San Francisco, North Carolina
United States - 94104
I was on the Wachovia website wanting to give positive feedback to a Wachovia Employee. I found on the Wachovia website which stated the following. Senior staff members may not need quite so much praise and encouragement over learning new skills, but they emphatically do need praise and encouragement for their effort and commitment. Most employees, and indeed most bosses, feel that they do not get enough meaningful positive feedback. Everyone would benefit greatly from more thoughtful and clear interactions of this kind. Here is the link. Toward bottom of page.
I called Wachovia to give a District Manager a positive employee performance appraisal. I only have a free checking account so I only get 2 free 'ACCOUNT INQ PERSON TO PERSON' calls per month. Each additional one is $2
Banking Definitions - http://www.allbusiness.com/glossaries/banking/4941812-1.html
Definition of Account Inquiry - request for a copy of an individual's account history.
Definition of account history - summary of a deposit account's activity, including interest earned, during a particular period.
This call had nothing to do with an ACCOUNT INQ yet I am charged $2 for this. I feel good about what I did and was also told this appraisal would go to the president of Wachovia.
But being charged $2 for this? Do I feel ripped off? Absolutely!
They have lost my car pmt. and charged me late fees because i was late on a pmt. (Because they lost it!) They would not quit calling me.
Wells Fargo was the first company to offer a loan payment i could afford on a new truck. LIFE WAS GREAT!!! Or...
On January 14th I went to Wachovia on the corner of NorthLake Blvd. & Military Trail to cash a check a customer gave me and the bank charged me $5.00 because I did not have an account with them. This is a RIP OFF of the public, for what reason should I be charged? The person owed me the money and gave me a check (no Problem) except for the bank, If the person didn't have the funds in the bank they wouldn't cash it anyway, why the $5.00 fee?
I am going to write the banking and insurance commission on this. How about this happening a few thousand times a day? Who pockets the money? This is a Real American consumer RIP OFF.
My mother bought a van and my girlfriend acted as cosigner. But immediately, Wells Fargo switched the buyer...
I used a $13000 balance transfer from American Express and deposited into my Wells Fargo Credit Line. On...
I have two loans with Wells Fargo, both at 20.90% interest rates. I had some personal issues for a bout a...
I purchased a home on a land contract back in March 2006. At that time there was no lens on the house except the one I had from my company I was buying my home. I found an investor or so I thought that lowered my interest rate. I paid him $22,000 up front and house payments, kept insurance on the home and did a lot of maintenance. I found out about February of 2007 that the house was being foreclosed on by Wells Fargo who had gotten Home Eq to service the loan. We constantly called Home Eq, Wells Fargo and their attorneys who refused to tell us anything regarding the loan that we had no idea about. In October we finally got Power of Attorney so we could talk. We tried to get a loan to buy the house but they were asking more than what it was worth. So we had to put more money in the house so it would appraise higher. We did that but because of the time it took to get the house to appraise higher they now state it is over the 30 days and they are not giving us any more time. As of yesterday a Sheriff showed up at my door for a sheriff sale for 1/9/08 at 10am. Yet we were almost done with the loan before christmas. The house is deeded in our name and they are lein holders. We've asked them to work with us as we have 4 children and no where to go. I'm afraid we will loose our children for being homeless and having nobody to go to. We have begged them to work with us and they keep saying we will see you in court. They have the attorneys and all we have is our children and paper work. Who do you think will win? Certainly not the people who did nothing wrong. Their is no holiday spirit out there anymore. Banks are out there to take advantage of the innocent people. In the time that they have been attacking us and trying to throw a family of 6 out of their home they could be prosecuting the guy who took the loan out on the house in the first place and scammed people. That would be the appropriate and right thing to do instead of hurting people who have done nothing wrong but have begged and pleaded for the bank to work with us. We are still wanting help and are still willing to pay for our home.
Every time you use your Wells Fargo credit card, you collect points per every dollar spent. These point can...
