I transferred a sizeable balance from a credit card with a huge interest rate to my Wells Fargo VISA who was offering a very low (2.9%) rate on transfers. The first month and a half after, Wells was overcharging me on the interest rate. I called and they agreed they were at fault and would refund the overcharged interest rate. I asked what about the inflated minimum amount due, and they told me it would be much less, and rather than the over 400.00 it stated, I could make a smaller payment without a problem. My payments are done automatically thru my WF checking account online. When I checked my account I discovered they had made the original 432.00 minimum payment instead, which would overdraw my account. When I called, they told me that the information I had been given previously was incorrect and that they could not change the minimum amount due to fedral laws prohibiting it! Yes, they agreed it was all due to their mistakes, but unfortunaely for me there is nothing they can do about it. And if I dispute the payment, my credit card will show that I failed to make the minimum amount due and I will be assessed a late payment fee as well! I feel as though this is just another way they have found to screw the customer over again. And what is to keep them from doing again? Nothing really, and I have no recourse. And why are we bailing out the banks again? So they can keep on doing dirty business practices that line their pockets.

I'm at the end of my rope and I only have myself to blame after being told repeatedly to leave Wells Fargo a long time ago. In 2001 and moved from another bank to Wells Fargo. I did a debit transfer of $10, 000.00 to them to lower my interest and payment. Three years later I got a huge bonus from work and paid it off with one check. Since then I have set up auto pay for all my bills and overdraft protection to their Visa Platinum card that climbed to a limit of $20, 000.00 and like others, the bills hit during times when the funds are low and this causes an overdraft. For five years I average about $3, 000.00 a year over to the Visa card which I always pay off. Last July they started moving the due dates around. One bill would show a due date of the 10th and another the 15th. In August for the first time ever I missed it all together? I did spot this on their website so I made a double payment. November come around and I only a couple dates late but this was fixed by simply paying the single bill. January '09 comes and this happens again. All the time there's no overdrafts so I'm thinking I'm in good shape so I spend some extra think I can handle the overdraft like I', acustomed to and life moves on. Here's were things get really ugly! I open my AOL account to read emails and there overdraft notices all over the place? I see three on 03/27/09 which is also pay day. I immediately go to their website and find that I'm sitting negative $256.24? My pay checks gone and there's eight overdrafts over the past two weeks? Remebr when I said that my Visa has a $20, 000.00 limit and is the source for overdraft? I call them and is get down write stupid. I get this second or third level person who explains that in November after I was late with only a second payment, they decided to cut my Visa limit to only $2, 900.300. She then explains that since then, every time I swiped my ATM card there was a $35.00 fee attached to each transaction no mater how large or small and that I have hit the $2, 900.00 limit a few weeks ago. I then asked about the 27th and why three? It's because I used it three times that day and they had gabbed all my money wright after it was deposited. I told her that on transaction was for an energy drink only and this person could see a small purchase that caused a fee. That alone translates into a $38.00 single can of energy drink. I told her that I signed up for $50.00 dollar incriments and this person told me that, that was only when it goes to the Visa card, all other overdrafts are for each transaction? I told her to please remove these because they are totaly unfair and also asked her why wasn't I ever notified of this issue? This person simply claims I was and told me "I'm denying your request because your account is overdrawn"? I told this person that you folks did it and it can and should be removed. Denied again. This person then reminded me that my next payment is due on the 15th but I told her that the automated message said the 10th. This person then said that's a grace period? Now their way out in left field. I then tell this person that now that they took all my money, how can I pay my other bill and YOURS? This person goes silent for a moment then responds that the payments due on the 15th? I told this person that I was in total shock a the way they are treating me after all these years and all the hundreds of dollars I've payed them over the years. This person then says "Would you like to make a payment now"? Are you kidding me? Were am I going to get the money? I told this person that they are not going to win this. I stopped the auto depost for my paycheck. Call all the companies that I have set up with auto pay and turned them back to paper and cashed out a major chunk of my retirement stocks to cover me during this crisis. Most banks would have worked something out but not Wells Fargo. They train their people to be ruthless. It's not a computer program that decides issues for them, it's the people. I know for fact that they are in the wrong and this person could have removed as least one of the fees but just plain didn't want to. If there's anyone that's filed or filing a lawsuite against them then please do and you can count me in or I will simply go it alone.

