they will not do it now for a 2 dollar oversight. I'm sorry but that is ridiculous since I had been with Wachovia since 2000 and stayed with them when it all changed over to Wells Fargo. I now closed the account, paid the 100 dollars back to the card, paid the late fee and added an additional amount to cover the March payment as well just to get everything totally worked out.

What upset me most was that in all the years I have been with them and had this credit card I have never made a payment late. They did not even bother to consider what a great, on time paying customer I have been for over a decade and just ignored the excellent credit I have always had and continue to maintain. So, tomorrow, my husband and I will be closing all of our accounts with them and transferring the credit card money to a promotional card. I was willing to take the few point hit on my credit score by closing an open line of credit based on principle. They treated me terribly and I have been a very long time faithful customer. We also have our home mortgage with them and as soon as we get the opportunity, we will be refinancing that out of their hands as well. I do not want to give them a single dime more of my money after the way I was treated today. Not to mention it was my birthday, so happy birthday to me :( Absolutely disgusted how the human interaction and consideration of circumstance and mistakes that are made were so readily dismissed.

The customer service manager was very rude and did not care one bit about my history with them. I think the most ridiculous thing about this whole incident is they are losing a customer over 2 dollars just to make a 35 dollar late fee. How pathetic. I had four other accounts with plenty of money in and they could've easily given me a courtesy call and said, "Gee, this is odd that you are only 2 dollars short on your payment, was this in error? Can we transfer the 2 dollars from another account to cover the oversight? but, of course, that is not what happened.

Now, the Wells Fargo employee was looking at the computer screen of my account, and just put down the wrong number. I lost $373.00 because they paid things they should not. They say I authorized the ACHs. I did, but I revoked them with the two loan companies, Wells Fargo and my attorney. I have spoken to Wells Fargo 8 times on the 800 line, and I wrote the CEO. He sent my letter to the "Customer Correspondence Unit", and they denied it, saying it was my fault for not recognizing the Wells Fargo employee did not know what she was doing. I am out the money, and they won't budge. If I make a mistake and overdraw my account, I have to pay them, so why don't they have to fix their mistake. I would like my $373.00 back, because the whole mistake is theirs. I went into the branch, spoke with the branch manager, and they still did it wrong.

WFB thinks I should not have a problem with this. I've spent at least 3 hours trying to get it straightened out, but I get told different things by different people. Now supposedly I have someone looking into it. They would just like me to pay the amount and be done, but I am not willing to do that.

Well, as off 02-14-2012, I was charged a $35 fee even though I had $1500 in other account. I explained to the manager and representative that I was informed and if they can somehow waive the fee or do an investigation to prove someone misinformed me. The manager did not let me speak and when I tried to talk over him, he said he will disconnect my call and he definitely hung up on me. I was furious. I got charged $35 and got disrespected and I feel like my business with Wells Fargo was nothing to them as he stated it was fine if I wanted to close my account and go to a different bank.

Let me remind you that my husband works 2nd shift. I’m looking at the clock ticking down. I ended up taking my husband to work that afternoon plus I had to purchase another marriage license. We somehow misplaced the other one. I did not want to go to another branch because, as Charlie ** would have put it, she would have been winning. So what’s the point of our example? Did she set for her reps even they were whispering behind her back about her nasty ways? I still ended up getting my check cash in her face. That's what I call winning it. My husband and I have our mortgage and 401k at Wells Fargo. The name may have change but you still have the same unprofessional people who look out of character. No class at all. They may have our business but every time they call my house they will always get the answer to their promotions denied due to their unprofessional ways! I call that winning!

You see, my bank will not accept a check that has my name and the estate of my husband. My question is, what measures do I have to take to get my money? Wells Fargo told me to rip up the previous check and that they'll issue a new one. Well, it's February 8; and I called today and they still have no answers. Can you please advise me what to do here? I'd appreciate it. Thank you in advance.

Then the unhelpful representative said she was more than happy to fill out an online complaint form or give me an address to mail a complaint to that would be received by an executive. I asked to be transferred to the executive directly. She said, "I don't have a phone number for them." So what with all the criminal fees they charge, the executives can't afford phone lines?

Long story short, they "legally" stole $12.50 from me and put me in a position to now be overdrawn which will cost me another $35 or $40. Thank you so much for your great customer service, Wells Fargo.

These big banks are destroying individuals! I will be closing all of my accounts ASAP and urge others to do the same.

I carefully read over his accounts, and I see that it is overdraft fees. They paid the $34.00, which made his account a few dollars overdrawn which caused a domino effect on the lesser items purchased the day before and cleared, reflecting the $30.00 balance. It was bottled water for $1.08, overdraft fee charged of $35.00. Item purchased for $2.80. Overdraft Charged at $35.00, grocery market $22.00 and overdraft charge of $35.00! Instead of paying for the lesser three and having one overdraft for the one item that came in late, they work it to charge maximum benefit for the bank!

I spoke to the bank manager, who sent me to a customer service rep, who said she could do nothing. I then asked for a corporate number, she said she was it. She had well rehearsed they can't do anything, bank policy, your son’s at fault. I called back the bank manager outraged, who had the same pitch as customer service. Frustrated, I asked for her boss. Finally, they agree to take one fee off, as if they have just been done a massive favor! I will be pulling my money out of Wells Fargo. He is a student still at home. They are thieves!

I came back to the agency and asked them to help me out with a letter or anything that proves that the money orders were good. Today it is February 3 and nobody one to respond for my money. Western Union still has the money available because the money orders are still having funds. I am just asking to cancel those money orders and give me my money back in cash. Wells Fargo thinks that is a fraud so they want to keep my money orders. Someone needs to respond for my money. I think that Wells Fargo is accusing me of depositing fraudulent money orders because I am Spanish. They did not even check that the money orders were good; otherwise I would have paid because the money orders they are not fake. Western Union doesn’t care about the customer; they have the power to cancel those money orders and pay me in cash, but they still having my $10889.48. Nobody wans to respond. If you like to get proof of the money orders, please contact me. Thank you.

They held an investigation, but we were never questioned or told about this. It was an executive decision, and according to the fine print, they don't have to disclose the reason. I'm left to my imagination as to why this is being done. It is very insulting and an absolutely disgusting way to treat people and customers. I would like to know exactly what the reasons were to suspect me or our organization, and the reasons for discontinuing the account.

I used to have Wells Fargo go directly to my account to get the payments, but they never post them on the day they receive them. I would send bi weekly payments two or three weeks before payment is due, but somehow they would post them a week or two after they get the payments or on the day it is due. So, I canceled that out and started sending the payments through my bank instead.

Now, I am still having problems with them posting my payments even when my bank sends it to them electronically. Their customer service representatives and accounting department is the worst people I ever encountered.

I have to call every month to ask them to please post my mortgage payments to my account. They either tell me I owe or they do not take payments from third party banks (I thought a payment was a payment, as long as you get it!). I get laughed at and I had to ask for the supervisor a couple of times where they would agree with the person who did not have a clue as to what I am talking about.

When I check my account, my mortgage payments are put in a place called Applied funds, what is that? It sits there until I call to ask them to apply my payments to my mortgage. I do not get an email, notice, nothing!

This is so frustrating for me and very lazy of Wells Fargo accounting department to not check customer accounts to make sure their funds are placed in the appropriate payment status. This is outrageous and absurd for my hard earn money to be treated that way and for customer service to just sit back and laugh about it. I am really appalled at how Wells Fargo handles business. I wish I could sue!

They need to totally revamp their whole organization because eventually, credit unions will take over all of the under achiever banks

After dealing with the ***, I ended it and stuck with my Gate City Bank account. I tried to cash the Wells Fargo check myself but was told to pay a $10 fee. So after some bantering with the banker, I said never mind, I'll sign it to the order of my wife and she can cash it for free. The banker lady said, "Sure." So I signed over the check, my wife went in and the kid behind the desk had the cash in hand and was interrupted by his younger boss girl saying that I had to be there as well and wouldn't let her cash it. This is getting crazy and I hope that no one banks with Wells Fargo. We already gave them a huge buy out from the government. They can kiss my ***! PS, I do not like the Wells Fargo employees.

After about 4 months, when I paid the $100.00 towards principal and then tried to make another payment, it gave me an error message saying "there are no payment options available for this account". I called Wells Fargo. No prompt at all to speak to an operator. I googled online and found out how to fool the phone prompts to get to an operator. I made a complaint about no options to speak to someone and they dismissed my complaint. I continued with why I cannot make a payment online and was told I must have changed my account information at my bank, which is not true. I was then told I must have changed it in their system, which also was not true. I had her fill in the information and she received the same error message. I was put on hold for 20 minutes and was cut off. I didn't call back.

Next week comes by, I got a phone call saying I am late with my payment. I told the man they needed to fix their online payment system and I will pay. He explained nothing is wrong with the system. I logged on, paid the payment and logged off. No problem. Next month, I tried paying again and made the principal payment of $100, then could not make a regular payment. I called Wells Fargo again and they could not find the problem. They told me to try again the next day. I did and still could not make payment. Finally, a manager told me that I can only make one payment per month! OMG! Really? So I go for 6 months, only making my normal payments when I finally got frustrated since I want to pay extra and lower my interest paid. I called back to complain and I was told "you can make more than one payment a month". I said I was told I could not. She said, "I was mistaken or I misunderstood".

So apparently, you have to wait until they receive funds for your first payment and disable payment options until it's processed. **! Really **! Now this month, I had a balance of $487.20 on Jan. 23rd. I paid $200 on the principal and then on Jan 27th, the balance showed $287.20, which I paid the full amount. The next day, I cannot log into my account. I tried for 3 days and nothing. I called and requested a payoff amount and was told (recording) I owe $290.40. I was transferred to a person (still no option, but spamming 0 works) and I told them I cannot log in and my payoff is not correct. He said my last payment of $287.20 was refused by my bank and that was the problem. I called my bank and they said it was not refused and the money was transferred on the 30th.

I called Wells Fargo back and spoke to a lady and she told me that I paid incorrectly. I should have checked payoff and not principal to pay the $287.20. I told her there is no options for payoff amount and I could not find it on the website. She put me on hold, 20 minutes, and I got cut off. I called back and when I entered my SS at the prompt, it said "No account with this number, please enter an account number"! **. I called back and same thing, "No account with this number". I called back and used my SS instead. "No account associated with this SS number. Please try again". This went on for 30 minutes and 5 more phone calls. I finally did not enter anything and was able to spam myself to an operator again. I told her my problem and said this is ridiculous, I want this problem solved and no more lies about my account.

I asked what was my balance on Jan. 23rd. She said "$487.20" and asked, "did you receive my $200 payment on the 23rd?". She said they did and the balance was $287.20. I asked, "did you receive my Jan. 27th payment of $287.20?". She said, "yes, it is showing". I asked how much does it says my next month's payment is? She said $169.00. I asked what is my payoff and she said $290.30. I asked to use a calculator and see if that adds up. She said, "no, it doesn't" and put me on hold for another 12 minutes and came back and said "someone will call you in the next 3 days to help me correct this problem". I asked, "is my loan paid off?". She said no. I asked, "why can I not log onto my account?" and she said it was because my loan status in the system shows as closed. "Okay. What does closed mean?". She said, "paid off"! **.

