Wells Fargo Reviews

I spoke with her supervisor Myra **, and she wasn't any better. She asked me again why I was still late on my payments and she blew me off, and said that we all have payments, that's not a good excuse. I explain to her I recently went through a divorce and she ask me when did the divorce start, and how much I paid for my lawyer. I personally feel like that was not of her business, but I proceeded to tell her that my ex-husband and I have been going through this for 2 years due to abuse, the law was involved. She said, "Yea, I don't believe it took 2 years to divorce. Wow, that was the longest divorce ever." Because a lot has happened to me that she couldn't and didn't understand, it offended me and crushed my spirits. All for payment on a vehicle that I need and will get caught up.

Wells Fargo also have set me back financially due to withdrawing money for my vehicle note twice on the same day which caused overages in our bank account. They did refund days later, and after two weeks of being completely broke and other bills in jeopardy due to the insufficient funds that incident caused, I had to in turn make another payment. This also has caused me to stay behind. Please help me in this complaint.

When I contacted the Jackson County Recorder of Oregon, they had no such agreement on record. Attempts to contact a second signatory to the agreement, Mortgage Electronic Registration Systems (MERS) Inc., were unsuccessful. No one answered the phone and their website gives no information. We have never been told why this third party, MERS, is now involved in our mortgage. I might also mention that we participated in the HAMP program and made approximately $4,000 in payments before getting rejected. Wells Fargo Bank has never told us what they did with our $4,000 and we fear that without a signed mortgage modification agreement, the same thing is going to happen again.

This is the interesting note: During one of my phone calls to the Wells Fargo Loss Mitigation Department, the person I spoke with told me that, "I don't know what promissory note is. They never told us that in our training.” How can such seemingly illegal activity be allowed and is there anything we can do as consumers to get the straight story from Wells Fargo Bank? Not once in two years have they responded to our written correspondence.

The assumption on their part is that I am at fault. The assumption that it is my job to figure this out rather than them. The inability of their system to receive payments in the way (twice a month) I had been paying but failing to notify me about this inability. And the best one of all, my payment inexplicably goes up about $50 per month with no explanation. There is no reason it should and they can't tell me why it did. But still they expect me to pay it while I wait for them to figure out what the problem is, yet I have seen and heard nothing to make me know/believe they are doing anything. My blood is boiling as I write this.

This damn well better not affect my credit rating. It's affecting my health for sure. Notices that I am behind/delinquent are false! All Wells Fargo needs to do is assign someone to research the problem. And hey, even if there might be a delay, how about a little communication that they are at least trying to resolve the problem? The only thing their customer service agents are authorized to do is accept payments (collect that money!). They are not in place to genuinely help with customer issues.

How was I to know that not using the account for whatever set of time would completely close the account? I went into a branch to inquire why the account was closed. I was informed I could re-open a new account, with a $100 deposit. Why should I have to pay to open an account that I already had to begin with? I became annoyed with the rep who was trying her hardest to get me to open another account. I asked to speak with a branch manager whom "somehow magically" waived the opening deposit.

Fast forward to a month ago, I applied for a payday loan (I know, so smart). And once I came up with the money elsewhere, I called the company and asked to have the application cancelled. Unfortunately, this company has no idea what that means and tried to debit my account for a $19 application fee. I called Wells Fargo and asked them to reverse the change, because it was unauthorized. I was promptly told it would take 10 days and I was going to be charged a returned check fee. Okay?

I agreed and asked if there was any way to stop this company from attempting to draft money again. I was told by this representative that there would be a stop payment placed on this company for 6 months. Well, she lied, because 30 days later there was another charge for $44 from this same company, a check reversal and another $35 returned check fee. I called and spoke with another rep. She claimed to have placed a stop payment on the company. Needless to say, my account is currently at -$150 in debits, check reversals, and check return fees.

My last encounter with Wells Fargo was when I finally answered a call from customer service. Only after they called 5 times a day, honestly 5 times a day, inquiring when I would cover the -$150 balance on the account. Are they serious? On top of that, I have grown completely annoyed with the constant attempts to sell Free Bill Pay.

Every time I call, I was bombarded with solicitations of Free Bill Pay, which I decline every time, because I simply do not pay my bills online. The final rep I spoke with had an attitude when I asked her why every time I call in, I am asked to sign up for this service. And I asked why there are no notations as to my constant declines. Her response was, "Well, if you just sign up, we will stop asking you every time you call (and this was stated in an annoyed "just sign up for the ** thing" voice).” I hung up the phone and have requested to have the account closed.

I don’t care if I get free checks (that I will never use), free bill pay (that I will never use), free online statements (that I never look at), or no monthly account fees (I still don’t understand why you charge me to have an account with your company). I have definitely told my family, friends, and co-workers about my experiences. Good Luck in retaining customers Wells Fargo!

I called today and it is too early to pay December's bill. They were unable to help me without my check's routing number, even though I had my ATM card with me. AT&T had no problem accepting my ATM check card over the phone. These people just want to rip you off of every last dime you have.

When I went online to make my next payment, I found that I was unable to complete the transaction. Unable to locate an address on the companies web page I contacted them via email on their site. I was never given an address to send payments and have been trying to play "catch up ever since." Trying to explain to these people that I am budgeted down to the last penny and cannot afford to make "extra payments" every week as they want has been as effective as trying to smash through a brick wall with my head. Via representative "Patrick" I have been promised "a hardship extension" because of an emergency veterinary bill which was over $500, also promised were assistance with refinance to lower my payments and make them "affordable." None of which, of course, ever came forth.

Even with making payments, I was continually harassed with constant calls at home and at work, sometimes as many as 3-4 per week. When I requested not to be contacted at work because it was jeopardizing my employment, I was assured the workplace calls would stop, only to receive one less then a week later! These people have made my life so hellish that I refuse to speak to them anymore. I am tired of the lies and empty promises. Last week (again at work during a very hectic day), I spoke to a woman in the "repossession department" to try and resolve this issue. On the basis that I would make a payment the following Monday, she stated that she would "put the order on hold." A payment could not be made before then because an error by the payroll department caused a delay in the automatic deposits for hospital employees.

On Monday due to an illness now identified as a swelling of the trachea and bronchi, I was a patient in my own ER for difficulty breathing. I was not released until later that evening and went home after filling prescriptions. The payment was made the next day by money gram as requested, leaving me enough money in the account to pay my auto insurance. Under the impression that the matter was resolved, my husband and I decided to follow through with plans made several months ago to travel out of town for the weekend.

Imagine my surprise when I returned home twenty minutes after dropping the dogs at my mother's home to find that not only was my vehicle missing, but my purse containing the medications needed to breathe normally, close to $400 in cash, my cell phone, my digital camera, credit cards, debit card, banking information and checks were also gone. When repeated attempts were made to contact the people who took the vehicle and have my possessions returned, we were told that the office was "closed" until Monday and I could retrieve my belongings by driving two hours and 100 miles at that time.

When Wells Fargo was contacted (after I found a phone number for them written on piece of paper in an old purse), I was told that "No one ever promised you those things because we are not allowed to," and that my vehicle was repossessed because I didn't call in a reference number from the money gram. When I asked if the payment showed in the computer, no answer was given. In one sentence, I was told that I was 52 days in arrears and then in the next I was told that my payments were three months behind. I think perhaps someone needs a remedial math refresher course because where I went to school 52 days does not equal 90 days.

The result: We were left with no money for heat or food. I could not replace my medications because all of my financial resources were in my purse. My health is in jeopardy because of this and as I write this I am finding more and more difficult to breathe normally. We are also out of the expense of the prepaid hotel rooms, the tank of gas I placed in the vehicle and all of the expense incurred thus far including the recent payment of $460.10 made three days ago.

This is not being discouraged by the supervisors because if their team does not meet the sales standards, then the supervisors are held responsible. The standards for sales are continuously getting higher and more out of reach. The call center seems to be focusing more on the profit of new accounts/product sales than to help the actual reason the customer is calling about concerns/questions about the account). I have seen recently on the news about banks doing improper practices in regards to foreclosures and would like to bring this to the attention of someone. Thank you.

In the mean time, they have called repeated times and 1 story I was told was that they bill ahead and that is why it states I'm past due. Again I was told by managers at this point they will take care of and I got a call 1 month ago and was told sorry for any grief or pain they have caused me and again said they fixed everything on there end. Today I get a called at my work and it was collections dept again and I just said put your manager on the phone. He was very rude and now says I'm 90 days past due.

I again, after I got my blood pressure down, was told that it will be fixed and he found that the person in charge dropped the ball and he would personally fix. I said when will I get a call back that it has been taken care of and he said by 5:00pm today. It is 7:00 on the same day and no call. 2 major concerns that I have is that if Wells Fargo can't even take a payment and post it to a mortgage in the proper way and proper time, these people now are reporting to my credit bureau that I'm 90 days late.

After at least 20 phone calls to try and work with them, I want someone to help me give them some of the stress and mistreatment that they have done to me. I know people get late on payments and have hard time to make payments etc because of economic times and I understand that. I however have been lucky and have paid everything on time and have never been late on a payment in 30 years.

I even heard that as one of the reasons for wanted paid ahead, because of economic conditions they have to do business this way. I am a manager for 3 franchise stores and I could never abuse my customers like this nor would I. Suggestions and input would be great. They are trashing my credit if they are even correct on that they say I'm 90 days past due, and they can't even post a payment on a mortgage. I will take what ever steps I have to now to find how they are miss using the system and get to the bottom of how bad they have ** me and others.

They also sent me a letter in the mail for consumer counseling. Are you kidding me! Manager told me in there notes that I hung up on them in one conversation. I didn't hang up on them, my cell phone went dead after being on it so long with these incompetent people. I have 3 accounts with these people and they have just lost all 3 as soon as I get done shopping rates.

