To Whom It May Concern:
I have been as wells Fargo customer for a while. The reason I am joining with them because they have a direct deposit which can deposit my paycheck into bank account.in the beginning of June I have a cash rotation issue due to my car broke down. I applied 2 short term online $350each from usflashcash.com and payday-loan-yes.com. On an electronic signature online I select very clearly, I got paid twice a month a 5th & 20th. First of all they both charge me before due day, a well Fargo charge me $34 X 2pcs over draft fee on both items return fee. A day after will continue charge me $5 until I paid off over draft fee. I am in threat on both way if loans company keep trying recharge my checking account again a over draft keep adding more and more. To stop doing that I email to a loans company and called they left a message but no reply. I called wells Fargo wait for 20 minutes on a phone and speak to a human being, I request put a hold on both loans company if they ever try to charge on my account again but a customer service said "he won't able to stop it. I spoke to a manager name Kathy Sprague; she said "I have to deal a loans company not with well Fargo ". She won't able to help me either. Two days later a loan company was hit on my account $90 principal fee plus $15 return fee for 2 days earlier.
I had to suffer another 68 dollars again for return fee., I agree that people should try not to overdraw their account, however... We are all human and it unfortunately happens.
An overdraft fee has been threading me for this two months, I couldn't sleep well because thinking about a hassle of being paid over draft fee to Wells Fargo. I woke up early at 3:00 AM on August 07 and get online check on my account statement. A loan company is in pending charge me $90.00 which would might cause insufficient funding over draft. I drove me car immediately to wells Fargo ATM machine deposit $100 dollars in cash to prevent any over draft fee might cause but they still charge me any way. Okay. I AGREE that I should be billed a ONE TIME $34 fee, unfortunately happens. With that said... Wells Fargo rips off consumers by submitting the debits on our accounts OUT OF SEQUENCE!!! For example I had an available balance of $77.00 balance in my checking account on August 04... I make two small purchases by a debit card. One was $6.55 and the order was $11.40 on august 04 and both debit on my account after that would leave me a balance of $59.05. I called them they said Saturday and Sunday is not a business days. They go by Monday charge fee and reverse the other two small purchases on Saturday end up with charge me 3 over fee again. It is very hard to get out of debt at this point, while I have wells Fargo giving me many different fees, I think a federal should put a limitation on how much fees they can do in a month. I have been paid 32 over draft fee X $34 each $1088.00 plus 7time $5.00 continue return item fee since June to now. A whole month of my hard working salary was ripped off by well Fargo, I became wells fargo slave they ripped me $1123.00 dollars in total since last month.
They constantly do this!!! This is not fair business practice!!!
Best regards,
Johnny
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