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Wells Fargo review: unfair discrimination 79

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6:40 pm EDT
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To Whom It May Concern:
I would have never imagined that because I stayed at home with my father 24-7 taking care of him... that would have a bearing on the equity I inherited in his home, passed directly to me through trust; I only asked Wells Fargo Bank to modify the existing secured loan to the same principle net ammount as I could have (as Agent and attorney for Him, my father) ANY time...the FULL $362, 000.00+ Dollars Available to Him;(of which the 140, 000.00) Remained in a Wells Fargo Local Account, all the while, Earning the Wells Fargo Bank daily Interest.The Wells Fargo Bank at Fort Mill S.C. did not make any attempt to respond to my request, during the time needed to "avoid their acceleration" of the loan to the point that it has (as a result of their actions) come to.
Wells Fargo Bank actions by Mss. Dana Flota (and others) have done irreputable damage to my person, and as a result, may have even lowered my FICO SCORE of 761.Wells Fargo Bank made the Loan based Entirely upon Equity in the Homestead, and nothing else, and under that same exact premise, did discriminate against my person and character by not contacting me with a response to my loan modification request and proposal;insuing resulting hardship and suffering on my part, parcel, and person.
Any legal actions as a result of these actions on the part of all individuals in connection with Wells Fargo Bank will be further construed as in colusion; and party to such actions.
Sincerely:
Rev.Mark A. Stoddard
1524 Salvador Ave.
Napa, California [protected]

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The complaint has been investigated and resolved to the customer’s satisfaction.

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79 comments
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Wells Fargo Will Steal Your Home
Roseville, US
Jun 04, 2010 3:44 am EDT

Don't expect to do a loan modification with these scammers. They only want to take your house from you and waste your time. They are truly the king of rip-offs. I've been working to save my home for 8 months and they just don't care and won't do a loan remodification. You submit the paperwork and then they do absolutely nothing and then say they need it again and you provide it and they sell your home right out from under your nose. That's it!

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rm13
Landing, US
Aug 04, 2014 10:30 am EDT

Wells Fargo Emptied my checking account because of a collection that wasn't mine. The debtor had the same first name and a similar last name. They did not check the social security number on the court order they just took my funds. When I called about it they gave me very limited information and a phone number that continually went to voice mail. I had to do my own research, find the debt collector, gather the correct information and present it to the bank. All I asked for was a call back and an apology. While the money was refunded I received no call or apology and when I went to my local branch to complain they told me to write a letter. WORST SERVICE EVER!

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Michele Thorsen
, US
Jan 30, 2015 1:31 pm EST
Verified customer This comment was posted by a verified customer. Learn more

I receive my pension from France from the Wells Fargo Bank in Philadelphia. I never receive October 2017 so I send them a letter a month for the 3 next months and I never received an answer. From the checks they send me it's very difficult to find any information about this bank like phone numbers, e-mail etc... They have my e-mail address, my house address, my phone number so there is no reason not to answer.

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dave wit
, MX
Jul 30, 2013 5:34 pm EDT

I had not logged into my Wells Fargo acct for several months. When I tried to logon I was told my acct was blocked for inactivity. I called in to have my password reset. I was asked the original amount of my loan down to the penny. I cannot answer that question because it is a house loan that is over 10 years old and I do not remember. My original loan documents was lost in a fire many years ago. I was told without the original loan amount They could not reset my password for me. I asked to be transferred to someone higher up that could help me. I was sent to the fraud dept and got the exact same answer. I was told I have to go into a branch to resolve this issue. I live in La Paz, Mexico and the nearest branch is 1200 miles away. When I explained this to the customer service desk I was told BUMMER. So here I sit unable to logon to may acct to check my balance. About 6 years ago I closed all my other Wells Fargo accts for the same reason. Horrible customer service. Wells Fargo is TOO BIG TO FAIL but TO STUPID TO STAY IN BUSINESS. Wells Fargo has absolutely no idea what customer service is.

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Procras48
Menifee, US
Dec 22, 2013 1:21 pm EST

Just prior to Christmas shopping season I debated as to which credit card to use for purchases. I saw an advertisement from Wells Fargo Bank stating they would protect my purchases from loss, thief and damage. When I called the phone number they gave the same pitch and then added a disclaimer stating all the exclusions to the coverage. After repeated times listening I determined that nearly only if the item(s) were forcibly taken (gun point) and a police report issued would be covered.
The deceiving advertising and my calls and emails being unanswered to a reasonable degree lead me to believe this is purposeful false advertising and nearly a consumer fraud.
The emails I have received were signed by agents with only their first name and initial. A call to customer service in reference to the email was met with a "We do not have a person with that name working here"
Very few of my purchases are being made with this card and those are not large items.

Valerie
Valerie
, US
May 16, 2008 3:29 am EDT

We bought furniture from Raymour and Flanigan. The mattress in the sofa bed wasn't great but our problem was with Wells Fargo bank. We financed with Wells Fargo.

They started off by sending us the bills a day or two before the due dates, we always paid more than the bill amount. They cashed one check but did not apply the credit to our account and sent us a late charge! We called and they were real nasty.

After they realized that we had the cancelled check, the guy at Wells Fargo says" as a courtesy I will remove the late charge" Courtesy?

