Wells Fargo Bank Account Or Service Complaint

Wells Fargo Bank account or service department,

Checking account Problems caused by my funds being low Wisconsin

In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous $35.00 overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like -, - and - streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on - - and - where this occurred. Last month, on - -, a payment was submitted by - for $8.00 when my account balance was a negative balance of approximately $240.00. As expected, the payment was declined. On - - and -, I made deposits to my account totalling $220.00 to bring my account balance to about negative $20.00. On - - and -, - reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for - seperate $35.00 overdraft fees, a total of $100.00. In contacting Wells Fargo today, they were unable to provide any explanation of why these


- ) to check to see the payment they submitted on - - differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that - submitted another pre-authorized payment attempt on - - which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances.