Finally found the BEST bank
I was at US Bank for MANY, many years up until a bit more then a year ago. I stayed with them for so long because of there name; total patriot here. Anyway, US Bank got slowly worse and worse, first there debit cards were poorly made which forced me to request a replacement at least four times in one year. Then US Bank locked me out of my account simply because I stayed for two days at a Holiday Inn just five miles from my address AND I was told rather forcefully that I had NO options to reduce or cancel the security fraud settings. Then there branch drive through ATM’s were falling apart making me find and travel to other branches. And other problems as well. I have had NO problems since moving to Wells Fargo… ATM’s are TOP of the Line, much better design. Branches are spotless and almost no lines 99 percent of the time. AND… tellers make a special effort to be EXTRA friendly. It means a LOT when employees are SUPER friendly. There app works flawlessly. I have NOT had ONE single problem since switching to Wells Fargo and I HIGHLY recommend Wells Fargo to everyone that uses banks for their financial transactions. (Smile)
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Making me jump thru too many hoops just to pay my realtor rent on Zelle!
Way too many verification just to make a payment on Zelle. First it was at least 5 different verifications to enter my credentials and texted codes just to set up the Wells Fargo app & Zelle that’s already integrated. Still it put a block on my rent payment to this realtor who will only use Zelle for convenience. So I called the bank rep at least twice and had to go to an ATM for another verification, and now my payment is still being held for review even though I’ve already explained the situation twice over the phone to the bank reps. This is too much overkill for security. And there’s no grace period for my rent when it’s due on the first of the month. Didn’t expect such delay from Wells Fargo after I spent 5 hours to set up their mobile app, Zelle, and went thru so many verification steps and my voice as my password confirmations. New tech was supposed to make life easier and convenient & not make things harder. The realtor & other tenants have Chase bank I guess, they all say it was such a breeze to pay rent that way, but not for me! Wells Fargo wasted my entire Sunday afternoon and evening when I could be helping my 78 yrs old disabled post stroke bi-polar 40 years diabetic mother! Frack the stupid AI & programmer who came up with this over-redundant security program that Wells Fargo uses for their own customer! F F F them!
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Response from developer
Hi, Henry. It's disheartening to read about your experience with Zelle. I want to make sure that your concerns are reviewed by the appropriate team. Please email us with details (phone number, link to this public comment and your reviewer name) at appstorefeedback@wellsfargo.com. Do not share anything private when emailing us, such as account numbers. -Klarissa
Transactions Delayed Appearance and Lack of Auto-Pay Communication
Love their credit card, but the app can be annoying to deal with at times.
While I love that payments made to the credit card are applied and deducted from balance immediately, transactions made using the card are not as quick to appear. I will get a notification a charge was made, but it can often take days for it to appear on my recent transactions list (other cards show it as pending immediately).
While the app does have an Auto-Pay feature, it does not allow you to customize when the auto payment can be made. It forces the payment to be made on the exact day payment is due which makes me nervous. It also does not give you an email or notification saying the payment is set and will be taking place. I ended up manually entering a payment because it didn’t tell me the payment was deducted until the day after the due date, so I ended up double-paying my balance. I didn’t want to take the chance of a missed payment dinging my credit score, but this was very frustrating. I know I probably have nothing to worry about, but I don’t like to take chances with stuff like this.
While I love that payments made to the credit card are applied and deducted from balance immediately, transactions made using the card are not as quick to appear. I will get a notification a charge was made, but it can often take days for it to appear on my recent transactions list (other cards show it as pending immediately).
While the app does have an Auto-Pay feature, it does not allow you to customize when the auto payment can be made. It forces the payment to be made on the exact day payment is due which makes me nervous. It also does not give you an email or notification saying the payment is set and will be taking place. I ended up manually entering a payment because it didn’t tell me the payment was deducted until the day after the due date, so I ended up double-paying my balance. I didn’t want to take the chance of a missed payment dinging my credit score, but this was very frustrating. I know I probably have nothing to worry about, but I don’t like to take chances with stuff like this.
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Response from developer
We're sorry to hear that and would like to try and help. Please email us with details (phone number, link to this public comment and your reviewer name) at appstorefeedback@wellsfargo.com. Do not share anything private when emailing us, such as account numbers. -Roger