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Waneta Hawes
Chesterfield, US
Dec 01, 2009 6:10 pm EST

Obama says that he will see to it that banks cooperate in the modification of home loans to avoid foreclosure. My granddaughter and family have been trying (WF is very hard to connect with) to get a modification. Husband is working but pay has been cut as well as hours. There are three small children. Mom is going to school to get into a nursing job to help the family. They are trying so hard, but as it goes now they face foreclosure. Does WF really want another house?

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Bill Culpepper
Denver, US
Sep 29, 2010 3:08 pm EDT

Regarding the fruad policies of wells fargo bank: I am a diabled american veteran with a first and second mortgage with wells fargo bank. For nearly 3 years, I have tried unsuccessfully to renegotiate my second mortgage at 15.5% down with this bank. I have been ignored and after two months of each request, they declare my applications no longer active and erase all former requests of mine. I receive back no responses to my emails, my telephone messages or my fax's even though I keep all evidence they have received my fax's.
I have asked the help of our united states senator michael bennett who has written to wells fargo in my behalf. No response. I am into my 3rd year of this!
Please someone help me! Thank you, bill culpepper, denver colorado... B26687@aol.com. September 29, 2017.

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Paul Thieman
, US
Dec 09, 2011 9:12 pm EST

Needed funds to cover my mothers nursing home expenses was told by Wachovia that there must be life insurance on her refinance loan or the loan would not be permitted.

I agreed to this request and the loan went through. My mothers name was only name on New loan, she died over two years later. Informed the bank of her passing and inquired as to the life insurance, none had been put on the mortgage as the bank said they would have to have put on the refinance mortgage.

Now the bank is going to foreclose on me, her only hare to the home. What can I do?

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against corporate greed
Reno, US
Jun 02, 2012 6:38 pm EDT

State of Nevada (shamefully so) usees WFB to run your unemploment through. Get your funds through their ATM's . Well, theiir ATM cut one of my 20's completly and cleanly in half and they refused to replace, give me name of the ATM servicer and told me I was not a customer. I happen to know how atm's work, having handled them for years and know their was an error message and machine shut down and they could tell what happened, plus they have video if necessary. Contatce main office and the manager there was deplorable, unprofessional and so very nasty and rude. SHe refused to give me any info . I have contacted State Division of Unemploment and The Governor's Office. This is one of the most vile, nasty, cheating banks in the US-- Wells Fargo needs shut down and class action suits filed in multiples for everything they have done to SO many consumers

Valerie
Valerie
, US
Oct 23, 2008 9:39 am EDT

First Incident:

I opened a Wells Fargo account in Denver, CO for school. I had been a 3-4 year customer of BoA and had no intention of changing but I was unfortunately forced to as BoA does not have branches in Colorado.

At first, Wells Fargo representatives were charming and when I was fraudulently overcharged (the first overcharge ever) they did not count it against me. However, they were not so kind for further experiences.

After not checking my account for a 3 day period, I signed on to look and lo' and behold I was overdrawn in the hundreds. The cause? A $5 overdraft, hit with a NSF fee of $15, and an overdraft fee of $35. A $5 overdraft that did not exist mind you, it was another one of their banking mistakes. I called them, the issue was sorted, but they did not refund me the money they took from me, and I stayed in the red.

This overdraft ridiculousness then continued. I was being hit with overdraft fee over overdraft fee. Being hit with overdraft fees FOR my overdraft fees and very shortly I again had $200+ overdrawn. When I attempted to get help they claimed it was from 2 weeks ago when I made a $10 withdrawal at my campus ATM and that it took 2 weeks for it to debit. That it was my fault.

They of course did not return any of my money. And for the Consumer rebuttal fanatic who will say I should not rely on online as my guide, I didn't, I use a check register. Wells Fargo defrauded me. Period.

Second Incident:

I had written a check to myself (to transfer money acct to acct) from my BoA account to my Wells Fargo account. Before doing this, I called the bank and asked them how soon I would have access to the money. They told me I'd have check card access today, and cash access tomorrow morning at 8am.

I went into the bank and when the teller accessed my account, I very plainly asked him, 'Regardless of my negative standing the check will have access immediately through my card, correct?' He then informed me yes it will, and deposited my check for me.

I then attempted to go to Burger King only to have my card denied.

I called the number on the back of my card and was informed that because of the $200+ overdraft (incurred from the First Incident) that the check would not clear until the next morning for ANYTHING regardless of what the teller had said. I immediately called the bank, and the same Teller who had just said the negative standing did not matter, then proceeded to tell me that because I was in the red, it would not clear until morning.

He then proceeded to tell me that, however, if I made another deposit, this first check would cover the $200+ overdraft, and I would then have immediate access. So, I made another check deposit of $980. I was assured I would be covered.

I again, tried to use my card and it was declined.

I called the number on the back of my card again (as it was now approx. 5 minutes after 6PM and the bank was unsurprisingly already locked down). I was then informed of the same, that it would not be available until the next morning. When I asked if I could have some money released tonight (as I needed it) he then, in a very enthusiastic voice, said it was not possible and bid me a good evening.

Moral of the story: Wells Fargo sucks.

