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4.4 7548 Reviews

Wells Fargo Complaints Summary

624 Resolved
1094 Unresolved
Our verdict: Engaging with Wells Fargo, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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4:27 pm EDT
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Wells Fargo incompetent

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

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Wells Fargo lack of customer protection / inappropriate banking practices

On Tuesday June 9, 2009 in the morning I had a call from my daughter asking me if I have withdrawn money from her account.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 I assured her that I have not withdrawn any money from her accounts and will call the Bank to find out what is going-on.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

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

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

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

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

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

Thank you

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Wells Fargo awful company

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

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

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

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

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

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

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

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

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ClassAdvocate
, US
Jun 17, 2009 7:15 am EDT

You raise a lot of points in your complaint. I will address only one. While all situations are different, you may be entitled to overtime pay if you worked over 40 hours a week. Below is a link to my web site that lists a bunch of class actions against mortgage companies and lenders for failing to pay their employees overtime. Good Luck.

http://www.classadvocate.com/?direct=y&category=product&product_level1%5B%5D=300%3A1474&product_level1%5B%5D=300%3A1504

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5:29 pm EDT
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Wells Fargo fraudsters and cheaters

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

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

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Wells Fargo wachovia allowed my girlfriend's roommate to clean out her account

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

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sunny7791
Trenton, US
Dec 09, 2009 6:58 pm EST

BBB Rating for Wachovia

Based on BBB files, Wachovia has a BBB Rating of NR .
Reasons for this rating include:

* This business is not currently rated. BBB does not have sufficient information to issue a rating for this business.

Its hard to believe that I am the first one to complain about Wachovia to BBB!

Wachovia might listen to you to keep their name clean so if you are having problem with them you should start complaining with BBB

its really easy and everything is done online

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yeahthere
sumpter, US
Jul 07, 2009 12:13 pm EDT

the people over the phone dont have he pin there is no way they gave it to him.

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Wells Fargo loan error

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

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Wells Fargo mortgage fraud

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

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

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

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

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sick of wells fargo
Eden Prairie, US
Sep 25, 2009 12:13 pm EDT

Incompetent is the only way to describe Wells Fargo Mortgage group. Delay after delay in our closing, we will either need to pay another months rent or be homeless.

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DavidChris
Shallowater, US
Sep 11, 2009 9:27 pm EDT

This company is crap. In my opinion, they need to be sued. A relative of mine started a loan in April, they were approved by the middle of May. Their loan officer quit and some person took over their loan. He had never done a loan. By June there was still no closing date on the loan. The credit was approved, home equity loan(their house is completely paid for). Apprasial was good, they signed papers and then signed their three day waiting period paper to get their monies. Three days came and went and the people at the "Texas" branch screwed up one more time.Here it is September and they have signed six times and their three day period twice. They even have the joker from the El Paso office working on it. She and I have both asked for the boss, boss and higher boss's name and phone number, and were turned down. Their policy is they are not allowed to give out boss's names or phone numbers. It is against WFF polices. They have ran their credit now 6 times and it has lowered their score. They are now stuck and today was the three day signing day again, they just signed their last set of papers three days ago, and they were told all figures were all wrong again, this time the branch manager messed up. Their boss in "Texas" just had a baby and is not at work, even though he personnally guaranteed she would have her money on Aug 24th, 27th, Sept 4th, 7th. and etc. No one will help because we can not get a phone number to a big boss. All needs to be fired, we believe there is someone covering up something. I believe the money is just sitting there and they now are so mad they are not going to give it to her. Plus they have been on her insurance since June 1st and will not release it, so now the insurance is upset because WFF has had their house insurance since June and never had permission. I have had Wells Fargo for years and they are connected to each other, because of what they have done, I will not be using them and I have every intention of telling athe president at my branch why. I will help my relative file with the Texas Attorney Generals office, by the way we ask who governs them and they said they(WFF) does not have to answer to any agency at all. Is this true?

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Wells Fargo - unfair discrimination

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...

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Wells Fargo fees

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

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FC Vasquez
SeaTac, US
May 01, 2012 12:54 pm EDT

Wells Fargo has been my bank only because my original bank was bought out by them. I was skeptical at first but thought I would try them. I had met every criteria to keep a free fee checking and savings account for years with Wells Fargo. The criteria kept growing to different mandates. Now they have taken this mandate to a higher level. Unless I keep a minimum of $7500 they will start charging fees on my checking and savings. I have a debit card, automatic deposit, a biweekly transfer to savings and still not good enough. And because my house is paid for and DO NOT need a mortgage (which by the way would waive the fee) I'm being penalized. I can see why consumers are leaving big banks and going to the local friendly non-profit credit unions. I will leave Wells Fargo. It's sad to see a stigma in the banking world.

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kambeachbums
Kihei, US
Oct 27, 2011 11:15 pm EDT

We were charged a $100 inactivity fee on a business credit card account. When I offered to use their card if they would waive the penalty, I was told it was not a penalty but a legitimate fee that was less than the annual fee charged by other banks. No one had authorization to waive or reduce the fee, I was told. Some banks voluntarily extend CARD Act protections to small business cardholders since the CARD Act bans issuers from charging inactivity fees on personal accounts, but not business accounts. But not Wells Fargo, who bills itself as THE bank for small business, but will not give an inch to keep its customers who don't play by their rules. Bottom line: trying to keep my credit card debts down just cost me $100 and resulted in talking to two "brick walls" who would not acknowledge that keeping a customer was more important than the $100. Closing an account never felt so good.

