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