Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
From XXXX to XXXX 2016 I had several problems with my employer 's payroll company, XXXX, in where my payroll was deposited late thus causing my auto payments to overdraft at times ( my supervisor and I have supporting documentation to back this up ). In XXXX 2016, my payroll was not deposited again and I had a few NSF for some auto-payments ( see exhibit A ). Instead of contacting me or charging me XXXX NSF per day, Wells Fargo kept hitting my account with one NSF fee after another. To better manage my income and to avoid half my payroll check to go directly to Wells Fargo to cover their fees, I opened a new checking account with my local credit union and asked payroll to send my payroll funds there. I was XXXX months pregnant during this time ( it was winter too ) with XXXX teenage girls in the house that I needed to take to school and feed. Overall, Wells Fargo paid XXXX auto payments to XXXX creditors for a total of {$180.00} and I was charged {$350.00} ( XXXX NSF fees ) = totaling {$530.00}. I have never denied that I do not owe Wells Fargo money but I just did n't agree on the amount I was being charged. Soon after Wells Fargo kept the remaining {$110.00} left in my savings account and applied it to the {$530.00} lowering my balance to {$420.00} and closed my accounts and sent me to collections. I recently contacted the collection company and they recommend I talk to bank and dispute the balance amount. The purpose of this was to negotiate a lower NSF/bank fees on this account. I did n't mind paying a few fees on top of what Wells paid my creditors but {$350.00} for XXXX charges totaling only {$180.00} seemed excessive. Most of the NSF fees were greater than what my auto payment was ( pay {$35.00} for a {$9.00} XXXX fee!? ) XXXX XXXX XXXX I spoke to XXXX from Wells Fargo Overdraft Recovery Dept and explained my situation and he said the best the bank can do is waive {$100.00} from the NSF fees and pay. It is not like I went on a shopping spree and spent my money carelessly or went to the mall, these were ALL autopayments set up a year in advance to pay all my credit card bills. All my income is set to pay all my creditors every month and I live check to check basically but that is how I protect my credit. I just do not have an extra few XXXX dollars sitting around to pay a bank that has not shown they really care about their " smaller '' customer as myself. I work as a XXXX in a XXXX and have XXXX kids, including XXXX high school XXXX that has so many expenses this year ( XXXX ). I offered to the collection company and Wells Fargo {$180.00} + XXXX NSF fees of {$100.00} = {$290.00} and reminded them they already collected {$110.00} from my old savings account making my settlement offer $ {$170.00} but they refused. Please help me as I just can not pay them everything they are asking for. 


XXXX XXXX {$25.00} autopay XXXX Credit Card Charged {$35.00} NSF fee XXXX XXXX {$62.00} autopay XXXX 's Credit Card Charged {$35.00} NSF fee XXXX XXXX {$9.00} autopay XXXX membership Charged {$35.00} NSF fee XXXX XXXX {$27.00} autopay XXXX XXXX Credit Card Charged {$35.00} NSF fee XXXX XXXX {$39.00} autopay XXXX membership Charged {$35.00} NSF fee XXXX XXXX {$25.00} autopay XXXX XXXX Buy Credit Card Charged {$35.00} NSF fee XXXX XXXX * {$110.00} autopay XXXX Credit Card *Charged {$35.00} NSF fee * this payment was rejected but I was still charged {$35.00} NSF fee XXXX XXXX * {$25.00} autopay XXXX XXXX Credit Card *Charged {$35.00} NSF fee * this payment was rejected but I was still charged {$35.00} NSF fee XXXX XXXX * {$25.00} autopay XXXX XXXX Credit Card *Charged {$35.00} NSF fee * this payment was rejected but I was still charged {$35.00} NSF fee XXXX XXXX * {$25.00} autopay XXXX Credit Card *Charged {$35.00} NSF fee * this payment was rejected but I was still charged {$35.00} NSF fee

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