topic Re: Wells Fargo is a joke. in SmorgasBoard

Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Tue, 09 Dec 2014 00:17:32 GMT

I forgot to use my debit card 10 times this month and they charged me $10 monthly service fee, so I called them back to ask if it can get refunded because I had used my card 9 times and only needed 1 more transaction, the rep said they could only re-fund $2.50! WHAT!?!?!? I use this account pay all our CCs which is 20+, I re-ordered my Discover Debi card because Im not sure if I want to use my wells at the moment. I have 2 savings acct that also get activity,

Re: Wells Fargo is a joke.

mongstradamus — Tue, 09 Dec 2014 00:37:39 GMT

@BearsAndTurtlesRtheBest wrote:
I forgot to use my debit card 10 times this month and they charged me $10 monthly service fee, so I called them back to ask if it can get refunded because I had used my card 9 times and only needed 1 more transaction, the rep said they could only re-fund $2.50! WHAT!?!?!? I use this account pay all our CCs which is 20+, I re-ordered my Discover Debi card because Im not sure if I want to use my wells at the moment. I have 2 savings acct that also get activity,

I got annnoyed with the hoops you have to jump through with brick and mortar banks so i took out all my money from WF and opened up an Money Market Account at Ally, where i get 20x+ better interest rate, i use my checking with alliant credit union that gets me .68% interest on an checking account which didn't happen with WF. I have ranted about WF before but its all brick and mortar banks that are like that. I would think about cutting your losses and moving to another bank

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Tue, 09 Dec 2014 00:49:42 GMT

Im thinking about it, I did like the fact that citi didnt charge a fee to transfer money for next day delivery to my Discover checking unlike Wells that charged $3.00 for standard delivery and for express or next day its more,

Re: Wells Fargo is a joke.

Anonymous — Thu, 11 Dec 2014 00:34:59 GMT

Dumped Wells Fargo too. Rules of the game change too much. Glad I did!

Re: Wells Fargo is a joke.

SunriseEarth — Sat, 13 Dec 2014 08:57:36 GMT

I'm not a fan of the big banks for checking and savings. Find a CU and join. You'll be glad you did.

Re: Wells Fargo is a joke.

mongstradamus — Sat, 13 Dec 2014 17:07:59 GMT

@SunriseEarth wrote:
I'm not a fan of the big banks for checking and savings. Find a CU and join. You'll be glad you did.

online bank(Ally, Barclays, GE, cap one 360) or CU are really good choices imo. You can get up to 25x better rates on savings accounts. I don't have all that much in my savings account but every little bit counts.

Re: Wells Fargo is a joke.

eddie84 — Sat, 13 Dec 2014 18:07:52 GMT

I hate when they nickel and dime you for everything. It angries up the blood.

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Sat, 13 Dec 2014 18:10:57 GMT

I really do need to find a CU, my whole family banks with Wells Fargo and it makes it easier when transfering money without having to go to the ATM.

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Sat, 13 Dec 2014 18:16:39 GMT

I ended up closing both WAY2SAVE Checking and Savings. Feels good...

Re: Wells Fargo is a joke.

mongstradamus — Sat, 13 Dec 2014 18:28:58 GMT

@BearsAndTurtlesRtheBest wrote:
I ended up closing both WAY2SAVE Checking and Savings. Feels good...

It really depends on how much you need to go into an actual bank? If the answer is not very often to that question there are an bunch of national CU you can take an look at that may be able to satisfy your needs. I personally like alliant for their .68% interest checking its not an lot , but its something every little bit counts.

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Sat, 13 Dec 2014 18:36:10 GMT

@mongstradamus wrote:
@BearsAndTurtlesRtheBest wrote:
I ended up closing both WAY2SAVE Checking and Savings. Feels good...
It really depends on how much you need to go into an actual bank? If the answer is not very often to that question there are an bunch of national CU you can take an look at that may be able to satisfy your needs. I personally like alliant for their .68% interest checking its not an lot , but its something every little bit counts.

Will take a look at it thanks for the info.

Re: Wells Fargo is a joke.

Anonymous — Sun, 14 Dec 2014 15:36:34 GMT

Move to Chase if you need a brick and mortar. Wayyy better than Hells Fargo.

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Mon, 15 Dec 2014 23:59:30 GMT

@Anonymous wrote:
Move to Chase if you need a brick and mortar. Wayyy better than Hells Fargo.

My mom keeps telling me to try out Chase.... So may choices in CUs tho.

Re: Wells Fargo is a joke.

SunriseEarth — Tue, 16 Dec 2014 00:01:52 GMT

@BearsAndTurtlesRtheBest wrote:
@Anonymous wrote:
Move to Chase if you need a brick and mortar. Wayyy better than Hells Fargo.
My mom keeps telling me to try out Chase.... So may choices in CUs tho.

It really depends on what you need. If you need free ATMs that are everywhere, a CU is a great way to get that, due to the CO-OP network.

Re: Wells Fargo is a joke.

BearsAndTurtlesRtheBest — Tue, 16 Dec 2014 00:05:21 GMT

@SunriseEarth wrote:
@BearsAndTurtlesRtheBest wrote:
@Anonymous wrote:
Move to Chase if you need a brick and mortar. Wayyy better than Hells Fargo.
My mom keeps telling me to try out Chase.... So may choices in CUs tho.
It really depends on what you need. If you need free ATMs that are everywhere, a CU is a great way to get that, due to the CO-OP network.

By free ATMs do they have to be affiliated with that CU or any ATM? Or is that somehting I would ask the CU.

Re: Wells Fargo is a joke.

p- — Tue, 16 Dec 2014 00:37:48 GMT

Forget Wells Fargo. They kept changing account terms on me too, trying to find a combination where I paid a fee.

I got the message loud and clear; they don't want my business. So I moved everything over to USAA and couldn't be happier. I have a membership at a local CU in case I ever need a B&M bank, but have been fine with USAA. I never pay fees, and I have opted out of overdraft approvals. Everything is online and they reimburse me for ATM fees.

Re: Wells Fargo is a joke.

Chilli — Tue, 16 Dec 2014 00:50:04 GMT

I closed 3 accounts this month and it felt real good....the heck with hellsfargo. I am now a very happy credit union "member."😘

Re: Wells Fargo is a joke.

Anonymous — Tue, 16 Dec 2014 07:43:14 GMT

Back in 2006, I was a victim of identity theft and WF was one of my banks. Well WF got hit pretty bad and I lost $450 in the process (which for me at the time was half a months earnings). They decided that I was responsible for the deficit amount, which drove me crazy because clearly I was not the one making all of the charges. I was able to receive letters from WF regarding each individual charge to the account, and the letters stated that I was in no way responsible for the charges and that my check writing ability was still in tact. I couldn't believe that this bank would write letters informing me and other financial institues that I was not liable for the fraud on my account, but still held me liable for the deficit amount due to the fraud. They sold the account off to a collection agency, and I am glad that the CA has not attached the account to my credit. Even to this day, I will sometimes receive a letter from the CA. I in no way contacted the CA to dispute, because it was not attached to my credit so there was no need to dispute something that was not hurting me.