Wells Fargo Bank I purchased a new air conditioner. I applied and received a loan from Wells Fargo for a Home Loan. My payments according to the contract I signed was $114.00 per month which I made on time.  Phoenix Arizona

Even if you set up Automatic Payments you can access your statements Online.

What is the due date?

What date did you set as the payment date?

What date do they show the payment being received?

Have you actually CALLED them and asked what the fee is?

I got on Wells Fargo Website and with a payment invoice in hand I filed a request to have Wells Farbo automatically take the monthly payments out of my bank account. The bank did not tell me I was going to be charged a fee for this service. This is a total ripoff and I now asked them to send me an invoice every month and I'll mail them a check.

I have had Wells Fargo in the past and other banks and I can't remember a single one charging a fee for Automatic Withdraws, let alone a $36/month fee.

Is this coming from your Checking Account or are you trying to pay from a Credit Card? If so is it some sort of Cash Advance fee?

If not that, it actually sounds like you may have scheduled your Automatic payment to arrive AFTER the due date, and this is causing some sort of late fee.  What do your monthly statements show?