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VDanko
Moorpark, US
Jan 16, 2012 7:26 pm EST

Sept 2017 - I was at the bank and approached to take advantage of a 3% savings account promotion. I worked with Shahnaz Saralak. She was supposed to have set up an auto transfer from my checking there to the new account to avoid fees. She failed to do that and fees were charged. I went to a different branch and told them that there was a mistake. They said that there was no proof and I would have to pay the fees. I closed the account to avoid future fees. I went back to Shahnaz who remembered me but said because I closed the account there was nothing she could do.
I find this unbelievably deceptive in a business practice for the bank to make a mistake and not agree to correct it. I will be changing my direct deposit for the checking and ending my relationship with this bank. Please be aware that even if they make a mistake you may still pay. Hmm sounds like the problem we have now in the finance sector.

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Diana
,
Oct 16, 2008 4:42 pm EDT

I have just witnessed a bank robbery - the bank robbed me. I walked into a Wells Fargo to deposit some money into my checking account and was informed it had been closed with a zero balance. This, after a long discussion with the manager of the Keystone branch who credited me back $12 to a free checking account. He specifically told me (a lie) that the checking account would remain with $12 balance -- after charging me $50 in fees that I did NOT know about and that I will never recover. This happened because a new employee signed me up for a product that was NOT WHAT I ASKED for and they subsequently charged me monthly for having $300 in my savings, but not my checking, or visa versa, I don't remember. In any case, Wells Fargo owes me $62 which I will never retreive. I have been robbed by Wells Fargo. Another shameless white collar crime.

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res550
Desert Hot Springs, US
Jul 01, 2010 8:42 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Wells Fargo has a bad habit of transferring bogus funds into my account, then removing the amount the amount at a later date throwing off the account and then building up the charges and removing all the transaction history.

My checking account was credited 356 dollars with statement of transferred transaction then later removed plus they removed the whole transaction from the ledger and charged me for up to 400.00 dollars in fees charges. Of all the scandalous ripoff and the nerves to deny it all. I corrected the account to a positive 300. dollars by check and they refused to clear the check for 10 days forbidding me to access the positive amount till then. Horrible Institution.

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R. Madebach
Sarasota, US
May 30, 2012 6:46 am EDT

They are unable to complete simple tasks like "when I tell them to pay a bill they do not send the money" This has happened over and over. I had perfect credit until they took over Wacovia Bank. I have never missed a payment in my life until they took over. I pay my bills as soon as the bill arrives. I pay early and sometimes, like my mortgage, a month or two in advance...but not with these butt-heads. I have received another bill stating that they did not receive last months payment. They cannot even get paying them selves correct. My mortgage was sold to WELLS FARGO who is being paid by WELLS FARGO and they were sending it to the wrong address and then the Wells Fargo is too stupid to tell wells fargo that they were sending it to the wrong place and it went on for months and now they are saying that my mortgage is in arrears even though it should be a month or two in advance as it was for ten years or so and they are too stupid and riddled with INCOMPIDANCE to figure out what they did with my money! Worthless garbage and the worst excuse for a bank I have ever dealt with.

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gmacjaan
Yuba City, US
Feb 25, 2010 1:02 pm EST

i applied for credit card machine to activate but, the egent who are in chage did not return my call back i am loosing business every day since december of 2017. they have already charge me in my account $50.00 that i am not aware of it three person i called non of them call me back i have three account with them inclouding bussiness account.
now they got me big time not to open another account with diffrent bank.please help me to solve this problem my name is hamid

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Mary Bandiera
, IT
Feb 16, 2010 12:02 pm EST

My 96 year old mother and I have had a cd time account with wells fargo bank since 1992 (Opened in san francisco). We have been living in italy since 2017. The account recently was up for renewal I attempted to contact several wells offices to cancel the account and have our money wired to europe. I was treated as total ###, as if the money wasn't ours to invest as we wanted. Keep in mind that wells was offering us a rate of .4% on $106, 000. I still have no, no, resolution and they treat me as if i'm a robber of their funds. Help, help... I want my money! Total ###... Thanks...

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timstqy
, US
Feb 20, 2010 1:59 pm EST

I have been a loyal customer of Wells Fargo for years and recently found myself needing a power of attorney which I obtained...then when all was better and I no longer needed the POA. I went to my local branch got the information I needed to remove the POA from my account went back with the information requested and with my POA and was told I needed additional information and have it notarized.
Well it was a Saturday when I returned to receive this "great" news and there was no notary in until Monday the following week, my POA and I rearranged our schedules to complete this SIMPLE transaction (so we thought) I called Wells Fargo directly to inquire again why I was told one thing and then another at the branch...as if I expected an answer...Now I must jump through more hoops to satisfy Wells Fargo again ! I am sick and tired of these conglomerates taking advantage of the little guy!

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bubbajoe
Wilcox, US
Mar 21, 2011 12:14 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I also expierenced the same thing. Unauthorized charges to my account and additional five to six overdraft fees. Seems loss and prevention team concluded that they were in fact unauthorized but none of the service fees were returned. The following month they closed my account, froze my debit card . I couldn't have access to my account which meant that I couldn't pay my creditors, in addition to that they would always re-arrange my account. One day my transactions are paid, the next week they disappeared back and forth. They would post and pend my direct deposit. The CSR would practically laugh when I told him I would report them to "Department of Banking" or the Attorney General. The only thing I could figure it's thier way of not getting caught -no balance sheet- so you can't keep track of balances - unauthorized/outrages fees. Extra income for the company - consumer flips the bill. The local company is located in one area, the loss prevention in another area, loan reproduction in another etc. running wild and now they merged with another company.

