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Looking to switch from Wells Fargo and seeking general advice on which bank would be better suited for me; I am a recently graduated 21 year old female and am starting my first “big girl” job this week. Want to open a checking and savings account.

Literally had the worst experience in Pune after coming to the city only 3 weeks ago. This gonna be long, so please feel free to skip.
I went for a movie with my friend to Amanora mall, Hadapsar today and decided to eat from a restaurant after. I got a bike from one of my relatives for 2 weeks who left to his hometown. So with the high ratings, we went there, and surprisingly it was a small one. We decided to eat from there and parked the bike infront of the bank nearby. After eating we were shocked to see someone has took our vehicle. IT WAS GONE. We’re from Kerala and know only a bit of hindi. We immediately went to the restaurant owner and he responded the traffic police might have taken it and told us to go there. We called an auto and went and the police told the vehicles would arrive in 30 min and it would cost around 500. We we were literally panicking since this was all new to us and the frigging language constraints.
After some time we saw our bike coming in a tow truck and the police persons told us to they’ve no part in this and told to deal with them. We had our license and they asked for the papers which was actually with my relative. Somehow we managed and they told we could pay 800 in cash and leave. We asked for online payment, he refused and told if it’s online payment, it would be 1300. So we immediately ran to find any atms nearby and took around 20 min to find one. Atlast he told us to leave. Then i saw another girl coming up with the same issue and i found they’re obv scamming without any bill receipts or any proper legal license to collect the money. I decided to take a picture of the guy and in the third click he happened to see me clicking. He got tensed and furious and immediately ran to me. I got a bit anxious too since I didn’t know what to say at the moment(language). I immediately deleted the files and removed it from recently deleted too but he was all furious to chain up my bike and told we would only get it if my relative comes with proper documents. I wouldn’t have cared if it was my bike and at that point, i even went to bow down to that fucker cos my friend, she started crying helplessly. That was one of the worst feelings i had ever. We showed our balance and we had to pay 1400 and somehow escaped that shithole. Last week, i lost my valuable crocs- the first gift I’ve received since i was 10. So the question is, is pune this much of a shitty place to live in? Is everyone here this corrupt? Pathetic. Helpless.

Let me start by saying I do not claim this to be perfect or spot on. Definitely looking for different ideas and POV. But, here we go:
I saw a post from 3 years ago that touched on this but in a vague way. No real references to exact cases, patterns, etc. With some minor research I think I may have found a pattern, at least from the last 3 to 4 years.
-JANUARY + FEBRUARY 2020- Missing 70 Year Old Woman's body found along Susquehanna River https://www.pressconnects.com/story/news/public-safety/2020/02/25/missing-binghamton-woman-susan-wayman-body-found-susquehanna-rive4868132002/
-APRIL +MAY 2020- BU Professor Dominic Davy goes missing and is found dead by the Susquehanna River in Endicott: https://www.pressconnects.com/story/news/local/2020/05/19/dominic-davy
-EARLY JUNE 2022- Women's body found in creek bed by Ross Park: https://wnbf.com/womans-body-found-creek-binghamton-home/
-LATE JUNE 2022- Woman's body found by Rock Bottom Dam in the Susquehanna https://wnbf.com/body-found-near-binghamtons-rockbottom-dam/
-MAY 2023- Woman's body found on South Bank of the Susquehanna River by the Walking Bridge: https://wnbf.com/woman-body-found-binghamton-susquehanna-rive
PATTERNS:

• All but the first victims are female (unknown reason for possible change of victims gender)
• All along bodies of water (all but one along the Susquehanna, 3 within the same few mile radius
• All either go missing and/or are found within the first half of the year. Only one is outside the same 3 month window

