This is seriously the WORST bank i have EVER in my lifetime had the displeasure of joining. They have the most ridiculous fees. For example the $10 fee for moving some money from my savings to my checking account. And the overdraft thing. In citibank they text you or get you a message when your account overdrafts (i didn't really use this account it was just an extra account) and with Wellsfargo my account overdrafted when they charged the $12 monthly charge fee, so i didn't find out till nearly a week after it overdrafted and i had already accumulated a -$102.68 overdraft amount on my account. It was $35.00 twice and than $5.00 a day for unpaid overdraft. I'm so insanely mad at the moment that i wasn't sent any notification till now. Hard times and i can't be getting fees like this. I'm closing my account here, they are so unhelpful. It's been a stressful time with this bank. I don't recommend it to anyone, crazy bad service and being stuck on hold when you call up for over 15 minutes was not by idea of a fun weekend. If there was a choice on here, they would not even get ONE star! DO NOT JOIN WELLSFARGO!!! Bunch of money hungry unhelpful idiots!!

The service at Wells Fargo sucks! My father passed away November 2008 and I have been trying to close his account since then. Every time I go to the branch to close the account I need another form, piece of paper or death certificate. I have produced a ream of paper and numerous death certificates and the documentation from the court appointing me personal representative and I still can't close the account. All other banks and credit unions have been most helpful through this difficult process but Wells Fargo has been nothing but horrible protecting $3,000 all the while charging $12 each month to maintain an account I have no access to. I will never bank with Wells Fargo or Wachovia and will probably lose the $3,000 to monthly service fees the way things seem to be going. If you bank with or are thinking about banking with Wells Fargo I would suggest you chose another more service oriented banking institution. Wells Fargo sucks!

I absolutely hate Wells Fargo! We have been trying to have them help us with our morgage since April. They only reaseon we need help is because my boyfriend (who I live with) got laid off from his job because there was no work. We have summitted the same information to these people 3 different times and they keep telling us that its being reviewed and there is no answer yet. They also say that it is first come first serve. We have been waiting almost 4 months. The only reason that we are behind is because we called them and asked them if we could make a partial payment. A couple of days later we called them to pay over the phone and they told us that the partial wasn't good enough and that it had to be paid if full. That infomation put us behind by 1 month. They are sending forclosure notices but when we call they say we should have and answer. According to them we should have had an answer 3 weeks ago. We are struggling and these people have no care in the world about it. I am lost and have no idea on what to do. This is my first house it is supposed to be exciting but instead its all stress and neditivity because there is no help coming from my morgage company. If someone has advise or has been in this situation please comment and tell me the best thing to do.

I tried to set up a WellsTrade Account to roll over my 401K into an IRA. After two weeks of agony and tears I still do not have it set up. I am really disappointed because a really wanted to be able to take advantage of WellsTrade's free ETF trades. But trying to sign up has been so painful i will gladly pay handsomely to vanguard or another outfit to avoid any further pain from Wells Fargo.

Two weeks ago I spent about 3 hours online trying to navigate Wells Fargo's impossibly confusing website and after reading dozens of documents and webpages finally completed application for the WellsTrade account and PMA linked Checking & Savings accounts.

But for Wellstrade that is not enough - had to wait for them to send me a bunch more documents in the mail - which I finally received yesterday- another 2 hours of reading & document signing.

Finally having my account number and password to go online - I can see checking and savings - but no Wellstrade account! After calling Wells Fargo they were able to get my brokerage account on screen...

but it just says "brokerage" - no indication if it is correctly the "wellstrade IRA" type of account I was trying to sign up for. The brokerage screen did have a link to 'retirement planning" so followed that - then it asks me to sign on (which is strange since I was signed on already)- but my logon (which just worked an hour ago) no longer works! The logon screen gave me a number to call with difficulties logging on so I called that number...

After speaking with the Wells Fargo rep for a few minutes we determined that he was in the wrong department to help me with a wellstrade IRA, so transferred me to another department....

After speaking with another Wells Fargo rep for a few minutes she indicated that she had nothing to do with wellstrade IRA and transferred be to another number.....

That number led me to a computerized set of options - none of which had anything to do with my problem - and no option to actually speak with a real person.....

No now I am done. i can't take it anymore. I will now attempt to close the brokerage, savings and checking account I just opened and hope closing the accounts is not as painful as trying to set them up in the first place!

Doocy@wellsfargo is a Liar. He needs to be sent back for ethics training. Its either that or he's completely uninformed about his job. I think he makes it up as he goes along. Never talk to them on the phone. Only deal in writting. Either way he shouldn't be dealing with customers unless its WellFargo policy to screw the customer anyway they can. Ive had car dealers and telemarketers that where more forthrite than this guy. I will never use or recomend Well Fargo to anyone and I will tell my story to anyone that will listen. I will pull my business out of there as fast as I'm able which will be far too long because they are just plain stupid at WellsFargo.
I WAS FORCED TO GIVE A STAR, NOT DESEARVING. NEEDS THE FINGER

Once I had money. $ 800,000 plus and put it in WF. Thanks to WF Investments, I lost hundreds of thousands...
Today I m on Social Security and barely make it month to month. I transfer money from my small savings to my checking to pay bills.
WF charged me $10 because I had excessive withdrawls.
I went nuts!.
Never been charged before today. When I had the 800K, WF sucked on me like a whore. Today they pissed on me. I m done.
Closed my savings but need to keep open my checking until I can make arrangements to have another bank handle my money.
I will never recommend Wells Fargo..PERIOD....
S. Weston
notsew_evets@frontiernet.net

Wellsfargo has some of the worst service I have seen. Shortly after refinancing our home we received in the mail a package with our social security and other confidential information. The envelope was clearly marked from Wellsfargo and was not sealed. It could have been opened by anyone who had contact with the package. I called the mortgage officer we had worked with on the loan. At first he seemed interested. I sent him a copy of the document I had received (I did black out the confidential information). The only thing I asked for was to have Wellsfargo monitor my credit for a few months. I was told that my request sounded reasonable. I never heard back from him and he would not return my emails or phone calls. I contacted his boss by telephone. She was aware of my situation and said she would get back with me. That was 13 days ago and I haven’t heard a thing. I would never use them again. The document never should have been sent in the packet I received. It makes me wonder how careful Wellsfargo is with my information.

Well, so far, they haven't stolen my money.....

I used to bank with WF and left after they confused my mother's account with mine not once but twice. The first time, they deposited a check into her account instead of mine. The second time, on the phone, they made changes to her account, and then refused to reverse the changes because I couldn't give them her account number.

Now, my Mom has died, and they won't give me a straight answer about what is needed to transfer the accounts to my name. One guy at one branch took a copy of the death certificate, asked a few questions and swore he'd "take care of everything."

