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 checked my bank account online and had seen that I had received three overdraft charges of $35 each within 20 minutes for three small purchases. I called because I work for a non profit and am paid on a stipend so those charges I couldn't even afford over $100 in penalties. I called and explained my situation, and that I have been a loyal customer for over 8 years in good standing. The representative told me that I shouldn't be spending money that I didn't have, and that was my responsibility to check in between purchases, not there's. They kept insisting there was nothing they could do, even when I said I couldn't afford to keep my account with Wells Fargo. I did not feel like a "valued customer" at all and plan on closing my account.
Do not do business with Wells Fargo. They are like a siren's song. It sounds good at first, but once you need service, they will disrespect and abandon you to the brink of financial ruin. If you are 100% confident you will never need a loan modification, to refinance, miss one payment, or ever need to speak on the phone with someone who will treat you as a valued customer, then try your luck.
As for me, I was blessed to have family help me with my payments to the loan sharks, I mean Wells Fargo, during my lay-off and I paid them off and feel so relieved I do not do business with them anymore. Ultimately, if they had been sweet and understanding about my situation but not be able to assist me with loan modification, refinancing, or payment schedule; then I would have understood, but it was the nasty dehumanizing way their reps talked to me that inspired me to write this review - "if you cannot afford the loan we don't want your business." They don't even have a customer feedback tab on their website which let's you know they do not give a DAMN about providing customer service. They are worse than Chase.