Consumer complaint received 2016-07-15
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Once again I am writing about Wells Fargo and their process of " re-ordering '' transactions so they can maximize overdraft fees. I had scheduled XXXX payments to XXXX XXXX bank on XXXX/XXXX/16. XXXX was for {$25.00}, and XXXX for {$46.00}. On XXXX XXXX they were in the pending column and I had over {$800.00} in my account. More than enough to cover them! That evening, my landlord deposited my rent check for {$1400.00}. This was after the XXXX XXXX XXXX charges! I was charged for XXXX overdraft charges instead of just XXXX. The {$1400.00} check caused the overdraw, not the XXXX XXXX XXXX charges. This is not fair!! how do these people do their accounting! They do it to maximize the overdraft amounts they can take due to their process of " re-ordering '' payments. I called them about this and asked them to refund the charges. they would not. I told them I am always grateful, as they pay about 95 % of my overdraws, but when it is not warranted ( as in this case ) I do not want to pay overdraft fees. They would not help me because they said they have already returned fees to me. This bank has returned fees to me due to the fact that they should have not taken them! I often do not say a word to them when I feel the charge is warranted. These charges are not. I have complained to this agency before about them. Why is something not done? This is just another form of " high to low '' checking that they use to collect fees. 
A few weeks ago they charged me XXXX overdraft fees, and then {$12.00} to transfer money from my way to save account ( the transfer was for {$5.00}, and they charged {$12.00} for this!! ). I am sick of this type of thing. Since when does it cost a bank {$12.00} to transfer someones ' money??? I do n't even think they are allowed to charge more than XXXX fees in one day, so they waited till the next day to post the {$12.00} fee, even though the money transfer was on the same day as the XXXX overdraft fees. I want that {$12.00} returned to me, as well as the {$70.00} in overdraft fees that were unwarranted from XXXX/XXXX/16. I am a XXXX XXXX XXXX woman who is supporting her XXXX XXXX XXXX mother, and paying for a caregiver out of my own pocket!! That is why I overdraw! I have been with this bank for over 9 years. I do not like to overdraw, but sometimes it is a fact of life today. I do not complain to them when their fees are warranted, only when I feel they are unwarranted. 
Pls see below in Italics complaint from the internet about their re-ordering of transactions. 
" try not to have an overdraft but it happens. On a Friday I made XXXX debit transactions at store. On Sunday I made XXXX debit transaction. I was off my balance by - {$1.00} cents. Wells Fargo took the Sunday Debit as being the largest and paid it, but the for small Debit I did on Friday they hit me up as an overdraft for XXXX transaction. It 's a scam with this bank. I showed it to my Credit Union at work. Once I can get all my direct deposits transferred to the Credit Union, I will be leaving this bank after 35 years. They are just bad news and judging by the hundreds of bad reviews, it tells me the bank does not care and will continue to cheat its customers. '' This complaint was from XXXX/XXXX/16, and there were plenty more like this. 
Pls help with this, I really can not understand how they can do this. It 's so unfair. 
I also do not want to hear their mumbo jumbo about how they process transactions. It only makes sense to them so they can collect fees ' Pls help. I literally had to give them my whole paycheck this week due to their high fees.

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