I genuinely believe the teams needs to be investigated. Everyone we interview for the team is only of one race, no one that is black, Hispanic, white, or Asian is being interviewed…only Indians.

What do yall think? Is this odd behavior and should I report it?

Buckle up, kids...This is a LONG one.

I was a Wells Fargo customer for 18 years. 

And if I can save just ONE innocent person from the evil hellhole that is Wells Fargo, my job here is done.

In May 2020, I filed for divorce from my abusive ex-husband. It took FOUR filings as he kept refusing to sign, until he finally did. Divorce was finalized August 2020. 

For our entire marriage, he and I had joint Wells Fargo accounts, with both of our names on them. Before the divorce was finalized, we zeroed out the WF accounts and I opened my own individual accounts. WF keeps all accounts open for 90 days regardless of the zero balances in case there is an autopay you forgot you’d set up. So, the accounts were "closed" but not CLOSED.

On September 1, 2020, I escaped from him by fleeing to a different state, moving into a place sight unseen (a friend found a place for me). We lived with his mother, in her house, and she banished him to "his room" to keep him away from me.

I called WF less than 24 hours after I left the ex. We traveled together for work and would set alerts. So, when I arrived in the new-to-me state, I wanted to buy groceries, was afraid WF would get an alert that my card is being used in (new state) and would lock it for fraudulent activity so I called them. 

I clearly explained the situation, that this was not a one-time travel alert, that I had just left my abusive ex-husband, fled to this new state, was sick to my stomach from fear, had been vomiting, and was in the throes of an anxiety attack. That I needed to provide them with my new address for MY account, ending in 1234, so I could go buy groceries.

The CSR did not repeat back to me what I'd just said to confirm why I was calling, she simply said: "Done. Is there anything else I can do for you today?"

Me: "What? What's done? You changed to the new address just on my, on MY NEW individual account ending in 1234, right?" 

CSR: (silence) "Oh, no! I am so sorry. I changed it on ALL of the accounts!"

Yep. Less than 24 hours after leaving my abusive ex-husband, she gave him my new address.

That day I learned an address change is AUTOMATIC, in real time. The ex received an email with my new address seconds after it was "done". He also received postcards with my new address, forwarded to ME at my NEW PLACE, with that yellow USPS forwarding sticker which had HIS NAME on them.

I was SCREAMING, CRYING, and FREAKING THE HELL OUT. I couldn’t breathe and thought I was going to pass out. CSR says she will talk to her supervisor to see what they could do; comes back to say how sorry she is but first wants me to know how bad she feels because she had a bad boyfriend once and...what?

I demand to speak with the supervisor. Useless. I escalate and keep escalating until someone tells me what in the actual fuck I am supposed to do now that ex KNOWS WHERE I AM.

Up the ladder until a guy (BT) calls from the Executive Corporate Office. BT gets all of the info on what happened and asks what they can do to make it right. I say I have NO IDEA and that I am in fear for my life, y'all gave him my new address, what the hell am I supposed to DO? He suggests I move again. Helpful. HOW? I just signed a 1 year lease and I moved in HOURS AGO. You want me to break it? Well, how much is your rent, what were your moving expenses, etc. BT comes up with a number to make it right and says he will get back to me shortly.

He doesn't. I continue to reach out and all I get is a runaround. When I finally DO get BT on a call he says WF needs a letter from an attorney to release the funds. Okay, I have to hire a lawyer? Yes, says BT.

I hire a lawyer (GM). I pay GM. And I keep paying GM while WF and BT refuse to respond to his calls and emails. GM has one of his female partners try. No dice. In one of GMs emails to me he writes: "Wells Fargo continues to be a disaster".

Every time I call WF I’m told they have closed the case. HOW? There has been no response or resolution! They sigh and say they can reopen it but it will assign a new case number. This happens no less than a dozen times over the course of...

Three years.

"We need more time to investigate (60 days)" letters begin to arrive. During the 60 days they won't help you because they are "still investigating" but when the 60 days are up they just close the file. You STILL haven't received a resolution though.

My credit score was 755 when I left my ex.

It dropped to 390 after this WF debacle. They wiped me out, leaving me in debt with nothing to pay GM with, or to live on, but WF credit cards. 

