Wells Fargo Complaints Continued... (Page 3)208+ reviews added so far. Upset? Call Wells Fargo corporate: 866-878-5865
My story is so similar to everyone who assumed Wells Fargo new anything about fair practice act. Got fired, got behind asked for modification, they asked for insurance claims. They sold my home after saying we are going to do everything to keep you in your home blah blah blah. Wells Fargo foreclosed in 5 months after not missing a payment for over ten years. We had been paying extra on the loan almost each month, we had been paying when we did not even live in the home for over a year due to a fire. Now what I need to know is what is the note, and how do i find out who really owns the note. My original loan was with wamu.
The Wells Fargo people were put together, we were assured over and over, and over that, we would get in front of Wells Fargo before they left and that we would leave with an answer. I waited and waited and was just about to get in front of Wells Fargo and they announced that they were too tired and were going home and we would not be seen. The frustrating part is I was within minutes of being in front of Wells Fargo and they went home when it was my turn. As a result, I am getting all of this non-communication and told different stories every time I talk to someone. This has been a very painful process and has been way more work than it should ever have been – especially since I was told in Phoenix that I would leave with an answer from Wells Fargo.
I am incredibly annoyed by Wells Fargo right now and their constant solicitors phone calls. I understand I am behind on bills, but there is no reason to call this much. I don’t make money on an hourly and daily basis and I wish Wells Fargo understood that. I working on getting money together, but please be more patient. After all I have paid you consistently on my home loan mortgage for the last 10 years! I get calls from phone sales people all the time, and most of them are just looking to make some easy cash so they usually are persistent, however you’d think with more long term goals Wells Fargo would not want to get on my nerves like this!
Wells Fargo are liars and thieves. When I first started having problems they informed me to call their home loan program and also contact the Home Affordable Modification Program. After months of getting nowhere and multiple trials payments I am told that the “Investor” that now owns my loan does not do modifications through the Home Affordable Modification Program. So instead of making arrangements for me to pay off the loan with a low interest rate Wells would rather sell the house to investors and get reimbursed the LOSS from the government which means the tax payers. Wells made money when they sold my loan to investors and now Wells will get paid again from the government that guaranteed the loan. They get money no matter what happens, so why would Wells Fargo ever care about the interests of their customers!!! They can’t lose no matter how bad they run their business!
I was a long time customer of Wells Fargo. The most important feature was my flawless online banking experience. As I learn now they were a rare find. You entered your bills to be paid by the date you needed them paid. If a paper check needed to be mailed, Wells Fargo used to give you an estimate as to when the payment would be received by the payee. Most important, the money did not leave your account until the check was presented to the bank for payment. Now they have all but forgotten about us, the customers! They could care less when or why things get posted, and it’s up to you to guess at when the money will clear for payments!!!
As a consumer in today’s unfortunate housing market, I can’t thank the government enough for making the Home Affordable Mortgage Act. In exchange for a promise from lenders to help consumers in hardship to catch their loans up and avoid for-closure the Federal Government has allotted special bailout funds to these business’s. Wells Fargo Home Mortgage is deliberately doctoring their numbers, misleading consumers that call upon them for help, turning away people with unfair and fraudulent acts, as well as withholding information and documents needed for consumers to stop the for-closure proceedings in a way I believe is to purposely to gain homes in areas that will not only let them recoup their losses, but the equity in that home as well.
I tried to refinance my house with Wells Fargo and I have a good credit score, I owe less balance on bills then when I bought the house as well as I put a large down payment down so I don’t owe a lot. I thought this would help me out in this process with Well Fargo Mortgage, but oh was I sorely mistaken. The person I was working with was concerned about a balance of $38.10 which was going to be paid off that week, but I figured nobody would take such a small amount seriously. Even thought they have gotten Stimulus money they are not interested in refinancing my house, though I have explained the situation. I pay my mortgage early every month since I bought the house, and this is extremely frustrating given my situation. They are not interested in any business, especially mine!
I purchased a vehicle in 2006 with a co-signer at 12.5% (sub prime). It’s supposed to be almost paid off however, they just repossessed my vehicle after almost 4 years of timely payments, the loan being 13 calendar days late, my car is gone. Also, as many other people have posted in their complaints, I have had collateral protection insurance attached on and off over the course of the last 4 years regardless of the fact that I have had full coverage insurance. I really want people mostly to know that there are class action law suits open and moving full steam ahead for most of these violations.
I have been trying to do a short sale for more than 2 years. This loan was transferred to an attorney office along with other loans apparently because there is litigation between Wells Fargo and a third party. If I call the bank, no one talks to me, and they refer me to the attorney's office.
It has been very difficult to work with the bank through this law firm; we have had more than three buyers that backed up from the deal because when everything was ready the bank came back and asked for a higher amount, or because we did not get a response from the bank and/or the law firm.
Wells Fargo does not want to work with us. We are trying to do the right thing and it is very frustrated when a bank does want to help and our hands are tide.
I called Wells Fargo regarding when I would receive my new debit card, which expires, in Aug. She, Janice, was talking all over me. She just went on and on, with stuff that I never asked her about. I know my rights, and I have dealt with customers for over 30 years, with BBB, as a supervisor. Had I heard my employees talking with customers like she was, her job would have been in question, or in jeopardy. No one called me about amounts that was in questions on my debit card.
I called them about something totally different, She said had I not called, they would have temporary blocked my account, and I wouldn't have known why because, they failed to contact me. I am in Dr's care, and I am very upset, as I have other bank accounts that I deal with. I certainty do not need someone talking over me, like she knew it all, not giving me a chance to talk.
I question the training that you're supposed to give your workers, now that I have experienced this Janice's approach. Very upset with you and if need be, if someone does not contact me, and push it under the rug, I will contact someone else, higher.
I made an appointment to open up a credit card/debit card on Monday May 4, 2015 at the Gardena Location on Redondo Beach Blvd. to get info about consolidating my credit. The girl that helped me, Maritza, said she would call me within 24-48 hrs. I waited and she never called me. I waited until Friday May 8, 2015 and finally called her. I left numerous messages not only on her voice-mail but with her manager.
I spoke to the manager and he said Maritza would call me the following day (Saturday) She never called me. I called back on Monday May 11 and he said he would call me back at 5:30 that is when I get off work. He never called me. I am getting frustrated that no one is helping me, giving me the run around.
