Wells Fargo
Reviews and Complaints

I have a Navy Federal Credit Union checking and savings account and they do the same thing. They say that it's some kind of federal regulation about withdrawling money too often from a savings account. So, to get around this idiocy I simply use two checking accounts and transfer money between them instead of between savings to checking.

This has happened to me many times as well. I hate Wells Fargo! Worst! Bank! Ever!

I had a few arguments with Wells Fargo, and one time they return one overdraft fee back to my account, because I showed evidence that they made the mistake, if i pay a bill my creditor emails immediately that payment was received
I check my bank acct. online and the charge shows on pending but is already subtracted from my balance, there was enough money to cover that charge, two day later a received a email from the Wells Fargo that an overdraft fee occurred,
I go check it out and is the same charge that I paid and was enough money cover, this Bank is making millions on overdraft fees that is stolen money"

For all these people blaming the OP by saying to keep better track of your finances: I say BS! I keep very careful track of my finances. I had Wachovia for years and never had a problem. When I made purchases using my check card, the transactions would show up the next day (usually as pending). Those charges would remain as pending until they actually cleared the account, but they always showed in my account, regardless. Now that Wells Fargo took over, many transactions will show up one day, but disappear the next.

My wife got paid yesterday and we made a number of purchases. By the end of the day, every single purchase showed on our account as pending. Today, three of those purchases are no longer showing at all (not pending, but not cleared either), and our available balance is around $150 higher than yesterday. Now, I know how much money I actually have left, because I kept track. What I want to know is, why did three separate transactions show up yesterday, but disappear today? Why are they telling me I have more money today than they did yesterday? Wells Fargo can blame the merchants all they want. All I know is that Wachovia had no problem showing an accurate account balance when dealing with the exact same merchants.

Wells Fargo is either incompetent, or they are doing this on purpose to trick less astute customers into garnering OD fees. Either way, they should be avoided at all costs.

Terrible, Terrible, Wells Fargo, the worst bank I've ever dealt with. They simply do not care! Hold checks for no reason, steal money from customers, and unable to give reason for why check is being held! Don't ever choose WF, unless, you want to be ripped, have check bounced and credit destroyed! They are the worst Bank to ever have! Wells Fargo, U need to change your business unethical scheme!

I'm so sorry for you loss and all the problems. It isn't only Wells Fargo. Mine is a long story so I won't post it all, but I have run into a huge problem with Financial Freedom. My son was recently diagnosed with Stage 4 Lymphoma and we are being threatened with foreclosure right now even though I am legally the owner of the house because it was a life estate deed. I'm heartbroken and there is no one to help me.

I received a letter from WF stating that they would proceed with accelerated proceedings - foreclosure - if I did not pay them the 2 months of mortgage plus late fees by the middle of March 2015. I sent them about half though my banks bill pay and the rest was though a rep with WF over the phone. WF received the check from my bank but has been sitting on it - uncashed - for 2 weeks now. None of their service reps have any info on having received this and I strongly believe that this is WF way of holding the money and forcing me into the foreclosure process. I am trying to cancel the check with my bank but it will take 5 business days. This should be reported to the government. Shame on you WF

I hear all of this going on but I have to ask where the heck is the government in all this, "For the people and by the people" yea right. For the politicians that invest with Well Fargo, along with multiple billionaire investors through out the globe. All the rest of the hard working family people, can go pound sand. I am dealing with these jerks as well since my wife I got laid off in 2009. I, as a courtesy, advised them of what had happened with our jobs in order to have them work with me and they offered me that same b.s. plan they offer everybody. Needless to say, I told them to send me the offer in writing so I may look it over and they did, eventually, 3 months later. Come to find out that what they where not going to charge in those 3 months was going to be asked for as 1 lump sum at the end of the 90 days (dumb ###), how is this going to help anyone in dyer straights. I finally came to an agreement with them to pay about $300 less than what I was currently paying at the time and the difference would be tacked on to the end of the contract, which would be extended. These payments did not last even 6 months before they jumped up again to almost the same thing I was paying originally. I called and asked for an explanation of the payments going up again and they said that this was not their problem, they said that they can't control Insurance rates or tax rates. So now I fell a month behind and when I went to make a payment they refused it. I spoke with their customer service and they told me I was 3 months late, I assured them that I wasn't and they said that I missed a payment in November of 2011. When I pulled my account statements from August 2011 through December 2011 I show a payment every month, some paid with late fees. So I explained to them once more that I was only 1 month in the hole and that I was willing to get the money from a friend for the 1 month I was behind and they said no, that they will only except the total amount for the 3 months or they would send my house to foreclosure, mind you, that even if that where true the payment I was originally making was not considered late until the 12th of the month and I was making it on the 8th because that's when my company paid me. Now I have to go to mediation for something that could have been resolved in a much easier manner by them accepting 2 months payments with the late fee and figuring out what happened with the Nov 2011 payment that they accepted. These guys are just trying to screw everyone out of their homes and put them out in the street. I have 4 kids and a wife and believe me if WF wants a fight I have one for them.