I also sent Ms. ** a reminder email last month, and her response was, "I didn't make the offer, my boss Scott ** did." Wow! Needless to say, a financial Institution of this magnitude should have quality staff. Wells Fargo has, and continues, to earn a substantial amount of money from us--now and within the last 20 years. We feel that we were treated unfairly throughout the whole loan process. It is unfortunate that a complaint needs to be filed at this point. However, when speaking to a friend last week, she advised me to file this complaint.

No one in their entire company is competent enough to handle other peoples money. I went to the bank to speak to someone in person. They said the money had to go through a process that would hold my funds for 5 days. I simply couldn't wait that long as my electric bill was due and I late fees are not affordable for at the moment. To have any chance of access to my own money they had me open an account just so they could give me a temporary credit to allow me to access my money that day.

What the bank manager did not tell me was that it was just for that day. However clear the phrase "temporary credit" was to him, he should not have assume I fully understood how temporary the credit was. The next day under the assumption "temporary credit" meant funds would be available until my real funds posted. I went online to pay my electric bill and then I called just to make sure the funds were there and my balance was $0. When I called, I found out how truly incompetent this bank was when explained what happened, everyone, including top level supervisors responded with there's nothing we can do ! This is ruing theme for Wells Fargo.

I didn't get my fund until Tuesday and to add insult to injury, everyone I spoke to was rude and indifferent. I had not experienced this with Wachovia, so wasn't sure how to proceed. No one would help me. No one cared and the supervisors were nasty. I asked if I could speak to someone above me and they said no one could do anything for me. Its sucks when no one cares to try to help. Then it happened again this week and it was worse. They did nothing for me not even a temporary credit or anything, they just keep taking the money and holding on to until Tuesday and the supervisors were even nastier than before. I hate Wells Fargo.

Last year, I applied for a loan to cover school. I have graduated from undergrad and I am waiting to be accepted into a graduate program. Since I technically am not a student any more at UCLA, I technically could not get a student loan. There appears to be no loan for someone in that in between state which is frustrating in itself. I was referred to Wells Fargo to take out an auto loan. Seeing as I only needed $2,000, I thought it was ridiculous that the lowest amount was a $5,000. On a quick separate side note, it also seems extreme to need a co-signer when you own your car free and clear and it is valued above $5,000. If that is the collateral, why need a co-signer? Again, not very customer friendly. I was told that I needed to go into a Financial Dealer Branch to sign my loan papers.

I explained to Alex on the phone that I would have my diabetic grandmother with me who would not be able to wait very long due to the fact that I could only come in after work and that would be around the time she needs to eat and take her insulin. He set up an appointment and assured me that everything would be ready to go and should not take longer than 30-45 minutes. Arriving at the branch, we were nicely greeted, offered water, and shown into a room by an assistant where we were left to wait. After about 30 minutes, the branch manager did come in with papers but it turns out that he was asking me to sign up for an account. I politely refused and then another lady brought in the loan papers. My father and I read everything before we sign the documents and asked questions if we do not understand something.

The lady that was sent in to help us did not know most of the answers to our questions and had to leave every few minutes to ask someone else. After everything was signed, we were left to wait again. For 45 minutes this time and not once did someone come in to explain anything to us. As I said, I am a very understanding person but without an explanation to understand that becomes difficult. After about 25 minutes, I went and asked the female what was taking it so long. I was told that the system to process the loans was either lagging very badly or too busy at the moment and was going very slow. That should have been explained to us. Instead while we were waiting in the room, I looked out at the branch manager, a Richard I believe, and he looked directly at me and laughed. He could see that I was getting upset.

The two people that I mainly came into contact with at this branch were both condescending and treated us like we were not the main priority. I felt the breakdown in communication between Alex on the phone and the personnel at the branch led to a long undesirable transaction. I called Alex afterward to file a complaint with him. When receiving the loan, I had asked Richard if I could cash the loan that day and he said yes. It would have been nice for him to mention at that point that some banks do not cash third-party checks and since both my and my co-signer's name were on the check, we would both need to be there. I understand that he does not know the policies of the financial institution I bank with, but it would have been a great customer service selling point to have that information.

In October of this year, I made the decision to pay off the loan. I called on October 9th to get a quote. I received a fax quote of $2,296 good until October 19th. I wrote a check on October 14th and between my job and my car, I believe I dropped it. On October 15th, I called to request a re-fax of the quote. I was told that the quote would be $2,301 because a computer generates a new quote every day and it is impossible to get an old quote faxed again. I was not told that I did not need a hard copy of the previous fax quote, instead I could have just mailed in a payoff check for the quote amount, which I later learned from Carmen. I was told instead to go into a branch and pay there because I would not have to pay the difference in interest.

I went into the branch to pay and was told that the account balance was $2,210. I asked the teller to repeat it and then asked if she was sure because the quote on the phone was higher. She said that was pay off amount and to write pay off on the check. I did, received a receipt, and left.

On October 20th, I called to make sure that the loan was paid off because paying less at the branch was strange to me. The automated system said that I owed $170. I called guest services and spoke to Carmen who was very nice and helpful despite me being very aggravated. She explained why the amount at the branch was lower and why I still owed on the loan although she said that I only owed about half that. Here is what I do not understand: why do the branch and the auto services not communicate the correct amounts? The way it was explained to me is that the branch apparently only saw the account from the last time it was paid in March and that the difference between the two numbers I was given was the interest accrued in the time since then. I do not think that it is my fault or my responsibility to monitor the communication or miscommunication between a Wells Fargo branch and their auto services.

I went into the branch on October 15th to pay off the loan and was told that I did. I received a receipt. I do not understand why I am having to go through anything else on this loan because Wells Fargo cannot get their communication together. Maybe a $5,000 loan is not a considerable amount to Wells Fargo but a reputation goes a long way.

I am currently looking for a house with my fiancé and if this process had gone well, a more considerable loan might have come to Wells Fargo. Instead, there are multiple opportunities Wells Fargo missed to prove how well put together a company it is with great caring employees. My encounter with Wells Fargo was terrible and I am doing my best to let my loved ones know not to count on Wells Fargo. Addendum added November 9th 2010. I wrote a letter and turned it in to the Customer Service Manager at my local branch on Thursday, October 28th, where I had another horrible experience with this company.

Before arriving at the branch, I called to inquire whether or not I would need an appointment to see a manager. I was informed that the General Manager was out-of-town but I could speak to a service manager. I asked the difference between the two and decided that the service manager would be appropriate to talk to as well. I was told that I did not need an appointment but that the manager would be going to lunch in about 30 minutes and would be gone for about an hour. I decided to go into the branch after that time because I needed to be somewhere else before then. I arrived at the branch at 4:45pm. I was asked if I needed help and then told to sit and wait and someone would be with me shortly. The man disappeared and came back and said that the service manager was on a phone call and would be with me when she was done. So I sat down to wait.

During this time, two people did come up and asked if I was being helped, but no one followed up on my request. After 25 minutes, a third lady came up and asked if I needed help. Upon explaining that I was waiting for a manager, she got a funny look on her face and said she would be right back. I watched the personnel this time as she walked behind the counter to where the tellers were working. There were only three of them at the counter but the line was short and moving freely. At this point, I realized that one of the three tellers was the manager and I was not waiting for someone to get off the phone. I was already a little frustrated at having to wait 25 minutes to speak to someone but I work in a guest service based industry and I understand that difficult phone calls sometimes can take time. But having seen the same three tellers at the counter the entire time I was waiting while the line was completely cleared two times over made me a little upset as obviously no one was on a phone call.

The lady came back and explained that one of the tellers called out and the manager was stepping in to help and would be with me as soon as possible. I told her that I had been waiting over 25 minutes, more than anyone else in line, and would like to speak to the manager right then. After a few minutes, another lady, Zully, came up to me and said she was not the manager but often assisted the manager and wanted to know if she could help me. I could not believe that someone else would be sent to help me after I had been waiting for such a time.

I am a manager at my job and if I treated our guests like that we would not get many coming back. Having waited almost 40 minutes at that point, I agreed. I started off by explaining about my horrible experience with Wells Fargo thus far and why I was there in the branch that day. Zully pulled up my account information and explained that according to her screen I owed $43.41. I wanted to make sure that there was nothing else owed though so I asked her to confirm that number. She said that she would need to call the Wells Fargo Financial line because technically it was a separate company. She also explained that the Financial branch had been closed and combined with the banking part of Wells Fargo which might explain some of the difficulty I was experiencing. I could tell Zully was doing her best to placate me but it almost made me more upset. Zully called the Financial line and after a few minutes came back and told me that I owed $43.75 if I paid before November 8th.

I explained to her that it made no sense because the quote I had received from Carmen said that I would pay $43.44 by October 29th and since the interest had changed to three cents a day, the day before should be three cents lower, hence the original $43.41. She called back and spoke to a representative who told her the same story that the quote for October 28th was $43.75 and she hung up.

I told her that was the same information that I had gotten on the fax quotes and since I was paying today, I was not going to pay the extra ten days interest even if it was only thirty cents. I also explained that if they had told me the correct amount 13 days prior, I would be paying a couple of dollars less so I am certainly not paying an extra thirty cents on principle. Zully then called again to confirm this information and was told that, yes, if I paid today the amount should be $43.41. I asked her to see if she could get something showing that exact amount since no paperwork I received had that amount written on it. The lady on the phone said she would fax something over.

