Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In the two days since I filed my previous complaint against Wells Fargo, they have attempted to absolve themselves of guilt and responsibility by falsifying new evidence. 

This falsification amounts to processing two charges by XXXX that were NOT authorized by XXXX but put through my account as Pending. 

XXXX then improperly assessed an overdraft fee which remained after those two charges were dropped. 

Almost a week later, after filing a complaint with you for the improper overdraft few- they NOW have processed those original two charges, never approved by XXXX -!! which XXXX will attest to. 

Putting through those two charges of {$180.00}. XXXX {$190.00}. XXXX Creating a NEGATIVE BALANCE IN MY ACCOUNT of {$370.00} -- -- -- Detailed explanation : As you know, two attempts were made to purchase XXXXXXXX XXXX  Neither transaction went through but both were debited against my XXXX debit. 

Those charges were always Pending and could never have cleared. 

In that time, Wells Fargo assessed an overdraft fee for a payment previously made because the two pending transactions created a negative balance. 

WF is not allowed to assess fees for Pending transactions. 

The two XXXX charges eventually dropped off but WF refused to remove the overdraft fee. 

I reported them to the Consumer Protection Financial Bureau and I emailed them stating that their activity had been reported. 

In response, they created a false statement that both of those XXXX charges cleared my account and were paid to you. 

I have asked XXXX XXXX, an executive at XXXX XXXX, for a written letter, stating that those two charges made through XXXX were never successfully processed and that they never received payment for them. 

This is not new behavior for Wells Fargo. 
In the past, I won a settlement against them for reordering my deposits and charges so that the withdrawal were seen to come before the deposits, artificially creating an overdraft. 

Fortunately, I had screenshots that proved they had reordered them after the fact. I believe they were also subject to a class action suit in another state for the same behavior. 

Please help me hold WF accountable for its ongoing criminal and corrupt behavior. 

This Wells Fargo direct deposit account and Visa Debit account is my account for XXXX XXXXXXXX payments. 

After twenty years as a professional health educator and patient advocate, I was forced to retire early on XXXX XXXXXXXX. 

In the forwarded emails below, you can see their attempt to create this new falsehood. 

Hello, In the few hours that it took to report additional misdeeds on the part of Wells Fargo, things have gone from bad to worse. 

In an attempt to cover their misdeeds - Wells Fargo has NOW processed those two transactions from XXXX so they can now claim that the overdraft fee was justified but my screenshots prove that this was processed after the fact. 

{$180.00}. XXXX {$190.00}. XXXX Creating a NEGATIVE BALANCE IN MY ACCOUNT of {$370.00} Can WF get any lower - any sneakier?

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