Wells Fargo Reviews

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

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

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

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

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

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

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

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

Original Review: Nov. 26, 2011

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

At month's end, I got notice of 14 overdrafts, over $400. I was never notified until the end of the month and the ATM continued to show available funds on a daily basis. The bank accused me of bank fraud but did waive 4 fees and said that it was all they could do. Why are these charges my fault? If money wasn't there why did they keep giving me money? I have gone to different Wells Fargo branches, all with same results. They want their money! What do I do next?

The bank gave $1666. 00 to a vendor I was disputing. They used overdraft which I didn't have. Then charged off that amount, absorbed 2 retirement checks of $434.00 plus $235.00 balance that was in the acct. And when I was credited back $700.00 from the original $1666.50, the bank absorbed that as well. Total loss of $1666.50 + $700.00, plus I was forced to stop the auto deposits, and had to get money orders to pay my Medicare premiums. I am 52 years old and disabled. I cannot fight when there is no accountability or anyone to make the decision. Someone at Wells Fargo made a decision to pay something that was not authorized by me. I didn't give them my card number, nor did I sign for it. I did not receive the service or benefit in any way. The bank needs to give me my money back. Please help.

This morning, I tried to log into their site; I got a message saying I had no accounts with them, and that I should call if I had any questions. I found out that the night before the checking account and the IRA account had been closed that the account was closed due to an overdraft of $2.82 (it had been on the books for two months according to them). Being in Asia, I had not written a check on the account for over ten months; I was unaware of the negative, which I believe was a service charge of some kind.

The IRA was closed because they said the funds had been distributed, but they did not know where the funds were. Why would they close a checking account where I asked the funds to be placed? Where are the IRA funds? None of several representatives could help me. I spent so much time on the phone; reinventing the wheel with each new representative--to no avail. Finally, for the first time over the week, they asked for my IRA account number. Not being able to go into my now closed account, and my paperwork being in the USA, I was unable to give them the number. I was then told they would be unable to help me until I found the IRA account number.

The checking account can't be reopened. My ATM card is therefore, no good here in Asia. I don't have an account to transfer funds into in the USA, unless I open a new account. By the time I get my hands on my money, it will be too late for the emergency I mentioned. Do not do business with this bank.

My account became negative and incurred $140.00 in overdraft fees in which Amanda told that it will not happen at all. I was told 3-4 times by Amanda that I will not receive any overdraft fees but then I did to my surprise. I was upset. I am asking that you honor your word that was given to me by Amanda and give me my money back. I walked in and was refused. I requested to talk to a supervisor over the phone and you refused. I am asking politely again for my money to be given back to me and for your company to honor your word that I would not receive any overdraft fees. I was told that the call was recorded. I told him to check the call and to honor Amanda's word but the supervisor refused to. Please check all calls and everyone that I spoke to today that had access to my account and honor your word and give me back all my money. Thank you very much!

When I filed a complaint, they started harassing my family members who don't live with me or have anything to do with the mortgage. A Wells Fargo executive by the name of Dawn ** finally called me after I had filed numerous complaints. Ms. ** agreed that the cost of insurance applied by Wells Fargo was outrageous. She also agreed that Wells Fargo had no evidence that my own insurance wasn't applied. She couldn't explain the escrow, though. She said that she would check the "facts" and call me back but she never did. Wells Fargo continues to apply interest and other charges to my account.

Wells Fargo is an organized crime syndicate that violates RICO Act (Racketeer Influenced and Corrupt Organizations Act) by forcing customers to accept whatever payments, charges, escrows and interest rates Wells Fargo decides to apply and then threatens to take the customer's property if they refuse to pay.

I told her that I felt like the teller had purposely allowed me to pull funds that were not there in order to collect a withdrawal fee. I had heard of banks doing this on the news show Nightline. Immediately, Donna attempted to end the call by asking if there was anything else she could help me with. I asked her again why the teller would release funds that they now were claiming I never had? She admitted that she didn't know and told me I would have to go to that bank and ask the teller. I said, I thought you were customer service? She again asked if there was anything else she could help me with, at which time I ended the call.

I am fed up with these underhanded bank tricks and unnecessary fees that the news and the President are saying are "criminal". I am trying my hand at online banking as I have heard positive things about the way they do business, as opposed to big banks that are only out to penalize their customers to make a quick buck. I didn't even want Wells Fargo as a bank and would have never chosen them on my own. I woke up one day and they had taken over my account. Inside the bank, there is a huge quote which says "Henry Wells, the founder believes in courtesy". I don't know who this is directed to, because it is not the customers that keep this so-called business running.

After 7 months, we have no resolution and after multiple claims stating that we would get a copy of the contract, we still have never received one. The company is not honoring its agreement to release us from the contract and now refuses to discuss it. We were lied to just so an employee could make his sales quota. The company is taking no responsibility for the actions of their employee misrepresenting their product and selling it under false pretenses. The total lack of concern for the fees we have already incurred due to the misrepresentation of this product and the company's lack of follow through for a significant customer service issue is appalling.

I beg and pleaded with customer service, explaining that I don't have money to just give away and that I work less than 40 hours a week and I had my bills which I pay with my accounts coming through. I explained that those charges were already paid and asked why they are charging me these fees. The customer service representative stated that there was nothing that they can do because it wasn't Wells Fargo's fault, and they suggested that I learn to keep account of what I use from my account. What? Are you kidding me?

I'm in the process of getting my accounts change to another bank. Way to go Wells Fargo. Another way of the rick taking from the poor as if the economy isn't bad enough!

I was told that if I kept from these kinds of problems, I would not have holds. Then after that, I was told that the company I work for was a new check for me and they would have to have a few deposits before the holds would not happen. In other words, they needed to have an established background with my company, to show that their checks are good.

Now, to the good part. As I said I made my deposit, no problems or issues, at the ATM of my branch. Lo and behold, I get the receipt and it gives me 100 dollars out of my check available! I think, wow they are starting to make it faster for me. But, then I look down further and they put a hold on my deposit for 2 weeks! At first I thought, "No, this is a typo,” so I called the toll-free number.

First, I was talked to rudely by the first lady I spoke to. She stated matter of factly that this is a normal Wells Fargo policy. I said, "But usually the hold is only a day, maybe two," in which she replied, "I see that you deposited then canceled, then deposited again." I told her no, that did not happen. She then stated that, that's how it is. I asked to speak with a supervisor, Devin was his name, I think. He tried his best to help even with my temper steadily rising.

He stated he did not understand why it happened and that the so called "deposit, cancel, deposit" would not affect anything. After explaining all of the aforementioned, nothing could be done. The only two things he said were my options were cancel the check tomorrow and get a reissue from my company, then deposit because they don't put hold on cash (I sure the heck hope not. If they do, I'm moving to a third world country were seashells are still considered money) or wait 5 days, then contact the on-duty manager and ask them to release the hold (out of the goodness of his heart, no doubt).

In a nutshell, we have misleading information about pattern having an effect on holds. It's an excuse to create an inability to pay bills on time, by delaying funds, even though they have established that they do pay. Which was the reason they said I would not have available funds. Risk models they say, show that the check may not pay. So, first it's because of a new job they have to put a hold because they haven't established that the check will be honored. Now that it has been proven, you put an even longer hold on my paycheck from the same company.

What's worse is, the people I talked to either blamed me for it because I didn't deposit correctly, I pushed the wrong button but then got it right, or couldn't understand it. But the key point is this, the manager can release a hold that was put on by computer risk models. Basically, a model based upon spending that knows when your bills are due. Hmm suspicious isn't it?

If a manager can release a hold, then there is no policy. It's a tactic to create more revenue for the bank by overdraft fees because I can't pay my bills until it's too late. Perfect scenario to get in a pickle, caught between crossfire.

I, for one, think that in this time of hard living where cash doesn't pay for everything anymore but a card does, a bank would ease the burden. Wells Fargo, on the other hand, has a different plan though. I will now be forced to go back to cashing at Walmart. Then use a prepaid credit card to pay bills, ridiculous. Hey US government, we pay income taxes. That's your money, go do something about the banks. If we don't get paid, neither do you.

