Wells Fargo
reviews and complaints

I am a sales associate at a sewing machine business and recently had a gentleman come into the store looking at machines. His home address was about 100 miles away and I know there are several sewing machine dealers located between our 2 locations. First red flag -

Long story short
He chose a sewing/embroidery machine for his daughter valued at 2800. He immediately pulled out a checkbook to make his purchase. I noticed immediately that the pre-printed address on the check was all in lower case letters. No capitalization of proper nouns! I found this very unusual.
Then I noticed when checking his license (which ended up not really being a license) that his last name was spelled differently by one letter. He didn't seem to be aware of this. Anyway, Wachovia Bank was listed on the check with the phone number 1-800-wachovia. So I called, and 3 times I was shifted to an automated system. I couldn't get any help from any live person. And it was awkward because the customer was standing across the counter from me the whole time. If this was a scam he really played it cool.
I ended up calling another store employee because I wanted the customer to be aware that I had someone else on the phone... I told him that it was our policy not to take any out of town checks without at least 2 forms of ID, which he didn't have. I told him I would hold the machine for him and he said he'd return in a few days. Obviously, he never returned.

I think Wachovia should be aware of this and yet when I called a 4th time after he left, and insisted on speaking to a real person, she didn't seem at all concerned and wasn't really interested.
hmmmm

Mortgage broker Steve Tandy and the Wells Fargo Bank Mortgage people are refusing to honor my written contract approved mortgage committment. We have had 3 prospective closing dates that have all been aborted by Wells Fargo due to some mysterious new problem each time. We moved out of our (sold) old house and are now kept homelss while waiting to close on our new condo. They have thought of every excuse in the book for not giving me my mere $80, 000 mortgage on the $418, 000 property. They do not want to honor my mortgage contract with them. How is this possible. It all has to do with some internal guidelines that can be overridden In-House. The mental anguish of this tortorous rollercoaster ride is now unbearable. I already had the certified checks cut for the last scheduled closing and we were walking out the door when they called and said "no closing" due to some documentation problem. My mortgage was approved and packet received on January 23, 2009. Today is March 12 and they still won't release my money! I want to sue them for the mental stress put on me and my family - and for the rental cost of living like a gypsy during out state of being in Limbo. This is an absolute disgrace. Our builder has not seen anything like this in 21 years of construction. The bank attorney has also stated he's never seen anything like this ever.

I am very troubled by Wells Fargo not seeming to be able to deliver my payments in a timely manner. I have other banks that have billpay and they always manage to only have a 1-2 days difference between debiting my account and paying the check. With Wells they constantly take money out of my account and it takes seven or more (this month you debited my acct on 2nd and as of 9th the check is still not received) days to get the payment. The mail from CA to my state only takes 2 days so it means Wells is holding money for 5 or more days between the time you debit my acct and you send the check this is not fair business practice to hold my money for so long and do what I assume you do on all accounts which creates millions of dollars for overnight sweeping and for 5 days that is a big amount of interest. I say this because NO other bank I use has such a long lag time in payment receipt and I believe Wells needs to be held to normal standards.

I contacted WF regarding a short sale on my home after losing my job. It took three phone calls to receive the correct paperwork needed to begin the process. After I returned all that was requested I received a letter stating my short sale had been denied.
Upon contacting customer service I was told it was due to not submitting all the required forms.
They had in the computer that had tried to contact me several times regarding the matter. Being with a cable company for my telephone I was able to bring up my last 90 days worth of phone calls, both incoming and outgoing. None were present from WF. I told them they were liars in addition to being idiots at customer service.
My assigned agent has had a full voicemail box for over three weeks making leaving a message impossible.
I had copies of all my faxes, emails and phone calls with dates and times, however, none of that mattered with their dishonest way of doing business.
I would never use WF for any banking service and have told all of my friends to do the same.

My experience with Wells Fargo was the worst of my professional career. My first interview was conducted by the district manager. We talked about the job expectations, like providing a good customer experience, upselling products, opening accounts and handling service related issues. I asked about compensation, and was told low 30's to start, with a lucrative incentive compensation package. He said, and I quote, "The numbers are easy to hit, in fact I think they should be higher." I then met with the store manager. She gave me a little more insight to the job, like meeting with employees of certain businesses to discuss their membership banking program, and building a pipeline. I was then called a few days later and offered the position. Starting salary, $14.02/hour. Yeah it was a big cut in pay, but remember the lucrative incentive program, the numbers are really easy to hit, right, so I can make up for it.
My first few weeks were spent getting to know the systems, observing other bankers and trying to get a handle on things. So far so good, except for the stupid huddles every morning and the blatant butt kissing. I would actually get embarrased because the brown nosing was so bad. After about a month, it was time to go through the formal training. Our trainer was ok, but there was one thing that really chapped all of us. You were forced to park in a lot nearly 3/8 mile from the door, while the lot at the building had at least 100 open parking spots. In South Dakota, it can get pretty cold in the fall, and the wind blows out of the north almost every day, so walking in to that wind was a rotten way to start your day. I finally started parking in the employee lot, I mean really what were they gonna do, fire me? At the end of training, we were finally told about the incentive plan, and I can tell you, you could feel the energy drain out of the room.
The incentive plan at Wells is this, you have to not only hit the high numbers, but maintain those numbers for a quarter, and average 100% across all matrixes in order to get paid. Let me explain: There is a category for core solutions, you need 8 per day average for the quarter. So if I hit that, do I get paid? No, you must also generate $500 profit per day per quarter. Ok, so if I get that, will I get paid? No, you must also generate 14 partner referrals that close in that quarter. Ok so if I hit that, will I get paid? No, you must also generate 9 loans with a volume of $192, 000. That is almost half of the loan expectation from last quarter, because despite the fact that the government gave us billions in TARP money, we cut our loan volume in half. Instead of helping the American people with this money, Wells Fargo decided to buy another bank, Wakovia. Now you don't have to hit all the categories 100% to get paid, but you must average 100% across all matrixes to get paid on the ones you hit. So, what do you think the quarterly payout is per matrix? About $200-$250 per matrix. Disappointing. And to top it off, only one banker in our DISTRICT made incentive last quarter.
Now I'm just plain mad and disappointed, but we have this crappy economy going on, and I need a job, so I'm thinking I'm going to have to stay here until I find something else. Now my manager, I'll call her Lori, is still on us about what we are going to do to be successful. We are EXPECTED to make outbound telemarketing calls. You know those guys who call you at dinner from the phone company, the policeman's ball, and the disabled veterans society, yeah, add Wells Fargo Personal bankers to that list. We were also expected to call the local high schools, so we could talk to the kids about our college and teen checking accounts.
Now I know I had a bad attitude, but I would have never accepted the job if they would have been up front with me about the job expectations and the pay. I also had a co-worker, I'll call her Stephanie, who would tattle on me for little things like something I said to another co-worker, or playing a game on my computer. My boss, Lori, would continue to harrass me about why I wasn't hitting the numbers, and my attitude continued to worsen. Finally they trumped up a charge of me commiting a policy violation and fired me. It was the best day in my recent memory. In conclusion, if you are thinking about a career with Wells Fargo, please remember the things I have told you. If you don't mind low pay for really hard work, maybe this is right for you. Don't let them try to dazzle you with the job title and the promise for comission, because it takes the average banker more than a year to hit it. And you will be a telemarketer, I guarantee it.

