I've been trying for 3 months to know if I qualify for a loan modification with Wells Fargo and ever since I have been lied and cheated on.
The first time, I was denied because they supposedly never received a fax with the additional information they were looking for. I still have the confirmation page from Staples...
So, what I was told after this fiasco was to send the information by mail (which I did; registered) and call a couple of days later to make sure it was received. I did and I was told the information was received and that "they were working on my case". Two weeks later, I receive a letter saying "we are unable to adjust the terms of your mortgage" because "we have been unable to reach you to discuss your situation". BS! I was never contacted. No phone calls, e-mails or letter.
So I call again, pretty pissed off at that time. Same story: I need to pre-qualify again. I spent an hour to try to talk to the person's supervisor without success.
I'm trying again and I think this time I will call everyday to make sure that "they are working on my case".
Something is telling me I won't be successful but I'm unemployed, I will spend the time to bug them.
Bottom line, I got 6 mortgages with Wells. There won't be a 7th and I will make sure my family and friends know about their non-respectful and dishonest practices when it comes to helping people in distress.

Wells Fargo is absolutely the worst run company with regard to customer service and follow up. We were told we could get a 2 month extension on paying our auto loan so we applied. The the fun started. After about three months of harassing phone calls and one "no-customer service" person after another telling us we were behind, we had been approved, we hadn't been approved, or not knowing at all what the situation was, we gave up. Since then we've been trying to play catch up but that doesn't stop the harassing phone calls. All hours of the day and night, 4, 6, 8 or more times a day. Some of the Wells Fargo people are down right insulting while others come off threatening. Some play the game of acting concerned and sympathetic and then pounce on you once they realize you're not going to give them any money over the phone.

Moral: If you're thinking about buying a car, home or anything that requires a loan, RUN don't just walk away from a Wells Fargo Loan. Perhaps if more people avoid this incredible badly run company, they will change their ways or maybe even sometime down the road, cease to exist. Remember, do NOT use Wells Fargo - you have been warned.

I'd had a line of credit that I'd never needed to use. When I was starting a new business, I went to my local branch to ensure it was still active. They told me it was. They even called the main office who also confirmed it was available to me. I therefore transferred $150, 000 into my checking account from the line of credit. The teller suggested that I open a savings account so I could get some interest on it. The next day I transferred the funds on-line from my checking account into my savings account. FIVE DAYS LATER they took the money back my creating a debit in my checking account of $150, 000; froze my savings account and then took the money out to pay off the overdraft that they created. ALL WITHOUT NOTIFYING ME. I have since written many letters to them with no response, other than computer-generated unsigned letters that do not actually say anything. My Lawyer called them and they refused to connect him with their Legal Department. He has since written to the CEO and has not even received an acknowledgement. This is a company that received BILLIONS in 'bail-out' money from the taxpayers. Oh - both my houses are mortgaged with them and I have been a customer for over 12 years with no problems whatsoever. If this is how they treat good customers, how are they treating the 'bad' ones?? An utterly disgraceful and despicable way for any bank to behave. What they did was illegal, and the way they treated me afterwards is beneath contempt. If I could afford it I would sue them.

For those considering opening an account at Wells Fargo Bank (or even considering whether to stay or not) Read on ~ WF is not a consumer focused bank ~ they are there to make money and money off you is written in their policies. One main contention amongst many WF patrons is their policy to post debits first before deposits (and in the higher amounts first) which has caused a many people to have overdraft charges. Note with this policy they can capitalize on many such transactions that would normally not create an OD and drain you of funds in excessive fee's and charges! Here is the math on a general amount (hypothetical but based on true experiences)

i.e. A persons account say has positive
(+) 50.00
that 11/25 day they deposited $100.00 cus they realized a larger check would clear.
Say checks or debits issued and received in the following order
ck1 -15.00
ck2 -30.00
ck3 - 65.00

Normally in good bank establishment they'd register the deposit first ~ 50.00 plus deposit 100.00 would equal 150.00; and then deductions -110.00, would apply and note ~ no overdraft. Hmm a positive 40.00 left on account. What a concept...good general banking and accounting.

But according to WF policy, this is how it will post to their advantage.
(+) 50.00 balance on acct.
They will now post debits first in the highest amount first
(-) 65.00 Ck3 ; making account overdrawn so cha ching ...WF doin the happy dance we can charge a fee!
(-) 35.00 OD Fee
(-) 30.00 Ck2 ; making another OD fee ...so cha ching ...WF slammin down who hooo! they can charge another fee!!!
(-) 35.00 OD Fee
(-15.00) Ck1 ; making another OD fee ...so cha ching cha ching a ling ...WF is laughing their ass to the bank...well they are the bank HA HA on that dumb consumer !!! WF just made a easy $105.00 of this dumb consumer.
(-) 35.00 OD Fee
Now they apply the deposit
(+) 100.00 (which is now eaten up by the OD fees, leaving the account in minus status)
_________________
(-) 65.00, which automatically daily will accumulate an overdrawn account fee of 5.00 til covered.

