Complaint Review: Wells Fargo Bank - San Francisco California

Chances are that these individuals haven't spent the time to find a true answer to this question. Does Wells Fargo rearrange your spending to make you overdraft? the answer is NO. I called wells fargo cuz I have had a similar issue. I was informed the way items post and how some items done through the credit card will take longer to post due to the fact that they need to reiceve the recipet before it post. They directed me to my discloser for further explination. So I found it and read that the items for the state I live in post credits first, then debits from largest amounts to lowest amounts. So theres your answer. Don't be ignorate and start blaming these companies without out proof. Read all your paper work before you signed and finally. Get overdraft protection. Thats what I did and god it has saved me a load of money. Later All Dr. James Omnebus

I KNEW IT !!!!! You are the guy that sits on the other side of my cubicle at work aren't you ??!?!?! LMAO I cannot even begin to imagine working for a bank of ANY kind ANYwhere....especially in this economy. Pretty scary at best. I also cant imagine coming on here to defend any of em..not when I think the fees and such are sooooo much BS!!! (necessary maybe....but I'll never understand charging people more of something they already know these people don't have.......MONEY) I would however come on here to defend the fact if you simply keep an up to date accurate check register, odds are you won't have to pay overdraft fees no matter how things get posted or when. Now I simply must get back to my pounding of the calculator before Edgeman peeks over the cubie wall and sees me here posting during work hours ! !!! LOL

Resty is employed by the following banks: BofA US Bank Wachovia WaMu And countless others to come on here and defend these criminal banks so that... umm... (why do banks hire people to post on here again?!) Anyways, Resty is clearly in cahoots with all of the banks!

Eloquent, accurate and directly to the point. Kudoes.

I read a lot here on RoR......sooo many are complaints against banks for ODF/NSF and whatever else these rotten nasty mean ol banks can tack fees onto your account for. Michael....forgive me for tagging your report....please dont take it personal....I mean it with alllllllll due respect ok? I just gotta ask.........do you people (meant collectively) HONESTLY believe these banks..... BofA US Bank Wachovia WaMu .....and the countless others named here..... have special programs and special people sitting off in some deep dark dank basement or backroom just itching and tap tap tapping the keyboard looking for nefarious ways and means of making you all over draw your accounts? Do NONE of you (meant collectively) think you have ANY responsibility in overdrafting your own account? WHY is it ALWAYS the banks fault? I DO NOT work for ANY financial institution.......not now...not before....not ever. I also happen to think these fees suck....no doubt about it. I think it's barbaric to charge $35 or more for overdrafts........I think it's barbaric too, to charge $8 a day for each day the account remains overdrawn. BUT..... I understand the need for them to seek some form of penalty for those out there who continually overdraw their accounts.......or for excessively large amounts over n over. Sheeeeesh they are not a charity....they're in it to make money. I wish the days of your banker being your friend were still here......but alas they arent. I just find it exceptionally difficult to believe ANY ONE OF YOU HONESTLY BELIEVES the banks are "out to gitcha" and do allllll this on purpose through NO fault of the account holder. Im with Edgeman, Steve, Robert, and the numerous others who post the simplest ways possible to avoid overdrafting.

"Whenever a customer of Wells Fargo Bank goes overdraft, Wells Fargo rearranges the order of charges in order to get as many finance charges as they can." - They always post transactions highest to lowest. But the only time you NOTICE is if you overdraft. Because this order does not matter if you don't overdraft. By the way the Overdraft is a FEE not a FINANCE CHARGE. "Wells Fargo will even retroactively change the date of a recent charge even if it wasn't pending in order to hit their customers with more finance charges." - While I can't say for sure most likey you were looking at On-Line banking and getting confused with the dates you were seeing. Which has to do with how Debit Cards transactions are processed. The easiest way to combat this is to treat the money as gone from your account as soon as you swipe your card. "..What happened was that Wells Fargo decided to take a large charge out a few days earlier than it was supposed to be taken out..." - Please clarify did Wells Fargo remove funds or did the company that you were sending the funds to remove them earlier. Most likely it is the later and you may have a valid complaint about the other company.