After reading several complaints posted, I felt compelled to add another chapter to "The Saga of Wells Fargo". I too, had the "no insurance" thing with Wells Fargo. I purchased my vehicle in May of 2006, unbeknowing to me that the financing was through Wells Fargo, at a decent, but not great interest rate. Anyway, I paid each payment on time from June through December, but apparently had made the fatal error of changing insurance carriers in August. I received notice from Wells Fargo and responded by having the new insurance carrier fax yet another copy of the proof of coverage to them. But alas, it was too late. They had already billed the account for insurance. Like all the other complaints I've read, I was the receipient of numerous daily calls from them. I would let it ring through until I was totally "ill" and then answered the call. I argued with countless collection agents, even pointing out that according to the on-line payment history I had 8 payments due on the account since opening, and had made 8 payments. How could I be behind? FINALLY, one of them said that my payment had been re-routed to cover the insurance! They had taken TWO of my payments and posted it to insurance! It took like two months, but finally they got everything reversed and corrected. I even called an attorney that I once worked for about it, and was advised that I should just pay the extra two months and go on...that's how concerned lawyers are over our plight. I, of course, did NOT send money I did not owe, but just kept on and on til I finally got it fixed. And it did finally did, but, just like the other complaints stated, nobody ever offered anything resembling an apology. I finally had gotten through to some "supervisor" who actually knew what he was looking at...seems that the NEW insurance declaration had been received, THEN the old insurance sent a cancellation. They posted the new policy, then showed lapse when the old policy expired...WHOEVER entered the information did not bother to READ the documents. GOOD LORD HELP US! I guess these poor folks who went to work for Wells Fargo were really desperate for a job...you know as well as I do, that these people calling us are only common folks like the rest of us, trying to etch out a living for their family, and Wells Fargo had hired any and all comers, regardless of their academic skills...

THAT, my friends is the "good story". The next one is not so good. I've read a lot of complaints concerning Wells Fargo's home mortgage "predatory" practices, but haven't read a lot on the auto financing end of it. I will say at the on-set of this story, that Wells Fargo is not the only one doing this. We had a similar experience with AmSouth Bank some years ago. We didn't understand it then, and don't now. Okay, here goes. When you apply for an automobile loan at your bank, they have a book, a guide, as to the approximate value of the vehicle, right?! And the bank, if operating according to Federal Banking Rules, would require that the loan amount be within these guidelines? WRONG. Apparently some financial institutions will finance any deal an auto dealer can write.
We had a vehicle loan we co-signed with our grown son, who then had an accident on his 4-wheeler and was initially told by the doctor that he had fractured his ankle and would need surgery and would be off work for two months (without pay). At that same time, Wells Fargo was calling me once a month trying to "sell" me some money. I repeatedly told them I wasn't interested and to take me off their calling list, but they did not. So, after the accident, they called again, and we discussed the situation with them. They more than gladly did the deal, re-financed the truck, again with two signatures. They actually put my husband's name on the loan ahead of our son's (WRONG) because it's his vehicle, not ours, and when we questioned them about it they said because the son was off work at the time, it had to be this way. Wells Fargo then overextended the financing, causing us to be upside down in the vehicle. They DID NOT advise us that this was the case. They did not do an appraisal on the vehicle or anything. So...we did not realize what the vehicle was actually worth, and put our financial security in jeopardy. Their interest rate came in at 14.99 and is calculated in such a way that even now, after 20 months of payments, the interest is still over 300 a month. At this rate the loan will NEVER pay out! After 20 months, we've paid over 14 thousand dollars in payments, but the principle balance has only been reduced about 4K! Ten thousand dollars interest in 20 months! Let's all go open us up a loan store!
The real point to this story is this. When our son took the truck to a dealer thinking about a trade, he was in for a huge shock. His truck is worth about 15K LESS than he owes on it! How can that be? He cannot trade or sell the vehicle (which he needs to now to drive something more economical) without the situation only getting worse. His work situation has changed, and he does not make nearly as much now. He cannot make the ridiculous payments (which are over 700$ per month), so it looks like we're in for a long ride. What a dilema. If we return the vehicle, Wells Fargo will simply sue my guys, obtain a judgement in Court and proceed to levy wage garnishments, "discover" other assets, such as our retirement accounts, and send a Writ of Execution to the banks and seize these funds as well until, by THEIR definition, the debt is paid in full. This of course will be about twice what the loan amount is for, since they will add all sorts of legal fees, etc. to the total. A wage garnishment will be issued for both parties who signed the loan, for the full amount of the debt, not half to each one. That will hit my husband's pay check for about a thousand dollars take home pay each month, and my son for about 500.
SO...all you folks out there, PLEASE DO NOT RE-FINANCE YOUR VEHICLE WITH WELLS FARGO. They are not truthful in disclosure. They are PREDATORS. I cannot believe that President Obama's team of experts haven't uncovered this practice and put a stop to it. Nor can I believe that Wells Fargo deserved or needed any BAIL OUT. It is the CONSUMER who needs a bailout! How about making some funds available to the little guys who have been scammed by Wells Fargo instead?!
Thanks for reading.

