I understand that everyone is upset about gas prices and the large earnings of the oil companies, but has anyone noticed the record profits these financial behemoths are making? Exxon Mobil for example had revenue of about $320 billion last year and earned around $36 billion in profits. That is a profit margin of about 9.6%. On the same note, Citigroup, which is the largest American bank, had revenue of about $85 billion but earned a whopping $24.5 billion in profits. Where is the outrage here? It seems like I have to pay more and more just to use out of network atm fees, not to mention them allowing my check card to make multiple purchases even though I don't have enough funds just so they can charge me an ever expanding nsf fee. I think it's now about $40 per incident. They also charge for on-line banking via quicken or money and the rates they pay for savings interest is an insult. They even have the nerve to charge me $10 a month for a business checking account and just for good measure they also charge $5 per month for a business savings account. The Bank employees treat customers like we are interrupting whatever REAL work they are supposed to be doing in the branch. Please... someone help me on this. Where is the shame for these financial institutions. Maybe we should have a windfall profit on them too!!

Give some of your profits back in the form of higher savings rates and/or reduced fees on your accounts. They should also lower those out of network ATM fees. I can't tell how many times I have to drive around just looking for a wells fargo branch so I don't have to keep paying fees.

I am writing on one last attempt to reconcile the problems with my account. I had several small check card purchase which for one reason or another did not go through until after my account had run low. I was charged $34 for 6 or 7 purchases under $10. I was under the impression that these purchases would not go through on my debit card if they were not going to be covered and/or taken out immediately.

In the past I have liked your service but other than availability in most cities, there is nothing irreplaceable about it. I closed my account immediately after seeing these charges as I'm working in Osage, WY for a few months. My sister is handling my local business, she has power of attorney for that purpose.

If you would consider refunding these charges I would reopen my account as I noted, it is convenient. I have a direct deposit of $400-600 per week.

I have been with this horrible bank for three years and by no means do I feel like a valuable customer. Wells Fargo has shady billing practices at best. As charges go through they will immediately impact your balance, but will remain in a pending status. For instance, if there is $100 in your checking account, and you make 10 transactions of $9 each, you will see your balance at $10. At that point if a bill payment was scheduled to go out for $110 the system still lets it go. Now what you'll see is 10 $9 transactions, followed by a $110 bill pay, all in pending status. Within 24 hours though, that list will flip on its own. Suddenly the $110 bill pay is in there first and no longer listed as pending, so you're $10 overdrawn. Next all ten of those $9 transactions will become permanent and no longer pending, so now you're $100 overdrawn. Even though on your register you will show the same starting balance, Wells Fargo has just found a way to charge you $340 in overdraft fees instead of the $34 you should be charged. So it's okay to mess with pending money if it's going to make them more money, but if while these are all still pending you deposit $150 in your account to cover it... guess what happens! Yes, that's right, that money will be deposited after all those pending charges are confirmed and you'll be $290 overdrawn instead of $440.

I have already spoken to several dozen people at my work, a good size number of which have canceled their direct deposit and opened accounts elsewhere. I plan on continuing to cost Wells Fargo as much business as possible until I feel either vindicated or compensated. When I have contacted my local branch I argued with a very rude young lady for 15 minutes before finally letting her know that I would simply cancel my direct deposit and close my account. Her response, in far too cheery of a voice, was "Okay great, that sounds like a fantastic idea."

I want Wells Fargo to admit that there IS such a thing as a bank error. I know that their employees understand that the bank misbills and mishandles money. At my work I have two employees who both worked for Wells Fargo for some time, and both of them said they would NEVER bank with Wells Fargo after working there. That is not a good sign.

Since Dec 1, 2007 I have had 23 overdraft fees plus no less than 8 "continuous overdraft" fees. Based on my register and calculations I should have had 5. Over the years I have had quite a number of invalid overdraft fees and I paid them anyway even though I should not have. At this point if I do not get the continuous overdraft fees and the 18 invalid overdraft fees returned to my account immediately, I will close my accounts with Wells Fargo, pay off my car loan with Wells Fargo, and ensure that everyone who will listen knows not to bank there. Don't worry though, after all the many MANY experiences I've had with this company, I'm not holding my breath on getting any response at all, let alone anything actually getting done.

