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Wells Fargo Will Not Release My Insurance Money
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

My family and I were involved in a fire in January 2013... Our home was destroyed and we lost everything including our family dog. We had to jump from a second floor window to save our four children. The community was quick to respond and letters and donations were quick to come in. A modification was suggested to us as we were still paying a $1500 mortgage for a home we weren't living in and my husband had been laid off the month before. We gratefully went this route as we were trying to replace everything that had been lost.

After negotiations between our adjuster and the insurance adjuster were completed, a check was sent to cover the cost to rebuild our home. This was two months since the fire. In that time we had been living with my in-laws because our policy didn't cover temporary housing. Finally rebuilding was supposed to start. Not so.

The insurance company sent a check for the agreed upon amount but Wells Fargo was reporting almost $25000 less than the agreed upon settlement. My adjuster was angry needless to say and started asking questions. Wells Fargo had received the money and said they were holding back that amount in case of over costs. No one was very happy over this but it was a small detail and we were anxious to get the work started. Again not so.

We were told because we were in the middle of a modification that they weren't releasing the money until it was settled. One month we were told. Since we were told this, we have gone through a long process of never ending paperwork. We are told to fax this and send that. We do not receive a response to anything unless we call, and when we do we are told that we need yet another piece of information that we weren't told about two weeks prior.

We are now at the end of June 2013 and days from July and told that we needed yet another piece of information. (Please remember the fire happened in January.) This is the same piece of information that my HR at work has written a letter about on at least two other occasions. But now I have had to send to the Chicago home office to get the Head of Human Resources to write about. This piece of information? My job donated money to the family to help us after the fire and is on my pay stub. My HR has written two letters and I sent a signed affidavit stating that this was a one time gift. Not good enough.

In the meantime, my family is still living with my in-laws in two rooms. My children have lost their dog and home. They ask when are we going home. How do I explain to them that Wells Fargo has our money but won't release it and the modification that was supposed to help us is actually holding us back?

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No Alert
StarStarEmpty StarEmpty StarEmpty StarBy -
Rating: 2/51

COLORADO -- My husband banked with Wachovia and of course they were purchased by Wells Fargo in 09. They told him to use his card (Wachovia) until it expired which was 2013. That was last August. Last week he gets a letter in the mail from Wells Fargo. They sent him a new debit card! They never called to tell him one was being sent out.

When he looked at the letter enclosed it read, "€œIn fulfilling our commitment to detect fraud on our customers'€™ debit cards, Wells Fargo regularly reviews cardholder activity to identify unusual purchase and ATM transaction patterns. As part of this review process, your debit card number and/or Personal Identification Number (PIN) were identified as being at risk for unauthorized transactions. As a precautionary measure, we will be closing your current card and issuing you a new debit card with a different card number and expiration date."

They just sent a card in the mail without his knowledge. He was so shocked to get that. Being that he didn't know it was coming, the fraud department opened him up to fraud. They never called and asked him about the charges at all. He had not used his card in any places that he had never used it and the charges were the normal, books, groceries and other small purchases at places that he had used his card at for more than two years each. Notice that after saying he may be open to fraud that they didn't call him and suspend his account. Therefore, if there was fraud, he would have been wiped out before he got the card they sent without telling him.

The worst part was that the letter stated that they would shut off his old card this week (about two weeks after the letter was received). What if we were out of town as we take a lot of trips during the summer? His card would have been shut down when we actually needed it without any explanation from the bank.

Also, it could have gotten misdelivered (our USPS has misdelivered a number of things within the last year). Not that it could have been activated without other banking information but, it would have left him without a card because without the letter, he didn't know his card was going to be shut down. Plus, if it were delivered to the wrong person they had a lot of his information, i.e., name, address and who he banks with.

He went to a local branch near our home to complain and the lady who was helping him started playing the blame game. She started with, "We sent the new card because we changed your account (also without notification, it was included in the letter with the card) to a different kind of checking." He says "Yeah, if I don'€™t keep my balance up then I would have to pay", she says, "No, you have a free account because you were grand fathered in." He tells her that the letter said they would start charging him $5 a month if he didn't keep his balance higher than $1,500.

She disputes this again and then looks at his account (never read it before but she was trying to explain to him that he was wrong) and says, "Well, you don'™t have to worry about that, your account is within the parameters and you have a platinum card now (I guess she thought that was supposed to make it OK)."

