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Woodforest National Bank Customer Service Phone, Email, Contacts

Woodforest National Bank
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woodforest.com

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4.5 1 Review 258 Complaints
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Woodforest National Bank Complaints 258

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3:54 pm EDT
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Woodforest National Bank stealing money / overdraft

Several months ago I opened an account with Woodforest Bank in Walmart to cash stimulus check. Now, three months later, they have taken over $700.00 out of my account for unknown fees. I am disabled and older, and the last 2 months I have received none of my direct deposit checks due to these fines. I have written checks to pay my bills and now they are not being honored by the bank, so I am facing homelessness. This bank is a fraud, they won't allow you close your account, and shame on Walmart allowing a business to rent on their property business. These people are theives...

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volunteer911
US
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Feb 03, 2011 12:29 am EST

It's called a contract and reading the fine print. If you don't read it then don't complain because it's nobodies fault but your own! It's common sense that you cannot close a account with a negative balance. (Guarantee that's the policy at any bank as well as closing a account out)

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JAMAR BOULWARE
Lexington, US
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Aug 02, 2010 5:23 pm EDT

I AM VERY SHOCKED TO HEAR THIS, BECAUSE I THOUGHT I WAS THE ONLY ONE THAT WOODFOREST WAS TAKING ADVANTIGE OF. ME AND MY WIFE STAYED AT THE RAMADA HOTAL AND THEY MADE A MISTAKE AND CHARGED ME TO MUCH THE HOTAL FIXED THE PROBLEM AND DEBITED MY MONEY BACK BUT THE BANK CHARGED ME AND EXCESSIVLY AND WOULDNT FIX THE PROBLEM THEY PUT MY ACCOUNT IN THE NEGITVES -478.00 SO MY SIX HUNDRED DOLLAR WORK CHECK THAT I HAD TO PAY BILLS WITH AND FEED MY TWO DAUGHTERS AN WIFE THEY TOOK IT ALL AND LEFT ME WITH TWO HUNDRED AND TWO DOLLARS SO I TOOK THAT OUT I TOLD THEM THAT MY CARD WAS LOST AND I WANTED THE ACCOUNT CLOSED OUT AND THEY SAID THEY COULDNT BECAUSE I WAS NEGITIVE 11 DOLLARS BECAUSE THEY WERE MAILING ME ANOTHER CARD OUT I TOLD THEM I DIDNT WANT IT AN I WANTED MY ACCOUNT CLOSED THEY WOULDNT DO IT BECAUSE I WAS NEGITVE 11 FOR THE NEW CARD I DIDNT WANT THEN THEY SAID I HAD TO PAY A EXTRA 25 TO CLOSE IT BECAUSE I HAVENT HAD THE ACCOUNT OVER A YEAR. THET ARE USING US AND GETTING PEOPLE FOR THERE MONEY THERES SOMETHING WE CAN DO ABOUT THIS WE SHOULD ALL FIND OUT WHAT GROUDS WE HAVE ABOUT THISE AND TAKE CARE OF BUISSINESS-

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bankmama13
Conroe, US
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Apr 30, 2010 1:19 pm EDT
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And to VIPshopper, what type of acct did you open? was it a second chance, free checking or choice checking? What you are saying does not add up for any of them considering the largest monthly fee on accts is 9.95 and it had only been open for 3 months. Were you not checking your monthly statements? Have you spoken with the branch manager?

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bankmama13
Conroe, US
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Apr 30, 2010 1:16 pm EDT
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You probably can not close the acct because it is currently negative. When you bring it back to a zero balance it can be closed. I'm not sure what unknown fees might be getting charged but I'm going to guess that you don't keep a check register. Are the fees $34 each? If so then you are spending beyond the amount of money in your acct causing overdrafts fees, $34 each time and item processes on a negative balance. Keeping a check register and not atempting to float money with checks would keep a lot of people from getting fees. Common sense.

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VIPshopper
Perrysburg, US
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Mar 18, 2010 4:07 pm EDT

Wow! WoodForest Bank was next on my complaint list. I opened an account there as a vacation account about 3 months ago. I only deposited $100. I never used the ATM card they sent, never had any transactions at all. I got my statement yesterday. I have a total of $27 in the account now. They even charged me for not using the account. I called their customer service number to try cancel the account. After giving them my entire LIFE HISTORY over the phone, they told me I have to come to the bank to cancel the account! What an "F'"ing joke! Thank God for my real bank accounts. DON'T PUT YOUR MONEY INTO WOODFOREST BANK...if you want to keep it!

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1:07 pm EST
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Woodforest National Bank beware

My account became overdrawn because of payday loans trying to continue withdrawing money... woodforest turned it over to some collection service that calls me 10 times a day. i keep telling them to stop calling so much then get really rude remarks... not happy at all when i work 3rd shift and get woken up by annoying phone calls. when i opened the bank account i told them i wanted overdraft protection but they didnt listen. now i owe them over 1000 dollars. told them bout theirselves abd again recieved rude comments and poopy service. dont think banks can b trusted . collection agencies should b closed down or we should b able to sue for harrasment...

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reality919
Hampton, US
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Jun 09, 2010 9:08 pm EDT

GET A LIFE ! First of all you owe the payday loan place, now you owe the bank. I can only think you probably owe alot of other folks! Stop blaming others, and take care of your business. Keep a register, and STOP spending $$ you DON"T have !

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BBaldwin
US
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Feb 17, 2010 11:38 am EST

You are blaming a bank for YOUR inability to manage money, and make proper decisions on spending habbits? You have GOT to be kidding me..

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BBaldwin
US
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Feb 17, 2010 11:37 am EST

You are blaming a bank, for your inability to manage money? You have GOT to be kidding me. .

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Woodforest National Bank refused service - treated like criminal

I have been an account-holder with WoodForest Bank for almost 6 years. Over the last 5 years, my company has direct deposited from their payroll account into my account every 2 weeks like clockwork. However, when I went in to deposit 2 checks, both from my company and both from the same payroll account, I was asked a battery of questions about the source of the checks, the validity of the checks, etc. I answered each one, even though there was no reason for questioning. Additionally, the manager on duty was called over to ‘verify’ the checks before the deposit could be made.

