Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I had an issue with an outside entity where they claimed I was refunded to much money by my bank from them. The contacted the bank without my consent speaking with an associate in regard to the issue and requested information on my behalf on my account. The representative provided this entity my banking statement from my personal account without my written consent or being present. She emailed a copy of my statement to them and in which they forwarded the email with the attachment of the statement from the associate that provided it to them. When I made an official complaint to Wells Fargo through the necessary steps I in return received a letter from Wells Fargo stating that this was resolved on their part and were not going to be moving forward in any action. This was very invasive and with the breach of privacy and violation of my federal rights providing protected information to an outside entity without my written consent. Furthermore, Wells Fargo has continued to charge me overdraft fees after the transfer of my own funds that are available at the time between my shared savings/ checking with them. Im the event funds were not available the transaction would not be possible yet later for transfer of available funds from either my checking to savings or vice versa I would later be charged an overdraft fee. Ive complained of technological errors with the company for years now slowing processes causing issues such as fees being charged. The customer is never right in these situations and I continue to pay fee after fee because of the lack of response and errors that are not up to date and slow processes causing errors. Most recently I was charged a 35 overdraft fee for a transaction posted where I was given the extra day grace period put in place to satisfy funds. I then transferred funds from my Wells Fargo shared saving into my checking and deposited cash into the ATM ti satisfy the charge before I was to incur a fee in the alotted amount of time. I retained the receipt from the ATM that then showed the positive balance before the days end. The account was later assessed a 35over draft fee for this same transaction. I took my receipt into the bank during a consult with a banker, showed her the positive balance reflected on the receipt and date that the transaction took place in order to avoid having the fee charged within the alotted amount of time of the extra day grace period. The CSR then informed me she would not be allowed to reverse the fee associated with the transaction. We then submitted a formal complaint including the receipt reflecting the date the transaction took place and the positive balance in hopes to resolve the issue and to address the concerns once again with the issues with the technology causing to charge a fee.. I recieved notification from Wells Fargo that they would not be refunding the fee and no further action would be taken place and to consider the problem resolved. Needless to say I have been a customer for about 15 years, this is an ongoing problem where there should be no problem whatsoever when the physical evidence was provided yet according to Wells Fargo the computer was right because it said something different days later than the actual physical proof from their ATM at the bank location. I no longer feel my information is safe if that I am valued as a customer because my concerns get swept under the rug and the Bank is right even where and when I have proof, my rights have been violated with my financial information being offered to an outside entity and I no longer feel protected by a company that I have been loyal to and have given my business and referred other to for long 15 years I have offered my contributions. This is a serious matter that needs to be investigated so that people like myself or other younger naieve children wont be put in this position with someone that we are all suppose to be able to trust and claims to have promised that as consumers we are protected by Wells Fargo and that they can be trusted but instead they are ripping us off and leaving us to reap the aftermath of their blood sucking just so that they can profit and dont seem wrong or to conceal the evidence of the issue that continues to take place why we are XXXX of our funds which some dont have much of .. with issues such as this driving one into a deeper darker hole and causing more stress and anxiety leading to issues with mental, physical or emotional distress that could other wise be prevented if they would take proper and preventative action and care about the people who make their business possible and listen proactively and demonstrate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation