Consumer complaint received 2024-05-08 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: NY

Complaint narrative:
On XX/XX/XXXX I got charged Three overdraft fees for transactions that were done during the week. I did a withdrawal of {$900.00} out of the ATM. I was expecting to pay {$35.00} for the {$900.00} that I withdraw from the ATM meaning that the other transactions were already pending and they were getting ready to post this Bank. Wells Fargo 's for some reason has a little trick in their pocket. They don't notify you till XXXX XXXX. in the afternoon to give you to XXXXXXXX XXXX. The same day. They also don't alert you on your phone till after XXXXXXXX XXXX but they still give you to XXXXXXXX XXXX. that day that is not called the 24-hour that is called a 12-hour Grace period. It is not right that this bank is very abusive the way it is. Their ATM does not work half of the time. Their customer service is not great and they do not help. I feel like Wells Fargo should get another investigation done on them for the abuse of all these overdraft fees that they be charged. They responded to my complaint and they claim that they gave me a total of {$400.00} and something dollars in the 12 months. That's a lie. That refund was given to me cuz of Bank error. So what they doing if the ATM does not let me make a cash deposit before XXXXXXXX XXXX that that's how the time that they give me. Then it's not my fault if I get to the ATM and the next ATM is more than 20 minutes away and I only have 10 minutes away 10 minutes. It's not going to give me time to make the deposit before XXXX XXXX so therefore I feel like it's not fair. I feel like Wells Fargo should work with the customers and fixing the situation. XXXX and XXXX XXXX  XXXX don't charge as much. They will charge you to overdraft fee if it's over {$50.00} XXXX XXXXXXXX XXXX only {$10.00}. Why is Wells Fargo 's the only XXXX XXXX XXXXXXXX right now that's charging {$35.00} for anything over {$5.00}. They have charged me {$35.00} for {$4.00}. that's criminal. That's a big financial crime cuz I work very hard for my money. I'll stop my direct deposit with this Bank cuz of the simple fact that I was seeing a lot of overdraft are the same overdraft fees that the bank is claiming that they gave me I'm not one to complain about overdraft fees. I am aware that I have overdrive protection but I'm also aware that every time that I do make a deposit, I have been avoiding these overdraft fees. I don't know what trick Wells Fargo 's has but I feel like cfpb should investigate them again cuz if they attacking other Banks they should attack the real banks that are robbing people and Wells Fargo 's is one of them. I've been with Wells Fargo 's for 12 years. I can't complain about them helping me with the overdrive cuz they have. But I could complain about the pricing meaning that I have paid more than {$800.00} in overdraft fees for these three overdraft fees that charge me {$15.00}. These are transactions that was done the week before. They claiming that because of the {$900.00} withdrawal that I did out of the ATM that that's where I brung my account to the negative and that's why I got charged. But let me remind you that when I did the {$900.00} withdrawal, the machine did warned me that I was going to get charged {$35.00}. I was agreeing to those {$35.00} charge. I was not agreeing to {$100.00} charge. That is an abuse {$15.00} for transactions that are less than {$26.00} Wells Fargo 's again, they are not doing something correctly meaning that the ATMs do not work correctly. They don't have that many branches and I feel me as a consumer that's getting abused with these overdraft fees. They should do something to try to fix the situation now make it worse

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