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 received a letter from Wells Fargo stating they were removing over $300 from my account stating Bank Error as the reason. I have been calling and asking for explanation for over 3 months with no success. If it is valid, so be it, however I would like proof and an option to understand and if necessary dispute. UNACCEPTABLE. I also asked for information on a home equity line of credit. Before I knew what was happening, they had pulled my and my fiancee's credit report, without permission or even a signature. All I wanted was information on the product to compare to other options. That ,of course, dinged both our credit scores for no reason;as it happens , their rates were much higher than what we already had.
We were trying to consolidate our debts in one loan so we could managed better our finances.
My wife and my daughter had both of them major "Brain" surgeries in a time frame of less than one year.
This type of medical procedures requires a lot of money. One of the most expensive in the health industry.
For my daughter we were charge $160,000 and for my wife $ 65,000. My health plan payed 90% of this charges leaving us with a balance of thousands of dollars to pay to the hospital and of course every time they did an MRI to both of them the charge was $350.00 for each and an MRI was done every 2 weeks to monitor the recovery from the brain surgery.
All of this added a balance to my credit cards of thousand of dollars, $ 45,000.00 to be more exact and this is why we try to use the services of Wells Fargo Bank applying for a debt consolidation loan.
We will never again go to Wells Fargo bank.
First they did not wanted to give us a loan for this amount because we were new customers and they did not know us, even with excelent credit score like the one I have.
Second the loan amount offered to us was with an interest rate of 15% when my credit cards the highest interest rate is 11%, I had to turn down the offer of lousy low loan with a very high interest rate, leaving us with 2 credit cards to pay plus the Wells Fargo loan, they are crazy or the people in charge of analyzing the loan applications don't know what they are doing, fire alll of them, you will be doing better Wells Fargo..