I AM CLOSING MY ACCOUNT UNLESS THIS IS RESOLVED

Hello,

Wellsfargo ripped me off for hundred of dollars so call overdraft
fees, although I have saving can cover the amount when I travelled.
They continues charged me one right after another with $35 each
overdraft fees when I had over thoudsand in saving account with
Wellsfargo. I called and they told me that I had not set up the
overdraft. I never had anything from Citi or B of A banks. They are
suppose to help you from overdrafting and not like wellsfargo, they
silently charging you and many million of customers $35 each. I will
closed out my business account with this bank. Wellsfargo is the worse
bank with license to steal. I hope you spread the words. Thanks.

I have been a customer for 16 years. My husbands mortgage company
sent a check through a few days before they were suppose to. They
sent it through December 23rd. This resulted in 714.00 in over
drafts. Wells Fargo sends the largest dollar amount of debit through
first. This is the way that they get you. I would think that the
first debit, check or withdrawal would be first. After talking to
the risk operations they supposedly credited us back 9 of the
overdrafts (as far as I can tell they have not been taken off yet) I
was told to go through my branch and ask them to work with me. They
would not work with us anymore, I was told that it costs the bank a
lot of money for bounced checks. (They probably lose all of their
customers. I know they are losing another). How fair is that? I
talked to 3 different supervisors today. The last manager I talked
to, left me a message that it stops with him... Huh!!!! He's got
another thing coming!!! Has anyone ever taking a bank to small
claims? It's extremely unfair for them to take the largest debits
first. They make their money on screwing people!!!!

Hello. I understand where you are coming from, but unfortunately it is
not their responsibility to train you on all of their policies. They
should give you a general run through whenever you open the account.
Most of the information can be found in the brochures or on their
website. If they did fail to at least give you general information on
their check clearing and depositing, then that would be another
story.

The problem with Wells Fargo and other banks like Bank of America is
that they do their debits before credits. So it doesn't matter if you
beat the cut off times and deposit cash into your account whenever you
notice your negative balance. They will still hit you with the
overdraft fees because you did not have enough funds to cover the
transaction in the first place. Now, it does depend on the customer
service representative you talk to regarding this situation. Some are
forgiving, but most are not...sadly.

It is always best to keep a register of all incoming and outgoing
transactions...even if the check you wrote off a few weeks ago or even
a month ago is not handled just yet. Unfortunately, that's how they
make a lot of their income...on fees and loan interest. Your best bet
is to find a bank that utilizes their credits before debits. I
currently bank at Bank of Texas which is affiliated with Bank of
Oklahoma, Kansas, Arizona, New Mexico, Colorado and a couple of other
states I believe. This company is not one of your large nationwide
banks, but is an example of wonderful customer service.

best of luck :]

Remember Julia R..."They are enured and hopelessly endebted to the
system and will fight to the death to protect it" The Matrix


I'm on YOUR side. I hate banks with a passion for they're out and out
greediness. They are nothing more then usurers, stealing from the
public.

And the public applauds this criminal practice. Unbelievable.

Sorry, but your cost/benefit analysis is flawed. Based on your
attitude, the cost side for Wells Fargo should include keeping you as
a client. Why would anyone want to put up with you?

You're a journalist? Then show your post to your editor and be
prepared for a lot of criticism.

You're a jounalist and you don't know how checks clear at a bank.
What were you doing in school? Sleeping? Who do you write for? Is
it legitimate? And your threats. Wow......I'm sure Wells Fargo is
shaking in their boots. Unless you know Rupert Murdoch (sp?), I don't
think anyone in your profession will help you because you don't know
how to add and subtract. I doubt he even would if he too hated Wells
Fargo bank the same as you. Adding and subracting is second grade
stuff. You really don't have an excuse other than the fact that you
are not fully participating in your life and taking full
responsibility for your actions. No one else cares. Better go back
to class and learn that one, because you are going to have one bumpy
road ahead of you unless you do.

And if you need the money, ask each of us for a penny. You'll have
that $34 bucks in no time.

Good luck!

That's what your last paragraph amounts to. Credit me these fees or
I'll walk. HRMPH! Go Ahead! They won't miss you.

No one was UNHELPFUL or UNPLEASANT to you - you were IRRESPONSIBLE and
IMPOLITE.

I personally would like to dissuade anyone and everyone I know from
listening to anymore of your short-sighted, self absorbed rants.

And as for your allegation that spending $34 will result in a benefit
to Wells Fargo, LOL!

Let me break it down for you - when you bounce checks, which you admit
to doing AT LEAST one other time with this account and allude to if
you know that BofA reverses fees, you are not an asset to a bank, you
are a liability.

