Wells Fargo
reviews and complaints

Wells Fargo should be investigated by the US government, They are ripping us off.
Here's how they rip people off every day and make millions off of us.

Let's say you go out and use your bank card and make purchases at 15 locations in 2 days. Okay now you having pending charges for 15 purchases. That money has now been set aside for for those 15 purchases. You can no longer touch that money. But the bank can use for what they want.

Here's where they are ripping us all off! If you have a electronic check go through your account, They bump it to the front of the line. They take back that pending money and use it on the check, Then they charge you a bounce charge for all the 15 items that were pending. Instead of charging you for the 1 check they get shady and use that pending money you can't touch. That can add up to $525 in fees. That's a car payment, food, bills...
So how do they get away with taking that money from the Pending charges that you can't use for anything else and use it themselves for something other then what it's already pending for?

So they are making Hundreds of Millions of Dollars off of us and what is our government doing about it? Nothing. And in today's times with money being tight, It sucks to be ripped off by our own banks.
These banks should be forced to pay back all the money they have been stealing for years.

David Snelling
California

I will agree that the account is overdue, but Wells Fargo took a payment from my checking account without my permission and it set me back about $800.00. I am without any money this week because once my check was deposited in the bank, the overdraft fees ate it all. Then I had to go get money from somewhere else to deposit so funds would be there to cover transactions that were already scheduled to come out. They wouldn't even try to expediate the return so I wouldn't incur anymore overdrafts. I am literally broke this week and there is no food in my house and I will have to borrow money to get to work next week. Wells Fargo is full of it.

For all the people that have accounts with Wachovia, and you have a credit card debit taken out every month (going to Wachovia) you might want to pay attention to this. I have 3 credit cards that I have done this way. I have it setup to pay a certain amount every month, Wachovia pays them, I don't have to mess with it. THIS is what I want you to PAY ATTENTION TO. I checked out one of my credit cards and there was a problem. I went back to the top of the page and clicked on HISTORICAL statements. Guess what came up? My Wachovia BANK STATEMENT. I was in shock. I could not believe what I was seeing. My credit card company had NO BUSINESS looking at my bank statement. It looked just like the one I pull up any time I want to including whom I have paid and who has paid me. I called Wachovia and they said they had no control over that. I would have to contact the credit card company.
I had never seen a page or site or whatever it's referred to as that my bank statements were on. All around the page were sites you could go into. It looked like they were selling peoples (my) information. I really don't know. I had to look many hours to find that information. Has anyone else seen this? If anyone know's
what I saw, please contact me. I call it an invasion of my privacy. But, what in the world are these people doing with it? If you know any thing about this, please contact me: [protected]@bellsouth.net Thanks, saszy

wells fargo is a over draft excuse bank. if your account is in the negative, they will let a charge go through thuss incurring a additional 35.00 charge. do not bank with them. i will be switching to bank of america.

I bought an Isuzu Trooper for my daughter and financed it thought Wells Fargo. Near the first of the '09 I refinanced the vehicle for her financial convenience. This adjustment was with the branch in Cookeville, TN.

During this procedure I asked the manager about financing my Honda which was paid for with a ARM. Because of a disputed account on my Credit Report I requested this process be put on hold until I could complete the removal process. I never contacted Wells Fargo again due to the change since management had changed hands.

The account on the Isuzu has my Honda listed as the financed vehicle ... My Honda cost $16, 000 so it is not included in the single account of $5000 financed on the Isuzu. I am eager to have this corrected. I talked with someone about this problem last month and they avowed to have it corrected by this month. . . It is not and I am not comfortable with making a payment on a loan that is incorrect on many levels. I am confident the late fees will be removed and a correction will made.

We called Wells Fargo for a Refinace .Was told right off before we got into anything else that they could lower our bill 40 a month without the closing of [protected] bucks .free
sounded good for paying noting but it would of started our mortgage all over again all them years lost .Was Going from 6.3 to 6.2 .WTF .The cost to us would of been $26, 000 for the $40 a month savings of $2, 400 .I can't belive this is going on after all that is happing in this country from this type of stuff we learn noting. It is why this hard republican looks and say to them dem do what what ever you like to these people .I will not stop you I'm to mad.