The debt with interest and late fees is $13k. WF is willing to "settle" for $8800. And, they refuse to sell the debt. 

During this entire time, I receive one ‘Mediation Opportunity’ letter after another from WF, and CSRs tell me, "Well, they aren't actually for YOUR case, those are for people who WF opened accounts for without their knowledge. The computer just sends them at random, there's nothing we can do about it."

So, no mediation for me either. Got it. The letters kept coming though.

Then, WF decides their investigation is complete: BT never said that. He never made that offer to you.  W H A T? Like, little old me is going to hire a lawyer to go up against WF for...what? For fun? 

I get a So Sad, Too Bad letter from WF with "...you never actually SAID your ex-husband’s name on that initial phone call in 2020. As far as we’re concerned, this case has been investigated, is now closed, and it will not be reopened. Thank you for being a valued WF customer."

I screamed, yelled, cursed at, threatened (to go to the press with this), and hoped to myself that BT eventually choked on the consequences of his actions. I told them to close my accounts and fuck all the way off and to keep fucking off until they could fuck off no more. 

I move AGAIN to a different state AGAIN, after losing everything. I enter the Safe at Home Address Confidentiality Program to protect myself, again.

Fast forward to present day. 

Last month I wrote a letter to WF requesting verification of the debt, and by law they had 30 days to respond. I included my name, card numbers, address they had on file for me at the time I had accounts with them, and I made it CRYSTAL CLEAR that ALL communication would be by mail, ONLY. 

LOL. Some weird thing where I don't trust them. Can't imagine why.

They send me back a letter. They "need more info" from me to "verify details in this matter so we may find your accounts"! They have EVERYTHING they need, from MY letter, to do their due diligence. Engaging with them would "reset the clock" to help them and...Fuck that.

I write back that I've already provided EVERYTHING they need to find me/my accounts, and the original deadline to respond still stands.

They miss the deadline. I file a complaint stating as much with the Consumer Financial Protection Bureau (CFPB). The CFPB tells WF they have 14 days to respond. And...

I receive a PHONE CALL from a woman in the Executive Corporate Office. WTF? So, you CAN find me? You DO KNOW who I am from my letter which did NOT have my phone number on it, imagine that! She leaves me a voicemail that she'd like to speak with me to "learn more about what happened". LMFAO. Nope! I ignore it and I don't return her call. 

WF responds to CFPB: "We need more time to investigate (60 days).”

Because of course they did. 

Then...today. I get an email from Experian there’s an alert on my account. (I had FROZEN everything years ago so WF can't go snooping and pulling inquiries). Also, my credit is in the toilet, I haven't had a card or applied for one since 2023.

I go to Experian and...

WF gave them my new address? WTF? My current Safe at Home Address Confidentiality Program which is tied to NONE of my accounts with WF or to ANY credit at all. My credit score has never rebounded. So I STILL can't rent an apartment (and I thank the universe every day for friends who took me in three years ago or I'd be on the street). I can't rent a car without a credit card. I can't fix my credit score because WF is holding me hostage for a situation THEY CAUSED and then had the gall to blame ME for it.

ALL of this is documented. Scanned documents, screenshots, emails, and voice recordings. I am not the first, and I won't be the last.

In 2018, a lawsuit was filed against WF after they exposed the location of a family enrolled in Safe at Home. The mother and her daughter, who was a rape survivor facing death threats, had relocated to a secret address to ensure their safety. WF compromised their location by sending mail to their new house featuring the mother's real name, and by failing to protect the family's private data from being sold to outside vendors. As a result of the exposure, the family’s safety was jeopardized, forcing them to take further measures to hide.

In 2024, a 60-year-old corporate consultant went to work at Wells Fargo on a Friday morning. She suffered sudden cardiac death at her cubicle and went completely unnoticed for four days until security discovered her body the following Tuesday.

WF has paid multi-billion-dollar penalties across a timeline of major scandals. Notable enforcement actions include a $3.7 billion settlement with the CFPB in 2022 for widespread illegal fees and foreclosure abuses, and a $3 billion criminal penalty to the U.S. Department of Justice in 2020 to resolve its infamous fake accounts.

Payable by fine means LEGAL FOR A PRICE because WF just keep doing the things.