Three weeks later, another acct rep at another branch could find no evidence that anything had been done; we started over. She wanted to keep the certified death certificate, and wanted letters testamentary (court instructions, after proving the will), which no one had even mentioned.

Called on the phone this morning, and was told, "you have to go to a branch for all business associated with a trust account."

Sounds like I need to open the estate account at UFCU, my credit union.

2009 and Wells Fargo is still as bad as ever. I have a Auto loan , I called them to see if I could get a late fee waived. ( that was my fault I lost my job, father died, bad car accident, basically life happened) after being transferred more than 5 times I spoke to a man that told me to write a hardship letter and fax it. Then he told me if I make a payment with him right now it would look really good and help me get the late payments fee waived. It was the 13th of the month and my payment was due 23. I asked him was there a fee and he said yes, but would waive it. I told him if the fee was waived I would make the payment. So when I looked at my bank statement on the 23 it was short by $10 I knew were to look. I have been told by two supervisors that if I could pay the car payment I should be able to pay $10.00 / they told me I did ok the charge and to stop complaining/ , and if that was not enough then the guy asked me how did I want to pay the late charges...Are you kidding me..REALLY..I gave him my account number ..123..when hell freezes over..and put a little something extra for him too.. What have I learned ...If I don't have the money in the bank I can't buy it EVER....and to get a new car loan with USAA my new Credit Union.. Thanks for listening

I've been a customer with Wells Fargo since I was a child (opening a savings account with my mom), and have had them as my bank for a total of 20 years. I opened a joint checking with my husband last year, and things have been pretty smooth. That is, until WF decided to credit our account with my husband's paycheck on the 2nd of the month, only to put a hold on the paycheck for "investigation" 5 days later. A little background--his boss banks with Colonial, and the week prior to payday someone had stolen the boss's bank account number and was writing checks on the account. The boss put a hold on the account to prevent further fraud; HOWEVER gave the bank a list of checks that were authorized to pay (which included my husband's paycheck). Colonial stated that the checks should be paid, and if there were any questions, the other banks should call to verify funds. WF did not do this. Instead, they credited our account, allowed our rent check to be cashed by our landlord based on the credit, then overdrafted our account by $850 by putting a hold on the deposit--5 DAYS LATER! Colonial has faxed a letter to WF Loss Prevention stating that the check has been cleared from their account (meaning Colonial doesn't have the money - WF does), but WF is denying they even have the funds. Well, where did the $1400 deposit go?? We should have a balance of $500 in our account to get us through to the next payday; but instead we're overdrawn thanks to WF dragging their feet to get this resolved. Not to mention that today is Friday, we're going into the weekend, and have no money to buy groceries to feed ourselves.

When I spoke to Loss Prevention yesterday, they stated they got the letter from Colonial; however it was missing the statement of the date the check cleared on Colonial's side. I spoke to Colonial today and when they read me the first sentence, it stated that exact information. I called Loss Prevention back to ask if there's possibly any other information they needed (because the letter already stated what they asked for), and I simply got a rude response stating that until they got the information that they requested from Colonial they would not release our funds to us. They couldn't even look at the letter they originally rec'd from Colonial because they destroyed in, but they were able to "note" in their system that the letter was "inadiquate." It's frustrating to know, that as a customer, I'm trying to help WF by getting the information they need, but WF can't/won't let me know WHAT information they need. I know they have the $1400 sitting in an account (other than ours) for as long as they possibly can to be able to collect the interest on it. They're greedy, unhelpful, and rude. Colonial has been nothing but helpful, and as soon as we get our money that we are owed, we're closing our account and moving to Colonial.

Watch out! Don't sign up for Wells Fargo ON-LINE SERVICES. Customer service is not helpful and you can get screwed. Watch out! Here is what happened to me. When transfering my pension to Wells Fargo on-line investment account, I kept being bugged about transfering to on-line statements. I must have clicked yes at some time and confirmed it not thinking about all the ramifications.

Well, my wife pays all the bills. She uses Wells Fargo online to pay but collects our bills physically in a stack. Well, she lost track of my Wells Fargo Visa. Wells Fargo notified us in my on-line messaging on their server. I had never used that messaging and didn't even know what it was about. So Wells Fargo was posting a message to their own server in something I never used and claiming I was notified.

Well, my card went from 6.9% interest for years to 26.7% within a month. They shut down my card. They trashed my credit rating. I called to pursue it and customer service kept saying it was my fault. Now my wife and I screwed up. But Wells Fargo communication sucks. They say they called, but they never did. I talked with my wife repeatedly about this. She says she would have picked it up if it said Wells Fargo. They never left voice mail. The never sent me a physical letter.

So, I guess it is my fault. I'm moving my pension, my checking, my savings and my other investment accounts. I won't do business with Wells Fargo. I just paid off the Visa two months after being told about the issues. I never had a card closed before or any similar issues. My wife and I may not always be the most organized, but Wells Fargo hosed us!

In January 2009, when mortgage interest rates fell down to 4.875%, I decided to refinance my existing home mortgage and had contacted my Wells Fargo mortgage banker. He gave me a free 3 month rate lock and charged me half a percentage point refundable at closing plus the appraisal fee $350. This was the same mortgage banker who did an excellent job four months earlier assisting me in buying my first home. Therefore, I knew and trusted this banker. My appraisal happened quickly and even though my house lost fifteen grand in value within a mere four months I still had enough equity for it not to be an instrumental problem. The rest of the paper work took another month to complete and by the mid of February everything seemed to be in order. I received a commitment letter from Wells Fargo and started waiting for the closing date calling in once a week just to remind them that I’m still out there waiting.


After the passing of one month, there was still no news on the closing. Anytime I called or emailed I was hearing a repetitive story about waiting for CEMA. Apparently, it is some kind of mysterious entity that not even my mortgage banker can get through. I should tell you that I tried calling Wells Fargo customer service hoping to get a better result but after 20 minutes holding and being transferred from one customer representative to another, I ended up backtracking to my starting point.

My mortgage banker told me that Wells Fargo receives 9000 refinancing requests per day and their system is designed to handle only 1100 so they cannot keep up with the demand. In addition the bank is tightening up there credit standards therefore their employees must undergo additional training and learn new procedures which further increases the wait time. Meanwhile my rate lock has expired and my appraisal and credit check will expire soon and there is nothing I can do but wait and hope that Wells Fargo doesn’t screw me up. So be careful with paying them refundable points upfront because you will loose the flexibility to walk away.

My opinion is more for the person who responded about WFB sucking.

