Complaint Review: Wellsfargo - Fresno California

Why continue to live like that? You do have a choice. I survive very well without an atm card or a debit card. In fact, I always get through the payment quicker because I actually have money. It's the same with a checking account. I don't use checks. Why would I? I pay people right on the spot. Why in the world would I send them to a bank to get the money? That's crazy. It's a waste of their time and mine. If you have money, pay the person and be done with it. In this day and age, you can avoid banks entirely. Many businesses will cash your paycheck if you purchase from them. The post office has money orders if you need to pay a bill through the mail. The whole idea behind using banking services is to improve the quality of your life. Fighting one fee after another and paying hundreds of dollars each month is hardly my idea of improving my life. Enough is enough. Close the accounts. Leave. And, never look back.

Although I do agree that the fees at times are quite high for a very small purchase, the fee itself it your fault for not keeping track of your balance. Overdraft fees can be avoided by using your check register and keeping track of every single purchase you make, it's just simple math...adding and subtracting. Usually, banks will not credit a overdraft fee unless it's a bank error, but sometimes they will do it as a courtesy. I used to deal with this all the time because I relied on the online banking instead of using my check register. But, I now use my check register and I don't get any overdraft fees (unless I make a math error) Just call up the bank and tell them you don't want overdraft protection. But, that means that when you go into a store and you only have $4.99 in your account, and you go to make a $5.00 purchase, it won't go through. Also, you said you have monthly fees...why not get free checking (if you don't already have it) And I do think it is pretty shady to charge a fee just for calling to speak to a representative...you're doing business with the bank, so they should talk to you for free.

Although I do agree that the fees at times are quite high for a very small purchase, the fee itself it your fault for not keeping track of your balance. Overdraft fees can be avoided by using your check register and keeping track of every single purchase you make, it's just simple math...adding and subtracting. Usually, banks will not credit a overdraft fee unless it's a bank error, but sometimes they will do it as a courtesy. I used to deal with this all the time because I relied on the online banking instead of using my check register. But, I now use my check register and I don't get any overdraft fees (unless I make a math error) Just call up the bank and tell them you don't want overdraft protection. But, that means that when you go into a store and you only have $4.99 in your account, and you go to make a $5.00 purchase, it won't go through. Also, you said you have monthly fees...why not get free checking (if you don't already have it) And I do think it is pretty shady to charge a fee just for calling to speak to a representative...you're doing business with the bank, so they should talk to you for free.

Although I do agree that the fees at times are quite high for a very small purchase, the fee itself it your fault for not keeping track of your balance. Overdraft fees can be avoided by using your check register and keeping track of every single purchase you make, it's just simple math...adding and subtracting. Usually, banks will not credit a overdraft fee unless it's a bank error, but sometimes they will do it as a courtesy. I used to deal with this all the time because I relied on the online banking instead of using my check register. But, I now use my check register and I don't get any overdraft fees (unless I make a math error) Just call up the bank and tell them you don't want overdraft protection. But, that means that when you go into a store and you only have $4.99 in your account, and you go to make a $5.00 purchase, it won't go through. Also, you said you have monthly fees...why not get free checking (if you don't already have it) And I do think it is pretty shady to charge a fee just for calling to speak to a representative...you're doing business with the bank, so they should talk to you for free.

The comments you made in regards to the fees charged by Wells Fargo sound exactly like the comments my 21 year old daughter has recently made to me. WF charges an over draft fee as a penalty for spending money you do not have in your account. If you do not have the funds available at the time of purchase do not make the purchase. My daughter recently made purchases, then made a deposit hoping the deposit would be added to her account before the purchases showed up. She got mad when the bank charged her $170 worth of over draft fees for something that was clearly her fault, not the banks. When you set up your account two years ago WF would have shown you the fee rates they charge for various transactions. WF is in the business of making money, thus they make some of that money through fees. If you don't like the fees they charge then don't open an account with them, go somewhere else. In your particular case, and my daughters, WF did not do anything to rip you off. The best advice is to keep better track of your finances and avoid the fees all together. I wish you good luck in getting out of debt.