Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Wells Fargo Executive Office, [ EMAILING from my Registered email ID with the bank & full account # has been provided in my signature below ] I am writing to formally escalate a serious and unacceptable issue involving my Everyday Checking account ( ending in XXXX ) and Wells Fargos refusal at the supervisor and escalation levels to reverse improperly applied monthly service fees beginning in XX/XX/XXXX. I have been a Wells Fargo customer for years, maintaining the account in good standing and consistently meeting the previous minimum balance requirement of {$500.00}. Without meaningful or confirmed notice to me, Wells Fargo unilaterally increased the minimum required balance to {$1500.00}, resulting in new service fees of : {$10.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$15.00} XX/XX/XXXX Total deducted : {$55.00} Reversed by Wells Fargo : {$25.00} ( XXXX + XXXX ) Still outstanding : {$30.00} ( XXXX + XXXX ) Despite clearly explaining my circumstances and the lack of proper notification, the last XXXX months fees have been denied at both levels of customer service supervision. This denial is entirely unreasonable and inconsistent with your own partial reversals. Key Facts Wells Fargo Has Ignored I received no visible or confirmed notification of the minimum balance change. I am enrolled in paperless delivery, and no prominent notice appeared in my e-statements or inbox. During this period : I became unemployed ( XXXX ) My wife suffered a fall requiring XXXX XXXX on her XXXX ( XXXX ) These are clear hardship circumstances where responsible institutions make exceptionsespecially when the customer has a long, clean account history. Wells Fargo already refunded the first XXXX months, which is an implicit acknowledgment that this situation merited an exception. Refusing to refund the remaining {$30.00} is inconsistent, arbitrary, and frankly, punitive. This is behavior unbecoming of one of the largest financial institutions in the United Statesespecially one simultaneously offering new customers $ XXXX bonuses for minimal activity. Why This Escalation Is Necessary What is most troubling is the statement from your supervisor that the system does not allow further refunding. A major U.S. financial institution can not hide behind system limitations when correcting an unfair charge caused by your own policy changes. This is not a system limitation it is a decision. And it is the wrong one. My Requested Resolution ( Non-Negotiable ) I am requesting the reversal of : {$15.00} service fee for XX/XX/XXXX {$15.00} service fee for XX/XX/XXXX Total : {$30.00} This is neither an unreasonable request nor an atypical exception. It is the correction of an unfair outcome resulting directly from Wells Fargos internal policy change and inadequate notification. Next Steps If this issue is not resolved promptly, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reevaluate and likely terminate my relationship with Wells Fargo entirely Document that Wells Fargo ignored clear hardship circumstances and applied inconsistent treatment I sincerely hope that is unnecessary. I would prefer to resolve this directly and quickly with your team. Please confirm the reversal of the remaining {$30.00} in fees and the updated account balance. Thank you for your attention to this matter. I look forward to a fair and prompt resolution. Best Regards, XXXX ( XXXX ) XXXX Phone : XXXX ( registered w/ bank ) Everyday Checking A/C # : XXXX XXXX Savings A/C # : XXXX

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