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JDKP
Reno, US
Oct 07, 2011 8:40 am EDT

Our son opened his first checking & saving account with Wells Fargo Bank a few months ago after being told that they waived the monthly service fee for "all college students".
He was concerned about the recent increase in debit card fees charged by banks, so we went in to a local branch to ask about their policies concerning debit card fees. A teller told us that the fees were indeed starting in November of 2017, but that his account would be expempt because it was a student account.
When the monthly service fee (separate from the debit card fee) posted to his statement, we went in to a local Wells Fargo branch to check into it. We were told by 2 people at the branch that the monthly service fee could be waived for him only if he attended one specific University in town. There are a total of at least 3 colleges in our area, and he doesn't attend the one specified by the bank employees. They also told us that his account would NOT be exempt from the debit card fee, regardless of which college he attends.
We had numerous checking and savings accounts with Wells Fargo, but we are closing all of them. We will NOT do business with an institution with so little integrity that they will mislead a college student into believing he has benefits that they have no intention of providing to him. The fact that they pick and choose which colleges students must attend in order to be eligible for the fee waivers that are advertised for all "college students" is discriminatory and unfair.
We will not do business with Wells Fargo again.

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Michael V. Dugan
Las Vegas, US
Apr 03, 2011 1:53 am EDT
Verified customer This comment was posted by a verified customer. Learn more

This is in regards to Wells Fargo Bank, the department that handles home titles.I am trying to make a cash deal on a home in Pahrump Nevada, where the former homeowner had an accident, and was forced to abandon the property, over 7 months ago.My real estate agent had written many letters, but the people who work in this home title office, cannot seem to be organized.they are aware of the whole story behind the circumstances of this home, but they cannot be professional.I would like to get in touch with the vise president of Wells Fargo, to lodge a formal complaint!Also I am strongly considering, going to the Las Vegas Review Journal, to tell this story.In simple terms, I would like to purchase this home, where the former homeowner had to abandon because of health reasons, and she was friends with my friends, who are neihbors, and I am renting a room at my friends house waiting for the paperwork to get worked out, but these people who work at wells fargo keep requesting information from the previous homeowner, who is now living in California, who has left this house 7 months ago, and doesn't want to deal with the bank anymore.I am a well established client of Wells Fargo, I bank with them, but that hasn't helped me in any way.How could it be so hard to buy a house that Wells Fargo now ownes? I hope somebody would see this story and I would hope that Wells Fargo would take a close look a their employes, who handle the forclosed homes.They are not the most educated people, and don't care about selling a home to a cash buyer! thank you for reading this, I hope other people, wouldn't have this kind of bad luck, dealing with a bank owned home, especially, Wells Fargo Bank.

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Still Not Happy
Lawrenceville, US
Jun 16, 2012 7:30 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

Wanted to make everyone aware of how horrible Wells Fargo treats it's prospects.

I own a small business and four months ago was sold, hounded and chased until I opened accounts and started to do business with Wells Fargo.

After four months of countless questions, conference calls, meetings and empty promises, they have decided my business is not good enough for them. Wells Fargo came to ME! I did not go looking for them. Waste of time, waste of resources and waste of government bailout money.

As a small business owners, I don't have time to play around with these idiots at Wells Fargo. Put your money somewhere else. Wells Fargo is NOT the place to trust. They lie on the advertisements they play constantly in the radio and then they lie right to your face.

Now you know!

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Pupper
, US
Sep 27, 2009 2:57 pm EDT

I had hail damage on August 13th 2017. I received a check from my Insurance company with in one week. When I went to Wellsfargo in St.Cloud MN I was told because it was over $15.000 dollars it would have to go to the banks claim department. Here is where the horror story starts. It took many days off work to keep water from flooding my kitchen and two bathrooms because the skylights were broken out. I made so many calls to Wellsfargo to plead with them to send the 1st part of the money out, since it gets paid out in 3 payments.

I tried to keep tarps on the roof but it was to windy and they kept tearing and blowing off. I could not get a contractor to come out with no money down and when some of them found out that Wellsfargo had the mortgage they refused to work for me because they feared that they would not get paid. I was repeatedly lied to by them saying that they mailed the check out only to find out it didn't get sent until October 2nd.In the beginning of this I told Wellsfargo that there was a purchase agreement written on my house and closing was set for Oct, 26th. I have yet to see any more of the Insurance money.

So I am asking you to help me figure out where the money is and how do I get something that is rightfully mine. AS of today I only received 1/3rd of the $18.000 dollars. This is not right and I will fight this to thew end.

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anthony barry
, US
May 07, 2010 12:07 am EDT
Verified customer This comment was posted by a verified customer. Learn more

I have a home loan with wells fargo, for over one year now they've been giving me the run around to modify.I need help because I don't want to loose my house.My sister helps me with my mortgage but wells fargo said their policy is this, that my sister has to show proof of occupancy if she is helping me.In other words they want a bill in my sisters name with my home address.How silly.My credit is already ruined which is what this bank wants.They pretend they are helping homeowners but I would take that with a pinch of salt.I know there are other people with similar problems, can we all come togather and do something before this bank drives us crazy?Email me and we'll chat.