I’ve never presented a check for deposit that was bad, and I’ve never asked the bank to assume responsibility for my checks by making funds available to me immediately. If they feel there is a question with the checks, they are well within their rights to hold the deposit until they get paid funds from the guarantor of that check.

I was allowed to make the deposit, but not without being questioned publicly about the validity of the checks. I was insulted to say the least. If I had dropped the checks in an envelope and deposited them through the ATM, would it ask me such questions?

Today marked the pinnacle of bad customer service. I presented a cashier’s check made out to my son, and the teller would not let me make the deposit. There is MORE than enough money in my account to cover the check in the event that it came back NSF, but that was deemed irrelevant. The only way I would be allowed to deposit the check is to have my son present, with his ID, “SO THE HE CAN VERIFY THAT HE ENDORSED THE CHECK OVER TO YOU.” Those were the exact words used by the teller!

I’ve had some bad customer service, but to be called a thief tops the list.

First of all, I’ve presented personal, hand-written checks for my son on numerous occasions and was allowed to cash them on the spot. This was a CASHIER’S CHECK for less than 10% of the amount that I currently have on deposit with the bank. I did not ask for the check to be cashed but to be deposited. Again, if they feel that there may be a problem with the check, they are well within their rights to hold the check until payment has been received. However, rather than deposit the check and hold the funds until it cleared, Woodforest chose to call me a thief and refuse me service until I bring my son to verify that I’m not a common criminal.

Come along son... Tell the nice lady that I'm not a thief.

REALLY?!

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Woodforest National Bank reported to telecheck

I am a former customer of Woodforest Bank and was pleased to be one due to my overdrawn account at the time with Wachovia. They did in fact give me a second chance and stated to me that they did not use telecheck to open any accounts or report to them. Back in 2007 I lost my job and my account had become overdrawan and was told that they would close my account but would give an opportunity to bring my balance to a zero balance and would work with me to make small monthly installments. The manager was supposed to send me a plan to help me bring this down but never did. I later found that Wachovia was willing to put me back on the right track and remove me from telecheck, since then I reestablished another account with another bank and started utilizing my checking account privileges and was not denied to write checks at different retail stores until recently. When I called telecheck to find out why, they told me that I was in there for Woodforest Bank . I was very upset because I know that the debt was not forgotten but I received no notification from them to make things right and was not given an opportunity to start making goood on an old debt. SECOND CHANCE?! I think not.

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Woodforest National Bank hmmm

Was once employed with Woodforest, loved the people I work with, however the practices of the bank I didn't love. I understand who they target, second chance customers, however if you're not a second chance customer and you have a Woodforest check, there's hardly any business that takes their checks, they specifically say NO WOODFOREST CHECKS! Bad marketing ploy and also looks horrible on the bank. If you think about it, you're sharing the same bank with people with bad banking probs, I understand times are hard, but day after day i heard I didn't do this, or i didn't do that, come on now! I'm an absolutely free holder and plan on changing banks, sorry but I don't wanna look like i'm a hot check writer, cause I'm not. Woodforest will one day realize that they're never gonna get their money from the charged off accounts, they need to wake up and smell the coffee. These second chance customers don't care they'll just drain the account dry until it charges off! Some though, were amazing at handling their account, but most weren't at all. I didn't leave on bad terms, I just think that woodforest needs to change their banking practices or they're gonna lose their account holders.

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Teresa32
Roanoke Rapids, US
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Jul 03, 2012 4:47 am EDT

When I opened my account, I honestly was not aware of the second chance banking. I did it for convenience and because I left BB&T after I was being over charged. I think every bank has its issues as humans are the ones running the service. My other bank overdraw my account by holding my military pay for up to 10 days then charge me with outrageous fees. Woodforest isn't perfect (someone changed my address to a place I had never even heard of) but they have always been kind and even reversed fees when it was there error. I don't wait for my direct deposit (in fact, I usually get my pay a day early) and I have overdraft protection just in case. In my life, I bounced a series of checks and it was because my bank didnt post my paycheck for 10 day, and it wasn't Woodforest. I think they are a decent bank that has great potential. I hope no one judges me based on my bank, they should decide based on my actions and record! Btw: I have never seen a NO WOODFOREST CHECKS anywhere as they are a fully licensed bank, I imagine that would be illegal or at the very least violate FICA agreements, at least I think :)

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cammilane
US
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Jun 18, 2010 3:25 pm EDT
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I bank at Woodforest and have a second-chance checking account. I have mismanaged accounts in the past and Woodforest is the only way to have an account while we are paying off old bills and getting our credit back on track. It's annoying to read so many complaints from people who are angry about NSF fees at Woodforest- as if other banks don't do the same thing when a customer bounces a check.
Banking at Woodforest can be a little humiliating because you know everybody knows you probably bank there because you need the "second chance". I do understand that some people bank there because they offer very convenient hours, but most of their customers are there because no other bank will have them.
But if you've messed up in the past, you should be thankful to have an account at all, and if you screw that one up, there's nobody to blame but yourself!

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A Bank Manager at Woodforest National Bank, 900 Wal-Mart Way, Midlothian, VA 23113 was fired a few weeks ago for cashing checks and keeping it for herself. Isn't that fraud and embezzlement? Isn't that a criminal offense? A crime has been committed and yet this bank manager was ONLY fired! No charges have been filed against her. She is no longer a bank...

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Woodforest National Bank credit card processing nightmare

I am the owner of a computer repair shop in Veneta, Oregon. A little over a month ago, a representative of this company came into my office and promised me a positive experience with this company in helping me to process credit cards in my shop. Since that time, I have had nothing but headaches, and unanswered questions. I was told that I would only be charged around $50 per month, and I would be told ahead of time, what date I would be charged, so that I knew to have the funds available. That failed to happen. I was hit with charges right away into my account, resulting in several overdraft and insufficient funds fees. I made only one transaction into the account, using the machine, which funds I never got to use, because it was never available because of all the charges made by the processor, and all the subsequent over draft fee’s that were generated as a result of
these charges. Then the account continued to be hit by further charges that were unexplained to me. The representative refunded me $100 in cash out of his pocket to offset this issue, but that did not even come close to reversing the large negative balance, nor put it into the positive close to $200 where it should have been. I have called and left messages with this guy, and most of the other companies involved with this company that I no longer wish to try to work with any of these institutions in order to process credit cards. As of
yet, no one has returned any of my calls. I want this policy canceled and I feel that they have breached the contract, not me. On top of everything else, our account was just hit again today for the ridiculous amount of $667.15, putting us into the negative -$404, before further overdraft charges and insufficient funds fees! This
is after receiving a letter that they are going to charge me $769.25 with absolutely no explanation as to why I am being charged! So far i have gotten bills from 4 different companies associated with this stupid credit card machine! What the f*&%#! Lease Finance Group LLC, First American Payment Systems, Woodforest National Bank, & Merchants Choice Payment Solutions! I keep seeing things in the paperwork that also says Transtech, plus the rep had his own company name that i cant even remember now. We have gone to our Bank, and challenged all of the charges and instructed them not to allow any more charges to go through. Please tell me how to return the equipment and end this nightmare. If someone does not make this right, I am going to contact the Better Business Bureau, and any other authoritative agencies that I can find, as well as take legal action.

