I have been a loyal customer of Wells Fargo for years and recently found myself needing a power of attorney which I obtained...then when all was better and I no longer needed the POA. I went to my local branch got the information I needed to remove the POA from my account went back with the information requested and with my POA and was told I needed additional information and have it notarized.
Well it was a Saturday when I returned to receive this "great" news and there was no notary in until Monday the following week, my POA and I rearranged our schedules to complete this SIMPLE transaction (so we thought) I called Wells Fargo directly to inquire again why I was told one thing and then another at the branch...as if I expected an answer...Now I must jump through more hoops to satisfy Wells Fargo again ! I am sick and tired of these conglomerates taking advantage of the little guy!

We spent the last year working with Wells Fargo on refinancing our second home to help put us in a better financial state. We met all the conditions they required. We were just simply told by the lender that they would not do the refi. We could not of had better credit, background and financials. We feel that they just did not want to loan the money at this low interest rate at this time. So much for the Obama admin telling people to get their finances in order and make good decisions. The banks do what they want for their benefit, not ours. We have been with Wells Fargo for 10 years. I told them that they lied to me and misrepresented themselves. We have choices also and we will be making one to change banks. Also, I am letting everyone know our story. Word of mouth is huge! This is another situation where you can not trust what is going on in our world today. Beware!

We moved here from Canada 2 yrs ago with over $200, 000 cash. I had to wait 4 yrs for my visa. We bought a house for $300, 000 and put approximately 100, 000 down on it. We then had to spend another $20, 000 to repair it. Since then I have put another 60, 000 (large shop) into the property and I have worked for a US company for 8 months then started a business employing profesionals in the area. The bank would not put my name on the mortgage because I was still working for a Canadian company. I was a long haul trucker and owned a 2000 Volvo truck free and clear and drove from Calgary, Alberta to Miami and various points along the mexican border hauling meat. They also would not accept my Canadian credit information which was very good, but religated me to that of a high school grad with nothing. At that point I was worth about $250, 000 and had only the new mortgage as debt. I applied for a credit card and was turned down because of lack of credit history. My Canadian credit card has a $32, 000 limit on it and was almost always paid up on time. I finally got one from Wells Fargo but had to pre-pay $500 for it. I set it up to be automatically withdrawn if I forgot because I was trying to improve my credit rating from the 0 that it was. I used it while on the road in my truck and always kept up the pre-paid on it. When I quit trucking I quit using the card. Shortly afterward I recieved a note that I was overdrawn on my checking account and when I checked it was because the automaic withdrawl had taken out a payment for the credit card. I cancelled that and the next month got a letter telling me they had not recieved my minimum payment for the credit card and charges had been added along with interest. After many calls to find out why I had to make payments on my own money I was told that it was a regular credit card and my money was only being held to secure it. So I have to 1] make payments on my own money and 2] pay interest on it as well as 3] pay any charges the bank wishes to add such as late payment fees etc. I don't see that they are paying me any interest on my $500 they are holding. I was also advised that they could not give me a real credit card because my score was under 600, when it was 640 that day. I have since been advised that I will not be able to qualify for another year because I missed making a payment on my own money when I quit using the card.
I also attempted to acquire some overdraft protection recently and after over a month and about 5 different agencies in Wells Fargo I don't qualify. Oh yes they will take my volvo S60 as colateral to pay off my 1700 credit card. I am presently worth almost $200, 000 and my credit rating has gone up to 670 so what is the problem. We have started up a new account at another bank and recieved a $2500 credit card on the spot. I have also been approved for a $50, 000 loan on another truck that I will be picking up soon. I have never been more humiliated by a bank in all my life and greatly resent it. Another embarasing thing is that they cannot seem to get my name right. It is W. Ralph Clark and they will not change it from William R. Clark. I have been known as Ralph from birth (parents choice) and would like to keep it that way. The other bank had no problem withthe name at all. I have been humiliated beyond reason by this bank and think they need a lesson in customer appreciation.
W. Ralph Clark

We have three different family accounts with Wells Fargo. Every account has had mulitple espisodes of deposits that just go missing. In each situation WF has been completely unaware and "mystified" - I go into the branch, show them the receipt and they tell me they will research it. Always it is the same answer. The teller did everything correctly, but something went wrong when the deposit left the bank and it was "lost". All of the funds so far have been recovered, but having this happen so often is very strange and the fact I have always had to discover the problem myself while they are clueless is very disturbing. If you bank at WF, NEVER loose a receipt and watch your account daily to make sure your deposit is actually credited to your account.

Obama says that he will see to it that banks cooperate in the modification of home loans to avoid foreclosure. My granddaughter and family have been trying (WF is very hard to connect with) to get a modification. Husband is working but pay has been cut as well as hours. There are three small children. Mom is going to school to get into a nursing job to help the family. They are trying so hard, but as it goes now they face foreclosure. Does WF really want another house?