Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargo 's handling of material changes to the monthly service fee requirements for my Everyday Checking account ending in XXXX. I have maintained this account since XXXX. On XX/XX/XXXX, I discovered that Wells Fargo had charged monthly service fees totaling {$70.00} as follows : * XX/XX/XXXX : {$10.00} * XX/XX/XXXX : {$15.00} * XX/XX/XXXX : {$15.00} * XX/XX/XXXX : {$15.00} * XX/XX/XXXX : {$15.00} I immediately contacted Wells Fargo on XX/XX/XXXX, to dispute these charges and request a refund. Wells Fargo denied my request through multiple complaint reviews, culminating in a final response dated XX/XX/XXXX, from its XXXX XXXX XXXX XXXX. Wells Fargo stated that notice of the new fee requirements had been provided in account statements issued in XXXX, XXXX, and XX/XX/XXXX. My complaint is not that Wells Fargo provided no notice whatsoever. Rather, my concern is that the notice was not reasonably conspicuous given the significance of the change. The disclosure was placed in very small print near the bottom of page 2 or page 3 of a five-page account statement. Wells Fargo did not send a separate email notification, postal mail notice, secure online banking message, or any other prominent communication regarding the change. The change materially increased the requirements needed to avoid monthly service fees and ultimately resulted in recurring fees being assessed against my account. One would expect such a significant change to be communicated clearly and prominently. Instead, the disclosure was embedded within routine statement content where it could easily be overlooked. Wells Fargo 's position is that account statements alone constitute official notice of account changes. While this may satisfy its internal policies or account agreement, I believe the manner in which the disclosure was presented failed to provide meaningful notice to consumers and was not reasonably designed to draw attention to a material fee increase that could directly impact customers ' finances. Additionally, Wells Fargo further denied my refund request on the grounds that a separate XXXX XXXX monthly service fee had been reimbursed in XX/XX/XXXX and that additional refunds could not be issued within a XXXX period. This prior reimbursement was unrelated to the fees at issue here and does not address the underlying concern that the fee changes were disclosed in a manner that was not reasonably conspicuous. I believe Wells Fargo improperly treated my complaint as a request for a routine courtesy refund rather than addressing whether customers received meaningful notice of a material fee change. I request Wells Fargo to reimburse the {$70.00} in monthly service fees charged to my account, and prevent the assessment of future monthly service fees resulting from this inadequately disclosed change unless and until clear and conspicuous notice is provided.

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