Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
Continued case no : XXXX Re-opening the complaint due to corruption in response by Wells Fargo - leading to closure of complaint without client satisfaction.

There was a case manager involved in the entirety of complaints as stated before. This female I presume has called more than once the first time stating she will be taking on the case; including listening to the calls.

1. I specifically requested written responses only, however the case manager called anyway more than once after said request. Harassment proved.

2. Said case manager was asked to not continue the last call made to the client as the client was expecting a very important phone call, however the case manager insisted they speak, revealing information the client would not be able to listen to due to the emotional distress the case manager had caused by forcing the client to listen to the call.

3. Case manager first stated that Wells Fargo absolutely does not give to their clients the summary of their complaints they made on the phone back to them in writing. However, the case manager offered to listen to them and try anyway. Speculated corruption regardless of whether this was courtesy of client or not. If this was courtesy and courtesy is accepted, Wells Fargo would have refunded all fees long ago out of sheer embarrassment for their harassment, misinformation and miscommunication to the client.

4. Although case manager claims to have listened to the calls providing the summary document in their response, they have yet to send the client an email with all the clients complaints made to Wells Fargo.

5. The summary document briefly describing the clients complaints could have easily been made up to the convenience of the bank, to show a trail of mistakes caused by the client.

6. One false statement and the most important through this entire complaint to Wells Fargo is the Standard overdraft coverage. Back in the hurricane Milton timeframe the client made it clear to XXXX XXXX that they could not talk on the phone as they were evacuating at that very moment in the car. ( Does not mention this anywhere in the summary of complaints given by case manager ) 7. In the responses given by Wells Fargo, the bank has an ECMO system to which evidently clients can not re-visit their responses for complaints they made. This alone is a risk to clients not having proof of what response was actually given. ( Eg. No6 ) 8. In the timeframe of the complaint during hurricane Milton, the client absolutely does not recall being told any information about or including the words Standard Overdraft Coverage.

9. Had the client been informed, they would have stopped Standard Overdraft Coverage back in XX/XX/XXXX so that overdrafts would not occur ever again despite this being the clients initial understanding when opening the bank account in the first place. 

10. The client recalls a telephone call with a member of Wells Fargo approximately XXXX XXXX timeframe where the client was outraged by yet another overdraft occurring and why this is continuing. The answer given included we have changed our policy recently regarding the Standard Overdraft Coverage. ( Case manager does not mention this either anywhere in the summary or ever with the client ) 11. If Wells Fargo knows that the client from opening the bank account has been expecting, requested, demanded and begged that no more overdrafts be taken, why hadnt Wells Fargo stopped the Standard Overdraft Coverage back when the first complaint was made? 

12. As of XX/XX/XXXX standard overdraft coverage was removed by a random team member of Wells Fargo, after the client called once again to complain about another overdraft being taken. After a year of complaints of overdrafts, suddenly the option becomes available. 

13. Since then ( XX/XX/XXXX ) the client has not seen any overdrafts occur. Why was this not offered back in XX/XX/XXXX by Executive Nate?

14. Client is appalled by the disregard of emotional distress Wells Fargo has caused, most recently being the phone call that was forced on the client by the case manager.

Fourteen points are made in this complaint and the client can continue, however, client strongly believes these are enough to be justified a measly return of {$110.00}.

Client wishes to be refunded the fees of monthly service for obvious reasons, most importantly being that the fee has caused the account to go into overdraft.

It is still astonishing how far a conglomerate bank will go to steal some pennies for corruption.

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