rude staff

I've had similar experiences in recent months. I've had documentation
that shows my balance at the end of a previous business day to be
positive, and then suddenly the next day it had changed to negative,
because they retroactively posted a few transactions. The staff
inside your branch doesn't help you, they smile and feel sorry for you
and spit out nonsensical bs explaining "policy." I swear it can't be
legal

I had a terrible, similar experience with WF last week and wanted to
share it with you. I have posted this on my blog

http://liberaltruthsayer.blogspot.com

under the title "Greedy Bank Bastards: A Cautionary Tale".

I am working on an update and am posting a link to your story on that
update. Free speech, hell yes. Lets' be loud, lets' spread the word.
Pass my blog entry to everyone you know, people need to be warned.

Oh and hey, if you can do it I really recommend a Credit Union, they
have fantastic customer service, low fees, low rates, and don't do
this crap with people's money.

Good luck hon,
Cara

Ah, the lessons we learn in college that aren't taught in a
classroom...

Here's a tip I learned in college after I got hit with my first
bounced check (oh, it was long ago when people still wrote checks).
Sit down with your register and delete a hundred bucks. This is your
new balance. Don't think about that hundred bucks again, EVER. This
is your buffer. THEN, don't withdraw anything if your new balance
gets less than fifty or a hundred.

I must be behind the times. What's Wells Fargo? A check cashing
company? I know they have trucks that fill ATM machines but is it a
bank too?
Anyway, Banks Check Cashing Agencies and Loansharks usually do charge
an overdraft fee when the balance goes from the pinkish grey to the
red spectrum.

If my minimum balance is 30 dollars and I THINK I have more but not
sure, I wouldn't tempt fate and charge 3 dollars plus or minus just to
see my new balance. It could end up costing me 99 dollars and a lot of
embarrassment if my previous checks post at breakneck speed because of
new electronic data posting techniques.
If the Employee is behind bullet proof glass or beside an armed guard,
it usually affords them the freedom to express THEIR constitutional
right of free speech and explain the facts called for. Maybe a more
civil approach would get better results.

If you are overly polite and nice to the customer service agent, Wells
Fargo will usually take off some of the overdraft fees, if you admit
that the problem is your fault.

They've done it for me.

You overdrew your account and got hit with overdraft fees - - plain
and simple. It is your responsibility as the account holder to make
sure you have a sufficient balance to cover all transactions that you
have authorized no matter the order they are presented. There is no
reason for Wells Fargo to "appoligising" to you for being rude as you
are the one that became hostile and threatened to bad mouth Wells
Fargo to other students at your college.

This situation has nothing to do with customer service - - your were
wrong, got ugly about it and didn't get your way. You may want your
$66 back but you aren't going to get it. I would suggest your re-read
your account holder agreement to become more familiar with the terms
and conditions of your account - - and learn to take responsiblity for
your own actions.

How is this the bank's fault? Keep track of what you spend and this
won't happen.

Why should you get your $66 back? You spent the money.

Other than that, I sincerely hope you stay in school and learn to
write a structured letter with proper punctuation, spelling and
grammar. This letter is a nightmare.

Plain and simple, transactions get taken out largest to smallest.
Please balance your checkbook to avoid such errors

I take it you knew the $89 was to come in or thought it was already
taken out. But a simple checkbook register to keep track of balances
may have saved you from their wretched fees. Fees are just not worth
it.

How was she rude? Was is because she wouldn't go against the banks'
policy for you?

I have a feeling the reason she called the manager over was because
YOU were being rude.

I hope for their sake you take your banking elsewhere.