Wells Fargo Bank

13 Year Customer Told To Take A Hike
- codyf - Friday, July 8, 2011 - 8:07 PM

 

Been using Wells Fargo for thirteen years and never had a problem. But today when I made a deposit I was told at the drive through that starting in September all their accounts are required to have a daily $1500 minimum balance. Great service and friendly reps when you have a problem but I guess this bank is just for the better-offs now. The average Joe that lives pay check to pay check should look elsewhere. I'm closing my personal and business account next week once I find another bank. I've been using them for 13 years and my family has for three generations. I guess that don't mean anything in this day and age anymore.

I Was A Happy Wachoiva Customer, WF Is S***
- moore_hope - Tuesday, August 30, 2011 - 11:47 PM

I was a happy Wachovia customer for several years.  Since the transition to Wells fargo it has been nothing but problems.  They love to take your money.

To start off, i never had any problems with bill pay with Wachovia.  My rent was scheduled for the 3rd every month but then the transition happened on the 28th of July and somehow the dates of my payments were changed due to their error.  So little to my knowledge my rent check wasn't sent out on time and I incurred a $100 late fee thanks to their flawed system which they didn't reimburse me for.

Also I began to notice that bill pay was taking the money out of my account before the scheduled date.  This really made me mad.  So I called their customer service to find out why they were taking the money out of my account before the date.  They told me that Wells Fargo takes their bill pay out 5 days before the day it's due.  That's great for them that now they have 5 days to play around with my money, and F*** me over on over-draft fees.

Then there was another problem that I noticed today.  I had transfered $24 to my other checking account whenI had $25 available at that time.  I noticed today that I was charged an overdraft fee for the transfer I made and for ATT (another bunch of scum bags) taking out too much money ($130.25).  I called to find out why I was being charged an overdraft fee for the transfer when I had the funds available at that time.  They began to tell me bull s*** about how the ATT transaction was posted at the time that I made the trasfer.  This didn't make sense to me so after asking some more question to three different people, I FINALLY got to the real reason of the overdraft fee which was that they take out the larger items first and then the smaller ones so they can F*** you even more.  Even though that was not the order that it actually happened. At the end of the conversation the man asked if he resolved the reason for my call even though he told me I didn't qualify for a reversal of my overdraft fee.  Hell no you didn't resolve S***!

To summarize Wells Fargo is a PIECE OF S***!!  And a bunch of thieves.  Stop taking my damn money.

Go to a credit union immediately.

No Flexibility
- peter4343 - Friday, August 19, 2011 - 4:56 PM

I exchanged $31 worth of Euros at the Wells Fargo Windy Hill branch in Marietta Ga. Of that $31 I exchanged $6 in Euro coins without a problem.  I was given a receipt and US cash. 1 week later I was called and told that the bank did not exchange coins and the teller should not have accepted them. They asked me to drive back to the branch (15 miles away from my house) to pick up the coins and that my account would be debited. Mistakes happen and I was not upset at the teller for making a mistake. What I can not understand is that the branch manager did not have the autonomy to make a decision based on customer service. I work in a customer service environment and if any of my employees or myself made a $6 mistake I would write it off in a second. It is insulting to call a customer and ask them to drive 15 miles for a small mistake that was made by your company! I don't care about the $6. I do care that my financial institution is unable to make a mistkae right.

I have been thinking about leaving Wells Fargo for a credit union and this just pushed me over the edge!

 

Wells Fargo Destroys Wachovia's Banking Services & Customer Service
- Anonymous - Sunday, October 31, 2010 - 10:46 AM

Wachovia was pretty flexible for such a big bank.  They offered awesome retail business banking services.  I was using Wachovia's Custom Business Checking that provided a checking account, one no min business money market and up to five no min crown accounts.

Wells Fargo killed those off.  They now demand a min balance in the business money market account (which they call business savings).  In addition I was using a totally free business checking account for a low volume project.  Well now Wells Fargo demands $1500 min.  Plus they have now killed off the linked personal accounts are demand $4000 min for each.

While I maintain more than is need I find these changes in terms totally unacceptable!  This bank is anti-business and anti-consumer.  Plus they have VERY backward systems.  For example in a business account you can't even setup recurring transfers from checking to credit lines you have to CALL IN!  In this day what the heck is that?

This is a backwards thinking unfriendly bank.  I know I am looking at pulling ALL my business and personal accounts out.  The question for me isn't IF but WHEN.  I am comparing two banks in my area BB&T and Suntrust which are far more friendly and offer MUCH better terms and services than this mega monster bank.  I can't WAIT to get as far as possible from this bank.  I would run if I were you.

12 Year Customer Has Enough
- Tawny - Tuesday, August 30, 2011 - 10:46 AM

I opened my account with Wells Fargo in Jan 1999, although it may still have been NorWest then. It was free checking, then they started charging for the cancelled checks sent with the statements. I finally got tired of paying that, and just got copies. Then I opted for online statements only. I hadn't really  had too many problems with them, other than a lack of common sense in their lobbies - I got so tired of waiting in line to deposit my check (my employer did not have direct deposit), while morons got up there and said, "Do you have a pen?" and proceeded to waste 20 minutes filling out their stuff that should have already been filled out - they have several places to do it BEFORE you get up there. I went off on one of the tellers about it one time and they finally put a sign up to have your stuff ready by the time you get to the teller. But then I got direct deposit and didn't have to deal with it.  I did notice that they changed tellers quite frequently. So a year or so ago I got a check from Paypal for $149.94. I filled out my deposit slip (correctly) and went through the drive thru. I didn't look at my receipt until a couple of days later - they had deposited the check as $194.49. So I went online to see if they had corrected it (you would think they would not have balanced at the end of the day), but nope. So I emailed them to make the correction and that if Paypal gave me any trouble, they were in for it. About a week later I received a letter in the mail acting as though THEY had caught the error, and is if it were MY fault, not theirs, and they had taken the trouble to correct it. Nowhere did they say sorry, or thanks for notifiying us. But...I let it go.

Then I get an important notice - Effective Sept 12, my "free checking" is no more. I will have to keep $1500 at all times (so that WELLS FARGO can have access to and play with MY money - but I can't), OR, I will have to have at least one $500 direct deposit per "billing cycle." Since I only get paid once per month, and it may be on the 24th, 25th, or 26th - or who knows, maybe on the 23rd, 27th or 28th - I'm sure they could finagle that so that I would miss their "billing cycle" and I would get a charge - supposedly $7.00 but they will reduce it by $2.00 if I set up "online statements for this account." Which apparently they didn't notice I ALREADY HAVE.

Then, a couple of weeks ago, I went to get some cash out of the ATM drive thru. However, there were 5 cars ahead of me and I thought it would be quicker to write a check and go through the regular lanes. I put my check and my card in, (still 5 cars at the ATM), and wait. And wait. And wait. Finally they send the check back and tell me that I have to endorse the back of my own check, so that THEY can then endorse it. Whatever. So, I remember I have an $11.00 check from ebates and go ahead and deposit that. And I wait. and wait. and wait. Meanwhile, the 5 cars at the ATM are long gone. People are coming and going while I sit there. Strangely,  no one EVER gets in line behind ME. The girl on the monitor tells me it will be "just a moment" but they are waiting on other people, NOT ME. I get on the speaker and ask "How long is just a moment?" I've been sitting there 25 MINUTES. She then tells me that she had trouble "scanning" my check but she has called her supervisor and it should be "just a moment." I tell her that is ridiculous and she should have informed me of this a lot earlier. She doesn't care, says the supervisor is there and she will have my stuff out to me. 5 minutes more - I'm about to go inside the bank and cuss them out - she does not come on the monitor and say thanks or anything - she send my cash and my deposit slip - but NOT my ATM card. I'm sitting there looking at my cash and dep slip, and I press the button. Another girl comes on and says, "I have your cash right here!" What? I have my cash in my hand. I tell her I need MY CARD.  I have to to send the plastic case back and WAIT again. NEVER AGAIN WELLS FARGO. Hire people with a brain next time, and quit charging me for the privilege of YOU using MY money. I've opened a free checking account with a community bank. I hope EVERYONE leaves Wells Fargo and their money-grubbing, incompetent management. 