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Tpc0516
, US
Jun 02, 2011 2:37 pm EDT

My wife and I decided to change our checking account from Wells Fargo. with no money in the account Wells Fargo continued to pay accounts such as LA Fitness and debit our account for NSF and contining NSF fees. After deducting over $300 in their fees and $200 dollars in payments from an account with zero funds available; they unilaterally decided to take the funds from our 27 year old son's account. He hasn't lived at home in years, works for himself and has his own finanacial obligations. They have a legal right to do this. It's remarkable. I don't care if the name is Clinton, Bush or Obama - the real ones running this country is money people. They are unethical, immoral and corrupt. Our politicians are nothing else but spokepersons for them. Wells Fargo is a disgrace

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heresyrsign
Puyallup, US
Jul 10, 2010 8:54 am EDT
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Well I would be here all day if I had to list all the underhanded practices I have experienced in dealing with Wells Fargo Bank. It goes from me depositing 5- 100 dollar bills in the ATM, and them telling me I only deposited 400 dollars. Fought with them to no avail. Having a positive balance from my direct deposit, at 5 am and using it at 6 am, then they overdrafted me and said that my money wasnt available till 8am, strangely enough if you click on your (available balance) where it explains it it says this si the most recent picture of funds available for withdrawl. They actually have the B___s to argue with you about whats clearly written in THEIR policies. The latest, well I need to get a direct deposit advance. (thanks to all the overdraft crap), but apparently I'm not elligible because I'm overdrawn, (I'm showing a positive balance with no pending transacions), or I'm bankrupt (I'm not bankrupt). What a joke this bank is. If they want to rip off people to keep their failing institutions head above water, they can cut their employees ie; bank mgrs, ceo's fat whopping bonuses.

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cybertag
Roseville, US
Jul 22, 2011 6:53 am EDT

We went into the Roseville Woodcreek branch for a simple deposit and were coerced into changing over our business account. After 2 hours with a bank clerk, Alex, he said we would save on our monthly $3 fee. Our monthly fee was only charged if we did not meet the minimum requirement of $1, 000 per month. After 90 days, we received our bank statement and our fee had increased to $12 per month, even though we had over $3, 000 in our account.

We went into the Woodcreek branch and were told we needed a debit card to have the monthly fees waived. We specifically told Alex we were not interested in a debit card and do NOT want one. He said there would be no problem and there would be no monthly fee.

Alex was on paternity leave, so we met with Sierra. Sierra was not helpful and more than happy to help close the account for us, after being a Wells customer since 1996. We then met with the branch manager, and he said Alex was correct and we did meet the minimum requirements, and would waive the fee, as well as try and find out why we are being charged.

Several weeks past, and we received a telephone call from Brian, the branch manager. He said it was their error and the only way to waive the fee would be to signup for a debit card. We do not want a debit card And have no interest in one. We informed them that from the beginning. This is wells Fargo error and they refuse to correct it. They have told us they are not able to convert our account back and the original account we had no longer exists. The account fees have gone up more than 300 percent and they are telling us that is business. They do not care about the small business owner and will screw you over anyway they can. Very poor customer service...vwe arectaking our business else where. Very sad after being a customer for over 17 years.

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boneva
Middleton, US
Jul 23, 2011 10:54 pm EDT

Lets all unite and sue Wells Fargo! To me they did what is considered by law impossible - returned a deposited cashier's check written out of Wachovia! Supposedly they called and confirmed that the funds are available, I deposited the $15k check and 2 dsys later the money was out of my account. They told me the check was stopped. You can't stop a cashed cashier's check. Well, apparently nothing is impossible with them. You's think they'll offer some compassion and advise and follow up - no. Explain why they told me the funds are available when if fact they weren't - no. They did find the time to send me a copy of the check back plus to charge me $12 for sending it to me.
We all need to stop banking with them and put them out of business!

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tadboy
Sacramento, US
Jun 02, 2011 11:41 pm EDT

I live in sacramento, ca.
Last week, I noticed my wells fargo atm checking account monthly fee had gone up to $7 from usual$5.
I called wells fargo customer service to find out whys; why wasn't I notified, why the big jump, why couldn't offer me a cheaper account types?
Well, the customer service rep told me that I was notified 3 month in advance of fee change in my monthly online statement. I looked and sure enough it was posted on bottom of my statement where I don't usually pay attention to. According to the bank they can do what ever the changes, after a sufficient notice to the customers, because so we signed an agreement when opened the accounts.
But, why am I so pissed at them right now is that they called my 12year old account "a grandfathered account" which is no longer offered to new customers, which is the reason for the fee hike. Yet, they created another account type that has exactly the same features as my account and they call it "value checking account", and guess what.. The monthly fee is only $5, just like my old account used be. And I am glad they switched my account to the "value checking" after my repeated request (Had their computer problems every time I called.. ) , but i'm not too happy about refusal of refund of extra fees they already charged me.

In my opinion, the wells fargo is just asking for it... I mean, sooner or later some attorney will file a class action suit on behalf of the victims who was not aware of the unethical legal ripoffs.

