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 EntryNo: 3137
 Date: Thursday
02:18 PM
Mozilla/5.0 (Windows NT 5.1; rv:37.0) Gecko/20100101 Firefox/37.0 Ken
Firefox Costa Rica
My disgust with Wells Fargo began about 15 years ago when it bought my mortgage and claimed that I didn't have the required homeowner's insurance. But I did. For over six months calls to customer service, binders mailed from my insurance company, and certified letters from me with copies of my insurance policy went ignored by the bank, until one day the bank finally removed its incorrect an inflated insurance premium from my mortgage bill. There was never any explanation, much less an apology from the bank for the six months of hell it put me through, and I swore I would never again deal with Wells Fargo. In fact, when I refinanced, I purposely chose a different bank.

Well, becoming Wells Fargo free was not as easy as I hoped, since Wells Fargo promptly bought my refinanced mortgage from the other bank and then bought the entire bank. Not only was my mortgage back with Wells Fargo, but so also was my bank account. So much for consumer choice. Worse, by then I had moved out of the US and couldn't open a new bank account. I was stuck with the one bank I had refused to do business with.

Naturally, as soon as Wells Fargo bought my bank I was hit with new and unexpected fees. Odds are that somewhere in some fine print I was notified of these new fees, but I'm the kind who actually reads the fine print and I didn't see them. In any event, Wells Fargo managed to get a few surprise fees out of me, which I took as business as usual from that bank.

Fast forward to a couple years ago when my mortgaged property, by then rental and worth much less than it had been before the real estate bubble burst, needed a new sewer line immediately and I didn't have the money. I called the bank to ask if there was any way for it to add the amount I needed for the sewer line to my equity line or something like that, and the answer was no. It was a curious kind of "no" though. The customer service rep said that if I was behind in my mortgage payments, which I wasn't, there would be programs for me, but since I was current in my payments, there weren't. This sure seems like a dumb way to do business to me. It would make more sense for the bank to help its good customers than its bad ones, but that wasn't Wells Fargo's policy.

I struggled (and lost money) on the rental property for almost a year more, until I finally concluded that it was a lost cause and stopped making the mortgage payments. By then I didn't care whether the property was foreclosed or refinanced, although refinancing seemed a smarter move on the bank's part, and I assumed that after I stopped making the payments the bank would finally negotiate.

Wrong! After hearing nothing from the bank for months, I called a bunch of 800 numbers and finally found the person supposedly in charge of my account. She told me that a mortgage modification offer had been sent to me, although I never received it, but she added that it didn't matter because the offer had already expired. She wanted though three more months (the foreclosure was delayed)in order to see if we could work something out. I said, "Fine, let me know."

The next I heard from her was after the foreclosure when I received a form letter explaining that negotiations were closed because I withdrew from them. I did no such thing, but whatever, it's what the bank wanted to put in writing.

IMO, Wells Fargo lost around $100,000 needlessly by the way it handled my foreclosure. This was a salvageable business deal, but the bank didn't even try to salvage it. I gather $100,000 is chicken feed for it.

Meanwhile, I was confused, since the mortgages remained on my online account after the foreclosure and nobody notified me that the foreclosure happened. The title was still in my name after the supposed foreclosure, so I wasn't sure that it even happened. Granted, dealing with the former owner of a foreclosed house isn't anyone's top priortity, but I would think that the former owner would at least be informed when checking online. Wells Fargo didn't so much as notify me.

It did though send me an online notice that one of my accounts was going to revert to a regular account on May 1, and from that notice I deduced that the foreclosure had probably happened. I think that account was conditioned upon my having a mortgage, so somewhere in the bank's records the mortgage was probably removed.

I decided, of course, that I would simply close that account before May 1, since I had another one with the bank and didn't need two. However, I didn't act quickly enough, because the bank charged me a $30 fee for that account in early April. What??? I thought I had until May 1. I emailed customer service to inquire, and received the "Dear Valued Customer" reply that sorry, the $30 fee was somewhere in the fine print and the bank was keeping it.

