WELLS FARGO BANK OVERDRAFT FEE SCAM Minnesota

   What you are experiencing will happen at any bank.  Written into the agreements that you signed when you opened your account was the right for the bank to "setoff".  Basically, that means if you owe the bank money on one account, and you have money in another account, they can take the money from the positive account to apply to the deficit in the other account.   As far as I know, this practice is almost universal among banks.

   If you owe money to a bank, your best bet is to not have any other accounts at that bank holding a positive balance, or they will raid it.

So the guy made a mistake and wanted to complain to see if anyone could give him some feedback, insight or input.  Not insult.  Read the definition of those words and come back when you can give insight to what had happened.

For Example, here is my INSIGHT/INPUT:

I'm sorry to hear of your problems with Wells Fargo.  But in my experience, it usually states in the contract you signed that they can pull your payment automatically from any accounts tied to this loan.  I know it really sucks, but if I were you, I would take the 50% they offered and open a checking account somewhere else.  That's what I did.  By the way, Wells Fargo does stink big time, and you have to watch EVERY penny as they take advantage of you any way they can.  Good luck!

So the guy made a mistake and wanted to complain to see if anyone could give him some feedback, insight or input.  Not insult.  Read the definition of those words and come back when you can give insight to what had happened.

For Example, here is my INSIGHT/INPUT:

I'm sorry to hear of your problems with Wells Fargo.  But in my experience, it usually states in the contract you signed that they can pull your payment automatically from any accounts tied to this loan.  I know it really sucks, but if I were you, I would take the 50% they offered and open a checking account somewhere else.  That's what I did.  By the way, Wells Fargo does stink big time, and you have to watch EVERY penny as they take advantage of you any way they can.  Good luck!

Let me first say i work in a bank that is not BOA as a manager and if any one of those posts was an employee of mine they would have been reprimanded immediately.  When a customer comes in to complain about fees (even if it was their fault) we would never use the language seen in the rebuttals.  There is a wise way every customer service representative should respond.  It is called the feel felt found method.  First we will always start with a "feel" response such as.  Mr. Smith we apologize that this happeneded to you and we feel horrible about your situation.  the we would use felt.  Mr. Smith many customers including myself have felt the same anger and confusion I am sure you feel now.  Now found.  What we have found that may help you in the future is if you make small payments to payoff what is owed but never more than what you can afford. 

Now this may sound corny for many of you people who obviously do not like sugar coating anything and would rather make snide remarks to a customer, but I tell you when you sympathize with a customers situation you turn the interaction into a personable experience.  For the original OP I hope you recover from this dilemma and if you need help from someone inside the banking system let me know through the postings here.