Wells Fargo (Costa Mesa)

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Complaint regarding the attitude of your service manager; Patty Christian
Posted by Smiley on 06/19/2001
COSTA MESA, CALIFORNIA -- Your service manager, Patty Christian is rude, unhelpful and offensive. I was in your branch last week and was appalled by the way she spoke to other customers, including me. She gave us, the customers a poor attitude, unhelpful service and a terrible look that was not necessary. I find her disrespectful to the ones that pay her salary and I will no longer bank at your branch.

To help keep me as a potential future customer, I would like the following:

I hope your company will find the time to improve your customer service. You will lose many customers in the future, if you haven't already, due to this unappreciative employee. Please find people that enjoy their jobs and treat the customer well. After all, we are the ones that ultimately pay your bills.

At the very least I would like a response from your company regarding this incident.

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Posted by Anonymous on 2001-06-20:
It is a shame. Some people let there small amounts of power go to their heads.
Posted by Anonymous on 2001-09-04:
This Patty Christian manager should be fired for being so rude. Why would Wells Fargo hire such a person, especially as a "service" manager?
Posted by Anonymous on 2001-12-31:
Kinda one sided story here. I'd be curious as to the details.
Posted by Anonymous on 2002-02-07:
I had a similar encounter with a cust serv. supv. at Peoples Bank her name is Nicole Echevarria.Hopefully you will get some resolution from this matter.No one earns the right to treat others poorly no matter what their title or position Good Luck
Posted by Anonymous on 2002-02-09:
Wells Fargo at it again!
Posted by Anonymous on 2002-04-09:
Customer service is first. There's no excuse to treat a customer poorly, especially if they have done nothing wrong. Customer service, like this case is going down the tubes. I hope Wells Fargo finds a way to fix it, or many people will leave and go to a place that actually has free checking, like "Washington Mutual."
Posted by Anonymous on 2002-06-23:
Sounds like customer service is dead with this bank.
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Harassing phone calls when payments are not late
Posted by Ccsea on 08/26/2007
WASHINGTON -- We are on the last payment of a 5-year car loan with Wells Fargo, the eighth car we have purchased and paid off in our adulthood, and we will never do any kind of business with Wells Fargo again because of the way we have been treated. The payment terms state there is a grace period between the payment "due date" and the time it becomes "late." We have taken advantage of that grace period when needed because of our paycheck schedule. For at least the past year, starting on the very first day of the "grace period," our phone has rung multiple times with someone from Wells Fargo hounding us, from early morning until late night. Right now, when we are days away from paying our FINAL PAYMENT, ON TIME, the phone calls have begun again.

This is no way to treat a good customer, and as a result we have already made sure that we do no other business with Wells Fargo, and that everyone we know hears this reason to stay away.
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Posted by spiderman2 on 2007-08-26:
The grace period date isn't your alternative due date. I would think they are figureing you will mail your payment as close to the due date as possible (like 2-3 days max() to synch with your paycheck. There must be some reason they fear not being paid.
Posted by Anonymous on 2007-08-26:
You are late the day after your due date. The grace period only means that they may not charge you a late fee if you pay in that period, but nonetheless, you are late on your payment.
Posted by Timboss on 2007-08-27:
Agree with spider... and Ken...

You've been late in your payments.
Posted by Anonymous on 2007-08-30:
If you want to complain about Wells Fargo Bank, send a written letter via certified return receipt to: Office of the Comptroller of the Currency, Consumer Affairs Department, 1301 McKinney Street, Suite 3450, Houston, Texas, 77010-9050, Tel: 800-613-6743. Also, send a written complaint to your State Attorney Generals Office, Attn: Consumer Affairs.
Posted by Acurachick01 on 2007-10-10:
The same has happened to me. My payment on a vehicle was due on the 4th and by the 6th, they were calling me nightly AFTER 8 pm at my house. Even after calling them back during normal working hours and them promising not to call since we had taken care of it, they still called. I will NEVER use Wells Fargo for anything else and will make sure Everyone I know knows how they treat their customers.
Posted by Pinecone on 2008-09-28:
If Wells Fargo wasted less money on the harassing phone calls they would not have to steal so much money from their customers checking accounts.
Posted by lbguy on 2010-02-12:
Spider and Ken may enjoy feeling superior by paying their bills by the "due date," but if you don't use as much of the grace period as possible you're only hurting yourself. For 25 years, I've paid bills -- mortgages, phone bills, and others -- as close as possible to the end of the grace period. This maximizes my use of the money. I've had no problems whatsoever with this practice.
Posted by curtis on 2013-05-07:
I have been receiving call from Wells Fargo Collection Dept for the last few days when I was not at home. Finally, I did pick up the phone. To summarize the conversion, I was told that I was late with my mortgage payment, which I have never been and always paid during the grace period. According to them payment is late as of the first day of the grace period and they will call me every month to remind me. They said that if I don't want to receive phone calls from Wells Fargo, I need to sign a document which will prevent me from talking to the bank for any issue I may have and that they will not call me. In case I needed to talk to them, I will have to send a waiver for this document and subsequently I will again start to get monthly calls till I comply with them by sending payment before the start of grace period. I consider it BLACKMAIL. Also they were asking me about my cell phone number and office number etc which I refused to give.

MY SOLUTION: I have a regular cordless phone which has a call blocking feature. I added Wells Fargo numbers. Bingo no more harnessing phone calls. In case you need the telephone brand it is Panasonic.
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My attorney says "illegal foreclosure"
Posted by Wellsfargofraud on 01/21/2008
Desperately seeking class action law suit.

I was assisting my niece, who is recently divorced, going back to school to get a teaching degree and raising two children. She was 40-50 days late with her mortgage payment on a house that I co-owned with her. She spoke with someone there and immediately sent the requested amount to get the account up to date. Unbeknown to her, the check was in the process of being held by WF for 2 and a half weeks, mailed back with a postmark of December 24th (Merry Christmas Lady!!) telling her that because the funds were not certified the house was in foreclosure. She received the letter from them after I became involved when my banker contacted me about a credit rating drop. After being notified by the back (and still not knowing that they were in the process of returning the check as it had not arrived in the mail) I promptly called Wells Fargo and was told that she was a little late and that a check was sent and everything was now fine. I requested the ability to view the account on-line, promptly went to the computer and was unable to access the account. I called WF back within 12 hours or the "everything is fine" conversation only to be told the house was in foreclosure. Over the next few days my conversations with Wells Fargo were so bizarre that I felt the need to contact an attorney.

