Wells Fargo Reviews

Well, 6 months into it and they will not consolidate any of her loans which have now reached a ridiculous amount of $72,000, bringing her total debt to over $100,000. She has tried everyone in our family as co-signors and not one was good enough for Wells Fargo standards or anyone else's for that matter. They want almost $800.00 a month from her, which can change at anytime due to the variable rates on some of the loans. I am not a credit worthy as a co-signor nor is my Husband, Father, Father-in-law, and son according to Wells Fargo. I think they were never going to let her consolidate, ever!

I always honestly believed that education would mean opportunities and financial freedom. She is filled with anxiety and doesn't understand what she did wrong to have to start out with such a heavy weight on her shoulders. I know there are thousand of young adults in the same boat according to all the research I have done. I wish I could go back in time and been more educated in the student loan process so maybe I could have figured out a better way to borrow money for school but it is too late for that now. Wells Fargo has no intention of helping student loan borrowers with consolidation. They SUCK!

Today I found a Van that meet the criteria to get the loan and he tells me I need a Co-signer. The problem I have with this is I have banked with Wells Fargo for 8 years or more, why would you waste my time to look for a car and meet the criteria and you tell me I need a co-signer 3 weeks after you tell me I can get the loan. I spent my time and money looking for this and all he had to do is tell me that my banking business and loyalty was not enough due to my credit score and history. I burned the bridge at Concord and now I don't even get to get the van that I searched high and low for to meet Wellsfargo terms. Christopher ** out of Minnesota, be honest to customers and do not lead them on. Talk with your underwriter prior to sending out pipe dreams. One more question, is it because I am black?

When I contacted the bank to fix the problems that they are sourced told me to use comma. Even though my banker know I only applied for a two-year contract, he changed his tune. I assume, after he got yelled at by the branch manager for standing behind me as a customer... That is the only reason I can think that the banker went from being on my side to not when it came time to cancelling the contract. The visa company called me back 3 times in 2 months and never bothered to tried to fix it because he made off with over 3-4 thousand commission. After using the bank for 16 years, I am no longer keeping the bank as once you steal and lie to me using my money, you're no longer trusted. I am in the process of pressing criminal charges to the police department for fraud.

But I checked now before I could not check, that did not go down and I was missing $44k so bought stocks in the '90s and out of Courtesy, I called the Banker assigned to me, left a message what I did and my account # . He intercepted that huge Profit by claiming that I had let a message For that idiot to buy but I did not! This last one in Houston claimed I was taking out $700 a week transferred into an Unknown account, opened by a Woman At Wells Fargo - no signature along with a signature taking out the $650 twice a week with a Fake Signature.

I am supposed to file with the FCC or another alphabet agency. Now I have all dates and copies of this fraud. I was told all were fired for stealing money from Accounts but none went to jail and Wells Fargo refused to look into this. They actually hung up on me when I finally found out at least one Banker name listed as opening the mystery account, now solved! WHO do I call, FCC? FAC? FCCA? Yes, a bit confusing. But this cost my Son his life because my money was gone!

For the past two months I have had a $10 service fee on my statements, even though I've had the automatic transfers set up for over a year. I am on the phone with a representative as I type this; he knows absolutely nothing about his job. He keeps leaving and putting me on hold to go ask questions and has told me twice that I'm wrong and that there is no automatic transfers set up, even though I am looking at them on my online account as I talk to him. I have never had an issue with this until the past two months and I didn't change anything. The customer service representative is now telling me he is unable to refund me the service fees even though there was a mistake on their end. I am closing my accounts.

The Wells Fargo fraud rep was nasty and said that I will have to find another way to receive my money. I told the rep, "I have not called to complain. I just needed to reset my password." I never called because of fraud. But the Wells Fargo rep took it upon herself to do all the investigation and mess up with my account. She said it was up to the discretion of the investigators.

The following month on May 1st, I checked to see if my direct deposit had cleared online. It did as well as an overdraft fee of $35.00. What the **? On top of that my Visa Check card was no longer usable. The bank never emailed me, sent me a letter or anything!! I called customer services & they were of no help what-so-ever!! The only thing they said they could do was refund only half the overdraft fee!! They told me the overdraft came from the CAPCOM payment. I told them that was bull crap because it was pending still & I left extra money in my account to cover all charges I placed so as to prevent any overdraft from happening!!

I then asked them why they would allow CAPCOM to place a charge on my account when the funds are not there!! They said I placed the order that day. I said bull crap, I placed the order back on the 28th of Feb. not Mar. 31st knowing the money is not in my account much less never receiving any items from that purchase!! He still keeps claiming the purchase was done on the 31st of March. I asked for a refund of the overdraft fee. He said he could only give me half. I took the half refund which was a big mistake, I should have waited & tried at the Wells Fargo bank in town!!

When I went to close my account down yesterday on the 18th of June, the woman I spoke with there said she would have more than happy to refund me the full overdraft fee. She also said she has heard a lot of complaints people have had about the 1-800-customer service line so she tells people to never call them but to always go into the nearest branch office instead. Since gas is so expensive, I try not to go anywhere unless absolutely have to. I already had opened up a week earlier with the Credit Union because of what Wells Fargo had done to me!! Wachovia never treated me like this!! I was with them for 14 Years!! Also not to mention the wacko crazy woman I dealt with on the phone after trying to get my refund kept having me repeat things over & over again & she would just laugh & say, "Oh yes I see it here on the computer & oh yes it's right here." No professionalism what-so-ever!!! ** Wells Fargo, what goes around comes around!!

I hung up and redialed. Guess who? Yup. The hormonal, big thinking, sarcastic, bubble yum girl with the monotone voice. There was no inflection, enunciation or emphasis placed on any word. I seriously couldn't tell if this chick was asking me a question or voting for the next "idol voice" person? After trying to get past her, which was more difficult than navigating gravity hill with my brothers kids, it occurred to me I was not going about this the correct way. She was not intentionally being nasty and horrible, it's all she knew. What I needed was to find someone more ignorant and less intelligible than herself. Lucky for me my room mate had come home from comic-book / dress up time earlier - alone, but with a serious outfit on. Dude speaks a different language, or hell maybe three I'm not sure.

