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 **** 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!

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

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.

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!

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 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.

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 ****ed 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.

 

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.  

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***

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 ****ed - 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!!! 

Customers Do Not Count At Wells Fargo
- Palmfun - Saturday, June 2, 2012 - 4:06 AM

I have been a customer of Wells Fargo for more than twenty years. In the last few years, it has become obvious that Wells Fargo only cares about itself. That's the bottom line. Every single policy is made up to protect Wells Fargo and does not take into consideration the value of longstanding customers. This bank and its policy makers are arrogant at maximum.

I plan to withdraw my accounts from this institution and nput my funds in a local credit union.

Enough is enough.

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.

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 ****ed 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.

 

 

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!!!!

Surprise $ 8.00 Checking Account Fee
- CTM - Wednesday, May 22, 2013 - 12:50 PM

This morning I got the monthly e-mail from Wells Fargo indicating that my checking account statement was ready to view.  Much to my surprise, it included an $ 8.00 fee.

I called the 800 number and asked why the fee appeared this month.  I always have a balance above the minimum required to waive the fee and also have direct payment of my mortgage from the checking account, which also qualifies for the fee waiver.

The CSR (typically) had no idea why I got charged the fee, but he removed it. He also tried to push one of their credit cards during the call.

Check your statements!

Security Measures Ignored.
- nanjan1215 - Tuesday, February 19, 2013 - 7:19 AM

I received an email that Wells Fargo has updated the contact information as requested.  Since I had not requested any info to be updated, I called. They assured me that my accounts were still listed with the info I provided.

Few days later, I got in the mail 3 cards again notifying me of contact info being updated as requested, with account numbers that did not belong to either my or my husband's accounts.  I went to the bank with these cards and inquired as to what was going on.  The rep proceeds to tell me that my husband's address and personal information was updated to an address that we did not live, and all information was wrong.  I asked how this could be done, and we changed all the info back.  The person it was changed to rented their home, we own, employers and salary different, etc.

Kept calling and asking what is being done.  They had the fraud dept and id theft depts involved, still no answers.  I got a phone call from a gentlemen who said he is receiving my husbands mail from Wells Fargo at his house, along with a credit card in my husband's name.  They have the same first name and this man had our old phone number from 10 years ago.  He cut up the card and sent it back to WF, and said he knew that wasn't for him because his credit isn't that good to get that much credit.

Find out after I threatened to get a lawyer, this person was issued a credit card, debit card, and an equity line of credit on my house (remember he rents his home).  Turns out someone in the branch called this man to ask if he wanted a credit card, when asked his social security #, the bank employee said "Oh, we have something different here" and changed it...asked mother's maiden name and said, "Oh, we have different info here", and changed it.  Security meant nothing!!!!!!!!!!

Now in the midst of finding another bank.  WF has been apologetic and offering free credit checks for 1 year, but can this happen again??

 

Flat Out The Worst Bank Ever.
- mykrossini - Friday, October 5, 2012 - 2:38 AM

BEWARE Wells Fargo is out to get your money. They offer no actual free checking accounts. They have hidden fees and service charges at every turn. I actually got charged a service fee to walk into a branch in person and make a small ($100) withdrawal from my account. I strongly recommend you stay as far away from Wells Fargo as humanly possible. Anything they tell you to try to get you to set up an account is very carefully devised to keep the real information from you and make you believe what they want you to believe. It takes very little reading on their own banking website to uncover their snake-like scams. They are the worst bank I have ever done business with and I have had at least one account with almost every major bank and many of the smaller regional banks. Avoid Wells Fargo at all costs. I will be filing reports with every agency possible to inform them, or most likely add to the reports, of the abhorrent banking policies that Wells Fargo is getting away with. With no exaggeration, they are liars and thieves. A true disgrace to the banking industry.

Was Wachovia Now Wells Fargo And Will Now Close Account
- 2Tall - Friday, June 8, 2012 - 9:34 PM

We want to keep you informed of upcoming changes to your account. Effective August 7, 2012, your Essential Checking account will have a $5 monthly service fee with online only statements ($7 with paper statements). This fee can be waived with one of the following:



- Maintain a $1,500 minimum daily balance OR



- Maintain qualifying direct deposits totaling $500 or more each statement cycle. A qualifying direct deposit is a direct deposit of your salary, pension, Social Security, or other regular monthly income, electronically deposited to this Essential Checking account by your employer or an outside agency. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as a direct deposit.



If you do not meet one of the criteria above, the monthly service fee will appear on your account statement on or after September 10, 2012.



 

“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...

7

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!

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.... )

 

 

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.

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!

 

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

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 :)

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.

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!

Worst Customer Service - Never Try To Apply For A Loan
- debbybowerman - Monday, March 11, 2013 - 1:20 PM

I have banked with Wells Fargo for around 5-6 years now.  I am looking to switch ALL banking services to another bank after the way my husband and I and my parents have been treated when looking into their loans for refinance and home equity.  I understand the laws are very strict now thanks to a slew of irresponsible banking practices and even less responsible and informed customers taking advange of these and causing our current financial disasters.  However, I at least expect to get treated with respect and receive periodic updates on these processes along with accurate information UP FRONT on qualifications required.  When my husband and I inquired about a refinancing opportunity that WELLS FARGO CAME TO US ABOUT, I specifically asked up front what the required credit rating was, how they calculated that rating (so I could calculate for myself up front before letting them pull credit) and any additional requirements (such as debt to income ratio which is a common standard).  They provided me some basics on the credit rating and neglected to cover debt to income ratio at all and then declined us (AFTER SENDING NOTIFICATION WE WERE APPROVED WITH DOCUMENTS TO SIGN AND A REQUEST TO RETURN IN THE PROVIDED ENVELOPE) based on debt to income ratio.  They also could not clearly explain to me HOW they calculated their debt to income ratio - I only know that what I came up with was different than what they did, so no clue on that one.  I was using the standard I could find online - maybe I'm off, but I did actually ask that question up front and told them I did not want to apply if I couldn't clarify I met the basic requirements up front and they neglected to properly inform me on these.  Just to clarify again, I understand why we didn't get the refinance - I'm ok with that.  I'm terribly upset at how things were handled from a customer service perspective - we were misinformed of the requirements we requested up front and then NEVER contacted or properly notified on status or issue.  We received the decline notice several WEEKS after receiving an APPROVED notice!!

