- Report: #567689
Complaint Review: Wells Fargo Card Services - Eden Prairie Minnesota
Reported By:
Checo -
Burnsville, Minnesota, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
Wells Fargo Card Services
960 Prairie Center Dr Eden Prairie, 55334 Minnesota, United States of America
Phone:
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Wells Fargo Card Services Excessive overdrafts Eden Prairie , Minnesota
In 2008 I lost a partime job that was inabling me to pay rent and pay over bills.
When this happened it made it impossible to keep up especially when Wells Fargo kept tacking on overdraft charges. Whenever my account would get close to overdrawing they would throw some money from the attached credit card even if I got paid that friday they would hold say may rent check or my car payment then process it after the small amounts have already been processed that Thursday so they could collect overdraft fees.
I know what you all are thinking it is my faught for not handling the account the right way. For starters I had to pay the rent, utilites, insurance, car payment food and gas. Second of all Wells Fargo should not have been allowed to access over $4000 in overdraft fees in 1 year. There should of been a cap or a hold put on the card to signal their is trouble and been given options so it would not continue.
Oh wait branches are worthless a bunch of robots that have no say in company business to solve any problem they have to call a 1800 number to get permission or the blessing from the call center to form a thought, plan of action to help the customer. Heaven forbid they might have to loose some profit to make a situation right and keep a customer for life for taking care of the problem and making sure steps were in place to avoid the same pitful.
In 2009 Wells Fargo emptied my checking account to bring an account current not even asking if I needed the money or caring one bit because of that action I had to borrow money from a co worker to get gas and pay two overdraft fees that occurred due to their great forsight. When I went to the branch they told me they could not reverse it their and I have to call a 1800 number so I played phone tag being told their was nothing they could do to fix it or restore the funds.
I have written letters to the CEO and Credit Services and reported them to the BBB of California and the response I get was were sorry for your troubles but their was no bank error and we cannot reverse the fees and we cannot put you on a program because you are not delinquent. I know longer bank at Wells Fargo and pray July will come soon so I can knock another account from their cold greedy money hungry hands.
2 Updates & Rebuttals
Amazing
United States of AmericaI am amazed
#2General Comment
Thu, February 11, 2010
I have read this report several times now trying to see some type of logic in it, but the sad truth is this complaint is not based in logic. I find myself in disbelief, while I sit here typing,that we are really still in a place where people actually believe that banks are the cause of all of our problems an woes because they provide a service that is abused by the customer, regardless of the circumstance, and don't reach out to fix it. The very idea that the bank is responsible for our jobs, debt level, lack of planning, lack of savings, day to day spending, personal needs, and really anything else having to do with our own money management is really beyond any words I can come up with to describe how very sad it is that people remain the same, blame is much easier than taking responsibility for your own issues.
Times are hard, we all have issues, if our banks spent all there time trying to "fix it" or make it better for us with the end result being a life long customer, quite frankly they would all be out of business.
What you are being told in response to your requests is correct, there is no problem on the banks end, the problem and resolution rests on you.
Do what you need to do, find your alternatives, get help from family and friends, but please dont look to your bank to hold your hand and fix you financial problems.
I guess this may seem overly harsh, but really, do you really really believe your problems/difficulties are the responsibility of the bank?? Really!
There is just nothing else to say... very sad
Robert
Irvine,California,
U.S.A.
So what you are really saying is...
#3Consumer Comment
Thu, February 11, 2010
In 2008 I lost a partime job that was inabling me to pay rent and pay over bills. When this happened it made it impossible to keep up especially when Wells Fargo kept tacking on overdraft charges.....For starters I had to pay the rent, utilities, insurance, car payment food and gas.
- That because you lost your job you should be allowed to spend money you didn't have in your account and not incur overdraft fees.
Second of all Wells Fargo should not have been allowed to access over $4000 in overdraft fees in 1 year.
- Let's see $4000 in a year is around 120 overdrafts(or 10 a month). Unless every transaction you did caused an overdraft it seems as if that is a bit more than just rent, utilities, and bills. In fact I would be willing to bet that a majority of the transactions that had the overdraft fees were small(under $10) from places such as Coffee Shops, Fast Food Restaurants, and Convenience stores. YOU need to be very diligent in managing your account, especially if you keep low balances. The best way to do this is to keep a WRITTEN register, writing down every transaction you make. Then DO NOT spend(or even attempt to spend) the money unless it is available in your account.
Just based on your other comments in the report it sounds as if you have other issues, and perhaps you should actually look at getting some professional help. By that I mean contacting a Credit Counseling company and talk to them about getting on a Debt Management Program(NOT Debt Settlement).