I have had a checking account at Wells Fargo for almost 3yrs and have paid over $1, 000 in overdraft fees that I thought were very suspicious.
I complained several times because I knew I had money to cover transactions as indicated on my online account.I was told that items came in that caused the overdraft of several transactions.Can you justify paying $25 to $30 for a soft drink or burger?Wells Fargo provided info on pending class action suit in California.That is how I found out about scam involving the deletion & rearrangement of charges from largest to smallest amounts.

I can be contacted at [email protected] if you require more info.

To whom it may concern,

I XXXXX, am herby demanding that my accounts be closed, effective immediately . The reason that I am taking this action is because of the unacceptable policies that are being utilized at my expense, and I am literally fed up with your " Greedy " Business Practices " . In my banking experiences - over the past thirty years, dealing with many other financial institutions, I have never encountered the amount of problems with overdraft fees that are constantly reoccurring with my checking account . The practice of your credit /debit posting practices are " Shady " at best . An example of this, is posting debits on a holiday ( A Non Banking Business Day ) and not posting the credits that were pending also, until the next day, another example is the shuffling of transactions from the order in which they occur to maximize overdraft fees, another example is the way your computers post account data ( not accurate at any given time ) designed to confuse the customer, with your continual overdraft trap, designed to gouge your customers . I find this practice to be horrendous and despicable . A bank is supposed to be working in my best interest, and not lurking in the shadows of deception, waiting to pilfer the customer at their earliest convenience, it is a matter of ethics and scruples, really ...

Wells Fargo should be ashamed, and should be nominated to the "' Hall of Shame " . I have a question for Wells Fargo ? " If the money isn't in the account, Then why aren't the transactions denied ?" It seems that your computers are programmed to build revenue - In Wells Fargo's favor, at the customer's expense, by dragging it's heels to notify customers of their overdraft status until days later, believing that they had a positive balance in their account ( according to your current computer account information data ), that they rely on - continuing to make minor purchases and being fleeced with overdraft charges . " Is there a human-being monitoring these computers ? " that is a scary thought . Don't rely on your online banking service, which is totally useless in my opinion . I have never had problems with other banks, because they were predictable and consistent . Banking with Wells Fargo is much like going to a casino with the customer service of an all night - Taco Bell Drive thru . In closing, I know that Wells Fargo does not care, about me, the customer and that is ok too . If my small business ever takes off, rest assured - that my money will certainly not be deposited with Wells Fargo Bank ... I am not the only disgruntled customer of Wells Fargo Bank, here are some other customer complaints from the many disgruntled customers ( too many to list ) whom have left your institution ... It appears that Wells Fargo is more interested in making a " Quick Buck ', than establishing long term relationships with it's customers . I also wish upon Wells Fargo - that the fleas of a thousand camels, infest their arm pits !!! " Wells Fargo Bank " one of the carbuncles on the butt of mankind ...



I can deal with "policy", but keep in mind, the word policy coming from the mouth of the so called "customer service" agent is really just another way of the company telling you, "Hey, we really DON'T care, and F*** you."



I am currently a wells fargo employee looking for another job. wells fargo not only screws its customers but its employees also. i am required to get one sale a day or i have to stay on a weeknight to call people. now i could of sworn i did not apply for a telemarketing job, or did i? honestly, wells fargo (hells fargo) only cares about getting sales no matter the cost. they told me to make the customer wait if i have to in order to sell them a product. i pride myself on my good customer service and refuse to keep a customer, who is probably on their lunch break, waiting too long. i am looking for another job because wells fargo is a very shallow company who doesn't give a shit about anybody. i want an employer that i can agree with on their values. everybody reading this, please change banks! i know how this system that people call a "bank" works. they don't care about you, they just want your money!!! they will screw you over any way they can, trust me, before you find out for yourself. there are better banks out there. wells fargo can kiss my ass!!!



