So, I have 8 transaction that I'm not able to deposit money in time before they take the money out of my bank account, and the bank charge me 8 freaking times for the overdraft fee, I wonder if there's anyway that I could get the wellsfargo bank to waive the fee for me, if not all, but at least some of them.. What should I do to get some of my fee waive, I already talked to the branch here, and they only could waive two, but I know there must be someway to waive more, but they just don't want to...
I had this problem one time before. Don't call the 800 number, call your banker and tell them the situation. I had some off for me and they made me pay one.
Wells Fargo will waive some of the fees for you. They will only do it for you once a year, however. I would fight for as many as you can. You can call the 800 number, however make sure and ask for the "Online Banking" dept. Those guys can definitely waive some fees for you.
Yeah, I went to one of my local branch, and they only waive 2 out 8 for me, I was hoping the other way around, charge me only 2 times.
I hate Wells Fargo. I used to bank with them but they charged me so many fees. I suggest looking into Wachovia, USAA, Washington Mutual, or a local credit union.
So, I call the 1800 number, and speak to a rep, they told me there's nothing they can do about it, they said they trie, so I ask to speak to a supervisor, and he told me that he can only waive 2 more, that's the most he can do.....and tell me to go to a branch to ask for help........ Now, when the branch manager sees that I already have 4 of them credit back, of course they will say you already credit 4, that's the most we can do for you.......blabalal...........
yeah i have had the same problem. in the past i had a friend that worked for wellsfargo and he would waive them all. he really saved me once. but thats the only way i could probably think that would help.
This is why i harp about using credit cards and paying them off every month. Overdraft protection is the same thing as a credit card. Either use a credit card or get overdraft protection. That 4.99 happy meal at macdonalds and 10.00 gas fill up on your debit is now $94.99.
That's why I know they could waive them all ONLY if they want to, but hell, it's not their money, so, they won't waive for me.........
Just tell them you are going to close the account if they do not refund the fee. It works for me everytime.
I used to work for a bank and we laughed whenever someone told us that. "How are you going to close your account if you have a negative balance" was always my reply. Sorry, but chances are if you are constantly getting overdraft fees, the bank probably isn't going to go out of business if you close your account. I used to know why someone was calling before I even said hello. As soon as you pull up the account and see the overdraft fees, you just knew. We would waive one fee per year. If people abused it, we wouldn't waive anything. Yan_Yao, you're lucky they waived any of the fees. It sucks to have that many at once, but that's the breaks. Banks are in it to make money just like any other business.
Couldn't agree more! I have Wells Fargo right now and have had them since they were First Interestate I HATE WELLS FARGO! So many ******* BS fees here and there. Nickle and dimin mofos !
It doesn't hurt to try. Everything is negotiable. It all has to do with two things: How good a talker you are, and what person you are talking to. I've gotten overdraft charges dropped with BOA before, and I think that's comprable to Wells-Fargo, another banking giant that supposedly 'doesn't care'. At any rate, you're going to get back at least $200 for just trying, and if you don't, you will at least have the satisfaction of knowing you tried. All of that said, I suggest you join a credit union after this. I dropped BOA after I asked for a personal loan and they handed me a credit card app. Credit unions are built for the customer, not the other way around.
he has overdraft protection...overdraft protection makes sure that up to some dollar figure, the bank will still cover it to the third party seeking payment on your check. but every bank i'm aware of charges a fee for each such transaction. bottom line is the bank provided a service...they essentially floated you a loan when you didn't have enough money in your account to meet the checks you had written. had they not done that, you'd have a group of hot checks out there. not fun. that stuff finds its way to your credit report. the fees suck. never hurts to ask them to be waived. but don't think you're going to avoid this at any other bank.
In most probability, they won't waive the fees, because they're evil Banks suck Wells Fargo especially sucks. (they charged us fees just for writing checks on our "free checking" account!) I recommend that you not live paycheck-to-paycheck Under circumstances like this, they won't care if you threaten to close your rinky-dink account. If you're so close to being overdrawn, there isn't enough money in the account for them to care about any profits they'll make from it.
Um, I think most people who live paycheck-to-paycheck would prefer not to live that way. For some, it's a necessity. I got pissed at Wells Fargo back in September for cashing a check on the 29th of August even though I had dated the check for the first of September. I was going on my honeymoon and didn't want to be late on my rent check, so I dropped it off the day we left. They tried to argue that they always cash checks like that regardless of the date and I tried to get them to explain the point of even having to put a date on the check, but they really couldn't give me a good explanation. Luckily, after b****ing a bit, they waived the two fees (upwards of $70) that incurred after the rent check put us below $0.
Totally agree about living paycheck to paycheck. Its difficult to just **** an extra months worth of money when you don't have it. God forbid you try to cash a paycheck at the bank a day early, they have a fit but if you write a check and post date it then it is our problem. Typical bank hypocrisy. Another example. You go to cash a check and they want to hold it for 6 months to make sure it cashes but as soon as you make a withdrawal or owe them money, you sure as hell know that your money is gone.
Actually the date on the check is really for your benefit only. They have machines that process those checks and the only thing they use is the routing number and account number on the bottom of the check. I doubt the people even look at the date. They assume that if they have the check, it's ready to be cashed.
