I pit Wells Fargo.

The BBQ Pit
1

How fucking long does it take for a deposit to clear?

Granted, I can believe that if I had handed the teller a check written on a 2x4, or a convenience check, or handed her a suitcase of Polish zlotys, it might take a couple of days to get it straightened out. Especially since this was on Saturday morning.

But I deposited cash!!! I filled out my deposit slip and gave the teller a wad of C-notes. Well, maybe not a wad, but a larger collection of C-notes than I’ve had in awhile. Why is cash not credited to my account instantly? Or at least within a few minutes or hours? Is there a real reason for this?

What, are they waiting for clearance from the Federal Reserve? Did their counterfeit detection pen run out of ink, and the new one doesn’t arrive until after the New Year? It’s fucking cash, for Christ’s Sake! It doesn’t need to clear! Just put it in my fucking account!

Why does my online account summary still show the deposit as pending? Did you write a letter to my mommy asking where I got all this money? I’m not a pimp, although if I had spent it all on hookers and booze, I could at least be putting it to some use, instead of floating in the ether of the bank’s computer system and not earning interest.

It’s not even the largest deposit I’ve ever made, and I realize the banks get performance anxiety with big deposits, hell, the tellers practically urinate on themselves if I cause them to have to fill out any extra paperwork. It’s not even close to the largest ever, it’s not even the only big deposit I’ve made recently.

Where’s my fucking money? I’ve got rent due in a few days, you pig-sucking uncle-fuckers!

Next time I make a big cash deposit, I’m going to dress up as a pimp and have my money rolled up in a wad and act as suspicious as possible. I’m going to have my roommate write out the check for his portion of the rent on a stray cat, and misspell my name, to boot.

I’ll drive to San Francisco Airport, to the currency exchange at the international terminal and convert it all into the most obscure currency they offer before I bring it to the Wells Fargo desk in Safeway where I do my banking.

I will buy something from a foreign country and take up as much of your time as possible with a complicated international wire transfer.

My money will be dirty and soiled.

I will start to fill out paperwork for a home loan, hopelessly backing up the line, then change my mind about the whole thing. Well, maybe not that, because I don’t want to make the other customer stand in line, fighting for space with shopping carts leaving the checkout aisles.
shakes fist

2

Banks fucking suck. Be glad you’re not with my bank. I had the misfortune of doing some business with a Canadian company.

I cash the first check with them in early August. Three weeks into it, I notice the damn thing hasn’t cleared yet. I give them a call, turns out it “takes a few days” because it’s drawn on a foreign bank. Whatever; they cash the check and I have my money.

I get another check from them in early November. I expected it to take a week or two to clear like the last time, but after four weeks I finally call them in the midst of finals to ask why it’s taking so goddamn long for the hold to come off of my account again.

“Mr. Tony, we seem to have lost your check in the mail.”

Great organization! Merry Christmas everyone!

It looks like getting a replacement check is the best solution, so I start that process. Then… last Thursday, I get some mail saying that the check has been returned because it was drawn on a foreign bank and it’s got a photocopy of the check. So which is it: did you lose the check sometime after it was in your hands, or did you stop accepting money from places you’d accepted money from before?

:mad:

My dad informs me that our bank once put a hold on a small check from goddamn Solomon Smith Barney. They were apparently concerned about the place having available funds.

:smack:

I was thinking about pulling my money and place it elsewhere. My girlfriend says to join her bank, since they’ve got a branch in the safeway near school and all over:

Wells Fargo.

:smack:

3

I pitched a fit because the bank one of my cat-sitting clients gave me a check on wanted to charge me $5 to cash the check. Because I didn’t have an account there.

Excuse me?

I called my client, and explained the situation, and said that since they hadn’t done any of the work she had paid me for, I didn’t see why they were entitled to any of my pay.

It got interesting. My client is connected. I can now cash her checks ( I usually deposit my checks into my account but I was shopping that day) and if I have any more trouble with that bank…it will not be only her personal account they lose.

I hate banks.

4

*Oooh hoo the Wells Fargo wagon is a coming down street
I wish I knew what it could be!
*

One of my favorite musicals songs evar!

sorry, carry on with your bank rants.

5

The sign at my credit union in Monterey clearly informed me that my deposits on Saturday would be credited the next business day.

6

Wells Fargo must have some magical deposit policy that changes just about hourly. Every single time a make a deposit, the length of time it takes to actually be put into my account varies from a few hours to almost a week.

My random FUCK WELLS FARGO rant

My father has his personal and business accounts at Wells Fargo, like I do. Because of this, my pay checks are written off of a Wells Fargo account and deposited into a Wells Fargo account. I write my own checks and that particular day I was rushed; my check was supposed to be for $119.60, but I wrote out One hundred and nineteen dollars and six cents (the part where you write it numerically was correct at $119.60).