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Davidnlaura
US
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Jul 27, 2018 12:05 pm EDT

Never have we felt so violated and cheated by a merchant service. their phone recording says they are dedicated to our success and to providing exceptional customer service. very dissatisfied with the way they treat small family run business. stealing food from the tables of struggling businesses!

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Lenore Zur Welle
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Dec 15, 2017 2:40 pm EST

Merchant, don't give up! It took me about 6 months and I got every penny they stole from me back! Over $3200.00! Worth the fight and it can be done! Want to give anyone out there with the same issue a word of encouragement!

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opatka
US
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May 25, 2017 1:58 pm EDT

I am a small business owner who was solicited by a representative from Woodforest National Bank
credit card processing. I was lied to and in a five year contract with a lease for a credit card machine. All of the hidden fees and the lease of the machine cost me a lot of money . I called several times to tell this company about there representative who out right lied to me they seem to have no problem with this.That tells you right there what kind of bank they are lying thieves to put it gently. PLEASE BEWARE OF THIS BANK

Woodforest National Bank
Woodforest National Bank
The Woodlands, US
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May 25, 2017 3:52 pm EDT
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Replying to comment of opatka

We’d really like the opportunity to correct the situation. If you’ll send us an email to SocialMedia@woodforest.com with your contact information, we’ll get in touch with you shortly.

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joycebraithwaite68@yahoo.com
US
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Nov 05, 2017 8:09 am EST
Replying to comment of opatka

Need a credit card

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Ravenray
Houston, US
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Jul 01, 2011 4:49 pm EDT

I work for woodforest and I see all day long how they open accounts with fake or invalid SS#, addresses, and names. They know when they verify apps that this info provided by some new customers is invalid but open the accounts anyway. Its all about the money. They also order personal and buisness checks for customers that are extreamly in the negative or whose accounts are about to be closed. If I had a buisness and someone was using a woodforest debit card or check to purchase a product or service from me I would be very nervous.

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the schnif
US
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Feb 07, 2011 8:20 pm EST

I just switched from a long time merchant provider to another I had used in the past so I was fresh on terminology. I got a random call from Wood Forest wanting to quote me. I put him off for a month and am glad I did because I'll be forwarding this page to him if he doesn't understand why I don't want his services. THIS is what the internet is for IMHO.

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Otter22
US
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Oct 28, 2010 2:11 am EDT

Close your connecting bank account. Send them a registered letter so you know they received it as I've read other complaints about people calling and being told the letter was never received.. File a complaint with the BBB. I have had an account with them for 7 years which I opened with MSI NOT Woodforest. I was told by MSI I had to hold the account for 1 year and then could cancel anytime without penalty. My business is now closed. When I called last week to cancel my merchant account as it had been basically inactive for about 6 months other than paying the fees. I was told that my account automatically renewed for a 3 year term last April and if I wanted to cancel I would be charged $495 and if I didn't pay it I would be turned over to collections. I tried to work my way up the chain of command. I was LIVID. I have yet to receive a return phone call. Apparently in my statements which I got in June I received a piece of paper with the new terms and conditions in it. I hadn't been opening statements as the account wasn't being used. I found the paper and buried in what is about 6 point font in the middle of the document is a statement that talks about auto renewal. So unethical and a scam as far as I am concerned. I have 7 years worth of statements and paid every payment to them without fail. This is a case of bait and switch. This bank should be shut down. The customer service is non existent.

When I called to cancel every other aspect of my merchant account (Amex, Discover, the gateway) all of them were easy to work with and canceled my account with no questions other then why was I closing my account.

This "business" is a scam. Be VERY careful of who you choose to open Merchant Accounts with. Work with your local banks even though it may cost you a little more. I will also be trying to figure out how to contact Visa and MasterCard directly to cancel my accounts and file a complaint with them about Woodforest.

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pwrslm23
US
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Sep 27, 2017 1:19 pm EDT
Replying to comment of Otter22

They did the exact same thing to me. They waited 3 years after the account was closed, and turned the account over to SKY COLLECTION agency and re-dated the cancellation fee.

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Leah9786
US
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Oct 05, 2010 2:48 pm EDT

I work for a computer store in Arkansas and we've been experiencing a lot of problems with Woodforest too. Our monthly statements make no sense... What they say they are taking out for fees on their statement and what is actually taken out of the bank is completely different. The last statement we got said the total fees were $98 but what they actually took out was over $270! We have tried to contact them several times to get them to go over the statement with us but they keep referring us to their website. That would be fine except that you have to pay an internet fee of $9.95 a month to access it. We just recieved a notice that they're adding another fee of $11.95 a month unless we get online and fill out a questoinaire but again, we have to pay to even access it! It does appear that Woodforest is a scam and we are looking to get away from them ASAP.

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concernedcitizen2010
Mammoth Spring, US
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Jun 14, 2010 8:09 am EDT

RE: EXS Credit Card Processing posts by Yani92625: Being that you have posted the same comment on a LOT of complaints against other companies, I must agree with one of the other posters. It does appear you are simply promoting/advertising them...

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Yani92625
Corona del Mar, US
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Jun 08, 2010 5:43 pm EDT
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Oh really Willie!? See my response above...i am not a rep for EXS...i have a friend that works for this company and they helped me greatly with my credit card processing needs, otherwise i would have never posted this review. Some people are so paranoid! :-)

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SRQ Willie
Sarasota, US
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Jun 05, 2010 11:58 am EDT

Yanni ironically is a rep for this company. BEWARE !

