I reported fraud to Wells Fargo, where $1,000.00 was wrongly taken out of my account, and they took their weeks to "look into" it, twice, and denied my claim both times. I informed them of the problem within about an hour, and they took weeks to do nothing, and then weeks again to do nothing again. Wells Fargo is not worth the time of day for anyone. Do not use them under any circumstances (or their ATMs), and if you have an account with them I suggest you carefully open another account at a reputable firm and get rid of your account with them when you can. I know it's a pain but I should have done this years ago when my account with Wachovia become a Wells Fargo account because Wells Fargo bought them out. Not only did Wells Fargo get rid of my free checking, they then had all of those issues and got in trouble for creating a lot of fake accounts under customers' names, and they haven't learned their lesson. My story is long but simple. Someone took $1,000 out of my account at an ATM without my permission, they stole my money, and Wells Fargo, with their billions, is doing nothing. Steer clear. Here's my story:

Someone stole the money, and then I reported the fraud to Wells Fargo:

I'd like to report fraud that happened to me at an ATM outside my local bank. The bank where this occurred is: Wells Fargo Bank 2099 S Queen St York, PA ******* Here's what happened: This was theft of $1,000 at a Wells Fargo Bank ATM. There was a large group of people at the bank. I tried to deposit using my tap debit card at the ATM that was outside the bank on 11/23/2024 at 10:17 am. The ATM was full or something so I couldn't deposit a check like I wanted to. I left the ATM, I think without waiting for my account to close out. At this point I went into the bank to deposit. Someone, not an employee, was watching me and there were lots of people in there. I made my deposit at the counter. When I was in there, I believe someone jumped up to the ATM which was outside and took $1,000 out of my account, because $1,000 was taken out of my account at 10:17 am based on an email I received from the bank but I didn't notice that I received it for about 20-30 minutes. I called Wells Fargo two times about the fraud but they've said they are dropping the case both times, with no logical reason. I did the first fraud complaint within about an hour of this happening. Here's what they should do: Wells Fargo should give the $1,000.00 back to me, since they have zero fraud liability policies. They should also look at the video of the ATM to find out who did this and report it to police so they can catch the criminals.

After this first set of two denials I disputed it with Wells Fargo and also reported it to the police, which I thought Wells Fargo would have done. Weeks later and they denied me again through their "Executive Office". Wells Fargo is worthless. Here is my response to them in response to their denial:

The response to my complaint is completely inadequate. Multiple times I explained how everything they said could be true, and still $1,000.00 could have been taken out of my account fraudulently. Yes, my account may have been unlocked, but just because a door is unlocked at my house by accident, it doesn't mean that someone coming into my house and taking $1,000.00 out of my kitchen drawer after they simply say, "This is my house and my money", is actually not fraud and theft. Wells Fargo needs to make good on their zero fraud liability and they also need to give me $1,000.00 back that was taken from me, and they need to admit their mistake and fix their ATM system that gives no indication of whether an account is still opened or closed when I am finished using it, particularly when using the "tap" feature. At least when I stick my card in they warn me with a beep to take my card. No such thing exists with the "tap" feature, and I explained this to them but they didn't seem to think it had any relevance. Their lack of understanding and their ineptitude lead me to recommend that no one give Wells Fargo any of their business. I have opened a new account somewhere else. Sadly Wachovia was ok, where I originally got my account, but when Wells Fargo took over they got rid of my free checking quickly, with stipulations for it to be free. I should have taken that as my queue there and then to leave Wells Fargo, but sadly, I didn't. Wells Fargo is not customer focused, they are only self and profit focused. Avoid them at all costs. I even asked someone lower down if it is common for escalated cases like mine to be resolved... and someone at Wells Fargo said, no, usually they are still denied when escalated like mine! So why even leave me hanging? Just close the case and lose your customer faster. Save us both time, money, and effort. Save the penny today, Wells Fargo, and go out of business tomorrow. That's what Wells Fargo deserves.

