Consumer complaint received 2015-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo, the worst bank ever, to manipulate your savings and checking accounts, to their benefit and create fees that lead to overdraft fees, when infact your account IS NOT IN A INSUFFICIENT STATUS! My wife and I are retired and on a fixed income. We have been banking with a local credit union for many years and a few years ago that there would be additional benefits to having another bank, so we opened a savings and checking account with a small branch of Wells Fargo, located in a XXXX store. We did notice when opening our accounts that the WF branch had " NO SECURITY '' what s ever. The Teller cages are in the open and banking clients are seated side by side and required to discuss their private and personal financial matters while being subjected to sharing a closet like room with the bankers and WF clients. This is totally against FDIC rules for privacy and security. We 've brought this security and privacy issue to the officers at this branch and they tell us that the WF home office is working on a plan, but this dialog just keeps going on year after year. My wife and I work with a WF assistance vice president/personal banker. We 've had the recurring problem, that Wells Fargo will manipulate our accounts, allowing them to charge fees for what they claim to be insufficient funds. They even charge fees to transfer OUR FUNDS from savings to checking. In seven days XX/XX/XXXX the stole a total of {$82.00}. When we went into the branch to discuss this issue with our WF ass't VP/personal banker, at which time she left this closet office, where my wife and I are standing shoulder to shoulder with other banking clients. She returned with a woman we had never seen or knew and this person proceeded to get in my face and without privacy or security and ordered us out of the WF branch, in front of XXXX and the whole world. Fortunately I walked away and since then I 've been attempting to have WF refund the {$82.00} they stole from us and now the Ass't VP, a employee of WF of XXXX years will not speak with us and refers us to the rude person who told us to leave their unsecured office. When I Googled ; Wells Fargo Complaints ; I could not believe what I was seeing. WF has XXXX of complaints for the very reasons we are requesting our {$82.00} to be refunded, which WF is dening. This is so WRONG in so many ways, and WF needs to make restoration to us and ALL the XXXX they are, have been and are continue to do illegally on a regular basis. Have you ever heard of the 21st Century Act, created by Busch, that supposively gives banks the right to extract funds from customers accounts without their knowledge and only finding out when WF notifies you that your account has insufficient funds and they'very charged your account with OD fees. 
WELLS FARGO NEEDS TO BE STOPPED FROM DOING THESE ILLEGAL ACTS OF THEFTS AND THE BANKS OFFICERS AND STAFF!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation