“Horrible Fraud Protection”
I've been a long-time member with Wells Fargo. A few years ago I had similar issues as others on this forum with the overdraft fees. Fortunately I was able to get much of it reversed after a lot of hassle including writing a letter to the branch manager and threatening legal action (!). However, recently, I had my check card number stolen at a gas station - a ring of fraud in Vancouver, WA so beware Vancouverites - and received a call from the fraud hotline. My immediate reaction was anger and then relief that I had been called right away so they could close my account. Yeaaah right. The DID NOT close my account that day. They waited two more business days (and $500 more worth of money stolen from MY account) before they closed it. I was told in order to recoup the stolen money I would have to fill out fraud paperwork within a certain time-frame. Long story short, the paperwork and new bank card were never sent. When I called in to see what had happened I was given attitude, and when I went into a branch was told they can't fax the paperwork.
Needless to say there will be legal action this time. And I am never dealing with these fools again. Beware of Wells Fargo! They will steal your money in hidden fees and let other people steal it as well.
“overdraft fees, overdraft fees, overdraft fees”
I recently received over $300 in overdraft fees during a 48 hour period!
Unfortunately, an automatic debit payment and check I had written a couple weeks previously both cleared my account a couple days before my paycheck was directly deposited into my account. Having checked the balance of my account on Monday morning and found it in good standing ( a positive balance of over $300) I proceeded to make many small purchases over the next couple of days, with the knowledge that on Wednesday my paycheck would be directly deposited.
However, when I checked my account on Wednesday morning I discovered that five overdraft fees had been applied to my account. Instead of changing me overdraft fees for the two large withdrals Wells Fargo charged me a fee for every small withdral that cleared on the same day. The bank claims that the large deposits are processed first becasue they are the more important ones, but it seems that many banks do this kind of manipulation of transactions in order to be able to slap more overdraft fees on thier customers.
The follwoing morning 4 more overdraft fees appeared on my account even though my paycheck had already appeared in to account as well. This time the bank said the small withdrals had happened first. The bank was nice enough to send me an email letting me know about the overdraft fees on Thursday morning. If they can charge me overdraft fees immediately they should be able to send me an email in the same amount of time.
So my friends, don't overdraw your account at Wells Fargo.
“Overdraft happy”
They love charging $35 overdraft fees, $10 account maintenance fees, $5 account negative fees, and the list goes on and on. They also send different sales pitches by mail it seems almost weekly. They are always trying to upsell something else. Also, if you do happen to get into overdraft trouble, all the people on the phone tell you the same thing: I would love to help you out and reverse those fees, if it was up to me I would, but the computer won't let me do it. They all read from the same script. The people who work in the branches are friendly, but don't let it fool you.
“$350.00 in overdraft fees with over $1,000 in my account!”
Wells Fargo has been my primary bank for about 20 years. So it was deeply painful when a sequence of events played out in which I accessed three different bankers in two different branches (including the original one I had opened my accounts in) and two customer service agents only to get the same message: "There's nothing I can do about it."
"It" refers to the situation of my last day in Salinas, CA. I was relocating to the Oakland area after losing my employment and finding dead ends in the Monterey Bay area. Here is the sequence of events as they played out:
1) I was supposed to be able to move to my Oakland apartment on 2/15/10, but due to a mold issue, was not able to move in until 2/18/10 (no bathroom there);
2) My change of address forms officially kicked in on 2/15/10-my original move-in date-and subsequently, my unemployment check was delivered to my new address-two hours away from where I was.
3) I phoned a friend on 2/15/10, to deposit the check for me-which she did-and had it in the bank by 4:07 on 2/15/10 (keep an eye on that 7 minutes, as this has made all the difference);
4) At 9:20ish a.m., on 2/16/10, I also deposited 1,000 dollars in the form of a check. Total in my account as of 2/17/10: $1,940.00. (But of course did not post to my account until 2/17 10)
5) From the hours of 10:00 a.m. - 5:00 p.m. on 2/17/10, Wells Fargo hit me with 15 overdraft fees resulting in 350.00 of SERVICE FEES. Not Illegitimate purchases, as I had almost 2K in my bank account, but because they withheld not only the deposit from the day before (which was 7 minutes past the 4:00 p.m. witching hour) but also withheld my deposit from that morning, I was unable to have these charges dropped and they kept on ringing in throughout the day.
So this is where the lack of humanity became completely clear to me in regards to the savage customer service at this bank-which I and you have collectively bailed out.