I was on my first cross country trip traveling alone and i have all my credit and debit cards in my phone wallet and only carrying a wells fargo debit card with me. When i found a small county store at night around 11:30 PM to get gas, the store accepts physical credit/debit cards and doesn't accept Apple Pay. So i used zelle to transfer money from my pay account (Capital One) to the wells fargo account and it took nearly 4hrs and 12 minutes to receive, got the funds at 3:42 AM (Got the text message and WF notification).

First i thought it was other bank problem and called my wife to make a Zelle transfer she tried from her chase account to transfer to my WF account nothing received and the status showing as funded for her.
Also i tried transferring a $1 to my wife's chase account from both of my Wells Fargo and capital one account, the capital one transaction went through in minutes and from WF doesn't.

In the Meanwhile called to WF customer service to sort out and nothing happened with them.

The nearest gas station is about 19 Miles and my lodging is 12 Miles from the store. I called to check them wether they opened or not but none of them answered the call and DTE is around 36 Miles left and i risked, and started driving to the store they're about to close and got in time and filled up.

This is not the first bad experience, it happened 3-4 times with wells fargo zelle transactions. This is the first bank account i have opened in USA so as a sentiment i still using the WF account.

Lesson Learnt: Never Trust Banking Transactions, Don't wait until the gas is empty Fill up the gas wherever the gas station is available and also need to have cash in hand always…

I have 2 younger sisters, age 57 and 67, while I am 77. My oldest sister is in hospice and is not expected to live for more than a few months. She is mentally competent but can't get out of bed. She has always cared for her younger sister, who is mentally severely disabled and in Conservatorship, and now is in a board and care as she has Alzheimers and requires 24/7 care. I have been added to the conservatorship as co-Conservator so that I can take over caring for my yougest sister, paying her rent, etc.
My wife and I went to our local Wells Fargo branch, where we have been customers for about 50 years, and they have been incredibly unhelpful and incompetent in getting me added to both sisters accounts. They said I needed a POA (a Durable Power of Attorney)to do this, even though for the younger one my documentation as Conservator makes a POA redundant and unnecessary, as my oldest sister and I are the only ones who could sign a POA, given that my youngest sister is unable to read or write, or comprehend what is going on.
So we went ahead and had the 2 POA documents drawn up and brought them to Wells Fargo. The banker there submitted the documents to their compliance people who declared that there were 2 problems. One was that the younger sister needed to sign the POA, despite that being impossible and unneccessary. As Conservator I or my oldest sister would sign any and all documents for her. Second, they said that because the older sister's accounts were in her Trust (and I am the successor Trustee of that)she needed to sign as Trustee, which actually made sense, and so we redid her POA and she signed it as Trustee. We also referenced in her revised POA document the specific Wells savings and checking accounts by account number and name, and enumerated the powers the POA would confer to me to do essentially anything with the accounts.I also did a POA for my younger sister and both my older sister and I signed it as Co-Conservators.
The senior Wells branch banker thought this was more than adequate, but when he faxed the documents to the compliance people they said no go, but would not explain why. They said they would contact the banker and us within 2 business days to let us know what the issues were. By this point we had been at the bank for over 4 hours over 2 days, The branch banker was clearly distressed and tried mightily to get the compliance people to accept the paperwork as is, but they refused, and did not appear to really understand the legal issues at all. They also refused to allow him to talk directly to the legal department. He was very upset and apologetic to us.
It was more than 10 days before we heard back. The "explanation" was that the papers were "unacceptable", but no reason was given and no guidance as to how to make them acceptable.My older sister is asking her attorney what we can do about all this, but we are very unhappy with how the bank is handling this matter.
In the meanwhile my wife and I, totally disgusted, are moving our personal accounts to another bank. The main reason we don't do that with the sisters accounts is due to Social Security doing direct pay into both of their bank accounts, so changing banks could get quite messy and take a long time.But neither we or anyone we know will do business with Wells Fargo in the future if we can avoid it.