During the initial in-take process, while just passing the time of day, I made a statement concerning my displeasure related to president Obama. The loan process has been ** to pay since.

We're now two months into the process. Now, we learn that Wells Fargo claims the residence is been classified as "multi-family". What?

Our home is a modest 3/2 in a restricted neighborhood where "multi-family" isn't allowed!

The county tax office still carries on their record that the house is a "single family" residence (and hasn't been changed).

Wells Fargo has been sent copies of the tax statements, the PIN and everything else we have that shows the house is a 3/2 single family residence. Yet, Wells Fargo won't process the loan further without extracting more charges from us.

I smell the "Chicago way". We either have a conspiracy of malice or a conspiracy hatched by incompetence. One or the other.

I would advise anyone, and I mean anyone, who is considering working with Wells Fargo to stay away from them (if this situation turns out to be incompetence). Or expect to pay a toll if you exercise your freedom of speech.

Something huge is wrong with this company. We've been lied to, jerked around and abused.

Yesterday, we received a call and emails from Mr. Kyle ** telling us that our closing would have to be delayed because certain things had been overlooked. This even though my husband, my attorney and myself had been trying to contact Wells to pinpoint a time for the closing and our calls and emails were ignored for about 2 weeks prior. The last communication from Ms. ** on 9/6 said we were good for 9/22 and our financial criteria had been met. Now 2 days prior to closing, we are being asked for Operating Business Statement, credit card statements, landlord information, etc. All of which had been previously supplied. Ms. ** has ignored all our communication from the point where she passed this case on to Mr. **.

My family is stressed because we have notified our landlord and must be out by 9/30. Conveniently, our lock-in rate will expire on 9/27 and my husband travels extensively for work, which I explained to Ms. **. He arranged to be home this week and now, this closing might not happen as scheduled. It is unacceptable that my family should have to incur additional expense and aggravation due to Wells Fargo's negligence. We have been dealing with them since the beginning of July and they have had more than enough time to close on this transaction. Ms. **, this morning, communicated to us that these things should have been done when we converted to from FHA to a Conventional loan. Instead, they have waited until the eleventh hour to ask for additional documentation.

It is unacceptable that due to Ms. **'s promotion to a managerial position, everything having to do with my mortgage fell through the cracks. Today, she is informing me that she has to contact my landlord. How does she plan to do so? Have him sign a document, return it and close as scheduled? What if because she waited till now, she can't get him? He works and travels to his home in Florida on occasion. Again, if this had been done a month ago, this would not be an issue. Now, my family and I will be the one's inconvenienced while incompetence at Wells Fargo is rewarded with promotions. Several people at the managerial and executive positions were contacted, but I have not heard from any of them even though they told me they would call me back. Wells Fargo has had more than enough time to handle this transaction smoothly. It would have been nice if someone would have taken ownership, instead of leaving everything to chance.

They asked me if I knew the person who did this, the answer was and is no. They asked me if I gave my PIN number to someone, since one of the withdrawals had been done as a debit, the answer was and is no. I was told that they would investigate (reviewing video footage) the fraud on my account and come up with a decision based on evidence.

Three days later, I called to check on the status of my claim and was told that it was completed and denied due to the fact that I had willingly given someone my PIN number and authorization to use my account, which is a lie. I was repeatedly interrogated over the phone on 9 Sept 11, and made to feel that I had done something wrong. I attempted to try to rationalize what was going on with my account because I had no idea what had happened or how.

During these interrogations for the many hours on the phone, my bank determined that somehow, I had willingly given my PIN number and authorization to someone else for their use, which is not true. I have never given my PIN number out. Never did this bank try to determine who had accessed my account without my permission and completed theses fraudulent charges.

Not only did they not investigate the fraud, they determined that I was responsible and stole two of my direct deposit paychecks to cover the monies I do not owe. They took one of these paychecks after I was told that there was a monetary hold on my account so nothing could go in or out. Along with the debit card transactions, Wells Fargo allowed checks made out to me by a company I have never heard of to be deposited into my account. This check was signed by someone, other than myself (I will give you a copy of my actual signature), and had the incorrect account number written on it.

The bank not only allowed a check to be deposited into my account, they also didn't verify the signature, check ID, and on top of that, they changed the incorrect account number written on the back of the check with the fake signature to match my account number. At any point in all of this, had Wells Fargo attempted to do their job, none of this would have happened. I want all the monies that are owed to me (my paycheck deposited on 2 Sept 11 for $829.78 and my other paycheck deposited on 16 Sept 11 for $564) and monies for all the inconvenience and past due fees I have received since I have been unable to pay my bills (due to the fact I have not had access to my paychecks).

I trusted my bank to make sure that my money was safe--not only did they not do this, they also allowed someone to steal money from my account. They didn't try to find out who it was, turned around and blamed me, and stole my money to recoup their loses. I am attaching copies of all documents I have, including the altered account number on the deposit slip, changed by Wells Fargo in order for them to fraudulently deposit the money into my account, and a copy of the check with the forged signature. I will also be including a handwriting analysis with my signature and name, which Wells Fargo already had, for your review.

When I called Wachovia customer service line, Wells Fargo picked up but could not locate my account. As a result, they transferred me back to Wachovia only to transfer me back to Wells Fargo. 20 minutes was lost and they were unable to get access to my account. A couple of days later, I called again because I had to re-program all my online bill-pay, and some features were not working properly. A month after, I was traveling to Kenya and my check-card got stuck in the ATM machine. As a result, I called Wells Fargo. This is when I was really upset because I had to deal with the issue above. On top of that, I was calling long distance to cancel my debit card. Cancelling my debit card was an issue because apparently I could not verify my identity. My other banks, even including Wachovia, have a better customer identity check than this Wells Fargo.

The only question that they were asking me was, "What was the last transaction on your account, debit, credit?" I told them approximately because I only use the account to pay my mortgage. The clerk said, "Sorry you were not able to pass the identity check etc." I am sorry but I am. No one will be able to give a last dollar amount on a transaction. For example, I said $1360 and the correct amount which I know now is $1361.39 for my mortgage. This made me extremely upset. It took me 40 minutes to get through. And finally, when I talked to someone to cancel my card, they were not able to identify me. I told him I did not care that he can or cannot identify me, but this card needs to be cancelled or it will be their responsibility. He said he could do that, but they were not able to replace my card at the moment!

I returned after 2 weeks of vacation. I called them to order a new card! It was not possible as they couldn't identify me. They finally told me to go online and make the request! So, after I made the request online and complained, the responder told me they have not yet updated their entire security question! And that made me upset because security comes first! You would think I would be a happy customer now with a new card ordered, not more issue. Since I did not have a new card, I wanted to transfer $2000 to my other account to survive the 10 days waiting period. Guess what? The cut off deadline for the request on Saturdays is 3:30, in which I made it. And transfer to another bank usually takes 2 to 3 days. Today is Thursday and I still do not have the money in my other account. I decided to contact them with the details. They replied to me with a generic message.

It was a Wednesday night, all was quiet, and the kids were in bed resting for the next school day. To my surprise, I heard a very loud knock at my back door which awoke my kids, startled me and my friend, and woke up the neighbors. I went to the door and asked who was there. He stated his name and said he was from Skyline Recovery. In hearing only his name at first, I told him I don't know anyone by that name. He said he was there to repossess the car and demanded the key, stating that if I didn't give him the key he would drag the car out of there. Because of his tone, I was scared to open the door, so I said nothing. He continued to knock and finally my friend opened the door and told him that she didn't have a key. He told her to get the key now or he was going to drag the car out of the driveway. In looking outside, I saw that there were two other guys outside, and because of his tone and treats I thought going outside to even get my belongings would be a bad idea. I at first dialed 911 to ask if they could come out, but then hung up because I thought by the time they got there, it would be too late. So I decided to keep the key with hopes of exchanging it for my belongings.

