Wells Fargo
Wells Fargo Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Wells Fargo has 1.5 star rating from 379 reviews, with 62% saying they would likely recommend; rating distribution shows ~85% unfavorable and 7% positive. Consumers report high prices and mixed service experiences.
Positive Feedback
Some customers note decent customer service interactions and easy transfer between accounts, with occasional prompt resolution on fraud and disputes in Wells Fargo reviews.
Negative Feedback / Risk Areas
- Frequent Wells Fargo customer complaints about poor customer service, rude representatives, and long hold times.
- Recurring dispute and refund denials for fraud, billing errors, and balance transfer problems that caused financial harm.
- Account freezes, delayed direct deposits, and unclear procedures for appeals and reversals.
Key Takeaways for Future Customers
- Expect mixed outcomes when filing disputes; request documentation and escalate early.
- Monitor transfers and refunds closely and keep records of all communications.
- Consider alternative banks if prompt dispute resolution and local branch support matter.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Wells Fargo has 1.5 star rating from 379 reviews, with 62% saying they would likely recommend; rating distribution shows ~85% unfavorable and 7% positive. Consumers report high prices and mixed service experiences.
Positive Feedback
Some customers note decent customer service interactions and easy transfer between accounts, with occasional prompt resolution on fraud and disputes in Wells Fargo reviews.
Negative Feedback / Risk Areas
- Frequent Wells Fargo customer complaints about poor customer service, rude representatives, and long hold times.
- Recurring dispute and refund denials for fraud, billing errors, and balance transfer problems that caused financial harm.
- Account freezes, delayed direct deposits, and unclear procedures for appeals and reversals.
Key Takeaways for Future Customers
- Expect mixed outcomes when filing disputes; request documentation and escalate early.
- Monitor transfers and refunds closely and keep records of all communications.
- Consider alternative banks if prompt dispute resolution and local branch support matter.
Media from reviews





This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Wells Fargo Bank's failure to comply with Regulation E consumer protections and repeated violations of UDAAP
Wells Fargo Bank, N.A.
Regulation E Violations and Deficient Investigation
Amount in Dispute: $538.92
Complainant: Kathren Moore
I. Introduction
Wells Fargo Bank's failure to conduct a reasonable investigation as required by Regulation E, and its improper denial of a valid consumer dispute involving a total failure of services by the merchant, Siegel Select Atlanta/Acworth. Wells Fargo's handling of this matter reflects systemic misclassification of disputes, overreliance on unsupported merchant assertions, and investigative deficiencies that resulted in substantial and ongoing consumer harm.
II. Nature of the Dispute: Services Not Received
On August 19, 2025, I paid $538.92 to Siegel Select Atlanta/Acworth for a one-week extended-stay reservation through August 26, 2025. Due to faulty key access and the absence of any on-site or after-hours staff, I was unable to access the room I had paid for. Multiple attempts to reach the property and corporate contacts were unsuccessful. As a result, I was forced to spend the night in my vehicle with my dog. This constitutes a total failure of consideration and squarely qualifies as Services Not Received. The fact that payment was authorized was never disputed. The dispute concerns the merchant's failure to provide access and lodging.
III. Wells Fargo's Improper Misclassification
Wells Fargo improperly reframed this dispute as an authorization/processing issue and denied it on the basis that the transaction was authorized. This rationale is legally and factually irrelevant. I never denied authorizing the transaction. The dispute is based on the merchant's failure to provide the contracted service. This misclassification materially impacted the outcome and appears designed to justify denial rather than evaluate the substance of the claim.
IV. Failure to Conduct a Reasonable Investigation
(Regulation E)
Wells Fargo failed to conduct a reasonable investigation as required by Regulation E by:
1. Accepting the merchant's conclusory statements without corroboration.
2. Relying on documents that only prove payment (ID, registration agreement, invoice, front-desk photo), not service delivery.