"Which is it?", I asked. You said it's not paid off but say it's paid off. She said the system closed my account like it was paid off, but still shows I owe $290.30 plus next month's payment of $169.00! **, can you please tell me how? She said they will call me within three days to tell me what's wrong. "Okay, I will buy that one", I said and asked her name again and told her in three days, I will call you back and tell you I didn't receive a phone call. Today is Jan. 31st. Friday, I will post an update.

How is it even legal for a U.S bank to deny any form of legal U.S. currency? How can Wells Fargo be content with the fact that some of their locations will not take their customers hard earned money and deposit it? What kind of service is this? Wells Fargo will not take coin and they train their branch managers not to care enough to take the time to speak with an upset customer.

Coin money has the same value as cash money so why not take it? How can anyone in their right mind justify not taking a form of currency at a bank? It is my right to deposit money into my bank account, how dare Wells Fargo tell me that I may no longer do this.

I will never deal with this bank again and will tell everyone else there are better banks with nicer people to deal with. I expect a follow up on this. I will pay what I owe tomorrow at a branch but will also call someone tomorrow to follow up because that is how mad I am about her. Someone should get her out of the job. She is not good for you bank. Talk goes along way.

I received a letter dated 10/28/2011 from WFDS denying my request, stating that I have already requested a payment date change in 2009, and that their policy allows for only one payment change during the life of the loan. The WFDS agents that do their collections were the ones who asked me to fax a request to change the dates, since every month, I am incurring late charges because my paycheck cutoff is on the 25th, and arrives on or before the 28th, when I have to pay on the 18th. This is not only causing me financial losses, but is also causing me undue burden, due to their collectors calling a few days after the 18th payment date.

In another letter faxed to WFDS, dated 11/14/2011. I asked whoever wrote the letter sent to me, because they do not sign their letters, about these "company's policies", if this was in the agreement I signed with the bank. I requested for the copy of the agreement, and the policy, who was denying my request, when I was going to get my $33 refund, and if they are denying my request for a payment date change. A retaliatory move due to my asking them to justly pay back the bank fees I incurred, due to their mistake?

To date, 01/25/2012, I have yet to receive any replies from this company. This just proves that this bank would rather earn from bank fees/charges, than work with the "clients'" needs. They are strict in collecting money owed them, when they do not know how to pay promptly themselves. A mere $33 has taken this bank 3 months, so far, for a refund. Wells Fargo Bank is a very good example of how evil financial institutions that charges high interest rates, make their additional profits at their customers' expense. This is continuously causing me distress, and undue burden that I am seriously considering seeking other legal remedies against this institution.

We have had 5 requests for a contract extension for a home purchase and Wells Fargo keeps looking for reasons to delay the closing. They have left a family of 4 homeless, the children are sleeping on the floor and all their belongings are sitting in a U-haul truck racking up a $40.00 per day bill since January 12. A loan processor threatened to stop our "financial commitment" saying that she would advise their underwriters to re-evaluate our information since Jan. 18. It is now Jan. 25, the seller issued an ultimatum that we close by tomorrow. Management has advised that the loan is clear to close and that the documents are in the closing dept. At 4:10pm on Jan. 25, no one from Wells Fargo closing dept., home loan dept, or loan officer has returned our attempts to make contact for loan status. Title company is still waiting for the documents in order to generate the Settlement Statement, we have no schedule to request time off from our employers to close, seller is very angry. This is a bank owned property and the seller is a bank. They want to sell the property and because of Wells Fargo incompetence, we may lose this house to a re-investor who has cash to pay for it.

The family is still homeless, a 3 year old and an 8 year old are sleeping on the floor at Nana's house waiting for Wells Fargo to complete the process they agreed to begin. An attorney has been contacted at a cost of $150.00 to hear my story, he said he could do nothing because banks have deep pockets and I would not be able to afford to fight a big bank.

As a customer I have a car loan and a mortgage with your company and I feel that I am getting a bad deal for the second time. When I did the car loan the guy that I signed the paper work with was not honest with me and my husband. I was supposed to be the first person on the loan and my husband was the co-signer; however, that was not the case. Also, the interest was not what we agreed on. And I blame myself for not reading the paper work before I signed it. Wells Fargo is the company that made me understands that I need to always read the loan and if I don’t understand something ask question.

At this point I am hoping that someone at Wells Fargo will help me to keep my car. I think I have paid for the car well over what I should have. But I am still willing to pay the amount that is remaining because I really work to be a person of my word. I am asking for someone to either allow me to pay the amount that is owed or just send me the title because I have paid for the car even after being lied to by a Wells Fargo employee. All I can do is just ask and pray what you all say about social responsibility is true. If you take my car after I have just started my own business back in October of last year, you are not going to help with my quality of life. If my car is taken I will not be able to continue with my business because I do craft show all over the state of Illinois. My car with three kids and my own business is my life to getting things done. Your company can pick my car up at any time I hope that you will work with me quickly to resolve this manner.

We want to help all our customers succeed financially and create long-term economic growth and quality of life for everyone in our communities. We promote economic development and self-sufficiency through community development, financial education, cash contributions, affordable housing, environmental stewardship, and through the efforts of our enthusiastic team member volunteers. In 2010, Wells Fargo invested $219 million in 19,000 nonprofits nationwide, surpassing $200 million for the third consecutive year. Through Sept. 30, 2011 Wells Fargo has contributed $152 million to 16,000 nonprofits. Our success comes from a time-tested formula: local people making local decisions because they know best what their communities need.

I find this extremely unscrupulous on Wells Fargo's part, as I am sure they had the payment in hand before the due date of January12. I paid off the balance yesterday over the telephone and will never again deal with Wells Fargo. I am not sure what else I can do, but am checking into filing some type of complaint. Unfortunately, I will also never do business with Empire again if this is the bank you deal with. Quite unfortunate as I was satisfied with all else.

Now after verification with the bank, they let me talk to the fraud dept at which I could not get anymore answers from them. I asked them a week later after closing the case to send me a report of what they found. They said I had to have court papers to subpoena the information because they could tell me, all they said was it came from an area far from me and from a different computer. Hey, it's my account and this happened to me. I deserve to obtain this information for further action. After several hours, the bank closed my account and opened a new one. They said I only qualified for a regular account because of my credit report. I was a risk. Now, I've been with this bank since 1989 and in my better days, I had good amounts in savings and checking.

At this time with only working part time, my funds are limited, so now it gets suspicious. I'm thinking this was a way for the bank to clean house. I don't have much money for them to make off me. I fought to have my checking account back the way it was. This was not my fault. I had to go through manager's approval after raising my voice. I left there still not satisfied with what the fraud dept told me. So I called them again and then this person tells me that I had to get court papers and that the other person was wrong in telling me to file a police report.

I think the bank is covering up for something because they told me they could not reach the person who put a freeze on my account because of the fraud attempt. I will find out and would not be surprised if this was a way to downgrade accounts like mine.

The customer service woman screamed at me in front of a customer filled bank, telling me I had no right to ask for the information regarding my account and she wouldn't tell me where my money was or who closed out the accounts. She stated I was lying about having submitted a claim when she had just verified that there was one with Wells Fargo's Fraud Department. Her tantrum resulted in her kicking me out of the bank and telling me never to come back. I had almost $2,000 saved between the two accounts that I have no idea what happened to. I am forever a voice against Wells Fargo.

I have been a Wells Fargo customer for 4 years. I was unable to use my debit card. I called WF customer service. The banker on the phone stated to me they could assist me in getting me a new card sent out thru the mail within the next two weeks. I previously did a change of address the first week of December which was 6 weeks before my card was to expire. Upon the completion of the transaction the representation stated to me that my card wouldn’t be interrupted when they mailed me out a new card.

Twenty minutes later I went to use my card and the card read invalid. I couldn’t make a purchase. How embarrassing. Then I went to log online and didn’t have access. Now at this point I don’t have access to my money nor my online account. I again call back to Wells Fargo and spoke to a Susan ** who was very rude as a supervisor in the Westlake, Tx call center. Throughout this entire conversation as upset as I've been, Susan ** never apologized about the second represented hanging up on me.

The only thing that Susan ** could help me with is telling me that I could go to my local bank. Unfortunately Susan wasn’t listening to me when I stated to her that I was at work and unable to go to the bank before closing time. When asked to overnight my card to my place to residence, she kept stating to go to the bank as if I didn’t think of that. Upon completing my call with Susan and asking for her supervisor’s email address so I could address with someone higher than the supervisor Susan stated to me, and I quote, "You act as if I am hiding something from you. I have no problem with getting you my supervisor." After waiting another 10 minutes on hold an Alex, “mentor” for the call center, picked up the phone. I began my rant to Alex about how rude the supervisor was. I stated how Susan ** didn’t apologize to me.

Susan never addressed the fact that a representative hung up on me. After the statement given to Alex, he apologized to me; however, he stated to go to the bank and there was nothing to be done about their mistake. Now at this point he must not have heard me when I stated to him that in fact I was at work. He then stated to me he would call my local bank and set up an appointment (which was his resolution). He gave me the phone number to my local bank. When stated to Alex that this is not setting up an appointment, he kept asking was there anything else that he could do for me and hung up on me.

Everyone knows how ** the customer service is with Wells Fargo. They're notorious for taking advantage of people. It was their mistake, and it couldn't have happened at a worse time for me. They told me that there was nothing they could do about it. This is the worst customer service experience with a bank.

A lady named Anita stated that because my car was parked in my garage, I was purposely hiding my car. She also stated her representatives seen my vehicle 3 times parked outside my home. I asked her then why didn't they take it then? She also stated that they approached me, which is a lie. No person ever approached me. When I asked who and what dates did this take place, she said she did not have that kind of information.

During the month of December, I moved out of my home and into my mother's home which is also a reference on my application, and for that month my vehicle was parked on a public street everyday. When the repo men took my car off a public street, I willingly provided them with the keys as well. My problem is how can I be concealing my vehicle if I did not know they were wanting to repo it? I never told them that they could not pick it up. I never stop anyone from trying to pick up the vehicle, and no representatives approached me. I would like to have the right to reinstate my vehicle.

I have three mortgages with them, each of which is timely paid when due, with no late or missed payments, when last month, I suddenly did not receive the monthly invoice on one of the mortgages. I nonetheless went to the bank before the due date, and paid the monthly sum, got a receipt for the money the bank took from me. Shortly thereafter, I received a letter from the bank, advising me that I was delinquent on that mortgage, by more than a month, and that foreclosure proceedings would soon commence. Knowing that this must be a mistake, I immediately went to the bank, spoke with a manager, and spent over four hours on the phone with a whole myriad of different employees from different departments, each of whom was incompetent to rectify the matter. I wrote to the CEO ,to prevent any mushrooming of any foreclosure proceedings, all to no avail. I received no response.