First i would love to know where you heard that WFB takes debits before credits? Honestly, that was a bold face lie, you have no proof that they do that. In regards to charging $10 for overdraft protection.... if I'm dumb enough to spend more that what is in my account, i would rather be charged $10 ONCE per day than $35 per overdraft. If you overdraft once, it saves you $25, if you go over 3 times it saves you $95. So again, if i'm dumb enough to spend more than what's in my account, by all means charge me the $10 and save me the rest, thank you Wells Fargo!!!!! BTW, how can they do the math incorrectly, it's a friggin computer that does the math, so blame the computer.

You use the word pickpocket..... which to me means hidden, or taking without your knowledge..... WFB has disclosures that, BY LAW, they have to provide and they do, so people like yourself have no excuses when being charged a fee, but yet you are all over them about charging you fees that you say you don't know about, Hmm.

that $12 fee? it's called a monthly service fee, and they have a very nice way of saving you from acquiring them, AND, they DO show up on your monthly statements, you just have to actually read your statements. PLUS, there is a level of responsibility on YOUR part, if you see a fee, go in and talk to them about it, they will always take care of it, or help you so that you do not acquire another.

all in all, you had a bad experience, and i'm sorry to hear that, i have them too. Seriously, I don't see any need to bash the bank that is the only AAA rated bank in the US, voted the strongest bank in the US, actually made a profit last year so when John Stumpf walked into Congress about 2 months ago was able to say "Hey, we made a profit, we're ok", doesn't owe the Gov't any money cuz they didn't have to borrow any.

So hate who you want to, but understand WFB is a very highly reputable bank.

This bank sucks period. There are huge inconsistencies between Arizona and California even, customer service, excuses etc. Basically it come down to this, just like a lot of other major banks trying to nickle and dime you, they process the debits before credits (gee hence they make more money this way, more overdraft) even if you have overdraft protection, yes it will prevent that 35 dollar fee, but you're still paying 10 dollars for a transfer from your savings to your checking, when your checking account balance is tanked. Anyways I remember going up to the teller to figure out why money that was deposited wasnt showing up.

There was a misconception, these idiots didnt do their addition right, I had added it the night before and wrote it down, I showed the piece of paper to the banker, low and behold I was right when he actually busted out a calculator, and what was interesting was this stupid fuckin 12 dollar fee was sneaked in there good thing they reversed it, of course it didnt show up on my online statements. Ok I went in there to make a deposit, so I found out this bullshit in the mash, spending like a half hour, holding up the line, while being sorted out. Eventually I went to the banker to get my savings account re-opened for the overdraft protection.

Ok get this, you're gonna love this - while i was waiting for the banker, when he gives the teller to swipe my card, somewhere along the line the teller loses my debit card, they cannot find it anywhere, they gave me a temporary completely useless for what i was trying to do to get gifts online for christmas, if they're "losing" your debit cards, it makes you wonder what else they're losing and not keeping track of, first they cant add, now they lose my debit card.. and another instance when my debit card actually did go missing it took them 7 days to shut it off, I mean their antics just go on and on witholding a credit deposit waiting, I mean waiting for a debit to show up so they can tack on an overdraft fee, now it doesnt take 7 days to credit a simple cash deposit... wtf? that's like what i'd expect for a check, hell it shouldnt even be that long, especially NOT CASH! three hundred dollars cash for an online purchase, that doesnt seem like much to ask.

Anyways I dont believe a pretty smile and a wink is enough to forgive them, because in reality they're like a gypsy a cute smile in front of you, while they pickpocket you from behind, Either way like every other large bank, they're out to get your money, they arent rudest bank ive come across they dont really use the asshole approach like for example US bank, but their scams and sneaky antics can really piss you off over time eventually you're short fused with these people, the lack of knowing what they're doing, they cant seem to add, losing debit cards, its really a joke and a pain in the ass... I was always careful and checked my account online frequently and added appropriate expenses, but I still got zapped hundreds of dollars out of these fuckers, so I took my business to a local credit union.

Shitty bank, cute faces for tellers, but their greed pickpockets you silently.

I would rate them even lower if they had a negtive stars system first of all !Can you imagine paying WF every month on time plus adding some to the principle?Than I paid off my mortgage 11 years early in todays economy !I was so happy to be living in a debt free home and then it began with WF.After 3 phone call talking to the servicing rep in the customer service dept each time "I'll put it in the mail you should get it in 10 days" I still had not recieved a copy of conformation of LOAN PAYOFF,but I did rcvd a letter stating "yes, a satisfaction was recorded in your county courthouse 2 months ago" 5 MONTHS after I paid the home off.STILL NO LOAN PAY OFF LETTER FRM WF.So I gave it one more shot and talked to the supervisor,explain everything to him <he was polite and said he'd call me back in 5-10 min well I waited for a little over an hour an called & left a message informing him I was still waiting for that 5-10 min call back.HE called me back & stated it was taken care of & overnighted to me.MY heart jumped for joy WOW a supervisor who did something & I'll get my WF letter stating my home is free & clear of debt!!!Can you imagine my surprize when I opened the overnighter and found a copy of my original mortgage agreement that I signed at closing when I bought the home the exact same thing my lawyer gave me & I had at home.It also included a nice cover letter frm the customer service dept stating " thank you for giving us the opportunity to provide extra service to a valued customer"At this time it was 6 months after I paid my WF mortgage off,I called back the supervisor ,left a message to call back PLEASE no call back all day so tommorrow I'll drive to my county courthouse & get a copy of the copy "stating my home is now free & clear of WELLS FARGO" as I will be FOR THE REST OF MY LIFE.No wonder financiaL institutations are falling apart today.

Though my situation is RESTARTED it is still very embarrassing for me! A few years ago I ended up moving into a bad situation with a girl who ended up working for Wells Fargo. I ended up living in the apt for only 2 months because it was THAT bad! Anyways YEARS later I see that girl, Kristy, walk into her car and drive away. I was sitting in the car with a friends waiting for another friend who banks there. I was talking with my friend in the car while waiting for my other friend to come out. When my other friend was finally finished she asked me, "Hey did you get out of the car and talk to anyone?" I said no I was in the car the whole time. Then my friend, who was in the bank, began to tell me that some teller, names Sasha, was talking to her about ME. I said what was she talking about? My friend just told me how Sasha was going on about ME, and wanted to know how my friend knew me. About a half hour after that incident I decided to complain to the branch manager about her tellers unprofessional behavior. The manager quickly started talking over me and then told me that the Kirsty girl already called the branch manager and accused me of getting out of the car to harass Kirsty. I was also accused of calling this Kristy girl and apparently I harassed her over the phone as well. Regardless how silly this situation is, I'm embarrassed! Regardless of what happened in the past Kristy needs to get over me deciding to leave! I do not know this girl, or sasha, and Kristy, Sasha, and the branch manager all need to learn how to handle themselves in a professional environment!