Wells Fargo has destroyed my credit and refuses to repair it! Before I was deployed to Iraq for 15 months, I had changed insurance companies for my vehicle. Wells Fargo was not aware of the change, but knew that the old insurance policy was canceled. Without my knowledge, they added insurance onto my loan. Consequently, $215 of my $550 monthly payment was being taken for this insurance. When I returned from Iraq, I applied for a motorcycle loan, and was denied. When I pulled up my report, Wells Fargo was reporting my loan as being delinquent over 30 days for 15 months. I faxed them evidence that there was insurance on the vehicle the entire time I was in Iraq, and they were supposed to adjust my principle balance and fix my credit report. The balance was supposedly adjusted (though I don't see much of an impact in it as it should be) but they refuse to fix my credit now. They told me a request was never put in. A request? I can't even begin to tell you how many times I requested they fix it! Then, they said it would be quicker to file a dispute with the credit bureau. I did this, and Wells Fargo is still reporting that I was delinquent for 15 months, even though I can provide proof I made all the monthly payments and that the vehicle was insured. I am trying to trade in the vehicle, but can't due to my credit history. Wells Fargo won't even give me a new loan, when they're the ones who messed it up! The requested I get a co-signer, which I provided, but they said because I live in Texas and she is in California, they can't use her. How that makes any sense, I don't know. They are also still trying to collect over $400 in late fees from me. I have repeatedly requested a print out of my updated payment history to show how much of each payment was applied to interest and principle. I have yet to receive it.

To make matters worse, under the Soldiers and Sailors Act, by federal law, they are not allowed to charge me more than 6% interest (my regular rate is 18%... I still ask myself why I agreed to that). I faxed them my orders to show I was deployed and the dates. They came back and said the orders were not sufficient enough. I re-faxed the same orders I originally sent, and now they want me to show paperwork I am still active duty. Why that matters, I don't know.

So, not only have they destroyed my credit and refuse to fix it, they are refusing to help me get rid of a vehicle I no longer want AND they are not abiding a FEDERAL LAW by adjusting my interest rate during the time I was deployed. Wells Fargo is taking advantage of active duty military by adding things onto their loans while they are indisposed without their knowledge.

In addition to placing a complaint on this website, I also plan on filing a complaint with the Better Business Bureau and I have an appointment with a JAG officer to discuss my legal rights.

MORTGAGE RAPE!!!

A+ 2/28 XP Full Doc 40/30 1st
6 month LIBOR
Margin 6.99%
Start Rate/Floor 9.95%
Ceiling 15.95%
1st rate change 24 months 3%
Regular rate change 6 months 1.5%

I NEVER received a GFE on this loan. I was told the rate was 6.99% by the loan officer. Wells Fargo bought this loan from InHouse lender with knowledge that the property was over-valued and the terms of the loan were outrageous.

I have been requesting help regarding this situation since August of 2007 when I found out that the rate was ACTUALLY 9.95%. I have also been working with the loan department workout negotiator for months and have been told one thing and then another thing is done or completely disregarded. I have kept very careful notes regarding every conversation I have had.

Imagine my surprise to learn from an ad with careerbuilder.com that a workout negotiator makes between $13.00 and $14.00 per hour. A high school diploma is required and some "other related finance experience PREFERRED". Must be detail oriented, self-motivated and have ability to organize assigned work. Must be a team player.

I am appalled that my future and the future of my home are in the hands of inexperienced workers, making only $13.00 to $14.00 per hour. It's no wonder that there is no communication and no credible solution to help me in this incredibly malicious loan being offered.

What has been done to us is immoral, not the least of which should be illegal and the powers that be should be ashamed that this type of practice was and is ongoing. Had I known that my actual interest rate would start at 9.95%, I would NEVER have agreed to the loan.

ALSO, notary publics are the only people that go over the loan documents for the purpose of signing. There is no 3 day right of recision with a new loan, only with a refinance. The notary that signed with us gave us no information, simply pointed out the places where we were to sign. If notaries are to be allowed to sign loan documents with clients, they should be REQUIRED to have knowledge and give explanation as to the TERMS of the loan at the time of signing, or the lender should be REQUIRED to sit at the table with the borrower and the notary AT THE TIME OF SIGNING.

MY CREDIT IS RUINED AND I WILL MOST LIKELY LOSE THIS HOUSE BECAUSE OF UNSCRUPULOUS AND WHAT SHOULD BE ILLEGAL PRACTICES BY THE PEOPLE INVOLVED.

I'm sure I'm not the only one who is experiencing this. I have 12-year old twin boys who are completely stressed out that we will have to move out of you home and they will possibly have to change schools.

IN ADDITION, The value of this property is now only $490, 000.00. It has devalued by $250, 000.00.