Wells Fargo is stupid

sara How about all of you learn how to keep a fucking register and quit using excuses like having a baby and it wells fargos fault. two suggestions for everyone. Make more money and i’m assuming for most of you thats not an option and the one that applies here is don’t have a bank account if you have no money and don’t know how to keep track it. bill March 26, 2007 8:15 AM i have never had any problem with wells fargo they are great to do business with i’ve been there for years and plan on staying there!!!

Thank you to the both of you!!! These people are so stupid, they seem to think that everything is the banks problem and in all reality it’s the lack of their intelligence. I am a phone banker for wells fargo “a operator” (how downgrading to put it that way) and I have yet to see anything that has been banking error!! If people keep better track of their money and their accounts, these types of problems would not exist. (and for heaven sakes, here’s a concept) take responsibility for your own actions.

Wells Fargo is a great bank and nothing is done to hurt customers, they bring it on themselves.

get over it all of you jerks out there! i work for wells fargo and all of you people crying about overdraft fees are pathetic. it is not the banks job to track your purchases… its yours! GROW UP!!!

FWIW Wells Fargo is insolvent and on the verge of bankruptcy as they have a huge and undisclosed derivative risk… Have a Merry Christmas…

I am DONE with Wells Fargo. After years of their stupidity, I’m going to another bank.

Here is one example of my experiences with them: I have an auto deposit on my paycheck every month except for my June check which is a final check for the summer months. These auto deposits have been occurring for over 7 years, same two times every month and with the same employer issuing the check. Suddenly, one June, without any type of verbal warning, they decide to hold this check of $8,000. So, what do, I do? I decide to pay some bills - silly me, thinking I had money in the bank. Well, I did this for a week and after 10 DAYS, I get a notice in the mail saying that my deposited $8,000 check will be placed on hold! I live 20 miles from the bank and it took 10 days to get that letter to me.

I can understand if I walk in there with an $8,000 check from someone that had never direct deposited before. Come on, this was 7 years with THE SAME COMPANY!

Well, this was convenient for them as it resulted in MANY overdraft fees that they refused to refund. Someone was right - I’m just a number to this big banking system. I have to wonder if they just look for the right time to do things like this.…..things that cause overdrafts which are IMMEDIATELY posted to an account, no waiting period on those!

I think the least they can do is inform their customers immediately when a deposit is going to be placed on hold. Sure, they have the right to do that but with that right comes the responsiblity to inform their customer - immediately, not 10 days later.

Ok all of you really nice people telling everyone whose had a problem with Wells Fargo Bank to learn how to keep a fucking register - first off, do you people have some close relationship with Wells Fargo to make you defend them by insulting others? Second, it is true that if a person is very careful with watching their spending and using their accounts they can prevent fees. However, Wells Fargo simply likes to make it that much harder to do. They do like to be sneaky about their methods, but because their methods are approved bank regulation, even if it seems wrong to do to the customer it can’t be called “banking error”. For example, WFB will post debit card purchases the day they were made so that you can see the transaction online, and then they will reverse it so it cant be seen on your account, hold it for several days or longer, and then repost it (officially this time, so the money is taken out) and it always seems this happens when them doing that incurs the customer overdraft fees. Now them doing that is not a “banking error” because they are allowed to do that. However, it still does not seem right to do.

<——— Wells Fargo Employee. Lol

Oh yeah, if your worried about security, you should get identity theft protection. Saved my ass almost 900 dollars so far.

I agree - Wells Fargo is not only stupid, but unethical and predatory. http://www.wellsfargoinjustice.com info@wellsfargoinjustice.com

I have stayed with Wells Fargo for almost 2 years now but I was unhappy recently because I can’t do much on their Online Banking Site.

It started when I went to deposit checks on an ATM machine like always because I never make it to the bank because of work. So at night time, I always make it a habit to deposit money. But I noticed that there is always a lost $100 on the account and the receipt says a different amount from the ATM Machine. So I checked on a branch one time for me to understand why it happened. They explained to me that they make the $100 ready for me to be used. But still, the amount it printed in my receipt was no where to be found in their database. They showed it to me in their old computer. Most of the amounts in their computer in my history didn’t appear in my online site. I told them why this amount never appeared in my history. Even in my online banking account, I never saw that amount. It habitually changes and you can never keep track of how much money you got when you deposit in an ATM Machine. Even if I use the calculator to sum up the deposits and withdrawals, it never came up with the right amount. That is why I told the employee how am I suppose to know if the bank is getting money from my account or not since the figures always changes. (I use my ATM account for everything, sales, POS, shopping, food, etc.) What they told me is that the bank never gets money out of my account. I could believe him on what he is saying but he can’t explain to me why the figures in my online account never matches if I use the calculator.

