I initially got Wells Fargo because I had Wachovia and it got absorbed by them. They have, without a doubt, the worst mobile app. Their overdraft protection services are ridiculous. When you call their customer service line, they make you feel like a liar. For example, I had two checking accounts because my direct deposit was still linked to one I was in the process of getting rid of, and I had overdraft protection linked from my savings to my newer account, and had thought I set it up for my older checking account that had the direct deposit going to it. Apparently you can't have 2 accounts and have both protected by the same Savings account. Okay, that's ridiculous, but fine I suppose, honest mistake. I truly thought they linked up any accounts you might have. The guy on the phone did not believe me at all, it was hilarious. I was awestruck at how unprofessional he, and those that helped prior were.
It's fine, whatever, keep your fees. That's why I closed my account today. I had overdraft protection linked to my credit card, I don't ever keep more than around $100 in my checking, so when it was empty and I bought an iphone app, it was even more awesome to find they charged me a "$25 overdraft protection fee" to use my credit card to pay for 2 seperate $1 apps. After it was all said and done I had paid 4 overdraft protection service fees for 2 items. Total: $75. Most expensive angry bird game I have ever bought in my life thanks to Wells Fargo. That's gas for an entire month for me. And of course, they will not reverse the charges, or at least give me just one overdraft protection fee. Opened my new account at ING today and will never be looking back. Fucking ridiculous.
Since i know this will not be posted i will just say what happened for me. I went to the bank with a check that i was not sure of. I asked the teller to check on the check to make sure that the check was in fact a good check. I know that the bank has a number that they can call to see if any other fraud movement has been received on an account. The teller i found out later did not do a check so i asked but rather waited a few moments and and tell me that the check was fine and would clear.
The next day again before i would take any money i asked again if they had in fact contacted the bank fraud department. That teller said let me check on that for you. After more than 2 1/2 hours shr found out that the check was in fact not been checked on and was a bad check that had been written before for 400. 00 to pay someone rent.
Even though i asked for this to be checked on before being deposited i was charged 12. 00 unpaid check fee, 12. 50 overdraft fee, and 11. 00 taken for my savings. I i had 14. 99 in my account 10. 00 to cover the monthly fees. The 11. 00 they used to cover part of the 12. 50 and 12. 00 and then took the rest from a 19. 75 direct deposit that was made from an employer. The account is being closed and i am being called a scammer for something i brought to the banks attention. All this because the bank does not want to admit that they made a mistake.
My husband's company uses WF for payroll and THAT is the ONLY reason we opened our account there. We opened an account to be "close" to the source of our bi weekly funds. Needless to say from the beginning I have not been happy. For one, I was fraud ed in a different state which made me non qualified to be on the account. My husband was the sole account holder which is scary when you think of what could happen if he died. My husband went on a trip at the beginning of Feb- debit/credit card had multiple issues - intrastate usage locks, limit locks, etc. Before my husband left (2 weeks) he was approved for a "Secured" credit card and verbally agreed to a max limit of $700.00. The $700 was taken from his account the week of his trip leaving his account short. I represented him in his absence and received nothing but excuses..no resolution. Upon returning home my husband unequivocally requested that the secured card be revoked/cancelled since WF had the $700 and we had no card anyways PLUS the fees were outrageous.
We are ONE MONTH later and WF is STILL messing with that $700.00. We have seen OD transfers from our savings without prior consent...because the alleged "memo posted" $700 is not reflecting on our balance.
We are headed there NOW to address this issue ONCE and for all! I am sick to my stomach at the lack of follow thru and respect to people. My husband works in the oil field - 90+ hours a week and on occasion he even gets "turned away" at WF when he wanted to talk to his bank rep Wade. I thought I was getting somewhere with bank manager Chris - but not at this point. My emails and phone calls have been ignored even though all have been made on my busy husband's behalf.
This WF location that we are having POOR experience with is in Loveland, CO - at Centerra. We are VERY disappointed in this issue...VERY! :( I would not recommend this bank to anyone.