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Wells Fargo- FUCK YOU
16 years ago
If you need me, my contact info is on my profile info.
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Fursuit Information Journal: http://www.furaffinity.net/journal/514068/
-How To's
-Personal Site
-Material Listing
-Fursuit builders who will take commissions
Suggest a creature for a fursuit- http://www.furaffinity.net/journal/632858/
Kitt Creations is open for commissions. Visit our LJ community for commission updates
For anyone doing banking with them- I advise you to stop and find a new bank.
The problem:
First, back in February, we started having problems with my credit card being 'over the limit' and my bank account not showing it's true balance. I have a thousand dollar credit limit on the card and each time it went 'over the limit' my balance was $800 or less.
My Savings account had $300 sitting in it. When I used up the rest of the almost $400 in my checking on bills, I turned to my savings to take out that money. When I went to do that, the money was gone (only about a week after I put it there). I added up all receipts and I spent about $350 total, so there should be money left in the savings right? Wrong. I asked them 'wtf' and they came back with "Legally we don't have to tell you where the money goes, but they are legit charges. Most are hidden fees that corporate charges."
Hidden fees? Legally don't have to tell me where my money goes? What?! Since when was it OK for a bank to take a person's money and not have to tell them what the fuck it's being used for?! I THOUGHT WE HAD PROTECTION AGAINST THAT SINCE THE GREAT DEPRESSION!!!!!!!!!!
Next I asked them to close my checking. I had to pay them about another $300 for a 'closing fee' and of course more 'charges that didn't show up before'.
Today I got a notice from my mother saying my card was charged on April 17th for an over the limit fee. At that time I had an outstanding balance of ONLY $650 with a limit of $1k....... how could I have gone over the limit when I wasn't using it?!
I used it again starting Sunday because I was having problems with my Discover Rewards Card. Since then I've only used $200 on it INCLUDING yesterday's medical bill for my husband. Spent on food, dog food, and of course his medical bill.
The charges totaled only $888.11 and again the credit limit is $1k. I called up customer service and they told me that my balance was $1,200 .......... It didn't say that when I called the number on the back of the card to obtain a balance, nor did it say that on the online banking. I checked ALL pending charges and the ONLY pending charge was yesterday's medical fees.
I finally said ok you know what fuck it, and closed the account. I have lost god only knows how much money to them and I actually had to pay them $100 to CLOSE the credit card.
Next one to close is the Discover Rewards. It's supposed to be like a regular card, but apperantly there's a spending limit so you can only use it X many times a day X many times a week X many times a month X many times a year. This wasn't in the contract I signed that they'd do that, they also gave me a high interest rate of over 20% and a credit limit of only $300 (when I had a 9% interest rate with Wells Fargo Visa and a thousand dollar limit).
The hell with credit cards I swear. They're good for nothing right now. I'll just set up a checking account at my new bank and get a debit card for it and maybe get a credit card from them. HSBC and Wells Fargo aren't worth a damn.
I suggest anyone with HSBC or Wells Fargo to transfer out. They're full of shit.
I'm tired of losing money to a bank for charges that aren't even my own.
The problem:
First, back in February, we started having problems with my credit card being 'over the limit' and my bank account not showing it's true balance. I have a thousand dollar credit limit on the card and each time it went 'over the limit' my balance was $800 or less.
My Savings account had $300 sitting in it. When I used up the rest of the almost $400 in my checking on bills, I turned to my savings to take out that money. When I went to do that, the money was gone (only about a week after I put it there). I added up all receipts and I spent about $350 total, so there should be money left in the savings right? Wrong. I asked them 'wtf' and they came back with "Legally we don't have to tell you where the money goes, but they are legit charges. Most are hidden fees that corporate charges."
Hidden fees? Legally don't have to tell me where my money goes? What?! Since when was it OK for a bank to take a person's money and not have to tell them what the fuck it's being used for?! I THOUGHT WE HAD PROTECTION AGAINST THAT SINCE THE GREAT DEPRESSION!!!!!!!!!!
Next I asked them to close my checking. I had to pay them about another $300 for a 'closing fee' and of course more 'charges that didn't show up before'.