THE WORST BANK
- reviewer1 - Wednesday, November 23, 2011 - 5:00 PM

I just closed a 6 figure account with Wells Fargo today and the bank officer did not care!! Since Wells Fargo took over Wachovia, the service has been horrendous. The bank officer in the Syosset, NY branch gave me incorrect information so when I went to Florida to specifically take care of business for my mother's  account; I could not complete this business. In addition, the bank changed the type of account my mother holds (obviously the woman on the phone wanted her brownie points and commission). When my mother called the bank to change the account back, the CSR said this could not be done over the phone. So Wells Fargo can change her account over the phone without permission but cannot bring the account to its original account state over the phone. She also will be closing her account. You work hard for your money - make sure you place your trust in a banking institution that deserves and appreciates your business.

Fees, Credit Inquiries, And Money Leaks Form The Account! No Star Rating!!
- VRoman0 - Wednesday, November 24, 2010 - 11:49 AM

1. Account looses money with no transactions being made! It goes down on it's own!

2. Fees!!! Instead of declining a transaction they allow it every time and give you a 35 dollar fee. Account updates only at midnight and if you check account balance it will not show any recent transactions. You go buy a drink at a gas statinon - 35 dollar fee!! Some company made a mistake and withdrawed too much form the account and then made a refund the same day - guess what? No refund for 35 dollar fee from Wells Fargo!

3. Multiple inquiries on credit report. If you apply for a credit card they put 3 hard inquiries on your report and decline you with a credit score of 660!

Wells Fargo Is Just One Of Those High Banks
- bankdealers - Sunday, July 11, 2010 - 12:26 PM

I never had a Wachovia Bank Account. I never had a Wells Fargo Bank account. I now want to consider them.

However, now that they no longer have any checking account available with a low minimum balance and no or lower monthly service fees, Wells Fargo Bank is off my list of banks to consider opening account.  How dare they set a minimum of $1500 or higher as daily balance to waive a monthly service fee of $5.  Sorry, no horses and carriages for my bank!

A Marked, Downward Trend -- I Cannot Recommend!
- mackburns - Friday, August 12, 2011 - 10:06 AM

My wife and I had accounts at Wells Fargo for ten years, even changing states and staying with them -- not because of anything special -- we always viewed them as acceptable, with ATMS in varying locations. We used checking, savings and credit card accounts. But after my experiences today, I recommend you look elsewhere for your banking.

I had to write this review today to recommend anyone who's searching to avoid them -- I was very disgusted with a sudden, poorly communicated change in their policies which led to an additional fee -- and when I wanted to close my account, they refused to even send remaining funds, but proposed the easiest solution was to simply donate them to the bank! They claimed changes from the Wachovia days made it more difficult to get your funds and close accounts, etc, etc, etc. Major run-around, and no care for loyalty.  

I had no difficulties with my credit card accounts, but closed them, too, as they offered little advantage over other, comparable accounts.

Again: look elsewhere, you can do better, even with a major global bank chain.

Hate This Bank
- kimbit - Tuesday, November 1, 2011 - 8:19 PM

I have been living in the U.S. and banking with Wells Fargo for just under 4 years now and I have NEVER had so many problems in my 48 years with another bank as I have had in 4 years with this one.

My husband moved money out of his mutual funds to his savings account and they lost the money then had the nerve to ask him if he could prove he ever had the money.

I had given my husband a large sum of money before I moved from Canada to pay off bills and they put a hold on it for a few days then into his account with no problem.  My father recently sent me a large check from Canada and I was told it would be on hold for 6 or 7 weeks or I could go through loss prevention etc.  They then told me to travel to another branch and they would be able to do it for me.  I gavethe next branch all the Canadian bank info along with the manager's name and phone number, but that was not good enough.  For some reason they have a problem with Canadian routing numbers.  Why it was okay one time and not the next, no idea.  The teller at the second branch started the transaction but then it fell apart as she realized she could not do it either.  The manager asked for a copy of the check and he would check into it and call me the next day and let me know, however, same result.  My father finally did a wire transfer.  Mind you, a month or so later I received a letter stating that they lost the check......which they NEVER had (only a copy) and they needed me to contact them, which I did and explained it was dealt with by WIRE TRANSFER......which they could not seem to figure out!

I recently decided to open an IRA and they said they would start the paperwork and would call me on a Saturday to sign papers.  I missed the call so I called and left a message....then left another on Tuesday.....and another on Thursday, but no return call.  The NEXT Friday, I got a call stating that I had to come in that night to sign the papers.  I told them it wasn't going to happen and then maybe we should just cancel it.......I was told I needed to come in to sign papers for that too.  She pinned me down to Saturday morning, but when I got there she was not there and I was told the papers were locked in her desk.  Later that day I received another phone call stating the paperwork was on a cart but had not had my name on them so they didn't know.  I said I would be in tonight but again she was not there and did not leave the paperwork for anyone else.  I was asked to come in tomorrow - travelling once again because they cannot communicate!

Looking online at Harborstone Credit Union......boy will they be upset when we transfer all our money.....not millionaires but thousandaires so it should still hurt.

Not Recommended For Poor College Students
- joekeilso - Tuesday, September 13, 2011 - 10:49 AM

Young adults/teens who are looking to open a bank account just to put a few dollar bills in there should stay faraway from Wells Fargo. I've opened an account here sometime in April of 2009, just yesterday I was forced to close it and move to another bank. I'm a very poor student with no job so I live on allowance. There's no way in hell I can have $1500 + $500 Direct Deposit and expect that large amount of money to just sit on my account unused. I could do so much with $1500 including paying bills/debt, rent an apartment, buy food, entertainment, etc. Why would I bother to let WF sit with that large amount of money just to save me nearly $10 on fees? It's ridiculous.

I loved WF and they've served me well in the past couple years I've been with them. But they're better off for the rich/wealthy people like those living in Hollywood or Beverly Hills. For the poor and middle class, they're better off going to some other bank that offers $2 in fees or are still clinging onto the free checking deal. Good bye WF, you've been good to me. But now, my relationship with you has ended. Goodbye!

Wells Fargo Will Hurt You! NO STARS!!!
- captdave - Sunday, July 10, 2011 - 5:35 PM

Been with Wachovia (First Union before that) and had minimal problems that were quickly resolved at branch.  Take over by Wells Fargo a few months ago has been a TOAL and expensive disaster.  No one at ANY branch has any ability to fix a problem.  Numerous centers in Irvine, Jacksonville, Charlotte etc control various factions- no one can help you without being on the phone many times for many hours and the standard response is "that is company policy".

They incorrectly forced placed insurance on 6/13 and removed funds from my mortgage account... yet a month later there is still no line item nor explanation on line.  On the phone they say it has all been resolved and credited, but I have no hard copy nor anything on line.  Right now I have $370 that is simply missing....

I paid off a six figure mortgage loan on 6/14... I still have nothing in writing that it has been credited.  They closed the online account so I can not see anything.  They say they credited the draft on 6/24... TEN DAYS LATER.

I have already lost over $500 in the last 30 days and spent 30 odd hours at the branch, on the phone and writing letters! Moving all acounts ASAP!

RUN AWAY!

Wells Fargo Bank
- jford140 - Monday, June 6, 2011 - 11:24 AM

I was recently in a wells fargo branch in Franklin, TN.  I had an insurance check for a roof that we replaced and the customers had a wells fargo mortgage.  The check was made out to both home owners, my company, and wells fargo.  The home owners endorsed the check over to my company.  I then took the check to multiple wells fargo banks and asked for them to endorse it so I could deposit it.  No manager would endorse the check, even after one manager told me he could.  I had a hard time understanding why they would not endorse it when the check had my company on it.  I would understand if the check was not made payable to me but it was.  It's my money. Now I have to have the home owner take time out of their busy day and drive across town just to get a signature on this check.  I think wells fargo should reconsider their policies on insurance checks.  All they are doing is making home owners and contractors lives more difficult.  Wells fargo is not a good bank.  If the check is made out to my company there is no reason that I should not be able to get it endorsed.  I did not like the fact that wells fargo could do NOTHING to help me.  

We Are Switching ALL Of Our Accounts.
- danika - Friday, November 4, 2011 - 6:25 AM

Wellsfargo manages our investments.  They encouraged us to refinance to lower our monthly payments by $100 per month.  They charged us $500 for an appraisal and then turned us down even though we purchased our home and financed it through them just 2 years ago.  They made us jump through all the hoops for information that they clearly already had since our loan was through them and they manage our money.  No longer.