Go get em' we're trying to keep our home out of foreclosure but every time I called WF, each person told me a different story and nobody was on the same page so I wrote them a letter proposing a payment plan to catch the loan up within 45 days and they cashed the first payment, which I sent with the letter. I assumed since they cashed the payment, they would accept our payment arrangement but over a week after the fact they wired the money back to my account. My attorney claims she's never heard of that and found it hard to believe. I'm living one of the nightmares that I keep reading about. Something has to change.
Cheryl Gantner

I am going through the same type of issue. I have started a loan with them back in May 2011, they had me setup for automatic payments, but advised in a letter that I should go about making my payments manually until I receive a letter advising the process for automatic payments withdrawal was completed. Well the 20th of June came around, and my payment was due, and no letter, so I manually made the payment. I was not happy about it, but thought, well at least my July 2011 payment is taken care of. I checked back 2 weeks later and saw no payment due for the month of July 2011, so I figured everything is allright. As of today, I am one payment behind, and the title to my car has been released to them, but they have nothing to verify this, and DMV is not able to provide me any paperwork to confirm the release of the title for my car is in their name, and Wells Fargo should be abe to see this information internally. So now, my interest rates have gone up because they assume I have not taken responsibility to make the tile change, and I'm late on a payment, when I have records to prove money has been deducted. They absolutely want me to call them before they can rectify this, well maybe I am only sending messages because I need everything documented at this point. This is the worst treatment I have ever seen a business do to a customer. I have EVERY document to prove I am not late, I have changed the title of my car to their name and I am being treated like I am irresponsible. The automatic payments keep reappearing and disappearing, I'm not sure why it's so difficult. We're in the year of 2011 and an automatic payment switch can't function correctly? That's absurd!

WELLS FARGO is guilty of is the practice of paying out the largest amount due 1st-- NOT BUY WHEN THE DUE AMOUNT COMES IN. This means if you have used your debit card to get small amounts like $3 even if there 10 or 20 debits they will take the large amount leaving your account to pay $35. [ think that is the current charge --each bank is different could be more in others] for every tiny amount you have paid out BEFORE you paid the big debit. This can lead to 100s OF DOLLARS IN DEBT! They were --or currently in court because of this--a class action lawsuit against them --by multiple people. This has happened before and banks are forced to return the monies they took. It can amount to MILLIONS OF DOLLARS. If they do it enough people that can be a huge profit.

SO----- no matter who you bank with always look at your statement--and if you see the larger amount that may have come in days later---go to the bank and demand they correct the billing so you only get maybe 1 or 2 charges.
Hopes this helps some one.

tis means if you have used your debit card to get small amounts like $3 even if there 10 or 20 debits they will take the large amount leaving your account to pay $35. per transaction[ think that is the current charge --each bank is different could be more in others] for every tiny amount you have paid out BEFORE you paid the big debit. This can lead to 100s OF DOLLARS IN DEBT! They were --or currently in court because of this--a class action lawsuit against them --by multiple people. This has happened before and banks are forced to return the monies they took. It can amount to MILLIONS OF DOLLARS. If they do it enough people that can be a huge profit.

