WELLS FARGO BANK This bank seems unable to inform customers adequately when using online services, . Nationwide

Guess you can't or don't read. The lat few comments that you responded to were Robert's, not mine. It's easy to tell the difference, just read the name at the top of the post. And if you try the "you're posting under both names", just look at the posts and you'll see different sentence structure, word usage, etc.

But, since you call my name...

In on of your recent posts you stated:

Consumer advocacy does work and unfortunately some people seem to want someone to blame when there is no blame to be had, just a system that grows too fast and has problems co-ordinating all of the factes of the process. For those of you who are complacent or blaming , it is not helpful to the business or the customer(Emphasis added)

   This is very ironic from a persom posting here that the bankwas to blame for the situation. I guess you just want to plae blame when there is no blame to place and you're not being helpful to the business or the customer (on this case you).

Private clients are treated better than you.

Ask your banker what you need to qualify

END OF STORY enough of the prattle strider. 

find a purpose for yourself besides attempting to discredit others. Does the term bully mean anything to you?.

I will no longer respond to your prattle!

You have avoided just about every question.  Especially a very important one if you truly want this to be a learning experience.

You keep saying that they agreed with you and at first did not follow proper procedure, but now have agreed with you that their system didn't work the customer and they are changing it.  Perhaps that is the same thing.  Who Knows?

But what is still not clear....WHAT IS THIS SYSTEM YOU GOT THEM TO CHANGE? 

I would think it would be great to be able to go into Wells Fargo and ask them about this procedure and see if they are following the "new" rules that apparently you single handedly got them to change.

It proves that self advocacy does make the difference. As those detractors show their true colors it only strengthens the need for honest individuals to stand up to bullies and buffoons who would minimize the power of the people. Individuals such as those who ridicule and demean others are in fact bullies and deserve no credibility so long as they try to force their belief system on others for their own aggrandizement and insecurity needs.

I have appreciated the opportunity to share my experiences with Ripoff Report and only hope others will benefit form my experiences

For whatever reason you seem to spend much time trying to ridicule and re-frame my comments to your purposes. I am flatered that you have spent so much time trying toi discredit my experiences but needless to say they are MY experiences and your prattle has not changed anything. Thank you for all of the attention you have given to me!

Consumer advocacy does work and unfortunately some people seem to want someone to blame when there is no blame to be had, just a system that grows too fast and has problems co-ordinating all of the factes of the process. For those of you who are complacent or blaming , it is not helpful to the business or the customer

THe bottom line is that I spoke up to change a system that does not work for its customers and the bank agreed. END OF STORY

Your misdirection and double-talk in all of your posts is really interesting...

Just as a suggestion to strider, the assumptions you seem to have made are inaccurate

-- The only "assumptions" I see in this report is yours....

they do not add credit cards to your online account , presumably so they can find you not making payments

- What proof do you have of this assumption?  By the way I did read the resolution..that they removed your negative item.  That's good, but it does NOT take away that you still must take a PROACTIVE approach and PERSONAL RESPONSIBILTY over your accounts.

But since you say he made incorrect assumptions, can you please tell us what ones you are talking about and exactly why they are incorrect?  I am going to "assume" you can't...because what he posted was either fact directly from Wells Fargo or if he is incorrect makes your story start to really fall apart.

Businesses are for the purpose of providing a service or good for consumption by its customers (customer driven). Why would a business establish policies to charge its customers for not knowing the policies and procedures that have been traditionally the responsibility of the bank?

- Show me one place where banks have "traditionally" linked a credit card to an on-line account automatically or that somehow this is a service they must provide?

Since you brought it up can you also explain to us exactly what other items banks have traditionally been responsible for and provide? In the 50's if you were overdrawn on your account they called you.  So is a bank being irrsonsible if someone goes into overdraft and they aren't personally contacted by phone anymore?  Just how far back in "tradition" do you want to go?

Why would anyone risk their credit reputation in a situation where they may risk damage by doing business with them?

- A better question you should be asking is why would someone risk their credit reputation, when they realize they didn't get a bill to not take PERSONAL RESPONSIBILITY to contact the bank and find out why?

I provided the information for others to be aware of a practice that harms customers without cause.

- Perhaps my favorite double-talk line of your post.  So is this the same information that just a couple of sentences before you stated opinions were being based on inadequate information?

By the way we only have what YOU post.  So if there is something that is of vital importance and would explain everything, why didn't you post it right away?

Unfortunately many of the rebuttals were censored by the website, this prevents others from learning about my experiences

- Oh so now this site is on this vast conspiracy of the big evil bank as well?  If these are the one's that got through I would love to see the ones that didn't.

 By the way as I mentioned I did read that you got it resolved.  But I am still confused as to this "procedural" problem you claim they said they had?  I have a few Wells Fargo accounts and I actually looked through several of the agreements.  No where could I find that it was standard procedure or that they are required to link your credit card to an on-line banking account. 