I called customer service first. I received a very cold "There is nothing I can do abo
“No remedy for fraud”
After attempting to explain that someone else just changed my online preferences, the two departments could only say, but you have access now right.
They couldn't explain who changed the delivery preference, or understand why I cared who accessed it online yesterday.
Nancy and Lisa, you wasted my time. I was on hold for 30 minutes and the 4 minutes on speaking to you two was worthless. Oh and Lisa, thanks for hanging up on me after placing me on hold the second time.
Don't bank here. Even if you find a decent branch, calling this bank is awful.
“Great customer services”
They bankers are very friendly and know me by name. They take a small business approach to each transaction.
“Atrocious service after 18 years as a customer!”
I have been with Wells Fargo for 18 years. I recently deposited a cashiers check and a 9 business day hold was placed on it with the reason stated being that I had a new account; after 18 years? The funds from the cashier's check were cleared the same day I deposited it. I spent over an hour with online banking and the branch where I deposited the check but they refuse to remove the hold even though the funds have been released. I don't think Wells Fargo wants my business any more... I will be looking for a new bank and removing my funds the day the nine-day hold is up.
“Not good business practice!”
They can easily decrease your line of credit limit without even letting you know!
“Was with Wells Fargo since 1985”
By an oversite on my part my account had three small charges post to my account that overdrafted me a total of $6.60 a few days before payday. But then not only did I get charged a $35.00 fee for each, Wells Fargo took a bill pay payment out of my account overdrafting it even more and charging me another fee. Now at this point I am almost 260 over drawn and then they paid two more electronic payments that I had no money for and charged me 4 more charges.
When I called about the mess I was told that I couldnt get any of the fees waived because it wasnt a bank error and I didn't meet the critiera of any courtsey charges because I had had over 6 over drafts (no kidding they just charged me for 7) and that my average balance wasnt over 1,000 monthly for the year. Made no difference that I was banking there for 25 years.
But it gets better. Because Online banking allowed money to go out that wasnt there to pay out they reversed 3 charges. But get this, I didnt see a credit on my account, so after a couple of days I called. Last night in fact. Where I got a lecture about how I needed to watch my account and he said that the money wouldn't be given back and was sitting on someones desk to be approved. So after the lecture, etc I ask for a supervisor.
I get stuck on hold for almost 10 minutes only to find him come back and apologize for not seeing where I was credited the fees, and he and I try to see what the other is seeing and then I get this "Ohhh I forgot you don't see what we see". Which explains why the hell I can't trust the balances online.
I'm getting tired of Wells Fargo and all they want to do is collect $35.00 in overdraft charges when they are the ones who created them in the first place.
I'm probably going to go with Bank of America. They have a policy at if at the end of the day in posting if you re over drawn less than 10 they wont charge you any fees. And if you get your balance positive within 5 days of you being over drawn you don't get charged.
“College account for a reason...”
I've been having some problems with Wellsfargo. My first bad experience was when I had deposited a check in the bank branch, and two days later after I went shopping, and spent about half the money I deposited I had already received an overdraft fee. So I checked my account online to see where the problem was. The account only showed my spending and overdraft, but it did not show my deposit. So then I called the customer service, and the woman tried to tell me that I never deposited the money, and it doesn't show in my record....Just a bunch of nonsense. So I go looking through my credit card receipts, and I found the deposit receipt so I told her the verification number. She apologized and said it was the banks fault that I had indeed deposited the money. After she took care of this she put all my money into my account, and paid for the overdraft fee. I asked her to take off the overdraft fee so it did not show because I did not over draft. She told me she could not, but that it would not harm my account now. Well, almost a year has passed and what do you know I over drafted by 20 dollars. It was a misuderstanding between me and my mother, and she had used my credit card without my knowledge on a Friday, but that following Sunday I still had my money in my account so I used it. They charged me 140$!!!!!!!for overdrafting 20$!!!!!!That makes no sense. So I called them, and they said that they had already given me my "courtesy" overdraft fee paid off, and that they could not do it again..I have never overdrafted!Along with that when I deposited my paycheck it said that my balance was -90$. By tommorrow when it actually goes through I will hopefully have 40$ out of my 200$ if they do not come up with some other way to steal my money I am suppose to be using to pay off bills including college..thats why it is a college account! It's pretty ridiculous that Wellsfargo would rather screw me over with their mistakes just to make money. I want a bank thats for the consumer
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