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Wells Fargo mortgage refinance

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

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Update by edieInNY
Nov 01, 2009 8:18 pm EST

OH. I forgot to mention...

;-)

One of my customers is a big real estate lawyer. They deal with WF daily, and even they could not explain why WF denied my loan. But they talk daily to the closing agent (or whatever her title was) that screwed me at WF ! They acted as an intermediary and actually got me most of my money back. In the end I was out about $15 for the credit check.

SO I would also suggest that if you got screwed and can back it up with documentation, talk to a lawyer. Even if they could just send WF something on their official legal letterhead stationery...it might help.

Update by edieInNY
Nov 01, 2009 8:10 pm EST

I am almost sad that my original complaint had so many similar stories. I guess I'm not surprised though. When you are dealing with such a large impersonal company, it seems to go without saying. Not that its excusable though. There is no excuse for the treatment I (and you all) got. We are the ones paying for their bonuses, their bail-outs, their yachts and Beemers.

I did report them to BBB, all appropriate gov't agencies I could google, my state banking dept, and even considered a class action law suit (who has the time for that?) I posted on here and I tell absolutely everyone I know about my experience with WFHM.

Best advice I can give is be patient, do some research and then go local. Do not go with a big bank or lender (like Ditech). Trust your instincts, if it smells fishy, its a fish. I went to a small local (brick and mortar, do not go to online sites) lender. I got a great rate and am very happy.

Good luck to you all.

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counting 2
Scottsdale, US
Jan 22, 2011 10:25 pm EST

The same thing is happening to me in Phoenix Arizona. The big waiting game. One offer to short sale my home, I explained I wanted to stay in my home, and would like to work out a loan Mod. My down payment was $40, 000 with payments of $1200.00+ per month on a balance of $180, 000, and now the payments have gone up to $1600.00 . I have missed one payment, when I got laid off. They have multiple people talking with you and neither one knows what the other one is doing. Talk about robbers

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looloo28
Warner Robins, US
Nov 01, 2009 2:52 pm EST

My husband and I went through a rough time due to his job loss. We were never late on a payment. We bought the house in March of 2007 and in October of 2008 we could no longer stay alfloat. We called them they didnt want to help beacuse we were never behind on our payments. Finally at the end of November they agreed to let us do a short sale. We had an offer for 135, 000.00 and the house was appraised at 145, 000.00 it took them a month to tell the realtor they wouldn't accept the offer. In March they sent us a letter about a deed in lieu of foreclosure. I filed the paperwork immediately it took until April for someone to even contact us. They said it was approved at the first of May. Towards the end of the month we received a phone call saying everything had went through and we would have to be out within 30 days from the date of the letter. May 29, 2009 we received a letter saying the deed was denied. My husband was on the phone with them for an hour and a half . They said it was denied because the paperwork wasnt turned in enough time. We got a letter in the mail saying to foreclosure date was set for June 2, 2009. We had to gert out immediately we moved everything we had in one weekend. On top of that my husbands credit is ruined and they have put the house on the market for 137, 500.00. This company should be shut down completely.

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Aspen
, US
Aug 11, 2009 3:44 pm EDT

My situation is simlar to the other posts. I thought refinancing through Wells Fargo would be easier since they held the original loan. I started this process in April 2009 - it is now approaching mid-August 2009. I have received four rate extensions. I have had very limited contact from my mortgage refinance contact. When I do receive e-mails from my contact, there are misspellings and poor grammar. It's impossible to reach WF representatives by phone and when I do, there is a series of mixed messages and confusion on their part. If I didn't have a low rate locked in, I would stop the process with WF and try refinancing through another bank/credit union. In all honesty, I wouldn't be terribly unhappy if Wells Fargo denied by refinance. I'd prefer not to do business with them ever again.

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sflegal
Lennox, US
Aug 07, 2009 9:37 am EDT

I went through the "exact" same thing as edie in ny...our stories are identical...my loan was orginally with another lender who sold it to Wells Fargo...so I didn't have a choice at that point on who was going to hold my mortgage...I hate WFHM and would NEVER finance anything with WFHM ...can anyone offer any other alternatives? I really want to take advantage of the lower interest rates...that is the only reason I am willing to refinance...

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baroq2
, US
Jul 27, 2009 10:28 am EDT

Would rather not ID myself too much but, been waiting 3 months to close refinanced reverse mortgage. Your comments about WF are scary. Hard to believe banks are getting away with this stuff during our financial crises.

Baroq2

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moni237
Summit, US
Jul 11, 2009 12:04 pm EDT

I am going through the same thing with Wells Fargo and also submitted a claim with the Better Business Bureau.

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upsethomeowner
Beebe, US
Jul 07, 2009 4:03 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I too and going thru almost the same issue. WF has my current loan..after they contacted me about refinacing . At least i have not had the rug pulled out from me yet.
I've been out $673. 6 months later this appears no closer to closing .We've seen given a couple different closing dates, that have came and went.Along with numerous loan employees..that all of a sudden you no longer hear anything from..only to find out they are no longer with the company. And getting a return phone call..is pretty much out of the question. I feel your pain. Have you tried calling the [protected] complaint number? I feel your pain!