I don't understand this poor customer service. If they can not help me they should let me know right away instead of wasting my time. I find it really upsetting and I will take me questions and need of help to another location. I just want to let this go noticed that this bad customer service and something should be done about it.
I received my bill on 05/08/15. It showed my last month payment that I mailed on 04/20/15 was not posted and a $26.00 late fee was added to it. I checked my bank statement and the check had not gone thru. I went online right away and made the payment (that was 6 days late) plus the current month payment.
On Sunday (Mother's Day) I received FIVE Phone calls from Wells Fargo!!!! I explained the reason and said I had made a payment. FINALLY after the 5th call every half hour, the calls stopped. Well, MIRACULOUSLY, the next day my check that was sent in April was found by you and posted!!!!! Not sure how that was just FOUND the next day! Harassing phone calls on a Sunday for a payment that you must of lost in my file somewhere, plus a $ 26.00 late fee???? Really??
My wife got talked into a WF Visa. Said it would pay 5% points redeemable in cash. The refused to tell her how to redeem points. Told her do it on line or the phone. They no longer have personal service. When we try to do something on the phone we usually are on hold for 1/2 hour. This is not the only complaint. This is just the straw that broke the camels back. If I listed all the complaints it would look like a book the size of war and peace. Pain in the but to switch banks but We are going to do just that.
On April 28 2015, my parents arrived for a scheduled appointment with Annelyn Vitug at Wells Fargo located at 672 Battlefield Blvd Chesapeake, VA. My elderly Mother, confined to a wheelchair, had to use the restroom. I asked the teller where is the restroom? He said, we do not have a public restroom. Then a bank representative told me to take my mother across the street to Rite Aid. I pushed my mother across a busy street in a wheelchair to use the restroom.
How can your staff be so insensitive to an elderly person confined to a wheelchair? Your facility has handicap parking and ramps, but no restrooms?!?! The staff at Wells Fargo at 672 Battlefield Blvd Chesapeake, VA should be ashamed of themselves. How dare you send an elderly woman to another establishment to use the restroom. The experience was very humiliating to my parents.
Every year I get notice from Wells Fargo that my mortgage is going up do to insurance or tax increase. It is never specific as to which went up. I found out neither has increased. I believe Wells Fargo is using a standard form letter just to increase payment. I have called to get the increase corrected and all I get is there is nothing you can do until next year when Wells Fargo access again. It is a circle of rip off with the only end is to get out of business with Well Fargo. I am currently research lawsuits against the company to put a stop to this.
I've waited 4 hours for an underwriter to finish my loan. The loan person inside Wells Fargo said it would take 15 min to look at it. I've been sitting in here for 4 hours and the guy is waiting for his auto loan check so I can receive the truck I am buying. Poor service on the other end. There needs to be a underwriter at every bank so things go smooth. This is a bad day if you see this asap help.
Wells Fargo charging customer for copies of checks. (check 21) this charging started on my accounts several months ago. Bank stop sending copies with monthly statement. When local bank (granada hills branch) was asked about this (surcharge for including this in statement now applies) $1.00 per month or per check - bank did not make this clear.
This just show how little corporations care about costumer service. I have had over a 20 year banking relationship with wells fargo. I would like justification -under check 21 law - California, how wells fargo can legally charge these fees. I will consider moving my funds to another bank, I also have maintained a balance of over twenty thousand dollars in your bank. (small amount - I know) I would rate this bank with an F- , if there was a lower score - wells fargo would get that from me.
My name is Keith D Dawson. On March 14 2015, I visited the Wells Fargo branch at Southgate Mall Elizabethcity N.C 27909. My purpose was to take advantage of 0%APR credit card. I told the banker Cindy Walker that I already have one of their cards. That I did not want to carry another card. That I was able to payoff original card. So I wanted to know the best way to go about applying for a new card. Do I just apply? Or do I pay off card first? Cindy applied for her words the top of the line card. I was approved but for a much lower credit limit. Later the next week, Cindy called me. She said that if I payoff the original card they would be able to transfer my credit limit from the original card to the new card. I do not know who she talked to.
March 21 2015, I returned to the branch. Talked to Cade Turner about paying off original card. He called someone in that dept. I was advised on the phone by that person (name not known) to pay off and CLOSE original card. Then they could transfer my credit limit to the new card. I did this over the phone at that time. I was then told that they did transfer and combine my credit limit to the new card. Then I was told the 0% apr does not apply because of the card I had at the time. I applied for the new card not only that but my interest rate is HIGHER than the original card.
March 28 2015, I returned to the branch. I talked to Jermaine Dillard about my problem. He called that dept. and was told their was nothing that could be done because of the original card. He made notes and told me he would put them on Tonya Schmitt desk the store manager so she could get involved in it.
April 3 2015, I returned to the branch. I talked with Tammy Spruill. She called the dept. that handles this and again was told nothing could be done . Tammy sent a email about my problem, including my contact info. I did not receive a call back from her the next week. Sometime during that week, I was on the well fargo web site and noticed all my rewards points gone.
April 11 2015 I returned to the branch. This time I spoke with both Tonya and Cindy. Tonya said she would make a call to expadite affix to the problem. Then told Cindy what she had to do on her end.
April 17 2015 I returned to branch. Cindy tells me that the only thing that can be done is to reverse everything that has been done. They will reopen the original account at original credit limit and interest rate and restore rewards points. I did none of this on my own. All was done at the bank's advice.
So, in a attempt to get 0%apr credit card. I get the top of line card not at 0% but higher rate than I had before and loss of rewards points. The bank's fix: reverse everything like nothing ever happened. This is a bank error not mine. I thought the goal of this bank was my financial success. How is this helping me to succeed financially? If you can not help me please give me contact info of some one who can. All I want is the 0%apr lower interest rate my points restored
I was trying to use on line banking and was denied access due to my reporting fraudulent activity previously. In or to gain access, I was asked a series of questions that I never was asked by the bank, including what state was my social security card issued in. I gave an incorrect answer by using the state my card was issued in rather than the state my mother used to enroll me in Social Security and realized I never gave that info out. My father, who is 82, had the same thing happen except his answer was correct, and the fraud employee refused to recognize that even when my dad insisted. The question is where does the info come from and why is the account owner not asked to verify the info? Lastly, why does the fraud department not ask these questions when the account is applied for and insist on using info that is either incorrect or unknown to the user.
