Wells Fargo reviews and complaints 1754
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doesn't have the decency to call
I recently overdrafted my account which happens. I lost trakc of which card I had used for a business expense. Well I put the money plus more into the account once I could. Wells Fargo decided to cancel my bank card. Which isn;t my complaint. My complaint is that they cancelled my card without motifying me. So I am on another business trip knowing I had enough funds to cover my lodging costs but my bank card is declined. This is an embarrassing situation but is even more embarrassing when it is one of your companies hotels. This is the second time they have cancelled my card without notifying me. The first time was due to fraudulent charges on my bank card. Which I believe is a good reason for canceling a card. Once again my complaint is that they didn't notify me. This left me stranded at a gas station. I called their customer service expecting an apology for this inconvenience but alls I received was rudeness. They took no responsibility for the discomfort they caused me. I guess since I accidentally overdrafted my account that makes me a less than worthy customer.
The complaint has been investigated and resolved to the customer’s satisfaction.
unethical company
Imagine my surprise when I received a letter stating that you have been working with us for some time to resolve our financial problems.
I sit here looking at our last statement -- $109 due by 8/15/05. I paid 40.00 on 7/28/08, $60 on 8/26, $9.00 on 9/4/08 using the bill pay service offered by Wells Fargo bank. Wow due 8/15 – paid by 9/4/08 – we are quite the deadbeats.
I just went on line (Wells Fargo Financial) and paid another $109 since apparently Wells Fargo needs the money so badly.
I’ve never dealt with such an unethical group of financiers in my life.
The complaint has been investigated and resolved to the customer’s satisfaction.
They fooled me into a loan where I paid $250/month in interest, while only paying $50 towards the principal. They told me the high interest rate, but how they calculate it, and/or heavily front-load it LEGALLY, is beyond me. Who in their right mind, knowing full well the situation, is gonna pay $250/month in interest? I have gangster friends who charge waaaaay less. They totally took advantage of a desperate, unexperienced young person with the intention of owning them. They constantly offered more money, as if I were ###ed, and still hadn't figured out their hustle. If I ever get a terminal illness, I am going to burn down every wells fargo within 100 miles.
DO NOT DEAL WITH THIS HIGHLY UNETHICAL COMPANY, THEY ARE A JOKE!
wellsfargo is the worst bank to deal with close your accounts with them they nickle dime your savings accounts, for their employee parties, yes they party off your over draft fees. i spoke with an employee who use to work there, the are investor's hiding behind a lot of these bad loans, the ceo of wellsfargo told naca bruce marks to kiss his'''''''''''''' when mr marks ask him to help all the homeowners with bad mortgages to help these people keep their homes. the bible say beware those that are standing, beware you will fall. wellsfargo had the nerve to take some of the bail out money and they will not help with these bad loans they are hiding behind many of them an they don't care. wellsfargo employees
better beware when you work for satan you will soon be fired. one wellsfargo employee says that they are strong nothings going to happen to us. that's what they just about said about the titanic before it sank, and never came back up. downey savings all those banks that have cheated many people out of their homes are closing down, wellsfargo is on it's way out soon, take you money out from them, i hope any employee of wellsfargo read this, remember one thing you reap what you sow. and wellsfargo deserve what they will receive to be closed down for good. also they have sent many american jobs overseas to india
scam and cheating
It has now been over 6 years since Wells Fargo Bank illegally accepted, cashed and released almost $1 million of stolen check funds, payable solely to 'The Madden Company', but stolen, then signed/endorsed by SAVIN Corporation, who is owned by RICOH-Japan. If you or I had stolen and cashed these 7 large checks, with a handwritten deposit endorsement, WE WOULD BE IN JAIL, but International Corporate executives, like Jim Ivy, ex-CEO of RICOH-USA and SAVIN, has not yet been charged.
This is ironic, considering Mr. Ivy is already incarcerated, having been convicted of sexually assaulting a minor, under the age of 13, while in charge of these large office equipment companies in the USA. Please help us, as we have lost faith in our federal government to do anything, having passed the buck to other agencies, until there are no more agencies to file reports/complaints with.
Visit www.ThisIsJustice.com to see our actual evidence, including a copy of a check for over $200, 000.00, which was one of seven checks stolen and then illegally cashed by Wells Fargo Bank.
Thanks very much.
The complaint has been investigated and resolved to the customer’s satisfaction.
Dude, that is some f**ked up stuff right there. It is unfortunate the heads of corporations get special treatment like that. Class discrimination at its best. :(
terrible everything
This complaint comes on the heals of my wife being fired by this company not once but twice. This company has had an issue with my wife working for them since she came down with the illness/disability of epilepsy. They have done things such as not grant her time off when she had an attack of seizures. They have told her on many occasions that they can't work with her illness. They did not comply with doctors orders in regards to her schedule, and many other things that would make it easy for her to do her job, such as frequent short breaks away from the computer screen. This affected my wife's performance allowing them to dig up a reason to get rid of her. If you bank with this company understand that you are not only supporting this type of behavior but you are saying that you are ok with this happening. Someone who has a disability being treated as my wife was is no excuse for what they did. Wells Fargo has a history of not complying with the law and they have done it again in the case of my wife. My hope is that people who read this complaint will understand what this does to someone with this illness and the stress that they incur will cause them to potentially have more and more seizures due to the fact that they are placed under stress and can't go through with their daily lives.
We are seeking legal action against Wells Fargo for their illegal behavior.
Wells Fargo representative arrogantly insisted there was no problem when the bank's automated phone number repeatedly sent me to the wrong information. It was a strange situation that was made worse by Brian's tone of voice that there was no problem. I finally decided to get help at another time. It would be great if Wells Fargo would listen to complaints and then investigate to determine if there IS a bad employee on their phones. Especially in this economic climate, it could cost them a lot if they don't. Oh well, not my problem.
I have the same issues with Well Fargo too!
fraudulent fees
Wells Fargo Auto Finance is charging me exhorbitant fee's for excessive wear and tear that is not evident on my returned vehicle. I think they systematically do this to rip off clients who have leased vehicles. I am thinking of a class action suite against the company. Anyone else have unfair end of lease fee's or excessive wear and tear fee's?
I have a 2006 mini van (Toyota sienna) and will return next week in Phoenix location. I read all of these messages above and called Wells Fargo Auto lease department and asked for the leased car return policy. What they told me is that any scratches or dent bigger than 1 inch, they will charge. I did check my car and found some small scratches and will have them fixed before returning the car next week. I will let you know if there will be extra charged in few weeks. Another concern is the tires. In case of the extra charge, I will have the two front tires replaced before returning as well. Hope there is no more headache after. I would not lease car anymore since it is just not right for Wells Fargo to charge so much after the car returned. Again, I am with you all for the discussion.
Hey everyone just a little update to my first complaint on the top of this page... So after going back and forth with Wells Fargos crazy fees of $7, 000 I did something just as crazy... I spent $20 and joined PrePaid Legal... I know... I know... I know... The one that you always hear about but say "Yeah Right" not likely... Listen to this... I told them what happened and they said no problem, "We will write a demand letter for you" ... soon as they did this and sent it out a got a phone call from wells fargo leasing department stating they have checked over the fees again and adjusted my account to $2000.00 ... LOL... Wow! that was fast. So I could have fussed a little more but was so happy to have saved $5, 000 I said great lets do it.
Recap.
Wells Fargo sent bill to me for $7k
went back and forth with leasing department for a few weeks
hired Prepaid legal (no contract) $20 plus $10 start up fee
wells fargo called and "Adjusted" account $5k
paid off and its a done deal.
Please call if you have any questions and cancel all business with this Monster of a Bank...
Wells Fargo Sucks
Chris Loftin
Sacramento, CA
[protected]
Same here. I just returned a honda pilot. Everything was under excellent condition. The transport condition report from the car pickup person states no damage at all, and I got photos and witness for the car. But, in the end, wells fargo is charging me $2700. It's crazy! They told me once I signed the contract, then i should pay the amount they figured out. All the proof I got is useless.
I think we should file a legal action against this bank!
jinsunnyvale@yahoo.com
hi
i returned a sequoia and they hit me for 4000.00, the turnin fee of 350 and excessive miles was all i paid for.
i figure theyre gonna sue me, but i could have also bought the vehicle
they hit me up for 16 dents on the roof of the truck, i never even used the roof
and also for little nicks, which, in all my other leases, were considered wear and tear(normal--)
i did listent o my husband and took picturesof the car, which i sent to wells fargo, but they could care less.. they told me ill go into collections if i don't pay in full, so i paid what i believe i owed.. let me know how everyone makes out
Hello, yes I have just recently returned my leased vehicle back to wells fargo return center. A month goes by and i received a bill for nearly $7, 000. A $1000.00 in parts and the rest for labor. I cannot believe this considering they tried to sell me the vehicle for $8, 000. It had a little wear and tear but nothing major. I cant believe they are saying there was this much damage considering i could have got a complete paint job for around $1000. Please contact me if you have found anything out regarding this issue.