SO----- no matter who you bank with always look at your statement--and if you see the larger amount that may have come in days later---go to the bank and demand they correct the billing so you only get maybe 1 or 2 charges.
Hopes this helps some one.

Can understand your feelings---but you did owe the bank. And should have been aware that they would take their owed due 1st chance possible. Even if you owed a private debt it would be the same. What WELLS FARGO is guilty of is the practice of paying out the largest amount due 1st-- NOT BUY WHEN THE DUE AMOUNT COMES IN. this means if you have used your debit card to get small amounts like $3 even if there 10 or 20 debits they will take the large amount leaving your account to pay $35. [ think that is the current charge --each bank is different could be more in others] for every tiny amount you have paid out BEFORE you paid the big debit. This can lead to 100s OF DOLLARS IN DEBT! They were --or currently in court because of this--a class action lawsuit against them --by multiple people. This has happened before and banks are forced to return the monies they took. It can amount to MILLIONS OF DOLLARS. If they do it enough people that can be a huge profit.

SO----- no matter who you bank with always look at your statement--and if you see the larger amount that may have come in days later---go to the bank and demand they correct the billing so you only get maybe 1 or 2 charges.
Hopes this helps some one.

On the morning of 1/29/2014 I paid my Verizon Bill of $50 online. In the afternoon of the same day, I checked my WF checking account and saw the $50 Verizon charge in Pending Transactions status. I took a screenshot and saved the file. On 1/30/2014 at 6PM PST, I checked my WF checking account and the $50 Pending charge is nowhere to be found, and my available balanced has increased by $50. I took a screenshot of that too! I checked my Verizon account and it shows paid. My cell phone works. Wells Fargo does this type of scam to all customers that fall under $100 balance on a month to month basis. It is their way to make money on overdraft / insufficient funds fees. Wells Fargo is hoping that most of us poor people are stupid and Hope we think we have more money than we really have. Obviously, it works or they would not do it! I have tracked this behavior for the last three months and every month my Verizon payment is there one day and gone the next. It can take up to 3-5 business days to post.

The problem is enrolling in "Overdraft Protection". Once this feature is in place, the bank approves all charges to your debit card, even if your account is overdrawn. When the account it is overdrawn by a debit card, maybe the customer isn't aware of an overdraw (it's easy to lose track of debit card transactions because there is no balance sheet). If there is a balance that does not cover the purchase, a debit card charge should be denied at point of purchase, ...unless you have "overdraft protection". Even if your balance is 1 cent or more in the red, with "overdraft protection" your debit card transaction will be approved and the next day you will find a bank service charges of $25.$35. for each time you use this card after overdraft occurs.
During the holidays, my Wells Fargo debit card was unknowingly over drafted (and approved for 3 Starbucks coffee ($4.75 each). The following morning I deposited $200. cash in the account. The flowing day, Wells Fargo deducted $35. for each cup of coffee ($105.) all because I signed up for "Overdraft Protection". If I didn't have "Overdraft Protection" in place, my card would have "denied" at the counter, and there would not have been any overdraft.
THE SOULUTION: DO NOT SIGN UP FOR "OVERDRAFT PROTECTION" ON YOUR DEBIT CARD PURCHASES.

They pulled the same scam on me - actually worse. I transferred money from my savings to my checking online just prior to paying a bill. On the 30th of the month - one day before I typically make a large deposit, they made an "overdraft transfer" for the amount that I paid and charged me $12.50 for the service. I had already made a transfer that they didn't credit to my account and then charged me an overdraft transfer fee. Additionally, they misreported my available balance so that it looked like I had available funds, but didn't.

I believe that Well Fargo is deliberately and knowingly engaging in a fraudulent scheme to cheat their customers. In my case, this had taken place once before, about a year ago, but I just brushed it off as my mistake. I personally have been very diligent in making sure I have a posted balance enough to cover any expenditures since that time.

Where is the FTC...?!?! I am sure that Wells Fargo is pulling the same scam on probably 100's or maybe 1000's of customers. They deliberately have their website setup to post incorrect information so that unsuspecting customers will overdraft and they can charge a fee. They also organize bank account transactions so that overdrafts are charged to an account prior to deposits.

