Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As an American with faith in our financial system I chose Wells Fargo as my second chance bank in an environment that slaughter the Wells Fargo identity.
<P/>
Unfortunately, the news reports about Wells Fargo continue to be true after the claim of several millions in investments to repair problems with consumer protection.
<P/>
I was notified the bank would be changing my savings account to a checking account on XX/XX/XXXX. I already had a checking account with Wells Fargo and assuming the notification was in my best interest I moved all funds to my checking account.
<P/>
None of my auto pay setups from my checking account were transferred and in early XXXX I began questioning charges from XXXX XXXX XXXX of XXXX. The company had overcharged my account several times even with the assertion that my checking accounts had overdraft protection.
<P/>
The dispute with XXXX led to a refund of over {$1000.00}. This was not a settlement but proof to my trusted bank that XXXX was allowed to override the supposed overdraft protection and subsequently sent my account into negative for more than {$1200.00} including overdraft fees from the bank.
<P/>
When I voiced my concerns to Wells Fargo in late XXXX I lost all access to online services and received several statements in the mail that did not reflect the activity I was concerned about at the time. I am XXXX and XXXX. I hoped to use retirement funds deposited into Wells Fargo to allow whatever is left of my life to help others.
<P/>
Last Friday before a medical appointment I stopped by the downtown branch in XXXX, Mississippi and requested and received the statements I needed to show there had been activity on the account long after I requested it be closed. Wells Fargo sent the account to collections bearing a different amount.
<P/>
The statements I received do not show why there was a change in the amount but the charge off reflects nearly a {$1000.00} difference from the credit company now hounding me for the overdrafts.
<P/>
Nearly {$14000.00} dwindled to a - {$1200.00} balance with little to no interaction with the bank about how this occurred or how to stop it. I spoke with a bank manager from XXXX today who is still refusing to put words in writing about this incident. I was XXXX  and XXXX XXXX at my temporary residence recently. I have informed Wells Fargo of the danger of ignoring this problem as I struggle for life.
<P/> XXXX XXXX and XXXX XXXX of the downtown XXXX location have refused to communicate a resolution or understanding of what happen in writing at this point. I have been offered phone conversations but as you read this I hope anyone is aware written communication for a problem as large as this is absolutely necessary.
<P/>
Wells Fargo has the ability to pay big money to shut me up. I am broke because I gave all my money to Wells Fargo.

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