Long story short: about to be installing my fifth oil filter housing assembly in eight months.
The Jeep: 2016 RHD JK with 100k+ miles, used for mail delivery that I've owned for four years. Using Mobil 1 5W-20 High Mileage Synthetic before the new engine which has had whatever Mopar oil the dealership put in. Also, I do use a torque wrench to tighten the filter to 18 ft. lbs. at every oil change, which I've been doing around every 3,000 miles because of the intense use.
I came home one day in October 2022 and noticed something that caught my eye on the garage floor underneath my Jeep. I looked and there was oil running underneath my Jeep on the backside of the oil pan and along where the inspection plugs are at on the bell housing, and had the transmission pan covered. I looked in the engine bay and I could tell the valve cover gaskets were wet (this will become somewhat relevant later). I checked the dipstick and noticed I was down a half-quart of oil. I got in touch with a local shop that has a good rep within my small community and the mechanic said it wasn't my valve covers, that I had an oil filter housing leak that was just running along the valve cover. I wanted him to do the work because I wasn't super-eager about reassembling the intake and I needed new spark plugs anyways (this will also come back later), so that overlaps well enough. It took him a month to get around to it, I drove my backup a lot in the meantime, and the bill for spark plugs and the oil filter ended up being $660. That's how I got Oil Filter Housing #2.
But the Jeep kept leaking oil.
I took it back to the local mechanic the next chance I got, a couple of weeks later. He said he'd look at it that day, I guess he did, and assured me it was probably old oil that was still stuck along the way. I was skeptical; after probably fifty hours of use, any old oil should have run off or burned off a bit ago. The Jeep keeps on leaking oil, even after I do an oil change. I take it back and the local mechanic pours some dye in and tells me to come back in a day and he will look and see if it's still leaking fresh oil. Local mechanic finds that it is and he reinstalls the oil filter housing, free of charge to me.
We had a wet and icy winter in the central US that kept the garage floor and the bell housing and the transmission pan cleaned off so I didn't notice a lot of oil getting on the floor but I did have to keep the Jeep topped off, losing a quart about every 1500 miles. I'm figuring that's not super unusual for a Pentastar with 100k+ on the clock and I'm busy and don't have time to have the Jeep laid up in the weather that I bought it for. When spring comes around I start to notice the leak again. At this point I'm starting to suspect a rear main seal more than oil filter housing but the inspection holes are still dry.
One weekend in March, I did an oil change on a Sunday afternoon. The next day (Monday, the perfect day of the week for this to happen), I'm heading out to load my Jeep and I notice a gigantic puddle of something underneath my Jeep. It looks to me like the front crankshaft seal just pissed itself. I feel the puddle and the liquid is slick, like oil. It's also barely above 32F outside, and all the liquid I can see is running underneath the crankshaft pulley. Oil stick still looks OK though. I panic drive the Jeep back home and get it in the garage, put a mat under it, get my backup and do my route. I try to get a local shop (the one I went to before or any others within ten miles, which is about as far as I estimate it can go) to see if they can get my Jeep in but they refuse to take it because they are too busy. I call a Jeep dealership a couple of towns over that has a good reputation (as opposed to the one a town over, but owned by the same company, that doesn't) and have it towed there. I tell them about the immediate problem and the oil leak I've been having. The service advisor, who I have to say is one of the better ones I've ever worked with on anything, calls me back and tell me that it wasn't the crank seal, it was the water pump. They also noticed I had some rocker arms going bad. I tell them that I had noticed that too (I had always heard that Jeep dealerships wouldn't look at rockers until a check engine light came on otherwise I'd have taken care of this a year or two ago) and that they would replace those. The oil leak looked to be coming out of the oil filter housing and the valve covers (the same thing I thought six months ago). To skip ahead through a couple of phone calls, the rockers on the left bank of the Pentastar were also bad and a cam over there was damaged. I could have all of that repaired for $5300 or just install a reman engine + the oil filter housing for around $8k, which would include a three year, 100k mile parts & labor warranty. After thinking about what else could continue going wrong, I ended up telling them to put a reman in. I get over to the dealership to pick up my Jeep after it's all said and done and the SA says "Oh, we had to put new spark plugs in, the old ones were junk and weren't really for that vehicle." My opinion of the trusted local mechanic really has gone downhill but I'm thrilled to have all of their bullshit behind me. That's the story of how I got Oil Filter Housing #3.
Things are going fine with the Jeep, not hearing any crazy noises, but it does occur to me to check the oil after about 1,000 miles. I check and it's about a half-quart low. My eyebrows are raised but I think, "well maybe the dealership only put 5.5 quarts in." I top it off with some Mobil 1 I had around, and continue on as normal. After about 2600 miles on the new motor, I decide to check it again and the oil level is barely registering on the dipstick. I look underneath the Jeep and the back of the pan and the bell housing are all covered with oil again (nothing's on the transmission pan, curiously enough). I look up top and I can see oil coming out below where the filter is (which I haven't even touched on this engine). I top off the Jeep (with Mobil 1 again, which I thought about but that didn't make the Jeep oil level low to start with), call the dealership, and they conclude that it is oil filter housing and they replace the oil filter housing and change the oil, all under warranty and it didn't cost me a dime. That's Oil Filter Housing #4.
I got my Jeep back Wednesday of last week. Besides driving it home, I drove my backup vehicle on Thursday and drove the Jeep on the route on Friday & Saturday (yesterday). There's an empty church parking lot I usually stop at and re-sort and reorganize my parcels in. I decided to have a peek underneath just to check things out and sure enough, right on the bottom side of the bell housing once again. I'm going to be calling the dealership back first chance I get this week, so I guess this will be Oil Filter Housing #5.
So that's the full background.
My question is, are there any other causes for this besides just coincidentally bad workmanship spread across multiple mechanics and companies, or have Mopar parts quality just gotten this bad? Is there anything I can bring up to the Jeep SA that might be making these oil filter housing assemblies fail? I'm completely out of ideas here.