During all of this, my parents had already started an application (unfortunately) with this bank for a home equity loan.  They started this process in JANUARY and it is now nearing mid-March and we still have NO CLUE where we stand on them getting the loan.  The process has been extremely confusing and upsetting to my parents and we have requested multiple times to receive the "elusive" 3rd party verfication affidavit which would allow me to handle things on their behalf.  A MONTH later we finally got the form and then discovered that ALL prior documents received on the same day had be processed with the exception of this one.  So they continue to call my parents, my parents do not understand what more they are asking for, they call me, together we call the bank back so that I can hear first hand the request (after much hesitation on their part despite the fact my mom is on speaker phone right next to me) and then I finally am able to help get what is requested and send it in.  And you would think it is the most impossible request in the world to get a check list of what documentation is needed.... the list doesn't exist.  Instead, we send in information that gets processed incorrectly - we are on our third attempt to get the information right - only to call back ourselves multiple times leaving messages over the course of 1-2 weeks and finally get some random person who updates us that 1-2 weeks ago it was documented further information was needed.  If we never called, we would never know things were on hold pending more documentation we didn't have a clue they even needed!!  A little more competence and customer service would be nice.  Be warned, you will not get either if you use this bank for a loan - I highly recommend against it!

Unfortunately, we have so much time invested now it would probably send my parents (and a very pregnant me) into the hospital to consider starting over again.  Again, I understand strict government rules and regulations due to the financial crisis, but I also expect a certain level of customer service to go along with that and this bank just doesn't have it.  If you at least TELL me what the requirements are, we might have a prayer of meeting them - but unfortunately no one has the capacity to return phone calls there.  Only after you hound them and ask to speak to a manager do you get one more step ahead - which isn't saying much because there will just be another unknown road block in front of you.  By the way, my parents happen to have STELLAR credit - scores in the 800s, next to no debt and they are looking for a loan on a house that is PAID IN FULL!!  You would think people would be beating down their door to give them a small loan (we are only asking for a loan of ~22% of the value of the paid in full home to complete some landscaping and updates to the house!).

Just sad - I miss the days of real customer service - they don't exist anywhere anymore it seems.

Fraud At Wells Fargo
- DWJJ - Tuesday, October 16, 2012 - 11:35 AM

Wells Fargo never called to tell me why my debit card wasn't working. Turns out someone else tried to charge $750 dollars to it so they cancelled the card. Also, they randomly charged me an $8 service fee that i've never heard of. I went to the bank to get my car title notarized and they didn't have a notary available. These are just a few reasons why i'm switching banks. They portray a commercial attitude, always trying to sell you new ideas. I'm looking for a simple bank that practices what they preach.

Wells Fargo Is The Worst Bank I Could Have Ever Dreamed Working With
- pjsim - Thursday, October 11, 2012 - 3:21 PM

I'm a college student at The College of New Jersey.  Wells Fargo is the only bank available to me on campus, being it is the only ATM here at TCNJ where I attend.  During orientation, they had a booth offering to open up a FREE!!!! College Student card with no fees, and a minimum of only $100.  Great! I thought, what a nice bank Wells Fargo must be.  The man working the booth takes my ID, walks me thru the sign up sheet and after a short 10 minutes I was on my way to having this checking account.  Nice and simple, what could go wrong?

 

3 weeks later, I finally receive my debit card in the mail.  On the face of the letter, there is something a little off.  My name is backwards.  The person who copied my ID to the sheet put my name as my middle name and first name switched, so my card did not have the correct name on it.  I was a little annoyed by this, but understood mistakes happen.  So, I went to a branch to get it straightened out.  The teller at the bank was very helpful, nice and pleasant.  She told me that contrary to what i was told, I was opened up for a account with a $5.95 monthly fee and no minimum.  So, pretty much, the man at the stand blatantly lied to my face when opening my account and tried to **** me with fees.  WHATEVER! It could have been worse, at least we caught it.  We open up a new savings account with a $300 minimum and no fees.  Not really what i wanted, but thats okay. I fill out the necessary forms and set my pin at the branch.  I was so happy it was all finally over.

 

Not.  After another 3 weeks, my card comes in the mail.  My name is spelt right and all!  Yesterday, I desperately needed money so I ran to the ATM on campus.  I stick it in, punch in my pin.  Denied, incorrect pin.  I try it again (I must have miss typed it!)?!  Nope.  The pin does not work.  WHY DOES THE PIN NOT WORK.  THIS MUST BE A NIGHTMARE.

 

That night, I email Wells Fargo pertaining to the PIN problem, and they respond to me saying I have to call or go into a branch in order to change my pin.  I have no car, I'm a freshman in college.  So, obviously I call the 800 number.  The women on the phone tells me that I can't change it over the phone (I think, I could barely understand a word she was saying), then continues on to tell me about a new emergency cash card that is perfect for college students who needs some cash in an emergency that I should consider signing up for.  I immediately hang up on her.  That's where I'm at now, writing this review.  I am furious.  I've never been more frustrated by a bank In my entire life.  

