In the time of giving, Wells Fargo banks can give me a blow job.

The BBQ Pit
1

I have a new personal crusade: I am making it my mission in life to deny any profit to Wells Fargo. I have had enough. Just this past hour, I had to make a trip to the store for a few odds and ends. First stop: The Wells Fargo bank counter to cash a check and make change:

Wells Fargo Employee a late teens-early 20s looking your man with an immediate air of attitude about him: “Sir, can I help you?”
Tripler: “Yep, I’d like to cash this check,” and I slip him a $25 check and my ID.
Without another word, he takes both and begins typing on his keyboard. A long pause later, I inquire: T: “Can I get that in two rolls of quarters and some ‘Sackies’?”
WFE: “Huh? What’s that?”
T: “A Sackie? The Sacajawea dollar. The golden dollar. . .”
WFE – a puzzled look. “And two rolls of quarters?”
T: “Yes, please.” [sub]This is a problem?[/sub]
WFE with an incredulous look on his face: “What do you need two rolls of quarters for?” [sub]You look like a terrorist. I shouldn’t give terrorists quarters.[/sub]
T – a bit taken aback, “It’s laundry day.”
WFE – hesitation sets in, “How much laundry do you have?” [sub]Terrorists don’t do a lot of laundry. I shouldn’t give terrorists quarters.[/sub]
T: “I just got back from vacation. I’ve got a lot of laundry.” [sub]What’s it matter to you, bub? Just get me the change, jackass.[/sub]
WFE: - a look of disdain: “Well, you’re taking my last two rolls. And I don’t have any “Sackies”. What do you need those for?”
T: “My cousins love collecting ‘em, and I send them to them in Christmas cards. But, I’ll take what you have.” [sub]I can understand if you don’t carry the Sackie, but I don’t care if their your last two rolls. You’re a bank. You’ve got more in the back. Go fuckin’ get ‘em in you need more.[/sub]
Manager: “Um, we don’t have any of those golden dollars, but I have these. . .” and she shows me two Susan B. Anthony dollars.”
T: “Oh, okay. That’ll work. Thank you!”
WFE:—starts coungint: “Here’s your two rolls, two dollars, and three singles. That’s all you are going to get.” [sub]You terrorist.[/sub]
T: – at this point, I could have reached over the partition and grabbed him by the collar—“Um, thanks.” I turn to leave.
WFE: “Have fun doing your vacation laundry. . .”
T: [sub]Go fuck yourself. [/sub]. In a mere instant, in this season of “giving”, I’m thinking of giving this twerp a smack upside his head.

So that was the breaking straw. Among other things:

[ul]
[li] Currently, I fork over $12.95 a month for using your bank. This is a $6.00 fee for checking (which originally was a free checking account, and $6.95 for your electronic Bill Payment service.[/li][li] Every time I go to an ATM, I pay the typical $1.50 or so for beer cash. That’s not enough for you cocksuckers. You whack me an additional $2.00 per withdrawal if I’m not using a Wells Fargo ATM.[/li][li] On several occasions, you have rejected my Direct Deposited paycheck. Granted, I ain’t Uncle Moneybags, but your rejection totally fucks up the automated Bill Pay stuff. In essence, through you, I fire off payments that I can’t fund. Thus, you whack me for “processing fees” which I have to get on the phone with your company to get refunded. This takes up time and money I shouldn’t be paying for your fuckin’ screwups.[/li][li] On that previous note, you have sometimes not paid two of my Bill Pay accounts. These are student loans that I’ve been paying through your Bill Pay thing since 2000. There have been no changes in account numbers or addresses. Yet, your computer system says, “Whoops! Ain’t gonna do it!”. [/li][li] You hit me up for “Savings Account Transaction Fees” if I transfer more than $300 in or out of my savings account. $3.00 per month, but it’s the principal of the matter. It doesn’t cost you a dime if I move my money over the internet. Fuck off.[/li][/ul]

So, these and a myriad of other nitnoid bullshit has me looking at my other bank. Free checking with no strings attached, no ATM fees from them, and if I do incur fees from the local ATM, I get reimbursed.

Wells Fargo, you have competition, and I intend to take my business over there. As soon as I pay off my credit card with you asswipes, a nasty of this letter will be sent to your home office. You had great service before, but now it’s obviously not a benefit to me anymore. I shouldn’t lose money in dealing with you.

So, in the noblest of seasons, I’d like to say, “Merry Christmas to all!” but Wells Fargo can blow me.

Tripler
This thread has been 12 months in the brewing.

2

Besides the obvious typographical errors, kindly realize that a “nasty copy of this letter” will be sent.

Tripler
I’m that damn pissed off. Grrrr :mad:

3

Sssh! Don’t anger the great gods of Wells Fargo! I banked with Marquette until they were bought out, and fortunately still have the same free-checking-no-ATM-fees-we-don’t-gouge-you plan, and am expecting a ACH transfer in the near future.

And if they screw that up, I’m prostituting myself on the street for lunch money.

So just wait until that happens, then give 'em hell. Watch my back; that’s all I’m asking …

4

Don’t worry bud, I’ve got you covered with all of the “Just Because” fees I’m paying.

But scrutinize any paperwork you get from Wells Fargo. They have a tendency in trying to charge you for the lube when they fuck you over. :mad:

Tripler
I’d call 'em Communists, but they’ve taken Capitalism to a whole new level. Fuckers.

5

I can’t believe that teller! What a maroon!
On the other hand, as a fellow WF customer, if you have Direct Deposit (which it sounds like you do, but is troublesome) can’t you get free checking?