Once again thank you for the advice. My credit score has been restored to 823  and as I understand it, the top is 850, I am sure that one does not get these scores by being irresponsible!

You have been making aspersions regarding my character and this does not belong on this site. The purpose is to make people aware of pitfalls out there and help people avoid them. It seems that there are individuals on this site that use it to aggrandize themselves and belittle others. 

Now that the issue has been settled, the negative comment on my credit history has been removed and I have changed banks .

Thank you for the opportunity to share my experiences and hopefully others will not fall victim to the same procedural problems that I experienced with this bank.It

Everyone has them. Even you. When you posted here, you posted your opinion as to how the big, bad bank had treated you wrong by not doing actions that should be done by you not them. My posts have been made to help people learn that it takes personal responsibility to maintain their accounts. Just like it was up to you to add the credit card. No assumptions, just facts and reading what you posted.

Just as a suggestion to strider, the assumptions you seem to have made are inaccurate and the superiority that you express is not helpful to those of us who actually learn from our experiences. Thanks for sharing your opinion.

Thank you for your input. Your assessment of the situation seems to have been made without adequate information, this is a problem for many people who are making decisions regarding others actions. Please educate yourself before you make judgements about others, I provided the information for others to be aware of a practice that harms customers without cause.

Unfortunately many of the rebuttals were censored by the website, this prevents others from learning about my experiences.

My first post was not sent from WF website. I showed what their website has on it. I showed how easily the knowledge that the account owner can set up online banking for various types of accounts, including credit cards.

Wow, 623 people. That's a lot, huh??? Wait a minute, how many accounts do you think WF has? 1000? 10000? 100000? 1000000? I'm not sure of the exact number but I bet it's closer to 1 million than to 1000. So that would mean that most people operate their accounts without any major trouble. Now how can that be, if as you claim the bank makes a victim out of the account holders? The answer is the account holders that show personal respnsibilty in managing their money have no problems. The people who have a bank account and believe that the bank is going to work as a CPA and take care of all the little details are going to run into problems of their own creation.

The truth does shine through sometimes, with big systems it takes much longer if ever

After reading the rebuttals on this site it appears that WF is to big to succeed. The policies are computer driven, not consumer driven. Why would anyone defend a company that appears to victimize its customers?

Businesses are for the purpose of providing a service or good for consumption by its customers (customer driven). Why would a business establish policies to charge its customers for not knowing the policies and procedures that have been traditionally the responsibility of the bank?, it has different policies for online statements and paper statements, WHY? ( possibly to generate more profits for the stockholders?)

Consumer protections are being attacked by large corporations so as to enable `greater profits at the expense of the consumer. Lets blame the victim. (abusive).

In times of financial stress (RECESSION) behavior becomes a true reflection of the intentions of the actor (WF). Why would anyone risk their credit reputation in a situation where they may risk damage by doing business with them? 

Thanks for your input it seems to fly in the face of many others on this site but you are certainly entitled to your opinion as am I.

In your statement that you are not affiliated with the bank, it appears that your initial rebuttal was sent from their website, what a co-incidence!!!

Thanks again for your input.

You maintain the it's the bank's responsibility to establish and link all of your accounts in their inline banking. And your major complaint is that they didn't link your credit card? Is that right so far?

So tell me, did WF setup your online banking with your checking account or did you set it up? I pretty sure the answer is, you set it up. And you should have linked the credit card.

So, you failed to link the credit card. You failed to realize after a month that you had't received a credit card bill. You failed to do anything about not getting the credit card bill. And yet somehow in all of this, you're the poor innocent victim persecuted by the big, evil bank. Wow. Hope this serves as a wake up call for you and you start taking personal respnsibility for your money/accounts.

Oh and by the way, you're insinuating that I'm the bank trying to blame you. Nope, I don't work for the bank. The things I've posted are my personal opinions. 

It is interesting that WF shifts the responsibility to the customer to create their own account summary online. It is the antithisis of the customer bank relationship. If the company would do their job and list all of the accounts online as they do in their printed statements their would be no problem. Unfortunately WF seems unable to coordinate their policies and as a result punish customers for the ineffeciencies of their system BEWARE you will be blamed for their inability to coordinate policies that might benefeit customers rather than cause conflict and damage  the their customers credit reputation 

From their website https://www.wellsfargo.com/online-banking/statements/

How it works

View and access your statements with ease:

• Receive automatic email notifications when your Online Statements are available.
• Online Statements are saved as PDFs, which you can access, save, and print as needed.
• Online Statements are available for many accounts, including: checking, savings, credit cards, home mortgages, personal loans and lines of credit, home equity loans and lines of credit, student loans, brokerage, and trust and managed investments.

Emphasis added.

So online banking can be done for credit cards. Maybe you are the one that didn't set it up. If you have a card that you use, you should expect a statement to make your payment. If a month goes by and you don't have a statement you contact the bank, make a payment and find out why you're not getting the statement. Easy as can be. It's your money, manage it responsibly.