I have applied for secured credit card which means that it is my own money that the bank is taking, I was contacted by the bank to apply for it despite the fact that I mailed my application, I was told that this will take five minutes and ended up being half an hour on the phone. Than I was notified that I need to go to any Wells Fargo branch to submit my SS card which I did. Now I received a letter in the mail from Wells Fargo asking me to mail a copy of my SS card !!!!! (Great secure method).
I called the number stated on the letter, and a guy called Chris answered my call. The guy was so rude, he would not listen to what I was trying to tell him and kept on talking over me, ( great customer service NOT!). Now Chris wants me to go back to Wells Fargo branch to submit another id ..... I would like to remind Wells Fargo that secured credit card will be using my own money and the bank's money and for that I have to keep going forward and backward to the bank.
When I asked to speak to a manager, Chris respond was " there no manager to speak to you" I find it very difficult to believe that a bank have no manager to talk to clients !!!!!! At this point I told Chris to cancel the application and his resonate was " ok than". This was my first experience with Wells Fargo and I am surprised that customer staff can get away with such behavior. I will expect to be called by a senior member like a manager if Wells Fargo got any, to explain why customers get treated in such a bad manner and what will be done about it.
Wells Fargo Made me accept a Bank Cashiers check in lieu of straight cash, the amt was 20, 000.00. The Check was acidently thrown away, as the Reciept looked exactly like a check and was on top. In small print it said customers copy. AXX Backwards to start with, and they prob have made a lot of money by making this easy to mix up. I went to the Bank and ask Wells fargo to place a stop payment on the cashiers check and re-issue me a replacement.
First Wells fargo said no problem, we can do it immediatly for .02 percent fee. Then after 2 hours of paper work and waits, that changed to a 2 percent fee 400.00. I was PO about this out landish fee, and Wells fargo inisted they get this fee up front. I paid it, and they said I would have a replacement check in a couple days. A day later they called and said they were refunding my 400.00 and I would have to wait 90 days to get my money back.
Wells fargo then refused to put anything in writing, or provide me a copy of the cashiers check. I filed on line complaints with the Federal reserve. After that Wells fargo Fraud dept has shut off my ATM Cards on a dailey basis, they leave only one on. Of course its the one that does not have any funds in that account. So I am forced to use a card with no funds and get whacked over and over again with 35.00 over draft fees. I called Wells fargo and complained and ask that these over draft charges be removed, as they were making me use a accout with no funds. They refused becuase I filed complaints with the FEDS. Is there anyone out there who will assist, I want to file a class action law suit. This has to be a clear violation of the RICO LAW
On March 23rd 2015 , I deposited two checks into my bank not knowing that my bank not Wells Fargo had put a two day hold on the larger check. I deposited a check into my sons well Fargo account that day for 1,900 so he could get an apartment. The check did not clear because of my banks hold and Wells Fargo put a hard hold on my sons account. My check cleared on the 27th when Wells Fargo re deposited the check and the 1,900 has disappeared. Wells Fargo states it did not clear my bank had to send several faxes for 2 weeks saying the money was removed by Wells Fargo.
I have been on the phone with them every day requesting my money back since they refused to acknowledge to my son that they had the money. Yesterday my son account was closed because it was not beneficial to Wells Fargo to have him as a customer. Now they acknowledge they have the money however he has been told he has racked up insufficient fees for the last 3 weeks even though all along they have my money and after the fees are taken out they will mail him the check which he will receive in 7 to 10 days. I went back to bank demanding my money stating my son has been homeless in a different state all because they will not release the money, they could have cared less stating there's nothing they can do. To date no check . How can a financial institution steal people hard working money and not be standing before a judge for fraud.
Flooding in my home occurred on February 16, My insurance company settled my claim. Sent me the check along with Wells Fargo's named on the check. Went to a branch near my work to get them to endorse it. I was informed there was a check list I must provide before any money was to be released. I submitted all documents they had sent, each day I call to get the status of my claim, there seem to always be one more thing they need, whether it be a signature missing from contractor on the estimate of their work, even though their signature is already on waiver of lien and W-9.
The affidavit and release clearly says that it needed to be notarized, one of the representatives I spoke with, said none of the paper I submit need not be notarized. But of course I needed to get that notarized. Clear air test clearance, called my insurance company, they said in the state of California it was not required, unless it was mold or fire that cause the damage to my home. Now they want the proof (receipt) that the company who did the asbestos abatement was paid. My insurance company paid them, I have no reason to have such a receipt. So now I wait for them to send it to me, so I can submit it.
Each time I have called, they are wanting documents I have already submitted, that was not showing on their computer even though it was clearly posted on my to do check list as approved, of which I have checked on line the night before. There have even been instances that they couldn't pull out my account to find my papers I submitted. I got to speak with a representative, that was helpful, she told me that she was going to review all the documents I submitted and that she would get back to me. 3 days have passed, no phone call. So I tried to reach out to her , I was told they didn't know who she was.
I am going on my 8th weeks without the use of my home. Besides all the money I have spent on faxing, express mail, and notary, I had to rent the pod to store my furniture in for another month. Not to mention the contractors demanding to be paid. I already had one of your inspectors come out to my house once to show that work is being done to my house. Your company just keep on knit picking, as to delay release of money needed to complete my home.
I made a withdrawal for $940.00,on 04/03/15, the teller had not scanned the money,through the money machine.She counted out (nine- 100 $ bills,and (two- twenty $ bills, knowing that (one-100$ note, was already marked,with a pen marking,which it automatically. Should have raised a "red flag" after all we as customers put our trust in the bank, it should not have been given out at all ".i thought it was marked as a good note" so i went to make an ATM deposit at BofA just down the street, the Atm accepted all (eight-100$notes,but one.i then went inside the branch,to a teller to finish my deposit,the teller scanned it, and said that it was a "counterfeit" note,so we have to keep it and fill out a report ,and send it to the "Secret Service" leaving me out of a "hundred $ dollars,which came out of my direct deposit from Social Security. I then waited for the receipt to be faxed back from the Secret Service as proof that the receipt stated "Counterfeit" , in hoping to be reimbursed by wells fargo,but was told that one you "leave the premises. We cannot do anything about it, myself having psychological. Issues in understanding what is happening,i feel that as a loyal wells fargo customer, that i have been taken advantage of.I really hope that this does not continue to happen to other customers.i would like to be reimbursed.
