Wells Fargo Bank Account Or Service Complaint

Wells Fargo Bank account or service department,

Checking account Problems caused by my funds being low North Dakota

I paid my cell phone bill online using my debit card on - -, 2015. My available balance reflected this being paid, I budget very carefully these days. Fast forward a couple of weeks later, and my account balance is almost $300.00 negative. This is from - overdraft fees in the amount of $35.00 assessed to my account, and other charges Wells Fargo is stating I over-drafted on. I did not knowingly overdraft my bank account. I called Wells Fargo 's customer service today, - - and spoke with a representative named -. She stated that when I paid my bill to - - -, I had an available balance of around $420.00. Apparently, when I paid that $110.00 to - - - and my balance reflected it being taken out, at some point the next day - - - put the money back in to my bank account, but then took it out again a few days later. According to her this is part of the process with pre-authorizations and posting and such. I understand that certain companies charge debit cards that way, but my complaint stems from that


believing myself to still be within my budget. According to - with Wells Fargo, because of this magical 'deposit ' that - - - supposedly made back into my bank account, I overspent by $22.00 total because apparently the funds were made available to me again. There were several other charges that I was assessed overdraft fees for, and I still do not understand how. At no point in time when monitoring my online account, or anywhere in my bank statements does it reflect a deposit being made back into my account for that dollar amount. How was I supposed to know? When I was speaking with - on the phone, she advised me that information regarding the way that pre-authorizations affect your available balance was not anywhere in the visa card holder agreement, or on their website. ( I checked the website myself after getting off the phone, and she was correct ) I feel that the information on this should have been made available to me at some point in time to avoid having to pay hundreds of dollars in overdraft fees. In not having that information readily available to its consumers, Wells Fargo is purposefully setting us up to possibly over-drafting our accounts in error and subsequently being charged at least - $35.00 fee, or in my case - fees of that amount so they can profit off of not properly informing it 's customers. This is a deceitful business practice. Banking with Wells Fargo has been a complete nightmare. I know that everything I have typed here may sound a little confusing, I 'm a little flustered at the moment. Please reach out to me with any clarifying questions you may have. Thank you.