He goes on to ask, "Why did you all send a card without my knowledge?" She says it was the back of the house. He asks why they sent a card without his knowledge that would make his old card null and void within a two-week period. She says she doesn't know. He asked if that was their normal policy, she says she doesn't know what the back of the house policies are.

He transfers most of his money and tells her to close his account. She, as she's taught, tries to get him to stay. He tells her that he doesn't want a bank that would send a card in the mail without notifying him opening him up for fraud, a bank that calls at least every two weeks trying to get him to purchase life insurance that is through a third party (a Wells Fargo associate calls and says that if you want the product she will put you through to the company that sells it) or one that charges him if his checking account dips below $1,500.

After that she did not say another word to him. I guess she just gave up and finished closing his account. Beware if you have Wells Fargo they may send you a debit card that cancels your current card without telling you. In the end I believe they were just changing his account and they lied about why they sent him a new card. However, if they would have just said that to begin with, he may still be a customer. I just don'™t get why these companies think it's better if they be sneaky and lie rather than be upfront.

** Update** I just got an automated call from Wells Fargo (not 20 minutes after I wrote this review). The message said that Wells Fargo is sending a new card because my husband's card is "at risk for fraudulent charges." Aren't all cards at risk for fraudulent charges?

As a bank they should have things in place to minimize that risk. Instead they send a card without his knowledge. This call came almost two weeks after he received the card in the mail and almost a week after he closed his account.

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Seniors and Small Depositors not welcome
By -

I initially opened an account with Wachovia after leaving Chase, which has always been a forerunner in customer dissatisfaction. The account that I opened was designed for seniors with no fees, free checks, free bill pay and an automatic savings. Wells Fargo took over Wachovia a few months later, which Wachovia was very well aware of when they opened my account. To its credit Wells Fargo kept my senior account going for a few months when my daughter and I went in to see about an account for her. She is a student and works for a large charitable organization.

The Wells Fargo "Personal Banker" signed my daughter up for the top of the line account because she worked for the charitable organization. The account included no fees as long as there was a direct deposit and an automatic transfer to the linked savings account monthly. It included interest checking, free checks, free bill pay, free cashiers checks, free travelers checks, free notary service etc etc etc. At the same time she talked me into the account next down on the premium list that included virtually the same things with no fees as long as a direct deposit was made and automatic transfer to savings was made.

We were told that the bank would pay 3% on the first $500 of savings for 11 months for opening the accounts. Two months later we received a change notification that in order to avoid fees on these premium accounts we would have to have a MINIMUM automatic deposit of $750, a minimum balance of $5,000, or have three linked Wells Fargo accounts including credit lines such as a mortgage with a total of $5,000. This would be in addition to the automatic transfer to a linked savings account. AND in my case, because I had already had a Wachovia account with an introductory rate, I would not be getting the 3% from Wells Fargo.

My daughter had to go down to the bank and change her account to a Student account because her automatic deposit would not meet the minimum requirements and she certainly doesn't have $5,000 floating around. Fortunately for her, there was one available. HOWEVER there is none of the perks promised with the original account that she opened just two months prior.

I went in to talk to my "Personal Banker" (who seems to have aged substantially; probably because of the flack she is taking because of corporate decisions). I was told that I could take an account that has a lower fee but I would have to maintain an automatic deposit and an automatic transfer to savings in order to avoid fees.

Their least expensive account does not include free bill pay. They no longer have accounts for seniors. But then neither do any of the other major banks in the state of California. I was also told this was a pilot program and they were going to see how it works out (how many depositors they lose). The next move will be to charge fees for use of ATM cards. I personally have decided to go to an online banking account with a highly rated online bank where everything is free and the customer service is good. They offer free checks, free bills and ATM transactions.

When I spoke with the manager he said that with a bank with branches I could speak face to face with a customer service person (Personal Banker) but I couldn't online. I told him that I can yell just as well at an online CS representative as I can face to face with a Wells Fargo personal banker. He was just plain arrogant. I guess seniors and small depositors don't deserve respect and service from big banks like Wells Fargo, Bank of America, Chase, US Bank etc.