Another time, this last December, I was sat down by one of the branch sales people (I needed to cash a check through Wells Fargo and to do anything there you have to sit down with a salesman). She was trying to sell me an account with Wells Fargo which I denied. I ended up HAVING to listen to this woman, doing what I came in to do, and I left. I ended up needing to go back inside really fast for something and overheard that very woman telling other employees about how she KNEW I was trouble!
Well lady sorry I'm not interested in your free plush pony! GET OVER IT lady and be lucky you still even work there!

After my experiences at Wells Fargo I'm VERY sure that I will NEVER walk into another one of those banks again! Seeing how their employees act I'm interested in banking with people who are professionals who I can trust with my accounts!

I've been trying to get a loan mod now since back in November 08 to try and save my home, and you wouldn't believe the crap I've been told. I've had some things happen to where my income has decreased, and when I get letters from them saying "We can help", I call them, and that's when the problems start. I've been told by their Customer Service idiots to: "Get a roommate", "Get another job", "Turn your house in, you can't afford it", "You've got no choice but to short sell". Now is that the kind of help you should get from a bank? NO!!! I think I've talked to 20 different people, as you never get the same person twice when you call them, and they act like they want to help you, but they don't. My home is now in foreclosure, but it's not like I've not made the effort to try and work with them.

They did a loan mod for my brother, no questions asked, and dropped his house payment by over $300 a month! I found out that they were the recipient of some of that bail out money, was planning on taking a big trip to Las Vegas for what, 12 days?, but yet that money was supposed to go to help the struggling homeowners. Hmmmmmm, who's home are they helping? Theirs?

Completely unprofessional representatives in my opinion to say something like what they have said to me. I pulled my checking account from them, and now I'm just waiting to see when my last day in my home is. I've dealt with nothing but rude, inconsiderate, uncaring representatives from the get go, and part of it is due to the fact that they're a mega bank that could care less about their "customers". But yet they claim that they value your satisfaction. Yeah right.

Beware of Wells Fargo at all costs, they seem great to work with in the beginning, but they turn on you in a heartbeat and don't want to work with you for anything. One of the worst banks I've ever had to deal with for anything! If I could give them negative stars for their service, I would give them a -1000!!!

Worst Bank of all, are takiers, not givers., poor business practice, Horrible customer service, High Fees, Hidden Charges, too big- never talk to the same person, untrained bankers
The worst customer service on the planet. I have a mortgage with Wells Fargo that I have been trying to refi thru this office for month now. I have been dealing with loan officer Lesly Dimance, I initially applied for the loan 12/03 and supplied all requested documents, the appraiser came in a few days later and completed the appraisal, since then nothing was happening, I called the loan officer several times at his desk/cell phone no call backs, caller his manager Jason Lerner who assured me everything was going fine "just waiting on closing date" "we're really busy now, there is a backlog...." "do not worry..." on 01/09 I was shocked to get a letter stating that my loan application was cancelled because it was missing incomplete, I called the loan officer and his manager probably a 100 times before I got a call back, now the loan officer is saying that they messed up (blamed it on his secratary) becuase there was a form that they did not include in the file when it was sent to underwriting but that the problem was rectified, I also learnt that even though I had asked for my rate to be locked at 5.00% it was actually never locked, the loan officer also told me at some point that nothing was missing in my file but because Wells Fargo is so busy with applications they could not meet their legal obligations to decision a loan within 30 days and therefore they are just canelling the loans in the system and re-assigning a new loan number/app#. Anyway, been waiting again since 1/9 on this new loan now, been calling both the officer and his manager desk phones and cell phones no answer at all. This is more like a nightmare dealing with Well Fargo, I have to call their underwriting or corp office and beg for info on my credit app before someone tells me oh you need this and that, need updated statements....and they all seems surprised my loan officer has not told me....sometimes they just tell me to call my loan officer....at this point I am still waiting...I honestly think that Wells does not want to refi my loan at 5% because my current loan with them is at 7% and they just want me to give up. If someone out there is versed into Credit Laws pls let me know if there is anything I can do because I do not think this is fair credit, at the same time I am trying to explore getting out of Wells all together. Thanks for reading and please please stay away from this company, I remember when I initially had purchased the house in 2007 Wells Fargo sucked big time but what can you do, in order to get the builder incentives I had to deal with them. I would ABSOLUTELY not recommend Wells Fargo to anyone.

My own experience with Wells Fargo has been beyond horrible. After bouncing a few small checks in my small business account, WF would repeartedly hold deposits, frequently in the thousands of dollors, for 9 working days, claiming that it was neccesary to protect themselvs. I have been lied to when an assistant manager at the Portland, Oregon Hollwood branch told me that it took that amount of time to recieve funds from other banks , and then cheated, when after confirming that WF had recieved funds within two working days, they continued to hold those funds, without allowing me access to my money, or paying interest while they used there funds to their own benifit.
Over months, this practice caused critical cash flow issues, and ultimatly was the main reason for the failure of that business. Wells Fargo would create situations where they could manipulate deposits to cause overdrafts and then use these to enrich themselvs.
Since that time, I was forced to renegociate my home loan with WF. I was also going through a two year battle with cancer and a broken vertebra. Because of situations that they did much to create, they would only negociate an ARM.
Finally, after being assured by a member of their loss prevention division that we were engaged it renegotiation of my loan, and that no imeadiate action would be taken, WF sold my home from underneath me 2WEEKS BEFORE CHRISTMAS, 2008. Well, what do you expect from WF? This is so typical of the predatory natue of WF towards its customers.

I'm not one to bitch since, I don't believe it actually provides any results.

I just don't like using them, and sadly must since they're just as bad as bank of america and they're the only 2 nationwide banks in Albuqueruque, NM.

Either way

I've heard key bank has really good reviews, so if you can stay far away from wells fargo.

I was really happy with Wells Fargo untill they cleaned out my entire savings account because of a mistake someone else made. I know it is legal and all of that but morals are something a business should have as well. One day I checked my account balances and I saw that my savings account had only $1.19 in it. Over $3,000 was taken out of my account. I called the bank immediately and was told they would investigate it and get back to me within 5 business days. I waited for almost a week with no reply and no money since I had just transferred most of my checking account into my savings a week before the money was taken out.

After calling to check the status of my claim and an hour and a half getting transferred around 7 times, hung up on , and was treated so poorly by one man it brought me to tears they could finally tell me money was taken out of my account by the bank itself but would not tell me why or where. The last man I talked to refused to give me his supervisor and his name.

Come to find out because my mothers name was on my account and she didn't know they took the money out of my account to pay on her loan because she had closed her accounts with them months ago. I am an 18 year old who worked for years to save up that much money since I am going to college in a few months and they won't do anyting to help me. I tried to explain to them that none of the money in the account his my mothers but she had to be with me when I started it because I was still a minor. Also because I work for the state taxes are not taken out of my paychecks but I have to pay in instead and I now have no money to pay my taxes.

