Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Here is a basic history of the issue I sent to a bank representative whom submitted a complaint on my behalf : Hey XXXX, Thank you and your XXXX for your time and consideration today. I tried to forward the last correspondence I had from the XXXX XXXX, but the system would not allow me to forward to my personal address. Below is the copied message : Wells Fargo case number : XXXX Dear XXXX XXXX : Thank you for contacting us. We completed our research and are providing details to address your concerns. We sincerely apologize for any inconvenience caused by the lack of updates regarding your case. What you need to know Upon reviewing your previous case, we would like to confirm that there were XXXX outbound call attempts made ; however, our records indicate that these calls were not successfully connected, as no answer was received on our end. We regret any confusion this may have caused, especially regarding your experience of receiving calls without anyone on the line. We understand the importance of clear and timely communication, and we appreciate your preference to receive updates in writing. For your reference, we will be attaching a copy of our previous response dated XX/XX/XXXX, which provides additional details regarding your case. While we realize the information provided may not reduce your frustrations, we hope this correspondence helps to clarify our actions about this matter. We strive to provide exceptional service and were sorry we didnt meet that expectation in this instance. Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. How to contact us We appreciate the time and effort you took to contact us. If you have questions, you may reach us at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls from individuals with hearing or speech XXXX. This includes calls facilitated by a trusted third party, such as a family member, so long as the customer is present and actively participating in the entire communication. If there is an attachment to this email and you can not read it, please contact us. Sincerely, XXXX XXXX. XXXX Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have also attached the document referenced by XXXX XXXX- which is the initial decision resent to me from back on XX/XX/XXXX. Here is the information you requested : - Initial Complaint Case XXXX : XXXX - XXXX case number above is from my XXXX escalation, I believe. Brief overview of experience : - opened both checking and savings accounts back in XXXX and requested they be linked to avoid minimum balance fees - at some point my XXXX account was transitioned to a XXXX checking account which exempts me from minimum balances I believe. I'm not sure the date of the transition from XXXX to XXXX. - about a month ago I noticed minimum balance fees had been charged to my platinum savings account for years. - I called the Wells Fargo XXXX. He admitted it was a bank error, credited me back XXXX months of fees, but said I would need to escalate to recapture the balance. Case XXXX XXXX : - I escalated my complaint for further review. - I received XXXX calls from Wells Fargo- the first call I answered and no one was on the phone - the XXXX call rang once then hung up and I wasn't able to answer I soon thereafter received their response saying they could only credit XXXX months per company policy ( unless it was a bank error ) and the case was closed. Case XXXX XXXX : - I called back to speak with the representative. He wasn't available but I was able to speak with someone on his behalf. - I explained my situation : - accounts should have been linked as I requested when I opened the accounts in XXXX. - told her I received XXXX calls from XXXX XXXX escalation - neither of which were connected. - I requested an email correspondence for Case XXXX since the phone calls were not connecting properly in XXXX XXXX. - I also told the representative I needed to speak with someone, and to not close the case until I was able to actually speak with someone. - She told me no problem to both requests. Not only did I not receive a phone call or an email regarding XXXX XXXX, XXXX XXXX simply echoed the first decision from XXXX XXXX. She didn't take anything I said to the rep into consideration, and to be honest, made me feel as though I am not an important client of Wells Fargo on any level. This was really disappointing. I've been a customer of Wells Fargo since this back when it was XXXX. I have had a mortgage with you all, and still have a prime checking account, business account, credit cards, and a platinum savings account. I don't want to leave this institution, but the lack of consideration from the call center representative have put a bad taste in my mouth. At the end of the day, the monthly fees were a bank error. The initial customer service representative even admitted it on the phone. I should have never been charged these monthly fees in the first place, and need them credited in full back to my account as soon as possible. XXXX, thank you again for your time and consideration. My complaint above has nothing to do with you or your colleagues at the XXXX XXXX location. You all, on multiple occasions, have always made me feel like a valued member, and I truly appreciate that. Please let me know if you need anything additional from me. Respectfully, XXXX XXXX I have a detailed listing of all the late fees taken from my account by month. However, I believe the total amount to be around {$580.00} over the past XXXX of XXXX years.

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