Consumer complaint received 2015-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX around XXXX XXXX I called Wells Fargo Bank where I have my business and personal accounts and asked them what I need to do in order to avoid an overdraft fee for being $ -XXXX dollars overdrawn. I spoke to XXXX representatives at different times during the day to confirm what the first representative adviced me. Both representatives adviced me to make a transferr from my other account ( which had about {$4800.00} ) before XXXX XXXX pst which is the cut off time to avoid the fees. At that momment I got a credit of {$22.00} for an unknown debit transaction so I just transferred {$41.00} to make my account to positive. At XXXX pm pst on the same day XXXX XXXX 2015 I made a {$420.00} deposit into the account that was originally $ -XXXX overdrawn. Throughout the day I checked my account online periodically and I was still in the positive. Once I made my {$420.00} deposit I felt confident that I would'nt get any fees charged. On XXXX XXXX 2015 I checked my account around XXXX a.m pst and saw that I got hit with XXXX overdraft fees of {$35.00}. I already tried to avoid this on XXXX XXXX that 's why I called Wells Fargo for advice on my accounts. I called Wells Fargo on XXXX XXXX 2015 and I told them I did exactly what they told me the day before in order to avoid the fees. The representative on the phone said He never saw my account being overdrawn on XXXX XXXX 2015 and what I see on the screen is not the same as what the representatives see. I told him then there is no way Wells Fargo can help me if we are not seeing the same thing. I was on the phone for 1 hr and 20 minutes becuase what I was explaining to him did not match what he had on the screen. During that time I asked for a supervisor twice. The supervisor was not willing to take my call. I was asking Wells Fargo t reverse all the fees incurred on XXXX XXXX, 2015 based on the information they erroneously provided to me. At first the gentleman said that the system will allow him to reverse half of the fees back. I told him I was not happy with that and I asked to speak to the supervisor again. He placed me on hold and said the supervisor was willing to reverse XXXX of the fees back to my account. I then told the representative that if Wells Fargo is not willing to give me all the fees back that I incurred based on the information I was provided by them I would file a complaint regarding the instructions I was given in order to avoid the fees and I ended the phone call with out a resolution to this matter and I was on the phone for too long. Twenty minutes later I checked the account to look for atleast XXXX of the reversals as the representative told me and instead of seeing the reversal fees I get assessed with XXXX more for XXXX other different transactions ( {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} ) but that morning ( XXXX XXXX 2015 ) around XXXX XXXX pst all of these transactions were debited from my account and left me a balance of {$36.00} so I transferred {$250.00} to cover any new transactions. Around XXXX am pst is when I saw XXXX overdraft fees assessed for these transactions ( {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} ). I took a picture of the screen showing I was {$36.00} in the positive after these transactions went through and twenty minutes later I incurred {$140.00} in fees for these transactions. If I was {$36.00} in the positive after {$40.00}, {$40.00}, {$40.00}, {$25.00} & {$160.00} being debited from my account and doing the transferr of {$250.00} I see no logical reason why my account should get charged all these fees. There is payroll I have to cover on XX/XX/XXXX and all of these erroneous fees and misleading information are causing an inconvinience. Why is Wells Fargo system charging fees differently. I am asking for all of the fees incurred to be reversed back to my account. Also I have nothing in writting explaining how fees are charged on my account so that I can better understand.

Company response to consumer: Closed with explanation