Consumer complaint received 2019-08-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First off been with Wells Fargo since XX/XX/XXXX.Tried to close a account (XXXX) in XX/XX/XXXXWent into Wells Fargo Branch rep told me to come back next day or call because $XXXX Pending withdrawal.Called next day and Lady said cant close account because I transfered from another account even though account was positive.next day a NSF Fee for $XXXX  that was paid by wells fargo from XXXX XXXX XXXX.Late fees where then charged due to ISF and Returned checks.Paid some of the late fees and got XXXX account down to  $XXXX PLUS  and then opened anew account (XXXX) to have my 3 jobs direct deposit into.Old Account XXXX was closed with $XXXX or so owed.Wells Fargo Started taking funds out of new account (XXXX) without notice at end off day and sent payments coming out of my account back(XXXX) and charged me a late fee( total $XXXX   plus since XX/XX/XXXX) one of with is a IRS Installment agreement payment  i get every month.On XX/XX/XXXX I notice it again this time for $XXXX at end of day called right to set off they called it without warning.I called and they sent me to collections and I asked what is this for?He said you owe $XXXX, How would you like to pay?I said for what and you have taken out a total of $XXXX plus in Right to set off ( after I reviewed and added up all of them) since XXXX  at random causing me $XXXX plus in late fees on my New account XXXX.And he said oh yeah you owe $XXXX.I said im reporting them to XXXX, He said WHO? I said XXXX, he quickly took my name and address and but me on hold to transfer me to Executive branch .I waited 20 min on phone had to get back to work so hang up .The $ XXXX  was to cover payments for the XXXX and now my account is Neg -$XXXX and I will get to Late fee in mourning now.I called XX/XX/XXXX  and I got to Executive Branch ( spoke with XXXX) and he sent me to Collections saying nothing he can do.He Transferred me to XXXX( ID # XXXX) in Collections he thought i wanted to close my new account XXXX..I said no I have 3 jobs and they are all direct deposit to that account we are talking about the account you closed in XX/XX/XXXX XXXX that you are taking funds out of my new account XXXX for with out notice causing me Late fees and have took out over $XXXX so for on a account you you wouldnt close back in XXXX that had a Ending Balance of $XXXX or so dollars.He says well in the future call the people who are taking funds out of my account and let them no.The guy was clueless.I gave up.I have 3 Part-time jobs and have paid them over $XXXX in late fees since XXXX on new account XXXX due to there taking funds without notice and  and over $XXXX on old account XXXX   they wouldnt close after 3 attempts and $XXXX in Right to Set off with out notice on new account XXXX and he says i still own $XXXX. Im broke and this is not right so im filing a complaint.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