After loading the car, he in fact dragged the car out of the drive way; he pulled forward then back a few times and then speed off into the street. Upon entering the main road the car fell off the tow truck. The three of them got out of the vehicle laughing. My neighbor went outside and asked them why were they being so loud and purposely damaging the car. According to him, they made a few treats and told him to mind his own business. Before driving off again, they again disturbed the peace by lying hard on the horn more than enough times and speeding off with the vehicle. The police came out of safety concerns, and advised us that the repossession company just called a few seconds prior to him arriving. I asked why they didn't call before coming. If they had, I would have felt safe in giving the key and going to collect my things. The police said that they were supposed to call prior, as a courtesy. And the attorney I spoke with said that because they did not, they are now left to defend themselves against my claim. I am looking to file a breach of peace report, when I find a ride to the station but was told in the meantime to file this complaint. I was also told to call the repossession company and ask if I could obtain my belongings.

The next day, I called around to find out the location of the car. In speaking with the representative, I asked if I could come and at least get the bag of school and clothes, left at the back seat. He said yes, but only if I give them the key and $25. I asked why the $25? He said that it was for administrative purposes. I said I just need one bag. He said I would have to pay the $25 because someone would have to watch me take the bag. I told him that I don't have the money and would handle the matter another way.

Since then, I did not receive the letter that the law states that I am to receive within three day. According to CT repossession laws; it states "The contract holder must, within three days of repossession, provide the buyer with a written statement of the amount due under the contract and the amount due for repossession and storage costs. If the contract holder fails to provide this notice, he forfeits his right to payment for repossession and storage costs and is liable for actual damages caused by that failure." I and witnesses strongly agree that the repossession was unlawful, due to the disturbance and breach of peace and don't feel I should be held responsible.

Furthermore, prior to repossessing my vehicle, Wells Fargo continuously harassed me and my family calling literally more than 20 times a day; even after I explained my hardship situation. They refused to place the late payments on the back of the loan, after another representative advised that I would qualify for their extension program if I was to make at least one payment. They also did not follow up on removing the insurance charge, in which they used a few of my monthly payments to cover. I never had a lapse in coverage and advised them that the misunderstanding with AIG was cleared with DMV. They also could not explain to me why some months, most of my payment went to interest and others my payment went just about all to interest. To my understanding, my payments were to be fixed and if anything my interest payment should be decreasing, as the principle amount decreased. I also noticed after looking at a copy of my payment history, that when I had an extra payment to apply towards principle, my payment was treated as a regular payment. Their response was that I should have told them it was a principle payment and there is nothing they could do about it now. I explained that the payments were made one week after another, how could they not have known.

Wells Fargo has not tried to work with me and have continuously harassed me and given me false hopes. They illegally reposed my car and misrepresented my payments. I asked that you seriously look into this matter. In reading the other complaints, it appears that they have been getting away with these practices and if nothing is done will continue to take advantage of their consumers.

Today 9/6/11, I received a call from a woman about 2:00 this afternoon (AZ time) if I could pay today. I said that I couldn't and I told her I explained to the other representative that it would be mid September, but I couldn't give a date. However, she became defensive and said "do you want us to keep calling you?". I then hung up and called another representative. When I told her the same thing, she said I just made a commitment which was fine, but she said, "I should have told them that the first time".

But I said to her, "No, that's why I gave you those two dates". In my mind, I knew I needed to pay because I know I owe the bank. My problem is not with the bank, because I do owe because my account is overdrawn and that's my fault. But when did Wells Fargo become a loan shark agency with the worst customer service representatives in the world? They could lose customers that way.

Then, this past week, I got a check for approximately $4,000.00 from UNT financial aid for my daughter who is a full time college student. The check was sent to my address and made out to me. My daughter has an account with Wells Fargo. On that account is my same address, and we have the same last name. I wanted to deposit the check. I did not want anything back. I wrote on the check 'for deposit only'. I was advised by the teller I could not deposit the check, because my daughter had to be with me to approve that deposit. The check is drawn on Wells Fargo Bank! Finally, I asked to speak to the manager. She basically tried to be in agreement with the teller! I was shocked! Then, they decided they would cash the check and deposit the cash into my daughter's account. I thought that was stupid. And I did tell them how I felt! That is what they did to keep me from depositing that check and waiting for it to clear.

Isn't charging me interest enough? Do I really have to pay in order to pay a bill? I attempted to contact Wells Fargo for an alternative but they refused.

I walked in and was "greeted" by a guy (I don't know his name) but he stopped me and said, "How can I help you, what are you doing here today?" I told him I'm just cashing a check. He asked if I have two forms of ID and I said "Yes, I have to go through this every time I come in, so yes, I definitely have my IDs." He said, "Well I'm going to have to take a look at your check." I asked why, he replied, "It's my job. You have to show me your check to verify its authenticity."

Really? I call BS. As a "greeter" in the "landing area" or whatever it's called, they do not verify a ** thing. They ask you all about your business with the bank in an order to better serve you. Fine. I get it. But to tell me point blank that I have to show you anything is, one, not your job; and two, rude!

Next, I was pulled from the general line and asked to be seated with a banker. When I asked why, Michael (the banker) said "because." He was smart, so it began. I said, "Really? And you're going to take your sweet-** time cashing it too, right? Busy playing your Solitaire instead of taking care of customers?"

His boss (petite female) came over and asked me to leave. There are "and, ifs and a few buts" missing but the idea is there. I have serious anxiety and wasn't aware that Wells Fargo's policy was to demand the reason for "all the money" (referring to my check from PayPal) and to demand a reason for not cashing the check with my primary banking institution.

I was embarrassed that I was pulled out of line and made a spectacle of during a very busy Friday evening, only to be further embarrassed by being asked to leave.

Hmm, wonder why people get so irate with tellers? Let me tell you why: They're pushy way beyond being friendly and helpful. What I do with my money is my business. Refusal to cash a check drawn from your bank because I refused to tell the employees what I did to get "all this money" and because I refused to give them "an adequate" reason for not cashing the check elsewhere. I will absolutely make sure I advertise the extremely poor customer service I received from that branch on a continual basis. Also, I would have not marked one star, but the computer makes you put at least one.

The 'hard' inquiries may have adversely affected my credit score; thus, preventing me to get the most favorable rate possible. This is very frustrating. I feel like I've been deceived. I doubt I'm the only one who has experienced this.

I am also 89 years old and cannot always get out of the car to go into the bank. Every other bank in the area will to come to the car and explain the situation, whatever it may be. I was denied of this courtesy. A new print out of DMV without picture is ridiculous. It actually makes the bank look as if they are making excuses so as not to close my account. I have also had to deal with Wells Fargo for not cashing my SS check. I am sure they can understand why I will never consider leaving my money with them or giving them any kind of review.

The bank sent a copy of the said check to my address of record and then, as per their procedure, destroyed the check. They also say that they destroyed all copies of the check showing that the check had been returned to me NSF. The check's copy was lost in the mail and the bank can't or won't replace the copy. So now, I have nothing for redeposit, nor do I have proof to bring to the bank that there was in fact an NSF check.

Now, the bank says that there is nothing that they can do about the check. The best they can do now is to give me a letter saying that there was in fact an NSF check. I don't know if this is even enough to file charges against the initial check writer.

So, none of my car payments went toward the actual car payment. Stephanie asked me what I wanted her to do. I said, "Take out the late payments." She said, "I can't do that." I told her, "I did everything you asked me to. You told me to provide car insurance; I did. You told me to provide receipts of payments for one whole year; I did. Still, you only took 50% off of those late payment fees." She insisted that it was my responsibility to put the right account number.

If they had only took off all the late payments, my car would not have been repossessed. I believe that Wells Fargo should be accountable for their mistake. They then said that I had to pay before Aug 29, 2011 or my car would be auctioned off. So, I paid my balance on Aug 22, 2011 but I found out that my car was already at the auction place with a sticker without my plates. My car was picked up on Aug 15, 2011. I want to talk to a lawyer because I feel that I have a case against Wells Fargo and Wachovia.