To whom it may concern,

I XXXXX, am herby demanding that my accounts be closed, effective immediately . The reason that I am taking this action is because of the unacceptable policies that are being utilized at my expense, and I am literally fed up with your " Greedy " Business Practices " . In my banking experiences - over the past thirty years, dealing with many other financial institutions, I have never encountered the amount of problems with overdraft fees that are constantly reoccurring with my checking account . The practice of your credit /debit posting practices are " Shady " at best . An example of this, is posting debits on a holiday ( A Non Banking Business Day ) and not posting the credits that were pending also, until the next day, another example is the shuffling of transactions from the order in which they occur to maximize overdraft fees, another example is the way your computers post account data ( not accurate at any given time ) designed to confuse the customer, with your continual overdraft trap, designed to gouge your customers . I find this practice to be horrendous and despicable . A bank is supposed to be working in my best interest, and not lurking in the shadows of deception, waiting to pilfer the customer at their earliest convenience, it is a matter of ethics and scruples, really ...

Wells Fargo should be ashamed, and should be nominated to the "' Hall of Shame " . I have a question for Wells Fargo ? " If the money isn't in the account, Then why aren't the transactions denied ?" It seems that your computers are programmed to build revenue - In Wells Fargo's favor, at the customer's expense, by dragging it's heels to notify customers of their overdraft status until days later, believing that they had a positive balance in their account ( according to your current computer account information data ), that they rely on - continuing to make minor purchases and being fleeced with overdraft charges . " Is there a human-being monitoring these computers ? " that is a scary thought . Don't rely on your online banking service, which is totally useless in my opinion . I have never had problems with other banks, because they were predictable and consistent . Banking with Wells Fargo is much like going to a casino with the customer service of an all night - Taco Bell Drive thru . In closing, I know that Wells Fargo does not care, about me, the customer and that is ok too . If my small business ever takes off, rest assured - that my money will certainly not be deposited with Wells Fargo Bank ... I am not the only disgruntled customer of Wells Fargo Bank, here are some other customer complaints from the many disgruntled customers ( too many to list ) whom have left your institution ... It appears that Wells Fargo is more interested in making a " Quick Buck ', than establishing long term relationships with it's customers . I also wish upon Wells Fargo - that the fleas of a thousand camels, infest their arm pits ! " Wells Fargo Bank " one of the carbuncles on the butt of mankind ...

I can deal with "policy", but keep in mind, the word policy coming from the mouth of the so called "customer service" agent is really just another way of the company telling you, "Hey, we really DON'T care, and F*** you."

I am currently a wells fargo employee looking for another job. wells fargo not only screws its customers but its employees also. i am required to get one sale a day or i have to stay on a weeknight to call people. now i could of sworn i did not apply for a telemarketing job, or did i? honestly, wells fargo (hells fargo) only cares about getting sales no matter the cost. they told me to make the customer wait if i have to in order to sell them a product. i pride myself on my good customer service and refuse to keep a customer, who is probably on their lunch break, waiting too long. i am looking for another job because wells fargo is a very shallow company who doesn't give a ### about anybody. i want an employer that i can agree with on their values. everybody reading this, please change banks! i know how this system that people call a "bank" works. they don't care about you, they just want your money! they will screw you over any way they can, trust me, before you find out for yourself. there are better banks out there. wells fargo can kiss my ###!

Every Thursday my paycheck from HEB (grocery chain in Texas) is deposited to my account electronically. It usually takes 2-3 business days to clear my funds. In the meantime, the money is still displayed as part of my "available balance" although that is not the case. Now here is the most deviating thing that this evil bank does. They will accept a direct deposit, pend it for 2 days and then on the 3rd business day they will clear several debits and change the date of the debits so that they are BEFORE the check is cleared and then charge me $33.00 in overdraft fees for each item. This has been an ongoing problem with this bank and I do not recommend this bank to anyone!

Personal experience with Wells Fargo, the bxstard bank. It all starts with one key element: purchases are immediately subtracted from an account while transfers and deposits take longer. I have 58 cents in my checking account so I transfer (online) $4.00 and walk to Cub Foods to get a pack of cigarettes. Big mistake. Next day I check my balance - everything looks fine - @ this point NO overdraft fees are shown. I transfer another $4.00 into the account later that evening for more cigarettes - go and buy them. This cycle continues until about 4 days goes by - and holy shxt. $99 dollars worth of overdraft fees - 3x$33. Show up on my history for the last few days. In one day, my balance dropped from like $2.00 to -$101.69. And of course, now it shows every charge, the day it occurred, just because that money did not transfer the first day. In taking their sweet time to post these fees, Wells Fargo cost be $66 not to mention the $33 that I was charged because of their initial delay. I've contacted people and tried to get these fees waived but the bank says it is not their fault. Fxck Wells Fargo. Save your money and don't bank there.

I work at a well known print shop in SF, ca. (Home of Wells Fargo world HQ) We produce a lot of their employee reading material. And as I am forced to read it during the proofing process, let me just say it's pretty cold hearted stuff. I have had an account with them since I was 15 and am switching ASAP.. They're just too big to care I guess. Go with a bank that actually wants you to be happy and fortuitous, not broke and charged up the ###.

Actually, my account was balanced. However, there is NO reason that any CASH deposit should take more than one day to post to an account, and no more than two days for a check to post. They held my money for more than two days, and did not post the deposits, nor my withdrawls, allowing for them to use my money and make interest on it for themselves, and then conveniently cleared it all at once as to make everything bounce. Their policy is to clear largest transactions to smallest. So if you right one $100 check, and have $101 in your account (just an example) but also have multiple transactions of less than $2, they will cash the check and bounce everything else. That is truly not consumer-friendly.

