How To File Wells Fargo Complaints in Minutes With DoNotPay
The customer complaints against Wells Fargo suggest that the trust the bank has earned over time is waning. In response, the bank is working on improving its services and addressing concerns regarding the timely delivery of funding.
Wells Fargo has been able to rectify some of the issues after launching an internal investigation which led to some restructuring and credit restrictions for high-risk borrowers.
The number of customer complaints Wells Fargo received in recent years has been large, with more than 180,000 in 2018 alone.
Customers of Wells Fargo have made thousands of complaints against the bank, mostly due to the bank's low interest rates on loans and its closure of accounts without warning.
The most common forms of Wells Fargo customer complaints are:
- Lengthy Loan Application Process
- Closing of Accounts Without Notice
- Delayed Bankruptcy Discharge
Many customers have made complaints against the bank, saying that its low interest rate on personal loans is not enough to make up for the long waiting periods involved. The loan application process can take three to four months to complete.
Customers have also complained about their accounts being closed without warning. This happens because of the bank's automated system, which gives automatic overdrafts to customers who are late on payments.
Many have also complained about Wells Fargo's slow or delayed bankruptcy discharge. The process takes up to six months, making it hard for those who are unable to pay their loans back to get out of debt with Wells Fargo.
Other common issues with the bank are:
- Delays in receiving funding
- Inaccurate credit scores
- Overdraft charges
- Check bouncing penalties
- Auto insurance issues
If you want to dispute an overcharge or a transaction made through the bank, you should consider requesting a Wells Fargo refund.
Wells Fargo has a dedicated Customer Complaints Department that is open Monday through Friday from 8:00 AM to 10:00 PM Eastern standard time. Customers can either call 1-800-829-4040 or simply log on to the bank's website in order to file their complaints.
Wells Fargo's reputation among its customers has been of concern to the bank, and the bank has invested efforts in an attempt to rectify this.
In an effort to improve its reputation, the bank promised it would:
- Reduce complaint volumes by 30% in 2019 (compared to 2018)
- Reduce complaint volumes by 35% in 2020 (compared to 2019)
- Refocus customer experiences by 2020 (launched in June 2018)
To ensure customer satisfaction, the bank also made many changes to its corporate culture:
- Offering an employee bonus plan with an average of $2,000 for doing good work (as opposed to a simple cash incentive)
- Expanding global training programs to 10,000 people per year (especially in the United States)
- Increasing the number of customer service representatives to 500,000
- Making it easier for customers to get their problems solved by the bank's call center staff.
These efforts, however, are yet to produce the desired results. Wells Fargo has been hurt by its lengthy loan application processes and delays in cash withdrawals for many customers.
In 2021, the bank received more than 190,000 customer complaints. It appears as though the bank didn’t live up to its promises.
|How To Reach Wells Fargo Customer Support|
|Phone||General banking: 1-800-869-3557
Wells Fargo online: 1-800-956-4442
For people who are not familiar with the legal process, filing a complaint against Wells Fargo in small claims court can be difficult.
Before you decide to sue Wells Fargo, make sure you are actually eligible to file a complaint against the bank in small claims court.
To be eligible, you must have a claim amount that is limited to $10,000 or less. This is called the jurisdictional amount. If it is more than $10,000, you will need to file a case in a different court.
Here are the steps you need to take to file a Wells Fargo Complaint in small claims court:
- Create a draft of your complaint
- Print out copies of your draft and create a cover sheet that includes the name of the person or company you are filing against, their address, their phone number, and any other relevant necessary information
- Create more than one potential cover sheets for each possible outcome of your case: win, lose or draw
- Make a copy of your complaint and send it certified mail with a return receipt
- Wait for 6 to 8 weeks approximately in order to have the court's attention
- Call the clerk's office of the court you want to file your case in (Wells Fargo complaints should be filed in Washington State)
- Print out your complaint and fill in the section called "attachments" that asks for relevant documents, including bank statements, email receipts, pictures showing transactions, withdrawals or deposit items, and other information that can support the case
It may be difficult to tell if Wells Fargo will take the complaint seriously, but it is important to follow these steps. If you have any questions about what you're filing, an attorney can help.
After filling out the section called "Attachments" and mailing your complaint in certified mail with a receipt, there are a few things that may happen:
- Wells Fargo might ignore your letter
- They might send you an offer to settle—this means they want to pay you money in order for the issue to go away and claim that they never had any intention of defrauding or harming anyone
- You might agree on a settlement with them through mediation-if so, sign a written agreement that states what is going to happen and that it cannot be discussed in court.
If there is no response from the person or company, or you find their answer or settlement offer unacceptable, you can take your case to court.
If you win your complaint, Wells Fargo will be ordered to pay you the amount of money that is owed to you. If Wells Fargo ignores the small claims court, they can be found guilty by default and incur an additional penalty of $125.
Is the complex legal process giving you headaches? Even if that’s the case, you shouldn’t let Wells Fargo get away with the monetary damages it caused you.
DoNotPay is here to help you bypass the bureaucracy and take Wells Fargo to small claims court without having to spend thousands on lawyers. Our award-winning app can generate a demand letter or a court filing for you in minutes!
Here’s how you can file a complaint against Wells Fargo in a few easy steps:
- Open DoNotPay in your web browser and select the Sue Now product
- Enter how much money you are owed
- Choose a reason for your lawsuit
- Answer a few questions from our AI-powered chatbot
- Provide any evidence to help us build your case
That’s all there is to it! DoNotPay will email a demand letter to Wells Fargo with a two-week deadline for answering your complaint. If the bank doesn’t respond or responds with a solution you don’t deem satisfactory, you can escalate the issue and take Wells Fargo to small claims court.
You can file a complaint for any issue with the FCC. With Wells Fargo, it's best to ask the FCC to look into the claims that the bank is harming their customers and violating specific laws and regulations.
To file a complaint against Wells Fargo with the FCC, you can:
- Visit their website at http://www.fcc.gov/complaints
- Call 1-888-225-5322
- Fax your complaint to (202) 418-2906
- Mail your complaint to: FCC, Consumer & Governmental Affairs Bureau, Consumer Inquiries and Complaints Division, Washington, DC 20554
Another agency that will be able to help you file a complaint against Wells Fargo is the Consumer Financial Protection Bureau.
While this agency deals with all banks in general, it will still be able to handle your specific complaint. You can find more information and submit your complaint on CFPB’s website.
Your individual state attorney general will also be able to help file your complaints against Wells Fargo. Each state has their own Attorney General, and you can find their contact information by going to the official website of your state.
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