My card was cloned. I called the bank and filed a complaint. Even got a police report.
Called 8 days later and was told(rudely) that my chipped card was used along with my pin.
I told them I don't know how that happened seeing how I was at work and had my card on me.
She then told me to get a police report and email them the number.
I did that an 2 min later I got an email telling me I needed to call.
So I did. I got lance and he wasn't listening to me so I asked for a supervisor he refused to put one one stating that there wasn't one available. That he could get a associate manager.
I told him I wanted a supervisor.
After arguing for about 20min and him laughing at me he put me on hold to get a supervisor,I told him it doesn't take more than 5 min to get a supervisor.
He came back on exactly 5 min later stating it's been 5 min and I found a supervisor at which time he put me back on hold for 5 more minutes.
This lady got in the phone and stated she was an associate manager.
I asked was she a supervisor,that I wanted to talk to a supervisor?
She said she is an associate manager and she could help me, that the supervisor was coaching another teammate.
I asked her was coaching another teammate more important than helping an upset customer?
She said no but still wouldn't put a supervisor on the phone.
We went round and round about this.
I asked her what investigation was done.she stated that my chipped card was used and pin was used and that is what they based there investigation on.
I asked her if they looked at video, contacted Walmart, checked with my job?
She said that is all she can tell me
I asked her more than once to take the police report number at first she refused.
Finally she said she took it(I don't believe her).
At no time did I cuss at her but she stated she was going to end the call if I wasn't going to be professional.
I told her I am being professional that I am frustrated with being called a thief and liar.
I kept asking for a supervisor and she kept refusing.
Stating she was the highest person I could talk to.
I asked her a yes or no question if she had a boss some one she reported too?
Again she said she was the highest person I could talk too.

In the long run I am out of $101 and $47 for overdraft for a total of $148.
Because I don't matter to them.
Bet if I was white and rich they would have returned their money no questions asked.

Looks like I need to find a bank that cares about their customers.
Because Wells Fargo sure doesn't.

P.S.
I told her my card was cloned. She said you can't clone chipped card.
True you can't clon the chip but you can get the information off the strip when it is cloned which gives the fraudster all the information on the card.
She had nothing to say.

It seems that more than 100,000 customers rated Wells Fargo online 1.3 stars and Wells Fargo Got an (F) at Better business Bureau by more Than 7000 customers in the last 3 years.
Why that many customers are complaining about Wells Fargo in the last 3 years?
It is because Wells Fargo had a new CEO 3 years ago and Wells Fargo contracted the customer service to a company called ENTERPRISE COMPLAINTS MANAGEMENT (ECMO) who are providing poor customer service. If Wells Fargo had a NORMAL customer service as use to be until 3 years ago then we would not see all the customers complaining on website reviews online. The current Wells Fargo management don't seem to care anymore about Wells Fargo going down specially after Wells Fargo has been ordered by The U.S. Consumer Financial Protection Bureau to pay $3.7 Billion in penalties for alleged illegal practices.But Wells Fargo did not seem to learn their lesson yet. And still doing business as usual and even worse than usual. And most Wells Fargo customers are labeling Wells Fargo as liars after dealing with the customer service ECMO.
Here is my complaint about the so called ECMO
I would like to give you my opinion about the so called ECMO after 2+ years of experience in contacting with Wells Fargo Customer service about the same issue that never been resolved yet. This complaint is about THE WELLS FARGO CUSTOMER SERVICE. I was told in writing buy Wells Fargo So called ECMO (EXECUTIVE COMPLAINT MANAGEMENT OFFICE) that Wells Fargo has no email or website for online complaints and has no managers or supervisors. Customers like me find no REAL Wells Fargo site to complain but here. So here we are. Wells Fargo has no real customer service like before anymore, Wells Fargo seems to have a contract with a company called ECMO. (EXECUTIVE COMPLAINT MANAGEMENT OFFICE) which IS NOT Wells Fargo Bank, to answer the complaints of the customers. The employees of this company ENTERPRISE COMPLAINTS MANAGEMENT OFFICE are called ECMOs. They are working from the comfort of their homes without any supervision or management of Wells Fargo and their computers are unsecured by Wells Fargo which make it UNSAFE for the customer's information, anyone who has access to their homes will have access to their computers and then will have access to the customers accounts. Those ECMOs do not seems to be able to investigate the complaints and not able to provide resolutions, all they can do is to copy and paste standard answers and deliver it to the customers with an apology that is not worse the paper that they print on it. Those ECMOs makes it more interesting when they send you an answer for someone else's complaint or when they sound drunk or sleepy in their answers. And I do not think a professional people are answering the complaints, The responses to the complaints seem to have been answered by their family or friends or anyone else but not by professional bankers. DOES ANY ONE TRUST THAT HIS BANK ACCOUNTS TO BE SCATTERED IN THE EMPLOYEE'S RESIDENTS ALL OVER THE WORLD? What do you expect from this bank who does not even have an email address for their customer service in this 21st Century! Bottom line, It seems that Wells Fargo DOES NOT have customer service department, they have a sub-contractor, it seems Wells Fargo is going down soon, and the Wells Fargo management knows it, this is why they are not putting any effort in managing Wells Fargo, they are letting it go bankrupt.

