Wells Fargo Reviews

Before hanging up, I asked the customer service representative to send me a letter documenting what had occurred. She transferred me to someone else, who told me that Wells Fargo would not send me a letter documenting the incident. I asked to speak with a supervisor. The supervisor, Christine, also said that she would not send a letter. Wells Fargo apparently had a computer problem related to the merger with Wachovia that was found when I called to investigate. They recognized the problem, admitted that it was of their doing, and fixed it.

They should also be able to send me a letter apologizing for the mistake and thanking me for my business. Instead, the supervisor tried to accuse me of being delinquent for not having auto-payment set up on the account. If this problem is common and a result of the merger, then they owe an apology and explanation to me and many other customers as well. For me, the damage was minimal, so far, at least. We'll need to wait and see whether Wells Fargo charges a late fee and reports the payment as delinquent to the credit bureaus.

While Wells Fargo publishes all of the elements of a real electronic age bank, their notification system is slow. I had e-notices setup and money in 3 different accounts. One transaction came in on Monday which put me overdrawn. I had money in other accounts to cover but did not realize I needed to transfer it until the notice came via email Wednesday at 4:50pm. Ouch! They gladly processed 10 transactions across the following 2 days and charged me $35 each.

The bottom line is these practices are crooked and all to Wells Fargo's advantage. Spread simple things like this across their user base, it is a lot of money. Pure profit! The Customer Service people will all tell you, "It is in your Service Agreement" which by the way changes about once a month. Rest assured, those changes are not to your advantage! I moved all of my business to Chase after 15 years with Wells. They have been awesome. Real-time alerts. Run your debit card and the transaction hits your phone in.

I paid the $3,600 and picked up my car at the auction, where it was located last week on 6/22/10. When I saw my car at the auction, the front bumper was hanging off from the right and left sides. Someone must have pulled the bumper from the left side to take the converter box for my HID head light because it was missing. The thief (or thieves) were not able to take the converter box from the right side because it was not reachable on that side. The DVD for the navigation system was also missing. I filed a report with the auction company, where they told me I had to file a claim with Wells Fargo. I filed the claim with Wells Fargo, but have not received a call or anything from them regarding this matter.

When I drive my car, the bumper and the bumper liner rub against the street and the front tires. I can't even use my navigation system that came equipped with the car because it doesn't function without the missing DVD. I can't even drive it because the bumper is dislocated.

Recently, I am late and plan on paying my payment late, because I am tired of being late for my mortgage and utilities due to the harassment from these people. Even when I told them when I can pay, they continue to harass me. I have told them I plan to sue them for harassment. Also, my balance never seems to decrease.

I cannot take the phone calls anymore. I am experiencing physical effects from the continued harassment. I have constant stomachaches and am starting to experience chest pain. Due to changes in finances and rising other costs, I only originally asked them to change my due date so they would stop the calls. But I really needed to be able to make other arrangements (such as only pay interest for a month) to get square with other important bills. If I could, I would obviously pay them off and will, as soon as I am able. But I want them to get in trouble for their unethical behavior, as I do not have a contract though I have told both places that I don't.

I have no idea if my contract says to expect harassment as part of their customer service package. Any help you can provide me will be greatly appreciated. It is taking forever to pay them off ($1800 with $180 to $200 per month payments), and I am physically becoming ill over the unending abuse and lack of human cooperation!

I was told that it was because of my credit report that I was turned downed. Well of course, my credit score is bad. If it wasn't I would not be applying for a secured credit card. On top of that, Wachovia (a part of Wells Fargo) is my bank. They actually asked for my banking info on the application and the money was there waiting for withdrawal.

What annoys me the most about this is that I did not get a bail out! How do you receive a government bail-out and then refuse a secured credit card because someone has bad credit. On top of that, the woman I was talking to on the phone refused to let me speak to a manager. Her words,"Ma'am, the manager is going to tell you the same thing I am." I said I still wanted a call back from a manager and then she continued to explain to me how my bad credit was the reason for the rejection. Obviously you need good credit even for a Wells Fargo secured credit card.

Wells Fargo should be ashamed. I guess they are the only ones who get to start over. And,on the taxpayers dime.

January 2009, she asked them when this lease was supposed to be paid off, they said the reason. I am still paying in some auto renewal and I have to give them notice. I gave them notice right then and there and they said I have to pay them another $500.

Okay, I paid them. This is July 2010 and a lawyer from them calls me and said, they are going to sue me for $5,000 and the lease is still ongoing. The stupid copy machine lease was only for $5,000 and I have to date paid them almost $9,000 which is $4,000 more than I should have. Okay, I feel like a sucker for over paying in the first place. But at this point, I am dismayed that a company of their size chooses to continually keep trying to rip off what has been a good customer to them.

Why can't honest people deal with honest companies and at the end of a deal, you part ways and possibly continue to do future business together? I went into this thinking Wells Fargo, the pony express company. They must be a good company to deal with. Boy, did I ever wake up [realizing how wrong I was]? Can anyone help? I overpaid $4,000 and have seek legal console. I have no idea what that will cost. I lost probably 75 hours of billable time at $85 and how do you put a price tag on the sleepless nights?

I made the effort to deposit my money but couldn't why should I have to pay exorbitant fees. The manager admitted they had problems and the machine was down when I walked in to speak to them. I thought this was resolved and was led to believe it was taken care of. However, it wasn't and they, a year later, have sent me to collections in an attempt to ruin my credit. Not only this, after this happened, they immediately closed my account as a long term customer after 8 years of business with them and stopped my being able to print the records of my transactions so I could no longer see what fees they were giving me. I have no records of what they did.

I want to file a complaint about unfair business practices. I went into the bank and agreed to cover my checks that needed covering but I will not cover these duplicate fees day after day they kept racking up. I had to stop using this bank because I could not afford to work with them any longer as they were highly taking advantage of me. Please help me get this resolved. They put me on a dialer and want to stop my being able to use a bank account for my daily banking, hurting me significantly. This is how they treat long term customers. They were once a good bank but they changed business practices and I was left not understanding what they were doing in house. They could change my balance at any time. They wanted by how they kept documenting things. I do not know what they have done to me.

On February 2010 they make me pay more on my monthly payment because I did not pay enough. If I am making my payments early, and I paying more without skipping a month, how I have to pay more? How my principal does not go down? The customer service representative told me to call back to get my extra payment posted towards my principal. Every time that I'm calling there is a problem. Each one tells me something different. Wachovia Bank asked me to make my payments online. But Wachovia Bank does not have the options to make principal payments only. After I called and told them that I will be reporting them to consumer complaint, they told me that I have to send a separate check to be applied to my principal. It’s inconvenient for me as I have to pay more on stamp, envelope, and gas.

So why is Wachovia Bank suggesting to their customer to make payments online and they do not have the options? They told me that the system applies the extra money towards my principal. It is not so. This will explain my next payment. Someone, please help me. I am not an illegal alien. I'm in USA. I’m paying more and my principal is not going down.

If you have $1000 in your account and make a .50 mistake, this is how it could line up. 50 transactions totaling $300 and one at $950. They don't care how it happened, they will process the largest to smallest and NSF you as many as they can get. You would receive 49 x $35 -$1715 in NSF fees for being that valued customer. If done smallest to largest, you would have 1 x $35 - $35. This has happened to me to the tune of $350.

They will also use holds against you even if they don't clear. If there was a chance that the transaction could cause an NSF, they will charge you for it even if it didn't happen just to get the fees. This also happened recently. I had two hold transactions totaling less than $20. If they had been processed, it would have caused an overdraft situation.

It didn't, yet they will still charge you $70 in fees because it could have happened. Crazy way to treat, I mean cheat, any customer. I also have direct deposit. Before I was on DD, I received my pay on Thursday every week and made a deposit that posted 12PM Thursday. Now that I have DD, they clear all transactions before posting the deposit of the money that they already have in hopes of causing an NSF situation. I'll see the DD transaction on Friday as pending all day even though they have the money from my employer already.

They do this so that they can hook that valued customer up with charges for something that didn't happen. I could give so many specifics of the way Wells Fargo cheats their customers just to make a buck at their expense. This needs to be stopped! I would be in on any class action lawsuit that my arise. As you know, the NSF charges come out and cause more problems because you didn't see the cheats coming.

When I started getting them I found out, for the first time, that Merck had many years ago spun off Medco Health, and I had some shares of that, of which I'd also never gotten any statement for from either the original company or Wells Fargo. That was a nice chunk of change I didn't even know I had.

About two years ago I told them to only send hard copy statements through the mail and to block all online access because of a keylogger trojan problem I had. Most companies like Vanguard immediately took care of the issue, but with Wells Fargo it was the same problem all over again. They'd say they stopped online access and yet I could still log on. So once again it took multiple calls and finally speaking to the right person who fixed it for me.

So for the last six months, having solved my trojan problems, I asked them to give me access back to my account online. I did this with all the mutual fund companies, banks and my two brokerage accounts. Everything went fine except for Wells Fargo. Still to this day I do not have access to my account online. I just spoke with them again today, and they said "so-and-so in such-and-such department is working on it, but I'm not in that department, and they're gone for the day, so I can't see what the status of it is". I've had two supervisors promise me they'd look into it and fix it, and call me back. They never did.

I can't get over such a major bank as Wells Fargo being so terrible with their customer service but I'm not at all surprised by it. In the 1980's I had savings and checking at a Wells Fargo in Vallejo, CA, and later in Elko, Nevada and I found on several occasions where deposits had not been credited to my account or that they had credited the incorrect amounts. Needless to say I quit doing business with them! When I moved to Visalia, CA the first bank we came to in town was a Wells Fargo, and as I had a bunch of gold coins with me that I carried in my car on the move, I went in, opened a free checking and then got a safe deposit box to put my gold in. I knew I was only anchoring the safe deposit with the checking, as at that time they told me I had to have an account there to have the safe box.

Each year we'd get a bill for the box and we'd pay it, but we never went to the branch anymore. When we first started banking in Visalia in 1989 we started an account at Wells Fargo just because it was the first bank we found, and I knew it was a mistake. Every single month our statement was fouled up! They had deposits wrong, always smaller than what we deposited. I never did hear an explanation of why this kept occurring. So after about six months of a checking nightmare with these bozos we switched over to Coast Savings and Loan, which later was taken over by another bank, but with them we never had even one problem. So we didn't go to the branch much anymore. When we closed the account we asked about the safe box and they said it was OK, considering what they'd put us through, it was OK to keep the box there without an account.

One day I was downtown where the bank was, and I stopped in my tracks and stared in wonder at the vacant lot where the bank had been. There were some workmen there getting ready to build something and I asked them, "Where did Wells Fargo go?" And they kinda laughed at me and said, "It's down the street a few blocks". And indeed there was the new location of my bank branch. I asked my wife and we had never received notice the branch was moving probably because we only had a safe deposit box.

I went in the bank and took my key to the safe deposit window, I was glad to see they had my card on file and we went in to the area with the boxes, and the girl took me to a box with the same number as mine only it was the smallest box you can get instead of the very large box I had. She then said that's all there is. I explained to her about my box and she didn't have a clue what could have happened to my box. I had to go sit down, I felt faint and ill. I didn't raise my voice or become angry at all. I was just overwhelmed and the stress of the situation was completely taken physically by me.

Then this woman comes over, she was elderly and wearing a crooked little wig. She was immediately hostile to me and at first it took me a second to realize what was happening, I was in a fog and still felt like I was going to fall over. She really woke me up when she said, "We don't need your kind of people in this bank". Now you must realize, I was very well dressed and clean shaven. I wasn't acting drunk or on drugs. I explained to her that I was upset because they didn't seem to have my safe deposit box. She wanted my account number and when I didn't have one as we no longer had accounts there, she was openly hostile and venomous toward me. I asked her if she had me confused with someone else, and she just mumbled something and sort of wandered away. I just sat there dumbfounded, and then she came back and renewed her attack, saying she was the assistant manager and if I didn't leave she would call the police.

Perhaps my suit and tie clashed and that was what was upsetting her? About that time the original young woman came rushing over looking very concerned that Mrs. Whackjob was hassling me, and she pleaded with the woman that I was a customer and that they had misplaced my safe deposit box, but they had now found it! Relieved I followed her with Mrs. Whackjob following us mumbling things behind me, and they took me to my box and all was well. Yeah! That's the most important part. They had two banks of boxes with duplicate numbers and the really big boxes didn't get used much so the girl didn't know.

After checking all my stuff and on the way out the assistant manager (who I've meanly called Mrs. Whackjob) stopped me, barring my way, and said as I didn't have an account in their bank I would have to remove my safe deposit box right away. I assured her that I would do so immediately and made sure I wrote down her name. I spent part of the afternoon on the phone to the corporate HQ of Wells Fargo explaining to them that they had a mental patient working as the assistant manager of their branch. I later received two letters of apology from the bank, carefully worded so as to avoid any admission of guilt. I swore I'd never deal with Wells Fargo Bank ever again, as they really sucked.

Then in 2009 my mom in Vallejo, California had a stroke in May and had passed away by October. Unfortunately for me, she had her checking account at Wells Fargo. I won't bore you with all the details but they put me and my mom through hell because she couldn't come into the bank, and even though I had full legal power of attorney which I provided them, they still made both our lives miserable just trying to cash a check or pay a few bills for her. What we had to do was, I just paid everything out of my checking and then she later would reimburse me, things like that because we couldn't get through to the morons at the Vallejo branch that I had all the legal paperwork in order. My estate attorney told me they were famous for making it really hard to get the money in these cases, and in his opinion it wasn't because they were making sure relatives weren't ripping off elderly parents, but because of just stupidity and a desire to keep the money in their bank as long as possible. I'm not sure about that but they treated me and my mom both like **.

Today, they finally resolved it and called me, before 8 in the morning! Did I expect any better? Here's what I wrote them: "Customer service, I have a problem. After trying for quite some time to get re-access to my account, you folks finally resolved it and called me back, at 7:40 AM my time. I don't really like being woke up by phone calls from Wells Fargo, but my son is in the Mao Clinic in Scottsdale, and so I thought the phone call must be about him. It was upsetting to say the least. Once again you've exceeded all expectations for incredibly poor customer service. Thanks a whole helluva lot!"

If you have questions or need further assistance accessing your account online, please call our office toll-free. Our Shareowner Relations Online Specialists are available to assist you Monday through Friday, from 7 a.m. to 7 p.m. Central Time."

Wells Fargo's service is just so third world! I bet the banks are better in Uganda!

As soon as we found the forgeries we notified Wells Fargo, first our local bank and then the claims department. Even though all we have asked is to be reimbursed for a very small portion of the money that they allowed this woman to get, they have denied the claim saying that we should have been more aware. I agree that we should have been more careful but some of these altered checks and even the forgeries were so obvious that anyone who looked at the check could see that there was something wrong with it. This isn't about someone trying to make money on a bank. It's about a bank remembering that customers are why they are in business in the first place. The amount that we asked for was $2,400, the actual amount that this woman got in the last 18 months was $8,000.

What alert us was that something was wrong was the fact that after over 9 years of having money left over at the end of the month, my grandfather was suddenly having to pay overdraft fees every month. Of course, why would the bank who makes money on overdraft protection want to bring this to anyone's attention. Wells Fargo has given us a run around and wasted much of our time regarding how they protect you from fraud. Don't believe that this institution cares about you or your assessments.

The great waste of time and the feeling that we are only being used is unreal. My grandfather receives only his social security check of 1,500 a month. This bank helped someone make his life harder just by not going that little bit and notifying the others on the account about unusual amounts of overdrawn activity that had never happened before. Are we financially ruined, no, is our trust in this financial institution ruined. Most certainly.

In mid-February I spent a total of 17 hours with six different customer service representatives and finally a Branch Manager at one of the Wachovia locations getting the problem corrected. The only explanation I received was that with the Wells Fargo acquisition of Wachovia a glitch must have dropped/changed one of the accounts. They did, however, reverse the charges that had been assessed to my account by Wells Fargo, but not by the companies who had charged us for unavailable funds! This incident must have been a test run for Wells Fargo. In May, all on one day, we again received numerous fees for overdraft transfers. I called again and was told that although Wachovia opposed the change, Wells Fargo had unilaterally decided that no more than one checking account would be allowed to be covered by an equity line for overdraft protection, affective April 1, 2010. My only option was to open yet another account, savings account, with Wells Fargo/Wachovia and basically park money in it to act as a second overdraft protection account. Loss of time (20 hours) in resolving the problem Wells Fargo Created: $1,630.00 Assessed Fees from other companies due to Wells Fargo's intentional fee generating account changes: $70.00.

Since the finalization of the Wells Fargo acquisition of Wachovia is not legally complete they still have two separate customer service departments. After contacting Wells Fargo I found that the only way to register a complaint about their policies or change in services is to compose a paper document and send it via conventional mail. I expect this is done to vastly limit the number of complaints they receive - it's inconceivable for a company as large and as electronically networked as Wells Fargo to only offer analog communications in an electronic world, unless it is intentionally done to be able to statistically claim that they have very few complaints. Wachovia did reverse the charges to our account due to the changes made to our accounts by Wells Fargo, which was appreciated. But I don't have the time, and will not continue giving a considerable amount of interest generated revenues and income to Wells Fargo when all we get in return is unannounced changes to our accounts, less services, stress, frustration, and loss of time in resolving the problems Wells Fargo creates as a consequence of us doing business with them. Community banks appear to be having a comeback, with the service or lack of service that banks like Wells Fargo are providing I can understand why!

I experienced a loss to my property due to water damage in December 2009. In the six months of this experience, I have called your loss drafts phone number and fax number to resolve open issues. Acting as general contractor, payments were due in three installments. In each installment, I was told that payment would be sent and it was not in fact sent. Upon rejection for various reasons, I was never contacted proactively. This did not happen on one occasion but in all three. In this economy with a situation where I had to pay contractors in advance, being out over $7,000 at any given time is beyond frustrating.