I became diligent over the next few days to make sure that everything was happening as it should and the house is not longer in foreclosure. I have retaliated against WF by paying off my personal mortgage after their possessing it for only 3 months and therefore depriving them of interest from me. I know that others are not in a position to do this.
My concerns are that:

WF appears to want to cause foreclosure,
WF appears to be deceptive: the check sent by my niece was never sent to her bank and I have verified that she had the funds in her account. Why would a company send back a perfectly good check, (and on Christmas Eve, thus further delay my niece finding out that the check was not accepted.)and simultaneously turn someone over. Former presidents of banks have told me this sounds like a set up.

Word of advice:

1) if a Wells Fargo Rep tells you "everything will be fine" BEWARE and double check by re-calling the 1-800 number to be sure that you are being given consistent information.
2) IF they tell you to send a check, ask them what kind. They do not volunteer that information and appear to use it against you.
3) try to check what they are telling you by phone on the account on the internet.
4) If you are in a co-owner situation and speak to a rep that trashes the other owner, the information that you are being given is not necessarily true. I was told my niece had ignored multiple attempts by them to contact her when obviously she had been speaking to someone and was taking steps to correct the problem.
5) Follow up, follow up, follow up. I strongly advise against being complacent after being told to "check back in a few weeks". You will be bit in the process.
Why would a company want to foreclose? Well in this case the house was practically paid for, and, what about those extra fees? One of the WF reps even said to her "the lawyers love these foreclosures because they make so much money".

I work in an office with only 13 employees and 4 of us have had our credit damaged because of WF tactics. The others have had no dealings with WF.
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Posted by Anonymous on 2008-01-21:
Was she told up front that WF would only accept a certified check to bring the mortgage current?
Posted by wellsfargofraud on 2008-01-22:
No, she was not. When I called to correct the situation, I was not either and found out by asking what kind of funds they wanted, as I was thinking of wiring it to them. In addition, when I called to get my pay off amount for my personal mortgage, the pay off amount expired as soon as they faxed it to me. Had I not become so cynical about this company and not been diligent enough to call back about the daily interest, that check would have floated around for a month and then been returned. I needed to pay extra to account for days spent going to my bank and getting a certified check, mailing the check and likely the 10 days they held that check before posting it on my account. I will be finding out soon. They are not supposed to charge me for days after the check was received but I would bet that they will.
My business partner had her own nightmare with this company. She had been paying with automatic payments for a few years. One month last fall WR claimed they did not recieve it even though her own bank showed that they did. They ruined her credit on this one single transaction and would not correct it. I need to get her to post her story here, too.
Posted by wellsfargofraud on 2008-01-28:
update: We just received IJanuary 26th, 2008) a notice dated December (not January) 18th, 2007 in an envelope postmarked January (not December) 21st, 2008 as the official notification that this loan was being referred for foreclosure. Wells Fargo's practice of holding important documents (including payments) for over a month continues. If there is a foreclosure crisis, why is Wells Fargo aiding foreclosures?
Posted by freedom1 on 2008-02-27:
My roommate is going through the same thing. WF operators don't have autority to do anything but repeat themselves. They are not trained properly. They did not give him all the details as to how and what to do.
By time they had a plan in action to stop foreclosure,(fees; attorney fees; etc.) My roommate was directed to send over $6000. certified. Regular mail was ok. He did this on Feb. 16th. On Feb. 22nd. he receives letter dated. Feb.21st., stateing he must sign agreement and send cert. check back and they must receive it by the 22nd. He is reading this after work at 7:00 PM. I won't even get into the stress of calling and unquailified people he has to deal with. At 7:43PM the girl he is trying make progress with hangs up on him. (he stays clam and profession during his calls) He calls
back to hear a machine state they close at 8:00PM. It is 7:43. This type of assistence is going on day after day. One person stating one thing, only to be called by another and told something different. Forget about speaking with a supervisor. Now, he is back in Foreclosure and accuring fees again. Did you find any help? Do you know where we can look for help with this? Do you have any advise. He just stopped see phychiatrist. His wife left him. This is why he is in the mess. I hate to see it happen again.
Posted by freedom1 on 2008-02-27:
These untrained operators are rude and most likely paid min. wage.
The worst part is the role they play in peoples lives. They are actually ruining peoples lives, causing high stress which leads to many other problems. I would advise roommate to join your class action. The CEO needs to contact the company on this level. If they changed how customers are handled, they would not have as many foreclosures. This is write offs for them.
Posted by elmmj on 2008-05-27:
I've had a home loan with Wells Fargo (WF) for 2.5 years now, but it is serviced by America's Servicing Company (ASC) and not WF. However the tactics and lousy customer service are the same. I get letters requesting information dated (and posted marked ) three weeks prior to time I receive get them. The due date of the request is usually past and I have no one to talk to about it. I have been in an Adjustable loan now since July '07 and have desperately been trying to talk with someone about it but all I get is the same letter with the screwed up dates. Finally, I've let the mortgage payments lapse for two months (putting the money right into a savings account) hoping that someone will finally talk to me. Just today a man in a car pulled up in front of my house and started taking pictures. He said that he was taking pictures for WF to confirm that someone was living in the house. WTH!!! I don't want to foreclose but the mortgage interest is becoming too much to handle. I want to work it out but there seems to be no one listening on the other end.
Posted by Lost on 2013-09-01:
I owed WF for 4 months of mortgage payments I called them on aug 1 spoke with rep told him I would be making a payment at the end of the month. He told me that would be fine because loan was not in foreclosure and my loan would not roll out if his que til next month because I would be 5 months behind. He assured me as long as I got my payment in this month I would be fine. I told him I planned to send in 2 payments also next month to start to catch up. I went to bank to pay my mortgage payment on aug 30 and called to WF to get my account number the rep told me my loan had been refered to their attorney for foreclosure on aug 14. She said to not make the payment because it would be returned and now there was nothing they could do although they have record of me speaking to one of their reps in aug 1 telling me I would be fine. I called the number they gave me for their attorney and was advised they will send me a reinstatement amount in 7-10 business days. I'm so pissed I actually moved bills around because I was assured I was fine to pay on aug 30 if I knew that was untrue I would of not payed something to get it in sooner now I'm going to have to pay full past due including late fees and attorney fees. It's only been 2 weeks. I haven't received any certified letters saying I was even in foreclosure I just got the letter in the mail saying it was refered to their attorney. The supervisor there was no help. Is there anything I can do to avoid the attorney fees and late fees. Is there anything I can do to make them honor the conversation with their rep on aug 1. I'm so lost and afraid I'm now going to have to come up with a outraged amount of attorney fees although they only had my case for 2 weeks... I'm in florida. Please help
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Harassing phone calls poor service
Posted by Gbs on 10/20/2007
I have financed several vehicles in last 25 years. Wells Fargo is the worst I have ever dealt with. My payment is due on the 13th. They call on the 14th 5 to 6 times a day. I contacted their collections. The rep told me that their computer calls the residence until the payment is in. Therefore, I get phone calls at 8 am until 9 pm ever day until then. I have even made arrangements and the calls continue. I have asked them not to call my house, but they ignored me and continue. I have seen that they are listed on the "Rip Off Report" 57 times this year for the same reason.