I dont know what to do,
Chris Loftin
[protected]
escrow screw-up
I should have written this letter earlier but I have been in and out of the hospital with some medical issues and was unable to get back to this before now.
Last October my wife and I bought a house in Tacoma Washington for our son, and got our mortgage financing through Wells Fargo, account number [protected]. As we had some unpleasant experiences on a previous mortgage when Wells Fargo failed to pay the insurance from our escrow funds, we requested that this mortgage be non-escrowed and it was approved. We closed on 24-October-2007.
In July I received the bill for the first half of the 2008 property taxes, which were already delinquent, costing me $142.82 in interest and penalties. I called the Pierce County Budget and Finance Department in Tacoma to find out why I had not received the notice before the taxes were due, and I was told that the tax bill had been requested in Feb-08 by Americas Servicing Company. When I contacted them (July 23, 2008) they informed me their parent company was Wells Fargo, and that they service the escrow accounts for Wells Fargo mortgages. I asked why they had requested the tax bills for my account as I did not have an escrow, and they referred me back to Wells Fargo’s tax department, where I spoke with a woman named Susan. She indicated that since I had no escrow account that neither Wells Fargo nor Americas Servicing Company had requested this info, despite what I had been told by the Pierce County Budget and Finance Department. I asked to speak to her supervisor and after ~10 minutes on hold I was connected to Rosemary Fausito, who said they could do nothing. I asked to speak to her supervisor, she indicated her supervisor, Karen Valentich, was out but would return my call. To date, more than 2 months later, I have not received the call.
My position is I was forced to pay the penalties and interest on my tax bill for no other reason than I had not received it in time, due to the meddling by Wells Fargo’s company Americas Servicing Company, which they had no right to do. There is no escrow account so Americas Servicing Company should not have even known about my mortgage, yet they had the tax bill sent to them instead of to me. Therefore Wells Fargo should be responsible for the $142.82.
I tried to resolve this by talking with employees of both Americas Servicing Company and Wells Fargo, and got nothing but denials of what had happened and expectations for return calls which never happened.
I hereby demand Wells Fargo to repay me for these fees which were imposed through no fault of mine, but because of Wells Fargo.
Regards,
James Thomas Sokola, Jr.
[protected]@intersil.com
[protected]
rip off
I too have been victimized by Wachovia's devious method of posting the largest amount before the smaller transaction amount. Wachovia's excuse is always that the larger transaction amount could be your mortgage or car payment and the importance of those payments justify this backwards policy. In reality we all know the reason for this policy. It is to simply maximize the overdraft fees to take full advantage of the customer's mistakes, just another way of nickel and diming the little guy to death.
It also wrong for Wachovia to take the check card purchases and hold them in some electronic netherworld where they can float and linger until the bank decides these charges can now be subtracted from your account. Without any way for the customer to know which of these charges came in first and when exactly they will be deducted this creates confusion which can result in multiple overdrafts. They are masters of this deceptive practice!
I am willing to join anyone who is involved in formulating a class action suit against Wachovia. I strongly encourage others to join in this action.
I can't believe these jerks. Back in February, I opened a 2nd account with Wachovia. I received a check/debit card. I used the card in Arizona on vacation. When I returned home, the wife and I went to dinner, and I tried using my old card for the 1st account. It was denied. I called the bank, and they said it was expired. I said, no, it isn't. They said oh, well, I see it doesn't expire for another 3 years, so we will re-activate it.
Went to use it again, it was denied. It took me 8 calls to Wachovia to finally get the problem fixed. It turns out that since I used the new card on the 2nd account, it automatically deactivated the card on the old account. They couldn't explain why, it just did. So they corrected the problem. I decided to cancel the account and go to a credit union, where this crap just doesn't happen. I let the account dwindle down, but I knew exactly how much money was in there to cover pending charges.
Meanwhile, because of the card screw-up, Wachovia decided to charge me $8.00 in SERVICE FEES for CALLING THEM! I had $220.84 in debits clearing my account. I should have had 220.96 in the account, but because of the 8.00 service fee, I got dinged for an overdraft AND an Non-Available Funds (overlimit) fee, totaling $70.00.
I called them, and the supervisor said she will refund one of the fees, because I didn't have enough in the account to cover both transactions. I said go ahead. But after taking the time after work to actually count the money, it turns out I did have plenty of money to cover the debits, with .12 left over.
I call them back, and say, hey, you made a mistake and I want the other fee refunded. This idiot supervisor says, no, she can't do that because they already gave me a COURTESY refund! WHAT? They screwed up, I didn't overdraw my account and they are not going to refund my money for their mistake? All she kept saying, like a broken record, was since they already gave me a refund of half, then I am not entitled to the other half of MY MONEY. These people have the IQ of a d**n rock. Look up stupid in the dictionary, it says 'See Wachovia'. I wish I had been there when she said that to me, I've never hit a woman in my life, but I would've b**ch-slapped that stupid c**t across the room!
It's not over. I will get my money back.
The complaint has been investigated and resolved to the customer’s satisfaction.
im ready to file suit, contact me on my email
predatory banking practice
A review of my online statements for my checking account with Wachovia Bank shows Predatory banking practices by Wachovia.
On August 15th, 2008 my account balance was $2, 841.52. In my account statement Wachovia banking fee of $280.00 was taking out of my account. Wachovia claims that the $280.00 fee was because my account was negative. However, as of August 18th, 2008 my account has a positive balance.
Wachovia states that the $280.00 fees were deducted because the items that were posted to my account on August 19th, were taking out of my available balance on the date of transaction causing 10 transaction after to be over drown.
Wachovia then deducted an additional $175.00 (dated August 19th, 2008) for the funds that were previously taken out of my account and reduced my available balance on the date of transaction; stating that the date the transactions were posted to my account my account was negative.
How can the amount that was ALREADY deducted from my available balance on August 17th and 18th, (Positive balance) and posted on August 19th be overdraft/unavailable? This is PREDATORY banking practices.
I have since review my account history and found this to be common PREDATORY banking practice of Wachovia Bank.
I asked the State District of Columbia Department of Insurance, Securities and banking Enforcement and Investigation Bureau to investigate Wachovia PREDATORY banking practices. They refer me to the Office of the Controller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010, telephone [protected], fax [protected] for assistance.
I would recommend that everyone send a letter and fax to the office of the controller of the Currency reporting the Wachovia PREDATORY banking practices.
Wachovia took funds out of my account when I closed the account weeks before hand. They have tried to charge me for NSF charges that are bogus and have even hired a law firm to come after me for money that isn't owed to them. I am not the first person that I have heard of that they are trying to do this to. The law firm they hired is called Sessoms & Rogers out of Durham, NC.
7 year. Tens of thousands of dollars. Totally fed up. The last straw came this week. Business has been improving, I think we will end up surviving this mess if Wachovia doesn't end up destroying us first. The biggest challenge has been that we never took a line of credit to cover cash flow. We make product, run deliveries, then have to wait up to 3 weeks to get paid by some of our companies. But here's where this bank comes in: when I get the checks in THEY HOLD THE FREAKIN CHECKS UP TO ANOTHER WEEK before I can use the funds to pay bills and my contractors! I have had a couple branch mgrs who would override the holds but mysteriously all of them have been let go...likely for having ETHICS. That's not the worst of it. Two things: first, I could see the holds if we had returned checks written to us but in 7 years we've never had one single return check. Never. So why the holds? Because we've been overdrawn in the last year. Why have we been overdrawn? BECAUSE THESE ###S PUT WEEK¡LONG HOLDS ON OUR MONEY AND WE HAVE BILLS TO PAY! Then the third angle of this picture. When you make a deposit it can show up next day as hard posted and then the next day be reversed to a HOLD for a WEEK! So it posted, you thought you had the money in there, so you pay bills, the deposit is reversed and held, now things are bouncing and rolling up fees. This infuriates me. We are trying to survive this economic disaster Oby caused and now our own BANK is trying to suck off us! So then the piece de resistance? This all happened this week, the day before Thanksgiving. I found it when I went to pull MY pay to do my holiday meal shopping after having paid all my bills, as any good biz owner would do, only to find my account OD by $300 with another $75 in fees to hit last night PLUS the deposit remainder that they are holding which is my pay for the week. Total appx $600 lost. I called one branch because most mgrs were off, and was told only the branch where we deposited could lift the hold. So I called the Signal Hill Statesville NC branch and spoke with I believe his name was Brian (hard to keep track with all the people they've fired) and this cold-hearted fool totally refused to release the hold because his job would be on the line if the check was not paid, never mind that in 7 years we've not had one return check written US. So, no money for my pay this week AND we're out all those fees. Thanks for a Happy Thanksgiving this week because of the TURKEY at the Signal Hill branch. One footnote I do need to make is that Donna at the branch was a star for at least trying to reason with this fool but even she couldn't a pulse in this cold-hearted twit. Thanks Donna for trying. Moral of the story? From talking to several other fellow biz people trying to survive who had been with Wachocia, GO TO ONE OF THE SMALL LOCAL BANKS. They appreciate you. They don't constantly change the rules to make fees off people and to suit their own bottom line. I, for one am doing just that next week. Maybe if enough people wise up and jump ship on them they will get the message. Especially if they see their bottom line affected.
