This bank is the worst ever! I have only had the account for a few months and so far have had nothing but problems with it
Issue no. 1 - Pending charges - No matter what you do write a check, use ATM, or get cash from the Teller, they put those transactions as pending for 5-7 days which puts you in a bind when you have no idea when that money is comming out even after I recieved reciepts from the people I was paying saying they have thier money It still says pending. At other banks when you use their services it comes out that day! When you ask them about it they ALWAYS blame the merchant for not taking the money out even tho you have a reciept from the merchant and talked to them and they tell you they got their money. Why would they lie to you and after you provide the proof they say they can't help you they don't understand they are told to tell the customer that it is the Merchants fault and let it go?
Issue No. 2 - NSF fees -They charge you 34.00 per transaction that gets taken out even tho you have the money in pending status. Why can't that money be taken out? If its in pending status that money should not be available for use for other transactions. If I pay someone that money should be theirs not the banks... So lets say I have 100 dollars in the bank and I pay a bill for 100.00 and it goes into pending and I deposit 100.00 the next day then I take out 50 dollars they bank (woodforest only) takes the 50 out of my pending money first! Which is crap! No other bank I have ever Had does this!!!
Issue NO. 3 - OD fee - If you make a mistake and you go into the Neg and your there for more than 7 days they charge you 5 dollars a day fee. If you deposit money before the 7 th day and then use that money... Even tho you were a positive in your account (on record ie - bank statment) they still charge you 5 dollars a day stating that you have to be a positive in your account for a full 24 hours even tho in the paperwork they give you when you open the account does not state this at all!
Summery - I know banks are a business and are out to make money, they should not be ripping off their customers. This bank is one of the biggest legal scams in our country and the only reason they have remained a bank is because of their (we don't do credit checks to get you an account) people with bad credit history have no choice today but to get an account with them. If they were a regular Bank they would not have lasted 1 month competing with a REAL bank. My suggestion is this use a Debit/credit card and have your Direct Deposit going to the card DO NOT USE WF BANK! The card charges you a monthly fee but it is alot cheaper than getting ripped off by a BANK!
Customer Service - Well ive had 2 sided issues here. One Branch was very helpfull and kind and another was very rude and demeaning twords me as well as the manager (she rolled her eyes at me when I showed her the bank statment) If I am off base and wrong about any of this then tell me why is woodforest bank complaints running rampant all over the internet and this website? Why so many complaints? Have you looked at other banks complaint list? Like CHase or Wells Fargo? Hmmm something to think about.
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