My biggest complaint outside of slow payment is your repeated commitment to pay me and your inability to follow through on those actions. Your customer service representatives should never assure people that their payments will be processed if they have no way of knowing that. Thus I am still awaiting final payment to no avail. Moreover, if you cancel payments that have been promised, you should notify your customers. I had a final inspection on 5/20/10 and was told this would be faxed to your office on 5/21/10. I have spent hours dealing with this situation this week. Now it's Memorial Day Weekend, and there is no one to assist explaining why the last check that was promised was cancelled again.

In situations of property loss, Wells Fargo holds funds for an excessive period of time, resulting in mortgage loan customers having to fund work in advance and pay interest on the money if they have to borrow on credit cards. I can't say they are earning interest on customer money, but they may be. I think this is an issue that impacts thousands of people and is most damaging to people with lower incomes. I believe this is a valid class action claim.

Now that I was able to catch up on my mortgage by borrowing money from friends and family, I am current now. But now, I am being harassed by an outside Field Inspector hired by Wells Fargo to see if I am occupying the residence. Doesn't the fact that the mortgage is caught up that common sense would dictate to Wells Fargo that I am occupying the property. Can I sue them for harassment?

I am currently unemployed and registering for school and those funds are needed for rent and school fees. Now, I must figure out how to pay those, without my funds. It seems to me that since your company made the mistake and paid out the $1,658.42, that they should pay me back and then it would be up to you to recover the money. Or, that they let the funds be taken out twice. I was told this was not possible. I was told that it was my fault, since I initiated the initial reversal. I was given no explanation as to how it was my fault, when I was told that this would not happen and it would be carefully researched. I explained this to the agent and told the agent and was told that there was nothing they could do, except file a report.

This appalled me since the error was made by [their] company. I worked in the financial service industry and would never have told a customer that. I would have done everything in my power to return the money immediately. Instead, [their] team told me there was nothing they could do except file a report. I even asked to have the phone records pulled from the initial phone call, so that they could see that I was reassured this would not happen. I was told that was not possible. To me, it seems that [their] company should have done everything in their power at that moment to correct their mistake. That would have been my approach. After five years of loyal service to the institution, I am seriously considering terminating service with the company. The lack of understanding and willingness to help shocked me. As a customer faced with a situation like this, I expect the best customer service and was not offered this. I am now missing $1,658.42 of my own money and no one at [Wells Fargo] has given me any reassurance that this money will be returned to my account.

They advised me to call back at the end of May. I did. When I attempted to retrieve my forty plus thousand points that I have accumulated throughout my time period with Wachovia, I find out that Wells chopped my 40,000+ points to a measly 9,000 points. And not only that, now they want to smack a $12 annual fee for each card I have enrolled in the hence 'Rewards' program, that means $60 per year since I have 5 check cards! Are they kidding? Well, needless to say, I closed all accounts I had there & opened with a real bank that knows how to appreciate their customers, Bank of America. Please, help spread the word. Wells Fargo is the **.

I made a complaint to Wells Fargo President and his office was very mean. I told them that I was in the Floods in Nashville and my family was in the car and the Wells Fargo Repo Gangster or they were going to auction off my car in 7 days. Keep in mind I have 4 children that I take to school every day and that's they only dependable car I have. Tom ** office (Mika) called me back 3 days later and told me if I don’t pay the balance off in full they are going to auction off the car. It feels like these guys are gangsters and loan sharks trying to take advantage of people in flood conditions in Nashville. Wells Fargo is unprofessional and gangsters trying to steal cars back to auction them and make quick money.

I called Wells Fargo and they transferred me around a few times. They even tried to get me to open an account with them and the girl on the phone said she didn't know what Check Systems was. "But there is none of that red tape here, you could open an account with us no problem!" I was irritated to say the least. Anyway, I finally got to someone that seemed to know what Check Systems was and was nowhere near as friendly as the other girl had been. She confirmed that I did indeed pay the $175 in October of 2005 and that Check Systems was notified of this. She also noted that I had called them in 2007 and said the same thing to them and they told me it had been paid then as well.

After I told her over and over that Check Systems disagrees, she gave me a number to talk to a Check Systems representative. After awhile of playing around in the auto attendant, I actually got a live person! It sounded like a call center in India but I was amazed. Anyway, the guy tells me they show me as unpaid and that Wells Fargo never reported it as paid (no surprise really).

So I wanted to share my experience, maybe it will help someone. The Indian guy said to fax a letter to them saying it was paid along with any supporting documentation. He also asked me to include my SSN (which I don't like but I guess I have no choice). Seriously, after five years, you would think they could straighten this out. Check Systems or Wells Fargo has issues. It;s a huge problem and it doesn't seem like anyone is going to do anything about it unfortunately. I can't open a checking account anywhere. I would be forced to go to a check cashing place (and pay through the nose) to cash my paycheck if I didn't have another bank before Wells Fargo. I also would not have a debit card to pay my bills online. This would have seriously been a gigantic problem if I didn't have another bank before I got hosed by Wells Fargo and Check Systems.

They sent the repossession people out with papers stating I owed $1700+ which they refused to let me look at. They called the police because I would not leave my driveway until someone would let me run into my house to get my paperwork, and then a supervisor who thinks she is Dog the Bounty Hunter showed up and got in my face poking at my face and chest telling me that they were taking my truck, that they were not negotiating with me, and showed the police a paper. It was 10 pm at night. They sneaked in the drive and I only heard because my dog was barking. They told me I had 5 minutes to get "my ** out of my truck" when I told them that I had thousands of dollars in work items in there.

I called Wells Fargo the next day and they refused to listen to me or provide me again with a report on the late fees that they assessed (which I had been disputing and requesting info on since January when they were put on). I also had proof from my bank that I had made the payments for my truck and was told it did not matter, that they had my truck and if I wanted it back, then I had to pay $2300 in less than a week (the $2300 was for the supposed missing month, $500+ for lates that did not happen, and three months of payments in advance). I got the "too bad, so sad" deal. They did and do not care that I can show them and my bank can verify that payments were made accordingly. The so-called missing payment is the same month that Wachovia became Wells Fargo. All my payments were made electronically too.

I fell behind when both of us were out of work. Then I had emergency surgery. However, we were never more than 45 days out late (and that was not the norm, it was usually within 30 days that we made the payment).

The repossession people torn up part of my neighbor's lawn. The grass was wet and they drove their big truck over my drive leaving a big "divit" about 15' long.

The funny thing is that within my loan, I have the ability to ask for up to 3 "passes" on payments, and when I knew I was going to be late, I requested a pass so that I could lighten my burden one month, and was told that the pass is not meant for times of hardship, but when you just want to skip for the ** of it. What a joke. It is the same thing! So, if you have Wells Fargo (which I hope you do not), lie to them if you need to take a pass. Tell them you are going to use the money to go to Vegas or on a fabulous vacation. Idiots.

Also, they called me 10-15 times a day, every single day. I have records of this, as my phone time stamps every call that comes in since it is through my computer. When I told them to stop calling everyday repeatedly, they claimed that they were not, and I told them that I had documented proof, so the calls became less frequent.

I did not choose Wells Fargo, nor would I have, or would I ever recommend them. It appears that they buy out loans or companies and then go in and hurt the people that have the loans, in a way to get their money. They are not nor have ever been interested in helping a customer, and will repeatedly lie to the customer to get them to trip up and force them into hardship.

On May 8th, 2010, I received a phone call sometime in the afternoon, from a Wells Fargo representative who introduced herself in the call as Kimberly at Ext. 11422. The call was regarding my ILA and its delinquency in payments. I explained to her what happened with the prior payments attempted. She explained to me, after further reviewing my account, that if I made a payment of $100.00 via Money Gram, she could assist me by providing me the option of a loan deferment which would bring my loan back current. I made the payment which the company said that they could not verify at that specific time because it was still processing. Lo and behold, on May 17th, 2010, I received a letter from Wells Fargo saying that I was late on payments and that my car could possibly be up for repo. As you can imagine, I was livid about the situation.

I then proceeded to call Kimberly to receive an explanation of what had happened. I was told she could not come to the phone. When I explained to the representative that picked up my call what had happened, she said that although Kimberly was a supervisor, she did not have the authorization to approve a loan deferment and that they could not further assist me in that office. I strongly feel I was going off of false pretenses and that Kimberly's statement was just to receive a payment as soon as possible. What upsets me the most, is that I now know that she had no intentions of helping me with my issue and fully understand that any products of assistance or any offer of help offered by a company or a representative which represent the company, their word, should be honored.

Employers expect competent employees to resolve problems at the lowest appropriate levels. Being as though the problem that adversely affects the organization is not being resolved, and I cannot resolve it at my level, I am bringing this issue to the company's attention. I look forward to your reply and a resolution to my problem and will wait until the 48hrs response time before seeking help from the Better Business Bureau. Please contact me by phone at: **. Thank you for your cooperation in this matter.

I have excellent credit and try not to affect it with frivolous hits from businesses such as above. Both intake people were very promising and assured us that the distance between us was not an issue. Then after giving them the information to run my credit, we were connected to a loan officer by the name of Mitchell who very quickly informed us that there were two road blocks, one being the fact that we were in two different states and the other being the year of the car my son was wanting to purchase, which also was brought up in the previous conversation with Michael. And once again, we were assured that this would not be a problem.

I expressed my frustration to the loan officer that I was not happy that I was told by two other employees of their company that these problems would not be an issue and that my credit report was pulled for no apparent reason. Mitchell informed me that I could fly down to Texas to sign the papers. When I told him that this was ridiculous and that I could not just up and take off work to fly to Texas to sign papers and that I was assured by his coworkers that this could be done at a local facility.

Mitchell apologized and stated that he would follow up on why we were given this untrue information. I informed Mitchell that I would like a letter sent to me as to the outcome of his follow up of his coworkers misleading information. Mitchell quickly informed us that my son's application was denied due to these road blocks. At no time did I ever receive an amount that my son would qualify for after running my credit report, which again is excellent. I do not think that it is fair that you give them the authorization to pull your credit report, so that you can get an amount you qualify for and not receive this information. I would very much appreciate any assistance in at least getting the information as to the amount that my son would qualify for.

Upon looking at my transactions, the bank had went ahead and cleared the check for $100 that I wrote that was posted to my account for Monday and the payment to my credit card for $265 from my original balance of $391.25. Then they took all of the debit/credit transactions from the 8th and 9th and cleared them as though they were after those transactions posting them to my account for the 11th and 12th therefore showing that my account was overdrawn for each of those transactions and attaching a fee for $35 to each transaction from the weekend totaling $350 in overdraft fees. Upon contacting the bank two different times and speaking to two different supervisors, I was informed that there was nothing they could do except a onetime reimbursement for $125 for some of the fees. Now, I am aware that no matter how you look at it, I spent more money than was in my account but here are the 2 things that I feel I am wronged.

First off, if the bank had cleared the transactions by the true date that they were done on, I only would have accrued 2 of those overdraft fees for the check of $100 and the payment to my credit card (which was to Wells Fargo). Secondly, if my transactions from the weekend had showed at least as pending as they always have in my past experiences, I would have known my accurate account balance and never would have made a credit card payment of $265 but instead would have waited and only paid a partial amount.

I am a full time Nursing Student. My husband is in the Army and has been deployed 3 times. We are a very hard working couple. We have a 2 year old living with us and 2 other children whom we support from his first marriage. I go to school during the day and work nights in order to keep us afloat while I am in school to better our future. I am not asking for a freebie by any means, but this to me seems wrong in every way. I cannot see how the bank can pick and chose the transactions they want to clear first regardless of when they were charged in order to get more in overdraft fees. I just want the fee's that I felt were undo to me reversed and that means at least 8 of the 10 if not all. When I used my debit/credit card over the weekend the check or had the credit card payment been made therefore, my balance was well above what I spent. If you have any further questions needed for explanation please contact me.

Essentially, this means that although I made the transaction 7 days ago, it was not debited from my account because they claim that the business I made my purchase from did not send the bank the information. The incriminating thing is, I have contacted specific merchants that they claimed delayed the transaction from being processed, and the merchants told me they send the transaction to the bank instantaneously! In this day and age of computer/ electronic technology, it makes no sense that a simple debit card transaction should take multiple days for the bank to receive the information. Not to mention that this is a debit card, not a credit card. A Debit Card should deny the transaction if there are insufficient funds to cover the purchase and it should not act as a credit card, for the sole purpose of over drafting my account and charging fees upon fees.

Today, I am finally fed up because I called to increase my daily purchase limit on my debit card in order to make a large purchase and I was denied this request because they claimed I had too many overdrafts on my account. The reason I have these overdrafts is because of this mass extortion/ scam artistry I described above! This is being done by Wells Fargo to its faithful customers every day. I am sure I am not the only one who has suffered from this and I am now taking the steps to put an end to this once and for all. Also, the representative I spoke with, Holly ** at the Orange Country call center was particularly uncooperative and belittling on the phone and this added insult to injury. The economic and physical damages are as follows: hundreds (possibly, thousands) of dollars in unnecessary fees I paid to the bank as well as many, many hours of wasted time arguing with them to reverse the fees. Also, a huge amount physical/ emotional stress has occurred because of this and it has affected my overall health and well being.

My neighbors are not on my list of contacts. I don't even know their names or who they are. They let some total stranger basically into my personal business, letting them know that I'm having financial problems. They call almost 10-15 times everyday, 7 days a week, no matter what you tell them. I understand I owe them money, but when you tell them you are trying and you can't have the money in a week, why call back the very next day as early as 8 a.m.

The reps are very, very rude. They tell you to borrow the money from friends and your church. Maybe they do not know how it feels to be in a financial bind, but who are they to judge. I even had one ask me how after 3 years am I still having financial problems. Please tell me where can I draw the line to harassment and just calling to get your money from me.

I called my bank's web bill service and they told me that they mail the checks 3-5 days prior to their said pay date. But what we found out is there's apparently a single digit (last) discrepancy on the credit card account when I first put it in almost a year ago. All the checks mailed to WFB were cleared and none of them were returned to my bank. I would have never found out about the wrong account number if I didn't call the web bill service.

Meanwhile, WFB have been charging me late fees because it's taking them a while to match the wrong account number to my son's name. WFB never notified my son or my bank's web bill services dept about the wrong account number. When we called again explaining to them that this is what's been happening, that there's a problem with their system and I was questioning them about the wrong account number and the checks that have all been cleared, the customer service rep simply told me that it's not possible for them to cash a check if the account number is wrong and he just bluntly accused me that I was just not paying the credit card bill on time.

We went back and forth about this issue but the guy whose name is Princes Jade (I called on April 27th, between 3:30- 4 pm) is so ** and couldn't get what I was trying to explain to him. He just was so rude and won't listen to the other WFB bank rep and to me. I could easily correct the account number now that I know it's wrong but that's not my point. This is regarding my principles. Yes, I admit that I made an error in putting a wrong last digit number but I have been paying the bill on time and before the due date.

The problem is WFB card services is committing a fraud by cashing checks even though the account number is wrong and also by not notifying my son and my bank that there's something wrong with the account number and name on the card not completely the same. Even though it's just a one number difference, the fact is it's an incorrect account number. So they would rather collect late fee payment every month rather than correct an error. And by denying that it is also their fault and they wouldn't do something about it because they have never had an error in their system is absolutely making me furious and frustrated.

I contacted Miller one more time and found out that Wells Fargo had taken the vehicle. I immediately called them and they said that Miller told them the vehicle was "abandoned". Wells Fargo told me that Miller was going to charge me $10/day storage fees and I told Wells Fargo that I was still looking at my options for the jeep and I would pay the fees.

I will probably never do business with a bank again. Wells Fargo is in my opinion ripping their loyal customers off in this loophole we call the debit card a window of opportunity to rip off all their loyal customers. I cannot get a checking account due to check systems. Also, I don’t ever want one to get one nor can I ever trust in a big bank.

You all even go as far as still taking payments out my bank account even after I have changed the date, inconsiderate and insensitive is what I think of Wells Fargo! This letter has been longtime coming, should I add this is not the first time I've had to write to Wells Fargo? The first time was when my aunt was killed. I called during this hard time and informed them that I didn't want them to take out the payment because I needed the money to take my flight, do you know they still took the money out and left me with a overdraft fee and days of back and forth on the phone and runs to my bank while I was planning a trip and funeral?

I can't wait to pay off this vehicle so I don't have to deal with you guys anymore! I'm disgusted! Especially knowing the economy, financial situation, people losing their homes and the nerve and audacity of your company to act like that. I will forward my compliant once again to my State Attorney General's office! My question was as simple as "can I change the date of the payment I set up, play back the recording and hear the nastiness I encountered?". If someone can contact me, I'll appreciate it!

They turned me down the first time and told me to go speak with a banker at my Wells Fargo bank. She called them and they told her to have me reapply for more money than I ask for. I was turned down the second time and they told me to reapply for a different type of loan for more money. This time, I was turned down for to many inquires on my credit report and to many charges on my credit card. The Inquires were all Wells Fargo banks, Wells Fargo Mortgage, Wells Fargo Financial and Wells Fargo Credit Card companies. From this experience, I have learned Wells Fargo is not a link with Wells Fargo and I never talk to the same person twice. Then after all this, I find out Wells Fargo is in trouble. I can know longer get any kind of loan from any one. My credit is worse than ever and I am being sued by Wells Fargo card service. I am trying to get a loan modification on my home with Wells Fargo. Now the credit card is totally out of my range to ever catch up. This has been a long time but I would like to file a suit against Wells Fargo.

It was my understanding that I could not sell my home or refinance for either 5 years or until I pay back the loan. I told this to Ms. Diane, and I also expressed my concern about the situation. Ms. Diane then told me that it should not be a problem and that she would look into it. On March 12, an appraiser came to my house by the name of Melissa **. I paid $455.00 for the appraisal and the other upfront fees. I went back and forth with Ms. Diane to confirm that she had everything that she needed. I called her on March 31 to confirm our closing date, and she then informed me that there was a hold up with the underwriter. Once again, I expressed my concern regarding the government loan; and she once again assured me that would not be a problem!

I received a call on April 5 from Ms. Diane informing me that Wells Fargo would not be unable to refinance my home due to government loan in the amount of $2,500! Needless to say, this made me furious; so I spoke with Ms. Diane's supervisor, Marilyn. She told me that nothing could be done and I was out my $455.00. I was under the understanding that this is what E & O insurance is for!