I continued to pay the next monthly timely payment when due, only to receive another letter proclaiming that foreclosure proceedings would commence, due to my purported delinquency. What I was to later learn was that someone at the bank decided to add (illegally, I might add) 2 cents to my 30 year fixed mortgage contract payment, without notifying me of the same, and while taking my monthly payments each month, they fail and refuse to apply the payment to my account, because it was 2 cents short. They kept my money, failed to apply it to my account, and continue to threaten foreclosure proceedings, proclaiming my delinquency, when I have never been a second late by even a penny.

Our government is premised in its duties to protect its citizens from these criminals. Wells Fargo Bank, in this regard, is no different from the common criminal off the streets. In fact, what they have done is worse. They are very sneakily trying to steal my home by their illegal actions, and refuse to this date, to rectify their records, which by now is apparently an intentional action undertaken by them to outright illegally steal my home. I have visited my local branch, mailed two letters to the CEO, and expended well over four hours on the telephone with a whole myriad of different employees from Wells Fargo Bank, each of whom is incompetent to rectify the situation. Please help. You are a government agency who is supposed to protect us from their outrageous illegal actions, as they illegally behave with impunity.

How many others are they doing this to? I will now have to retain counsel, who practices in this area of the law, to bring a lawsuit against Wells Fargo Bank, for what they are doing to me and to get an injunction against them, from proceeding to steal my home, unless you step in and finally get those monsters to start obeying the law, and the 30 year fixed mortgage contract. in which they entered. Please spread the word. Everyone out there, please beware of Wells Fargo Bank, and their criminal activities. Take all your money out of their banks, and close your accounts there. Any other local bank will be more than happy to accommodate your banking needs. Stay away from these criminals, Wells Fargo Bank.

And, by the way, I also learned along the way that their purported "loan modification department" was, and is, nothing other than a myriad of phone numbers, with no one answering them, set up to purportedly comply with government regulations in order to qualify to take our tax "bail out money", with absolutely no intentions of ever modifying any loans. Try calling any of their loan modification departments, and see if and when you can ever get anyone to answer a phone, or ever return a call. It will never happen. I got a negative false credit report, commencement of fraudulent foreclosure proceedings.

If the party had purchased the money order from the post office, or Western Union, or any other honest business, there would be no charge for cashing it. This practice is outrageous. I certainly would never bank with Wells Fargo and would advise anyone else to avoid this contemptible bank. I went to my bank, a considerable distance, where I deposited the money order and cashed a check for the same amount.

Now when I'm trying to figure out what I do owe yet on the house and some of the how to's, like making payments directly to the principal, searching online for complete account activity and how each dollar is going toward each item of consolidation, how to contact the people involved at the root of the initial paperwork, I can find nothing or nobody that can give me a breakdown or point of contact. It's as though all of the payments go into a pot and divvied up as purely a lump sum.

Without knowing any of this, I cannot make payments directly to the principal of the house and get what is owed in that respect down enough to actually have a mortgage company take over at a lower rate. In speaking with a rep. from WF, I'm told I need to get the total consolidation down by at least another 10-15,000 dollars before that can be considered since the value of the consolidation needs to equal that of the value of the home. WF is taking the total consolidation as the value of the home. If that is the case, a $300 credit card balance originally owed should equal the 101,000 balance of the consolidation and that is totally incorrect and definitely poor business practice.

I think I'd be happy just knowing how I can access this account to see where the money is going and some means to pay toward the principal of the house. It would also be nice to see how the other items in the consolidation are being paid off so I could pay each one off and get them off the list of what's owed.

There is nothing. Only a monthly statement that comes in with how much to pay. Payments are made monthly by transferring money from my bank to an account with WF that is subsequently taken out by whichever entity does it. And that entity cannot provide me with any information or a means to visually watch or make principal payments.

As a note, a few years back, a friend of mine who is a financial advisor and I went to the WF office I had dealt with to speak with them about this. We just wanted to see if we could lower the interest rate since I had been paying for 10 years and never missed a payment. The person we spoke with had a simple solution, "Cash in your 401K and pay it off." Yes, that is in quotes that I'll never forget. My advisor was outraged at such a comment and told him it was very poor business practice to say that. I think he knew it because he immediately left the office only to be replaced by another associate. The main banking offices of Wells Fargo know the underhandedness of the Wells Fargo Financial offices since I was flat out told that that is one of the reasons why they have distanced themselves from the Financial offices. Possibly it's why that particular office is closed downtown, too. If the main office knows it, the public pretty well knows it.

This is what is not: I have a $500 limit on my checking account ATM, so after attempting to withdraw $400 WF put a hold on my account so I was unable to pull any money out until the next day (a big horrible inconvenience to me). I knew there was a hold from this money, so I went to my bank to see the status of the hold to find out they followed through with all charges! My bank account is now $403 less and I never received a dime, only headaches wondering how this will pan out!

I recently gave my landlord an $850 rent check. I gave it to my landlord on 1/5/12, but they normally take several days to a week to actually get our check into their account. I knew we didn't have enough money to cover the check and by not enough money, I mean we were only short about $10. My paycheck was due to automatically post on the 10th, and that would cover well over the $10 my account was shy at the time, so every day several times a day from the 5th until the 10th, I checked the account to see if my rent check was posting. I had intentions of getting a DDA if the check posted before the 10th when my paycheck came in. A DDA will add money into your account immediately, and if it covers over any withdrawals or checks, there are no overdraft fees. It acts just like cash.

By the morning of the 9th, my rent check had still not posted, but I was nervous about it posting that day, so almost hourly I checked my account information online to make sure that if it were going to post, I would get a DDA in to cover the overage immediately. A $20 DDA with a $1.50 fee was much more doable than a $35 overdraft fee. So, 4 o'clock (end of business day) came, and still no rent check posted. 6 o'clock, still not posted. Midnight, still not posted. 1:00 in the morning on 1/10/12, still not posted! I went to bed knowing that my paycheck would be in when I woke up and all should be taken care of.

So I wake up on 1/10/12 and check my account. Now, all of a sudden, posted on 1/9/12 is my rent check? And, even though my paycheck has also posted by now and my account is positive, I get an overdraft fee of $35 on 1/10/12 because the posted check on 1/9/12 was for more than my account balance was. I called to talk to a banker, and was told that even though they didn't update my account on the 9th with the posted check, that's just how they work, and there was nothing they could do about my overdraft fee. I told the banker that had I known the check was going to post on the 9th, I would have put in for a DDA for $20 to cover what my account didn't have for the check.

He told me that I should have had the money in my account before the check came in. I told him that if it wasn't going to post until the 10th, that it would have saved me the $1.50 in DDA interest, and I didn't have much capacity to afford even such a small amount, and that a $35 overdraft fee was something I absolutely couldn't afford. I also remind him that I was checking almost hourly on the 9th to see if it was going to post so I could fix it with a DDA. I was starting to get emotional right about now.

The banker on the phone tells me that he can give me a partial refund of $17.50, but that Wells Fargo has no control over my balance and I should have had enough money in my account to cover any checks that were out. I'm still out $17.50 for a ** charge! He also tells me paper checks work in a different way than any other withdrawals or electronic transfers: that if another bank takes money from a paper Wells Fargo check, Wells Fargo may not know about it until the next day. I ask him if that means that the money didn't come out of my account until 1/10/12 (when there was money to cover the check! ) and he tells me yes, the money did not come out until the 10th, but it still posted on the 9th. I tell him that online, it never showed up until the 10th, and he still tells me that it came out on the 9th, they just didn't actually take it out until the 10th. I ask him how I'm supposed to know when money is being taken out of my account, and he can't really answer me.

I tell him that I had intentions of putting the DDA in my account if I saw that the check was going to be coming out on the 9th, and that it's not fair to charge me an overdraft fee if by the time the check actually came out of my account there was enough money to cover it. He begins to repeat the same things he's already said to me, almost verbatim, as though it's this heartless script he's got in front of him. I should have had the money in my account on the 5th, he tells me. There's nothing they can do about my balance, paper checks work differently, even if it didn't actually come out until the 10th, it posted on the 9th. Paper checks don't "pend" they just "post". I told him it didn't post until the 10th, how could they retroactively post it the day before? "That's just how it works," he responds, "so do you want the $17.50 refund or not?"

I tell him that the online banking system lied to me, that Wells Fargo lied to me, saying at 1:00 in the morning on the 10th that nothing posted on the 9th, and that lie cost me $35, or $17.50, or whatever he wanted to look at it as. I ask him how this lie makes it okay for Wells Fargo to steal money from me. How is it okay to tell me my account is in good standing one day, then the next day tell me that my account actually overdrafted the previous day? He tells me again that's just the way it works and that there's nothing illegal about it.

I choose a different approach. I ask him when the business day closes, knowing full well that it closes at 4:00 pm. He answers correctly so I go on to ask him what happens when something goes on in an account after the business day closes. He tells me that unless it's a cash deposit in an ATM or at a branch, things post the next business day. I remind him of the fact that by 4:00 pm on the 9th no $850 check had posted, so the business day was over, he said yes. I said that even at 6 o'clock, and even through the middle of the night into the early morning hours of the 10th, my check had still not posted, and the next business day had not yet begun, and he again says yes.

I ask, "So how in the world did a check post on the 9th that didn't post until the 10th? How did I overdraft on a check when by the 10th my paycheck had posted and covered the entirety of my $850 rent check that didn't come out until the 10th?" He says that Wells Fargo did me a favor by paying the check when I didn't have enough money to cover it and the $35 overdraft fee is the charge for that service. If I know that a check is out, I need to have money in my account to cover it. I ask him how I'm supposed to know when a check is posted if I'm not kept up to date about my account activity. He begins to, again, give me the heartless script that he's been giving me the whole time.

Throughout this entire conversation, as upset as I've been and as inquisitive as I've been about these completely bogus business practices, he's asked me numerous times if he's answered all of my questions, if I have any more questions, if there's anything else he can help me with, if we're done here. He talks over me, starts speaking in the middle of my questions and concerns, completely disregards what I'm telling him. He tells me on several occasions when I ask to speak to someone who can help me further, someone higher than him, anyone else I can talk to, that there's no one else available to help me. "Your Wells Fargo," I say (although I think there was a curse word or two in there somewhere), "you cannot tell me you're the only person there!" "Ma'am, if there's nothing else I can do for you and I've answered all of your questions..."Wow! I cannot believe that this just happened!

The latest is that they authorized a check to be cashed on my account even though the account was already negative. Yes, we knew if the check was deposited we could incur a fee and we asked the person to hold off. In either case, I would not have snapped at a deposit but to have actually cashed it, knowing the funds were not there, was something different entirely. It is in line with their policy and it is due to "a good banking relationship with them" that they offer this sort of service. As I pointed out, it merely serves to put fees in their pocket. I will be looking for another bank now, one that hopefully less shady about my money than Wells Fargo.