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Worst Bank Ever
By -

THOUSAND OAKS, CALIFORNIA -- I had been a customer with Wells Fargo for about a year and a half. Firstly I thought the online account management was a good asset of theirs until I went to Europe in the Summer and then the problems began. You can actually only use the online banking for minor bills and amounts and that is it. They have such restrictions that you cannot actually pay more than about 6000(altogether). I think it was in the course of one month. I needed to make an urgent payment of 100 000 while I was in Europe for an escrow company. There was no way I could do that from where I was. Just simply no way. They wouldn't allow me to.

So I had to finally go to the US Embassy, get a Power of attorney for my husband and he still had difficulties trying to get the money out of the account. Not to mention all the poor customer service, branch manager communication. It was as though they just wouldn't let go of that money. Amazing!! 6 months later I had used up most of my money and was left with about 6000 and got a call telling me that I needed to change the type of account I have as I was getting fees. So I did had it changed and they actually did waive the fees for me. The banker spelled my name all wrong.

Then when I got my card, was told that there's no need to fix it. And on top of that, signed me up for ID theft protection without my knowledge charging me monthly for it. My overall dissatisfaction with this bank led me to wanting to close my account. I had a payment which I made over the phone 5 days prior to closing the account. In the branch where I closed it, I specifically asked the teller "can you see that payment, was the money taken out" and she says "Oh yes" so I went ahead and closed it. 1 month later not one week or a few days, I get a letter that I owe money and 100 worth of overdraft fees including for the ID theft I never signed for.

What is interesting is that in the letter statement, the payment due itself comes in before the account closure in the list. But on their computers in the branch it shows that it came after the account closure. Now my husband has worked for Wells Fargo as an IT and knows how their systems work. Not only do they not have a specific timeline of the processes in their statement and cannot actually tell exactly, prove when the money came (both the money and the closing was in the SAME DAY) but they just appear as a specific date. So they cannot prove the timeline yet claim the payment came after the account was closed?! Interesting.

The banker was sarcastic, threatening. The manager was obnoxious just awful. They never waived anything. And last but not least one of their bankers looking at my account history of having more than 100 000 in it tried to hit on me asking me about my personal status. Married or not, if my marriage was going well, telling me where he lives and giving me a business card with his personal number in case I ever needed anything. He was around the corner for me. Disgusting!!! Finally I am more than glad my relationship with them is OVER!

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You Have Got to Be Kidding!
By -

GILROY, CALIFORNIA -- I have concerns with regard to the way Wells Fargo handles its checking accounts. I had just fractured my pelvis so was home basically in bed. I sent my longtime girlfriend with a check to cash as I could not take myself to the bank. I needed to pay some debts. When she got to the teller window she showed them the check and presented a current valid driver's license together with her last expired driver's license all the information on her licenses were the same. The teller asked her to take a seat and that a banker would be with her in a few minutes.

Finally one of the ladies seated at one of the desks called her over. She asked my girlfriend if she had an account there at the branch in Gilroy, CA. My girlfriend responded that no she did not have one, but was there to cash a check for me. The check was for $1,000.00. After reviewing the check (that is my main branch so my signature card should have been available) I had over $20,000.00 in my account so the balance was not a problem. The lady told her she needed to check something. She called somewhere and told her that she had called my work and that I was not available.

I am a self-employed contractor, so she started out with a lie as I work out of my home and if she would have called I would have answered. My girlfriend told her that she must be mistaken but did not explain. So my girlfriend called me from her cell phone, then passed the phone over to her.

My concern is that the bank's policy to call everyone who writes a check and to have them confirm they wrote the check. If that is the case what a waste of time and why write a check. I would have been embarrassed if that had been a client I had given a check to. She then explained to my girlfriend that it was because the check was over $1,000.00 and that was policy. Ultimately, she then cashed my check.

2 weeks later I again needed to cash a check and since I was still healing I again sent my girlfriend to the Wells Fargo in Gilroy to cash the check. The same thing happened when she arrived. Went to the teller window then was asked to have a seat and wait for a banker. Is this also bank policy? The same lady asked her to sit down and my girlfriend presented the check. She asked her "didn't we go through this before?" My girlfriend responded yes and pointed out that the check was under $1,000.00 as to her last excuse.

I had left my phone in my truck and could not respond to the call. Wells Fargo refused to cash the check stating that they were not able to talk to me, so therefore could not cash the $900.00 check. They didn't even check the signature card. My girlfriend then went to another Wells Fargo bank in a different town and cashed the check without a glitch. What the hell??