Well whatever, Wells Fargo won another small round. The worst of it was that the $30 fee left the account $6 overdrawn. I mulled whether or not to pay the $6. Paying it struck me as chasing down a guy who mugged you last week to give him more money this week, but then I reasoned that for $6 it was probably in my interest to pay it. With a foreclosure on my credit report, I didn't want to be reported to the banking system (chex system I think) too. I decided to go ahead and pay the $6, which I did from my other account, but also to withdraw all the funds from my other account and simply close both accounts and be finally free of Wells Fargo.

Well, that didn't work either. Today when I went online to close my accounts, my access was blocked and I was told to re-enroll. I tried that (more aggravation) but it didn't take.

Apparently (but nobody tells me anything) in the few days it took me to bring both account balances to zero Wells Fargo simply closed my accounts. Can it do that? Probably yeah. It's got to be in the fine print somewhere too. But it certainly didn't happen because I was at fault or owed anything. Heck, I paid the blasted bank.

I don't mind being Wells Fargo free, and in fact that was my goal, but now I naturally wonder if the bank wrongly reported me to the chex system as some kind of banking deadbeat. It wouldn't be the first time the bank made this kind of mistake, and if Wells Fargo did this I'm really screwed. But since I have no explanation for why my accounts were apparently closed, I truly don't know what's going on.

Of course, I could call customer service and ask. Wells Fargo always wants you to do this, but I don't like to. The problem with calling customer service is not only that the rep you get may not know what's going on or how to help you, but also that you never have any record of the conversation. The bank records the conversations, plus the reps take notes, so it has a record, but the customer doesn't. In general I prefer my business communication to be in writing--especially when I have reason not to trust the party I'm dealing with, as is the situation with Wells Fargo--but Wells Fargo doesn't want customers to have things in writing. It wants you to call customer service.

And it won't deal in email, claiming it's not secure. Maybe the bank is right about this, but since it has blocked my access to my accounts online, I can't even use its online email system and have lost access to those records of previous correspondence too. Basically, Wells Fargo is pretty slick about covering its -BADWORD-, a practice that alone raises suspicions.

I guess for me there's always snail mail--but no assurance that the bank will acknowledge receipt or respond. This ups the requirement to certified and resgistered snail mail, but I've used that before and had Wells Fargo ignore it. It's pretty silly to be put in the position of having to hire a lawyer to straighten out small glitches, but Wells Fargo can put customers in that position.

Now, I realize that people have problems with all banks, and maybe Wells Fargo is no worse than the other big banks. I also realize that the people who have problems with banks often bring on the problems themselves. However, I really don't fall into the latter category. The absolute only times (twice) I've been overdrawn in a Wells Fargo account has been because the bank hit me with a fee I didn't expect (and again, I do read the fine print). Meanwhile, I'm one of those people who has had a bank account since childhood, and shhhh, still have accounts with three other banks. My experience has been that Wells Fargo is simply the worst. Sure, years may pass with no problems, and the tellers are as friendly as you'll find anywhere, but when Wells Fargo screws up, it can be a major hassle. Then, when you're dealing with the hassle, you begin to notice all the little ways the bank's system is designed to gain the advantage over you and avoid assuming responsibility. You also notice that the bank will pounce on you when you least suspect it, extracting fees you didn't know about and even closing your account without warning.

In all, I recommend banking elsewhere, if you have the choice.

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 EntryNo: 3136
 Date: Tuesday
05:14 PM
Mozilla/5.0 (iPhone; CPU iPhone OS 8_1_2 like Mac OS X) AppleWebKit/600.1.4 (KHTML, like Gecko) Version/8.0 Mobile/12B440 Safari/600.1.4 Susan Nehama
Safari United States of America
We were trying to buy our first house. We decided to close a Wells Fargo account that contained enough money for the down payment and anything else we needed to do like renovations. They closed the account which was in the low six figures and promptly lost the check in the mail. They said they could not wire the money or send it by any other way than commercial first class mail.

The check was worth about 200K. Anyway, they promised to cut a new check and Fed Ex . They would call us back the next day. No one did and my husband called and they changed their mind. Today I needed to call our lawyer to tell the seller we have no idea when a check is coming.