I would like to see Wells Fargo investigated and their officers charged with colluding to defraud consumers. The authorities are not doing enough to protect consumers in this case.

People need to smarten up and start keeping minimal balances and using banks only when absolutely necessary. I advise putting all recurring charges on a credit card. If your credit is poor open a secured card and use it for everything.

No more overdraft fees. You build your credit and don't have to worry anymore.

As an added bonus you are afforded way more protection with a credit card account. If someone gets ahold of your info and uses it fraudulently the credit card company refunds you immediately. With banks like wells fargo you could be on the hook for the entire amount initially. Think about if a scammer got ahold of your checking account number and did 4 grand worth of charges. You would have to wait up to 60 days for them to investigate to MAYBE get your money back.

Screw banks.

^^^^same thing happened to me! banks are evil!

All large nationwide banks are scams. First, they caused our economic problems by INTENTIONALLY making mortgage loans they knew people couldn't pay. Then they took possession of the property, which they will sale to someone else for more than they originally charged, and since they had gobbled up every reputable bank they could, they extorted money from taxpayers because they were "too big to fail." To make up for profit shortfalls, they devised new ways to extract unreasonable fees from customers. In August 2009, for example, Consumer Reports stated that banks would make $32 BILLION on customer fees that year. They post checks and charges that come in before they post deposits, regardless of the chronological order that the events occurred. For example, U.S. Bank on Monday indicated in its online statement that a deposit had been made on Sunday and charges were made afterward. Tuesday, it had all been reversed to show the charges before the deposit. They charged the largest item first, which just the day before their own Web site acknowledged was purchased last, so that they could "bounce" six or seven smaller charges and charge me $35 per "overdraft" on money that had been deposited BEFORE the charges were made. They said that was their policy. To me, that's theft. It cost me $620 in overdraft fees for purchases made AFTER a deposit was made. It's safer to put your money in an open shoebox on the front lawn that to put it in one of the large, nationwide banks.

I am a Law Clerk a New York law firm, and I am responding to posts made by Wells Fargo auto customers who have been charged for Collateral Protection Insurance or CPI. Our law firm is currently investigating this type of conduct. Please contact me at your earliest convenience to discuss your experience. My phone number is [protected], Ext. 132, and my email is jamie.song@balestriere.net

Alliedw yous have taken money from my credit card with out my permission my name is Georgina Heurea I did not authorize for yous to take money from my account. So I want every penny every dollar you have taken an all my information you have of mine deleted. What you've had done is theft its against the law to take from someone's credit card and think you can get away with it. [censor]en should be a shame I have a family of 12 I struggle to feed every week and yous think yous can just help your self's to money that those not belong to you how [censor]en rude I'm really upset over what's happen to me thanks to you crooks. So I'm gonna leave my email here:olivemarieheurea@hotmai.com and I want confirmation back from yous

To whom it may concern, My name is Juan Serrano I noticed that you honorable company charge on my Credit Card for something I never ever sign.
Therefore, I want you kindly CANCEL this membership, STOP charge me on my Credit Card and REFUND me the amount of money you guys charge without my consent and Never Ever make further charges.
I want you to DELETE all my private information ASAP please.
I want you kindly to confirm by email that this joke is cancelled. jufransemo@hotmail.com
To my understanding the message above is clear enough about my petition.
Regards
Juan

I agre and I also had the same two charges on my acct. my bank is with Arvest bank. on 5/16 the same co
05/16/11 AlliedW.com1888London GB $57.61
05/16/11 AlliedW.com1888London $2.97 my bank said it was a charge from Great Britton. I was told they would charge the $2.97 first and then when that went they charged the $57.61. It was not a charge I did,
thank you Arvest for fixing this.

I am facing the same problem and i have not made any payments to anyone, not sure what to do now.

I been on my son's accout for 5 years now he is at BYU and we are at Wells fargo, there is no US government ruling Period! This lady is just trying to pas you on to another Cust service person so she does not to deal with you and your problem. They out sorce the cust. service dept to india and mexico! I have my duaghters account on my wifes and I'm on my wife's too plus we have 2 more accounts for bills and stuff. We banked at wells fargo for 20 years now!