I was able to coax him to the phone after explaining myself to bimbo bubbles in front of him. I told Ms. Gumstock I would need to put on the guy who I owed money to if she couldn't help me. Nothing, crickets, this was a perfect example of darwin being right. Nonetheless she sounded like she was well into lunch, so before giving her my roomie I asked AGAIN for the manager (apologies if I forgot to mention that earlier) to which she mumbled, "uh-uh". "Are you ** 6" was my response? Nothing but more bubbles/chomping/pop, then repeat. So, on went my roomie. Dude may be one of the biggest nerds in the history of inter galactic network programming, including that Sheldon dude. Is he for real? An almost 40 dude still doing NOTHING. SO, on went Spock or doc or Isaac or Julie - but he/she is the ultimate antagonizer.

Through aggressive voice inflections and the occasional "I'm not as smart as you" in the same pathetic monotone stupid delivery - he bonded with the beast. It took a few minutes and I was ready to just go down to the branch Monday morning in a Ryder truck, which once parked I would run away from swatting the very real bees away from me (hello feds). To my surprise he was able to get most of my fees refunded and made sure she did it right there. Then, dude had the stones to ask for interest (compounded no less) which he would have possibly received if this gum slapper had a clue what interest was (outside of a goth D&D convention - with gum and sparklers). Wells Fargo, when this institution was First Security I knew the tellers by name, as one of them was a friends mom.

I knew people at all levels of Management and took all my loans there as the extra dollars I paid in interest over a Credit Union was nothing to the service I received. Wells Fargo people, feel free to realize you are putting yourself out of business hiring ignorant, mean people to answer the phones. Screen them and send the dumb ones back to digging ditches or whatever they do. I have read on this site how many people there are unhappy with your institution. Oh yeah, I read about 10 or so and there was NOT ONE positive comment. Sucks to be you, especially when those of us who don't like your place pull our money out to go elsewhere. Getting them loans there at that other place as well. B of A - Chase - CU or ? Yes to one or something like them. You guys are horrible and you don't give a hot **. Good luck twirling that sign in the costume on the corner, it's hot inside of them there feathers. Thanks for allowing this post to be published.

This is the only credit card I have (did have), my truck paid for 2 months ago freed up $680, that was the last time I applied for credit. My report is the same as it was when I open this up, she had told me, once they close it, they cant reopen it. I had a $2000.00 available credit, I was paying it down to replace the other 1 that went out 1 yr later. I can't believe they would do such thing, I think that I'm doing good for someone that just lost their twin sister & mother in a 2yr period. THIS MAKES ME SICK.

She said she did not know when ** would be back so I asked if someone else in the branch could help us, because My daughter had called the toll free Wells Fargo Bank customer service number and was told by a Rude female Rep, on the phone that the branch could only help to credit back the overdraft fee. So then she said she would find someone else to see if they could take a look at my daughter's checking account. The Rep ** went over to **, Assistant Store Manager Loan Officer, at Wells Fargo Bank McCarran Blvd branch Sparks, NV 89431.

** introduced himself as we were sitting down at his desk and before we had even went over to his desk (approx. 1 hour later after arrival at the bank), my medical condition (Type 1 diabetes) Hypoglycemic started dropping rapidly and put me into a seizure state in which my daughter was getting upset because of the long time frame it took Wells Fargo Bank employees to JUST help with my daughter's situation. As soon as we were seated at his desk, he was immediately not very willing to help with looking at my daughter's checking account. He seemed to not want to help take off the Overdraft fee of $35.00.

My daughter will now put her account of the situation. So after ** said he could not help with my account, I had looked over at my mother. I noticed her eyes were getting glassy and she was not speaking clearly and I had noticed that ** was mocking my mother's unclear speaking and making very rude facial gestures at her. I had mentioned to him that my mother was going into diabetic shock and that she did not know what she was saying at that time. So then I had asked him if he had anything sugary like candy and he had a Tootsie Roll on his desk that he picked up and shoved at my mother and then again made another rude facial gesture and said, "HERE!" very sternly.

I also had asked him, "Did the bank have orange juice or any kind of drink with sugar in it?" ** then abruptly laughed and said, "This a bank. We only have water here," then laughed once again with a smirk on his face. So then I asked ** if he could call a paramedic out to the Bank and he then proceeded to laugh once again and said, "Why would I need to do that for? I'll just call security to escort you out." Then during my mother's hypoglycemic episode, he had asked in a very sarcastic voice, "So how was your Thanksgiving," and that was the last thing on my mind at that moment.

He did not seem to have any concern or training about the medical situation that was going on at the time. My mother had said to him that, "All the branches can't do anything to help us." My mother couldn't even speak clearly because of her hypoglycemic. He had said that there is no managers that are above him that we could speak to about his unconcern state of mind about my mother's medical condition at all. I even let him know once again that my mother was not aware of what she was saying because she was having a low blood sugar and he again then proceeded to say he was going to call security once again to have us escorted out of the bank because he had said my mother was being disrespectful to him. Then had walked away from his desk.

So then my mother had walked over to the Rep. ** Business Banking Specialist's desk in which was directly behind ** desk (** is also a witness to what had occurred) and asked if we could sit at his desk to get her glucose levels back up and back to normal again. My mother had told ** that "** is a mean person." ** was very professional about it and said "Yes of course you may." My mother and myself ** were seated at his desk. He said he would be more than glad to help us out and that he has a family member who also has Type 1 diabetes and he knows it's a difficult disease to control. So he immediately walked to the front desk in the bank and picked up several candies for my mother and handed them very politely to my mother and by this time my mother's glucose was slowing rising back to normal levels in which she could speak a little more clearly and understand more of what was going on.