When will the Depts who overlook these practices step in and at least minimize the harassment?

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Posted by Anonymous on 2007-10-20:
Making your payment on time is important, but if I were you I'd be refinancing my loan through another institution. One day late doesn't warrant any calls, in my opinion. There's enough people out there that are weeks and months behind that they could be harassing. Most banks have a grace period too, and don't call or send notice until that time has passed, which is usually an additional ten days.
Posted by GWbiker on 2007-10-20:
Search for a decent Federal or state Credit Union which offers better interest rates and has a several day grace period for loans payments. I've done business with a CU for over 25 years.
Posted by steve101 on 2007-10-21:
A cheap way to end the harassment and aggravation that you are bent out of shape over is to get a cheap answering machine for 20 bucks. An even cheaper way to end it is to pay your bills on time.
Posted by Ponie on 2007-10-21:
You can see just about *anything* listed on ROR 57 times--all in the same vein. Here's an idea: Make your payments two or three days before the due date--that'll show 'em! Just who do they think they are?
Posted by Anonymous on 2007-10-21:
Pay your bills = no 'collection' calls !
This is rediculous.
Posted by Anonymous on 2007-10-21:
Imagine the nerve of Wells Fargo wanting to be paid on time like the contract the OP signed and agreed to do? The nerve of them!
Posted by Anonymous on 2007-10-21:
I used to get paid on the 15th and that was also when my car payment was due. I just couldn't make myself send my payment until I knew the money was in the bank so I called and changed the due date on my car note to about 5 days later. Not sure if Wells Fargo would do it for you but might be worth a try. Or would they autodeduct it from your account the day after your payroll?
Posted by Anonymous on 2007-10-21:
Who out there hasn't been one day late before on a loan payment/bill of any kind? If none of you have EVER been late by one day on anything, it is a miracle. I think the OP deserves a little grace here and I think everyone else needs to have a reality check, we've all done it and I'd bet that most of us have not been harassed from 8am-9pm about it. There is a big difference between being one day late and being delinquent.
Posted by Anonymous on 2007-10-21:
Justcuz, regardless Wells Fargo does have the right to call for their money. Just the way it works now with automated calling systems. No one likes it but people have to live with now or pay the bill one time.
Posted by *Brenda* on 2007-10-21:
I've never been one day late. I'm a miracle!!
Posted by Anonymous on 2007-10-22:
It's a miracle !
Posted by Suusan B. on 2007-10-22:
It really takes guts to write a letter like this. You are actually complaining about the fact you pay your car note late every month and Wells Fargo has the nerve to repeatedly call you until your payment is received.

If you think really, really hard about this you'll be able to come up with a solution that will make you and Wells Fargo happy.
Posted by gbs on 2007-10-26:
Apparently, you can't read. I stated that I was late one day and I received calls the very next day. I did not see that I wrote that I pay my bills late every month. In fact, this one time I was late was due to a death in the family and I had to help with their obligations. I put them before my payment. Of course, Wells does not care, they don't have to. But at the same time, if you are one day late, repeated calls by a computer is harassing. Especially, when you have sent your payment in and they state that the calls will continue until they have the payment. To all of you that state you have never been late, great! Keep up the good work!
Posted by Anonymous on 2007-10-26:
Try paying your bills on time.
Posted by Anonymous on 2007-10-27:
gbs, don't let the snide comments of others upset you. Some of us get your point, that being one day late does not constitute harassment. We've all been there before, however it's just a matter of whether or not everyone can be honest about it.
Posted by Rob8oD on 2008-03-10:
all you a-holes saying to pay your bill ontime don't get the point. there is a 12 day grace period to make your payment, but they start the harassing phone calls 1 day after your due date. I have my sh** set to autodraft the 3rd of the month every month but they still call me 6 to 8 times a day until the payment posts. they are jerks.
Posted by ejack053824 on 2008-03-10:
I financed my Shelby Mustang through the credit union and got 3.9% APR. Wells Fargo was one of the banks that wanted to finance me and I told the finance manager to take their offer and shytcan it right away!
Posted by DebtorBasher on 2008-03-10:
You're commenting on an old thread Rob...

Anyway, a DUE DATE is the date the payment is due in the office. The grace period is only a period that some companies will not charge a late fee unless the payment is received AFTER THE GRACE PERIOD. The grace period is in no way the same as the due date. Companies can and will start calling the day after the due date.