Let's say you purchase a $2.00 burger and $11.00 of gas which you had funds for! Well that night a check goes through for $200.00 and it is NSF, you get charged 3 different $33.00 dollar charges because they make it look as if the check went through first, which it didn't. I asked them why this happens and they said that is their policy. The policy to take advantage and gouge their customers. I believe that there are more customers that they have screwed over with this policy. CLASS ACTION!
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Wells Fargo does suck... The other day I asked for 200.00 from an ATM. Turns out I only had 189.00 in the account at that time. However the ATM gave me 200.00. On reviewing my transaction history later I discovered that since the ATM gave me more money than was in the account, I was charged a 33.00 overdraft fee! Imagine that! The ATM gives me extra money and then the bank charges me for their ATM's mistake! Wells Fargo sucks. I was unsuccessful at getting the charge reversed. I was told that I should not have asked for 200.00 if there was only 189.00 in my account and that I could have had my check register with me! Of course everyone carries a paper check register with them when going out on the town in this electronic age! If you cant trust the bank to know how much money is in your account what good are they anyway ?

Wells Fargo needs to be investigated by the banking commission for stealing from their customers(overdraft fees). I just found out that they have 425 billion dollars in assets. They obtained this feat by stealing from customers. My auto loan payment posted 1 week early causing my account to be overdrawn. Because the overdraft fees were so excessive it took the auto loan company 2 weeks to get approval to pay the fees. Which were $644. This included the 2 $10 wire fees Wells Fargo charged me. I did not make the wires or requested them but I was charged. That amount was 18 overdraft fees @ $33 each and 6 continuing overdraft fees @ $5 ea. Did not negotiate with the auto loan company to reverse some of those fees. After that my account became a target items posting before my direct deposits. All in all over a 43 day period Wells Fargo was paid $1, 474 in overdraft fees.

Sorry to interrupt the usual trashing that one normally only gets from a Wells Fargo Customer Service representative, but if you want to see what lies in store for you if you open, or already have a Wells account, then go check out some sites such as e-pinions.com, rateitall.com, or complaints.com. Most of the ratings have nothing at all to do with balancing a checkbook and everything to do with Wells' fee structure and downright atrocious customer service. You get the straight scoop on Wells without all of the useful "can't balance a checkbook" name-calling normally seen here by Wells-apologists. Also, make sure that you scroll down through the 5 years of posts on this site also, there are lots of warnings that have nothing to do with balancing a checkbook. As I've said in numerous other posts, my recommendation is to find a small hometown bank or credit union. We've had issues pop up now and then with them over the past 15 years, but nothing compared to the nightmare you're in for with Wells, and getting them resolved is sooooo much easier and painless when compared to Wells Fargo.

It seems like FDIC thinks that I cannot operate a check book. I have had a checking account for years and have never had as many problems or issues as I have had this past year - the year I've been with Wells Fargo. So, maybe I didn't have enough money in my account to cover the check, but they should have communicated the eleven day waiting period with me. Had I known that, I would have taken the check and cashed it elsewhere.

One of my main complaints is lack of communication on their part. Another complaint is that even when I deposit cash, its still marked as pending for one day. Also, you get different stories from every individual you talk to - no consistancy at all. When we called to ask about our "pending" check, one gentleman told us there were no funds in our insurance provider's bank account.

So, when I close my account out at Wells Fargo, what do I need to do? How do I ensure the situation that happened to Fleeced doesn't get me as well? I've paid plenty to that financial institute and I'm tired of it! (I told my husband that the execs got nice Christmas bonuses on us

I HATE WELLS FARGO WITH A PASSION! I am so sick of WF, I am a student that works very hard for every penny earned and due to bad economy, am supporting both my husband and I. Needless to say, we live paycheck to paycheck. That's when WF cashes in... I am convinced they have a system that alerts them when your account is low on funds, and THEN is when they decide to take out all their goddamned fees, including their monthly, bill pay, direct deposit, phone call bill?!, and they have the nerve to call it a f***ing "opportunity checking" account... yeah, OPPORTUNITY FOR WELLS FARGO TO ROB YOU! They never seem to want their made-up outrageous fees when there is plenty of money in the acct. They process whatever transaction fits to their convenience in whatever order they please so it ends up f***ing you! Every month I struggle with them and have to end up making 10 calls BEGGING them to reverse THEIR mistakes (or their very disguised ripp-offs). I am through with them. My account is closed.

I am a Wells Fargo customer and want to cancel "Bill Pay", which costs $9.95/month ($10.00 in unscrupulous marketing language). There is no "Cancel Bill Pay" button to make this simple. Instead, you have to go to "Help - Bill Pay - Cancel Bill Pay" and are then taken to a general inquiries form with no "Cancel Bill Pay" option. I have never needed Bill Pay or used Bill Pay, and I don't remember signing up for Bill Pay (since I do most of my banking with another bank).

My complaint: it's easy to sign up for "Bill Pay" but complicated to unsubscribe. This system is no accident. It was conceived by Wells Fargo web marketing employees, probably with MBA's in finance, and reflects Wells Fargo's deceitful, bad faith approach to doing business with its customers.

As called by Sr. credit manager Chris Ives to consolidate credit cards to 1 monthly payment. We went to the office to see what they could do for her. Chris told us in order to get my fiancé' cards brought to 1 monthly payment with a good apr rate and a manageable payment he suggested to refinance our Toyota corolla which we had a 7.9apr for 60 month and put her cards with that in order to bring the cost of her monthly payments down. Chris had mention to me being part of this loan in order for her to better qualify for the refinance of her vehicle as well as consolidating her cards for the purpose of using my income to show more income on the new loan. I told Chris that I didn't want to use me because of my bankruptcy and that I knew my score would hurt her but he reassure me that my score wouldn't be used and that they would use her score which 700's and the only reason they needed me was for my income. I said that sounds good to me as long as we

use her credit score and get an apr rate that is lower than 10% he reassured me again that it wouldn't be a problem. That was our 1st visit .We had to come back because they needed some info from me. A few days later we came back and started the paper work to get the loan through and it was close to closing time for them so they where in a rush to make sure our loan was processed. While that was being processed Chris was going over the paper work and telling us what our loan was going to be which was writing down on another blank piece of paper with the number of 9.6 apr rate and a 60 month payment of 440 a month That's exactly what I wanted to get done. Problem #1 we didn't receive exactly what we went in for, instead we got checks to pay off little credit cards to the amount of $3000 and also the payoff to our car to the amount of $17000 . We had looked over the paper work we had signed and also the page with the numbers he had written on a blank piece

of paper, with all the normal things on a loan document. Problem #2 we got home and realized that we where missing the 2 important checks. I gave Chris a call he said that they might have gotten printed so after days of calling him back and trying to get answer from him he finally had told me that he wasn't able to get those cards in to our loan and he told me that we where max out on how much money they could loan us and the other thing was we never received a copy of page two which had the loan numbers as far as apr rate the trem of the loan which showed 9.6 and 60 month term for 440 I had given him a call for that at was told by Chris that it was a dmv paper work and wasn't necessary to have and I ask him are you sure because it says on page one that page two has all the numbers and Chris said I am pretty sure but I will give you a call back that never happened. A month later we received the bill which showed apr rate of 17.74. Are you kidding me!