About 2 years ago, my mom and I bought a house together. She also co-signed for a new car for me in 2005. Last Sept. my mom when to Wells Fargo and applied for a mortgage loan so she could get the house out of my name. Due to the fact that her debt to income ratio was off, Wells fargo contacted me about financing my car that my mom co-signed for into just my name. I applied for the loan and got approved. When my husband and I went in to go over the details of the loan, it came out that the interest rate was 19.99%. When I asked why they told me that my credit score was only 480 and I couldn't get a lower interest rate. I asked to see a copy of my credit report and he told me that he was unable to show me due to Wells Fargo policies. When my husband and I were about to turn down the loan and leave, the loan officer said that if i didn't take the loan there was no way for them to get my mom's house into just her name. A couple of days after signing the loan, I was notified that they were unable to get my mother approved and that I was going to be stuck with the house plus a 19.99% interest rate. A year has gone by and I recently looked at my credit score and realized that it has gone up about 150 points. I decided to call Wells fargo and ask them what my credit score was when I got approved a year ago. One of the loan officers told me it was 645, another loan officer told me it was 680, and then the manager said it was 580. Whatever it may be, it was no where near 480 like I was told. A loan officer also told me my interest rate was because of how much negative equity I have financed. He also went on to say that my loan was approved on the fact that they were able to finance my mom's house out of my name. In my opinion, my whole loan is a lie and based on false information. I would have NEVER signed the loan for 19.99% when my orginal loan was only for 11%, if I was told the truth about the details of my loan. After researching complaints about Wells Fargo online, I have found that there are many other people that were told that their credit score was low was it really wasn't!
After having an Wachovia account for 20 years, since i turned 18 in the year of 1999, now at the age of 28, It is extremely sad to say that I DO NOT recommend Wachovia bank to anyone! They are a major scam, and treat their customers with no respect. They avoid situations, and only credit customers back with overdraft fees the $35. and how ever many they have when they are in fault. As of right now, I am currently getting a run around between the dispute Department and the bank itself because on 11/05/07 I realized that I had $99.95 withdrew+ a $35.00 overdraft fee to my account from a credit card company of Millinium Bank. I then realized that I never even applied for a C.C for Millinium Bank and that My Identity has been STOLEN from me and used to apply for a credit card from Millinium bank. I called both Milli. and Wachovia to notify them and hopefully recover my $99.95. On the same day of Monday,11/05, I went into the branch and filed and signed a affidative to relieve my money. The bank said they would fax this paper to Milli. Bank that same day and we Later find out that this was done wed., 11/7/07 and that the $99.95 would be back into my account on that thursday morning. After finding out that the money was not in my accnt. that thursday morning and that I had been ridiculously charged a $2. person to person fee on top of that, I called again on friday to find out that My money wont be in my account until Tuesday morning of the 13th(which is today). Still, Nothing in my account, The good thing is that Wachovia did credit me back $140. after charging me $35.00 overdraft fees FOUR TIMES. They think that now, my problem should be resolved, but it's actually an avoided situation on my part. After being told today, and speaking to the Dispute Department, which told me that by This Friday, 11/17/07, My money for $99.95 Should be in my account by that morning at 12/1am . In the mean time, this is where i am being scammed. On top of the $99. I am overdrafted again, another $70.00 for 2 overdraft fees of $35.each. As well, I have a big check that is going strictly to my rent that needs to be paid tomorrow, and I have to cash this and they refused to cash it, that they have to take $72.oo out of my check to cover my fee's. Again the Ridiculous $2 service and the $70. overdraft fee. Which brings me back to the fact that if my $99.95 would've went into my account when to be posted today at 12am, I would only have saw $25.95 of it. This is where they start to scam people and avoid the whole fraud situation and my identity theft. I think that this is very unethical of such a bank that is suppose be there to help protect their customers. On the same day, Today, 11/13/07 I contacted Millinium Bank, which is trying so hard to help us out and give us ways to get back at Wachovia and help get our money back, My Fiance and come to find from that bank, The such lovely of a wachovia bank, never even faxed the form to them like they said they did, so really getting my money back to me by Friday,11/17/07 really isnt happening because wachovia LIED about the fax to the bank. My Fiance, and I threatened Wachovia Bank to getting a lawyer and taking them to court, prior to finding out that they never even faxed anything. Now, the court issue will begin, and i am definitely changing my bank... and its not going to BANK of AMerica(which is another bad bank) This whacked bank has a tendency of Delaying the most important issues as far as customers go... best advice, STAY AWAY FROM WACHOVIA! Its really sad to see this happening after 20 years of service with them... Never saw it coming and I even heard bad news about them for a long time... GUESS I SHOULD LISTEN TO FORMER CUSTOMERS FROM NOW ON.