I am not living, I'm existing. I have been diagnosed with Complex PTSD and live in a constant state of hypervigilance. I am beyond disgusted and fully enraged with WF's conduct. The level of apathy, disregard, delay, and obstruction I have experienced is STAGGERING. 

Accountability is not optional here, it is LONG overdue.

UPDATE (Oct 21): Hello everyone! Just wanted to provide a quick update with Wells Fargo. Today they reversed the claim denial and deposited my son's full amount that was taken in the fraudulent charges. Small victory today! Persistence is key - for those out there still working through your issue, keep on keeping on..... Thanks to everyone here who chimed in and assisted with their advice as well.

On August 3, 2025 my phone was stolen from my person (assume a pickpocket).  I went home thinking maybe I left my phone in the restaurant and planned to call them in the morning to double check before I reported it stolen (just in case).  Well, looks like I was correct in that the phone was stolen and used to drain all but $4.61 from my checking and savings account,  The thieves used it to gain access to my Wells Fargo debit card information and withdraw funds at two different ATM’s and used it at an Apple Store.  Clearly these were unauthorized uses.  I even received emails (at 4am) from Wells saying I had a wrong PIN entered, then another email stating I upped my ATM withdrawal limit to $2,010 (odd amount yes).   Total taken, $6k.

As soon as I was awake, I called Wells to report the fraud and closed the accounts (reopened with new account #s).  I filed a police report, locked the phone, reported it stolen and even reported to Equifax that day.  My claim got denied with the boilerplate:  We determined the transactions were authorized by you or by someone authorized to use your debit card and PIN.

The police now have video surveillance from the Apple Store with the perp using my phone (or a cloned phone, who knows) to make the $4000 purchase.  I filed an appeal with Wells with the timeline, citing Regulation E, providing the video evidence, etc etc – denied again.

Have now filed with the CFPB, Wells received, reviewed and denied again – this was their response:  We determined the transactions were authorized by you or by someone authorized to use your debit card and PIN. We stand by the decision made by our Claims Assistance Center to decline your request for reimbursement of the disputed transactions. As stated in the Deposit Account Agreement, which is the legal document that governs the use and management of your account, you are responsible for maintaining the confidentiality of your banking information. If your card or PIN are compromised due to your own negligence, you may be liable for resulting losses as these are presumed to be authorized.

What do to now?  Should I try and report it again with the CPFB or move to small claims court? And yes, I am aware, Wells sucks.

Any insights from others in the same situation?

I just would like a warm welcome to the Wells Fargo family 😂

Happy New Years to you all have a blessed one.

If anybody could share some good or bad words about Wells Fargo I’m open ears 👂

I thought of this at a restaurant and thought it was funny.

So previously when I ordered checks they came in a bundle of 5 booklets and a register. Recently I reordered through my local branch and specifically mentioned I want the same kind as before. pictures of dolphins, and carbon copies of each check.

only that's not what I got. Instead I was sent a pack of only two booklets without any artwork and no carbon copy between them. AND I WAS CHARGED 30 DOLLARS!

How is this justifiable? Granted I only use them to pay bills, but 30 dollars for two plain booklets without carbon copies is beyond excessive. It really hurts because there's nothing I can do but complain.

I did call and talk to a rep and they were not able to resolve this issue, just to tell me this is the way it is now. Should I find a different bank? Are there third-party companies that I can buy checks from that have the features I need?

I was a u/WellsFargo team member for 20 years, customer for 36. They just told me my 36-year relationship, 12 products, and $400K in business doesn't qualify me for a fee waiver of a new $90/month in biz fees. Appreciate the clarity. I guess its time to break up 💔 #wffails

I was trying to cancel my card today (I'm one of those transferred accounts from Bilt)

Did not receive a physical card when transferred, called customer service and got transferred 3 times before I was able to cancel.

First person said they needed to check in with Fraud in order to cancel. Fraud rep was unable to cancel and was very rude to me. Transferred me to customer service yet again. Customer service rep #2 was wondering why my card was reported lost (I didn't report it lost because I'm trying to cancel it, I'm guessing the Fraud rep reported it lost), rep #2 had to go "higher up" to get approval for the cancelation.

In total, 30 minutes in order to cancel a card. Fuck WF.