You said you have your payments drafted on the 3rd of each month...but what is your DUE DATE? If you want to avoid the phone calls, you should have it drafted about 3 days BEFORE the due date to assure it is on time. Some banks will take 24 hours or whatever for the transaction to actually go through and longer if if falls on a weekend.
Posted by Why call me call the right person? on 2008-04-16:
They called me , but here the kicker I never financed with them at all. Call the person you need and stop calling me.
Posted by rebellovebone on 2008-06-09:
hmmmm, why were due dates created? PAY YOUR BILLS! You expect sympathy from sites like this, not going to happen...Only valid complaints should be posted here not late payers...
Posted by sarahdarah on 2008-09-16:
I know exactly what you mean. I swear, I'll be like a little late, and they can't even give me a damn break. I'm so hurting right now, and they are ruthless. Everyone is going to hurt some time or later, or maybe not. But damn, as i speak....thier calling now....wow
Posted by sharonver on 2009-05-12:
I know this is an old thread, but just had to comment!! I have an account with Wells Fargo which has never been late ever, actually I am on an auto payment plan just to make sure, they call me weekly sometimes more than 8-9 times during the day & night and at least 7 times on Mothers Day!!! Last call at 9:00 pm My husband and I both told them not to call, but they still call, I think they want us to consolidate with them. We have tried yelling, threatening, they still call... So we just keep on hanging up or let it ring, what else can we do?!

Posted by Anonymous on 2009-05-12:
sharon - On the eighth day, God created 'Caller ID'. Since few people actually live in 'Anonymous' or 'Out of Area', you can safely reject all such calls. And, if WF is sending their caller data, buy a phone with number blocking ability. Yelling tells them you are emotionally relocating in response to their calls. This is what they want...so you'll make bad decisions. The average IQ of bill collectors is around 65. Take back control as above...they HATE it.
Posted by nokneed on 2010-02-13:
Will everyone offer advice!

I pay my mortgage on the 15th (its within the grace period, no late fees). They call me at the 8th-15th. I ask them, Am I late? They're like no. Im going to look up the FTC what the rules are, and if I can report them.
Posted by old fart on 2010-02-13:
My hospital bills me on the 15th. Last wednesday the 9th. they called asking me to pay my bill..
I had sent the payment in on the 8th.

Monday morning I am going to call them and read them the riot act because this is the second time they've done this.. I can hardly wait!
Posted by Anonymous on 2010-02-13:
Usually your mortage is due on the first. Technically you are late if you pay later than that but they do not impose the late fee until around the fifteenth. I could be wrong but I believe thats the way it works.

Also, if you have a question to ask you might want to start your own thread so it gets more traffic and more people will tell you what they know.
Posted by Abbie13 on 2010-02-13:
Pro you are correct my mortage is due on the first and no late fee is imposed until after the 16th
Posted by DebtorBasher on 2010-02-13:
Nokneed...I worked in collections for mortgages and as I stated above:

a DUE DATE is the date the payment is due in the office. The grace period is only a period that some companies will not charge a late fee unless the payment is received AFTER THE GRACE PERIOD. The grace period is in no way the same as the due date. Companies can and will start calling the day after the due date.
Posted by Anonymous on 2010-02-13:
In other words, you are due on the 1st, late on the 2nd and the calls will be starting.
Posted by DebtorBasher on 2010-02-13:
Also, if you are having a problem paying by the DUE date (not the grace period), you can always call and request your due date to be changed.
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terrible mortgage business
Posted by Mediterrenean on 12/02/2005
CHICAGO, ILLINOIS -- Here is a story about how badly Wells Fargo mortgage business sucks. I closed on my new home in 2005. I had told Wells Fargo that I would close on that day weeks ago and guess what? They called me only 36 hours before closing to bring me the good news. Although Wells Fargo customer service had told me it was a 100% financing option, I was asked to bring in 3% of my own funds to the closing which amounts close to $9K. I had e-mailed my loan manager Jonathan Drankwalter multiple times, left messages in his answering machine and he NEVER responded.
I complained about the misinformation and somehow Wells Fargo manager Matt O'Leary made some changes to the closing statement calculations 5 PM the daya before closing. (It is a very complicated formula by the way the way they calculate the exact amount you would need)
A day of scrambling to get the funds and here we are in the title company's office. I told the title company about the 3% thing and they were like 'Oh,we do not know nothing about that. This is what we have from Wells Fargo". Happily I sign the paperwork and then get a call from Title company. Wells Fargo has declined to fork over the money to the seller. Why? I have not met the 3% requirement. Remember that everything was based on their numbers. They deny their own calculations. The manager who handled the loan said it was just some clerical error. Oh, I forgot to say that I had to leave work and drive 90 minutes to a suburb of Chicago to resign the paperwork. After venting to the manager Matt, he reluctantly agrees to pay me $500 for my troubles. He promised to send the check within the next 6 weeks. I called Matt three more times after 6 weeks. His first excuse was "My supervisor changed. I had requested the check. I will look into it again and it should arrive shortly". 2 weeks passed. Still no check! I called him up on Nov 30, 2005. His second excuse on the phone is : " I do not know where it is" I insist that he trace it and call me back. During our conversation I expressed my frustration with him and he had the guts to tell me " I went above and beyond by agreeing to pay you $500". Now, that is suggesting I should just sit on my a@@ and stop complaining. He insists that it is coming in his terms 'SOON'. How soon? He does not know. Then I ask to speak to his manager and he refuses to connect me to her.
In his terms " The issue is not worth escalating at this point". Sure, he is afraid of his ass being on the line. My girlfriend later called Matt's manager Givonn and she promised to look out for my check. Later the same day Givonn rung me up and apologized. She also told me that a check had never been requested. Hmm, would that mean Matt sat on it and was lying to me?
I am still waiting with misty eyes the day I can touch that elusive peanut money for Wells Fargo.
My suggestion, do not ever do mortgage business with them until they clean their act
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Posted by spiderman2 on 2005-12-02:
I have a hard time believing that they agreed to compensation you $500. Also, you normally don't get to tell the bank when you are going to settle -- they tell you. The 100% financing and 3% down thins sounds fishy on their part, or is it you just didn't understand what points are and you agreed to pay them? The bank and the title company are not one and the same. Numbers change slightly at the last minute, that is how it works, there are things like taxes, sewer, refuse, etc. to take into consideration. There may have been mistakes on their part, but I don't think you had a grasp on this situation. Where were your real estate agent and attorney in all of this?
Posted by tander on 2005-12-02:
We have had Wells Fargo for a Home Mortgage, and was so glad to get away from them when we refinanced, here's a suggestion, keep all mortgage payment receipts, look closely at your statements every month because Wells Fargo is disorganized and doesn't keep accurate records.
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I Want My Money!!
Posted by Hobloy on 03/09/2006
ALBUQUERQUE, NEW MEXICO -- After losing my job in the summer of 2005 I really had no money and wasn't able to keep a substantial amount of money in my Bank of America checking account. After a few months of stress and literally eating whatever my friends and family could provide me, I found the job of my dreams and a new place to live. Just up the street from my new place is a Wells Fargo bank and with the little bit of money that I was able to get before my new job started I opened a new account. I was happy and things seemed to be okay.