I went to the Dana Point, CA branch on Golden Lantern St. on April 1, 2015. Previously, I went to the branch office in Laguna Niguel and needed to present my husband's death certificate on 3 different dates. The last visit at the Laguna Niguel branch, included eliminating my husband's name from the account. About a week later, I found I could not access online banking. The reason I went to the Dana Point branch was to find more competent service. I encountered Richard Toscano, Assistant Manager with my problem. The problem was that my deceased husband and I were sharing the same profile for online banking. The information Mr. Toscano provided was accurate, however, his manner was unsympathetic, defensive and dismissive. He would benefit from some education in people skills. I don't believe I am the first client with a death of a spouse and a similar problem. I also believe there is a way to discuss the joint account and profiles without breaching confidentiality as Mr. Toscano implied. I was unprepared to discover I was blocked out of online banking. My suggestion is to provide a detailed explanation of the implications of removing a name from an account. As a result of this encounter, I am considering closing my account with Wells Fargo bank.
I am having a very difficult time getting help with my mortgage payments. I have been declined based on my affordability but I would not be asking for help if I did not need the help. I can't afford my payments and I have been fighting with Wells Fargo for almost 6 months. I DO NOT WANT TO LOSE MY HOUSE TO FORECLOSURE. We have left several messages for our single point of contact and she does NOT call back
Your branch at 1681 West Fm 646 in League City Texas is without doubt the most user unfriendly bank I've ever visited. Today I went to cash one of my company checks made out to a laborer of mine which he endorsed and I also endorsed and your bank manager refused to cash it. A procedure I've done at that very bank many times in the past. Mind you now, this is a check drawn on my company account and endorsed by me and I provide adequate ID. That bank manager (642795) would be better placed in a Walmart store. Fortunately for you, your bank across the highway employs individuals with a good amount of common sense and although in-convenient for me, I was able to conduct business there. That branch would be better closed.
Hi – I was just shopping at the Pacifica California Safeway store, where there is a Wells Fargo office. I was appalled at the way I was treated by the counter clerks. I do not normally bank at this location not much at Wells Fargo, and I bank at several other banks, where I hold most of my funds, and will continue to do so. I stood by the counter, waiting patiently. The clerks all looked at me and they saw me waiting. They did nothing. They did not say anything. And then when someone opened up to help with customer service, hey took an older gentleman before me. He had been waiting there less than I had and he was not in any sort of line. And then the next person opened up their teller window for customer service, then took another person who was waiting at a line around the corner.
I protested, and said you see me waiting here… don't you? I've never been here before and don't know where your lines are. I'm standing right in front of you. And I know you looked at me and saw me waiting. Are you going to tell me that I have to go wait in that line now? The tellers just looked at me and said there's a line. Unbelievably bad customer service. Appalling.
Mike the manager of Desmoines Wa. Branch, jumped the gun having me set up an estate account for my brothers Tyrone Lewis who passed 2/24/15 He was not licensed to set this up he had Angela do this and she said,after calling your brokerage dept. telling me I had to go to probate. They said that there were no beneficiaries for this account. Ty's son and daughter were the beneficiaries on the checking and savings account and received the money and the account was then closed. I could not get to first base at the court house so I had to use my lawyer Brian Russel. Ty had a will and I am the executor. When I called your department and was told it was an annuity and Paul and Jennifer were the beneficiaries and no need for probate. I am upset because I had to spend about $1,500 of my money to pursue something that was wrong information.
Foreclosed property in Jamaica NY in which Wells Fargo refuses to evict the drug addicted squatters that are using the home for drug transactions and other illegal activities. The police has been called to the home numerous occasion, the grounds are not kept up and drug addicts continue to occupy the property. The address is Jamaica NY 11434. Numerous calls have been made about the situation but nothing is being done especially the previous owner has been deceased for a number of years... It will force us neighbors in the community to contact the public advocate to investigate Well Fargo policy on their procedure with foreclosure. Neighbor whom must deal with this everyday!
I informed a teller at Wells Fargo that I was told by my doctor that I could no longer work due to kidney disease & was filing for disability. I asked them, as a long time customer what I could do to mitigate fees associated with being overdrawn. I told them I was waiting on my tax return to be direct deposited any day but I didn't know if I should just close my checking account and keep the savings open or how I should proceed. I was told that as a long time valued customer, they would be happy to simply cap my fees at a daily rate instead of a per insufficient transaction rate which if the deposit!
My mother took out a Reverse Mtg loan with Wells Fargo in 2006. She died on January 22, 2015. I have been trying to get a payoff amount from them so I can pay off the loan and retain possession of the home. I sent them a copy of my birth certificate as directed to prove I was a daughter. They have denied that request and will not give my sister the information either, even though she is listed as the contact person on the death certificate which was sent to Wells Fargo.
This is concerning a loan I got last month to purchase a boat. Instead of a boat loan the loan officer gave me a personal loan at 9% interest. During the process I asked the loan officer if I could just cash in a cd that I had and make the boat purchase instead of getting a loan. Her response was that interest on the loan wouldn't be much. Ha! My first month was over $90 interest which is way more than the $25 for cashing in the cd early. I have no doubt that she knew what she was doing. This was at the Pinson Alabama branch. Well I cashed in the cd and paid off the loan today and it cost me over $68 more than it would have if she had been honest. Is it Wells Fargo's standard operating procedure to screw the customer regardless to make a dollar? This could all have been avoided if she would have said yes it's cheaper to cash in the cd and let me pay for the boat to begin with. I have got a lot invested thru Wells Fargo. This has thoroughly made me mad and I'm not sure what I'm going to do but I'm thinking about it.
I made a mobile deposit on 3/18 and it said successful. Then wells Fargo took the deposit back out of my account. Called and they have to figure out why and may take 10 days? Why? This is the stupidest thing I have heard they are really that in component?
I am getting very suspicious e- mail about me being awarded a large sum of money from Wells Fargo 5071 Moose Falls Drive Las Vegas, NV the e-mail that was sent to me stated that I have to send $250 for insurance of receiving this large sum of money. Here is the information email@example.com hotline 0114400801 Mr.William Donahue, Regional Fiduciary Manager/ Secretary general, head of the wells Fargo bank branch of Las Vegas. NMLSK ID 39880. I am trying to confirm the truth of this e-mail.