He looked up my account and took his time and explained everything very well to us and while he was doing that, the bank manager ** had walked over to his desk all the sudden (after ** had told us that **, The Branch Manager, would not be there until Sat. 11/30/13 or Mon. 12/2/2013) and she did not even acknowledge what was going on or even asked to see if my mother was okay or not. ** did not seem too concerned about my mother's medical condition or if she (**) could do anything to help. So then ** proceeded to take a look at my account. She was not even on the same page as **, my mother and myself. She was looking at a totally different page as to what my mother and myself had previously came into the bank for. Even *8 had mentioned that ** was not on the same page.

** did not explain anything to me and was no help at all or even concerned about anything. Only thing she did was print out a bank statement and highlighted a completely different transaction than what we, my mother and myself had came into the bank for in the first place. Then she had walked away and went to the front desk to where ** was standing. Then at that time, my mother's glucose levels were rising back to normal. Approximately 3 hours or more later. My mother and I had proceeded to get up. We shook ** hand and thanked him for being professional, considerate, and kind-hearted about my mother's medical condition in helping her get her glucose levels back at bay so we could leave the bank.

** was the only person at the Wells Fargo Bank on McCarren Blvd. Sparks, NV 89431 that really showed empathy towards my mother and myself. He should be commended and awarded for his kind showmanship in representing Wells Fargo Bank in helping the ADA act be such a success in the Business and Professional World!!! Since this had occurred Wells Fargo Bank in Fernley, NV has added numerous overdraft fees ($35.00) to my account. I have spoken to the customer service #s at Wells Fargo Bank and have been inside the branch at Wells Fargo Bank @1400 Newlands Dr. E. Fernley, NV 89408 not to overdraft my account if I do not have enough funds in my checking account, not to add $35.00 overdraft fees and to decline the transaction but no one at Wells Fargo Bank will listen to me.

I went to the inside bank in Fernley, NV spoke to **. She didn't have a Wells Fargo Bank card to give to me but she told me that she would lose her job if they took off any fees from my account or she could not block my checking account from transactions on my account even if I don't have enough funds in my account to cover the transactions. I ask for the branch manager. She said his name was **, branch manager 1400 Newlands Dr E. Fernley NV 89408, but she said he was out sick and she did not know when he would return, so I asked her if there is a manager or rep. that is covering for him. She said No one was in charge while ** was out.. Then she told me that ** was on vacation or either out sick and could be back tomorrow, next week or next month, that she didn't know when. She couldn't even tell me a phone number for her district office with Wells Fargo Bank or even how to spell her supervisor ** supervisor's name ** (not correct spelling), I'm sure!! I even told her that I have already opened an account with Bank of America in Fernley, NV and that I wanted to Close my Wells Fargo Bank account but she said she could not take off any fees in order for me to Close the account.

The lady tried to tell me I was stupid for thinking the check would clear simply because the funds were there when I wrote it. I explained to her I knew how a checking account worked and I was not stupid. After some time of trying to find out what happened, they returned my $35 fee but the check was still returned. Thanks WF for nothing. Oh and... we had been getting stuff in email and mail asking us to open a savings account with WF, so we went online and applied. We were denied, even though we have the checking account. Don't worry...BB&T likes our money and we like them.

I immediately called the fraud department at Wells Fargo to tell them that those activities did not belong to me.. It took them barely 20 mins to tell me that the person had my PIN number, that they had in fact a video of that person who is a white Hispanic male when I am a black woman... It took them 20 mins to dismiss my claim and tell me that they will not process it and it's too bad for me... How is that for protecting your clients? I feel that anyone can come and rob me and as long as they can have my pin it's too bad for ME? This is not right! I am out over $2,000 without recourse.

Then, they sold my vehicle at a private sale, when due to the age of the loan (bought in 2009, almost paid off), for $5000.00, $1500.00 less than the buyer I had lined up! That was 1800.00 less than blue book trade in value! Then, they came back and said I owed 2800.00 over the amount of the loan. They put a balance of over 7000 due on my credit! I am disabled, and they took my transportation away because I caught them breaking the law.

You see, I am a Registered Nurse, and worked in surgery for several years, and of course was exposed to every bacterium around. For the first 6 months of this disability I received short-term disability, which although in itself was much less than my salary, we continued to pay our mortgage to Wells Fargo. I must mention here that my husband, Tony **, has a great job with the St. Tammany Parish Government, in the Water and Sewer Department; however, his salary is much lower than mine, was equating to a 60% income loss. When the disability payments ended, in November of 2012, I called Wells Fargo and informed them of our situation, and of our inability to continue paying our mortgage at such a high note. It was at this time that I first asked about the HAMP and other programs. I was told that nothing could be done until we hadn't paid a note for 3 months. And then the cycle began.

I was shuffled from representative to representative. I was misinformed and misdirected time and time again. My home has been up for Sheriff's Auction on numerous occasions. I have spent countless hours talking on the phone, filling out documents, and praying that a lock would not show up on our door at any time. And during all of this time, I was undergoing treatments for my illness, which made me extremely ill. In May of 2013, I underwent a surgery in which numerous biopsies were performed and lymph nodes removed. I truly believed that the treatments were successful and life would return to normal. I was wrong.

Each and every biopsy came back positive for MRSA. It was at this time that I was informed that I could not work as a nurse again, or in any position, as long as my illness is present, and treatment being taken. Again I called Wells Fargo. And the cycle began again. At some point we were offered a trial payment program, with a note that was perhaps $150 less than our previous note. I refused this offer because I had used numerous calculators, all with the same results, stating that our note would be much lower than this. I was bullied, laughed at, and informed that I was wrong and would never be offered a lower payment option. I was told that if we couldn't afford that note then maybe we should not bother trying to keep our home.

But, you see, I did not give up hope, for 2 reasons. The first being that I am in the process of acquiring disability, and the second being that I have read the guidelines for the HAMP and other programs making loans affordable for homeowners over and over again, and I know we can afford a modified note based on my husband's income. Again at some point, please excuse my memory lapses but it has been a bad year, I finally spoke to the last chance department, whom again I sent all my documentation to, and was told that yes we did meet the criteria for modification, the note did appear to be lower than what was previously offered, and that we would be referred back to the modification department and would not need to send any more documentation in.

