Since my account was taken over from Wachovia, I spent hours on the phone trying to correct their constant mistakes. You get excuses, occassional I'm sorry but no corrections unless you contact the corporate office directly (if you can get through.) The local offices try to help but have no authority. On a scale of 1-10 it's a zero! Customer service staff is rude and poorly trained. Account mistakes occur almost every month. On one occassion a checking account was opened in my name without my approval authorization or signature. It took three months to undue the damage although they admitted it was their fault. Promises are broken as quickly as they are made. My account was charged fees which were incorrect and again three months to remove them. I cringe each time I receive a statement knowing that if there is an error (and there often is) I will spend hours on the phone with rude "supervisors" before any action is taken to resolve it.
I checked my bank account online and had seen that I had received three overdraft charges of $35 each within 20 minutes for three small purchases. I called because I work for a non profit and am paid on a stipend so those charges I couldn't even afford over $100 in penalties. I called and explained my situation, and that I have been a loyal customer for over 8 years in good standing. The representative told me that I shouldn't be spending money that I didn't have, and that was my responsibility to check in between purchases, not there's. They kept insisting there was nothing they could do, even when I said I couldn't afford to keep my account with Wells Fargo. I did not feel like a "valued customer" at all and plan on closing my account.
Do not do business with Wells Fargo. They are like a siren's song. It sounds good at first, but once you need service, they will disrespect and abandon you to the brink of financial ruin. If you are 100% confident you will never need a loan modification, to refinance, miss one payment, or ever need to speak on the phone with someone who will treat you as a valued customer, then try your luck.
As for me, I was blessed to have family help me with my payments to the loan sharks, I mean Wells Fargo, during my lay-off and I paid them off and feel so relieved I do not do business with them anymore. Ultimately, if they had been sweet and understanding about my situation but not be able to assist me with loan modification, refinancing, or payment schedule; then I would have understood, but it was the nasty dehumanizing way their reps talked to me that inspired me to write this review - "if you cannot afford the loan we don't want your business." They don't even have a customer feedback tab on their website which let's you know they do not give a DAMN about providing customer service. They are worse than Chase.