I opened this type of checking account at Wells Fargo,because they say you have a second chance.I opened it on Saturday.I went on Wed. To cash a check,I was told there is a block on your account,you need to call this number.I called the number,I was told we are going to close your account,your name is on ck systems.I said you knew this when i opened it.She said oh yes,but we open it,and then loss prevention does further investigation.I was so upset and embarrased.What an awful thing to do to anyone.They had not contacted me,If I had not gone into the bank.I was also told,we will mail you your money in 10 days,I replied oh no you want,I want my money today.I was given my money.I advise you,if you are going to this bank,to open any kind of account,make sure loss prevention is cleared.I have never of such a thing.I think they made this up,to avoid telling me the real reason.
Location: Provo, Utah
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Hi. I went through the same thing last year open the account on a Monday and that following Friday my account was blocked had to call loss prevention still no satisfaction now I’m black balled at all banks cause of someone else identity theft
If a Loss Prevention department closes an account, then there is probably fraud history. A bank can close an account at their discretion for any reason, which is in the account agreement.
The bank will not call you.
They will send written notification in the mail because they are required to do so. All banks do this.
it's amazing when deadbeats get upset they can't take advantage of a new company
Wells Fargo did the exact same thing to me, but I waited for my check ion the mail so my money was tied up for several days.
I don't know what the heck this person is talking about, they can barely form sentences so I wouldn't trust what they are saying. I have several closed accounts in ChexSystems, but I opened an Opportunity Account with Wells Fargo a year ago without any problem.
I have deposited checks, written checks, used direct deposit, my debit card, and everything you could possibly need to do. I haven't had any problems whatsoever, and since the account has been open for 12 months now I am able to upgrade to their standard checking account.
If this really did happen to the person above, it's likely they were in ChexSystems for fraud.
You have to do something pretty serious to be barred from a Second Chance Checking account with any bank.
Maybe try not doing shady or ghetto things and you will be able to have a bank account, even if it is only a Second Chance type of account.
Dumb *** lol
Hahaha real talk
You are incorrect, and can write in complete sentences, lol. The above mentioned issue (with a regular checking account), also happened to me through Chase Bank.
I opened up an account, and spoke to the Customer Service attendant on the phone (while I was in the office opening an account with a Bank Representative) to ensure that I was clear in their system to open an account. Both bank representatives said I was in the clear to open an account. I went through the 1 hour long process of opening an account, signing documents, etc. Two days later, I went to use my debit card and I was told it was blocked and to call the customer service line - who let me know my account had been closed.
I called the bank, where I opened account, and spoke to the representative that assisted me and she said she was just made aware of the situation - and had no idea what was going on. She was actually in her manager's office asking about it, at the moment I called. I told her that the customer service representative would not disclose to me WHY the account was closed (even after I had made sure to CLEAR MATTERS UP BEFORE OPENING ACCOUNT WITH 2 SEPERATE Bank Employees). She attempted to call the Customer Service Line, and they told her they could not disclose that information to her without my consent.
We then called back, on 3-way, and I gave my consent to allow them to disclose the information to bank employee - and they still would not disclose WHY my account was closed.
The only thing they could tell me is that they could not offer me their services at this time.
Allow me to note that: I am NOT in Check Systems for any type of FRAUD, illegal activity, "shady or ghetto things", etc.
Question if my oppertunity account went negative a few times will that work against me
Using "shady" or "ghetto" is admittedly racially pointed. Also don't you have *** credit and are bad with bank accounts like the rest of us? Comment on things when they're helpful.
Bad things happen to good people.
You associating those words with race makes you the racist
I work for Wells Fargo as a financial crime specialist and right on if that happened they would had to if done some shady stuff in that past
Well 1st allow me to say that using such stereotypical wording such as ghetto really has nothing to do with fraud or illegal bank activity and I am deeply saddened that in 2019 a very ignorant person would actually allow their ugly self to be seen so clearly. I retired from banking after 30 years and have seen many that you specifically would not call ghetto be the main ones doing bank fraud and very illegal activity. Be blessed.
Dude everyone who is reported to Chex systems is basically concidered fraud . You seem like the joker to me.
Not smart enough to comprehend a bank can do one person solid and do the next dirty. I also have great experience with well fargo so far. I opened this account and one at citizens same day. I had same situation as y’all did but with citizen’s bank.
Told me same thing about I will get my $1,500 in 10 days. I’m like nope and drove an hour to closest branch. They doubled down on me tho and I wasn’t getting *** without pulling a strap. So I ended up going peacefully but *** thing is now it’s been 45 days and all my citizen stuff is closed and I have not received any of my money.
They have terrible customer service it’s a 45-2 hour wait to talk to someone. Me with out an account I don’t even have that option. I don’t understand the angle tho.
What’s my lil $1,500 gonna do for them. I’ve reported to bbb so I’m still a little hopeful.
does anyone kmow when they graduate into a noto a normal accout i have been here over a year and have deiect dreposites wvwry month and then and nobody cangive me straight ansere
they typically graduate you into a normal account anywhere from 6 months-year depending on your banking history. if you had any overdrafts or anything that looks negative, that may delay you.
With Wells Fargo it is a minimum of 12 months before you can be considered for an upgrade from their Opportunity Checking to Standard Checking. This happens automatically, the banking system decides when you are eligible- there is generally very little a banker can do to override this.
If you don't qualify after the first 12 months, your account is re-evaluated every 6 months.
You have to keep the account in good standing, meaning you can't have any returned checks, no overdrafts on your account, and a long history of deposits and spending. If your balance is always at zero dollars, this isn't going to help you.
You need to keep money in your account, not withdraw or spend it all. This demonstrates that you aren't responsible with money.
Hope that helps.
Sorry, but pulling all my money out of the bank is NOT irresponsible. It means that I have no food and need to eat.
Eating costs money, maybe all of the money I have. It means I need to pay a doctor for my diabetes care.
Not everyone is rich and can sit on money. Stop being so demeaning abd unrealistic.
@Funnychick15 The comment posted above yours is not demeaning BY FAR. This person respectfully provided financial information (information that can be found inside wells fargo TERMS AND AGREEMENTS) on how to upgrade a checking account successfully without over drafting.
Nothing he/she stated was condescending, rude or offensive. Just an FYI, not everyone is required to be sensitive towards your inability to afford everyday basic needs. If you are having trouble doing so, the government offers cash and food assistance for those who apply.
This is not the place to ridicule others due to your financial situation. Thank you!
My boyfriend has this type of account. But he cant overdraw his account.
They always taken money out.
The always overdrawing his account. Y is this so