Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
On XX/XX/XXXX, I checked my bank account with receiving an email that my account was overdrawn {$3.00}. The transaction causing it to overdraw was for {$10.00}. I made a deposit on the same day for {$30.00} bring in my account into a positive balance. On XX/XX/XXXX, my account remained in a positive balance, but I received an email stating insufficient funds with extra day grace. In this email, it showed the {$10.00} transaction that overdrew my account the day before on XX/XX/XXXX. It also said pending fee I immediately called Wells Fargo on this day, XX/XX/XXXX and expressed to the agent that I saw t my overdrawn account of {$3.00} the day before on XX/XX/XXXX and deposited to cover the {$10.00} transaction. The agent immediately confirmed that she saw the deposit was made and covered the transaction amount that I was receiving an email about. She assured me to disregard the email about the insufficient funds and pending fee stating I would not be getting a fee because I have made the deposit the prior day covering that transaction of {$10.00}. Additionally, she said that their system automatically generates these emails and to disregard. I repeated that I didnt understand why I would be getting an email the day after stating my account was insufficient when it was not at that point as I had taken care of and it also stating I was pending a fee, which contradicted the title and subject on the email that was a day later from me making a deposit to cover that transaction into a positive balance. Again, she reassured me I would not be getting an overdraft fee of {$35.00} andthat the system automatically generates these emails and to disregard it. However, today, XX/XX/XXXX I have a {$35.00} overdraft fee on my account. I called Wells Fargo and asked to be escalated to someone who would address this air with the bank agent informing XXXX yesterday, XX/XX/XXXX that I would not be accruing a fee for the {$10.00} transaction because I took care of it on XX/XX/XXXX and explained that their system is sending delayed emails 24 hours after the transaction and the deposit was made but then waiting another day to post a fee. I explained to the XXXX  rep and he claimed that this was not a bank error and they would not reverse the fee. When in fact it clearly is a bank error with delayed automated generated emails and additionally, the Wells Fargo agent assured me to disregard this email and that I would not be accruing a fee. But then the XXXX  agent today would not acknowledge that this is a bank error with getting this information through my email and the agent yesterday confirming t to disregard the email so clearly this information is a bank error, and they should not be putting customers through this and not reversing fees with taking accountability

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