3. Failing to reconcile merchant claims with objective evidence showing immediate alternate housing actions.
4. Refusing to meaningfully consider sworn statements and documentary evidence.
5. Delaying access to merchant evidence for months after the dispute was initiated.
The merchant falsely claimed I was helped into my room, yet provided no proof of room access, occupancy logs, key reprogramming, or staff intervention. Wells Fargo accepted this unsupported assertion despite substantial contradictory evidence.
V. Objective Evidence Contradicting Merchant Claims
The evidence submitted establishes that I did not occupy the room and was forced to make immediate alternate arrangements:
Sworn affidavits confirming I spent the night in my vehicle.
Utility restoration records showing power restored at my former residence the following day.
USPS money orders and banking records showing rent paid immediately thereafter.
Bank statements showing the sequence of hotel charge, utility restoration, and rent payment.
This objective timeline is incompatible with hotel occupancy and demonstrates abandonment of the reservation due to failure of service.
VI. Procedural Deficiencies and Obstruction
Wells Fargo failed to provide transcripts or written records of my original dispute statements and did not timely provide the merchant's evidence. The bank also declined to accept or properly evaluate additional documentation during the investigation, impairing my ability to correct factual inaccuracies.
VII. Consumer Harm
Wells Fargo's improper denial has caused prolonged financial hardship, including overdraft status, loss of essential services, and imminent risk to housing stability and employment continuity. The harm is ongoing and directly attributable to the bank's failure to comply with Regulation E.
VIII. Requested Regulatory Relief
I respectfully request immediate action to mitigate ongoing damages and confirmation that:
Wells Fargo is compelled to reverse the $538.92 charge.
An Internal and External Review is conducted to audit Wells Fargo's dispute classification and investigative protocols.
Evaluate Wells Fargo's compliance with Regulation E and UDAAP standards in this matter.
- Profit over people mentality
Preferred solution: Full refund
User's recommendation: Consumers who have suffered severe damage and financial harm perpetrated in any of the above listed infractions, should immedilately file a complaint against Wells Fargo with OCC & CFPB. If enough of us have experienced significant issues we can band together effecting change and benefiting all consumers. Continue to check ClassActionSettlements.com for settlement judgements and updates.
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Verified Reviewer |ATM CARD ON MY NAME FOUND AT ACCIDENT SCENE. BY AGENT Frank Ben
Nothing, you just want money all the time. My complaint or inquiry was not dealt with. Please, Wells Fargo Bank, sort the problem out.
- Did not know
Preferred solution: Deliver product or service ordered
User's recommendation: Good bank
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |Lied about rescinding a duplicated balance transfer payment
Customer service told me there was absolutely no way for them to cancel a duplicate transfer but then went and did it. I was told to get Bank of America to send me a refund for the over $5,000 transfer so I could then repay Wells Fargo.
I did all of that and paid back Wells Fargo. Then Bank of America charged me that $5,000 amount because Wells Fargo canceled the payment for the balance transfer. Telling me they couldn't rescind the payment was an outright lie. I was refusing to pay Bank of America because I thought the charge was illegitimate.
This completely destroyed my credit score.
All my cards were closed by the creditor. This was all because Wells Fargo completely lied and made me believe it was impossible for them to rescind this payment.
- Are so large of a company that they can ruin your life and accept no responsibility whatsoever and do nothing to help after your perfect credit has been destroyed
Preferred solution: They didn't even offer an apology for the destruction of my credit score. I want retribution but they can't fix anything at this point.
User's recommendation: If you ever do a balance transfer, dont expect confirmation. If you accidentally duplicate it thinking it never went through, do not believe wells Fargo when they say they can't cancel the duplicate. They're lying and it's going to end up ruining you financially.
Unknown Charges on my debit card
I was reporting multiple unknown charges on my debit card that after 3-4 transactions, something had to be said. So I called them; the gal was wonderful.
Extremely helpful with submitting disputes. And I specifically asked her, what is the time limit that I am no longer able to file any disputes, and she specifically told me, 'there isn't any.' I was shocked. So I went back to August of '24 where someone from Florida decided to charge over $600 worth of stuff to my debit card. And all of a sudden, there was a 60-day limit on debit chargebacks.