After that, Adam never called me or my father back, until several messages were left in regards to the situation. When he finally called back, I was told that since my father does not live at the same residence as me, the underwriters would not approve the loan in a way that would benefit me the best. What they want to do is to refinance me at a 30-year loan at 5%. Now, why would I do something silly like that when I currently have 10.5 years left on a 20-year loan at 6.5%? The loan I am needing is a 15-year loan at 4.XX% with a cash-out of at least $10,000 (which I have enough equity in my home to take this out) so that I may pay off my $5,000 credit card bill that keeps escalating due to interest. The remainder amount taken out will help with year-end taxes and will replace my water heater which is about to die.

This would have been a win-win situation for me because even with the equity taken out of the house, I would have had a lower monthly mortgage payment, only 4.5 years added to the loan, and some money to take care of a few issues. But no, here I am with my credit card bill climbing, a higher monthly mortgage payment than I would care to have, a water heater that is about to quit, and wondering how I'm going to pay my personal taxes at the end of the year.

In October 2008 I was diagnosed with cancer and we fell behind in some of our bills and have a hard time catching up. However, we made all payments on the car loan up until this year when we fell two payments behind on the car loan. We wanted to re-finance the car loan at a lower interest rate thereby lowering our payments but Wells Fargo refused to do that. So we asked them to accept our future payments and put the two unpaid monthly payments on the "back end of the loan". Again, they refused.

Our next payment wasn't due until August 12th; however, on Monday, August 8, at 3:00 a.m., a tow truck backed up in our drive way and took the car. Now, we have gotten a letter from Wells Fargo stating that if we want the car back, we need to pay the full balance of the loan which is $13,000+ together with the towing bill or the car will be auctioned off on August 26, 2011. By then, we will be responsible to pay the difference between the amount of the loan and the amount that is gotten at auction.

We believe that these banking policies, in this economy, are just unfair and unjust. We had never missed a payment prior to this year, and for them not to be willing to work with us, is simply inappropriate and unfair. This bank in particular is out of control with the way they treat people. I also have other loans with them, which are all up to date and no payments have ever been missed. Isn't there something that can be done about these banking practices? We need the car. How am I to continue to get to my job so that I can continue to make payments on my other responsibilities?

I am disputing the charges and I did not approve the overdraft fees. WF did not send any of the requested documentation but they did take $300.00 out of my checking account and send the additional $143.00 from overdraft fees to a Primary Finance Collection agency, who now call me at work and at home up to 25 times a day.

Here is a company that is supposed to protect me but they are the one who's taking advantage. I can see now that I am not alone. This company needs to be reprimanded and held responsible for their scandalous actions. I believe this is a lawsuit waiting to happen. I would like to see a class action lawsuit filed against this deceiving and conniving company.

I have both personal and corporate (C corporation) accounts. When performing the conversion to Wells Fargo, I was informed that when I access my personal accounts online, my Corporate accounts will also be accessible. Previously, I had separate logins/passwords for personal and corporate accounts, as is standard data security practice. I was informed by Wells Fargo that they do not support this and my unrelated business accounts will also show up in my personal account login. I explained to them that this is potentially a huge data security issue and they stated that there is nothing that could be done.

A few months ago, my personal online account was hacked and accessed from Mexico. Wachovia stopped the hack and my business accounts were never in danger as a result. Under this new "better" system, all of my accounts would have been breached. I am appalled that a company who should be as concerned about data security as Wells Fargo would conceive such an insecure system.

I intend to close all of my accounts at Wells Fargo and transfer them to a bank that actually cares about data security.

It is now two weeks later and the funds are not available to me. The account is either frozen or blocked. I’m not sure of the difference, but Wells claims the check I deposited was from an invalid account.

I've provided numerous documentations from Citibank, including general ledger, reference letter indicating good standing of the Citibank account since 2009. Also copies of the cleared check from Citibank.

It cleared my Citibank account 2 days later, as scheduled, but Wells refuses to return my funds, maintaining my Citibank account is not valid. I am very frustrated!

3 days later, I am still trying to get my MONEY posted to my account. I have called only to be transferred many times with no help. Now, the Bell branch informed me I can only take care of this in person. Why didn't they when I was there in person? They took fees out for overdraft, but how bout giving you your own back? Wells Fargo is going down hill fast for some customer service.

They didn't want to show me their investigation for the privacy of their clients, but what about me? I' m their client also. I want to see the check, front and back that they deposited by mistake to make sure if it was endorsed with my account number. They did the same thing to my account for the second time in November, but they did not do anything. Please help me.

Truth in Lending missing in the original document. Wells Fargo send paperwork and images, but the signatures are nowhere on originals. Pennsylvania Law states that after many written complaint, the lender has 60 days to make things right. I never gave permission for any money to be taken from my bank account through ACH payment.

Due to these absurd withdrawals that Wells Fargo made on my account without my permission and knowledge, I am requesting $5,000 in overdraft fees as well as $7,000 for ACH withdrawals. I would also like $6,133.62 finance charges returned. $3,000 for the engine I had to replace and $2,000 for the warranties that they have forged signatures on and changed addresses without my approval. $5,000 for the four months extra since my loan was done in March. $20,000 for the time and energy I had to put in as well as the embarrassment and a messed up credit report, and the problems with local businesses and the falsification of documents. They misled me and when I was notified through phone call, the answer I received was “well, you got your title, what's the problem?”

I am being lied to this entire time with threats and stress when my car should have been covered with warranty. I will be sending copies through attached email. $48,133.62 is what will resolve this problem.

Run, run, run.

When I noticed that the deposit to my savings was not there the following day as the teller said it would be, I contacted the bank. They said they would research it and a couple of days later the amount showed up in my savings. A month later, the bank reversed the deposit and withdrew the entire amount, which over drew my account. When I saw what happened I contacted the 800 number and they said they found that the checks were not mine and that they were two separate checks that were made out to a property management company and in different amounts than my deposit. I said "What?" I had a receipt from the teller showing the deposit. They said they would research it again.

A week or so later when no one called, I called and they said they sent me a letter. The letter said that they credited the deposit to my account in error. What??? They suggested I go to the branch I made the deposit at since I had a receipt. I did. The branch manager told me that the receipt did not mean that the deposit was legitimate. What???

The main office of my insurance got an estimate from the accident and mailed me a check for 375.00 with Wells Fargo dealer services and my name on it. Also they told me to mail it in and they will send one back out with my name on it to me.

They also told me that when they sell the vehicle, they will send me a check and ship me the vehicle I had at the time. I didn't receive anything.

I hope this mess their business up for doing customers. If someone soon does something about this, maybe it will be something to someone higher up soon. I’ll get my money on this in a few days. There will be something done about this. They are a get over finance company.

That being said, I had a mishap or a small miscalculation in my account balance. I made 5 small purchases totaling $25 (one for $4, another for $8 and one for $5 dollars, etc.) and I over drew my account for a total of $25!

Even though I had opted out of "overdraft protection", Wachovia let these charges go through and charged my account $70 per transaction! $350 total in overdraft fees, to let $25 worth of charges go through!

I refused to pay the fees and Wachovia refused to take them away. I deposited the $25 I was over drawn and closed the account.

I have filed with the attorney general's office and filing here and i do wish to sue them for theft. They also charged me $15 for transferring money from my savings account to the checking account too many times online when previously I was told that if they have to access money from my savings account they would inflict a $12.50 fee for doing so. THEY ARE STEALING MONEY!!!! SOMEONE SIGN ME UP FOR A CLASS ACTION LAWSUIT AGAINST THE VERY UNSAVORY WELLS FARGO GREED MONGER THIEVES.

An hour passed by, I called back and some lady answered and she said she was busy with someone else and she will call me back. So I waited (that was at 11) and then I waited for hours. 4:30 came and I said "Forget it, she doesn't care". So I called the number on my card and they said I have to pay it but half. I felt that this would not be a problem if she just payed attention to her customers. I would have never got this fee. Times are hard, why should a loyal customer go through this? I have been with them for 7 years and never had this problem until I went to those two branches

What I have learned is that if you want to be treated fairly, you must demand fair treatment and never show a sign of letting them get away with less. Since it is their policy to take what they can get and apparently, have it written into their system to disallow a reversal of a partial refund once the customer has agreed to it. So Wells Fargo now has $7.50 of my money when the products assigned to my account were wrong. That is something I cannot change on my end and can only be done by or remedied by a Wells Fargo representative.