Hi,
I was Wachovia bank customer for about 3 years now. One day a customer representative called me to explain the improvements at Wachovia bank. I asked him to send me the documents and said I will go through them at free time, he agreed and we disconnected the phone. 2 weeks late I get a letter from Wachovia bank stating that the credit card application has been rejected.
I called Wachovia bank and asked them why did they apply for a credit card with out my approval, they said it was a mistake and only thing they can do is remove the inquiry on my credit from the major credit bureau's... and no response from them... every time I call them, they say that they will send an email to representative who is handling the case, and she will get back to me..but still no response.
If this is the case how can we even trust banks...
Bhavani
My father has had an account with Wachovia (plus the many former names they've been under) for well over 30 years. He recently opened a checking account with them but his social security gets direct deposited into his savings. He usually doesn't keep any money in his checking account unless he has a bill to pay. Long story short, 2 companies presented "checks" to his account totaling about $450. Even though there was $0 in his account, Wachovia paid these UNAUTHORIED "checks" AND added the non-sufficient fund fees as a "Courtesy" to him. He expressly and repeatedly told Wachovia under no circumstances should any items be honored if there wasn't the funds in his account. Did Wachovia listen? No! Their "Courtesy" is costing my father about $500 that he doesn't have. Not only that they're making him investigate these unauthorized items. If/when he can pay this balance off, he'll be closing his accounts with Wachovia as they certainly don't value him as a customer. Guess he's not rich enough to be valued. Also, I put in a complaint with the PA Banking Dept. they told me they couldn't handle the complaint as Wachovia is a federal? bank. So I filed a complaint with the federal banking commission. We'll see what happens.
I recently just had Wachovia take $140 in overdraft fees when I had $250 in the bank for transactions clearing. When I called Wachovia they agreed that I had enough money in the bank but refuse to five me the fees back. I am closing my account with them and I advise you not to open an account with them. Very poor customer service and not customer friendly at all. I don't know who can afford to just give their money away. Maybe this is there own form of bailout. They will not be using my hard earned money for their bailout.
On or about 6/18/08 I requested online to have a CD account of mine closed and a check be mailed to me. I was told on line that I would have to call in on 6/20. I Did! I was told the account was closed and a check would be mailed to me
On 06/25/08, not having received the check, I called in again. I was told the check was mailed out on 06/20/08 and I should wait 8 to 10 days because the post office is not reliable.
On 06/28/08, not having received a check, I called in again. A person named David said the account was closed on 6/20/08 but could not tell when the check was mailed out. He was to call me 06/30/08 and let me know when the check was mailed. I asked him to leave a message if I was not there. He called when I was not home, but left no message.
Today, (06/30) I received the check and I find that the check was not made out until 6/26 and was mailed out on 06/27. This was an account that held $59, 752.56
I want interest for 06/20/08 to 06/27/08.
I am someone who moves between countries a bit and I was in new york for 9 months. I setup an account with wachovia as the bank was near to where I was staying. My trouble began when I moved to canada and noticed the high fee I was paying on withdrawals.
I asked to change my account type to reduce this costs but was told there was no way. I then asked could I setup a wire transfer, but I was told I could only set up international transfers at the branch.
I decided at that point to leave wachovia as I was paying hundreds in fees every month and had no other way to get to my money. I setup a TD account in the USA and thought my troubles would be finished. When I logged on to wachovia to transfer the money domestically to TD it asked me some security questions which I had no idea about. They (I was told by a rep) has been pulled from public records, and as I have no real US history, I don't now where they got them from. I called wachovia to tell them the situation and they told me again that I need to go to a bank. Now I am back at square 1, stuck paying fees to wachovia, and receiving no help from them at all. Their stupid system does not work for people in my situation and I am literally left to pay the price for an incompetent bank.
DO NOT JOIN WACHOVIA UNLESS YOU ARE PREPARED TO GO TO THE BRANCH TO DO ALMOST EVERYTHING.
I own a small business and we have a customer in Canada. This customer pays us by check, in US dollars, but from a Canadian bank. We have been depositing their checks in our Wachovia account for several years. Typically Wachovia has deposited these checks in a week or less. With our last check it took these crooks 8 weeks to deposit the check. How do you think they would react if someone help up their funds for 8 weeks? Kind of tough to run a business when my bank acts like a common thug with a gun to my head. Needless to say I am looking for a new bank. Wachovia is now part of Wells Fargo. Will it make a difference? I doubt it. I hope they rot in ***.
To whom it may concern,
I did make a schedule online with Wachovia for 9/22/10 of 2 payments, the reason I make 9/22 because I know I will be ready to pay that amount by 9/22. My husband is a server and he makes money every day. Wachovia pull that amount the day before which is 9/21, which is my fund wasn't ready for it. And they did charge overdrawn fee of $35.00. I think this is very unfair for us like low income family. Please help me out. I cannot afford an attorney to fight with them. Please let me know.
This is my copy of bank account,
My Account Activity:
Sep 21 Other OVERDRAFT/UNAVAILABLE FUNDS FEE 35.00 -51.55
Sep 21 CHECK 5296 17.33 -16.55
Sep 21 CHECK 5297 30.38 -0.78
I make online Schedule:
Hartford L 14507 30.38 Sep 22
Hartford L 14509 17.33 Sep 22
Good Afternoon, At all costs get away from this bank. the bank will hold purchases and deduct the money from your account and then hold deposits and then double dip off your new deposited amounts to offset the stealing.. just look at your statements and online account activity.. you must capture 3 pieces of data to match data. ATM printout of daily transactions, online transactions, and then statement. Before the statement you must use the first two.. Its called the double hold bank scam. the either double dip from the deposit or they derail the account and repost the debit for NSF. This is illegal and they are changing the rules on how transactions are processed . debit is instant not a credit..
Protector of the People
unauthorized withdrawals
It has been almost three months since I realized that Wells Fargo Auto Finace has been taking unauthorized payments out of my checking account. I make my payments through a money gram system and when I looked at my bank statements and saw this you know I was upset. When they took payments out of my account of course they returned because the money was not in the account and at the same time I was making money gram payments. But in their system it looks as if I am behind almost 60 days when I am not. I call and talk to a million people who don't have a dam clue of what they are doing and they are no help at all and when I did speak to an supervisor he told me to fax the bank statements to him and they would fix the problem, that has been almost two dam weeks and they still have not done anything it is always some type of excuse with these people. The representatives are rude and disrespectful. I have seeked other measures by getting an attorney, because what they don't realize is that my credit is ruined because of them. Now they are threathening to come get the car an I encouraged them to do.
You need to go to your bank, and have them block and not allow ANY withdraws from you account to wells fargo. It is a good idea to not allow anyone to withdraw any bill from your account.Have the bank not allow any ACH transfers .If you don't they will continue to do this. If you do this, and they take money, your bank is responsible and can get it back.
Everyone will love this part. Here are the DIRECT phone numbers to the heads of Collections at Wells Fargo, along with their e-mail addresses.
Will Coakley VP collection Alex Alverez
[protected]-2922
e-mail Willcoakley@wellsfargo.com alexalverez@wellsfargo.com
It is better to write them so you have a record. e-mail is fine. These guys will try to play you, even worse than the collectors. But here they are, anyone dealing with Wells Fargo auto Finance have at them. Keep notes date time, as they do tape the calls, so any need for copies can be attained. they are required to keep them
When they try to run you in circles, report them to
Customer Assistance Group
Comptroller of the Currency
1301 McKinney Street, Suite 3710
Houston, TX 77010
Telephone: [protected]
E-mail: Customer.Assistance@occ.treas.gov
Internet: www.occ.treas.gov
These people can go after them. Don't accept any calls from 3rd party colectors for them . they are manipulating your account for bonus. Be aware of the rules of the Fair Credit reporting act. They cant call you at work for instance if you tell them not to. They have to give their names and id numbers. write them down.
Anyone who are getting colection calls, they are probably 3rd party. All you have to say is 'This is not a good time" . when they say " we are recording this call, say likewise( dont say you are recording the call, just say likewise, they will freak out.) some states alow you to record calls you make to them. Check your state law before you do.