Before I knew it our house was back up for auction and I called again and went through the process again!! In February of this year, 2014, I again stopped auction proceedings and was contacted by Wells Fargo later that month letting me know that we would be hearing from them regarding needed documentation. In a letter dated March 26, 2014 we were told, "Thank You for sending in your documentation. We will be contacting you regarding your modification." In a letter dated April 2, 2014, we were told that "Your case has been closed due to your not sending in needed documentation." It was at this time that I realized our home was again set to be sold at Sheriff's auction on April 10, 2014. Again I spoke to the last chance department and again the Auction was stopped. I was told I would be contacted by the modification department again.

I waited 2 weeks and called and was informed that my case was closed on April 3, 2014. I explained to the agent that No, my case was reopened prior to April 10th and was then informed that "Oh your case was closed again on April 11th, 2014, because we called you and you didn't return our call." Ok so what if this is not on my phone bill? I DON'T WANT TO LOSE MY HOME!! I was forwarded to another representative who informed me that I would have to send in an entire new packet. Again the process starts again. She and I set up a time 2 days later for a conference; it was 6 days before I heard from her again. I called numerous times in the meantime, and was shuffled from agent to agent.

When we did speak she informed me that she had not received my fax, which I sent, and requested it be sent again. I was at this time that I decided to access the needed documents via the Wells Fargo site and discovered that I could not do so unless my case was in review. I called Wells Fargo and was told that my case was NEVER reopened and therefore not under review and the scheduled sale date is June 4th, 2014. I am at a loss. I am not perfect and have not always answered a call or such, but I am also not some sleaze ball that is trying to get over on the system. My illness has changed every aspect of our lives. We have lost almost everything but we continue the good fight. I cannot stand the thought of uprooting my children from their home.

I realize that Wells Fargo is not responsible for my circumstances; however, I do know that Wells Fargo is compensated by the government to help homeowners like myself sustain some type of normalcy, sanity, stability, during such a hardship, through the HAMP and other programs. I have scoured the internet and now am saddened to see that I am not the only homeowner who has gone through this endless cycle with Wells Fargo. I see that several states have begun legal proceedings against Wells Fargo and have won. I don't care about all that. I just want to save our home. I hope this letter adequately explains my hardship. To say that this round and round cycle of representatives and paperwork and Sheriff's Auctions has taken a toll on my health would be an understatement. In fact, sadly, I was ready to throw the towel in this go round. But I have an 11yr old son sitting on the sofa next to me crying and begging me to save our home.

It's a 1 way street. Meaning they are happy to take $10,000 online, yet can not return online (no pending event to hold money etc. never 1 transaction made). Yet they could snail mail it to my home. I needed the money back in my checking today. I asked to overnight it. $15 charge. Explain that? Mail is less secure than online transfer since they had my SS #, address, acc't # branch, address already. Wells advisor acc't. acted as if it is "Their" money, & impose rules not published. They hold "MY money & use it to the benefit of Wells Fargo. Understandable, they're a Bank. Yet when instructed to transfer it online, as it is an online only acc't - they can not without signature papers---yet they can mail it to me with no signature papers immediately. Either after 40 years of banking etc. I have lost common & banking sense or they making up rules & hiding behind bureaucracy to the benefit of Wells Fargo, not the consumer. Essentially, Wells Fargo has stolen my $10,000, by not allowing me any access to it. EXPLAIN THAT?

When I called the number I was told my funds were frozen until Friday afternoon (4 days), due to the fact that they were under review. They were rude and would not tell me why it was under review, but to call back Friday afternoon. They even froze my business account, which had nothing to do with the joint checking acct I wanted cash from. Upon calling Friday, they said the hold was now removed and all my funds were available. I went to the bank and the same thing happened again! The teller handed me a phone number to call about my funds. This time I did not leave and insisted on speaking with a manager about closing all my accounts. I spent 2.5 hours there, waiting on various people who didn't seem to know what they were doing.

I was blatantly lied to about available cash at the branch... told it had to be ordered and they weren't sure when it would arrive. They finally brought me my 20K, and I transferred the rest into my business acct so I could close it out the next morning with a cashier's check. No one at the branch was ever able to tell me why they froze my assets, but I will NEVER use Wells Fargo again and would advise others to stay away from that business. They treated me like a criminal... Never again!

The information about what a "Qualified Deposit" consists of is deliberately vague. I cannot figure out how Wells Fargo gets around the usury laws in Oregon State. I have also had an issue in the past with Wells Fargo blatantly violating "Check 21" laws. The bottom line is this: Wells Fargo will do whatever they want, whenever they want. The misnomer, they eschew about fixing anything that can be shown to be a bank error is complete **. What recourse do you have when Wells Fargo bends you over a barrel? None! What are you going to do: Call the "Bad Bank" police?

I challenge anyone to find any Regulatory committee or commission that one can call, write, e-mail or send smoke signals, that will actually do something concrete. I have contacted four different agencies with a synopsis of the aforementioned exorbitant Direct Deposit Advance fees of $250 in less than a month. I have heard nothing. I did get a call from a smarmy, 12-year-old from Wells Fargo "Executive Offices", who repeatedly told me my call was being recorded, and absolutely refused to admit, on the record, that the structure of their D.D.A re-payments were legal. He just kept repeating the by-line: "Direct Deposit Advances are an expensive form of credit and you will be charged $2.00 for every $20 borrowed." He refused to answer any questions and I finally hung up in frustration. I still don't understand what the purpose of his calling me was. To rub it in? I give up. I guess Wells Fargo is trying to collect all the fees they can before the Government forced shut-down of the Direct Deposit program goes into effect May 26th, 2014. Good Riddance...