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Woodforest National Bank over draft / stuff on hold till moneys not there

Well for the last 4 months we ever week get 2 over dfart fees and we know the moneys in there. also we have funds tooken out that we know have been tooken out alreadt once

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Made a deposit for $50.00 2 day prior for a check for $46.00 was written. Depsoit was never posted causing over draft, countinuing overdraft and nsf fee totaling $110.00. Still have not recevied the $50.00 posting to my account. I have the deposit slip. There still looking into to. Time to find a new bank. I strongly recomened to stay away from wood forest...

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Woodforest National Bank disappearing posts

I checked my account balance around a little after 2:00am this morning. It showed $700.00 and 2 refunds had posted that I was expecting to get. This morning around 6:00am I get my Woodforest email balance and it showed I was overdrafted!
I paid a bill last night and after paying the bill and making 2 other small purchases it showed $366.00 to the good.
All of my POS transactions were there and they were there as I checked this account last night before 12:00am.
Has anyone else had this to happen? This makes my second time for this stupid stuff with them.
Can anyone tell me why this happens?

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awesome245
Catawba, US
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Feb 01, 2014 12:05 pm EST
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yes i have bad times with woodforest too go to bed have a 1000 dollars in the bank 2 transtions come thru leaving me wiyh 319 dollars pull it up the next morning i was negative 2919 cents and nobody can tell me where it went

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jette
Peru, US
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Feb 10, 2010 12:58 am EST

Yes, I have 50.00 missing as of right now. I do not know where it went. I checked everything I spent. Also last month I deposited cash. It showed my transaction going through on what I drew on that transaction. 2 days later the deposit disappeared and I was overdrafted and charged 5 overdraft fees. Then the deposit reappeared and all the money was used up. Now everyday I print off my account and save them. when it happens again which I am sure I will have caught them.

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Woodforest National Bank od fees/rearrangement of transactions to cause od fees

My 19yr old and 17yr children opened an account at Woodforest. It was their choice as they felt the hours fit their schedules best. During sign up, I was there and we ALL discussed NOT having this "od protection"- i even told them my older child had a bad experience and that was not something that needed to happen. About six weeks later we noticed about 180 in OD fees on the account. My son used that stupid card to do everything so each 3-4 dollar transaction cost extra 34. At that time we called and the BRANCH MANAGER told ME and my SON that both kids had to go in to sign something to take the protection off the account. I was upset and told them we knew the person we talked to and what was said and she still said both kids needed to come in. Their schedules were not going to be same for about a month, but I just told my son to print out the transactions to ensure that he had money in the account. He was very faithful about that, and kept those prinouts of balance in folder. My daughter made an error thinking her check went direct one week and she went to ATM to get what would be just a little less than her check. Three days later the account was overdrawn by nearly 550 mostly due to fees. I called and talked to MY bank who informed me that their policy was to do transactions as they happened but that we should check with Woodforest who may do it different. And different is what they do. They spent an hour trying to convince me that ALL merchants hold transactions for up to 7 days before they run them. My husband is a retail manager and said no truth to that! They were moving and holding them in pending in order to get OD money because that "protection" was in place! My child could prove that there was money in account and there were still massive od charges. I told them to not use that stupid card and just get money and even that did not work. To this date they have been charged over 1000 in fees! Now the latest is that my daughter asked about working out a pay agreement but closing the account and was told it would have to wait a MONTH so that more fees could accrue! By the time they can "work out something (which is not a guarantee) there will be another 400 in fees min. THis is such a scam that I am filing every complaint I can.

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funnygirl
Ohio City, US
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Dec 12, 2009 8:09 pm EST

I have wondered about this for some time now. First off, I would not say that all of the Woodforest employees are "idiots". Where I live, the Woodforest in my area, the employees all seem very young to me, but young is not synonymous with stupid. As for the pending transactions, I have wondered why they seem to go through like they do. For instance, I have 2 things that are automatically debited from my account. Most of the time they both hang out in "pending", unless they are going to cause an overdraft. I realize that even being in the situation to have these items cause an overdraft are MY fault. Here is where I have a problem. I often intentionally overdraft(MY FAULT) my account, hoping that the pending items will not clear until I have made another deposit(AGAIN, MY FAULT), BUT the story behind that is, I have an ISP directly debited from my account and that transaction hangs out in "pending" for 3-4 days and usually does. If I get to the point where I need to use my debit card prior to making the weekly deposit, and it technically overdrafts the account(only in pending), then all of a sudden the ISP item hits pending and is cleared in a day. Yes I guess you can chalk this up to being majorly my fault. But I am curious as to why the same direct debit, at the same time every month, ALWAYS takes 3-4 days to clear but if it is going to cause an overdraft before I can get the weekly paycheck deposited then it goes through in a day. I do sincerely believe that they push them through at the most opportune time to make overdrafts, but like most anyone would say, if you didn't try to use money that wasn't there, that wouldn't happen. I agree. I don't, however think they are completely bad. Other than this I have never had a problem with them, and I think alot of unnecessary blame gets put on the people who are actually serving you at the branch. Alot of the problem is not them at all, but higher ups who are only telling them what to do. I even had the experience of the branch manager at my bank telling me that he was trying to get the "higher ups" to not charge an overdraft on anything under $5 or $10. They wouldn't do it because they said there would be that one person who overdrew $5.10 and then complained because "If it had only been $5.00 you would waive it. Sometimes I think we, the people, cause our own problems by wanting to complain because we think it is unfair. Everyone in the world thinks something is unfair but complaining does nothing. Other than that, I don't really have a problem with Woodforest, they have even called me when my account is going to overdraw so I would have time to correct it before the overdraft occurred(my local branch did this). I have requested printouts from my account which they have provided free to me. When I opened my account I would have had the typical "waiting period" but they suggested an alternative to me that saved me from it. They first tried to call the bank that the check was drawn on and it was only a $4000.00 check to confirm. The problem there wasn't Woodforest but the bank the check was drawn on wouldn't confirm that the account was good(I sat right there beside the girl that called, it wasn't some hide in the closet and call thing). Woodforest then told me I could take the check to the bank it was drawn on(a 1/2 hour away)and then I wouldn't have the hold as I would have the cash to deposit. I think the people working right at the branch try to help as much as they can. Besides, that, the branch manager at my local bank can overdraft my account any time, smokin' hot he is...roflmao;) WOODFOREST, LIKE ANY OTHER BUSINESS OR BANK, HAS ITS UPSIDE AND ITS DOWNSIDE, IT'S UP TO YOU IF YOU CHOOSE TO USE THEM OR NOT.

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sweetieliz
Beloit, US
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Dec 10, 2009 8:05 pm EST

Its not just your bank that does this, I think a lot of banks do this to customers and that is NOT ok. Charging ridiculous amounts of money for overdrafts to me is like loan sharking.

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Woodforest National Bank steals clients money

I am caring for my parents who are both dying. Upon starting to straighten out their finances, I opened a checing acct. With woodforest bank. After a person stole a chk from their acct. , and cashed it for594.00, I requested to close this acct. The day it came in for pmnt. Woodforest kept it open for over 2 weeks! In addition to all the charges from the companies that had received payment by check from us, woodforest charged us over 2500.00 worth of overdrafts. In addition they move payments around (Even taking off an already posted payment and moving it to a later date) so that they can charge the maximum number of od's. I am fed up! This company needs to be sued. They ar clearly breaking the fdic laws and I have proof. If anyone else is involved in a class action, please post the info so I may join! These crooks need to bein jail! It has gotten so bad that my dying disabled parents have no food. At least I know justice will be served eventually - if not in this world then in the next. I would suggest woodforest employees think about that!

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ronald g ducey
so bend, US
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Sep 09, 2010 9:43 am EDT
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idont no what to say they said they are turning me in to the credit brurow

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ronald g ducey
so bend, US
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Sep 09, 2010 9:41 am EDT
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i opened a acout also they would not close it un till ipay the monthly 9.00 dollars monthy fee now i oue 28.00 dollars it seemed to be a good bank i geusse i found out yhe hard way ronald g ducey mish in

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disagreeinginohio
US
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Jul 05, 2010 7:29 am EDT

used to work for woodforest, we are unable to close an account if you have any kind of outstanding balance or outstanding transactions, and will try to notify you about these issues, whether or not you are able to be contacted if no fault of our own. Please include the right information if you're going to make a complaint.

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Went to Woodforest ATM to pull out $400 for my fiance. ATM jammed & only dispensed $280. I looked up into the machine to see if anymore money was where I could pull it. I immediately went to the teller to report the shortage. I hadn't even put the money in my purse & had the receipt which stated that $400 was dispensed. The teller asked me if I was on my...

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Woodforest National Bank employee relations

I was once employed with Woodforest as a manager. I was let go because one of my employees made up a story to the HR dept. She was on the verge of being fired and knew it was coming so she got everyone together that she all went to school with(small town) and said the I mistreated the employees. I was never contacted about the situation and came into work one day and was told that I was let go without warning. I also believe it had to do with the outlandish sale goals that were placed on the branch. It hard to get people to open accounts when no one in town would accept a check written on the bank.

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IN VIRGINIA
Deltaville, US
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May 19, 2010 7:09 am EDT
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WF fired my husband I believe because of age discrimination. This is a bank that can not appreciate a good employee that takes his job and the bank customers seriously. My full story will be coming soon and you will be so surprised at what goes on behind the scenes. Corporate should review their tapes and they will find that they can take trash off of the street, but they still do not clean up very well. to be continued...

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One in Alabama
US
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Apr 21, 2010 9:15 am EDT

I was hired as an instore branch manager for Woodforest July 2009. After going thru a week of their "training" in another store before mine was to open, I concluded that I was not going to have anything to do with this bunch. I contacted my regional manager and told her I was not returning, and added that it was a mistake to come to this "bank" in the first place. I insisted they not pay me, but they ended up paying me & screwed me out of unemployment compendation. Not only did I not like their business model of overcharging customers for overdraft fees and daily fees to boot, I honestly felt they would can me in no time because of their rediculous sales expectations to obtain customers in a sweat shop atsmophere. Too many silly "in-store" campaignes going on, and not enough emphasis put on serving the customer. I have been in banking for twenty-five years, and this is one bank I would not ever recommend. Sorry, Judy!

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brownsburg indiana
Brownsburg, US
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Oct 01, 2009 5:21 pm EDT

O I love this one dave! She did not round up the employees, you know what you did. Nice try!

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Woodforest National Bank awful bank

Wal-mart who proudly services Woodforest National Banks in their super centers has once again found a way to screw the "American Public!" Two years ago I went an opened a second chance checking at the bank and opened both a personal and a business account. The business, being seperate from my personal with it's own EIN and LLC documents and company name, mailing address, phone, ect. Due to a large amount of NSF checks returned to my business account, Woodforest took it upon themselves to transfer everything in my pesonal account to my business saying they could "legally do that". Then my personal account became overdrawn due to checks that were out! I was so furious, that when I closed my business, that year, I filed for personal and business bankruptcy! Last week I had to go to their bank to cash a check that was drawn on them, not only did they keep my check, they refused to give it back to me when they told me they were collecting on an old debt! That they could legally do that! It didn't matter to them that I had no groceries and no gas to drive back. My children were with me and it was the most horrible thing I have ever had to encounter! I thought that was why in opening businesses we get LLC and EIN numbers and why when we file bankrutpcy "we are protected"... Way to go Wal-mart! This bank also charges the Blue Collar American Worker, $3 daily as their accounts stay overdrawn! Wow, if you are paid once a month, that really adds up... Is this legal? Stay away from this bank! AND STAY AWAY FROM WAL-MART! Sam never wanted his store to be part of scams or fraud to the Americans he loved so much!

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John Q. Public II
Plano, US
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Oct 07, 2010 3:06 pm EDT

I hate that most every complaint about Woodforest has that note in it to contact the Regional Vice President. Most of the complaints are legitimate non-customer friendly policies and shouldn't require a RVP.

Why not be different and make customers love Woodforest so you could be the new standard in customer-centric banking?

John Q. Public II

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cammilane
US
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Jun 18, 2010 11:47 am EDT
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if you were opening a second-chance checking account, you probably didn't know how to run a business anyway. IT'S FOR PEOPLE WHO CAN'T MANAGE MONEY!