Made a phone payment on Oct. 12th 2007. I did the whole automated system where it ask for you account number and checking information. After entering all my information the phone system said there was an error and they would forward me too and operator/banker to take all my information. After doing all of that I started to receive letters from my bank that my account was over drawn and starting getting overdraft fees. Not knowing anything I used my debit call that weekend (Oct. 13-14) and thought everything was okay. Went to the bank the following Monday (Oct. 15th) to get a print of my banking statement too see why my account was negative. Comes to find out Wells Fargo Auto Finance ended up taking the payment that the operator took out plus the payment that I tried to make through their automated system. The automated system never game me confirmation number or anything saying that the payment had been accepted.
After getting my bank statement I called up Wells Fargo to see what was going on. On hold for about 10 minutes and I get a hold of someone in Pennsylvania and let me say they are so rude and stupid. I told the operator about my situation and she kept cutting me off not letting me complete a singe sentence. After being put on hold numerous times the operator told me to fax my bank statement to her. Then she said that there was a system error with the automated phone system and they apologize for the error. I was a little ticked at the time but kept my cool and asked her what am I suppose to do for money since it was Wells Fargo error and not mine. After sending about 10 faxes to Wells Fargo, they kept saying there weren't getting them even though I got the confirmation letter back from my fax machine. So finally after a week and ended up going to the local Wells Fargo Finance place and talked to one of their people. I must say the guy was very nice and helpful. But the operator gave the guy at the Wells Fargo Finance place the run around as well. I had him fax my bank statement from their office and they called my late Friday night saying they got my fax but couldn't read it. That's kind of funny since I put for them to call my cell phone on the fax and they called, but couldn't read the fax. So know it's been a whole week and nothings been taken care of.
Come Monday morning (Oct. 22th) and I called Wells Fargo and I talk to a operator in Tempe, Arizona. She asked for me to fax my statement to her and she would look at it. Well I called Wells Fargo back a couple of hours after I faxed and wanted to confirm that received a clear copy of my fax. I ended up getting a hold of an operator in Pennsylvania and she was unable to forward me to someone at the Tempe, Arizona office. So I talked to the floor supervisor for the collection department in Pennsylvania. The guy said that I could go to the bank and they would take money from the Federal Reserve and Wells Fargo would pay for that. Went to the bank and told him what the guy said and they just laughed. Lucky my bank was nice enough to take money out my checking account even though it was in the negative. Thanks to Wells Fargo error my checking account was $900.00 negative and all they could say was were sorry. So whenever I called to check on my account I would ask the operator when she asked for my account number if they were in the Tempe or Pennsylvania office. I will say that the people in Tempe are a lot more friendly then the Pennsylvania folks.
I also requested that they call me when they got my fax and never received a single phone call. So when I was talking to a operator they told the would email a certain person and tell them to call, never heard my phone ring. Finally I received to checks in the mail. One for the extra payment they took out and one for some of the over draft fees that my bank had charged me.
I guess I just want everyone to know not to do business with Wells Fargo cause they don't give a hoot about their customers and are extremely rude. I even had on manager tell me that "we are paying you back so I don't seeing it being a big deal". Talk about pushing the wrong buttons. So know I'm waiting for another check for the overdraft fees to get my checking account out of the negative. I also asked the Wells Fargo dummy why they call me when I have payment that is one day late and take my money out the same day but they can wire money to my account. I wish me luck I'm about to call them here shortly too see what the status of my account is.
Almost two years ago my husband and I purchased a new used car... We were financed through wells fargo... What a nightmare this has become. Almost as soon as we got the car home we started recieving harrassing phone calls five to nine times a day starting at 7a. M. Lasting untill about 9p. M.
According to wells fargo we never had proper insurance coverage on the car... We've had our insurance company fax proof about fifty times... And us ourselves have faxed proof about 100 times. Somehow they never seem to have them... They just randomly dissapear into thin air.
Wells fargo added balboa to our car payment... Without ever making us aware of this... There fore our car payment was raised... Since we never recieve statements in the mail (We have called numerous times to request statements) weve only paid what we thought our car payment was for two years now.
About a week ago to make a long nightmare short... I woke up to find that my car had been repossed for pasts due payments... Mind you we have never been late on our car payment. So here we are carless and fighting with the most rude people in the world to get our car back... Something that apparently is going to cost us a small fortune. For some damn mistake that they made.