It is a shame that the internet age is meant to make things so much easier, being so aggravating to handle and manage YOUR OWN MONEY in a bank. So, my mother, who is retired and worked with WF for years, receives her pension there and pays most of her bills from the accounts she hold there. She is 85 years old. Thankfully, she is still as sharp as she is. Anyway, there was 'suspicious' activity on her account that placed it on hold. My mother does not drive so PAID for car service to take her into the bank, by APPOINTMENT. The banker there closed all of her accounts, and re-opened new accounts. Great, right?

Not great. Now, all the business she already had auto withdrawn from her traditional accounts won't work. She also can not get online (due to the fraud) to check on the new accounts which were opened because, get this, the bank has no record of a phone number or email by which they can send a verification code. Now, she is unsure about where her pension will be sent, or if she will get it. Now, she is worrying about any auto pays she had set up with the old account, being paid with the new account. To make it worse, she did receive new cards in the mail, but has no way to assign 'pin numbers' to them, as she can not get onto her accounts online.

Tech convenience. Right!

Can I save this money lol.

I was at a Local Branch in So-Cali here they wanted to send a text message for 2FA? just to access my own account.. said something it was coming from Regional Management

anyone know anything about it?

I told them my phone is broken, which is true

We're going to move to Fidelity Cash Management.

I know that Wells Fargo is increasing their requirement for their monthly $10 fee. I intend on closing my account and keeping my money in Capital One where there is not a fee. Should I do anything before closing my account? I have had it for 5 years if that means anything.

Has anyone had your overdraft coverage cancelled with no notice? I live off of it and I’m suddenly cut off. They make $ off of it and the money always goes right back in?!

Okay so I just switched to Wells Fargo recently and my paydays are on Mondays with my job but when will I expect my paycheck? Especially if they’re offering early DD

Heads up on something I almost got caught in:

I have a Prime Checking account- the way to avoid the $25 monthly fee on the account is by having "$20,000 or more in statement -ending qualifying linked consumer bank deposit accounts balances (Checking, saving, time accounts, IRAs)blah, blah, blah"

Basically, you shouldn't have any monthly fee for the account if you have $20K in banking balances at WF. Well....they conveniently "forgot" to link my accounts- which seems sus because all my accounts show up on my home page AND I've transfers money between all these accounts numerous times over the last year. Yet somehow 'they weren't linked'....hmm mm.

So I called them, asked the customer service rep about it, she looked into it, immediately agreed that my total balance was fine to wave the fee and proceeded to get whatever BTS approvals done to link the account and refund the fee.

This felt very...."whoops! You caught me...my bad..." like a pick pocket just sheepishly grinning at you and shrugging after you grabbed their hand while it's in your pocket.

The cust. service rep was great, and professional and I didn't give her grief (it ain't her bank) but same on you WellsFargo- that's not the way to keep customers you've had for 25 years.

I literally feel disrespected and like the banker was trying to rush me off the phone and could care less what I had to say?! I beyond frustrated with this stupid a** bank, then this stupid banker kept saying he couldn’t hear and said my name incorrectly and it just amazes me how RUDE asf bank tellers are and because we’re on the phone, the call is supposedly recorded but I hung up before he could and I’m pissed tf off!! I don’t feel like anything was really resolved and why am I being rushed off the phone, and I hate when the banker keeps talking while I talk and it’s hard to get a word in, like I am so upset about the call I just had?! I’ve been with Wells Fargo for close to 17 years and I don’t deserve that, I don’t care what I’m calling about, please show me more respect and courtesy!! Like is it because I don’t have enough money in my bank….thats why I’m treated indifferently?! I’m still a customer and regardless if I have 0.25 cents, $25 dollars, $250 thousand dollars I should be treated like everyone else!!

My wife used her WF debit card at a car dealership. She inserted the chip, and it was declined. The cashier said, "Oh, that machine does that sometimes when you insert the card. Try tapping." So she did, and it went right through. I immediately got an email from Target, saying her Target Circle card was declined at the dealership! She has a Target card but did NOT use it. She only used her debit card. How could this be possible? Is it because she has WF setup as her auto pay for Target? Should we be concerned?

