Worst Customer Service Experience with a Bank
On December, 27 2011 I John Black opened up two accounts at my local Wells Fargo branch located at, Camp Creek Marketplace. I opened up the account with a check which happens to be a student refund check from American Public University Systems. I am attending school there majoring in Psychology and minoring in Special Education. On the 27th when I opened up the account by depositing my check I was informed that the funds would be available on the 30th of December. On the 29th I contacted the bank because I reviewed my account on line and it had a negative balance. Over the pone the representative informed me that my account was negative because the check was returned not payable. I was then advised to come into the bank. Once I arrived at the Wells Fargo branch I was informed that my account was scheduled to close because I did not meet the minimum requirements for an account. I was then informed that it will take 10 Business Days for the account to be closed and for them to issue me a cashier’s check that I would receive in the mail. I asked if there was anything that I could do to make the process go faster.
I was informed that I could get a letter from the bank that the check is drawn on stating the date that the check was paid, the amount of the check, the check number, person verifying and phone number of the verifier. I then contacted that bank and that bank informed me that they do not deal in third parties so they would not be able to generate that letter for me. However they would generate the letter if the letter was requested from Wells Fargo. I then contacted Wells Fargo and spoke to a representative from the Executive Office, the officer that I spoke to stated, “It is not the responsibility of Wells Fargo to request the letter and that they would not do so.” (Agent id 8992). I then contacted American Public University and they informed me that they could fax over a copy of the check front and back as well as the rest of the information that Wells Fargo was requesting. Next I contacted Wells Fargo’s Executive Office again and informed them of what my school stated to me. The agent with whom I spoke with informed me that that would not be sufficient because it will not be on the bank letter head.
Now that this situation has occurred I am now at risk of being trapped in what is known as the “snow ball affect”. Starting with being dropped from my classes at American Public University. Next not being able to receive financial aid again because I did not meet the minimum requirements. Eventually causing me to default on a loan because Wells Fargo has policies in place to hold funds for the maximum amount of time which they informed me would be 10 business days not including holidays.
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