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I Miss Wachovia.
By -

GEORGIA -- My husband and I called to get our available balance & to see if we had any pending transactions that affected our balance. The lady we spoke with did tell us we had pending transactions, but that it was already reflected in our balance & that our balance was accurate. We asked her several times are you sure that the pending transactions aren't affecting our available balance, she said no. Okay great, so we thought. The next day our balance dropped dramatically! Apparently the representative lied to us about our balance. We called to see what was going on and bam!

The pending transactions did greatly indeed affect our balance though the lady told us the night before it had already been subtracted even though some things were pending. So we explained all this to the guy (rep) on the phone & he then told us that purchases made on the weekends don't post til Monday, wow that had never been explained to us & it wasn't what the lady told us.

But the thing about it is we called the first time Monday & spoke with the lady & the guy on Tuesday so. This makes no sense right? We felt very mislead & was very upset and no one cared. We spoke to more people and all they would say is it's best to manage your account online on your own.

We were lied to & mislead which ended us in a bind. We even spoke with a manager & he was very rude & sarcastic & didn't feel bad at all. He tried to flip the script & basically put the blame on us. No matter what my husband & I said, he (the manager Chris) just kept defending the reps saying they gave us accurate info. He had no remorse & argued with us. So apparently Wells Fargo thinks that it's okay to lie to customers & basically to manipulate whatever issues customers have to cover their own selves.

My mother told me a whole bunch of people were having problems with Wells Fargo & I defended this bank... Guess I spoke too soon. And then on top of that my husband would have to wait til 6:20 am just to have access to his direct deposit check. Isn't it supposed to post at 12:01 am? Our end result was that we closed our account & withdrawn all of the money & even the bank tellers were nonchalant about this situation. Wachovia was so much better.

A whole bunch of other people we know are having the same problem with Wells Fargo, 1 lady even found out that they were charging her hidden fees & she had no idea and they didn't care about it when she called about it. My husband & I don't recommend this bank to anyone. We are so disappointed at the lack of correct info & customer service. Read other reviews about this bank, because like I said a bunch of people are having problems with this bank. I banked with Wachovia for many yrs & never did I have any issues.

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Wells Fargo Nightmare Continues, Stole My Money and No Credit for My Deposit
By -

MERCED, CALIFORNIA -- Where do I begin in my nightmare with Wells Fargo Bank, they are truly one of a kind in such a large organization who can do what they want with the public/consumers money and get away with it. It all began back in 2004 when I deposited 10,000.00 into Wells Fargo bank, in three months I had only $1000.00 left, because I didn't keep track. I thought somehow I had spent $5000.00 that was missing out of my account, when I kept asking about it they continued to say "Money is easier spent than to receive, you spent that money. Didn't you keep track of your spending?"

I said "In a way but not writing everything down", so I let that go, but in the back of my mind I wonder would an institution really steal your money as big as them. Well yes I do believe now. They did after reading all the stories about them and the most recent encounter I had with them.

Wells Fargo Bank out of the blue froze my account on 7/20/2010. When I went to buy groceries my card came back decline. I though declined try it again, they tried my card again. I then left and said I would be right back keep my groceries in the basket. When I got to the bank I learned that my account had been frozen by Wells Fargo Bank with no explanation. Just my funds were under investigation for some check systems? They stated I could not withdraw any money out of my account until this was resolved with their investigation department.

I stated "I need my groceries and I need my money. Can I at least get just $50.00 of my dollars out of the account", they said "No! You cannot. Your account is frozen" giving me a very evil look and said call this 800 number and just maybe they can help me. I called the number and was told they would have to hold my money for 10 days. I stated "10 days why so long", I was told that's their procedure. I stated I need my money before then, the lady on the phone said "We'll call back by Friday. We are closing your account. I will call the bank and have them release your money." I said okay.

I called back today 7/22/2010 and was told I had to wait until August 3, 2010 and that they would mail me a cashier's check to my home address. I said "This is far too long. Why what's going on with my money." The man on the line said "Ma'am all I know is what I am told. You are in check systems and you cannot get your money until August 3rd" and that is it. I hung up the phone and said I am going to look in their policy book and find out what is going on since no one could tell me.