But make sure you go to your make and stop allowing them to honor withdraws. Only pay wells Fargo with a written check or money order. Keep a copy for when they say you didnt make a payment. DONT talk to any collectors that are not from a 480 area code.
Have at them, and file complaints to the customer assistance of the treasury above . These wells fargo people are not honest, and they are most likely ripping you off, somewhere. watch your statement carefully, especially if they say you are late, or didnt make a payment. I urge everyone who has had issues with Wells Fargo auto finance to file complaints to the above address.
fraud and scam
I called Wachovia to prevent fraud on my account and received no help from them, only a guarantee that they intended to honor the fraudulent charges (even reading a memo stating that Shopping Essentials was legitimate and that customer requests to prevent charges were to be ignored).
I received an email from a defrauding company Shopping Essentials, stating their intention to charge me a recurring charge. I was frightened, because they had my NAME and correct email address! I do NOT respond to unsolicited email. I do NOT click on any links. I delete all spam. I have never done business with Shopping Essentials, nor had I authorized any charges to them, but I do do much business on the internet. I am pretty savvy and do my best to avoid any internet fraud. I called Wachovia Bank to block charges from this company.
In the past, Wachovia's Fraud Department has demonstrated pretensions of being active, calling me in a panic when I have had $11 charges at my usual Publix, and when I have my regular, monthly appointment with my physical therapist, so I have had some misplaced sense that they might be sensitive to a report of fraud before the fact. Further research shows me that Wachovia has had class action suits against them for this sort of fraud, which makes me need to be extremely pro-active.
I called Wachovia to fend off this charge in advance. Instead, the first service rep read me a Wachovia Memo, telling me that they communicate with Shopping Essentials, and that I must have clicked on something on the internet which gave Shopping Essentials the right to use my account. They told me that Shopping Essentials is a legitimate company. And that Wachovia would honor all charges to Shopping Essentials unless I closed my card and opened a new card.
We all know that closing a credit card or bank account CAUSES BAD CREDIT and I have an 'excellent' rating right now. Further, I am about to renegotiate my mortgage -- which will require my present high credit rating.
I asked for a supervisor.
The supervisor, confirmed all the CSR had said. She instructed me (according the Wachovia memo) to call Shopping Essentials and cancel the fraudulent charges. She gave me a new telephone number (which wasn't open). And told me to respond to the email and try to cancel it from there (despite all my training and alertness to never respond to fraudulent email!).
She told me that I must get the account / card to which Shopping Essentials planned to charge me before Wachovia would do anything. This would require me to contact the company to ask them what account they planned to use to defraud me.
Everything she told me was against my training and protocol to prevent fraud, and seemed to encourage more fraud. But this was her instruction, handed down from Wachovia Corporate -- despite their prior experiences with Class Action suit won against them for what seems like similar problems.
Despite my reluctance to call the company or to click on any email, I felt I needed to follow her instructions, because I was powerless and it was clear that Wachovia's so-called fraud protection was useless. The supervisor made it clear that they would NOT protect me, that they would compromise my credit rating, and there was nothing I could do through them to protect myself. It also seemed that they were complicit in an arrangement with Shopping Essentials.
Cut off at the knees by Wachovia, (so much for their fraud department which seems to be a sham) I have contacted Shopping Essentials, with great trepidation. I clicked on their information wondering what other fraud was being spawned by my responding with legitimate information.
They had all sorts of information on me, but NOT my telephone number. I did cancel online. However, this does NOT feel legitimate. I fear the upspring of all sorts of possible internet fraud from now on. Where did they get this information? When I joined CostCo? When I bought from Sears? According to Shopping Essentials, the account they fraudulently opened in my name, is now closed. But how can I trust a company that perpetrates fraud in the first place? Who are they selling my information to? What can I do to protect myself in the future, now that I am compromised?
What internet sites should I now report to in order to protect my credit?
The complaint has been investigated and resolved to the customer’s satisfaction.
Plagiarism. This is a complaint I filed with [redacted] and which you stole and copied. If you had copied it with attribution or a link to [redacted], it would be one thing, but to put someone else's name on it and file it as your own is theft and fraud on YOUR part.
It means your website is meaningless.
fraud charges
I deposited a check into my account from American General Finance for 3500.04 on 8/6/08. According to my online banking the funds were to be made available to me 8/8/08. On 8/8/08 the 3500.04 showed up in my account and my direct deposit paycheck of $885. I made a few online bill pays. One for 2000.00 to credit card and 100.00 to another card and 80.00 to student loans and so on.
I logged onto my account 8/9/08 to see if my bill pays had been sent out and my account showed 2200.00 overdrawn. So on 8/8/08 my account showed 4300.00 and now I'm -2200.00. They put a hold on my check after they made the funds available to me. Now I have no money. They went ahead and used part of that money to make my bill pays and turned around and took it back. Even all of my paycheck to cover their mistake.
If they would have put a hold on my check from the beginning I still would have had my paycheck to live on. Now I have nothing. I had to borrow money from my parents to buy gas and food. What if I didn't have them to help me? I don't care that they held my check. I care that they took my paycheck to cover their mistake.
I called them 8/10/08 to complain about what they have done and no one would talk to me. They asked for a password that I apparently set up 3 years ago. If my pin number worked they would accept that, but my debit card it currently shut off for fraud. On 8/8/08 I had fraudulent activity on my account and I was told I would have a temporary credit and I haven't gotten that yet.
It's not like this check is a personal check from someone. It's a check from a financial institution that has been around a long time. HOW CAN THEY JUST TAKE ALL MY MONEY? It's sunday right now and I won't have any money until Friday. They told me over the phone that any overdraft fees I incur will be credited back to me. I have all the bill pays and a few debit card transactions totally 7 pending orders.
Gee, 35.00 x 7=245.00 in overdraft fees I have to deal with until they give me my check. I should have over a 1000.00 clear sitting in my account right now. I hate Wellsfargo. How are they going to make bill pays out of the money they cleared to me and then take it away for another week and take my paycheck with it?
The complaint has been investigated and resolved to the customer’s satisfaction.
Office of the Comptroller of the Currency
If you have a problem with Wells Fargo or any other national bank, you can make a formal complaint here. They will listen to you after you do this. They do not like to get these kinds of complaints.
http://www.occ.treas.gov/customer.htm
[protected]
Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
FAX: [protected]
I am being frauded
This company is a fraudulent scam, and needs to be shut down permanently! They just recently bumped up my monthly payment without my authorization by $100.00 per month, in addition they have been frauding my account from day 1, saying I havent made payments for certain time periods when I have ALL documentation right down to the cancelled check I wrote for the downpayment in my posession to date. They reposessed my 2006 vehicle last November 17th 2007 even tho I faxed them and spoke to a rep on the phone that I was in fact current on my payments.They now have tried to send out repo companies to take my vehicle stating they have an order for a "deceased person" as the owner for their reasoning in taking my vehicle. Back in Nov 07 they made me pay $2, 600 to get my vehicle out of repo altho I was in fact current then they refuse to fix my account saying to date im still behind. They are now claiming I have a bankruptcy to which I never had. Now they are sending me monthly statements with outragious amounts owed, saying I owe them a huge lump sum for collateral insurance which I never signed up for nor authorized with them, I have always had my own full coverage with a diff private insurance company. They're excessive unwarranted late fees are absurd as well. They refuse to correct anything on my account stating I still owe amounts to which I do not owe. And for them to bump up my monthly payments $100.00 without my authorization, well isnt that slightly illegal? This company is fraudulent and needs to be removed from the business/corporate society in totality asap! I am trying to find an attorney with the where with all to go up against these frauds and not chicken out becuz they are a big bank/company. I am going to get involved in every class action lawsuit I can against wells fargo auto finance and search for an attorney with gumption to sue the hell out of these frauds. Eventually we can all hope as consumers/victims of this company if we all band together we can put them out of business and in prison for good!
I purchased a car in 2000 thru Wells Fargo. I had gotten behind on payments late 2001. After negotiations with the "Collections Dept." I began mailing a payment of 400.00 every two weeks to the "Collection Agent for Wells Fargo" in Phoenix, Arizona. I was to make payments using money orders only. The account number I was instructed to reference on money order wasn't the same number as my original loan number. Prior to mailing payments I was asked to fax a copy of the money order to the "collection dept.". After 3 months and 2400.00, I had finally gotten caught up and current...I thought.
One week later, a Wells Fargo rep. contacted me at work to inform me they would be repossessing the car as payments were delinquent. She claimed I hadn't made a payment in more than 6 months. I explained to her that I was in fact caught up on my payments and told her she should speak to John in the Collections Dept. and I gave her his direct phone number.