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angry-person
, US
Jul 03, 2009 4:20 pm EDT

Wells Fargo Home Mortgage are all theives. Our story was almost identical with some twists. Our mortgage, sadly, is also with WF and we also thought it would be prudent to refinance with them. Big mistake. We were strung along for 3 long and grueling months by our loan officer (initials: M.R.) in the WF branch office Concord, MA. He told us right until the last minute that everything was fine and that we were, in his words, "all set". At the very last minute he pulled the rug out from under us and told us that WF had changed the requirements and that 86% LTV was being modified to 75%. Worse, he kept us waiting for weeks, never returned our calls, and made numerous promised he could not keep. We're out a whopping $575 for the appraisal, that we can only hope to get a refund for. I would strongly recommend staying away from these bandits.

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Wells Fargo overdraft fees are profitable banking

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

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Update by Scott
Oct 20, 2009 4:00 pm EDT

THANK YOU MARK ! You obviously understood exactly what I meant in my origanal post 5/21/09
"overdraft fees are profitable business".

If I make a mistake then I should pay for it, but the way it is structured in the policies of the bank you pay for it mutiple times thus making it profitable business. I even gave Wachovia one more chance...HaHaHa. Right now I have the 2 accounts established for overdraft protection that are both at $0 and my checking account has been ($175.00)negative for over 60 days. Now, I contacted them about the problems they agreed to refund $70.00 of the OD fees. I incured 5 OD fees based on one transaction. I reveiwed my account history from beginning March 05, I had no problems until Jan 07, Wachovia changed somthing in their policies /procedures for OD fees because the fees also increased from $30.00 to $35.00 in that same month Jan 07.
Counting the most recent happenings I have had 106 OVERDRAFT FEES withdrawn from my account...thats over $3700.00 (THREE THOUSAND SEVEN HUNDRED DOLLARS) with less than $500.00 refunded. So, Maggie you can get in line behind Wachovia and kiss my ###... I plan to see how long it takes them to try to collect the OD fees on my account and when that begins I will take them to court for all of the fees not just the last ones. I ask for the account to be credited to zero balance and closed and they said NO. I made sure to deposit the $10.86 for the good I purchased which caused the last episode. I sure don't want anything for free...

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Megan Hartsgrove
,
May 11, 2008 1:30 pm EDT

Wachovia over drafted my accounts on numerous occasions! When I called the Bank and went in to see the Branch Manager he assured me they had "taken care of it". Now it is on my credit report with the payment being owed to RJM Acq. This bank steals your money and lies to you! We should all get together and take action!

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carole williams
, US
Jun 24, 2010 2:36 pm EDT
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i am not a member never was I just want my 34.95 that you took out of my checking account on june 2, 2010, my name is carole williams my cancellation #5071587, you can call me back at [protected]

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Alice B. Williams
,
Apr 30, 2008 5:23 pm EDT

To whom this may concern: 31. 98 was taking out of my account, which a 35. 00 dollar feed charge to my account for over draft. I like for this to be resolved and the money put back in my account. I had no knowledge of this tranaction. What can i do too clear this up?

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james a. carson
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Oct 02, 2008 7:26 pm EDT

wachovia bank is what I CALL legal comsumer robbers, only they rob the poor and give to the rich.

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Shakea Campbell
,
Sep 29, 2008 1:43 pm EDT

I did not know about the funds withdrawn from my account, I would like a full refund, Please!

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candyjudah
Charl, US
Jul 25, 2011 3:00 pm EDT

I have been a customer of Wachovia for years and I'm sick and tired of their theivery and conniving ways in robbing hard-working people with NSF/Overdraft fees. Before I went on holidays oversees 2 weeks ago, I called & spoke to a CSR to inquire about how much they charge for withdrawing money oversees. He told me only 3% will be added from them. When I looked at my statement they took out all fees associated with my transactions the same time I used the ATMs. Now last week, I got a WHAMMY! They took out additional fees stating that they are for fees AGAIN, from using ATMs oversees, saying that VISA has to get a cut for fees also. WHAT THE ... Now I"m in overdraft AGAIN because the exact money I had in my bank account was to pay bills but now I'm in the NEGATIVE. Their CSRs are sooo unhelpful, RUDE & DISRESPECTFUL when you call them. Wachovia, you just lost ANOTHER CUSTOMER!

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PROTECTOR OF THE PEOPLE
Costa Mesa, US
Dec 27, 2010 9:25 pm EST
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Dearest Maggie,

This organization Wachovia pretends to be a bank and is nothing more than A Corrupt Financial Cartel pretending to manage the principals assets they have sworn to protect.. You must be an advocate for the banks or ignorant of the truth if your going to defend the banks and their manipulations of their client' commerce transactions. Breach of Fidicuiary Duty and Fraud Charges is what shall be handed down.

