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Wells Fargo's Poor Customer Service and Fees
Posted by on
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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grandma005 on 03/08/2007:
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 have 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.
Anonymous on 03/08/2007:
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.
rhondam718732 on 03/08/2007:
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.
tander on 03/08/2007:
I can't believe you didn't know you can't post date a check to a bank.
trumania on 08/31/2007:
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.
Piffaretti on 05/17/2012:
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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Electronic/POS Debit Processing
Posted by on

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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Anonymous on 04/17/2002:
If you would write down your POS transactions and deduct them from your balance promptly, you wouldn't be having this problem...
Anonymous on 04/18/2002:
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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Refinanace screw up
Posted by on
HIGHLAND, NEW YORK -- After completing all the paperwork and signing all the many many forms, I sent back everything and Well Fargo called me and told me they could not accept one of my signatures that was "whited out". OK so I had an additional copy that they asked that I sign and send back 'overnight'. They insisted that I send it UPS and not US Postal Service. UPS wanted $76.00 for one envelope to be sent overnight. W.F. said they needed it by Monday. I sent it on Thurs, to arrive by 3PM Monday @ $26.00.

Now they tell me the envelope did not arrive on time and they want to start the whole process over again.

Their insistence to mail by UPS and the whole "whiteout" crap got me frustrated enough to go to another lender and tell them they lost my business.
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madconsumer on 02/01/2008:
no lender worth their weight will accept a whited out copy. this prevents fraud.

if it had to be there at a certain time, then it was required for you to do so. it is your own fault the application was voided for not being on time.
Suusan B. on 02/01/2008:
The whole "whiteout" crap was your fault and Wells Fargo was perfectly within their right to reject it.

You were told to send the form back UPS overnight which you claim would cost you $76.00. Then you go on to state that you sent it on a Wednesday to be delivered on Monday for $26.00 and now WF says they didn't get it. Which shipper did you use? Surely you have a tracking number, right? The problems you are experiencing are all of your own doing and unless you learn to do as your told you'll have the same issues no matter which lender to refinance with.
spiderman2 on 02/01/2008:
Whiteout on a legal document is a big no-no. I have overnighted with UPS before and not paid $76. There is something missing here.
clancy on 02/02/2008:
to mad consumer. Since I do not sign many legal documents by mail and I am not a lawyer, then I would have no way of knowing that a document cannot be whited out and it was promised by UPS to arrive on timewhich was Monday
To Susan B. The whiteout "crap" as you so nicely put it was not the fault if I was not aware of the legality of it. (see above)
Additionally I stated that it was mailed out Friday, not Wednesday. I also stated that they required that I sent it by UPS. I did track it and it never got sent so I got a full refund. I do what I can afford and I cannot aford $76.00 for one small envelope.
Read what I write carefully before you start with your assinine trash talk.
*Brenda* on 02/02/2008:
You said it was mailed out Thursday, not Friday.
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Harassing phone calls poor service
Posted by on
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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Anonymous on 10/20/2007:
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.
GWbiker on 10/20/2007:
Search for a decent Federal or state Credit Union which offers better interest rates and has several day grace period for loans payments. I've done business with a CU for over 25 years.
steve101 on 10/21/2007:
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.
Ponie on 10/21/2007:
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?
Anonymous on 10/21/2007:
Pay your bills = no 'collection' calls !
This is ridiculous.
Anonymous on 10/21/2007:
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!
Anonymous on 10/21/2007:
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?
Anonymous on 10/21/2007:
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.
Anonymous on 10/21/2007:
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.
*Brenda* on 10/21/2007:
I've never been one day late. I'm a miracle!!
Anonymous on 10/22/2007:
It's a miracle !
Suusan B. on 10/22/2007:
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.
gbs on 10/26/2007:
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!
Anonymous on 10/26/2007:
Try paying your bills on time.
Anonymous on 10/27/2007:
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.
Rob8oD on 03/10/2008:
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.
ejack053824 on 03/10/2008:
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!
DebtorBasher on 03/10/2008:
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.
Why call me call the right person? on 04/16/2008:
They called me , but here the kicker I never financed with them at all. Call the person you need and stop calling me.
rebellovebone on 06/09/2008:
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...
sarahdarah on 09/16/2008:
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....their calling now....wow
sharonver on 05/12/2009:
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?!