I am extremely disappointed that I am not going to be able to refinance at this time; however, the fact that I lost $455.00 due to the fact Wells Fargo's associates don't know what they are talking about and don't do their job properly is absurd!

If you are having problems with a loan, get all of your money out of Wells Fargo because they will take money out of any account you are associated with. The money they took out of my checking was all the money I had, so I closed my account and got the heck out of there. I have tried to work out a situation with them, reselling my car. They said I could settle with them, had 2 buyers then and they said I could not settle with them so I lost the buyers. Then, they said I could settle with them so I've been trying to find another buyer for my car and now again, they said they will not settle with me.

I have called the corporate to maybe get some sort of sense with this. They just referred me to the auto finance corp, who are even more clueless. Get your money out of Wells Fargo. They say if you owe them money for any loan, they will go right into your account and steal it no matter how honest you are with them. Also, they told me they would not go into my checking account, but they did.

Unfortunately, I am writing this letter today to explain what an absolute nightmare Wells Fargo Financial was from the very beginning. I can safely say my experience with Wells Fargo Financial was by and far the worst experience I have ever had with any company or corporation. To start things off I never received my first statement. After allowing about a month and a half to go by, I finally called Wells Fargo Financial to inquire as to why I had not received a bill, and to figure out when I should be expecting one. They informed me that they had an issue with my address (didn't give specifics) and that they had not sent my bill, but they had added a $39.00 late fee to my account. They agreed to remove the late fee, and I paid $100.00 over the phone which got me caught up through February.

Two days later I received a letter in the mail stating that I had not paid my bill, it was postmarked before I had called to inquire about my statement, and was sent to the very same address that supposedly was wrong in the Wells Fargo Financial database. This did not settle well with me but I assumed it was a one time mistake and that things would be okay from then on. I could not have been more wrong. After the phone call I decided to set up my account online so that I could make payments at any time. I planned to make two payments of $100.00 every month. I was very disappointed with Wells Fargo Financial online payment setup. Unlike most credit card companies, there was no way for me to view my statement or even just the balance of my account.

Although I was not impressed with the lack of current internet technology on Wells Fargo's part, I decided to set up my account anyway because I pay all of my bills online as this is the most convenient way. I made my first online payment on February 21 for $100.00, this payment would have paid my account up through April. Three days after I made my first payment, I called the customer service number just to verify that my payment went through to the right account and that everything checked out. The customer service associate that I talked to pulled up my account and informed me that my online payment had gone through and everything on my account looked good.

I received my March statement shortly after this. It showed that I had made one payment over the phone for $100.00, had a late fee of $39.00 removed, and had made one online payment for $100.00. On March 12, I made an online payment of $100.00, and on March 28 I made another online payment of $100.00. On March 29 I received a text message asking me to call Wells Fargo Financial. I called as soon as I got the text which was on my half hour lunch break. The customer service associate that I spoke to told me that I had been late on my March payment. I got very upset and wanted to know how this was possible when I should have been paid through April and I had a statement to prove it.

The customer service associate informed me that my online payments had not gone through. I wanted to know how this was possible when I had confirmation numbers and a statement to prove that I had made an online payment. The customer service associate stated that my online billing information was incorrect. The bank account number that I had entered was the same account number that I use to pay my retail store credit cards, my Bank of America credit card, my gym membership, and my car insurance, all of which I pay online, and all of which I have never had any billing issues with. The way that Wells Fargo Financial has their online billing set up requires an extra 3 digits of which I was unaware were needed. I explained this to the customer service associate and asked her to remove the late fee.

The answer I expected to get and what I would have gotten from any other company who actually value their customers and put customers first was "No problem, I will remove that late fee, sorry for the mix up, let me get this taken care of for you.” Instead the customer service associate was very rude and stated that they had already removed one late fee, there was no way they were removing another one, and that it was my fault I should have known how to enter my account number online. At this point in time, my lunch break was almost over and I was so upset I decided I would just make a $200.00 payment and call back after work to talk to someone who would actually help me.

As soon as I got off of work I went home and got the statement that showed my online payment had gone through, I also had the confirmation numbers for all the payments I had made. I called and talked to another customer service associate who told me the exact same thing the first one, and was just as rude about it. I finally asked to speak to a supervisor, the customer service associate put me on hold and transferred me to an answering machine! I called back immediately and asked to speak to a supervisor, once one finally got on the phone I explained all of the issues I had been having and asked that the late fee be removed because due to the statement and the fact that I had received no information to the contrary, I was under the impression my account was current and my payments were going through.

The supervisor transferred me back to the customer service associate to pay my bill. At this point in time the customer service associate informed me that not only was there a $39.00 late fee but also two $39.00 returned payment fees totaling $117.00 in fees. I was outraged and asked to speak to the supervisor again (throughout this entire conversation both the customer service associate and supervisor were incredibly rude and even sarcastic).

When the supervisor got back on the phone I literally begged him in tears to remove the returned payment fees because I had no way of knowing my payments weren't going through. He acted like it was the hardest thing he had ever had to do in his life but finally agreed to remove only one of the three $39.00 fees. By this time I couldn't fight with anyone anymore so I paid the $78.00 in fees and my entire balance which came to $1098.41. Later that day I shared my experience with my mom who has been a loyal Wells Fargo customer for over four years. She was so upset by what had happen she insisted that she would call and get them to fix it because she was a faithful customer, and Wells Fargo would not want to lose her.

Contrary to what she expected she had almost the same experience that I did, although her customer service associate was more polite they still refused to do anything about the fees, and the supervisor my mom talked to was even less helpful than the customer service associate. My mom was so disappointed by the lack of customer service, she plans to switch banks and transfer her loans. Wells Fargo Financial is seriously flawed from the core up, it has no regard for its customers, and as a company it is more concerned about customers paying one time fees than about them staying customers for life.

I called Wells Fargo to tell them I would be late on my payments for about three months. I explained to them that I had extra doctor bills because of my husband's surgery, extra co-pays, extra physical therapies and extra gas to and from the hospital for all of his appointments. They would call me every three days just so I could explain the whole situation again. The person on the other end would always tell me they were documenting my account, but when I received the phone call every three days, the person would say they didn't know the information. I got tired of answering the phone and would only answer once a month. They started calling me at work and leaving messages. I called them and explained to them that I wasn't allowed to have personal phone calls at work. I explained to them I could lose my job over this. The WF person told me they called me at work because I didn't return their calls every three days.

I started calling them back, but even when I called them back, they still call my place of employment. Once, they even left a message on another co-worker's voicemail and she emailed me to tell me Mary from Wells Fargo had called and needs a call back immediately. Where is my right to privacy? After my husband's surgery, I was only able to make a few payments on time because my son was diagnosed with precancerous cells in his left shoulder muscle. The doctor's told me they were precancerous, but the cells were starting to form spindles and look like cancer cells. They wanted to take the cells out immediately. This was Feb 2009. I once again had to call WF and tell them I would be late on my payments.

Again, they were unfriendly and unhelpful. My patience has worn completely thin and I am tired of dealing with them. Is there any way to stop the harassing calls? Yes, I have been late on payments, but I have been responsible about getting them caught up and paying all of the late fees that went with them which were usually $140+ per payment. I too have fallen on hard times with the economy and having doctor bills that I had not anticipated. I have communicated with them when I was going to be late on a payment, why and when I would have it made up. I have asked for help from their company and only get harassing phone calls and representatives who belittle me and tell me I'm always late. I don't choose to be late and the first two years weren't my fault when they couldn't get my due date correct. Is there any way to stop the harassing phone calls? Please help!

With all the recent changes to the credit card industry, the bank is losing billions of dollars in revenue, and now has to make up for it elsewhere. To do so, bank employees must now sell "fee based products" to the customers, to create revenue. In my last meeting, a higher up stated that it's all about the revenue now. That's sickening. What happened to good old customer service?

In the 3 years I worked with the bank, I have never had any accounts with them, and have very happily remained with another major competitor, without any issues at all. I can honestly say, take your business elsewhere! I have seen several customers, with over a million dollars in the bank, pull everything and leave, due to this. It's wrong. Go to your local credit union instead.

He explained that I needed to sign the letter and put the account and contact info and fax it to a number that he provided. He said that my minimum payment would be changed back to the original amount and someone would contact me within a day of receiving the fax. I faxed the letter on 3/22 and received the fax confirmation that it went through. It's now 3/29 and they haven't contacted me. I checked the amount due on my account and it still says $274.50. I'm in a position where I know I can't pay it in full since they made these changes and I will start receiving late charges. This is single handed going to force me to file for bankruptcy. What are my options?

The first thing that happened was with Capital One Finance, I had 10 days grace period on my due date, I was quickly informed with Wells Fargo Auto Finance that there was no grace period. I had lost my job and wanted to change my monthly due date on the loan as I had started to work with another company. They granted the new due date on the loan. While with this employer, I was getting 3 messages a day where Wells Fargo Auto Finance was calling my employer and leaving messages.

I changed employers and I asked Wells Fargo Auto Finance if I could change my due date again, as I had changed employers and my pay was different. Wells Fargo Auto Finance told me "No" that their corporate policy stated, they could only change the monthly due date once in the length of a loan. The due date was say the 19th of every month. Since I couldn't get my due date changed, I went 3.5 years of paying on the 1st of the following month, making my payment late by 12 days or so every month. At this point, Wells Fargo Auto Finance only had my cell phone, which was used for business and they would wear my number out at least 3-6 times a day. I had informed Wells Fargo Auto Finance that this phone was a business phone and it didn't seem to matter.

Somewhere between 6-8 months from paying my truck off, I was using Wells Fargo online bill pay to make the payments. I got a message that the only way I could use their website for payment was if I had a checking or savings account with Wells Fargo. So, I had to use my bank to make my online payments to Wells Fargo Auto Finance which backed up the payment from the 1st of every month to around the 4th of every month.

In the length of the loan, I had 5 deferred payments. I was never told that these payments would be a balloon payment at the end of the loan. I assumed that the deferred payments would just be attached on a monthly basis at the end of the loan. I was wrong about this also.

The maturity date on this loan was Oct. 19, 2009. I had been making my monthly payments on the same date for months. Of course late fees and all of that was attached as normal even though I tried to change my monthly due date. But Oct. 19, 2009 went by and I continued to make my payments at the same time every month. I made my payment just like normal Jan 4, 2010 and on Jan. 7, 2010 I get this nasty letter that my truck may be repossessed that I needed to call a certain telephone number.

The same day I got the letter, I placed a call. What I thought was a nice gentleman answered my call and told me that he was getting a lot of calls along the same line as my call towards Wells Fargo Auto Finance's practices. I told him about the harassing phone calls, using my work cell phone to try to harass me, not being able to change my monthly due date, and now the deferred payments was a balloon payment. He told me that after reviewing my account that I made my payments the same time every month for 3.5 years and as long as I continued my payments like normal, I shouldn't have anything to worry about because at this time, I only owed around $1500 dollars and he could not see any benefit in repossessing my truck at this point. 6 days later, Wells Fargo Auto Finance repossessed my truck from my driveway around 5:00 am.

I called Wells Fargo Auto Finance after I got off work the same day the truck was repossessed. The next day I had to go to Walmart and send a money gram for $1770 dollars plus another $9.50 for the money gram to get a release of my truck. After they got the receipt number from the money gram, they called the recovery company to let them know to release the truck. All the time that this is occurring, I am having to take off from work. Later that afternoon, I had to rush to the recovery place of business because they were only open until around 3:00 in the afternoon and you had to make an appointment with them in order to get your vehicle back or else they charged you another $25.00 per day storage.

My saga doesn't end here. After a few weeks went by, Wells Fargo Auto Finance sent me a letter stating that I would have to go to where I renew my license plates and give them their letter to get the title to my truck. They printed a copy of it for an additional $11.00. After I paid this, a week or two later my original title was delivered in my mailbox. I am finally done with this lender.

They charged me 5 overdrafts when they could have charged two. I spoke to a representative stating that I would accept two overdrafts and would like to be credited for the other three. I believe the policy that the bank has established is used to exploit the consumer and feel there should be legislation that would regulate this unfair policy.

I was charged five overdraft fee's in total of $175.00 when in fact I had enough money to cover three of the debited amounts and should have been charged two overdraft fee's in the amount of $70.00. By following their set policy, they have generated an extra $105.00. I believe this practice of exploitation in unfair and unjust. I believe law makers should pass legislation to protect the consumer from this policy the bank has established.

Since that time, they have called continuously asking for my daughter. I have told them over and over again that my daughter does not live with me and to stop calling me. Late February 2010, a man from Wells Fargo Financial called and I told him once again my daughter does not live with me and if they didn't stop calling me, I would report them to the Nevada Attorney General. The man then said, very nasty, "So what?" So I hung up and he immediately called back and sarcastically said, "Now what?" I hung up again and he immediately called back but I didn't answer and he didn't leave a message.

A week late,r a lady called and I told her that even if I knew of a different way to reach my daughter, I wouldn't help Wells Fargo Financial. I told her the last man who called was beyond rude and who in their right mind would help such a lousy company? I then asked this lady if I owed Wells Fargo Financial since they've called me constantly. She said that I didn't owe them a thing but they had went to my daughter's home and it didn't look like anyone was home. No one answered the door and they were concerned for her. I told her that she didn't give a rat's **** about my daughter's welfare. Her only concern was getting her money and I couldn't help her.

Saturday, March 13, 2010, around 7pm a young man knocked on my door. When I opened the door, he asked for my daughter. I noticed that he had a tow truck so I asked him if Wells Fargo Financial sent him out. He said yes and once again, I told him that my daughter does not live with me. I offered to open my garage to show him that the only vehicle was my Volvo. I had no other car in my garage. The young man told me that after he sent Wells Fargo Financial an e-mail explaining that there was no car to recover, they would wait two weeks and then send another repo man to my door.

I've had enough! I don't owe Wells Fargo Financial a dime and I'm not responsible for my daughter's debt so why are they constantly harassing me? And if they have the resources to locate me, then they should also have the resources to know that she pays her utilities in Los Angeles as well as her mortgage. They know that she does not live with me, yet they have been harassing me since January. We've had a lot of home invasions in Las Vegas recently and I'm a 75-year old retired woman who does not need strange men knocking on my door at night. How can they legally do this to me when I don't owe them a dime?

That was the only decent and human acting human being I encountered throughout this ordeal. But, then after three months. 3 months after my son and I purchased the automobile, one by one things started to flicker, cracked, squeak. And when I drove all the way from Marietta, Georgia to Gwinnett Place Ford with the car sputtering and rattling the door locks, clicking like someone pushing them off and on. When I got there, not only did I have to wait a couple of hours, but when they finally called my name, low and behold, the extended warranty they convinced me was so good until it even covered the tires on the car! But, surprise,just not every single thing that was wrong with the car!

When the car finally stopped in the middle of traffic in the fast lane out in Clayton county having to call my insurance company and having it towed to the closes repair shop, they approved of down there. Several mechanics and the manager told me,"That was and is common knowledge that parts that went out on that 2002 Mercury Mountaineer blows out on its owner, if the owners that are avid about the maintenance on their automobiles, the mechanic then said "I know the some of the people at that dealership, Let me call to see if they will simply replace the parts since they know that there had not be a formal re-call but, it is common knowledge in the industry that these parts blow out.

Of course, Wells Fargo,and Gwinette Place Ford refused. The long and the short of this story is, the car sat out there for a year and a half and my son and I kept struggling to make the payments. Because my son had been laid-off, I repeatedly sent emails to Ford and to Better Business, while at the same time calling pleading to talk to supervisors, asking them if they would help me get the car repaired? I told that JD Byrider had sold my daughter a lemon, but when her transmission went out, they replaced it and tapped it to the end of her loan. They said, "We can't get paid if the driver can't get to work." When I would ask Wells Fargo if they would do the same for my son and I?

You could have almost see them laughing at me through the phone. After a time, the Clayton Co repair shop insisted that I'd either give them permission the fix my car. Or come take it off their property! We, my son and I had to come up with money we did not have to have the car towed here to Marietta, Georgia, where it sat for nearly another year! By the time my son had found other employment, Wells Fargo was calling 10 or more times, demanding payments on a car that they knew full well had been broken down for longer than actually had the chance to drive the car!

I then turned to some churches here in Cobb that were offering free or near free auto repairs to their residence, but we had to come up with the money to buy the parts. but when the church realized how intricate the repairs needed to be, they receded their offer. That is when my son, myself and my four other children just threw up our hands and told them that we can't do any better than what were doing.

So, about three o clock in the morning one day, a repo man came and pounded on our door. We live in a bad neighborhood and refused to open the door because he refused to tell us exactly who he was for a while. When I said loudly, call the police! He then said, I'm here for our automobile, turn it over to me now or I'll have you arrested for hiding the vehicle! I told him that I most certainly was not hiding the vehicle, that I had told Wells Fargo's auto several times exactly where the car was. He then answered snidely, we'll how about you telling me exactly where the automobile is ma'am?

He left, left an official form on my door that said,"If they had not received the property within 24 hours, a bunch of stuff was going to happen to me and my son! Now, my car has been gone for several months now, but what has gotten me steamed under my blouse is that a friend of mine, who is a Wells Fargo customer, had her car taken out the front of her house a few months ago for missing one, maybe two payment after an injury at work. The problem was that she had paid off the car sometimes, that earlier, but the payment had not posted.

Delisa told me that she recently received a letter from Wells Fargo for being a loyal customer and went on to say, that she was valued and when she is in the market for another vehicle, please contact them. They then added that she would be receiving the Title and other paperwork, that would say she is the rightful owner of both the Title and automobile. What? They sent here a letter some time ago, informing her that her car had been sold at auction. Now, please tell me that Wells Fargo owes Delisa a new or comparable automobile for the full amount she had paid them in taxes, interest fees and late charges?

