Wells Fargo Bank

The worst. If you need to meet with a banker be prepared to wait 30 – 60 minutes. That’s what happens to me most of the time. Actually waiting right now and it seems that making popcorn is more important than helping someone who has been waiting for over 35 minutes.
Note: I wrote this months ago and now I am posting it. At this current moment I am trying to call this branch but the phone has been ringing over 100 times!

Very pleased with customer service and expedited results in obtaining a Wells Fargo Personal Loan.

I have to post a negative review of Ruben Delgado too. We had great credit and I had been a Wellsfargo customer for well over a decade.
Needless to say getting a loan on a property was stressful and a mystery working with Ruben.
He would lose paperwork. Would not return calls. And missed our closing date blaming it on the office in San Antonio. He of course danced around the one month mortage paid for free offer if Wells Fargo missed the closing date. He ignored multiple emails and messages I left.
This took place a little over 3 years ago, but I decided to do a search to see if my experience was unique. I guess not.
I’m in the market again for a loan on another property and will give another bank a shot at it after this experience.

This branch is very un helpful and lacks personality. I waited 15mins (which I didn’t mind at all) to speak with someone about an unknown transaction made on my account. Mr. Snow seemed very uninterested like he really didn’t care very much, just staring at me like he had no idea what I was saying. After he gave me silence, turned to his computer screen to type something in, he then just asked for my card and ID. No initial questions were asked to me, and I was definitely not reassured that he would help me solve this issue on my account. After he called someone for me trying to find some information on what was going on — he had nothing. Have me his card and told me that if I saw any other transactions come up that were not made by me I should come back in. Wtf. Why would I come back in? I received no guidance in helping solve the situation, no resolve as to how to go about it, and I left feeling like I wasted my time. I went to the WF on S. Lamar and they helped me immensely and in only 20mins it was all taken care of. I will not be returning to the William Cannon location — or at least not going inside for help ever again.

Stopped here early this morning before they opened to make an after hours deposit, but could not complete it because they had NO envelopes and NO deposit slips. I even checked all the drive through lanes. Why even bother having a night drop?

Ruben Delgado not only lost my paperwork for my refinance, but he was IMPOSSIBLE to track down. You would have thought I was doing him a huge favor to work with him. He wouldn’t return emails. He wouldn’t answer the phone. He wouldn’t return calls. Do yourself a favor. If you are thinking about using this guy, go sit on whatever you want done for 5 months, and then go punch yourself in the leg. It’s a pain. Don’t work with him.

Was frustrated enough trying to get through traffic trying to get to the bank before they closed at 6:00. I got there at 5:45 last night, and they were closed. The door clearly states that they are open until 6:00pm on weekdays. There was no notice on the door explaining why they closed 15 minutes early. Who can you trust?

The one time I need some help, they don’t have their usual 30 personal bankers loitering in the entrance jacking around. Wells Fargo is essentially a walmart.

Ok, I couldn’t care less about the appearance of the bank, compared to the chic below.
I will say, however, that the banker, Lashonn, assumed that I wanted my new account to be a PMA (look it up if you don’t know) instead of asking me first. A person incurs fees with PMAs if they don’t have a minimum balance in their accounts. This was the biggest and worst strike. It took conversations with 3 other bankers to revert my accounts.
Then my WF mortgage account was not realigned to autodraft from my new account, so I was late in making a mortage payment (first time ever). And another conversation with a 5^th banker had to happen.
I wrote the branch manager to share my thoughts and give him the rundown of what happened. He pushed the email back to Lashonn, the original banker. She proceeded to call and question every claim I made. I’m not looking for excuses, don’t waste my time with them; I’d rather it be done right the first time.
I’m not saying don’t bank with Wells Fargo, I’m saying don’t come to this branch if you want things done correctly the first time.

