So I go to pay a personal loan today and Wells Fargo gives me a popup that I have to pay it at a different site. So I go to the new site and try to register, but it wants my account number. I don't have the bill's account number because Wells Fargo does not mail or email me statements. After 20 minutes, however, I find that the bill is linked through my wife's Wells Fargo account and I can pay it there... theoretically. The problem is, I can pay a bill through her account with her checking or with a non-Wells Fargo account, but not my separate Wells Fargo account. Another 15 minutes of researching wasted.
So then I get the bright idea to call, but you can't do a thing unless you have the account number. So I log back into my wife's acct, get the #, and press option 5 to get info on paying my bill online. Big mistake, cause the recording basically says, "Log in and pay your bill stupid." Obviously nobody would call and waste 5 minutes to hear that. After another 5 minutes, I finally get someone on the line to tell me, "You called the wrong number and the branch you want is 866-xxx-xxxx." So yet another 5 minutes, 4 different options, and finally I get a recording that they're closed. Wonderful....I just wasted a full hour trying to complete a 5 second task.
So that brings me to a question...if a company doesn't bill me, refuses to take my money after 6 or 7 diligent tries, and refuses to try to help me pay my bill, do I still have to legally pay it?
Wells Fargo has to be the worst bank ever and they could care less about their customers. Like so many others here, my accounts were bought out by them or I never would have become a customer to begin with. If you're considering a new bank for your financial needs, pick a small local bank where customer service still actually exists. Wells Fargo represents everything that's wrong with corporate America and they could care less about you.
I'm so disappointed with Wells Fargo. I started my first account as a 16 yr old in 1993, I've been a stellar customer for the past 23 years. I made a $2000 online loan payment, and accidentally withdrew money from my Wells Fargo account, resulting in an overdraft of about $500. Realizing my mistake, I called immediately to the bank to report my error. Was the overdraft fee reimbursed to my account??....I'll give you three guesses. And don't even get me started on my personal Wells Fargo credit card. It's terrible. Foreign fees, poor rewards program, always changing policies. The first five years were nice, but my marriage to Wells Fargo is over, I'm taking my checking account and my 780 credit score somewhere else. Believe me, don't burden yourself with Wells Fargo, they will cost you, time and money both.
I won't get into it too much, but I am so frustrated with Wells Fargo. I had money fraudulently taken out of my checking account from an online merchant (rhymes with BayPal) several months ago. After HOURS on the phone with customer service reps, at least 4 who all gave me completely different answers to my questions, I opened up a new account but was convinced to simply "freeze" the old account. I was told there was no way charges would be authorized from the old account number from now on. Well, wouldn't you know, the exact same thing happened again the other day. This time customer service was not only extremely rude, yelling at me and telling me I couldn't speak with a different manager, that I had to deal with her on the phone. Then when I insisted, she said she would transfer me, but simply put me back to the very beginning of the phone tree. I spoke with a different manager who was plain apathetic. He didn't care that I was upset, did not resolve anything, and basically gave me his blessing to go to another bank. That, I will. I miss Wachovia's customer service, even if they were lacking in other ways.