Why would you not witness the inspection? On any leased vehicle you are required to return it with good tires, no maintainence due, and everything in good condition.

After not even a year my transmission and motor mounts went out. Long story short it was in shop for at least 6 mths. I never received a letter of repossession and less than a week after I got it out they repoed it

I have never dealt with such inadequacies until I had the misfortune to speak with Wells Fargo Dealer Services. Wells Fargo boasts about “established in 1852, re–established in 2018” what a farce – deceiving the consumer.

I have provided proof of auto insurance numerous times, faxed over the info myself to the fax number given and they still don't have it.
My auto insurance company The Hartford has also done it. My car insurance has never lapsed!

Now I am being charged $870 for them to provide me insurance!

What a scam! I have called, complained and they don't care!

Hi Everyone! I know so many of you have had experiences with Wellsfargo so I wanted to ask if any of you had advise for us...they are saying we are up for repossession because we're behind 2 payments. They were supposed to defer one of these and they didn't. Needless to say we are trying to make right and get caught up on this payment, but they are saying they will not except anything but a Western Union payment of the full past due of $1663.54...which is the 2 late payments and July's payment. The question is...can they really refuse a payment via mail or walk in to the bank for a partial amount? I called back and told a white lie that we had already mailed in a money order and the guy changed his story from 'we can't accept it' to 'we can't stop any procedures.' ANY THOUGHTS?

I'm just wanting to know
if you don't make payments will it be in the collection agency? if so why come if your threatening someone if you can't make payment your car will be repo I have to deal with Chris and he is soooo rude its like don't bother to ask him favoRS or a day late

Husband got laid off first of the year. Called them the next day to see what we could do to lower payments until he found another job, because we we're below 7, 500 on the car loan they wouldn't work with lower payments. We went 4 months paying a little more than half the payment and on time when the car got repo. After we got the car back asked if they could lower payments so it wouldn't happen again because husband is still unemployed said if we tried earlier something might have been done. Would never use them again or recommend them. Services reps were also rude!

Beware! I was 60 days late on my car payments after making timely monthly payments for 3 years. Wells Fargo repossessed my car, did not send any notices about when/where my vehicle would be sold and what the deficiency was after selling it. I did recieve something saying that the car was "PAID IN FULL". 3 years later, I get a summons from civil court from AutoVest LLC, who had bought my contract from Wells Fargo and was suing me for over $36000 for the deficiency and late fees. AutoVest never contacted me to let me know that they had an account for me, instead sat on this acocunt and let it collect fees. We are now in court, going to trial because I refuse to pay for a car that WF did not handle the repo correctly (not sending notices of date, time, place of sell and deficiency amount). Unfortunately, I disposed of the original contract after I got the paid in full notice but I did keep the POF letter. Beware! Keep meticulous records. They are scammers!

I got a knock on the door at 3am to find my truck hooked up to a tow truck. Spent a few hours sifting through old statements to see if some extraneous charges were ever removed. I typically dont have any need to look at my statements as I pay on time electronically. They started charging me for Insurance 3 years into a loan stating that I didnt have current insurance. I also auto pay my insurance. I provided them with insurance proof showing that it had never lapsed and they agreed to remove the charge... Well they didnt. If fact they doubled it and charged me late fees putting me behind over $1000. So now I have to kick down 1200 bucks to get my truck back (in 3 days) pay tow storage fees, and get them to finally remove the late charges and fraudulent imposed insurance charges. I seriously hope they all get AIDS and lose their insurance.

I have had wells fargo dealer sercices for four years. Im late for 48 days but called them and told them my situation and I will pay them the full amount in two weeks when i get paid. They told me that im always going through a hardship and good luck with that and hung the phone up. I spoke to three reps and they were all rude. Now the repo lady was threating to pick up the car. I told her that i have been with them for a long time give me a break..she didnot want to hear it. They call my job...family...and friends and my cell a hundred times a day.cann somebody help me find out information so i can file a compliant. Im tired ofthem im going to trade my car in to get away from them.
Horibble wells fargo will never recommend them to anyone.