He informed them that he had not deposited a check on the 8th of December 2011, he had deposited cash customer service and then opened a ticket. Damon next went to the Wells Fargo branch in question on December 23, 2011 in person with me to ascertain the nature of the confusion. We were told by branch manager Mellissa ** that she had approved the removal of our cash deposit because an individual unknown to us had arrived at the Tillamook, OR Wells Fargo branch with a transaction receipt from a transaction on my Damon's account and a letter from their landlord stating that the amount on the receipt was the exact amount this individual owed in rent.

This other individual claimed to have accidentally deposited the money into the wrong account. Mellissa ** asked us not to involve the police in this investigation and that she would prefer she handle it internally. We next heard back from Mellissa ** on December 23, 2011. She informed us at that time she had been reviewing surveillance footage and there was no doubt Damon was there at the time the deposit was made. We did not hear any news from Wells Fargo. On January 3rd, 2012 Damon called the Wells Fargo customer service line.

After about an hour of being transferred from person to person, he finally learned that his ticket had been closed and he had been referred to the Tillamook Wells Fargo branch. Mellissa ** informed us that she had investigated the matter, and even though she could see Damon enter the bank and engage the teller in a transaction she could not tell from the angle of the cameras what that transaction was, so she was going to allow our deposit to remain with the other party as she is familiar with them and they have a long history.

She refused to give us contact information of her superiors, stating that there is nobody above her we can speak with in regards to this matter. She would not tell us what her system records his account being accessed for at the time he was seen on surveillance footage engaging a teller. We were informed by branch manager Mellissa that with a cash deposit whoever holds the transaction receipt has absolute proof that they are the individual who made the deposit. I have contacted the Oregonian help desk, an attorney, FDIC, OCC, Oregon DOJ, FTC, OSP, Better Business Bureau, Division Of Finance And Corporate Securities and we have filled out an FTC ID theft affidavit, and written to my tribal council, senators, representatives, and congressman about this matter.

As a result of branch manager Mellissa’s activities, we were unable to purchase Christmas presents for our children or enough food to feed all members of our family. Damon and I went several days without food so we could afford to make it until my next payday. We have not received our cash deposit from this transaction. We were charged NSF and overdraft fees as well as late fees on unpaid bills.

I called , I wrote letters and nothing. So, I wanted to pay off the loan but they told me there was nothing they can do about it. This morning I wasted two hours and four phone calls being bounced between the east and west coast. I finally got to speak to a supervisor and she was very adamant that Wells Fargo could not and would not be issuing any credit on three years of late fees. I explained that it would not have been late if Wells Fargo just changed the date and got rid of the request for two payments in one month.

My repeated requests led to my frustration and I swore once , she told me she would end the phone call. Just so things were clear I asked her, after calming down, that they would not credit any of it, I even offered to split it. But she said they were a bank and they don't do things like that. So, I will be punished financially for Wells Fargo not wanting to review the history and see they have never had to wait for their money ,deal with a NSF, or anything else. The only thing that went wrong was I was trying to ensure that a late fee was never incurred due to my putting the check int he mail late and signing up for auto pay.

I went to several different places this evening and had my card rejected at every one. So, I called the hotline and was told that someone had called to report my card lost/stolen. I made no such call, and no one else has access to my accounts. It was their mistake, and it couldn't have happened at a worse time for me. They told me that there was nothing they could do about it.

I'm putting the word out for all clients of Wells Fargo (and all major national banks) to close their accounts, and open new ones at local credit unions (which is the first thing I intend to do as soon as I break my leg off in their ** tomorrow). I'm fed up with their sleazy business practices, non-accountability and the apathy and incompetence of their employees. People need to wake up, break the chains of dependency to creditors and financial institutions, and shut these people down forever! If we don't take action now, we will continue to be their slaves.

Two from my local branch informed me fraud and consumer complaints had to go through the 800 line, the 800 line instructed me to go to the branch. Now, I found out that they have reported me to ChexSystems as fraudulent activity. When in fact, there was such activity in my account and thus my attempts to resolve the issues.

I have stated the one time I got through (and before being disconnected) that I agree I owe for a withdrawal I mistakenly did not cancel (totals around $119), along with any OD fees, but the additional fees of Wells Fargo transferred and those incurred fees are not acceptable. It's frustrating as a consumer to get as many calls a day as I had that were either dead or hang ups, and no answer when I tried. I even used my parents land line in the case there was oddly something with my phone. No change was the response, several times we sat on hold for 10-12 minutes.

A few days later, I was able to cash the IRA CD for my ward. Today, I went in to cash the inherited IRA and was told I had to wait 2-5 days. My temporary letters expire on the 4th of January (tomorrow), but I did receive permanent letters in late December. These were faxed to the legal department who said they needed 2-5 days more. The legal department said that my conservator letter did not specify inherited IRA's! They do not know what this type of court order is.

This is more than frustrating. My ward is a legal non-entity and cannot sign or make legal decisions regarding any legal documents, including checks, CD's, IRA's, wills, or POA's. In effect, I am told I cannot cash the IRA even though I am the only one who can until the legal department reviews the request. The bank manager wanted to know why I needed the money. (Why does he care? And should he believe what I tell him?). He also told me he did not know the government agency to which I should address my complaint (it is the Office of Consumer Affairs **). They requested that I contact them first before submitting the complaint.

I have spent 5 days in their bank, establishing a new account, cashing my ward's IRA, and now trying to cash her inherited IRA. My ward has bills, legal and housing (she lives in a memory care facility in Sun City West, AZ) which need to be paid early this month. This cannot be something new or unusual for their Sun City accounts. There must be a lot of conservatorships in this area.

Once I arrived at the Wells Fargo branch, I was informed that my account was scheduled to close because I did not meet the minimum requirements for an account. I was then informed that it will take 10 business days for the account to be closed and for them to issue me a cashier's check that I would receive in the mail. I asked if there was anything that I could do to make the process go faster. I was informed that I could get a letter from the bank that the check is drawn on stating the date that the check was paid, the amount of the check, the check number, person verifying and phone number of the verifier. I then contacted that bank and that bank informed me that they do not deal in third parties so they would not be able to generate that letter for me. However, they would generate the letter if the letter was requested from Wells Fargo.

I then contacted Wells Fargo and spoke to a representative from the Executive Office. The officer that I spoke to stated, "It is not the responsibility of Wells Fargo to request the letter" and that they would not do so (Agent ID 8992). I then contacted American Public University and they informed me that they could fax over a copy of the check front and back as well as the rest of the information that Wells Fargo was requesting. Next, I contacted Wells Fargo's Executive Office again and informed them of what my school stated to me. The agent with whom I spoke with informed me that it would not be sufficient because it will not be on the bank letter head.

Now that this situation has occurred, I am now at risk of being trapped in what is known as the snow ball affect starting with being dropped from my classes at American Public University and next not being able to receive financial aid again because I did not meet the minimum requirements and eventually causing me to default on a loan because Wells Fargo has policies in place to hold funds for the maximum amount of time which they informed me would be 10 business days not including holidays.

They refused to allow me to take any money out of my account. I explained there was no way they could hold all of my money for 20 days! This is the only money I had. The representative repeated, "miss, you deposited a bad check. Your account is closed, you will get a check on the 17th". How can it be legal to hold $15500 when the check was only for $4500?

My credit union account is the way I pay my car note. When I would deposit money to pay my car note, it would get wiped out because Wells Fargo would charge my account. So as a result, it looked as if I had missed one monthly payment. I was 90 days late and my car was repossessed. Now I am working on getting it back. I got all these charges and fees to pay in order to get my credit union account back in right standing. This is crazy. Don't give them your account number.

Over the phone, the representative informed me that my account was negative because the check was returned not payable. I was then advised to come into the bank. Once I arrived at the Wells Fargo branch, I was informed that my account was scheduled to close because I did not meet the minimum requirements for an account. I was then informed that it will take 10 business days for the account to be closed and for them to issue me a cashier's check that I would receive in the mail. I asked if there was anything that I could do to make the process go faster.

I was informed that I could get a letter from the bank that the check is drawn on stating the date that the check was paid, the amount of the check, the check number, person verifying and phone number of the verifier. I then contacted that bank and that bank informed me that they do not deal in third parties so they would not be able to generate that letter for me. However, they would generate the letter if the letter was requested from Wells Fargo. I then contacted Wells Fargo and spoke to a representative from the Executive Office.

The officer that I spoke to stated that it is not the responsibility of Wells Fargo to request the letter and that they would not do so (Agent id 8992). I then contacted American Public University and they informed me that they could fax over a copy of the check front and back as well as the rest of the information that Wells Fargo was requesting. Next I contacted Wells Fargo's Executive Office again and informed them what my school stated to me. The agent with whom I spoke with informed me that that would not be sufficient because it will not be on the bank letter head.

Now that this situation has occurred I am now at risk of being trapped in what is known as the snow ball affect, starting with being dropped from my classes at American Public University and next not being able to receive financial aid again because I did not meet the minimum requirements. This is eventually causing me to default on a loan because Wells Fargo has policies in place to hold funds for the maximum amount of time which they informed me would be 10 business days not including holidays.

I was charged for NSF in my bank account for December. I knew my deposit would not be there on the 20th. I get my check on the third Wednesday of each month. In December, the third Wednesday was the 21st. I had asked that auto pay be turned off in November 2011. The woman assured me it would. It was not and it resulted in an NSF charge of $36.00. I made the payment on the 21st like I planned. I want a refund. I have faxed paperwork pertaining to my bank statements on 12-21-11. I got a letter saying they want more information on 12-28-11. I faxed more paperwork on 12-28-11. What is going on? Please refund my $36.00 ASAP.

Please people, look at all these complaints. Do your business elsewhere. This website should convince you. We can’t all be wrong. I’m out of $36. I’m caught in the nightmare of trying to get someone on the phone. They make it almost impossible to contact them especially with a written complaint. The automated system is so hard to navigate.

I finally felt safe enough to write the tax check on December 22, 2011. On December 23, two weeks after the deposit and after I wrote the check, Wells Fargo decided that the check wasn't acceptable and took the money out of my account. After two weeks. My check bounced. I'm $700 in the hole. My other payments will not go through. My health has suffered as I have high blood pressure. I'm still waiting to resolve this with Wells Fargo advisors.

On November 16, 2011, an amount of $3323.20 was deducted from the account. Although numerous phone calls with Wells Fargo, the bank essentially refused to admit that first, they had the possession of the missing checks, and second, they hold the responsibility of the missing checks secured in their ATM despite the fact that one, they provided the adjustment after the machine malfunction and two, they were able to confirm some checks from that deposit.

I always make the same type of purchases on my account. I spoke with the Wells Fargo rep, and she transferred the call over to the debit card reversal department, in which I spoke with a rep who explained to me why Wells Fargo placed that hold, and she assured me that the hold would be released today, so before I even let the rep off of the line, I asked her to hold, so I could place the purchase, in which she also assured me that my card had not been charged, because all payments were declined.

