Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
Dear Consumer Financial Protection : I received the following response from Wells Fargo regarding my last complaint. Wells Fargo continues to close the matter despite not having resolved the issue with me and despite there being proof of their dishonesty and unethical practices aimed at avoiding paying me the money that they took from my account unjustly and illegally, and then kept for several years. Wells Fargo cost me far beyond just the illegitimate fees and unwarranted charges they placed on my account month after month for 4 years straight. The pain and suffering I have endured has been tremendous. I have been treated with blatant disrespect every time I have gone into the branch to attempt to right this situation. I served this country as a XXXX XXXX XXXX in XXXX and not only was my money taken from me unconstitutionally, but now these heathens have been allowed to torment me while violating my rights. This has to stop. 

Here is what Wells Fargo responded to my last complaint : Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Dear XXXX XXXX XXXX : Thank you for contacting us and for your service. We completed our research and are providing details to address your concerns. 
We apologize for any service concerns you may have experienced when you attempted to resolve this matter. While it is never pleasant to learn we have failed to meet a customers expectation, we appreciate your bringing this situation to our attention. Your feedback regarding your experience is important to us because it allows us the opportunity to improve the service we provide. Your feedback regarding your experience is important to us because it allows us the opportunity to improve the service we provide. We apologize that we were unable to locate any calls within the time frame you provided. 
What you need to know We reviewed your concerns related to unauthorized transactions, unauthorized accounts, returned item fees and overdraft fees, and determined we addressed these concerns on Tuesday, XX/XX/XXXX via email. Weve enclosed that response for your records. We hereby decline your request for reimbursement of fees since we have sent the following checks which remains uncashed. 

Fee reimbursement request Wells Fargo has a seven-year retention period for account statements, transaction copies, and check copies for applications that maintain a check image. If an account was closed prior to XXXX for reasons other than escheatment, records would not be available due to the age of the account. 
Wells Fargo also has a seven-year retention period for check copies for applications that maintain a check image. 
We reviewed account ending in XXXX, our records indicate you were charged {$520.00} in Insufficient Funds Fees, {$660.00} in Overdraft Fees, {$220.00} in Monthly Service Fees, all of which were refunded, {$45.00} in XXXX XXXX ATM fees, and {$8.00} in XXXX XXXX ATM XXXX Inquiry fees. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX and can confirm no fees were recorded. 
We reviewed account ending in XXXX, our records indicate you were charged {$140.00} in Insufficient Funds Fees, {$100.00} in Overdraft Fees, {$230.00} in Monthly Service Fees, all of which were refunded, {$210.00} in XXXX XXXX ATM fees, and {$92.00} in XXXX XXXXXXXX XXXX XXXXXXXX Inquiry fees. 
XXXX XXXX XXXXXXXX On XX/XX/XXXX, we sent a letter reminding you to cash Check number XXXX dated XX/XX/XXXX in the amount of {$13.00} related to former Wells Fargo account ending in XXXX. That check was replaced with check number XXXX dated XX/XX/XXXX, and mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX. 
If you have questions, please call us at XXXX for consumer accounts, Monday through Friday, XXXX a.m. to XXXX p.m. Central Time. We accept telecommunications relay service calls. We can also assist you in XXXX. 
Actions we have taken We previously sent a Customer Appreciation Check in the form of Check number XXXX dated XX/XX/XXXX for {$120.00} which was negotiated on XX/XX/XXXX. 



This is yet another attempt by Wells Fargo to avoid taking responsibility for their unjust taking of funds from my accounts. First of all, the amount owed is inaccurate. Attached you will find copies of my bank statements. I am owed a much higher amount. 
Secondly, Wells Fargo without contacting me to confirm my address, despite my contacting them several times about the lawsuit and providing an updated address prior to them even sending these checks out ( proof of this is attached in the form of my received emails from Wells Fargo in XXXX and XXXX ) Wells Fargo deliberately, sent the checks to an address at which I had not lived in over three years. Now, the checks are obviously lost in that Wells Fargo themselves state that they remain uncashed, yet Wells Fargo is denying responsibility for reissuing the checks to me based on their rationale that they were already issued. I DID NOT agreed to the amount that was issued and I GAVE THEM an updated address which they were NOT mailed to. Wells Fargo can not deny they had an updated address because they sent the {$120.00} dollar and {$50.00} dollar checks to TWO addresses that were more current than the address that they sent the large checks to. In fact, this is the first time I was ever told I was to be reimbursed for money that Wells Fargo took from my account illegally I moved the course of several years. Initially, Wells Fargo responded that these charges were justified which I knew they were not. Then, they responded again that they were not fault. Now, suddenly Wells Fargo is admitting owing me money but despite my providing them with an updated address several times, mails me two checks to an address I hadnt lived at in several years. Thats horribly advantageous! 

I expect Wells Fargo to cancel the old checks and reissue checks for the correct amount that I am owed in the amount of : {$1800.00} My updated address is XXXX XXXX XXXX, XXXX, NV XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV 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 non-monetary relief