I received an item in the mail. There is a class action suit for all of the overdraft fees and they way they manipulate their system by posting debit card transactions by charging the largest amount first instead of posting based on the transaction time. I will post the web site address later.

I used to throw class action suit paperwork away but I started paying attention and actually completing anything that needs completing and I have received a few checks.

Wells Fargo has a culture of internally focused, 'who cares about the customer' zombies who really don't want to be there working for them.

They doubled the interst rate on my credit card recently and when asked why said " we are doing this to many of our cusotmers--we're just trying to stay in business in these hard times."

Brilliant strategy--I'm sure I'll hurry out to use their card & carry a balance when I will be expected to pay WF more than twice what I'm being charged with BofA, Chase and Citibank.

The free market system needs to let companies like this go under--no bail out, no prop up, nothing. If they can't compete, bury them. This consumer will be happy to supply the shovel.

You know a company has to be an absolute train wreck when they get a 1 star rating. Well, this Wells Fargo doesn't disappoint.

I felt ripped-off by the person who opened my account for me. I was promised a free Personal Savings Account as long as I maintain my minimum and I have been banking here for over 6 months now and I have maintained my minimum, but they still charge me the monthly fee.

An absolute rip-off!

I know how protected their customers can trust their banking needs.I have paperwork showing how protected my husband's father was from his stepchildren.Although his money hungry stepfamily ended with his funds, he had dementia and Alzheimers at the end,they were withdrawing $300.00 a day plus writing checks for spousal child support and anything you can think of they needed.We were able to pull records for 2 years and it showed it all.Supposedly my husbands father( with dementia,alzheimers,and he couldn't walk )was able to open a check debit card while in nursing home according to the bank.We didn't fight for anything-he named his step granddaughter executrix,he was already showing signs of dementia when will was drawn.Watch out for those evil stepchildren,especially if they have a relative working in the bank. Although not all stepchildren are bad, these with the bank included were,they used up most of the funds and their mother-my husbands stepmother had diverted all funds from CDS to her granddaughters account,just in case the will was not good enough.It was a sad case to know this bank didn't protect him.And when it was brought to their attention, they pretended to want to help.I told my husband long as we made sure his dad receuved a proper burial-this was the main goal.We spent money trying to protect this man,damage was already done with the daily $300.00 withdrawals and $800 checks for child support to one of the stepsons ex-wife,not to mention big grocery checks.All done while this man was in nursing home and couldn't talk or walk.This man was left in nursing home by stepchildren or put in there during holidays, so they wouldn't have to deal with him.Sad isn't it?Watch out for your parents.We came in but-$90,000 plus CDs had already been moved from different accounts, not just this bank,but alot of other banks.At this point, who can you trust? And they are quick to take out a $35.00 overdraft fee, but not able to see,or let us say will close their eyes to what they know is going on in their banking system as long as it benefits their system.Watch out and check into your parents accounts.

This organization is full of morons. They call you and then ask for your loan number. First this is risky to give out second I do not carry t with me. I return the call after verifying the number they pull me up but cant find one of the needed accts. They transfer me to another division to find it. I get an automated voice telling me I need to enter an account number to speak with some one. Hey idiots if I am calling to get my account number how can I type it in?

I have an auto loan for this POS I bought in Kentucky before I PCSed to California with the Army. I have paid on time, everytime, until I initiated a Voluntary Repossess.
So after it's in voluntary repossess, they draft 2 extra payments through my bank's webbillpay (actually my fault, as I didnt know the payments were slotted) but the problem is, Wells Fargo took both payments, and wouldnt give them back. After spending all of my daytime minutes being transferred and disconnected, I'm told, "If you are going to have this voluntarily repossessed, we aren't going to refund the last payment". Verbatim.
This is the week before Christmas mind you, and I have $.37 in the bank because of it. I said, "Ok, I take back the voluntary repossess." just because I really need that money.
Again and again I tried. Finally after being told it was being handled by her manager, and he was out sick, I called a different department, and low and behold, this guy said "oh man, we gotta fix that." Told me right there after 5 mins exactly what was missing from my bank's fax to them regarding the payment, and then hand carried it to refunds with me on the phone. He tried to overnight it to me, get it wired back into my account, everything he could, but it has to be a cashier's check via snail mail. I thanked him and hung up.
I have been in my barracks room eating army chow for 2 weeks because of this. Cancelled Christmas plans, all of it. The point is, if this guy, who isn't a manager can get the payment at least sent out in 20 minutes, why did I call every day for a week, and actually accept an ultimatum from this bank?!

I could tell you I'm furious. I won't. I'll say this;
I have filed chapter 7 bankruptcy, which will be completed on the 1st. (The reason I tried to have it voluntarily repossessed before) Wells Fargo doesn't know that. They also don't know it's out of gas and the battery is dead, and that they are gonna have a hell of a time getting a tow truck on this base (LOL!). I will cost them close to what it brings in when they auction it. And the best part is, after I cash the refund check, I'm going to call them and explain it all. Enjoy your new Kia Wells Fargo, because I'm going to enjoy watching you spend money trying to get it back