Wells Fargo is the worst bank. Depending on who you get on the phone - you get a different answer from every person. My father banked at Wells Fargo for over 20 years and I am named after him - Jr. and the III. They couldn't keep us straight EVER. I was added to his accounts when he got sick so that could handle the estate when he passed. After he passed, Wells Fargo made life as difficult as possible. There was a line of credit associated with the house that they insisted be paid off but the estate was in probate. I arranged to make monthly payments on it and they agreed but then they sent the payments to collections and charged me late fees that were 3x the amount owed (Ex: I had three payments of $68 to pay it off in 1 month and they charged me an $80 late fee for it - AFTER I had arranged to pay it off with one of their customer representatives). I probably spoke to 20 customer reps about the estate and the probate issues and I swear I got a different answer depending on the person I spoke to. They sent a bunch of correspondence which said this was taken care of and closed but then came back 2 mos later and said we owed money on it. They are the worst - I'm never banking with them ever again and I can only advise others to not do so as well. They are completely incompetent.

On Tuesday June 9, 2009 in the morning I had a call from my daughter asking me if I have withdrawn money from her account. She explained that her checks have been returned by Wells Fargo Bank due to insufficient funds. I assured her that I have not withdrawn any money from her accounts and will call the Bank to find out what is going-on. However, before calling Bank I check my accounts on the website and was shocked to find out all my accounts have been frozen and showing zero balance while I had several thousands of dollars in them. I called Wells Fargo Bank and requested an explanation. They told me this is a court order and there is really nothing they can do. Bank told me that in addition to your accounts all your family accounts with the same last names have also been frozen. I told her, as a courtesy to your PMA and long term customer you should have informed me of the situation and ask for an explanation prior to freezing my accounts. Again, she repeated there is nothing she could do. The only thing she did was giving me name of the plaintiff’s attorney who obtained the court order against my accounts.

I called the plaintiff’s attorney and asked him why I have been sued, telling him that I do not know anything about the case and I am not the person you are looking for. Also mentioned that my social security number does not match with the person who has been sued. He was then convinced, called Wells Fargo Bank and released my accounts.

Sine then, I have called Wells Fargo Bank’s Complain Department, Executive Office and even talked to the Branch Manager and requested a good explanation as why Bank blocked my family and my accounts without even bothering to check the social security number and date of birth prior to taking any actions against a loyal customer. They have given no good explanation or sincere apology since then.

Let me tell you another story. This happened to me several years ago. One day I check my accounts on the Bank website and realized that $10, 000 has been withdrawn from my checking account. When I called the Bank they told me that you have written two $5, 000 checks a few days ago. I requested copies of checks be sent to me. After receiving the checks I realized that neither checks, nor the signatures are mine. Interestingly, I still had those two checks with the numbers in my check book. Money was refunded, but no apology again.

This clearly indicates Wells Fargo lack of attention to details and sufficient customer care. I was lucky did not lost any money but each time I had to prove to the Bank that I am not guilty rather than being assumed innocent. I was also emotionally devastated each time until the issues were resolved.

Well, I will be taking my business somewhere else. Enough is enough. However, I like to take an action against reckless Wells Fargo Bank for emotional damage. Anybody knows where to start? Is there any government organization that can look in to these issues?

Thank you

I was a Credit Manager for Wells Fargo Financial for almost 2 1/2 years, and I cannot believe I stayed that long. In the time I was there, I had gone through 2 managers, 2 DM's, 2 RM's, and maybe 15 other Credit Managers whom which either were fired, quit, or made-to-quit.

I should have known I was stepping into a bad career when within the first 2 months, I had already seen 3 employees quit, one in which started after I begun working, only to leave about a month later.

My first manager was dishonest about everything from money to be made, job satisfaction, and even to the customers. He told me I would be making $60k a year, loving life, enjoying a fun work place. After the fact, my starting salary was $30k, and my bonuses couldn't ever be more than $2500, and that was if you ended up closing 4 or more mortgages, which we all know, in that place, is nearly impossible to do on a consistent basis. Some people did it, but just found out they were fired for manipulation of data and forging signatures!

I was working far more than the 40 hours I was told I would work, and never got paid overtime. I confronted my manager after 2 months and asked about overtime in front of the other employees (they had told me we won't ever be paid OT), and he pulled me in the booth (I'm sure we've all been in there at some point), and screamed at for bringing up that subject with everyone around. And it never got resolved.

A few months later, he was fired because so many employees had resigned and complained about him, only to be replaced by someone with a bigger ego that him.