 

If you have the choice people, go with Chase.  Anything but Wells Fargo, save yourselves the stress and anger.  

Horrible Bank - Stay Clear At All Costs
- Atlanta - Thursday, October 4, 2012 - 10:26 PM

If I could give a negative star rating I would!

I am a small business owner with continual issues with my Wells Fargo Business Accounts and Wells Fargo customer service.  Most recently and the last straw was this evening.  I am winding down these business accounts and had cancelled my American Express and NPC merchant accounts, but the monthly charges hit my WF account anyway, saddling me with two overdraft charges which WF refused to refund.  $70.00 worth of fees for $27.95 worth of transactions?  Come on!

I called Wells Fargo customer service to seek assistance, but true to form...I encountered an unhelpful and smug CS rep (and her manager).

Also, I have repeatedly tried to set up auto-payments/online bill pay for the business credit card.  These transactions were set up incorrectly multiple times by (I am assuming) a fully trained WF staff, but long story short...the payments never went through, at which point I was charged a $50 late fee.  So each month, I'd spend 30 minutes or more on the phone with WF business customer service to clear it up and make the payment manually.  Evenually the $50 fees would be credited back to my account, but the damage was done.  This has happened at least 4 times resulting in an increase in my rate.  When I tried to get the rate reduced, I was told that it was not possible due to the repeated tardiness of my payments.  Tardiness caused by Wells Fargo customer service errors!

Please stay away from this bank.  They are the true definition of greed and don't know the meaning of the words customer or service!

Cost Of Checks And Mailing Fee
- angietraylor - Wednesday, August 15, 2012 - 5:42 PM

I paid a total of over $ 92.00 to have printed and sent to me 200 checks! Outrageous, robbery. I had no choice since I can't just switch overnight. After having been with this bank all thru it's different ownerships for more then 4 decades, it's time to switch!

DO NOT BANK WITH WELLS FARGO
- BevGoodier - Wednesday, August 1, 2012 - 11:06 AM

We've had a personal checking and a business account with Wells fargo since 1992. At first we loved the free checking accounts and never had a problem at all. But in the past year or two, we have become more & more dissatisfied. Actually, that's not the word I would use today to describe our feelings about this bank. Their customer service has become over-the top friendly in direct proportion to the sneaky fees they zap. All of a sudden there's a "monthly service" fee and a "monthly statement" fee and "it's a rainy day" fee and "it's NOT a rainy day" fee....

When I saw the "monthly service" fee for the first time, I called and asked what it was, and the VERY chummy employee sang, " OH! Would you like me to reverse that for you? I'll be VERY HAPPY to do that! just for YOUUU!" So it was.

I asked her to reinstate my fee free account so I wouldn't have to call again. "OH! blah, blah THIS!" and "double-talk THAT!" Several setences later I tuned out, knowing that my fee free checking days were over. I was right. If I call, they are EAGER to refund the MONTHLY SERVICE FEE but otherwise, they hope & pray I won't notice.

I had to go into a Wells Fargo bank recently to inquire about yet another fee and they now actually have a greeter who stands at the door, and SINGS to you as you enter, "WELL, H-E-L-L-OOOO! WHAT may we DO for you today??? Would you like a LOLLIPOP?! You look like someone who could use a LOLLIPOP!"

DO I have "SUCKER" stamped on my forehead?? Thank you, Wells Fargo happy-greeter-person! I must be a sucker to stay with Wells Fargo. If I survive the "closing your account" fee, the "please don't go away" fee and the "how can we live without you" fee, you'll find me at INGGIRECT.com.

 

Banking System Error
- yijianshi - Thursday, July 5, 2012 - 12:58 PM

I had an checking account with the WellsFargo bank at San Antonio Mountain View for many years without any problem until they upgraded their system several years ago. Right after that upgrade, I found that I was charged extra service fee by their new system. I pointed it out to them and asked them to correct it. They did refund it the first time and told me the system error had been corrected. I trusted them. Since they stop sending me paper statements, I did not realize that they were continuing making the same mistake overe and over again until a year later...

When I found that they were still repeating the same mistake to me, I printed out all the statements with and brought them to the bank asking they to correct their mistake. However, they only refund the fee for 3 months and refuse to refund the fee of 4 months and older...

I am ashamed of them by the fact that they would refuse to correct their own mistake, especially the customer had pointed out the same mistake to them before...

Thought They Were Bad In California!
- Dauber303 - Wednesday, May 30, 2012 - 4:08 PM

Moved to Scottsdale only to find out the WF here is worse!

Set up new accounts, checking & savings. Asked for a differnt card for each, as I had in Cali.

They said they ordered them, but nothing showed up. Waited for 10 days, then went back to the banch r. Asked the young guy what the staus was. He checked and found out he hadn't oredered them. Wiated while he re-oredered. ASked him if he remembered to order 2. Oh yeah.

On the way out, saw the Branch Mgr and told him I wasn't pleased. I understand people make mistakes. But why do I have to come ask if his people have done there jobs?

In 3 days I receieved one card, not 2. Had to go ack to the branch. He forgot to oreder the second one.

Not a happy camper. I am looking for a better bank in AZ if there is one.

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!

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

 

 

 

 

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.

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. 