Every Thursday my paycheck from HEB (grocery chain in Texas) is deposited to my account electronically. It usually takes 2-3 business days to clear my funds. In the meantime, the money is still displayed as part of my "available balance" although that is not the case. Now here is the most deviating thing that this evil bank does. They will accept a direct deposit, pend it for 2 days and then on the 3rd business day they will clear several debits and change the date of the debits so that they are BEFORE the check is cleared and then charge me $33.00 in overdraft fees for each item. This has been an ongoing problem with this bank and I do not recommend this bank to anyone!



Personal experience with Wells Fargo, the bxstard bank. It all starts with one key element: purchases are immediately subtracted from an account while transfers and deposits take longer. I have 58 cents in my checking account so I transfer (online) $4.00 and walk to Cub Foods to get a pack of cigarettes. Big mistake. Next day I check my balance - everything looks fine - @ this point NO overdraft fees are shown. I transfer another $4.00 into the account later that evening for more cigarettes - go and buy them. This cycle continues until about 4 days goes by - and holy shxt. $99 dollars worth of overdraft fees - 3x$33. Show up on my history for the last few days. In one day, my balance dropped from like $2.00 to -$101.69. And of course, now it shows every charge, the day it occurred, just because that money did not transfer the first day. In taking their sweet time to post these fees, Wells Fargo cost be $66 not to mention the $33 that I was charged because of their initial delay. I've contacted people and tried to get these fees waived but the bank says it is not their fault. Fxck Wells Fargo. Save your money and don't bank there.



I work at a well known print shop in SF, ca. (Home of Wells Fargo world HQ) We produce a lot of their employee reading material. And as I am forced to read it during the proofing process, let me just say it's pretty cold hearted stuff. I have had an account with them since I was 15 and am switching ASAP.. They're just too big to care I guess. Go with a bank that actually wants you to be happy and fortuitous, not broke and charged up the ass.



Actually, my account was balanced. However, there is NO reason that any CASH deposit should take more than one day to post to an account, and no more than two days for a check to post. They held my money for more than two days, and did not post the deposits, nor my withdrawls, allowing for them to use my money and make interest on it for themselves, and then conveniently cleared it all at once as to make everything bounce. Their policy is to clear largest transactions to smallest. So if you right one $100 check, and have $101 in your account (just an example) but also have multiple transactions of less than $2, they will cash the check and bounce everything else. That is truly not consumer-friendly.



Let's say you purchase a $2.00 burger and $11.00 of gas which you had funds for! Well that night a check goes through for $200.00 and it is NSF, you get charged 3 different $33.00 dollar charges because they make it look as if the check went through first, which it didn't. I asked them why this happens and they said that is their policy. The policy to take advantage and gouge their customers. I believe that there are more customers that they have screwed over with this policy. CLASS ACTION!!!
!!!



Wells Fargo does suck... The other day I asked for 200.00 from an ATM. Turns out I only had 189.00 in the account at that time. However the ATM gave me 200.00. On reviewing my transaction history later I discovered that since the ATM gave me more money than was in the account, I was charged a 33.00 overdraft fee!!! Imagine that!!! The ATM gives me extra money and then the bank charges me for their ATM's mistake!!! Wells Fargo sucks. I was unsuccessful at getting the charge reversed. I was told that I should not have asked for 200.00 if there was only 189.00 in my account and that I could have had my check register with me!!! Of course everyone carries a paper check register with them when going out on the town in this electronic age!!! If you cant trust the bank to know how much money is in your account what good are they anyway ???



