Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is stealing monies from my husbands account through the assessment erroneous fees based on their systematic XXXX discrimination tactics and how they have their systems programmed override and still assess {$35.00} fees to your account, although you make deposits within a XXXX period. We raised concerns before regarding their discriminatory and biased behavior towards XXXX XXXX and it was initially corrected after we raised concerns to CFPB in 2020. Now it appears that Wells Fargo is recommending the same evil and greed tactics they have utilized in times past. They are so taking advantage of many consumers that are XXXX XXXX post the major COVID-19 Pandemic. They are greed tactics only meant to decrease wealth in the XXXX XXXX and increase their pockets and their Shareholders wealth only! 

Each time their was a transaction that was purposefully held back by Wells Fargo from posting as a pending transaction, they would cause the account to look like it was insufficient, when in fact, the monies were deposited to bring it positive within a 24hr period. The stipulations that we received previously stated that as long as you bring your account positive within a 24hr period after it reflects a negative balance, you would not be assessed any fees. Wells Fargo, on the other hand has been manipulating their IT Systems and Application software to assess fees on minor charges and not allow XXXX XXXX Americans to bring the account current within 24 hr, although they know their has been major financial impact to Consumers due to COVID-19. My husband has also been patronized and demeaned via emails content submitted by various Wells Fargo Customer Service Reps when we reach out to raise concerns about {$35.00} fees that have been assessed on the account, although it was brought current within a 24-hr period. Recently, we sent at least 3 emails requesting the fees equating to well over {$300.00} to be reversed on various transactions which they either manipulated in the system to choose more than a day old to clear from pending transactions to ensure they can charge multiple {$35.00} fees on the account, although again, we brought the account current within 24-hrs. In many instances, we would receive an email notification in the morning and the account is brought current within the 24-hr period. However, they immediately hit the accounts with {$35.00} fees early afternoon hours without allowing a XXXX XXXX American consumer to bring the account current within 24hrs. They also charge {$35.00} fees for transaction less than {$10.00} which is also a blatant rip-off of wealth for XXXX XXXX Americans. 

Also, they have recently attempted to utilize deceptive business practices on a recent transaction when the account was brought current the same day, and they made it appear as if they charged the fee on the next day! Cunning and manipulative practices to make it appear as if one did not deposit funds within 24hrs! 

These system and operational processes are designed to systematically discriminate against XXXX XXXX Consumers and place us at a major disadvantage. How can we build wealth if it is constantly being stolen by major Banks, like Wells Fargo, who program their systems for greed and discrimination!