Having confirmed the amount, I wrote a check, wrote pay off again and asked for the receipt. The fax ended was another computer fax quote saying I needed to pay $43.75 by November 8th. It is now almost 6pm. I explained to Zully that I wanted something saying the amount that was due and that I had a zero balance because the fax quote does not say anything about deducting interest if paid early, just adding interest if paid late. She said that was not possible as the check would not clear in the system until at least Monday but I had my receipt and that should be good enough. That made me quite upset as that was exactly what was told to me last time and that was apparently not good enough. I said so to her and asked if her computer printed. She said yes and I told her I wanted a print screen of the account amount and for a letter to be written stating that I had paid the amount in full and my account should now be a zero balance. She said it could not be done especially by her. I asked her to get me someone who could make it happen and was told that would be the manager who was busy helping other customers and it could be a while. I firmly stated that I would wait.

I finally saw the manager at about 6:05pm. Keep in mind the bank closed at 6pm so the other customers had already been helped by that time. She came over, introduced herself as Carmen ** assessed the problem, verified the amount, printed me a letter stating exactly the amount and the balance due, signed it and I was out the door by 6:15pm. Ten minutes after seeing the person I was originally there to see, my problem was solved. That, however, does not replace the hour wasted because a more inexperienced associate was sent in that manager's place.

Again, it was a very frustrating experience and I do not recommend anyone to bank or do business with Wells Fargo. It was just an overall waste of my time.

So I go down to my local branch on Arena Blvd. I meet with a banker that has no idea what she is doing, so she passes me to the bank manager Jason **. We sit down, Jason tells me that he will take over and call his own company, Wells Fargo. We sit there on hold for almost a hour. Finally Jason hangs the phone up and tells me his employees need to go to lunch and he has no more time to deal with me. Now remember, he was calling Wells Fargo, the company that he is a branch manager of. Wells Fargo has lost a customer for life. I left my debit card on Jason's desk

As a result, my name was sent to collections and I am now receiving notices from a collection agency for the overdraft amount, which is also reflecting on my credit status which has been harmed substantially. If not illegal, then it is surely a very unethical banking practice on the part of the Wells Fargo employee. I should in no way be responsible for the overdraft as I was not the primary account holder and had not my ex-sister in law, Janice ** intervened, there never would have been an overdraft in the first place. I have spoken with the branch manager, known to me only as "Scott", who was very unhelpful and who came across as trying to defend the actions of Janice **. He refused to give me his regional manager's name and would only give me a number to the regional administrative assistant named Shari **, phone number **.

I called and spoke with Ms. **, who told me that everyone was in a meeting and that someone would call me back. That was 2 days ago, I have not heard back from anyone. I have left several other phone messages on Ms. **'s answering machine. All have gone unanswered. I need some help in getting this matter resolved once and for all.

According to Nevada state statute NRS 205.372, it's category C to make mortgage loan and foreclose home based on fraudulent appraisal.

My ex-husband needs to pay the mortgage for the people whose house he is buying. The real consequence is that other people will continue to use this man to do their mortgage and winding being jerked around like we have been.

The stress they are causing me is unbearable and I cannot take it anymore. The supervisors both stated that this is Wells Fargo's policy. To ask more than the car is worth is ridiculous! My stress level is high and I cannot take it anymore! I cannot file bk because I work for the government and will lose my job! Help!

I have dealt with Wells Fargo unsavory billing practices before. It's always a big deal to pay your bill. When you call on the phone, nobody knows what to do or how to help you, then you are over charged and charged late fees for no reason. I called Wells Fargo; I asked for information to help me pay my bill. Wells Fargo has had my car not since the spring and the first letter or any correspondence I've ever received from them is dated on 10/23/2010 asking for 2 months payments and 2 late charges. I've been trying to find out how to pay my bill with them for months. I came up with an alternate way because I did not even have a www address for them and now they want to charge me. They can come take this car. I could care less. I hate Wells Fargo; they are thieves.

I placed a 'stop payment' on the charge and at the time WF said there would be a 6 month period for this stop pay. Today, I discovered that WF put this stop pay on all Target debit card purchases, not the one time debit fee. They didn't define in their terminology to include in the statement 'All company debit charges' in my conversation that day.

Target is charging me $500 in NSF fees, but they are being nice enough to reduce some of it. But, the Wells Fargo bank refuses to offer assistance in reducing NSF fees or budge on changing their terminology. I've done stop pays numerous times over the years and no bank has ever done this type of 'blanket stop pay' ever! So, fair warning to all Wells Fargo Bank users who need to do a stop payment. Is it any wonder why the banking industry has lost the American public's trust?

At this point, I do not believe anything they say. Now I have went over the limit by a whole $10. I was called several times this week alone. When I told the representative I would be paying for the account on next Friday, only a week away, she wanted me to put down a postdated check to pay for it instead. When I told her no I will make the payment on my own. She said, "Well, then we will just keep calling you through the week until you make the payment." I told her she could not do that, it was unlawful to harass a customer. She said she knew the law and she could do what she wanted. I said, “No, you can't and I have the right to report Wells Fargo for their wrong doing and I will.” She hung up. Of course, she did not bother to listen or really allow me to speak.

So, I was still in the process of clarifying this with my bank when they started calling me 3 times a day, from 8 am to 8 pm. Then I talked to several agents so that they would stop calling me. I made some arrangement until I can get this sorted out with my bank, but I still get harassing calls. They demand now. So I made payments, and the next day, they called me again. Where is the money? How come we haven’t received it? I gave them the confirmation number. The next day they called again. Where is the money? It takes 3 to 5 days for the bank to post it so you think they would stop calling until they receive the money? This is frustrating and they’re harassing consumers. I tried to be civil with these people. Plus I could hardly understand them because of their accent. It makes me more frustrated!

I had to rent out a car but ended up paying cash to rent it. It was a mortifying experience to get declined when you have more than a few hundred to your credit and to find out this way! Hertz rent a car staff could not believe this also. Our Taxi driver witnessed my son and I putting the money into the bank. Bad way to treat a consumer. Now they decided to bounce checks that were already covered!

Both times, I asked if they had contacted her; both times they had not. Both times, I pointed out that it was her loan, she had been making payments faithfully every month. Didn't they think it was reasonable to contact her first and find out why the payment was late before calling me, a supposed back-up payer, and getting rude with me as though I have done something wrong?

They know that I haven't been making payments for the past five years, do they think that because I co-signed years ago that I monitor her monthly payments? Isn't that a little ridiculous? Isn't she their customer and shouldn't they show her the courtesy of at least waiting 30 days before embarrassing her by calling her cosigner and reporting that she defaulted? She even attempted to get them to take my name off as cosigner, now that she has her own great credit rating, but they refused. It's less than $10K, but they are jumping around like loan sharks are nipping at their feet. A look at her history (and my history) clearly shows that an error was made, but they seem to have only two modes--ignore, or harass.

I had been out of town for business, as well as for personal matters and had called to inform that I would be having surgery and charging a fair amount on my card. They informed me that my card was not valid. I informed them that I had been using the card for over a year. They wanted to put hold on the card. was out of town, and scheduled for surgery. Yes, I became distraught, told them no. I was told okay but to go to local branch when I returned for a new card seemed there were two and I only had one, that was the issue. I went to the local branch as a loyal customer aqnd spoke to a banker who made the call needed. She said they needed to talk to me, told me to be nice and said I wasn't nice on last phone call. I told her, "No, I was not and with reason." She replied that they could cancel my card. I replied, "I've done nothing for that." She replied they can do what they want. I reminded her I was the customer and could change banks. I didn't, out of convenience with the ease of transfers between all of my accounts.

I went to the same branch in Sept. 2010 for papers to be notarized and was told because changes just made that I couldn't notarize. I commented because of the money laundering and took my papers elsewhere. Nothing was of ease for me after the way I was treated as a customer in the branch. The sudden fees added without my knowledge of why they were added, being told would be credited and not having what was emailed to me, done. I changed banks. And then none of my payments were accepted by Wells, said to be wrong account information. I went to local branch, not just email or call. I even spoke with a service manager who could not get what I needed answered. She was a manager at a branch but couldn't see the information I requested. She was very nice to me. I asked her when she called to ask for manager and she was informed that they couldn't see anymore.

I was getting no where and had spent hour in Spokane, drove 300 miles to Federal Way. I never even questioned any of this before because I had received emails that payment was successful. I had never had issues with payments and never missed or been late. Now none of my payments were accepted, charged for 20% interest, returned check, and I had the money in my paying accountt. I went to BECU and spoke to them. They called to tell Wells that I had the money and wanted to help me avoid charges/fees.This was not acceptable by Wells. Every single loan I had with Wells and had set up payments for had either disappeared or had wrong acct for payment. Not a one was paid, and charges are accruing. This just began on 10/8/10 and has not stopped.

I can't get anywhere by going to branch, calling, emailing or even my bank, BECU, who has been sympathetic to me. She even told Wells I wanted to pay, not have fees/charges accrued, and would verify funds were available from my account at the time they were set up for payment. That was not enough for Wells. They did not give me specifics in my emails. They replied thank you, we value our customers. No one ever called me back and the furthest I could get was for a 24-year-old to tell me she was a service manager. When I went to local branch, she couldn't get more than I.

Now, we have a 2003 Chevrolet truck with a balance of about $8,800 and want to down-size to get this loan paid off and get an older truck at a lower loan. Wells Fargo Auto declined to do this. I said we just want to get rid of this large loan and go down to a smaller one so we can keep up with the payments easier. Brenden said they can't do that. I asked why because we want to keep our credit good and be able to keep up with the payments thinking you'd want to help us. Got the same reply. Why and how can they get away with this?

