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    Wells Fargo Bank

    1.3 (3 reviews)
    Closed 9:30 am - 4:00 pm

    Services - Wells Fargo Bank

    Personal banking

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    2 years ago

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    America First Credit Union - Outside building

    America First Credit Union

    (1 review)

    *Update - I spoke with the VP of Credit and as I said at the bottom, she was a very good listener…read more She took a look at the app and determined that yes, it lacked some basic features that she thought were reasonable to expect, she removed two of the late marks from my report, and has spoke with the developer about making some changes. The third one she said she looked into it and the company did in fact do quite a bit of due diligence by way of phone calls and letters sent and so she couldn't use the app as a reason to delete that one. I thought that was fair. Very happy to hear this. Should bump my score back up pretty significantly. As soon as it does I'll be right back in there to expand my HELOC. Thank you, Susan for your assistance. I can now safely say that AFCU cares about their customers. Highly recommend. I have a HELOC with AFCU. Right after closing I downloaded their mobile app to help me manage my account. Unfortunately it lacks some very basic features that I've come to expect from financial management applications that have caused me quite a bit of trouble. For example: when you get a HELOC with AFCU you also have to open a checking or savings account. This is actually kind of nice because you can simply transfer funds from your HELOC account into your checking or savings account, and then turn right around and pay your monthly HELOC bill with those exact same funds. However, when you do this, as I have done, the app offers almost no indication that a "payment" has been made. It never even uses the word payment, anywhere. Ever. Nothing that says "Your payment of X has been received. You now owe X for the month of X. Your next payment of X will be due on X." No, the only indication that you've made a payment of any kind is that the due date changes. Also, if you're late on a payment (which I just recently learned I was THREE TIMES, apparently) it does not tell you. Even if you are multiple months past due it doesn't tell you. The minimum payment amount is the only amount due--you can't see the total amount due, so you just have to guess where you're at. It doesn't show you a past due amount, it doesn't tell you what fees you were charged for being late--anything. Again, the only thing that gives you any indication that anything has changed in any way is the due date. The amount due remains constant whether you're on-time or several months late. I've since learned to use this due date as my one and only guide to knowing the status of my account, but before I was able to figure that out, as I stated above, I had apparently already been over 30 days late three separate times (I learned about this, ironically, when I went in to inquire about increasing my HELOC and checked my credit while I was sitting there discussing the rates with a loan officer). Here's where it gets frustrating: They apparently don't care. I wrote their credit department an extremely polite letter explaining the situation and they replied with a canned email about how unless there was an error on their part, there was nothing they could do for me. I explained that I understood and even agreed with that position, and I believed that, if they were interested in helping me, the problems I just described with their mobile app COULD be reasonably interpreted as, if not an error, then at the very least, an oversight that directly contributed to me not making my payments on time, and I believed they could use that as justification for removing the late payments. To my surprise, rather than giving me the benefit of the doubt and granting my request, they doubled down and become oddly defensive. They insisted that since the app shows the due date, that should have been sufficient and there was nothing they could do for me. When the first person I spoke with shut me down so abruptly, I asked to speak with her direct report to see if she could help. When she shut me down, I asked to speak with hers. She shut me down too. I'm now waiting to hear from their Vice President of Credit but based on the way I've been treated thus far I'm not very hopeful. *update* spoke with their VP. She hasn't assured me yet that she'll reverse the previous decisions but I felt she was actually a very good listener and we had a very good conversation. She said she's going to take a look at the app and get back to me shortly.

    Wells Fargo Bank - banks - Updated July 2026

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