Anonymous on 05/12/2009:
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.
nokneed on 02/13/2010:
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. I'm going to look up the FTC what the rules are, and if I can report them.
old fart on 02/13/2010:
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!
Anonymous on 02/13/2010:
Usually your mortgage 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 that's 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.
Abbie13 on 02/13/2010:
Pro you are correct my mortgage is due on the first and no late fee is imposed until after the 16th
DebtorBasher on 02/13/2010:
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.
Anonymous on 02/13/2010:
In other words, you are due on the 1st, late on the 2nd and the calls will be starting.
DebtorBasher on 02/13/2010:
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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Dropped Mortgage loan at closing
Posted by on
CHARLESTON, SOUTH CAROLINA -- I am writing to inform the public to stay away from Wells Fargo. They bought my loan from American Home Mortgage in early Aug and they waited until my closing date on the 24th to let me know that there as a "hiccup" with my loan. The "hiccup" was that they now needed to review the loan because their standards were different.

I'm a first time home buyer and was guaranteed that I had a FHA home loan. I provided all of the paperwork and went through the whole process. I was given a good faith estimate by Wells Fargo and a closing date by the lawyers. I was only informed of a problem through the home insurance company who had not received the paperwork needed for closing on Thursday. The mortgage broker assured me on Thursday that everything was fine and that the closing was being moved to Monday that they were waiting for the papers from the underwriters. Keep in mind I was prepared to move on the weekend. Everything was packed in boxes. I gave 30 days notice to my apartment complex. The moving truck was rented. I sold my old washer and dryer because a new washer and dryer was being left behind at the new house. The seller was in the military and had already received new orders.

His wife and child had already left the state. The seller had a plane ticket to leave Friday night after closing. The ticket was non refundable. I decided to call the lawyer. He informed me that the closing was put off indefinitely and that I needed to contact my broker. Then my broker dropped a bomb shell. She informed me that it would be a week or more before they could make a decision on my loan. Again keep in mind I had been informed that I already had been approved for a mortgage loan. I was in tears. My husband was in tears. My family was in tears. The seller was totally distraught and asking me, "What do I do now?" as he sat in my realtors office.

My realtor had NO clue about the "hiccup". After 17 unanswered calls from the realtor to the broker, the broker called my husband on Friday, the day of closing, and said, "you might want a plan B." The result is they dropped the mortgage loan at closing. I am not alone. There are 5 other families in my area that they did this too. I know there is a law about full disclosure. I don't think keeping everyone in the dark was lawful, fair, or moral. If I had known in early Aug when Wells Fargo bought American Home Mortgage, that there may be a problem, I could have been better prepared. What happened to at least 5 families in the Charleston SC area is wrong.

Devastated in SC,
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tnchuck100 on 08/25/2007:
I must have missed something. How did Wells Fargo buy a loan from American Home Mortgage on a home that had not yet closed on?
trumania on 08/26/2007:
I thought home loans were never 'guaranteed' until you signed the paperwork.

Unless you have it in writing, you can't really hold anyone to it.
moneybags on 08/26/2007:
Warren Buffett owns Wells Fargo Mortgage through Berkshire Hathaway. Write to him.
Suusan B. on 08/27/2007:
American Home Mortgage filed for bankruptcy on or about 8/7/07 and it appears that your broker attempted to get Wells Fargo to approve your application. Unless you had closed on your new home with AHM then you did not have a loan with them to be transferred. Sounds to me like your complaint should be directed at the broker who gave you bad information on the status of your mortgage application.
Anonymous on 08/30/2007:
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.
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Overdraft fees
Posted by on
ANCHORAGE, ALASKA -- I recently looked at my Wells Fargo account online and saw that I had been assessed $261.00 in overdraft fees. I had 9 transactions totaling $36.00 that were made in a 2 day period. A full week later our car payment was taken out for $414.00, but it was posted before all of the previous weeks transactions (all of which had shown up online in the previous week) and subsequently overdrafted my account by $30.00 and some change. I incurred 9 overdraft fees for $29.00 each. I realized that I had made a math error of $30.00 when calculating my check book. I called Wells Fargo to talk to a supervisor and ask why the car payment had posted before all of the other charges, and was told by a supervisor named Ashley that "I am sure this is not the last time your account will be overdrawn and if you don't like it you can go to another bank, but until you figure out how to spend your money, you will continue to have the same problem." Then she hung up on me. I was treated like I was a criminal, all for a $30.00 addition mistake. I have tried to contact the complain department, but they are never available, I was told that the best way for me to get a hold of someone was to send a letter, I have done that, but have not received a response yet. We will be closing our account next week. If any of you are interested in changing the way that overdraft fees are assessed by banks you should e-mail your state congressmen and tell them to support the Consumer Overdraft Fair Practices Act, it would require banks to notify their customers before they make a transaction that would overdraft their account, and it would prevent banks from being able to post checks before charges that were made prior to the check being deposited.
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Anonymous on 07/28/2007:
You lost all sympathy with "I am sure this is not the last time your account will be overdrawn and if you don't like it you can go to another bank, but until you figure out how to spend your money, you will continue to have the same problem." In a million years you will never convince me that a CSR said that to you on the phone, even though I am sure that hse (and I) think it's true. It was your error, plain and simple,cowboy up and face the consequences.
Anonymous on 07/29/2007:
It's about time the Feds/Fed Reserve issue some guidance and rules concerning overdraft fees. It's getting ridiculous. Yeah, of course KenPopcorn is correct but at what point do we the people scream foul.
raganokc on 07/29/2007:
The posting of debits in descending order from highest to lowest instead of in true chrolological order is a sneaky little tactic that almost ALL banks are using now in order to collect more fees. Yes, you are responsible for the error that resulted in your account being overdrawn, but you should have had ONE overdraft fee for the car payment, rather than SEVERAL for the smaller transactions that actually preceded it. But unless banking regulations are changed, this greedy practice is likely to continue.
trumania on 07/29/2007:
Simple solution, use a calculator. I say this because I think you are lying about what the CSR said. Manager CSR's will not say something like that unless you specifically provoked them to the point where they blurted it out.