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DMW83
Durham, US
Mar 15, 2010 10:01 pm EDT

Maggie totally agree. I am guilty of not keeping a perfect log of my balance at all times, and not so much because I'm lazy, but because I'm busy. I work 2 jobs and go to school, which makes it hard. I seldom overdraft, but have a few times and accept full responsibility for it when it happens. I know that if I have kept a better log it wouldn't have happened, and I'm not so sure about what these "fees" everyone is talking about includes. Most banks have a set fee for overdraft. For example if it's $30 you will get charged $30 every time you overdraw, so even if you only overdraw by 20 bucks, if that's on 5 different purchases you owe the bank $150. I'm not sure how one gets charges hundreds of dollars in overdraft fees, as anytime I have been charged overdraft fee it's been once or twice most and thus $60... and like I said I don't keep a great log. Sure I agree the banks are dirty and make insane amounts of money, but that's all the more reason to keep a better eye on your money. If you don't to keep a tedious log... at least check and make sure that all transactions have been processed before you spend more. With online banking you can get all transactions in the past month, and more if you want. Because I'm so busy this is usually my method, and outside of a couple time when I've forgotten this or that it has prevented me from over drafting. No point in changing banks because all pretty much have the same overdraft fees.

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Scott1963
Remington, US
Feb 19, 2010 2:17 pm EST

I had some small debits clear my account, with an ending balance of $169.00 The next day, a debit that I was aware of cleared, but caused NSF fees of $315! How you ask? Simple, they took the smaller debits that had already cleared, I saw them, and took the $93.00. Then started applying the smaller debits (again) which threw the account in arrears. My payroll went in at midnite, and we made a deposit at a location before 2pm. The next day folks, I signed on and had another $105 in fees. Then they applied my payroll. It is 2 days later and the smaller deposit is yet to be seen! What they told me is that we take the larger debits first because those are usually more improtant. That is all well and good. And as I have tried to explain to at least 5 rejects so far, is that is not what I am complaing about. My complaint is that they manipulated my funds to their advantage, to generate revenue for the bank. To me, and I told everyone I spoke to this, that is outright THEFT and FRAUD! How dare they manipulate my hard earned money and throw my life into a tailspin. I was actually told by one clown that instead of blaming the bank, mayeb I should mange my finances better. If we had been in person, they would have been calling the police, because he would have been laid out for a nap! I am contacting the Federal Reserve, FDIC, BBB, (which acording to them have been affiliated since 1961, but have no BBB rating?), how does that happen? I am also contacting the local news, State Attorney, and my Congressman! This is not going to happen, especially when they have access to billions in bail out $. Who the hell is bailing me out? If someone has started on wants to start an action reply to this post. I will advise what happens with the above named agencies.

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upathetic
Converse, US
Oct 21, 2009 9:56 pm EDT

Some people figure it out after one or two overdraft fees. Some apparently never do. And the Eileen/Pissa multiple just sits around talking to herselves.
The reason they spot others who say things that "aren't useful" is that they see so much of it in the mirror.

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Wells Fargo escrow refund late

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

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

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

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

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

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

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Wells Fargo mortgage loan application

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

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

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Amaysng
Jupiter, US
Nov 08, 2010 12:45 am EST

I did the same. I applied to Well's Fargo for a loan 6 months ago. I was approved all was going well. I paid for Appraisals Inspection and even made repairs this month because( it is a short sale) and answered all of their 24 conditions over 45 days ago. I have extended closing 3 times. I submitted all of their request and proof of income two years back and 3 years forward. Then they sent 7 more conditions two weeks ago. Met them again. Now closing is set for the last time next week.
We call them and they say they never got the condition from a week ago, but since they did get one of them they need a letter from the CC Company. How can they not get it but still request something irrelevant off of the documents they say they didn't receive. As of this week the seller will no longer wait so I will lose $3000. I have been in limbo for 7 months and told that this will go through be patient, don't apply elsewhere. We are locked on the rate and everything. There has got to be some accountability here. This is false advertizing that is causing monitary damage to would be homeowners as well as undue emotion distress. I even paid of f a loan with Wells per their request and promise to close last month and I have old and always current lines with them as well as 6 bank accounts. My income, credit and ratios are perfect according to the underwriters. I have been with them for over 10 years!.

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kerri
North Tonawanda, US
Jun 10, 2009 1:24 pm EDT

My husband and i are going through a similar problem. We found the house of our dreams and called Wells Fargo for a pre approval letter, it came back with no problem! our credit scores are 780 and 760 the loan rep told us this loan will be an easy loan. We applied for this loan on april 25th 2009 today is june 10, 2009 and it is our commitment date, we still have not recieved our approval they keep asking us for more income documentation. We are self employed and only have one year of taxes for our business they knew this information when we applied and now it seems to be a problem. Our income is substantial and we are putting 30, 000.00 down. My home that i sold is scheduled to close on June 22, 2009 i have no where to live and still can not get an answer from the bank, they keep calling and requesting information we already gave them. We have also spent about three thousand dollars throughout this process and here we sit with out that money and no where to live this mortgage company is a scam and have put us out if anyone knows what i can do to recover my money or legal course of action against them i would appreciate the information!

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tom gordon
Wills Point, US
May 21, 2009 1:11 am EDT

After pre-approvable, committment letter, three trips to the underwritters and being told everything was "no problem" Wells Fargo could not get the information to the title company on time to close, so after being told everything was just fine the loan processor advised me to request an extention, which I did at the cost of an additional $225 dollars. The very next day after the extention approval, I called the loan processor and he said, oh by the way, the underwritters denied your loan, remember this is after the underwritters have looked three times, they suddenly discovered that I will lose part of my income in 2 1/2 years (they had the information from day one) and since my income would change in less than three years they would not give me the loan.They have tried to tell me this is an FHA guideline, but this is not true. So, because of these stupid a** people I have lost about $2000 and wasted six months of my life between looking, finding, and loan processing. four things I will do...sue them for all monies lost, report to the BBB, remove all of my money from their low-life ### stinking bank and cut their credit card to pieces in from of everyone at their local bank.

