Wells Fargo Financial Cards called me at work to collect a $35 over-the-limit charge on my credit card.By the way, I did not want the card, but it was transferred over to Wells Fargo from Lazy Boy Furniture. When I told the person that I was not at liberty to discuss the issue at work, she became rude and demanding, insisting that I settle when I was going to pay the amount then and there. I gave the collector my home telephone number (which they already had) and asked for a call-back after 6:00 pm when I would be able to discuss the call. Later, when I arrived home, I called their 800 service number because the call at work had been very distressing.
I was told by the customer "service" rep that the $35 was the annual fee that put me over the limit. I asked her to remove that amount. She verified that I was a good customer, always paid the bill on time, etc. So she agreed to remove the $35 which put me over my credit limit. She then told me my next payment was due at the first of the month. When I went back to my personal bill file, I noted that I had already paid that bill (about two weeks before the bill was actually due). The next morning, I called the 800 number again just to verify that the charge had been removed. It had not. I once again explained to that "service" rep all that had happened and she assured me that she would indeed remove the charge. When I asked for her last name or the name of the manager so I could be sure to follow up if necessary, she declined to give me that information.
About a week later, I started receiving phone calls from Wells Fargo Financial Cards collection again, now stating that I owed over $70 in overcharge to the account. I told them they were mistaken, but apparently "new charges" had been added to my bill. They insisted right there and then that I make a payment arrangement. I declined, telling them that I would not make any arrangements until I actually had a bill in hand and since I had already paid the bill for that month, they would have to generate a new bill. The "service" rep insisted that I make a payment arrangement then and there. I firmly declined and asked to speak to her supervisor. "Michelle" came on the line and told me that I had not adhered to the terms of agreement for the card. I was also told I would receive a phone call every day until I made a payment arrangement. I asked for the name of the president of the company and Michelle LAUGHED at me, told me to have a nice day and hung up.
Through time and energy, I found the name of Anne Jackson who is supposedly the president of Wells Fargo Financial Cards. I wrote her a letter of complaint, telling her that I did not want to be contacted any further by telephone and asking that she write me a letter of confirmation. I sent the letter by certified mail and received a confirmation that my letter had been received, however, Ms. Jackson had NOT signed it. It was signed by John Pierson who probably works in the mailroom. I seriously doubt Ms. Jackson has seen my letter. And here's the reason why:
I received a letter yesterday from Wells Fargo Financial Cards informing me that my account had been closed and no further charges will be accepted on the account. (Yesterday was February 24. On February 20, I sent a payment in to them, again it was two weeks prior to when the actual payment is due.) I was instructed to destory all my Wells Fargo credit cards and convenience checks (which I have NEVER used).
I will never do business with this bank again. I will also make it my personal campaign to tell everyone I know who is thinking about getting a credit card, applying for a mortgage, opening a checking account, investing in a CD to NOT use Wells Fargo Bank. As far as I am concerned, they are a shameful lot. I hope the next company I hear about going under on the national news is Wells Fargo Bank. They certainly deserve it.
By the way, I will be sending Ms. Jackson a second letter with half of my cut up credit card, along with several reports I've copied from complaint, and a copy of the idiotic letter I received yesterday. I will be giving her my home telephone number so that if she chooses to call (which I highly doubt she will) I can ream her and her company good.
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