Dont Travel With WF Debit/ATM Card ... Us CHASE Or AMEX.
- rexmm - Thursday, August 9, 2012 - 7:27 PM

Thinking of going to Wells Fargo ... think again.
This specific location management totally ****ed up ... and will not take responsibility.
We opened a secondary Checking/Debit/ATM account for specific travel through Mexico and Guatemala as we did not want to travel with our main account cards.
The reason for the new account was very very specific.
Then while on our trip ... the card was flagged as possible fraud use ... and shut down because the card was being used in Mexico! What a surprise ... Stranded in Mexico with no other means of money access.
The card said to call the Collect number on the back from international locations.
The collect phone charges were not honored by Wells Fargo ... we had to pay the Hotel the $85.00 for the phone calls (they kept hanging up on us).
Upon return home ... we talked to the Banker at this location ... they said we had to contact the number on the Card ... we called the number on the card ... they said whe had to contact the Banker. Typical run-around. Finally talking to the Bank Manager she flatly refused to do anything about it. "Charges to a third party (hotel) are not something that they will refund". This Bank's mistake ... the card should never have been flagged as possible fraud as we made those arangements up front before leaving. This Bank's mistake costs me the $85.00. This Bank Manager Michelle's attitude is that we can close our account and go to another bank. Nothing they can do.

This is all you can expect after belonging to this bank for over 12 years, having 3 mortgages with them, and several banking accounts.

My other card I have with CHASE that I use for business travel ... always takes care of me. Really well. We are going to go to Chase from now on.

How can we get our mortgages transferred to CHASE?

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.

Wells Fargo Is The Worst!
- NOwellsfargo - Monday, February 25, 2013 - 11:52 AM

A 15 year wells deposit customer. I went to them for a small equity loan against a property with 500k equity.

A secured loan mind you. they ran me through the ringier with a constant barrage of paperwork requests, additional questions, poor response times and overall the worst worst worst customer service ever. Almost 2 months of this!

in the end they deinied my loan even though is was secured. how totally stupid of them

i went and opened a wells credit card which was approved immediately. Then once i got it ran it through

my personal pay pal card reader and maxed it out as a merchandise sale and got my needed cash unsecured.

Yes its a bit more expensive, but in the end i secured my home improvement funds and now they can sweat out the unsecured position without a lean on my property.

I cant impolore you enough NEVER NEVER EVER!!!!  do business with Wells Fargo. They are the absolute worst

organization out there.......

i have since moved my business to Chase.

Wachovia Was Great, Wells Fargo Is Robber Baron Trash
- FellsWargoSux - Wednesday, November 28, 2012 - 7:44 AM

I will spare you the details. Suffice it to say that when I moved from CA to NC I was thrilled to close my WF account and bank with Wachovia.They were so much better in every respect. Then WF bought Wachovia with bailout dollars and ruined the company. They finally went too far. I am closing my account and they will never make another dime off me. Sooner or later they will go belly up and I will laugh my arse off when it happens.

Broken Online Transfer System Causes Overdraft Fees, No Refunds.
- rotinegg - Tuesday, November 27, 2012 - 12:29 AM

 

I wanted to transfer money from my Wells Fargo (WF) account to my PNC bank account, so I set up online transfers on October 13th, 2012. They told me that they would make small deposits to my PNC account, and I would have to verify the amounts before being able to make a transfer. When I did, the WF website showed me an error message, saying my account had been locked, and I would need to call customer service to have the issue resolved. Weird, but whatever. Then, during the span of about a month, I called five times to get the issue resolved, but each time I was put on hold for excessive amounts of time, told a representative would call me back, which never happened, or simply got an answer that it was not possible to fix the issue at the time. Because WF and PNC are my only two bank accounts, and WF is the one where my paychecks are deposited directly, I had no way to deposit money into my PNC account to cover the charges. There is a PNC branch in San Francisco, which is the nearest one to my house, but I wasn't willing to make a 2-hour round trip just to deposit some money. I incurred overdraft charges on my PNC account when the bills were charged. That, although slightly annoying, was okay. Then, on November 7th, WF was finally able to fix my issue (after being put on hold for close to an hour) and said they wiped my PNC account from my WF account, I will be able to newly set up a PNC account to transfer money to. Problem is, when I went to set up my PNC account again, WF once again made trial deposits to my PNC account, and withdrew the deposits, which incurred another overdraft fee on my account. I was extremely displeased with the whole process, and the extra overdraft charge was just rubbing salt in the wound. I called to have the fee refunded, to which I received a 'no,' then went to a local WF branch to have a representative there call WF headquarters for me, and help me file a complaint. Once the complaint was filed, They responded with a 'no.' Although I'm normally a pretty easy-going guy, and this started because of a small twenty-five dollar charge, their lack of accountability throughout this process has really ****ed me off. This is really unacceptable, and I will be canceling my account and taking my funds to Bank of America.[/H2]  

4

Long Time Customer Seriously Fed Up!!!
- tesferd - Sunday, October 14, 2012 - 8:20 PM

My husband has been a customer of Wells Fargo for 25+ years.  When we got married I decided to become a  joint holder on his accounts.  I truly regret that decision now.  Over the last few years they have been pushing us to keep upgrading our accounts and to sell us new ones.  When we finally agreed to an upgrade I found out that we had been paying a monthly service fee for 3 years that we should have been waived because we met the requirements for waiving.  When I asked if all that money would be reimbursed, I would swear I could hear crickets chirping.  I gave them another chance to prove themselves.  Until recently we had an issue of having our credit card number stolen and used.  I promptly reported the issue, spent numerous days talking to 5 different people (getting different results from each one, might I add) only to be told that after their investigation they have decided not to honor our request and we are responsible for paying all of the fraudulent charges.   What I found ironic on the whole situation was that when we received new replacement credit card numbers/cards, it states right on the form "you will not be liable for fraudulent acitivity, if promptly reported".  They don't mean that in the least.  Some how do you do for loyal, long term customers.  Don't waste your time with this institution...unless you want to get ripped off over the years. 

