Consumer complaint received 2019-09-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Basically Im filing late saying that with my account Ive been charged a lot of overdraft fees when Ive had money that was in my account I missing {$1300.00} from holding that they put on a check that was cleared but did not want to release it to me for another so many days pretty much to teach me a lesson that I cant have it until I learn how to manage my money better basically. From XX/XX/2019 two today XX/XX/XXXX my account has been screwed up royally they deduct a certain amount of balance and this is my available balance when really it isnt everything I do is like Tronic transferred I have no checks written Ive never been ordered and Ive never ordered any checks for my account Ive never been given temporary checks for my account but three which I used on two payday loans Company called XXXX check cashing place I have deposit one check that was for {$1500.00} which they put a hold on it for a very long time even when the funds were cleared and I was told they were clear but after that I deposited nothing but cash into my account but when the funds for finally available for me to use on the check that was being held which was XX/XX/XXXX when they released it to me the funds where I could use them {$1300.00} ended up missing from my account because for some reason. My account states this is my available balance after they deducted something if everything I do is like trying to transfer that should be what is available for me to pay my bills nothing pending nothing of any sort because Im the banks and it shows that its all trying to transfer and they approve it or dont approve it whether the funds are in there or not in there I do not have overdraft so if the funds are there they will approve it if theyre not there it is tonight should not matter on the other end of whether or not it takes establishment 40s the process and cash it or not they were proving that the funds are there and that is pre-much money spent but it doesnt work like that and thats how they end up getting nonsufficient funs getting into making their money because no one wants are you at if that states this is your available balance and XXXX I got money deducted off of it and thats without my available balance if I have the money in there to pay a certain bill you should pay it but if I dont have the money it should be denied but thats not the case Ive been charge so many XXXX times that they try to make it to where its my mistake and that theres its their system that does this not mind I filed a complaint against XXXX XXXX XXXX for doing the same thing and Im just fed up with it that up getting my money stolen from me for no reason I just want all my money back in my account from XXXX to XX/XX/XXXX. Weather I had things pill and paid for and cleared for things not cleared and returned I want everything returned back to my account everything oh my funds because their mistake I would never been charged overdraft fees never been charged any of this XXXX with some of my bills are paid or not paid I want all of my money back from this date now XX/XX/XXXX because I am tired of it the bank needs to take responsibility for their actions and them deceiving their customers and trying to trick them into making your them feel that theyre the ones making the mistake when were not Im not dumb I caught there little trick and and they need to take responsibility for their actions of being a deceitful financial business and doing fraudulent ask on other peoples account I just want all my money back I think that they took whether or not some of that some of my bills are paid my bills were paid I want it all back because its gon na be cheaper for them to do that in for me to get a lawyer and file a class action suit against Wells Fargo Im taking the next step up just need to make a right all of my cash deposits that I made for cash available nothing was on hold nothing was pending everything I do is a electronic transfer with my bank card with anybody that I deal with so nothing can get lost in the mail nothing can be delayed because of that because I dont have checks I dont write any of that XXXX everything is done electronically which they have instant knowledge of when a transaction happens. Please just make it right refund all my money from XXXX XXXX today XXXX XX/XX/XXXX or beyond me if I keep getting charged overdraft fees from my account make a good I wont close my account everything will be fine and will go on for business but they need to change there system software or something to wear what theyre stating bailable balance is actually true and not make something clear because theyre waiting for the other rent if they XXXX clear it that means it should go off to the side as already money spent in that account and the available balance that the show is whats being shown so that we can pay our bills correctly and not get charge with overdraft this should not be our Responsibility if or When the opposite establishment processes the bill that we paid. If we pay electronically theyre aware of it if, because Wells Fargo will approve it or not .theyre the ones that need to be responsible for it thats why we use banks is to hold our money. When XXXX is available balance on our statements and nothing pending and the bill was paid electronically it should be their responsibility like money spent already because thats how they show our available balance so Wells Fargo should directly put it aside like money spent if theyre giving us available balance every time but if its not available balance every time and they try to pull that oh its pending its this and thats not thats XXXX because if its done electronically that means on their end they already know that that money was paid towards a bill or pulled out of the ATM and used regardless theyre aware of it thats why they give us the balance of availability at the moment whether they use in process and never on the weekends but only during the week shouldnt matter because they know better they know what theyre doing and its shady as XXXX. No one would ever get charged nonsufficient fund fees or returned check fee if what they say is true about our account balances and whats available and not available No one ever challenges stuff like this cuss   they accept it as truth or fact that we make the mistakes all the time and thats not true Wells Fargo makes there money this way and have been doing it for a long time and Im tired of it and getting burned even if what I deposit is peanuts to them there still my peanuts just make it right Wells Fargo thank you.

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 monetary relief