Must Be Illegal
- marialo - Tuesday, September 6, 2011 - 9:55 AM

These people took thousands of dollars from my account making it overdrawn. It was their error and made my card unusable. After spending hours on the phone with them, they told me that they will return the money NEXT WEDNESDAY! I have no way to pay my bills, feed my family or even put gas in the car and the customer service manager had the nerve to tell me "it's next week, only a few days." HOW CAN THEY JUST STEAL MONEY FROM MY ACCOUNT AND GIVE IT BACK WHEN IT CONVEINIENT FOR THEM??? That is THEFT and has to be illegal!

No wonder these crooks have an "F" rating on The US Bank Review! http://usbankreview.com/us/bank-reviews-and-rankings/2-wells-fargo

Still In Disbelief
- lucyjordan - Saturday, April 14, 2012 - 5:03 PM

The Hoover, Alabama, Trace Crossings location of Wells Fargo would be a laughable situation was it not concerning the money we've deposited into this bank.  It seems as there is never the same banker there twice.  Each time, there is a new banker.  Lots of young people with rude attitudes that can't answer questions or give simple responses to guests concerns.  We will be taking our money out of Wells Fargo due to the lack of proper customer service.  I asked a manager how does it work if you have over 250,000 in the bank and the sign on the door says FDIC Depositor coverage up to 250,000.  He told me to go online to FDIC and look it up, that he had no idea.  So I asked for someone else who might know something and was sent to a very condescending young woman who basically told me the same thing.  What is going on?  Is there no one to hold these people accountable for their total lack of professionalism?

Can't Close This Account Fast Enough
- BrokeSista - Friday, December 30, 2011 - 7:40 AM

I had a wachovia account for years and was okay with the conversion to WF.  Last week I received an email stating that I had an overdraft and was being charged $35 fee.  When I called to find out what the item was (because I couldn't see how) I was told that I had overdraft by $.26!  That's right $.26 whole cents!  Then they had the nerve to suggest I apply for a line of credit! To charge me a fee to cover items such as this...ARE YOU SERIOUS.  Even Bank of America does not charge overdraft up to $5.00!

Never again!

Goodbye Wells Fargo
- cs1970 - Thursday, December 8, 2011 - 7:29 AM

I loved, loved , loved Wachovia. I never had one problem and used them for years. Wells Fargo took over and everything went down hill. Who in the world would pay a bank to watch their own money? I shopped around for weeks and every bank that I spoke to has free checking and savings, no min. balance. We decided on one that has been around for a very long time. My husband asked the banker if she had been getting a lot of customers from Wells Fargo and she said that it was unbelievable how many. When I went in to close our accounts at Wells Fargo, the gentlemen did not even blink. Obviously, he has been doing this quite a bit lately.

Wells Fargo Is The Worst
- brschro - Monday, June 13, 2011 - 10:43 AM

Wells Fargo is the worst.  We were with Wachovia, so now our checking, savings and home mortgage are with WF.  We found a WF owned foreclosure and our offer was accepted.  We had to go through WF home mortgage for that as well.  Despite doing all this business with them, they have been nothing but obstructionary and difficult.  They say one thing, wait two weeks, then change their mind days before closing.  I am leaving them ASAP.  I tried to give them no stars, but had to set at least one :-(

They Screwed Me.
- Hoosier_Daddy - Monday, June 6, 2011 - 2:12 PM

One time I was using my debit card to make purchases. I bought a book at a book store. Then I went and got a drink from my favorite place. Then I went and bought some shoes. Then I went to a movie. I thought I had enough for all my purchases. When I checked my account the next day I saw I had over drafted by a 1$. So I went and deposited to get my account back to the plus. Then the next day I was charged with not one but two overdraft fees. I tried to talk to the bank about this and ask why this happened. Apparently they charged my card first with the big purchases not the order that I actually purchased the items. I told the bank teller that this not right. She then was rude with me. So I decided to take my business else where.

Legal Loan Sharking!!!
- Bounder - Tuesday, November 30, 2010 - 5:24 PM

It amazes me that in an economy where interest rates are at an all time low, Wells Fargo acknowleges its long term loyal customers by increasing their credit card rate to 21.85%.

This is their standard rate Im told by their call center in Hillsboro, OR.  There is no consideration given to long term customers, positive payment history, excellent credit ratings.  None of that matters.

Thinking I would get somewhere I called the Executive Offices of Wells Fargo to discuss the matter with them.  I was told that when you originally sign on for a credit card with them (mine was in 2004) that determines your interest rate from then on.  It is not affected by the economy, interest rate trends, the fact that you have not had a late payment, have excellent credit or have been a customer of their banking institution for almost 20 years in total.

I am blessed in having an excellent job and the ability to pay off this card before the end of December but I have to wonder, in this very difficult economy, how many people struggling to make ends meet are being crushed by this villan with their unyeilding interest hikes and inability to adjust their credit card lending practices to meet current market standards on interest rates.

 

I Can Honestly Say I HATE This Place
- QueenofKings - Monday, March 12, 2012 - 10:24 PM

I was a Wachovia customer, and I loved it!! Then they changed over to Wells Fargo...I should have close my account when I first didnt receive an ATM card for 3 months, but I'm in college I didn't need to spend any extra money. After that I realize over the summer that I'm being charged from my savings account everytime I make an ATM withdrawal from checking WTF!! When I called the bank (there is only ne location in Kansas City and it's way to far to travel to) it took them 30 minutes to tell me that is was an "oerdraft protection plan." How the hell is it overdraft protection when neither account had been overdrafted? If I wanted to spend my savings I would. Next incident is when they decided to start charging for checking I got NO notification of this change no email, no Wells Fago online alert, and no paper mail. I go to make a withdrawal one day and there is $65 in my account, from the $100 I like to keep in there (I started keeping less money in my account after the "overdraft protection" issue. But wait that is far from the worst and definately not what made me close my account. I started a new job in December and my check was on direct deposit. While at work the morning when my check should have been deposited I decided to check my account and pay my phone bill online. I go to my online banking and my checking account was GONE!! I called the banking line and the lady on the phone tries to get me to open a new account. Then the next person tells me well ma'am we closed you account, I of course ask why she had no answer. Finally, three people later a person (the nicest person I had geard from the entire 50min call) tells me that they closed my account do to an overdraft, but if I went to the branch and deposited my money they would reopen the account; she did not know how much I owed so she transfered me to yet another person. When I get to the guy he tells me that they closed my account because it was negative $3,45 for 30 days. I asked them well why didnt you inform me of this or why didnt you take the money from my savings that has cash? They had no answer and proceeded to tell me that I could open a different account but I would have to pay them thier money. That was not even an issue, I actually considered staying with them until I asked for my checking account information becasue I can't see my own checking account number online since I didnt make deposits into the account I only made transfers. Wells Fargo does not believe in creating statements (online statements) if you are not making bank deposits into your savings. They verified my identity and still told me they could not give me my own account info they told me i should travel to the bank 45 min away. Needless to say i did trael to the bank to close my darn account.

Not only do the tele-bankers have poor customer service the branch bankers did as well. They told me I would have to wait 24hrs before I could get the money from my savings. The lady told me I could either come back for it or they would mail me a check. What type of BS is that. I will NEVER again deal with Wells Fargo they are full of S***

Wells Fargo's Charm Campaign
- Bozo - Thursday, June 30, 2011 - 8:57 PM

OK, I'm the first to complain about bad customer service. Since they're paying us zilch to use our money, the least they can do is be nice to us. Well, I must admit I was pleasantly surprised by the customer service at Wells' branch in downtown Oakland (CA) off 20th Street and Webster (near the Kaiser Building and Alliant Credit Union's office).

Cheapskate that I am, I wanted to park in Wells' free lot (a rarity in Oakland, might I add) while I deposited a check at Wells and then leave the car there while I went across the street to Alliant, to do a deposit. I fully expected to get the full "fuhgettaboutit" moment, since the signs in the lot were quite succinct, limiting parkers while on Wells' business only.

OMG, totally shocked. Not only were the folks in the branch (including the parking attendant) nice as could be, I almost thought I was back in the "free toaster" days of yore. I made my deposit at Wells, then Alliant, no problems, no moving of the car.

After all the negative posts about big retail banks, I had to share.