The folling day, I received a call at work from the Wells Fargo. The lady told me that Wells Fargo did not have a collection dept. or agent working at the address where I mailed payments. She couldn't reach anybody at the phone number I had given her as it was a disconnected number. The loan number I had been referencing on my payments was also not a good number. They said I still owed them the 2400.00 along with late fees. None of the information I had or proof of payments was any good to them.
Long story short, I was forced to file Chapter 13 so I could keep my car from being repossessed. My bankruptcy attorney wasn't able to do anything about the "lost payments". I guess you might say, I GOT JACKED.
I agree... they are scammers... My boyfriend bought me a 2004 Ford Explorer Sporttrac that we purchased at a 15.9% APR, after 3 yrs... we were having financial difficulties and discovered that after 3 yrs we owed more than we purchased it for which set off flags... 15.9% and they changed it to approx 25% APR from go and I had no idea because he didn't tell me what the APR was until after the fact... We told them of the problem, yet they did nothing to fix the problem ... We tried to get an attorney and the dealership was more than willing to stand behind us 100% in court... However, we cannot afford to pay for an attorney and they got the truck and we were charged the difference between the price of the car and the sold price... we also suspect that they received our refund money from the warranty that was never used... They are scammers for sure... Would love an attorney to help...
Wells Fargo... what can I say? I have had my truck through Wells Fargo for 2 1/2 years and it has ALWAYS been due on the 30th of the month. Well, I got a call this month saying I am 5 days late.. It's the 15th! They for some reason decided to move my payment due date to the 10th of the month... without informing me about it... The girl that called was so rude and I was rude right back! They "sent" me notification.. yeah, RIGHT! So, I am with all of you on this! THEY SUCK!
scam charges
Recently I attempted to get clarification on over draft fees charged to my account by Wachovia Bank. I got the same explanation from every person I spoke to. Apparently, if you have transactions already deducted from your available balance and due to post the next business day Wachovia can/will kick the transactions back to take money out for a HOLD transaction. This of course results in lining their pockets with all the insufficient funds fee for each transaction made before the HOLDing transaction was placed.
When I asked for full refund on the 4 NSF charges I was told that they did nothing wrong, but offered a refund on 20% (that's only $28 of $140). I just don't get it. I even wrote to Wachovia's correspondence department fighting these charges and the answer from them was that they did nothing wrong.
I asked the numerous customer service representatives why and how a transaction that is HOLDING can override the transactions already made and deducted from my account and due to post on the same day the HOLD was placed can cause all of these charges. I was never able to get a straight answer, on their system it showed that the charges were correct, but when I told them over and over again why then does THEIR online service show my transactions clearing then AFTER they've cleared the over draft fees totaling $140 show up. HMMM, no one can explain this.
So after all of this I get stuck paying them $175 in over draft fees and causes a snowball effect on my end because money I was counting on is being stolen by Wachiovia's bad business tactics to make money.
My latest and greatest problem I'm having with them is that they are honoring transactions made on an EXPIRED debit card. A card that was no longer valid on 06/30/08. Yet they posted a transaction made with this very card on 07/25/08, almost a month after the card expired. Oh, yes... it generates more overdraft fees for them.
I called the customer service line to ask if it is normal business practices to honor transactions made with EXPIRED cards and was not able to get a straight answer. I got a legal answer claiming if i authorized the transaction then it's possible to a transaction to be posted. I'm sorry, if the card is expired why would I authorize a transaction to made on it?
I recently had NSF Fees charged to my account and they could have been avoided, if they had placed them in another order in which they were deducted from my account, as there were Sufficient Funds in the account to cover the payments, all except one, but instead they deducted the payments in such a way as to insure that they would get the absolute maximum amount of NSF Fees that they could possibly get from my account... I asked them about it and was told that they usually charge accounts for the larger amounts first and then the others, which is a very POOR excuse for doing what they did in this case... I have complained about this to them, but it does NO GOOD! Supposedly they are suppose to HELP people with managing there Money and try to Save them also, but they sure do not show it here with what they did with me... They are only out to take your Money and nothing more, they are Thieves and something needs to be done about it... I have had other circumstances with them also involving similar problems with NSF Fees charged without any regards for Senior Citizens, as they get Paid only once per month and they seem to pick them out of all of the others and harass them with charges and multiple Fees, etc... I even had a Overdraft Protection with them and all of a sudden I now do not have it for NO Reason of my knowledge, they just canceled it and now I cannot get it again... so they charge me for the Full amount of NSF Fees...
Wachovia Bank, I have seen by others and myself, is a very BAD Bank to do business with, and I suggest that everyone remove themselves from it and Do Not have anything to do with them, as also I will be doing this, shortly from now...
The complaint has been investigated and resolved to the customer’s satisfaction.
Well Wachovia Bank is no longer around any more. get a hold of the bank that now in charge of it. And probably the ATM messed up.
On December 9, 2008 I attempted to withdrawl $70.00 from an atm. The atm did not give me any money because of insuffient funds. When I checked my Wachovia Bank account a withdrawal for Columbas Bank of $72.50 was deducted from my checking account on 12/09/2008 along with an NFS charge. I called Wachovia and explained to them that I never received the $70.00 from the atm. They enouraged me to fill out a Check Card Dispute Form and went ahead and reimbursed me for the $72.50 and the $35.00 NSF charge. On Jan. 6, 2009 I again noticed the same charge of $72.50 atm withdrawal. So I called Wachovia again and they said that they researched my dispute and found that there was no machine malfunction and that the transaction was completed. I called [protected] to ask them to research this again until my dispute was relsolved they referred me the the Columbus Bank where I used the atm on 12/09/2008. So I called Columbus Bank and they said that no money was missing and that I got my money. I had to explain to Columbus Bank that I know no money was missing from the ATM because I didn't get any money out of the ATM because of insuffient funds! Columbus Bank said that I would have to be reimbused for the $72.50 from Wachovia and that instead of filing a Check card Dispute file a Dispute for Fraud and that way they will get the video from the ATM and see that I didn't get any money. So AGAIN...I called [protected] and after an hour and explaining myself to more than four Wachovia representatives they finally put me on the phone with a man that simply said I was not getting my money back and I could not file a fraud dispute because there was no machine malfunction. My next step is to file a police report and try try again. It is not even about the money anymore...it about the lack of respect. No one will help me...so now I am going to have to take my lunch hour and go to Wachovia Bank to try and get my money back because of the principal of the matter. It shouldn't have to be this hard.
Wells Fargo - overdraft fees
I made 4 purchases with my debit card with available funds. Wachovia put those funds on hold then charged me $35 overdraft fee for each transaction when it posted.
Read full review of Wells Fargo and 22 commentsabusive and harrassing phone calls
I have been a long time customer of Wells Fargo having had a second mortgage and a loan at different times. They offered me a credit card which I have paid on time for 4 years. Due to an emergency, I was late with my payment. The calls started the day after the missed payment. I answered and told them I would pay on the 19th when my Social Security check posts. They laughed and told me they would call me every day. They have and I told them the same. On my 10th day past due and I called to see if I could arrange a plan as the daily 8:30 am & 5:30 pm calls 7 days a week were driving me crazy. The Rep offered me a plan where the payment would be more than the regular payment. I could not agree because I can't afford it. I am now filing complaints with any agency I can. If you have been a Wells Fargo Customer don't think they will fairly work with you if you fall behind. If you have a WF credit card get rid of it.
The complaint has been investigated and resolved to the customer’s satisfaction.
Yes bob brinker is the way to go and he has a radio show once a week too to stay away from the sharks and invest and lean to invest your own money, www.bob brinker.com... a great website
my advice to you is to go on line and get the bob brinker newsletter and he teaches you to handle your own money, , I have made nothing but money with his portfolio recommendation spread, , you do your own, , no fees and unlike ric edleman who charges 2% annual fee, , there is no fee, , check it out
I had my money initially with Wells Fargo in about 2006 in Texas; The advisors, got nasty with me one day and I switched and trusted A.G. Edwards, who latter became Warsovia and presently is under the umbrella of Wells- Fargo . The financial advisor that I went to get and promissed to take great care of my portfolio; lied to me and became abusive, unethical and used every opportunity to intimidate me, give me misleading information and Harass me to the point that I lost considerable amount of money. This advissor now is at Wells Fargo here in Texas. I have yet to find any attorney that could represent me inspite of the loss of my money.
I had to move my portfolio to New Mexico and there the other financial advisor was influenced by the the initial financial advisor in Texas and they continued to mislead me up to the point that they washed their hands to the damage they done and I received a letter where they told me to move my money out of their firm or they would charge more money.
Harrasment, intimidation and causing harm was the name of their game.
Till this day I have been looking for help to recover what I lost. I believe because of their harrasment and intimidation tactics I have a case and should recover what I lost.
I have contacted FINRA but also read that they are not very helpful; that they encourage consumer to persue justice only to leave the investor with no case.
