Marc Perkel Rantz

I work at Wells Fargo and it is not the company's fault. The teller gets sales for signing people up for credit cards and they get an additional sale and money if they sign them up for the rewards program. The person you went to was not very honest and signed you up for the rewards program with the credit card. The credit card is free.

Yes but if the company has employees that are dishonest and Wells Fargo lets it happen because they make money them it's like Wells Fargo doing it. I'm sure that the employee will not be disiplined for it.

I am a banker at Wells Fargo, and I have to agree that if there are any fees attached they should be fully disclosed to the customer. That employee may have signed you up for a "no fee" credit card, but did not tell you that there is a fee for the Rewards Program. Wells Fargo trained I and my co-workers on the laws pertaining to "no fee" and "fee" based products. We are required not only by law but also by Wells Fargo policy to provide full disclosure. The employee knew better, however, was more concerned about "sales" than "service". I have banked at Chase, Citibank, Washington Mutual, America First Credit Union, and Bank of America. I have learned from those banking experiences that there are the few employees from each bank who are lax in compliance of company policies and banking laws. Wells Fargo does not take such an incidence of deception lightly. I have witnessed employees fired on the spot for lying to customers only to pump up their sales numbers. Wells Fargo calls it "gaming" and it is prohibited. As a consumer, I do watch out for such deception, and yes, we should all be analytical when it comes to credit card agreements with any bank. A good relationship with a bank is based on open and honest communication and ethical practices. As the customer, we need to be proactive and make sure the bank is aware of an employees actions that can hurt the customer and the bank. It is best for all of us.

I am tired of bank fees for a service called courtesy pay or something like that. Its a service were if you make a transaction and there arent funds in your account they pay your amount as a "courtesy". Then they turn around and charge a ridiculous fee. Wells Fargo charges $66 for amounts they cover that are over $100 and $33 for amounts under $100. To me that is highway robbery. Especially when I purchased something for $5.38. Turns out that I actually paid $38.38 for that combo. It seems to me that the people that cant afford are the ones that get charged this fee the most. They claim that you should be checking your account. OK I agree, but I think the fee is a little too high. It should be something like $10 to qualify as a "courtesy". Anything more I would call a "rip off".

Here's another heartwarming holiday story for you. I work in Albuquerque, NM (yes, the so-called "Land of Enchantment", but that's another story) and I was working in the "far heights" late this Friday evening, December 22, 2006, on an interior design project. With 15 minutes to spare in order to deposit checks totalling around $20,000 needed to cover business expenses and holiday purchases, I covered the distance to my nearest Wells Fargo branch at the corner of Juan Tabo and Montgomery Boulevards in just over ten minutes time on icy streets (no, I wasn't going over the speed limit, there was too much holiday traffic), only to be stopped at a long red light at the adjacent intersection to the branch. Finally, I rolled up and parked in front of the front door right as a bank employee with eyeglasses wearing slacks and a white or light dress shirt, dark curly hair, about average height (I hope this is enough of a description to get his chicken-shit candy-ass fired, but suppose that would be expecting too much from a corporation that clearly does not give a rat's ass about its customers) strolled up and locked the door while watching me wave. As he turned and strolled away without any acknowledgement, I checked my T-Mobile auto-updated cellular phone and saw that it was 5:58 pm, presumably two minutes before official closing time. Thanks for caring! Here's wishing for a lovely Wells Fargo bankruptcy in the coming year, you flaming assholes...

It could very well be the employee you talked to did sign you up for a no fee card and the banker that actually does the writing of the order added the rewards as that is how they get paid.
Aa far as the fees for covering checks the other poster wrote; they are not your mommy, if you do not have the funds do not write the check, they did not agree to fund your life for what you decided was a fair amount. As for the person that thought showing up at two minutes before the bank closed is acceptable, I hope you bounced checks all over the place. In case you did not know banks close the books at two; the branch staying open will not get your late deposit in that day after that time. Perhaps you think every one on earth should stay late at work while you drive home because you waited until the last second to get your tail over to the bank to deposit the funds to cover your hot checks. For me what ever business anyone works for they do not get paid enough to stay LATE so you can get your work done. Those working at the bank have to balance down before they leave and for some reason idiots like you think as long as they are there and you show up they should stay and do your bidding. They are employees not owners. Perhaps if you gave a rats ass about others instead of being so selfish you would understand. You were still in your car and with two minutes to go according to your side of the story,you thought you could get into the bank and transact your business and be out the door by six.
And while I am on my rant how did it become the banks problem you were on the other side of town when you decided to get your business in order?
Did you also rant to the city there traffic light delayed you? He who hesitates is lost, loser.

My Wells Fargo Nightmare!

So, i think i've lost my wells checkcards, having misplaced my wallet.. So, given I'm not interested in subsidizing potential finders mcdonalds and movies, I call the 800 number and cancel the cards requesting new ones.. Great, everything handled right?? Wrong.. Seems like for Wells Fargo, cancellation is only conditional cancellation! No cash in acct till new cards right? (see mcdonalds above). Only way to resolve a questionable transaction is to pay it, then it get's reviewed, and maybe a month later, you get your money back.. so $5.00 balances, and cards canceled... so I think..

This is NOT the case.. everyone I had given that check card to for auto monthly pay, started to hit. I thought the card was cancelled, I thought this wouldn't happen.. Not only did they overdraft my accounts, but they created overdraft charges to the tune of $170.00! But wait.. I thought I'd cancelled.. well that's not what wells fargo calls cancelled.. Conversations with 800 customer service and branch manager were fruitless.. no refunds on overdraft charges.. Not like i wasn't in there the next day to make good on the funds..

So I've written a very objective demand letter to their registered agent here in arizona, shortly to be followed up by my small claims supoena.. We'll see how the judge likes this kind of customer service when I lay it out..

>>So Wells Fargo Bank talks me into a no fee credit card and I get the thing and without having ever used the credit card I see a $29 fee on it called the "Rewards Anual Program Fee". I called them up and told them that the bank had told me it was a "no fee" card and they did take the fee off. But I think that it is unethical that they offer a no fee card, add a fee, and then you have to call them to remove the fee from their no fee card,

I do no believe this was an honest mistake so watch out when gettig a "no fee" card from Wells Fargo Bank or any other bank.<<

The exact same thing happened to me. I received a letter welcoming me to their rewards program right after I received the card. I called ten minutes after opening th eletter. The woman on the phone told me she thought I probably cancelled in time to avoid a fee. Cancelled what? I never agreed to it or wanted it in the first place. Completely unethical.

How about this one: I order a part to repair my truck - the one I use for business. My supplier is in the Midwest. Total order is a bit over 1500 - I use the check card, having put enough in the account to cover the charge. Card is denied. Probably due to a daily limit, or max limit being hit.

So I call WF at their 1-800 number.

The "banker", after I described what the issue was, toddled off to the "supervisor". After getting off hold, I was told that there was no way they could raise the card limit for this purchase, even temporarily. (Funny, they've done it before for me). Well, when could it be raised, can they review it? Answer: All accounts are manually looked over, and we might be able to raise the limit in a month or two (now folks, that's pretty verbatim. That particular line got burned into memory...)

I'll be pulling all my accounts ASAP and shifting them over to the local Credit Union. I've had it. Outstandingly poor customer service on their part.