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Years ago, Wells Fargo taught me not to trust banks.

They told me with straight faces:

1. It is my fault for not noticing the FREQUENT CHANGES in the fine prints

2. Their system don't have any tracking info, so they can't tell who made the mistakes/changes

3. They'd only refund up to three months' worth of wrongly charged fees

I was convinced that they purposefully make "mistakes" to overcharge me. And they SHAMED ME for not checking the statements more closely.

https://www.wsj.com/articles/wells-fargo-reaches-3-7-billion-deal-with-regulators-over-consumer-banking-11671546132?st=0wijlxk70xvcnt8&reflink=desktopwebshare_permalink