I call them Hells Fargo
I call them Hells Fargo! We had Hurricane damage from Hurricane Ian and received a settlement w/ the insurance company thru an attorney of $57,000. Of that money $32,500 went to us to fix our roof and rest of the home. The rest went to the tarp company and the attorney. Wells Fargo told us if we were spending under $40,000 to fix our home then we would get the checks signed off and given back to us. We gave them the closing statement and the settlement agreement. After $46,000 was signed off by wells fargo of which $26,000 was going to the attorney and Tarp companies, wells fargo said they would have to hold the last $12,500 check until the house was inspected. We were leary about sending the check to the south carolina location so we consulted with the local office and the branch manager there said we could hold onto the check, and have the inspection then bring to the branch office for endorcement. Then when the inspection takes place as long as 75% of repairs are done wells fargo should endorse it. So we had to pay for our roof on the credit card (paying a 3% fee for the amount we did not have because wells fargo would not endorse the check of $12,500) and had made wells fargo aware because we were only working with $20,000 left after we paid out the attorney and the tarp vendor. Wells Fargo even had the audacity to ask how are we going to fund the project since they are not releasing the final funds to us. We had begged them to release the money but they said they consulted with the "investor" Fannie May and it was Fannie May who would not agree. I called Fannie May and Fannie May said they don't make individual calls like this. So it seems Wells Fargo is misleading people. So last Monday, June 12, we had an inspection and the inspector said we are 100% complete in our repairs. She sent a receipt on June 13 showing she uploaded the report saying it was sent to wells fargo around 5am. The online system continues to show we are still pending to have an inspection as of yesterday June 16. I called wells fargo today and was on hold for 10 minutes and then got hung up on. I called back and spoke to a Rhiannan. I asked the status of our check since our inspection was completed 6 days ago and why was this not updated at the insuranceclaimcheck.com website where people can check the status. I told her I was going to report this to CFPB. She put me on hold for 10 more minutes and refused to let us know if our inspection has been processed by wells fargo and if we can take the check our local bank to get endorsed so we can pay for our roof on the credit card. She said we have to call back monday to speak to the executive department and we will be assigned a case manager. This process takes up to 10 business days which means we may not get our answer for 10 more days or our check endorsed for 10 more days. I believe Wells Fargo engages in stall tactics and deceptive practices to try to keep the insurance claim the money in the escrow account from customers who have had hurricane damage. Hence I am reporting this as we are suffering distress enough from the hurricane and months of enduring tarps on our home and haggling with the insurance company and now haggling with the mortgage company causing us more severe distress. We pay them on time every month. I was told several months ago by a supervisor at Wells Fargo that if we submitted the closing statement from our Attorney showing the breakdown of attorney fees and what we are getting to fix our home, $******* we should have no problem but that was not the case. Even with the inspection that was done and the inspector saying we did 100% repairs we are being stalled to get our last settlement payment freed up by this bank. I know Wells Fargo was recently in the news for bad practices regarding illegally repossessing automobiles hence I feel I need to report this to the CFPB for investigation. They also were reported for a prior hurricane for not releasing escrow funds to customers we recall reading. I wonder if they are trying to repossess homes in some sort of scheme here?