Poor single, elderly, Mexican American customer has health issues, after years of making mortgage payments could not anymore so we tried to sell home with Wells Fargo telling us they would assist....... Finally received cash offer closing today and Wells Fargo stepped in and said NO because it was already in forclosure process for April 7th 2015. This closing would have paid off existing loan and this home has a FOUNDATION ISSUE of about $12,000 which Wells FARGO knows about!! So they will take less money, hurt this poor ladies credit all because the process was underway? Wells Fargo strikes again but many good realtors in SA won't use them again regardless!!!
I made an online payment to my credit card account in the amount of $5,000 on February 27, 2015. I made similar payments to Chase and Bank of America as I am in the process of paying down my credit cards. The Chase payment posted the next day and Bank of America posted on March 2, 2015. When the funds still had not posted and were not available at Wells Fargo on March 3, 2015, I called to enquire why. I was initially told that because of the large amount of the payment it would not post for 4-5 business days. I asked for a supervisor and was told that any online payment in any amount is held for 5 business days while they check for availability of funds and fraudulent activity. I took great issue with this and demanded that my payment be posted and funds available today, March 3, 2015.
I was rebuffed and told that they were not my funds, but belonged to Wells Fargo and essentially on loan to me via the credit card. I then reminded this incompetent, unfriendly person that I had a checking account with Wells, two auto loans with Wells and that I took great offense to them referring to my transaction as possibly fraudulent. I contacted my bank and they confirmed that Wells already had possession of the $5,000 and they had no internal policy of holding funds beyond 2-3 business days. I advise anyone with a Wells Fargo credit card to never make an online payment, but pay in cash at a Wells location via a teller. Totally non-customer friendly bank with incompetent supervisors with no ability to communicate in a professional manner. I would give ZERO Stars for my experience!
On February 9, 2015, I took all of my documents to HR Block office to prepare my taxes, the tax advisor, Diana Stafford, informed me that my Form 1099-R from Wells Fargo was coded as Taxable income. This was a ROTH IRA that was transferred from CT where I had opened and contributed to it after taxes, 1099 should have been coded non-taxable as I am 64 years old and retired.
I drove to the local branch office in Clemson, SC and spoke to Chase Fryer, Customer Sales & Service Rep. who assured me that he would get it corrected and would notify me within 5 business days. I never heard back from Mr. Fryer so I contacted Ron Szczepanski, Financial Advisor, and he in turn referred me to CSR named Rachael at (864) 255-8244, she also assured that she would look into this matter and call me back, which she did not.
Messages were left with no return calls. I was finally directed to another CSR, Mae Reid at (864)467-2808 and was told that Rachael was out of work due to family emergency, and that Mae would now assist with this matter. I spoke to Mae last week and she told me that she had turned this matter over to the Legal Dept. It is now March 2, 2015, and this matter has not been resolved and it prevents me from filing my taxes in a timely matter and I expect a refund. I respectfully request that this correction to my Form 1099-R be expedited and mailed to me ASAP and in any case no later than March 9, 2015.
I just found out my Wellsfargo credit card has unusual activities today, was panicking and called the lady trying to close it. She was very impatient with me and was giving me a lot of bs later I found she was lying. She was obviously having a bad day, and let it out on me. Cause I let her know I was having billing concerns and fraud... ask if she can clarify for me, which is within my right as a customer to ask. She started to raise her voice and said I should make up my mind what I wanted to call for... I even told her I selected the billing department cause I have questions. Anyway the fraud was more of a concern so I ask her to look into it.
Without letting me know she will close my card account altogether, I told her I might need to look more closely into the bill... she raise her voice again and said is this your only fraud charge or not... then pressure me to answering a yes or no only. As I was explaining to her I called her right away cause I found one, I'd need more time to look over, please stop my card now just in case... she told me this "I'm going to stop the card and you can view the account later and let me know if there are others ones you missed". She LIED. She only close my account... I end up found out after I hang up and had to call back again to resolve it through another girl who is nice enough to help.
At this point, what's running through my mind is I've being a loyal customer for over 8+ years. I was always telling others how great the service was. Now I'm traumatized by that lady's bad attitude toward her work and I didn't need or deserves this kind of treatment for banking through you guys.
So I went to do my cash refund for income tax and then is the 1 year that I have used well fargo for direct deposit for anything and I used the check that I signed up with for the saving account and they never informed me that they have a efile rounting number I contacted customer service to see if the direct deposit with go threw they told me no because of the routing number is for deposit in the bank not direct deposit messed up my taxes. Wells fargo sucks balls
I am a Realtor. I submitted an offer-to-purchase in late October to resolve a foreclosure problem for a mutual client. This would result in a large payment to Wells Fargo, and saving a home for our client.
However Wells Fargo will not phone me, E-mail me, Fax me nor anything. I guess a wait of 4 months is not enough? I have called, Faxed, E-mailed until I have lost count in trying to get someone to talk to me. My client has been assigned a number of agents from Wells Fargo, but every time I think I have found someone to help, that agent disappears, and I have to start all over. Yet, Wells Fargo continues to call the client, who gives the agent my name and number, but I never hear from them. Wells Fargo should be embarrassed about their lackadaisical attitude toward the American public, which keeps them in business.
To whom it my concern I called in to make a payment to customer service. The payment was schedule to be paid on Jan 25 th 2013. I then proceed to ask the representative would my mortgage be in danger of foreclosure she stated that it would not go into foreclosure as long as Made the payment by the 25th. . On Jan 17 I got a call stating that home my home was in foreclosure and that I needed to pay the balance due. If I would have been told that I needed to make a payment before the the 16 th I would have. Do to this misrepentation my home should not be in foreclosure and i should be allowed to make my monthly payment per schedule and work toward getting caught up. Please contact ASAP at 813-494-7067. Carlton Brunson
credit defense department. In August I open a credit card. I was not aware that I signed up for this program. In March . I mention to them I wanted out. They stated I would be cancelled. On or about 4/23/12 I called and was concerned about my bill and I spoke with Mr. John Vitao he stated he did not see anything where I had called to cancelled the program.
When I called that department-defense Mr.Zack, stated he did see where I had called to cancelled it in March, he did not know why it had not been cancelled.Then a few days letter I received a copy where my signature had been signed on a piece of paper. When I signed there was a very small machine I signed with and could not see all of the paper work.
If this is the case I have a right to cancelled this program. I would like my money back. Also I felt this was in retalation about my phone called. I felt the first guy was not very help full at all. Also this will lead me to cancell my Raymour and Flaingan furniture account. I call Wells Fargo about this matter, so one stated I would get a call in 48 hours. Sofar, no response as of yet.