So not only is the consumer out this extra fee's; they now have a minus account balance, which any checks they were hoping was covered by what they should have had (+40.) is now gonna be eaten by the OD fees and will cause more OD fees for not being covered, say 5 days go by before the person can cover the negative (-)65.00 ...thats another (-)25.00 to WF. And remember is any checks that were made (lets say the person had known at time of the 100.00 deposit that normally they'd have their positive 40.00, so they bought milk and paid a simple 2.75 for their milk.
Ck#4 -2.75
Automatic OD fee -35.00 ; and another day gone by -5.00 fee .

ETC, ETC, ETC ... ah the HORROR that this bank is allowed to do business!


See the insane circle ~!

Well it happened to me too (excessive OD fees and ridiculous WF excuses why they personally cant assist you) ~ the first couple times I just bent over and took it ~ then the last time I felt with proper paperwork and proof the branch will be cooperative and understand and stupidly I took the info down to the Branch, I explained how the charges were incorrectly hitting my account which is causing the O/D's ...the Branch Manager said she didnt have the authority to change anything ~ even tho all I was asking is the extra (note EXTRA EXCESSIVE ) O/D fee's to be removed and how I could prove with receipts ect and even the shops deposit records that WF was posting the charges incorrectly. When the branch wouldnt do anything about it ~ I scanned all the info and sent to the customer service contact given to me to contact. This is what I got back

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Overdraft and Return Check fees are posted to your account on the business day after the actual overdraft occurs. (No duh ...but you forget to mention that you do this before the deposit that was made to cover the checks)
In reviewing your overdraft fees, I found that although you made your Check Card purchase at xxxx for $8.25 and $5.75 on 10/16/2009, xxxx did not present this transaction to Wells Fargo for payment until 10/19/2009. (Which again ...duh ...which proves my point of WF showing how they posted it, not how it was orignally posted by merchant!)

(So even tho I could prove that xxxx deposit records said different, WF was not gonna budge and then more blah blah blah in the letter on how its not THEIR FAULT etc ... but note I never said it was or wasnt their fault, all I was asking was that 2 of the 3 O/D charges be removed because I could prove with receipts that their was funds in the account at the time of the charge...but Nooooooo they'd rather lose a customer than lose their precious extra fee's and predatory income they sooooo rely on ...all Ive found are bad reports on Wells Fargo ~ so never again with me and Im telling everyone I know how they treated me...the letter continued)

At your request, I have closed your Custom Management Checking account effective today.
We realize that in today's environment, customer service often becomes the deciding factor when a customer chooses a financial institution. Wells Fargo is truly committed to coming through for its customers. ( Yah right~~!) Our goal is to continue to meet and exceed your service expectations. (If that was so a simple ~ removal of EXCESS fee's wouldve been the answer!)
We are sorry that we failed to meet your expectations but hope you will allow us the chance to serve you again in the future. (Again ~ Never again!!! EVER! And I tell this to anyone I know, meet or brings up WF or banking! I tell them the truth of my experience and have a receipts and letter to back me up)