I can let it go now that I'm writing this complaint, but when I think about how many consumers are likely having their money stolen from Wells Fargo, $7.50 at a time, it adds up and show that customer service is only for the very vigilant. I was told that if I had noticed earlier, they could have done something about it. As if they were very generous to give me half of my money back for their mistake.

The deposit showed up online on Monday but so did a deposit correction memo from the bank stating that the envelope had only contained 11 $100.00 bills instead of the 21 that I had placed inside. I was only being given credit for $1,100.00 instead of $2,100.00. I immediately went to the local branch and spoke with a woman I considered to be the head teller about the problem. She contacted ATM services to initiate an investigation.

When I returned home I began to look at all the transaction information contained in my online account. There was an image of a ticket filled out and signed by two tellers stating that the envelope had only contained $1,100.00. On this ticket, there was a space for the tellers to indicate if there was any discrepancy with the amount I was claiming to have deposited and the actual cash that they counted. This space was not filled out. I met later that day with the branch manager, the lead teller and one of the tellers who had signed the cash count ticket. When I asked her why she had not indicated a discrepancy in the space provided for such an incident she replied, "I'm sorry. I don't have a reason."

The branch manager claims all cash ATM deposits are counted under dual control and the teller I was able to question was the second teller to sign the cash count ticket. I have not been able to ask the first signer any questions because the bank now says they will be investigating.

I received a final disposition from Wells Fargo saying that they could find no evidence that the envelope contained the money that I had indicated when it was deposited and that therefore, the deposit would stand at $1,100.00. I strongly believe that I am a victim of teller theft and am considering taking the branch manager and the two tellers who signed the cash ticket to small claims court and letting a judge decide the question.

Further, their bank tellers often pressure customers to open a savings account every time one makes a counter deposit.

Their bank tellers' sales pitch (to open a new savings account) are utterly ridiculous especially in light of the fact that Wells Fargo CANNOT even guarantee their customers' access to their own safety deposit box within a reasonable time.

After 20 min of validating that I was having financial hardships and conveying that I had made my payment on time for the last three years he finally told me I could make one payment instead of two.

I started crying and my husband got on the phone and told the man that he didn't appreciate the way he was talking to his wife. "Derek" told him that he didn't have to do anything he said and that he was the boss and god there.

I told him I would make a payment today but I no longer wanted to speak with him and that I wanted to talk to a manager or another rep. He told me that he that is not how it worked there and ended the call.

I tried to call back three times. The first time, I was hung up on once directed to customer service. The second time, I was sent to an answering machine for an insurance rep. Finally, the third time I was able to reach someone to make a payment. When I asked the name of the rep that I had just talked to she gave me his name but said that they hadn't broken any policies.

Unaware of this situation, I was extremely upset when I got the call. At that point, I said that I would deposit money into the account to cover it from my parent's account but, of course, I didn't know the new account number. WF will not tell me the number over the phone or email or text, nor would they send me a letter because WF had already sent out a previous letter with the account number. I believe, I informed 25 different phone bankers, supervisors, and fraud department bankers that I was not able to even get within 100 miles of a WF in the next two months. It's like talking to a rock, nothing! No attempt to try whatsoever.

Never in my life have I hated a company so much. Then I spoke with three different fraud customer service representatives and explained what occurred with the lost purse. I did not expect the claim to be denied because it was 100% fraud without a doubt! I will never do business, nor will I ever tell anyone to do business with WF ever. You have the worst customer service representatives I have ever experienced. When I worked there, the company was forcing out all the long-term excellent phone bankers and supervisors so they'll hire garbage. Congratulations on the worst most uneducated disrespectful group of new phone bankers.

Now my checking and savings are both overdrawn and in collections now. I now am able to go to the bank and get my account number so I could deposit money that I feel WF stole from me. But right now, I have better things to do. My insurance was cancelled because WF kept returning my automatic withdrawal over and over that the insurance company thought I was unreliable. I paid my insurance in time by mail, but because you kept sending it through over and over, it made me look bad so they cancelled with me and charged me four times $30 for return check charges. I pay 60% of my income in medical bills and have been doing this for the last three years so that is a lot of money to me. Plus they call on my cellphone, which is pay as you go, and your collection people call about 8-10 times a day leaving messages which costs me 8-10 minutes on the cell. This has continued for the last months or so.

I refused to pay for a $40 atm withdrawal and a $29.00 safeway charge when it was a certain fraud and I was told in so many ways by WF that it was. Plus they tacked on a ton of overdrafts. I know that I will never get anything from my complaint but at least I get to tell how horrible and greedy they are.

The date of his 1st check was 7/15/2011, which was fine with them, and they OK'd. Unfortunately, they repo'd his truck on 7/13/2011, which was 2 days before it was due. Its sad, because I have a serious illness that puts me in the hospital at least 2-3 times a month. They day they took his truck, he had called 911 because my oxygen dropped so low, I was turning blue. They were putting me in the ambulance as the repo company pulled up. He told them he has arrangements, and that he needs to get to the hospital to be with me. He was told, "You need to take that up with them, and you're more than welcome to go to hospital, but youre not taking this truck," and they demanded the keys. We just went today to get his stuff out of his truck. The truck is now 4 hours away in NY, and they just threw his stuff in a trash bag an left with repo company (who charged him $35 for a 1/2 full trash bag of his stuff). All he owed was 2 payments of $170 and he was fine.

Hes called countless times, and they are so cruel and ignorant to him. So....they took his truck over $340 being past due. They want $1150 + repo fees + mileage + wear/tear + Unemployment forms to get the truck back. Once we do everything else they want, then we have to drive 4 hours to NY to get his truck.

Wells Fargo always will ask for a double payment. Again my payment and my son's payment are posted with the same date and applied to the current months payment and not to advanced months yet due According to the on line statement of Payment History there have been ample payments made to place the account in good standing thru November of this year. I am too frustrated with the account mismanagement and undeserving relentless phone calls. I for one, would like to file a class action law suit against the accounting practices of Wells Fargo and the e-loan servicing center for their misrepresentation and mismanagement of student loan accounts. If anyone reading this knows how to make this happen they would be helping the multitude of suffering individuals. Our tax dollars bailed out these financial institutions who are making us pay and bleeding us dry just to keep them alive. As tax paying citizens Wells Fargo should be made to provide some restitution for the use of our tax dollars.

Wells Fargo Corporate Benefits then informed me on March 9, 2011 that I had 120 days from 12/31/2010 to provide a written documentation from Medicare explaining that there was an administrative error which caused me to show enrollment in "Part D". In effect, I was told to ask Medicare to correct a mistake originated by Wells Fargo. Medicare told me they would not provide any such letter but would provide me with current enrollment coverage. This showed coverage only in Part A and B, which was provided to Wells Fargo Corporate Benefits.

On June 9, 2011, Wells Fargo informed me that this was not acceptable, and my request for reinstatement was denied. According to Wells Fargo, the Corporate Benefits has "sole and complete authority" regarding eligibility for enrollment in health plans. Even with the facts provided them by Wells Fargo Retirement and COBRA Service Center, they refused to change their position. I am beginning to believe that this is a deliberate decision by Wells Fargo Corporate Benefits to rid the corporation of its obligation to provide retiree health benefits.

My bank, Wells Fargo, is standing behind this unauthorized transaction! The claims department informed me that since I gave out my debit card number, it is considered a legitimate transaction. Whatever! No different than somebody calling up a company to buy a product, only to be told that the item is on backorder, then say the answer is no and you tell them to cancel the order altogether. This is exactly the same scenario. This is the way Wells Fargo treats a longtime customer since 1999. What has happened to my bank?