Well, I take my check into the teller so I can deposit it into my account. She looks at the check, looks at me, looks at the check, gives me a dirty look, and walks away from the counter. She walks back to the manager lady who was sitting at a computer. Manager lady looks at the check, looks at me, whispers to teller girl. They then call over 3 other people. They point at me, talk, look at the check, look at me, and by now 10 minutes have passed.

I finally walk over to where they were (I found it tremendously rude that they didn’t just ASK me, but rather sat there pointing at me) and I explain the mistake I made. I said I’ll just eat the 54 cents, it’s fine and not worth all this trouble. They say they can’t do that and that they’ll need to call the person who signed the check. I explain that it is my father, that it is April 15th, and that my father does taxes- calling him right now about 54 cents wont end well for them.

After 15 more minutes of discussion, they agreed to give me the 54 cents. I was pissed and almost closed my account. TWENTY FIVE MINUTES OVER FIFTY FOUR CENTS!

Aye. I hate Wells Fargo, but ya know what? Washington Mutual is WAY worse.

7

I used to bank at a local bank where I live. One day a check I had written bounced. For no reason. I went into the branch to find out what the problem was. Two days previous to getting the notice that a check had bounced, I had withdrawn $20 from the ATM outside of the branch. But there were plenty of funds remaining to cover all outstanding checks. I made no other ATM withdrawals. When I went into the branch, they looked at my account and proudly exclaimed that I had made ten $20 ATM withdrawals over the period of 3 or 4 days. I said that there was no way that I did that. And no way that anyone else did either, since there was only ONE card and I never let it out of my possession. Then they told me that I “must have forgotten to write them down in my checkbook”. :rolleyes: I told them that there was no way I could have “forgotten” to write that many ATM withdrawals down. Maybe one, but not TEN. So what the dweeb behind the counter suggested next blew me away. She said “When you get your next statement bring it in and we’ll go over it with you”. I looked at her and said “Lady, if it shows I made TEN $20 ATM withdrawals on your computer screen, it will say the same thing on my statement unless you FIX the problem before the statement prints”. She just looked at me with a blank look that would win a prize. I just said, "close my account, I’m through with your bank. I can no longer afford your brand of ‘service’. " I never went back.

I’m now with a credit union and have never had a problem in almost two years.

8

Well, my rant will be a Wells Fargo/Microsoft considering Microsoft fucked up, causing wells fargo to fuck up, causing me to overdraft twice.
I called to cancel my Xbox live, Microsoft doesn’t cancel it, so they take out 54 of my 60 dollars in the bank. So, they next day, I check online to see how much money I have, I had 60 dollars, I check all things pending and everything. Nothing is up online. So I take my GF out to eat, then stop at the store to pick up a couple things for my mom. I use about 35 dollars. So the next day, I check my acount online, and it is -$75!!! So a go into Wells Fargo, and argue that since their online statement fucked up, I wasn’t going to pay for the overdraft fees. Well, the personal banker I had was a complete and utter fucktard. When I asked to speak to his manager, he refused. So I said, let me talk to someone higher up than you. He replied,“Well, sir, I am a personal banker, there really isn’t anyone higher than me.” He said he wouldn’t credit the overdrafts, because their is no way the online could have been delayed. I told him to ask anyone that runs a website if there was a chance that it could be delayed. So I was getting pretty pissed, and he went back and talked to a manager, they decided to take off one of the overdrafts. Over an hour talking to one of the dumbest people I had ever met convinced me never to use Wells Fargo again. They eventually ended up canceling my account because I wouldn’t pay the $25 they claimed I owed them.
Microsoft was even worse, I argued for 2 hours on multiple occasions. The last two ended with me cussing out the Xbox live sales manager. It seems likeXbox live customer support no longer answers my calls… I called 3 times each from my house and my cell phone, it seems like they just blocked my number, if that is even possible. Needless to say, I will never use Wells Fargo, nor pay any money for anything that has to do with microsoft again. The next time I build a computer, it is going to have Linux instead of windows.
Sorry for the semi-hijack.

9

It seems we can all agree that Wells Fargo blows dogs for quarters.
I only recently (this summer) went back with Wells Fargo again, out of necessity. I needed the funds from my paycheck, and my regular bank was closed, WF was the only one open in town. I had been considering switching anyway, because I was moving to Monterey and there was no branch of my “1st Bumfuck Nat’l Bank” there. I hate banking by mail, so I figured now was as good a time as any.