In the next month or so my wallet was stolen and Wells Fargo was on the ball. If it weren't for them constantly calling my phone number I never would have known that my debit card was being used by some loser.

Things changed a few weeks later when I tried to use my card to order a pizza online but could not. I knew there was money in the account and I knew that my card was okay to use. But I didn't know that my account had been blocked because I owed money to Bank of America. Since I hadn't been using that account it seems fees were being added and I did not know that opening a new account at another bank would cause a later problem. My mistake.

In the meantime every dime I had made at work or any refunds from taxes were all being direct deposited into my new Wells Fargo account. So, to pay Bank of America I needed to get cash from the Wells Fargo account. But I couldn't. They blocked the account and for the past 3 weeks I haven't been able to pay Bank of America nor do I have any money for myself. My cell phone has been cut off, can't pay...My rent is late...can't pay...Had to borrow money to put gas in my car...can't use my debit card.

NO matter how many times I called, no matter how many times I'd talk to someone on the phone, I can't and still haven't been able to get any money. I've waited on hold for more than thirty minutes and I was even hung up on tonight after telling Wells Fargo that I would be calling the BBB and I wanted my money before another weekend went by. She called me "abusive" although I never raised my voice nor used profanity.

She told me my account would close on Friday although I was told that my account would close at the beginning of the week on Monday and that I'd get a check in the mail...no check in the mail this week and my account is still open with almost $800 just sitting there. Am I ever going to get my money? Am I ever going to get to pay Bank of America? What do I have to do to get my money?? I am at my wit's end. Why won't this bank give me my money???
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Posted by ejack053824 on 2006-03-10:
I agree with Jay. Get your ass over to the Well Fargo branch and end this matter! Stop screwing around and hoping that they send the "check in the mail" routine crap.
Posted by bill on 2006-03-10:
Why didn't you pay B of A. You had $800 to deposit in Wells Fargo. You are screaming you want your money but weren't very concerned about paying B of A there money.
Posted by ejack053824 on 2006-03-10:
Very good point indeed Bill! :)
Posted by DebtorBasher on 2006-03-11:
If you need the money that is being directly deposited into your WF account to pay BofA...why don't you stop the direct deposit? I usually only takes one pay period and it would have been done by now...OR if your family knows your good for the money and you have this dream job, why can't they lend you the money to pay BofA...if they see the problem you're having, why can't they help? You don't need to borrow the whole amount from one person, you can borrow from two or three people and pay them back when you get your accounts straighted out.
Posted by gr8stems on 2006-07-24:
OMG!!! The EXACT same thing happened to us with the SAME banks! We closed our B of A account back in frb. and in july something tried to clear and the account was reopened, dont know how they did that but none the less we were charged 300.00 in NSF fees and WAS not notified of any of this. We found out just last week that Wells Fargo froze our accounts because B of A sent it to check systems. We ended up biting the bullet and paying their BS fees, oh by the way from money WE HAD to borrow.... Wells Fargo said they needed a letter saying it was paid, the receipts werent good enough, they wanted a letter WELL..... B od A dont do letters like that its against their policy!! So here we, are gonna have to set for 2 to 3 weeks with a frozen checking account, savings account, and our home mortgage account which is thru them (Wells Fargo)So those of you that think you know it all by saying "Why didn't you pay B of A. You had $800 to deposit in Wells Fargo. You are screaming you want your money but weren't very concerned about paying B of A there money" or
" Why don't you go to the branch and resolve this problem? Why didn't you close the B of A account?" Dont have a clue! You are offering worthless advise on something you havent a clue about or experienced. If it were that damn easy i would be setting here trying to find a way to UNFREEZE our accounts. Its all in time they say, Well thats something i dont have right now. Anyways, i was advised to file a complaint with the FDIC and the OCC. I am even gonna contact the local news. Good luck on getting your 800.00 out and as for you others if you dont know what you are replying to or havent experienced it, dont bother, your making a fool out of yourself!
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Electronic/POS Debit Processing
Posted by Canuck33 on 04/15/2002

Debbie Hein
Operations Manager II
Customer Correspondence
Wells Fargo Bank
MAC P6103-050
P.O.Box 6995
Portland, OR 97228-6995

Dear Ms. Debbie Hein:

I wrote to Wells Fargo in early March complaining about the processing order of check and electronic items with your bank. Further, I complained about the way ALL electronic POS transactions are debited, credited and then debited from the accounts.

Your letter April 2, 2002 did not address any of these issues my previous letter raised. This has been a recurring problem in dealing with your bank. Nobody has understood the basis of my complaint from the first attempt.

Evidently nobody over there has a grasp on the banking business, or perhaps I explained them poorly, let me try to explain this for you again.

For example, let’s say on January 3st at 8am my account balance was $100.00 and I had no outstanding checks or other debits waiting processing. Then, I used my card at Exxon for $10.00. If I went home and checked my account balance with online banking, I would notice a ‘pending item’ for $10 and my new available balance would be $90.00.

The next day, on January 4th, when I checked my balance online again, it would be $100.00. The ‘pending item’ disappears. Then, on January 5th or 6th, the debit of $10.00 would be processed as received from the merchant against my account and the balance would revert back to $90.00. This yo-yo account balance game must trap many consumers in overdraft situations; particularly those in low and fixed income situations who can ill afford your exorbitant fees and accounting games.