It was explained to me that this was just a glitch with the ATM and that the ATM corrected itself that if I noticed the $100 allowance from the deposit was in my available balance. I was then assured that the funds would be available from the rest of this check the very next day. On the 17th, I logged into my online account with this bank to see that the funds were not available. I called and spoke with a representative who went to explain that Wells Fargo is rather strict and I'd be required to take my deposit receipt to the branch to access my funds as queer as that sounded to me. I was not able to get to the bank today, so I wrote a follow up email expressing my disappointment and concern about this causing a problem and creating an inconvenience.

After all, it would require me to waste gas driving back over there because of this nuisance problem that could not be fixed albeit, they acknowledged my having made this deposit once I passed all their security questions by phone. Later in the evening, I get a response back now informing me that they have decided to mail the deposited check back to me. This is very unfair, an unusual treatment in my honest opinion as what took place was my husband endorsed the check over to me and I went to deposit it. Simple as that. Now they are creating an even bigger problem tying up the funds $658.00 for 10 more business days! This is ridiculous.

It took two weeks of pestering by me before I got the answer that 16.25% was going to be my interest rate, based on some magic math that was not disclosed when I accepted the credit online. I was told that my only option would be to close the account and pay back the entire amount of the line of credit, and that I was "on my own" in regards to my credit score. Had I known that Wells Fargo practiced these kinds of bait and switch tactics, I would have told them where they could stick their line of credit from the beginning.

About $297.56 or more, I have to figure out the exact amount. When I went to their branch in April, they didn't say anything about that I have to call all the departments to cancel my service and told me I had to pay $500.00 with return the equiment with $572.40. However, they still charge me May and June's service fee.

Two times, I have contacted the number Wells Fargo Dealer Services provided. I was told that I would receive a check for the surplus amount of $8,885.45 within 45 days after the sale of vehicle. It has surpassed the 45 days and I still have not received that check. I tried contacting Wells Fargo Dealer Services regarding this matter. Which now, I am only being diverted to a voice mail and am not receiving any return calls. I ask for assistance to resolve this matter. Any help would be appreciated.

I need the money owed to me by Wells Fargo Dealer Services to purchase another work vehicle. I am the sole provider for my family. The longer Wells Fargo Dealer Services retains my money owed to me, the more difficult it is for me to work.

They took off some of the charges and kept others saying they couldn't prove I didn't make them. I was angry and closed my account. When I got my last statement, there were more false charges to the new number and charges that came after I had closed my account 3 weeks before. They said the (false) charges hadn't caught up to the card, whatever that means.This company has poor customer service or serious security breaches and should be avoided like the plague! I could not even check my account online. They only let you make payments so I couldn't monitor my own account. Horrible service!

I am considering signing up for something like Lifelock. However, if it was someone inside Wells Fargo who was causing these false charges, I'm not sure how a place like Lifelock could help me recoup my loses since someone inside Wells Fargo also has my other information to make it really look like I made these charges.

I recorded it as awaiting authorization and went back and forth in email with the merchant and the bank employees. I sent to the dispute office. I began to grasp a hostile environment, so returned to attempt to thwart it myself, gaining all but $19.00 back. I then could not get the man to return the rest and emails show I was ordered to accept the new contract or else. Contacting Wachovia, I again explained to them what was transpiring, only to find unusual reactions. After some time, I began to realize it was coming from a crew of African-Americans and often heard laughter in the background of snickering, prompting me to begin wondering if this was a discrimination act by dispute office.

In a short time, a man called me from the dispute office, to inform me, he was "going to settle this" very angrily due to what he knew I was filming out of my account. The other merchant was threatening, now Wells Fargo dispute were threatening. He told me that I was going to speak 3-way on the phone with the merchant,and I refused, he was yelling on the phone, I had already filed a complaint with another state on learning the merchant did not have a license to operate in the U.S. As he claimed, so it was going to likely be a criminal investigation, thus no contact was what I needed to do, not thinking Wells Fargo under the dispute who had taken over Wachovia disputes were even involved. I hung up on him after several refuses to prevent discussions.

Within a minute, I had a call back from the man, who claimed he now had the merchant on the phone and I was going to talk to him. I told him off and hung up. Wells Fargo staff then authorized the man to remove the $19.00 out of my account without my consent. Sounds innocent? No. The forced payment of an unauthorized amount to this merchant against my will, locked me into another one-year contract and while the bank dispute office claims it was up and up all my paperwork, all my letters and emails clearly show in no way had I agreed to this.

I was sending messages to Wachovia-Wells Fargo, I had not approved this before, during and after. Gets better; still arguing that they did not have the legal right, they then, after I had gotten the refund, and had refused to allow them to be involved, refused to send the consent form they demanded I fax over that they could take actions, hid a "Courtesy Provisional Credit" added to the account, after I had gained the partial refund myself minus the twenty. At the end of the month, this appeared in the account, along with the sudden removal of it causing the overdraft. Then, as we are arguing they intentionally inflated and deflated my account out of spite, and to gain the overdraft, they hid another small one while the first had not been resolved. Causing yet another overdraft.

I have refused to pay either and have refused to place anything into the account because I have the evidence showing: 1) They were not authorized to act on my behalf as they did. 2) They locked me illegally into a year contract against my will. 3) They posted the amount after I had gotten the refund, their records show, meaning there would be no need for it other than to intentionally inflate the account to do what they did. 4) They provided me absolutely no notice they were doing so (only later did they claim they had sent me the so-called letter though, trust me they never did). 5) They hid the next item in the upcoming situation from me as I was taking pictures of the account almost daily.

I will not pay these, but right now they owe me an estimated $1,200 for forcing me into a contract against my will out of the dispute office. Suspecting these are not bankers as they claim, I did research. They are not, most of them are part-time employees whose requirements barely demand they graduate from high school. They are in fact telemarketers and answering services. The background shows it is a sub-contracted part of Wachovia-Wells Fargo under Diana **, Group Executive Vice President, Wells Fargo Customer Connection and it is all a ruse to the customers. They created what they call the 'Executive Office Secretary' which is to be the higher level and inform the customers this is the Executive Office of the CEO and Board. It is not.

It is set up to to protect the company. It is simply a branch of the online service telemarketing. They state they engage in sending complaints to the Executive Committee. I did not buy it, and I was right. One finally admitted this was also simply employees who supposedly got together and sent out letters, which by the way, are not sent out but appear on the records as having done so. It's all a ruse and front for the company of Wells Fargo CEO to gain protection and fool the customers. None of them have positions worth mentioning and almost all have developed the bait and switch game of telling the customer they would get a supervisor, the supervisor is simply a co-worker, having been GM, you know the game. They kept slipping. They would have to get the manager over them, which for customers, supervisors do not have managers. So it's all fake and meant to thwart the customer from real service the laws and SEC require them to have for consumer protection. I was sent a letter when one of the so-called online bankers claimed, WellsFargo and Wachovia could and did rotate funds as they chose when they chose in any order they chose. In writing. By staff. Proud of it. Daring me.

It was then I began doing research, absolutely certain that Wells Fargo had assisted in creating the situations and there had to be more. I learned of the massive class actions already going on, even in Florida. Then, when I began to suspect discrimination as well was going on, I and my friends started checking overdraft complaints as we found them online, there I was again correct. There is a misappropriated amount of complaints from women who have encountered the Wells Fargo dispute office and all have very strange stories to tell. From what I can tell, it's running 80% complaints of white vulnerable women by comparison to men. Then, I decided there had to be cases of discrimination I knew nothing about and today I was right, there is a class action of discrimination going on of female employees in Wells Fargo-Wachovia which supports what I found so far. Not only are the female employees being discriminated, so too are the women in the community and it appears to be greatly generated under white American women from a power group within the Wells Fargo Corporation and Wachovia. I won't list the hundred of thousands of lies told me by staff, but I will say, I gained a lot of their names and documents.

At one point, a local manager was giddy claiming she had a letter from the fabled "Executive Office" on file and she would just send me that. I let her. The letter incriminates them 1000% but because they are not trained and are simply telemarketers, they did not catch the contents of the letter she sent. They now claim that they do not have a copy of it, and I said, well, that is really bad, since when I told you there was no letter sent to my home as you claim. You said, "We sent it, we have it, we can't prove you got it, that is all that counts." was now applied. I had it, they did not, and they could pretend I sent them a copy of it as they claimed I had been sent.