I was charged a wire transfer fee from Wells Fargo credit defense refund that I thought was unreasonable. In attempting to call and take care of it amidst all the other things that I would rather be doing on a Saturday I encountered Casandra at your phone bank. When I could not remember my last Wells Fargo transaction refund amount the date and place of it, Casandra would not assist me or talk to me about my account though i provided my social, date of birth, address and last deposit amount (which I never had before). Casandra was then rude and spoke to me in a very condesending tone as if i were a child who needed correction. She then refused to transfer me to a supervisor and after she told me that she would she transferred me to the Wells Fargo credit defense automated machine where I had to begin this pain staking process all over again.
I would like to receive a telephone apology from Casandra, an an explanation from her supervisor and Wells Fargo as to why I was treated this way. I am a Wells Fargo customer, it is not Casandras money deposited in my accounts and I should not have to go through an interrogation to ask a simple question about a fee.
I await your response about the Wells Fargo credit defense refund, I believe I am entitled to.
I called customer service at approx 5:00 pm on 11/8/2011 and spoke to a "steve" as he refused to give me his last name I cannot provide it here. I explained that my account had been charged doubly for my monthly car payment as well as a couple of other credit card payments. I asked how this occured. He explaine that it was my fault in some detail. I explained what had occured when I was asked to go in and verify my bill pay set up when the switchover occured from Wachovia to Wells Fargo.
I explained that the dates were detailed on the page showing when a guarantor would receive payment based on my send date. I adjusted the dates to take into that account so I wouldn't be late on my payments. Therefore I ended up double paying on my bills. I asked him why he hadn't explained this step when he "told" me what I had actually done. He told me "rather impertantly" that it was a manual modification that I chose to do. I explained that based on what I was seeing on the screen and the dates being displayed that I didn't think I had a choice.
He was rude and condescending in his tone and his manner. I explained that I would like his name and I wanted to close out my accounts if I couldn't count on WF not to double charge me. He refused to give me his name at all and told me the call was being recorded. I said "good - then you should understand good customer service and that is when a customer ask you something such as your name or to speak to your supervisor that you should comply".
He continued to run around in circles telling me that he would explain and answer my question ... I said ok .. what is your name ... this went on for some time and to no avail. He finally buckled and told me his name was Steve ... again I asked for his last name and/or his supervisor. He continued to circle around the question and was extremely rude. He finally told me he would get a supervisor ... that took quite a bit of time. A gentlemen came on and in a very deep tone said ... something to the effect of ... "yes ... can I help you".
I began to explain about the bill pay miss understanding and got only a couple of sentences in and I was cut off. The loud beeping in my ear was the signal that your organization has some very poor customer service. So this "Steve" was incredibly rude ... I truly believe that the supervisor "whom did not give a name" was a fake. I will be taking my business elsewhere as soon as I can. I am very disappointed in your organization and most importantly in your shoddy customer service.
Mon 21 Jan 2013.- I'm 73, legally divorced in California in 2003, and did have a WFB account since 1992 thru 2003 when I requested that my name be taken off the accounts in light of my divorce. I subsequently left for Chile, my country of birth, to retire on Social Security since it is obvious that I cannot afford to live in the US anymore...not on $1.730 a month.
My daughter, Francesca who lives in California, opened a Direct Deposit (ETA) account at Wells Fargo back in Dec 2012 under my name and hers. The purpose is to receive my Social Security pension and manage it online from Santiago, Chile. The problem arose very recently when using my PC here in Chile I attempted to reach my account online at a Glendale branch and was faced with security questions and answers that date back to 1992 !!!
Apparently, my name and SS# are still in WFB databases and I suspect triggered outdated security questions (mortgage holder in 2000?, my dream job back in 1992?, etc..etc. taken from public records circa 1990s. I called their 800 numbers several times this past week (at one dollar a minute) and I spoke to 7 (seven) people at Wells Fargo Online Banking, Security Questions and Anti-Fraud units but to no avail....they refuse to budge, suggesting twice that I get on a plane from Santiago to California to talk to them in person...
I pressed the point that this was and should be treated as a BRAND new account..and with no relation whatsoever to previous banking accounts with them..Again, no avail, no exception...They repeated their mantra that they were following bank procedures FOR MY PROTECTION and there was nothing they could, unless I went to visit them!! PRESUMPTIOUS, ARROGANT attitude on WFB part with a staff NOT ABLE TO THINK OUTSIDE THE BOX !!! Some didn't even realize I was calling from abroad.
We live in a globalized, cashless, electronic transfer type of society where I can buy and disburse money anywhere in the world...Is Wells Fargo living in such security fear, thinking that every PC that reaches their systems is trying to defraud them ? Bank fraud existed before the Internet and will continue to surface...no matter what... So, please unfreeze my online access and let me manage my account.
My Suggested Solution: Contact the Glendale Branch, treat my account as brand new, and develop new, contemporary security questions through my daughter or myself.
Mr. Jaime Silva
We were charged 4 times to transfer money from our savings account into our checking account...without knowledge. $12.50 each time, totaling $50 in 2 months. They told us the new charges were mailed to us in several letters months before, but that was a lie..we never received a single one. The customer service woman at the bank actually told me the letters were sent back to the bank! This confirms we never received them and it was a bank error. Needless to say despite the fact that THEY messed up..I was told there was nothing they could do about the charges. Unreal. We are taking our money out of this bank at the end of the week.
TD Sucks. I opened a personal checking account 10 days ago and they unilaterally closed it yesterday. I went to the branch today to collect my initial deposit and to know why they didnât want my money. They told me they tried to call me to verify my SSN and address and I never picked the phone. The funny thing is that my phone never rang. I asked them which number they were dialing and they told me that, at this point, it didnât make sense to give me the number they have in their records since the account was already closed.
After reading all this complains I just have to thank TD for closing my account unilaterally. I would never ever aproach them for any kind of business, they simply suck, and big time.
They are rude. They calle me 7 days a week, any time. 8am til 9pm. They calle me at my cell phone. No respect.Â They were very nice, for 4 years, when I paid without problems. I lots my husband. I lost my job. I lost my writght to work in here, since my husband passed away. I am in appelate. No job. I am seniro. I only have the car, that I already paid for more than !$18.000.00 more than the price that I have on the original Contratc with them.
