Wells Fargo Bank
www.wellsfargo.com

Today I had gone into Wells Fargo to cash my pay check, which was in the amount of $1,408.00 dollars. The bank teller had written on my pay check, had me sign the back and apply my right thumb print on the front. The company who I work for bank at Wells Fargo; however, I do not. Therefore, the banker requested that I provide a second piece of identification. I submitted my student I. D. card. She then told me that a student I.D. was not sufficient. I told her that I always use my student I.D. card as a second form of identification. She then had told me to hold on and left me waiting so that she could confirm student I.D. were official. Her manager told her, "Yes; a student I.D. can be used". The Teller then had asked, "How so? It does not even have an expiration date." The manager told her that it was ok. The teller had then scanned closely with her eyes looking at my California Driver's License; afterwards, she had picked up my student I.D. and scanned over it, looking very closely. She then had ran my paycheck through the machine as if she was finally about to cash it; but, instead, she began typing in data on her computer system and then she had looked over my paycheck very closely. She then had called her manager and told her that she was going to call the company that I work for to verify the pay check. Today is Saturday and the company's office is closed. The teller had called the attention of two managers and they both had come back to the window (from where I was standing and waiting) and told me that they were not going to be able to cash my check. I busted in tears of frustration because they had me waiting for approximately 25 minutes, they had wrote all over my paycheck, embarrassed me by making me feel like I was doing something fraudulent, and then tell me that they were not going to complete the process to cash my check. I then had told them, 'Now, how am I suppose to cash my paycheck if you wrote all over it?!' The manager responded and said, 'I don't know, all I know is that we were unable to verify it.' I told her, 'The next time you feel the need to discriminate against someone by refusing service to that person, make sure that you perform your reviews first, before you decide to write all over their property!' The manager told me, 'I have done nothing wrong, do not come back here to our bank again!

I deposited two checks at my local branch on 8/30/2007 for a total of $278.56 and the next day I got a notice online from the bank that stated" we are holding your deposit until 9/4/07 because of unusual transactions on a deposit account". This was bad enough, no explanation and holding a deposit for five days when the checks would clear the local banks they were drawn on overnight. But then on 9/4/07 I received a letter in the mail that stated "we are holding your deposits until 9/11/07" because of "numerous overdrafts in the last six months". Clearly, the $34 they charged for each overdraft was not considered enough to compensate them for the service that they voluntarily provided for a couple of days' loan. My complaint is that the checks have cleared the banks they were drawn on well before I received the letter. How can they add another seven days to the hold on those funds? Is there no law requiring a bank to make deposits available when the funds are actually in their possession? Why does any number of overdrafts (only 4) justify withholding funds for any amount of time. This is outrageous, how can a service provider stay in business while providing such terrible service? Needless to say, I will close the account as soon as they release my hostage funds!!

Today (8/22/07) I attempted (for the 2nd time) to resolve a billing problem with my auto loan and make a payment over the phone. I was extremely harassed without justification by the rep (Trish?) when she refused to explain how Wells Fargo had made a mistake on their billing. In May 2007, I received a monthly statement from Wells Fargo dated 05/02/07 stating the total amount due on my auto loan for 6/21/07 was $.00. I was not surprised as my husband told me he had probably sent 1 or 2 payments ahead at some point. On approximately 06/15/07 I received a statement from Wells Fargo dated 06/03/07 stating a payment of $280.66 was due on 06/21/07. Please note that my normal monthly payment is $300.22. I believed that it must have been a mistake and forgot about it until I received another bill in July dated 07/02/07 stating that $280.66 + $300.22 was due on 07/21/07 and that the $280.66 was past due. I called customer service on approximately 07/15/07 and they denied knowing anything about the statement dated 05/02/07 and asked me to mail a copy to them in "Customer Correspondence" and they would contact me. That same day I mailed them the payment due for 07/21/07 for $300.22 and a copy of the statement showing $.00 due on 06/21/07. I received a statement for August dated 08/02/07 saying $280.66 was "past due" and $300.22 was both due on 8/21/07. I realized I would be late on my August payment on 08/19/07 and attempted to contact Wells Fargo today to make a payment for the August amount and to inquire about the resolution of the $280.66. I called 1-800-880-8554 and was transferred two times and a female named "Trish"?? answered the phone. After she updated information, she told me about the amount past due and I asked her about the amount in question which she claimed to know nothing about and instead proceeded to interrupt me throughout the call as I tried to find out why the statement dated 05/02/07 showed $.00 due. She continued to accuse me of not making a payment in May or June until July and would not let me speak. She said she could explain and merely repeated exactly what she had said with accusations of not paying my payment for two months, which makes no sense for her to say. She continued to talk over me while I asked her questions and I raised my voice loud and she refused to let me speak to a supervisor or anyone else who could help me resolve this situation and I could make a payment for August. She was the rudest rep I have ever spoken to and I was in shock at her behavior. That was the worst customer service I have ever encountered. I merely wanted to be given an explanation of the charge for June that was changed and to make my August payment; however, she refused any type of assistance whatsoever.