Often, they claim they can not access Wachovia accounts from Wells Fargo. Complete fabrication. When the company learned at Wells Fargo that I had as much evidence as I had, the online staff immediately accessed my account. According to the local authorities, Wells Fargo is Wachovia. I spent an incredible amount of time fencing off lie after lie by this company and its staff.

Hortencia also contacted my unit secretary and questioned her about my position and why I don't return phone calls to jeopardize my job. Hortencia played like she was a mother of my client and after my secretary asked who was the client she was calling about, Hortencia hung up on her. My secretary is willing to give a statement about the phone she received with Hortencia and I have the message Donna left on my supervisor's phone along with several other message they have left on my work phone flooding my work mailbox (which I have service 81 clients) prohibiting them from contacting me.

This interferes with my work and could potentially get me written up. I have worked with Hortenica in the past in setting up payments for my car note and has made it very clear where I stand financially. However, they continue to jeopardize my place of employment, to no avail. I need someone to contact them immediately as they are jeopardizing my place of employment.

We have had contractors that were not yet paid for their work in 2009 and now they are going to put a line on the property. Our insurance company said that it has been too long and they won't pay for our rent anymore. So now, if **** is not going to pay to put the house finished, we are going to be homeless. They have made a lot of mistakes loosing money, misplacing money and putting us in a real bind.

I then flew to Las Vegas with a key that I had made through the VIN number. I went to the address that Wells Fargo had on file and I did not see the car. I also went to the police station to see if I could somehow get the car or report it missing. They stated that the car was under her name as well and there was nothing that they could do. One of the officers stated that I could file a report for embezzlement, but I would have to send a demand letter first. I also went to DMV in Las Vegas and I found out that the registration was late and the insurance had lapped, and there was an additional fine on top of it as well. I flew back home to send a demand letter of my request, bring the payment up to date, or give back the car. I heard nothing.

Wells Fargo was aware of every move that I made and they knew that I was trying so hard to get the car back but still they had no compassion. They where only interested in the payment. I also tried to refinance the car in my name only, but I had to have the car first. I then drove back to Las Vegas to file a report to the police station. I spoke to an officer and he called the auto theft department. I found out that I would not be able to get Miss ** for embezzlement, so I then drove back to where Miss ** lives and waited and then bingo, she finally came home and I got into the car and drove off. I called the police department to let them know that if they received a call that the car had been stolen, that I am the owner of the car and it was not stolen. They asked why I was calling them and I told them that I'm calling just in case Karen ** calls.

I then flew my nephew to Las Vegas so we could drive the car back to California. I also made 2 car payments to bring the car up to date. These late payments were not reported to any credit agencies. Miss Verna ** kept telling me that I have two missed payments. I made good on them and if she were to really investigate all the calls made to me and to them, she would see that there were no missed car payments. Sure, there may have been a returned payment, but that was due to Miss **. In the mean time, I was still trying to get the car in my name only. I spent many hours and time on getting all of the info that they wanted to refinance the car. At that point, I gave up on the refinancing knowing that Karen could come and get the car anytime and drive off as well.

My nephew had the car for about 5 months and I always had to remind him to make payment and this car had caused me nothing but heartache. I also paid the registration and I brought everything up to date for California. I was only doing my best to save my credit and make good to Wells Fargo, but they were still rude. I decided to get the car back from my nephew, sell the car, have the loan paid off, and get rid of Wells Fargo. I also went into Wells Fargo Bank in Alamo, CA and spoke to the Branch Manager. She told me that I should contact the auto department and see if I could do a settlement. I did that and I was denied. Wells Fargo stated that I did not have a hardship and they would not help me. I asked how they reached their decision and they stated that it was based on my 2008 finances. This is now 2010 and they have no records of my finances at this time. I have been on disability due to HIV health reason.

The car was Blue Booked at around $6,500.00 and the loan out standing was at $9,700.00. I placed the car for sale at $8,900.00 and found a buyer who would pay $8,500.00. I would pay the remainder, no problem. The buying party and myself went into the bank and made payment in full. They made payment of $8,500 and I about $910.67. I also had filed to the Better Business Bureau. I received a call from someone at Wells Fargo and we spoke for about 30 minutes. She would have to contact her legal department and would call me back. She then called me within 30 minutes and stated that they would accept the settlement of $8,500.00. I stated to her that I made payment and I wrote a check for the rest. She stated, "I wish you hadn't as it will make it more complicated to get my money back to me." I stated to her that I could go to my bank and stop the payment and she stated that it would be the easiest way. Not at anytime did anyone state to me that this would be listed on my credit report as settlement.

Almost a year later, I went to buy a new car and they stated that I have a settlement on my credit report. If I knew someone at Wells Fargo, I would have taken the time to explain what the outcome would have been. I would have never excepted the settlement and have had them keep payment of my check. Wells Fargo kept telling me that I did no such thing. I have called San Francisco Wells Fargo Corp. I went there and explained my story to Corp. employees who stated that there should be no problem in making the status on my credit report due to the miscommunication. Now, everyone is covering up and sending me these long letters and making me as if I am in the wrong. I will not give up. I called one of the gentlemen whom I spoke to at the Corp. Headquarters in San Francisco and I called him back after receiving a rude conversation with Verna R ** after only 2 days, stating she had investigated my concern and that there was no possible way she could have read every call made to me. He was very standoffish and basically would not discuss anything more with me. It was as if the legal department had spoken to him and told him not to talk to me. Now, I'm dealing with Verna and she is sending many letters giving me reasons why the settlement is on my report. Put me on a lie detector, you will see that I will pass with flying colors. Wells Fargo is unfair and untrue.

But then on 1/20/11, we received a letter in the mail stating that we were going into foreclosure for not making payments. After speaking to a customer service rep, I was transferred to Bradley **, who was apparently assigned to our account. After getting nowhere with him, I requested to be transferred to Pamela ** since she was the one who advised me not to make the payments. When I spoke to Pamela, she was shocked that I was put in foreclosure since my account was still "In Decision". She admitted that she had told me not to make the payments and told me she would speak with a manager. A few days later, she called back and advised me that she listened to the recorded phone calls and that she had told me to stop making payments but there was nothing she could do. She told me that I was still "In Decision" for the loan modification and that there should be an offer before the foreclosure go through.

I decided not to wait for the decision, which has still not been made to this date. I got the money together to pay the late payments and all of the fees associated with the foreclosure. I believe that Wells Fargo, at least, owes me the foreclosure fees since I should not have been put into foreclosure when I was advised by their Home Preservation Specialist to stop making the payments. I feel that this is fraud and they did this either because I have a lot of equity in my house and a foreclosure would have been worth it financially to them or because they got all of the fees from the foreclosure and they would have rolled everything into my modification. I cannot get to a contact at Wells Fargo who can help me with my request for the fees. My home is out of foreclosure, but I am out almost $1,300 because they put me into foreclosure. I would have kept making payments if they had not advised me otherwise.

We recently received letters indicating that you want us to short sale and that we are under foreclosure. It is important to me and my family to have a decision making representative call us or email us and explain to us how a property that has about 50% equity should go on short sale? Why would Wells Fargo suggest such an option? Also, why are we under foreclosure when payments have been made and returned to us?

We have a total of 9 $600.00 checks cut from Wells Fargo to us. That is a total of $5,404.33 and we get a statement dated 1.7.2011, saying that our balance is $5,613.70. Can someone please contact us or our attorney and explain what this means? I need to know what is it that Wells Fargo is trying to accomplish with us.

Is it that you do not like the fact that I try to pay by monthly and save interest, and instead, what you were doing many years before all this was pleasing the amount on escrow and then applying it when the total accumulated while all the time, charging late fees, fees, and fees? I assume that it's only fair and legal that someone explains this practice where it makes sense to all. Or is it that you are trying to force us out of our home so you can keep the equity?

