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Tuesday, November 27, 2012 - 12:29 AM
(1 stars)
Broken Online Transfer System Causes Overdraft Fees, No Refunds.
Wells Fargo Bank
(1 stars)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]
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2. Sunday, March 3, 2013 - 10:56 PM
Sorry to hear that. An overdraft charge at a bank can set you back a ton, particularly for those who have multiple charges. Even if those charges are only a few cents, you will get charged enormous overdraft fees. The very best way to keep away from this is to get a payday loan. It is much cheaper than overdraft fees much of the time and will help you defend your credit. Learn more at: "Protection from overdraft fees"
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