Bozo

Horrible Sustomer Service!!!
- Darci7 - Monday, June 6, 2011 - 2:23 PM

Never in my life have I ever dealt with such poor, terrible customer service.  I sent money to my son's bank account (he is in the Army) I put the wrong account number on the electronic transaction.  I contacted Wells Fargo the day they cashed the check - first I was told there was nothing they could do and I needed to go thru my bank ( they had cashed the check and money had been taken out of my account)  then they told me if the money was going to a closed/incorrect bank account they would send the money back to my bank in two business days.  Haha nothing was returned to my account - I called repeatly for 3 weeks and so did my son to have SOMEONE there help.  I have never been brushed off and treated so badly in my life.  Not only did the 20 or so people I spoke to NOT want to help me they pretty much told me I was out of luck.  Not one of the customer service or bankers as they call themselves would even listen to what I was trying to say to them.  This has been going on for a MONTH!!!  The money my son needed is sitting somewhere in the Wells Fargo system and no one can find it.  I am talking about $1500.00 - my son was counting on this money to purchase a car.  They told my son he had to come into one of their offices so they could identify him.  He has no way to do this as the closest bank is 20 miles from where he is and oh yeah he has no car.  It was not as though we were trying to take anything from the bank - we just wanted the money put into his account.  Frustration  you bet!!!  I call everyday and I am told the same thing everyday.  I contacted my bank and they were more than helpful and they attempted to talk with Wells Fargo - ha they wouldn't talk to another bank unless my son was on the phone!!!!  Outragous!!!  We are still trying to get this settled and when it is my son will be closing his account and putting his money in a place that has CUSTOMER SERVICE!!!  Warning don't use this bank the people on the phone are useless and very nasty.  Oh another thing they told me after makeing 20 some calls to them and I was just a little pissed - They said I was not being nice hahaha yep I wasn't at that point and I don't theink they would be either if the shoe was on the other foot.  Thanks for your lack of support and understanding and horrific service to thoughs who Serve!!! 

Wells Fargo Is The Best
- etchers - Sunday, February 20, 2011 - 1:06 AM

 I have never been disappointed with the service from my branch or any branch of Wells Fargo. I recently had to deal with a large accounting error and the bank corrected the error immediately after I contacted them. Wells Fargo employees are always helpful and kind. It is the best bank ever!

Wells Fargo
- als - Sunday, May 6, 2012 - 2:19 PM

My letter from Wells notifying me of the 6 transaction limit being exceeded arrived 5 days after they charged me $30 for moving money on-line which had to be done for a business expense. Is there any reason why they can't notify me by email or text when first charge was TAKEN from my account? I am sure I was legally notified of this rule at some time and probably in very small print, but why can't they make a first time exception? Customer service read scripted phrases to me on the phone, but had no inflection of empathy and actually responded rudely. Wells has no concern for me as a customer, and less as a human being. I plan on moving on to an institution that cares.

I Was Receiving Good Service, Now End Up With Closing Account
- onetime - Tuesday, January 24, 2012 - 1:24 AM

I have been using Wells fargo past 4 four years. I never had any problem. 

They started charging 15$ month fee without any proper notice. Once I called, they were saying

my online statement, you will find in one corner that, my account will get charge. This is really sucks.

Unnecessary things they use to send mails, important ones they are hiding. I am going to close my account in a month time after find better one.

Better luck wellsfargo to loos the customers, this should be ur 2012 moto.

They Will Steal Your Money!!!
- trozman - Thursday, December 15, 2011 - 5:11 PM

 

Wells Fargo has some of the highest fees and lowest rates of any bank. Shop around and go to a credit union or a small local bank.

 

Wells Fargo changed my free checking account without my knowledge.  They also made my account dormant which made it so I couldn’t access my money. They effectively canceled my account services and charged me a $5 a month service charge to do it. That should be illegal, and when I asked them if it was illegal they couldn’t answer my question. Never do business with them!

 

Service Has Become The Worst I Ever Had To Associate With.
- gs7747 - Tuesday, April 12, 2011 - 12:29 PM

Since taking over Wachovia has droped to you are just a number and verry inpersonable.

I am going to another Bank and taking my money with me!!!

They not only are to BIG to Fail but to BIG to be usefull!!!!

Just A Number
- chiterphat - Saturday, April 9, 2011 - 11:01 PM

I have been with the bank for 20 years and I feel like a number. I feel the service is fake and the people that work there are not there to help answer and solve problems. They are only in it for the money. I don't feel they put the customers first and they have a fee for every little thing they can find to get money out of you.

Botched My Mortgage Payment Procedural Change TWICE
- beefreedman - Tuesday, March 13, 2012 - 7:26 PM

I had been paying my mortgage biweekly for several years but needed to go back  to monthly.  The person who helped me was very nice, and I got the letter saying the change was made for the date we had agreed on.  I was stunned when they took the first monthly payment a month early.  This drained my account, forced an automatic transfer from savings, and was going to make four automated payments scheduled for the next day force more transfers from savings.  When I called to get my money put back where it belonged, the soonest they could do it was three business days because "the mortgage division is separate from the checking division." I pushed to find out why it happened in the first place. Turns out someone keyed the wrong effective date into the computer.  I got very angry and yelled at the agent, but I still couldn't get my money back any sooner.  I called the next day to make sure the return of my money was on track to happen.  In the course of this conversation, the agent said, thinking she was cheering me up, "Well, at least the automated monthly payments were cancelled."  CANCELLED?!!  I never asked to have them cancelled!!!  The first agent just upped and cancelled my monthly drafting on her own, probably to punish me for yelling at her. If I hadn't been bird-dogging the return of my money, I'd never have known the automated payment was cancelled until the payment didn't happen and then I would have been behind on my mortgage for the first time in my life.  I was with Wachovia until Wells Fargo bought it.  Wachovia was terrific.  Wells Fargo is horrible.

DO NOT Open Account In Wells Fargo Bank!!
- AW - Thursday, March 1, 2012 - 4:56 PM

You would think that nothing should change after Wachovia became Wells Fargo, except the name? - WRONG!

Face to face service is still good, but that's about it. New fees, unclear rules, and AWFUL online banking (for example you won't be able to see how much of your check cleared...)

You would think that the institution that takes care of your money for you (and makes billions of dollars doing it), would make any serious efford to protect it? - again: WRONG!

Stay away from this bank, if you don't want to suffer from a heart attact, when go online one day and find out that your savings have been leaking out of your account without ANYONE notifying you. And YES - Wachovia did notify me, and stopped the suspicious looking transaction.

For us it happened TWICE in the last few months. After the first time the cards have been cancelled of course, and money returned (NOT RIGHT AWAY THOUGH). And you would think they would learn and maybe implement some kind of additional protection? - WRONG! It happened again and again many, many times for the last 2 weeks. I should probably add that we're very careful with our personal info, passwords, and online activity... We suspect that both times it was triggered by a simple IPhone transfer from ONE WELLS FARGO ACCOUNT into ANOTHER. So it wasn't some kind of strange online purchase...

Also, what's interesting is that for a couple months we had an additional identity theft protection offered by WF, but provided by some other company. We didn't know until later, that it's cost us $30 a month (!), so we decided to cancel it. Right after that our savings started to dissapear again... You start to wonder if this is coincidence...

Very upsetting and disappointing!!

(1 star is for very nice people working in my local branch.... )

 

 

Take Your Money & Run!
- S101 - Saturday, January 7, 2012 - 11:50 PM

I was a long time customer of Wells Fargo until realizing that they do not appriciate thier customers or thier hard working tellers and bankers. This is one of the biggest, gready corporate monsters I have ever had to deal with. The tellers & bankers try to be friendly and provide customer service only to be told by upper management that if they don't push sales on customers & ask customers for personal information that is truly none of their business, that they will loose thier jobs. I'm tired of them pushing sales down my throat & asking me the same questions everytime I come into the branch! I'm tired of getting sales calls from them even though I have requested to not be called, especially at dinner time! Over the last two years I have witnessed Wells Fargo get rid of the employees that are friendly & helpful to customers & promote the sneaky, unethical employees into management positions or hire management that has no banking experience whatsoever. They continue to change terms of agreements & attempt to charge more & more fees. The "good guy" has no chance with this corporate monster! Take your money and run! There is absolutely no benefit in doing business with this company! I closed my accounts with Wells Fargo and moved to a credit union that has wonderful customer service & great interest rates compared to what Wells Fargo offered. Even though I had been a customer for years, they did not care about loosing a customer.

