Consumer complaint received 2021-06-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I hope all is well, I just want to start off by writing thank you very much for allowing me to bank with Wells Fargo I appreciate it very much. The reason why Im writing is because I took over draft protection of my checking account to avoid over draft fees because when I was XXXX  it was XXXX  me out to the point I made my doctors aware my XXXX  and my XXXX  as well as my XXXX  because when I get upset or XXXX  it leads to XXXX XXXX XXXX ). I also had XXXX XXXX  back to back before my daughter. I decided to remove it to avoid calling your executive office/department regarding the fees because sometimes it was my fault but most of the time it was a bank error just like now. When I notice I had a over draft fee on my account on XX/XX/21 called your executive office/department I spoke to 3 ppl that day and one even hung up on me. I got very very upset and had sXXXX XXXX XXXX  and XXXX caused by this. Because I took the over draft protection off to avoid all of this, they advised me that they still paid my XXXX because they have something else in place that I was not even aware of. What was the point of me taken off the overdraft protection if a fee still occurs? It makes no sense at all. I have there names written down who I spoke with they were extremely rude with no empathy. I advised that I dont over draft anymore and I moved most of my things over to XXXX XXXX to avoid even dealing with this exact issue and removed over draft protection but here I am again extremely XXXX and XXXX  it seems like yall are doing this on purpose because its not on my account over draft protection I took it off I dont know whats so hard to understand that to the executive department so how do I have control of my account if yall can charge me fees either way. Thats wrong, very wrong. Not right at all. I have a XXXX  and a XXXX year old and its an pandemic I dont have an extra {$35.00} just laying around especially if I took the protection off like why are yall doing this. A man from your executive department called me he was rude as well I dont know why he called XXXX me out more if he was not gon na help me? I have his name written down as well, the reason why I dont have there names in my hand to give to you because Im in the bed and Im extremely tired and my XXXX  are even XXXX  because I have a XXXX, XXXX, XXXX year old and other responsibilities. I really dont appreciate it yall keep doing this especially after I removed the over draft especially during a pandemic. I dont need this XXXX  I do appreciate banking with you thats why I took it off and was doing great avoid fees and over drafting all together and I do most my business with XXXX XXXX because there customer service is better with more understanding. I love banking with yall but can yall please please stop doing this and give me my {$35.00} fee back. Im so tired of going through this its XXXX  me bad. I shouldnt even have to write this letter at all how was I supposed to know even though I took of the over draft protection yall could still change me a over draft fee? It makes no sense and this is very very wrong especially to someone that trys to do there best with XXXX, XXXX, XXXX, and XXXX XXXX XXXX. I apologize I accidentally selected the wrong account when I was paying my XXXX I meant to select XXXX XXXX  but I didnt think yall would let it go through so I didnt think I had nothing to worry about but I was wrong. I apologize this is not my fault especially I was not aware it could still go through at all and I told the 3 executive representative and the executive man that called me. Instead of understanding they made it all worst. Thank you for your time. Can you please take me fee off, I did not know this could happen I apologize but it was not my fault. Have a wonderful day and please be safe. 

XXXX 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