I attempted for the fourth time, while the rep was still online, to place that purchase, and the card was declined again for the fourth time. The rep advised me to wait about 5 minutes, to give the system time to reset itself, then placed the purchase again, so that is what I did. After the purchase was made, I went online to check my statement, and my account was charged twice by the merchant, when it should have only been charged once. I called the merchant to get funds reversed, in which they did. I then called Wells Fargo to explain what had happened, and they told me to have the merchant give them a call. I called the merchant, and asked them to give Wells Fargo a call to get the funds released. The rep explained to me that they didn't have that option, and there were no managers available at the time. They gave me a release number to give Wells Fargo, so that they could get the funds released back into my account.

Wells Fargo refused to take the release number to get funds placed back into my account, and said that the merchant would need to give a call. I spoke with at least 6 reps over at Well Fargo, and no one would assist me to get my account back to positive. They flat out refused to help me. When I explained to the Wells Fargo manager over in the reversal department that another one of their reps reassured me that my acct would not be charged more than once, he replied he was sorry for that, but there was still nothing that he could do for me. I blame this situation on Wells Fargo, because they should have never placed the hold on my card without my knowledge, and also the rep should have never reassured me that my account wouldn't be charged more than once.

If I was aware that this was going to take place, I would not have attempted to submit the card for the fifth time. I would have just waited, and this whole situation would have been avoided. Wells Fargo was rude and showed no consideration to me at all. My account was placed into the negative, and I was advised to wait 3 to 5 days before my funds would be placed back into my account.

I went to the bank, spent hours on the phone, only to have a customer service representative at the bank explain to me that I need a note from the company highlighting their error and they can refund the full amount. I had to wait for said letter in the mail and when I get it, the customer service representative tells me the manager refunded half because I didn't provide a letter and I could no longer revisit the issue. When I told the bank manager, he said he can't revisit the issue as the 1/2 refund was already distributed and they were doing me a favor.

I've been with Wells Fargo, Wachovia for 10 years and have a credit card account. When I told him I would close the account, if this wasn't resolved, he said good luck and if that’s what I have to do. Then I asked him for his manager’s name and he said he can't divulge that information. In a people and customer centric business, how do you treat people like that?

I had to go to another bank to cash the check because I think it is rape to pay $7.50 to cash a check written and drawn from the same bank. 2.48% charge to cash a Wells Fargo check at Wells Fargo. I feel they are stealing from the public!

I recently had my bank account frozen and assets taken from my account. Sure, this is my fault ultimately; however, the follow up actions of Wells Fargo (or lack of action) is far from my fault.

1. To get a hold of 'legal' it takes an average of 40 minutes. If your call drops, you must start over. When you do get a person, they refuse to take your number should the call get disconnected. I literally spent three straight hours on the phone trying to get less than 10 minutes of service.

2. The information concerning your account, the legal action, and how that is being handled is not clear nor helpful.

3. There should be a concise set of rules and/or steps that the bank takes that can be shared and explained to the customer in terms of how their money is being taken and how that money is distributed. None of this happened with my case.

4. The attorney handling my case told me not once but twice that Wells Fargo called them and told them they would not being paying them as I did not have the funds to settle the agreement. This is and was patently false. When I finally reached legal for the 4th time I was told that they never said that and had no idea what the attorney was talking about.

5. I was informed that they sent the cut check of my funds directly to the court indicated in the case. However, the court does not accept these funds and will simply have to send the money back to Wells Fargo. How is it that legal does not know how to do this? Did this so-called legal department call the court house to confirm? Did legal call the attorney to confirm? No I do not believe they did.

6. My money is now in limbo. The cost to me? An extra $100 charge from Wells Fargo that apparently pays for their ** legal department. I will likely settle with this account before the missing money is recovered and will have to wait again to get that money back from the creditor handling the case.

7. Wells Fargo does not have a transparent means of making a complaint or speaking to someone higher up that can help manage issues such as these.

There is possible further legal action from the creditor. My agreement with the creditor could be null and void as they are not receiving their money as they should be. I am at risk of having my account refrozen and the payment plan I worked out scratched. For what? Because Wells Fargo is incompetent and unable to do their job and communicate with their customers. All of this puts me at risk of further financial hardship. Wells Fargo could have handled this properly by making the extra effort to verify proper procedure for this case.

I was delighted to know that I had a refund. It’s heartbreaking to know that is Christmas around the corner and I won’t have access to funds that are legally mine. This will not be a good Christmas for my children.

By procedure they are supposed to notify that the settlement was rejected and return you your money. They didn't do either. I have been harassed with calls and letters to finish paying off the remainder of the balance. I am now in a 400 dollar debt with Wells Fargo. I am currently unemployed with no way of being able to pay the last money I had as for the settlement.

The person who handled this for me, as it turned out, was new, and he didn't know half of what he was doing. We closed the existing accounts and opened new ones. We had what WF calls a PMA account. All of our services were rolled into one huge account; 2 checking, savings, mortgage and line of credit. Although the guy opened a whole new PMA account for us, he also opened "interim" accounts for our checking and savings. Interim accounts are accounts WF opens to cover any outstanding checks or payments coming into the old existing account. Those items would automatically roll over to the interim account and be paid from that. Sounds crazy, I know, but that's what he did.

Instead of typing all the gory details, I'll just list the errors WF made during this fraud incident.

1. Interim account for outstanding checks/payments was set up, even after I told the agent there was nothing outstanding.

2. We'd had our mortgage taken from our checking account automatically every month, and the agent asked if I still wanted that. I did. I also received a letter from WF confirming that starting 11/4/2011, they would be deducting the payments from our checking acct.

On 11/18, when I logged into my online accounts, I was greeted with big, red letters saying, "Your mortgage is now 18 days past due. Please call our office immediately." I didn't call anyone. I went straight to the branch office and talked with a manager. He told me not to worry, that the late fees would be reversed, and that our payment would not be considered late because it was the bank's error. I had him call the person responsible for submitting late payment names to the credit reporting agencies. He did, and she assured him that because those names weren't submitted until the end of the month, and because it was the bank's error, our name would not be on the list. I'm still waiting to see if, in fact, our names were turned in as late payers.

3. The money taken from our account was to be reimbursed, but it would take a minimum of 6 weeks before an agent could even call the department responsible for the reimbursement.

4. When the checks were ordered for the new account, the check numbers started at 101. The day they arrived, I tried to write a check at Safeway for groceries. The cashier said they weren't allowed to accept any checks lower than number 105. There was a WF branch in the store, so I went there to cash my check.

5. As soon as our new debit cards arrived, we had them authorized, and were told we could start using them immediately. I tried to use the card at Costco, only to be told my PIN was invalid. We tried it over and over. Of course, there was a long line of customers waiting behind me, listening to everything going on.

I moved aside and called WF. They said there was no error on their end, and that the problem was with Costco. I went to the manager and asked him to try my card at a different register. He did, and it was still rejected. He suggested I try the Costco ATM. I did, same result. I asked the manager to please hold my shopping cart aside, and that I would be back within the hour with cash.

I had planned to go home to get my checkbook, but it occurred to me that the check I would be writing would only be number 102, and it could cause the same problem I had at Safeway the day before. Instead, I went to the branch. It turned out that our cards were not authorized, even though we were told they were. The agent ran it through a machine and assured me it would work. I tried it at the WF ATM just to be sure. Then I drove back to Costco to pay for my cartful of items.

6. After six weeks, we still didn't have our reimbursement, so I called the branch. The manager said he'd check on it and call me right back. When he called, he said there was no affidavit on file for my husband or me. There was no affidavit on file because no one ever told us we needed to file one! The manager said we should have been given affidavits when we opened the new accounts. We neither got them nor were they even mentioned before this. So the manager said my husband and I had to come in to the branch together to sign the affidavits, which we did. Interestingly enough, our reimbursement appeared in our account a few days later. We had waited almost two months because of a WF employee's error.

7. Our old PMA accounts were fee-free because our mortgage was tied to our checking account. The manager said the new PMAs were not fee-free, regardless of whether our mortgage was tied to checking. He said he was trying to get a lifetime waiver for the fees and hadn't been able to, thus far. He said what he could do was to reopen those mysterious interim accounts we'd had until I insisted that they be closed. For reasons we still don't understand, he said using those accounts would allow us the fee-free account again. I told him no, that we didn't want to have to order even more new checks and debit cards. He said, "Yes, but they're free!" I said no thank you and told him to keep working on the new PMA account fees.

When I explained to my husband what the manager offered us, we agreed that it was time to leave WF, regardless of whether the manager could get the lifetime waiver of fees. I started researching credit unions for a place to move our accounts.

8. Early this week, the manager called to say he unfortunately, wasn't able to get the waiver, and that we would be charged fees.

Here's what's wrong with that. I've had accounts with WF since I moved to CA in 1984. When I owned a small business in the mid-2000s, all my business accounts were also with WF. In 27 years, we've had no overdrawn checks or late payments. Aren't we exactly the type of customers banks want? Obviously not to WF.

9. The credit union accounts are now up and running. As I was setting up auto-pay for our mortgage, I was asked for the physical address of our WF mortgage holder. Since we'd never mailed a payment and I couldn't find the address on their website, I called their mortgage department. When I asked for their mailing address, the agent asked why I would be mailing payments. I explained that they would no longer be paid from a WF checking account, and that I needed all the info for our new credit union accounts. She asked if I would tell her why we were moving our accounts. I told her it didn't matter at this point because we had new accounts.

She asked if there was anything she could do to keep us as customers. I told her it was too late, and that I'd been working with a manager at our branch who had already told me there was nothing more he could do. She said, "Yes, but sometimes it's better to get a second opinion." I again told her it was too late. WF had their chance and they blew it at every opportunity. She said, "You've been our customer for over 20 years. Are you sure there's nothing I can do to keep you with us?" I said thank you, but no.

Her experience was dealing with a rude, condescending and belligerent rep who denied electronic payment and gave two options of payment through a cashiers check or going to a bill paying facility to pay the balance. My wife wanted to make three months of payments and was told she could only make two monthly payments and not three as requested. When my wife questioned there policy, they told her she was not on the account and I had to call. I called in and after a few attempts I was connected to an irate, disheveled and rude rep. I opted to send a cashiers check for two payments which was my max allowed according to the rep. The cashiers check was mailed to them on Dec 3rd and my account was brought up to date on Dec 6th via electronic payment which was verified by a rep that day as received.

I explained the reason for late payment and never questioned the late fees but the rep replied with an ignorant answer. Anyway relieved that I squared away my account and would not have to deal with rude and unprofessional reps anymore, I was at ease. I received a bill this week not reflecting the payments which was understandable considering the timeline and a due date of 12/23/2011. I had no concerns.

