First, let me say I made the mistake of overdrawing my account. There was one large check for over $4, ooo, then several small checks and debits which all cleared the same day. This bank works it out so the large check is debited first, depleting the account so all the other small charges rack up their $35 overdraft fee. What could have been one O.D. fee becomes $315 in O.D. fees assessed in one day! What a racket. How is this legal? It's two weeks before Christmas and I feel as if I have been mugged. I need a bail out.

We have been customers of Wells Fargo bank for about two years. We are currently in the process of seeking out a more honest bank to switch our accounts to.

Wells Fargo has made it a habit of fabricating overdraft charges every month and in all has probably stolen more than $1000 from us by doing this. They do this by 'moving around' charges so that if we come close to 'going over' they can charge more overdrafts by putting smaller charges towards the end.

They do this by charging Overdraft fees on the SAME day we make large deposits. They do this AFTER we have deposited the money; acting as though it was not yet in there.

They do this by placing a 'hold' on our PAYCHECKS when we deposit them. Our PAYCHECKS!! They will not clear them until midnight that day or sometimes not until midnight the NEXT day. These are paychecks from known, reputable companies.

Despite REPEATED efforts over the years (ten+ times) of talking with a banking representative, they have only agreed to take off a charge ONCE. Most all of our phone calls to the bank results in them 'talking down' to us and suggesting that we manage our money better.

This company is shady at best and does NOT have the customer's best interest in mind. We would very much be willing to participate in a class-action lawsuit, if anyone is pursuing one.

I would definitely recommend that people watch out for this bank and not let them get a hold of your hard-earned money like they have done to us and so many others.

In late October, 2008 my checking account was overdrawn on 3 items, and the same 3 items continued to hit and accumulate overdraft charges at $35 a crack. There was another item that showed up that was an error and should not have been there at all...again, more OD charges hitting multiple times.The OD fees were so excessive that any money I did get I needed to live on and could not sacfifice to these fees. Finally almost 60 days later I got a nice check for about $1200 and cashed it and went to see my Wells Fargo Branch manager. Matt Kaillail is the biggest asshole in the world. He never did return any of the calls I made and as I was forced to deal with a Personal Banker named Tamieka, she was the go betweeen. Even she was not professional enough to return calls except when I came into the branch on a daily basis trying to chase down a answer. I was told that Matt had the information was on vacation and would "Take care of it on Monday". so believeing this jerk, I deposited $800 to bring my account current thinking that Take care of it would mean reversing the almost $600 in OD charges that had accrued to date...these fees are pure profit and can be waived and it is no skin off anyones nose! Instead of calling me as Tamieka promised he would, I got a call from her telling me that he had looked into it and because there was no "Bank Error" he was not going to reverse the fees. Basically they stole from me $600 I badly needed to pay bills etc. I went through this last week', my 9 year old sons birthday and Thanksgiving weekend with virtually no money because of this lying no count thief at the Wells Fargo in McKinney! I intent to find out who his boss is and start chewing my way up the food chain until I get my $600 back and get this asshole fired! This is not the way to tell your customers that they are important to you and you want to keep them. Matt told me this morning when I went to visit him in his office. "If you cannot manage your account it is not our fault". What a jerk! I will tell everyone I come in contact with to stay away from WF and especially that branch and that bald headed asshole Matt Kaillail. I opened up an account with what little money I had left with Bank of America and told them all to F off!

I recently Received a check for 1, 000 from a friend to help cover my rent for the month of November 2008. I deposited it by Atm on a Saturday, Expecting the funds to clear by wednesday or thursday. When the money failed to appear I called the National Customer Service Line and was informed that a 21 day hold was placed on the check because they could nt verify funds in the acccount the check was drawn on. Which is laughable because my friend is a multi-millionnaire, and the account is an Assets Management Account, that liquidates assets on demand to cover checks drawn on it. I called my friend and she called her bank, and they faxed over the information supposedly necessary to release the hold. Should be end of story...but NO...

This Woman Erin I'm forced to deal with promised she would get right on verifying the funds, making sure the hold was released.
She did nothing of the sort! She spent the next 5 business days avoiding my calls, claimed she never received the fax, refused to return my calls, and gave me the run around at every turn.
By this time, actually even before all of this rigamarole, the check had cleared my friends account!!! Wells was holding on to MY money to verify there was funds in an account they already knew was Solvent!!! I have been to the bank personally now three times in an effort to have this resolved, I have personally contacted the bank in Missouri and spoken with the account rep. and she has been more than helpful in attempting to help me resolve the matter.

Today I went in and waited for ERIN to return from a leisurely jaunt to go get some iced coffee with her co-workers, when she returned I expressed my exsasperation, that I was facing eviction, that I had already called the bank in Missouri and the account rep there was ready for a phone call to get this straightened out, and one of her co-workers blithely informed me she needed to make a conference call for this, and wouldn't be available for another hour!!! I said I would return at 10.30 sharp, that I was determined to get this matter resolved this morning, today by the latest! I am definitely moving banks as soon as this fiasco is over.

In 2002 I signed as a loan based on a personal agreement with the president for IBE (International Business Exchange) I was paid $50k as a silent partner. In the end the company went bankrupt and I was never informed and move out of the country. In the meantime the bank went after the partners and in the course of this they actually went after someone with a similar name as mines. The person has been fighting Wells Fargo for four years and I was never informed as to this mix up. Over the weekend I was contacted by the ex-President and he informed me of the mix up. I felt so bad about this and Wells Fargo has ruined this man life and I am so sorry so trying to do the right thing I contacted the bank today and was just shocked as to what I was told.

I told the Post Judgement Account Officer Brent Westman who I was and that I was the person he has been trying to contact and he has been filing legal paperwork against the wrong person. He asked me my social security number and name and pretty much told me he has a judgement and that I had to go to court in order to resolve this. I told him I would meet him at any bank in Modesto to resolve and resolve this mix up to resolve his actions against an innocent customer.

Wells Fargo bank has taken this customers saving, checking, garnish this gentleman wages, he was laid off his job due to this adverse action by Wells Fargo Bank and this Mr. Westman has taken it upon himself to ignor any information that could have cleared the customer. I am not understanding how a bank can just treat a customer this way and take his money and void his bill pay on-line to cancel his payments then put the money back in his account and then take all his money and apply this to this debt that doesn't belong to him.

I went to the county records office today and found the documents and it is Prime Loan/Judgement # 3792923057-26 filed in Alemeda county court. The paperwork doesn't match up to me or the other person but it has bit and pieces of both of us which is quite odd. How can a bank get a jdugement when it doesn't have the correct information 100% yet can do whatever they want to harm an innocent person.

I was told that I have to get a lawyer and sue Wells Fargo and all I was trying to do was let them know I am the person who signed for the loan and they have been attacking the wrong person. This is a financial business and someone needs to report this. I am trying to find someone at Wells Fargo Bank high enough to complaint and have this corrected. In the end I shall sue Wells Fargo and I hope the customer who has been treated this way does the same.

Regards,

Joel Miller