It seems to be no wonder that Wells Fargo is under such scrutiny with the government and so many states. I just wish that we get the assistance we need to make sure justice is carried out in this abuse of power against a family trying hard to keep our responsibilities taken care off. I'm looking forward for a prompt response from someone responsible in this company and try to be more personal and direct with a signature block indicating who you are).

When I deposited the check, I wrote the deposit slip for the gross amount of the check minus $1,200, which I received in cash. The check which I deposited was more than $5,000. My bank account balance was $582 on January 7, from my deposit of more than $5,000. However, WFB gave my account a negative balance of $645 on January 7, 2011 because they placed the January 11 and January 19 hold on in my account; the check was pended for clearance. My bank account showed a negative balance for January 7, 2011 – January 10, 2011. I wasn't able to take care of some of my financial responsibilities, and I incurred a $50 late fee for a late payment. I need to book airline reservations today and I cannot do it because of the hold that remains on my account through January19, 2011.

When told that the ratio was much higher than the first time we applied, I asked how that could be since we had paid our equity line to zero? I was told the figure used for business income was considerably less than they used on the first application and they were excluding our rental income, even though we have declared that income on every income tax return since 2006 and the checks for such are deposited in our personal checking account at WFB. When I questioned them about this, they said that "determination of rental income depends on the circumstances". Based on this and other inconsistencies in the processing of both loan applications, we feel WFB deliberately and unfairly blocked our ability to secure a loan when the rates were down. We have begun the tedious process again with yet another lender, but unfortunately, the rates have crept back up above 5%.

They arrived at 6 months by deeming him "withdrawn" for summer, and also the 4 months at a foreign university. He has spoken with the registrar's office, and they are going to remove the "withdrawn" status, as soon as school starts up again, and they will show that he has been a full-time student. I spoke with a supervisor at Wells Fargo who agreed that this loan is not ready for repayment yet, pending the verification.

They still call and demand payment anyway. A very rude woman refused to give me her name and hung up on me, when I asked to speak to her supervisor again. She seemed frantic to get a payment before his school has the chance to verify that he is a full time student. When asked if WF would refund the money, when we prove that it is not owed, she said no. In addition, another collector told my son that his 6 month repayment deferment after graduation, would be reduced by the 4 months, that he was in school abroad, but the supervisor told me that is not true.

It seems that while the supervisors know the terms of the loans, their collectors will tell you outright lies, in order to get a payment. One of them "explained" the terms of the loan, and it was obvious she didn't even know the difference between forbearance and deferment. WF should not allow clueless collectors to make legal interpretations of contracts, especially to college kids, who expect that the personnel of a large bank, like Wells Fargo, are credible. They are taking advantage of these kids. They are threatening to ruin my, and my son's credit. My son is stressed out and worried, that they will revoke this semester's pending loan, since they currently have him shown as being in default on his first loan.

On or about the 3rd of December I called again to tell them I had no receive the check and was told the same thing as before, it was mailed out on the 29th of November and that it normally takes seven to ten days to receive it. I called back on the 15th of December and was told the same. This time I told the manager that this was unacceptable they needed to have someone send a check today. He in turn told me I had to fax him a letter telling them I had not received the check. Even though they could see that the check had not been cashed, I was told that this is what it takes for them to cancel the check and send me another.

I informed the manager that this did not make any sense. He said that it is their policy. They claim that they mailed this check on the 29th of November 2010 and here it the 29th of December and I have yet to receive my money. I have called them several times again and keep getting the run around. Can someone please help me get what rightful belong to me (the sum of $240). Any help you can give would be greatly appreciated. Thank you

My claim was opened with the Wells Fargo Claims Assistance Center and recently concluded on December 7, 2010, exactly on their 90-day resolution deadline. I have provided evidence of the falsified personal information including, false telephone number and false email address on the merchants copy and Wells Fargo is continuing to reverse the credited $1,678 and look into my letter of appeal with horrible customer service.

Their Assistance Center is giving me the runaround to different representatives, placing me on hold at 10 minute at a time, having to wait for their supervisors' replies and so forth. The discrepancies that I proved wrong in my letter should have been caught through a supposed investigation. Furthermore, I have never spent an extremely high amount of $800 and $879 via online purchase, nor would have consecutively 2-days apart. Any transaction in such a high amount has always been through check or withdrawal in person at the branch's teller.

These statements can also be verified by looking into my previous and entire history with Wells Fargo. These statements should have been investigated as such a Claims Assistant Centers personnel job description entitles them to. Please help! It is near Christmas and unless resolved soon, I will not have any money to purchase gifts, purchase gas, food, etc.

When I called Wells Fargo I was told that I was disqualified by the 2nd month into the agreement due to a late payment. This was completely untrue as I have the bank statements that clearly specify the check was cashed on time. Nonetheless my question to Wells Fargo was "why not inform me on the 2nd month immediately following the disqualification?” They had no defense or explanation. Wells Fargo has been unwilling to assist me in establishing some form of repayment and has now begun foreclosure on my home.

This is genuine corporate robbery and I for one intend to file criminal charges against Wells Fargo. If this were occurring in any other setting for instance a neighbor coming in my home every day while I was at work and taking my food out of my refrigerator, upon discovering this person I would have them arrested. Wells Fargo has done the same thing entering in a deceitful agreement. Tricking me for months and now attempting to steal the roof from head.

I told the person I spoke to at that time, November 26th at about 5 PM, (did not write down the name), that I would send the $24 late fee with my December payment, but that I wanted to check my records on Monday, November 29th, to be sure the date he gave me was correct (he said they received my payment on 10/21-which was correct). He said, he would note my account. I received a second call on November 27th and had the same conversation with a woman (whose name I also did not write down) and a third call on Sunday, November 28th at 9 AM, again, the same conversation.

At this point, I was becoming angry. I cannot believe that a total of two late payments (never more than 4 days) in all the time I have had an account with Wells Fargo would generate a call that starts out, "This call is an attempt to collect a debt." I understand the banks point, that I paid late and therefore I have to pay a late fee; I get that and I accept it. However, after the fourth call on November 30th from 'Elma', I was made aware that I also had to pay another $30, because I did not make my minimum payment in November.

Apparently, when Wells Fargo adds a late fee to your credit card, it becomes part of your minimum payment. So, although I paid my 'actual' minimum payment, the late fee for October generated another late fee (which they were calling a below minimum payment fee). Essentially, a late fee on a late fee - my rate was also increased. This made me quite angry and I asked to speak to someone other than 'Elma'. This is when I spoke to 'Michelle **,' at about 10 AM on November 30th, who stated she was a supervisor.

Basically, she did not want to hear anything I had to say, the fees would stand and could not be reversed. I asked to speak to her supervisor, which she flat out refused to let me do. She said there was no one else. When I asked her if she would work with me, her reply was, "Fees cannot be reversed. I reverse fees daily in my position, so yes, they can be reversed; she just chose not to work with me. After hanging up, I contacted my customer service representative at Wells Fargo, spoke to 'Courtney' and asked for a payoff. She also started the conversation with "This call is an attempt to collect a debt."

Actually it wasn't, I made the call to get a payoff, I never had any intention of collecting a debt. Obviously, they have a script to follow and read it regardless of the situation, which proves they do not listen to what you have to say. What makes me the most angry, is the fact that they can look at my history with them, and it means nothing. They are calling to 'collect a debt' which is actually a fee they were looking to collect and not my actual payment. They penalize paying customers with a higher interest rate and phone calls from people who treat you like you are a criminal.

I feel badly for those who have missed a couple of payments. If they treated me the way they did, how on earth are they treating those with hardships? I feel that the compounded fee is unfair. Just because they print the 'rules' in a brochure and send them to you, should not mean they can charge whatever they please. How is a person who is having a problem paying supposed to catch up? How are those of us who can make payments on time supposed to get ahead, when fees on top of fees are being charged? Each month, you are late another $25 is tacked onto your balance and since you are not making the minimum payment that's another $30 fee. That means, for someone who has lost a job and cannot make a payment every month, another $55 is added to the balance - that's $660 a year! This is excessive; Wells Fargo should be ashamed of the way they are treating their customers.