- Report: #1104440
Report - Rebuttal - Arbitrate
Complaint Review: Wells Fargo
Wells Fargo Charles Rep# U271378 Wells Fargo, Horrible Service, False Product Claims, General Apathy San Diego California
*Consumer Comment: Flawed Excuses
*Author of original report: @Tyg @coast
*General Comment: really now...
*Consumer Comment: You flushed $170
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Its no breaking story when someone mentions a bad experience with Wells Fargo. In fact I'd be hard pressed to find someone who doesnt have some type of problem with them.
Nevertheless, this feeling of helplessness against an apathetic giant upsets me worse than if they outright attacked me. In fact, this feeling frustration is exactly whatmade America rise up to become America in the first place. In a sense, this is my midnight ride to whisper my fellow americans "the regulars are coming".
I have been banking with Wells Fargo for about 10 years. [continued below]....
I still dont use Wells fargo as my primary bank but opened a checking again about 2 years ago and use it very little. Recently due to the holiday season I started making purchases from Ebay using Paypal linked to my Wells Fargo account.
About a month ago I recieved an overdraft fee but didnt have the time to call in about it so I just overlooked it and didnt think about it until today. Two days ago (Dec 2) I made 5 purchases
2 for 25$ 1 for $18 and 2 for $0.99.
The next day (dec 3) I recieved 4 overdraft fees and another today, $35 each. I wouldn't have even called Wells Fargo to complain if they hadnt specifically told me that because I opted out of overdraft the only time I could ever recieve an overdraft fee is on reccurring charges.
I also confimed this on their website.
I still wasnt upset. I assumed I would call them, they would be cordial, understanding and would probably give me credit for 3 out of the 5 fees, and from there on out I would just stop using my Wells Fargo card.
Not what happened at all. Charles Rep#u271378, the first rep I spoke with, wasn't mean by any long shot but despite me being nice and showing I've never received credit for an overdraft before, was apathetic and wouldn't give me any credit towards my account. He claimed that there was no such thing as not recieving overdraft fees, if you charge something onto your card you will always recieve a fee. He apparently wasn't aware of the opt out overdraft option.
At this point I actually am getting upset. Not so much the $170 they charged me for overdrafting $70, but for the sheer lack of customer service. Once I was clear he wouldn't budge I asked to speak with his manager. I dont remember her name but she was very cold from the start. The first thing I did was point out the two links provided above and how both say I shouldnt recieve overdraft fees from single purchases. it was as if she was prepered for me to say this becasue as soon as I did before I was finished she interrupted me to say that this is not true on Paypal purchases. When I said I wanted to close my account, in the tone of a snotty child she states that I cant due to a pending transaction. I told her that the only transaction is the $200 cash I just gave them to pay my overdraft fees. With a twinkle in her voice to insinuate she has "won" the discussion, she states that the cash I deposited is a pending transaction and it clearly states this in the rules of our agreement.
Also note that they charged me my fifth overdraft fee today (theyre only allowed 4 a day). Today before closing hours I paid all of my overdraft fees. Yet this directly contradicts What they say in their overdraft portion of website..
"There is no fee if your account is overdrawn during the day and you make a sufficient deposit or transfer before the posted cut off time on the same business day. Deposits are subject to our funds availability policy."
(I didnt bold the text they did)
I would like to finish by noting that I was more that understanding and willing to work with Wells Fargo. It wasn't the charges that upset me but their lack of concern and unwillingness to negotiate. Im sure if I read through one of their books on overdraft protection it would say the PayPal issue somewhere. But I shouoldnt have to. Im not a Banker this is why I purchase their services. I felt secure in the knowledge I gained from 2 pages on their website and 2 in branch reps to assume that I would not be charged overdraft fees becasue I "opted out of overdraft fees". However, the fifth charge is a blantent lie. But what difference does it make if they lie if there is no onoe to hold them accountable.
This report was posted on Ripoff Report on 12/04/2013 06:30 PM and is a permanent record located here: http://www.ripoffreport.com/r/Wells-Fargo/San-Diego-California-92111/Wells-Fargo-Charles-Rep-U271378-Wells-Fargo-Horrible-Service-False-Product-Claims-Gen-1104440. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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