At first, we all were excited to have someone fresh to the office who would give us some good direction. However, he belittled everyone who was working there, not only in front of the whole office, but outside of work too. We would get harassed for not going out to drink with him after work or the weekends (he just got a DUI a few months ago). My best friend just got laid off there by him, right as he was leaving for vacation. Taking PTO was like pulling teeth. I felt like I could never take a vacation because it was too nerve-racking to hear what his response would be.

Onto the products and loans. I have never seen so many high-rate credit cards in my life, with annual fees on top of that! We were made to sell so many of them, all to people with enough credit card debt to force them into bankruptcy. I felt sick everyday because I would have to sell people things I knew wouldn't benefit them. Granted, some loans were the only thing they would have left, but come on, 4 points on every mortgage sold to customers. And auto loans that would leave these people stuck in their cars they thought they could get rid of. And the rates on the mortgages were outrageous! I would never refi my house will Wells, even if it were the last place I could go.

Now that I have a new job, in a completely different field, I have been so much happier, and everyone can tell. I hope whoever works at Wells never has the experience I had, and the majority of the other people who are still working there too.

I had refinanced my house with Wells Fargo about 4 years ago. There were red flags that I should have seen when I went through their loan center in Nashville. A 'loan officer' there was always pushing us to go with a 30 year mortgage when we wanted a 15. My husband and I went with them anyway and signed the paperwork for a 15. When interest rates went down, we asked the same 'loan center' about getting a better rate than 8% and that Bank of America could give us 7%. The loan officer said he could do better than that but said he couldn't discuss details over the phone and to come to Nashville. We live about 60 miles away and had to leave work early to make the trip. After a lot of beating around the bush, the 'loan officer' (some young guy fresh out of college) said the best they could do was 10%. Our jaws dropped and we left out of there in quite a huff. Unfortunately, we had credit cards with them, which they decided to raise the interest rate from 12% to 17 %.

Late last year we finally refinanced our house with Bank of America at a rate of 5.5% and they gave us a 12% non-collateralized loan of nearly $50, 000 to pay down some other debts. When we asked Wells Fargo for a non-collateralized loan, they pretty much laughed at us and said we'd never get even $20, 000 from anyone unless we put up our house as collateral. Wells Fargo is full of it and I will never ever use any of their products again.

my girlfriend got $27, 000 from social security back pay. the money was set up in a checking and savings account. she was issued a bank check card(atm). the pin was sent seperately. my girlfriend's roommate retrieved the pin # from the mail. she never knew it came. when she checked her statements over $7000 was withdrawn from her accounts. my girlfriend immediately called the police and the bank. she changed her pin and was issued a new card. she got the new card and memorized the pin # then two weeks later she changed it. when she received another statement she had $1800 remaining. she called the police and the bank again. the police said thet wachovia was not cooperating with their investigation and they couldn't arrest her roommate. apparently he goes into her wallet while she was sleeping and hit the atm between 1-4am. she wanted to know how he knew the new pin #. he called the bank and said he was her husband and without any id or verification they gave him the new pin #. he stole over $24, 000 and is still walking the streets, because wachovia would not release statements or cooperate with the police department. it should have been an open and shut case, because all atm machines have video cameras. even though the money is fdic insured. she was not received a penny of the money back and it has been well over a year now. this happened in austin texas and her roommate was a fat ### named david reynolds. if the cops don't find you, i will...

Hello my name is rodney miller, I got a 07 van from a dealer in ga and was finance with wells fargo at closing I sign for gap ins. Now that that dealer is out of business wells fargo never paid the gap contract. My van was total out and not they are ask me to pay the 9, 000left I dont think they are doing there customer right I have went to the bbb and they told me to try to file a complaint

I just read from another person complaining about Jonathan Mancuso from Wells Fargo Financial and remember he was the same guy who helped me with my mortgage issue back in 2007. He was helping me because I had fallen behind on my mortgage payments and was very helpful at first. He demanded that I pay at least $5K to get my paper work started He told me that he would send me paper work so I could quickly return it to him as I only had two days to do this - he never sent me the paperwork. I called him up and claimed he sent them through DHL. A week later the paper work arrived and the date on the DHL was dated two days before. A day later I submitted all my information to him and faxed it to his office per his instruction. I called him right after it was all faxed; I did receive a fax confirmation from my machine. Two days later I called him and he claimed he never received it. So again I re-faxed my paper work, it was about 20 pages worth of faxing. I also kept the fax receipt from my machine as proof it was faxed a second time. A week later I called him and he claimed he never received my fax. Each time I talked to him he asked about the $5K and if I still had it. I did, but he never told me where to send it. He never explained to me the process to me - I thought all I need to do is submit my paper work and if my paperwork was approved, then I could submit the $5K. It didn't work that way, apparently.