Wells Fargo auto finance threat me, because they know I am alone, don't have an attorney, can't afford one, don't know how to defend in good English. The supervisor I talked, for lower my ammount monthly, called me IRRESPONSABLE! I apid very weel for all 65 months...only because I could not pay these two months, they screem at me, they trheath they will REPO my car. I was feeling so bad, that I hung up the phone and cry a lot.
They charge me "per diem" more than $20.00 day. Needs to be a Law that protect us, to pay so much money in "per diem". I can't loose the car..I just got ajobe, and will get payment only in two weeks..If the come and pick the car, I can't go to work..It is somebody there tjat can help me with sugestions?
My car cost was &31.000.00 + interest of $14.000.00 I alreday paid them $60.100.00 (fees per diem, I think) They said I still need to pay $5.000.00 more. They are calling me 7 days a week. Today Sunday they started to call at 8am again.. I am getting crazy...They don't want to wait or do any agreement..
H E L P!!!!!Â Is there a Consumer Protecction fr this issue or NOT?
You garbage need everyone that hates your ugly rude asses to pull together and leave you boycott you riot you and just really destroy you trashy criminals for the way you treat everyone. And you that work there how the hell can you even be proud to say you work for them. I dont even want to associate with the likes of hells fartgo. Go to hell. I am so sorry for those that has any type of an account or accounts with you. Speaking of legal theives there they are WELLS FARGO but legal so much, They are thei ing criminals. Im glad we have only the small loan for some stupi furniture from a miskellys in pearl ms.
It takes all types of garbage to be able to treat people like they are retarded. I have read alot of these complaints. How do you pieces of trash live to show your faces. They probally cant transfer anyone over to a supervisor because they dont have any maybe everyone in that department is quitting wells fartgo. And others dont want to work for their rude asses. I really love being with Bank of America once you get in you can do most everything by mail and phone. I have requested for a branch be brought to the Richland, Ms. South Jackson, Ms. Areas.
I hate there isnt a branch here. They are a good bank we have been with them for 9 years. Bank plus in Ms. is also pretty good we have been with them 14 years. Those are my banks. My recommendations would b try them. I really do appreciate the people in those 2 banks. We have even had some misfotunes with chase us s bank
I will NEVER do any business with Wells Fargo EVER again. They are the rudest bunch of unpleasant people I have ever had the displeasure of dealing with. They are very snotty, over bearing and short tempered. The representatives act as though I am the person who owes them money personally. It is SO unnecessary to behave so callously. What's worse is that clearly WF enables this behavior. Oh and the obsessive phone calls? WOW...
I purposely changed my phone number and they managed to call me at work, my new job that I didn't give the number out to anyone. I have told them repeatedly to not call me at work and they say the same thing: "Well that's not in the notes of your account" Interesting how NONE of the people I talk to are able to be found and there aren't ever notes in my account. Just because I owe money doesn't mean I deserve to be talked to so rudely.
One time, very calmly I finally just asked the girl why she was being SO rude to me. It was really unnecessary to talk to me as she was. She had the nerve to say WHILE talking over me that that was my opinion and she can say what ever she wants. ARE YOU SERIOUS!!! This is the worse company ever. I will always be the person to talk negatively about them and have encouraged many of my friends and family to not do business with them.
After Wachovia transitioned to Wells Fargo, my previously flawless online bill pay started to have problems with paying the bills. I noticed that I was getting some late fees for unpaid statements, and some notices that the numbers were wrong on my automatic payment accounts. When I went to the bill pay I noticed incorrect numbers on accounts. I hadn't touched them so someone in banking services must have. Of course Wells Fargo got defensive and blamed Wachovia, Wachovia said it was Wells Fargo, and MY APR's are going up for at least the next 6 months.
I have evidence that this has happened yet again this month with American Express.Â I'm frustrated with Wells Fargo and I don't know what to do as they've screwed up my rates.
i was a wachovia banker and seince i did not have any money in my account and when the switch was made to wells fargo they closed my account so i signed back up again it took me a hour in a half so i was headed up to michigan and all my money was on my bank card i used my card 2or3 times at the bank and at the airport but when i got to another airport to buy some food my card was declined and my account was closed because i had a desputied over bank of america so because of that one of the tellers at wells fargo closed my account with out me know it
and i tried to get my mioney back they said i had to wait and they would send me a casheries check 2 of the one for each account in michigan seince i was up there for 2 weeks well i waited and they never sent it out so when i got back to florida to get my money back they said they sent it out 2 weeks ago to michigan so i had to wait another 2 or 3 weeks which they said so i did so then i went back up to the bank and asked where my money was and now they said they never sent out the checks so they told me to come back a 1pm eastern time
and i would get my money so i went up to the bank the next day at 1 pm and my money still was not there and i talked to a few bankers there and the complaint dept and they assured me that my money was there so i waited 5hours and still no money they told me to come back the next day and i said iam going to make a complaint if i dont get it the next day they said be here at 1pm the next day so i went up there the next day at 1pm missing time off work the day before and the next day 10 or 12 hours miss work so i went back
and because of that seince the bank did not give me my money like they said they would i had to walk to work 10 mileseince i could not pay anyone for gas or take the bus for a ride so i waited again and i not they said i would have to wait again so i did and then the complaint department and the bankers where on the phone with them and me and they kept hanging up on us and rerouting there calls to different depts and then the head mgr from the bank got on the phone with the complaint dept and they still have not sent me the money or the checks so me and them where all getting pissed off
and now the complaite dept said now i have to fill out a addivaited and get it noterized so i did they where on the phone step by step so they faxed it in and they called me stating my money was ready to be picked up so i went back to the bank and ready to get my money but when i went to get it it was still not there and they said they filled out the wrong paper work but this is the right paper work they told us to fill out so i had to fill out all the paper work again and by that time the bank was ready to close so i didnot get my money that day they told me to come back the next day so i did
and i went back to the bank they said my money was ready to be picked up so i went and it was still not there so i waited another 3 hours and made complaints and made phone calls and then i finnally got my money but no one ever apoligized or i got anything from the complaint dept or sorry or reibursed for lost wages or negelance and i wrote a letter to the complainte deptin july and i still have not heard anything yet and its the middle of dec this sucks what a bad bank
I began back in the 80's with SC National Bank which then went to Wachovia Bank and just recently to Wells Fargo. In all the years of banking I have to say Wells Fargo is by far the worst I have ever dealt with. I feel like a number rather than a customer and will strongly consider moving my money out of Wells Fargo. They are not friendly nor do they treat their customers (who support) the bank, but now we are charged for every single thing we do in the bank and it is expensive.