I wish I would have looked at these ratings BEFORE I banked with Wells Fargo for the last year and a half and honestly, I'm disappointed with myself for staying with them for so long!
I opened an account with Wells Fargo when I lived in Baraboo WI and it is probably the reason I stayed with them for as long as I did. They are the kindest people in the world and non of them should be working for this company!! If I was about to over draft.. someone from the Baraboo branch would call and let me know that I need to deposit some cash!:) They are just so nice!
I moved to Madison in Aug. 07 and any branch I have been to here, the people are dumber then a box of rocks!
Through the time that I have been a Wells Fargo member, I have probably accumulated $1,000 in over draft fees. Most of these, in some way, were my fault. However, last month I deposited my check at 1:30 on a Tuesday and due to the fact that it was not applied to my account until Thursday evening, I received 3 over draft fees, which if you bank with Wells Fargo, I'm sure you know is $105.00!! I tried to talk to corporate about this and they were of no help trying to make it sound like I must have been mistaken on when my check was deposited.
A couple weeks later I received more late fees due to the fact that a check was deposited dated for a week prior to the current date. I called corporate IRRATE with the fact that a POST DATED check was cashed and they told me that the date written on the check is JUST written for my records! WHAT????!!! All this time I thought a check was not supposed to be cashed until the date it said on the check.. it only made sense to me!
So... I called the Baraboo branch where the people are normal and of course, the woman told me, Wells Fargo is NOT supposed to cash checks before the date they are written for, but once they are sent through, there is little I can do! Great!
A couple weeks ago, I took my paycheck to the bank to deposit it, signed the back and got my receipt and left. I got to work the next day and my boss asked me if he had given me the wrong check by mistake.
My first reaction was, "I dont know.. I just looked at the amount and my bank cashed it!" His first response was, "well your bank is stupid!"
Sure enough.. the check was in my co-workers name and they had deposited it into my account basically just because I signed the back!!!! Ha! WOW!!
A couple days ago, I went to the bank to deposit some money, to yet again, bring my account to 0 since I had gotten those late fees from my check not being deposited before they applied the over draft charges. At this time, I had already opened an account with UW Credit Union- who are non profit and dont get their jollies from taking my hard earned money from over draft/late fees!
Anyways, I only wanted to deposit enough to 0 out the balance and get the rest back to deposit it in my GOOD bank account at UW Credit Union. The woman first put me through the run around getting my drivers license and another credit card source since I was getting cash back. Really? After depositing someone elses check into my account AT THIS BRANCH?! What a joke!
After getting my license and credit card, she came back to tell me that because my account had previously been in a negative she could only deposit until the check clears! Ah yes, something to top it all off after I am just trying to close this account with this ridiculous bank!!
I withdrew the remaining balance and called today to cancel. I made the mistake of calling corporate of course where the woman, whom I could barely understand, asked me for my password.
I replied, "Im not sure what password you would like. My debit pin, or my on line password.. or which one?" She replied with, "I am not going to give you any hints!"
I was kind of in aww! How about, social security number, address, account number, pin number, mothers maiden name??? Dont tell me, "this password was set up when you opened the account over a year and a half ago" and expect me to remember!!
So I guessed at a couple that I thought it maybe could have been and she snapped at me, "NO!"
Without even a goodbye, I hung up the phone and immediately called the Baraboo branch for assistance. Sure enough, as always, the guy that I talked to was so much help. He asked why I decided to close and I told him how I had just gotten off the phone with the corporate and his first response was, "Yeah.. dont call them!"
I told him how they had deposited someone elses check and put me through the run around trying to get a withdrawl and he just laughed and said he was sorry!
After he successfully closed my account in minutes, he said, "If ever you decide to come back to us, come to me and we'll take care of you!" It was almost enough to make me stay if Wells Fargo was only based out of Baraboo and I didnt have the corporate ***holes to deal with who steal my money any chance they can!
Looking forward to good things with UW Credit Union and I look forward to

I have been banking with WF for many years. I have had a home mortgatge with them and I maintain a substantial balance in my accounts. A couple of days ago, I received notification in my e-mail that my checking account was overdrawn, which I knew I had not done as I keep my account padded to avoid that. When I checked online I found a withdrawl of $3000 in the form of a check. I looked at the check image and it shows a check that I had written on top of another persons check. It appears that the checks got stuck together during processing and the way they were aligned, my check covered the account number on the other check, so the machine debited the total from my account. Having talked to customer service repeatedly, they can see that the money should not have come out of my account, but they will not return it. They say there policy is rigid and that they will start an investigation. They say that I can expect a phone call in 5 days regarding the start of the investigation, and that hopefully my money will be returned pending the outcome of the investigation. SO, I am out $3000 for a truly lame and obvious mistake, and the bank apparently feels no obligation to resolve it in a timely manner. I am absolutely appalled at this customer service (or lack there of). I am lucky that I have the means to pay my bills in the absence of this money, but this mistake could easily leave the average person without the ability to get their basic needs met. If you work for WF I would love to hear a justification of this truly flawed policy. There has been absolutely no effort by WF to accomodate my needs.

Wells Fargo hits you with unexpected fees every time you turn around. If you're careful to avoid fees, they will restructure their banking to force you to pay fees. WF is the WORST bank I have ever used!

Wells Fargo is the worst bank I have ever had to deal with. They purchased my home Mortgage in September of 2006 from Washington Mutal, another F***ed up bank. They never obtain the information on a person in regards to their payment history etc...They they come along stating that you owe a large amount of money from the time that they bought the mortgage which was total BS. They do not work with you on a restructure plan of your loan in order to get the payment down or add onto the end of the loan which can bring you up-to-date, if that is the case. Everytime you call their customer service office you always get a different person in another state and have to start your story of information over again. and the cycle begins again. They do not send a payment book so you have to keep every receipt you make. They forclosed on your House w/o telling me. Last month I have this guy come to my house stating that the house was forclosed on in November after I just paid them $10,000 in April because that is what they said I owed since September of 2006 but they have no record of that. Now they own my house, I called them asking them what the heck is going on and they had the nerve to ask if if I was going to make a payment today in the amount of $17,000. It only shows that they do not know what they are doing, their system of banking procedures is un-excusable in whole they should not be in the mortgage or banking business. Now they have sent me a letter stating that THEY have purchased house insurance for me and that I have to pay for it, but they own the house according to them. I do not want them to come along as say that I have 2 weeks to vacate so I am moving. All I can say if that when I get another mortgage I will not be dealing with them or any bank that they have taken over. IF I can I will make sure that everyone knows what a lousy bank they are, and I will let the Head of the Corporation know also. So be wise on who you lend with...Scott

Wells Fargo will NOT work with you if yo are late with your mortgage payment. Don't believe it. They will string you along for 3 months and then send a lame letter.

They are dishonest people. Their banking services suck. Moreover,I had two credit cards from Wells Fargo Financial. Last summer, they communicated to me that they planned on increasing the APR, because they had inquired and found that my credit score had decreased. On the contrary, my credit score had increased and they had not made any inquiry about this. As a consequence, I closed the accounts and paid off the credit cards.

My mother passed away and when I went in the branch to settle any debts and notify them of her passing they told me I had no authority over her account, even with my name on the account and a copy of the will naming me the Executrix.  Days later I got a collection notice for the very debts I made an effort to pay off.  Thanks for your compassion and understanding Wells Fargo!

I have had an account with WF for years, my 3 kids all have accounts there also. I checked my bank balance one morning and had plenty in the positive, so I went ahead and paid my bills. This would have left me a $300 balance until pay day in 4 days. I checked the account the day before pay day and was shocked to see a NEG $387 on my account! I called WF and asked what happened, they told me that they had not posted all the debits to my account for 3 days due to a computer back up process they were doing. So low and behold, they started whamming me with over draft fees. I asked for a copy of all the charges applied to my account, because the website did not reflect anything but "Non-sufficient fund fees" over and over again.
They would not provide me with a print out.

I went to the office in downtown Denver and demanded a print out and was told that their systems only reflected what I personally could see if I logged in myself. So they couldn't help me. I requested a copy from their databases, was told it would take a week to recieve it. It never came! Went back, found out now my negative fees were up over $600, because now the charge a fee for every day you're over drawn!
It has been over a month, my balance is over $900 negative owed, they withdrew all monies out of my children's accounts and applied it to the balance on mine and STILL WILL NOT PROVIDE documentation on how they charged me fees.