BOY COTT WELLS FARGO until they change their policys

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McKinney, Texas
In late October, 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!
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Tracy, CA
I too have been a serious victom of Wells Fargo overdraft and wrongful practices. upon moving to Tracy Calif. in April of 2008 I opened a checking account with WF Bank. It was to be a automtic deposit account once the proper papers had been filed with the State. I opened with $600 chck & $200 Savings to hold till the automatic deposits began. I stated I wanted a basic ATM card. During the intial set up the associate assisting me was interupted a couple of times and working with another issue also. But it did not trouble me as I had my Down Syndrome daughter to look after also. The first statement arrived and I was surrprised to find that I had already had an overdraft charge. Had to be a mistake and I was going to look into it. then the stream of notices that my atms were also overdrafting. I went over the two statements and it began with a $12.00 annual fee for what ever type of account they were listing me as. I went in and explained to them that I was not to be charged any fees until my account actually began collecting the automatic deposits. I showed them the $12.00 fee and the $75 charge for automatic transfer to my savings. which began the overdrafts. for the next 4 or 5 statements I received so many overdrafts all my savings were used and in June when the deposits acutally started, Wells Fargo was eating up 3/4 of my deposits within two days of my deposits. Some were $400 to $500. I went in again. I called, I wrote and have many of there corresponding letters. Stating they were completely in there rights to clear all checks before any atms. I argued and complained. I send copies of how the atms were used. I was told by the associate in the band that I should not be in the habbit of using my ATM on such frivolous things as buying hamburgers at McDonalds! I told them what I use my atm for is my business and that that is the whole point in asking for it when I opened the account. That I surely wouldn't have used it if I was paying $64.00 a burger. I began falling behing in all my bills because they were eating up all my income! My deposits were $840 and I was lucky to see $250 - $350 of it. I called and said "you can not tell me that on the 27th my deposit was good on the 29th I am -$450.00 and still accuring.. Still nothing was done to help me. the last direct conversation from the main branch. Was very rude and a direct " Well that is to bad! you owe the default amounts and we can deduct the withdrawls in which ever order we want to! It is perfectly with in California law how we practice business!" I stated "My atm is and was good at all times. I know that if I don't have enough money the machine will tell me insufficient funds! you are telling me that two weeks after my atms are cleared you take a check from whats suppose to come out of a new deposit and it makes all the smaller atms bad! you can't do this! My whole world is collapsing and you say it's too bad!"
I am just so glad to see this lawsuit because I sent them letters stating I would sent my info to anyone who would listen. I've ruined any credit I was trying to establish! I am so far behind and even up to two months ago Wells Fargo finally closed my account threatening to take me to court and use whatever means to pay them.. I survive on caring for my daughter and her SSI and they didn't even care. I have all letters and statements. This is so wrong Im even having to lose my current place of residence because of being late with payments. WF actually double deducted my auto insurance payments because the stated they were sent back and then you would see them both on my statements. I called again. They sent papers that I would have to get notorized by a certain date or the amounts they put back in would be reducted. God I pray too get reimbursed and my life put back together as we are ruined!!! Sincerely, Stephanie
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Des Moines, IA
WellsFargo dod the same this to us. We are disabled and last November deposited over $43, 000 into our account. We have never been overdrawn before. Suddenly, last July we started accumulating overdraft fees to the tune of $490. Plus what they said we spent. Why, if there was no money in the account, would they allow a transaction to go through? Needless to say, the Oregon Overdraft call center began to call. I have on our caller ID, just from the past 3 days almost 20 calls. Six and seven times a day. They do not want to identify themselves ot let you talk to a supervisor. We went to our bank Fri. and I had already went through the online banking and fiund that there is a bank error and not only are we NOT overdrawn, we should have over $1200 in the account. So I call the call center to tell them to stop calling, that we just went to our bank and the bamnk manager is handling it. The woman, her name is Chandra, told me that I was done talking and asked when I made the deposit to cover the overdraft. Not matter how many times I told her that we were NOT overdrawn, she was too stupid to understand apparantly. Then when I told her for the hundredth time that we were NOT overdrawn, this woman had the audacity to start LAUGHING! At that time, my husband took the phone away from me and told her about herself. Now we have no money, overdraft charges, owing money to the bank and the whole time we actually have money in there, but until they fix it, we're broke. I was on the bank site for over 3 hours going through it line by line. As soon as this is cleared up, I'm taking our business elsewhere. Someone needs to crack down on these unprofessional, rude, snotty, assholes. They have harrassed us for WEEKS! Every day, day in and day out. No matter how many times you try to tell them that your bank is handling it, they just keep calling. Even at 10p, on Sundays (both of which are illegal). I'm in the process now of reporting them to both the Iowa and Oregon Attoney Generals. My Mom had major accounts with this bank and we've had HUGE amounts of money come in and out of our account. I'm tired of these assholes being rude even to my children! I agree with the comments above. these people are no different than predators. While their fat ass CEO's sit at their desks and their kids go to private school and skiing vacations in Europe, I don't even have enought money for a gallon of milk. All because of their bank error. My husband and I doubt very much that we'll ever see our money. Their mistake-we pay. Thanks for nothing WellsFargo!!
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Denver, CO
I opened a Wells Fargo account in Denver, CO for school. I had been a 3-4 year customer of BoA and had no intention of changing but I was unfortunately forced to as BoA does not have branches in Colorado.
After not checking my account for a 3 day period, I signed on to look and lo' and behold I was overdrawn in the hundreds. The cause? A $5 overdraft, hit with a NSF fee of $15, and an overdraft fee of $35. A $5 overdraft that did not exist mind you, it was another one of their banking mistakes. I called them, the issue was sorted, but they did not refund me the money they took from me, and I stayed in the red.
This overdraft ridiculousness then continued. I was being hit with overdraft fee over overdraft fee. Being hit with overdraft fees FOR my overdraft fees and very shortly I again had $200+ overdrawn. When I attempted to get help they claimed it was from 2 weeks ago when I made a $10 withdrawal at my campus ATM and that it took 2 weeks for it to debit. That it was my fault.
They of course did not return any of my money. And for the Consumer rebuttal fanatic who will say I should not rely on online as my guide, I didn't, I use a check register. Wells Fargo defrauded me. Period.
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Moral of the story ~ WELLS FARGO SUCKS

You would think that the people that work for them have never had anything happen to them. Why not give someone a chance to make payments. I mean they don't even send you a bill on time and expect your payment to be on time. The way these people treat you, as if they are not human. Right now people are still loosing jobs and they can't even give you some extra time to make payments. If I knew then what I know now I would have never used them. God does not like ugly and their whole company is ugly. I swear I can't see their company staying around to much longer, If we all stick together and work with each other not to use Wells Fargo. If you know whats good for you and your credit you would not use them!!!