I went to get a cashiers check for $17.81 for the hotel I work with to send to a customer and they charged me $10.00 to do this. I was shocked this happened. I do not feel welcome in the bank anymore and do not appreciate being treated in this manner after so many years of loyal service with SC National-Wachovia-Wells Fargo. In my opinion this is one of the worst moves ever made. I assure you I will be moving my account. I have visited many banks and have found two in my area that treat customers as people, not a number.
We recently married and my husband decided to close his acct at a different bank and deposit money in my acct and change it to a joint acct. He noticed that the bank had been deducting $10 a month because my savings acct was below the minimum but my checking acct more than made up the difference. We spoke to Paul Brancato on the phone and asked if he could get the $110 credited since we were depositing approx $58,000. He credited $20 and said he would call us back and let us know if he could credit any more. He never called us back. So we went to the Wells Fargo Bank on 2110 Oak Street Myrtle Beach SC 29577 and met with Howard Gifford who was very nice but said he could not do that but would check with his boss. He returned and said his boss would not do that. We asked to speak to his boss. His name is Adam Schultz and his title is service manager. He was disrespectful, rude, nasty,and had a very angry personality. It was not what he said or the fact that he would not credit the money but how we were treated by him. We have emptied the saving acct and are in the process of closing the checking acct as soon as we are set up in another bank. I may not be able to recommend a bank to a friend but I certainly know which what I would NOT recommend. One emplooyee like this casts a dark shadow over your entire organization.
I live in Bakersfield Ca. and was at the Wells Fargo on Panama Lane today. I was depositing monies for my business account. The teller must have been new and I asked for 12 one dollar bills and the rest was to be deposited with my deposit I presented. I do not know what it was but she couldn't understand exactly what I wanted. Why I do not know. After getting that straightened out I had a check to be used to pay for my Wells Fargo credit card.
She would not just pay off the amount owed on it but needed to use the whole check which was only an amount of 30.00 over. What was the problem? I told her to just cash the check and I would then pay the bill and she then said she could not take the cash back. I have been doing business in this small branch for over 5 years and all of a sudden I see a big turnover of tellers. I just told her to return my check and I would go. I have over $16,000.00 in that bank and they can not cash a $139.00 check. Please.
I now know why I do not have my personal checking there. I will soon be taking my business account to Tri-County Bank. You need to take a good look at their practices.
This bank has poor customer service and are very SLOW regardless of how many people are lined up. They continue with improper cash transactions. I had a check to be cashed for $4000 and another check to be deposted with cash back of $200. They gave me the $200 only and forgot about the $4000. When I asked where the $4000 cash was, they told me to send the carrier back. Then they sent the carrier with the money. No appology. No words what so ever. When I mentioned they should be appologetic, they said, have a good day and repeated the same words over my speaking.They contine to request a debit card for transactions when told them repeatedly I do not have one and they just continue to send the carrier back to the car to retrieve one anyways wasting more time. They are polite maybe 50% of the time. Sometimes they say nothing when you pull up and send the carrier except have a good day as they send the carrier back. They continue to keep your ID (license) and forget to give it back in the carrier. She forgot today and I was the only car there. When I addressed it with the supervisor today as it impeded my Social Security progress and therefore resulted in another appointment and told her that this happens frequently but surely I can not always be expected to be on top of them. Sometimes I have other things on my mind like today. When I told the supervisor the circumstances and that they frequently forget to give me my ID back, she said, "You left it in the carrier". I told her I DID NOT leave it in the carrier and she said the teller said I did. I took my receipt and there was NO ID in the carrier. I should have noticed at the time and asked but I was thinking about my Social Security appt. etc. Regardless, same continued problems at the drive up window at this Wells Fargo with no one taking responsibility resulting in terrible customer service. When I go to the Wells Fargo Bank on Pines Blvd, they expedite transactions, have not made a cash back mistake yet, are polite and always greet me and go above and beyond to tell me when it is raining to drive carefully. They NEVER ask me for a debit card, and have always returned my ID. Not returning to the Weston Wells Fargo.
I was in wells fargo to cash a personal check. when leaving a loose check must have slid out of the binder on the way to the car. When I got home I noticed this. I called the local branch to request a block on that check. A lady named Angela whom I talked to twice because the first time I was routed to an automated system that hung up on me. I called back again and told het this was an emergency where upon she would transfer me to someone. I was on hold again for almost thirty minutes.
So while I was on hold I had the time to get on the computer and find your 800 numberall the while waiting on the phone for the local branch person. That is the the worst service I can emagine for an emergency that should have been handled sooner as my account could have been cleaned out before anyone would respond.Your 800 service handled it before I could get anyone on the branch to answer the phone. The branch is 3860 south nova road, port orange, fla. terrible service!
TO: Senatorâs Orrin Hatch and John MCCain. FM: David W. Blue United States Sergeants Major Retied. Subject: Wells Fargo Home Mortgage Practices
Dear Senator, first let me thank your for your service to this country. I am a retired disabled veteran from the 75th Ranger REGT, currently living in Oro Valley Az. I served 24 years in the military both in conventional and special mission units. I participated in every combat operation from Grenada up to Iraq/Afghanistan.
I am now a small business owner (pool Service Company). I am attempting to refi my current mortgage located at 5407 Emmeline Drive Herriman Utah (for the 2nd time meaning wells Fargo used and obscure made up in-house rule to deny me last time) thru my current lender Well Fargo. I have been working with Kim Gooding Wells Fargo.
The current tactics which Wells Fargo are employing are both unreasonable and in bad taste. The tactics are this, they nickel and dime you to death for different forms and information trying to wear down the person hoping they will quite and walk away out of frustration. The latest questions are very personal in nature. My long term plans in Az. Utah ect. The reason I was given is we need to know if I am stable.
I have been paying my current mortgage to Wells Fargo on time, my credit is impeccable, I have been paying down my home principle in good faith to show I have the means to keep paying my bills. I have grown my small business to gross 130k not including my military retirement Wells Fargo has all my information to include my wife. This is not rocket surgery. I am at my wits end and need help with this.
It appears Wells Fargo is ok with me being qualified to pay them more money but not qualified to pay them less. The lenders have received my hard earned tax dollars for bail outs. The lenders should be held accountable and not allowed to treat folks this way.
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