I looked under frozen accounts, and the purpose they could do this. It stated because of illegal operations, I looked again at this and said to myself this is not illegal. I am in check systems and have been in there for some reason they have not told me as well (I believe check systems and Wells Fargo are One). Anyway I called the representative back and informed him that their policy says illegal operations your account would be frozen, "What illegal operations have I done?" He stated "None Ma'am. You are in check system."

I stated "Well your policy says nothing about check system and you guys knew this when I opened my account so why are you freezing my account. I am disabled. I have medication I need and I need my food as well as my medication." He transferred me to another lady and she agreed to release my funds if I could make it to the local bank today. I did, the clerk at the bank was reluctant but they did give me my money but not all of it, I am missing it seems around $200.00. They stated when I called that it was nothing that could be done about this now since the account is closed.

I couldn't believe this, I am on a fixed income now and can't afford an attorney but this bank needs to be investigated. I believe they are some kind of Mafia Bank that can take your money and say try to do something about it you may end up dead... Literally... If ever there is a class action lawsuit please post it so that all that has been done unjustly by this Mafia Bank can get their Thousands, Millions, Dollars, back.

Thank you for taking the time to read my story and others, if you are with Wells Fargo Please pay attention to your money and if it seems some is missing don't think you are crazy. Chances are it just might be. They will take your money and stare you in the face as to say "Prove it. We have been doing this for years. You're not the first and you sure want be the last"...

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Hidden fees and poor customer service
By -

SANTA ANA, CALIFORNIA -- I have been with Wells Fargo now for 2 years. When I bought the car, it was the only thing I ever had on my credit. Because of this, they charge me a 20% interest rate. Every time I ran behind on payments (usually within a week past due) they talk to me like I am the most awful person walking the face of this earth. Like none of them have ever been behind on any bills whatsoever and they are all so perfect and how dare me. I totally get it, they put their trust in me to pay them on time, that's why they loaned me the money, but at the same time I am a customer of theirs and no one should ever treat customers that way.

I have never talked to the same person twice and every person with the exception of one (**) have had an attitude by the time they answer to the time they hang up. I look at it like yes you gave me a loan thank you for that, but you are getting your money every single month. Not only that you are getting more than your money back with your 20% interest rates and "late fees". They call all hours of the night and harass anyone that answers the phone.

Real incident, I didn't know it was them calling, the caller id didn't show a name yet and instead of pressing the answer button, I ACCIDENTALLY pressed the hang up button. So they call right back and my fiance answers the phone the first thing the Wells Fargo employee says, "are we going to be mature now?" my fiance said "excuse me? who the hell is this?" He then asked to speak with me and my fiance says "you don't have the right attitude to be speaking with her."

Before my fiance could hang up the Wells Fargo says, "tell that to the tow truck that's on its way". So naturally my heart skips a beat and I call back and speak with someone else and ask them what was going on because as far as I was concerned, I wasn't past due at all. I found out he acted like that seriously over a $27.00 late fee. They are extremely rude and hateful. I recommend that no one ever gets a loan with them. Even if it's a higher interest rate with someone else, it's so worth it because you don't have to deal with this company and its miserable employees.

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Wells Fargo Customer Service is the Worst!
By -

I have had one of the most frustrating customer service experiences ever with Wells Fargo and recommend anyone who is considering a loan with them to consider a mafia loan shark first, you will get better service and will probably be treated better. I have had my mortgage and home equity line of credit with Wachovia for 4 years. I have never missed a payment and typically pay extra every month.

Well, Wells Fargo bought Wachovia and my home equity line was recently converted to a new Wells Fargo account. I received a letter from Wells Fargo stating as of June 7th my account will have a new number and not to pay on the old one, it also said I would get a new statement with the new account number in the mail. My payment is due on the 12th of every month, so when June 10th had come and I hadn't seen a new account number I called them and asked for it. They wouldn't give me the account number over the phone and insisted that I would be receiving it in the mail.

I asked about my June payment and they said their system indicated that my next payment was not due July 13th. It sounded weird to me but they kept insisting that was the case. So on June 17th, I still had not received any information in the mail about my new account but I was able to log onto my new Wells Fargo account online. It showed my next payment was due on July 13th, but it was for $200 more than my normal payment. So I call again and am on hold for for about 30 minutes.

I finally get to talk to someone named ** and neither he nor his supervisor ** could explain to me why my payment due is $200 more, they said they just converted the account and didn't have information on it yet but would soon and they would call me back (I wasn't holding my breath on that one).

