Consumer complaint received 2024-10-21 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: ID

Complaint narrative:
In XXXX of this year, I set-up a payment arrangement with a merchant with whom I conduct business. The merchant put the transaction through as two separate transactions, which was fine. This payment arrangement was through my debit card that is attached to my checking account with Wells Fargo Bank. I told merchant to set-up the payment arrangement to come out on XX/XX/XXXX, however, the representative I was speaking with was from another country and there was a language barrier. This person made a mistake with the date and set-up the transaction for XX/XX/XXXX, 10 days sooner than she was supposed to. I had no idea this happened until it was too late. For all I knew, the transaction was set to come out on XX/XX/XXXX as I had instructed. As a result of her doing this, it caused my checking account to become overdrawn and I was assessed two NSF charges from Wells Fargo each being {$35.00} with a total of {$70.00} in NSF charges. When I contacted the merchant who did this, they said that for the reversals, I need to contact Wells Fargo so they can reverse them for me. I have been back-and-forth with Wells Fargo and they refuse to help me. This overdraft was NOT my fault. This was a merchant error and Wells Fargo is stern on not reversing the {$70.00} in NSF charges. Im very upset about this and I dont think that this is fair. Some banks dont even charge NSF fees and this was overdraft was not my fault. This was clearly a merchant error and I shouldnt be made to suffer. They cant even make an exception over this, which I think is wrong and unfair. {$70.00} means a lot to me because Im struggling to begin with. Wells Fargo is a very greedy bank and I think the way they handle their customers is wrong and unethical. I need to have that {$70.00} refunded and I think I should also have additional {$500.00} credited to my account for this huge inconvenience and how I have been shifted back-and-forth by this bank. Theyre not even taking into consideration the mitigating circumstances that led to this overdraft. The merchant put it through on the wrong date when money was not in my account. 10 days later, everything was fine and this wouldve been a non-issue. But, the merchant made a mistake and put those charges through sooner than she should have. I thought Wells Fargo could help me, but theyre being cheap, greedy, unethical and wrong when it comes to their business practices. If you could help me right away, I would really appreciate this. Im not a bad person. Im just tired of being treated unfairly by a bank thats not even giving me any consideration, especially since I have a good relationship with them and Ive been with them longer than I should have been. I would like to keep my account with them and not end my banking relationship. Please help me anyway you can because this is totally unfair and I deserve to be treated better than this.

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