Consumer complaint received 2025-09-26 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:
To whom it may concern : I have been a Wells Fargo customer since XXXX. Within the past XXXX  days I have never experienced the mental/emotional harm, financial harm, and extreme financial hardship that this institution has caused me. I am on a very fixed income and monitor my account closely through Wells Fargo online mobile app. On XX/XX/XXXX I noticed that my account was compromised along with other merchants. I had to change passwords to many accounts and merchants. On XX/XX/XXXX and XX/XX/XXXX I called Wells Fargo to report the activity on my account with card ending in XXXX. They filed a claim, closed my card and mailed me another card. I had to beg for a provisional credit reversal for charges. Before the new card ending in XXXX was in hand I had multiple charges on my account that I did not authorize as I hadnt even activated the card. This led my account to spiral into overdraft after overdraft. I then called the bank and explained that there were transactions on my account with my new card that I didnt activate or give to any merchant. As the days past more and more overdrafts occurred. I disputed the transactions and overdrafts but this led to such financial harm that I couldnt pay my rent and received a XXXX notice from my apartment complex. In XXXX, a " XXXX eviction notice '' is a legal document a landlord provides to a tenant who has failed to pay rent, giving them XXXX days to either pay the full amount owed or vacate the property. I have been a resident at my apartment for XXXX  years coming XX/XX/XXXX and have never been late on rent which my apartment will agree. My apartment manager worked with me and waived the {$150.00} late fee. I was able to get financial assistance through a program called XXXX XXXX XXXX that helped with my rent. If I did not receive assistance I would be facing eviction. My mental health has suffered as I have shared this with my doctor as this has caused significant financial injury. After more and more transactions continued I called Wells Fargo again and they sent me a new card ending in XXXX making this the second card. When I received the card I activated it and tried to make a cash deposit in the ATM on a XXXX  XX/XX/XXXX but I was unable due to the pin being changed by Wells Fargo. I tried to fix it on the app but it said to contact Wells Fargo. I called Wells Fargo and was told that the pin would come separate in the mail. I explained that I never received a pin and then I was told that it was never sent as they mishandled the debit card replacement and they would mail me XXXX which would be another XXXX business days. The following day XXXX  morning XX/XX/XXXX I went to my local branch and made a {$100.00} deposit and told the teller that I was waiting for my pin in the mail and couldnt use the ATM. She appeared shocked when I explained the situation she told me that I could enter my card and create a pin instantly. I did create my pin and she asked me if I would like her to file a complaint. I said sure and thanked her. The pin came after the teller filed a complaint after I already changed it in the branch. Over the span of XXXX  days I have experienced severe emotional distress and hours of communication, disputes, and complaints with Wells Fargo. I had my final straw on XX/XX/XXXX when Wells Fargo debited {$80.00} from my account leaving my account in the negative once again. I just received {$49.00} from XXXX  Department of Revenue Child support and they took everything. I called Wells Fargo yet again on XX/XX/XXXX and asked what was going on as I needed those funds for groceries. I was passed around between the claims department and the customer service department and was told that the bank made an error and did duplicate dispute claims. I informed that that is a bank issue and if that were the case the funds should be deducted at a time that my account would not once again be negative. I offered XX/XX/XXXX for the funds to be deducted as I receive XXXX every XXXX of the month. I was told that this was not possible. I had no choice but to go to the grocery store for {$20.00} groceries on XX/XX/XXXX and embrace for another overdraft charge. Currently my account is negative {$42.00}. In the past this institution has put down courtesy reimbursements for merchant errors in order to avoid any courtesy reversal. On XX/XX/XXXX I requested that Wells Fargo listen to all of my calls from XXXX XX/XX/XXXX, Reimburse me the {$520.00} in overdraft fees since XXXX of XXXX, and resolve within XXXX business days as I would be contacting the Consumer Financial Protection Bureau .

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