Has anyone else had this problem?
we have a mortgage with wells fargo. The payment went up in the first year. When it went up again in the 2nd year I ask for help with this payment as they had told me it was because of escrow. Our taxes and ins had not gone up. They told me to not make the payment but hold on to it because they would redo our loan and get this back on track. After numerous calls to their customer service center and after receiving foreclosure notices they redid our loan at an even higher rate and more interest. When I tried to refinance through another company they told me that because of wells fargo "bad credit" they could not. If wells fargo would remove this as a bad mark they could. When I called wells fargo to ask them to remove they said that they could not because we had the option to pay in full. We have struggled along with this high payment and they have had to redo our loan again because of it. I am scared to see what the high payment will be this time.
Also we have a checking account with them... dumb move huh. I forgot to write an auto payment down and it was for approx$100. Because of this after several checks have went through there is over $1000.00 in service fees and it has taken 3 of my paychecks to cover them. Who can live without a paycheck. Wells Fargo will not let me close my account without letting me bring it current and they will not work with me on this either. They say I could get a personal line of credit and then they will put it into my acct and then i can make monthly pmts on this. Then they call back to say this is not approved... bad credit... probably from the mortgage deal. They have not helped at all but put me farther in debt. Probably bankruptcy is the answer then they will not be able to have me pay any thing back.
Through the process of all this they did give me approval on a personal line of credit -which was defaulted on- for $11,000.000 and also a $2000.00 credit card... Now why would they allow that. They have terrible customer service. Any suggestions would help. I dont' want anything out of them but to go away and I am doing my banking elsewhere.
I have been with Wells Fargo for 2 1/2 years and have never been without full coverage insurance. I started receiving notices that I would need to provide proof of insurance if I haven't already to this Balboa Insurance. I disregarded the first couple of notices because I knew that They had my insurance information on file. Then I started getting these constant, harassing phone calls several time a day. hey kept telling only a partial payment had been made and that I owed for the insurance. I argued them down that I've always had full coverage insurance without a lapse. to make a long story short, I have faxed and called Balboa 2x and I'm still being harassed by Wells Fargo and treated rudely. When I demanded to speak to a supervisor, the lady told me she would get me a supervisor and them slammed the phone down. I told them this was unlawful practice and I will go to the Insurance Commissioner. I am fed up now with this and I strongly suggest if there are other customers out there experiencing the same situation, SOMETHING NEEDS TO BE DONE IMMEDIATELY!!!
Wells Fargo - www.wellsfargo.com Back in Nov 2006 the phone calls started, saying that I did not pay my...
A couple of weeks ago I started receiving phone calls about a car loan that was 90 days past due. I stated I don't own that car or know what they are referring to. They continuously called 4 or 5 times a day requesting I pay, I continued to deny the debt and requested proof. Their response was always your on the contract as a cosigner, of course they are just looking at a computer screen with my name on it. Identity Theft or Fraud I am not sure yet which, but the point to this is...
If you happen to have any accounts with Wells Fargo they will take what they feel you owe from any of those accounts to balance any other accounts. They did not fore warn me or ask for my authorization before they zero'd out my checking account for this debt they claim I owe.
Wells Fargo Home Mortgage
I refinanced a home loan with Wells Fargo obtaining a loan with a different company. Loan with Wells Fargo was paid off 8/31/07. I am owed $1400.00 escrow refund. per Wells Fargo website, procedure is to issue the refund check 15 days after the loan payoff. I waited 21 days. Called Wells Fargo cust. svc and was told they have until 28th of Sept. for my receipt of the check, stating the check was mailed from Des Moines, IA on Sept. 17th. I live in a suburb of Des Moines. Considered same metro area. I did not receive the check on the 28th so I called back that day after my mail had been delivered. I spoke to "Teon" who told me he would place a stop pay on the first check, so if I happen to receive the first check, I should discard it. He said a new check would be "OVERNIGHTED" to me and received no later than the following Tuesday.
