Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The problem started with my Wells Fargo primary checking account ending in XXXX back in XX/XX/XXXX whenthey give me a conditional credit of {$590.00} to my checking account ending in XXXX. 

Then in XX/XX/XXXX XXXX gave me a 2nd credit of {$590.00} which Wells Fargo was unaware. 

On an unrelated issue, Wells Fargo that giving me a credit of approximately {$9.00} and XXXX from HUD homes, which they are open a case on them because they wouldn't give me my money back so Wells Fargo gave me a provisional credit and said the case was closed. 

I inform Wells Fargo that I will never do business with that company again, however the first of XX/XX/XXXX Wells Fargo pays them XXXX for my new reissued Wells Fargo debit card, send me a text, and asked me to confirm that I authorize that charge, and I told them they know I didn't authorize that charge because I had to taste it was closed and they were told not to do business with them. 

So my question to Wells Fargo is why would you without my authorization, go into my account, and pay a merchant, I told you I would never do this with. 

And I told them I could not confirm that I authorized at the debit because I did not day violated my trust took money out of my account pay the merchant in immediately put it back in with the point was they was not supposed to touch my money without my approval I asked Wells Fargo just to admit that your Banker forgot to put a block on my new issued Wells Fargo debit card in the whole thing would be forgotten because we all make mistakes and I've been a long-time customer of them for 29 years. 

Wells Fargo in the supervisor banking refuse to admit their error so I found my first case with consumer finacial protection Bureau, I think it was XX/XX/XXXX this year. 

As a result of my complaint consumer protection Financial Bureau ask Wells Fargo to audit my account and that's when they discovered I had to credits of XXXX which they didn't know for 2 months and they only found out when I launch this Bank investigation. 

The Wells Fargo sent me a letter out in XXXX said on the XXXX of XXXX that deducted {$590.00} from my primary checking account in the in XXXX. 

I respectfully requested, that they allow me to have a payment plan where I can give them {$200.00} for 2 months and then XXXX on the third months because I'm heavily indebted and I told them that if they deducted XXXX for my account they would put me in a hardship situation and their response was our money and you owe us! 

So XXXX / XXXX / XXXX comes and goes and they did not deduct the money. So I thought maybe they would take it out on the first of XXXX and I had some issues with my cards that I had to pay {$500.00} to fix tail lights so I wouldn't get a ticket. 

And on XX/XX/XXXX / XXXX I paid my auto insurance company XXXX approximately {$440.00}, so them take a nap the money on a date that they didn't eat that I didn't agree for them to do it I called and told them you going to call a dump cause a demo no effect on my account because I've got a couple accounts coming out near the XXXX of the month and so I called the XXXX office and they assigned me a case XXXX name XXXX XXXX. 

So I sent XXXX m a copy of my bills for XXXX and XXXX with that break down from the XXXX to the XXXX of the month and XXXX to the end of the month along with all my deposits showing them that this XXXX is going to cause me to eventually be for figures in the hole. 

I told Wells Fargo XXXX XXXX it seems like they're upset with me because I discovered XXXX payments of XXXX which I told them I don't understand why you're upset you should be happy cuz I could have just kept the money and not said anything and you would have never known. 

I called my case XXXX XXXX XXXX to ask her to expedite this case because I can't wait XXXX work days for them to resolve this and I was told she has XXXX or XXXX days return my call which I called her on Tuesday this week of XXXX / XXXX / XXXX. 

As of today Friday XXXX / XXXX / XXXX to my account is overdrawn by {$260.00}, not for figures rent is due on the XXXX, and when I get my deposit from my job which is XXXX it won't be enough money for me to pay my forefinger rent and there's {$150.00} late fee if I don't pay it by the XXXX. 

I told Wells Fargo you know you guys may not be doing this but this is how you make me feel you make me feel like my attempt at showing you that you wasn't managing my account correctly made you angry when you thought that I would receive to XXXX credits but rather than thanking me for doing it you're punishing me for embarrassing you which I think is very unprofessional and it's probably against the law that you go in my account on the XXXX of XXXX and withdraw {$590.00} without giving me a chance to come up with a payment plan. 

As of today, XXXX / XXXX / XXXX my Wells Fargo primary checking account balance has a - {$260.00} deficit because they withdrew the {$590.00} and refused to negotiate a reasonable and affordable payment plan by me. 

So my resolution is that Consumer Financial Protection Bureau contact Wells Fargo and ask them to give me a payment plan, put the {$590.00} back in my account so that I won't get evicted lose my car I lose my job because if I can't pay my car payment and I can't pay my insurance they going to cancel my driver 's license and if I don't have a car I can't get to work so Wells Fargo is kind of end up making me homeless. 

Obviously I'm not a lawyer and I don't know banking laws but to me it should be a law against the bank of bullying that customer was trying to do the right thing and the fact that they won't work with me shows that they are really bullying me. 

My recommendation is that I put in writing that I would pay Wells Fargo {$200.00} a month that it come out around the XXXX or the XXXX of the month and then on the third month I pay him to XXXX so that this debt is paid in full while not causing me a financial hardship which I'm experiencing now and that XXXX is just the beginning because I have other automatic payment bills that's going to be coming out and I don't have the money to pay it because my next payday is going to be this Friday for approximately Friday the XXXX of XXXX and it would be approximately {$780.00} again all the bills I have due between XXXX and XXXX XXXX will not be paid and I have all of the ones I have with the automatic payments is going to cause an overdraft even worse overdraft. 

So please help me to get Wells Fargo Bank to stop bullying their customer and work with me instead. 

Obviously, I don't have enough money to get an attorney but I need someone to stop Wells Fargo because they're in there intending on not only calls me Financial hardships they're trying to ruin me and make me homeless. 

In an almond unrelieved retired XXXX XXXX veteran with over XXXX XXXX of XXXX XXXX service to our country and I think that's really unprofessional and probably legal that Wells Fargo with treat of that and their customer in this manner which the problem is really between Wells Fargo and XXXX because they need to talk to them and figure out why they can't stop them from charging customers account when they get issued a new debit card. 

And all this is happening to me because back and XXXX I think it was when Wells Fargo was after they refund my money from both from HUD homes they were supposed to put a block on my new car and if they did then it would have took the money out of XXXX but because they didn't put a block on there I got charged money from HUD homes without toll Wells Fargo I will never do business with and they won't admit that that's all they had to do to fix this problem with just talked with visa and put a block on my card and all this wouldn't be happening but they'd rather be earliest than they admit that they're wrong for retaliating against a long time customer of over 29 years Please expedite resolution of this problem because I'm Financial in the hardship and pretty soon I want the XXXX XXXX XXXX to get to work. 

Thank you!

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