Anonymous on 07/30/2007:
Were the previous weeks transaction made with a check card or a debit card? If they were done using a check card, the previous transactions were meerly a hold on the funds until the merchant processed the transactions at which point they would be posted to your account and debited from your balance. Which could be why they posted on the same day as your car payment days later. For transactions that small use cash (despite what the commercials for check cards try to tell you). Banks make a small fee each time you use you check card so of course they will encourage it.
tastroh on 07/31/2007:
I am not lying about the csm she said what I wrote, I have been contacted by the depatment that deals with complaints and they have assured me that the problem will be dealt with, why would I lie about what she said? I am not looking for symapthy, just pissed about the way I was treated. I know that the overdrawn account was my fault, I was simply seeking clarification on how they post their transactions, and I have gotten different stories in the past. I take full responsibility for my account, that isn't the issue, but the csm really should have been more professional. Kenpopcorn, your approval is not something that I care about.
Anonymous on 08/25/2007:
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.
estefan2020 on 12/25/2008:
as stated all banks now reorder the batch processings from the largest value to the smallest vallue. This is to be able to charge as many fees as possible. one simple fix for people who have known exact monthly payments like car or mortgage payments is to have a separate checking account that you have automatic transfers from your payroll checks. you will also have a second checking account for everything else. you may still get hit with fees, but if you balance each line before writting a check, or using your card, in adition to have a reserve amount set aside like don't make transactions if your ending balance will make you under $100, will greatly decrease bank fees.
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Wells Fargo Business Credit Card
Posted by on
This company operates in a very unethical manner.
They promised 0% interest rate in the first year.
I asked if this included balance transfers they said yes. I got the checks and paid my other credit card a/c and their check bounced. They said I did not have the right check, which THEY sent me. After paying with the replacement check I got the bill. My interest rate was 24%. They said they considered this a cash advance and that was the reason. I have a credit score above 800.
They said I had to have a clean six month record to lower the interest rate.
My payments starting becoming mysteriously late even though they were sent in on time so I tried paying them over the phone. One payment they said was not applied due to "clerical error." They said since it was not my fault I would not pay the late charge but sure enough it was on my next statement.
I tried using Western Union Quick Collect. I was assured they would credit me the day I sent in the payment. I did the wire on 12/10 and gave them the control number when they called on the 15th to say my payment was late. They said they never got it and I would have to track it myself.
They eventually said they got it on the 19th and could not adjust my account to show this or credit my late fee because it was not their fault.
This is after numerous other promises were made to me about lowering my interest rate etc. which were also never kept. Warning!!!! Do not do business with these crooks. Try a more reputable company and any company that repeatedly mails you offers is suspect. I will be paying off this bill with my next statement.
That's my "4 cents"
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tastroh on 07/28/2007:
Typical Wells Fargo! Their customer service agents seem to be completely incompetent and are never accountable for their errors. I would get another credit card with a low interest rate and transfer the balance of Wells Fargo onto that card before your credit is ruined! Wells Fargo is horrible!
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Fees placed on my checking account
Posted on
CALIFORNIA -- Dear Wells Fargo Bank,
Upon opening a membership checking account at your bank, I was promised a no fee checking account that provides interest and free standard checks, travelers cheques, and money orders because I worked for a company that banks with you.
During your conversion of the account for new members, I was beginning to receive charges on my account even though I had opened the account proir to these changes being accessed to the membership checking account. I called and talked to Matt Regan of the Woodbridge, Irvine, CA (AU#0983) branch and was told that he could put a permanent waiver on the account if I could provide anything in writing stating that my account was free. It took me a couple of weeks to locate my paper work but I found the flier I was given to me that initiated the opening of my account. On the flier, it states that there is no direct deposit requirement, free standard checks, free travelors checks and free money orders. I proceeded to call back the bank only to find out that Matt Regan was no longer working at the branch. I spoke with the new branch manager, Scott Lanning but only received a response that he could do nothing about my situation. He refused to work with my situation and simply turned me away telling me to either convert my account to an account forcing me to keep $1000 in it at all times, or to pay the $12 a month fee that should have been waived because of the terms and conditions of when I opened the account. I said I did not want to convert the account because I liked the benefits of my membership account and would like to keep it open with the same terms that I opened it with. He again stated that he could do nothing to help me and advised me to close my account and no longer bank with Wells Fargo.
