Wells Fargo Bank System

Decades ago when my son was little we took a jar of coins to Chase for counting. The counting machine was broken so we went to Bank of America branch next door that literally opened the day before. There was nobody there but a teller and a guard. I asked the gal if she could count the coins in their machine. She said unless we had a bank account there she could not help me. I said there is literally nobody in the branch and this would give her something to do. She shrugged and said she couldn’t help me.

never did business with WF, but the Union did. it was there major account with them. general fund…….with the amount of fees they charged for the amount of money that was in the account…….the local went elsewhere!!!!

BigWerm wrote:

I left WF years ago and will never be back. Funny/messed up story, a former co-worker hated WF so much he refinanced his mortgage just to switch it out of WF. Well a couple years and 2-3 sales of the note, and he was right back with WF. It’s too bad these big banks were deemed too big to fail, as there is no longer any impactful repercussions for illegal actions (of which WF has been found guilty over and over again) anymore, let alone immoral or inconsiderate ones.

i did thta myself with my mortgage years ago……only for it to get bought back by the same slimy outfit!!!

Jimmy Jones wrote:

<div class=”d4p-bbt-quote-title”>Gitchi Gummi wrote:</div>
The bank is making no money by changing bills for you, and they have a risk of you exchanging counterfeit money.

Sorry, but that risk exists with every single bill passed thru the drive ups, over the counter, whatever or however they receive and deal with currency.

Just my opinion here…. the currency is guaranteed by the Federal Reserve Bank. Simple exchanges by any bank below that should be required without fee or membership. I can fully understand if people were to expect an exchange that dealt with a thousand bucks, but we’re talking taking 5 twenties and handing over a single 100. Fifteen seconds. That include wiping the pen to check for counterfeit possibilities. What’s done is done. In my eyes the bank is a tribe of A Holes and will get what is deserved down the road. I just wonder how many other people have walked in those doors thinking this won’t take long only to leave feeling like they’ve been pushed into a puddle of feces. I’ll never set foot in there again. And I now know there are quite a few who at least share that sentiment and that should worry that bank at every level.

Do you walk into other businesses and expect their employees to provide services to you for free? Saying the bank should forego any risk to counterfeit currency and just have the federal government should step in is a wild take.

GG……yes i do. based on there service to me would make me decide weather i go back and actually do business with them again.

how often does a guy go into a place of business and ask a repair question and they direct you to the right place. here in little ole Cold Spring it happens alot.

i look at the incident with Jimmy and think to myself………..there sure not trying to gain new customers!!!!!!!

And people say the younger generation is entitled…

glenn57 wrote:

GG……yes i do. based on there service to me would make me decide weather i go back and actually do business with them again.

how often does a guy go into a place of business and ask a repair question and they direct you to the right place. here in little ole Cold Spring it happens alot.

i look at the incident with Jimmy and think to myself………..there sure not trying to gain new customers!!!!!!!

They buy their customers. Just swallow up smaller banks and walla, more customers.

Gitchi Gummi wrote:

And people say the younger generation is entitled…

you funny guy, hardly entitled and I’m 67.

I’m with JJ on this. He wasn’t asking for anything that would take more than 30 seconds. As for it might be counterfeit currency, I don’t think someone passing funny money is going to do it at a bank where they have a way to check for cf bills. JMO

I agree with Glenn. If I walk into any business and don’t feel as if they’d welcome me or my business, then I will cross them off my list.
As a contractor, I’m “expected” to offer free estimates for construction projects. Granted they’ll be mainly single family homes with the occasional apartment or church. But I put my time into my investigation and bid knowing full well that after my 2 trips, 7 hours, 9 phone calls, and 13 sheets of paper+ink, that I might not get the job anyway. I try to make sure that my character might get me the job even if my bid was high.

The bank teller could have checked these notoriously often counterfeited and extremely dangerous $20 bills (sarcasm) and exchanged for a crisp Benji in less time than it took to say no. I realize he was probably following company policy, but that shouldn’t be the policy for a simple procedure. Nobody was asking for a farm/estate refinance plan.

Wells Fargo sucks. And when I overheard them discussing in the adjacent office the value of my home and how much they’d get for it and which realtor they’d use, when all I did was ask about a vehicle loan……I couldn’t leave fast enough. I called out loud to them that they were deranged and I’d be calling headquarters to file a complaint and closing my accounts the next day. Been at a small town credit union (where everybody knows my name) ever since.

How many times have you called a store or business to ask about a product and after speaking with a paid employee for minutes or longer, you decided to not purchase the item. But the business still payed the employee and provided that service.

How’s the bank liable to get a fake 20. Every bill is ran through a machine that validates them correct?

well said Pop!! WF is not a people place at all.. credit union here too..

That counterfeit currency comment is absolutely clowning

Common sense tells me I wouldn’t walk into a bank I don’t do business with to exchange cash. Why would you even do that? In addition, you think a teller that makes $15/hr is going to go above and beyond and/or gives one crap about gaining or losing customers?