I faxed the paper work again for the third time and he said he received it. Two weeks later, I had to call Jonathan back to find out the status. He never called me back. I left three messages for him with in two weeks. A month later I finally got a hold of him and asked him what was going on. He said he never got my paper work. I was so angry by this time and asked to speak to his manager. He said he was out on medical leave and would not give me his name or phone number. Can you believe this? This was over a course of three months. By the time I had this last conversation with Jonathan, my house was being foreclosed. This could have been all avoided if this idiot did his job properly. I had to file for bancruptcy to save my house.

I'm curious to find out what practices they use us to scam consumers. It seems like they like to use scare tactics. I also wonder if the $5K he wanted me to pay was a commission for himself. And since he never received my money, he had no interest in helping me. I read and article from a mortgage insider that lenders will try to have consumers pay extra fees because this is how they make their commission.

It's scary to think a company is allowed to do this to their customers.

Went into 901 Gessner, Houston, TX 77024, on May 29, 2009, at approximately 9:00 am. I work for Jack in the Box, and Wells Fargo is supposedly a place I can cash a Comdata check at, without a fee. I presented my check, and the teller says I can't cash it without a authorization code, which I explained is given to teller when they call into 1800 number. The teller proceeded to tell me I was incorrect, and needed a code before he would proceed. I explained again, I authorized the draft out of my comdata account, and he was required to call and receive the code from them. He almost refused again, but his boss told him to try calling and so grudgingly he did. Then he proceeded to tell me there is a $10.00 fee. I tried to show him paperwork I had from comdata and jack in the box, having an agreement between comdata and wells fargo bank, that had no fee on comdata checks cashed at wells fargo. He said it wasn't the case and charged me the fee. And then proceeded to act like he was doing me a favor by cashing the check.

I made the mistake of going with Wells Fargo since they already held my mortgage. I thought it would make it easier. I thought I could trust them. I thought wrong.
I gave them $341 out of pocket to do the appraisal. After being confirmed that the loan refi would be no problem, all my numbers were excellent, great credit, LTV ratio was perfect, income was good, everything was in order. I was approved and awaited the closing date. Then I got a denial letter. Something about "not being a benefit to borrower". I asked numerous banking professionals what that meant and not a single one could come up with an explanation. And of course it was impossible to get anyone at Wells to talk to me. To add insulet to injury, they weren't going to refund my money. Luckily one of my customers is a real estate lawyer and talked to someone at WF and got me at least my appraisal fee back ($325).
But the joke ended up being on them in the end. I got a better deal elsewhere and just gave WfF the official boot!
I hope they go bankrupt !

After many overdraft fees($2000+) in the past, I began to watch my account closely and notice when it fell to a low balance
point, Wachovia ALWAYS found a fee to charge to cause an overdraft. So, on May 8, 2009, I went to the branch mgr. and discussed the problems that ocurred while I was out of town April 27-30, 2009, she agreed with me that the fees charged were NOT valid and refunded all $210 of fees that had posted to my account. In doing this she recomended that I open another checking account just for overdraft protection, place $50 in it and forget about it for back up. SO I DID. I already had a savings account for protection, but this would be extra insurance. Well it was NOT enough. On May 21, 2009 I went online to find my account $36 negative, with Wachovia taking $35 OVERDRAFT FEE and $10 OVERDRAFT PROTECTION TRANFER FEE ! Are you kidding me, Wacovia is now going to charge me $10 to tranfer my money from one account to another ? THE ANSWER IS NOT ANYMORE, NOT TO ME ANYWAY ! I deposited $60 to cover all outstanding debits informed the branch mgr. that when the account was cleared I would be closing it, she asked what she could do to make me happy, I said, they had over 4 years to do that but, just kept taking my moneyand if she wanted to make this time right she could refund my money to me, her reply was " WHY SHOULD I? YOU WILL JUST CLOSE YOUR ACCOUNT ANYWAY" my reply was " YES, BUT IT IS THE RIGHT THING TO DO AND YOU HAVE TO LIVE WITH THAT"!