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reality919
Hampton, US
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Jun 09, 2010 9:14 pm EDT

Sounds like you have some spending problems. It was the Bank, nor Walmart - making you spend $$ you didn't have. That is why you should budget your money. When you spend $$ you don't have, yes, you will get fees. And yes, they (all banks) have the right to "Offset" from one account to the other. Sorry for your children going without, you need to think about that before you get yourself in this problem.

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wife2mikejh
Marion, US
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Dec 21, 2009 10:44 pm EST

Unfortunetly that information is provided to you in the disclosures you got when you opened the accounts. All banks do this. It's called "right of offset."

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Woodforest National Bank pending/rearranging order of posted transactions

I've had major issues with woodforest holding every single debit card transaction in a pended status for 5-7 days and then rearranging the order that they post the items in an attempt to overdraw the account to receive the maximum number of nsf fees. I called customer service to complain because I have an item that has been pending for nearly a week! They told me that 'its not their fault - the merchants are not collecting on the transactions; therefore, the items are pended". You mean to tell me that every single merchant (Since i've been a member of the bank) is waiting 5 - 7 days to collect their funds?
I dont think so! They should be legally bound to post the items in the order that the transactions occur instead of pending the items and changing the dates of the pended item to reflect the current date (Not the date of the transaction).

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scmommyje
gaffney, US
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Jan 02, 2011 11:57 pm EST

You should know how much money you have and what you spend, what does it matter the order? If you spent it, you no longer have it, DUH

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rawl
Tarboro, US
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Aug 11, 2023 12:13 am EDT
Replying to comment of scmommyje

You're an idiot or a crook! The order does matter. People like you are the problem!

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Elle0115
US
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Sep 27, 2010 12:29 am EDT

I love how people complain about fees and banks when they really don't seem to know how to keep up with a banking account. You see, how this works is when you open an account terms and fees are explained to you and then you are given a packet with those terms and fees included in it. It is your RESPONSIBILITY to read the terms and conditions of having an account with that bank regardless of which bank you are with. On top of that you are provided with a register which is to be used to keep up with your transactions, both debit and credit, and the balance of your account. Online banking and telephone banking are tools to help customers not to babysit the account for you. That's just lazy... It's always been my opinion that if you don't know how to use an account you don't need to open one. By the way, there really isn't an excuse for not know how to use a checking account. If you went to school and managed to have made it past third grade, it's all just adding and subtracting. If you can't do that, perhaps it would be wise to take a few intermediate math classes in college.

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rawl
Tarboro, US
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Aug 11, 2023 12:14 am EDT
Replying to comment of Elle0115

uggh

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Jennifer4356
Lexington, US
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Mar 18, 2010 9:47 am EDT

They are the WORST BANK

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rawl
Tarboro, US
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Aug 11, 2023 12:15 am EDT
Replying to comment of Jennifer4356

yes

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Jennifer4356
Lexington, US
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Mar 18, 2010 9:46 am EDT

This BS has happened to both my significant other and mself...Him only 2 times, but its been the past 4 months with me that I have been arguing with them over this and they state that there has been no rearranging, they are LIARS...and the $5 daily fees they accure are ridiculous...

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sarahandroy
Hudson, US
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Dec 30, 2009 11:00 am EST

We were also told that the purchase stays in "hold" until the store processes their batch, that its the store that determines the date, not the bank. (I had been told the same thing by Wachovia in the past, we switched from them to WF)

Well I just got proof that the hold baloney is a bunch of BS. I paid a bill on the 18th, had the $ in the account, and it stayed in hold till the 22nd, when I didnt have the $, alont with one small purchase that I made on the 16th.

So, I called both stores and asked them when they process their batches. Both stores told me they do theirs at the end of every business DAY. not week, DAY.

And when we opened out account, we were encouraged to use our $300 bounce protection by taking the cash from the ATM if we need it, so that we only incur 1 OD fee instead of several, What a crock.

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DebHil09
Raleigh, US
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Dec 02, 2009 11:09 am EST

The same has happened to me as well. The claim that the merchants are not posting their debtits, and they do rearrange all of your transactions so you will get as many overdrafts as possible. And the $5 after the 8th day is a JOKE...I went back on my statements for months, and found that they started the $5 after the 3rd day, the 5th day, and I have my check go there every 2 weeks and my other pay check go there once a month. Needless to say, I was just using them because I worked at Walmart and that check posted early, but it doesn't do me any good when they take it up in worthless fees. I don't need second chance banking I deal with both Great Credit Unions and rest assure they will be getting my direct deposits after I get my fees back TODAY!HOPEFULLY.. they always have excuses...

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LaToria kenion
Hillsborough, US
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Jul 03, 2009 1:10 pm EDT

My name is LaToria Kenion out of Hillsborough, NC and I have the same experience issue last month this bank hit me up with major overdraft fees totally about $250-300.00. Bank kept saying that I had pending transactions called the merchant where i made purchase at an they said they ran there payment as they can to get there money back. Then I also have online banking where i keep up with my detail purchases and one day it shows up as it is good then the next day its not. Then my last and final draw with bank. I was going to the ATM and withdrawing money from my acct and it allow me to and i really didnt have the money there to do so, remain you this is the first time this has happen usually if no money is there then i cant get no money out even if im a dollar short from 2o dollars. well their reason was bc i made 500 weekly that gave me a preapprove credit limit where i can take money out of i dont have it, but catch this they charge me 34 overdraft every time i went to ATM for $34(3) u do the math. so how can u say u gave me advance pay when one i never ask or been told about this and then really take my hard earn money from. only thing good about this bank is that they open late hours and 7 days a week.

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Woodforest National Bank check cashing

I was an employee at Woodforest National Bank for 3 years. I left for a better opportunity at another financial institution. I wanted to write a check off my other bank account to deposit into Woodforest to make my car payment and they claimed they have a "new rule" that they can't accept TO ME FROM ME checks any more. There would be an automatic hold placed on my check from the other bank where I WORK for 7 business days! I have never written a bad check before in my life and I am definitely not going to write one off of my new job! THAT"S CRAZY! The regional manager, the branch manager and the assistant manager have came up with this all on their own. From what I understand it's not a "WOODFOREST" policy. I am very disappointed in this bank.

