Review Time
As soon as my deposits clear i will be closing this account. nothing but issues with wells Fargo then they put a 4 day hold on my check. i have deposited plenty of checks never had one take this long. then i was told they could cover the neg in my checking so that those payments do not return just to tell me oh I'm sorry it wont be available until Friday 3-6. this is horrible, i needed gas and food and basically i was told nothing we can do. this bank should have been closed down. they do not care of about their customers, they have a ton a criminals working for them. I'm surprised the CFPB allowed them to remain open. not worth the 32 minutes i spent on lunch today trying to deposit this check. oh and of course they didn't give F that my rent is due tomorrow... talking about this check may not have been paid. YEAH right it came from a LAW FIRM bull shit as always. DO NOT BANK HERE you will regret it. also i was told they do not verify checks but the website said different I honestly believed i was being racially profiled.
see what the banks website said- If you need the funds immediately, you can contact Wells Fargo customer service at 1-800-TO-WELLS (1-800-869-3557) to inquire about the specific reason for the hold or to see if they can verify the funds from CIBC faster.
Disclaimer: The above information is based on standard Wells Fargo policies as of early 2026 and may be subject to change or exceptions.
Wells Fargo declined a $1,440 USCIS filing fee even though my credit limit is $6,500 and my online account showed only about $200 to $400 outstanding at the time. Based on what was displayed in my account on January 17, there was clearly enough available credit to approve the transaction.
Instead, the charge was declined. As a result, my USCIS application was rejected and returned, causing financial loss and procedural harm.
Wells Fargo later claimed that only $716 was available at the time of the transaction. That figure does not match what was shown in my online account. Even if a $3,000 payment from another bank was still pending verification, my visible balance and credit limit indicated sufficient available credit for a $1,440 charge.
There was no clear disclosure of any internal restriction, no warning that usable credit differed from displayed available credit, and no transparent explanation reconciling the discrepancy. The case was then closed without a full root cause analysis.
I am urging Wells Fargo to provide a clear and documented explanation of exactly how the available credit was calculated at the time of decline, to disclose whether any internal hold or system restriction reduced usable credit, and to acknowledge if an internal process failure occurred.
If the bank’s systems displayed inaccurate available credit or applied undisclosed restrictions, responsibility should be admitted and appropriate compensation provided for the financial and procedural harm caused.
My wife and I maintain Wells Fargo checking accounts, online banking, and credit cards. After this experience and the lack of accountability, we are seriously reconsidering our entire relationship with Wells Fargo. A financial institution must provide accurate information and stand behind its systems when customers are harmed.
Absolutely went down hill terrible bank atms down all the time most can’t even give you a 10$ bill customer service expects you to wait 30+ mins every time to speak to somebody poor customer service been a member for over 10 years and only haven’t switched because of everything connected too but my time has come, I’m waiting on hold to correct there mistakes
Terrible customer service and decision making! I made ONE claim for fraud and they then decided to revoke all of my debit card usage for 12 MONTHS! They sent me a new card but then told me I can’t use it. This can’t be the only solution given it’s there job to figure out how to serve there customers and they did NOT take me and my needs into consideration! Highly upset and will be banking elsewhere
I have gotten scammed twice for purchases I made online but never received the proper item or just didn’t receive one at all. Wells Fargo has denied every claim I ever made while using their bank. Their customer service is horrible and employees will not open claims but will lie and claim they have, if you call back someone will tell you nothing has happened. They don’t investigate claims at all, they close claims same day and mail you letters apologizing for every claim being denied. They refuse to help anyone and are generally just bad at being a financial institution. I have 13 letters from Wells Fargo all denying my claims across multiple years, you are better off going somewhere more secure for banking.
Wells Fargo is the worst bank to the planet! I won’t go into details except to say they are a bunch of robbers and thieves… This entire system should be evaluated by the Trump Administration and shut down! Years of giving them my business and they closed my account for $500 that was left for me to pay back out of $2500 check that I called and inquired of their “professional rep” that told me to cash the check and 4 days later the check was sent back. Instead of the financial representative suggesting I hold the check and bring it in since I had concerns he assured it would cash. They left me reliable for the full amount. I wasted 11 years of direct deposit with this bank to receive no resolve. In the midst of my paying off the debt they closed the account. Now they are harassing me to pay it knowing they’ve already received the payment from my trust. Not to mention for years they were stealing overdraft fees
They are full of dry bones!
Beginning January 20, 2026, I demanded that Wells Fargo close my business checking account. I called repeatedly. I went to two different branches in person. I gave clear, explicit instructions: Close the account immediately.
Wells Fargo refused.
Instead of honoring my direct instructions, the bank has kept the account open and continues charging monthly maintenance fees for not maintaining the minimum balance.
Let’s be clear:
I am being charged fees on an account I have repeatedly ordered closed.
There is no fraud hold.
There is no court order.
There is no legal justification.
There is no written explanation.
Only delay, obstruction, and continued fee generation.
This is either:
1. Gross operational incompetence at a federally regulated bank, or
2. A deliberate refusal to process closures in order to continue collecting fees.
Neither explanation is acceptable.
It should not require regulatory intervention to close a bank account. Yet that is where this is headed.
I have escalated this to federal regulators, including the Office of the Comptroller of the Currency. Every call, every visit, and every fee is documented.
Executive leadership:
You do not get to hold accounts hostage to generate service charges.
Close the account retroactive to January 20, 2026.
Reverse every improperly assessed fee.
Provide written confirmation.
Confirm no adverse reporting.
If this is happening to me, it is happening to others.
Consumers deserve to understand exactly how difficult Wells Fargo makes it to leave.
Unacceptable.
I have banked with Wells Fargo for I think for at least 20 years or more. I haven't had terrible problems but the few I have had I have found customer service cold, without care/ empathy where the fault of the issue lied with the bank. If you are looking for the friendly hometown bank this is not the place sadly.
Recently a wells fargo customer noticed a $1400 computer repair bill on their account.
WF said that it was legit and they would not refund.
The customer contacted the computer repair shop who confirmed that no such transaction occured.
So WF basically just stole $1400
Zelle payments sent from the bank take three business days to reach the recipient. This was intended to be an almost real-time experience. In reality, receiving traditional paper checks is a quicker way to get paid than waiting for a Zelle from a bank account holder!
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Wells Fargo & Company is an American multinational financial services company headquartered in San Francisco, California, with central offices throughout the United States.
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