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 EntryNo: 3135
 Date: Tuesday
02:16 PM
Mozilla/5.0 (Linux; U; Android 4.1.2; en-us; DROID RAZR Build/9.8.2O-72_VZW-16-5) AppleWebKit/534.30 (KHTML, like Gecko) Version/4.0 Mobile Safari/534.30 wellman
Safari United States of America
Zach Wellman of Croydon Indiana graduated from Corydon Central High School in May of 2009. He went right into college in June of 2009 and graduated from WyoTech University in Pennsylvania on the month of March in 2011. He states he went to college to hopefully one day provide for his future family. Zach specializes in automotive technology and is certified in light duty diesel, street rod and chassis fabrication. Zach ssid "turneed out going to tech school for the automotive field is useless" Zach said "When looking for a job no one had any interest in my degrees or certificates. I figured training would help me land a better, higher paying job". WyoTech stated that job placement after graduation was 90% and grads of Wyotech make more money. Zach got a job in the automotive field four and a half months after graduating from WyoTech making $7.25 an hour. After taking ASE test he now makes $10.25 an hour. He first went through Sallie Mae but they had to stop giving Zach loans do to not enough loans being paid by Wyotech students. So he had to start using Wells Fargo. But he needed his father, David Wellman, of court in Indiana to be able to get the loan. After graduating Zach had $15,000 through Sallie Mae and $73,000 through wells Fargo. As it was time to start making payments he couldn't afford it so he got it deferred for 6 months. After that he tried to lower his payment 2 times. Both times Wells Fargo said he was not eligible, that he did not make enough money to get his payments lowered. As crazy as that sounds, that is how Wells Fargo works. Economic hardship was for federal loans so that wasn't available to Zach. He has a private student loan. He doesn't make enough for consolidation and interest would keep building up with another deferment. He is currently paying $728.33 a month and $500.00 of that goes towards interest. Zach has a wife and a two month old son. Zachs wife stays home with their son 6 days out of the week and works one of those days with him at his work as a receptionist. Day Care for their son doesn't make any sense to them because they would only be losing more money that they don't have. There was a point where they couldn't afford to eat. they are currently on food stamps. They own one vehicle that doesn't run and they are currently living with family. They are grateful for family and friends to help with transportation and a place to live. They said they aren't dying but they aren't living either. All they can afford to do is borrow when all they really want to do is have. "Wells Fargo takes everything we have, they wring dry and they just don't care".

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 EntryNo: 3134
 Date: Monday
11:40 AM
Mozilla/5.0 (Windows NT 6.3; WOW64; rv:37.0) Gecko/20100101 Firefox/37.0 Anthony
Firefox Uruguay
I received money from a family member on my paypal acct, and attempted to move it to my wells fargo checking. i accidentally transferred funds from my bank acct to my paypal and didnt have enough in my account to cover it, so after the charge was reversed and i correctly put the money in my acct, wells fargo charges me a $35 nsf fee that they refuse to even partially refund. I've been calling them and they give me no help. They won't even help me file a complaint to attempt to get my money back...AND I WAS ONLY TRYING YO GET $20 FROM PAYPAL.!!!
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 EntryNo: 3133
 Date: Friday
06:13 PM
Mozilla/5.0 (Windows NT 6.1; rv:31.0) Gecko/20100101 Firefox/31.0 Jim
Firefox United States of America
Wells Fargo sat idly by while a fraudulent PayPal Account of Sheryl Meekings sucked $1000 out of my savings account. Well, saying they were totally idle is unfair because they had the ballz to charge me $45 for "excess" activity!!!!! I was on hold so long with Wells Fargo that I was able to call PayPal and have the PayPal account shut down and the money pulled back so that Wells Fargo could get my money back. But nooooo, Wells Fargo transferred me from department to department and every time I had to repeat the whole story. They finally opened up an "investigation" which will take up to 10 business days to get my money back!!!!! Get this, the same -BADWORD- Sheryl tried to hack my on-line password and she failed but Wells Fargo is telling me that I have to open a new and SEPARATE investigation into that matter! Holy -BADWORD-, what better way of discouraging me from ever calling back.
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 EntryNo: 3132
 Date: Wednesday
09:57 PM
Mozilla/5.0 (Windows NT 6.3; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/41.0.2272.89 Safari/537.36 Cathy Nign
Safari United States of America
I made a $300.00 deposit on April 3rd 2015. Today, the 8th I find out that not only is my deposit not showing in my account but that $300.00 was withdrawn from account, making $600.00 missing from my account!!! I made the deposit with a teller. The bank cant find out what happened, I asked for the footage of the camera, corporate may not give it up. That teller pulled a fast one, took my cash, wrote it up as a withdrawal and then took another $300.00 from the cash draw. My receipt, which I unfortunately did not look at before leaving the bank, show a withdrawal not a deposit. Pretty slick of that teller. If the footage isnt released he got away with it.
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 EntryNo: 3131
 Date: Monday
01:08 PM
Mozilla/5.0 (Macintosh; Intel Mac OS X 10_6_8) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/41.0.2272.118 Safari/537.36 Karen
Safari United States of America
I am very disappointed in Wells Fargo. Having been a customer for over 25 years, a home mortgage, credit card, etc. I will be leaving them in the next few months to find a bank which does not charge to have an interest bearing savings account.