Following this long and frustrating conversation with your new branch mamager, Scott Lanning, I felt that my problem remained unresolved. I called your customer service number and spoke with your supervisor, Christina. She also informed me that there should have been a permanent fee waiver placed on my account because of terms and conditions of when I opened my account and stated that the changes of fees and terms should not apply to my account now because I had opened my account before the new changes occurred. She said that she would place a 6 month fee waiver on my account to give me some time to locate Matt Regan, the previous manager of my branch.
Since speaking to Christina in July, I am still receiving fees placed to my account of $12 a month since September of 2002. So far, you have withdrawn this money from my account even though Christina promised to place a temporary waiver on my account so that I could have more time to solve this problem. Since then, you have withdrawn $60 from my account that I would like reversed and would like to speak to someone that can help me resolve this problem. I am a good customer that banks with your company, never bounces checks and remains a loyal customer to your bank. Please resolve this problem and refund my money back. Thank you for your time and please contact me regarding my situation.
Angela from Irvine
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Reba on 03/13/2005:
I'll try to be brief, though I could write for days on this predator financial institution. Last May, my side business was cut in half (suddenly) and though I still had a full-time job, my finances were minimal, at best. I had written a check to a certain entity and checked online every day to be sure it was paid. It turned out that I was a few dollars in the negative, and so I ran to this entity to pay the amount of the check in cash. When I checked my Wells Fargo online banking, it appeared they had paid the check and charged me $30.00. Now, I found myself having paid a hefty sum of money twice. So, I ran down with a printout of my online banking to prove my bank had paid my check, and this entity returned my money. The next day when checking my online banking, I found that Wells Fargo had "reversed" the payment of my check and charged me another $33.00 for this reversal, PLUS another $5.00 overdraft fee to boot. I was astounded. Now, not only did I owe the original entity a heft amount of money, but I had almost $70.00 in bank charges for one check. And, if you add in my Wells Fargo "Payday Advance" of $500.00 which Wells Fargo decided suddenly and without notice to allow me to utilize (and pay back slowly by taking smaller advances each month), I found myself completely financially devastated, personally humiliated by the treatment afforded me by Wells Fargo 'agents' when I tried to get a reversal of some of these charges, etc.. I could continue my adventure story with Wells Fargo (and it does get 'better'), but I will leave room for someone else to comment. Suffice it to say, I can't believe there hasn't been a class action to date bringing their banking practices to light. If there ever is one, count me in! Beware of Wells Fargo for your banking, unless of course, you are one of the Beverly Hillbillys.
mad as hell on 06/11/2013:
called the 800number to check on my balance in the checking account
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Complaint regarding the attitude of your service manager; Patty Christian
Posted by on
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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Anonymous on 06/20/2001:
It is a shame. Some people let there small amounts of power go to their heads.
Anonymous on 09/04/2001:
This Patty Christian manager should be fired for being so rude. Why would Wells Fargo hire such a person, especially as a "service" manager?
Anonymous on 12/31/2001:
Kind of one sided story here. I'd be curious as to the details.
Anonymous on 02/07/2002:
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
Anonymous on 02/09/2002:
Wells Fargo at it again!
Anonymous on 04/09/2002:
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."
Anonymous on 06/23/2002:
Sounds like customer service is dead with this bank.
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Investment Broker at Wells Fargo
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ABERDEEN, SOUTH DAKOTA -- My family filed a complaint against an investment broker at Wells Fargo in 2001. The broker is still working for Wells Fargo and strikes again!

I received a small inheritance that was supposed to be paid out in 5 payments over a 5 year period. Guess What? This investment broker put it back into a high risk annuity without my permission. It has decreased in value by 40% since September 2008. I was given no information until they finally mailed a September 20, 2008 statement that I received October 20, 2008.

Beware of Wells Fargo and their tactics!
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madconsumer on 10/23/2008:
these broker are not part of wells fargo. read the fine print and you will see they state this clearly. it also states, these deposits are not fdic insured.
BobJohn on 10/23/2008:
If you filed a complaint in 2001 why are you still with Wells Fargo? You didn't have to be in high-risk investments to lose 40% since September. You had every right to pull it out of the specific investment you mentioned and put it into CDs but when stocks were going up you didn't worry too much about that it seems. Now that the market tanked it is the broker's fault.
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