Just an excuse to rip people off. Search "Wells Fargo" fines" to see a list of offences they've committed against their customers. I've had no choice but to deal with them when my father could no longer manage his accounts. Even with a Power of Attorney and a legal letter, WF refuses to acknowledge me "due to security measures". However, in the meantime, they allowed a hacker to get into his account and transfer out $15K! After, we were instructed to wait while they investigated the fraud. A couple weeks later, they said because we didn't "act" in time, they were closing the case and no longer took any accountability for the hack.Just stay as far away from this company as possible. They really should be shut down because the multi-billion dollar fines they've been given clearly are not working.