I have direct deposit payroll set up with wells Fargo bank. For the past 2 years
The deposit was immediately available once my company issues the check.
Last week I received my email confirmation that my check had been deposited. Believing
that I had access to those funds as I have always had in the past two years, I made approximately 4
purchases using my bank card. Two days later an email alert was sent to my email for
Wells Fargo stating that my account was overdrawn and I might incur overdraft charges.
I immediately checked my bank account online a discovered for no reason I can imagine they had placed pending on my paycheck. This caused my last 4 purchases to overdraft my account which the bank charged me $35 for each purchase.
Foolishly I thought walking into the bank a showing them what had happened they would apologize and reverse the charges. Once there, I explained what had happened and the branch manager said she would not reverse the fees and began to lecture me on how I spend my money! I asked her about the pending placed on my check which she answered by saying some customers prefer this and I never specified thT I wanted my money available immediately.
I will not go Into details on how she treated me, but I will say I have never been treated so poorly by a merchant or manager of a business in my life.
She then told me she would be closing my account immediately. Stay away from this bank. They behave like criminals and seem to practice at best unfair banking. I believe the late charges accessed is theft, and I will treat it as such while I purse this. The manager's name is Dulce Ruiz at the Parmer and Scofield Austin tx branch.