The other day I went to DTLA and Santa Monica and parked along the meters. Both were $2 per hour. Today I checked my bank statement and saw I got charged $10 and $5 by LADOT and $1.25 to the city of Santa Monica. I know it’s not a lot but I don’t understand why the charges are that high considering I paid only for an hour at both meters?

I'm asking for stories of credit cards thag are bad to work with. Using the negative feedback to figure out the next card to get. This is for another person as they are having no luck with cards. Either poor apps or being mucked around. Not interested in good rates or cashback just a card that can be used.
So far MS credit card had a poor app. Couldnt see purchase on the card hard to pay off.
Lloyds, banking app on main page not showing when the bill is due. Miss labling purchases as cash withdrawal. One a holiday voucher from a website and the other a car parking ticket at the machine.

Current cards:
US Bank AR
Amazon Visa (not a Prime member)
Wells Fargo Autograph
Citi DC (oldest account, ~10 years)
Amex Delta Platinum
​
Annual credit card spend $30-40k.
15-20% restaurants, bars, breweries, cafes
15-20% groceries
15-20% travel (including flights, hotels, ride share, public transit, etc.)
15% Amazon
The rest is miscellaneous -- stuff, entertainment, medical, etc. I probably take about 3-4 round trip Delta flights per year. Have always been able to use my companion pass for >AF value. Could consider downgrading to gold (the free checked bag and Main 1 boarding are nice), but I figure as long as I keep getting the companion pass value from it, no real reason to ditch it?
I was thinking I should use the USBAR as much as possible if mobile pay is an option, then park the Amazon Visa on my Amazon account (since no mobile wallet options and can get stable 3% there). In an ideal world, I'd not even use the other 3 cards -- I probably don't lose that much value even if no mobile pay option, as the USBAR should still get about 1.5% rewards vs. 2-3% that the CDC or WFA could gain? Given how common Apple Pay is now, that seems like a pretty infrequent occurrence and I feel like I could justify the occasional small loss for convenience sake.
My partner suggested just cancelling the USBAR given the fee, but I feel like I make it up with my annual spend and the infinite insurances are nice to have for some added peace of mind. Would you ditch it?
Wondering if anyone has other thoughts on how to optimize this setup? Would ideally like to use no more than 3 regularly (even better if it's just 2).

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Never in my life have I thought I’d open an account with Wells Fargo, but I did to take advantage of their $2500 Premier checking offer. I had to open the account in branch, and it was surprisingly smooth and pleasant. It also seems like the Premier checking account is almost fee-free (wire transfer, ATM withdrawal, etc.) other than the monthly maintenance fee, which is avoidable. I’m linking my new WellsTrade account to it to invest the money instead of parking it in the checking account.
Two questions:
1) Is it safe to invest with Wells Fargo/WellsTrade?
The internet isn’t very fond of WF in general, but I’m mainly interested in the financial health of the company. I know it’s one of the largest banks in the country, but people were even worried about Fidelity/Vanguard/Charles Schwab, so…
2) Is WMPXX safe to invest in?
It’s a prime MMF owned/managed by Allspring/WF. I appreciate that its yield, 5.19%, is even higher than Vanguard’s or Fidelity’s MMFs, but am I risking my money with it? I see that it’s an institutional fund and the assets it holds are huge. Just concerned due to the lack of info—just like WellsTrade.
Any insights are appreciated!
*Cross-posted.