<prompt> Human: As of right now, I have an incredible opinion of Wells Fargo. Ive been with them for years, and to date I have not been charged a single, solitary fee. Their customer service, particularly regarding contesting charges, waiving fees, and fraud prevention, has been bar none, though Ive only worked with American Express a couple times before and it was always horrific. Ive had 0 APR for years, and they even surprised me by getting me my FICO credit report via their mobile app, monthly, and for free. Yet, despite my experience, Wells Fargo is constantly rated one of the worst banks consumersIs any of this possibly because I was grandfathered in after Wachovia was purchased? I remember a family member saying that if I wasnt grandfathered in, I wouldnt get such a fee-less experience, but I dunno.Im also living with my parents, though I do own my own account entirely, so I might be missing the worst of it. For now. Will it get bad once I buy a house? Or once Im married? What is Wells Fargo known to handle terribly or screw their customers over on that I might run into?Thanks to anyone who can shed some light on this.  <response>: People overdraft then get mad at the banks for charging them fees. 