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.
Their overdraft fees are excessive. They have just charged me three times, for a total of $105.00 on one overdraft, which, I might add was covered immediately. All that remains of a $488 deposit is $288, which means they milked $200 from my account. I e-mailed and called, but they, oh so sorrowfully and apologetically, refused to refund one single cent.
On another note, I had a personal loan with Wells Fargo. By arrangement, the monthly payment was deducted automatically from my checking account, which was fine. I noticed, however, that the final payment was not deducted on the due date. I thought perhaps this was because the due date fell on a weekend. But No, a couple of days later, I get a "This is an attempt to collect a debt" call. I explained that it was normal for payment to be automatically deducted, and after an "oh dear, let me check" I got "Oh, we dont deduct the last payment because it's a different amount."Well it would have been nice if someone had told me. I arranged for payment and, gues what, the next day I get a second call - I held my tempter and told of the previous call and arrangement, and after a brief check by the caller, there were PROFUSE apologies. Oh yes, there it was, so sorry, so sorry. Why the hell didnt they check BEFORE bothering me.
Wells Fargo tries to convey the impression of sincerity and caring - That is BS, they are cold, heartless bankers, nothing more or less.
wells fargo was VERY enticing. after being approached every week for about, oh 6months, i finally decided to open up a bank account. a checking account, bank statements, a check book to keep up with. sounds magnificent. i mean hello, EVERYONE HAS A BANK ACCOUNT! Right?! WRONG!! biggest mistake of MY LIFE.
i was working as a waitress, my husband and i never really used our account for the first 6weeks. one day, i decided to deposit my tips into my account before my dinner shift (i did not want to misplace any loose cash that evening) anyways, i could not figure out why i wasn't able to do a cash deposit. i went inside. only to be informed that I CANNOT MAKE CASH DEPOSITS! what the HECK is that?! only after 1 year of banking with wells fargo would i have THAT luxury.
about a month later (august), my husband and i were visiting a friend when he received an email for a $200 bounced check (we didnt have it in our account because, remember, we can't do cash deposits so we just used our cash not our checks or cards) after calling the bank and being informed someone had stolen our info we reported it and got all new information.
our account was not corrected and able to use until DECEMBER. when my husband was in school, they closed his card because it "seemed it could have possibly been a fraudulent charge" because his school was an HOUR away. now, i'd have to run back and forth constantly to give him cash.
april- with a $1300 deposit, my husband withdrew $1150. he was going out of town and since we dont have an exceptional track record we agreed that was our best bet. after multiple failed attempts to purchase a $75 bus ticket we have an overdrafted account due to FIVE GREYHOUND TRANSACTIONS (greyhound has NO proof of purchase) leaving our account -$225. today, my account is ANOTHER $68 NEGATIVE. please remember, we havent used out cards because we have CASH.
***THEY WILL STEAL YOUR MONEY AND NOT REFUND IT. PLEASE BEWARE!!!!