Ruben Delgado is the worst loan officer imaginable. Whatever you do, do not seek out a home loan from this man. I’ll refrain from any slander and present facts alone in condemning this yahoo.
I have to be the most textbook case of a ready and willing homebuyer in history. I simply walk in and ask him for the loan, accepting a slightly higher interest rate because I have banked with Wells Fargo for years and didn’t want the hassle or hidden feeds of a mortgage broker.
We work things out, I get pre-​approved, I find the house (which was a debt-​to-​income ratio of sub-​30%, meaning this loan should be a breeze), my bid is accepted. Then, Ruben decides to check out of reality.
1) He informs me I can use a local city-​funded program to put the tax credit towards my down payment through a micro-​loan. Not only is this not possible to accomplish within the time frame of the close, but he absolutely expects me to pull $ 5,000 out of a hat for the down payment when he suddenly realizes the city government won’t approve an $ 8k short-​term loan in less than 3 weeks. I could have told him this since it’s common sense, what kind of city government program responds that quickly? My application fee for this program is still tied up with the Austin city government, 3 months after it was sent.
2) He promises to provide me points on the loan to compensate for this mistake. This is an outright lie. He pretends he «forgot about it» or his «boss forgot» when my loan is closed. These points, which would have saved me thousands of dollars over the long term, are a fiction he created to push me to closing. This is the same tactic a used car salesman uses, except we’re dealing with a home and my livelihood through a supposedly reputable, national bank.
3) He tells me, literally two hours before our «close time,» that I’ve been selected by a random audit due to the state of the economy (which somehow we couldn’t have figured out weeks beforehand BEFORE I BOXED UP MY ENTIRE APARTMENT). I’m then told I need to produce a document from my accountant to the tune of $ 500. I ask him to see if this requirement can be waived, which he assures me it will be. Closing is then delayed an additional 5 days so he can do nothing to waive this requirement, irritating the seller to the point that I nearly lose the house. After 5 days, I call Ruben to find out that I still need to produce the document. My accountant and I scramble to produce it, barely making the deadline the seller gave us to provide it.
So let’s recap with another 1−2−3 list the problems caused solely by Ruben’s incompetence during my house buying process.
1) $ 5,000 in cash I was told I would not need to produce, lost, gone. The $ 250 application fee? Lost in the hands of the city bureaucracy for who knows how long.
2) $ 500 towards a financial document I could have had prepared for cents on the dollar had I adequate notice it was needed during the closing process. Oh, and I nearly lose the house because of this.
3) Huge costs incurred do to maintaining my apartment lease, losing work time, packing and repacking my entire LIFE multiple times due to his constantly changing idea of when I may be able to close.
4) Interest on the life of my loan due to the fictional «points» I was to receive due to his incompetence.
5) The additional monthly payment I’ll have to incur due to not having the tax credit available as a down payment.
The man flat out does not care about you or your loan. Do not do business with him. Find someone who will at least pretend you are a human being and who occasionally reads new rules and regulations. Else, you’ll get stuck with a $ 7,000+ bill you didn’t know you had to pay!

I have been with Wells Fargo for years… No MAJOR problems until recently. This branch is so ugly… dont ever visit this location.
I booked a cruise and had paid for half of it. The rest of the total amount was set to roll through my account on a particular day. This day came and the money came out of my account… normal right? WRONG. Three days later the money was BACK into my account. I printed a copy of this page for my personal records… I contact my travel agent to ask them what was going on, they tell me that my cruise is paid in full and they have not pulled the money in and out. So at the same time, I use online banking so I was watching it… but I was also waiting on several hundred dollars to be returned to my account because I had rented a boat on lake Travis and it was shut down the day of… I pay rent on my house… I take care of life as normal… UNTIL I go back to my account and the money is gone again… and Wells Fargo decides to hold my incoming money for 7 days… This was a RETURN… this was my money to begin with. The money proceeded to go out of my account, back in and back out again. This was over the course of 2 weeks… Really messing up my bank account… Its taken me 2 weeks to get it sorted out enough to say FK this. and leave.
Also, I am the primary on the bank account. Always have been… I added my boyfriend to the account a few years back. He went in a couple months ago and started what was supposed to be our savings account. I get a notice in the mail that says I am not on the account and I need to sign the following paperwork so I can properly be added to the account… weird that the NON primary can add an account and the primary cant access it… but whatever. So I sign the paperwork, and then send it in. A few weeks later I try to access this account and they tell me that I cannot, because I am not on the account, although I filled out the paperwork. They then tell me that it is a private account, that apparently is attached to my account, so I pay the fees on it… once a month $ 100 transferred out of my account and into savings, and I couldnt access it… I get my boyfriend to go in there… and we both argue for about 30 mins before they finally attempt to sign me up for the account… I NEVER had access to my OWN money…
Yesterday I went in there and gave them the big middle finger… I moved to WamU, and the minute I walked in it was better. They greeted my boyfriend and I with smiles and remember his name from a previous visit.
FK Wells Fargo, If you cant tell me where my money is going, if you cant give me access to my own money, WHY SHOULD I TRUST YOU WITH MY LIVELIHOOD???