Consumer complaint received 2021-05-19
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello, Wells Fargo on XX/XX/XXXX withdrawn {$800.00} out of my Checking account without my consent. When I reached out to them for clarification as I have always done, a Wells Fargo representative informed me that back in XX/XX/XXXX, before receiving my stimulus check, they credited me that amount to give me access to receiving my stimulus check early. On my statement, they have " REVERSAL OF TEMPORARY CREDIT PROVIDED FOR NEGATIVE BALANCE PRIOR STIMULUS PAYMENT ''. I asked whether this met my approval, and they informed me that it does not have to meet my approval before doing that but this act of exploiting customers is only done by Wells Fargo and targeted at certain people banking with them. I informed Wells Fargo that I did not see the reflection of temporary credit in my account and why is it that wasn't taken off when my stimulus check was in my account? I also ask them if I ever consented to such a transaction and they informed me that I needed not to consent to it. It was an automated transaction. I told them that I don't need a 3rd party deciding on my banking situation or finances without my consent. They stated that this transaction does not need my consent. In a nutshell, I'm asking this body to please tell Wells Fargo to return my funds to my account. Their withdrawal of my funds has now created many overdraft fees for me on bills that are due to be paid. This is not Wells Fargo 's first or second time exploiting money intentionally from out of my account. Back in XXXX and XXXX, I had to make calls to them on withdrawal that came out of my account by them. They apologized to me and returned my funds. As I planned to close my accounts with them next week, I'm asking your institution to please investigate this matter and have them returned my funds. I worked so hard for my money and when I need it, it should be there for me. I did not receive a letter from them regarding temporary credits on my account and I do not appreciate them deciding on my finances without my consent. Why will a banking institution gives you money if they have no intention to steal from you? If they claimed that my account was negative and needed money so why did they withdraw money from my account and causing the same negative balances for me? I'm frustrated and traumatized by their actions toward me and I need help addressing this matter because it will not go unnoticed. I worked so hard for my money and don't deserve to be robbed of it by a banking institution, continuously. I've emailed them on XX/XX/XXXX and requested to talk to their compliant department but the representative told me that I can not talk to anyone and they are close. I look forward to hearing back from you. Thanks. 
My name is XXXX XXXX

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