Consumer complaint received 2026-06-14 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: GA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo 's handling of my requests for assistance with overdraft fees that accumulated during a period of significant financial hardship. Between XX/XX/2026, and XX/XX/2026, Wells Fargo assessed ten overdraft fees of {$35.00} each to my Wells Fargo Business Checking account, for a total of {$350.00} in fees. These overdraft charges were primarily associated with ordinary recurring household and business expenses, including utilities, telecommunications services, home warranty coverage, and other routine obligations. As my financial circumstances became increasingly difficult, I proactively contacted Wells Fargo to request assistance. I explained my hardship and asked the bank to consider waiving some of the overdraft fees. Rather than ignoring the issue, I made a good-faith effort to address it directly with the bank and sought help before the situation worsened. When my initial request was denied, I escalated the matter through Wells Fargo 's customer service channels. Following that escalation, I received a written response from Wells Fargo 's Small Business Resolutions Team on or about XX/XX/2026. Although the secure message is no longer accessible because the link has expired, my understanding of the response was that Wells Fargo 's policies limited its ability to provide additional overdraft fee waivers, even after review of my circumstances. What concerns me is that despite my efforts to seek assistance, explain my hardship, and escalate the matter for further review, I was effectively told that policy limitations prevented meaningful relief. This occurred during a period when I was already facing substantial financial challenges. Since that time, I have also undergone XXXX and experienced additional loss of income while recovering, making the financial impact of these fees even more significant. I understand that banks have policies regarding overdraft fees and fee waivers. However, I believe customers experiencing legitimate financial hardship should receive individualized consideration rather than a denial based solely on predetermined limits. The purpose of escalating a complaint is to allow circumstances to be reviewed beyond the standard response. In my case, despite escalation and review by the Small Business Resolutions Team, no meaningful accommodation was offered. I respectfully request that Wells Fargo conduct a supervisory review of my account and reconsider the overdraft fees assessed during this hardship period. I believe a refund of the {$350.00} in overdraft fees would be a fair and reasonable resolution given my efforts to work with the bank, my financial circumstances, and the fact that I sought assistance before additional hardship occurred. I am not seeking special treatment. I am simply asking for Wells Fargo to exercise reasonable discretion and compassion in reviewing fees that accumulated during a documented period of financial and medical hardship.

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