Wells Fargo Home Mtg
- Screwedbywf - Wednesday, January 4, 2012 - 4:10 PM

If you are thinking of refinancing or purchasing a home do not finance with Well Fargo.  I have a small mortage with W.F. and a loan to value of less than 50% and I have over $ 200,000  in equity in my house.  I had an insurance claim for broken plumbing pipes.  The plumber doing the repairs refused to get involved with Wells Fargo because he said it always ended up in a lein on the house or in court.  I took responsibility for his payment and arranged to collect the funds from WF as per their guide lines.  Wells Fargo released 1/3 of the funds and the work began.  After the work was 2/3 completed (verified by their inspector) they still refused to release any more of the funds.  Its been 7 months since the funds should have been released.   I now have to refinance again to get the funds necessary to complete the repairs.  I plan a law suit after the refinance but this is a nightmare.  The only reason for not releasing the funds is that I refused to sign a hold harmless claim for them having screwed me, after sending them a letter of my intentions.  Well Fargo SUCKS and I intend to make them pay in court, but they have made our lives a living hell for months.

 

 

Close This Place Down
- drdread - Wednesday, October 26, 2011 - 5:12 PM

ok, so I had the misfortune of joining during their Wells Fargo conversion from Wachovia, so I forgave their losing my documents 4x's.  Yes you tea fit correctly, 4x's.  EVer since then, if there is any need to involve them in my day to day life, you can rest assured it'll be painful.

Proverbial "straw on the back"?  Well, I have 3 biz accts with them, all with completely different names and ATM cards, so why is it when I go to deposit a check to acct A it goes to acct B, causing all kinds of overdrafts, and not a single useful telephone CSR to help remedy the situation.

And this is just a summary of my hell with them.

The worst bank.. 

I Didn't Ask For This
- o2bonabike - Thursday, October 20, 2011 - 1:03 AM

I have had a wonderful relationship with Wachovia for nearly a decade. Recently, they were bought out by Wells Fargo. The transition just took place this week and I am already looking for a new bank.

First of all, WF's website for online banking is ridiculously confusing. Wachovia's website was incredibly user friendly.

The Droid app is absolutely useless. No one from customer service can help me get it to work, and the implication is that it's MY fault.

Then, I find out that Wells Fargo charges $12.50 any time they transfer money from one of my savings accounts to cover an overdraft. I know it is a bad habit, but there are times when I will make a late night purchase, knowing the money is not in my checking account but knowing it's in savings and I can make a deposit the next morning. No problem with Wachovia, but WF uses this as a way to gouge me. In other words, I get charged to use MY OWN MONEY! Wachovia did not charge for this service. 

I called to ask about these charges and to get other information. That was a nightmare. 

First of all, I was on hold for 15 minutes. When I finally got a human on the phone, she was the rudest, most uncaring individual I have ever encountered on a business call. She was absolutely useless. She could not help me get the Droid app to work. She scolded me like a child over the fees, and basically told me that if I didn't like the policies perhaps I should change banks. She did tell me that I could avoid the overdraft charges simply by using my Droid to transfer funds. Which would be great, if the app actually worked.

I have over 10 accounts with WF, with my personal and business accounts. I will be moving ALL these accounts within the week. Sadly, WF could not care less that they are losing my business.

If Only I Could Give Wells Fargo A Lower Rating Than 1 Star
- rdarrow - Tuesday, July 26, 2011 - 6:25 PM

I have been banking with wells fargo for 5 years - since I moved to CA (my previous bank of 20+ years is only on the east coast).  In May 2011, I applied for a small personal loan of $15,000 to remodel my kitchen.  It was approved easily and I deposited the money in my account.  the renovation date was still a month away and I had second thoughts about renovating the kitchen at this time.  I decided to wait a year and pay off my credits cards instead.  It was just a matter of priorities, so I gave the money back.  Well I returned from vacation on July 5th to find that a pipe was leaking in the kitchen causing a lot of damage.... so the renovation was back on.

I went back to Wells Fargo for a loan - this time asking for only $10,000 since my insurance is paying for the replacement of the damaged cabinets.   To my surprise I was refused!  They could not give me a reasonable explanation and refused to reconsider.

Also, Wells Fargo customer s simply DOES NOT CARE!  When I returned the money from the 1st loan, I went into the banch office - talked to a loan officer and got the payoff amount that was good for that day.  The loan officer walked me over to the teller and stayed to witness the transaction.  A week later, I was online and noticed there was still a balance owing on the loan.  When I called customer service to inquire, they insisted that I didn't make the payment until the day after - I even called the loan officer for his help.  After serveral phone calls, and getting transferred around and even hung up on, I gave up.   There is no way to get around customer service, so there is no personal responsibility at wells fargo.  If they make a mistake no one owns up to it and nobody cares.

I switched all of my banking to Bank of America - not only is my banking completely free now - they immediately approved me for a $5,000 credit card with 0% for 12 mos.  Now that is customer service!

 

Pathetic... They Treat Customers Based On Their Balance!
- adamrce - Wednesday, June 22, 2011 - 9:13 PM

Their tellers are always nice and friendly, and branches are clean and organized; however, the bankers and managers treat customers based on their balance.

Well Fargo was my favorite bank, and only one, when my balance was above $100,000. When I had some financial problems, downgraded my account to save monthly charges, and my bank account was leess than $1000, they started to treat me defirrently. I just felt that they don't consider me worth to be served anymore, even though I had money overseas and had a hard time bringing it.

I'm switching to a Credit Union. My community would definatelly show some respect :)

15 Year Customer
- JRothman - Saturday, April 23, 2011 - 12:28 AM

I have banked at Wells Fargo for over 15 years. At times I have had more cash in the bank and received the treatment I would expect for a preferred client. The thing I really appreciate is that I currently receive the same treatment with far less resources in this bank. It is nice to be treated as a valued client based on merit and not just deposit level.

Another Former Wachovia Customer Leaving Wells Fargo
- jdibella - Wednesday, May 23, 2012 - 6:04 PM

Let me start off by saying, I was with First Union, Wachovia and then Wells Fargo. A customer since 1992! Overall, I wasn't very bothered by the transition to Wells Fargo. There were a few things that I didn't like, but overall my experience wasn't that bad.

I had a business account and two personal checkings (one was used strictly for online purchases and not linked to my main checking). I had everything the way I wanted. I did 99.9% of my transactions at an ATM and loved it. I made deposits, had a receipt e-mailed to me, and I was on my way. Deposits always posted the next day and I never had issues.

Recently, I found out that Wells Fargo would begin charging $5 a month for each of my personal checking accounts unless I carry a $1,500 daily balance in them or have a direct deposit. I don't have direct deposit, and quite frankly I get no interest in my checking so I don't have all my money in there. This didn't sit well with me. I called Wells Fargo up numerous times because I actually WANTED to stay with them. I enjoyed the convenience of the branches in my town and I loved their ATMs. Unfortunately, they would not work wtih me so in the end I've switched away from them. I've almost canceled all my accounts and I've done it through their online messaging system on their website. Not one person has asked me why I'm cancelling or anything of this nature (I've canceled two out of three accounts). It's unreal to me how I've been treated after being with them for over 20 years. 

It's on to bigger and better things. I will miss Wells Fargo's ATMs though!

Wells Fargo - WARNING - Pull Your Money Before They Close Out Your Account
- cbeard32 - Monday, May 21, 2012 - 3:37 PM

Wells Fargo is a horrible bank to bank with.  They will help you with your items for years and then all of a sudden toss you to the curb and tell you to empty your checking accounts and savings accounts in the blink of an eye.  I would never bank with Wells Fargo again.

To make matters worse they will not tell you a reason but you are a high risk business.  Lending in today's market, "a high risk" then I pose the question Is banking high risk?

I am a small business owner for the last 7.5 years have been banking with Wells Fargo and this week received a letter with no phone number and it stated to empty out the accounts and we wish to discontinue our relationship.  

 

So run from Wells Fargo if you can.  I would pull your money out and go to another institution.  

“Was Great As Wachovia, Now A Nightmare As Wells Fargo...”
- acgajlove - Tuesday, May 15, 2012 - 9:40 PM

“Was great as Wachovia, now a nightmare as Wells Fargo...”[/H2] I travel extensively and try my best to call in advance of travel to notify Wells Fargo of irregular usage to avoid potential fraud issues or having transactions declined. Tonight, I even called on hour and a half before my company meal was finished to get pre-authorization for a meal that I was to pay for for a table of 16. I was thanked repeatedly for communicating this and was assured I would have no issues.

