My mother helped me open a bank account with wells fargo when i was 12 years old. For years, it was the best bank around. There were no surprise fees, no problems with my deposits, and no trouble whatsoever to get an overdraft fee rescinded, even if the overdraft was my fault! I was so grateful to them for their efforts to keep my banking experience hassle-free and inexpensive. Not anymore. It's been twelve years since i opened my account, and the last couple of years have seen the bank go into a downward spiral.
I don't know what the issue is! Suddenly they tell me i have to pay a fee, but they never tell me when said fee will be deducted. I get an overdraft and have to fight tooth and nail just to get half of my money back, and get my account switched to the kind where you have to use your debit card ten times a month for it to stay free. I don't like this uncertainty. I just know this is going to lead to more overdrafts, especially with the way my wf online never seems to accurately portray my spending history, and how unreliable they've become regarding deposits. What happened to the xbox live charge that showed up yesterday?
Why, pray tell, am i unable to access my own money for days after i deposit it? There is no excuse. Just today, i had to leave my boyfriend at a restaurant and drive to the atm because the transaction failed. Money in my account, nothing wrong with my debit card... What's the problem here? My level of customer satisfaction has plummeted to the point where i'm pretty sure it's underground. And i just want to strangle the tellers when they give me that fake smile after i ask what's going on and they tell me there's nothing they can do, have a nice day!
I had plenty of money in my account and today tried to buy online some new appliances for our kitchen thru Sears.com. The charge was declined. I was so upset. I called WF customer service and they said "well you were trying to make a big purchase, so the computer declined the authorization". I was really mad and told the guy on the phone I had plenty of money in our account and why????? He said my card was now on hold, but he released it and if I had not have called and I had gone to the grocery store or gas station all charges would have been declined.
I told him in no uncertain terms that was crap and what do I need to do to not let this happen again as we are in the middle of a remodel on our house. He said "sorry even if you call ahead of time the computer will decline any large charges".
This is not the first time they have embarrassed me and husband for trying to purchase large items. One other time I tried to pay for $200 worth of gas for our boat and it was declined and there was 25K in the bank. If my SS and husbands retirement were not direct deposited along with utility bills automatically take out each month I would tell this bank to kiss my big fat behind.
I went to WF at washington st in santa clara (corner la fayette and benton) on jan 28, 2015 at approximately 4:30. A bank staff approached me by the name of maninag akkapeddi asking for the purpose of my visit. I told her i need to wire funds and asked how i could waive the associated fees. She indicated that if we have $250,000 or more in our accounts, waiving the fees is possible. I told her that my husband and i had more than a total of $250k, then she referred me to another employee by the name of pritpal kaur. Pritpal immediately indicated that wiring fees are never waived.
I told her that maninag earlier indicated that the fees could be waived if the $250k condition is met. It turned out that maninag misinformed me and according to pritpal, the only fees that could be waived are incoming wires, not outgoing. They may be right but customer service skills of both these employees are pathetic, they acted not to be helpful at all. I understand that they are in no position to waive fees but they both did not even bother to try.
I asked for the branch manager thinking that the manager may have the authority but both indicated that they did not have their manager on site. I left the branch frustrated thinking how could a business operate without an individual of authority able to decide? While the manager may not be present 100 percent of the time, shouldn't there be an assistant or another individual to whom the branch manager may have delegated his/her authority?
After i left this branch annoyed and frustrated, i went to wf branch in el camino and scott in santa clara. On a positive note, this branch was exactly the opposite of washington st. Branch. A staff, vangie pascual immediately assisted. I told her that i need to wire funds but would like to check if the related fees could be waived. She indicated that she will check with the mgr. The mgr approached me personally and took time to listen to my needs. Champs nguyen is a true 'champ' and worth of recognition