I agree with one thing…WF does suck. Years ago they started routing my direct deposit to the wrong account. Their excuse was the guy had the same name as me..how in the hell does that happen? They couldn’t explain it so I closed my accounts that day.

I regularly get $20s from an ATM, when I go to my credit union or Wells Fargo
to get larger bills,
they have to log my account number, run the money through and the new bills get electronically dispensed. When I was a teller in the 90s, it was a 10 second process, but not anymore.

If it was already addressed and I missed it apologize… but I have a simple question. If you’re an affinity plus customer why didn’t you go to an affinity plus branch and avoid this nonsense? I can’t ever recall walking into any bank where I wasn’t a customer for any reason. The notion wouldn’t ever occur to me that they should provide any service to me.

dirtywater wrote:

If it was already addressed and I missed it apologize… but I have a simple question. If you’re an affinity plus customer why didn’t you go to an affinity plus branch and avoid this nonsense? I can’t ever recall walking into any bank where I wasn’t a customer for any reason. The notion wouldn’t ever occur to me that they should provide any service to me.

Affinity for me is 8 miles away thru traffic and a sudden change in plans had me scrambling to get this gift put together. I stopped at the first bank that was handy. That’s not the point.

This was a simplest of exchanges. Put 5 twenties in the drawer, take one hundred dollar bill out. Its a friggin bank. Cannot one expect a damned bank to make a simple exchange without one having to be a member? It wasn’t a loan. It wasn’t a deposit. It involved zero check cashing. I didn’t need 30 pounds of coins counted to get the five twenties. I needed nothing more than a C-note to put in a granddaughter’s Christmas stocking within an hour because her parent’s plans took a turn that could not be changed. If a grocery store’s service counter happily meets the needed exchange in a minute, after having to wait in line at a bank thinking customer service is available there for something this basic and being told I needed to have an account there, I guess my feeling is that the bank deserves any shortcomings it has set itself up for.

Had the need to get the currency exchanged remained as we intended, I’d have gone to Affinity this morning as was planned. It’s refreshing to know that there are those out there that NEVER have plans change and never needed to expect some common courtesy in a situation like this.

Jimmy Jones wrote:

<div class=”d4p-bbt-quote-title”>dirtywater wrote:</div>
If it was already addressed and I missed it apologize… but I have a simple question. If you’re an affinity plus customer why didn’t you go to an affinity plus branch and avoid this nonsense? I can’t ever recall walking into any bank where I wasn’t a customer for any reason. The notion wouldn’t ever occur to me that they should provide any service to me.

Affinity for me is 8 miles away thru traffic and a sudden change in plans had me scrambling to get this gift put together. I stopped at the first bank that was handy. That’s not the point.

This was a simplest of exchanges. Put 5 twenties in the drawer, take one hundred dollar bill out. Its a friggin bank. Cannot one expect a damned bank to make a simple exchange without one having to be a member? It wasn’t a loan. It wasn’t a deposit. It involved zero check cashing. I didn’t need 30 pounds of coins counted to get the five twenties. I needed nothing more than a C-note to put in a granddaughter’s Christmas stocking within an hour because her parent’s plans took a turn that could not be changed. If a grocery store’s service counter happily meets the needed exchange in a minute, after having to wait in line at a bank thinking customer service is available there for something this basic and being told I needed to have an account there, I guess my feeling is that the bank deserves any shortcomings it has set itself up for.

Had the need to get the currency exchanged remained as we intended, I’d have gone to Affinity this morning as was planned. It’s refreshing to know that there are those out there that NEVER have plans change and never needed to expect some common courtesy in a situation like this.

You’re making a mountain out of a molehill.

Im not here to argue, but this USED to be the simplest of exchanges. Times have changed. Govt involved, so many rules and regulations regarding money laundering and fraud that policies have changed. A gas station doesnt have to follow the bank secrecy act, currency transaction reports, etc, banks have just given a clear message to tellers to avoid criminal violations.

As a side note, there is a company in China that has a similar name to my employer, several times a year we get flagged for wire activity and people wont accept our funds or wire to us without us providing extra documentation. It can be a real hassle.

Venmo the $100 as a gift and avoid the cash altogether

I use to think why are people still getting mugged for $20 to $100 in a wallet.

Then my wife tells me people (mainly guys that are international looking or are stereotypical bikers) carry their paycheck or pay check plus in cash their wallet.

I can say stereotypical biker because my BIL is one right up to the $1500K in his wallet.

A lot of people have gone to online banking (example: SoFi). I tell my kids to have an account at the nearest or most convenient credit union for when they need it (coins, safety deposit box, some CDs or car loans – maybe…etc).

We refinanced our house online. Rather simple. We just met with a closing agent/notary on the final signatures.

Why not just give the kid 5 20’s? 100 bucks is 100 bucks?