I want them to pull the phone call when the gal told me there was no limit, and I would like them to honor that. But I'm not living in Candy Land; I don't anticipate I'll see a red center. At least they won't think I'm making this up to get stuff for free. Far cry from it.
I would like fair, though.
Even fair is next to pulling teeth in the world today. I'm switching over to Navy Fed Credit Union now.
- Typically have great staff but on issues like this theyre pretty unwavering
- Were completely unwilling to see my side of the story and i was blown off of course they think im just lying to get free money basically they dont have to say it they make it clear it was my own money that was sent not by me after all
Preferred solution: The money back from the person who fraudulently charged over $600 on debit card between 7/24 and like 9/24.
User's recommendation: They're getting worse and worse. Go to Navy Fed Credit Union instead.
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Verified Reviewer |Refusal to act when I alerted them that I had just been scammed on the phone. They PAID the scammers (it was pending when I alerted them) and will NOT give me my money back
I was scammed over the phone with threats and the whole thing and I alerted Wells Fargo immediately. The charge was new and barely pending for 1,093.23.
The scammers got my card info and already knew my social and old address. Wells Fargo PAID THE SCAMMERS AND CLEARED THE CHARGE and refused to reimburse me. Im a victim of a crime that I immediately told them about and they basically helped that crime to completely follow through and they let the perpetrators cash out. Im disgusted and Im transitioning to another bank.
This place is shady af. Ive been a customer since 1993 and this is how they treat me. Whats more is they send me a new card and a new PIN and guess what! More fraud the next day!
Amazon charge! I still dont have that one back either. I truly feel like Wells Fargo is stealing from me. Its a horrible feeling.
They control my livelihood!!! What am I going to do?
- Are stealing from me
Preferred solution: Full refund
User's recommendation: Do NOT BANK WITH WELLS FARGO
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Verified Reviewer |My Opinion: Deceitful business practices
I was trying to open an Everyday checking account on line with Wells Fargo Bank to receive their 325.00 bonus for new account. You had to have a direct deposit of over a certain amount within 90 days of opening the account, and you would then receive the bonus amount.
I tried twice to open an account on line and my internet provider was sketchy so the account(s) didn't work. I then went to the Wells Fargo Bank in person and took all pertinent information to the personal banker. I was told by her that she would close those two accounts as nothing had transpired in them and open me a new account and put the bonus code in and finish the account. I wanted to be sure all was being done correctly.
When she told me to pull up the web site so we could complete the transaction, I did. Then I gave her my phone and asked if she would complete so that it would be correct as she was much more familiar with the bank details than I would be. She completed and told me I would receive the 325.00 bonus within 90 days of my direct deposit. A couple months passed and I went into the bank and spoke with her...she looked it up on her computer and asked another lady to come over and look.
She then said yes; you should be receiving the bonus by June 26 as that will be about the 90 days. I went into the bank shortly after June 26 as never received the bonus...the personal banker I dealt with was no longer an employee of the bank... SO, back to square one with another personal banker ...spent about an hour there...well she couldn't give me an answer...she would have to make more calls and check with branch manager and would DEFINITELY call me the next day. TWO days went by...no call from the personal banker!
I again went to the bank...spoke with the personal banker...she still didn't have an answer for me...and no excuse for why she didn't call me as promised...so she went to another office and spoke with the Branch Manager. She came back with the branch manager...and told me "I didn't qualify for the bonus as it was for NEW checking account customers and since the two failed ones I had opened, counted against me as being a NEW customer"! SO ARE THEIR EMPLOYEES JUST LYING TO CUSTOMERS? OR THEY JUST DONT KNOW WHAT THE *** THEY ARE DOING?
Their employee set up the account and told me when I would receive the bonus and then the next employee, branch manager says..'You don't qualify for the bonus'??? What a chicken _____ BANK !!! If you can't believe their "personal bankers", who can you believe?
How pathetic their own bank employees are promising customers; then NO you don't qualify!! OBVIOUSLY, I will be closing my account at PATHETIC Wells Fargo Bank as I don't believe "THEY QUALIFY TO HAVE MY MONEY IN THEIR BANK, TO USE AT THEIR DISCRETION." I hope whomever reads this will take TOTAL precaution before dealing with Well Fargo Bank.
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThis bank sucks
I have been a Wells Fargo customer since 2015. I recently had to get money in advance put into my account, and every single time I did, it took me over a month to get my money.
This time my car was impounded, I lost everything I owned, and they will not let me get any of my money out. They won't let me. They told me to buy a phone, and I bought a phone to use for tap to pay. They don't know what they're doing.
Their CSRs that get the calls are in the Philippines. The Philippines has never been a good situation for me personally because they always lie, and they do not like forwarding the calls.
They don't like helping; it is just ridiculous. So last night, as I sat here fuming, it occurred to me they have my photo on my online account.
Preferred solution: My money out of these accounts
User's recommendation: Don't bank with wells fargo
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |My Opinion : Deceitful banking practices
This is a continuation of my complaint dated July 3, 2025, entitled 'My Opinion: Deceitful Business Practices.' My opinion: it is regarding Wells Fargo; please pull up my complaint under critical reviews of Wells Fargo on Pissed Off Consumer to follow with this complaint. I received an email after my complaint, with a whole bunch of word salad from Wells Fargo.
So, again, as in the original complaint, their employee closed the account ending in 6222 and opened the account ending in 9834 and told me she put the code in for me to receive the $325.00 new account bonus. I sat at her desk in the Wells Fargo bank while she did this. Yet, in the word salad email from Wells Fargo, they stated the 9834 account was opened on January 14, 2025, and the 6222 account wasn't closed until the following day, January 15, 2025; therefore, I had two accounts open and that's why they won't pay the bonus. That is impossible!!
I sat right there and was told she closed 6222 and opened 9834. If the bank is showing otherwise, then their employee didn't post it properly and it didn't show until the next day. No one else could have closed/opened the accounts!! Is this their way of getting out of paying me the $325.00?
Talk about out of touch; the email from Wells Fargo went on and on about the promotional credit of $400.00???!!! I am not sure they even know who in the *** they were writing to as my promotional credit was to be $325.00!!! Again, their bank employee told me over and over by phone and in person at the bank that I would be receiving the bonus offer. Again, do their employees not know the rules and just tell the customer anything?
And, the bank won't back up their own employee statements to their customers? How pathetic! I feel I am entitled to the $325.00 bonus I was offered as it is not my fault their bank employee screwed it all up!!! I noticed on the Pissed Off Consumer website that Wells Fargo has a 1.6 star rating, saying consumers are mostly dissatisfied.
I can certainly see why!!
Their rating distribution shows 86% negative and 7% positive. I guess I am not the only one getting screwed around by Wells Fargo!!
Preferred solution: Full refund
Poor chat service
I visited with the chat service on my problem. Then they charged me $5 for an answer.
Then it went up to $40. Do not use this system!!! I just need to visit with a representative from the auto loan department to resolve an issue.
It is not easy to do so. I called a few days ago and was on hold for 2 hours!!!
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Verified ReviewerWorst bank ever
About a month ago, I lost my car to an impound. My stuff was stolen from the impound—everything I owned, all my paperwork, my clothes, my makeup, everything.
Everything I own. I had an advance come to me through Wells Fargo. I've been a Wells Fargo customer since 2015, and it took them a month to move the funds from my escrow to a checking account. They told me to go and get an NFC smartphone, which was $158.
I went and got the NFC smartphone; guess what? It's not eligible. I went into the branch with my photocopy ID. No, that's not eligible.
They've had my money for over a month and a half, and due to all of this, I am now homeless. Don't bank with Wells Fargo.
User's recommendation: Don't bank with Wells fargo
They left me with no money due to an incident that happened 15 months prior.
I had an issue with a check I deposited in April of 2024. The check turned out to be fake which I didn't know until they closed my account.
I contacted the fraud department as was suggested and they accused me of committing fraud which was absolutely not true. I explained the situation and they saw I had no intention of committing fraud. They reopened my account and told me the issue was resolved. This morning July 30, 2025 my debit card was declined, so I looked on my app.
