I used to bank with them up until last year...I received so many phone calls, constantly declined credit and debit cards for no reason. It actually got embarrassing, I moved on to USAA. WF would call me all the time about refi and opening up new accounts when I already had 4. Needless to say I was sick of them. I don't know how many times my cards were declined when my wife and I were out to eat, embarrassment 10 fold. I remember trying to buy an IPad at Circuit City, it was so bad I called them ahead of time on big purchases, 500 or more in which I called them right before I went into Circuit City. They declined it anyways when there was more than enough money in the account that was to be used. I had finally lost my cool with them and just lost it on them in the store on the phone and had to go outside. Hell they declined a 200 dollar purchase at Big Lots from my wife and I had to drive down there with cash. I hope they go under, I hate that banking franchise.