First Incident:
I opened a Wells Fargo account in Denver, CO for school. I had been a 3-4 year customer of BoA and had no intention of changing but I was unfortunately forced to as BoA does not have branches in Colorado.
At first, Wells Fargo representatives were charming and when I was fraudulently overcharged (the first overcharge ever) they did not count it against me. However, they were not so kind for further experiences.
After not checking my account for a 3 day period, I signed on to look and lo' and behold I was overdrawn in the hundreds. The cause? A $5 overdraft, hit with a NSF fee of $15, and an overdraft fee of $35. A $5 overdraft that did not exist mind you, it was another one of their banking mistakes. I called them, the issue was sorted, but they did not refund me the money they took from me, and I stayed in the red.
This overdraft ridiculousness then continued. I was being hit with overdraft fee over overdraft fee. Being hit with overdraft fees FOR my overdraft fees and very shortly I again had $200 overdrawn. When I attempted to get help they claimed it was from 2 weeks ago when I made a $10 withdrawal at my campus ATM and that it took 2 weeks for it to debit. That it was my fault.
They of course did not return any of my money. And for the Consumer rebuttal fanatic who will say I should not rely on online as my guide, I didn't, I use a check register. Wells Fargo defrauded me. Period.
Second Incident:
I had written a check to myself (to transfer money acct to acct) from my BoA account to my Wells Fargo account. Before doing this, I called the bank and asked them how soon I would have access to the money. They told me I'd have check card access today, and cash access tomorrow morning at 8am.
I went into the bank and when the teller accessed my account, I very plainly asked him, 'Regardless of my negative standing the check will have access immediately through my card, correct?' He then informed me yes it will, and deposited my check for me.
I then attempted to go to Burger King only to have my card denied.
I called the number on the back of my card and was informed that because of the $200 overdraft (incurred from the First Incident) that the check would not clear until the next morning for ANYTHING regardless of what the teller had said. I immediately called the bank, and the same Teller who had just said the negative standing did not matter, then proceeded to tell me that because I was in the red, it would not clear until morning.
He then proceeded to tell me that, however, if I made another deposit, this first check would cover the $200 overdraft, and I would then have immediate access. So, I made another check deposit of $980. I was assured I would be covered.
I again, tried to use my card and it was declined.
I called the number on the back of my card again (as it was now approx. 5 minutes after 6PM and the bank was unsurprisingly already locked down). I was then informed of the same, that it would not be available until the next morning. When I asked if I could have some money released tonight (as I needed it) he then, in a very enthusiastic voice, said it was not possible and bid me a good evening.
Moral of the story: Wells Fargo sucks.
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