Not only was my card declined twice, when I called to quickly rectify, I ended up spending over 10 minutes on hold and a colleague of mine was forced to pick up the bill so we could leave while I remained on hold. It was incredibly humiliating and unacceptable to have gone through this considering my efforts.

This is the extreme, but this has happened several times now and I will be changing banks.

Get it together Wells Fargo...

4

Business And Personal / Called Better Business Bureau / Very Poor Banking Practices
- Sunshine8000 - Monday, April 16, 2012 - 2:08 PM

Very large and unweidly.I received a rate increase to one of my Credit Cards of 2.5%. I called in to ask why. They said they just decided to do a blanket increase and they I did nothing wrong.

I requestined a rate reduction or that is stay the same. They said it have to fill out a paper form which has to be snail mailed to me. It could not be downloaded it could not be emailed. They mentioned it would take 10-15 business days just to RECEIVE the form.

Needless to say, I am on my THIRD request, and I still have not received the form just to MAKE the request. In the meantime, the rate has been increased.

They are very difficult to work with and I do NOT recommend this bank to anyone for anything. I will be switching my checking / savings / cc's to a new bank as soon possible.

Bullies

 

 

 

 

HORRIBLE BANK!!!
- KHANK - Friday, March 30, 2012 - 2:35 PM

STAY AWAY FROM THIS BANK, THEY ARE A FRAUD!!!!!  MY HUSBAND AND I, BOTH HAD CHECKING/SAVINGS ACCOUNT WITH WELLS FARGO, AND THERE WAS ALWAYS OVERDRAFT FEES FOR NO REASON.  AFTER MANY CALLS AND CLAIMS WE HAD TO MAKE TO W.F. THEY FINALLY ACCEPTED THE FEES ON OUR ACCOUNTS WERE MISTAKES CONVENIENTLY MADE BY THEM AND THEY HAD TO REFUND THOSE CHARGED FEES BACK TO OUR ACOUNTS.  READ THIS ARTICLE TO KNOW WHAT I MEAN: Judge slams Wells Fargo's overdraft-fee policy  W.F. IS FAMOUS FOR MIS-INFORMING AND HIDING IMPORTANT INFO. TO ACCOUNT HOLDERS (AT THEIR CONVENIENCE). THEIR CUSTOMER SERVICE IS HORRIBLE, RUDE AND ARROGANT. THEY DO NOT HELP ACCOUNT AUTHORIZED MEMBERS WHILE THEIR SPOUSES ARE DEPLOY AND UNAVAILABLE TO MAKE CERTAIN PAYMENTS WHILE IN COMBAT ZONE. THEY ARE TO COMPLICATED AND I TRULY WISH MY MORTGAGE LOAN BROKER WOULDN'T HAD SOLD OUR ACCOUNT TO THEM WITHOUT OUR AUTHORIZATION.  THEY SUCK!

AWFUL!!!!!!
- JeneeFord - Wednesday, March 21, 2012 - 4:14 PM

I just spoke to an incredibly rude man on the phone who instead of listening to me explained that I was totally wrong with out listening to me, explained no I could not speak to someone above him and then hung up on me. I will never use Wells Fargo again.This whole issue was because I made a payment in jan. Then later in the month made a payment for my Feb. payment. Because I did not make a payment in Feb. They charged me a late fee. Instead of waiving the fee since obviously I was paying on time, they were rude. Not only that told me I needed to make my payment like they said or they will keep charging me late fees. Then made a rude comment about if I could read then I would have known their policy.

Wells Fargo Is A B*** S*** Bank.
- jamaicanbabe - Friday, March 16, 2012 - 10:01 PM

I WAS A VERY HAPPY WACHOVIA CUSTOMER BUT SINCE THE TRANSITION I HAVE TO SAY I WANT THEM BACK. WELLS FARGO ONLY THINKS ABOUT HOW THEY CAN GET YOUR MONEY NOT HOW TO GIVE GREAT CUSTOMER SERVICE.I SET UP MY ACCOUNTS TO TRANSFER MONEY FROM ONE ACCOUNT TO THE OTHER ON A SPECIFIC DAY OF THE WEEK, I WENT ONLINE TO CHECK MY ACCOUNT ONLY TO SEE THAT I WAS CHARGED A OVERDRAFT FEE. I CALLED THE CUSTOMER SEREVICE TO FIND OUT THE PROBLEM ONLY TO HEAR THAT I DID NOT HAVE SUFFICEINT AMOUNT OF MONEY IN THAT ACCOUNT BUT BECAUSE I HAVE A OVERDRAFT PROTECTION ACCOUNT SET UPTHEY TRANSFERED THE MONEY TO THE ACCOUNT AND THEN CHARGED ME AND OVERDRAFT FEE WHICH WAS MORE THAN THE MONEY I NEEDED TO MAKE UP TO DO THE TRANSFER. THEN THEY TOLD ME THAT THE TRANSFER WOULD NOT GO THROUGH ONLY IF I HAD CALLED TO CANCEL OR IF THE ACCOUNT BALANCE WAS $0. WITH WACHOVIA THEY WOULD NOT CHARGE U AN OVERDRAFT FEE IF U HAVE A OVERDRAFT PROTECTION ACCOUNT BUT NO WELLS FARGO CHARGES U TO TRANSFER MONEY FROM ONE OF UR ACCOUNT TO ANOTHER AND WACHOVIA WOULD NOT HAVE TRANSFERED THE MONEY IF U DID  NOT HAVE SUFFICENT FUNDS IN UR ORIGINAL ACCOUNT. WELLS FARGO IS A B*** S*** BANK AND IT NEEDS  TO CLOSE.

Wellls Fargo- Terrible!
- Claude - Friday, February 10, 2012 - 5:21 PM

I have had nothing but bad experiences w/this bank.  The financial advisors are a joke!  Don't use them.  I'll go so far as to say they employed dishonest tactics to keep my accounts, but provided horrible service & advice.

Wells Fargo Bill Pay
- penelopep - Friday, December 16, 2011 - 12:21 AM

Like many of the previous posters, have been a wachovia customer for many years without any issues.  I have relied on bill pay for the past 10 years or so and just gotten an email from wells fargo that my bill pay was no longer available.  After spending 30 minutes on hold with customer support, than going to a branch for 30 minutes to find out there was an upgrade to the system so that people without social security numbers could use bill pay, I am now still unable to use bill pay until they fix the system.  72 hours later, 4 phone calls, a visit to the branch I find out my 4 pending payments were just canceled because of the issue, with no notice to me.  No communication from WF about this, totally bad business and unacceptable.  They are dealing with people's credit and money, I have never been late with a payment and now I was going to be late because of my own bank.  I will be taking my banking elsewhere which is unfortunate because i was a very satisfied wachovia customer for years. 

Loyal Customer
- Jen - Sunday, June 5, 2011 - 11:51 PM

I was slowly paying off my credit debt with this bank on a loan I took out in order to buy a used car, when I noticed a couple discrepancies on my statements. I was being charged a higher interest rate than I agreed upon for the loan, plus I was being charged for a service I never use and do not remember signing up for. I figured it would be difficult to speak to the representative who originally consulted with me about the loan, but I was able to talk to him directly and get the change clarified. The bank also compensated me for the service I never used and unsubscribed me without any hassle. I was so glad I was not pressured to continue to pay for the service; it was removed without too much trouble and the rep. apologized. This is why I continue to do my banking with Wells Fargo.

Fees, Fees And More Fees!
- aleroprincess - Thursday, May 24, 2012 - 6:17 AM

 

My first bank account was with Wachovia and I never had a problem but now that Wells Fargo has taken over I’ve incurred so many ridiculous fees. I have their Way 2 Save program where they debit $1 out of your checking account everytime you use your Debit Card and put it into your savings. Great way for me to start a savings and also have overdraft protection. Well times are hard and I have been finding my checking account short a lot lately so I’ve been transfering money from my savings to my checking pretty much weekly. Everytime you transfer online it says that excessive tranfsers may incur a fee. I never really paid much attention to that because I didn’t think transferring once a week was excessive. Well Wells Fargo thinks differently then I do…..they charged me 2 fees of $15 each for transferring my money from one account to another. I called and spoke to customer service and they told me it’s federally regulated and not the banks doing! What a freakin joke!!!So in other words Wells Fargo can transfer my money from my checking to my savings several times a day or whenever I use my bank card and the government is all for it but I can’t transfer my own money when I need to without incurring a fee! Time to find a new bank!