I could have borrowed the $186 to prevent this from happening. My agent once again conveniently missed this vital piece of info and is now unwilling to fix the transaction. Her supervisor said it was overlooked by mistake and was unwilling to correct the issue. I am tired of getting bad information from Wells Fargo Bank. They are highly incompetent when it comes to knowing their job and communicating with customers. As a result they took money out that I don't have, that will now cause me to bounce checks that I have written and incur additional fees. They are unwilling to waive those fees as a result of their incompetence.

A few months later, I stopped making payments, because I was unable to. They started calling about twelve times a day. They even offered to lower my interest rate. Why do I have to be delinquent first, for them to work with me? This month, our financial situation improved, and we are now able to start making payments again. I called Wells Fargo to try to work out a payment plan. The first man I spoke with offered $250 a month. I had to discuss it with my husband, so I agreed to call back. I called back in an hour, after discussing with my husband. The second man I spoke to said that what the prior man offered was not an option, and they wanted a lump sum.

They wanted me to borrow money from my family, which was impossible, as half of my family members were laid off. The gentleman on the phone repeatedly belittled me, telling me that I was irresponsible, and everything is my fault. I felt bad enough getting into debt, I didn't need some guy that didn't know anything about me, putting me down. He refused to work out anything with me that was reasonable, and then he hung up on me! I have other credit cards, and they have all worked with me. Why is Wells Fargo so different? I want to pay off my debt. At this point, I am not sure what to do. Do I get an attorney, which cost more money?

Because of this mistake, I was unable to make it to my conference. I am a US army soldier and my job cares nothing about your mistake. All they care is that I didn't make it to my place of duty. I am currently -$705. I'm in the military so therefore, they took a month's worth of pay from me because of me not being at my duty assignment. I want my money back.

Then this last week, March 4 and 5, my paycheck was direct deposited into my account. The first one was for $877.32 and it was there showing on my online statement, not pending but in the account. On Friday I checked my balance it said -$94.37, the deposit had disappeared, but my second deposit of $614.13 was there, so I called them on it and they informed me that maybe my employer had pulled my deposit back out.

I called my employer and no they had not withdrawn the money back out, so the state treasurer called to find out what was going on and when the second deposit would be credited to my account. They could not or would not elaborate on the first deposit and told the treasurer that the second deposit would definitely be available in my account by 5pm on Friday the 5th.

On Saturday morning, I got online to check my balance and saw that the second deposit is now gone, but the first deposit was showing, but I only have an available balance of $168.47. Today is Monday, March 8, I drove the 35 miles to the bank since my card will not work with the intentions of pulling my available money out of the account, finding out where the second deposit went and to close the account. I was told there is a hard hold on my account and they aren't giving me any of my money, the account will be closed by them and within 7-14 business days they will mail me a check.

The account was overdrawn because of their inadequacies and I am paying for it. I would suggest not using Wells Fargo for anything financial whether it would be a bank account or mortgage, etc. If you must keep a close eye on your account because they will take as much as they can get their greedy little hands on.

When I called the bank, they mentioned opening account is not required for safe deposit box. They made a good profit, $60 annual fee plus $40 fee on $400 deposit. $40 fee for no service.

This allows them to charge me 8 overdraft fees of $35 each (one would still be unreasonable since they clearly orchestrated this to overdraw me in the first place, but 8?!) for a grand total of $280 dollars in fees for something that should not have occurred per their own policy. As I see it, if the rent check posted the same day and was deposited at another bank a full 1/2 hour later than my paycheck, then my paycheck should also be posted to my account the same day. That is reasonable.

Their phone representative "supervisor" said the fees "were warranted" as he read from a script in his barely understandable broken English with a thick Indian accent. He said he'd give me 3 of the fees back ($105 of the $280) as a "customer service gesture". How big of him, considering it's like stealing someone's wallet and when they catch you, only offering to return part of what's in it and think that's acceptable. I even offered to let them keep $35 for the rent check that put my account negative even if it wasn't warranted because obviously, Wells Fargo needs to steal more of your money than they have already gotten from their confidence men at the US Treasury and Federal Reserve.

This is simply not good enough. I want the other 5 fees reversed and the rest of my money ($175) returned as well immediately, so I and my family can eat until the 14th.

Our contractor was not present at the inspection and didn't sign the inspection report. The draw request was for approx. $51,000. Less 10%, that would have made a fund disbursement of approx. $45,900.00. On January 8, 2010, Wells Fargo deposited $13,050.00 into our account claiming that there was no proof that the remaining work had been completed. We then took additional pictures of the completed work and were once again refused draw funds because supposedly the work had not been completed.

Finally, after writing a rather "abrupt" letter to the draw department, we were given an additional $16,200.00 for a total of $29,250.00 of the expected $45,900.00. Since that time, our contractor requested funds for draw #4 which was inspected and paid by Wells Fargo on 1/28/2010. At this writing (March 2, 2010), we have still not received the remaining approx. $26,650.00 requested from draw #3. I (again) contacted the draw specialist on February 22, 2010 regarding this issue and was once again denied the funds because of non-completion.

We have been paying principal and interest on the entire loan amount ($392,000. ) since before our project began and feel we should not have to pay interest on $25,000.00 in credit card debt (the only way we could get money to complete our project) just because Wells Fargo refuses to advance money for our draw. The work is completed and none will believe it, even with pictures and documentation verifying the fact.

I called the customer service back to see if I could get the fees waived, as I clearly made a simple typographical error that anyone could have made. The customer service people were discourteous, uncouth, apathetic, and put me on hold for extremely long amounts of time. The higher up the chain of supervisors I got, the more brusque and surly their employees became. I finally was able to receive a cut of 60% of the total interest, plus the $54, plus other extraneous fees, I am sure, for a grand total of $296, all for a $54 error.

They are stalking inside a house via people they could meet to investigate etc. to sell debt, stalking at my door to investigate - the largest issues are that most came across angry with intent to harm only under the guise of some sort of strange help. All communication was relatively dismal or alarming considering the people seemed to probe about the person with intent to deliver what they did not want and did not need through creating issues for them to field personally, professionally etc. with threats for non-participation and/or insult and attempts to prove themselves right when they did even in smiling and saying hello or not returning a phone call immediately.

They were saying that the account of my daughter's account and my old checking account had a fraud problem. How would they know that there's a fraud going on while I never complained about the fraud and I never reported it to them about the fraud? There was nothing wrong with my old account. Nothing was stolen. There was no fraud going on. I told Wells Fargo that my old account was good. I did not complain about fraud because there was no fraud. Wells Fargo is just overreacted and over exaggerated about my account.

They had failed to fix the problem. Wells Fargo wanted me to fix the problem on my own while it's not even my job to fix the problem. I had answered all the security questions correctly but they still did not fix the online banking. Wells Fargo loves to give a customer a hard time. In my opinion, Wells Fargo hates business. They are not helping customers like me. I told the Fraud Department of Wells Fargo that if they don't fix the problem, I shall close all of my accounts that they don't deserve.

I shall not let Wells Fargo use my money for their stupidity. I shall never recommend Wells Fargo bank to all of my friends who do not have Wells Fargo account. God knows that Wells Fargo bank is not a good bank. Only stupid people who trust Wells Fargo. I will go the nearest Wells Fargo tomorrow on 02-24-10 to close all of my Wells Fargo account.

I think it is odd that the one bill that was late was the one that puts me at risk of losing my 0% financing. What I think is even more odd is that it is only 24 hours late. Is this some sort of scam from the credit card companies to not honor their 0% financing for 5 years? I have been responsible with my payments and was never late. To be charged a late fee, lose my 0% financing, and ultimately have this affect my credit report is an outrage.

It just doesn't seem fair. We were under the impression that these banks were supposed to be helping small businesses get back on their feet. The line of credit that was turned down by Wells Fargo was to help deserving and economically disadvantaged adults and children in Texas avoid being unjustly denied the Social Security disability benefits they need and deserve. The Summit Organization, Inc. has helped over 250 economically disadvantaged adults and children in Texas avoid being unjustly denied Social Security disability benefits since 2001.

On 02/18/08, we financed our home with Wells Fargo Financial to pay off debt that we inquired during the rebuilding process of our home. The home was previously free & clear. We dealt with Trish. She contacted us cold call, and was promised a fixed rate loan, no problem, get to closing and it turned out to be an ARM at12% interest with 3 year adjustment. My wife had a few small things on her credit that was paid off with loan proceeds, so according to Trish we can refinance at a good rate in 1 year. Great! Now we have good credit, no late payments on anything and I mean everything.

We also extra used the funds to put in a new septic system & other improvements so we can get ready to refinance at 95% of value next year as Wells Fargo will do that, but for them to get around that, they have their own appraiser (RELS) and he will low ball the appraisal by $20,000. We had the house appraised for $90,000 a few months earlier by another appraiser, (but that deal did not go through due to the old septic and water system), and Wells Fargo says it is only worth $70,000 and that was after many expensive updates and a complaint about the appraisal to Wells Fargo. She said that it is final and we will have to use this appraisal.

Now comes April 14, 2009 and we were contacted by David **, one of the managers at the Grand Rapids, Mi. branch and said we are ready to roll this loan into a 4.5% 30 year fixed mortgage, $7500, in closing costs, very high but he said they were negotiable, Great! So we sent all the paperwork in, in April which was all there. I keep good records and know where things are and David also said the sooner we get our paperwork in, the sooner we close this loan. So I did just that, then 05/28/09 comes along and we finally got the Truth in lending Disclosure, Great! Every thing looks good, the terms and everything were good for us.

Now that the home still needed a little work to be perfect, I finished some small projects and still needed to complete the garage, siding, electrical, and wood floors though out the home, so I contacted David ** and he said the loan is all approved and just waiting on the appraiser. So I waited for a few weeks and asked David ** again what was going on. Again, he said the loan has been approved and was still waiting on the appraiser, a busy guy, so I asked if I could get my own appraiser and he said no to that. David ** told me to borrow money to "finish your home" before the appraiser gets there to get the best appraisal.

Okay, I borrowed about $5000 to finish the home and everything was good to go now, just waiting on the appraiser. Now I also asked David if we should get another company to refinance since they were backed up getting a appraiser here and he said just be patient, the loan is all approved and the appraiser will be there. Well, this went on all summer, "Loan is approved, just waiting for the appraiser". If I would have known this guy was lying to me, I would have found another finance company, but I would have 2% prepayment penalty on the loan, so I would just stick to the plan.

Now here comes 08/31/09 a refusal letter stating that we had insufficient income, which we did not a year before and excessive obligations. Yes, that is true but since we borrowed money to fix up the home, thanks to David **, I would think that would be expected, since I was going to pay off all debt with loan proceeds and we are on a good path to great credit. I have been borrowing money to pay some bills till this loan went through. Well, since the loan did not go through, I cannot pay my unsecured debt. Now I am in big trouble. It is my fault for believing these lies from David ** and Wells Fargo. I should have seen it coming.

Now comes the Home Affordable Modification Loan since our income has dropped due to my tenants not paying and the overwhelming unsecured debt (my wife is a Veteran and we are both on Social Security fixed income due to disabilities), that was 09/11/09. We sent all required info for the Home Affordable Modification to Kerrie ** and on 11/04/09, Kerrie ** needed more info. We sent that out promptly and about a week later Kerrie called me and said we do not qualify for the Home Affordable Program; we made too much money and the payment would go up instead of down. I then asked her if there was another way of getting this home in a good loan, and she said it was in a good loan and 12% ARM is a very good rate? What? And she kept insisting that she was trying her best to help me. Well, that conversation did not end well.

Now, check out these 3 situations. On 02/18/08 We had good credit except wife's, it was not too bad. We get 12% ARM 40 year $675 a month. At the time, we were told we could refinance next year when these marks are off her credit. Now on April 14, 2009, we apply for a good loan. All credit issues were cleared up, April 2009 4.5% 30 year fixed $399.51 a month, down from $675.00 mo. It was perfect! Come 08/31/09, we got refused for this loan, findings- were that we could not afford this loan(?) and too many accounts. What? After 4 months of waiting! Now we apply for the Home Affordable Modification 11-09, and got refused because we make too much money and the payments would go up instead of down. Well, that is my nightmare with Wells Fargo Bank.

So to make long story short, we qualified for $675.+ per month twice, but did not receive enough income for the good loan at $399. Who taught them to add & subtract? The consequences was that I was holding by a shoe string waiting for this loan that I was approved for. Now I cannot pay my unsecured debt that I borrowed for for major home improvements and was going to pay with the extra loan proceeds. Please help!

After a week of not hearing back from my insurance company regarding my reimbursement, I took the initiative to contact them myself. To my surprise, the only hold up is Wells Fargo Auto Finance, as the insurance company needs a Letter of Guarantee from them first. I took the liberty to call Customer Service myself (800-559-3557) and find out what the hold up was. After being transferred to numerous other departments, I finally got hold of their Total Loss Department (866-829-3395). I spoke with a somewhat helpful representative who acknowledged that they received the request for my insurance company numerous times, and she also took the time to explain to me that she had no issues sending the letter to my insurance company, but they can't guarantee what they don't have, which to my surprise, is the title to my car! She then referred me back over to Customer Service and told me what to say so I don't get connected back to Total Loss again.

I called Customer Service, who referred me back to the branch that I got the loan from (Decatur/Rochelle). I called that branch (871-8687), and to my surprise yet again, they are saying that they no longer handle any car loans whatsoever and that I should contact another branch (Stephanie/215). So I called that branch (558-7900), who then referred me back to Customer Service!

At this point, I thought I was really close in losing my cool, but I was good. I called Customer Service again and on 01/28/2010, a request was sent out to perfect the title of my car. The girl I spoke with was kind, and told me it may take 3-5 business days. I didn't like waiting, but what other choice do I have? So I waited. I called Customer Service on 02/02/2010, and this particular representative corrected the other rep and said that no, it would not take 3-5 business days, but rather 10 business days!

I did the only thing I knew, which was to send something to Wells Fargo Corporate (Mailing address: Customer Service F4008 080 800 Walnut Des Moines, IA 50309 USA, fax number: 800-926-1072, also provided by Customer Service). That was sent on 02/03/2010. I gave them until Tuesday, 02/09/2010 to reply to me with a legitimate update and what needs to be done to get this thing over with. Did I get a reply back? No!

So I called them (again at Customer Service) yesterday, who states that the request has been referred back to the branch that did my paperwork which was confusing because I thought they said they don't do loans anymore? I called the branch again today, and this time another rep gave me a different branch to call (Tropican/Hualapai). I called that branch (873-6892), and guess what?! They don't do title perfections! And guess who they referred me back to again? That is right, Customer Service!

3) I won't recommend anyone to do any business with Wells Fargo! Not even my worst enemies!

I have already lodged a complaint against Wells Fargo to the BBB and FDIC. I may involve my lawyer in this, if that is what it will take for them to move their back sides. It should not take this long to perfect some paperwork. Seriously, and I have lost all patience with Wells Fargo.

The private company picked up the vehicle. But instead of putting it on a tow truck, they brought an extra driver to take it. Within a week, we were contacted by our insurance company, Progressive, to be questioned on the damage done to our vehicle the day it was taken from us. Wells Fargo themselves had filed a claim on our insurance for damage that had been done while transporting our vehicle for repossession! They expected our insurance to cover it and we were supposed to pay the deductible. Talk about adding more injury. Having those pictures we took saved us. We emailed them to the insurance company and they denied the claim.

Now that the vehicle has been sold, we owe the deficiency balance. Wells Fargo has been sending us hints that they would like to have the balance paid off in full with perhaps our tax return. But at the beginning, they were willing to settle at 75% of the balance and now they want 90%. This is far beyond our reach. I realize that we owe the balance but we are a family of 5 trying to fit inside a truck. My baby isn't even able to sit in a proper car seat and my other two children are not able to buckle up properly either. Obviously, we need a family vehicle and if Wells Fargo thinks they are getting our tax return, they can go think again!

I called and spoke to a lady and she said that there was some sort of error and to make the usual payment. I did not think anything about it until Feb comes and Wells Fargo Calls us and says our last payment is overdue. The pay off on the vehicle is only $205 our final payment. I explained to them that my final payment is not due until March 4. They said, "No, it is overdue and you are considered late." I explained about talking to the lady the prior month and they did not care. I asked for the manager and a guy named Randy came on and said I was refusing to pay and it will go against my credit. He than hung up on me.

I called again and spoke to a Millie who again said it would go against my credit report. I couldn't believe that they did this on the final payment. We were perfect for 72 payments over $37,000 and they were reporting us late on the last $200. They said this was interest on the payment that was deferred and should have been paid last month. Finally, I just made a electronic payment today to pay this off for $200. We were treated like deadbeats. We have had several loans including mortgages through Wells Fargo and will never do business with them again. I intend to tell everyone I can about this treatment and to make sure no one I know and everyone that will listen doesn't do business with Wells Fargo. They have gotten too big to care.

I explained I have car insurance and has had it since 06/19/09. The rep then stated that if I pay the owed amount for the insurance, it would be credited to my account. I said why would I pay for something that is not my fault, I always had car insurance. She said, “Well, if even you had it, we thought you did not and you will need to pay the insurance that we took out on the vehicle. We can also repossess your vehicle.”

Now one week later on 2/4/10, they have taken $300 out again! The employees, even the manager Jim, were so awful to me when I called and even said the letter I got in the mail means nothing and they don't have to abide by it! Jim threatened to sell my account to a collection agency if I didn't give them $300.00 now. I told him I am living on disability and this would overdraw my account. He said he didn't care. I told him the agreement was not to begin until March 25, and he said it didn't matter. He called me a liar and insinuated I was taking $300 from Wells Fargo! I have a signed and dated agreement from them and they refuse to abide by it. Unbelievable. Please help. How can they get away with this?

I have two brain stem tumors, Cushing’s disease and fibromyalgia. I have been physically sick from the added stress and headaches this event has triggered. I can't sleep and hurt all over, which happens with my condition when I get really stressed out. I have two brain stem tumors. I am not well and have to use the little bit of energy I have to deal with Wells Fargo, and get off the phone with them just shaking and crying. Please help. It is so wrong how they are treating me when they have messed up, not me!

Every month, $75 goes towards interest and only $40 to the bill. This is ridiculous! The reason they always give me for not lowering the interest is that I have poor credit so they can't and won't help me. I always try to explain to them that my credit score should not have anything to do with our relationship! I have direct draft and in the past four years of having this account they have never had to chase me down for a payment. This should account for something.