Today I got a notice from my mother saying my card was charged on April 17th for an over the limit fee. At that time I had an outstanding balance of ONLY $650 with a limit of $1k....... how could I have gone over the limit when I wasn't using it?!
I used it again starting Sunday because I was having problems with my Discover Rewards Card. Since then I've only used $200 on it INCLUDING yesterday's medical bill for my husband. Spent on food, dog food, and of course his medical bill.
The charges totaled only $888.11 and again the credit limit is $1k. I called up customer service and they told me that my balance was $1,200 .......... It didn't say that when I called the number on the back of the card to obtain a balance, nor did it say that on the online banking. I checked ALL pending charges and the ONLY pending charge was yesterday's medical fees.
I finally said ok you know what fuck it, and closed the account. I have lost god only knows how much money to them and I actually had to pay them $100 to CLOSE the credit card.
Next one to close is the Discover Rewards. It's supposed to be like a regular card, but apperantly there's a spending limit so you can only use it X many times a day X many times a week X many times a month X many times a year. This wasn't in the contract I signed that they'd do that, they also gave me a high interest rate of over 20% and a credit limit of only $300 (when I had a 9% interest rate with Wells Fargo Visa and a thousand dollar limit).
The hell with credit cards I swear. They're good for nothing right now. I'll just set up a checking account at my new bank and get a debit card for it and maybe get a credit card from them. HSBC and Wells Fargo aren't worth a damn.
I suggest anyone with HSBC or Wells Fargo to transfer out. They're full of shit.
I'm tired of losing money to a bank for charges that aren't even my own.
-Next I asked them to close my checking. I had to pay them about another $300 for a 'closing fee' and of course more 'charges that didn't show up before'.
That does scare me
Got a proposal for you if you have any buddies that see Willy walking around a lot. I need some good shots of the whole costume and stuff. I never took any (I got a good reason for it, they'll know about that at Xmas)
I belong to a different bank, but mine will do that too; which is why I look at my incoming funds very carefully so as not to be overdrawn.
As for not telling you about the additional charges? Yeah.. I'd say wft too. You're a customer, and they sure as hell should be informing you what those hidden charges are. Some that I've seen (besides a charge for overdrafts on checking) are:
* printing checks
* cashiers or travelers checks
* printing financial records on check and saving activity (Reprints)
* using checks tied to your credit card - I have one account that CONSTANTLY sends these checks with the bill and if I use them, I get an extra charge - so I grind them up.
* Interest on late bills - this can get ya (damn near got me one time).
In the long run you might be better off at a new bank.
My dad had the same problem with them only his continued on for a few years before he noticed.
Never bought checks for the account- that's what the debit card was for.
Other than a monthly statement there was no reason for them to print activity stats.
Bill pay was only used for taking funds from checking account to wire them to the credit card monthly.
I'm in with a local credit union for now. So far so good. Minimum needed to start a savings was $25 and you can have it down to $0 if you want with no fees attached.
Sorry to hear about your issues. Hopefully your next bank won't give you so much trouble
They even sent me a $1.22 check when I closed my account.
Yeah, they didn't account fur the fact that my mother has a $1500 mortgage payment, 2 car payments, and other bills to pay. She was giving them DOUBLE the minimum payment, so its not like she was behind or anything...
They must be going bankrupt do to the falling economy... (Good riddance) and pulling money from every account to keep themselves afloat. So that when they go down, they take a bunch of people with them.
No wonder our fucking national debt meter can't even count because it ran out of digits -_-;
If a country is that far in the hole, there's a problem.
As for banks, there's no reason for them to do that shit.
Never had that problem with a credit union though. Especially very small local ones.
I have never once had any issue with discover.
an when you do call them, you talk with a person who can fix the problem, or change things, without playing phone tag, or having to wait for a supervisor or account mgr. to contact you .
My problem with discover was the whole 'it's a bitch to get the right department' because of their automated computer menu XD other than that it's specifically things with that card- never the people.
Yeah, to hell with credit cards for now. I'm sure banks take advantage of younger ppl anyway. I'm fine with my debit card for now.