Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Complaint Regarding Excessive NSF Fees and Unfair Practices During XX/XX/year> Ice Storm To Whom It May Concern, I am submitting this complaint regarding my banking experience with Wells Fargo and the excessive non-sufficient funds ( NSF ) fees that were charged to my account during and after the XX/XX/year> ice storm in XXXX, Tennessee. I am a XXXX XXXX working in XXXX XXXX XXXX XXXX. My income is project-based and depends heavily on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the XX/XX/year> ice storm, the city of XXXX experienced a major shutdown. Over XXXX residents lost powersome for up to XXXX weeksand many businesses were forced to close. This disruption lasted well beyond the initial storm and affected income opportunities across the city for at least a month. As a direct result of this crisis, I incurred multiple NSF fees due to interrupted income and delayed payments. These were not the result of negligence, but of a citywide emergency that significantly impacted my ability to earn and maintain financial stability. To date, I have counted nine ( 9 ) NSF fees. While Wells Fargo reversed other fees, 11 charges from the ice storm until mid XXXX, they cited this as their maximum allowable per year was 2 and no relief under current policy. However, the remaining fees continue to place an ongoing financial burden on me. I am effectively paying down these fees as an additional bill, which has made it increasingly difficult to keep up with my other financial obligations. I will likely incur more after this complaint. What is especially concerning is that many of these NSF fees are higher than the transaction amounts themselves. This creates a cycle of hardship that feels disproportionate and exploitative, particularly during a time of crisis. I made multiple attempts to resolve this issue directly with Wells Fargo by filing complaints and speaking with representatives. Despite explaining the circumstances, the bank declined to recognize the ice storm as a qualifying hardship event and did not offer meaningful resolution. It is my belief that Wells Fargo failed to act in good faith during a known regional emergency. Their policies appear rigid and disconnected from real-world hardships, allowing them to continue profiting from customers during times of crisis. This has created what feels like a one-sided relationship, especially as a customer of over XXXX years. I respectfully request that this matter be reviewed and that appropriate action be taken. Specifically, I am seeking : A full review and reversal of the remaining NSF fees incurred during the XX/XX/year> ice storm period Consideration of policy changes that limit the number of NSF fees charged, particularly during emergencies Greater accountability from financial institutions in supporting customers during community-wide crises No customer should face repeated penalty fees during a disaster, especially when those fees exceed the original transaction amounts. A limit of one NSF fee in such circumstances would be far more reasonable and humane. Thank you for your time and attention to this matter. I appreciate your role in protecting consumers and ensuring fairness within the financial system. Sincerely, XXXX XXXXXXXX

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