Wells Fargo needs to be called out when it comes to their business practices. I had a negative balance, which is my fault. I spoke with a Wells Fargo banker who informed me as long as I get the negative balance brought to a positive balance before noon on the follow business day I would not be charged an overdraft fee.
Well, I was short on cash & decided to use their direct deposit advance service as the fee for direct deposit advance is cheaper than an overdraft fee. So I did the direct deposit, checked my account again after the close of business that same day, everything looked good. Just to be sure, I checked my account balance the following day, everything still all good.
So I figured I had taken care of the problem & didn't check out my account again until 3 days later & I had a little extra money in the account, so I made a few small purchases. When I checked my account 3 days later I had a negative balance of $260.00. $198.00 of that $260.00 was overdraft fees. They have the overdraft fees documented as being placed on my account on the very day I got the overdraft fee, & even before I ever got the direct deposit advance!
Was so bad about it is if that was the case, (that they had been placed on my account the day they claim they have), they continued to allow me to use my debit card for a remaining 3 business days while it was negative! Had I known, I obviously wouldn't have spent the money or got a direct deposit advance and just paid the overdraft fees!!! My card to this day is still active!!!
I checked my account after the direct deposit advance after the close of the business day & the account was fine. I checked my account the following day & it was fine, so how the hell can these people document my account that an overdraft fee was placed on my account on a day it wasn't? And they listed the transactions out of order! This company is ludacris & I guarentee after this situation is straightened out I am closing my account with this crooked bank!!
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