Avoid this bank at all costs. They have gotten very nasty in customer service over the last 5 yrs, they don't care about their customers, and will nickle and dime you with fees daily, and given 1/2 a chance they will charge you fees and never explain why or how.

Smells far go stank......worst financial insitution in america.

I fell behind on my business line of credit after we lost our farm because of a family member's sudden illness. They converted it to a business term loan after i refused to pay the 21.25% interest rate that started out at 9%. After gas prices increased by 200%, and the greedy mortgage industry clowns screwed everything up, we fell behind again and "smells far go stank" used it's "right to offset" and withdrew every dime we had in our checking account ($4413.00) on a Friday afternoon to pay the past due amount of $2479.91. They said because we had such a terrible pay history, and statistics showed that people in our situation never paid up, they were justified in taking $1933.00 more than was due on the term loan. Then they threatened to make it worse and turn it over to their attorney and said "it will cost you $30,000 before we are through with you if you don't pay another $500.00 in the next 45 days and $500 every month after that. I have had the loan for almost four years and if we fell behind, we always caught it up and paid the past due amounts and the ridiculous late fees without complaint. They said we had proven to be untrustworthy so they were justified in their theft from our personal checking account of more than the amount due on the loan.

Special note to "bigsucksfan" posted 7/14/08. You appear to be just the kind of greedy, self absorbed, all about me, and to heck with the rest of you type that should rise to the top of the "smells far go stank" corporate ladder. Good luck to you.

 I contacted Wells Fargo about getting my auto loan refinianced in hopes of getting a lower interest rates and lower monthly payments. Well, it took them two weeks to reply to my application. After one phone call and an hour of me waiting for a call back, I was given the worst offer possible.

They offered to save me 100 dollars on my monthly payments which sounds alright. But when I asked for all the details, that's when I just luaghed at him. It went from 42 months left to 72, and from 8 percent interest to 15 percent interest. Obviously they much have thought I am a complete idiot. I honestly feel bad for anybody that does business with them.

Decided to move my checking and savings to Wells Fargo as they offered a $50 incentive. Had to move money back and forth between checking and savings to get the advertised free checking. Never received the promised $50 in three months but did get charged fees trying to learn how to get the free services that they promised... Did get some interest and a clerk made a big deal out of the 8 penny's I earned in interest. Also got lots of junkmail that looked like bank statements on the outside, so you had to open the crap or risk missing the actual bank statements. Closed the account and moved back to my old bank after four months and got a wire transfer fee and an account closure fee...AVOID WELLS FARGO as they are a soulless faceless company that cheats and lies.....

Their customer service department is one of the worst I have ever worked with. I had to use them for a "12 months same as cash" furniture purchase. They never posted my payments on time - even though they were automatic payments. When the 11th month came up I wanted to pay them off so I would not owe the accrued interest. The contract did say that if you did not pay it off in the 12 month period, the interest would be charged back to the date of the purchase. They had the amount owed incorrect. They did everything they could to delay my payment so I would go over the date due and pay them the $500+ in interest. I would call them to discuss the issue and they would tell me to put it in writing. They never received my letters so I started faxing them and getting a receipt. During that last period of time, I sent two faxes which were both ignored. They would not call me or answer my letter via fax. After discussing my issues with others, I find that they have a reputation for doing this so they can charge the back interest. I was lucky that I did not have to pay it because I started working on it a month early. When I requested to have my complaint escalated I was told that it is their policy that they do not do that. She just kept repeating that line. I thought I was talking to a robot!

They will get you on fees however they can. I posted my payment for the 8th. They charged it on the 7th, last months cycle, and then charged me for a late fee. I showed them there were two payment on the last month and that the website even showed my choice as the 8th. They refused to change the late fee. This was on my LAST PAYMENT! Stay away!

I hate to say this, but I've finally given up on Wells Fargo. I've never had to leave a financial institution before, but I am forced to do it now - and for the worst reason: incompetence. Wells Fargo completley lost my deposit two separate times. Once for over $600. It was pending for a day, and then it disappeared completely. Fortunately, I had the receipt crumpled up in my car. Then a few months later, they lost another deposit for around $1000 right before I left for vacation. I had to deal with it while away on vacation. They finally put the money back approximatley 5 days later. I knew I needed to leave after that, because I couldn't trust my financial institution to keep track of my deposits - the simplest of functions. Admittedly, I've been reluctanct to pull up stakes and start over with someone else, partially for fear that this problem might be systemic industry-wise. Third time's a charm - they just reduced a deposit I made by $100. Another bank error to my detriment. I've had to constantly monitor my account to make sure THEY don't make mistakes on my account causing me problems with possible overdrafts amongst other things. This is a sad state of affairs with any kind of financial institution. It's so perplexing to me that a bank, of all places, would be so incompetent, irresponsible and seemingly unconcerned about the whole thing. No one is fixing the problem nor is able to tell me why this is happening. Hopefully this kind of issue is particular to just WF.

I have banked with Wells Fargo for both business and personal accounts for more than 15 years, ever since they took over my accounts with First Interstate Bank. The customer service has greatly deteriorated over the years. There was a time you never had to ask for a supervisor because the tellers knew what they were doing. Then as tellers became less trained, it grew increasingly necessary to ask for a supervisor to resolve routine issues they didn't know how to handle. Now, even asking for a supervisor to address account problems results in dealing with someone who is just blindly following a set of corporate procedures with little or no individual thought behind it. On several occasions they have mishandled deposits, change of addresses and other normal banking requests. When problems arise, they appear to be taught to defend the bank's policy at all costs without knowing if it is good policy. In the past few years, I've never encountered anyone on the phone who would admit another employee's mistake, even upon correcting it. If an item doesn't show on the computer screen that appeared, they assume it cannot exist even before checking for it elsewhere. Recently, I changed the addresses on two accounts after a move, yet one of my debit cards was being rejected due to an unmatching zip code. When I reported this problem they suggested I had failed to update one account. I explained I updated the info with one written request identifying both accounts. Both street addresses had been changed, while obviously an employee failed to update the other zip code. To make this change, they wanted to go through all their security questions again, which I already gave at the start of the conversation, to verify I was the account owner. It's clear to me Wells Fargo corporate sees customer relations as an adversarial one. Employees are taught 1) money is power, 2) the bank is in the business of money, and 3) customers are the means of getting money. If they have your money or you owe them money, employees are taught to believe they are in control. If they only want your money, it's just business as usual, and they're as friendly as can be. Needless to say, I'm leaving Wells Fargo for good to deal with people and and institution I can trust at all times.