A couple of days go by and I get a call from my ex-wife asking why the bank is calling her and harassing her about me owing an overdue payment that they wanted immediately. I again call the home equity service line. After waiting 15 minutes I get connected to someone in sales that couldn't help me. He transferred me to **, who was one of the most useless CS reps I have ever dealt with. She wouldn't discuss my account with me because I didn't know the account number. All I had was the last 4 digits which were available to me through my online account.

She finally transfer me to her supervisor who proceeds to tell me I don't owe them anything until the 13th and he can't tell me anything about the account because he doesn't work with home equity loans. Even though I specifically called the home equity line number for Wells Fargo and told every person I spoke with that I needed info on my home equity line, he then tries to transfer me again (at this point I have been on the phone over an hour) and of course disconnects me.

About an hour later I get a call from them stating I owe my payment plus $200 for late fees. I immediately ask to speak to a supervisor, am put on hold and then hung up on. I am very irritated at this point so I decide I will just wait for them to call again.

The next day after I have calmed down a bit, I call the home equity one number again and finally am able to speak to someone that knows what they are doing. ** was able to access my account and explain to me that the $200 was not a late fee, it was my minimum payment because that I had been paying over on the account all the time, so their system showed a partial payment for June with a left over amount due of $200, then my regular payment plus the $200 was due by July 13th.

She also said the system didn't show me as being overdue so she wasn't sure why they were calling me, but if I paid the $200 for June plus my normal payment for July then I would be paid up through Aug and they would stop calling and she could put it in the system immediately. I went ahead and paid it and asked for a full accounting of my loan to be sent to me in writing. Well, I never received the account of my loan and then later that night I received another call from them asking for an immediate payment on the money due.

I proceeded to tell the CS rep, **, that he needs to check his system and stop bothering me because I had been proactively trying to pay them for over two weeks and they wouldn't take my money. I said I paid them in full through Aug even though technically I didn't owe them a dime until July according to his own supervisors and that if the calls didn't stop I would be filing a complaint with the Federal Reserve about their bank. He then told me if I wasn't a deadbeat and paid my bills on time they wouldn't need to call me. At this point I lost it and started yelling at him and he hung up on me.

I was just getting ready to refinance both of these loans and Wells Fargo has made it very easy for me to cross one bank off the list. I will not be doing business with them anymore. I am in the process of transferring my checking and money market accounts out of their bank now.

It amazes me that companies don't realize how poor customer service can really affect their bottom line. I know I am just one small account to them but I would think they would like to keep my business considering they stand to make a few hundred thousand dollars in interest and account fees from me. If anyone is looking for a loan, stay far away from Wells Fargo they are not worth the headache.

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Wells Fargo Bank constantly under reports deposits
By -

Wells Fargo account service for Direct Reinvestment Plans. For many years I had a Direct Reinvestment Plan with Merck. Some time ago this plan was taken over by shareowneronline.com which is Wells Fargo (much to my great horror). At that time I stopped getting any statements from them. So I called and it was quite a chore to get such a simple thing fixed, I ended up having to call multiple times to start receiving account statements again.

About two years ago I told them to only send hard copy statements through the mail and to block all online access because of a keylogger trojan problem I had. Most companies like Vanguard immediately took care of the issue, but Wells Fargo it was the same problem all over again, they'd say they stopped online access and yet I could still log on. So once again it took multiple calls and finally speaking to the right person who fixed it for me.

So for the last six months, having solved my trojan problems, I asked them to give me access back to my account online. I did this with all the mutual fund companies, banks and my two brokerage accounts. Everything went fine except for Wells Fargo. Still to this day I do not have access to my account online. I just spoke with them again today, and they said "so-n-so in such and such department is working on it, but I'm not in that department, and they're gone for the day, so I can't see what the status of it is". I've had two supervisors promise me they'd look into it and fix it, and call me back. They never do.

I can't get over such a major bank as Wells Fargo being so terrible with their customer service but I'm not at all surprised by it. In the 1980's I had savings and checking at a Wells Fargo in Vallejo, CA, and later in Elko, Nevada and I found on several occasions where deposits had not been credited to my account OR that they had credited the incorrect amounts. Needless to say I quit doing business with them!

When I moved to Visalia, CA the first bank we came to in town was a Wells Fargo, and as I had a bunch of gold coins with me that I carried in my car on the move, I went in, opened a free checking and then got a safe deposit box to put my gold in. I knew I was only anchoring the safe deposit with the checking, as at that time they told me I had to have an account there to have the safe box.