Wells Fargo doesn't care!
My wife and I are entrepreneurs. We have wanted to go on a cruise for many years but due to the pandemic and challenges with the economy we have had to postpone this dream until recently. We saved our money for 7 years and finally, December '22, we got our wish.
On 12/23/22 I deposited a check for $8500 in my personal WELLS FARGO acct. – this was written from a BANK OF AMERICA ACCOUNT, from a business that I OWN. The check was signed by me. There was plenty of money in that account to cover that check. I am a WELLS FARGO customer since 2004! This money was for the purpose of covering the cost of our cruise. I have signed dozens of checks from my B/A account to WELLS FARGO acct over many years, never an issue.
We left on our dream cruise on 12/29/22. After almost thirty hours of flying to our destination I was notified via email, from WELLS FARGO, that my check was returned and the funds were withdrawn from my WELLS FARGO acct. And returned to my B/A acct! The reason was "irregular signature".
I am now on my dream cruise and notified that the money that took us 7 years to save was now NOT AVAILABLE. Please keep in mind that I was in Europe. I had little or no internet access and was working with a 7-9 hour time difference. Add to that, we were in the middle of the New Years holiday making it very hard to reach people. We were so stressed. How are we going to get access to our money? Time zones and holidays made this so frustrating trying to reach people and due to the limited internet access trying to move money around was impossible. We were distraught.
I called Wells Fargo and reached the first person who could not have cared any less. No compassion, no sympathy. I was told the following:
• my signature was "irregular", therefore the money was returned.
• I explained that I was the authorized signer and was ready to offer any security measures required of me. I was told "we understand and apologize but there is nothing they can do".
• I begged them to verify the check to ensure there were funds in the account. I was told, that was not the issue.
• I asked them to look at ANY of my previously written checks and they will see that my signature was the same…for years! She couldn't care any less.
• I asked for a supervisor and after multiple requests, she begrudgingly agreed. After waiting at least five minutes, expecting my connection to drop at any moment, a supervisor responded. I explained again that I was in dire straights and need them to put the money back in my account. Again, I was received a bunch of disingenuous apologies but there was nothing they could do. They promised me that I would hear from a supervisor within hours….today is 1/9, TEN days later….NO CONTACT FROM WELLS FARGO.

The facts:
• The check was written from an established BANK OF AMERICA account with more than enough funds to cover the amount.
• My signature was no different that dozens of checks written by me. This was easily verified by a simple review of my previous check images, readily available from my account.
• I contacted Wells Fargo on 12/29/22. Offered them every conceivable form of security to verify authenticity of the check they were denying. They denied me and promised a supervisor would call withing 48 hours – ten days later, no contact.
• I was charged a $12 fee for the retuned check!

It is clear to me that Wells Fargo could not care any less about their clients. My cruise was saved only by contacting a friend, who was in my home town, who covered the amount until my return. The damage was done. I lost three days of my dream cruise because WELLS FARGO doesn't care. The stress was awful.

I implore anyone searching for a new bank….Do the research. You will see that my situation is common for this uncaring financial institution. They are terrible people who disguise their selfish motives under the guise of "My security"!? My situation was easily rectifiable by a simple security check or reviewing my previous signatures.
Shame on you Wells Fargo. You could not care any less….or maybe you could.
Keith Kramer

I went to Wells Fargo bank in Florida at 1700 west commercial Blvd fort Lauderdale, around 3:15 pm 1/6/2023; the teller who waited on me made a huge deal over nothing, ( I wish I had gotten her name) if you work in a bank it should be the norm for you to see that there WAS"an alert on someone's account but it has been cleared already, I use my online banking app relentlessly and I have proof the alert was cleared before I went to this teller's line I didn't get her name but I needed to withdraw 1,400 for a deposit on an apartment I'm new in Florida and I had to be to the apartment office before 4:30p I didn't make it because she took about 30 minutes looking at her screen, I told her I was aware of the alert wellsfargo text me the day before and I cleared it by typing Y on my cell phone assuring them it was me paying for a hotel room, I tried showing her the text, I logged into my online banking and tried showing her my balance and that I am the owner of this account I read her my balance to the exact cent and, told her all my recent transactions, but she still stayed on that phone with customer service for at least 20 minutes not telling them I already verified my identity with my debit card, pin and driver's license but it wasn't enough for her, I finally went into one of the offices and asked for assistance, the lady in the office went to speak to her and finally after at least an 1/2 hour she finally hung up the phone and decided to give me my own cash, I believe she was pretending she was sitting on the phone with customer service because she was bent on making it look like something fraudulent was going on even after she had all the identification she needed she definitely over did it, wellsfargo customer service never kept me on the phone that long for verification so I have no idea why it took her that long, of course I have no proof but I believe customer service hung up with her long ago and she was still pretending to talk to them. Meanwhile the rent office closed because this lady decided to hold my money hostage, I am thinking of switching banks