Now I read that in Investment News August 5, 2011 " Former A.G. Edwards execs are out at Wells Fargo." Trio of "old guard "left last month" .
What am I to do now it is clear these financial advisors are wolfs dressed in sheeps clothing.
If anyone, out there knows of a lawyer that would be willing to be trully interested in the justice and protection of my rights. Please let me and others know that there is some hope out there.
There is no justice yet in my situation here in Texas and New Mexico.
These advisors have no interest in the investors, beware . Please Help!
If you want your hard-earned money to be mis-managed, I'd urge you to put your money in the hands of a Wells Fargo Advisor. If you read their contract, and don't understand it, they'll provide you with mis-information and lies.
I completely agree, Wells Fargo "financial advisors" are the worst. They are no more then a teller with a title. After wading through a ton of misinformation from the Larchmont Branch that is costing me over a thousand in fees and taxes, I am changing accounts to another branch. Their "financial help" is laughable and when complaints were logged with higher ups, Lucy Babiryan or Greg Simidian nothing was done. Meanwhile, while on hold for this egregious help you listen to a recording that says how Wells Fargo works for small business and individual banking. Ludicrous.
I have a lot of positive feedback for WF. I have my brokerage account with them along with my personal accounts. Maybe it's different down here in Orange County, but I have to say WF is def. your best choice in this type of market. Their bankers and fc's have always guided me in the right direction, unlike many other financial recourses that hire low paid sales people. Kudos to Wells for keeping my money safe!
I would like to complain about the the so-called financial advisors in wells fargo at the larchmont village branch in los angeles calif, , I have to put together a money spread for my mother and the young guy that calls himself the financial advisor, wouldnt give me the timeof day until he found out My mom had a private banker at the san francisco branch and she is also a Vice president, , her name is Margo Maxie, , I had to go in 6 times until they gave me the portfolio spreads which they call wealth Building portfolios, , yeah, , first this man, Ernest Kim is a graduate of UCLA, , and what does he know about investments and what does he have in his bank account ? hummm .. get real.. he isnt listed in scramento as a financial advisor, , another bank employee and he has millions of dollars in his hands? yeah.. get real.. and the conservative portfolio pays 3 % and they charge 1 and 1/2 % maintenance monthly, , I am not supporting them and have wells fargo lend out the cash at a high rate of interest... these flake investment advisors are not qualified and this Ernest Kim is not, , get us out of here ... this is a red light if I have ever seen one...
terrible customer service
Worst customer service I've ever had with any bank. A lot of hidden and unexpected charges and fee. When I close the account, the Branch Manager told me I had to personally go to a bank and close it off. When I brought my balance to $0, she said I could call her the next day and she will close it for me. I called and she was never available (either in meeting or on the phone), or returned my call. I found out now, I can just all the general number and close it off. They really suck.
The complaint has been investigated and resolved to the customer’s satisfaction.
First off, I'd like to preface this by saying that I have worked in a bank in all positions, excluding personal banking and management so I know how a bank should operate and what they are and are no capable of doing, the only reason I no longer have an account at my old company is because I moved from Canada to the US. In addition to this, I have worked in sales and customer service for 14 years. The Wells Fargo that I frequented just opened this week, in a very community based area, which is what makes this incident all the more disappointing.
I had to cancel my debit/credit card last week as I had lost it and while waiting for my replacement card, I had to go into the bank yesterday to withdraw money. I did so by writing myself a cheque to cash and left ( $60 given in three $20 bills). Bear in mind, I don't have an ATM card so that is the only way to get cash from my acct. This morning, I went to buy something in my neighborhood and when I went to pay with one the $20 bills that the teller gave me yesterday, the business owner was hesitant as the bill was very old and looked like it may have been fake (the bill was from 1973). He asked that I get a new bill or get it verified. I wasn't upset, I just crossed the street and returned to the same branch I frequented yesterday and asked that they check the bill and issue a new one if indeed it was a counterfeit- I was sure that the bank would assume responsibility for giving me a faulty bill. ( Any central bank teller, if they are doing their job properly should sort through the bank's bills and remove "mutilated bills"; anything that can be seen as a bill that should be taken out of circulation. The bank sends these back and gets the money replaced with newer bills). The teller explained that she needed to talk to her manager then went to another teller and asked a question. When she came back, she told me that it was my responsibility to know if a bill is real or fake and to take action before leaving the bank. I told her this was ridiculous: I withdrew money from my acct and the teller that deducted that money gave me what appeared to be fake money and because I was in a rush and trusted that a bank carries real money, that's my fault? I told her that understood it wasn't her fault but that I needed to speak to her manager. At that point, she went to get the manager- a different person than the teller she had just conferred with- and when the manager came over to where I was, once he had safely locked himself behind the protective glass (which was just comical, I'm a 110 lb, 5'3 in, female) he finally acknowledged me.
Here's where it get offensive. The manager tells me that " There's no way this bill came from this bank"
( verbatim). When I explained that it's on my acct profile that I didn't have a bank card and that there was no way I got the bill from elsewhere, he went on to say that since it was brand new branch, there was "no way the bill could be from here because obviously, this bill is fake and that would just never happen, we're brand new just like all of our cash." He then went on to say that he understood my frustration but there was nothing that could be done since the bill didn't originate from Wells Fargo. So what I got from him was:
1) Even though I'm client ( with a good banking history) I'm lying.
2) I took the bill I got from the bank and exchanged it for a counterfeit and decided to go to the bank and get them to assume responsibility. ( Yeah, that makes sense. In addition to the hassle, that's just stupid.)
3) It doesn't matter what the situation is, they won't help.
I told him, that it was a real shame that this is the way the branch has chosen to handle things seeing as it's their first week being open in a tight knit community.
Here's the kicker: After leaving, I went across the street to another bank and asked them to check the bill for me. Turns out the bill was REAL and they took it and issued me a new one. So, not only does Wells Fargo treat their customers like dirt while other banks will gladly help but they don't even do the most basic part of their job at Wells Fargo. If the teller and the bank manager had taken the simple step or running the bill under a counterfeit checker, this whole thing could have been avoided. I was sufficiently upset at Wells Fargo and have told the tellers in the competing bank about my experience as well as several others that I came into contact with today. I will continue to spread the word that Wells Fargo stinks. I also dropped everything I was doing at the time to call and file a complaint against the manager and the branch.
It's shame that the unintelligent drones that work there don't understand the concepts of customer service, respectful approach, word of mouth marketing and how one dissatisfied customer can lead to a greater loss of business.
I have seen many complaints about ASC. ASC is a front for Wells Fargo. On the upper right hand side of your bill is a correspondence address. If it is PO BOX 10328 in Des Moines, Iowa 50306 your branch of ASC is affiliated with Edward Jones Mortgage, LLC. These guys are affiliated with Wells Fargo Ventures, LLC. The bottom line is the top of the food chain here as best as I have researched thus far is James Strother, EVP and General Counsel of Wells Fargo & Co.. His listed address (assuming it is his business address) is 633 Folsom St., San Francisco, CA 94107. He sits in a fairly prestigious position on the Wells Fargo Board of Directors.
From what I can tell he is the head of this monster. I have been researching this for a few hours and it is 4:44am so I am going to bed. I will add to this as I uncover. Next up is his phone and fax. There is also an ASC operating out of St. Louis, MO tied to Wells Fargo Resources, Berkshire Mortgage Co. and Texas-Western Co., whoever they are. They are next. Once we have some names and faces to go after we can start asking for professional treatment or we can pursue litigation. It is time to force these skunks out of the shadows they hide in.
Last Saturday, at a local restaurant, I tried to use a Wells Fargo Credit/Debit Card. The card was denied and I was told there was a block on the card. I called Wells Fargo and talked with a customer service person who kept asking for verification questions and after answering the questions, she continued asking for more questions. After the second round of questions I asked for a supervisor. The supervisor read from a script and told me that the $40 dollar transaction was unusual and that is why a block was placed. I told her that I wanted to avoid this problem in the future (Wells has done this twice now) and asked what was unusual about the transaction. She told me it was unusual because of my patterns. I asked what was unusual about the pattern and was told that it was an unusual transaction. I then asked for this person's supervisor and was after introducing myself, disconnected. This is the most hokey unprofessional company imaginable. I don't think they could transact business in a worse manner.
We have been locked in for 30 days and are constantly being asked to give the same information we have already given. No cooperation from the person handling the refi.
We are casting a documentary about unfair bank policies. Looking for stories with complaints about banks. If you are cast we will pay you. If interested contact bellmartel@sbcglobal.net for more information. Casting needs to be concluded by May 1st, 2009.
