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Wells Fargo Customer Review

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JessicaNealer's Profile Image

2 out of 5 marks

Reviewed by JessicaNealer

Jan 15th 2013

Worst experience. Very disappointing

I have been with Wells Fargo for over a year now and the entire experience has been very trying. I am displeased in so many ways I cant even think where to begin. I opened a Wells Fargo account when I moved out of state as it was located conviently to my new residence. The customer service is very poor; both corporate and in store. They have more service fees than any other bank I have been with. They are constantly trying to get you to add services but give very little attention to your needs or concerns. I will be closing my account as soon as I'm able to find a more suitable bank. I would recommend anyone who think about banking with Wells Fargo to really look into it.

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Andrew L's Profile Image

Reviewed by Andrew L

Aug 22nd 2008

4 out of 5 marks

Wachovia

Great bank with a multiplicity of options. As a student, I appreciated the overdraft program which gives you a 'cushion' of credit for overdraft protection instead of innumerable fees.

There are definitely other reasons to use Wachovia, such as availability of ATMs, (almost) free-checking, etc. But these are the main benefits.

Is this review helpful? ▲ Yes 5 ▼ No 3

chrisdsl's Profile Image

Reviewed by chrisdsl

Apr 1st 2014

1 out of 5 marks

So bad I would have laughed but I was too pissed off!

My boyfriend and I applied for a mortgage on a $225K townhome in Tucson. My credit score is 798 and his is over 800. We're both in our 60's, retired, never had a bad debt in our lives. I own free and clear approx. $2.5M of real estate and have liquid assets of over $1M. My only debt is $258K on a condo worth $345K that my son lives in - I financed it at 3.45% because I could do better in the stock market. My boyfriend owned a home worth $215K that he had a $30K heloc out on and was planning to take out another $22.5K to pay his half of the down pmt. His house was on the market at the time and he told them the heloc would be paid off when it sold (which it did last month).

Our loan officer said we would have no problem qualifying with a 20% down payment. 5 days before closing, he said that underwriting was "concerned" that our income wouldn't support our debt and that we would have to put 25% down. Other than the condo and the heloc mentioned above, we have no debt. We each have a couple credit cards that we pay off each month. The loan officer said monthly bills count and I pointed out that my approx. $10K of monthly bills are paid on time every month. We delayed the closing a week.

A few days before the 2nd scheduled closing, he called and explained that underwriting wasn't "happy" with my boyfriend's share of the down pmt coming from his heloc and that we would have to put 35% down, submit copies of all of our credit card statements for the past 6 months (because I disputed that we were ever late paying them off) and that we would have to delay closing for about 10 more days. I told him to stick it. We paid cash.

I work for a realtor who had WF as their in-house lender until last year when they switched to a broker because WF couldn't close consistently on time.

Why anyone would work with Wells Fargo is a mystery to me. A good rate and reasonable loan costs aren't good for anything if you don't get the loan. Ridiculous.

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