I have read very similar complaints on this website which makes me realize how ruthless Wells Fargo is when they close your account due to insufficient funds. Of course they wait until your payroll direct deposit hits. On their website under their policy when holding deposits it states that the customer is informed in their message alert when you sign on to your account. I didn't receive any notice. Had I received a notice I would could have taken precautions instead of being left completely broke. I am still shocked that any financial instition would act in this way. They say the process of closing my account takes two weeks. I asked them is that so they have an opportunity to charge me as much as they can? They said that my money is locked that money wasn't going to pay any debits, so why couldn't they give me the amount that was going to be mailed to me two weeks from then. I realize I made my mistakes but for them to punish me by knowingly leaving me without a cent is not acceptable especially for two weeks. I work in a large legal environment so I am going to continue to do some research on this. To me their act was personal nothing less.
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