Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
In XXXX of XXXX, I incurred a checking account overdraft fee at Wells Fargo and was told that I could not overdraft again over a " XXXX rolling '' period. 

Thinking I had the option to overdraft in XXXX of XXXX, I called to verify ahead of time so that I would not have to leave my bed if I did not have to ( because I was sick with flu ), to cover funds on a new overdraft fee I incurred. But to my surprise, Wells Fargo customer service claimed that I had already exercised my overdraft ability in XXXX of XXXX. In reviewing the summer months statement together with the agent, I could not see any record of an overdraft fee assessment or reversal, which is unusual because Wells Fargo does document overdraft fees and reversals as do my other bank accounts. In fact, as of today, Wells Fargo has XXXX overdraft fee assessments documented in my online checking account. Why would Wells Fargo document all the overdraft fees I've ever had until this very day, but claim that documenting them is not not their practice? This makes me feel like I have to babysit Wells Fargo and check my account every day for potentially nefarious activity from them. I took a screenshot and downloaded a PDF of the statement in question just in case the digital version of it changes later on. 

I disputed the validity of the overdraft fee on the grounds that Wells Fargo was not transparent. Overdraft fees are banking fees and should be transparently reflected with all the fees that make the checking account balance what it is. 

I received a dispute response via email on XX/XX/XXXX promising to investigate and respond within XXXX business days. Their response never came to my main inbox folder or junk folder. 

When I called Wells Fargo today, XX/XX/XXXX, requesting to speak with a XXXX, " XXXX XXXX '' who takes complaints said that maybe case XXXX " XXXX XXXX '' would receive my request that the dispute decision be resent - and maybe not. He didn't know if she'd receive receive my request to see the information claimed to be have been previously sent to me. Then, my request to receive it by paper mail or in the mailbox of my account portal was denied. I then asked to speak to the XXXX and then XXXX XXXX was able to miraculously produce XXXX XXXX to the phone, who sent a dispute resolution letter stating that their investigation of the alleged summer overdraft fee was valid, even though its not reflected anywhere. 

As of today, I see XXXX transactions in my online checking account with overdraft fees. XXXX of them will be reversed because the merchant is returning money that they were not authorized to take. But I was also charged a {$35.00} overdraft fee for XXXX cents that I did not include with a {$10.00} deposit I made on XX/XX/XXXX and I can not dispute it because of the alleged overdraft fee reversal that I received in XXXX, which there is no record of beyond what Wells Fargo claims took place in a letter that they didn't really want to send.

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