So is everyone ready for the latest round of BS from Wells Fargo? I originally filed a complaint for fraudulent activity in April 2021 Wells Fargo originally denied that claim and of course I appealed it at which point I got into contact with the merchant themselves. Upon getting into contact with the merchant they verified that yes there was in fact fraudulent activity on my account and confirmed this with their upper management. To my knowledge not only my account was compromised but there were other accounts that were compromised on the merchant site as well. I've been forwarded all of the correspondence between myself and the merchant to Wells Fargo to confirm that yes there was in fact fraudulent activity on my account. Wells Fargo finally responded at the end of August 2021 by crediting A partial amount of my claim to my account. Now the reason why it was only a partial amount was due to the fact that my claim itself had ran outside of the 60 day timeframe and which Wells Fargo was apparently able to do anything sufficient meaning get all my money back. I I asked Wells Fargo directly if they contacted the merchant in the initial investigation when my claim was filed in April 2021 and which they responded we cannot disclose the investigation steps that Wells Fargo took because they are internal. I have been fighting with them for a total of 19 months now disputing the fact that Wells Fargo did not properly investigate this matter from the very beginning. If they had in fact done so then they would've spoken to the merchant themselves and I would not have needed to do it. Over the past 19 months of fighting this issue with Wells Fargo I have been passed around to over 40 different employees whom have lied, provided false information on steps that were being taken in order to get this issue resolved and overall deceived me. I have filed numerous complaints with a CFPB regarding This issue. I do not understand how the CFPB is not taking the initiative to further investigate this matter. Wells Fargo simply has the ability to respond to the complaint and then it is closed. I do not understand this. It is to the point now to where Wells Fargo has my back pushed against the wall so In A further attempt to get this issue resolved I called Wells Fargo today to file a fraudulent claim against Wells Fargo themselves for not taking a proper course of action when investigating my claim from the very beginning. They neglected to take the appropriate steps to get the issue resolved within the timeframe allotted. I explain to the representative or should I say the third representative that I was transferred to who supposedly was in the resolution department that Wells Fargo has lied and provided false information on numerous occasions in the past 19 months while I have been dealing with this. I also explain to him that Wells Fargo neglected again to properly investigate the claim when it was initially filed in April 2021. I asked him if Wells Fargo did in fact contact the merchant when the claim was initially filed and he refused to answer me. He stated that Wells Fargo did properly investigate the matter however he could not confirm or deny that they did speak to the merchant in this so-called "proper investigation ". He then went on to explain that he could not provide the details of Wells Fargo's investigation to me even though it was my account we were speaking about. I've then asked him if that was the reason that Wells Fargo took so long on the claim so they would only have to pay out a partial amount and then pocket the rest of it. He refused to answer that question. He refused to answer that question. It really explains how Wells Fargo's revenue in 2021 with $77 billion. This again is just Wells Fargo avoiding to take responsibility for a mistake that they made. I have posted the story on numerous social media outlets and hoping to get some kind of results from it. I know for a fact that I am not the only customer that Wells Fargo has screwed over with their lack of customer service and empathy regarding customers money being stolen due to fraudulent activity. Wells Fargo is screwing customers over on a daily basis and nothing is being done about it. They are not being held accountable for the mistakes that their employees make that affect customers who some barely have anything at all. They don't care it is very obvious they don't care by their actions throughout this entire 19 months that I have been dealing with them. It is really sad when you think about it because I have been a customer of Wells Fargo for 19 years. I can promise you that they are not only going to lose my business but I will share my story with anyone and everyone that I can so that they are aware of how Wells Fargo actually does business.

My name is Dr Babak Etemad, Wells fargo transferd *******K over many years to others with no athurazation and give me only 58k bank since 60 days has passed,,, they are thifes