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Ronald Kramer
New Haven, US
Jan 19, 2012 8:40 pm EST
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I received a money order, purchased, by a friend in Califotnia, from Wells Fargo bank. When I presented this money order to the Wells Fargo branch in Hamden, Ct., I was told that there was a $ 10.00 fee for cashing the money order since I didn't have an account at the bank. This was not a perdonal check, or a business check, or any kind of check, but as money order, sold by and drawn on Wells Fargo bank, for which the friend probably paid the Wells Fargo bank in California. Chargig a fee for c ashing their own money order, while it may be legal, is beyond sleezy/ If the party had puchased the money order from the Post Office, or Western Union, or any other honest business, there would be no charge for cashing it.
This practice is outrageous. I certainly would never bank with Wells Fargo, and would advise anyone else to avoid this contemptible bank.

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W. Ralph Clakr
Longmont, US
Feb 03, 2010 10:47 am EST

We moved here from Canada 2 yrs ago with over $200, 000 cash. I had to wait 4 yrs for my visa. We bought a house for $300, 000 and put approximately 100, 000 down on it. We then had to spend another $20, 000 to repair it. Since then I have put another 60, 000 (large shop) into the property and I have worked for a US company for 8 months then started a business employing profesionals in the area. The bank would not put my name on the mortgage because I was still working for a Canadian company. I was a long haul trucker and owned a 2017 Volvo truck free and clear and drove from Calgary, Alberta to Miami and various points along the mexican border hauling meat. They also would not accept my Canadian credit information which was very good, but religated me to that of a high school grad with nothing. At that point I was worth about $250, 000 and had only the new mortgage as debt. I applied for a credit card and was turned down because of lack of credit history. My Canadian credit card has a $32, 000 limit on it and was almost always paid up on time. I finally got one from Wells Fargo but had to pre-pay $500 for it. I set it up to be automatically withdrawn if I forgot because I was trying to improve my credit rating from the 0 that it was. I used it while on the road in my truck and always kept up the pre-paid on it. When I quit trucking I quit using the card. Shortly afterward I recieved a note that I was overdrawn on my checking account and when I checked it was because the automaic withdrawl had taken out a payment for the credit card. I cancelled that and the next month got a letter telling me they had not recieved my minimum payment for the credit card and charges had been added along with interest. After many calls to find out why I had to make payments on my own money I was told that it was a regular credit card and my money was only being held to secure it. So I have to 1] make payments on my own money and 2] pay interest on it as well as 3] pay any charges the bank wishes to add such as late payment fees etc. I don't see that they are paying me any interest on my $500 they are holding. I was also advised that they could not give me a real credit card because my score was under 600, when it was 640 that day. I have since been advised that I will not be able to qualify for another year because I missed making a payment on my own money when I quit using the card.
I also attempted to acquire some overdraft protection recently and after over a month and about 5 different agencies in Wells Fargo I don't qualify. Oh yes they will take my volvo S60 as colateral to pay off my 1700 credit card. I am presently worth almost $200, 000 and my credit rating has gone up to 670 so what is the problem. We have started up a new account at another bank and recieved a $2500 credit card on the spot. I have also been approved for a $50, 000 loan on another truck that I will be picking up soon. I have never been more humiliated by a bank in all my life and greatly resent it. Another embarasing thing is that they cannot seem to get my name right. It is W. Ralph Clark and they will not change it from William R. Clark. I have been known as Ralph from birth (parents choice) and would like to keep it that way. The other bank had no problem withthe name at all. I have been humiliated beyond reason by this bank and think they need a lesson in customer appreciation.
W. Ralph Clark

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bodmor
, US
May 13, 2009 10:10 pm EDT

On April 24, 2017 I signed documents for home mortgage refinancing with Wells Fargo Bank (original mortgage WFC) branch at Monterey Park, Ca. I informed both the Escrow, Inc. & Wells Fargo representative that I believed that I had to stop my previous mortgage monthly payment. They assured me that this would be taken care of at the time of the WFC mortgage closeout from the original mortgage. This did not occur & I was given misinformation by WFC staff. On May 5, 2017 $989.09 dollars was applied to my previous mortgage payment and remains unavailable for approximately one month (check issue & mailing). Wells Fargo staff has continuously misrepresented information either though omission or fabrication, whether, checking, VISA and mortgage accounts over the past 7 months since the account sign on.

I feel I will be continuously be 'duped' by WFC BANK I my commerce dealings.