So here I am out of the country, expecting my fund to be wired, thought everything was already completed. The banker tried calling my cell which it hasn't been working for quite a few weeks, didn't bother trying calling my secondary number or try to email me. As soon as I get back, I am removing my money from that bank to another bank. No more Wells Fargo. This is not acceptable. The day I went in the bank, the bankers should have all the procedures figured out. I even called two days before to make an appointment with the banker to make sure they can complete the process all in one day. Not Acceptable!

They then asked for my SSN to look up my account. Gave it to them, then they needed the password to tell me what I owed. The craziest thing I've ever heard... Already told them that I didn't have my password... Then they want my SSN over the phone, which was given to them, then they then said again, "Cannot give you your payoff without the word that you gave us 2 to 3 years ago." Utter Lunacy... I can give them my SSN over the phone, but they cannot give me the 5 numbers that I need for a payoff???

The next great thing... "Sorry, sir, you'll need to go to our closest branch to take care of this." Fine with me. "Sir, what is your address/zip? Oh, I'm sorry sir, we don't have anything within 100 miles of you." (I'm in Munster, IN... 20 miles from Chicago). So now I can't access my info online, and can't talk to anyone with WF (WTF) about getting any info on my account... Fun stuff... STAY AWAY FROM WELLS FARGO.

Firstly I was put on hold for another 5 minutes to talk to a manager in the credit card department, who just again told me that it was the "online/website departments" job and he had nothing to do with my issue. Then he transferred me to a manager in an online department (after being on hold for another 10 minutes). And you might have guessed by now the manager of the online/website department again just told me that it was the credit card department's job.

I think a functional company should be able to make sure that all their related procedures make sense and if Wells Fargo is unable to make sure that their procedures are functional, then they need to just tell the customers to bank with a better bank. It was complete mental harassment to be on the phone with you guys for over an hour and get nothing out of it. The next time I have some time to spare on my schedule I am going to withdraw all my money from Wells Fargo and deposit it with a functional bank. Thanks for nothing Wells Fargo!

This happened recently within several weeks ago when I tried to cash my work check, and one of the employee rudely pulled me aside and took me to the office and to open up an account. So I met with a young bank agent named Joanna **. I told her I was in a rush to go to work, but she insisted I open one up and it will take only a few minutes and that I'd make it to work. False; I was late to work. Then she sent my information to the wrong address. Why did it take me time to find out, because when I went to the Koreatown branch (in Los Angeles, CA - Western/Wilshire located inside Ralph's supermarket) to complain why I haven't received it yet, that's when I found out about this ordeal, which was 2 days ago. And when I went to the branch to get the address fix, it was no apologies, as if nothing ever happened. I was so angry, but I kept my cool. I understand that I should have double checked to make sure things were accurate, but I also put a lot of trust into this bank worker. I don't know what to do. But I'm also going to keep doing research on what to do exactly. Thanks for reading.

How they do international business is beyond me. Anyway, I asked him to WAIT, until we could translated. However, he didn't and hence I got a second refusal and it probably effected my credit as my score went significantly down at that time. The email I got was, no proper explanation, after no proper guidance and just a two liner. "Sorry, Wells Fargo turned you down". Only after I confronted him, for not having informed me at the beginning (lack of knowledge), not having waited for me after I was ready to resolve situation on my own time and money (lack of care for customer and consequences of his inattention) did I receive an cocky email, that took no responsibility on his side and a kind of fake apology, ending with "hope to put this in the past" after I informed him that I would report him. Very smooth talker, but no delivery or taking responsibility. After that I called many departments, as the process had been unfair and not handled right. Nobody called back or cared.

Pay Pal on the other hand. Talked to us. Researched us themselves to figure out who we were, if we were legit or not. Kind of hard not to figure it out in this day and age. Had their own people translate our website, by using google translator. Figure out with their own senses and research, the volume of business we are able provide. Hence, came back and LOWERED our rates, even though we had not asked for that and already accepted their regular rates. WOOW! So happy and grateful. I would go with PAY PAL, if they wanted to charge me 10%. They care, they figure it out, and hence they can have my money. It all took a week, with a RESULT, so easy. As opposed to Wells Fargo 6 weeks, with NO RESULT, difficult. Difference between companies that are TASK oriented versus RESULT oriented. Way to go PAY PAL. Oleyyyyy!

We were ridiculed at the branch location of Wells Fargo in Auburn/Opelika at Village Mall location mostly by ** (mortgage loan officer) and by the simple fact that while all this was going on, the manager of the branch would meet in their little huddles but never had the common courtesy to get involved because, as I said in my prior review: we were "summed up" and disregarded as soon as we came in the door.

My review was answered by "Michael". I received an email to check my review on Consumer Affairs website to see Wells Fargo's response to my review. At the Consumer Affairs log in I was informed of Wells Fargo's interest in my review and "Michael" left me this email address to contact him (HomeLendingSocialCare@WellsFargo.com) and this phone number **. I first tried the email but it was not a legitimate address. I have called the phone number 3 times and left messages for Michael but have yet to talk to anyone at this location which leads me to believe it may be another of their scams.

Just when I thought Wells Fargo maybe interested in keeping me as a customer, I am again given the run around to add to the already humiliating visit I had at the Auburn branch on March 11, 2014. It has now made me come to the conclusion that this was all a "muse" to get me to declare this matter resolved so they (Wells Fargo) seem to be taking care of their customers. If anyone is looking for a bank I recommend almost anyone other Wells Fargo if this the way they handle business and now I must resume my search for a Banking institution that cares about their customers and wants to help their customers succeed and in return they succeed.

I wanted to pay them one month ahead each month to get rid of the late payment status they had attached to me... The "online" features would not allow a "pre" payment. OK So I mailed the "prepayment" to them right after I paid the monthly payment online. I checked my account status a week or so later and the online payment was correctly posted; however, the "prepayment" was posted "ALL" to interest..... nothing onto principal! I called and first she said they never got the mailed check (I told her I sent it certified) then she told me the reason it posted to interest was that I owed interest from the old home equity line! (which was closed about 4 or 5 months ago when the permanent loan went into effect).