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Wells Fargo harrasing phone calls/violation of fdcpa

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

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

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

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Wells Fargo inproper hold on check

i just wanted people to know some of the tricks wells fargos uses to help thier customers . we have had our checking account over 12 years and our mortgage for over 4, and most of the charges charged to me were ours due to my husband being injured on the job and not able to work for over 2 years he recently was able to return to work 6 weeks ago with a local company. wells fargo cashed his payroll check the first 4 weeks then on the 5th week my husbands job told thier employees that the companys bank had made an error and if their was a problem cashing thier checks that 5th week that they would pay any charges charged by the employees banks. we did not get that option wf automaticly put a 16 day hold on the check. iwent to our branch that we made the deposit to let them know about the error and needed the check or needed wf to redeposit it the bank lady made a call and said that at any time the check would be redeposited by wednesday still no deposit was made went back to the bank and was now told once a hold is placed it can not be removed until the hold date. in our case 16 days . i asked why it was just not returned and was told because they would have charged me 7.00 i stated oh well the employers bank was paying all charges related t o thier error and should have been our choice to either have wf redeposit for payment or for us to collect the funds from the check ourselfs. i guess thier hope was for major nsf charges for normal monthly bills paid thru our account. they had allready made 36.00 in late fees on our mortgage payment for every month our mort was late in the two years he was out of work pretty much the whole two years by the way no help with the mortgage either. it was insulting to us since the first thing we did when he went back to work was take out a high interest loan to catch up our mortgage pymts with well fargo. we ate beans and soup for 2 weeks i bet the employees of wf eat well from all the profits they get from their customers that stay loyal pay all thier late fees and nsf fees when they are down and out. i was basicly told when i went back on weds thats how they roll and believe it or not he said it with a smile...

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Wells Fargo repossesion

My Wife Passed away on March of 09 we were buying a car which the loan matured on the same month that she died. We had delayed 4 payments during the 6 year loan, also the car was in her name. I call 2 days after her death made payment arrangements was even given a bereavement discount of $500 making it 4 payments commencing on April and ending in july of 09. First payment was made on april 4 which I was still getting letters and phone calls from their collection dept but I was assured by the customer service rep that every thing would be fine.
On May 13 they repo the car before I can make the 2nd payment of 4, now we've bought the car in 2003 cost 17, 000 with the loan interest 27, 000 over a 6 year period and they repo with less than 1, 000 left from a 2-widower that's just just about as low as you can get! Now I'm seating here typing this complaint waiting for the office to open to see if i can get my car back I would never use Wells Fargo for anything as a matter of fact this is just another example of the greed and heartless nature of "doing business as usual" in this country I am so sick of this that's what's going to bring this country down! I havce a chance to leave the U.S. and I think I will I was trying to explain to a friend in Canada the situation and they just couldn't understand That because it doesn't make sense!
As soon as I can I'm out of here as long as we have greedy corporations
a regular person can not make it
So Long Folks!
The Bible says don't mistreat widows and orphans if you do and they cry out to me I'LL TAKE IT MOST SERIOUSLY I'll show my anger and come raging among you with the sword and your wives will end up widows and your children orphans
-exodus 22 v 22-26

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Compl Well Fargo
Chicago, US
Jun 19, 2009 8:05 pm EDT

I am one week behind on my loan. I just refinance with Well Fargo 55 days ago. For two years I made my payments on time. I asked for a certain date of the month 30th for payment date. They said the close their books on the 23rd. That's the best they can do. Well, two can play that game. I don't drive the SUV anyway, fortunate to out right own another car. So I hide the SUV in my friend's garage across town. They will never find it. Then I took a second job for a couple of weeks to correspond payments to their date. I never do business with them again.

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Wells Fargo uncompromising compassion

Been a customer with Wells Fargo for more than 20 years. I am done with their cheesy business ethics. Take bail out money, cancel credit cards which dont have high balances and on-time payments, and screw me with a mortgage rate I can no longer afford. What happened to the customer focused business? Believe me, all these banks that are screwing people today will need our business in the future and I will let them sink to the bottom bits of the deepest trench of the ocean!

Consumers are doing all we can to survive and the banks are taking advantage of the situation to milk as much as they can unethically (although legal). I am done with banks and so should you. Take your money out, store it in a safe and pay cash for everything. If you keep your funds in a bank, they will get their share somehow.

I am blessed, I have a job that pays $120k+ per year with full benes and I can pay my bills with no problem. But I am fed up with the current banking practices. I would suggest not just to complain here, but start writing your news agencies and congressmen. One voice joined together can move the needle.