I woke up Thursday morning to realize my vehicle was gone. Thinking it was stolen, I called the cops and they informed me it was repossessed to my amazement. I called Wells Fargo and inquired how this could have happened and got a repeated response of you broke your contract no matter what I asked and even when he acknowledged payment he still ranted in a degrading manner. Finally he gave different # to call and after going through three delusional reps, I finally got to a rep who informed me that my payment by mail is in processing and may take a day and I would receive a call back which never happened.

Today I spent an hour on the phone going around in circles only to find out that because they reposed my vehicle, my cashiers check would have to be sent to a new address because my status had changed? After a time on the phone with no explanation why I was not informed of a repo in any form of communication and my bill never reflected such intentions and a date of 12/23/2011 for payment due even though I fulfilled my financial obligation already. I was told I would receive a call before 6PM this evening to sort the issue out, obviously this never happened and I still don't have my car or will they tell me where it is. I am in shock and devastated by this ordeal and lack of urgency by these people.

They got my money and still took my car and showed no remorse instead were cocky, ignorant and totally unprofessional. Need some advice here. I don't know where to turn.

Today, I called and spoke to someone named Maria who refused to give me her last name or operator number. I told her that I was filing a complaint, and she told me that I better tell my relative to call them back. These calls are being charged to my cellphone which is costing me money for something I am not responsible for. I want it to stop.

I hate this bank with a passion. I can't believe they can gets away with this. What is our country coming to. Someone or something needs to get control of these banks. It's not right! Can anybody help me?

I called them to see if they could work with me about changing the due date and waiving the fees but the reps you talk to can only give you limited info because no one can contact a live person who actually works at Wells Fargo Financial. Even though you call the number on your statement you are not actually getting someone from WF Financial, just general customer service. Customer Service told me they do not change due dates and there are no "grace periods" for payments. Asked for a supervisor who told me that I could send a fax to WF Financial to see if they would try to work with me.

I’ve had no complaints from to me personally about y’all, and believe me being an F.B.I. informant I get some of all kinds of complaints. So I’m telling y’all the truth! But I wish y’all would quit teasing me and go ahead and buy them out. Now is one of the best times they’ve closed up branches, almost like in a retreat formation from the territory they were in! I personally know that now or within the next year or so would be the best time to buy while they’re recovering from the pull back of lost territory! Have a good day!

I emailed Leonard ** at the WFMS headquarters in MD a week ago, but not surprisingly, I've heard nothing back at all. The silence from these mega-corp fraudsters is deafening, and it's pretty hard to get any justice when they do screw you. They have all these contracts, and somewhere, somehow, you probably electronically or physically signed one, you poor **, and now you're stuck for 3 years of account pilfering by some of the worst merchant services companies in the world (which also will include Eliot Management Group and all affiliated companies - actually, they are even worse, if you can imagine that).

So, what to do. Short term, we own and operate a very legitimate business to business website that sells various marketing materials to businesses. We're offering a 2% cash discount to our clients who pay in advance (which most do anyway) with a check. That has cost W-F over $750 in the past month. If they simply do what they contracted to do, they'd have made $500 instead of the $258 that actually made it into their account.

Mid-term: If Mr. Kyle ** is unable to bring some resolution to this issue, I'll contact the WA State Attorney General's Office and file a complaint. I don't know what good this does, but maybe if there's enough smoke, they suspect a fire and investigate these crooks. BTW, I do love my daily account notifications from WF for our regular business banking, and I am befuddled by the fact that they're the only bank in our area that does this. This makes it so, if a fraudulent charge occurs in my account, I can attack it immediately. Unfortunately, they also have access to the account and make their withdrawals of funds well above our agreement.

I'm now faced with a conundrum. I can quickly close my W-F accounts and withdraw any and all funds to a new bank (costly) but I may lose merchant service access if I do this. These people have a way of putting the squeeze on you if you retaliate in any way, which includes closing bank accounts. I don't know if I'd get blacklisted by Visa/MC/AmEx if I did something like that or not. Any advice on this forum is welcome, and I'd be happy to join any class action suit, but that's a band-aid on a hemorrhage, as the corruption in many of the major US corps runs so deep as to be pretty frightening, and the attorneys tend to be the only ones who really get anything out of these lawsuits. Now if we could lump all of the fraudulent corps into one big lawsuit, that might be interesting and I might get some real "moolah" back into my bank account.

So, how does a dead man have three other bank accounts, BOA checking, savings and another bank; of course she couldn't answer. I asked her to waive the fee and she said that she can't do that. So I got taken and I should have walked out. I'm pissed at them.

Original Review: Nov. 26, 2011

We have applied our loan closing with so called James ** and that was 6 weeks ago. He told he will be able to close by the date we asked him, but then dumber told us a day before the closing that it will not be possible to close.

I did hold my nose and sign a 3 year contract with them, assuming that because they'd given good service to this point that their processing would also be good. Well, their processing is good. However, after analyzing my October 2011 statement, that 1.79% has somehow morphed to 5.14%! This doesn't include the $31.00 monthly fee we also pay to Authorize.net. But we knew of that fee going into the arrangement, but that would likely push our transaction fees close to 5.5%! We run some substantial transactions across our books. I have started offering a 2% discount to pre-pay by check. And they can ship me the check overnight on our FedEx account to avoid running credit cards across our WF merchant account.

I have filed a complaint with Leonard **, a manager in the WF Merchant Services Division. But after 24 hours, I've received no reply. I'll give him until next week to respond. At this point, I don't have any idea what recourse I have. I like the service and we've been treated well at the bank for the most part. But for them to be running close to 4% higher than they originally stated is unethical at best. And if I were to charge these kinds of fees, I'd be thrown in jail for loan-sharking. If anyone has any great suggestions, I'm all ears. Note to attorneys: I don't have the funds to sue. We're barely hanging on to the little we have as it is.

On September 27, 2011, I cashed in savings bonds in order to pay down my Sallie Mae loan. I went to the Lemon Grove Branch (#0073290) to cash in my bonds. The teller cashed in the 6 bonds I had brought in. She totaled the amount to be $2092.60. She gave me an itemized receipt for tax purposes. The receipt listed each bond with the issue date, face value, interest, and current value. I then sent in the amount I received to Sallie Mae. On November 17, 2011, I checked my account via online and saw that my savings account had a balance of -149.18. I am very diligent about my account and was horrified to see a negative balance. I called customer service and was told that because the debit of $274.20 was pending, there was no information regarding why the money was being taken out of my account. The next day the debit cleared and I still was unsure why the money had been debited. I filed a claim. It turns out that when the teller cashed in my bonds on September 27, 2011, she inadvertently valued one of the bonds at $684.00 when it was reportedly suppose to only have been valued at $409.80. I was never alerted to the error until almost two months later, when my account was debited for the difference ($274.20).

The only way Wells Fargo has tried to appease me is to tell me the overdraft fee of $35 would be credited, but that the error amount would stand. Given that I did not have enough money in that particular account to the cover the $274.20, customer service stated that I was to pay back my overdraft of $149.18 by December 8, 2011. I do not feel that I should be penalized with an overdraft charge or the amount of the difference of the actual worth of the bond. The teller made an error. My tax receipt does not show any identifying information about the teller. I am extremely distraught over the issue. I work hard to earn the minimal amount of money I do earn while trying to pay back an education loan. I have a Wells Fargo credit card that recently had the limit increased. I am a worthy customer. I use to feel like a valued customer. I do not anymore.

I am requesting an investigation. I am requesting my account be credited for the entire amount that was deducted, $274.20. I am also requesting to have the overdraft fees credited.

I will be closing my accounts. My trust in Wells Fargo is no longer. I will reiterate this issue with my parents and encourage them to change financial institutions as well. I will not speak highly of Wells Fargo in any conversation. I am extremely disappointed that I was offered nothing but a credit of $35 for an overdraft fee and an insistent statement for me to payback the money that was not my fault. Again, it was a teller error and a bank error that I should not have to be penalized for nor bear the cost. If this issue cannot be resolved by the board, I will not hesitate to speak to local media and initiate a claim with small claims court, if only to advertise the lack of concern and customer service Wells Fargo has shown me.

I spoke with personnel from the fraud department on 11-17-11 and was told that this matter was a "friendly fraud" but I was not getting my money back. Basically, the impression is that Wells Fargo condones fraud. The Attorney General will here about this.

We faxed bank statements to their written correspondence area, detailing the NSF charges on Friday, November 4th, 2011. We were told a few different stories varying from, we will receive a check in the mail in 7 to 10 days, to they will, upon receipt of the needed information, electronically transfer the amount of NSF charges back to our account. In either case, we were told by representatives of Wells Fargo that legally, they had to do this within 10 days.

Today is November 17th. We are still calling and being transferred from one uninformed person, to another, and have not received any refund of said charges. We have had to order stop payments on bills, and incur charges for those, due to the amount not being refunded to us. We never asked for anything more than what was ours. They lied to us, broke a fiduciary agreement with us, and caused us weeks of stress, and embarrassment. I do not believe they will ever refund our money.

I got off late and rushed to the nearest Wells Fargo. It was about 6:30 pm so I went into the Ralphs (Kroger) and requested a cashier's check. The banker asked me to scan my debit card and enter my pin no. I first requested the banker to reverse the check transaction that had been bounced earlier. The banker said no. I then requested a cashier's check. After I waited a few minutes, the banker requested my ID. I had to go back to the car and grab it so I left the window for a second and came back. When I got back, the banker told me that the funds had not cleared yet. She would have to verify the funds had been cleared. I couldn’t understand this.

My friend had loaned me the money by entering another Wells Fargo and depositing cash. I explained that to her and she said she saw the same thing on her screen. But she couldn’t do anything. I almost lost my mind right there on the spot. The manager came over and said the same thing that the funds would have to be verified. Funds which were deposited in cash and had already posted on my available balance. I went outside to get my phone to call the 800 number. When I got back in, the branch had closed and no one was any longer there. The branch was closed for the day

We currently agreed to make $50 payments at 2.3% APR in bi-weekly payments of $25, and we have been faithful to this day on the agreement, and now the plaintiff and his client, are going against their word. In addition, we have not heard from plaintiff and his client since April, that is real sad and not a way to run a business. No wonder the suicide rate is so high, and it's not because of an individual being on drugs, it's because of one's financial hardship and the plaintiffs clients institution. So one must think about commenting suicide, if one does not want to work out an issue with the other, and stand by in what they have accepted. Remember we feel that the plaintiffs client could have done all this without the plaintiff, but on the other hand they couldn't find me till I said the word suicide.

As we stated back on Thursday, 3 March 2011 to the plaintiff, that my wife and I were in awe over of all this. The plaintiff referred to a Wells Fargo Financial National Bank account # xxxx-xxxx-6739. We do have a Wells Fargo Financial National Bank account, but the account # xx-xxx3-3192 and are still currently paying on this account through our bank. The plaintiff said their client changed the account number back in early 2009, but could not give us the date. Our last hard copy of a billing statement was for the billing cycle of January 16, 2009 (evidence is attached), then we went through E-pay to pay the account# xx-xxx3-3192 through our bank the following month; due to Sterling Savings changing their computer system over back in October of 2010, I was just able to submit what had been paid before then, but please see the current (evidence is attached).