How can I ever pay this off with an interest rate as high as 20%? But I guess that is exactly what Wells Fargo wants. They want me to never pay it off. If I could pay more every month, I would, but I just can't at the present time. They have made so much money from me from the past four years you would think they would want to help out one of their good customers. But not Wells Fargo. They are just straight up selfish and greedy!

So I finally filed a complaint with the BBB and got this response again that they couldn't help me at the present time because of the reasons mentioned before. And now to add on top of this, my monthly payment just went up because Wells Fargo decided that all of us need to help with their bailout by raising all of their customers' interest rate by 3%. Where does this stop? This bank is getting way out of control. And what is really the worst part about this whole thing is that when they messed up, they got a big government bailout but when their customers need help they just kick us in the back side continuously.

I really need some help with these people and I know I am not the only person. And if I cancel my card, then if they ever do decide to help me, they won't on a cancelled card. Please someone help me with this terrible bank!

I immediately called the bank, when I saw that fraudulent activity was taking place. I was told over the phone in the ATM fraud department that my claims would be handled, and that everything would be fine. As it turns out, everything is not fine. The people using my card were depositing fraudulent checks, made out in my name (not my own checks), into the ATM, in order to get as much cash as possible. Because the checks were probably stolen as well, they bounced and were returned.

Apparently, because I had returned checks, they put a hold on all my accounts, right before my student loan was going to be direct deposited. Even though there was a hold on my account, they somehow let my money be deposited into my account in the amount of $6,700.00. After they had my money, they then would not let me touch any of it. I was not okay with this, because being a student, it is all the money I have to live on. I called everyday for a week, and their customer service department was one of the worst I've ever dealt with in my life. I was hung up on one day, by an extremely rude customer service rep, and often times, I was just transferred back and forth between the customer service department, and the loss prevention department, every time telling me the other department handled my issues.

After a week of having no money to pay for anything, and having to borrow money from other students just so I could buy some food and other essentials for living, they "graciously" granted me the ability to withdraw $2,000 dollars of my own money. They are holding my money hostage, while they "investigate", but when I called in today to give them information on a suspect who did the fraud, I was told that they don't pursue any suspects.

So then I was asking what they are investigating, and multiple representatives told me that they had no claims showing for my accounts, just that there was a hold due to returned checks. I then was able to speak with a woman named Ethel (ID number 8952) in their executive office, and after being on hold for about ten to 15 minutes, she came on the phone and told me that the bank no longer wants or needs me as a customer. I can only tell you that I have never been so angry with a company in my entire life. They are treating me like I'm a criminal, when I was just a victim of fraud. You expect your bank to give you the benefit of the doubt, not hold your money hostage for over a month! I've never filed a complaint with a company in my life. I'm doing this because I can say that I do not feel safe banking with Wells Fargo. I feel like I'm getting scammed by one of the major banks in the US. Their customer service people are rude, and incompetent, and unable to answer any questions and concerns I had.

I have been so concerned because they are telling me that once they close my account, which they aren't sure how long it will take, then they are going to take the rest of my funds out of my account, and send me a cashiers check in the mail, which could take up to 10 business days to receive. I saw this forum online after typing Wells Fargo complaints into Google, and I couldn't believe how many other people had stories, which seemed much worse than mine even. This whole process has made me question where this nation is heading, if major banks, dealing with millions of dollars, have such incompetent people working for them.

I have spoken with many other people who have Wells Fargo, and they just say "doesn't surprise me". I just want to know how this bank is able to get away with treating people the way they do. They tell me everything they are doing is legal, which it probably is somehow, but if anything, hopefully this can be posted, and others can see the dangers of banking with Wells Fargo.

I have been without access to my student loans for about 10 days now, and I filed my claim about 16 days ago. They have given me dates, weeks into February, until my claim is "resolved", and only then will they give me access to my money.

So in other words, I got penalized because I paid them early than agreed. I guess if I was a local bum and just making my minimum payments, then they would lend me more. This man was very rude (I have to admit I was rude to) but I am not going to take there garbage either. I would advise anyone who applies for something do not go through Wells Fargo. I would suggest Citi Financial. I asked for the manager to contact me and I got the answer, “Oh, there is no one for you to speak to.” Go figure, the first person you speak to, they are always the highest up and won’t pass you on to someone else. They really are idiots and from what I have read a lot of people are thinking the same thing. So people if you need cash, do not go there!

The first issue was a bad real estate appraisal. Even though the appraiser made numerous mistakes, Wells will only accept the single appraisal with significant errors. The appraiser states the lot size is only 8,000 square feet when the lot is 32,000 square feet. The appraiser says the house is just an okay tract home (really a custom home with cherry wood stairs and floors, built-in industrial appliances, architectural digest cabinets, 3 car garage, and 6,000+ square feet (12 rooms) of living space with an unfinished walkout basement of 2,000 square feet or more).

The appraiser’s comparison is a 2200 square feet tract home with Home Depot GE low priced appliances, 10x7 bathrooms and a 2 car garage with 6 rooms. Our custom home was valued only $50,000 more. Although we had funds to pay cash for the home, we wanted a jumbo loan for tax reasons. We financed elsewhere and took approximately $200,000 from Wells deposits. And the fools came and asked why we chose to close some accounts.

Two years later, we needed $150,000 for attorney’s fees for a lawsuit. Our credit scores were around 800. We had the funds on hand, but the tax consequences would cost us $40,000 alone. We explained the situation to the loan officers at Wells, high credit scores, assets in the 8 figures, and a 32-year history with the bank. We received a response several days later; poor credit scores, too many open accounts; credit denied. In the meantime, our $50,000 in Wells stock shriveled to $10,000. We complained to the board of directors and we were censored by the secretary to the board. Wells Fargo has its policies and must stick to them. This is not a matter for the board.

Well, gee! Wells lost 80% of my stock investment because of mismanagement of the bank and cost me $40,000 in additional taxes. The interest on $150,000 for one year would have been cheaper than the taxes. When I deal with Wells Fargo, I just love it when some sexy voice asks me why I do not have a savings account with Wells. I respond I hate dumb questions. I refuse to allow my funds to go for any more giveaways to ** up management. There are many good banks out there. Put your money in one of them. For savings, buy Wells or Bank of America at $1 to $10 per share and make 900% interest. The Obama administration is not going to let these dinosaurs die.

In December 2009, I repeatedly asked Wells Fargo if I could have just one payment moved to the end of balance to allow me to catch up financially, even explaining to each customer service representative why I was unable to pay at that time. Each customer service representative told me that my reason for not paying did not qualify for the payment to be moved.

I made a payment arrangement with a Wells Fargo customer service representative on December 31, 2009 in which I explained that I was not able to make the full payment of $326.00 The customer service representative told me that if I would make at least a $50 payment within the week, the phone calls would stop.

I made a $100 payment within that week, and about two days later, those harassing phone calls began again. I paid the remaining balance of December's car payment online on January 15, 2010. On January 17, 2010, I received a phone call from a customer service representative stating that she had received my file due to lack of payment and that my January payment was also late, because it was due on January 16, 2010. I told her that I had made the past due payment on January 15, 2010, as I had arranged with at least three other customer service representatives. She stated that she did not see the payment in the system and once again asked me for the reason for nonpayment and a future date of payment.

It amazes me that when the banks were having financial problems, they had no problem with using taxpayers money for the "bailout." But when taxpayers cannot afford to pay a payment for a month or two, there is no assistance or compassion for us.

We have paid over $50,000 and still owe $10,000! And because we were out of work for 16 months, we are a little behind and are harassed and threatened on a daily basis! I know we are not the only ones. Just go online and view all the complaints! How can they charge us that much? How can they get away with threatening me and harassing me?

I literally receive over 20 calls a day. One lady in particular, Miss **, is just horrible and treats me as if I am the scum of the earth! We have already paid over $50,000! Someone needs to investigate these people! I don't even care about the money. I just want them to leave me alone. Please, please help me... Please!

The day I wanted to close my account, I called and told them I wanted to close. I looked on the web site to see my account and it said I had 3.00. Their response to me is you can't because there is a NSF on there. I asked for what and they gave me the run around. I told them I took care of the 3 checks. This has been going on since December 3rd. So now, I have a overdraft charge of $105.00 because they would not let me close when I asked. I'm still fighting this dispute. I don't have 100.00 to hand over to them.

The bank doesn't even know what the charge is for. They blamed Shopko and I called and dealt with them for 2 days. It wasn't them. Why is the bank pointing fingers to everyone else and not knowing what the charge is for. I thought they would be smarter than that. I have to do the investigation myself. I've been passed to a loan officer in Madison for what I don't know. Dealt with him for a couple weeks until I asked him, why can't I just close my account? He said contact Stoughton Bank, and he didn't know why they gave his number to me. I owe 105.00 for something I don't know what it's for. Just trying to close my account. I'm not sure how this looks on my credit report.

The transaction was done in Chandler Arizona, it turns out and after the Wells Fargo rep told me I should be more careful. I told her I was disappointed in Wells Fargo which took her by surprise. I ask if she would have authorized the transaction and she told me she couldn't comment. I received a call a few days later from a Wells Fargo rep telling me I would not receive reimbursement till the forms were returned. I can see this. Wow got the forms and mailed them as directed. We then received a second notice from Wells Fargo that the forms mailed to us on the 28th of December had not been returned on the 28th of December and we risk the money being removed from our account once more. We were never reimbursed in the first place.

All our calls and emails with Wells Fargo end with them telling us we have to be more careful and implicating us as being at fault. They take no responsibility what so ever for their actions when it is clear they were negligent. What can we do now? The people that perpetrated this crime are walking free while Wells Fargo blames us.

I felt confident that I had the money to cover my purchases. I made 4 purchases that night 3 for 25.00 dollars or less and the last one for a little less than 200.00 at WalMart. At the end of the night, I called to check my balance and it seemed like everything was good. I had a few dollars left on my account and my shopping was complete. A few days later, I called and my account is overdrawn my 56 dollars.

I called the 800 number so I could figure out what had gone wrong. Turns out that, not all transactions are posted and I was negative 56 dollars. So I deposited 60.00. The following Tuesday, my account has 4 overdraft fees, because they went from highest purchase to lowest. In my opinion to get the most overdraft fees possible. I spoke to numerous people and they all said there was nothing they could do because I had received credit some overdraft fees back in Feb. No one bothered to see why I had overdrawn until a few days later when they went back to check that it was a third party error.

So I spoke to a young lady who was a supervisor for the call center and she said she could give me credit for all 4 but a partial credit. Half was what she offered. I don't understand why they just didn't give me credit on 2 which is the same thing. I'm upset that the bank purposely switched my purchases around, if anything I would have had one overdraft for my last purchase at WalMart. Instead they entered that one first so I could instead have 4!

Long story short, I had to return my 6 years old bike I had bought her for Christmas and I must have been on the phone with these people for hours. Most of the time, I felt belittled by the customer service agents. When I finally got the credit (half), I was told I should be happy with what I got and that they didn't have to give me anything to begin with. I had been working long hours and 6 days a week. My day off was spent on the phone with someone from Wells Fargo or at the local branch. I know that 70.00 dollars is not much but for me it is. I'm a single mom of a 6 and 4 year old and hanging by a string to keep my house from foreclosure. I was counting on that money to pay for my water bill.

I am in a very difficult situation now and feel like I was taken advantage of. I work hard for my money and have never taken anything that's not mine and here comes a (bank) and practically robs me of my hard earned money. I really want to change banks but I have my direct deposit through them and my mortgage payment is done through Wells Fargo as well. I don't have the time to do all those changes with my work schedule right now but hope to be able to soon.

Nothing? Free cash for Banksters, the Real Bank robbers. I think all banks should be illegal! If I did to people what they do, I'd be in prison! I am disabled. I get only $674 a month which does not pay my bills. I was looking for any work during the holidays and Wells Fargo helped Synergy Training program/Internet Rich G. rob me, defraud me. Actually, if the fraudulent Internet company hadn't been paid by Wells Fargo, Wells Fargo would have over drafted my account again this month like they've been doing almost constantly since I opened the Fiduciary/disability/Payee/Representative account. I think it is criminal, and I want criminal charges filed!

When I woke up, I had called downstairs and told them to send the ambulance right away. I was having trouble breathing. The ambulance drivers came and got me and gave me a shot for the pain. They had asked me if I had any insurance and that was when everything started really bad. When I had woken up from the drug that they had given me, I could not find my wallet at all and asked the hospital to look into it. But, of course, there was nothing to be found. I was in the hospital for 3 days because of my injuries and I was not able to walk or breathe right. When I went to go to the bank, I found out that my account was overdrawn over 800 dollars. I had just been paid from my Social Security check and did not even have a chance to use it.

So I was screwed up in Dallas with no money and had to have the bank send me a dispute form in the mail which you all know takes a week to get to where you live. I filled out all the stuff that they asked for and returned it hoping my funds would be reimbursed to me. Shocking enough, they denied me. So I called and got transferred to one and another and another and another person which by that time I had a headache and was over it. They were so not compassionate or would give me the time of day, period. So I was stuck with all the overdraft fees that the person who had taken my card and used all over the place. I even had a police report. Wells Fargo would ask me to fax this and this and this and still would not take care of what charges were made to my account without my permission. I had no idea of what to do. They wanted me to pay some outrageous amount like $425 a month.

The balance that they told me that I owed them was over $1900 with all their charges. So now they have turned me over to a collection agency and they want everything in full or the IRS will be involved. Soon after I ended up very sick in the hospital from the stress and my immune system failing me. It has been the most horrible occurrence that I had to be put through with Wells Fargo Bank. I must have my medication to survive or I will die. And they are very expensive. With all the calling and trying to work things out with Wells Fargo, it all ended up with them closing my account and turning it over to a collections. I have no money to pay this back. This was not my fault in any way. I have been through hell and back with this. I still get harassing phone calls now from the collectors wanting money and now they are threatening me over the phone.

Is there anything I can do? If so, someone please help me. I am to the point of just having a nervous breakdown. I have lost so much weight over this and my immune system is not good. I hope all of you who read this know where I am coming from. This is real bad and I am still dealing with all the BS. Thank you all for sharing your side of what has happened to you and I hope that we all can make them realize that Wells Fargo has put the squeeze on a lot of people.

When the money didn't arrive, I called Jeff. He told me that my Wells Fargo account was not eligible for wire transfer and they sent the money out in standard mail from Canada. I never received a check. I called Jeff and he told me the company was going bankrupt and as soon as I got the check, to cash it. I waited and waited for the check to come. I lost my car due to not being able to pay my car payments and I am on the verge of losing my apartment. I have filed for county assistance in the county I live in. My mom and my friend are out a total of $1,707. I called the company and the number has been disconnected. This all happened because Wells Fargo referred me to a fraud company.

Two days ago I checked our online account and Wells Fargo credit card department hacked into our checking account, and decided to pay themselves $254 - leaving us $4 for the rest of the month for food and gas. They knew our intention to file bankruptcy and thought, "Hey, we might as well steal their money while we can before we don't get any." I of course called right away, got the runaround for 30 minutes and finally talked with a careless claims department person. I asked her how in the world they could authorize this. With any other credit card company (American Express, Chase, etc.) they have to place a judgment against you and take you to court in order to garnish your wages. They can't just hack into your account and take your money. But because this was a Wells Fargo credit card and we bank with Wells Fargo, I guess that was their loophole.

I begged and pleaded with her to reverse the charge as I am pregnant and have a 2-year-old daughter to feed, and was on my way out to buy groceries the day they took our money. I'm once again crying livid tears at the heartlessness and corruption of this institute. I went into my local branch and asked to see some sort of disclosure that they may have put into our statement that lets them get away with this, and they said sorry. I am at a loss. You would think that the fact that we stated over and over again we are in the process of filing bankruptcy, that would exonerate us from them being able to do this. But I guess they saw it as an open door. All I can do now is pray that God would provide for our family.

I tried speaking to my "Business Specialist" and found it hard to get a callback. Sometimes it would take me several days to get her to call back. I've found that the bankers usually admit that their practices aren't fair, but they never do anything about it. I've done some research and have found that Wells Fargo merged with Norwest Financial several years ago, and then it started making sense to me. Norwest is a lending company that specializes in hard to finance items and people with less than good credit. They specialize in motorcycle, furniture, electronic, and other loans usually at places that have customers hard to finance. Norwest's employees are basically loan sharks and have very rude and aggressive business practices when it comes to dealing with customers. When Wells Fargo and Norwest merged, Wells Fargo named a Norwest executive as CEO, and I would guess that was when everything changed.

When I was younger, I remember banking and how customers were treated with respect. Sure, you still get a warm "hello" when you walk into a bank, but that's as far as it goes. I know that it's almost impossible to make every customer happy - don't forget I also own a business. But Wells Fargo has shown me that they're only out for my money; and by talking down to me over and over, making up rules as they go along, and acting as if I'm just a number on their balance sheet, I've decided to take my business to a bank that will appreciate it.

I am amazed, in this day of bank regulation, that Wells-Fargo can operate in this fashion of not being able to provide the appropriate documentation to partners with others lenders for government required documentation. Instead they have created a long list of multiple banks that won't subordinate and just lead customers on to have loans that cannot close - through no fault of our own, only to pull out the list in the 11th hour - amazing how this never came up for the past weeks! I previously upheld the utmost respect for Wells Fargo prior to this 3-ring circus of the past few weeks but now I have been left with a very negative view of this company that would target their customers with attractive finance rates only to learn that they are not applicable due to something as ridiculous as your organization being able to not produce the appropriate paperwork.

Had WF have spent the time and money to do the proper marketing targeting to consumers such as myself, we would not have wasted the past 6 weeks jumping through hoops for this "no cost, no hassle" refinance only to learn it's not possible. Secondly, the reason it's not possible is that their closing department does have have a government required HMC certificate in place that is required by other banks to give subordination. They only have a sub-certificate in place that does not meet the requirements of many banks to grant subordination. So in essence, they are losing money when these loans cannot close as well as wasting the time of their employees and customers running in circles!

