What is the Expiration Date on Human Decency?

My husband and I just welcomed our sweet little boy into the world. His coming was not an easy one. He was born blue and needed resuscitation after almost 36 hours of labor that ended in an emergency C-section. Four minutes later he took his first breath.

The next two weeks in NICU were not easy. There was significant trauma to the head and he experienced sometimes up to 24 seizures per day. There were times he stopped breathing completely and had to be resuscitated.

My husband and I were told that the home we were in the process of remodeling would have to be completed before the doctors would allow him to come home. My sweet parents, living forty-five minutes away, opened their doors to my son and me until the project was completed. My husband, family members, and neighbors rallied together in a herculean effort that touched me deeply.

Employers were extremely supportive and let my husband have more than a month off work. He would wake up at eight and work nonstop until midnight every day, sacrificing spending the first six weeks of his new son’s life with his new family.

My husband’s stress was compounded by the financial strain of finishing our home so his family could come home. As a result, things slipped through the cracks on occasion, no matter how hard he juggled. During this time we accrued over $1200 in overdraft fees from Wells Fargo Bank, all of which we made good on within a week.

In the past Wells Fargo had always been fair to us. We had no qualms with them. We thought the overdraft fee of $35 a bit steep but took our losses as they came. Many times they did forgive us our fees and we were grateful. We believed in human decency because they forgave us our mistakes. Not always, but enough that we still believed. Apparently, there is an expiration date on decency.

Not one of the $1200 in fees was forgiven during our family ordeal. We were instructed to call employees higher up the employment chain to see what could be done, if anything. To our shock and surprise, our requests were not only denied, but we were treated with disdain and scorn.

How sad to learn, amongst all the wonderful people who rallied for our son, and us, that the almighty dollar won out to the great Wells Fargo Bank. Enjoy your $1200; I hope the 5-course dinner you went to last night was worth

Many people I know bank through Wells, myself, husband, and mother-in-law included. A lot of people get mad about the overdraft fee and end up going to another bank, but I have banked through 4 other well known banks in the past like TCF & U.S. Bank and they charge an initial fee for the first day after you've overdrawn, then a smaller fee EVERYDAY until you make a deposit. I would much rather pay a one time $30 or $35 fee for an overdraft than end up paying $200 or more because of accumulating fees. Just my opinion though. Plus, I've had to go in to talk to someone about a loan or auto insurance or what have you and sometimes I have to bring my two small children and they are very understanding, helpful and courteous to me and the kids. They give them coloring books, lollipops, and drinks to keep them occupied and I really appreciated that. I am very satisfied with my Wells Fargo in Georgetown, TX.

I went in there to consolidate my debt, I make excellent income(they told me this) but I have no assets (home or new car) to borrow against... And they told me I couldnt get a loan... But just told me to get a co-signer with a newer car or house... Since apparently they no longer do personal loans, they told me they stopped doing them a year AGO?! Really? then why the hell are they offered on all the websites still & why are there pamphlets in the damn offices for personal loans if you no longer DO THEM!!!??? Great way to keep the poor people poor...

We chose Wells in the first place because my husband and I have been banking with Wachovia since high school, and we have always been satisfied with our interactions with Wachovia. My first credit card was through Wachovia, my student loans, our first mortgage... So we thought, "Hey, why don't we stick with the same company, now that Wachovia is Wells." BIG MISTAKE. Apparently, Wells Fargo does not know how to hire competent employees. We have bought and sold many houses over the years, and NEVER have we EVER been given the "run-around" so much! (And the economy and credit crisis is only partially to blame) Our closing was delayed by 2 weeks, but in daily increments, meaning we had closing appointments nearly EVERY DAY FOR 2 WEEKS, and with very little notice, it would be cancelled with a "promise" that there is no problem, something just needs to be reviewed, and it will done first thing the next morning. Needless to say, after the third time that happened, we stopped believing anything anyone from Wells Fargo said. We stopped re-scheduling the movers and the various service-men that were to install things for our new home, we stopped going into work late, we stopped cancelling appointments... We even unpacked some things. Eventually it happened, but after much stress and aggravation. And unfortunately, there's really no recourse. It's not like a restaurant, wher the manager says, "I'm sorry that your meal was not enjoyable. Have a complimentary dessert and a half-off coupon because we hope you'll come back." No, we paid Wells Fargo "an arm and a leg" for their services, and they could not care less that they sucked all of the joys out of buying a new house. We have since taken all of our banking business elsewhere, and I am looking forward to the day we get a notice that Wells Fargo has sold our mortgage to another bank! We will NEVER bank with Wells Fargo again.

ZERO STARS - Wells Fargo has filled their employee positions with MORONS. You cannot talk to the same person twice, they lose paperwork, none of them has the authority to make decisions. they are so big the right hand does not know what the left is doing. Through unfortunate circumstances of a divorce and putting our home on the market just as the US financial world collapsed and the value of the home (financed through WF) dropped below the mortgage balance, we were faced with attempting to negotiate with WF looking towards a "short sale" or "deed in lieu of foreclosure". While "negotiating" WF went ahead and had attorneys from another city file foreclosure proceeding; after six months and lowering the asking price, offers began to pour in. Our RE Agent valiantly attempted to negotiate these offers with whichever "mystery" employee of WF happened to get the next call. Offers and documentation were faxed and mailed over and over again - buyers walked - the foreclosure proceeded. My ex and I of course would take nothing away from the sale of this property, but WF stood to gain the majority of the loan principal and interest if they could have handled the case in a workmanlike fashion. The home goes to Sheriff sale in Allegheny County PA on August 3, 2009. Now the listing agent looses her commission, WF looses regaining the majority of the principal and interest and has to pay hefty attorney fees for the unnecessary foreclosure filing. Now you tell me - is this the way to run a bank? NO WONDER THESE GIANT BANKS ARE ALL GOING BELLY UP. And we the hard working American people have to bail them out because of the poor management. GO BACK TO YOUR LOCAL SMALL TOWN BANKS TO DO BUSINESS.