Worst Bank I Have Ever Been With.
- tallkeithatl - Thursday, October 4, 2012 - 5:50 PM

I was with Wachovia for years, as soon as Wells Fargo took over, everything went downhill.  They started charging for everything they legally could.  Wachovia had a great overdraft protection account called Way-To_save where everytime you used your debit card, they deposit $1 into a saving overdraft account.  As soon as Wells Fargo, they started charging $12.50 for transfers between this account and a checking account.  They DO NOT care about average checking account customers.  PASS THIS BANK BY OR CLOSE YOUR ACOOUNT ASAP.

Carry A Average Balance Of 17,000 And Still Need To Charge Me $30 Service Fee For Having An Account?!
- lanced - Thursday, September 13, 2012 - 7:07 PM

crazy....going to switch to a different bank....never got fees before, but they had personell change at bank....they will loose my business.   my great aunt had a lot more $, like 800,000+ in their bank, and when we she passed away, the crap they were getting her for was stupid.  shame on them.

Less Than One Star Rating HORRIBLE Customer Service
- drz - Monday, August 6, 2012 - 9:22 PM

Never, in all of my years, have I had such a horrible experience with a bank/credit card. Wanting others to be aware of this atrocity, I came to this site. It didn't come as too much of a surprise to see that the ratings lack 1 star. I have impeccable credit, and have worked very hard to achieve such. In paying off my bill, I often made more than one payment a month. Once this led to a misunderstanding, in that in one instance I had figured that the month was paid, but the amount was applied to the previous month leading to a $35 fee. It took a lot of finagling, but finally got them to refund the fee that should never have been applied in the first place. During that conversation, I clarified that to avoid such instances in the future, if a second "amount" was paid after the due date, I would be all set for the next month. Fast forward two months. Again, paid twice in one month, then paid the entire balance off. Imagine my surprise to find a $35 fee for paying one day late for the month of July. Theoretically the second payment in June should have been applied to July, given my previous conversation. So, when trying to rectify this matter, I was told that I had 'used up' my courtesy refund. Heinous behaviour, really. To treat good clients with such disrespect. Never again will I take my business here.

Wells Fargo Bank Has Almost Given Me A Stroke!
- gayle - Saturday, August 4, 2012 - 8:38 PM

I had banked with Wachovia bank, like my parents had, when they sold out to Wells Fargo.  The second time I deposited a General Electric dividend check, unbeknown to me, they held it for 10 days.  I had checks bouncing all over.  Wells Fargo kept charging me 35.00 for each bad check and most of the people charged me at least that much if not double the check.  I have put more money into this bank and I CANNOT get ahead of them.  You should see the stack of 35.00 charges I have!!!!  They are honestly driving me crazy.  I have direct deposit with my pensions and haven't wanted to try to change that but after the treatment I got today, I can't wait to get out of that bank.  I was never so insulted as I was today.  They told me that because my checking credit was bad, DUH, I should go cash dividend checks elsewhere because they wouldn't.  I could go on and on, but it is making me ill just talking about them.  For heaven's sake, stay away from this bank.  I know tellers who have quit since the take over and have talked to many others who feel like I do.

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.

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.........

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 !

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.

Wells Fargo Sucks The BIG ONE.
- rnj1014 - Thursday, January 3, 2013 - 1:19 PM

Should not even be a one star bank.

they are sneaky crooks

be careful they will they sneak in their overdraft fees. 

my checking account had a balance of -$5.82 on the Dec 31st.

i deposited $10.00 bill on Dec31st to clear negative balance

the available balance was $4.18...on Dec31 ...Have the receipt to show available balance...

on Jan 3rd I was gong to deposit a check for $15,000

to find that the $35.00 fee found its way in my account. 

account negative -$30.82 on Jan 3rd. What sneaky F#%&S.. THIS sneaky **** should be illegal..

They will try to confuse you when you try to dispute the BS FEE so be careful. 

quick note:  always print your availabe balance when you clear a negative account. If they sneek in the BS fee you'll see what these sneaky crooks do..

The WORST Banking Experience
- mm - Thursday, January 3, 2013 - 11:25 AM

Wells Fargo - where to begin? They changed, without my permission, one kind of checking I'd had for years that only required a minimum of $1000 balance, to another kind when I opened a 30K money market, and they linked my checking to my 30k money market. When I found out about this, I asked them why? They sis sit was so that my checking could be free. I alraedy had free checking, because I always had more than the required minimum, so that made NO sense. I talked to the bank manager, and after much hassle,I was able to get my checking back to the original that only required $1000 minimum, but when I asked for my checking to be unlinked from my money market, I was asked, "Why would you want to do that?" I replied, " why wouldn't I?" The answer - get ready:"to avoid banking charges!". Wait, if I keeps minimum in my checking, doesn't that take care of no banking charges? What kind of double talk was that? Then the rep. said something about " pricing structures" that was gobbledygook. I will be withdrawing all my money from Wells Fargo today. I need an honest bank that looks after my interests better. I gave one star because that's the minimum to write a review. I would not have given any stars if that we're possible.

Tired Of Big Bank Games
- DrB - Sunday, December 30, 2012 - 8:09 PM

Wells Fargo's online bill pay stinks.  I've found, that despite what they say on the bankers' end, you have to delete a payee in order to change from a manual pay to automatic pay.  Then, to make matters worse, when you create that payee as new again, it doesn't give you the option of setting everything up going forward AND making a current payment so you have to do it in two steps.  I just did this in this order: delete payee, create same payee as new with a automatic payment, make current payment, go in and edit for begin auto payment for next month (to avoid paying current month twice).  I got a reference number for the current payment then discovered AFTER the bill didn't get paid and I got charged, that the bank in it's infinite wisdom is going by the computer's time table (vs. what I said happened and what would also make common sense) claiming that I deleted the payee AFTER I scheduled the current payment so the payment was deleted with the payee.  Nope, they wouldn't pay the late charge for the bill I thought was paid but wasn't because of their mix ups.  Anyone have a GOOD bank that's easy to use in the Twin Cities?

