Wells Fargo Unauthorized Inquiry Shop

April 12, 2018 07:42PM

A MSC has shops where you can either call or visit the assigned branch about an unauthorized account being opened. Has anyone done one of these? I like WF shops but this one sound like it would get a lot of people in trouble and it would just be a flat out lie.

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April 12, 2018 10:33PM

I have done the phone shop. It’s super easy and pays well. Don’t most of our shops involve lying?

April 12, 2018 10:37PM

The MSC does not want you to be confrontational. You simply state that you don’t recall opening or closing an account. They should transfer you to a specific department. The purpose of the shop is to see if they are handling these situations correctly. That’s it.

April 12, 2018 10:39PM

But this is making an allegation that someone opened an account without my knowledge. To me, that is a whole different type of lying. In order to get more information on it, I have to actually accept the shop and I don't want to until I actually know what's in store. Could there be any repercussions?

April 12, 2018 10:42PM

I just acted like I was forgetful. The shop took me only a couple minutes. I talked to a scheduler from the MSC before I did this shop for clarification. Super easy! I just signed up for another.

April 12, 2018 10:47PM

Ok, thanks. I signed up, I'll give the MSC a call tomorrow just for clarification as well. Plus, I opened an account yesterday from that I actually do want to close. I guess it's a win-win.

April 14, 2018 03:46PM

Is this a shop for people who are not already existing customers of WF?

April 14, 2018 05:18PM

Its for people who are current customers or have closed an account within the last 6 months according to the guidelines.

April 15, 2018 07:13AM

I do not see what the problem with this shop is and why everyone is whining about it. They were actually caught doing that a year or so ago. It's too bad that they are actually considered a person but they can't be executed for any wrongdoing.

April 15, 2018 02:01PM

I see this shop as a problem and would not do it because I have active accounts with WF and would feel like a complete ahole saying I didn't authorize an account or better yet, don't remember opening it. They could easily see the activity on my account. I'll do the teller shops all day.

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April 16, 2018 07:22AM

My issue is that I actually bank with Wells Fargo and don't want to burn bridges or cause confusion. After AnneAshley's response I feel better about it and accepted the shop. If I just had to call a normal customer service agent, I wouldn't care but I have go call my actual bank and talk to someone there first. They already give me funny looks when I go in there to deposit secret shopping checks.

But After reading the instructions my banks shouldn't take a hit and it seems like a quick telephone shop.

@2stepps wrote:

I do not see what the problem with this shop is and why everyone is whining about it. They were actually caught doing that a year or so ago. It's too bad that they are actually considered a person but they can't be executed for any wrongdoing.

April 16, 2018 11:41AM

I signed up for one which I’ll probably do today. Last one I did, the associate transfered me to customer service instead of the Escalation Department. When I was transferred, I verified that it was not the ED and ended the call. It was a nicely bonused shop to which I got paid no problem. All you have to do is call and say you don’t remember giving permission to close a prior account. You don’t get argumentative. They are trained to direct such calls to the ED. You can also say you don’t recall giving permission to open an account. They should look up your info, and then you just nicely repeat that you don’t recall.... That’s all. Five minutes tops!

April 16, 2018 01:18PM

@a171989 wrote:

They already give me funny looks when I go in there to deposit secret shopping checks.

Why would you do that?

Edited 2 time(s). Last edit at 04/16/2018 01:19PM by SueGraftonFan.

April 16, 2018 01:47PM

Because there are a few companies that actual have Secret or Mystery in their company name so when I get a check, it says it. My account at Wells Fargo is for mystery shopping and is where my money for mystery shopping goes so they see a lot of odd amounts and strange names.

@SueGraftonFan wrote:

@a171989 wrote:

They already give me funny looks when I go in there to deposit secret shopping checks.

Why would you do that?

April 17, 2018 02:24AM

What I don't understand is: (1) why deposit in person instead of using an ATM or a mobile app, (2) why choose to shop a bank where you have your MS account, especially if the shop is the type that tends to invite scrutiny of your transactions.

April 17, 2018 06:16PM

Let me explain: (1) This is not my main bank account. I mystery shop, there's nothing they can do about it. They'll get over it. This is not where my actual paycheck from my 9-5 goes, its a side account. (2) Sometimes I just want the money in the account then. (3) It is what it is.

@SueGraftonFan wrote:

What I don't understand is: (1) why deposit in person instead of using an ATM or a mobile app, (2) why choose to shop a bank where you have your MS account, especially if the shop is the type that tends to invite scrutiny of your transactions.

April 17, 2018 06:20PM

@a171989 wrote:

Let me explain: (1) This is not my main bank account. I mystery shop, there's nothing they can do about it. They'll get over it. This is not where my actual paycheck from my 9-5 goes, its a side account. (2) Sometimes I just want the money in the account then. (3) It is what it is.

@SueGraftonFan wrote:

What I don't understand is: (1) why deposit in person instead of using an ATM or a mobile app, (2) why choose to shop a bank where you have your MS account, especially if the shop is the type that tends to invite scrutiny of your transactions.

I would suggest doing mobile deposits with your checks. It’s suoer easy to do if you have a smart phone.

April 17, 2018 09:33PM

I tried one time to do a mobile deposit and it didn't want to take the check so from then on I just go to one of the branches. Luckily most MSC pay by ACH or Paypal so it's something I don't run into often but the ones who pay by check have the audacity to have Secret or Mystery in their name.

BTW the shop was easy, took 2 minutes because the branch had no idea what to do and told me to call a 1-800 number. I talked to the MSC and they said I did my part so I'll still be paid.

April 17, 2018 11:19PM

I'm a card-carrying member of several travel hacking groups - when it comes to banks, there is a motto they have: "don't put eyeballs on it"...so easy to avoid this in a world of mobile and ATM banking. These hackers aren't doing anything wrong - so why invite unnecessary scrutiny? We live in a hyper-suspicious world.

Edited 1 time(s). Last edit at 04/17/2018 11:20PM by BarefootBliss.

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