That’s the kind of account I’ve got. Free checking with direct deposit, and unlimited use of my debit/check card. So instead of going to ATMs (and potentially paying a fee if it’s not WF) I just grocery shop and get cash back.

Just a thought. Not to ruin the impetus of the rant of course, which is completely JUST in regards to that shmuck behind the counter.

6

I didn’t even know they existed. I do have direct deposit–required by my Uncle–, but I don’t even know where to find it. Do they have a listing of possible account combinations online or something? I’d imagine account features are something like buying a car, you get what you can negotiate for.

When I first started my accounts with 'em, my girlfriend was an ex-employee with 'em, and knew several of the managers. One of the managers hooked me up with a great combination for the mere pittance of an Air Force sweatshirt. Great li’l branch, and I’d do business with them if I could. But the conglomerate grew, and I got buried in the numbers.

Doesn’t matter though. I’m changing over to the other bank ASAP. Hopefully within a month or so.

Tripler
My other bank gave me $27k for a truck loan in a matter of 20 minutes. I like their service better anyway.

7

Get in with the local Credit Union. They don’t hose me with fees or anything like that, and as a federal employee you’re eligible.

8

Tripler don’t give in! Leave Wells Fargo and quickly! I have many stories similar to yours with Wells, US Bank and others. I have a plan…but I’ll need help. It goes like this:

We (this is your job) hack into their financial server and transfer ALL funds into an Arabian bank account under the name of “O.B. Laden.” If possible, make it look like a CEO-initiated transfer.

The rest will take care of itself.

9

I can’t believe you’ve stuck with them as long as you have! I’ve got a great little credit union; free checking, low-interest credit card, and a grand total of $3.95 a month for automated bill pay. And the only time my paycheck didn’t make it was the Friday after 9/11, and that was because my employer uses the Bank of NY. One thirty-second call to my branch, and they covered all the bill payments I had scheduled until my paycheck situation got straightened out.

Why wait until your credit card is paid off? Screw 'em now!

10

Well, if it helps, I was on the phone with my other bank (USAA) and set up a checking and savings account within 10 minutes. No fees whatsoever, I get reimbursed for $15.00 worth of ATM fees a month, six free transactions out of savings a month, etc.

I am so bailing out of Wells Fargo. I hope then can suck my dust.

Tripler
I’m waiting for checks to arrive before I tell my payroll department to change over. I don’t want any “hiccups”.

11

I’ve read several rants about US consumer banking on here, and I have to ask - why are your banks so different from those here in the UK? I bank with the internet branch of a medium-sized bank, who give me a current account (complete with cheque services), debit card, credit card, interest free overdraft, free direct debit (automated bill pay equivalent, I guess) and free cash withdrawals from just about every ATM in the country, all for the princely sum of absolutely fuck all per month. Pay problems at the bank end are unheard of. All this is pretty much standard over here.

So what on earth did you guys do to deserve the sort of crap described in the OP? I can’t imagine why the level of service is so different…

12

Badger I’ve pondered a similar question myself. With painless alternatives available I don’t know why the monster robber-banks continue to survive given their current thuggery. I know that they buy up a lot of small, service-oriented banks and gain accountholders that way (whom they then fall upon like Vikings in a a girls’ dormatory). But why people remain with the bank mystefies me…unless they think they owe something to the financial institution in question. Could be that, like most other things that matter, people are too busy to think about in their waking hours.

13

As time goes on, I hear more and more horror stories about Wells Fargo. While not a banking customer, I do have all my student loans through them. I fear what happens in a year when they start coming due.

My parents are Wells Fargo customers. They are currently trying to get a home equity loan through them so that they have money to inject into their business. So far, that ordeal has been a major headache to me and reduced my mother to tears numerous times.

14

I think a lot of it is simply brand loyalty. It took me about three changes of ownership before I realized that the United Bank my first account was with wasn’t United Bank anymore, and was instead a robber baron. Now I’m with a credit union, and am much happier with it!

15

For me, BINGO! I used to have my account with Citizens National, a 12-branch regional New Jersey bank until they got bough out by Fleet Bank. Then, I went to college, and started stuff up with Wells Fargo. At the time, they were awesome. But then they grew into some awesome conglomerate of a virus and neglected customer service.

So fuck 'em.

Tripler
I’m takin’ my money elsewhere.

16

Esprit d’escalier answer: “I like to hold them in my fists as I sock overly inquisitive assholes in the jaw. Any other questions, sonny?”

Seriously, though, life is too expensive to put up with ATM fees at your own damn bank. Bravo on bailing.

17

Tripler, honey… they rip me a new one all the damn time. Fees… fees, yeah I get your fees, Wells Fargo. Take your fees and shove them up your collective banking ass!

Those fees were honest-to-God not my fault. I rarely buy anything unless I’ve got the cash in hand so Wells Fargo can suck goat butt until death occurs.

18

Then rise up with me! Dammit, rise up! Stand tall to these asswipes and say, “I hate this crap and I ain’t gonna take it no more!”

'Cause the revolution starts here and now.

Tripler
Fuck these bastards. These jackassed bastards.

19

Go with a credit union. Really and truly. Once you do business with a credit union, you will be amazed at how truly pleasant taking care of financial matters can and SHOULD be. You can get just about everything from a credit union that you could from a bank, except for the hassle. And the rates are always higher or lower than a bank, whichever is more favorable for YOU. They pay you higher interest on your savings, they charge you lower interest on your loans. And they’re always NICE.

20

Everybody knows you can go to any vending machine and get a copy of the most current aircraft manuals, complete with how-to instructions on piloting said aircraft.

Do it the smart way next time. Go to a convenience store and keep buying a 10 cent piece of bubble gum with dollar bills.