My husband and I are both retired and we're trying to make ends meet but Wells Fargo banks are getting as low dirty as they can go. It's hard and I don't want our credit ruined especially when we are doing the best we can. Is there any help out there for us and others that are in the same situation or worse that could do something? Our letter of being declined will be arriving in the mail soon and I am just boiling and I will speak out against Wells Fargo and will close down our accounts at the first chance I get. First, Wells Fargo Mortgage and now Wells Fargo Auto Finance, the ones we trusted!

The second payment was received by my bank and paid, as were all subsequent payments made before their due dates from the same checking account. The following Wells Fargo statement then deducted the first payment credit from my account and charged both a late fee and a returned check fee ($80). When I called to complain I was told there were numerous reasons for a check being rejected, but they couldn't tell why.

A Wells Fargo supervisor then walked through my online payment info and said it was because there were 10 digits listed by 6 asterisks and 4 digits, therefore I had put in the wrong number. He couldn't tell me what account number they had on record, even though my bank had already processed all previous payments with the information I initially provided. I was asked to re-inter my account number (10 digits). Wells Fargo cannot provide any proof that they even submitted the payment to the bank, nor when, nor what account numbers were rejected. I don't think I should be paying penalty fees when I made a valid and timely payment with information that continues to be valid in making monthly payments.

I told them that I had not received a notice of renewal from my prior HO company and that immediately upon notice from Wells Fargo, I rectified the situation. But it did not matter! Also, even though Wells Fargo states that the $296.93 is for the HO Ins, I have not received a copy of any HO Ins policy from either Wells Fargo or "American Security Group," the name listed on the escrow amount for hazard insurance payment.

I told them it went out through military allotment. I called finance and they said it was the wrong information given to me, and that both checks were coming back to my account. I went and paid 2 months payment to WFAF. I called again to let them know I was given the wrong information for the allotment. This was a different person and gave me a different routing number information. I submitted that and that came out in April 2007. Same thing happened. I talked to Finance, and they told me not to resubmit it because someone at WFAF does not know what they are doing. So I gave up on that.

After that everything was good until 2008. I got my statement and it had over $2,000.00 behind in payments. I called them to find out what was going on, and they told me that Progressive contacted them and notified them that they were no longer my insurance carrier and which I had picked up another insurance company, never a lapse in insurance. This was in June 2007. It was a year later when I got this $2,000.00 statement. I asked them why I was being charged for that and why they did not contact me before they started taking out insurance on the car. Now they want me to pay them back. I told them I was not paying that, I even went to my insurance company and faxed a letter to them stating I never had a lapse in insurance, and I should not be liable for the payment. That’s when it started and to this very day, the phone calls start at 8:00 am until 9:00pm. Finally, I said okay, I'll try to work with them to get this straighten out. I did just as I was told and paid whatever payment they told me to make.

Finally, one guy called and said if I pay $383.00, everything will be straightened out. I did that, and shortly after that, other people from WFAF started calling me, all with different numbers and figures. I told them about the $383.00 paid and they acted as if no one knew what I was talking about. Some months I would make double payments just to get this thing paid off. For the last three or four months, I never heard anything else from them. Now October 2010, the phone calls started again, this time stating I was in arrears of $2,400.00. I asked how is that possible when I have not missed a payment. I have all my banks statements with payments to WFAF. I even took them to my bank, and they looked it over and said themselves that something is not right. The balance they have and the balance from my bank statements are way off. In the meantime, they have on my credit report as me being 90 days late. I have talked to them about sending me my payment history; I have not gotten it yet.

They call your phone constantly and leave their extension number, but when you call, it is always someone different that has different figures and ways to con you out another payment. WFAF is not a good company to finance anyone with. Their employees are dishonest and have no respect. I would just love for all the people that WFAF have messed over get together for one heck of a law suit. That bank needs to have a serious audit. Something is wrong with that company. I believe someone is pocketing or embezzling some money somewhere. I'm sure the CEO probably has no clue as to what is going on within his company, but should be made aware of it. I'm a 25-year veteran/disabled veteran, and I will not lay down on this one, nor will I allow anyone treat and take to me any kind of way. I deserve better than that, but as you can see WFAF is not for the American people.

At this time, we contacted Wells Fargo bank who stated that since the account was already closed, the refund from the seller was declined and went back to their financial institution (www.authorize.net) on 22 September 2010. We contacted Steve, the manager at www.budovideos.com, who verified with their institution that the refund went through and nothing was declined.

Wells Fargo was not willing to provide us with proof of the refund being declined at this point so we could show it to the seller's financial institution. Also, we were told to deal with the seller since everything on the Wells Fargo's side was done. The seller tells us to deal with our bank due to the fact that he is showing that the money was refunded to us, and even provided us with a printout copy showing that the transaction was approved.

At this time, we decided to dispute the original transaction thinking that it would be the only way to get our money back, a total of $661. We spoke with Esmeralda at Wells Fargo in Las Vegas on 30 September 2010, who gave me the number to file a claim. Upon calling the claims department, we were told that we cannot file a claim because the money is out of their hands and was already refunded on 22 September 2010. They would not provide us with any proof that the transaction was returned and once again told us that we cannot file a claim.

Five days later, we received a letter in the mail stating that our claim was being closed, a claim which we were not advised we had as we were told that we cannot file one. After calling Wells Fargo yet again, we were given a reference number which still did not show that the refund went through. We asked for another agent who informed us that the money was refunded on September 30th. I asked to speak with a manager, whose name was Crystal, and she assured me that she would assist with this issue and called the manager Steve at www.budovideos.com.

As of October 6th, the seller nor his bank have not received a refund. I spoke with another service agent named Antonio, who told me that the money was already refunded on September 22nd. Antonio was very rude and refused to provide any information except to call the merchant myself or file a subpoena. I asked Antonio for his manager and he refused, saying that they would agree with him. When I asked for Crystal, who stated that she would help, he told me that she agreed with him as well. I explained to him that the reference number he provided was not found by the other bank.

His response was why was I given this reference number when Wells Fargo knowingly knew that the other institution would not be able to track it. His tone and attitude were condescending and since he had no explanation to give me on where my money is or to prove a refund, attempts to reason with him were ineffective. His final explanation was "it is out of their hands and we must contact the other bank." Again, no evidence was provided by Wells Fargo and they would not assist us further.

If the money was indeed refunded, then why, over two weeks later, has the other bank not received it? Other agents we have spoken with have told us through the phone that they have "no idea" what to tell us at this point. One even laughed saying that our money is floating around in the atmosphere, which I am tending to agree with. The alarming part of this entire nightmare of tracking your money is that no one can provide support to us that indeed a refund was sent and that it was sent successfully. What struck me also is that no one at Wells Fargo was willing to get to the bottom of what happened to our money.

I work in a billing services department and when there is an issue, I always try to resolve the issue for the person on their behalf as they would not be able to do so on their own. And I always have backup to support what I am saying. All attempts to resolve this issue have been futile. Today, we called the claims department again, and spoke with the manager, who asked to put me on hold and then hung up on me. When I called back, the department was already closed. What a great customer service.

Wells Fargo committed prosecutable crime against us. We lost our home. Something is wrong with this picture.

Here are the facts:

Cases of Attorney Generals indictments against attorneys, loan brokers for teaming up make fraudulent loans to defraud homeowners.

2. It is illegal for Wells Fargo to wrongfully foreclose our home based on fraudulent appraisal and mortgage loan. You can find all the facts on our website. **

Today, I received a copy of the application and promissory note, in the cosignor's signature line it reads "Electronic Signature on File." The loan is dated 7/28/2005 and my son was not even in New Jersey. He lives in California. I need to know how to have Wells Fargo remove my name as co-signor for a loan I never signed.

Also, my son has lived in California for several years and has for the last several months, he has been making payments to Wells Fargo Educational Services. He has agreed to a payment plan but the harassing phone calls continue to come in daily from several different phone numbers. How do I have the loan discharged from my name as co-signor? Wells Fargo has tacked on late fees and collection fees. And everything I've been reading online about Wells Fargo not applying any monies paid to the principal, I know this loan will reach $50,000 in less than a year.

I am a retired firefighter. I have worked 30 years in the City of Bayonne. I want to know how they can send me a Loan Contract without my signature on it and make me a co-signor without ever receiving a loan contract from Wachovia. I should have received documentation back in 2005 when this loan was applied for through the internet. The banks should not be able to use this tactic for loan applications.

As a result of not honoring my request, a payment was made to QVC by Wells Fargo in the amount of $330 on March 2rd, 2010, overdrawing our account. There were several representatives from Wells Fargo who contacted my husband and I. When we received their calls, we informed them that we filed for bankruptcy and they need to contact our lawyer. The representatives insisted that they were not going to call our lawyer because this charge was made after we filed bankruptcy. Suggesting we went out and charged product after we filed bankruptcy.

The customer service representatives have failed to realize that this was a flex pay payment that was set up 12/28/2009, prior to us filing bankruptcy. There were three payments scheduled to deduct from my account in equal amounts over three months. Wells Fargo was informed that we filed bankruptcy on February 26th and should not have paid that flex pay payment on March 2nd to QVC.

This is no fault of ours and we should not have been reported to ChexSystems. When a consumer filed for bankruptcy, they are ordered not to pay any debts. And they are ordered not to speak to creditors. The attorney handles the communications. When we filed for bankruptcy on February 26th, we were instructed not to pay Wells Fargo or QVC amongst all of our other creditors. Had Wells Fargo closed our account when requested, there would not have been a payment made to QVC from Wells Fargo.

I see two errors here. Wells Fargo did not close the account when requested by the customer. Wells Fargo paid a debit even after they were informed their customer filed bankruptcy. This is not our error. This is an error that Wells Fargo made and should be held accountable. Because of this error, we have been reported to ChexSystems. The law should have protected us. The Wells Fargo representatives should not have continued to contact us. We should not have been treated the way we're treated. We should not have been reported to ChexSystems because Wells Fargo covered this charge that was a scheduled payment. I have documented the dates and times that Wells Fargo representatives harassed us.