I have an auto loan with wells fargo...they are usually quite pleasant and helpful however TODAY...I spoke with a young woman that obviously needs training in Customer Service and a serious attitude adjustment. She should attempt another career because client interaction definitely is not her thing. I think her name was "Shanika...Shamika" who knows. Get another job girlfriend!
charging bogus nsf fees
How is it LEGAL for the banks to do these things? After reading everyone else's stories, I'm glad to know that I'm not the only one dealing with this, and that I'm not crazy! I've been banking with Wachovia for about a year and a half. I have a checking account with them. During the year and a half that I've had the account, I've paid out around $1, 000.00 in bogus "overdraft" fees to Wachovia.
I'll give you an example - say you have $200.00 in your checking account, and you make a $100.00 purchase using your VISA debit card. If you do not use your PIN, the transaction is run as "credit", the $100.00 is immediately deducted from your available balance, and the transaction is moved over to the "pending transactions", where it sits for 3-5 days. At this point, you have an available balance of $100.00. So now, let's say you make three more purchases - one for $10.00, one for $20.00, and one for $30.00. That leaves you with an available balance of $40.00...
A few days later, you look at your account and realize that you've been hit with several "insufficient funds" fees. You HAD an available balance of $40.00, and all your transactions were already deducted from your original available balance, so HOW can you be negative?
Here's the explanation I got from Wachovia...
According to them, when you make a purchase with your debit card - whether it's run as a debit or a credit transaction - the money is immediately deducted from your available balance, and the transaction is shown as "processing" or it sits in the "pending transactions". However, once the each transaction is posted to the account, they charge them against the available balance AGAIN. You are charged twice for each transaction you made - once when the initial purchase was made, and again when the transaction posts to the account.
So, with the example I gave above, here's what happens...
You have $40.00 in available funds in your account, and your transactions are pending, ready to be posted. Your total transactions are $160.00. Well, since your current available balance is only $40.00, it's less than the amount on hold, so they count it as a negative balance. WHAT? They already deducted it from my balance... why do they deduct it TWICE?
To get bogus fees, that's why. They are ripping people off left and right, and if you ask them about it, you get nothing but nasty attitude and excuses. No one at Wachovia can seem to give a reasonably intelligent answer as to why they operate this way. The only answer I've gotten is "that's just our procedure".
I honestly don't understand how this is legal. It's THEFT.
I've been having the same experience. I balanced my checkbook and thought I had a balance of around $200 yet when I go online to check, it says I only have $60. There were some extra fees there, but when I deducted those, it wasn't enough to explain the discrepancy. I went to my local branch to complain but all they did was print out a bunch of transactions, the same ones I could have gotten off the website. This isn't the first time this has happened. Wachovia is siphoning money out of my account and considering that I have to save up for school tuition, this makes it beyond unacceptable to downright criminal. I've decided that I'm going to close my account and find a good online bank. I am angry but at the same time relieved that I'm not the only one this has happened to.
I, too, am a victim of Wachovia and think I am going to file a complaint with the BBB here in Nevada as well. On more than one occasion, when I did the math and believed myself to be in the clear, they have charged me with bogus NSF fees at $35 a pop! Just today, for example, I was checking to see that my rent check and some other household charges had successfully gone through. There was $40.97 when a check for $35 came through and they bounced it! There was enough to cover this check and they bounced it and charged me $35. This is highway robbery and must be illegal in some way shape or form.
I have decided to fight fire with fire and blow the crap up out of them all over the web, mainly on social network media sites like Twitter and Facebook. I have followed them and become a fan so they will now see my posts and hopefully respond. I want my $35 back and a letter to give to the person whom the check was returned to. This is [censored].
The best is', both transactions have the same number, that is normal at every clearing house, when the second transaction arrives the first transaction must be deleted.
Wachovia has altered his software to raise funds with our money. the first quarter of this year has a 3 billions profit (from our money) and I'm very concerned about this money is used for million dollars bonuses to the biggest thieves at Wachovia.
Sorry for my little english.
A review of my online statements for my checking account with Wachovia Bank shows Predatory banking practices by Wachovia.
On August 15th, 2008 my account balance was $2, 841.52. In my account statement Wachovia banking fee of $280.00 was taking out of my account. Wachovia claims that the $280.00 fee was because my account was negative. However, as of August 18th, 2008 my account has a positive balance.
Wachovia states that the $280.00 fees were deducted because the items that were posted to my account on August 19th, were taking out of my available balance on the date of transaction causing 10 transaction after to be over drown.
Wachovia then deducted an additional $175.00 (dated August 19th, 2008) for the funds that were previously taken out of my account and reduced my available balance on the date of transaction; stating that the date the transactions were posted to my account my account was negative.
How can the amount that was ALREADY deducted from my available balance on August 17th and 18th, (Positive balance) and posted on August 19th be overdraft/unavailable? This is PREDATORY banking practices.
I have since review my account history and found this to be common PREDATORY banking practice of Wachovia Bank.
I asked the State District of Columbia Department of Insurance, Securities and banking Enforcement and Investigation Bureau to investigate Wachovia PREDATORY banking practices. They refer me to the Office of the Controller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010, telephone [protected], fax [protected] for assistance.
I would recommend that everyone send a letter and fax to the office of the controller of the Currency reporting the Wachovia PREDATORY banking practices.
I COMPLETELY agree with you! I, too, have been fighting Wachovia over this. It should be illegal! I made complaints to the BBB and also contacted the FDIC, who directed me to another entity. Wachovia "generously" gave back the $105 they STOLE from me as a "courtesy" but ONLY after I reported them to the BBB. They were rude ON the phone, IN the branch and Online. I HATE this bank!
deceptive auto loan
Wells Fargo Acceptance sought me out for refianancing of my auto loan for a 2005 Ford Taurus. The balance of my loan with Ford motor credit was around $10, 000.00. After expecting the fianancing with Well Fargo I learned through their deceptive practice of charging minorties with higher intrest rates. I learned I now owed them $28, 000.00 to my surprise and I was completely upside down in what my car was wroth in the blue book.
Well's Fargo began harrassing me and I had to seek bankruptcy protection from the State of Kansas. My attorney David Reed of Kansas miss represented me in my case and refused to represent me and I am now facing repossion of my car.
Can you offer any advice for me because they are trying to destroy my credit and are trying to accuse me of stealing my own car. I feel helpless because I belive this is preventing me from obtaining a job.
Any suggestion HELP HELP HELP
I personally think that wells fargo is nothing but a scam. We have been paying on our 02 ford escape for almost 4 years and still have not hit under the 10, 000.00 mark. Our payments are 410.00 every month, when we tried to refinance w/ them thinking it would be a good idea beings we have been w/ them for so long they refused us. These people are outragious and are robbing us.
They are doing almost the same thing to me, i was told i would have a high payment for a year but if i paid on time they would lower my payment thereafter, my credit is not good and they decieved me now i am upside down on my car loan and they will not lower my payment...
they took my money without permission
I made a payment to Wells Fargo and they still went into my bank account and took some more money without my permission, my account is over drawn and so many checks have bounced. They are talking about they sorry. I advised them that I want my money back now. I can not wait until I get at least 2 more years off this stupid *** loan, so I can trade my car in and get the *** away from Wells Fargo. I’m a claims adjuster when I get a single car accident claim and the lien holder is Wells Fargo and the vehicle is deemed a total loss you kind of put two and two together.
The complaint has been investigated and resolved to the customer’s satisfaction.
I am so upset and angry with Wells Fargo! I have had my mortgage with them for 7 years, and have it set from my personal bill pay to make the payment, this month they took it automatically along with my billpay .. I have asked them to refund my extra payment and they wont! after many calls to wells fargo, I am withdrawing all my money and going to another bank! This banik is an absolute nightmare! don't go to wells fargo!
My step-daughter has a car loan through Wells Fargo and it has been horrible. They constantly call and harass me (I am the co-signer) about late payments or missing payments. When I talk to my step-daughter she is adamant that she is current and is not behind. When I get on-line and check her account they list it as being current. Now, mind you, she is in the Navy so her payment comes directly out of her checking account. These people are idiots! They have even put unnecessary insurance on her vehicle without asking her, charging her another $1000 dollars. They made her insurance company fax information to them to prove she had insurance. They have taken payments out of her account before due dates, or taken more money out than neccessary. This bank is an absolute nightmare! Stay away from Wells Fargo!
foreclosure
I agree with everyone on this comment board and I am so sorry to hear about all the trouble that you are all having. This is the reason I started my company. I have helped several people that have mortgages with ASC, Countrywide, and other mortgage companies that don't seem to care if they harass people or suck them dry. The comments I have heard are along the lines of trying to get blood from a stone or turnip, or something like that.