I took a moment to read your Consumer Account Agreement that you graciously sent me with your previous letter. I would like to draw your attention to page 40, specifically addressing POS transactions. There it points out that Wells Fargo will place a hold on funds equivalent to the anticipated and approved amount of the purchase at the time the card is authorized. Your terms further disclose that hold will stay in place until such time as the final amount is processed from the merchant.

Wells Fargo is not doing that. You are blatantly ignoring your own Consumer Account Agreement Terms. This is the substance of my complaint. As I stated in my previous letter, I believe Wells Fargo is doing this to catch consumers unaware in overdraft situations and then collect outrageous fees and overdraft charges as a result.

Further, I noticed on my final account statement which came approximately five weeks after I sent my letter of complaint, Wells Fargo felt it necessary to include a disclaimer at the top of statements for ALL account holders explaining some ‘change’ in the way you handle electronic and POS transactions. Certainly that seems extremely suspicious to me.

I am now demanding Wells Fargo to reverse all bank charges accrued on my account as a result of these fraudulent tactics on your part. That would negate the balance of $286.50 you claim I owe you and leave my account with a credit balance of approximate the same, $285. You may mail the check to the address below.

Wells Fargo is participating in fraudulent corporate activity and your refusal to refund my money and delete these specious bank charges is utterly inexcusable. I am shocked and appalled at the corporate gall Wells Fargo continues to display in the face of ignoring banking policies spelled out in an official Wells Fargo account terms disclosure.

I would love to discuss this with your directly, but neither of the phone numbers you included in your letter were able to put me through to your office

If you have even a shred of decency or respect for your customers upon whose money your salary is made, I suggest you call me personally to explain how I am misunderstanding your corporate greed.

Yours in complete and utter disgust,

John Knox
26 Arthur Street
Moncton, NB CANADA
E1C 9Y1

(506) 863-6247

At the very least I would like a response from your company regarding this incident. Thank you for your time.
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Posted by Anonymous on 2002-04-17:
If you would write down your POS transactions and deduct them from your balance promptly, you wouldn't be having this problem...
Posted by Anonymous on 2002-04-18:
This is a common and logical practice of providing temporary authorization of funds. *ALL* credit card companies do this. Debit cards are essentially the same in the situation, especially since most carry visa and mastercard logos. With credit you are buying on time, but with debit, things are really not. Only spend what you have available in your account. You are playing games with yourself. Keep more money in your checking account, or pay cash.
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Wells Fargo Bank: Fraud and Scams -- They Won't Help Protect My Account
Posted by Jefftracker on 01/17/2009
ST. PAUL, MINNESOTA -- This is a post about Wells Fargo Bank... and my experience and opinions about how they are NOT helping me prevent fraud on my account. I have to admit that I am just amazed that I can NOT get better customer service from Wells Fargo.

Here's is my story. I live in the Midwest for a while. I chose Wells Fargo as my bank. But, I moved to the East Coast in December, where there are no Wells Fargo Banks. I went into my local Wells Fargo Bank in St. Paul, Minnesota (at the corner of Grand and Fairview avenues) to close ALL ACCOUNTS. I met with a personal banker who explained to me my options for taking my money. I chose to transfer money to another banks account. He quickly worked at the computer to handle my accounts. He assured me everything was taken care of.

Well.... here's the real fraud/scam. One month and 3 days later, I received an email from Wells Fargo telling my my accounts have an overdraft. LOL I really thought the email was a fraud. After checking more, it was not. Wells Fargo DID NOT CLOSE MY ACCOUNTS AS I HAD REQUESTED. They did transfer my money... so they know I was in the bank that day. The ALSO ALLOWED this charge on an account that was at a zero balance and supposed to be closed.

I called customer service. THAT WAS A DISASTER. The first representative said she couldn't help me because I didn't have my account or check card number (well my check card was supposed to have been destroyed by the banker in St. Paul... that same card that was apparently used for the charge in January). I explained to her that I had no card... and I started digging through personal files for an account number for an account I closed on Dec 12. After explaining my situation, I was met with no real help. I was told I could dispute the charges. Fine. It was as if they representative thought I was telling a lie about closing the account. By the way... who zeros both checking and savings in one bank visit but keeps the accounts open? It's not logical. She was firm... there was nothing she could do. I asked for her supervisor who got on phone with the pre-determined attitude that I was wrong. I explained my situation. He was dismissive. I grew frustrated as a consumer who feels Wells Fargo would do nothing to freeze this account so as ti stop any other fraudulent charges. There was nothing he could do. It was as if he were reading a script only (I know that's what they do). But... c'mon. Think. Listen to the consumer. As a customer who left Wells Fargo, they should WANT ME BACK instead of treating my like I was a liar when calling to report fraud. THIS EXPERIENCE WITH WELLS FARGO IS THE SINGLE WORST BANKING EXPERIENCE I HAVE EVER HAD. I asked him for his supervisors name/number as well as the manager's name/number for the bank on Grand & Fairview avenues in St. Paul, MN. He was clearly dismissive and angry.... that he was having to deal with a frustrated consumer worried about fraud on his account.

I have called every number I can find. I have emailed Wells Fargo. I have no answers. I have no support from Wells Fargo to stop this fraudulent activity. As a consumer, I feel like Wells Fargo is allowing fraud on my account by not freezing it.... and treating me as if I am the bad guy. I WAS THE ONE WHO CLOSED MY ACCOUNTS (or was told by a personal banker it was) IN ST. PAUL. I asked the supervisor for email and phone number of where I could file a complaint with Wells Fargo. He said there was only a mailing address. In this internet era, Wells Fargo only has a mailing address for complaints? LOL. That's customer service for you. "We want your money... we just don't want to hear when you are unhappy with our customer service."

MESSAGE TO WELLS FARGO: Please CLOSE all of my accounts as YOUR banker told me was done on Dec 12 in St. Paul. Please don't allow someone... or some company to continue to fraudulently charge to my accounts! PLEASE HELP. If you ever wanted me back as a customer, this is NOT the way to do it! I just want my accounts closed as your bank said he did on Dec. 12.

MESSAGE TO MEDIA OUTLETS: If you want to contact take me about being a part of any story about Wells Fargo... especially if it's a bad customer service or fraud issue, please email me at Jefftracker@gmail.com.