 

This Bank Will Not Even Tell You Why They Do Not Want Your Business They Just Drop You After Charging You The Costomary Fees, This Is Just A Word To The Wise BEWARE.
- hmscapcorp - Thursday, April 5, 2012 - 10:41 PM

i do not have any thing else to say to short or just a way to avoid posting do you work for the banks.

Perhaps It's Just Me
- Riverweasel - Wednesday, February 22, 2012 - 4:13 PM

I'm in the army, stationed out in Germany, and let me start off by stating to anyone who doesn't know, Wells Fargo has zero branches in this country. I already had an account, both checkings and savings, with them before coming over. I've always been a loyal person and it's because of this that I still haven't transferred over to a new bank.

I see a lot of people dogging on the personal customer service, and that's where I wonder if it's just me, but I can't write a review and rate this bank based on other people's experiences. What I do know is that during the issues that came up, I was able to contact them through Skype in the states and was given maximum service in order to best fix the issues.

First issue that came up, and this one I was very unhappy about, but part of the fault fell on me, was they unexpectedly sent my debit card into conversion as a fraud prevention technique. I was only notified of this by a letter in the mail, and I had never figured I should change my mailing address from when I lived in California as since I had switched all my statements to the online service only, there shouldn't be anything coming from them. Unfortunately, this meant that I was stuck with only ten dollars in cash and no way to access my electronic funds and had to take out a loan in order to live long enough for the replacement card to go through customs and reach me.

During this process, I logged near as much five hours of phone time with them, and though the issue wasn't resolved as fast as I would have liked, I understood their limitations with overseas shipping. This was also acceptable because I got to talk to actual people who knew what they were doing. So often, you try to contact someone and all you get are automated answering machines who create a helllish maze for you to waddle through to finally find a representative. Wells fargo is much easier as the option to connect to a banker is only one submenu down.

The second issue was that I was caught into a small phishing scheme and called the bank in order to sever the ties the merchant group had with my card. I was unaware that the only way to do that was to close my card, the one I had just received in the mail two weeks ago. She thought I knew that and closed it before I even got a chance to take a breath. I let her know my situation and all that I had gone through and she spent thirty minutes running through her supervisory chain to get hold of a top level executive. The exec quickly jumped on it and overrode the shutdown on my card, saving both me and my unit what would have disastrous headaches. Instead of waiting another two weeks for yet another card, mine will be up and running again in about a day.

Maybe I've just gotten lucky, but personal service has always been able to trump over the mistakes the service has run into. The problems they and I ran myself into were frustrating, but the service they provided to help get me back out of them was stellar and I would like to thank them for that.

Bad Check Written To Me And I Get Treated Like A Criminal
- goranch - Tuesday, January 17, 2012 - 7:50 AM

I was sent a cashiers check and it was no good. WF put a 5 day hold on it when it was deposited for it to clear. I recieved no money from it. When it did not clear our account was locked, put on hold to close in 10 days. We were told we can never be WF customers again. They allowed our direct deposit to go in, but refused to let us have any of our funds for gas or groceries. They said they would pay any checks that come through but did not so now I have to deal with car payments and insurance that was returned NSF. Bad Business practices.

Daily ATM Cash Withdrawal
- flsunshinestate - Monday, January 16, 2012 - 12:02 PM

I was a happy customer of Wachovia bank who as we know was bought by Wells Fargo. I didn't think much of the acquisition and the transition was quite seamless. I went in one day to perform a transaction and it was recommended by a teller that I meet with a banker to discuss some options that would safeguard the large sum of funds that I had in my savings acct. It was recommended to me that I open a money market account. She opened for me a new money market account, a check and save as you go account. According to her the reason for this recommendation was that if my card was ever stolen it would better protect me. In theory everything was fine. However, a couple times since then I was hit with overdraft fees. I use my bank card for everything. My dissatisfaction came later when I tried taking out several hundred dollars from a ATM and was not able to. I then spoke with a rep and a supervisor who was not able to raise my limit not even temporarily. However, it's okay if I used my card for point of sale purchases in any amount and any amount of times. Seeing that I'm not able to access my money as I intend to then I need a better bank who will meet my spending habits with the right product. I take responsibility for not putting enough money in my new save as you go account to cover the possibilities of over withdrawals. But, what I'm disappointed in is a bank rep not being able to grant me access to my money when I needed it.

Mortgage Re-Finance
- jhasse01 - Friday, January 13, 2012 - 11:05 AM

i currently have a mortgage with Wells Fargo. I have excellent credit and perfect pay history with Wells.

i have been solicited to re-finance my current mortgage. I am in the process of re-financing however i was told i could not use my 2011 income(W-2) to qualify. They instead asked for my 2009 &2010 tax returns. My 2011 income is substantially more than my 2009. My 2007 income is substantially more than my 2009, but they would not consider it either. I was told with the new govt programs the process has been stream-lined. It is a joke.

I guess if i stopped paying i might get a break!  So much for mortgage companies wanting to help the average

joe. Disappointed again,

jh, SmithfiledVa.

Choose A Different Bank!!
- burg900 - Wednesday, December 21, 2011 - 4:52 PM

I had a Wachovia bank checking and saving account for 5 year when Wells fargo bought them. I had the best customer service ever from them. No matter how big or smalll the issue was Wachovia did their best to fix the situation. Now that Wells Fargo stepped in, day's have turned to night. No customer service period. You can call however you will end up angry and frustrated. I would like to give you examples of my issues but I would need weeks to explain. Lets just say being married means nothing to them for you and your spouse as they treat you like indiviuals and not as a partner. Even if you share a bank account. LOL Very difficult to get anything accomplished. Customer service if you want to call it that, are very rude. Please take my advice and choose a different bank!! You will regret it if you don't.   Oh BTW I gave them 1 star because I had to.

Sneaky Bank Is Stealing Money...A Wachovia Transfer
- BillHoward - Tuesday, November 22, 2011 - 9:56 AM

I was forced into Wells Fargo because of Wachovia being taken over by Well Fargo and it's been a nightmare from day one...from all of the hidden fees to the losses I suffered during the month of the transfer. This was due to the fact that I was unable to track transaction and wound up with over $200 dollars worth of overdrafts... now I find out that even though I have OD protection I am being charged a $12.50 fee every time it's used. It comes directly from my savings and there was never a charge for that when I was with Wachovia. I'm out of here.

I knew it was going to be a rough transition. My deposit is not big enough for them to be concerned.

Rough And Rugged Road With My Mortgage......
- steve - Tuesday, November 15, 2011 - 5:16 PM

Ive been with Well Fargo for about 8 years now with my mortgage and it has been tough to say the least they are always making mistakes you need to keep excellent records or its your fault  my local bank just down the street isnt much better every month same time I make my house note same unprofessional employees give me a hard time its tough you cant even drop off money at a bank lol. It takes a lot for me to sit down and write a review but this is the worst of all time employees and management the bank is in frisco texas (starwood branch) for all who wants to know. Best of luck to everyone watch out for the above.........

Good Service But Low Rates
- sluigij - Sunday, November 13, 2011 - 10:11 PM

I always get friendly, helpful service both in my local branch and when calling the main office for phone service. My beef with Wells Fargo is that their savings rates are so darn low that I have to go elsewhere for CD's.

Another Decades-Long Profitable Norwest Customer Blown Off Repetitively (25% My Fault/75% Theirs)
- anonymousa - Tuesday, November 8, 2011 - 1:33 PM

I was with Norwest and then WF for 12 years (credit and checking accts) and for about the first decade everything seemed fine. I'm a relatively big-fish for checking account and so it saw lots of use and not many fees. The only problem I really had was discovering 7 years on down the road, that I wasn't getting points from my debit rewards card, but they fixed it quickly, did a retroactive credit and without much BS. Mostly I appreciated the ability to move all over the country and never have to change banks. 

However maybe 3-4 years ago something started to change with the way card transactions posted, and I started getting more overdraft charges. After the third or fourth time of seeing the same pattern of deposits and card transactions leading to severe overdrafts- I let go of the semi-automatic guilt of getting an overage notice, and started to realize that it wasn't MY behavior that had somehow gotten worse!!! And I started looking around for a new bank.

