Wells Fargo - Overdraft Fee When Account Was Always in Black
Checking Account - Complaint
RENO, NEVADA -- So, I was teetering on a balance of $0. When a transaction would pop through as pending I would run down and deposit cash as it is deposited right away according to their policy. This went on for a few transactions. and I was always in the black. I get an email saying I have insufficient funds. Low and behold they pulled out $35 overdraft fee, which put me in the red, not any of my transactions.
I called and explained what was going on and this is very odd that I never received an insufficient fund notice until the penalty was pulled. She offered half of the penalty back and I refused as I was going to go into a branch to try to get it all back.
Well that didn't not go so well. He went to the manager and came back and said they would do nothing because it is not a banking error. He showed me a back log of when I was in the red. Something that we never see on our internet interface, and explained that a transaction way back when was red and then I was in the red again when they finally pulled out the $35 penalty.
I once again explained that I don't see the back log ever so how can I make banking decisions based on what Wells Fargo does not show me? They stated that it is my responsibility to balance my check book.(rudely), and I stated that I can't balance it because you provide me with misinformation.
The odd thing is I was never charged an overdraft fee for any of the other red transactions he showed me, just this one. I repeated this endlessly because he couldn't explain it and stated, "he wouldn't own up to it."
It got heated and he became too stubborn to provide any customer service. I asked why the phone representative offered half back and the branch nothing, he said that the bank again, "wouldn't own up to this mistake." and they would provide more customer service then a branch would. Really?
Long story short, be careful. They are playing games with what they make available to you online. They use their own transaction sequence to justify overdraft fees. I can see class action all over this. I am glad I printed out a screen shot. It clearly doesn't show negative until they pull the fee. And please don't yap about overdraft protection. My balance was left this low intentionally. Also their protection involves either getting a Wells Fargo credit card or getting a Wells Fargo savings account. You can only protect it with a Wells Fargo product. Go figure.