[snip - full names prohibited]

Here is the 'mailing address' that Mark provided to me for complaints (the ONLY WAY to register a complaint about customer service to Wells Fargo
PO Box 6995
Portland, OR 97228-6995

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Posted by aumsville on 2009-04-17:
Hi, My name is Ana, Wellsfargo just did the SAME THING TO ME, well kinda, my husband and I went to close our checking account because we were filing bankruptcy, well after we had "closed our account" the wellsfargo loan department slipped through the account an amount equal to our second mortgage and overdrew our account. They ended up reporting us to the chexsystem, which is nothing but a version of a credit bureau where banks that belong to them can tell if someone knows how to handle a checking account...Well long story short, they sent us to the chexsystem without legal reason. Wellsfargo is terrible, I am looking for an attorney to try and get a class action lawsuit against them, THEY ARE THIEVES!!!, they steal money from people like you and I...I have found thousands of complaints of this nature about wellsfargo, they need to be shut down!!! Contact me if you are interested in joining the cause, I really think we must do something so that people like you or me cannot continue to get abused by them. BY the way, after they report you to chexsystem, NO OTHER BANK WILL OPEN A CHECKING ACCOUNT FOR YOU IN 5 YEARS!!!, can you imagine not being able to open a checking account with anyone else? And all because of their incompetence. Luckily, I have a checking and savings account with a credit union, so, I will not suffer from this...Can you imagine if they do this to someone else who needs to go and open another checking account?? What a joke. Please contact me if you are interested, aumsville2006@yahoo.com, Thanks,

Posted by tander on 2009-04-17:
What are the charges that are occuring on your account? Is someone using your card?
Posted by ryno75 on 2010-02-09:
you're an idiot for not taking the cash in hand and a closed account slip...
Posted by Anonymous on 2010-02-09:
When you close an account, at any bank, if a transaction is posted within a certain time period (commonly 30 days), it will cause the account to change back to open status. I guess th epresumption is that because you didn't turn off automatic debits, you want them to post. This one is all on you, and would have happened anywhere.
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False Foreclosure
Posted by Wellsfraud2 on 01/26/2008
SEATTLE, WASHINGTON -- Recently I read an article about Wells holding a check for processing and then proceeding to enact a forclosure because of no payment. The call in that article was for a class action suit against Wells Fargo, and should an attorney take that call, I want to be on board.

Not only does Wells Fargo have the worst customer service in the financial industry in my opinion, the mortgage department is particularly contemptible. The mortgage department is in an office on the East Coast, one is never able to speak to the same person twice, and everyone has a different answer for the same question.

I've lived in my home for ten years. In 2006, due to extenuating circumstances (a death in the family, a disability, job change) I fell behind in my mortgage. I contacted Wells Mortgage Dept. (one can't go in to a local Wells Fargo and sit down and speak with someone) and told the rep of my difficult situation. I was told by the Wells rep that they would put me on an extension, NOT to pay anything for a month, and then pay $50 more on my payment on a date the rep specified. I understood that the payment would go on the end of the loan and my payment would go up by a small amount.

When I changed jobs and got a raise in pay, I again called Wells Fargo, because my paydates had changed and I wanted to pay my mortgage on a different date than was specified. Wells Fargo said, "don't pay anything for another month, then pay $20 more on this date." I missed that date by one day becuase of my payroll(I was new and didn't know that payroll would fall two days after a holiday). I went in to a Wells Fargo to pay my mortgage payment and they refused to take it because they said my home was in foreclosure. I had no idea. The local Wells office called the Wells mortgage department in Minnesota or wherever..they were just closing, (we waited like I always have for 30 minutes or more,) and the mortgage department said there was nothing that they could do, that they were closing for the day. Twice I'd been told NOT to pay until a certain date, and I foolishly did that, not knowing that they were adding interest and late charges to my mortgage payment to the tune of over $8000.

My complaint is that Wells Fargo didn't provide full disclosure, that the time I spent on the phone attempting to get answers and resolution equated to a two week paid vacation, and that I was inaccurately, in my opinion,charged $8,000+ which is what Wells determined I owed on late mortgage payments.

On my part, I truly didn't understand what Wells had been proposing, or I never would have waited to make my payments. I have a good job and could have made the payments on time. I thought Wells was re-writng the loan agreement, putting the one month I was late on the end of the term, and simply raising the payment I contacted the OCC (Office of Currency Controller) and the State Attorney General office of Wa. with a complaint about Wells Fargo and their practices to no avail. I also wrote to the President of Wells Fargo and got no response. It takes an enormous amount of energy and time to fight a corporation like Wells Fargo. If an attorney or Senator contacted Wells perhaps they would take notice, but not a complaint from a homeowner.

As we watch other large banks and mortgage companies sustain losses,(Washington Mutual and Countrywide for example)I can only hope that an attorney will eventually take a look at the countless complaints against Wells Fargo and do something about the ineptitude, poor customer service and misleading practices that in certain cases are causing unnecessary forclosesures and banruptcies.
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Posted by Anonymous on 2008-01-27:
And you didn't think to get any of the agreements you thought you were making in writing? Pity.
Posted by cycolbur on 2008-01-27:
To save your home i would file ch 13 immediately. I know it sounds bad but it would give you the time to fix this without losing your home. The real catch is they cannot even post it on your credit report if the payments are late during this time. good luck
Posted by wellsfraud2 on 2008-02-19:
robf...you must work for wellsfargo, n'cest pas? Because that's the kind of callous, cavalier attitude that they have.
Of course I got the agreements in writing, however, I didn't take the time nor spend the money on an attorney at the time to review them (yes, I sure should have) because I was in the middle of taking care of my Dad who was in hospice. Since I was on L & I at the time, and travelling back and forth 300 miles every other week, in hindsight, I perhaps I should have been more responsible. I guess I was just a little preoccupied with the fact that my Father, my only living parent, was nearing death.
Each time I contacted wells,I was on hold for over an hour, (I documented that) I was told a different story by a differnt person about each agreement.
Becuase I didn't have a clear understanding, I should have taken it to an attorney. It's too bad the terms weren't clear and that I couldn't take it DIRECTLY to someone in person if I didn't quite understand the terms, but that's an impossibility with wells since they are owned by a corp. conglomorate who don't know who their customers are nor do they care.
I did write to the OCC, the State Att. General and the President of Wells Fargo...the president of wells,of course, declined to answer. So don't be so smug, mr robf ...and you can keep your pity.
Posted by fdmsboy on 2008-02-20:
Hmmm....Wells Fargo is a mess. I walked in there one Mortgage Center to visit a friend who worked there and there was loans in the entrance and hall in carts and all over. I moved my mortgage when I saw that.
Posted by mortgageFRAUDwlsfargo on 2008-04-07:
Searching for an Attorney or anyone interested in joining a class action suit against Wells Fargo to present to an Attorney with enough guts to take on the case.