And a loan of $456 some change a month and the loan for 72-months I was very angered, betrayed, and upset at wells Fargo. I never rec'd anything to show the numbers that where told to us were real and because I should have made a case for the missing page not rec'd I was screwed. Now we're force to have a car loan that has a rate of 17.74 from a loan which we had a rate 7.9apr rate which is the reason for this long letter I asked them this question why would anybody sign/ refinance a car loan from apr rate of 7.9 to a 17.74. I told them if I had seen those numbers the day we signed we never would have signed. Chris had done a lot to make sure we never understood fully what we had signed and withheld documents from us in order to keep us from stopping the loan process. This is FRAUD plan and simple! We have an 8 month old baby, and we thought we were doing well by getting our small debt in control.

To whom it may Concern!

Good morning to you, our names or Mr. & Mrs. McKenzie. We are writing you because of a small problem that we are having with Wells Fargo Mortgage Bank. As you know, along with most of the world, people are losing their homes; we do not want that to happen to us. We been looking over our contact and looking over just how Wells Fargo has been handling our home payment, escrow account basally an overall look. Our payments jump for 876.00 to 1622.99 over a 21/2 year period. What we found was uncaring to us as a home owner and a value customer. With much talking back to back with the customer’s service people at wells Fargo we became unsatisfied again. Not only does the customer’s service have limited knowledge of the needs of some customers, they do want to answer your question, they can be very rude on the phone, because you are asking question and questioning the way Wells Fargo as a whole is handling your loan. We have asked on a many occasion to set a set down with someone from Wells Fargo to speak face to face. What we found was each year when wells Fargo did the yearly adjustment on our escrow account the estimated were so much more higher than our yearly pay out, and we would have to wait until next year adjustment for any refund do us, in the mean while our house payment keep getting bigger. And now that we have work on some of the item we were very unsatisfied with we still have a long way to go, because every time we ask for something we are being told that we cannot have access to such information and, here we trusted this bank to protect our interest and now that we are looking into things, which we should not be treated badly because we want answer as a home owner making such they are doing the right thing, we’re the ones who is paying for this home we are being told we don’t need or cannot get such information. It is one thing to send someone a statement listing what escrow is, principal and interest and such other things. But when a customer comes to you and says, look we have not been satisfied with some of the ways you have been doing things, and we would like to see receipts for all payment made on our behalf from your company and you’re saying there no such thing. There paper work for everything you do, if you are doing it right, a bank has rules, guideline and an ethic duly to keep what with all things from a penny you take out someone account to that C.D someone has invested in. All we want is to see the receipts, we want to make sure that the payment went to the proper place, the payment for mortgage insurance went to the insurance company and not someone else pocket or account . Not only that we are paying the bank premium on our own loan and we know banks are covered all the way around so why are we paying their insurance premium we do not know. It would be a different story if we wanted to protector our loan by adding a mortgage protection plan to our account but that is not the case. Also we were first told that the payment was made on behalf of HUD, that it was HUD who requested we have such a premium and we make the payment for their insurance premium, again all of these places are covered by the government and this has been going on since we first got the house, so it not like they just added this in because of the very hard times we are in as a whole. What is the real deal here why is it so hard to get some answer form the bank. Can you please help us get the answer we need, so that we can know for ourselves that the bank is doing the thing. Too many people are getting in trouble today for using other people retirement, saving, 401k etc and the little people are the only ones who is hurting here, were the love for one another, were the respect for the customers.

For the past few days, my workplace has been receiving phone calls that hang up when you answer--about 5-10 a day. I finally got so fed up with it that I star-sixty-nined the number--[protected]. 'Andy' answered at Wells Fargo Financial. I told him we'd been getting these hang up phone calls from this number; he asked the number and my name. When I told him who I was, he said, 'We're not looking for you.' and hung up on me!

I called back and spoke to Andy again. I said 'You just hung up on me.' He said, 'No, we're not looking for you.' I said 'That's fine, but I need to speak to your supervisor.' This guy literally laughed at me and said 'Absolutely not.'

I was stunned, and he started to try to hang up again and I literally yelled into the phone 'No no no! This is a business, and I don't know WHO you're looking for, but this is a business phone number and you are harassing us. If you continue to do this, I will call the police. GOOD BYE!' Then I hung up on HIM.

It is incredible to me that a business with as big a name as Wells Fargo doesn't care about the kind of reputation jerks like Andy give them. I certainly won't EVER do business with this company. And I'm not even who they were looking for!

This company has done this to us twice in the past 9 months. Ok, I know my payment was late but in this economy that is the way it is. In May 08 they did the same thing took out a payment on a date prior to when it was suppose to be done. I figured it was human error. Back then they did not refund the payment and the bank we were at did not do late fees, lucky for us.
However, this time the payment was taken out 10 days prior to authorization date, and our new bank does late fees. This is a nightmare. Our only hope is we caught it in time with me checking online banking everyday and the bank will be able to send it back to them for insufficient funds in our account. When they call for payment and a date is given for them to take it out thats the date the consumer expects for a reason. I'm hoping our bank can stop payment and sock it to them. Yes, we will still owe the payment but on our terms on the date they were told. If you have these people for a loan NEVER DO A PHONE PAY OR ANY TYPE OF PRE-PAY! NEVER! There should be a suit brought against them!