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ctrejo
San Antonio, US
Sep 17, 2010 9:09 pm EDT

Complaint: Rudeness
On Sep. 17, 2017 I noticed a NSF charge on my account for a charge on 9/2/2017 called Wells Fargo Customer service for a reversal. According to my online accounts they had no reason for to withdrawl fee. Spoke to Carl (a)in Sacramento, California advised me he/she could not give me full credit only partial. Asked to speak to a supervisor. Courtney came on the line and was extremely RUDE, very loud and had no customer service whatsoever. Courtney should no hold that type of position if she cannot handle complaints in a manner that does not aggravate the other party. My complaint now is not the NSF- Wells fargo can ...the 35.00! My complaint is the rudeness of the agent and truely believe she needs to be replaced! I have been a Wells fargo customer over 12 years and I will find another bank that will love to take my money!
Thanks
Claudia Trejo

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Rebecca
, US
Apr 29, 2009 8:40 am EDT

Started about two years ago they "forgot" to pay my taxes from our escrow account, so my local county office sent us notice that the house was to be auctioned in seven days! We notified wells fargo, yeah they scrambled to pay it, but they failed to tell us it came from our escrow the next year which in turn sent the escrow in the negative. Now every year we received a surplus overage check from excess in the escrow account, we always called to be sure everything had been taken care of. We actually would take those checks and pay a house note. So they punished us the next year by raising our note by almost $300. We spoke to everyone we could about this, and did not get anywhere. Then we had a modification done, and did everything exactly as they said to do, but this year we found out they are saying we faulted. If that was true why would they restart the loan? We went to try and refinance, and were told that countrywide was out lender, "we were never informed of this". So since our note was sent to them after wells fargo was so nice to use countrywide, instead of the fannie may or freddie mac. We have once again been screwed by wells fargo. So after five years in a home we worked so hard to keep, and land we love to live on we are being forced to give up our home to a short sale to prevent foreclosure going on our record. This so called bail out, and people getting the help they need is a bunch of crap.

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Andre556
Portland, US
Oct 06, 2011 1:48 am EDT

This week, I got a new check card in the mail from Wells Fargo Bank. As I picked up my phone and dialed the 1-800 number to activate my new card, I was surprised to be greeted by a real-life operator. She proceeded to read me a painfully long script about a 'protection' service that costs just $1 a month (plus $14.99 each additional month), conveniently deducted from my Wells Fargo checking account. She ended her script with the word "okay?" I told her I was not interested. Again, she read another, shorter script - basically saying that I would receive written information by mail, but still saying that I would be signing up for this same service for $1 a month + $14.99 and ended on "okay?" Again, I said no I am not interested.

What bothers me is that I had to listen to a sales pitch (twice), ending on "okay?" which, to me, is an unethical way to prod people into signing up for a service. I don't care what service it is, don't try and trick people into saying "okay" and signing up for it.

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Johnson
, US
Apr 20, 2009 11:14 am EDT

Whenever a customer of Wells Fargo Bank goes overdraft, Wells Fargo rearranges the order of charges in order to get as many finance charges as they can. Their common tactic with this scheme is to place the biggest charge first to make a customer overdraft, then place the little charges afterwards. Wells Fargo will even retroactively change the date of a recent charge even if it wasn't pending in order to hit their customers with more finance charges. In other industries such as the pharmaceutical industry, this is called back dating and is a felony in those industries.

This last week, my mother was recently snagged by this policy. The net result was over $250 worth of finance charges. What happened was that Wells Fargo decided to take a large charge out a few days earlier than it was supposed to be taken out. If the proper date was followed the account would have never been overdraft in the first place.

My older brother was financially ruined by the practice. He has since closed his account with Wells Fargo. I have been hit myself, with the use of back dating used as part of the charge manipulation practices I mentioned. I wrote my report as a response to a similar incident involving Wells Fargo I just read today.

We as American consumers need to report this to the BBB. I highly suspect that this policy is standard for Wells Fargo. To be honest, the only way these banks are going to change their dishonest practices is if they suffer financial damages, such as for example, a steep fine paid to the victim per manipulated charge.

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Susan Wenzel-Bertelsen
,
Apr 10, 2008 1:27 pm EDT

I made the mistake of getting an auto loan with Wells Fargo in September 2017. The auto dealership set up a bi weekly payment plan in which the 1/2 payments were taken out of my checking account every other Friday and sent to Wells Fargo. The calls from Wells Fargo started with the very 1st month's payment due date and have continued for 18 months. While all payments were well within the 10 day grace period and I have no late payments showing on my payment history I was still harassed every month. They call all hours of the day and night, Sundays included, with a recorded message when you pick up the phone to "Please hold"... After I learned the phone number from the caller ID I would hang up. Who calls someone and asks them to hold for 5 minutes until they are ready to talk? When I was feeling like I should answer I would hold for how ever long just to get some ### that had nothing worthwhile to say, but would harass me anyway. I explained the biweekly plan no less than 18 times to this bank - but everytime it was like the first time to them. I have recently found another finance source for my car and now the real fun begins. Because I have a partial payment that was due (because of the biweekly plan) before I can get the payoff amount - Wells Fargo can't seem to find it in them to post to my account the check I mailed them 11 days ago. They continue to call me about $53.00 some odd dollars that is 10 days late, according to them. My payments are normally $313.00 which means I am paid ahead! Today, they asked me to do a bank check over the phone and continued to ask me stupid questions - "why is the payment 10 days late"? My guess is it's either sitting on someones desk who happens to be on spring break or they are refusing to post the account because they know I am refinancing the loan. Either way I can't believe it takes 11 days for a check to get from New York to California and get posted to my account. I have two fellow employees who have a car loan with them and the phone is ringing off the hook here at work with the same harassment to them. Anyone who does any business with this company is out of their mind! Their interest rates are exorbitant, there service is terrible at best and I will never do business with them in any form or fashion ever. You might want to consider doing the same.