I have been a customer of Wells Fargo for about 5 years with absolutely NO troubles. Then earlier this month they LOST a deposit I had made! That was unacceptable but they were very nice about it and posted the money to my account while they located the error on their part. It was straightened out and I decided not to close my account. Then NINE days later it happened AGAIN! What are the odds! Luckily I had saved the deposit receipts as proof and they had record of it at the branch. They have a serious problem with processing deposits once it is sent to the processing center. I told them I cannot bank with someone I don't trust and they've proven to me that they cannot handle simple deposits or my money. They didn't seem to care that I will be closing my account. The lady even talked to me about which bank I'd be moving to.

I seriously voted one star too many. Wells Fargo is worse than terrible. Last week they were supposed to give me a mortgage for a house for which we were easily pre-approved. Perfect credit, high income, we even showed much more than necessary to purchase the property in our bank statement. We were declined. They wanted an obnoxious and invasive audit of our bank account, paper trails for every deposit ever made, and half a dozen signed letters of explanation for funds deposited into my bank account. After jumping through all their outrageous hoops, wasting hours/weeks tending to their requests, we were told the information we provided was insufficient and we ended up losing the chance to buy the property which was valued at several tens of thousands over the amount we were going to buy for. Thanks for nothing Wells Fargo. Thanks for giving me the worst banking experience of my life.

Terrible.... I checked my account before going shopping. It said $250 (I am a broke college student). I went shopping. I spent $170 at the first store. I called WF and asked exactly how much I had left. He said after the $170 I just spent(which i was surprised it was already posted as a pending transaction), I had $80 left. So I went and spent almost $80 in two different stores. Everything seemed fine until two days later. I went on WF.com to check my account to find that my account was at around -$355. So I called to see how this could have happened. They told me that all of my pending transactions had not gone through when the respresentative told me I still had money in my account. It was a Tuesday at 7:30 pm when I talked to him and was shopping! They told me that since it was a weekend and a monday holiday that the transactions would not have gone through until either the morning or evening of the next business day. I then explained how I went shopping on Tuesday at 7:30 pm which would mean that the money should have shown up either way! Whether they had gone through in the a.m. or p.m. of the next business day. They then changed the story and told me that they did not go through until Wed. of that week. But then I asked them how the guy could see the pending transaction I just did 2 minutes ago, but could not see the pending transactions I did 4 days prior. They changed the subject and would not answer the question directly. They kept telling me that I should keep better track of my banking by writing down all transactions. I then asked why the guy who signed me up on my WF account told me that pocket banking books were a thing of the past and told me everything could be done online at WF. Again they changed the subject and avoided the question. They told me 90% of the time the online system works, but 10% of the time it does not, so it would be smart to keep written records yourself. I then asked why I had been charged $2.00 for a few phone calls to their customer service the past month. I asked if I could have them refunded since obviously calling them gives no help what-so-ever. They said I could not have those refunded.

Bottom line was three different people including 2 managers/supervisors told me that it was not a bankers error because if I had kept better records of my finances, it would not have happened. I told them that if they had trained their employees better to read a computer screen correctly for the $2.00 I am apparently paying them every time I call, then this also would not have happened. Each person went in circles with me and kept lecturing me on keeping records myself. They kept trying to shift the focus from WF and their employees and poor customer service, to me, and place the blame solely on me. All I asked was for the three $35 ODF's to be refunded and they said no. I asked why they have done it for my gf a few times. Then I said something very dumb, but in the heat of the conversation. I asked them if it was because she was half Mexican. The woman was Mexican so this made her very offended. It was a ridiculous comment to make, but I was upset and felt helpless, so it was a little jab I took at her.

I will say that it seems they cator to the Mexican's a little more there. From personal experience, I do know that Mexicans have a ton of cultural pride, and do seem to care for one another more than any other race. I probably should not even make this an issue, but I feel like I want to speak on it. It is something I felt was going on last night in my conversations with them. I then rudely asked if I could speak with a white woman. They gave me a white woman(supervisor), and she eventually refunded me 2 of the ODF's. She was very nice. This is just an observation I felt. Usually it is the white people (like myself) who do the discrimination; but I feel this time, it was against me!

bottom line:
it feels like crap to be taken advantage of; especially financially, and wells fargo does a great job of this. They also do a great job of putting uneducated ass holes on the phone to "resolve" their customers issues. They don't even "act" like they care. At least hire some people who can fake it.

On a possitive, the woman who I eventually spoke with and refunded 2 of my ODF's was very nice and represents a bright light in this horrible company....

I locked in a loan with Wells Fargo 9 months prior to my new home completion. Wells Fargo had know about my closing date for 6 of those months. My loan seemed to be going fine until the day I was supposed to sign documents. I showed up to the title office and there were no documents to sign. It has been 3 days since my original close date passed. I still have no loan documents and a moving van full with no place to go.
Wells Fargo has cost me thousands in additional money and time. They have no customer service and no regard for deadlines. I guess I will be sleeping in a hotel tonight and you can bet Wells Fargo doesn't care.
NEVER do business with these people. They don't care. I suggest if you have business with them to move it. It won't take long for Wells Fargo to screw you over!

To start I made a deposit at an atm for 1280 cash well there was en error at the atm so it only gave me 0.01 then said it may take two business days to deposit full amount, well two days later they ony add 199.99 to my account, well I have two bill being taken out on the 19th and that will overithdraw my account, so then I told them that they need to pay those bill and I am not paying the overdraft fee considering it is not my screw up, they told me I need to put claims in that could take 10 days and that I would have to pay the overdraft fee, so as of today I still don't have the money and I am extremly disatisfied with there service, once my account is credited I am closing it!!

Too make the story short, they gave a 10% of my balance yearly fee that reqiured my signature for some tripple point system. Never signed anything for a point system. Called customer service, they were no help. Drove to the bank talked to one of their aphebetically appointed accountants, was told it automatically establishes when your balance is over $15,000. Called him a sneakly little bastard and demanded that this be taken off my account and that my money be re-credited. He tells me to speak to the bank manager, I do so. He agrees to credit $740 of the $1,500 fee. I call my attorney and have him come down, we go over what the bank had told me and how the signature was never requested. I file an EIOD against the bank. Three months later I finally get a check for my remaining balance. I had switched bank the day this whole mess started, still had to pay a $5 fee to cash the check the sent me.

They're racist and rude. The banker recommended that we go back to our home branch to resolve an over draft issue. I would expect the same treatment everywhere I go and instead, this racist banker refused to help us resolve this issue based on our ethnicity. I have never felt so discriminated against! Every single person that works for Wells Fargo is unsympathetic and are mindless, greedy, corporate drones that walk the beat of the corporate world that is slowing going down the drain. They steal from us every chance they can get. I'm keeping my money somewhere else safe from these greedy racists fascists!

Just in my initial dealings with them, I must say this bank has no idea of customer service. The people at the top of the local branch constantly give out information and then contradict each other. They keep telling me that they are a AAA bank, but I see no evidence of AAA service. I have had a lucky escape now that I have confirmed what I suspected from these stories.