I wasn't aware of a bank policy and I accumulated 220.00 in overdraft fees. I am very dissatisfied with the fact customer service could not do anything for me. In the past they would credit half. I spoke with Liz a supervisor and she couldn't do anything for me and would not make matters better in any kind of way . What is a supervisor for!! I will now remove my car financing, checking and savings from this bank. A very unhappy customer!!!!

Wells Fargo -Long Beach Ralphs location is the WORST EVER! Their over-staffed branch is filled with RUDE, UNPROFESSIONAL, AND PRETENTIOUS employees, especially JESSE W. CADENA-who looks like the next contestant for an American Idol show-minus any talent. Trying to cash a simple check became a 1 hour NIGHTMARE, not to mention their shady transactions. They enjoy making people wait, and wait, and wait, while they gossip amongst themselves and pretend to be helping customers. I hope your branch gets shut down so you can go back to Customer Service school and be re-trained on how to treat any customers, customers with an account, or without an account at your bank.

I tried to set up a WellsTrade Account to roll over my 401K into an IRA. After two weeks of agony and tears I still do not have it set up. I am really disappointed because a really wanted to be able to take advantage of WellsTrade's free ETF trades. But trying to sign up has been so painful i will gladly pay handsomely to vanguard or another outfit to avoid any further pain from Wells Fargo.

Two weeks ago I spent about 3 hours online trying to navigate Wells Fargo's impossibly confusing website and after reading dozens of documents and webpages finally completed application for the WellsTrade account and PMA linked Checking & Savings accounts.

But for Wellstrade that is not enough - had to wait for them to send me a bunch more documents in the mail - which I finally received yesterday- another 2 hours of reading & document signing.

Finally having my account number and password to go online - I can see checking and savings - but no Wellstrade account! After calling Wells Fargo they were able to get my brokerage account on screen...

but it just says "brokerage" - no indication if it is correctly the "wellstrade IRA" type of account I was trying to sign up for. The brokerage screen did have a link to 'retirement planning" so followed that - then it asks me to sign on (which is strange since I was signed on already)- but my logon (which just worked an hour ago) no longer works! The logon screen gave me a number to call with difficulties logging on so I called that number...

After speaking with the Wells Fargo rep for a few minutes we determined that he was in the wrong department to help me with a wellstrade IRA, so transferred me to another department....

After speaking with another Wells Fargo rep for a few minutes she indicated that she had nothing to do with wellstrade IRA and transferred be to another number.....

That number led me to a computerized set of options - none of which had anything to do with my problem - and no option to actually speak with a real person.....

No now I am done. i can't take it anymore. I will now attempt to close the brokerage, savings and checking account I just opened and hope closing the accounts is not as painful as trying to set them up in the first place!

Very good bank. I've had bank accounts here for years, and recently transferred a Merrill Lynch account to Wells Fargo's WellsTrade brokerage which makes it easier to trade on-line.

I don't expect to trade much, but if I'd had my account at WellsTrade earlier, I think I would have sold some stocks that have deteriorated substantially while at Merrill.

WellsTrade's website is intuitive and works very well. In today's world of lousy banks, Wells Fargo has long been one of the brightest stars. Wells Fargo's systems are good, it's ATMs amazing with no-envelope deposits and photocopies of checks on ATM receipts. Quite high-tech!

In January 2009, when mortgage interest rates fell down to 4.875%, I decided to refinance my existing home mortgage and had contacted my Wells Fargo mortgage banker. He gave me a free 3 month rate lock and charged me half a percentage point refundable at closing plus the appraisal fee $350. This was the same mortgage banker who did an excellent job four months earlier assisting me in buying my first home. Therefore, I knew and trusted this banker. My appraisal happened quickly and even though my house lost fifteen grand in value within a mere four months I still had enough equity for it not to be an instrumental problem. The rest of the paper work took another month to complete and by the mid of February everything seemed to be in order. I received a commitment letter from Wells Fargo and started waiting for the closing date calling in once a week just to remind them that I’m still out there waiting.
After the passing of one month, there was still no news on the closing. Anytime I called or emailed I was hearing a repetitive story about waiting for CEMA. Apparently, it is some kind of mysterious entity that not even my mortgage banker can get through. I should tell you that I tried calling Wells Fargo customer service hoping to get a better result but after 20 minutes holding and being transferred from one customer representative to another, I ended up backtracking to my starting point. My mortgage banker told me that Wells Fargo receives 9000 refinancing requests per day and their system is designed to handle only 1100 so they cannot keep up with the demand. In addition the bank is tightening up there credit standards therefore their employees must undergo additional training and learn new procedures which further increases the wait time. Meanwhile my rate lock has expired and my appraisal and credit check will expire soon and there is nothing I can do but wait and hope that Wells Fargo doesn’t screw me up. So be careful with paying them refundable points upfront because you will loose the flexibility to walk away.