I first went with a large state-level commercial bank and while it felt better to be keeping my money in the state, I still felt like the debit card transactions were posting in pretty strange ways sometimes. Also this banks online system proved almost impossible for me to regularly use for a variety of reasons. So I kept looking for bank that seemed like it actually wanted my business.

When I finally discovered a credit union I liked, I didn't officially "switch" from WF, I just kept my balance really low and started mostly using my CU acct. This is what I did that was stupid. Because the auto bill from my WF CC to my checking account at WF was still active, it kept drawing down my small WF checking balance. So it got to the point where the checking was sub-$100 overdrawn, and because I wasn't paying any attention to my 12 year old unused checking account anymore, I let it go for 30 days. According to WF they "tried" to call me but didn't have my current phone number (did I mention the acct was 12 years old?) 

So of course these days they don't send you a letter until its been 30 days, and apparently they also close accounts without valid phone numbers, after 30 days (instead of the normal 60)- so this resulted in my not being aware of the overage until the account was already closed and reported to chexsystems!!! And of course even though it was paid off within days of the notice, its still on chexsystems preventing my from ever opening another checking account! 

Whats REALLY wierd, is a very similar thing then happened to my Wells Fargo CC about six month later. I kept the CC open because at that point it was the only rewards debit or credit card I had. Was making a lot of online purchases at this point and because it was during the 2011 summer CC fraud-wave, my larger online purchases kept getting frozen or rejected by WF fraud prevention. 

Fine, I understand this is part of having a safe credit card. What got annoying was to tell people at WF over and over that I was planning on making more big onine purchases and to please keep the line open in the future. I kept telling people this and it kept accomplishing nothing. So due to all this mucking about (and one of the big transactions being refunded) there were a whole series of large pending transactions some of which stayed pending for OVER TWO WEEKS! All this without every showing the transactions in the online program, so all I had to go on, while trying to maximize use of my points card- was running balance and available credit, for several weeks. I could tell my balance wasn't really matched up with reality but because I don't keep a seperate set of books I couldn't tell how bad it had gotten.

So I continued to make payments about once a week and make big online purchases. Because the amounts were always less than the available credit for that day, and because the transactions were successful, I assumed things were more or less ok. Imagine my surprise to login one day and see my account was overlimit by more than 2 grand- and transactions had cleared even DAYS AFTER the card was supposedly overlimit!! I immediately made a payment to bring it back under limit, and when I login again three days later to see if the payment cleared, I discovered that yes the payment cleared and that WF had also CLOSED THE CREDIT CARD! ALL REWARDS POINTS DELETED !

So of course that now makes two seperate WF accts that have been closed before they even gave me a chance to fix things. I was quite surprised to learn that a CC can go from underlimit to overlimit to closed in three days on a weekend. Probably even more surprised to learn that an assisant branch manager on the phone with corporate, can spend two hours trying to help me out and get nowhere. Apparently they don't want the business of the middle class anymore.

The silver lining it all this was to learn a few wierd facts about the payment processors (Mastercard in this case). Again these are things the WF branch told me after this happened

1- Even if you are told for 12 years you have a certain credit limit, in actuality its only theoretical and won't always stop transactions from going through above that limit.

2- Payment processors have the ability to "force" transactions to go through, even above your limit (Under certain circumstances of course) what made my particular purchases qualify for these special circumstances clauses, they never explained real well. Because they were online buys where I hadn't recieved or shipped any products yet, you'd think cancelling the transactions would be easier and not require "forcing" anything. And "wierdly enough" thats exactly what happened with a couple of smaller purchases in that time frame- but the big ones were ALL FORCED through which is what led to the overage disaster.

So again I do take reponsibility for not keeping my own ledger, but for all the rest of this- especially the continued and consistent inaccuracy of the online banking product (which was "of course" modified within a few days of this happening to me) I do blame Wells Fargo. I also blame them for not having customer reps with authority to overide the computer algorithms, which is obviously causing the loss of profitable customers.

Anyways the REAL silver lining to this is now ALL my loans and accts are with, or soon to be with, credit unions. You feel better, are treated better, and with CO-OP network CUs you can go to any branch across the whole country, deposit checks etc !

Ill Never Switch!
- Sarah - Monday, May 16, 2011 - 5:08 PM

I love Wells Fargo so much! I joined with them over 6 years ago to open a simple checking account. Since then, I have had a child and a 401k which continues to grow thanks to the mindful assistance of my wonderful financial aide. I never have problems (except when the lines are somewhat larger than expected) that are worth mentioning!

Deceptive Refinancing Practices
- MJPereira - Monday, April 23, 2012 - 7:39 PM

In an attempt to refinance my condo under the HARP Program, I was told I could refinance at a rate of 3.875% based on a 125% loan amount  to the valuation of my condo.  When the appraiser valued my condo at 155k, when comparable sales were at 175k and my City Tax Appraisal at 181k only months before I was completely shocked.  Upon reviewing my appraisal I noticed that the appraiser, who was hired by Wells Fargo which only provides them the incentive to give Wells Fargo favorable valuations to continue this business relationship, he overlooked 3 properties that sold in my complex around 190k-170k and instead included a foreclosure sale and a property in another/less desirable complex with almost half the square footage of my condo.  In addition, I was told that since the appraiser feels I live in a declining market, he adjusted actual home sale prices to be lower than the actual sale price because in the future they may be worth less money.   Last I checked, I was being examined for the value of my condo today with out his subjective opinion.  Wells Fargo routinely uses back handed, deceptive and unscrupulous practices to milk every single possible penny out of hard working loyal customers.  I should also note that my credit score is 803 (very close to perfect) yet I'm treated like garbage to them.

Wellsfargo Bank Of Winona, Cashed Our Stolen Checks Without Checking Any ID Of The Person
- nnss8871 - Thursday, March 8, 2012 - 3:02 AM

Wellsfargo Bank of Winona, cashed our stolen checks without checking any ID of the person, and now they refuse to pay back our money, three checks amounting to $ 3800.00.  Also, they never checked the signatures.  The thief just wrote our names in the back of the checks (not the proper signatures)!  The police caught the thief, and it is six months and we can't resolve the issue with the Wellsfargo Bank in Winona.

They Do Not Really Value Their Customers
- RandyG - Tuesday, December 6, 2011 - 9:45 PM

 

Ugh!  The process of buying (and selling) real estate is so annoying!  The underwriter for my loan wanted me to provide a letter explaining where the money deposited into my (Wells Fargo) checking account (for a down payment for a house) came from, so I had to hunt up documentation from a few months ago showing that the money had come from me liquidating my Wells Fargo managed mutual fund, since my Wells Fargo mortgage loan officer could not figure that out for themselves without me taking half a day off from work to hunt up a Wells Fargo bank statement and fax it back to my Wells Fargo mortgage loan officer about where the extra money in my Wells Fargo checking account came from. Do you understand why I am a bit frustrated at Wells Fargo right now? I am a “customer”, not a criminal, so shouldn’t they be kissing my shoes, trying to get me to take a loan, instead of going out of their way to try to annoy me? Every time that I turn around, someone else wants just another letter of explanation, another letter of reassurance, another document, another bank statement … enough already! Just because I am helping the economy by buying a house doesn’t automatically mean that I am some shady character simply because I actually have some “savings” even in the middle of a recession, on a government salary, and can afford to buy something.  

I realize that the mortgage bankers are skittish after the real estate bust in 2008 (which every decent economist predicted years ago), but this is ridiculous! And this is typical of how they treat former customers of Wachovia Bank (whom they acquired) and whom that I have had accounts for several years. Wells Fargo has a worse website (counter initiative and hard to read), more paperwork requirements, and tends to be less helpful and less responsive to customer requests than Wachovia ever was.

 

Avoid New Bank Fee By Switching To Value Checking Account
- MPC - Wednesday, November 9, 2011 - 12:32 PM

I too am angry that Wells Fargo is now charging for their 'free' checking account and am looking at other banks. I have never had problems with them before and am reluctant to leave. The reviews of the other banks are pretty acrid. However, it seems that you can convert your checking to a Value Checking account which is free with direct deposit but seemingly the same level of services. I have not yet made the conversion but will do so soon. Why the bank rather risks losing long-time customers rather than ask everyone to convert their accounts shall remain a mystery...