I explained to them that I am currently on disability and not in the best of health, and it seems as though they treat me worse. The reps constantly from 8am in the morning until 12am at night phones with threatening messages demanding that I pay the full amount, which I cannot afford to do at this time. When I talk to them and explain my situation to them, I am told that is too bad, and it is sad. I was even told to borrow money from family or friends and not to worry about rent, food or where I live because of this obligation that I have with them. I truly understand that they are in business to make money and that I am under contract with them to pay the loan for the car, but to be degraded and humiliated on a daily basis, to be belittled and treated with no respect is very extreme and uncalled for.

We as Americans are all experiencing a recession in some form or another unless we are rich and the rich and famous does not have to deal with car loans and creditors. So it should be understood that if I could make the payments, I would as I have in two payments per month instead of one per month. The managers are just as disrespectful and rude, and when I asked to speak to a supervisor, they are also the same. Wells Fargo, please stop demanding money from me that I really do not have and stop calling my home every day and night demanding money from me. I would also like to know what guidelines are set in place by the government so that I can continue to make my payments but without the harassing, demanding and disrespecting manner that Wells Fargo has done and continue to do. I humbly ask for some help and assistance with possibly lowering my payments until times get better for me.

I am in no way trying to not pay for this car loan but would like some consideration and a lowering of my monthly car payments so that they could get their payment and I can make them in a timely fashion without the degrading, disrespectful phone calls, letters and messages on my voice mail. I thank you in advance for your time and attention in this matter.

In a world of mounting expenses and incessant debt due to schooling, we do our best but despite my wife having attained her master's and myself having a bachelor's degree, it is not often enough to avoid overdrafts and late fees. My last pay period, I was given a substantial pay raise and more hours at my job, and consequently earned a more substantial paycheck. We planned to drive to Arizona for Thanksgiving (we live in California) to spend the holiday with family and my wife deposited the payroll check on Tuesday, fully two days before the holiday to give it time to clear. We were then told that Wells Fargo had decided that because the amount was over a thousand dollars and never had been before in nine months of working, that they were going to put a hold on the available funds until December 4th, a full seven business days after the deposit.

This was not a partial hold. They were not holding the difference past a thousand dollars, they were holding the entire amount. Has anyone ever had their entire payroll check held for more than three days? If you have, you know it puts a pinch on your living expenses. Now consider an extra week, the day before a holiday. As it was past business hours, I sent Wells Fargo an email about what I considered to be a somewhat unreasonable situation. Well I had to send three emails as the comment fields in which complaints or questions are supposed to be drafted were not large enough to fully explain my predicament. I guess I'm pretty verbose, but the character limit seemed to me almost to be designed specifically to discourage complaints and questions.

The next morning, I called Wells Fargo and complained to a telephone banker and was told by her that she did not have the power to rescind the hold. She did suggest I enroll in direct deposit, but my employer, as a start-up company, doesn't offer it. I stated that I understood that as a teller, she did not have the authority to unfreeze my money and asked for somebody who did. I was at first disconnected. After calling back and given the same spiel, I was finally put in contact with Dean, who though polite, explained to me in a somewhat condescending manner that although I had deposited all of my payroll checks (from the same institution) with them for many months, they were having problems securing the funds from the other bank and were not going to remove the hold.

He told me to go to my employer and ask for them to cancel the check they'd issued me and ask for cash. So the policy had switched from the reason they had originally given for the hold. I was initially told that the hold was placed due to my history of overdraft fees. Now it was because the other bank was having a problem. I personally believe Wells Fargo intends on collecting all the fees that will be incurred for the next seven days as my unavoidable bills come through. I suppose they were willing to let it go if I were able to successfully cajole my employer into incurring a canceled check fee, but is that a reasonable request for a contract employee to make of their employer in such a shaky climate of rampant unemployment as we live in today?

I work for a start-up company and I'm sorry, I wasn't about to ask my employer to go through the rigamarole of cancelling my paycheck (which was issued four days previously, I just picked it up on Tuesday to avoid the delay of the mail) and issuing me cash! In the end, I am looking for a new bank. I can't abide a financial institution, who would deny a family its honest due compensation the day before a national holiday and then have the gall to hold the entire amount for seven days. I urge anyone who reads this who is considering banking with Wells Fargo to weigh my experience in their decision. They do not have the good of their customers or the American people in mind, which is a shame as they have such a distinguished history - the sort I had thought I could trust. I am sure that Dean and all the folks at Wells Fargo will have a happy and abundant Thanksgiving. I know it in fact, because it's on me.

During our meeting, I asked if there was any activity from the date of her death to the current date. Of course, there was one transaction draining the account 15 days after she died. He also informed me to whom it went to. It seems her boyfriend transferred it from her account to their joint account. He was not authorized to do so. Since it happened inside the bank, the 2 or three people it went through should have caught it. He said I needed to go to the branch where it took place and talk to a manager over there. About a week later, I closed the account.

Off to the Canoga Park branch we go. I spoke with Angel, asst mgr. That was another original ($12) death cert., some more ($10) notarized paperwork. He informed me that I needed to file a fraud claim to reverse the transfer of which I was under the impression was going to be no problem. He gave me a packet to fill out and have ($10) notarized, but by this time it was like close to 6 pm. The next day, I returned with the paperwork and he going over everything. He was on the phone with Legal and the Claims dept. making sure we had everything.

No problem, they are already expediting the forms. The claim was filed the day before; they were just awaiting the backup paperwork to validate it so we faxed it all over. They should be getting a hold of me shortly. Well, 4 days passed and I called the number. They just received the fax today; it was given to an investigator. They would let me know. I was blown off. They didn't give me a name, a number, nothing. In the meantime, this boyfriend of hers is having a heyday spending what he can get his hands on. So back to the bank we went.

I explained to Angel the situation and that there were checks of hers expected. I informed the bank, the branch the repeated fraud counts had occurred. Apparently while she was hospitalized, he was signing her disability and cashing them, an insurance check for almost $11,000. He signed her name to be deposited and spent in a matter of days. There was another coming and it was addressed to "The estate of **". So they flagged the joint account she was still on because he hadn't removed her months after her death.

Angel assured me that anything being deposited with her name would not go through. I got a letter from Claim dept. stating that since the transfer was from Linda's account to Linda and boyfriend's acct., there was no loss suffered, therefore claim denied. I was beside myself. I called that number I was given, and they gave me a name and Sacramento number or who I was to talk to. I called that lady everyday for 2 weeks and left messages, literally everyday at least one if not 2 or 3 messages a day. There was nothing, not one callback. so off to the bank I went.

This time at Palmdale branch, I spoke with a very nice lady who called the number also I had just called and got the same result. I am being referred to this woman who doesn't return calls. I learned that the check I had reissued from the insurance company had been mailed to wrong address. I went back to Canoga Park branch and informed them that the boyfriend could be obtaining it and since I am the executor of the state, and the check is to "the estate of **." They assured me the flag is in place, nothing with her name on it will go through, blah, blah, blah.

Oh, my God, the incompetence. I talked to the insurance company and big shocker, the check had cleared ... Guess whose account? It is unbelievably ridiculous. Now we had backpedaling and the alert wasn't placed right. It was deposited through the Versateller and should never have cleared but did. The bank is covering their ** and no longer talking. It says to go through Legal but will not give the number to the infamous Legal. I finally called and asked for that fraud lady's supervisor and got Judy.

Well, now Judy says that the sole owner account I closed, the boyfriend was a signer on. I was shaking my head, thinking, "Lady, it was a sole owner account under the name, Linda **; how can he be a signer? That's not his name. If he was on it, I couldn't have closed it. Hello!" 5 different Wells Fargo branches I have talked to all know he wasn't on it. Two of them pulled up the original application, he was not there. She replied, "When did she die?" I told her Sept. 10, 2009. She responded, "Well, she added him to the account in August." I said, "Really? Hmm. I really don't see how that was at all possible since she was in ICU on life support since July till she died. She had a trach, that thing in the throat to breathe, she couldn't talk. Nothing legal could have transpired."

She replied, "Well, did you include that in your affidavit?" How could I include any of this asinine behavior? its' all B.S. Personally, I thought it was cut and dry - dead woman - 3 weeks later, a transfer to joint account occurs, it wasn't her, she's dead. He didn't have the authority to. You reverse the ** transfer. The funds were in the account. She said, "Well, I will have to email the supervisors over at fraud prevention, blah, blah. What's the best number to reach you at?" I gave it to her.

It's 2 weeks later and still nothing and no one is returning calls. I did go into the bank and have the funds from the illegal check clearing frozen, supposedly. I have got to tell you, "If I were a criminal, Wells Fargo Is definitely the bank for it." It's just like having their lawyers do all your dirty work so busy covering there own ** the fraud gets buried right along with it. By now, I am several thousand out of pocket just with red tape. The bank cleared the check that they assured me would never go through, so the insurance won't reissue ... The bank hasn't returned it. The initial $900 transferred is still off in limbo and everybody is pointing a different direction.

Now the holidays are here. My mom was all I had. Wells Fargo has cost me what little I did have left, and they are helping give away what little she had coming. It's very difficult to look your kids in the face and explain the situation we are in because we did the right thing, when the only lesson they actually learned was doing it the right way got them nowhere. As far as I know, the almost $28,000 is still in the boyfriend's account, and he has regained access to it and the $900 he took from her savings is also in the wind. No one has called as they said. It is 2 weeks later and business as usual like nothing ever happened.

I immediately called them and told them we had cancelled the program in April so why were they trying to debit money. They said they were told to restart the program in July. I told them that was not the case and to please cancel the service, and not to send a credit because the debits did not clear our account. (We'd already made out mortgage payment so the money was not there.) A few days later, I saw a credit in our checking account for half of the total of our first and second mortgage. I got on the phone again and told them, "You sent a credit and I told you not to because the debits did not clear." I said, "We have this money and you need to take it back." So we waited for them to contact us to make arrangements to retrieve the money. I called them again and a customer service rep told me they could not retrieve the money and we would have to contact our lenders and they could fix the problem. (That was misinformation.)

In the meantime, we were having problems with our checking account because I was using the bill pay service and it got out of hand. Payments were being made I wasn't aware of so they froze our checking account until things settled down. So, we started getting calls from our mortgage companies saying we hadn't made our July payment and we told them we did and we had a record. A few days later (this all happened in July and into August), we received a statement from Wells Fargo and the statement said we owed for July but there was a partial payment in suspense. I called to find out what was going on and no one could help us. We went around and around for weeks. We had several individuals doing research but no one could figure out what happened to our payment. Finally, we found someone to do research and they said it would take a week and someone would call with the results.

We were told a week later that everything was fine but to call on Monday to see if the July payment was applied correctly. Well, I called on Monday and the customer service rep who answered the phone said nothing was resolved and we still owed for July, so it started over again. I finally decided to call the Equity Enhancement Program and we spoke to a supervisor and were told exactly what happened. They took what they sent as a credit from our mortgage payment. We asked if that was legal and he said when our account was frozen, they couldn't retrieve what we owed so they went to our lenders to get it. They did however spoke to Wells Fargo and cleared that up so we did not receive a past due ding on our credit but that did not happen with HSBC mortgage. We contacted HSBC and finally found someone to research our account and he told us what happened.

There was an incident where they misapplied a bi-weekly payment back in February but when we asked for that in writing, Sanjay ** in collections went to his supervisor who said he could not provide documentation and we had to go through their research department. They gave us a fax # and told us to write a letter and fax to that department. We wrote and faxed a letter and after 30 days passed they did not have our fax or an answer and they conveniently did not understand what we were trying to fix so they reported us delinquent on our second mortgage. Those people were incompetent. All of a sudden, no one knew what was going on and could not find anything in our records when Mr. Kumar explained exactly what happened and how it happened. We have gone through many frustrating calls trying to resolve this issue with HSBC and it's still not straight.

My company recently promoted me to the National Director for Senior Housing in October 2009. It is a fabulous opportunity for me. I prepared a comprehensive business plan and budget for them. The budget called for an investment on my part of approximately $25,000. I borrowed the money from a hard money lender in hopes of creating a substantial revenue source nationally for me and my company. I signed a hard money guarantee and put the money in my Wells Fargo savings account. Wells Fargo in turn took $15,000 out of my savings account and paid off the line of credit I owed them. They called me the day before they took the money I borrowed and made me an offer to pay them $10,000 to forgive the debt. I told them in the phone call I needed the money for my new business venture and appointment, but I would be able to pay them once I close an escrow I have in December 2009.

I called them and they told me that they have a right to empty all of my accounts to satisfy the line of credit. I asked them for proof that I had signed a contract allowing them the ability to take money out of my account and they said that by me signing my savings account card, they had the right to take the money they were owed.

A few weeks later, we called them to find out what was going on. They said the $56,000 was moved into a house account with First Clearing. We contacted First Clearing and they said we need to get back to A.G. Edwards. Meanwhile, I have a contractor who wants to be paid at the end of this week and neither A.G. Edwards nor First Clearing has any idea what happened to the money. I write both to complain and with the hope that some pressure might be placed upon whoever has the $56,000 so we can satisfy our debt.

However, Wells Fargo... their product and their policies were used to rip me off. I called and called. I escalated and escalated and was told over and over, there was nothing they could do, that money order buyers can cancel their money orders at any time and get a refund. This is ridiculous; this means that even if the money orders clear in another bank account or are cashed, that the buyer gets their money back. It's ridiculous. I have not used eBay again since then, and I will never ever use Wells Fargo for anything, ever. It is reprehensible that they would allow blatant fraud to occur by way of their product and offer the victims nothing.

Today,10/17/09, however between 8:00 am and 11:00 am, she was called 3 times by Wells Fargo asking for me. When I learned of this, I contacted Wells Fargo and they gave me some bull story about their computer software that didn't update with their main computer and blah, blah, blah, which I don't believe especially when they were told several times (in 10 days) that I didn't live there and they called her 3 times in 3 hours. But now that I've contacted them, everything is resolved with their computer problems. I just don't believe it. if there really is a problem with their computer, then I'm not the only that this is happening to. Innocent people shouldn't be harassed because of their computer problems. And If it is a tactic just to get a return phone call (which I think that it is), then something needs to be done and the public needs to be aware.

Feeling a little frustrated, I turned to my right and started walking up to the counter. No people in line, but about half a dozen employees dressed in jeans and t-shirts. I said as I was walking up something like, "I can't get my card to work with this pin." Without provocation, I heard one of the guys say in a sarcastic voice, "Oh no! That's terrible! We need to do something about that. Sounds like we need to issue a new pin!" I am paraphrasing, but close enough. He purposely said it to make fun of my issue. The rest of the people around him burst into laughter. I could see on their faces that they knew it was inappropriate, but being 12 years old, they couldn't help themselves I suppose. The person I had helping me finally was nice enough and tried to change the subject, asking me a couple of questions about things I might be doing. I got the feeling that they had just been through an "all-personnel-must-ask-these-questions-of-the-customer" seminar. Everything sounded fake and over the top at that point.

I later returned (about an hour later) and asked to remove my money from the account. I wanted to see if this generated any concern or alarm from anyone there. Nope. Nada. I even mentioned I had a weird experience earlier at the branch and I was uncomfortable with it. All I got was an "Oh sorry to hear that" comment. Nothing more. No probing to find out why. My guess is it was because they knew why! Still instead of trying to save the account, they were oblivious to the fact that they caused this ** to begin with. What kills me about this whole thing is that these guys have jobs. I need a job. I'd go out of my way to have one of their jobs. I wouldn't risk that job for anything, but these people are again oblivious to the fact that so many of us are suffering - in a large part because banks like Wells Fargo caused this economic downturn. Yeah they suck, suck big time!

Now, a lot of folks are out of jobs and in this screwed up economy, it’s only going to get worse. It seems to me that there should be some law on the books to make the loan companies make some sort of effort to help people that have lost their jobs! This lady called herself a customer service rep! Damn, she was rude, unhelpful, unwilling to make any effort to help you, extremely loud and aggravated! And of course, this really upset me. Her name was Samone and I feel she should be fired! After telling her I wanted to speak to her boss, she switched me over to Jason (her supervisor) and he told me pretty much the same thing, that they could not help anyone without a job. Now, damn, I wouldn't have been having struggles if I had a job!

But after talking with him and trying to explain the problem and trying to let him know that I was willing to do whatever it took to keep my vehicle, he still was unwilling to work with me until I said I can pay one half now and one half at the end of the month. Well, well, I’ll be damned! He then started talking about taking my money! Now I feel there should be some kind of law that protects the person that loses their job and needs some form of help! I understand the laws have changed? Did Obama change the laws?

I feel that someone should be held accountable for their actions against people who are willing to take the time to call, inform of the situation, are willing to work with your loan company and be treated with respect! They need to remember, "There but for the grace of God, go I". Without customers they have no job! And they are in the same boat as me! I would never recommend Wells Fargo to anyone! They are unwilling to help anyone in any way! So remember their motto, "If you lose your job, we cannot help you! We would rather make you suffer even more!" That’s Wells Fargo! Crap! I could lose my vehicle if I cannot make payments, even without a job!

On 9/18/2009, I contacted Wells Fargo Loss Mitigation at 800-678-7986 and informed them that I would not be making my next payment. Since I did not hear back from them, I called again on 10/2/2009 and talked with Ronanda of Loss Mitigation. She said that she would try to help, then took additional information about my financial status. After being asked of my information, she asked me to put up $571 within 20 days to see if I can be qualified for a program. She did say it was not mandatory but after I said I was not willing to make the payment, she told me that I did not qualify for any program. When I asked why not, she told me that she did not have that information. I was then transferred to a department to arrange a short sale of my property.

I am in the process of losing my home due to the practices of Wells Fargo. This is not the first time this company has tried to con me out of money. Their refusal to deal in good faith is damaging my financial well being and creating a worse economic situation for both the local community and their investors.

