Wells Fargo Complaint - Fraudulent overdraft fee!
NASHVILLE, TENNESSEE -- Wells Fargo charged me a $35 overdraft fee for a withdrawal of $700. I made the withdrawal at the branch, so you'd think the teller would have informed me if I didn't have that much in my account! (I also checked my online statement before making the withdrawal.)
The shortfall happened because of another charge that went through that night. It was an automatic donation to a charity that shouldn't have gone through -- I had already arranged for the organization to get automatic payments from my new credit union account. I have asked the org to refund the money to my WF account. But the overdraft fee was attached to the $700 branch withdrawal, due to WF's bizarre practice of having charges "go through" in a different order than they happened in real life. This will make it harder for me to get the fee cancelled, even if the charity refunds my money. And, it's inaccurate! I shouldn't be charged a fee for withdrawing money in a branch, when the teller can see that money is in my account.
The customer service representative I spoke to was very rude. She kept patronisingly explaining that both charges "went through" the next day, and that the teller who processed my withdrawal "didn't know" that the money wasn't actually in there (which it actually was!). If Wells Fargo doesn't know what's happening with my money, perhaps they shouldn't charge me overdraft fees to use it? Also, I told her that I had already planned to close down my account because I've been unhappy with the service I have received. She didn't seem concerned, & didn't even give me a token "I'm sorry."