I will never go to Wells Fargo again. Talk about a bank who is desperate for cash. Keep in mind that I am not a Wells Fargo customer and I am thankful that I am not. My car broke down while I was at the dry cleaners. The tow truck driver was cash only so I had no choice but to go to an ATM. The closest one, mind you I was walking, was at the Wells Fargo about a block away. I swiped my card and it made me check my balance-there was no option on the screen not to, and they did not say anything on the screen about a charge for this service. Then I took out 80.00 and they charged me 3.00 to do so. Fine, whatever, it was an emergency situation. When I got back to work and checked my bank account online I saw that they charged me 3.00 to take out the money, 2.00 to check the balance-which I did not need in the first place, and then my bank charged my 2.00 for using a different ATM. That's right-I paid 7.00 to take out money in an emergency situation. Can someone tell me what is wrong here? I will never go to a Wells Fargo ATM ever again.
-E

I have an auto loan thru Wells Fargo. They have taken money from my bank account, without my permission, which caused late fees. I complain to my bank, fill out the paper work, still waiting to get my money back. They charged me an extra $100 a month for not having insurance, took awhile but was able to prove I had full coverage the entire time, and Geico was able to provide proof of this, as well as proof that they had let WF know I had insurance thru them. Rather than refund the money they scammed from me, they took it from the principle.I have a family to feed they have no right to steal my money then apply it as they seem fit.Now that Iam trying to recoup the $75.00 fee from the bank for WF Illegaly over drawing my account, they put a "other fee" of $74.60 on my latest bill. I am outraged at this, but I don't know what to do. I haven't made my payment yet, not sure if I will, but I hate to ruin my credit and have this over me.

This past week my expenses exceeded my income and my account balance went negative. It's not because I'm living beyond my means - buying all sorts of stupid nonsense. My spending is not out of control. It's because my means have dropped significantly below the cost of living. This time it was the gas bill ($238.61) and the phone bill ($77.95) - both auto-pay. If I could have avoided it, I would have.

I know it's my fault. It's my job to make enough money to pay the bills. I won't go into all the methods that Wells Fargo Bank uses to steer people into overdrafts. And, I know that the official policy of Wells Fargo Bank is to aggressively take advantage of such situations and make as much money as possible from overdraft fees. And, it's common knowledge that our government (both state and federal) allows banks to do this with impunity. In fact, the government facilitates this activity. But, this report isn't about any of that. I'm writing this report to warn people about new tactics that Wells Fargo Bank used in my recent situation in an attempt to prolong the overdraft feeding frenzy.

Three deposits were made to my account since it went negative. The first one was two days ago, the second was yesterday. But, neither of these brought the balance above zero. Combined, they exceeded the original overdrafts (gas and phone bills) with some margin to spare. But, they didn't cover the overdraft fees ($455) for every little subsequent transaction (several small postage purchases). The third deposit was today and it did restore the account. All three deposits were from my merchant bank account (credit card processing). Basically, these were from credit card sales that I had earlier in the week. There have been six such deposits this month - all from the same source. Over the many years that I have operated my business, there have been several thousand such deposits.

Here's where the new scam starts:

1. I received a call from a Wells Fargo Bank representative this morning. She wanted to let me know that there was an unusual deposit in my account. She explained that the bank had flagged it as suspicious and suspected that it was some kind of fraudulent activity. They were going to deny it if I hadn't answered the phone and verified the source. Lucky me! If I hadn't answered the phone then this overdraft feeding frenzy would have continued through the weekend and well into the next week as I tried to get the merchant bank to re-submit the deposit!

Who ever heard of fraudulent deposit transactions? This is a new one on me! And, it's pretty difficult for me to believe that nobody noticed most of the other deposits in my account were from the exact same source.

2. The second thing that she tells me is that my debit cards have been cancelled. I didn't report them lost or stolen. There were no suspicious or fraudulent purchases. So I asked her why they did this. She explained that it was done because my account was overdrawn. They have never done this on any previous overdraft situations so I asked her why they did it this time. Why didn't they just deny payment? She claimed that there is a 'law' which prohibits them from denying payment for a debit card transaction - even when the account is empty. The only way for them to stop transactions is to cancel the cards. Well, this is complete nonsense and I told her so. There is no such law. The whole system is set up to allow for charges to be denied. That's why debit card transactions are labeled 'pending' in the account for the first two days. The money doesn't actually transfer until the merchant does a batch settlement and the charges are processed through the system.

She went on to tell me that I could open up a different kind of checking account with a debit card that allowed them to deny payment if the account was empty. Somehow, this 'law' was able to tell the difference between these two types of accounts. What she described sounded a lot like a 'pre-paid credit card', which has a considerable amount of fees and overhead. That's when I realized that she was going to try and sell me yet another predatory financial product so I told her that I wasn't interested.

It puzzled me for quite some time why Wells Fargo Bank would cancel my cards and use such a stupid lame excuse. Then it occurred to me. The overdraft fee is posted long before the actual money is transferred. 'Pending' transactions can't be voided or modified after the card is canceled. If they didn't cancel the card, then I could have called up vendors and asked them to void the transactions and accept a different card or form of payment. Their precious overdraft fees would have vaporized into nothing.

3. Now, I've had my debit cards canceled before. It's a major hassle. I use them with most of my suppliers and service providers. I can't order supplies and goods that I need to fill orders. Several on-line services receive payment through these cards. My business comes to a screeching halt and I can't make money until I receive the new cards. My bank account shrinks and, you guessed it, becomes overdrawn again. So, getting these cards sent out quickly is paramount to me. Therefore, I insist that she verify the address. She reads back an address that I haven't used in nearly ten years! I know that they have my current address because I receive my bank statements and my payments are accepted (phone orders require address and zip code verification). In fact, replacement cards have been sent to the new address in previous card cancellation episodes. So, it's pretty difficult to imagine why Wells Fargo was all primed to send my new cards to a bogus address. Beyond doubt, their arrival would have been hopelessly delayed.

Well, at this point I wasn't sure what to think. I suspected that she was not a real Wells Fargo Agent so I challenged her authority. She provided confidential information verifying to my satisfaction that she was the genuine article. Then she reads the correct address, verifying that she knew where to send the cards all along. It's hard for me to believe that this wasn't yet another deliberate tactic.