Last but not least, there is this nifty little invention called a
CHECK REGISTER - you should get one. And a calculator too. Come to
think of it, Wells Fargo might just give you BOTH of those things for
free! Consider it paid for with the two $34 fees you were charged.

If you can't manage your checking account, stick to cash.

are there so many people on here who believe being told NO is bad
customer service?

And why are there so many people on here who believe that a CSR doing
their job is a bad person, or mean?

Just because a CSR does not give you what you want, particularly if it
is something you do not deserve or that they are not required to give,
it does not mean they gave bad customer service.

You goofed, you pay the price. Yes, it would have been super if they
refunded you one of the fees, but nowhere does it say that they have
to.

Now, my real question is, if the CSR had gone above and beyond and
given you a refund, would you have posted a compliment on PFB? ;)

These things happen from time to time. They did you a favor by
covering the amount and this is how you thank them? It's not something
they HAVE to do, mind you. Asking for a one time reversal of fees was
a good thing to think of, but if you agreed to overdraught fees when
you signed, what exactly did that mean and a courtesy is something
offered (usually for having a stellar history with the company over an
extended period of time) it's THEIR choice and shouldn't be expected.


I know how upset you are, but the truth is, Wells Fargo did nothing
wrong and deserves to be paid for their services. It's MUCH better
than dealing with a collection agency.

I don't even have to read what the other posters on here have to say.
I'm sure they are saying it's your fault. But ya know, I don't think
you ever doubted that it was your fault. What you are doubting is
their lack of customer courtesy. And I completely agree with you.
Those fees are extremely stiff to begin with. Which is just another
problem with these banks. I hope you do get the reversal. And if not,
you should definitely close your account with them. Maybe if we all
did it (though the posters on here are too self righteous to admit
that they have bounced a check) these banks would start with a more
realistic fee.

So you think they should be pleasant and helpful to a customer who
doesn't understand how checks work?

If you want a problem bank to work with, go ahead and switch to BOA.
The CSR position in my local branch (which we have banked at for 52
years) is like a revolvoing door. Unfortunately all the good CSR's
come and go, while the bad ones all stay. Telephone support at BOA is
the absolute pits. It is essentially useless. After you speak with
three people just to get to the right department (in the right state)
they still can't help you 50% of the time.

Oh, the formula of "all they have to do is credit me this $34 to keep
me" won't work at all. Why? What is to keep you from doing it again
in a month? Oh, yeah - the $34 fee should keep you from doing it. I
see now; do you?

You're mad at them because you messed up balancing your checkbook? Not
their fault. They don't owe you a darn thing. Live and learn. I guess
you'll be more careful next time.

I assume they covered the checks for you? If they provided that
service, why would you think it is unreasonable for them to want to be
compensated for it? I agree that if you are running your account
close to the edge, 2 fees of $34 each stink - it was all within your
control though. The CSR probably talks to dozens of people every day
that want a fee reversed. Banking is a business, just like any other.
If you use their money you are going to pay for it.

Hmmm...here's the solution to your problem. When you write a check
debit the amount from your register. *BAM!* problem solved, don't
anticipate it clearing, don't think you are smart enough to float
checks, and don't think that banks are lining up around the door to
petition you for your business. If your account can be drawn to the
negative by a single item and you have to measure your good standing
in months you are a "below-average" customer. And here's a thought,
give the CSR a chance to do something above and beyond (i.e. I'll
refer business your way, bring more of my business to your bank, etc.)
rather than simply work to keep a potential "problem-customer." No
CSR is going to go out of their way to keep someone who is only going
to obviously cause problems in the future.

And for a simple and stinging coup de grace, your grammar is
absolutely atrocious. For a journalist your writing-style is really
bad. Re-read your work and realize that putting your caps-lock key on
will not convey anger and disappointment as much as you obviously
think it does. Grow up and gain some personal responsibility for your
actions and stop expecting others to go out of their way for your own
mistakes.

Depositing 2 checks as soon as you learn that you have overdrafted
doesn't negate the overdraft(s). It's the responsible thing to do, of
course, and it'll help you avoid fees continuing to pile up, but it's
not as responsible as ensuring that you aren't going to overdraft in
the first place.

And not having overdrafted in months, unless those months add up to a
bunch of years, is not the same as being "a very good customer".
Unless journalism is paying an awful lot better than I think, the fact
that you are able to overdraft because you don't understand how checks
clear or because you didn't notice that a check you wrote hasn't
cleared yet suggests that there's not enough of your money going
through Wells Fargo for you to stand out among their customers.
Moreover, Wells Fargo has only your word for it that you were planning
to continue to bank there even after you move out of state, and only
your word for it that you won't stick with them now.