Today I received a letter from Wells Fargo dated April 2, 2008. It was a Forebearance Agreement that I am supposed to sign for the next 4months. 3payments of $488.17 an then 4th payment is for $3,375.97. With no "grace period. Ok, so I called Wells Fargo an received the Borrower's Counseling Services. Got referred because I questioned the previous letter that I received stating that $1200.00 would be returned back to me if my QUOTE "Loan Modification" was not approved this initial payment will be returned to me. According to verbal conversation this Forbearance Agreement is not a Loan Modification so my $1200.00 will neither be denied or approved so they do not need to send me my $1200.00. An since I don't have any money to move or the $3,375.97 up front I more or less need to wait an see if Wells Fargo's Verbal agreement of rolling back that $3,375.97 into my Loan in August 2008 us a legit statement from them. With paying $488 each month I won't money to move if it does come to that me an the rest of my family, my son, daughter, mother and brother will LITERALLY be on the streets. To make matters even more bizarre. I was originally on a repayment plan of $517.00 a month. Starting January 2007. I had not received anything from Wells Fargo until April 2007, a monthly statement from them stating I owed $492.00 then again in June $472 an July $472 all of which I paid not even a few days after July's payment I received a notice I was in foreclosure status. The difference in this mistake was $77.00 for those 3months. Apparently Accrued almost $700 in late fees and guess what they wanted all that money upfront. Nothing less. I've been told to hold my payments for Loan Modifications this is the 4th in the mean time the late fees and late payments keep adding up & an up. Tell me this is not a scam. I've said from the beginning they are trying to force me out of my house. Think of it this way. Even if I had the money to pay. That is over $5,000 dollars that they would be able to make off of me. Including profit from interest on my normal mortgage payments. I have read over 20 complaints from consumers who getting continuously ripped off from Wells Fargo not just with Mortgages. This is company is huge an nobody is able or willing to take it on. We NEED TO GET TOGETHER. My town is growing fast. Guess who is a major contributor to everything here. Wells Fargo. Land, Board Walk, Theater, Schools, HOMES. Help. They are taking from pions like me an succeeding on my hard work an what should be my time to enjoy my children and my family.
Posted by Harrellpn on 2008-09-07:
An attorney has agreed to look into Wells Fargo Mortgage contact him Miles Brasch his email is MEB101331@AOL.COM Anyone who has a MORTGAGE RELATED Issue please contact him ASAP make Wells Fargo responsible for the pain and suffering they have put upon the average American \
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Wells Fargo's Poor Customer Service and Fees
Posted by G.T. on 03/08/2007
CALIFORNIA -- Thank you for your concerns regarding Wells Fargo customers. I am submitting this complaint against Wells Fargo Bank.

I wrote a check of $330.04 and clearly indicated its date as 02/28/2007. My account was in a position to cover it only at the posted date, but Wells Fargo honored the check on 02/12/2007, two weeks earlier than the posted date. This resulted in my account to be charged $141.00 in a period of 4 days. It is my impression that Wells Fargo upon being represented a check either automatically or as hard copy has to verify the amount, date, and name it is written to. I believe these are some of the red flags that have to reviewed in fighting fraud. The Wells Fargo response below shows that its automated means that it relies on does not capture a check dated year 2005 or 2007 even if we are in March 2005; thus putting customers at greater risks.

G. T.

Below is the Well Fargo Bank Response:

Thank you for your inquiry regarding the processing of post-dated or stale-dated checks. In general, banks process checks by automated means, relying upon check information contained in magnetically encoded information found at the bottom of the check - MICR. The check date is not part of the MICR encoded information. As a result, a bank will pay or return a check without regard to the date written on the check.

As discussed in the Consumer Account Agreement, a "stop payment order" is used if you do not want a check paid or to give the bank notice of a post-dated check. To be effective, a stop payment order must be received by the bank in a time and manner that gives the bank a reasonable opportunity to act on it. A stop payment order is valid for six 6 months and must be renewed if you do not want the stop payment order to expire. Each renewal will be treated as a new stop payment order. For post-dated checks, it is your obligation to remove the stop-payment order once the check is no longer post-dated. The normal Stop Payment Fee will apply to each order.

Thank you for banking with Wells Fargo.
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Posted by grandma005 on 2007-03-08:
You cannot post date a check and expect it not to be cashed. Banks so not even look at dates on checks. If you did not want it to be cashed then you should of held on to it until the 28th. If you give someone a post dated check you can be sure they are going to cash it.
Posted by Anonymous on 2007-03-08:
The Uniform Commercial Code is the set of laws that covers this type of situation. It specifies that if you negotiate a post-dated check, and if that same check is presented to the bank and processed, that YOU and not the bank is liable. You can't, nor have you ever been able to post-date a check.
Posted by rhondam718732 on 2007-03-08:
In this day and age I would think that most people would be 100% leery of believeing that anything handled electronically would be customized to a person's wishes.
Posted by tander on 2007-03-08:
I can't believe you didn't know you can't post date a check to a bank.
Posted by trumania on 2007-08-31:
Heheh, once you write that check out you are legally responsible for paying that amount regardless of the date. The date on the check is more for your records and for any type of verbal agreement between you and the payee.

If anyone you should be complaining against the payee for cashing it early, and also blame yourself because Wells Fargo's account rules and regulations probably state they may or may not accept post dated or stale dated checks at their discretion.
Posted by Piffaretti on 2012-05-17:
The Well Fargo Bank they closed my account and they don t tell me whear they send the money what can i do?
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