This is absolutely ridiculous. They talk in circles. They told me that I am not "approved" to make prepayments. Really? Then she said that the extra interest was to make up for old interest. Then she said I was a late payer. Is that the reason I can't make payments ahead of time? This is actually funny. Don't deal with these people.... Their home equity line is a scam. Everyone has the right to prepay their loans. My next stop... the Banking Commission.

I opened a checking and savings and a credit card, and I was immediately approved for the loan and it was directly deposited into my checking for immediate use. Now, I called the man with my engine to make an appointment to drive to get it, which is 3 hours away. It is crucial I make an appointment because I am working around the man's schedule, as well as my dad's (because we are using his pick up truck), and as well as my own schedule (I have 2 jobs). I decided to cancel my accounts at Capital One and move the money to Wells Fargo, and most of this money will be the rest of the funds I need for the engine, on top of the loan money. I got my money from Capital One all on one check and I went into Wells Fargo and deposited it (through a teller, nonetheless).

The following day I went to check the status of my check and I am being told it is on hold for the next 5 business days, reason being I am NEW customer. This wouldn't be such an issue if I didn't need that money 4 days before the hold clears. Now my car is stuck at the mechanic shop an extra week, of which I have to pay for, and I have to rework my whole schedule to get the engine. I went into Wells to try and get the situation sorted. When I asked for the woman who helped with my loan, I was told she wouldn't be in for a half hour. I waited the half hour, and then was told she wouldn't be in for another hour. I left and returned to the bank an hour later, to find she was with another customer. I waited another 40 minutes to speak with her, and she was only able to get a quarter of my money cleared for me to use.

I went home that night and checked my online banking and my money was there. However, the following day it was magically gone again. This has been a huge inconvenience for me and I haven't had my accounts for more than a week. When I called to see why my money disappeared and went back on hold, I was told I'd get a call back to sort it out. I never received a call. I called customer service only to be told that the issue is out of their reach. If SOMEONE would have told me there may be a hold on my deposit I would have just got my money from Capital One in cash to begin with, and the money would be in my pocket right now. I find the entire situation utterly ridiculous. I have access to my loan, but I have no access to MY own money. Now I am re-working my entire schedule as well as my dad's and the man with the engine's just because I don't have my extra money to use, which is why I opened these accounts to begin with.

I am now reading reviews and I am hearing horror stories from co-workers and friends about this bank. I want to pay my loan off fast and go back to Capital One as quickly as possible. That bank never gave me one issue and I feel sorry for leaving.

Original Review: March 10, 2014

I received a notice that my CD was about to reach its maturity date so I called Wells Fargo (WF) as the notice instructed on day one of the grace period. I told the service representative I wanted to close the CD account and put the money in my savings account. I was told that it would be done within 2 business days. Two days later, I checked my account and it showed that the CD had been renewed, not closed. I called WF again. I got a lot of apologies and the service rep said it would be handled within 2 business days. There was no record on file of my previous call.

Two more days went by, now on day 6 of my 7-day grace period, and nothing. I called WF and demanded to speak with a supervisor (I have his name). After much discussion I was finally told that because the amount of my CD was over $5000, I had to go into a bank branch to close the account and transfer the money. I don't understand why I wasn't told this when I first called. I told the supervisor I couldn't get to a bank branch because I am home bound and cannot walk. He gave me an address out in Portland, Oregon (I am in Virginia) where I could send a notarized letter to have WF close the CD and transfer funds. He also gave me the option to send the letter by an overnight service, but I do not want to spend the extra money nor can I get out of my home to do that.

Being handicapped and stuck at home from recent surgery, I had no way to go to a WF branch to handle this matter. I had to scramble to get someone to notarize a letter in a timely manner and mailed to Portland, but it will take days to get there and well after the grace period ends. Hopefully someone from WF will contact me and clear up this issue. Otherwise, it looks like I may be stuck renewing my CD at the lowest possible interest rate. I will be closing out ALL my accounts when I am able to do so.

On Tuesday February 18, 2014, you repeatedly asked me why did I have a judgment on my credit from 2003, even though I gave you and your underwriter proof 3 times that the judgment has been paid with a copy of the satisfaction letter from the creditor with the stamp on it from the high court in Trenton, New Jersey proving it was cleared since 2012. After the persistent badgering, I figured why not just be honest and tell you the truth of what really happened so we can get on with the process. I know it may have been odd to have a 745 FICO score, and have this on my credit. I told you the judgment may have only been removed from one or two of the credit bureaus and not all 3. After graduating from college and after losing my job on Wall Street in January of 2002 during the crisis, I went to federal jail for a period of time. So, my bill went unpaid and that's the reason why I received a judgment on my credit from the debt collector company that assumed the debt. You apologized for making me have to tell you this, but I figured you are just doing your job.

On Wednesday February 19, 2014, you called me to tell me that the File is being submitted for DENIAL. Really??? 5 months into the process making it 3 days from achieving the American Dream and you are canceling my loan just like that. You add in that my American Express account went up 5% so unfortunately, I do not qualify any longer because my debt ratio is now too high. Most people's credit cards go up a little bit after the holidays; I have a child, family and a girlfriend. You wait this long into the process to tell me this? I did everything you asked for. I paid $1,500 to the title company; I gave you $600 for an appraisal. I got inspections totaling over $500. I got an insurance policy totaling $1,500. I did every single thing you asked for and to just cancel my loan in the blink of an eye is unfair to me and my family. I have never been late on my rental history. I have never been late on any credit cards. I make $45,000/year, I know that I do not make a lot of money now, but are you telling me I do not qualify for a $100,000 house?