Wells Fargo needs to be investigated by the banking commission for stealing from their customers(overdraft fees). I just found out that they have 425 billion dollars in assets. They obtained this feat by stealing from customers. My auto loan payment posted 1 week early causing my account to be overdrawn. Because the overdraft fees were so excessive it took the auto loan company 2 weeks to get approval to pay the fees. Which were $644. This included the 2 $10 wire fees Wells Fargo charged me. I did not make the wires or requested them but I was charged. That amount was 18 overdraft fees @ $33 each and 6 continuing overdraft fees @ $5 ea. Did not negotiate with the auto loan company to reverse some of those fees. After that my account became a target items posting before my direct deposits. All in all over a 43 day period Wells Fargo was paid $1, 474 in overdraft fees.





Sorry to interrupt the usual trashing that one normally only gets from a Wells Fargo Customer Service representative, but if you want to see what lies in store for you if you open, or already have a Wells account, then go check out some sites such as e-pinions.com, rateitall.com, or complaints.com. Most of the ratings have nothing at all to do with balancing a checkbook and everything to do with Wells' fee structure and downright atrocious customer service. You get the straight scoop on Wells without all of the useful "can't balance a checkbook" name-calling normally seen here by Wells-apologists. Also, make sure that you scroll down through the 5 years of posts on this site also, there are lots of warnings that have nothing to do with balancing a checkbook. As I've said in numerous other posts, my recommendation is to find a small hometown bank or credit union. We've had issues pop up now and then with them over the past 15 years, but nothing compared to the nightmare you're in for with Wells, and getting them resolved is sooooo much easier and painless when compared to Wells Fargo.



It seems like FDIC thinks that I cannot operate a check book. I have had a checking account for years and have never had as many problems or issues as I have had this past year - the year I've been with Wells Fargo. So, maybe I didn't have enough money in my account to cover the check, but they should have communicated the eleven day waiting period with me. Had I known that, I would have taken the check and cashed it elsewhere.

One of my main complaints is lack of communication on their part. Another complaint is that even when I deposit cash, its still marked as pending for one day. Also, you get different stories from every individual you talk to - no consistancy at all. When we called to ask about our "pending" check, one gentleman told us there were no funds in our insurance provider's bank account.

So, when I close my account out at Wells Fargo, what do I need to do? How do I ensure the situation that happened to Fleeced doesn't get me as well? I've paid plenty to that financial institute and I'm tired of it! (I told my husband that the execs got nice Christmas bonuses on us



I HATE WELLS FARGO WITH A PASSION! I am so sick of WF, I am a student that works very hard for every penny earned and due to bad economy, am supporting both my husband and I. Needless to say, we live paycheck to paycheck. That's when WF cashes in... I am convinced they have a system that alerts them when your account is low on funds, and THEN is when they decide to take out all their goddamned fees, including their monthly, bill pay, direct deposit, phone call bill?!, and they have the nerve to call it a f***ing "opportunity checking" account... yeah, OPPORTUNITY FOR WELLS FARGO TO ROB YOU! They never seem to want their made-up outrageous fees when there is plenty of money in the acct. They process whatever transaction fits to their convenience in whatever order they please so it ends up f***ing you! Every month I struggle with them and have to end up making 10 calls BEGGING them to reverse THEIR mistakes (or their very disguised ripp-offs). I am through with them. My account is closed.

i was fired few days ago, wells fargo claimend that i failed to follow procedure when i reversed a fee to wells fargo employee, i was promoted to assistant branch manager and i was told that it was part of my job taking care of customer and treat employees as customers too. i was never sent to managemen traininig, never got the tools to do my job; i was interview by a human resource consultant and she recomended no termination do to she noticed i was not trained correctly and it was not my intention to violate any company policy. after the HR consutant went back to her office, the HR manager decided that i should get terminated anyway.
Few days later my manager called me in to the conference room and with tears in eye gave the news that i was terminated and he said that it was not fair, that theres other people that have done the same or worst but they only got a warning and they still working for wells fargo bank.
I dont understant, not having no management training at all, never had a complaint in my files, never got a warning before and why i was let go!!! and didnt have the chance like others did.. two of wells fargo branch managers have gave me the advice to hire an attorney and file a complain with the estate labor. i'm not sure what's the best thing to do first.