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GJ Straube
Seattle, US
May 07, 2012 3:07 am EDT

I opened an account with Wells Fargo. On Saturday, I deposited a paycheck from a major employer in Seattle that was written on a Wells Fargo account. This was done with a teller and not through an ATM machine. Over the weekend, I tried to buy gas and groceries but the account showed that my paycheck funds were being held. I just called bank and they told me that because I deposited it on Saturday, that it would not process until tonight (Monday) and funds should be available tomorrow. I find this outrageous given that the same bank will just cash the check if I ask for all the money, but when I deposited it, they didn't honor their own check for almost 72 hours! I know of no other bank or credit union with such audacious banking practices. In fact, in the past, Bank of America cleared my paychecks written on Wells Fargo account in less than 24 hours.

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skewlgirl2002
, US
Jul 31, 2009 9:33 pm EDT

I opened a minor savings account for my new son who was about to turn one and wanted all of his birthday money to go into the new account. A whole month after I opened the account I kept receiving notices that the bank was missing ID information on my baby. So I took the notice in and gave appropriate ID and 2 weeks ago today the bank shut down and closed all of my accounts, including my debit card, checking account and 3 savings accounts without notifying me, after of course they told me everything was fine with all my accounts. And it just so happens that the day my accounts were closed was bill day, the day I sent off all the bills for the month. So I go into the local branch after talking with the extremely rude call center and I speak with the Assistant Vice President of the Corona, CA branch and he sat down wth me and found out that all of my accounts were closed due to bank error! And all of my money was withdrawn and sent in check form to my house. This was 2 weeks ago, my checks for my bills are all bouncing, rent is due tomorrow and I'm out $1600 due to bank error. The Assistant Vice President keeps telling me "any day now". The bank has done NOTHING to compensate me except order me a custom design box of checks for free. And the funniest part about this is that they cannot put a stop payment on the check they issued since there is no tracking number! What is wrong with this? DO NOT USE WELLS FARGO-BAD FRAUDULENT BUSINESS

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Jim
Los Angeles, US
Apr 02, 2009 12:18 am EDT

I'm at the end of my rope and I only have myself to blame after being told repeatedly to leave Wells Fargo a long time ago. In 2017 and moved from another bank to Wells Fargo. I did a debit transfer of $10, 000.00 to them to lower my interest and payment. Three years later I got a huge bonus from work and paid it off with one check. Since then I have set up auto pay for all my bills and overdraft protection to their Visa Platinum card that climbed to a limit of $20, 000.00 and like others, the bills hit during times when the funds are low and this causes an overdraft. For five years I average about $3, 000.00 a year over to the Visa card which I always pay off. Last July they started moving the due dates around. One bill would show a due date of the 10th and another the 15th. In August for the first time ever I missed it all together? I did spot this on their website so I made a double payment. November come around and I only a couple dates late but this was fixed by simply paying the single bill. January '09 comes and this happens again. All the time there's no overdrafts so I'm thinking I'm in good shape so I spend some extra think I can handle the overdraft like I', acustomed to and life moves on. Here's were things get really ugly! I open my AOL account to read emails and there overdraft notices all over the place? I see three on 03/27/09 which is also pay day. I immediately go to their website and find that I'm sitting negative $256.24? My pay checks gone and there's eight overdrafts over the past two weeks? Remebr when I said that my Visa has a $20, 000.00 limit and is the source for overdraft? I call them and is get down write stupid. I get this second or third level person who explains that in November after I was late with only a second payment, they decided to cut my Visa limit to only $2, 900.300. She then explains that since then, every time I swiped my ATM card there was a $35.00 fee attached to each transaction no mater how large or small and that I have hit the $2, 900.00 limit a few weeks ago. I then asked about the 27th and why three? It's because I used it three times that day and they had gabbed all my money wright after it was deposited. I told her that on transaction was for an energy drink only and this person could see a small purchase that caused a fee. That alone translates into a $38.00 single can of energy drink. I told her that I signed up for $50.00 dollar incriments and this person told me that, that was only when it goes to the Visa card, all other overdrafts are for each transaction? I told her to please remove these because they are totaly unfair and also asked her why wasn't I ever notified of this issue? This person simply claims I was and told me "I'm denying your request because your account is overdrawn"? I told this person that you folks did it and it can and should be removed. Denied again. This person then reminded me that my next payment is due on the 15th but I told her that the automated message said the 10th. This person then said that's a grace period? Now their way out in left field. I then tell this person that now that they took all my money, how can I pay my other bill and YOURS? This person goes silent for a moment then responds that the payments due on the 15th? I told this person that I was in total shock a the way they are treating me after all these years and all the hundreds of dollars I've payed them over the years. This person then says "Would you like to make a payment now"? Are you kidding me? Were am I going to get the money? I told this person that they are not going to win this. I stopped the auto depost for my paycheck. Call all the companies that I have set up with auto pay and turned them back to paper and cashed out a major chunk of my retirement stocks to cover me during this crisis. Most banks would have worked something out but not Wells Fargo. They train their people to be ruthless. It's not a computer program that decides issues for them, it's the people. I know for fact that they are in the wrong and this person could have removed as least one of the fees but just plain didn't want to. If there's anyone that's filed or filing a lawsuite against them then please do and you can count me in or I will simply go it alone.