Terribly poor customer service and decision on your part Wells Fargo. Good-Bye!

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 EntryNo: 3130
 Date: Sunday
09:14 PM
Mozilla/5.0 (Windows NT 6.3; WOW64; Trident/7.0; MATBJS; rv:11.0) like Gecko Joe
Mozilla Zimbabwe

I would like to report a bait and switch going on at Wells Fargo . I went into the bank intent on opening up a Savings account, or at least reviewing the minimums for a Savings account. I was greeted by a banker, who took me to his desk. He said the minimum for a Savings account was $300 or $25 with a checking account and you transfer at least $5 from your checking to your savings every month. I said I did not have that and would have to return when I had the stated minimums. At that point, the banker stated to "give me what you have". I said I only had a few dollars and he said that was fine. He took my .95 cents assuring me that I had ninety days to deposit the said minimums. He verbally stated December 22nd, 2014 as the last day to deposit the required minimums. I returned on December 22nd, 2014 only to find out all the funds cleaned out of my account, and they refused to refund my money. AVOID!!!!!!!


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 EntryNo: 3129
 Date: Saturday
10:03 AM
Mozilla/5.0 (Windows NT 6.1; WOW64; Trident/7.0; rv:11.0) like Gecko Liz
Mozilla United States of America
Wells Fargo is the worst bank that I have ever bank with. Out of Annoyance on the same repetitive respond " There is nothing I can do", would you be wanting to open a checking account, or do I offer you services" I asked them to close my account immediately yesterday. I really do not think Wells Fargo should still be a consumer bank. Like few months ago, the charges on my account were ridiculous because they had ahold on a big paycheck that was deposited to my account. I had to explain to them all my payments(rent, auto, utilities) goes to the account. I had to stop my paychecks from been deposited to the wells fargo. Indeed WellS Fargo is not a place to bank with. I am in process of using my Chase temporarily for the salary account till I decide which of the bank is better. But Definitely NOT wells Fargo- I think they can make ones money drain down into the Well with their charges
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 EntryNo: 3128
 Date: Friday
10:48 AM
Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/41.0.2272.101 Safari/537.36 Bill
Safari United States of America
A charge came through on my credit card from a rental car company that was larger than I expected, and put my card over the limit.

Without calling me, e-mailing me, or any attempt to let me know about the problem, they CLOSED MY ACCOUNT and notified me by snail mail. I had the account for over a year with a perfect payment history.

Clearly, this was done by a machine, not a human, who, by applying a little common sense would have seen what the problem was and taken more reasonable action. I called their customer service, and got the typical Wells Fargo "there's nothing I can do" response.

I think it's a clear indication of how little Wells Fargo values the average customer.

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