Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
For ridesharing purposes I began renting a vehicle from XXXX in XXXX Georgia on Thursday XXXXXXXX XXXX XXXX  The rate was {$390.00} weekly. I initially aquired the vehicle using my credit card but after a couple of weeks of difficulty with the delay in restoring the funds/credit back to the card. I was told that I can use my Wells Fargo Business debit card instead, & that I would have to come to the actual location every Thursday morning to make my payment in person in order to continue the rental agreement. I replied is there any other way that I can make the payment because I drive early in the morning and I intend on having this vehicle for a long time because my car was in the shop needing expensive repairs. So to go to actual location can be an inconvenience. When the agent told me that they deduct straight from my account as long as the funds were available. I replied no problem & left with that understands.The first few weeks were I didn't experience any issues. On Monday XX/XX/XXXX I noticed that XXXX took out the {$390.00} So I contacted Wells Fargo about this transaction & agent informed me that the bank was closed due to it being the XXXX of XXXX and that's why the transaction occurred on Monday. I totally understood. The following weeks I started to have issues where the funds weren't being withdrawn from my account. Causing the ridesharing app to inform me that XXXX has stopped the rental agreement and I would have to return to the location. Then on Friday XX/XX/XXXX I noticed that I was charged {$390.00}. When I just paid the {$390.00} the day before. I contacted the bank pointed out & explained my issue to which the agent identified as well & assisted me by reversing the transaction. The agent also to me to check with XXXX to inquire about this issue. The following week While on the phone with Wells Fargo i went down to the XXXX just as they were closing and I actually spoke to a female that said she the responsible for billing and she isn't billing me twice. She said to check my account & if it says XXXX Virginia, then that's corporate billing me and I'll have to contact them. I asked if she had their contact information and she no. And either get in touch with them or you have to keep notifying your bank, As i'm on the phone with the Wells Fargo agent. This continues on for a few more weeks. The sometime around late XXXX, early XXXX I received a reversal of provisional credit. So I called Wells Fargo to inquire about the reversal. To which they informed me that according to their findings those charges are accurate. I strongly disagreed. I told them that I would never dispute an payment going to XXXX on a Thursday. I've only disputed charges any other day of the week. He asked if I had proof. I sent a email of my original rental agreement showing Thursday XX/XX/XXXX and the cost totaling {$390.00}. They told me that they would look over it and get back to me in a few days. I waited a week & then I contacted them about their findings. I was then told that they're standing on the position that I owe. Then I received an overdraft to my account bringing it approximately $ XXXX. I informed the agent that I disappointed & confused in their findings.So I'm going to pay that balance off & close this account. Then he asked to put me on hold for minute. When he came back on the line he said that he's transferring me over to the collections department. In confused state, I say ok .. Then a female with heavy accent comes on the line and asks me to identify myself & my business information. I do & she began reading from a script. Barely making out what she's saying, I heard her say that " I agree with their findings '' and I intervened & said that I do not agree with their findings. That's why I want to pay the {$420.00} or so & then close my account. As I tried to explain what was going on, she began to talk over me & I her. Thus the communication had broken down. She continued to talk & then the phone calls dropped. I tried calling back and didn't get a response. The next few weeks after that conversation I received multiple reversals on my accounts. Where it's currently XXXX XXXXXXXX and some odd dollars. I tried explaining this multiple Wells Fargo reps. Why would I agree to rent a car for XXXX in XXXX, only to start disputing the charged in XXXX? Knowing that I need the vehicle. Im actually still in a rental as I type this message. Enclosing I think the transcripts or recorded phone for quality assurance will substantiate my claims & correct this issue.

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