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Woodforest National Bank overdraft fees daily

I accidentally swiped the wrong atm card. I have one with WoodForest and one with my other nack and they are both green and look almost exactly alike. I didnt have enough money to cover the transaction and they approved it anyway causing me to over draft (I did have enough in the other account which waas what card I thought I was swiping, I ususally only use my Woodforest account to buy things online so I dont keep alot in it I just deposit more when I need to.) So anyway, that was a 35.00 overdraft fee, and I got the notice about that, but I had to go out of town and was being charged 5.00 per day fee (unknown to me) I get a call from someone asking me if I can pay the 300.00 balance several and when I called the bank to talk about it, they will not close the account it just keeps accruing fees daily and if I make a deposit today of half the amount, it is still going to keep adding 5.00 a day. They have a "payment plan" once your account hits a certain amount to pay back these crazy fees and until your account hits about 350.00 they will keep adding on the fees and telling you in 60 days it will be written off and go to collections. So instead of letting you cancel your account and try to get ahead and pay them back, they keep laying it yo ya! You guys are making letting it be written if look like a good option! You have dirty tactics and after reading complaint after complaint against you, I say screw every one of you people and I have printed up several hundered complaints I read online and think your other customers should beware, hmmm...think I will be spending more time at Walmart real soon.

Melissa

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scmommyje
gaffney, US
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Jan 02, 2011 11:58 pm EST

Sorry, but this is your fault, not theirs. And, some merchants can take up to two weeks.

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mabel55
Winston-Salem, US
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Dec 17, 2010 11:32 pm EST

They charge extra charges to account. If you tries to give them the over charge balance anbd they refuse to take it without you giving them $200.00 more than you owe them. The balance was only $-1.97, but they want to charge you more than the $29.00 over charge fee. I will not be harass by them or give them more than they desired.

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Claudia G
RO
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Oct 07, 2009 7:34 am EDT

This happend to me, too and I don't know how to pay that shortage on my credit card because I
m not in USA anymore!What happens if I don't pay that amount?
Thank you for any answer!

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jfhinhtx
US
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Aug 04, 2009 10:03 pm EDT

We were thinking of switching over to Woodforest since the service we're getting from Chase (aka rolling over our checking/savings accounts from WaMu) is terrible.

You raise valid complaints about the problems of using debit cards. When do they move out of "pending" status and end up in completed transaction.

This is important to my husband and myself because we're retired, living on a fixed income, and once in a while, out auto-deposits from our pensions and Social Security fall on a weekend. They show up as pending but aren't actually posted until the next "business" day.

Fortunately, I track our online account(s) daily and if something looks like it might not clear without our auto-deposits, I transfer $$ from our savings.

However, this is no longer a good option because Chase is making so many mistakes after the roll-over of WaMu checking/savings accounts during the weekend of July 24-26 that it's ridiculous.

(See my soon-to-be complaint about this fiasco...)

So...does anyone have a story of a GOOD bank to use in Texas? We were really hoping that Woodforest Natl Bank might be one of the good guys?

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cmurphy252
Charlotte, US
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Jun 30, 2009 12:20 pm EDT

I've also had problems with overdraft fees from this bank. When I use my debit card, I expect the transactions to post within 1- 2 days in the order that they occur. I generally ensure that I have money to cover the expenses at the time they occur. Woodforest has an "unspoken" policy of holding debit card transactions 5-7 days and then REARRANGING the order in which they post them, all in an attempt to cause the account to overdraw/increase their NSF revenues. I called to complain to customer service because I have a transaction currently pending which has been pending 1 day short of a week! They told me that "it wasnt their fault - the merchants are taking 5 - 7 days to collect on the transactions".
You meant to tell me that EVERY SINGLE MERCHANT (since I've been a member of this bank) is waiting 5 - 7 days to collect their funds? I DONT THINK SO!

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Woodforest National Bank tied up $3k of my money

Long story. Their mistake but were reluctant to do anything.

My unemployment goes into an account that I have a debit card for. My only access to the money is by using the debit card or paying extra to do an online transfer to a bank.

I wanted to pay off a 0% cc loan that was about to expire. I had a few grand in my checking account and I had about $4500 in my unemployment account. On April 23rd I went to the bank to get a $3000 cash advance to deposit into my checking account so I could pay the cc off.

When the teller swiped the card the machine malfunctioned (she didn't tell me that). She processed the transaction again and it was delcined. I thought maybe there is a limit, try $2000. It was declined again. I said try $1000. The $1000 transaction was approved.

When I got home I checked to see if there was a limit and found that there was in fact no withdrawal limit. But I also saw a pending pre-authorization on my account for $3000.

I called the company and asked why the pending transaction if it was declined. They said it was not declined, that the amount was approved when the request was made. I knew that in order to get the pending removed I would need the bank to send a letter telling them they were not going to finalize the transaction. I asked the guy if there was another alternative other than waiting 5 to 10 days, he said no.

Next day, April 24th, I went to the bank and explained to the teller that there was a pending transaction for the $3000 and they needed to send a letter to the bank. I provided a copy of my statement showing the pending transaction. I thought it would be a simple request because I knew the procedure. It happened to me once at the post office. They said I had to swipe my card again and there were actually 2 transactions for the same amount. I did let that one go for 5 days. They had no idea what to do so they were going to send it to someone else and let me know what they found out. I never received a call so I just waited. 5 days and it was still there. 10 days and it was still there.

I called the company and found out what really happened. They told me she had swiped the card twice and the first time got approved, the second was declined because the first was approved and there was not enough money for the second request. The 3rd attempt was declined because the first was approved. The 4th attempt was approved because there was still enough money in the account.

She also said any thing over $250 would remain for 30 days unless the bank sent a letter. And she said the matter could be resolved in a few hours if they would just fax a letter. I went to the bank and asked them what was being done. They said nothing was being done because when they forwarded the matter no one had ever heard of anything like that and that they could not send a letter because they did not have any record of the transaction. I said if you have no record then what will it hurt to send a letter to that affect and tell them it won't be processed. I got them to call someone and in the phone conversation that is when she said she swiped the card and the machine malfunctioned. But in all the people she talked to, she never told them what needed to be done. She just asked if they should do anything to get the funds released.