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192837465
Denver, US
Apr 12, 2010 4:14 pm EDT

My parent is a cosigner on my checking account (mind you I am a 25 year old College Grad with a Professional Job, not a high school student) and my parent was also a previous Wells Fargo Customer until they becamse so frustrated that they closed their account and moved to another bank. While Wells Fargo said they had closed the account, twice actually, they kept making payments on things that my parents had made arrangements to pay through their new banks. Because my parents beleived their account was closed, they were no longer putting money into it and kept 'overdrawing' (on a bank account that was no longer supposed to exist). Instead of calling, e-mailing, stopping payments as they were instructed to do, not only once, but twice, they just deducted nearly 1500 dollars out of my account without any type of notice at all because my mom appeared as a co-signer. The interesting part is that only about 400 dollars of this were actually payments, which my parents said they would pay for since they would pay for it anyway, and the rest were just bank charges. WELLS FARGO wouldn't even reverse the extra charges, said what they were doing was legal, and actually went on to do it again. I will be closing my account. Just because they have a 'legal' right to do something doesn't mean that it is justified or ethical. They were many other means to handle this situation that would not have been detrimental to any party involved. Ignorant people on a power trip or knowledgeable, caring staff?... I bet I can guess.

How do you pass legislation to protect the public?

If any of you are in the media, post something and I'd be glad to be involved...

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Wells Fargo keep calling, but don't have a loan with them.

About 3 weeks ago, Wells Fargo Auto Finance started to call my phone (not my primary phone) leaving me messages that seemed very important. I was very alarmed as I don't have any loans with Wells Fargo (I am debt free), so I was super afraid that someone was trying to use my credit. I called the phone number: [protected] . The first thing the woman asked for when I called was my Social Security #. I told her absolutely not was I going to give her my SS#. I told her that I don't have any clue why they are calling. She transfered me to another woman. Had to tell this woman my situation again. They kept trying to get information out of me. Finally they transfered me to the woman (I think it was her) that first called me. She said that someone used me as a reference. The name she gave was not even someone I knew. I asked her what address I lived on. At that point she said I should tell her what address I live on. I told her I was done speaking with her & was calling my credit monitoring service to make sure nothing was on my credit. I also told her to stop calling. Checked my credit & everything was perfect. 4 days later (last Sunday) the calls started again. They left a message on Sunday & Tuesday. Wednesday I called Wells Fargo Bank to find out if this was even associated with them. The woman said yes. I told her what was going on & told her that it was a bad reflection on Wells Fargo how this company conducts business. She took my information & said I would be put on a Privacy list. Well the calls continue. On Friday alone, I counted 8 calls. All hang ups.

I have put my #'s on the Do Not Call list, but have found out that these companies to not have to comply cause the are trying to collect debt. Next I changed my recorder to have the sounds that sound like my # has been disconnected. Also just installed the Telezapper to my phone. Don't know if any of those will work. My next thing I am ordering is a whistle so when I can get them to call again, I will blow the whistle to the person at the other end of the phone. Hopefully after I am able to do that, these fools will stop calling.

This all started when I took the Unlisted block off this #. It is not my primary # anymore. I only have it cause I need a dedicated # for my buildings security door system. I have been having super weird credit debt collector calls for the last 5 months. As stated before, I am debt free so I know that it is all a scam.

I really learned a lesson from this. Before calling anyone back, take a deep breath & reverse look up the #.

If anyone has any suggestions to stop all of this, I would appreciate it.

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Msceewhy
, US
Jan 31, 2010 11:53 am EST

I am having the same problem with Wells Fargo Auto. The only reason I have a landline because it came with the Cable Bundle. I have not had a telephone in my home for almost 3 years. I have tried on numerous occasions to stop the calls, even calling the number back [protected] to let them know I don't know the person that they are referring to and to take my number off their list. They said that they would and just yesterday I received another call. I think this is harrassment. One more call and I will start a campaign of harrasment against them. Help, before I get my whistle.

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Wells Fargo omited information and lied about repayment plan

In December 2008 my husband had a heart attack. In January when things calmed down and we were ONLY thirty dates late, we called Wells Fargo to let them know that it was a temporarty problem. At that time, they offered us a repayment plan. About one hundred dollars would be added to the existing mortgage payment until the arrears was paid off. Two weeks later, our mortgage payment was dropped by almost one hundred dollars from tax exemptions but the repayment amount stayed the same. Then we were paying two hundred dollars on the repayment amount. Another two or three weeks past when I noticed that the intitial amount I gave them to start the repayment process, as well as the additional amount above the standard mortgage amount was not being applied to anything. When I called them back, they told me then that do not accept less than a full months payment and that anything above that goes into suspension until there is enough to pay an entire months mortgage. We would have liked to know that in January, not March. Because we were not making a regular mortgage payment, we had to call them every month and make the payment by phone, which cost five dollars more than paying on line. In April I realized that the "Repayment Plan" that they had put us on was running us almost 57 days late every month. I called again and made the partial payment to catch up on March's payment and they still wanted the initial repayment amount (now only 20 days late on current due) and was told that I could not cancel the plan, only they would cancel it if the full repayment amount was not recieved by the earlier agreed upon date. So running two or three weeks late, plus the late fee, is not a hundred dollars less than the repayment amount and the catch up will be corrected June 2009, not January 2010. Plus I will not be over 30 days late for over a year. These people lie and omit information to make it look like they are trying to help. Don't believe a word they say.