The plaintiff stated that they changed our account number back in early 2009. If in doing so, our bank would have not been able to submit payment, since that account was changed over. Since then, we have not received, nor heard, nor received, a statement from Wells Fargo Financial National Bank, then back in September 2010 we heard from, attorney Douglas **, INC.P.S, about the claim to our account. To this day, we still have not received nor heard anything till this summons.

We have been paying faithfully on the account since we opened it, in September 2008 with Bathfitters. In addition, after looking into this matter a little further I stated to the plaintiff, I had notice that Wells Fargo Financial National Bank didn't even report to Wells Fargo Home Mortgage when we refinance our home back in October 2009, that they had a lien against our home through Bathfitters. When we opened up this account, to remodel our bathroom in September 2008, and in October 9, 2009, we refinanced our house, so there should have been a lien report on it at the time of refinancing.

Furthermore, I have to emphasize again, no one has contacted us except for the plaintiff, and the Pierce Court Systems. Almost three years later, you would think if there was a problem, they would have contacted us, either by phone or mail, we are not trying to hide anything. Our current balance owed back in January 2009 was $6,211.73. Like my wife said, we are in awe over this, because we have been paying Wells Fargo faithfully, and have not heard anything until the plaintiff's attorney sent us a letter, so one must have wondered is this is a scam.

Since we know this is not a scam, we needed to have Wells Fargo to work with us, not against us, since there was no communication. We still have not received a letter from Wells Fargo when our account number was changed back in 2009, but we are still making payments to account # xx-xxx3-3192. In addition, Wells Fargo has worked with us by dropping all the penalty charges, for example overcharges, late fees, in the Stipulation and Stipulated Judgment documents we sent back; as well, the plaintiff revised the Stipulation and Stipulated Judgment documents, when I found something that was misleading, morally and ethically wrong in the stipulated judgment in section 9; that attorneys' fees, cost' and other recovered amount bared an interest of 2.3%.

Our proposal and agreement was with his client, not their attorney. The plaintiff is just the middleman so he was misleading representation. We, the defendant found, know were in RCW 4.84.010. Does it state that the attorneys' fees are allowed to bear interest? So, the plaintiff deducted those interest charges.

We have done everything in our power to make ends meet, but unfortunately we have fallen short, like most families here in the United States, due to the current recession. Interest rates have increased on our credit cards, and we have additional medical bills exceeding over $7,500.00 (please see attached evidence of our actual monthly liabilities), show that we are in the red, -$168 per month.

Many are predicting that the current recession will end soon, maybe later this year, or next year, but I'm concerned it may take years. Since the plaintiff and his client want to go back on what was agreed upon in the revised Stipulation and Stipulated Judgment documents, this is morally and ethically wrong, and we have no choice but to file for an Order For Slow Pay Of Judgment, since Wells Fargo has reconsidered in assisting us, through this time an error. We have been working, in addition with our other creditors in lowering their interest rates, as well, and we have heard back from some of them, and they have all agreed in lowering their interest rate and payment. Since Wells Fargo no longer wants to help us in their time and error, we have decided to file for an Order For Slow Pay Of Judgment.

These grounds will come out during our hearing that is scheduled on Thursday, 17th of November, 2011 at 1:30 PM, upon the defendants motion to pay judgment by installments (slow pay motion), and the defendant(s) having shown good cause, that they are entitled to the relief sought; will be hereby then Ordered, Adjudged, and Decreed, that the judgment is commuted to installment payments, in the amount of $ 35, to be paid to the Pierce County District Court Clerk on the 15th day of each month, beginning on the 15th day of December, 2011, and further execution by garnishment is hereby stayed pending further orders of this Court.

The costs of this cause are taxed against the defendant(s), for which execution may issue.

My understanding is to verify the check like another manger has done before. Adriana refused and just told me to leave. I was very embarrassed and called my dad which was waiting like always for a call to verify the check he wrote me. So I left the branch and went out of my way to another branch where my dad met me just in case there was trouble again. We were both upset.

You can look up my parents to see how long they have been with Wells Fargo and for this to happen after all these years. I am still up set about the whole thing and so are they. Something needs to be done or someone needs to be talked to about customers and how the branch would like to keep these faithful ones esp. not to let other people know of worst experiences.

They kept putting on overdraft fees for the fees that they would run every time my account was low. I spoke with merchant services who informed me that it wasn't them doing that, it was the bank. I spoke with the customer service manager who told me it was merchant services who was doing that. I talked to merchant services again and told them that the agreement on how the funds would be deducted from my account was not being honored. They said that they were taking the fees out as the agreement stated as soon as the cards were ran then the fees were being deducted from the account and that the bank was paying them out and holding onto the fees themselves instead of taking it out of our account and then waiting until our account was low and hitting it with one large sum.

Now they also keep calling me with threats after I told them that I was disputing those charges and contacting the attorney general to investigate them because I know I am not the only small business that they are doing this to. After I closed the merchant account, they also continued to send me statements charging me fees for a merchant account that is no longer opened or in use. How is this, I asked them. Now after doing this to me three times and each time I would call and complain cause they would take all these fees from my account and overdraft fees that they also charged me on top of all of this, they would assure me that it wouldn't happen again but of course it would. After paying all these fees, they had the nerve to send me a statement claiming that they paid me back for all those fees which is an outright lie.

They didn't process the payment until the 11th. They claimed that because I had paid the $6000 before the billing date that $0 would go toward the cash advance. They refused to adjust the payment to pay the higher interest charge first and were rude and antagonistic in the bank and online.

I spoke to Tom online on 11/12/11 and he was very rude, telling me that I should go ahead and complain because they were right and I was wrong (basic wording). I eventually had to pay off the card with another new card from my credit union. Their online customer service says different things from the bank branch management. I came to the conclusion that they were playing games to frustrate customers and not giving them any benefits.

This is costing us time and money. We have a moving truck loaded and costing money each day we have it. We had to turn in a truck we had paid for that we couldn't use once the closings were cancelled, not to mention food, lodging, and missed work!

I spoke to a rude lady in their Complaint Department. She was so rude. They are unwilling to help us in anyway because they say we are the sellers and not their customer. Guess again! We have a checking and savings with them and they hold our current mortgage. We are pulling our accounts with them today and posting to as many websites. They are rude and inefficient, and incompetence cannot be tolerated!

I explained to the manager what the problem was and that it was a life and death problem, as the hotel wanted to remove me from the room 221 days in . I had to wait for the other bankers. A banker was given to me 15 minutes later. She just kept on asking me for different things that she knew I did not have in order to finish (all this this was not needed). I had to been there 45 min by now and not any closer to getting my account fixed. ll of this should have been done in 10 to 20 min, if this lazy manager would have helped me from the beginning.

I bent with these so called experts banker people and they just kept on stalling me ,so I got loud and demanded my money! This big fat manager came out yelling if I said any thing else she was calling the police (who the hell is she) to tell me to stop talking. As far as I'm concerned, she was trying to make me a homeless man stealing my money. So I was forced to remove all my money in order to pay my bills and have a place to stay. Why would they just give me all my money with the same items, but they could not help me when I just needed my accounts fixed to get 55.00? All of this took 4 1/2 hours?

I asked him why he hadn't explained this step when he "told" me what I had actually done. He told me "rather importantly", that it was a manual modification that I chose to do. I explained that based on what I was seeing on the screen and the dates being displayed that I didn't think I had a choice. He was rude and condescending in his tone and manner. I explained that I would like his name and I wanted to close out my accounts if I couldn't count on WF not to double charge me. He refused to give me his name at all and told me that the call was being recorded. I said, "good - then you should understand good customer service and that is when a customer ask you something such as your name or to speak to your supervisor that you should comply."

He continued to run around in circles telling me that he would explain and answer my question. I said, "Okay, what is your name?" This went on for some time and to no avail. He finally buckled and told me his name was Steve. Again, I asked for his last name and/or his supervisor. He continued to circle around the question and was extremely rude. He finally told me he would get a supervisor, that took quite a bit of time.

A gentlemen came on and in a very deep tone said, something to the effect of, "Yes, can I help you?" I began to explain about the bill pay miss understanding and got only a couple of sentences in and I was cut off. The loud beeping in my ear was the signal that your organization has some very poor customer service. So this "Steve" was incredibly rude. I truly believe that the supervisor who did not give a name was a fake. I will be taking my business elsewhere as soon as I can. I am very disappointed in your organization and most importantly, in your shoddy customer service.

I was told that my so called security questions was not entered correctly then I was told I needed a pin number, then I was told there were some type of fraud on my account but was never told what. Are you getting my point? I have never in my entire life experienced such unprofessionalism from a financial institution in all my years of working at a bank, and never with such pointing the finger at the customer to make themselves sound somewhat intelligent. It's so unprofessional of Wells Fargo to allow an employee or employees to answer a phone and transfer a customer from one to another. No one should be transferred more than twice. Some serious training need to be done in the area of customer service. I was then told to go into a Wells Fargo branch to be Identified. I did as I was instructed to do after the customer service representatives were not capable of solving the issue. Every person I spoke with made this comment, "Sorry, I am not able to help you. I will need to transfer you."

On Thursday October 27, 2011, I visited the Wells Fargo branch located on 1101 North Main Street, Anderson South Carolina. I spoke with a gentleman by the name of Ryan ***, a very nice young man as well as very professional. He looked at the account and called again the customer service line. Listening to his part of the conversation taking place over the phone, he was pretty much told the same things a bunch of garbage that the security questions was entered wrong, I need a pin number, etc. He was then told to relay to me that everything had been taken care of and that the system was down but I just need to call them on Friday before I try to log in online because they, meaning the fraud department, were the only person who would be able take the lock off the account. I thanked Mr. *** and I told him before I left I bet I will need to come back to this bank again. He said they, being the person(s) with online customer service, assured me that I would not.

The next day, I again called the customer service line and the nightmare started all over again, with the same lies, and transferred again a million times with no solution. I was told again that I would need to go into a branch to be again identified. Give me a break. This phone conversation at this point was going downhill real fast and still no solutions. They pretty much were saying this was our entire fault which was not the case at all. New Hope Baptist Church never had a so call Pin Number to access any of our accounts. Only a user ID and password. No church in their right minds would give a congregation access to a pin number. I then went back into the same branch, spoke with Mr. *** and explained to him the same information all over again. Mr. *** was again very professional and finally with his knowledge was able to get them to walk through the process with him to assure him that before I left that branch that I would be able to assess my account. It's because of Mr. Ryan *** that I did not close out New Hope Baptist Church accounts that day. But we are still planning to close these accounts, as well as a news article in our local newspaper about the unprofessional handling of simple matter.

