Wells Fargo Card Services Excessive overdrafts Eden Prairie , Minnesota

I have read this report several times now trying to see some type of logic in it, but the sad truth is this complaint is not based in logic. I find myself in disbelief, while I sit here typing,that we are really still in a place where people actually believe that banks are the cause of all of our problems an woes because they provide a service that is abused by the customer, regardless of the circumstance, and don't reach out to fix it. The very idea that the bank is responsible for our jobs, debt level, lack of planning, lack of savings, day to day spending, personal needs, and really anything else having to do with our own money management is really beyond any words I can come up with to describe how very sad it is that people remain the same, blame is much easier than taking responsibility for your own issues.

Times are hard, we all have issues, if our banks spent all there time trying to "fix it" or make it better for us with the end result being a life long customer, quite frankly they would all be out of business.

What you are being told in response to your requests is correct, there is no problem on the banks end, the problem and resolution rests on you.

Do what you need to do, find your alternatives, get help from family and friends, but please dont look to your bank to hold your hand and fix you financial problems.

I guess this may seem overly harsh, but really, do you really really believe your problems/difficulties are the responsibility of the bank?? Really!

There is just nothing else to say... very sad

In 2008 I lost a partime job that was inabling me to pay rent and pay over bills. When this happened it made it impossible to keep up especially when Wells Fargo kept tacking on overdraft charges.....For starters I had to pay the rent, utilities, insurance, car payment food and gas.

- That because you lost your job you should be allowed to spend money you didn't have in your account and not incur overdraft fees.

Second of all Wells Fargo should not have been allowed to access over $4000 in overdraft fees in 1 year.

- Let's see $4000 in a year is around 120 overdrafts(or 10 a month).  Unless every transaction you did caused an overdraft it seems as if that is a bit more than just rent, utilities, and bills.  In fact I would be willing to bet that a majority of the transactions that had the overdraft fees were small(under $10) from places such as Coffee Shops, Fast Food Restaurants, and Convenience stores.  YOU need to be very diligent in managing your account, especially if you keep low balances.  The best way to do this is to keep a WRITTEN register, writing down every transaction you make.  Then DO NOT spend(or even attempt to spend) the money unless it is available in your account.

Just based on your other comments in the report it sounds as if you have other issues, and perhaps you should actually look at getting some professional help.  By that I mean contacting a Credit Counseling company and talk to them about getting on a Debt Management Program(NOT Debt Settlement).