One representative in particular, Brandon, was extremely rude and demanding. Brandon was yelling and screaming each time he called, demanding that we better pay this debt. He stated he would not call out attorney. He had no need to because we went out and made this purchase after we filed bankruptcy, which is not true. This payment arrangement was made 12/28/2009. He would not listen to anything that we had to say.

It was a very disturbing and unprofessional phone call. I would like this issue resolved. I would like our names removed from ChexSystems. We did not overdraw our account by making this charge on March 2, 2010. We knew we were filing bankruptcy and requested that our account be closed. Wells Fargo debited the amount of $330, which overdrew the account. Wells Fargo was informed that we were filing bankruptcy and covered this scheduled payment anyways. The charge should have been denied with the information that Wells Fargo had.

When the supervisor got on the phone, she was not rude and explained the dates they had tried to contact me and proceeded to name approximately 10 dates or so. I asked what number she tried to call as it was not the number they just contacted me, which was my contact number. She read a number to me that was not my phone number and never was. She said there was nothing she could do about it at that point, but agreed to document that they had an incorrect contact number. She also apologized for the behavior of her employee and agreed to speak to her.

They lie and will not tell me the truth. I have tried to negotiate with them and nothing. They have not sent me any correspondence to my account being charged off. When I ask about my account information, I am patronized and insulted by their departments. They scream and yell at me on the phone when I am just trying to get information on my account. They interrupt me rudely and scream on the other end of the phone making it seem as if I am the one that creating the problem when I am not. I have witnesses who will testify to this. The co-signer tried to pay the debt down and Mr. ** and Mr. ** refused receiving payment. Threatening the co-signer with all sorts of action of the car, they demanded all the monies up front for my vehicle or else.

This is improper behavior for an institution and certainly unprofessional. I tried to reason with them and they refuse to send statements to me, I asked for a copy of my file since they said I may request a copy, which I did. They also told me that they have a "history of me being short" and that I may receive a copy of those notes from Mr. ** for my files. I am not short with them. It is them that are short with me and continue to harass me. They refuse to send any type of correspondence regarding my account including a copy of my files for this past 2 years. So I don't know how much is left on my account so that I may try to find a way to resolve this matter.

They somehow got a hold of family members, calling them regarding my account and asking them questions about me. Please assist me with this matter. I am trying to resolve this matter but they keep yelling, screaming and threatening me. This is a lot of stress. Please tell me what are my rights as a consumer.

Wells Fargo can't be getting away with this in hurting people and holding captive their titles. Especially since I am actually trying to work something out with them. Can they hold my title captive?

They are not correct with my information and yet they refuse to assist me. I don't even receive statements from them regarding my account. I've been calling them so to settle the debt and nothing. They tell me that my account was charged off and will hold my title hostage. Then I spoke with 2 other people and they both tell me that my account is not charged off.

They lie and will not tell me the truth. I have tried to negotiate with them and nothing. They have not sent me any correspondence to my account being charged off. When I ask about my account information, I am patronized and insulted by their departments. They scream and yell at me on the phone when I am just trying to get information on my account. They interrupt me rudely and scream on the other end of the phone making it seem as if I am the one that creating the problem when I am not. I have witnesses who will testify to this. The co-signer, he tried to pay the debt down and Mr. Andrew and Mr. White refused receiving payment. Threatening the co-signer with all sorts of action of the car; they demanded all the monies up front for my vehicle or else.

This is improper behavior for an institution and certainly unprofessional. I tried to reason with them and they refuse to send statements to me, I asked for a copy of my file since they said I may request a copy, which I did. They also told me that they have a "history of me being short" and that I may receive a copy of those notes from Mr. White for me files.

I am not short with them it is them that are short with me and continue to harass me. They refuse to send any type of correspondence regarding my account including a copy of my files for this past 2 years, since I have not received correspondence from them these past 2 years. So I don't know how much is left on my account so that I may try to find a way to resolve this matter.

They somehow got a hold of family members, calling them regarding my account and asking them questions about me. Please, please assist me with this matter. I am trying to resolve this matter but they keep yelling, screaming and threatening me. This is a lot of stress. Please tell me what are my rights as a consumer. Wells Fargo can't be getting away with this in hurting people and holding captive their titles. Especially since, I am actually trying to work something out with them. Can they hold my title captive?

So once again, I called and spoke with someone who is supposedly creating a case to fix it but did something wrong, which I didn't know. I called a few weeks later to find out what’s going on. I spent over an hour getting transferred from person to person who are supposed to fix it, but once again don't and don't tell me. I called again and got another ** who doesn't do anything. It’s been over a month and now they have drained all my accounts because of it. I'm left without anything because I tried to trust a bank.

Finally, after an hour of conflict, I demanded his manager's name and phone number. Just as I was calling his manager directly right in front of him, he threatened to call the police on me. I reported the entire story to his regional manager who so quickly understood what needed to be done. She released the funds and wired the money to the escrow company for closing. The problem with this story is that the branch manager, Neil, could have done the same thing when we walked in the door. According to him, he had the authority to do it. He just refused to solve the problem on any level or escalate to his management when we could not reach a resolution.

Fortunately, his manager cared about doing the right thing and resolved the problem. What should have been a 5-minute transaction took over 2 hours, causing us to miss our closing by an hour and a half. Our closing agent was gracious enough to stay after hours and wait for us. All this was entirely unnecessary and should never have happened. I hope that you will learn from this experience and avoid doing business with the Gig Harbor branch of Wells Fargo.

#2. Several months ago Wells Fargo charged me a fee for depositing $1500 cash. I was told that this was to cover the time to count the money. There were 23 bills, no coins and the machine counted it in less than a second, which based on the fee is about $900,000.00 per hour for Wells Fargo.

#3. Wells Fargo did not credit me for a deposit I made and had a bank receipt for. I was told I would have to pay a $45 fee for them to research the error that they made! It was nearly 3 months before the money was put in my account. I then had to fight to get the fee waived. I am moving my checking account to another bank.

#4. I chose Wells Fargo for a reverse mortgage despite these problems because of the new federal consumer protection laws and, out of 9 banks, Wells Fargo's "good faith estimate" for bank fee charges was the lowest. After applying for the mortgage, the fees jumped 400%. Fees are added onto the mortgage and interest is charged everyday. When I told them I would not use them for the mortgage, they found their "error": one large fee had been added in twice, others were incorrect. The day before closing, they again added charges for fees I had paid out of pocket.

Throughout the process the Wells Fargo associate complained about the new consumer protection laws, was evasive about giving me information I asked for because she "didn't want to bother me with details because I was so busy" or that there were some answers I "did not need"! On the day of closing, I waited 2 and 1/2 hours because they spent the time following their GPS in the wrong city (11 miles away) rather than going to the right city after I gave them the correct directions 4 times on the phone.

I finally had to drive to where they were and have them follow me! Now sufficiently stressed, we finished the closing and was told for the first time that funds (the equity in my home that they now own) would not be available to me for 45 days even though I had previously been told I would receive a check for a requested draw at closing. Interest is paid on the fees and the draw I did not get for the entire 45 days. I went through with this mortgage despite my misgivings simply because my persistence forced them to correct their errors and honor their promises and I believe that I have FHA protection hereon.

Conclusion: Wells Fargo was the very first in line for federal bail-out money in 2008. They have since repaid the money, but the public paid to save them and they are arrogantly resisting making funds in the form of loans available to consumers, both private individuals and businesses. And apparently, they are making every effort possible, large and small, to gouge the customer who is not observant or tenacious.

I contacted the trust department in Nevada (that is where they moved my funds). The representative hung up on me. I called back to try to reach the Trust Officer. I finally reached this woman. I told her my CPA said I had a $200,000 tax liability due to reports from Wells Fargo advisors and asked her if I could speak with their legal department. She refused to give me the number. I finally reached a Kynesha ***, in the legal department, who told me there was no record of a Durable POA or sub trust.

I have two online personas which have been verified as being under my identity. I have traced the funds from a URL that was on a proof sheet for identity theft. I have asked this institution to return my inheritance. They refuse.

I have two liens on my credit report for income tax (income I did not receive). One of the liens is from the California State Franchise Tax Board. They threaten to take any property I own in Sacramento (I do not own any property in Sacramento).

I received the funds in 2006, but everyone who has had a chance to deplete the funds by unlawful means has done just that. I transferred the funds out of Wells Fargo when I noticed a sharp decline in value, I now had $437,000. My trustee cut off my funds during the transfer, leaving me without any money whatsoever. Then this bank charged me a $1,000 fee for the transfer. I have noticed manipulation of my statements for extra fees, erroneous fees, strange transfer in the name of Brown without any reference number, but under my checking account number.

I traced a URL for my identity to Pahrump, Nevada, Air Internet. I found that the owner of the email address that was on my proof sheet was a Paul ****with a wife by the name of Patricia ***. I was looking up my credit for business. I found my family's business, the name Air Internet was on the credit report. I called the Wells 800 number to ask if there were any accounts under my SS#, they said there were not any accounts listed under my number. My new investment company listed my net worth at $1,000,000?

Sure enough at 2:38 that same day, a man called from Wells Fargo, again telling that it was a "collection call". He also wanted to know if we intend to continue occupying the property! I told him that a lady had already called from Wells Fargo and spoke to me about that issue. I told him they had no right to continue to call me since Wells Fargo had already called me and spoken to me that day. He told me that they did have the right and could call up to 6 times a day until the payment posts. He also could see on his screen that the payment had been made that day online.