I had been with WF before, but was driven away by their bad customer service. First: some background. My original savings account was opened by my mother when I was born, and she was a trustee on the account. This never caused any problems. None whatsoever. Until one day when I was 19 or 20, I went in to deposit my paycheck. The teller was not the most intelligent person on Earth. I’m surpised she was able to tie her own shoes in the morning.

teller:“I’m sorry, we can’t deposit this.”

me: “What? Why not?”

“Because there is a trustee on the account.”

“So?”

“That means we can’t do anything without permission.”

“I’ve had jobs for the last 5 or 6 years. I have brought every single paycheck here in the past and this has never been an issue. I’ve also made withdrawls. I was just here 2 weeks ago with my last paycheck.”

“Well, I’m sorry, but I can’t do anything.”

I resisted the urge to comment on the number of branches on her family tree and question her hygenic habits, as well as the wisdom of her parents in conceiving a child, and left.

They had also been giving my mother some random shit recently about depositing and cashing her paychecks because she only had a checking account and not a savings account.

So she went in intending to close the accounts after this final straw, and encountered yet more stupidity:

They claimed they could not close accounts. Yes, the bank itself could not shut down accounts. So she withdrew all the money from our accounts and we went over the the 1st Bumfuck Nat’l Bank and opened new ones. They even gave her shit about withdrawing all the money:

“If you take out all of the money, you’ll be below the minimum balance and the account will be closed”

:dubious:

My mom: “Not that I care anyway since I’m going to anotherbank, but I’m not concerned about that, because you just told me 5 minutes ago that you couldn’t close accounts.”

Gawd, I hate WF…

10

Strange.

I’ve been with Wells Fargo for years and never had a bit of trouble with them.

11

I had a mortgage with Wells Fargo for about a year. They were terrible, so when I sold that house and bought a new one I “went in another direction.” I got no end of shit from Wells Fargo. Two different people called me to try to talk me out of re-financing, one told me that I was going to incur large penalties for re-financing. Apparently none had gotten the memo that I was selling the house. In each instance, when I told them that they’d pull their best Emily Latella “never mind” and hung up. Then another person told me I could go ahead and keep using my home equity credit card after the house was sold and the mortgage retired (even I knew better than that).

I now stick to local banks. In general it’s probably best to go with Credit Unions. Unfortunately, the credit union I am eligible for is no doubt the worst CU on the face of the earth. They screwed up tons of stuff and tried to work some sort of car scam on me before I got rid of them.

12

I had the same thing happen at the former Barnett Bank. After I took out all the money, they charged me the monthly service fee. Then a bounce charge for not having enough to cover it. Then another bounce charge for not having enough to cover the first one. It ended up at around $175. I refused to pay it and it’s still on my credit record.

13

Did you try disputing the charge with the credit bureau?

In related news, my cash is still not in my account.
If it is not there by the close of business tomorrow, I am walking down to the Safeway and kicking six different kinds of ass.

14

Wells Fargo bought out National Bank of Alaska and with it got all the accounts, including mine. I went with the flow for a while until I went in for a personal loan of five grand. Wells Fargo turned me down. On that Monday I closed my checking & savings and took my money out and went down the street. Opened bank accounts there and applied for a loan. By Friday I had the five grand cash in my hand and never looked back to Wells Fargo.

They don’t advertise in Alaska that Wells Fargo supports gun control. If they did, half or more of their customers would get rid of their Wells Fargo accounts.

15

What about that guy on the stagecoach with the shotgun?

16

My husband and I had a similar experience. It happened to us in the middle of a move from Texas to Washington - they delayed the deposit so long that we were in Vancouver, WA before we could get the money to the apartment complex we were moving into.

Since then we have called them Fells Wargo - it makes us feel a little better (that and they kept misspelling my husbands name; so we figured we’d return the favor). :slight_smile:

17

So has it posted yet? At my bank, it wouldn’t have shown up until today, because yesterday was a holiday.

18

Nope.

19

Finally had my cash deposit credited today.

The fuckers. They even dated it as yesterday, even though I checked the site frequently, up to the point I went to sleep at 2am, and it hadn’t shown up.

Liars.

20

Same here, other than a few bumps in the road that can be expected from any bank or service industry.

Seems to me that most of the complaints here about Wells Fargo are more about their shitty service rather than the bank itself.

For what it’s worth, to the OP: If you deposit money on Saturday and write a check on Sunday, which is cashed on Monday, WF has always been good about honoring everything according to when the transaction was done, not the order they go through. Meaning, even if the deposit weren’t credited yet, they’d honor the check and not penalize you.

That’s been my experience with them anyway, and I’ve been with them for almost 10 years.