I want to know why I received two statements with two different amounts and I want a message on my account saying that the only payment that is late right now as of today is the August payment. I also want an apology for her utter display of rudeness and lack of concern for customer service.

To Whom It May Concern:

I have been as wells Fargo customer for a while. The reason I am joining with them because they have a direct deposit which can deposit my paycheck into bank account. In the beginning of June 2007, I have a cash rotation issue due to my car broke down. I applied 2 short term online $350each from usflashcash.com and payday-loan-yes.com. On an electronic signature online I select very clearly, I got paid twice a month a 5th & 20th. First of all they both charge me before due day, a well Fargo charge me $34 X 2pcs over draft fee on both items return fee. A day after will continue charge me $5 until I paid off over draft fee. I am in threat on both way if loans company keep trying recharge my checking account again a over draft keep adding more and more. To stop doing that I email to a loans company and called they left a message but no reply. I called wells Fargo wait for 20 minutes on a phone and speak to a human being, I request put a hold on both loans company if they ever try to charge on my account again but a customer service said "he won't able to stop it. I spoke to a manager name Kathy Sprague; she said "I have to deal a loans company not with well Fargo ". She won't able to help me either. Two days later a loan company was hit on my account $90 principal fee plus $15 return fee for 2 days earlier.

I had to suffer another 68 dollars again for return fee. , I agree that people should try not to overdraw their account, however...we are all human and it unfortunately happens.

An overdraft fee has been threading me for this two months, I couldn't sleep well because thinking about a hassle of being paid over draft fee to Wells Fargo. I woke up early at 3:00 AM on August 07 2007 and get online check on my account statement. A loan company is in pending charge me $90.00 which would might cause insufficient funding over draft. I drove me car immediately to wells Fargo ATM machine deposit $100 dollars in cash to prevent any over draft fee might cause but they still charge me any way. Okay. I AGREE that I should be billed a ONE TIME $34 fee, unfortunately happens. With that said....Wells Fargo rips off consumers by submitting the debits on our accounts OUT OF SEQUENCE!!! For example I had an available balance of $77.00 balance in my checking account on August 04 2007... I make two small purchases by a debit card. One was $6.55 and the order was $11.40 on august 04 2007 and both debit on my account after that would leave me a balance of $59.05. I called them they said Saturday and Sunday is not a business days. They go by Monday charge fee and reverse the other two small purchases on Saturday end up with charge me 3 over fee again. It is very hard to get out of debt at this point, while I have wells Fargo giving me many different fees, I think a federal should put a limitation on how much fees they can do in a month. I have been paid 32 over draft fee X $34 each $1088.00 plus 7time $5.00 continue return item fee since June 2007 to now. A whole month of my hard working salary was ripped off by well Fargo, I became wells fargo slave they ripped me $1123.00 dollars in total since last month.

THEY CONSTANTLY DO THIS!!! THIS IS NOT FAIR BUSINESS PRACTICE!!!

Best regards,
Johnny

I have my auto loan with Wells Fargo. Earlier this month, they called me and told me that my June 07 payment had been reversed but they don't know why. I checked with my bank and found the check was paid on 7/5/07. I called Wells Fargo and told them, faxed the information to them and they still can't figure out what they did on their end. But alas, it gets better. On 7/19/07, I made my July payment (which was due the 16th) via their web-site. I also received a call from their collection department that day about the July payment. I told them that I made the payment on-line (via check) and the girl told me that the payment was rejected because they would not accept a check from me (although neither her nor I knew why). They wanted me to go to my bank, get $600 in cash and MoneyGram it to them. I told her it would take me a few days to do this. The next day, 7/20/07, another collection rep called me and we went through this whole big speel about how they screwed up the June payment and how I paid the July payment on-line but the other girl said it was rejected. In fact, I even received an email from Wells Fargo saying that the on-line payment was rejected. So, the girl says that she doesn't see any reason why I can't pay by check, so after confirming with her that the on-line payment was deleted and wouldn't be processed, I gave her a check by phone. Guess what? They deposited both the check by phone that I authorized and the on-line payment after rejecting it. They overdrew my checking account and have now cost me $245 in NSF fees. I called them yesterday and nothing got done. I called today and got a supervisor by the name of Melissa who got really crappy when I threatened to sue them. I am still overdrawn on my checking account, I don't have any money in my pocket and these fools at Wells Fargo are totally incompetent. I will tell you that if I don't get my refund plus my bank fees by 3 p.m. today, I am filing a criminal complaint for theft.