These calls on both my home phone and cell phone disrupt my work day. I am a single mother of two school age boys. My ex doesn't believe in child support and I am trying to make the best I can. I do work and hope to work with a debt solution plan within the next two months. I have tried to explain that to the creditors but they don't care. They just keep calling all day. Wells Fargo calls about seven times a day, calls another 5-6 and Capital One just as often. That comes to over 21 calls a day. They start at 8:00 am, 7 days a week and don't stop until 9:00 pm. I have an 8-year-old son that goes to bed at 8:00 pm. Do you think anyone call my ex-husband that often for not paying child support over a year, or the State of California when I couldn't cash my refund check for four months? (They paid me 3% interest. The credit cards charge me 27% on that same money that they call me 21 times a day for!) I hope Mr. ** has a nice day.

Last week, I contacted the claims department and found out my claim was denied because I had never made such a large cash deposit! Today, I received a letter from their district manager stating "We have completed our research regarding your claim and were unable to locate an error regarding your deposit" followed by a free standing sentence "Upon verification, we found your deposit consisted of $3,300.00." The next sentence was "The provisional credit for $3,000 will be withdrawn from your account within 5 business days." This letter was very contradictory! I will try one final time by filing a formal complaint with Wells Fargo's complaints department because their supervisor Trina ** is useless! This is a crime and I will do everything in my power to receive the money back.

I called the executive office and explained my situation to them. I was transferred to two other people, having spent a total of 30 minutes on the phone with them. I was told there was a block on my personal check and they could not remove the block and were unable to transfer the funds into my business checking so that I might have access to my money. Customer service told me I must visit a branch. I waited 1 hour and 30 minutes for the branch location nearby to open. I had a very difficult experience dealing with three of the female employees. They refused to remove the block from my account, they refused to transfer the money to my business checking, and they were laughing and smiling. I told Melody that they were poorly trained in customer service, and she threatened to call the police, saying I could not speak to them that way.

The three women involved were **, **, and a teller named **. I walked nearly two miles to another location where my personal banker Andrew was waiting for me. He had never emailed or phoned to tell me about placing a block on my personal checking account. I expressed to Andrew how unhappy I was with the service, since I opened my business account with him. I told him nobody has shown any interest in helping me find ways to grow my business. He said I should have called him. I told him I did not think he could help. Then I asked him for help, and he said there was nothing that the bank could do to help me. I filed complaints with the East Bay executive office, the San Francisco corporate office, Federal Reserve, FDIC, and Comptroller of Currency.

Also, I called the FBI and local police department to inform them about the three women at the Roseville branch located at 781 Pleasant Grove Blvd., Suite 100, Roseville, CA 95678 for refusing to remove the block from my personal account, transfer funds to my business account, or in any way provide me access to my money. I have no debt or outstanding loans due with the bank to my knowledge. I hope this letter provides you with some idea as to what I have been experiencing since I began doing my business banking with Wells Fargo.

On 8/26/09, I checked my account online and saw that I was over $1,500 overdrawn. Wells Fargo had allowed that withdrawal from my account despite the fact that the money left in there did not even come close to $1,600. With all the overdraft fees, I am still over $1,500 overdrawn. The incident was investigated and Wells Fargo stated that they had done nothing wrong, refuses to refund my money, and now expects me to start depositing money to cover the overdraft.

My account remains over $1500 overdrawn. Wells Fargo calls me and harasses me to deposit money in that account. I had to open a new account elsewhere and change my direct deposit information. All my bills that are automatically withdrawn from my account cost me $39.00 every time they are submitted to Wells Fargo. I have become extremely stressed and have broken out in hives.

I immediately called 1-800-869-3557 to inform them I did not receive any money on this cancelled transaction. They said they would open an investigation into my claim and they put the money back into my account while this matter was being investigated. I then received a letter from ATM Operations Claims, 1-866-519-3576, stating the matter had been investigated and that there was no malfunction of the machine. I insisted there was as I received no money. The Claims Investigator said, "You will also be charged an overdraft fee of $25 in addition to the $160." I went to my bank and they refused to talk to me, only saying they could not help me. Please investigate this matter on my behalf. I am going to continue my complaint and to attempt resolution. I would appreciate any feedback you can offer me. Thank you.

We submitted all the evidence to Wells Fargo proving that their appraisal was incorrect, but they insisted that it was "sound." It appears that we have no choice but to accept what their own appraisers say. This appears to be a scam that is probably taking place on wide scale. We had to pay for an appraisal that was probably deliberately distorted to enhance revenues for Wells Fargo (even though they claim that they do not profit from PMI payments). Of course, by not fairly evaluating the value of our property, we will be forced to continue making monthly PMI payments.

So, I filed a complaint with the Attorney General and the Better Business Bureau. They responded to the BBB saying they are unable to determine the promotion requested, and they have not given me my $50 bonus. I gave them all the information that was on the mailer as it stated to do. They are the ones that sent this offer to me, and now they don’t know what I am talking about even when I have provided them with the promotional code as it stated to do on the mailer. Wells Fargo offered me a promotion to open a checking account and now they won't honor it. I find this very upsetting for me as a consumer to have Wells Fargo use a bait and switch marketing scam to get customers, and I feel consumers need to be aware so they don't fall victim to this same scam.

I spoke with Syrus at 1-866-646-2706 ext **. He opened a join account for my husband and me. He did not ask for authorization or inform me that he would be pulling our credit report to open a checking account - a violation of FCRA. He also didn't input the personal offer code ** I gave him for the bonus. Amber at ext ** informed me of this on 8/3/09. She tried to fix the problem but learned only Syrus can. I have called him and left messages, but cannot get a call back from him.

I called again and the lady told me she couldn't reverse it; she can't tell which account it came from. I asked to speak with a supervisor and she refused. I said I need to speak with a supervisor and she said and I quote, "now you listen to me, Michelle, there is nothing we can do; we are not showing two payments made." I said, "it is right here on my statement online. Are you refusing for me to talk to a supervisor?" And, she said, "yes!" I then hung up.

Funny it should happen as a man by the name of Brian from the office in Duluth called to see if I was happy with my account or if I'd like to apply for any other lines of credit. And I said, "no, actually I am having a serious problem with my account," and explained the situation. He apologized and said he would call their office and straighten out the situation. He called me back shortly after and said they were going to fix it and they did show the two payments. But he couldn't give me a date of when it would be credited to my account, that they were giving him the runaround as well.

Here we are, a week and a half later, and I still have not been reimbursed the money or the overdraft fees it caused my account, not to mention I was on vacation for the last 5 days short the $425.08 they owe me. We barely had enough money to make it home from our trip. My account has incurred multiple overdraft fees and I have no money until Sept. 3rd when I get paid again.

I, in no way, shape or form, deserve to be treated like that. At no time did I ever talk to her in a rude manner. The woman I spoke with was completely out of line and when I called again to ask for a supervisor, I was again, not to my surprise, hung up on.

We received a letter in May telling us that WF was going to foreclose and that $7,000 was past due. This home is VA-backed. We even called the VA to act as a liaison and to contact Wells Fargo in our behalf. The VA sent them countless emails and called them as well. They never received any response. They never received notice that WF was going to foreclose or the house was going to be auctioned off. In May, we got another letter stating that the house was going to be auctioned off on June 5, 2009.

After countless calls to Wells Fargo, including Customer Service, Loss and Litigation, and their attorneys, we sought legal advice from an attorney. The attorney tired of contacting Wells Fargo, wrote letters regarding our mortgage. He never got any response, either. He tried calling as well and got the same runaround as we did. He got nowhere and advised us to file Chapter 13 to stop the foreclosure. (The attorney is no longer acting on our behalf regarding this matter.)

On June 3, 2009, we filed Chapter 13 to stop the foreclosure. (It's the only debt that we needed to file on.) We were hoping that a rep from WF would show up in court to explain where our money went and explain the charges. Since that didn't happen, we stopped the Chapter 13. Last time I called WF, they said we were only 4 months behind. Yet now, we owe them $13,000.

I know for a fact that they have done this to others and they also remove the charges for others more than one time. I expect to be treated equally. If needed, my boss will attest to the fact that they had tried to do this to him more than once and did remove these late charges.

Nancy ** was a very evil and she got a bad and harassing Mexican prejudice against me. I want to have her prosecuted and fire her from the bank because based on my polite, kind, and courteous acts, she had no reasons to harass me and treat me in such an injustice manner. The teller was the same with customers after. She sounded to me very humiliating and her gestures. For these kinds of incompetence and harassing attitude, I want to close my account.

The day I talked with Angel was on Tuesday. On Wednesday, I got a call from a different person saying I still owed $900 and that my car was in repo. When I told them I had spoken with Angel and that we were settling the account, I was sent to a manager and told that Angel didn't have that authority and that basically for 2 days I was lied to. When I lost my cool and reiterated my entire 2-day ordeal, I was told in no certain terms, “Too bad, so sad.” For two weeks they called me 12-15 times a day starting at 8 am on the dot and ending at 9 pm on the dot. After I stopped answering my phone because I kept the numbers saved in my phone, they began calling my job and demanded that I speak with them. When I told them I could get fired for getting personal calls, they told me, "Well, we'd stop bugging you if you would pay us." The funny thing is this: I never gave them my work number. One time I called from my office to make a payment via phone so it wasn’t late and they had written the number in my account.

When Angel first called me, he demanded I pay the full amount I owed or he was sending someone to my house at 5 pm to collect the car. I told him there was no way I could come up with over $900 in 3 hours. He said that if I could come up with $100, he could stall the repo man. I explained that I needed the car to travel to work and he said, “Well, sweetie, just think: once we take your car you can use what money you are saving for bus fare.” Are you serious? Then he asked me if I could borrow the money from mommy or daddy. At this point, I was crying and said, “No, sir. My last name isn’t Hilton.” He yelled into the phone, “Honey, this is no time to be joking - you’re in a serious amount of trouble.”

I understand they are in business to make money, but to be degraded and belittled is very upsetting and to be treated with no respect was a bit extreme. I sat on the couch in tears that my 5-year-old thought that something horrible happened and called my mother from my room. My parents came over and I explained what happened. My father tried calling them and was told, “You’re not on the account, so we won’t talk to you.” Click. They hung up on him. At one point I had faxed them a letter from my lawyer telling them he had the right to ask questions about my account because I had filed a bankruptcy form with him and he wanted to get some info. They called him, my job, and myself all within minutes of each other looking for payment. They called my lawyer looking for payment. He was told, “How can she afford a lawyer if she cannot afford her payment?” So what this all comes down to was Angel was lying to me and stalling for 3 days to get a $2800 payment and then was going to hit me with fees for not paying the balance off. Even the supervisor felt no sympathy and refused to correct the situation or speak with Angel. I was told he was doing his job, even though it probably wasn’t the correct way to ask get payments or company policy.

By the way, my lawyer is on retainer with my family. I don’t pay him. Something has to be done about his company. We need to stand up for ourselves.

I'm now dealing with constant calls about my late payments and always reminded of the amount of agreements I break. My integrity is questioned. I'm told to take out payday loans. I've even been told to ask my landlord if I can pay my rent late. I got yelled at, I got insulted, I got attitude, and I got constantly harassed by the collections department within Wells Fargo. These reps act as if I own them money personally, and I'm really sick and tired of this harassment by these people. I'm constantly told different things about my account. One rep will say "This is the longest you've been late on your payment." The next rep will call me and say something different.

I now come to realize that these are the tactics of only some of the reps at Wells Fargo collections department and not all. Just recently, I spoke to a rep to make a payment arrangement for my June payment in August. Not even three minutes after I hung up from her, another rep phoned for the exact same thing; and not even five seconds into the conversation, he took the time to read the comments in my account to see a payment arrangement had been made. Then not to my surprise, I got a call the next day by Kip in the collections department. I then called the collections department to speak to a manager, who was just as rude and disrespectful as the reps.

I questioned the supervisor as to why I was still getting calls if I made a payment arrangement, and he mentioned that I was also behind in my July payments. I said I understand that but my payment was due on the 22nd and it's the 4th and that I was still trying to catch up in my June payment. He mumbled something that I really could not hear and just hung up on me. It seems these reps really try to pressure you in giving your bank account information and claim. That's the best way to stop the collections.

What is it do they make money by these arrangements? Because God forbid you don't give them the information and lock you in a arrangement that you're not sure you can commit to anyway. But you feel pressured, because you're behind in your payments. If at all possible, I'd only like to deal with these reps by mail only, and if not, I'd like them to follow the rules and guidelines set in place by the government and not just come up with their own tactics when trying to collect payments.

This went on for 18 months and one day, we got a call stating that we needed to turn the car in as my mother was not authorized to keep the vehicle. I explained that we were given an option and the representative claimed that it took 18 months for his department to get the letter I had written with the death certificate and we had to turn the car in or refinance in a reasonable time period.

I was contacted in less than a month with threats to turn the car in or else. I went a few rounds with different representatives over the word reasonable. I asked for a letter and received one that stated that my mother was behind on payments and she had to turn the car in immediately or it would be repossessed. My mother and uncle went to a local office in Jackson, Mississippi, and the office manager was just as confused as to why this was occurring after 18 months. He searched the database looking for late payments but found none and the representatives he spoke with also stated that there were no late payments.

After numerous phone calls that went nowhere, my mother decided to let them take the car. After the car was towed away by a local towing agency, my mother began to receive letters, threats and complaints that she owed money for the towing and storage fees. Once again, we went around in circles with me asking if she is not responsible and allowed to make payments, why is she responsible for any actions taken by Wells Fargo to take a vehicle that was being paid for monthly. After a few additional threats, my mom took the issue to her lawyer who drafted a letter and we received no further calls, letters or threats.

During the entire incident, I asked why we were not being reimbursed for their mistake and I was given a large range of excuses. Mysteriously, we were sent a check that was equal to one monthly payment. I called Wells Fargo to ask why we were sent the check and no one could answer the question. I was sent to numerous departments and each one passed us on to the next one in line. I found it strange that a company that size was issuing checks with no accountability.

Just a few days ago, I made an ATM deposit for $274 and some change. I have always made ATM deposits - or prefer to - since WF will make the first $100 available. If you make the deposit at a window, they will make all the funds available after midnight. So, my balance after the deposit read on the receipt "available funds: $104.43”. Thirty minutes later, I had a debit charge for $21.19. An hour later, I had a debit charge for $1.99. That evening, the account balance reflected the $100 deposit and the debit charges - around $81. The next morning, the account balance ending the previous evening read negative - the amount of the debit charges subtracted from the initial balance of $4.43, negative at $18.75. And, I knew I would be assessed overdraft fees.

The phone bank told me I was going to be. The branch where I opened up the New Mexico account said the same thing, although two other branches felt I should not have received any OD fees, since I made the charges after I received the initial $100 credit. The issue escalated really bad at the opening branch. I left with some pretty harsh parting words. After some hunting around on Google, I came up with numbers and addresses for Wells Fargo corporate offices. I got a very nice number and the person answered with "executive offices". I explained to him my problem. He looked at my account and saw what had happened. He also mentioned, after some researching himself, that in New Mexico, the charges should be deducted and deposited in order of occurrence. He gave me his personal line and full name and said to call him the next day if the OD charges are assessed. He said he would reverse them.

I asked him if he has the "power" to do that, since the opening branch refused. He informed me that WF is tightening up. The branches are in competition with each other to make profits, and that is why they are not reversing fees, but those in the executive offices have the authority to override the branches, and will work with the customers since the problem escalated to the executive offices, that is, the customer made the attempt to take it there. It's not over yet; I still have to phone him tomorrow in case the fees are assessed. But, even when this has settled, I am closing the account, after 9 years with this bank.

With few exceptions, most of their employees are very young, do not have much education behind them, and they will not work with customers. I want all WF customers to know the number to the "executive offices" when they have a problem. This way, they can work around the idiots who work at the branches and at the phone bank - the young, uneducated, unprofessional children - who only suck up to their employer and engage in the same practice of ripping off the customers. That number is 1-866-249-3302. Just remember the etiquette in talking with the "executive staff" - be nice, civil and professional.

They seem to want to work with customers. It also helps to call them hours after the initial problems, and maybe after downing a drink of Scotch and water. Being calm and civil with these folks gets you a lot further than being even nice to the clowns who work at the branches and the phone banks. Also, the corporate address is 420 Montgomery Street, San Francisco 94104. I was also told by this office that the branches are tightening up and wanting to make as much profits as possible (sure, they have to prove to the government now that they can remain solvent). This info came from that person at the executive offices. I'll know the outcome after tomorrow morning, but, the experience has been awful.

I have 1 credit card which is a Visa through Wells Fargo as well. I pay the balance monthly, have never carried over a balance from month to month in six years. I do believe I am being targeted because I am a widow, age 64, and the bank must expect me to kick off soon, or maybe they are trying to hasten my retirement? I do not plan to retire any time soon as I am in perfect health, and have been since childbirth! I do not know what I would do if not go to work every day. No reason to quit. I went to the bank and asked a loan officer why the bank deemed it necessary to eliminate my credit. The loan officer informed that because I had never used the full amount of the credit extended, the bank took my line of credit to give it to someone else that needed it. That is the stupidest thing I ever heard. No one asked me.

When I needed $7,000 to buy a car, I could not get it. I would have to reapply for a line of credit now which after much discussion, I agreed to do. I was to hear whether the loan was approved within 5 hours, via phone call or email. 4 days later, the request was denied because I did not supply the required documents. I do not know what documents they refer to. Certainly, my house did not go down in value to $50,000 since I paid $134,000 and put approximately $35,000 in improvements into it in the last 6 years. I still owe $24,000 in that line of credit they have now restricted, which is still owed on the improvements I have made. It is really strange that since I paid $2,000 toward the principal balance owed in March and April, I suddenly become financially unstable and delinquent.

By the way, this account has been closed for some time yet these fees continue to show up as new purchases on my statement. In addition, I had faxed customer service a hardship letter with a reply that they currently do not have a plan for business lines of credit. The total back owed considering they said all back fees owed had been removed is around $2k and not $4k. While sitting with my Wells Fargo branch manager who by the way was witness and upset to Royce hanging up on me, we were told this amount was so high because it included $1,100, I was over my credit limit? This is wrong! Bail out these crooks, now way. I now have refaxed them my payment schedule and the only good news is I don't owe a payment for a year. Please remove all you money from Wells Fargo as this can happen to you! Didn't you read page seven of your original agreement? They claim it gives them the right. I have yet to see the copy I requested! BBB complaint filed!

