Wells Fargo Bank ripoff Scottsdale Arizona

On February 20, 2005 I had my mother in law deposit $40 into my Wells Fargo checking account. When the money was not available for withdrawal I called the 800 number on the back of my bank card. The representative informed me that my account was over drafted, and said that I would have to go to the Wells Fargo branch that I opened my account at and talk to them because the Branch has more authority then she dose over the phone.

On February 22nd I went to my Wells Fargo branch Located at 1530 N. SCOTTSDALE RD,SCOTTSDALE, AZ 85257 Tel:480-429-3936 and waited for an hour and a half, while they helped another costumer before me, when the assistant manager called me back to his office. I explained that my account was overdrawn but, it was my understanding that I had overdraft protection on my account. I explained that when I first opened my account with an employee named Rosea, I filled out all the paperwork for overdraft protection. Rosea told me I would be receiving my card in the mail. At no time did she explain that I might not receive overdraft protection so when I received my Wells Fargo Bank Card I assumed that it had overdraft protection. After explaining all this to the assistant manager he told me I must come back the next day to talk with the manager because he couldn't reverse any overdrafts with out her.

Today (February 23rd) I went back to my Wells Fargo branch bank. I went through the same explanation the bank manager and was told that it was not a bank error, and it was basically all my fault and the best that she would do is reverse 3 overdrafts still making my account overdrawn by $78.00. So I called the 1800 number again and spoke with their manager on duty, she said that most customers would be happy that $100.00 was reversed, and there is nothing that she would do to help my current situation.

What I don't understand is why my account was overdrawn in the first place. When I opened my account Rosea had me fill out the paper work and said that I would receive my card in the mail and that I would have overdraft protection on it. Now my account is overdrawn, I would like to have the remaining $78.00 reversed and my $40.00 reinstated. I believe that Wells Fargo bank is discriminating against me due to my age. They think that because I am young they don't have to admit their error because there is nothing I can do about it.

I know $78.00 does not seem like a lot of money but could mean the difference between eating and not eating. I have a baby on the way and just want the world to know that Wells Fargo bank is stealing from me and other young people like myself because they think they can.

Angela
Scottsdale, Arizona
U.S.A.