Wells Fargo Does Not Read Letters; They Read $$$ Only
- Julius - Monday, November 12, 2012 - 8:49 PM

I did not want to give Wells Fargo any star, but it does not have this option.

Employees at Wells Fargo make mistakes on custumers's mortgage account and do not know how to fix it. They answer your phone nicely, but too bad that just do not know how to do things correctly. When they say "please wait for 24 hours" that means "please wait 20 forever...".

Unhappy Customer
- lupitaNavarrete - Thursday, November 8, 2012 - 8:24 PM

I don't recommend this bank.  I'm verey unhappy because when I opened my Checking account it was "free" as long as I had $25 coming from Checking to Savings.  They changed their conditions and communicated in a monthly statment, (that is what the manager said) but they didn't have a way to prove it to me.  They started charging me a monthly fee. They change conditions at their convenience, they dont do much to help you.  Manager was rude. They have their tellers well trained to be friendly but obviously they don't take the lesson and apply it to themselves. I'm very UNHAPPY with Wells Fargo, the one I went to was in Murrieta, Madison street.  Find other bank if you want honesty. I asked to show me proof of the "letter" they had sent to me and they said they don't have copies??? really??? how can you not have proof that you communicated to the customer a new policy???? I won't go back to this bank ever! The manager was not helpful at all, she was very rude.

The Worst Bank In The World--Zero Star
- ssmm80 - Wednesday, November 7, 2012 - 1:55 PM

i am pulling out this worst bank in the world, after being a faithful customer for 8 years!  i stayed with it over these years because it is time-consuming to switch to another bank, in spite of very unpleasant experience with a big and inefficient bank. after talking to a high-level manager to try to solve one issue--and on the phone for 2 hours after having received wrong information from three people before i talked to this one--i am so sick of the bank's indifferences to its customers and i am finally pulling out my money and decide to support a smaller and more friendly bank.

when you deal with a big bank like this, be prepared that you will be treated poorly. the only thing that matters for it is money, money, and money. it does not care about people.

 

 

Not Happy.
- Attentions - Wednesday, November 7, 2012 - 12:19 PM

When a deposit hits my bank before a charge i do not expect to get an overdraft fee. Yet today i recieved two... I called and talked to a very nice woman who politely informed me that they could not refund this fee, that it was not a bank error.


I disagree with it not being a bank error, however that aside... What happened to customer service? What happend to helping people out so that they remain your customers?

We will be looking for a new bank. Apparently wells fargo doesn't care if we're members or not.

Really Bad For Business Banking
- DeepThought_42 - Wednesday, October 31, 2012 - 12:26 AM

My business has carried our main banking account with Wells Fargo for over ten years. Today as I attempted to deposit a $68,000 check into my account the manager at Wells Fargo Bank, 3010 Williams Boulevard Southwest, Cedar Rapids, IA (319) 398-4760 insisted that he had to put a hold on the deposited funds since the check wasn't drawn on another Wells Fargo account. It was a check from a public school district so the deposit is good as gold. I've deposited over $300,000 checks before with no problems at all. Now, I have checks written to my suppliers that may have a problem clearing since they won't acknowledge that the funds are deposited. Wells Fargo is really starting to suck!

Undertrained 'Bankers'
- pacjennifer - Saturday, October 27, 2012 - 11:37 AM

I've been using Wells Fargo for years with problems I've overlooked, eg: they didn't know how to wire money to Europe. The daunting task of changing banks has kept me with them. All those auto debits for bill paying! But, now, I'm done. Their computers are 'touchy' a three year veteran banker tells me. The phones are 'jacked up' a three month banker apologizes. Finding statement information is possible, sort of, IF you know how to type in the right word. Like put it in twice. You, know, "Water bill, Water bill." So sorry!  Incorrect information from the young bankers on a stop payment, fees that are sneaky. "Someone should have told you, so sorry!" If you use WF, check everything twice or thrice and ask "Is there anything else I should know?" They have bank buildings on every corner, but their employees are so inexperienced they give incorrect information. And you'll pay for it.

Just Nickel And Diming You. Don't Borrow From Wells Fargo
- goldie - Friday, October 26, 2012 - 11:58 AM

I am a medical professional and did financing for some renovations in my office through another bank. Unfortunately my account was sold to Wells Fargo. First off, they don't accept credit cards for payment. Every month I would send in a check and although I admit I was late a couple of times, the rest of the time it was sent out on time. Every time I would get charged a hefty late fee. I called a few times and they admitted it takes them a while before their system posts the payment. They gave me credit a couple of times. Needless to say this happened almost every time and I got sick of it. I have finished paying my debt except the late fees and now they want to send me to collections. Isn't that shortsighted to send a customer who has spent hundreds of thousands of dollars to collection for $600 and then to get a review like this. All because they don't have the right systems in place to process payments in a timely fashion. Also why not accept credit cards to make it convenient for the customer? To save another couple of dollars for the company?

Stiealing Money Like Crazy
- Angelicacolon - Tuesday, October 16, 2012 - 10:42 AM

Charged my husband 8 fees of 35 dollars in one or two weeks..overdraft service that we didn't required. A total of 280 dollars lost. Plus other fees before he decided to close the account. I stayed with them but now they charged me 4 fees of $35 for overdraft I am not sure where it came from. Im definitely leaving them.