Each year we'd get a bill for the box and we'd pay it, but we never went to the branch anymore. When we first started banking in Visalia in 1989 we started an account at Wells Fargo just because it was the first bank we found, and I knew it was a mistake. Every single month our statement was fouled up! They had deposits wrong, always smaller than what we deposited. I never did hear an explanation of why this kept occurring.

So after about six months of a checking nightmare with these bozos we switched over to Coast Savings and Loan which later was taken over by another bank, but with them we never had even one problem. So we didn't go to the branch much anymore. When we closed the account we asked about the Safe Box and they said it was OK, considering what they'd put us through, it was OK to keep the box there without an account.

One day I was downtown where the bank was, and I stopped in my tracks and stared in wonder at the vacant lot where the bank had been. There were some workmen there getting ready to build something and I asked them, "Where did Wells Fargo go?" And they kind of laughed at me and said "It's down the street a few blocks". And indeed there was the new location of my bank branch. I asked my wife and we had never received notice the branch was moving probably because we only had a safe deposit box.

I went in the bank and took my key to the safe deposit window, I was glad to see they had my card on file and we went in to the area with the boxes, and the girl took me to a box with the same number as mine only it was the smallest box you can get instead of the very large box I had. She then said that's all there is. I explained to her about my box and she didn't have a clue what could have happened to my box. I had to go sit down, I felt faint and ill. I didn't raise my voice or become angry at all. I was just overwhelmed and the stress of the situation was completely taken physically by me.

Then this woman comes over, she was elderly and wearing a crooked little wig. She was immediately hostile to me and at first it took me a second to realize what was happening, I was in a fog and still felt like I was going to fall over. She really woke me up when she said, "We don't need your kind of people in this bank". Now you must realize, I was very well dressed and clean shaven. I wasn't acting drunk or on drugs. I explained to her that I was upset because they didn't seem to have my safe deposit box. She wanted my account number and when I didn't have one as we no longer had accounts there, she was openly hostile and venomous toward me.

I asked her if she had me confused with someone else, and she just mumbled something and sort of wandered away. I just sat there dumbfounded, and then she came back and renewed her attack, saying she was the assistant manager and if I didn't leave she would call the police. Perhaps my suit and tie clashed and that was what was upsetting her? About that time the original young woman came rushing overlooking very concerned that Mrs. Whackjob was hassling me, and she pleaded with the woman that I was a customer and that they had misplaced my safe deposit box, but they had now found it!

Relieved I followed her with Mrs. Whackjob following us mumbling things behind me, and they took me to my box and all was well. Yea! That's the most important part. They had two banks of boxes with duplicate numbers and the really big boxes didn't get used much so the girl didn't know. After checking all my stuff and on the way out the assistant manager (who I've meanly called Mrs. Whackjob) stopped me, barring my way, and said as I didn't have an account in their bank I would have to remove my safe deposit box right away. I assured her that I would do so immediately and made sure I wrote down her name.

I spent part of the afternoon on the phone to the corporate HQ of Wells Fargo explaining to them that they had a mental patient working as the assistant manager of their branch. I later received two letters of apology from the bank, carefully worded so as to avoid any admission of guilt. I swore I'd never deal with Wells Fargo Bank ever again, as they really sucked.

Then in 2009 my mom in Vallejo, California had a stroke in May and had passed away by October. Unfortunately for me, she had her checking account at Wells Fargo. I won't bore you with all the details but they put me and my mom through hell because she couldn't come into the bank, and even though I had full legal power of attorney which I provided them, they still made both our lives miserable just trying to cash a check or pay a few bills for her.

What we had to do was, I just paid everything out of my checking and then she later would reimburse me, things like that because we couldn't get through to the morons at the Vallejo branch that I had all the legal paperwork in order. My estate attorney told me they were famous for making it really hard to get the money in these cases, and in his opinion it wasn't because they were making sure relatives weren't ripping off elderly parents, but because of just stupidity and a desire to keep the money in their bank as long as possible. I'm not sure about that but they treated me and my mom both like **.

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Wells Fargo & Company
420 Montgomery St.
San Francisco, CA 94163
866-878-5865 (ph)
626-312-3015 (fax)
www.wellsfargo.com
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