Complaint Review: Wells Fargo Bank

On one occassion, i was on the road, and i spent thirty dollars beyond my spending limit, but it was broken up in about ten transactions, three dollars here, two dollars there, four dollars and the like, all of them under five dollars guaranteed. I had mistaken my balance and boom, my account was charged over three hundred dollars in overdraft fees. the bank literally laughed at me and told me there was nothing they could do, even reverse one or two transactions for courtesy sake or whatever, and they told me i was liable to pay all of the money back. Then they offered to garnish my other accounts.

On another occassion, i made a bad transaction with a phony credit card company and the credit card company took a few hundred dollars in withdrawals without my permission, the bank told me they would reluctantly reverse the charges and hold an investigation. Then they said, it could take a few more transactions before they would block the company from taking more money. When the transactions happened costing me another few hundred dollars, the bank offered to put a six month hold on the account blocking that company for six months, for a 39.95  fee. I could not convince them to wave the fee.

The bank said i had decent credit but signed me up initially for an "Opportunity Acecount" and that it was almost standard for them to hand that kind of account out to new account holders. the problem with the "Opportunity Account" is that it does not come with a Visa or Mastercard or it is rarely accepted by merchants as a valid debit and it costs 25.00 a month standard. It is an ATM card that is good only at Wells Fargo without getting a six dollar fee for every transaction.

When i finally earned a real account after about a year, i recieved a Visa Gold Card, and i opened a Savings and Checking Account. I deposited about a 1000 dollars in each. After about a month, i went in to get some of the money from the bank, and i was told my account was locked, as there was too much money in it to open the account up and just give me the money. In order to unlock it, i would need my social security card and or a letter from the social security administration validating my identity. My social security card was in the mail, and i had not recieved it. My legs were killing me, so i had to take a long cab ride to the Social Security Administration and still walk a half mile with bad legs in order to wait in line for an hour and a half, to get a letter, then i had to take the bus back to the bank in order to get 100 dollars out of my measley little account that had TOO MUCH MONEY IN IT!!!!! When i told the bank about that they told me there was nothing they could do about that, and they sent me on my journey out into the rain to get my letter!

When i finally wanted to pay back my four hundred dollar overdraft fee account because of thirty dollars worth of spending, they told me i had to pay it all back at once or not to bother. When i pleaded to get them to accept a payment plan, the girl at the other end literally screamed at me and told me not to bother calling back unless i wanted to pay it all at once, and then she hung up on me before i could respond.

I walked into the Ashland, Oregon branch and was having my transaction at the teller, when the male teller, very well dressed stared at me laughed, and repeated my social security number over and over again very loudly in front of about twenty customers. I asked him why he repeated my social security number, and he said, "excuse me?" i complained to the manager. And he would ask 'is your social security number_________? and then repeat it. and say oh, i asked you that."