Fees, Fees, Fees........
- Hosey59 - Thursday, September 27, 2012 - 12:23 AM

Last year, I opened an checking account with debit card for my minor daughter, so that she could have some autonomy with finances.  We started out with $110.00.  This money has not been touched and although monthly statements came to the house, they weren't even opened, just shredded since I knew what the balance was.  By the grace of God, I opened the most recent statement and the balance was $82.00!!!!!  It appears that although I was told this was a no-fee, no minimum balance checking account, after a year you start accruing a service charge ~ not sure if for inactivity or min balance issue.  When the manager on duty walked over for damage control, the teller gave her the name of the account and supposedly that would have not been the ideal account for a low-budget child account ~ really?!?!?!?  And that's my fault?!?!?!?  So I closed the account and now have to explain to my child how banking works and why she is $28.00 poorer.  That's a hefty charge per month!!  Unfortunately I also have a business account there (which was opened by someone else and I inherited) which I would close if I didn't just order new checks which will last several years.  So I made a five-figure deposit into that account but no one cared to make good on the child's account so we are finished!!  Went to Citizen's and opened a no-fee, $100.00 min balance checking account without an issue.  Perhaps it's better to put your money in a pillow case!!!   

Terrible Bank Look For Another
- rs - Monday, September 24, 2012 - 11:11 AM

I switched to this bank because of a geographical move.  It seems to me to be punitive institution. The "cushion credit" service is complicated. Rather than having a loan backup account, simple and clear, it has convoluted possibilities, ranging from taking money from savings to credit card--all with flat charges rather than interest.  WF constantly makes changes that you are required to attend to. These changes bring new charges. Sure, they can be refunded, but who wants to spend the time dealing with WF. The website is tricky.  Where one once could look up reward points immediately, one now has to type in the terms in a search.  I'm looking for a new bank and have moved money into a credit union but want both.

Wells Fargo LIES!
- MamaBentley - Wednesday, August 29, 2012 - 9:43 AM

So in my younger years I did not have an account because I had a problem with overdrafting until 1 day I walked into a Wells Fargo and some teller swore up and down I would never see an overdraft charge. Sounds pretty sweet huh? It was! For 2 years even if I did overdraft which actually wasn't very often since by this time I had better learned how to manage my money, but I never saw a fee and then all of a sudden a month ago I was slapped with 3 charges because we were going through a hard time. I went into the branch and talked to the manager who credited 1 of the charges but claimed there was nothing she could do about the other ones. THEN this week I check online and my account was overdrawn by .50... that's right guys 50 measly cents. So I run down to the bank and put money in my account but when wells fargo went to post my transactions they listed the charge for the day before even though it wasn't there the day before.. So now I owe them an extra $35. I will be taking my money elsewhere. I am so sick of corporate bullies stepping on the little people. I will now be telling calling all the people that I convinced to go back to wells fargo to tell them why they should cancel their account.

Piece Of Sheet Bank
- an0nuser - Thursday, August 9, 2012 - 8:40 AM

This bank is one of the worst...

 

Deposit your paycheck and you get only $100 at the ATM, and sometimes you have to wait 48 hrs for the funds to be available.

This doesn't happen with my other bank that I prefer not to mention.

The only reason why I have wells fargo is because I make money with their statements, hahahaha....

But if you have to open an account try something else like Chase, at least they are more friendly and give you less bull****.

I Hate Wells Fargo
- Nabil - Wednesday, August 1, 2012 - 4:57 PM

I hate Wells Fargo Bank, it is the most bad bank I have seen, I went to get cash from my account. The bank teller gave me fake money.
When I complained they told me in rude way you went outside the door, so this is not our responsibility.
Most of the staff there are bad.
Please be careful when you deal with this bank.

Wells Fargo Not Consumer Friendly
- newbank - Wednesday, July 25, 2012 - 2:09 PM

One star since I could not give "0".  I have had my business and personal accounts at Wachovia for years and service was great.  Once Wells Fargo took over it was all down hill.  They combine personal and business account information on the online banking when the business has it's own TIN and should be considered it's own entity.  When requesting they seperate the two accounts for online banking they talk to you like your nuts for wanting them seperate.

Mortage is also through Wells Fargo, who contacted me about a refinance.  They suggested a "streamline refinance" with no fees.  Documents arrived with errors, called loan officer to update and she stated it didn't matter I needed to sign and return to lock in the rate.  The errors however, gave wrong information regarding FHA status on other loans; had fees that were not to be inclued; mis-stated rental income and various personal information.

Agent was practically screaming at me to sign and basically called me a liar regarding the errors noted on the documents.  

Looking for a new bank, that's why I came to this site.

Lack Of Service
- gncrenshaw - Monday, July 23, 2012 - 10:06 PM

 

It's not what can we do for you it's how many fees and services can we see you...Coming from Wachovia they are impersonal, lacking a personal feel, I feel like I went from a small community bank who valued me as a client to the German SS. The first time I walked into the bank after the changeover it felt sterile and the same warm, kind tellers appeared to be robots with Attila the Hunnes daring them to smile. Looking very hard for a bank that appreciates my business and acts like they want me to be their client.

 

I Would Give Zero Stars If That Were An Option
- mj - Tuesday, July 3, 2012 - 1:40 PM

I had been using wachovia for 15 years and continued to use them when they were taken over by Wellsfargo.  Wellsfargo is now charging $7 a month if you do not hold a balance of $1500, which is just ridiculous.  I called and tried to get grandfathered into not paying the $7 a month since I had held a bank account with them for soooo long.  I was told by the customer service rep that they could not waive the fee.  So I cancelled my account and switched to TD banks convience checking and I could not be happier.  