To sum this up, Wachovia converted to Wells Fargo due to the takeover. New Hope Baptist Church happens to be an old customer of Wachovia as well as a number of people who attend this church as well and several of them have also had serious issues with online services as well as you customer services department. Recent changes in leadership personnel led to a real downgrade in services. At this point, I will tell anyone to stay away from this bank and do yourself a favor, go to another bank that treats their customers like they should be treated. No one seems to understand the meaning of customer services or consumer. But if you decide to stay, make sure if you have a problem asked for Mr. Ryan *** at the *** Store located at ***. ***

Diane had advised me the day I was in her office, on or before the 2nd of November, that I would have to have opted for the debit allowance upon opening the account, for debit to be allowed, with insufficient funds available. Something I assured Diane that I would have never done, since I am only receiving two paychecks per month.

Conflict resolution requested would be agreeable, if Wellsfargo were to refund the whole amount of the bank fees incurred, due to the account having had sufficient funds, to cover the purchases.

Okay, lady. Drive-up- I was given a hard sell on yet another account feature, that this teller thought I needed (automatic bill pay). I told her 3 times I was not interested, and that I was in a hurry. She would not send my deposit receipt until I made it clear I was not interested.

Drive-up- I was on my way to a doctor's appointment when my husband and I drew straws to see who would "have to go to Wells Fargo". I lost. I was going to the doctor's to get test results (scary test results) when the teller tried to hard-sell me again. Automatic bill pay. Some budgeting thing. I told him right off the bat I didn't have time. "I am on my way to an appointment, I don't have time for the sell today. "

I went off on him. I yelled and cussed him out. He finally gave me a curt "thank you," and sent my deposit receipt after I told him that my husband chose emptying the cat box, and cleaning up the dog poo in the backyard, over having to go to Wells Fargo.

No concept of "I'm in a hurry". No concept of customer needs/wants. Drive-up does not mean convenience or speed of service. Furthermore, there are other people in the the nearby lanes who can hear everything. A teller once tried to go into a long speech about overdraft/budgeting features. Thank you for announcing to the world that I had a rough week and bounced a check.

Did I mention my boss was in the car with me that day? I went to a credit union and has not been harassed since. I felt like I was being financially and mentally raped, every time I set foot into a Wells Fargo bank.

Finally after several minutes the same senior associate walks over and asks me how she could help me. She already knew why I was there. She stared right at me the first time she was shown my checks. She then tried to get me to open an account, I declined again. Then she grilled me for a while, made small talk asked for my ID's and thumb print and then reluctantly initialed/approved the checks. Then she directed me to the back of the customer line. I've already waited in minutes before. They made me wait in line twice? That feels a lot like punishment! I thought this was a fluke. So I didn't think much until I went to another branch and the same thing happened again!

I've cashed plenty of checks at Wells Fargo over the last year, so I know now this is a new policy. They claim it's to 'prevent fraud', which may be true to some extent, but I realized it's also a new power move to stream potential new customers to Accounts and to discourage non-customers from coming in and cashing checks at their banks. There seem to be a surreptitiously engineered increased wait times and higher pressure tactics account sales for all non Wells Fargo customers. They should be required to post that information. Something like: "Non Wells Fargo customers can expect wait times of up to 10-20 minutes". I'm no longer accepting Wells Fargo checks from anyone.

Fast forward, 5 years and we were able to open an account with Wells Fargo. Much to our surprise, the person who opened our account had full knowledge of what had happened to us in the past with BoA and opened our account anyways. We kept these accounts in good standing for over 6 months. A few weeks ago, while on a Disneyland vacation for my wife's birthday, we were unable to use our debit card. We figured it was because of that security feature they place on your card that freezes it if you are more than a certain distance from your area. The next day, it happened again so I called the bank and I was told that my accounts have been closed. No warning at all. I asked why and the guy said he didn't have that information. I asked to speak with a manager and was told only that something from an old bank came up and I need to call ChexSystem and find out from them.

I asked to come to the bank and pick up my $1000 and was told "no, we will send you a check in 10 days". Well, that was on the 10th of this month and here it is, the 28th, and surprise! No check! Anyways, I did contact ChexSystems and asked for a copy of my report and all it said was "there is possible fraud activity". Not that I have been proven of fraud, mind you, but that I am just suspected of it. Such **, BoA knew I did not willingly participate in fraud but they refused to take it off and continue to make my life financially impossible due to this. But my main complaint is with Wells Fargo, who knew I had these issues and opened my account anyways only to shut it with no warning and lie about when I would get my money. I have bills to pay and kids to feed. Not to mention, rent. This has put me in such a bind and is completely unfair. Not to mention, how is it legal for them to just keep your money? Why does our government not do something about companies like ChexSystems? How can they have so much control over my life like this?

I changed my database that I see on my computer to reflect this new Freedom Visa account. I paid my bills online as I always have. However on 8/31/11 Wells Fargo duplicated my payment for the same amount, $325.25. They paid $325.25 to Chase Freedom and $325.25 to Chase AOL. Both of these accounts have the same account numbers. However, on my computer I can only see the one Freedom account and I only see on my computer one payment. I spent 134 minutes speaking with 8 different people at Wells Fargo.

One of these online people explained to me, "Looking at you account I see we have 2 accounts on our end with the same account number. I realize you only see one. It looks like we have been paying on one or the other names as it has been going into the same account number. I do see we debited you twice for the same amount at the same time. " They admitted an error; however, no one was willing to put this amount back into my account. The 6th person I spoke with deleted this AOL account that I could not see even exist, as it does not show on my Bill Pay account lists, which on their side they could see it.

They screwed up and the last individual I spoke with lied and told me that AOL was on my list. When I made a copy of my account list showing she was wrong, she blamed me and continued to be rude. She told me all the other 7 I spoke with were wrong too and she is supposed to be the problem solver at Corp in the "Bay area, CA. "

I filed a case number as a complaint as they refused to even temporarily credit me for this duplication. I have never been treated as rudely as by the last lady I spoke with. I would like her bosses to hear how rudely she treated me as that conversation was being recorded. Their own people admitted the mistake and still they would not credit me for their mistake. Please look into this. Thank you.

My grandson Conrad was also was arrested for the same thing. This car was the only car they had to drive at the time. His landlord has asked him to move the car because he didn't want it setting there not being drivable. So Conrad has it in storage. I hope you can me help me soon. Thank you.

I am a widow of a regular officer of the United States Air Force, with a rank of Major, and I shop regularly in a month at the Commissary and Exchange Stores of the Los Angeles Air Force Base, ranging from $220 to $350. Suddenly, the "authorization of my card" was "denied" on 6-18-11 and again on both 9-10 and 10-15. Obviously to have my card "denied authorization" is embarrassing and humiliating, particularly when I know everyone, from the clerks, department heads, and manager; being an officer's wife, with 80 items in a cart in front of a crowded store on a weekend; and my cart was moved to a secure location, until I could get "authorization" which took three (3) attempts.

It was necessary for me to recover from embarrassment, so I proceeded to contact Wells Fargo (WF) and suffer the "phone pad exercise" to attempt recourse; on all occasions the "customer service" response was deplorable. There were two in Iowa, one in Oregon; I am in Huntington Beach, CA, no apology. Moreover, the last experience in Oregon, the guy thought it "cute", "funny", and "twice before!" The regimen (while in a public and noisy traffic) required my date of birth, a security question, the last four of my SS#, even the # of my Checking Account, the Security Code on the reverse of the MC, and all the while, a clerk standing by with the unpaid for cart, of course, to go back and "check-out," and then have a bagger carry-out my purchases in utter embarrassment, the third time!

Wells Fargo "management" has a system where all "customer service responders" are "supervisors", deliberately rude and indifferent, and "managers" are unavailable; they don't talk to "customers". I cannot believe this was repeated a second time. Returning home Saturday, 10-15, I phoned "customer service" to no surprise, so what? Instead of credit card, I was transferred to checking, and then back to credit card to be disconnected. Phoning back, I was informed it had to be handled by Fraud Detection (Fraud Protection? Why?). I was provided an address in Charlotte, NC by Tony **, in Oregon as all the others: WFCC, PO 560947 Charlotte, NC 28256. (Note that there is no direct contact with "management" to ensure this is remedied permanently.)

Recently, I submitted a "dispute" over a misrepresented purchase of $56. The merchant wanted remedy of a "store credit" for one year on my MC account, especially after rudely ordering me out of his store, as if I would ever trade there again. WF accepted this "gesture," noted my rejection of the resolution to the credit bureaus! I have an 800+ FICO. I have offers of Platinum Cards at 0% purchases and balance transfers over 15 billing cycles. To trash WF and apply for another account is a Credit Bureau derogatory!

This experience is horrendous; one can only imagine the battery of desperate homeowners trying to resolve mortgage lending issues with "those people." Banking reform is a subterfuge, a sham, and a disgrace. Instead of coherent and cogent billing with date, previous balance, changes, new balance, minimum payment and due date, with days in cycle, it is scattered all over the billings in multiple pages, and no longer is annual percentage rate (APR) computed where there are varying rates on promotional options? So much for banking reform and consumer protection!

I called Wells Fargo Prevention Center. I spoke to a representative who told me that an investigator was going to review my account. And I was told to call back in an hour and that they were the only person who would be able to release my funds to me. I told her that I rent to pay and was already a week late. When I called back, the representative informed me that they were going to release the money in my savings account. But the rep told me that the investigator was waiting to get clearance on the funds in my checking that was transferred from my unemployment BofA prepaid card. I stated that it was my unemployment payment and that I needed that to pay bills.

When I was finally transferred to an executive, Lorena (agent # **), she rudely told me that I would not be able to access any of the money in either my checking and savings. And she told me that my account was scheduled to be closed on October 19, 2011 and that on October 20, 2011, a cashier's check will be sent out to me and I should receive it in 10 days. I told her that one minute they make it seem like I could access my money, especially since I maintained a good steady account with Wells Fargo. And now I'm left in a bind because of an issue that is still being dealt with through another bank. If this was such an issue, why would a branch manager even approve my request to open a new account with Wells Fargo? Lorena then stated that she could do nothing for me and then hung up on me. It's so unprofessional of Wells Fargo's employees to treat someone so unfairly.

Had I known of their thieving business practice, I would have printed out my statements all 4 days to show the activity. They moved the numbers around to benefit them, and I was left with a nice fat bill. I went into the branch to tell the manager what happened, but I was informed the fees could not be reversed. So I told him I wanted to close my account, and he said that I could not until the fees were paid and that if I did not pay them I would incur a daily overdraft fee.

Needless to say, I refused to pay the bill and now have a collection agency after me for the money along with their fees! This is affecting my ability to buy a home, and I want to fight it; I'm just not sure how. I hate being the "little" man! Any suggestions would be greatly appreciated.

I had returned to the bank 3 times for stupid little mistakes. And after the 3rd visit and 3rd phone call, the woman who opened my accounts told me that she applied for the credit card for me. Now, I had to go down (again) to "unapply" for the credit card. I went there that day to find that she was not there and her manager was. The manager told me that the woman who opened my accounts and applied for the credit card in my name had been spoken to and would again be spoken to by another manager and that what she did was wrong. They apologized and closed my accounts without any fee.