On Saturday, I received the first check, but no good because a stop pay was placed, per Teon. Took 12 days to be delivered 8 miles from Wells Fargo. However, I was assured I would receive a new check Tuesday. Did not receive check on Tuesday, called back. Wed, Oct. 3rd. Rep. said she could not tell what was happening with the refund, no notations. She asked who I had spoken to on Friday. I could not find the name immediately. She said she could not determine what was being done without the name. I said I would find the name and call back. Found the name few moments later and called back, of course different person this time. I asked to speak with Teon. Was told not allowed to transfer call to Teon, because Teon had not placed a notation on the account giving permission to transfer call to him. This call was now being handled by "Stacy" Stacy said she could not tell what was happening with the refund based on computer records, she could not even tell if a stop pay had been placed on the first check, which I now had in hand, but she said I could not deposit, because it may be returned. I asked if she could go talk to Teon, and she incredibly said she was not allowed to do that. I asked to speak to Teon's supervisor and she put me on hold for 10 minutes. Upon Stacy's return, she said it would take 24 hours to determine if a stop pay was placed on the check and another 24 hours to issue a second check. She said she would need to send an Email, per procedure, to Teon and Teon's supervisor, whose name is Aretha Andrews. Stacy assured me absolutely 100% that Ms. Andrews would call me the following day to update me on what the outcome was of the inquiry. Stacy gave me Ms. Andrews direct number and I asked Stacy to place a notation on my account that allows me to call her back if I need to. She assured me she would do that and guaranteed that Ms. Andrews would call me. That phone call did not come. I called back the day after I was to receive the promised call. I called the direct number I was given for Ms. Andrews and got her voice mail. I left a message. I then called the Cust Svc number and asked for Stacy, rep. said he was not allowed to transfer calls to other Rep's. He said Stacy had not placed the notation on my account as she had promised. I am now starting over and explaining the whole thing over again to brand new people. As of now, someone named Chad Fease has assured me a new check is being issued today, Oct. 5th, and I will receive the check no later than Monday.
I maintained a mortgage loan with Wells Fargo for 11 years and they made a nice chunk of change from my interest payments. To put it simply, I do not deserve to be treated this way.
When I purchased my vehicle financing through Wells Fargo Financial. Several months after the purchase I was injured and went on full time disability. Fortunately I did purchase disability insurance with the loan.
Unfortunately, I stopped receiving monthly statements. When I call the Wells Fargo office that originated the loan they cannot tell me why I am not getting a monthly statement. They would only tell me that my loan was current. I never did get another monthly statement, however, I did receive a letter from their collections department in Kansas City.
When I call the number in Kansas City and explain that I haven't received monthly statements in a year, they don't seem to see that as a problem. I ask, how would I know if I was current or behind if you won't send me statements, they have no answer. When I tell them that the disability insurance company is making the payment and that the payment should be current, I'm told it is not.
This bank does not know what it is doing. They are rude and can't see that the problem here is within their own system. I would never do any business with Wells Fargo Bank again. In the mean time I just hope a tow truck doesn't back up to my vehicle and tow it away before Wells Fargo finally gets this right.
In 2003 I financed a new Ford Focus thru Wells Fargo Auto Finance, formerly known as Wells Fargo Financial. I must say that I never really had a problem with the account for the first three years. Then, due to divorce proceedings, I began to fall on really hard times financially. I asked, several times, for a grace period on my payments and was denied. Then, My spouse moved out of state and as per our agreement, he took the Focus with him. He would make the payments from that state, in his name but using the proper account numbers. However, EVERY month Wells Fargo would send ME the bill, and call me several times, demanding that I make the payments. (I was primary on the account). Whenever I would call my ex, he would assure that the payments were being made. I had no reason to doubt him. This month, Sept 2007, my ex paid-off the account in full. So... guess what! My expectation is that I am paying off an account so that I may be in receipt of my car title, free and clear!. Wells Fargo, Instead sent me a BOGUS Release of Title and Affidavit of Loss (of Title). THEY LOST? MY TITLE! I did my part and TRUSTED them to do theirs...they did not. Not only that, but the Affidavit that they sent me was improperly signed by their Records Clerk, and it came from a bank that was not on record with the Washington State DOL. Also, the Affidavit had incorrect information and was NOT Notarized. SO I have taken time from work to drive to the WA State DOL Main Office to find out that I must wait even longer and go thru several steps to be able to get a clear title for the car. (In the mean time it is setting in Texas, awaiting a clear title so that it may be re-registered). Firstly, WFF/Auto must initiate a corrected affidavit, and then I may file for a new title. Two Reps from the WA State DOL have affirmed that they have had prior evidence that someone at Wells Fargo Auto Finance has been "Washing" Titles. So, when do we take action and prosecute? They find it necessary to harass me about payments that are not late, and yet they cannot produce the Title that I PAID to entrust in their "Safe Keeping?" WOW! What a RIP-OFF! I will never again do any business with Wells Fargo!