Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In 2018 I opened well fargo checking account. Two accounts were opened and upon learning of my second account and the bogus charges associated with it, I called immediately and closed the account, ordered a new debit card and In this particular occasion, Wells fargo actually apologized and moved swiftly and correctly to fix my problem. The last couple of years are different. I am on XXXX XXXX  XXXX. I have direct deposit into my Wells Fargo account. And I'm always being charged ridiculous. Overdraft fees sometimes overdrawing my account 2 to {$300.00} and making it so that I have this 2 or {$300.00} overdraft. But I have to pay just to be able to get my direct deposit.. Most of the time these 2 to {$300.00} overdraft aren't even my fault. They are due to double charges, fraudulent charges, or unfair overdraft fees. I've disputed all the ones that I have evidence about and if I call to discuss anything most of the time it ends up with me crying and hanging up the phone. The people are extremely rude and inconsiderate and act like I'm lying just trying to get free money. I get hardly over a XXXX dollars a month. It's like not even enough & I often go without basic essentials. I dont need The tiny bit I do have taken from me because of unaffair overdraft fees associated with fraudulent double charges. When I make a purchase and I have a certain amount on my balance. And it's taken right then and there. They should not get to come back in a day or 2 or in an hour and charge me again for the same thing. If my money 's missing and doesn't reflect in my balance, that means they took it. It doesn't mean pending. It's gone and I can't use it. It's Not fair, even if you try to be careful with your budget and add up carefully what you spend, its futile. I spend the same amount every month on the same things There was at least 6 months in a row where I had to pay 2 to {$300.00} out of my direct deposit immediately. Just to be able to use my account. Why couldn't they have given me credit for that? Instead of always overdrafting me and they could have given me some points in my credit history or worked out. Some kind of deal, I mean, obviously I'm borrowing and paying back faithfully every month but no. My fico score is like XXXX it's because of them. I have receipts. I have bank statements of my 2 different bank. Accouit 's and this most recent fiasco is what prompted me to make this complaint. And it's because of XXXX right now. I'm missing about XXXX dollars, and I've been hungry for 3 days. I don't even see on my bank statement at all. Where my XXXX purchase is purchase is but I do have an email for it being made and canceled like 3 times by the store. Just know a record of it on my end with my bank. So I'm going to contact XXXX which I've already done 3 times and got no answer. I contacted my bank last week about a different matter for {$25.00} and end it up in tears. And so I have an open dispute regarding a charge with that at the moment I wish that I could just have somebody go through and look at my double charges. Look at how much I've been paying and get me back all these unfair overdraft fees and all the money that's been taken from me cause XXXX 's add up and I have nothing I should not be hungry i want my money back. I can prove what I'm saying and I'm gon na stop now because I'm getting emotional. Somebody please help me. I'm XXXX I have enough going on. I shouldn't have to worry about my own bank taking my money. I should be able to trust them.

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