Like many people that I have found on here, I have found myself saddled with over $600 in overdraft fees from Wells Fargo. Essentially, I relied upon their internet banking site to monitor my account. At one point, a balance of approximately $54.00 was shown. I used my debit card, all for small purchaes, watching the amounts closely. However, several "pending" charges were posted against the account—all before the subsequent charges were posted—and a $33.00 fee was assessed for each of the small charges.
The internet banking that is provided by Wells Fargo is evidently hampered by shortcomings of the technology that they use. However, when one sees an available balance, an balance ending on a particular date, and pending charges, it is not made evident on their website that the pending charges will detract from the available balance. Furthermore, when looking at the website with balances shown, the bank allowed debit charges to process that occurred after the overdraft.
It appears that without corrections to their systems, and without disclaimers on the internet banking site that inform customers of what such things as "pending" charges mean, Wells Fargo should assume some responsibility for these situations.
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