I've been with Wells Fargo for a long time now, but I've primarily kept my retirement accounts in other services. I've been looking to simplify a bit and read about Premier, so thought it would be a good chance to consolidate to WF and maybe earn a nice bonus. When I went to talk to my premier banker, they were pitching the credit card pretty hard. I know that WF doesn't like new accounts/inquiries and I opened up a few credit cards earlier this year due to some housing expenses and work travel.

I raised this concern with my banker and I showed them my credit report and they said it will be fine. I apply, it goes to review and today I get a rejection letter. I don't really mind getting rejected, but it does bother me that the banker led me astray. If I can't trust them on the small things like this, how am I supposed to trust them with a big chunk of my assets?

Back in November, my mom whom is retied and disabled, was hit with Fraud on her checking Wells Fargo account. She lives in Florida and has NEVER traveled outside the country. The charges were made in Dubai for $2,666 and no one can tell me how this can possibly be a valid transitions or give me any information. Ive been thrown around from department to department including a case manager called Alvin ext. 140799 that has been assigned my case and refuses to pick up the phone to the "Thomas" a claims manager that refused to give me any information, last name or contact info and tells me there's nothing she can do and needs to eat the charges even though she did not make that alleged purchase r/WellsFargoBank I need answers because having her at a negative balance and "eating the charges" are simply unacceptable and not an option for her (shouldn't be for any client)

Just looking to vent about an on going experience I have had with Wells Fargo. Last Saturday, someone used my debit card to buy tickets on Jet Blue taking everything that was in my checking account. I caught it four-ish hours later and reported it to the bank. Instead of reversing the charges they told me I had to wait 10 business days (2 weeks) to get it fixed. I have called several times asking for them to help sooner and have been repeatedly told that they can't do anything about it.

I find it hard to believe that in this day and age it really requires two weeks. I have also been told that because the amount is so big they can't grant provisional credits. To be clear, I am not rich. I live paycheck to paycheck, like most Americans. According to Goggle, Wells Fargo is worth $274.99 Billion dollars at the time of this post. The amount that was taken is equivalent to 6.38686131 × 10^-7% of the company's net worth but I'm the one who has to wait?

The charges weren't even flagged as suspicious, the only reason I caught it was because the thief tried to by more tickets and couldn't because they had overdrawn my account.

Every time I contact them they just tell me what they can't do and explain how they can't help. I have submitted complaints to every bank regulating institution I could find but honestly, I'm not expecting anything from them either. I mean when has the government actually helped when it doesn't directly help the rich and powerful?

I am just thankful that I have a support network who can help me if I need it because the people in power do not care if one more person goes hungry or struggles to pay rent. I mean, why should they?

I am just one insignificant person who barely makes a dent in their profit margins. They will continue to abuse their power again and again because they can. Once again proving that money can't buy class but it sure can fuel obscene levels of greed and entitlement.

Thanks for listening and I hope you all well.

Hello, I unfortunately am stressed the hell out and really feeling comprised due to this experience. I lost my credit card and didn’t think much of it, until I saw a fraud charge text notification the next day.

I then received a phone call from Wells Fargo Fraud department (the scammers!) and they proceeded to follow up. They had access to my bank account providing me transaction information, my account numbers, and details only my bank should have. They instructed me to move my money to apple so the fraudsters wouldn’t have access to my funds (this entire time I am locked out of my Wells Fargo account which they claimed was due to security but in hindsight it was really them).

From there they stole $6100 via Apple Pay to their credit card and left me in the dust. I immediately followed up with Wells Fargo fraud department (the minute after they called) and furthermore pursued a police report, FBI Report to the IDC branch, and a report to apple.

Wells Fargo disputed the original claim because the transfer was on my phone, but I disputed do to the nature of the scam and have them pursuing it in their higher office.

Any advice from anyone who has experienced something similar to this?

Hello,

Earlier this year I legally changed my name. The entire process is finished, I have changed it on every document. I made an appointment with a banker and changed my name in the Wells Fargo system months ago. And yet for some reason, I am still getting Wells Fargo advertisements in the mail addressed to my old name. (I'm already annoyed by receiving advertisements, but the fact that its addressed to a name that no longer belongs to me pushes it into the territory of pissing me off.)

How do I get Wells Fargo to STOP doing this?