Consumer complaint received 2017-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
This is a complaint against Wells Fargo 's checking account fees. Wednesday XXXX XXXX, XXXX an e-check I had written arrived at my bank account, typically when a check arrives regardless of how much money I have in my account, it is identified as " pending '', if I do n't have the correct balance to cover the charge, I then have time to deposit the cash and avoid any fees/charges due to non sufficient funds, however on Wednesday XXXX XXXX I never received a notification that the check had arrived and it NEVER showed any form of indication that it was presented to the bank. On Thursday evening XXXX XXXX at XXXX I received an email stating, " unfortunately, on XXXX/XXXX/XXXX your balance in your Wells Fargo account XXXX was insufficient to cover XXXX or more of your checks '' that I would need to go to Messages & Alerts inbox to find out more. My husband and I immediately logged into our bank account online, yet there was no mention of this e-check on Thursday evening at XXXX, it never showed up as pending or insufficient. The next morning we checked online again and it appeared in our account as having arrived on XXXX but not pending, but simply being returned. This transaction bouncing caused me alarm enough that lead me to believe my account had been compromised, I was suspicious that my account was so messed that I called on Monday XXXX/XXXX/XXXX, cancelled my overdraft protection plan, which normally would have taken all my funds from my savings account, I then moved all my money from checking to savings and then put a stop payment on other checks that I knew were going to arrive in the account on Tuesday XXXX/XXXX/XXXX and Wednesday XXXX/XXXX/XXXX, there were a total of XXXX e-checks. Even after paying the {$35.00} fee for XXXX NSF check, I had to pay the stop payment fees of {$31.00} for each e-check stop payment, which was better than having to pay the {$35.00} NSF check fee for all XXXX checks. Today, XXXX/XXXX/XXXX I check my account and Wells Fargo has charged me for XXXX stop payment fees instead of XXXX which throws my checking account into the negative, which caused them to charge me {$35.00} NSF fee AGAIN. It 's NOT just that they messed up my checking account with their lack of reporting my pending transaction properly, they messed up my e-check check cashing service, I had to close those accounts and now have nothing but trouble getting everything back in order. PLEASE help me, I feel like I am a victim of Wells Fargo Bank Bullying. Even when I went to the local branch on Friday XXXX XXXX, they were no help, noone in the branch could tell me how this could have happened and no one could help me to clear up the no-show/overdraft problems, they said I could come back and meet with a banker who may be able to look of the code of why it was not reported on my account, but that was too close to XXXX to get anyone to work with me. I need help, I ca n't argue with this big bank.

Company response to consumer: Closed with monetary relief