I have over $10,000 in your Wells Fargo bank accounts alone. I know I am only 1 person in the millions of customers you have, but why didn't you offer me options or give me an alternative solution? I haven't heard back from you because I guess you're just onto the next. My only assumption is that I have a conviction on my record and I told you about it. Being pragmatic, I thought I paid my debt to society and I could move on with my life. I am just living my life as an ordinary Joe, all I was trying to do was get to the next level in life. Instead of being a proud homeowner today on my birthday, I am waking up again at 5:30am to this pounding migraine headache that I have ever since you crushed my world. I want you to know that I am truly saddened and I feel devastated and I have held off crying until now. I am grown man, but I am truly crying as I end this letter to you. Thank you.

Now some months later, I have more fraud occurring on my account, coming from the original debit card number that was reported stolen and cancelled! How is Wells Fargo allowing my stolen card number to continue to be used and charged to my account?! I have had several encounters with customer service and personal bankers in the branch and they are very neglectful, inaccurate and unknowledgeable about banking and procedures! I was supposed to receive a call back 2 weeks ago about a monthly service charge that was taken from my account in error AGAIN and still have heard nothing! I will be sure to let everyone in every way know that banking with Wells Fargo is dangerous! You can be a victim too if you choose to bank here! My identity has been stolen, my hard earned money has been stolen and all thanks to Wells Fargo and their inability to maintain a protected system for their customers! Go ask them an intelligent question about banking, I bet they will not have an answer for you! DANGER!

Hard to remember password with multiple accounts (bank, email, Facebook, online stores...). They don't offer standard password format (some allow special characters, some don't). The less online accounts you have, the better. I pay my bills online right after I receive my paper statement. All funds are coming from one bank so it is easier to track. I never have problems with my 4 credit cards. I regularly receive my paper statement. 3 times I have not received my paper statement from WELLS FARGO. I called and Wells Fargo waived the first $35 fee.

I called and Wells Fargo still charged me the second $35 fee (after several months). I called and Wells Fargo still charged me the third $35 fee (after several months). In 10 months, I did not receive 3 paper statements. That's 30% failure rate. Never have problem receiving paper statement with my other credit cards. I leave to readers to make assumption why I never have problems with paper statement with my other 4 credit cards BUT had 3 instances where I did not receive paper statement from Wells Fargo. I'm not telling you to avoid Wells Fargo. Just keep in mind that at least 1 person had problems with paper statement.

They have been calling us nonstop since then to get caught up on extra charges they applied to our account. We received our statement for this month today to find out that our new monthly payment is now $271.38 for the month and that they didn't apply the late fee that I paid to the account and just continued to count it late. Deciding to add another late fee charge to the bill wonderful.

Today I called them totally baffled why my regular payment along with the late payment that I made had not been credited as it should to our account. I got "Mike" whom after verifying all the information on the account couldn't give me an answer and couldn't discuss the account with me even though I am an authorized user on the account. Saying my husband needed to call back and confirm that they could speak to me about what was going on even though the account is a joint one. When asked to speak to a supervisor I was promptly told to wait for the transfer and was disconnected.

Not only is their service beyond terrible and are they constantly calling us to make a payment when the payment is not due for another two weeks. Their customer service is beyond rude and incompetent. Will not ever be doing business with them again after this is paid off.

On top of that it showed that I had approximately another $77 in my savings account which last night was only $16. To confuse things even more, last week I transferred $300 from checking into my savings to cover my rent this week and transferred it back this week when I wrote out my rent check... All of these transfers had gone through fine and showed that they did online. When I called Wells Fargo about the 69 transfer debacle the woman I talked with told me through our conversation that my $300 transfer from savings to checking hadn't gone through... I saw it with my own eyes, people, it had gone through!

This is not the first time that they have played around with my accounts and my mind. She also told me that the rent check had gone through yesterday yet it didn't show up until this morning that it had cleared, it was never in pending... not that that matters, my point is that what shows up online is not always accurate. Also, all of these transfers have eaten up "federal regulations" allowable savings transfers per month. I have never heard of this either. Why does the federal government or is it reserve (? ) have the right to govern how much money I can transfer from one account to the other?

Another thing that I regularly notice is at one point a purchase will show up in pending and the next day it will disappear so I look for it in posted transactions but it isn't there either and then later on that day or the next day or sometimes days later it will show up again in pending or posted. How can anyone really know what is going on in their accounts if they are appearing and disappearing? Wells Fargo is playing with our money and screwing with our minds. We will be switching to a different bank next week. Not that they care.... We only live on peanuts. Until then I will be daily printing off my checking and savings information just to save my sanity.

It turns out that a scam company called Best Benefits has been illegally tapping my account for $19.95 a month for 5 years. Of course I feel quite stupid that that got by me. Further research shows me that even though I don't specifically recall doing so I had disputed the charge on several occasions and had the charge thrown out and/or discontinued. Best Benefits apparently just keeps going further with illegally debiting my account. It turns out that prior to 2009 when my bank was still Wachovia, they provided Best Benefits AKA MVQ AKA Vertrue with account information pertaining to their depositors.

When I finally figured out what and who Best Benefits is and called their line they greeted me as a "Preferred Wachovia Customer". When I had asked about the charges earlier I was told that "It's probably a service charge to insure your car loan." Seeing how I made my final payment some months earlier I felt I was billed in error. Long story short, they refuse to refund the money they knew was being stolen from me and in fact were in collusion with. I'm fighting it now.

When I went in this time to open another opportunity account and pay off what I owed them... they told me I owed $120, which was fine even though the bank in GA said I only owed 90. I started making payments and then when I went in to make the final payment for this debt, my normal banker was not there and I had to use another banker who just so happened to pull up 2 more accounts that I owed on (checking and saving that was closed two years ago for a zero balance). Apparently, I owed about $10 for their banking fees of having an account open. That annoyed me because I have had two accounts since then and NOW they want to tell me I owe more.... right.

So I just paid it all anyways. I figure it would all just be over and I could move on. A few weeks ago, my dad (a long term Wells Fargo customer) had about 600 in his account... then one day all of his money was drained from his account and his cc maxed out. Wells Fargo said it was Social Security taking the money. He went to Social Security multiple times and they are assuring that they did not take the money and he did not owe them anything. Now Wells Fargo wants to change its tune and say it is not Social Security taking the money but they will not tell him where his money is going. They have no documentation to show where or why the money is being taken. They are stealing his money and constantly calling him to pay on his account... when he has no money, for no reason.