$o in my account with a note that I needed to contact the fraud department. I called and they told me they decided to end their banking relationship with me 15 months later because of the fake check from April of 2024. They emptied my account and put me balance in a check that they mailed to my address. I should expect to receive it in 1 to 15 business days.
In the mean time, my paychecks are direct deposited into my account that is now closed, so I have no way of getting my pay from my job. I can't automatically designate a new account for direct deposit, so I am not sure when or how I will get my paycheck until the new account is approved. This is completely unacceptable! I was told that nothing could be done and to enjoy the rest of my day.
Wells Fargo has taken all current money and future money from me, and left me with nothing.
How am I supposed to enjoy any day for the next at least week after Wells Fargo took all of my money from me. WORST BANK EVER!
User's recommendation: Stay away from this bank.
Not getting the help I needed
Trying to pay a agreed that I sit up and no one is there for me to pay for my agreement just got hung up on and it's not letting me get it paid.
Preferred solution: Apology
Cancel credit app
Cancelled contract with leaf filters they are scamming people with lies about their business dealings and services !!!
User's recommendation: Don’t deal with leaf fillers
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Verified Reviewer |Direct Deposit deliberate Interference
For the last three months, Wells Fargo has been delaying my direct deposit by claiming customer and validation problems. My checks are issued by the U.S.
Treasury for Social Security disbursement. The delay threatens to negatively affect my credit rating and reputation with local businesses.
One would think the bank would have solved a problem like this by now. In my humble opinion, they're only ruining their own reputation as an honest financial institution.
- Good reputation
- Very difficult loan policies
Preferred solution: Apology
User's recommendation: Move your direct deposits to a different bank.
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Verified ReviewerDenying refund of fraudulent charges
There were 5 Uber charges on my debit card from Uber, which I reported immediately, like within 24 hours of them appearing on my account. Within 3 days, they denied the claim, saying that their research determined that it was me or someone authorized by me who made the charges!
I requested the reports of how they did the research, but that can take up to 30 days. Wells Fargo is a complete joke. So much for zero liability on fraudulent charges if reported within a reasonable time and also for 24/7 monitoring of all accounts. If they were monitoring all my accounts, they would have seen that all my Uber charges are charged to a different Wells Fargo card.
And they have been since 2018! This bank is a complete joke!
I cannot wait until I open a new account. I am done with them.
- Ease of using app
- Slow to settle claims it took over 6 weeks
Preferred solution: Full refund
User's recommendation: Use a different bank
About
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Wells Fargo's principal activities are to provide banking, insurance, investment, mortgage banking and consumer financing services. It operates in three segments: Community Banking, Wholesale Banking and Wells Fargo Financial. Community banking segment provides diversified financial products and services. It also provides investment management, insurance, securities brokerage and venture capital financing. Wholesale banking segment provides commercial, corporate and real estate banking products and services.
Wells Fargo financial segment provides consumer finances and auto finances. The services are provided through banking stores in Alaska, Arizona, California, Colorado, Idaho, Illinois, Indiana, Iowa, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oregon, South Dakota, Texas, Utah, Washington, Wisconsin and Wyoming. One of the top banks in the US, Wells Fargo has about 6,600 bank branches in some 40 states, and more than 4,000 mortgage and consumer finance offices nationwide. A top residential mortgage lender in the US, Wells Fargo is also one of the largest mortgage servicers. Wells Fargo & Co completed its acquisition of Wachovia Corporation on December 31, 2008. For the time being however, Wells Fargo Bank, N.A. and Wachovia Bank, N.A remain separate banks owned by Wells Fargo & Co. customer service is available 24 Hours a day, 7 days a week at 1-800-869-3557 (General Banking Questions), 1-800-956-4442 (Online Banking and Bill Pay Service) as well as 1-866-867-5568 or reportphish@wellsfargo.com (Online Fraud Reports ).
Wells Fargo is ranked 706 out of 5630 in Financial Services category
USA, Worldwide
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