Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
Dear Sir, I am writing to formally escalate an issue that has been ongoing for nearly XXXX year regarding repeated overdraft fees assessed on my account despite multiple requests to Wells Fargo to disable overdraft authorization on my account. 

Timeline of the Issue Since XX/XX/XXXX, Wells Fargo has continued to post overdraft fees on my account for multiple small transactions, recurring payments, and subscription charges. These fees have accumulated every month for nearly a year, even though I clearly requested earlier that : XXXX XXXX  No transactions should be authorized if my account balance reaches XXXX dollars. 

Do NOT allow overdraft under any circumstance. 
Block all payments instead of charging overdraft fees.

Unfortunately, this request was never implemented, and my grievance was not recorded, resulting in dozens of overdraft charges. 



Recent Phone Call Experience ( XX/XX/XXXX ) Todays experience was extremely disappointing, and I believe it warrants an internal quality review : First Call XXXX XXXX XXXX I waited until XXXX XXXX  for a representative. 
When I explained the ongoing issue and referenced my previous complaints, the XXXX unexpectedly disconnected the call in the middle of the conversation. 
This was disrespectful and unprofessional, especially for a long-time Wells Fargo customer . 

Second Call XXXX XXXX XXXX I was connected to a representative and then escalated to XXXX XXXX XXXX. 
He acknowledged future overdraft charges would not occur. 
However, he refused to reverse ANY of the overdraft fees, despite the fact that these charges continued only because my prior opt-out request was ignored. 

This does not reflect the service quality that Wells Fargo promises its customers. 

Overdraft Fees Posted ( Summary ) Below is a non-exhaustive list of the overdraft fees charged across many months, including dates and merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Recurring charges from XXXX, XXXX, XXXX, XXXX XXXX, and others each resulting in overdraft fees This pattern has continued despite my clear instructions to stop authorizing these transactions. 

My Request for Resolution Given the above : I kindly request the following : Full reimbursement of all overdraft fees charged since XX/XX/XXXX These fees accumulated only because the bank failed to implement my opt-out request, and because recurring transactions were authorized without sufficient funds. 

Written confirmation that my account is permanently opted-out of all overdraft authorizations No transactionrecurring or otherwiseshould be allowed when my balance is XXXX. 

A review of the call handling incident on XX/XX/XXXX No customer should have their call disconnected by a XXXX when raising a valid complaint. 

My Relationship with Wells Fargo I have been a long-standing Wells Fargo customer and have consistently trusted the bank with my financial needs. This experience has caused unnecessary stress, repeated financial penalties, and significant time spent resolving the issue. 

I believe Wells Fargo will take corrective action to resolve this matter fairly and professionally. 

I request a written response confirming : Investigation of my grievance Full reversal of overdraft fees Confirmation that overdraft authorization has been permanently XXXX Assurance that future transactions will be declined instead of overdrafting Review of the call-handling issue Thank you for your immediate attention. I look forward to a prompt resolution.

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 monetary relief