Contrary to what some people have said on here, I am not trying to be one of those people I mentioned above. My company is a nationwide company that provides services for people that are at the end of their rope. One of the helpful things that we provide is letting you know, before payment for service, if we can assist you and if we can not. If we can not, we tell you why not and what can be done to allow our company to assist you. Most companies won't do that, but we will also give you the reasons why exactly so that, if you should choose a different service, they will not be able to scam you. Now that's a way of saving money too.
I have a service that actually will take you out of the loop of contact with ASC, or Countrywide or whomever you have servicing your loan. All you have to do is tell me how we can help you. By that I mean, tell us what you are looking for us to do for you and we will pursue the help that you want, no matter what. We have all aspects of the mortgage business covered from being a mortgage mediation company, a title company, a real estate company, all the way to having access to attorneys for litigation or help to avoid foreclosure. No aspect of help is turned away.
Let me tell you, most of the customers that I deal with have told me about the fear and the frustration of working with mortgage companies that don't seem to care or give them the runaround. To be totally fair, mortgage companies have their ways of dealing with people. Some are good, some are horrible. But one thing all mortgage companies love is being vague. When they are vague, they don't have to give you information until you ASK for it. How does that help you? How can you try to save your home if you don't know how to ask the right questions?
That’s another reason why I created this company. I take your number out of their "system". When they mail you something, it goes to me. I take the burden away from you so you can live your life without the phone calls and the letters. And the rudeness! Oh, man, if I told you some of the stories I have heard...let's just say, it’s not pretty.
I know that some people are going to look at this comment and go, this guy is trying to drum up business. Well, you're right. But here's the kicker. I used to work in mortgage collections. I used to make the phone calls and send the letters. I used to work around the people that make your lives hell. And I kept asking myself, why? Why are these people not being told about the help that’s readily available? Why are these people not being helped to make payment arrangements that are realistic? Why does this company care more about the money than about customer service when that is supposed to be their primary objective?
That's why I got out. I can not stand collections. Just because they are hiding behind a company name they think that they can say anything or act anyway they like with the customers, being friendly with one and the next 40-50 they can treat like crap. Where is the customer service?
I take all that frustration away from you and create solutions that work. I know that it may be hard to swallow, but I do. I have done it for several people. And I can do it for you too. If you want more specifics or just want to talk to me, call my office at [protected] and check out the website, which is being updated with a few new options available. And this isn't just for people facing foreclosure, people that are current and want to pay off their home early, call me. I can and will help as many people as I am able to. What have you got to lose? Website address is http://www.onlybusiness.com/members/RealtyMediationService...and if not for you, best of luck. In all your endeavors.
I have been in a 10 percent interest only Mortgage with americas servicing company for 4 years. I have been through 3 foreclosures and will going into my 4th. I have worked very closely with americas servicing company ASC on the loan modification process to prevent foreclosure and they have used consistant STALL TACTICS. These tactis include LOSS or claiming never to receive paperwork. Incomplete paper with notification as long as 3 months later to tell you your paperwork is incomplete. NO goverment affiliation or programs offered (ASC is a servicing company for note not a bank) they are not working with the federal goverment on any foreclosure prevention or lower interest. They only work with the guidelines of the note holders approval. There latest tactic was to inform me my title was in lien status. After 6 weeks of research and contacting mutlitple ttle companies and escrow companies I have learned that mortgage lenders when selling loans use a system called MERS Mortgage Electronic Registration Systems, this was to save them money on not filing recording documents, title paperwork or paying fees, keeps the mortage lien with the original lender that the loan was paid out by. So when itcomes time for you to refinance or modify this loan it will show the original note holder and previous lien holder on title. They ASC wells fargo told me thatthis was my issue to solve and after many weeks it has become clear that notonly is this not my issue but my titl was clear and correct and was never in a lien status for them to deny me. AGAIN by using stall tactics these companies continue to make high interest, foreclosure fees, late fees, escrow fees (which is crazy because as we just learned they don't use escrow companies.) I feel like sue them, I filed for my loan modification in April 2009 and now DEcember 2009 i have not made any progress with this company have been denied a loan modification because to the liens from previous lenders that were paid in full. I faxxed them the conveyance paperwork, the title reports, the county on line links to the documents showing NO current liens and me as the primary person on title. And still the ASC wells fargo representive MArgaret Stalls says I need to fix the title. My reply " there is nothing to fix!" Wow so if i count the months and the 10 percent interest only payments 3200.00 month, times 10 is 32, 000 plus late fees, plus foreclosure fees and I am at 42, 000.00 to release my home from foreclosure. They are of course offering to put it on the back end and my new payment will be 2200.00 which is still almost 6%. What a deal, make the loan bigger, still pay a ridiculous payment and cause my life and unrest! Thanks Wells fargo and ASC Call State of Iowa Attorney Generals OFfice and you will talk to a representive that has filed 3800 complaints of similiar nature. I am sure the Senator for this distric is well padded.
http://wellsfargocaught.blogspot.com/
They are crooks and I agree with you. ASC uses stall tactics. Do you think it help to send a letter to the Attorney General in Iowa or is it a lost cause? I live in New York and can't find out anything about this company othr that it is dba Wells Fargo, but Deutsche Bank is foreclosing. I can't figure this one out - so are they the note holder? That is not what is not the name on the note! Help anyone to explain this to me.
Today I spoke with actor DEON DERRICO spokes person from DEON DERRICO Entertainment Inc. and they stated that the property that was purchased for the company's business have all been saved and once there legall team stepped in and provided proof of the pay and other legall issues that could not be mention, as of 07/27/09 but they assured me that once everything was finale it's going to be broadcasted on all local stations.
Maria Beuno, LA CA
I think that is great that you have started a company to help people, but you shouldn't have to.
I understand that it is not ASC's fault when someone is legitimately behind on payments, however, the way that they treat people is unacceptable and, frankly, immoral. We are behind on our payments and have been working since April to get a short sale approved. We have faxed our paperwork at least 10 times. We are first told that it is rec'd, but not scanned into their system. We are later told that it was never rec'd. It is July and we have not gotten one thing done with them. Each time I call, I have to schedule and hour to talk to them and end up crying at the end because they have no answers and just don't care. Now, we have a foreclosure date in September and they say that they have time, yet it could take 90 days. We have already spent over 2 months trying to work with them. My point is, treating people like this should be illegal. They are playing with people's lives. Does anyone know of anyone to file a complaint with?
Wells Fargo In-depth Review
Overview: Wells Fargo is a well-established and reputable bank with a rich history in the banking industry. As one of the largest banks in the United States, it has built a strong reputation for its financial services.
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Interest Rates: Wells Fargo offers competitive interest rates for various types of accounts and loans. By comparing their rates to industry standards and competitors, customers can assess the value they receive. It is recommended to explore the specific interest rates for different products to make informed financial decisions.
Customer Satisfaction: Customer satisfaction is an important aspect to consider when choosing a bank. Wells Fargo's customer satisfaction can be evaluated through reviews, ratings, and feedback from its customers. While there may be positive experiences, it is essential to consider any negative feedback to gain a comprehensive understanding of the bank's performance.
Security Measures: Wells Fargo prioritizes the security of customer information and implements robust security measures. These measures include encryption, two-factor authentication, and fraud detection systems. By employing these security measures, Wells Fargo aims to protect customer data and prevent fraud.
Financial Stability: Wells Fargo's financial stability is a crucial factor to consider when entrusting a bank with your finances. With a strong credit rating, profitability, and a proven ability to navigate economic downturns, Wells Fargo demonstrates its financial strength and reliability.
Community Involvement: Wells Fargo actively participates in community initiatives, philanthropy, and corporate social responsibility efforts. Their involvement in such initiatives showcases their commitment to making a positive impact on society and supporting the communities they serve.
Additional Features: In addition to their core banking services, Wells Fargo offers various additional features and benefits. These may include rewards programs, financial planning tools, or educational resources. These additional features enhance the overall banking experience and provide customers with added value.
Comparison to Competitors: When considering Wells Fargo, it is important to compare its services, fees, interest rates, and customer satisfaction to its major competitors in the banking industry. This comparison will provide insights into Wells Fargo's competitive advantages or disadvantages, helping customers make an informed decision.
Conclusion: Overall, Wells Fargo is a reputable bank with a wide range of services, accessible channels, and a commitment to customer security. While it is important to consider fees, interest rates, and customer satisfaction, Wells Fargo's financial stability and community involvement are notable strengths. Potential customers are recommended to thoroughly evaluate their specific banking needs and compare Wells Fargo to other competitors to make an informed decision.
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what the hell?! 6 (opinions to this review) Zelle online scam 2 (opinions to this review) Unauthorized transactions, unauthorized, accounts, failure to cooperate with law enforcement 1 (opinions to this review) I was scammed out of money from my account and Wells Fargo refused to reimburse me. 1 (opinions to this review) A branch manager cannot order a replacement atm card! 1 (opinions to this review)Recent comments about Wells Fargo company
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