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lumpy8002
Fremont, US
Aug 24, 2009 3:50 pm EDT

I had a similar issue. I had gone through 2 layoffs and a total of 14 months of unemployment without missing a payment. Then in November of 2007 I had to make a decision, either pay the mortgage or monthly bills, there was not enough cash for both and if I were to pay the mortgage I would have to over night the ayment to get it there on time. I called wells fargo and told the seemingly "nice" customer service peson my dilema who proceeded to tell me about a repayment plan where my payment would be divided up over 10 months at at the end I would be current. Sounded good to me so I hung up and proceeded to take all the cash I had and pay my monthly household bills. A week and a half later I get paperwork from wells fargo reconfirming my conversation which looked ok, so I signed it and mailed it back. Fast forward 5 months, I go to trade in my wifes car and am told my credit is so bad I couldn't finance an apple. I checked and sure enough, wells fargo was showing me dilinquent each and every month. I checked the paperwork and it said I would be reported "late" which I took to mean the payment did not arrive on the 1st of the month.

My credit has been destroyed. At this very moment I am scrambling to keep my son in college because I cannot qualify to cosign a student loan. I have contacted State Representatives, Senators, the Attorney General and my complaint even found it's way to the Comptroller of the Currency who agreed like others I have a legitimate complaint but not their jurisdiction. I finally got somebody from the executive complaint department at wells fargo on the phone last week and after I made it clear I want nothing from wells fargo but my credit restored I was told it was my responsibility to ask the question as to whether it would hurt my credit or not. Wells Fargo has gone back and listened to the conversation and has reported everything that was said during the conversation accurately but they continue to convienently leave out the part of whether it was disclosed to me that it would destroy my credit.

I am looking for help here anyone have any ideas on how to fight this battle. I just want my credit restored.

Pete

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Well_Fargo_Cheats
Arlington, US
Aug 12, 2009 6:39 pm EDT

First of all I'm sorry that you've had to go through this! I am just relieved to know that someone else has gone through the identical situation! One payment, not even 30 days late became 90 days late a month later (um, I'm an English teacher, not a Math teacher, but isn't that 60 days?). Wells Fargo had hit my credit with 90 days over 9 times in less than a year. After adding up all of that time, we hadn't even owned the house that long! I'm not really sure how we'll recover from the huge blow to our credit, they've trashed it! Right now they're supposed to be "examining" our loan to "rework" the terms of the loan, but that been going on for 3 months now. I don't think they're actually doing anything.

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Wells Fargo common thieves

Wachovia is an evil institution that employs some of the most ignorant [censored]s I've come across in years. I had a checking account with Wachovia for the specific purpose of keeping my money separate from the money of an organization that I was affiliated with. I never overdrafted my account, not once. After I parted ways with the organization, I left a balance of $1.15 in the account.

Nine months later I get a statement in the mail that tells me that I am overdrawn by $3.49. It says that I was charged a $5 "dormant account fee". The same day I receive the statement I receive a phone message from Wachovia. I return the call to Wachovia at the number provided and speak to a cordial woman who tells me that she can refund the charges and close my account if I wished. I informed her that I did want to close my account, and she said that she would do that. I heard her clicking away making notes to my account. She also informed me that because of the timing, I would probably receive another statement with another $5 charge shortly before I received a refund check for my original $1.51 balance and a statement showing that all of the fees had been removed and the account had been closed.

Indeed, about a week later, I received a statement showing another $5 dormant account fee and a balance of -$8.49. About 15 days later I get another envelope from Wachovia, but it is neither a check nor a statement reversing the charges. It was a collections notice for a negative balance of -$48.49. It seems that Wachovia charged me an overdraft fee on top of the dormant account fees. Seriously, WHEN did this jacka** bank decide that it was a good business practice to steal customers' money instead of simply issue a check in order to close a dormant account?

So...I call Wachovia to find out what the problem was - why my account was not closed and refunded as promised. After being switched FIVE TIMES to the wrong department I finally got to a competent human (lamentably without much power) who was able to actually investigate the problem. She agreed that there was indeed a problem, but it was one that she could not fix. I asked to speak to her supervisor, who I refer to the dumbest b***h I've ever had the displeasure to speak to. She told me that I should have taken care of the problem when I first discovered it, and I should just take responsibility for it and cough up the money. "You should have visited a financial center...you should have called customer service..." Hello, B***h?! I just finished telling you that I DID call and I DID take care of it, YOUR bank screwed up, NOT ME! Ugh! I asked to speak to her supervisor. She assured me that there was no one else in the bank who could help me, that she was the final authority in account services. PLEASE! I GOT TO YOU IN ONE TRANSER! YOU'RE BARELY A SUPERVISOR! She told me that there was no record of my having spoken to anyone about my account. After hanging up with her I spoke to someone else at Wachovia who said that they COULD see the call.

Anywho, I filed a dispute at the collection agency (which the bank refers to as their "recovery department") and was told that I would receive a resolution within 30 days in the mail. It's been about 2 months and I've received no resolution, but I have received a collections notice from a brand-spanking new collections agency!

These a$$holes are going down. I've not yet figured out how, but trust me, they WILL refund my money and stop this collections [censored]. This is not the first company that's tried to screw me.

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Update by DCNative267
May 08, 2009 9:15 am EDT

Guy -

Actually, there was no mention of a dormant account fee in my original paperwork. According to Wonder-Bank, it was one of those "...may be altered at any time with or without notice..." deals. The fact that it is legal does not make it ethical, nor does it make it a sound business practice. This is one bank that should just be allowed, if not encouraged, to fail.