The main thing about this is what if I want to see how much money I have when I deposited this money 3 days ago? This is my main problem on their website. I saw that they updated the whole website but still its just some GUI changes and design but no important updates that will make online banking easier. I told him I wanted to see how much money I have for each transaction I made. So I can keep track to prove his word that I am not losing money. He told me, “You can make a ledger for yourself of each transaction you made and you can compare it against the website.” I said, “Then why do I have to do banking with you guys if I have to do it myself manually.” This made me think how much online banking with Wells Fargo sucks.

And then a friend told me about Bank of America. He showed me their online banking and I was delighted on a particular feature I need. They log each transaction and besides each shows how much money you have after the transaction was made. In Wells Fargo, you only can get how much money you have before the transaction happened only the MOST RECENT one. In BofA, they will show you everything for each transaction you made. This will save my time rather than me doing a ledger and log each transaction manually which is ridiculous. So in short, I opened an account and I am on the verge of moving and closing my Wells Fargo account once I got my tax refund in my old WF bank account.

This is my story. I hope Wells Fargo can do something about this.

What is the point of online and mobile banking if you have to keep your own register anyways? I’m not saying that Wells Fargo shouldn’t charge you for exceeding your limit, I’m just saying that the way they conduct business is unfair to the consumer. How are you supposed to keep an accurate register when charges can “fall off”, as one phone banker explained to me, and then re-post at any time. And it just so happens that these charges re-post right before you make a deposit to cover the costs, but yet you had made the deposit before the charges re-posted. The bank managers response to this situation was, “well we can’t keep charges on there forever!” Understandable, but if Wells Fargo is going to drop and re-post charges at their discretion, how about an e-mail? a phone call? a fucking smoke signal, just some kind of notification on whats going on with our account! If we have to keep a register, and track all transactions whether it be charges falling off, pending transactions, and when items are posted.…. Well isn’t that the banks job. How about giving the consumer the option to keep the charge posted a few more days? After all it was the consumer who made the charge, they should know if the charge was legit or not. And another thing that is funny, Wells Fargo doesn’t give you the option to set-up your check card in a way to where it is impossible to go over your balance. Why not? Instead they allow you to open a second account that acts as an overdraft protection account. And then when you do need to utilize your “overdraft protection” account they charge you a fee. That’s the fucking stupidest shit I ever heard! It’s all MY MONEY! Why the hell should I have to pay a fee for covering costs with my own money. But the bank and credit systems are set up for the average consumer to fail. You can’t take your debit/credit card and run it up to $20,000 when your limit/account balance is only $500 because sooner or later your card will be declined. But the banks allow you to go over just a little, so that way when you do (even if it’s a dollar!) they hit you with a fine. But Wells Fargo is a business, and a large one at that, so I expect to see no change in the way things are done because they profit too much money in fees alone. So the only solution I see for now is to get rid of online and mobile banking since they are not always up-to-date and Wells Fargo expects you to keep a register.(That seems to be their answer for everything.) And get rid of your check card. It amazing on how many people are siding with Wells Fargo, even though you may be an employee, I mean come on! Deep in the back of your head you have to be telling yourself people are getting bent over here. It used to be that people would allow the bank to take their money to keep it in a safe place, nowadays the bank is just taking our money. If your an average consumer, who works a 9-5, barely making ends meet, and trying to support a family… You’re better off keeping your money in a shoe box under your bed. At least then you know you won’t be getting ripped off.

Kari, Katy and all of the other Wells Fargo employees.

I find it insensitive and downright rude of your responses toward anyone who has expressed their concern, grievenses and so forth.

THAT in my opinion is how rude the customer service is at Wells Fargo.

Yes I used to bank there.…used to being the operative word.

I chose to leave Wells Fargo banking because of the ‘rude’ customer service and the constant bank charges on my account.

Did you know that Wells Fargo CHARGES the customer if they take money from your overdraft protection account?