You would think that banks would be treading pretty lightly these days. Apparently not so with Wells Fargo Bank. The malevolent greed which created the banking crisis is still alive and well creating more scams like the ones I have described here. Beware of Wells Fargo Bank, they are constantly dreaming up new and clever tricks to use against their customers.

have been banking with Wells Fargo for a few years now and I also have a car loan with Wells Fargo, and I am always on time on my car payments. I have been very satisfied with your personal until today. On February, 2008 I called Wells Fargo Auto Finance to inform that I was laid off of work and I wasn’t going to be able to make my entire car payment on time. I ask the lady that was helping me if I could pay a part of my car payment on that day and if there any way I could pay the rest on the 25th . She told me that I could do that. She set up an check payment for the 25th and I agreed. After speaking to the customer service personal I drove to Wells Fargo Bank and I made a payment of $224.36 on February 6, 2008. I was very satisfy with the Customer service personal because I thought she had help me. I was checking my e-mail on February 12, 2008 and I notice an e-mail from Wells Fargo titled Insufficient Funds. I open the email and read that my account didn’t have “Insufficient Funds “ I didn’t understand what was going on, so I checked my account online and I notice that my account had two overdraft of $35.00 I didn’t understand. I had about $200.00 on my account just to get me through the rest of the month and now I am over. I notice that Wells Fargo auto Finance took 197.18 out of my account. I was very confuse because I made the agreement that my bank account was going to be charge on the 25th . I called Wells Fargo Auto Finance and spoke to a gentlemen . He was very nice and he sound like he was trying to help me out . I explain to him that I agreed to electronic payment for the 25th of February, but no for the 11th of February, He then told me that he will talk to his supervisor and he put me on hold for abut 10 minutes. Once he got on the phone he explain to me that he spoke to his supervisor and she said that they can’t reverse the charge, but what they can do is send you a check of the amount that was charge on my account. Then I would have to fax them my account statement that states the overdraft fees so they can reimbursed me for the overdraft fees. I said “okay”, I agreed, the I asked him “ what am I going to do about the fees that are added to my account for being over each day“? He said “ I will need to talk to my supervisor about that issue“ .I asked him if I can please talk to his supervisor and he transferred me over to Mrs. Beddy. I explain to her about the misunderstanding and how my account was charged on the 11th of February and how I didn’t agree to this charge. I told her “why would I go to Wells Fargo bank the same day I had called to make a payment, instead of depositing the cash and just waiting for the check to go through on the 11th, this doesn’t make any sense at all. She then told me that she really could not do anything for me at all. Then I asked her about what the customer personal had told me about the check and faxing over my bank statement that show the over fees to fax number [protected], He gave me this number so I can process this information to them and they would reimburse me the overdraft fees and send me a check with the amount that was taken out of my account with out my “permission“. She denied that she ever gave him any authorization to tell me the information he gave me. I really don’t believe this is true because he put me on hold to speak to a supervisor, then when I asked to talk to the supervisor he transferred me to Mrs. Beddy. Mrs. Beddy is wha twhe said her name was when I asked her for her name. Then when I asked to have the names of the person who first file the wrong information on the computer she told me that she couldn’t release that information for security reasons . Then when I asked her to give me the name of the person that I was speaking to before her, she said that she couldn’t release that information for security reasons also, but she knows who he is, this is what she said.Once again I asked her so you never said or okayed any thing the costumer representative personal told me that you okayed? She said no, so I told her “ so he is given me wrong or false information ? At this point I was in tears because I couldn’t believe how rude she was with me. She told me that she never said anything because there is nothing that they can do for me . So then I told her that her worker just gave me false information, so what I am stating is true that her workers are making mistakes on there customers accounts. One entered wrong information and the other told me wrong or false information according to the supervisor and to what I have heard. One of the Wells Fargo Auto Finance personal entered the wrong information then the other customer personal is gave me false hopes and information, At this point I am very stressed out and feeling very depressed that Wells Fargo cant help me when I asked for help. I am always on top of my car payment and I am never late and the one time I do asked for help I come out paying $ 90.00 in overdraft fees that I cant afford in the first place. The money that I had in my Wells Fargo bank account was for food for my family and gas for the rest of the month until I get paid. I have a family, I have to take care of especially in this hard economical crises we are in. I have so much stressed at this moment that I really can handle any more. Mrs. Beddy if this is her real name gave me the hardest most afoul time I have ever had in my life when dealing with customer service personal . I was crying, I just didn’t know what to do. I asked her for a number where I can call to file a complain and she gave me the same number I called to reach her [protected] this to me is like she was laughing at my face, and she was abusing her power. I expected more professionalism when speaking to a supervisor, but when I spoke to Mrs. Beddy I received the total opposite. I asked her if any of my calls were recorded? and if they where if she could listen to then, so I can prove that I didn’t authorized the first Electronic Payment on the 11th of February and she can hear when I told the young lady that I was going to make my first payment right when I get off the phone with her and I did. I also told her if she can hear the conversation that I had with the gentleman I spoke with before her, so she can hear what he told me about sending me a check for the amount that was taken out of my account and to fax over the bank statement so they can reimburse my overdraft fees. She said” no we don’t record any of our conversations with our customers. I just couldn’t believe how bad this lady made me feel. I called Wells Fargo Auto Finance to inform them that I didn’t have all the money to make my care payment, that I only had half and if the can “help” me by letting me pay the rest of the money on the 25th of February and this simple plea for help turn out to be the worst experience I ever had with Wells Fargo. The conversation ended and then I called wells Fargo Customer Service and the lady I spoke with was very respectful and nice. I explained to her my situation and what had happen and she actually made me feel good. She explained to me what I can do and how she can help. She made me feel relaxed and she gave me hope that something can be done for my situation. I want to thank you for having employed like this lady I spoke with. I really do believe that Mrs. Beddy need to get replaced. I work Customer Service and I always speak to my customers with respect and courtesy and if there’s a problem with any thing I try to help as much as I can. Mrs. Beddy lied to me and made me feel like I was a liar. I am not a liar. I am a person who is going through hard times and is looking for some help. I am a hard working person that likes keeping up with all my bills. I don’t like staying behind on any of my accounts and the one time I asked for help there was a misunderstanding and when I try to fix the problem by speaking to what I thought where experts one so call lied to me and the supervisor made me feel like if I was trash. There has to be justice regarding my situation and what I have experience today on February 12, 2008. I wish that no honest, hard working person experience what I have experience with Mrs. Beddy at no moment in there life’s. I would never wish this treatment that I have experience with Wells Fargo Auto Finance on any other person not even on people who don’t pay there bills on time or at all.There has to be some kind of justice to this matter.