I called Wells Fargo to complain about the harassment. The lady I spoke to told me to "move on" that the automated system makes the calls and to disregard any further calls. I argued the point to her that there should not be any other calls that day. She told me again that we may get more calls. I argued the point with her that it is an illegal collection practices to call repeatedly after reaching the "debtor." At 5:20 that same day, another man from Wells Fargo called with the same "collection call" statement! I demanded to speak to a supervisor. When she finally picked up her line, I told her about the three calls I had received that day. That I was very upset about the harassment and intended to file a complaint with the Office of the Comptroller of Currency. That did not seem to bother her a bit.

I then mentioned that I also intended to blog about it to every site I could find. That struck a nerve! She threatened me that they could come after me for defamation! I recorded that call. I hereby challenge Wells Fargo to come and get me! How dare any ** like that violate my right not to be harassed, then threaten me if I tell people about it. They know those government agencies are lap dogs for industry and pose no threat to them no matter how abusive they are. Well, the key pad is the new sword and I intend to use it!

The following spring, I took out of my personal savings account approximately $5,500 and purchased a new carport/garage. In 2010, we had a heavy snow, and the carport collapsed. In mid-July, a check was issued to me and Wells Fargo by The WV insurance Co. (my home owners insurance) for $,6000. I contacted Wells Fargo Property Loss Dept.. They told me to send the check to them, they would sign the check and send the check back to me. I did that. The check was sent back unsigned by Wells Fargo, stating they wanted me to sign the check first. I signed the check and sent it back to them.

A few days later, I received a letter from Wells Fargo stating that I needed a itemized adjuster's work sheet, a signed contractors form for completing the work, a conditional waiver of lien form(s), and federal tax identification by the contractor. I called Wells Fargo again and asked what these forms were(I thought this would be as easy as signing the check then Wells Fargo signing it and sending it back to me). During our first conversation the staff made it sound that easy.

I come to find out I was told that they made a mistake on my claim and thought it was for $18,000. They assured me the check would be in the mail by this Friday. This was the first week of August. I called back the following week. They still have not sent the check. Wells Fargo is now requesting just the Adjusters work sheet. They lost the work sheet two times. One day I called and the staff told me the check will be issued in 48 hours. The next day I called back and they are still requiring all the forms. This has been going on since approximately mid-July of 2010.

I did advise them that I was building the carport myself. It is now September 8, 2010. Wells Fargo still has not released the check to me. I have been told four different times that the check will be released within 48 hours. I have yet to see the check. The best part about this whole rigamarole is that this carport was purchased by me with my own personal funds after the purchase of the house and property; it was never part of the appraisal or property that was originally purchased.

Wells Fargo is holding money that belongs to me and will not release it. What do I have to do to get my money? It seems I have cleared every hurdle that they require only to get beaten back down by the individuals that have the first lien on my property. I need help. I cannot replace the damaged structure without money. Contractors that I have talked to want to be paid at the completion of their work. They do not want to deal with insurance or mortgage companies because of the hassle. I want to build the carport myself. In the mean time, I'm in the process of refinancing my home at a cheaper interest rate with Wells Fargo but refuse to do so if they are not competent enough to simply sign a check and return it to me as they portrayed this would be a easy task.

The number I have provided for you is the number that was last called to me today. They may be be a collection agency but they are working for Wells Fargo. Please help provide me with the information I need to stop these continuous phone calls. The person that called today was very rude to me and reduced me to tears before hanging up on me. Thank you for your attention in this matter.

This is not true. My mother had great credit until she became ill and has always done her best to make all her payments to everyone on time. She has skipped getting her medications because she felt so intimidated by these people and was worried what they would do if she didn't pay them. They are rude on the phone and upset my mother very much. She has a bad heart and does not need the extra stress these people have caused her repeatedly. Please check into their collection policies and the amounts they are charging for late fees. I really appreciate it.

The branch advised me to call their corporate office and ask whose income did they use to give me a loan and that my husband did not sign the note and that they overlended because our home has never been appraised for the amount they gave me and would never be appraised for that much in a good housing market. The man that I spoke with at the corporate office said that it seemed there was fraud involved in the application to obtain the loan and that he couldn't help me. It is likely that our mortgage could go up as much as $200 a month if we are unable to refinance due to the paperwork being altered and could face foreclosure.

When they finally called, I made a different arrangement with them where I would make a total of 3 payments within a 4 week span. I made the first payment and was due to make another payment this Friday! Today I got called and was told that I didn't make any payment. They said that they were going to seize all my assets, make sure we aren't able to get an account anywhere for 5 years. They said that they would freeze my other bank accounts and intentionally ruin my credit because they have the authority to do so! When I told the guy, who didn't give me his name because two people picked up my call at once, he told me they are within their "collection laws in California" and they aren't harassing. And he said that I broke the agreement 3 times. If we broke the agreement 3 times, I am wondering, who they spoke with the third time?! They only speak with me and refuse to speak with my joint account holder.

They said that they were sending us to a collection agency! I had a problem with them prior when I had a savings account. They kept assessing the fees for my account when it was at its sustainable $300 balance within 2 months of opening the account! I am glad that someone sued them over putting the highest transaction first! I wish they can pay me back for all my fees that I paid!

Anyways, trying to close an account has been met with huge hurdles, different people telling me different ways to go about it and furthermore saying it may take up to 90 days to close an account. Again, we owe nothing and even if we wanted to borrow, the credit available is zero. So what is the big deal in closing the account? The branch officer told me it would take 48 hours and now we are well past that. She will not return my emails or phone calls. Calling the home equity department, they say to have the mortgage company request a demand to show that we owe nothing and that officially closing an account takes anywhere from 60-90 days. The mortgage lender does not want the amount owed, but a closed account. I think we are going to lose our loan deal because of the delay of Wells Fargo. Unable to obtain refinancing at 3.8%. Stuck with our current 5.5% because of Wells Fargo

Now the weekend is here again. I haven't been able to pay any rent, this is the third month and I have received an eviction notice. My lights and gas are all ready off. I have two children sitting in the dark and school is starting Monday! I feel like I've been through another hurricane! Can someone please find someone that I can call because this is just way past the point of ridiculous. This situation has effected my family in a major way and no one should suffer like this. It's crap! How do you hold someones income tax check or any money for that matter? I will give you the branch information when I get a return call. Thanks.

It was all bank fees over drafts and reversal charges I have not worked since 8-11-08. I am disabled and can't afford this outrageous charges for no reason. They always put the largest credit through when in reality it should take a few days also the checks they put them through the same day giving me no chance so I could not make a deposit in this account because I had to use my money to pay the bills that were delinquent now plus $25.00 to all my utilities, time Warner gas co, student loan, Anaheim utilities. They don't give anybody a chance why could they not informed me of the legal order fee ahead of time so I could be prepared.

The same thing happened to my daughter and also my brother. All with wells, this is not fair and I want to fight back now, for 3 weeks I have been receiving rude phone calls from them and they call 6 times a day. They start at 8:00 am and continue all the way to 8:00 pm everyday. This is harassment. What do they want from me? Please help me. I have all my proof of there transactions and statements online.

I understand late fees but when an arrangement for payment had been made and they didn't even give me the chance to abide by it is a bit unfair and for them to say now after all this they don't have record of our conversation is unreal. They called me up to 6 times daily every single day and harassed my mom or my co-signer and even me. They were told many times that my business was slow with economy problems but I was still making payments within 45 to 55 days. I know that's not good but I was doing my best.

My car was my livelihood. I sell jewelry at markets and I'm a single mom. I live with my mom to help her and she helps me but we can't get to doctor appointments, blood test, food stores, get prescriptions and my sons school needs. I'm pretty much jobless and soon homeless if I can't get some help. They knew I was having problems. I thought $900.00 would help but now they want $2,441.46 and I don't know how to get it when I can't even get anywhere to work. Please help.

I will never use Wells Fargo for anything in the future and I will be making sure that every person I ever come into contact with knows their poor service and failure to even stand behind their own word!

I assume this causes them to do lots of paperwork only to find the account is current. They are bottom feeders who are drunk with power. I had the same problem with Chrysler Financial. I'm a server and with the economy my money isn't what it used to be. I always pay my bills but lately they are just a little late. After doing this to the Chrysler people for a good nine months. The thuggery stopped.

Now when they call me they sound like reasonable, rational, polite people. If I tell them I will make the payment in one week, instead of demanding a pre-authorized payment that very second, they politely make a note in the system and leave me alone for the week. One time this is what I said to a rude woman from Chrysler "Is this being recorded? Yes? Well, can you also type a note into the system for me? Ready? Here you go, I am disgusted with the people that Chrysler chooses to represent them when attempting to collect a debt so know this, I will never, ever, not ever pay this bill on time. I will also never ever not ever pay your late fee because of it. So keep my number on speed dial and get ready for me."

You see, things are just as bad in North Dakota. Do not let a 4.1 unemployment rate fool you into thinking that there are jobs. There are not. So that removal hurt me in terms of paying bills and having money for food and medicine and the essentials. I am keeping a roof over my head and trying to keep up on insurance, medicine, utilities and co pays. The hospital bill for dialysis as well. I have explained my situation to the bank numerous times and they just turn a deaf ear. Worked with them to get the credit cards down to $100 a month and thought my ready reserve was the line of credit and this was taken out of my checking account.

The agency that my line of credit went to was CCR IN Illinois, affiliated with the bank. I was told to call them for any questions. When I talked to this toll free number and so I did, I talked to a Scott who called me a liar and a deadbeat and told that, "We got our money. That is what we wanted." I told this man that I was not a deadbeat, that I was unemployed looking for a job and that I was disabled and on dialysis and I could not do the lifting required of the nurses today as well as being on my feet constantly, but could manage other healthcare jobs that is when he called me a liar and yes they have heard all stories.