For example: My payroll checks were automatically deposited into my account on Friday morning. Actually posted to my account. Then on Saturday morning we’d deposit my husbands payroll check because his company doesn’t provide automatic deposit. That deposit of course would be held or in pending mode until Tuesday morning.

IF you went and spent all the money you just deposited over that weekend, you’d see the transactions, however if you happened to spend over that and Wells Fargo was left to transfer money from your savings/overdraft proctection account, Wells Fargo would charge $10 for each transfer/transaction they made for you. WTF? So say if I needed $10 transferred over to cover the overdraft then Wells Fargo is taking $10 for themselves because someone had to go into the system to do this?

In my opinion Wells Fargo is nickel and diming everyone to death with these ‘hidden’ fees and charges. It’s outrageous and really needs to stop. I wouldn’t be a bit surprised if more and more customers start leaving Wells Fargo.

I’ve had nothing but foul mouthed, obnoxious angry little punks for customer service reps who I might add more hidden charges just for answering or taking care of something on your account.

Oh gosh I could go on and on about how bad Wells Fargo is but I think the fact that I’ve ‘stiffed’ them with a negative -$1,000 overdraft and not answering their calls and returning their little notices and envelopes.

I’ve opened up a bank account with a our local credit union, which I might add have even made $.10 within our first week of opening our account. No hidden fees with them plus we own a portion of our credit union. We’ve had our account now for a couple of months and love it there. Always treated with a smile and they’ve even started calling us by our name! How’s that?!!

Oh sure.…eventually I’ll get around to paying this overdraft charge that’s on that Wells Fargo account, but you know what? I’m not in any big hurry to do so.

So Kari, Katy and all other other Wells Fargo employees.….….…..I hope you’re happy working there at Wells Fargo because eventually.….….…..you’ll be a victim of what everyone else is complaining about. So.…..YOU GROW UP BITCHES AND LEARN SOME CUSTOMER SERVICE SKILLS!!!

Oh gosh, I have been paying all bills with cash for over 3 years. I am no further ahead for it, but no one takes anything that I am not aware of. It’s such a simple step towards sanity. I learned my lesson with WF. However, I did hear something on the news about WF that they were laying off an undisclosed amount of workers. The bigger they are the harder they fall. Who-a

Yeah? Well Wells Fargo changed my address without telling me or without me telling them to! My next door neighbor moved and ONE letter from wells fargo got forwarded with their mail by mistake…so they just change my address. No call, no mail, no e-mail.…so here my old neighbor (who I DID NOT get along with) received my statements and bills for my checking, credit and mortgage accounts! So what do they do? They change my account number and send me a new card…witht he WRONG NAME. THey went back to my maiden name (it already took my three years to get them to finally switch to my married name and here we go all over again) And the problems just keep coming. WARNING: They can flag your accounts if they don’t like you so watch out! If you get mad, even if you have a good reason, they will flag you and then you are really screwed! They close accounts, etc, just out of spite. Bad Business!!!!!!!!!! I have been doing business with these guys for 10 years, and just had problems in the last year. I’ve had enough problems to decide to pull all my accounts and start new somewhere else, even though this hurts my credit!

I used to work for wells and let me tell you… there is no such thing a free account… as a banker we were forced to sell costumers savings accounts, check cards, online banking.. and everything you can imagine. So all of you complaining of getting cards at the wrong address or not asking for things and getting them… is all all ALL techniques a banker uses to get sales and they will get away with it… why? because the banker is always right. I feel sorry for all who bank at wells!!!!

let me tell you what, I DO keep a register and my register is ALWAYS right when I am using it with my account at Bank of America, but for some reason, it is NEVER right when I am using it with my wells fargo account. I have never been satisfied with Wells Fargo and never will be ever again. The manager of one of the banks that I live by personally told me that OVER 100 dollars worth of charges should not be there, and more charges that WERE NEVER SUPPOSED TO HAPPEN keep on showing up!!!!!!!! Easy to say, today is Sunday and as of tomorrow morning, I will no longer be a wells fargo customer ever again. Also, that same manager told me that if I did not open up a student checking account and take his advice, the other account would have a WHOLE BUNCH of “hidden charges”. Well at least they kept their word on that! Thanks for nothing Wells Fargo!!

P.S., all of you wells fargo employees commenting on this making crude remarks, I don’t think that it is helping you keep angry customers at all!!! Good judgement on that one!