I will not pay them a single cent. For the amount in question, it can not get any worse. It has already hit my credit report. I will fight them for the next 7 years if I have to, until they can no longer taint my credit report with their nonsense. I've done it before, and it worked out just fine.

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guy10782
, US
May 11, 2009 3:37 pm EDT

im just going by what ive seen, they do sound like a ### bank

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guy10782
, US
May 05, 2009 2:40 pm EDT

Im sure the dormate fee was stated in the documentation you signed when you opened the account. The bank did nothing wrong and it is perfectly legal, I agree they probably could have handled it better. Id pay the amount you owe before it gets any worst.

Wells Fargo Customer Reviews Overview

Wells Fargo is a financial institution that has been in operation for over 150 years. It is one of the largest banks in the United States and offers a wide range of financial products and services to its customers. The bank has received mixed reviews from its customers, with some praising its customer service and others criticizing its business practices.

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However, Wells Fargo has also faced criticism for its business practices, particularly in relation to its sales practices and the opening of unauthorized accounts. The bank has been fined by regulatory authorities for these practices and has faced public backlash as a result.

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Wells Fargo In-depth Review

Overview: Wells Fargo is a well-established and reputable bank with a rich history in the banking industry. As one of the largest banks in the United States, it has built a strong reputation for its financial services.

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Fees and Charges: It is important to consider the fees and charges associated with banking services, and Wells Fargo is transparent about its fee structure. While there may be account maintenance fees and ATM fees, Wells Fargo provides detailed information about these charges, allowing customers to make informed decisions. It is advisable to review the fee schedule to understand the costs associated with specific services.

Interest Rates: Wells Fargo offers competitive interest rates for various types of accounts and loans. By comparing their rates to industry standards and competitors, customers can assess the value they receive. It is recommended to explore the specific interest rates for different products to make informed financial decisions.

Customer Satisfaction: Customer satisfaction is an important aspect to consider when choosing a bank. Wells Fargo's customer satisfaction can be evaluated through reviews, ratings, and feedback from its customers. While there may be positive experiences, it is essential to consider any negative feedback to gain a comprehensive understanding of the bank's performance.

Security Measures: Wells Fargo prioritizes the security of customer information and implements robust security measures. These measures include encryption, two-factor authentication, and fraud detection systems. By employing these security measures, Wells Fargo aims to protect customer data and prevent fraud.

Financial Stability: Wells Fargo's financial stability is a crucial factor to consider when entrusting a bank with your finances. With a strong credit rating, profitability, and a proven ability to navigate economic downturns, Wells Fargo demonstrates its financial strength and reliability.

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Additional Features: In addition to their core banking services, Wells Fargo offers various additional features and benefits. These may include rewards programs, financial planning tools, or educational resources. These additional features enhance the overall banking experience and provide customers with added value.

Comparison to Competitors: When considering Wells Fargo, it is important to compare its services, fees, interest rates, and customer satisfaction to its major competitors in the banking industry. This comparison will provide insights into Wells Fargo's competitive advantages or disadvantages, helping customers make an informed decision.

Conclusion: Overall, Wells Fargo is a reputable bank with a wide range of services, accessible channels, and a commitment to customer security. While it is important to consider fees, interest rates, and customer satisfaction, Wells Fargo's financial stability and community involvement are notable strengths. Potential customers are recommended to thoroughly evaluate their specific banking needs and compare Wells Fargo to other competitors to make an informed decision.

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3. Writing the title: In the 'Complaint Title' field, concisely summarize the main issue you have encountered with Wells Fargo. Make it specific and clear, such as "Unauthorized Wells Fargo Account Charges" or "Wells Fargo Mortgage Application Delay".

4. Detailing the experience: In the complaint details section, provide a thorough description of your experience. Include key areas such as:

  • The type of service or product you were using from Wells Fargo.
  • Specific issues with account access, transaction problems, customer service interactions, or any other grievances.
  • Chronological order of events, including dates and times, if possible.
  • Any communication with Wells Fargo representatives, including phone calls, emails, or in-person visits.
  • How the issue has personally affected you, such as financial loss or stress.
  • Steps you have taken to resolve the issue and Wells Fargo's response or lack thereof.

5. Attaching supporting documents: Attach any relevant documents that support your complaint, such as correspondence, receipts, or statements. Be cautious not to include sensitive personal information like social security numbers or full account numbers.

6. Filling optional fields: Use the 'Claimed Loss' field to indicate any financial losses you have incurred due to the issue. In the 'Desired Outcome' field, clearly state what resolution you are seeking from Wells Fargo, whether it's a refund, apology, or another form of rectification.

7. Review before submission: Carefully review your complaint for clarity, accuracy, and completeness. Ensure that all the information provided is true to the best of your knowledge and that your desired outcome is reasonable and clearly stated.

8. Submission process: After reviewing your complaint, click the 'Submit' button to file your complaint against Wells Fargo on ComplaintsBoard.com.

9. Post-Submission Actions: Keep an eye on your ComplaintsBoard.com account for any responses or updates regarding your complaint. Be prepared to engage in further communication if necessary to resolve your issue with Wells Fargo.

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