But they still said they had never had to send any correspondence like that. Their risk dept. didn't have any idea. I made a small scene in the bank at Walmart and they said someone would call me that afternoon. I went straight home and called the account company back and spoke with them again and they assured me there was nothing I could do, the bank had to do it. I called the banks main CS in Houston and talked to about 3 people and a CS supervisor told me that someone in risk was taking care of it and it would be done within the hour. The branch manager called and I explained to him that I had called CS and he said he would call and make sure I was told correctly.

Well, the next morning the transaction was still there. I was hot. I called the account company and they said they had received no letter. I called the banks CS and went through about 3 people and no one knew what the hell was going on. I finally got a CS supervisor that told me that she had spoke to someone in risk and that the letter had been faxed in that morning (18 hours later than they said they were going to) and that they had received a confirmation of the fax. I told them I wanted a copy of the letter faxed to the bank so I could pick it up. I never got to speak to anyone in risk at any point. I am the customer, shouldn't they deal with me if they are offering customer service? They can't even give you a direct call back number, you have to start everything from the automated process.

I called the company back and got to the head person on duty on the phone and she told me the fax number I was give was for the Texas office and that she was in Harrisburg, Pa. so she could not verify receipt of the fax. I told her I was going to get a copy of the letter and would she accept it if I faxed it in. She said yes. She was very accomodating and said that if she saw the money post to my account before the end of the day she would call me. I told her I would get the letter but would wait until morning before I got back to her.

I went to the bank about 4 hours later to pick up the letter and no one knew a thing. After about 15 miutes they finally came up with the letter from an email. I brought the letter home and waited. The next morning the money was back in my account showing a transaction reversal.

So after 12 days and only two extra blood pressure pills I got my money back. The people at the bank did not seem at all concerned that I would have to wait 30 days to get my money even though it was their machine that malfunctioned and caused the whole ordeal. Hell, I guess all their account holders have an extra 3 grand to throw away for a month.

The lady at the account company said it is a very common thing to happen and that she has had a few banks refuse to send a letter, and those banks did complete the transaction 90% of the time. But she has never known of a bank that has never had it happen and did not know what the procedure was to rectify the situation. I think the bank was just stalling with the whole thing.

They said they made a one time exception just for me.

I know this was just one incident with the bank; but the way it was (or should I say wasn't) handled and the several times they lied to me about what was being done and the total lack of communication is just not the way customer service should be provided. Especially for a financial institution.

I told the teller, I normally keep a few thou in there but since they messed up, all that money was now gone from the account and I will make damn sure that there was never any money in that account again. I don't think they really care.

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thsk
Big Spring, US
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May 05, 2011 10:48 am EDT

I've recently had them take me for $800 in overdrafts from a TWO WEEK lag in a check deposit, and was basically told by a CS supervisor and numerous others in the company "not our problem". When I had opened this account, I had also insisted on overdraft protection, which those documents were obviously disregarded. Already got a lawyer.

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MarcyC
US
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Feb 09, 2010 8:02 am EST

I have the highest regard for Woodforest. My debit card was stolen and charges form an overseas digital firm were placed on it. They took care of the matter promptly and efficiently. I had a new debit card within 5 days.That's what I call service. When my first worker's compensation check came, for over $3000, they personally called the bank it was drawn on to have it verified. I was able to get money out of my account right away. I am one of the second chance customers, and had previously been denied an account at another large bank here in Ohio. Woodforest tellers have been nothing short of courteous, knowlegable and ready to go the extra mile for me. Their banking hours are fantastic and being located in Walmart, I can hit two birds with one stone. Woodfroest is the BEST bank I have done business with in my 40+ years of banking history. Keep up the good work Woodforest!

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WNB
JM
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Aug 26, 2009 3:21 pm EDT

wood forest customer service reps are doing a great job, even though it's not their fault that people think that woodforest bank is fraudulent, it's a great bank & please bear in mind, which bank would give customers with BAD CREDIT a second chance to have an account, and if you research you'll see that it's mostly SECOND CHANCE CKECKING ACCOUNT customers that are making these silly complaints trying to tarnish the good that WNB has done & is doing to our growing economy. Keep up the good work WNB & people please manage your accounts wisely so that you don't have to find someone to place the blame on for your errors of using your debit card info online & going on shopping sprees, tcausing unauthorized charges, if they don't have your account info, then they can't debit your account. PEACE & LOVE ALWAYS...

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cmurphy252
Charlotte, US
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Jun 30, 2009 12:37 pm EDT

Woodforest may have no control over the cash advance machines but they sure as **** have control over the lack of communication, the outright lies told to the customer, the lack of sending the fax to rectify the situation, the incompetencies of their staff. . . shall I keep going?

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notnecessary
Toledo, US
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May 12, 2009 10:52 pm EDT

Woodforest National Bank has no control over the cash advance machines. It is ran through a completely different company.

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I went into the bank on a monday evening around 4pm and I needed some stamps. I was informed that I could not buy any by the branch manager beacuse she had not counted the register. she was very rude, and as I walked of I heard her make a comment about me under her breath. I beleive she said "we are not the post office so go there, we are a bank". she wa...

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About Woodforest National Bank

Woodforest National Bank offers a variety of financial services including personal checking and savings accounts, business accounts, and loans. They provide online banking and a mobile app for convenient account management. Additionally, Woodforest offers investment services and financial solutions tailored to individual and business needs.

Overview of Woodforest National Bank complaint handling

Woodforest National Bank reviews first appeared on Complaints Board on Aug 12, 2008. The latest review The treatment, disrespect, discrimination refusal to be given service by the Teller Hazel 03.31.25 was posted on Mar 31, 2025. The latest complaint The treatment, disrespect, discrimination refusal to be given service by the Teller Hazel 03.31.25 was resolved on Mar 31, 2025. Woodforest National Bank has an average consumer rating of 5 stars from 259 reviews. Woodforest National Bank has resolved 223 complaints.
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  1. Woodforest National Bank Contacts

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    +1 (877) 968-7962
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    25231 Grogan's Mill Road, Spring, Texas, 77380, United States
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Woodforest National Bank Category
Woodforest National Bank is ranked 81 among 412 companies in the Banks category

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What are Woodforest National Bank working hours?

Mon 7:00 am - 8:00 pm Tue 7:00 am - 8:00 pm Wed 7:00 am - 8:00 pm Thu 7:00 am - 8:00 pm Fri 7:00 am - 8:00 pm Sat 7:00 am - 8:00 pm Sun Closed