I dint authorized an electronic payment for the 11th of February and the supervisor was very rude and nasty with me, when I spoke with her about the matter
.

This company has put me through hell. Due to the current mortgage and economic crisis I have had issues with making my payments on time. My goal was to keep my house out of foreclosure. My income has been decreased nearly $100, 000 per year. I received a letter from EMC asking for me to call them so they could 'help' me. This is not what I found when I called them. Both people I talked to were rude including the supervisor. I called and spoke to a person who wanted all my financial info to see if they could qualify me for a hardship program. After reviewing my information she told me 'you are beyond help' and 'you should consider getting rid of your car or getting rid of your house' She then went on to comment on the amount of my car payment and said 'well if you weren't paying XXX a month for your car maybe you could pay your house payment and maybe if you didn't have all that credit card debt then you could make your house payment' I explained to her that I'm used to making a significant amount of money and this financial hardship isn't due to lack of responsibility. I've always been able to pay my mortgage and my bills consistently for the last 4 years. I also pointed out that I've always made my payments on time up until this happened and she didn't care about that. She suggested that I consider putting my house up for sale and do a short sale. Wait, I'm trying to keep my home here and keep making my payments and be responsible. Based on my situation I was trying to explore my options to see if I would qualify as the letter had suggested for some help to get me on track again. She was extremely rude and I asked to talk to her supervisor. In a nut shell, the supervisor told me 'you're so far gone you need to sell your house.' I said 'I'm trying to save my house, pay you and not have this home foreclosed on.' My frustration was mounting and he proceeded to tell me that I was 'taking out my frustration on him and that I was made at him for not helping me' That wasn't the case at all. I was upset with how rude and unwilling to help these 2 people were. They also treated me as if I was a low life person who doesn't pay their bills because I'm out spending money somewhere else. The supervisor ended up hanging up on me.

Bottom line, EMC is a terrible company and if you're looking for good customer service or for their representatives to be curious think again because it won't happen. I'm surprised this company is still in business given the way they treat their customers. That call was very hard for me to make. I've not been in this position and to be treated that way was very demeaning.

I was a phone banker at wells fargo and first off, they pretty much lie to you during the interview. They try to say it is all about customer service but all the job is, is referring products and services that 90% of the time the person does not need. And they are very aggressive about it but during the 6 weeks of training you pretty much don't learn anything about the products so you are just pulling info out of your ### and if you ask for more information about anything you just get brushed off.

They have schedule "bids" where you are supposed to get to bid on a schedule before it is offered to the new hires (new training classes with 10-20 people every two weeks- should have been a huge warning sign) but the only schedules they offer the people already working there are the bottom of the barrel with the new hires having the most coveted spots.

People were getting fired around me left and right for believing information that my supervisor gave them. More than one person called in to find out if they had enough points to call in (our attendance was based on a jacked up points system) and she would tell them they had plenty only to call them later that day and say they were fired because of attendance.

We have our calls recorded and are graded on them. There was a discrepancy in our Virtual Library which is pretty much the phone bankers bible which resulted in a call of mine receiving a zero which is really bad, obviously. About 5 team leads, managers and even our centers QA expert agreed that it was mis-scored but my supervisor could not even comprehend what we were saying at all. She finally agreed to file a dispute. They next day I had to go to a meeting with my supervisor and her manager about the call and I explained what all we had discussed and said that we had filed a dispute and my supervisor looked at me like I was an idiot and said that we did not that I should have received the zero. Then two days later I walk in and get a hug and a congrats from that same supervisor because my dispute was found in my favor. The dispute that was never filed.

I finally got completely fed up and put in my two weeks and was told that I should probably leave. Knowing that if our supervisor tells us to leave in this situation they still have to pay the two weeks (she does this with everyone who quits- which is a lot of people) I try to verify that I would get paid and she said that was impossible but that I should still probably go. I had a training class for the job i had secured as a replacement in exactly two weeks and could not go without that money and had told her that upfront. I told her that if she wouldn't pay me I was staying. She was really mad. She told me that I shouldn't have put in my two weeks and I should have just left when I wanted. I explained that I was following company policy. She then tried to say I should go so I could start my job earlier and I explained for the 3rd time it didn't start for two weeks. She just got all huffy and left (early as usual) for the day soon after. I found in our handbook the policy regarding the pay situation and emailed it too her and left.

For the next 3 days i was trying to get ahold of my hr consultant only to be told that he was on leave. So I finally got ahold of his supervisor who was incredibly rude and put out that I was even talking to her. The next day I get a message on my phone that she talked to my supervisor and her manager and that my supervisor had begged me to stay and that both of them had been trying to call me everyday multiple times a day. And that I had abandoned my job and I would not be getting paid. And that I shouldn't call her back.

I did try to call her back repeatedly because I had phone records proving that no one tried to call me at all. (I did receive one call after the hr lady talked to them- full of fake concern about my well being and stating that they had been trying to get ahold of me- thru telepathy I guess).

Finally the only person in the company that seemed genuine at all, the hr consultant from the lubbock phone bank called and actually listened and within the day called me back telling me I was right and I would be getting paid. She said she had to go higher than usual because she kept getting the run around. She was amazing and I can't thank her enough.

This company is shady. I would not even recommend banking with them.

I bought some Lazy Boy furniture because it came with an 18 month SAC financed through Wells Fargo. I made payments enough to pay it off in the 18 months. Unfortunately I also used a portion of the "credit line" for other purchases. I made payments enough to pay off the furniture but Wells Fargo applies your payments however they want. I even made a large payment over $1000 which was supposed to be applied against the Lazy Boy account. They applied it to the credit card instead. Then they hit me for the finance charges on the furniture. So the SAC program with them is a bogus scam. Don't Fall For It! Their website allows you to make a payment but you cannot direct it towards what they call a "sub" account. And you can't check your account balance or see how your payments were applied. There also isn't a place on your statement to show that you can direct any over-payment to one account versus the other. I'll never do business with them again. Think maybe I will go to CitiFinancial.