I have not received Escrow refund as of today 5/19/2009. Wells fargo seemed to have this happen with other customers too.
Wells Fargo support(not customer support LOL) people I talked to, Katrina and Britney, succeeded in explaining why I should wait for 30 days truly served their purpose of being there(supporting Wells Fargo).

this reasoning given by wellsFargo Service of "check was processed on 05/01/2009 and takes 3 to four days to gets picked up by USPS; and for USPS it takes anywhere from 7 to 10 business days" is simply absurd.

BTW Saturday is working day for USPS. In any case this is more than 10 business days for USPS even if it left their sorting facility on 6th of May 2009.
More surprising is I was told that I have to wait for 30 days from release of check date(end of the month) for wells fargo to cancel and reissue new one. which seem to happen anyway and is no excuse, total absurd, shows extreme greediness of Wellsfargo, and lack of respect for customers(past) and smells something rotten here.
These kind of stinky things only happen 3rd or 4th world countries or I guess wherever wells Fargo is.

I have very high respect for USPS which always delivered for me in last 15 years without a single problem. They seemed to deliver my mails and biller's statements within 3 to 5 business days. And they probably introduced hand delivery by horse buggy only for wells fargo refunds.

I have no hope but vet my frustration this way. From seeing other complains online, wells Fargo don't seem to give rats ### about these.

I am way too glad to FORGO WellsFargo by not refinancing with them.

My husband and I were pre-approved for a conventional mortgage loan three weeks ago. I have just graduated with my PhD, and am starting a post-doc fellowship position that will last for 2 years. I asked whether the fact that I had just graduated and started a new job would present any concerns about my "loan worthiness" and was told not to worry. We thought that underwriting would be no problem, due to the pre-approval, our respective credit scores of 760 and 810, the fact that we have zero debt, can bring 20% down payment, and because our assets are greater than the purchase price of the home. We entered into a contract on a house based on assurances from our loan officer that we were a "slam dunk" application and should anticipate no issues with underwriting- she was 100% sure we'd get our loan. We proceeded with the home inspection and the appraisal, and all other aspects of the contract fell into place. We were looking forward to our closing date and taking possession of the home.

The application went to underwriting-- and was denied. Why was it denied? It seems that the income I receive does not count towards qualification, because it doesn't show "evidence of continuance" for a period of at least three years. This is absurd. I have a grant-funded guaranteed position for the next two years, and that income cannot count toward my application. Moreover, our assets are greater than the requested loan amount. Because of this, I expected to be viewed as a low-risk loan applicant. If we wanted to, we could just outright buy the house, but I'd rather use my assets to continue building toward retirement. So thanks Wells Fargo. Now I've either wasted $1200 on appraisals, inspections, etc. on a house I can't get a loan for- or I have to liquidate all my assets so I can buy it outright.

Everything I mean everything you read on this website about wells fargo is true. The violate FDCPA laws daily. They will call you early in the morning at time before 8:00 am usually around 7:50 and leave messages all day long. They will continue to call your references that was on your loan application everyday. They called my parents house back-to-back for 30 minutes because my dad refuse to take a message. They will call you 1 day after your payment is late and every customer service rep. you speak to will have a different answer to your question and account. Another scam they try is to add insurance to your vehicle even if you already have it. Then you have to go through hell to get your insurance company to prove to them that you were insured. That is just the tip of the iceberg after you prove to them you had insurance and still does they will refuse to remove the insurance charges they added to your vehicle and attempt to repo your vehicle due to late payments. I have contact my attorney general office to report the abuse of phone calls and harrasment form this company. They have the worst customer service in history and you do NOT want to conduct business with them. Below is a link to the FDCPA website and a list of common violations which I know they blow out the water based on the complaints on this website.Also, when you fall behind one rep will tell you, your qualify for an extenstion the next person will deny it and they all have different qualification guidelines and forget talking to a manager they just pass the call to a neighbor who is rude. They have no respect for the law.

PLEASE HELP STOP THESE PREDATORS WHO PREY ON PEOPLE REPORT THIS ABUSE TO YOUR ATTORNEY GENERALS OFFICE. NOW.

http://www.debtconsolidationcare.com/fdcpa.html