To WELLS FARGO (and the banking institution):
Corporate Offices
Wells Fargo
420 Montgomery Street
San Francisco, CA 94104
To Whom It May Concern,
In this modern day-and-age, I recognize the insignificance of my single letter amidst the horde of email, spammers, robots, and junk mail. But I must speak.
The reason for my query is of complaint, one directed at the heart of banking. Because I am hardly even a customer to Wells Fargo, rather a single digit in a huge tabulation aimed at the bottom line, I know my complaint is doomed to have no effect what-so-ever. In fact, I can rest assured the greatest hope for this letter may be to entertain some of my very own low-wage, desk-sitting, computer-working, co-worker types. You know who I am, and btw, that cute one in the office, she slept with me (and never told her boyfriend) right after she told our jack-ass of a boss to shove it. I don't care if you believe me or not, haha! Maybe my style will earn a couple lols, or even an LOL.
My complaint is simple:
You charge people who have run out of money THIRTY FIVE DOLLARS every time you ALLOW them to use their check card in overdraft.
I want to reach the person whose job it is to say( when he/she is feeling consciencious: ), "Yup, that's what banks have always done - it's a big hassle to deal with juggling all that money, little loans essentially, and that's how Wells Fargo continues to handle it." ( and when he/she is feeling honest: ) "GadDAMN! we're making so much #&$^ing money off these idiot blue-collar slave-driven pleabians who refuse to learn how to 'manage their wealth'!!"
Or not? Is it possible your numbers are so big, you just don't realize that your fees are too high on the little people? Somehow I doubt it. When Queen Bitch Manager Lady will listen to me throw a 30 minute tantrum over of the phone and not budge a dollar, I have to think somebody put these numbers in place for a reason.
If you are that person, with that authority, I want YOU, sir, to stop for a few moments and seriously consider the moral consequences of charging such an exorbitant sum on...who is most likely to become overdrawn?...why....POOR PEOPLE, sir. People who already cannot afford life until their next paycheck.
The mechanisms exist for blocking a card - you seem to have no trouble blocking cards all the time for any number of reasons other than saving us from overdraft. Or even still, how about you make the fee relate to the size of the overdraft? or charge a flat fee for every 24 hour period the account is over-drawn? All I am really asking is that you make some gesture of consideration towards us --
What? Why, yes, I have "overdraft protection" - let's see, hmm, wait, an additional account, with additional fees and obligations, AND a $10 fee for an AUTOMATED TRANSFER OF MY OWN FUCKING MONEY?!! PER OVERDRAFT?? ASSHOLES!!! That's what I'm talking about. I so sick of being victimized this way, like I'm a fucking idiot to live and participate in my own society. It just sucks to not even feel pride for that which my own people built.
My point is, you set it up this way because you can, nobody can stop you, and it's a regular landslide of revenue. Yay, for your team, yay for the invention of cancer.
If you are one of those people who have any ability to affect the corporate consciousness in regard to this, you must either quit your job now, or begin to make reparations by whatever means available to you. Because as it stands, there are millions of afflicted energies who have wished you to Hell hundreds of times over for this negligence and greed. I am quite sure there is no peace in your life, no matter what you might tell yourself -- when the day comes you depart for that which doth come next, you may find nothing comes next and that this life of torment you just finished living was the only one you would ever have. That is going to be a very very sad day for you friend. I am begging you, DO SOMETHING NOW.
Sincerely in hope for YOU, sir,
Greg Connell
a "customer"
Wells Fargo
420 Montgomery Street
San Francisco, CA 94104
To Whom It May Concern,
In this modern day-and-age, I recognize the insignificance of my single letter amidst the horde of email, spammers, robots, and junk mail. But I must speak.
The reason for my query is of complaint, one directed at the heart of banking. Because I am hardly even a customer to Wells Fargo, rather a single digit in a huge tabulation aimed at the bottom line, I know my complaint is doomed to have no effect what-so-ever. In fact, I can rest assured the greatest hope for this letter may be to entertain some of my very own low-wage, desk-sitting, computer-working, co-worker types. You know who I am, and btw, that cute one in the office, she slept with me (and never told her boyfriend) right after she told our jack-ass of a boss to shove it. I don't care if you believe me or not, haha! Maybe my style will earn a couple lols, or even an LOL.
My complaint is simple:
You charge people who have run out of money THIRTY FIVE DOLLARS every time you ALLOW them to use their check card in overdraft.
I want to reach the person whose job it is to say( when he/she is feeling consciencious: ), "Yup, that's what banks have always done - it's a big hassle to deal with juggling all that money, little loans essentially, and that's how Wells Fargo continues to handle it." ( and when he/she is feeling honest: ) "GadDAMN! we're making so much #&$^ing money off these idiot blue-collar slave-driven pleabians who refuse to learn how to 'manage their wealth'!!"
Or not? Is it possible your numbers are so big, you just don't realize that your fees are too high on the little people? Somehow I doubt it. When Queen Bitch Manager Lady will listen to me throw a 30 minute tantrum over of the phone and not budge a dollar, I have to think somebody put these numbers in place for a reason.
If you are that person, with that authority, I want YOU, sir, to stop for a few moments and seriously consider the moral consequences of charging such an exorbitant sum on...who is most likely to become overdrawn?...why....POOR PEOPLE, sir. People who already cannot afford life until their next paycheck.
The mechanisms exist for blocking a card - you seem to have no trouble blocking cards all the time for any number of reasons other than saving us from overdraft. Or even still, how about you make the fee relate to the size of the overdraft? or charge a flat fee for every 24 hour period the account is over-drawn? All I am really asking is that you make some gesture of consideration towards us --
What? Why, yes, I have "overdraft protection" - let's see, hmm, wait, an additional account, with additional fees and obligations, AND a $10 fee for an AUTOMATED TRANSFER OF MY OWN FUCKING MONEY?!! PER OVERDRAFT?? ASSHOLES!!! That's what I'm talking about. I so sick of being victimized this way, like I'm a fucking idiot to live and participate in my own society. It just sucks to not even feel pride for that which my own people built.
My point is, you set it up this way because you can, nobody can stop you, and it's a regular landslide of revenue. Yay, for your team, yay for the invention of cancer.
If you are one of those people who have any ability to affect the corporate consciousness in regard to this, you must either quit your job now, or begin to make reparations by whatever means available to you. Because as it stands, there are millions of afflicted energies who have wished you to Hell hundreds of times over for this negligence and greed. I am quite sure there is no peace in your life, no matter what you might tell yourself -- when the day comes you depart for that which doth come next, you may find nothing comes next and that this life of torment you just finished living was the only one you would ever have. That is going to be a very very sad day for you friend. I am begging you, DO SOMETHING NOW.
Sincerely in hope for YOU, sir,
Greg Connell
a "customer"
posted by Just Greg at Thursday, March 25, 2010
1 Comments:
WOW!
You wouldn't believe what happened. I tried to send this letter to Wells Fargo, and I was blocked by their corporate firewall (it's almost as if there IS NO Wells Fargo as you climb higher and higher on the ladder, very strange) - you can talk all day to your branch manager who will talk about Corporate Policy, from whence and wherefore it came, nobody knows.
Anyway, so out of sheer, hopeless frustration, I post the letter here on my blog.
A month later, a WF representative calls me to inform me of a policy change, as now required by Federal Law: Unless a debit card-using customer specifically requests WF to continue to authorize transactions for which the funds do not exist (and suffer the consequent fees), the transaction will now be blocked instead of paid and penalized.
WOW!
I feel as if the universe responded directly to my gripe - WOW!!! WOW!!! WOW!!!
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