Wells Fargo Needs To Change
- SJB - Friday, June 29, 2012 - 2:31 PM

I have had an account with this bank for about 11 years - that is, with Wachovia before the takeover.  Wachovia wasnt great but at least I could find people to ask and straighten out silly mistakes they made.  Then, upon takeover, all of a sudden the few competent people were fired (in our local branch) and were replaced by uneducated workers who had extremely limited English.  It was absurd.  

We have had both our business and personal checking accounts - and have about 7 accounts with this bank.  The only reason I have not switched is that I believe that the banking industry in general is set up to make as much money as possible for the highest ranking exec's and that this is the whole point of the existence of the banks - so we are all just completely stuck.  So much for customer service; frankly, it is simply unavailable.

Here is an example of a recent occurence:

I tried to make a deposit at an ATM at one of the 4 branches I frequent (ATM machines- convenient to my errands).  The checks would not process so I went into the bank.  After about 15 minutes the very simple issue was resolved, by a nice young lady.  However, she decided to update my ATM card.  So within the next week I received 3 different versions of ATM cards, all with serious mispellings of my name, and one of them was a VISA card, which I had specifically requested not to have.  I had to trash them all.  Then, not long afterwards, I got another one in the mail, which was a standard update, with correct spelling.  It was the oddest thing, honestly.

Here is another one:  Last time I ordered new checks, they got the name completely wrong so of course I had to reorder.  And whenever I have a question, I ask someone in the branch.  I am then told I must talk to a business rep. since we also have business accounts.  I then work hard to contact this person, by phone and email, and am always promised that she will get back to me.  So far she has never ever done so, by phone or email.  This has been going on at least a year and a half.  I give up!  

Here is another problem - prior to Oct 2011 for some reason they issued several partial month statements.  And even though for 11 years I have been asking for monthly statements (1st through last day of the month), and promised this many times, it has never happened.  Sometimes the statements are 29 days long.  Go figure?  All this costs me a significant amount of money in extra bookeeping and CPA time.  

Here's another problem:  Now they have converted their system and I can no longer get images of my canceled checks without manually going through each statement and making a copy of each check.  Thanks a lot - that alone will add another 90 minutes to my 2 hours a month of needless bank trouble shooting time.  

You should see the ignorance of the pathetic people who work in the bank.  They have no clue.  They are raw, untrained people who maybe could think if they were only taught how.  They are trained to be friendly, but there are so few things they know how to address I wonder why they are there at all.  I feel really sorry for them, but not as much as for me, a consumer.  

Banks make tons of money and pay out tons of large bonuses.  That is where they put the money.  We are suckers and have no recourse.

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.

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.

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.

 

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.

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... 

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!

Started A Studend Account For My Granddaughter
- makwatkins - Thursday, January 24, 2013 - 2:28 PM

Started a studend account for my granddaughter in Oct 2012 - completed all the paperwork.  The service fee was 3.00 - on my statement, it showed they were charging me 7.00.  I went into the bank and spoke to teller.  They said they needed her student ID, we gave it to them and they reversed the charges.  I'm still being charged the 7.00 fee because their policy changed in Nov 2012.  Do you think the teller knew this?????  I called and was told - to bad, to sad.  I'm closing all my accounts.  This is not the type of bank I want to bank with.  Reminds me of that commercial about banks

Crooks And Liers!
- firdet - Tuesday, January 8, 2013 - 11:06 AM

Worst Bank Ever! Stay away from them! Always charge some hidden fees and claim that its a part of the contract.

Horrible customer service! They just don't care about customers and will rip you off at any moment they want to !

Beaware!

Satisfied Customer
- JohnSimpson - Monday, July 16, 2012 - 9:16 PM

A few years ago I switched to WF from Bank of America because of concerns about B of A's stability and because B of A treated me like a statistic after I had been a regular customer for 50 years. 

The staff at my two local WF branches have been unfailingly helpful, as have the telephone personnel.  People have gone out of their way to help me.  I was impressed with the credit card fraud department's thoroughness also.  Twice when they thought they detected unusual activity, I got a call from a courteous rep to determine that I had made the charges.  This never happened with B of A.

I would caution you not to let any CD automatically renew, however, because you'll get rock-bottom interest.  But I assume this could happen with most banks.

I'm not an expert on website security, but WF's system doesn't seem to be as secure as B of A's.

Love Banking With Wells Fargo
- travissarah30 - Thursday, December 6, 2012 - 4:44 PM

I love banking with Wells Fargo! The customer service on the phone is so nice and aren't in some other country where I can barely understand them. They quickly and happily reimbursed me half of my overdraft fee (and have done multiple times before) for a overdraft I was unaware of for two days. Been with them for almost 10 years now and am not planning on leaving anytime soon!

Easy To Use Accounts
- l_gregs - Tuesday, November 13, 2012 - 5:02 PM

I have always loved my WF accounts.  They have streamlined the checking accounts, making some of the stipulations for keeping the accounts free easier to achieve.  What was previously a monthly transfer to keep accounts free, can now be done with using your checkcard a certain number of times a month.  When opening an additional account, I was afraid I wouldn't be able to meet requirements since I wouldn't have a direct deposit right away, but I have been able to keep my account "free".  The online banking is amazing!  I have had accounts at a state bank and local credit union and the technology of national banks far surpasses others.  It can be irritating at times when you go into the location or call the phone banks and are being sold to, but where aren't we sold to at the "check out" these days? These people are just doing there jobs, and unfortunatly that is a part of it.  

Unlike other reviews if you are able to keep a grasp on your funds and make sure you are using your accounts correctly you should have no problems with them.  I did my mortgage through wells as well.  I had no hiccups along the way, which was great, because I have had friends that haven't been so lucky.  Overall it is great!