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Wells Fargo Customer Review

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rlk2013's Profile Image

2 out of 5 marks

Reviewed by rlk2013

Jan 4th 2013

Confusion Rules The Bank. We Get Conflicting Answers And Poor Service. I Would Not Recommend This Bank Keep Looking.

We went into a branch to discuss the changing our checking account level with a banker. After waiting a couple of weeks i went in to close the old accounts. Found out the new checks were not ordered accounts were not linked as we had been told they were. For five months we have needed to contact the bank because of fees being charged that should not be. We do not get an answer as to why we are charged, just the list of requirements to avoid fees. Today we were told the $10,000 monthly balance, is a $10,000 monthly deposit. I would be rotfl if it was't our money. This same banker changed our account level without our approval. We now have to wait to get it corrected. While we have been wf customers for many years the quality our service from wf has been in a study decline. We will not be using wf any longer than to fix the current mess the bankers have made. There have been some good bankers out there, but too many are not to stay.

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Andrew L's Profile Image

Reviewed by Andrew L

Aug 22nd 2008

4 out of 5 marks

Wachovia

Great bank with a multiplicity of options. As a student, I appreciated the overdraft program which gives you a 'cushion' of credit for overdraft protection instead of innumerable fees.

There are definitely other reasons to use Wachovia, such as availability of ATMs, (almost) free-checking, etc. But these are the main benefits.

Is this review helpful? ▲ Yes 5 ▼ No 3

chrisdsl's Profile Image

Reviewed by chrisdsl

Apr 1st 2014

1 out of 5 marks

So bad I would have laughed but I was too pissed off!

My boyfriend and I applied for a mortgage on a $225K townhome in Tucson. My credit score is 798 and his is over 800. We're both in our 60's, retired, never had a bad debt in our lives. I own free and clear approx. $2.5M of real estate and have liquid assets of over $1M. My only debt is $258K on a condo worth $345K that my son lives in - I financed it at 3.45% because I could do better in the stock market. My boyfriend owned a home worth $215K that he had a $30K heloc out on and was planning to take out another $22.5K to pay his half of the down pmt. His house was on the market at the time and he told them the heloc would be paid off when it sold (which it did last month).

Our loan officer said we would have no problem qualifying with a 20% down payment. 5 days before closing, he said that underwriting was "concerned" that our income wouldn't support our debt and that we would have to put 25% down. Other than the condo and the heloc mentioned above, we have no debt. We each have a couple credit cards that we pay off each month. The loan officer said monthly bills count and I pointed out that my approx. $10K of monthly bills are paid on time every month. We delayed the closing a week.

A few days before the 2nd scheduled closing, he called and explained that underwriting wasn't "happy" with my boyfriend's share of the down pmt coming from his heloc and that we would have to put 35% down, submit copies of all of our credit card statements for the past 6 months (because I disputed that we were ever late paying them off) and that we would have to delay closing for about 10 more days. I told him to stick it. We paid cash.

I work for a realtor who had WF as their in-house lender until last year when they switched to a broker because WF couldn't close consistently on time.

Why anyone would work with Wells Fargo is a mystery to me. A good rate and reasonable loan costs aren't good for anything if you don't get the loan. Ridiculous.

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