Consumer complaint received 2017-04-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
****************** TO WELLS FARGO BANK ******************** I am respectfully requesting that all fees double and incorrectly ( {$35.00} Fee + {$12.00} Return Item charged at the same time for same reason ) charged on my Bank Accounts be waived. This is for both of my accounts checking and savings. I am not necessarily requesting that my account be re-opened or allowed to continue to use the Bank service, as I have already taken my business to your largest competitor and I am no longer in need of Wells Fargos services. <P/>I have previously requested a review/appeal of my case, which were denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that manipulating my account and charging me for non-fraudulent violation of Wells Fargos Acceptable Use Policy and Debit Card Agreement are excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Friday morning, XX/XX/XXXX if I am not satisfied with Wells Fargos response to this request to waive all fees incorrectly charged on my deposit accounts : ( Agencies in the states that I reside or have a business presence in ) The California Office of the Attorney General http : //ag.ca.govXXXX XXXX The Washington State Office of the Attorney General https : //fortress.wa.govXXXX The Florida Office of the Attorney General XXXX XXXX XXXX The Arizona Office of the Attorney General XXXX XXXX XXXXXXXXXXXX Additionally : The United States Federal Reserve http : //www.federalreserveconsumerhelp.gov/XXXX XXXX  The Better Business Bureau : https : //odr.bbb.org/XXXX All complaints will be filed online Friday morning XX/XX/XXXX and written copies will also be sent via certified postal mail. <P/>I understand Wells Fargos need for closing my account, but denying all my Open Claims and charging unnecessary fees on my account is unacceptable, also there have been closed claims temporary credit reversed from my checking account to my saving account. Ive been also charged for transferring available balance from my saving account to my checking account were they were opened and wrongfully posted deposits that were made in my saving accounts were reposted on my checking account preventing me from depositing my paycheck and continuing to use my own account.However a review of my account history for the last 5-year will reveal a very low claim rate as well misuse of my account. Ive been a Wells Fargo customer since XXXX, since where I first opened a college account in XXXX XXXX Nevada I havent misuse my Bank privileges or committed any kind of fraud. I feel that any reasonable person would conclude that closing my account, charging me fees, restricting me from using all features and being able to keep doing business with the Bank are excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. That being said I have no problem with, and agree to being charged the money used. <P/>Please be aware that replying with the standard this is part of the terms of service that you agreed to will not satisfy my request, or deter me from filing my complaints with the agencies listed above on the morning of Friday XX/XX/XXXX. It will be up to those agencies to determine if the Bank is operating within the law, abusing power, etc. I am simply seeking a resolution that is fair and in the best interest of both parties. <P/>Thank you for your time again in looking into this matter.

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