I called Wells Fargo in Iowa and begged that to put that money back in my acoount. Josh said that he had the power to not do anything and that is could not be reversed. I told him that this money means the difference between being homeless to me and a job. I recently did not get a job because of the credit check and asked what I could do to appeal. There is nothing I can do. These younger people are ruthless, unkind and treat you like you are not human. They do not take into account the human factor and the unemployment rate what so ever.

The last call that I got from Wells Fargo was a banker asking me to deposit a certain amount in my checking account by Friday. I asked her if she would like me to rob a bank or write her a bum check. I said, "So you think that I have got money? I do not and you have my statement in front of you and you see how it has been bad since your bank robbed me of the money used for me to live on until I find employment. Your bank has caused this and you need to reverse this and all the fees." I also told her that obviously I do not have money that is why the overdrafts, duh, and the letters and calls were not going to help. What will help is a job and although I am interviewing, my credit report will prevent it now.

This is Wells Fargo. They do not care about working with you. They like to call to the point of harassment and send letters. They have all these 20 plus sociopaths working for them that bully, cajole and if you are my age, treat you like you are ready for the grave. I have been with this bank for 30 plus years and have never seen this side but the lack of quality in their younger workers is appalling and to think that these are tomorrow's leaders. They are the type that do not listen, want things their way and do not care about the customer. All they care about is making money for the bank and getting promoted as a result there is no human factor whatsoever and do not believe their ads. They are fraudulent and are just deceptive advertizing. Kim from San Francisco never got back to me and the CEO does not take personal phone calls. Please help me.

The only thing that I can see is to go off dialysis and prepare to die. Do not know how much I can take it. It has put me in such a position that I do not see a way out. That $3700 was like gold to me. Finally, I got to see my physician in primary care after two years. I could not afford co pays and had to let medicare go. I could not afford it and do not qualify for medicaid. People like me cannot afford the quality health care even with insurance and that $3700, at least put food on the table, gas on the car and kept the oil changes current. It kept the cats fed as well. It is not that much money and all the fees that they have charged me, at least $1200 or equivalent to my only check. The bank knows the situation and they coldly took the money. Please help me. Just do not know where to turn. Thank you.

Each one tells me something different & I can't seem to get this resolved. I never had any problems until Wachovia & Wells Fargo merged. I have spent a good 20 or so hrs trying to resolve this I never had any problems until Wachovia & Wells Fargo merged. I have spent a good 20 or so hrs trying to resolve this & am at my wits end. The banks should have a better way of handling this. Tormenting the customers is not the best way to do this.

I stopped answering the phone the phone and they switched to not provided so I wouldn't know who was calling. I have tried to explain the problem I was having but they just cut me off and won't let me talk and are just really rude and threatening to repossess my car.

Today (07/30/2010) I talked to a person named Michelle and I told her if I could pay this thing off I would just to get rid of you people and she said in a real nasty tone “we wish you could to get rid of you". The words may not be exactly right but they probably have it recorded. These people need to be moved to jobs where they do not talk to customers or fired for not having the people skills to deal with people in the right way.

Now I have read the complaints you have online and they are all like mine and I or maybe we think that it's time that you do something about these threatening rude and not at all friendly people. I have never been treated like a thief in my life and that's what these people make me feel like. I don't like being behind myself but I am not going let them treat me like that either. I am a very responsible hardworking individual working two jobs most of my life. And just because I fell on some very hard financial and trying times this past year, I do not deserve this kind of treatment from this company!

I am real estate agent and frequently do BPO's and Comparative Market Analysis for clients. Conservatively my property is worth a minimum of 700K, (my neighbor sold their inferior 5 acres for 1.4m a few years ago). Wells Fargo valued it at 310K. Their method for contesting the valuation is to give them properties which have sold in the past 6 months within a 1 mile radius. There are no such properties and I gave them 14 pages of comps based on various criteria (greater radius, decrease of acreage, minus lake, pool, stables, dock or other features) which documented how ridiculous their valuation was.

After more than a month I heard nothing from them. The reduction of my existing limit was bad enough, but since they did that, it reduced my credit score, which caused a further chain reaction of other lenders reducing my available credit, thus further reducing my credit score. I have never missed a payment on any card or mortgage ever! The incompetence of Wells Fargo in doing the valuation is one thing, but their lack of adequate explanation or response is even worse. Reduction in credit score which results in the loss of available credit. I cannot take advantage of lower credit rates, get additional loans for property purchases and improvement.

Then Wells Fargo took over and they are stating that I owe another $422.72 plus late charges. I made a new account number and they are sending me a bill every month. My daughter has sent them the paperwork a numerous times and they still will not listen. I am in ill health and on a fixed income and cannot afford this bill. It isn't right that if another bank takes over, they can add extra charges. Please help if you can, I just don't know what else to do. I can't afford an attorney.

I have received 3 statements in the last 6 months. I have made all my payments anyway. This last month,I have been busy and simply forgot but did not receive a paper statement to remind me. They called me to notify me I was delinquent and refused to waive the late fee. Even though I repeatedly told them that I never received a statement and if she checked my record I have been timely with all my purchases.

Talk about shady business practices. They never credited me my fees and gave me an attitude to boot. If I ever treated my customers this way, I wouldn't have any. I would and will pay AMEX interest charges before I ever use this bank for anything ever again.

What I got to say about it, "let me know when there coming so when they pick it up it's gonna have a tree for a hood ornament." I'm ****** at these people. This car dealership I dealt with knew what they were doing and didn't tell me. 17.9% is outrageous and if they come to get it, they may have a hard time trying to find it. That just how mad I am. I was swindled by the car dealership, put down a lot of money for a down payment and then told it fell through and I need to sign another contract at 17.9%. I'm now taking depression pills and anxiety. I don't know what to do but go buy a bicycle.

I called back today and the lady said that there were 4 seats open for Wednesday and I asked again if I may move up. Her reply was the booking code wasn't the same. So I asked her, “You guys would rather send a flight out with 4 seats with no one in them than let a customer who already paid fill in just one of the 4 so 3 will still be there?” She had nothing to say and finally after I asked her 100 times if she got it, she told me there will be a fare difference. I asked what it would be and she said she will have to call me back!

So much for that! I don’t get how hard it could be and when I requested to talk to her manager, she just stayed silent and said we’re pushing for you, but the only pushing she has done is pushed my business away from Asiana and I hope this pushes anyone else thinking about flying Asiana! I say don't unless you want to deal with incompetents!

I telephoned Wells Fargo and requested their phone calls be reduced to once a week and that they have no right to be telephoning our children about our credit card situation. I believe that it is illegal but not sure. Each time Wells Fargo calls my home, I explain to them our medical situation and request a hardship for which they always deny me. Some of the Wells Fargo representatives and supervisors have been mean and nasty, whereby, they have upset me to the point that they aggravate my Crohn's Disease and I experience intense abdominal pain.

What I have learned is this, if you get cancer or any disease and you request a little help from Wells Fargo, what you will get in return from Wells Fargo is kicked in the teeth. Of all our current debt, every company has been graciously working with us during this difficult time. Wells Fargo is the only company that will not lower our payments temporarily to an affordable rate. All Wells Fargo cares about is money. I seem to recall when American Citizens bailed out the banks including Wells Fargo. Next time Wells Fargo requests a bailout I think we should extend to them the same heartless treatment they give to their customers.

My question is why is this legal? This is usury and extortion. What is the difference now between banks that are supposed to be reasonable and a payday loan company? Also, I deposited $500.00 on 7/14/10 after hours in an ATM. Wachovia explained to me that the money would always be entered the next day faster if I deposited via the ATM. My money was in the bank prior to the date of the overdrafts and yet I was still charged. I called and they refunded $30.00 of the $105.00.

This is evil and corrupt! Please help everyday citizens by making these institutions refund NSF charges, and also put a cap on them so a $2.00 pack of gum does not cost us $37.00. Please help us and this economy. This year it has taken up to 3 business days to get a deposit to show up on their system. I have paid at least $400.00 in overdraft fees this year when my money was in their bank!

In June is when my unemployment stopped and I asked again for a deferred payment plan. I still receive calls no matter if I set up a plan or not. Then I called in about two weeks ago and asked an operator to send me to a supervisor on duty because no one seems to be around when you need one to talk with about this finance situation. I was transferred to Crystal, a fake supervisor. I talked to her and she told me to contact her if any issues come around. I found out that she is not a supervisor at all and no one near a supervisor. Every time they call me, I pick up my phone and I have been very honest about my money situation and they still do not want to help me.

In the last four years, I have never been 30 days late. I am late for June payments over 30 days and late for July payment for about two weeks. I have a payment set up on July 19th, this Monday. Now, they are calling me stating that I need to do the right thing and pay $975 for June and July payment on July 19th. I stated to the so-called supervisor that if I can do that then we would not be going through all of this. He then stated that I am late and he has no choice but to call my co-signer and bug him until he pays my balance.

I asked him to leave the two payment set up the way they are for $373 on the 19th and $602 for the 2nd of August. I had $373 coming out on the second but I will try to find a way as I did this time. He said no; it's not good enough. I told him that my August payment is not due until the ninth of August, so that will catch me up for June and July. He said no and that he would call my co-signer; I said that is fine. If they were able to help, then I will not be in this trouble.

I can't stand Wells Fargo. I have been looking for other banks to take over my loan but I work part-time because I have been a full-time student on 2008. I am trying to get my degree and take care of my daughter at the same time and I am very stressed. I thought honesty was the key to anything and it's not. I should do what everyone else in America is doing, not answering their calls. I can barely sleep and I am always trying to find something to sell just to make a payment or save to make a payment. It is bad enough and my money situation is still the same. So everything all at once is just going down from here.