A few weeks ago, I signed up for this little trial version of some diet pill. It said free trial and all I had to do was pay shipping, so I did. What I didn't know, is that in their terms and conditions, they state that they will charge 90 dollars a month for auto ship on this product. I called Wells Fargo because I did not authorize them to charge this and the first person I spoke with told me they would reverse the funds right away.

When I was transferred to another person she said that I won’t get my money back until I send the trial back at my own expense and allow 14 days for the company to refund me. I feel like this is wrong and Wells Fargo is taking the side of companies that are put in place to rip you off. I will keep my account open but will not use it for any major funds. They do wonders with taking customers money and don't care what it does to you. Oh yes and they are VERY RUDE.

On January 31st of 2014, I checked my checking account online and found out that there was a "refund" to my account from Wells Fargo in the amount of $1550.00. I called Wells Fargo and after having to all kinds of crap from three different people that could not explain why my payment was returned, I asked if they could take my payment over the phone because I was sick and tired of the run around. I was switched to three different people before someone was able to do the electronic fund transfer from my checking account to Wells Fargo, having to repeat my loan account number, last 4 of my social number, telephone number, normal payment date, and other thing to each one. Wells Fargo gives the worst customer service of any bank that I have dealt with. I will check my bank account next week to see if my motor home is paid off or I have to spend another hour and half dealing with poor customer service.

I went to the branch, same thing, if I find anything that can help benefit your account blah blah blah... I was like wft is wrong with these people. Do they even get a salary or are they having to sell pens and t-shirts for Wells Fargo too in order to eat... this a joke. Wells Fargo, people with money do not like to be bothered about credit cards and financial advice. I have a friend that worked there in the financial services department. He finds accounts with balances over 20,000 and cold calls them to try to sell them and "help benefit their account blah blah blah." All these banks care about is themselves and this a great way of proving it. It's sad our country has given in to these mega corps because they are so big and they control our politics. I want a bank that I can go to without being harassed so their employees can eat.

The two lawsuits that Wells Fargo lost for using this illegal algorithm totaling to more than thirteen million dollars obviously does not bother them for they continue to use it. Good profits! If another lawsuit is pending against Wells Fargo over this illegal activity I would like to be part of it. for stealing is a crime the last time I checked . Wells Fargo does not hurt the middle or upper class in this particular fraud, this hurts the struggling people that pay their bills each month to the balance line and the CEOs of Wells Fargo should be imprisoned for the criminals that they are. Crime is crime and a thief is a thief.

One, it showed my cash deposit as PENDING. When I called the bank about this I was told by one person that a cash deposit is immediately available. When I talked to the manager, Mya, I was told that it would not be available until after the system updates at 2pm. THEN I also noticed that I was charged an overdraft fee of $35 for my car payment that I had been watching for. It appeared on my statement as coming in today 1/24/14. Had the cash that I deposited been applied appropriately there should have been no overdraft fee. I believe this is fraudulent activity. Intended to make the bank money by taking fees that should not have been assessed.

We hired a lawyer to straighten things plus they have to pay the lawyer's fee as agreed. We signed papers that in order for us to get the money plus interest, we are not going to sue them. One month had passed and we haven't gotten our money yet for the reason that they were short staff. How long for a bank to transfer money from bank to bank. It doesn't even takes days. So we decided to hire another lawyer to clear matters and we wanted to buy a house that we liked but this is the third time that the builders can't wait that long, so we ended up disappointed because it is very hard to find a new house especially at Silver Spring area. We liked that area because it is near the doctors that's taking care of us. I hope you could help us resolved this problem. Thank you for your thoughtful regard to our problem.

At no time did I provide any evidence for the investigation or investigators. I did call back after 24 hours and I was rudely advised that I had no business questioning the status of the investigation for 72 hours on December 30th. My wife did a follow-up call and she too was rudely treated. Why can or does a person without any proof or legal documentation have the ability to individually have the authority to decide when a bank account is frozen? Who decides when the account is unlocked? As soon as I can I will no longer associate with Wells Fargo.

I had then called a Veterans home loan rep. with the Wells Fargo main office in Iowa and had spoken to a loan officer as I was led to believe regarding purchasing the house on a short sale. He then asked me for the homeowner's name and address and pulled the file. After looking at the account, he then told me that they could probably let me purchase this house for $112,000.00. The owner owed approximately $121,600.00 toward the house and the house is appraised at $$122,000.00. After that the case was referred to another rep with Wells Fargo in Richmond, Virginia named Kay **. She seemed to be professional at first and then informed me that the rep in Iowa didn't know what he was talking about when he had quoted the price to me for $112,000.00.

Since that time Ms. ** has not given me a price on this house nor any loan percentage. She has asked for copies of the first 2 months of rent that I had paid starting in January of this year to Mr. **, the homeowner and then she has asked me for copies of rent receipts covering all of this year. Now she wants copies of utility bills that I have paid since I had this and the cable, trash, water, electric transferred into my name.

I feel that I am being jerked around since I am a disabled veteran and I am certainly being given a run-around. I had spoken to another Wells Fargo rep. in Iowa but he simply said that Ms. ** was good at what she does and would handle the case. I do not know if I am going to be evicted or not. Ms. ** had told me last week that the house was no longer in foreclosure. I had asked if the owner's wife still had power of attorney but she said she couldn't give me that information. I had been informed earlier that the owner's wife was not on the deed or in a will at the time of the homeowner's death on October 3rd. Can you help?

Wells Fargo doesn't care for their customers at all. Not after I lost my job, or got in a car accident and tried getting an auto loan (when I was employed) or even the fact that my dad and I were loyal customers for years. I wish I was warned ahead of time about what a crappy bank they were until my hard-earned money simply went into their greedy pockets.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Original Review: Aug. 24, 2013

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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