I am not sure if I qualify to comment here as Well Fargo is my home mortgage provider, but in any case they keep encouraging me to open a bank account with them, so here goes. I made a mortgage payment of 500 dollars one week in person by check at their Cherry Road branch. The next week I made the remaining payment for the mortgage in their Main St. Rock Hill Branch. This was $655 total 55 for a late penalty fee. Over the next few weeks I still received notices that I was two months behind & that foreclosure could happen. I called their number numerous times & when I finally got through was told that money was in an "escrow" account for "taxes." This acct. now has 1600 dollars in it. Taxes on my house, due months from now are several hundred dollars if that. Anyway, I was then informed that the money "may or may not" be able to be retrieved and applied back to my mortgage payment. I have been on the phone for two days demanding that my money be placed where I had the teller place it & I have the receipt to prove it should go toward the mortgage payment. At the main branch, managers when you deal with them, simply must go through the same hassle with voice messaging & are basically powerless to help you. I work very hard for my money as I am self-employed. I do not like the arbitrary attitude of this "bank," nor the fact that what happened to my money was told to me rather grudgingly and after much time wasted. Working for myself, this is more time and money wasted & for what? I would never open an account with WF for all the money in the world.
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