I have been dealing with Wachovia Bank now changed to(Wells Fargo dealers services) for awhile, and I must say they are the rudest people I have ever seen in my life. I owe $2700 on my car and I'm done with them. I called because I was behind in my payments. I asked if I could set up two payments and they refused the payment and told me that if I didn't pay the $2700 up front, my car would be repro. The repo department was VERY RUDE. I have lost my job and had to pay for my father's funeral arrangements. I was not calling to ask if they would pay the $2700 for me, I'm aware it was late I just wanted to get this over and done with. I called several times in one day. I spoke to Jamie who was very rude and I had spoken to her several times she claim she never spoke to me what a liar. I don't care about the car I don't want ths on my credit report. I have had RUDE people calling and harrassing me and even hang up the phone when they called. I'm going to record every phone call because it should be a law againist harrassement. I wasn't calling to get compassion from these people because I know I wasn't going to get it. Only one agent James said sorry for your loss. My car was suppose to be paid in Austust and it is now December I have been paying every month i just didn't pay the car off in August. Now there repossessing the car. I pray they don't but if they do I hope they don't go through what I have been through. Lights out, kids hungry and no heat in the house and the passing of my father. Thank Wells Fargo.

I put $10,000 in my savings. Had a mild stroke and never touched my money. It was an emergency fund. After recovering from my medical problem. I was in the bank with my mom. So I got an unction to check my account. I was told I had no money. After months of reviewing bank statements and calling customer service. They blamed me for withdrawing from the atm. Never got my money back

-I had an account at wells fargo for 9 months. It was one of those second chance accounts with a lot of restrictions.
In that period I had one overdraft that I paid for and was in good standings. It was a large deposit and would have taken 1
week to clear. I talked to a banker about getting off of probation and stepping up to a regular account. He got on his computer and
exclaimed " yes you can open a regular account at this time, congratulations ! ( I'm serious ). He said all we need to do is get the check back that I
deposited and open the new account with the required savings account to go with it. He closed out my old account deactivated my ATM
card and opened the new accounts. With this new set up the funds from my deposit would be available in 2 days. 2 days later I return to the bank
a different branch with my checkbook and my drivers license. I explain that I don't have an ATM card yet and that was no problem. I withdrew 1000 and transfered 3k into my landlord's account, No problem . 2 days later I return to the bank for money to pay back my friend for
using his ATM card to purchase 49ers tickets. It was all the money he had and it was already spoken for.. I assured him that I had him covered
and wouldn't hang him out to dry. This time the teller says thay can't let me have money without 2 forms of ID. I told her I was here 2 days ago with only 1 form of ID without any issues. If nothing else you would think they could check my signature to validate my identity since my CDL
wasn't good enough for their tight security. Now they say there is some other problem with your account why don't you go sit down with the
banker while she figures out what's going on. After a conversation she had with "them" she reported to me that they have put a hold on my account and would have to call an 800 # for some explanation
I said no I will go talk directly to the banker that opened the account. He said that loss prevention found something on checksum or some reporting co. and they had an issue with my social security number (even though it was my debt they found with that number. I said this is ridiculous just give me my money back and I will take my business elsewhere. Nope sorry there is a 10 day hold on both accounts and after that period they will mail a cashiers check to the address on the accounts. Even though they were concerned about my identity enough to hold my money but apparently after 10 days they don't care who they mail a check to. I said I need that money it's every penny I have to my name.
I'll get my social security card and that should clear up any doubt. That is not good enough for them, they want me to go to social security and get a note from them stating that the number is indeed mine. I said how in the hell are they going to know who I am anymore than you do you must be joking. I am still waiting out the sentence on my moneys jail time. I told them that if they can mail me a cashiers check they can just as easily give me the cash I'm not going to wait another 2 weeks for the check in the mail routine. I'm not going to go into all the problems I have had and how much this is going to cost me when it's all said and done. I could be starving to death for all they know and the fact is that they just don't give a f---k about me or my welfare. I have an urge to go down and protest the injustice in front of the bank and exercise my freedom of speech, which is about the only thing I can afford right now. Thanks Wells Fargo you giant A holes