I also have a hard time imagining how a journalist who insists on
telling everyone she meets that Wells Fargo was mean to her is going
to keep those contacts (or make new ones if she's not covering the
same stories in her new state as she was in her old one). I doubt I
know anyone you'd want to know, but I definitely wouldn't introduce
the people I do know to someone who is going to rant at them about a
bank when there are plenty of other people they could meet who could
offer them the same advantages. It's just not credible. (Although
just once I'd love to see one of these "I am in a position to turn
lots and lots of business away from your company" letters immediately
followed by President Bush or one of his successors called a press
conference to let everybody know that their President was treated with
condescension when trying to get Sprint not to hold him or her
accountable for minutes used between the loss of his or her cell phone
and the discovery that it was missing.)

There is this thing you're forgetting called personal responsibility.
YOU were responsible for keeping up with your account and written
checks via a check register or other means. You didn't do so, and
now, because a bank won't help you escape some of the consequences,
you're complaining and going to switch accounts. Wow.

He bounces checks and threatens to make full use of his connections to
tell everyone.... brother!!!
I am not convinced Bank of America did anything any different than any
other bank would have done.
BillR.

So you didnt have money in your account to cover the check that came
through? I would recommend whatever bank you use next time get one
that has an online website so you can check your balance often. I
love mine I check it a few times a week I dont like waiting till the
end of the month to balance my checkbook. I have had a check take
over a month to clear before (drives ya crazy but hey that is life)

Most banks are ok with the first request for a refund of charges, as
long as you don't make it a habit. I'd take my business elsewhere,
because this one sounds like it's making money off fees.
You are at fault for going over your limit, and should keep better
track of when you've got money to write checks with, and when you
don't. But the bank ought to be cutting you as much slack as their
competitors do. What's your credit rating? That might be a reason if
they know what it is, and it's bad.

Just consider this to be a learning experience for you instead of
getting so freakin upset at Wells Fargo. In other words, take
responsiblility for your own actions instead of blaming Wells Fargo.

As other(s) have mentioned, nowadays, with the internet (which you
obviously have connection to) it's rather easy (so easy a caveman can
do it) to keep track at what checks have and have not cleared.
Decades ago you had to wait for your monthly statement from the bank
and do some math to "balance your checkbook". That's no longer the
case.

Wells Fargo has a great online banking web site. The vast majority
of banks have them. They have to have them for competitive reasons.

Im sure all the other banks will be lining up for your business once
you leave Wells Fargo. They are all going to want your money (or lack
thereof).

"I have been a very good customer, and have never asked for a courtesy
reveral of a fee ever before...".

Doesn't sound to me like you've been that great of a customer because
by your own admission you have bounced checks.

If I were you I would follow through on your threat to close your
account as Wells Fargo has made it clear that they don't feel you are
as great a customer as you think you are.

And I hope you use your status as a journalist to let all your
connections know that you wrote bad checks and Wells Fargo wouldn't
reverse one of the fees. Yep - - sounds like a real career builder to
me!

I'm going to tell you what my Home Ec. teacher in 9th grade told me:

Don't spend money you don't have.

You should pay them an additional $34 for making this complaint. You
failed to monitor your account via a check register or monitor it
online so you overdrafted. Now you want them to pay for your mistake.
Sorry, not going to happen.

Take some responsibility for yourself and chalk this up to a learning
experience (which is seems is not the first time). Maintain a check
register!

It sounds like you are not keeping a check register. The check that
you thought was deposited weeks ago would have cleared if you would
keep a checking register. When you write it you write it down in your
register, the money is gone at that point, then you wouldn't have to
worry about it later.

It sounds like you had some bounced checks in the first weeks you had
the account which probably included a couple of NSF fees, this is not
what makes a good customer, included writing for money you don't have
and racking up several more overdrafts and NSF's.

This is your own fault. You didn't keep track of your account and
weren't paying attention to checks posting, etc. This isn't the
bank's fault.

You want them to pay you $34, in order to retain a customer that
obviously doesn't keep her checkbook balanced, and doesn't seem to
grasp how a checking account works?

You said you thought that a check that you deposited cleared weeks
ago, yet when it did it gave you a *negative* balance? If you deposit
a check into your account, it will generally *add* money.

Sorry for your situation, but I don't think they are going to be going
out of their way to help you.

A refund seems very unreasonable to me. If you overdraft, you pay an
overdraft fee, simple as that.

Do yourself a favor and open an account with a credit union, you'll be
much happier.

I'm sorry, but a good customer does not write checks for more than
they have in their account or have multiple overdraft charges.