To this day, a month later, the money is still not in our account. In the mean time, the bank piled on overdraft fees and would not remove them. The Wells Fargo legal counsel said that they would return our money to us if we remove the fraud claim against them. Yes, we also retained counsel and filed a fraud claim against them because this is the second incident that we have with Wells Fargo & Co. The first was in September 2008 for a very large amount of money where someone internal stole our money and rerouted to someone he was working with at Tamalpais Bank in Marin, CA.

More recently, my July fees was Fed-Exed to me in form of a real cashier's check. The money was deposited four days ago and we still do not see it in my business account. It doesn't even register as pending. Last night, a colleague extended a personal loan to me and wired money to our checking account. It has not registered yet. We are really stupid to still be dealing with Wells but at this juncture, we have our business account there as well as savings and checking. We have to clear some payments and we will exit Wells Fargo as fast as possible.

We feel as if we are hostages of Wells Fargo. At the very least, they should return our lost money from June and remove all overdraft fees and clean up our credits that they have destroyed b/c we are late in paying the bills. Wells Fargo & Co. is a consumer bank yet they steal from consumers. Since June 8, we are in Virginia with our three young children visiting grandparents. Because of this financial mess, we are stuck here. The boys have not done camps or enrichment that they normally enjoy. We have not taken trips that we normally do during the summer months. We have not paid two mortgage payments, credit card bills, and utility bills. We had to put on hold a trip abroad and subsequently a temporary move there.

My loans were originally Lehman Bros loans serviced by AES. When Lehman screwed us, the American tax payer over, and collapsed the loans were sold to Wells Fargo (without any approval from me). I am now in a full time graduate fellowship without pay, 40 hours a week. According to my fellowship administrators, my loans are to be deferred according to Wells Fargo and AES. They don't offer deferments. I do not understand how this is possible. I do not have an income and my fellowship is an educational position. I have no way out, as the astronomical payments have eaten through almost 10k in savings and run me absolutely dry.

The only option I was given by AES was to pay two months upfront to get two months of forbearance. So how is that even a forbearance? I'm done fighting this, my only option now is to let them default and face the consequences. It's very sad to know that I had to go to college to get a degree (microbiology none the less) to obtain a job, and I can't even afford the degree I obtained. America is a sad, sad place these days with bankers obviously running the country.

Today, I asked them for one more day since I was not feeling well. They were unpleasant to say the least. The company that came to the house to pick up the truck, threatened me, and I was forced to move all my belongings while in pain in the middle of the night. I made an appointment with my doctor to make sure my inside stitches did not come undone and checked to make sure I nothing was damaged. I was asking for one more day due to my medical situation but they were, to say the least, extremely rude and uncaring for anything but their own situation.

After the doctor's visit and the results of the visit, I will be deciding if I will file in court. I hope I have your full cooperation when it comes to protecting my rights as a US Citizen and voting tax payer. I am not the only one the Wachovia/Wells Fargo Dealership has economically ruined and left with out money or a car, I can guarantee you that.

I have all documentation of all of the failed attempts to find a way to keep my car and all the time they just wanted to get as much money as possible from me and keep adding to the loan amount. Today, at 6:15 PM 7/12/10, I was talking to Michelle and in our conversation, she assured me that the amount to get my car back was $20,520.70. Then I asked her if she was recording our conversation and she said no. But I can guarantee you that by tomorrow the cost will go up as that is how they work, lies, upon lies, upon lies.

Now, they are sending me my statements which state that my rate is a variable which could go high as 27.24%. This is unfair. Something must be done about this. I cannot pay this high interest rate. Would you? What this has caused me is more hardship since they lowered my credit limit, with the balance that I have has lowered my credit score.

After calling them, they said I could still pay them off but with a deduction of 30% from the interest and it would have to be payed off by Friday which at the time was 1 1/2 days from the phone call. All of my other cards I have taken out money from, it was always you get charged for the remaining balance still left on the card after the interest free year was up. I am not going to pay them interest on money they already received from me within that years time. I am hoping that something can be done about this situation. The phone calls are very stern and not friendly on there behalf. It's basically my way or the highway response. Please feel free to contact me at anytime at the number above.

I had to call and check on the status of this application every time that I needed to know something. My file was then declined and I was left a message on a Friday afternoon on my home voicemail. The reason why it was declined was because the mortgage with BB&T is not in both mine and my husband's name. I had advised Derek in the beginning that the house mortgage was in my husband’s name and that my name was only on the deed. He told me that this would not be a problem and submitted it anyway.

I called several times at that point leaving messages for him to contact me to get my refund of $495.00 for the appraisal that was debited from my checking account. When he finally decided to call me I got an explanation that he was in meetings and couldn't call me back. He then told me at this point that the loan had been re-opened because the 1st underwriter misinterpreted a policy. That was okay; I could accept that. Then it was turned over to Shaun and he had me fax numerous documents some 2 or 3 times to him.

In my opinion Shaun did not seem interested or enthusiastic about my request. Also he just plain did not feel a sense of urgency. Finally when all the information that I could get was faxed he told me that he was sending it to the underwriter again. I spoke to Shaun last week and he stated that he would get with me on Monday and let me know what the underwriter said. No call. I called yesterday and inquired about the loan and the fact that he had not contacted me. His response was that he had been moved to a different department and that he did not deal with these types of issue anymore. He then gave me another name for a different person that was now handling my loan; that was Vayuana.

I contact her and she stated that she had gotten an email from the underwriter but she could not find it. She stated that she would call the underwriter and call me back ASAP. I never got a call back from her either. Finally I called her back and asked why I had not received a call and she told me that the loan officer was going to call me and let me know what the reasons where for getting declined. Needless to say I wound up calling Derek and left a message. At this point I am very disgusted and wanted my $495.00 back. Derek called me back and finally told me that it was declined because if delinquency, and the fact that the mortgage is in my husband’s name.

Wow! This is what I said when I initially called in. There may have been some late payments but you have to understand that my husband is a heart patient and goes to the hospital from time to time, but that is neither here nor there. While speaking with Derek he stated that it would take 60 days for this money to go back in my account. That is absolutely unacceptable as it only took Wells Fargo 4 days at the most to withdraw it. I would like my $495.00 back in my checking account ASAP.

Rest assured that I will not recommend Wells Fargo to any friends, family or anyone because I would hate for them to go through the big ‘pass the buck’ mess that I have been through with your company. What a confusing and disheartening mess. Please respond with the date and time that I can expect my money back in my account. This is the response that I got: Kathleen said, “You did not indicate a phone number to reach you. In regards to your refund, our process is not a smooth process period. As a consumer of Wells, as well as an employee, I can understand your frustration.

We have only 1 team across the entire organization that handles refunds, and with the nature of the call volume we are receiving, it has backed up the refund process to over 12 weeks! Please feel free to contact me directly at the number listed below. I can send in a written request to try and expedite the refund; however it may still take 30-60 days upon receipt of that request.” I’m out $495.00 that I don't have to just throw away. Times are hard!

The next time I called, in January this year, I gave them all my expense information. They said I can qualify for the "modification program." This means that the amount that I was behind would just be added to the end of the loan, and my monthly payment would go down $100.00. (Yippee, thanks! ) So, I got signed up for that and had to make 3 monthly payments on time, which I did!

Last payment was in April. On May 10 of this year, I received the contract for the modification amount. I called Wells Fargo to verify that I wouldn't have to make a payment till July 1, 2010 (since it was only May). I spoke to a gentleman who said that I didn't owe anything, and that the first payment was not till July 1, 2010.

July 1 came around, and I received a knock at the door. To my surprise, it was the mailman with a certified letter. I opened the letter, and it was from a law firm saying that my house was in foreclosure. I contacted them immediately, and they said that I had to contact Wells Fargo, which I did. I spoke to a gentleman who told me a check of mine had bounced in June. I told him there was no way since my last payment was in April.

He transferred me over to a lady who said the same thing, but she noticed I had received a check from Wells Fargo in May. She said that if I just made the July payment, she would put me back on the program. I called today, July 7, 2010, and no one had a clue of what I was speaking about. Of course, there was no documentation from the conversation on the first!

I spoke to three different people, which didn't get me anywhere. I have names of all the people I talked to, but I will not mention right now. But one tried to set me up on another modification program, but I was told that I would have to pay $300 more than my normal payment. How do you figure I can afford that if I can't afford the normal amount?

I asked to be put back on the modification program that I was already in contract with, which she said I couldn't. it was denied June 24 (a month after the contract was sent to me), because I did not make a "contribution" payment. I never received a notice for that payment, and I spoke to someone on May 17 who verified nothing was owed!

I was so upset that I had to get off the phone, telling her that I would just have to contact a lawyer, since I am not getting anywhere with them. I tried back, asking for a supervisor, for which I was placed on hold for 5 minutes while they found someone. Although I requested a supervisor, a "senior rep" got on. She said that she was going to email my negotiator (whoever that is) to see if I can get back on the modification program, because that was not up to a supervisor.

I asked to be transferred to this negotiator, and she said she cannot transferred a call, since she is in an inbound call center. I asked her to cc: me on the email, which she said she cannot do. I have no idea why. I asked to speak to the person over the modification loan department. She then said that there is no one person in charge, and then I asked to talk to her supervisor. She proceeded to tell me that there was no supervisor available at that time! Surprising.

I am stuck, foreclosure is in a month, and these people will not do anything even when it is their fault. I followed all rules and did what I was supposed to and now, I have to go through all this. I have no extra money for a lawyer, and of course, if I did, the mortgage company would question how I could afford that!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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