Wells Fargo Bank, DORSEY EAST POINT BRANCH

Negative experience with RO
Overall Rating
Office Environment & Staff
Other Services
by MichaelaG, Oct. 16, 2019

I have had the worst banking experience in my life yesterday, at the East Point, GA branch.

I have a WF personal checking account and an insurance company sent me a refund check for my business name. I had closed my business account in December and was now required to open a new one.

I met with RO, who looked at my llc paperwork and asked for my EIN. I told him that I'm doing everything through my SSN. He said that I needed an EIN. I told him that I'm the only member and a single-member-llc is a disregarded entity by the IRS

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For federal income tax purposes, a single-member LLC classified as a disregarded entity generally must use the owner's social security number (SSN) or employer identification number (EIN) for all information returns and reporting related to income tax. For example, if a disregarded entity LLC that is owned by an individual is required to provide a Form W-9, Request for Taxpayer Identification Number (TIN) and Certification, the W-9 should provide the owner’s SSN or EIN, not the LLC’s EIN.

Longer version here.  https://www.irs.gov/businesses/small-businesses-self-employed/single-member-limited-liability-companies
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He told me that I was wrong. I asked him to call his superior so that they can clarify it for him. He said that he didn't need to ask anyone, because he knew. I told him that he was obviously not educated on the subject and he walked out and got 2 other guys to stand in his office and tell me that I didn't know what I was talking about and tried to intimidate me to leave.

This was absolutely ridiculous behavior. How can you have people working in a customer service capacity that don't know the rules and have too fragile an ego to try to ask someone else to make sure about the situation?

He never even bothered looking at my checking account, which had a substantial amount in it - so, I clearly wasn't trying to scam them for a $ 500 check. Maybe it's because I'm a woman, maybe it's because I'm white. Who knows. Bottom line is that they were wrong and weren't willing to even entertain that possibility and treated me with huge disrespect.

Fortunately, when I had calmed down, I called the Moreland Ave branch and spoke to Mr. AC, who was educated enough to know that I was correct and he helped me open the account, so that I could deposit the check.



* this reviewer has be with this bank for 3 - 10 years
* this reviewer had 3 - 5 banks before.
* this review was made on Wells Fargo Bank, Dorsey East Point Branch at Atlanta, GA
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