There was nothing she could do, and I am still waiting for it to be put back in. So they laid me off and took all the money I had in my account. I used to be a fan of Wells Fargo, but once I get stuff straightened out, I am pulling every account out that I had with them. I've heard too many crappy stories about them. I do not trust big corporation banks anymore; I am going to a local bank. Screw this.

He congratulated me on the new modification and told me not to worry and no payment was necessary until July, if I made the $847+ payment by the end of the week. It took all my paycheck and more to make this payment, but I was relieved to have them work with me. Why would he congratulate me if I was not approved? I failed to see the logic here. The next month, I received a statement saying they were seeking to accelerate the foreclosure process. So I called Wells and talked to another rep and she stated that I had been denied because they could not contact me. I am not sure what that has to do with anything. The gentleman I spoke to in April made no suggestions that Wells would try to contact me about this loan modification. I received no email, no delivered mail and no phone message stating such thing. So she suggested I re-apply.

This time, I did it via mail so I had a record and told Wells to no longer contact me via phone since that form of communication was not working. I am still waiting on the process and am in the process of contacting a law firm to help me with this situation. This is not the first time I had Wells turn their back on me and most likely not the last time. With all the bailouts, when does the average Joe see any benefits? Caveat emptor!

I am extremely upset over the fact that I was not notified prior to this action being taken. Had I been notified and given a chance to use, I would have. I was specifically told by a representative of Wells Fargo that it would be ok not to use the card and only keep it for emergencies. I was fed false information. I do not feel this was fair in any way! When I requested my credit card to be restored, I was told that another credit report needed to be run! They had already performed a credit check and approved me. I do not want another credit check as this will only hurt my credit score! I want my credit card restored.

Even after finally removing my money from the funds, she later refused to close my account after I requested it be closed. Without my knowledge, I was receiving statements at my old address after I moved to another state. My account was not closed until 11-2-06 after I insisted once again. A Wells Fargo rep said the account was reopened with interest was paid. I don't think it was ever closed. There would have been no interest if the account was closed as requested.

May 7th, I received a letter from Wells Fargo auto finance. Even though I did not agree with their payout figure as it has been constantly changing, I paid $1061.62 on May 18th and another $1000 on May 23rd to finally be rid of these scammers. Imagine my surprise when I received an invoice for $252.75 in my mail that I received on June 9th. I called their office today to have this reversed and the original arrangement honored to no avail. I spoke with their customer service and their payment department. Their payment department informed me that this figure is now $281. I have always paid this account on time and I am sure that this same thing is happening to many consumers out there.

I hope that you are interested in doing a report on something like this as misbehavior of any lending institution especially given the events of the last 12-18 months should be a hot topic for many. I know that if you chose to pursue this, that someone out there may be forced to do something about regulating these individuals. Yes, I have a call into my member of parliament as well. I do expect to receive more documentation and many more calls about this issue and I will not let it rest until my voice is heard and I stopped them from treating others in this fashion. They are threatening to impact my credit rating. I have had to spend countless hours researching this issue of which I can ill afford as I am working 3 different jobs due to the downturn in the economy. It is hard to put a dollar figure to it but this matter may have cost me thousands of dollars.

I had a balance of $133.42 at the start of the day on 6/6. On 6/5, I had transactions in this order: $63.80, $25.00, $32.26, and $8.95. On 6/6, I had one transaction for $62.50. Now, on my statement, all of these charges from 6/5 and 6/6 were applied to my account on 6/8. Then, to boot, they were applied out of sequence to maximize the overdraft charges.

If the transactions were applied in the order they were made, only the last $62.50 charge would have overdrafted, bringing my balance to -$61.59, but they were in fact ordered in descending order from greatest to smallest so all the small transactions were on the tail end and overdrafted. This caused me to get three $35 overdrafts instead of just one.

Obviously, we all are in hard times, but $105 in fees for what should have been just one overdraft is ridiculous! This is not the first time this has happened and I'm sure it won't be the last.

I asked the representative to stop calling my phone all day. They stated it was going to continue, until I made another payment. That means every day of my life, my phone will continue to ring. I finally got tired one day, and told them to come get the car. They said they don’t do that. I told them I would drop it off at the dealership. They told me not to. I can’t believe Obama is giving our money to them, and they aren’t helping us.

They don’t even have a loan modification program, so it doesn’t even matter if you can’t make the payments. I pay $1,210 a month. Now, they are charging me $1,565. That’s crazy, and they won’t refinance! I’m tired and fed up, and I feel like I am set up for failure with this company, like many others. I started taking anti-depressants. God bless America, because right now, many need it. I've been to the doctor numerous times, and started receiving treatments. My body isn't in good health. I am suffering from panic attacks, and I am also disoriented. I'm jumpy every time my phone rings. The representatives are mean and disrespectful. They are like stalkers. They constantly keep harassing you.

On 5/22/09, I did have my husband call Wells Fargo Auto Finance back to make arrangements for payments, as they did not want to make arrangements with me at the time, unless it was the full amount due. On 6/1/09 at 9:11 am, I received a voice mail message from 1-800-692-9191 ext 41562, at my work. When I Googled the 1-800 number up, it states it is a call from "Wells Fargo Auto Finance".

Wells Fargo Auto Finance is persistently harassing me even after arrangements to make payments have been made. They were told not to call me at my place of employment, which was requested on 5/22/09 to have my work number removed from their list. But on 6/1/09, I received a message in my mailbox at work to call a 1-800 number, which I found out via Google to be from Wells Fargo Auto Finance.

One day, I was on the phone with several operators for well over an hour, trying to get someone to talk with me, and finally, an operator by the name of Kevin, hung up on me when I kept asking him questions. Wells Fargo may attempt to repossess the vehicle for this missed payment in 2006.

I went back to my bank and tried to return the stamps for a refund. They advised that I had to pursue the issue through the 800 number on the back of my check card. The first person at customer service was polite but advised that yes, there really was a nine cent a stamp transaction fee and no, I could not return the stamps for a full refund. The main screen offering the selection of buying stamps makes no mention that there is a transaction fee and the screen soliciting the purchase of stamps during ATM transaction processing does not mention that there is a transaction fee. The screen that offers different amounts of stamps for sale does not mention that there is a transaction fee, only on the very last screen requesting confirmation of the purchase is there any information that there is a transaction fee.

The cost of purchase and the request for confirmation is in big letters and the information that the purchase price includes both the cost of the stamps and a transaction fee is below that in smaller letters. I think the way Wells Fargo markets stamps at its ATMs is deceptive and predatory. I wrote Wells Fargo that changes be made immediately to the screens shown to the customer so that every time there is an offer to sell stamps, there is also a prominent statement that there is a service fee for such a purchase. That was in March 2009 and no change yet. No surprise there. Very disappointed.

Anyhow, we have kept in communication with them since the layoff. Always keeping positive that we would find work, we continued to make our payments out of what savings we had. But we have finally reached the end of that. We have not been able to make our payment this month. Previously, a Wells Fargo representative, Erica **, told us that we would qualify for a 2-month extension on our loan since we have a good payment history. She said that this could give us some time to find work. (At the time, we were applying for unemployment.) She said that once we could show that we had some income coming in, even unemployment, they could do the extension. We decided to put off the extension until we really needed it, still being positive that we would work things out.

Well, my husband found his job, but it still pays too little to cover the payment, so we called them up again and tried to apply for the extension so we could find additional work. We spoke with someone else this time. The answer was, "No!” I asked if they could do a loan modification and their answer was that they "didn't offer a loan modification." All they offered was a refinance, which our vehicle didn't qualify for because we were upside down. They then told me to try to borrow the money from someone to make our payment. They also told me to hit up Salvation Army for money to pay our utilities so we could use our utility money to pay our loan payment. I asked what the next step would be and if they would accept the vehicle back. They said that it was not their policy to accept vehicles back voluntarily.

So basically, we feel like we have been set up to fail. Wells Fargo is not willing to even try to work with us. They don't want to help. Why is it that every other bank offers a modification and Wells Fargo doesn't? We were even able to modify a personal loan at our local credit union. So why can't a large bank like Wells Fargo modify a loan? This really stinks, especially when you are one of the good ones that actually cares about your bills and pays on time. There are no rewards for a good payment history. It does not mean anything! Wells Fargo really needs to work on showing some courtesy and at least acting like they care. If we ever get out of this, I will never, never, never, deal with Wells Fargo again in any way!

I then asked to speak to a supervisor. Instead, I got the person who apparently was the rep, leaving numerous messages for me to call a number back at my workplace. They didn't mention the name of the company they were calling from, just the name of the caller and the phone number. If you call my work number, the voicemail message clearly states if this is a personal call and not an emergency or a call pertaining to my job, "You will not be called back." Anyway, this person was extremely blunt and persisted on wanting to know why I didn't return any of his calls back. I explained. He also wanted to know the dates/times our phone was out and not working. He was totally going off the track of what I was actually calling Wells Fargo about.

Then he persisted to tell me that my vehicle is on the repo list today scheduled to be removed today. I received Wells Fargo dated US mail letter 5/15/09 on 5/21/09. At that time, I was so emotionally upset of explaining to this guy why I was behind and why I wasn't able to call him back, and why I am trying to set up and make payment arrangements with them to get caught up. He just continued to be remorseful towards me, telling me they are going to take my car. I finally told him I had to discontinue my call, because I was on my lunch break and needed to return to work.

I told him that if they won't help me, then I will have my husband call them back because he is off from work today. He didn't want to hear that. Instead, he wanted me to hold on. I told him I can't hold on, I need to get back to work and I will have my husband call him. He told me to have him call the repossession department. I thought fine and hung up. My husband called Wells Fargo later that day after I told him what happened. He had no problem setting up arrangements for payments.

I don't think as a working American that is trying hard enough to make it in this struggling economy, I should be treated this way - like a heal, deadbeat that is behind in payments. I called to make arrangements to get caught up and all this guy wanted was to egg me on about why I didn't return his phone calls, then threatened me that my vehicle was on the repo list today ready to be taken today. Please Consumer Affairs, if you can do something to help us, please help! Come on Wells Fargo, where's your heart? You got bailout money from the government that I'm paying for.

I talked with my son and he told me that when his workman's comp check comes on Saturday, he was going to get it paid. He told me that they are calling everyday because he refused to make a prearranged check withdrawal on Saturday with them in case his check did not get here. He said he told them that as soon as his check gets here, he would pay them. But they continued to call every day. Friday night, sometime after 10PM, I heard a noise in the driveway. I looked out to see what it was and there was a tow truck near my son's car. John went out there to talk to the guy who wouldn't let John get anything out of the car, but finally did hand him some of his medication but took off with everything else including my handicap hang tag for parking. The next day, John called the number the fellow gave him and they told him it would be over $2,000 for him to get the car back. Wells Fargo never contacted me at any time about this.

On Sunday, I called an 800 number and the woman I talked to told me that they had called our house and they did not have to talk to me. I needed to ask my son why they were calling him. I asked them why they never sent me a letter telling me that John was behind. She told me that they don't have to do that. She told me it was up to me to call Wells Fargo to find out where my son was with his payments. Had they sent me a notice that he had missed the first payment, something could have been done to keep the account current. But there is no way we can pay them $2,000 plus at this point. They never contacted me, but they have contacted both Experian and TransUnion and reported that I have missed all these payments that Wells Fargo did not even tell me were missed.

I eventually called back to our current branch again and was told that the error was in my favor and the fee was returned but from now on, I need to be more careful at my spending. When I had another problem, I was told by some girl probably 19 or 20 that I need to get another account to pay my bills and I wouldn't have these problems or get overdraft protection. I told her that I will not pay $10 and up to transfer money from my savings to checking. She said oh well and hung up on me. Their complaint line, if you can find one or get through, is constantly busy or rude. What I find strange is that it takes 5-7 business days to let me know I'm being charged a fee or there's a problem with an account, but they get and post their fees before my direct deposit even posts. They're a bunch of crooks and they're snooty about it!

The unacceptable part of this is that when I checked the account the night before, the smaller charges had already been posted to my account. Wells Fargo still placed the larger charge in front of the posted smaller charges so they could get the 11 overdraft fees. I spoke to many representatives at Wells Fargo and received little if any help. I tried to contact the corporate offices. They will not tell you what the phone number is or where the offices are. They will only give you a post office box in Portland, Oregon. At this point, there are over 25 overdraft charges of $35 a piece and after talking to many supervisors and managers, I can get little if any reduction of the charges.

I expressed to one of the bankers, named Sara, that it was ridiculous that I couldn't get my money. She raised her voice at me and said, "If you'd let me speak I'll tell you why. " I also expressed to her I didn't want to talk to Lost Preventions anymore. I just wanted my money that was in my account but was pending. She told me, no, and proceeded to have an attitude with me. At this time, I then told her I wanted corporate’s number. She then told me she didn’t know what corporate was as if i was stupid. The manager came over and got an attitude too, and I told the manager that all of that was unnecessary and I was done talking. I just needed corporate’s number. The manager gave me Lost Preventions number and told me that was the only number they had. I told the manager that I was offended because they were playing on my intelligence so then they gave me a Karen **’s number ** but this wasn't corporate’s number.

Lost Preventions had called me 10 times back to back and like I've expressed to them I was not going anywhere. I have my direct deposit going there. Lost preventions had stated to me that I needed to pay Wells Fargo before there's a problem. I take my money and threats seriously, among many other things. This needs to be dealt with or they need to be closed down. This service was poor and as soon as I can I will never bank with Wells Fargo again and that is a guarantee, and every friend and family member’s friend will know not to bank at Wells Fargo either because of their horrible service.

My daughter worked part-time last summer and opened an account with Wells Fargo. She was charged eight dollars every month to maintain that account. I told her to close that account since she was being charged for keeping an account after she quit her job to attend school. I became very upset when Wells Fargo refused to honor my one time request. I walked over to Wescom Credit Union and they were kind enough. For being a loyal customer, they made an exception to cash my daughter's check this one time. I followed up by calling the Chino Hills Branch and spoke to Maryann **. I explained what had just happened at that facility. Maryann **, branch manager, insisted that they could not have made this one time exception for me.

I feel that Wells Fargo does not care about its customers and is not interested in helping its customers - only themselves.

I could barely pay the fees I just paid and they want to charge me more fee. I'm trying to do the right thing and bring my account current and then close it but Wells Fargo won't let me. It's sad that they have so much control over my account. Since when do banks put a hold on cash anyway? I will never recommend anyone doing business with Wells Fargo Bank. It's sad that the little people have no voice and get taken advantage of by big corporate companies.

I called their number and spoke with a rather testy female representative, who told me that the charges were levied by the State of Oregon, and that customers in most other states are not charged that fee. She said that two more $5.00 charges were pending. She tried to convince me that the State of Oregon was requiring them to charge me, but when I asked her if she meant that Wells Fargo was making the charges because Oregon allowed them to, she said, "I guess so." I asked that she cancel my account immediately, but she said that she could not do so until a positive balance had been restored. Wells Fargo knows fully that most people are paid at the end of the month, and they are literally robbing their customers. There is no legal justification for these fees. For an overdraft of about -$15.00, I have so far been charged over $85.00 in fees, and I cannot add money to this account until the beginning of the month.

Following the conversation, I contacted the Consumer Affairs reporter at one of the local network affiliates here in Columbus, Ohio. I explained the situation and played him the audio from the call. After explaining to him what had transpired and pointing out that Wells Fargo Bank had already received $25,000,000,000.00 (that is $25 billion) in bailout money from taxpayers, and explaining the lending practices, interest rates, etc; he has expressed a strong interest in doing a story on them. I will be meeting with him next Wednesday to discuss what they are doing and he thinks that they can be brought under fire for what they are doing. He feels that an expose on their practices can have a serious impact on what they are doing, and that the story of what they are doing does have a potential for full network coverage - if enough examples can be provided for what they are doing, it would be a great help.

Even if this doesn't stop them in our local market, which is very substantial, it will put pressure on dealerships to stop using Wells Fargo Auto Finance as well as other predatory lenders as a source of financing (at least in the local market in Central, Ohio). This is a large market and if the only way to hit a company like this is in the pocket, this should do it. I am asking for your stories regarding Wells Fargo Auto Finance in particular since they are tied with 2 other banks that have received more federal tax dollars for bailout than anyone else, and are engaging in the exact same practices that have helped lead to the current financial problems here in America.

This is a real chance to change them. Please send your stories to **. I will review and submit them to the reporter during our meeting next week and will send out responses to all with regard to the story and its progression. I will be posting this to every board I can find and should you stumble across one that does not have it, feel free to post it there until May 5th (I need time to get everything together before my meeting). Thank you.

Please email me with similar experiences. We will get our money back!

A hard hold was put on my accounts and I cancelled my credit and debit card. They told me that I would have to go into the branch the next day to open new accounts and follow-up with a personal banker. The next day, I went to the branch and spoke with a banker. I told her what I had found online the night before. She looked up my account and told me that the transfer from my savings to my checking had taken place in a branch (at this time, I'm thinking I'm totally a victim of ID theft and that someone has all of my information). So the banker called the branch in Utah where the transfer took place. Here is the story I got:

Apparently, there is someone in Utah with the same name as me (different middle names, but same first and last). Her first name is spelled one letter different than mine. The teller knew this person and pulled up her account by name (not asking for forms of ID such as a driver's license or account number as the Wells Fargo policy states the tellers are supposed to do. Instead of pulling up her account, she pulled up my account; made the transfers; posted the money to a delinquent Wells Fargo auto loan; and referred the other Crystal to a personal banker to request another debit card because she had lost hers. The personal banker pulled up the same account as the teller made the address change and requested a new debit card without asking for any ID (Wouldn't you ask for ID if you were changing an Oregon address to a Utah address?).

So luckily I caught everything in time before it actually left my account. I took as much money as I could out of both accounts (they wouldn't let me close them because of pending fraud investigations), took the money over to a credit union where I have an auto loan and I will be banking with them now. I can no longer trust Wells Fargo and their lax business practices.