{"took":619,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":21454,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9989497","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I requested for Bank of America to review and consider a refund of excessive fee charges associated with my checking account for the following Years and Dollar amounts : XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$380.00} NSF Charges ( Year To Date : {$35.00} XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$630.00} NSF Charges ( Year To Date ) : {$560.00} XXXX ). XXXX/XXXX/XXXX - XX/XX/XXXX Overdraft ( Year To Date ) : {$1000.00} NSF ( Year To Date ) : {$140.00} Fees totaling {$2700.00}. In addition, during this period I charged excessive fees and Bank of America did not pay any of the vendors, but yet I was charged the fees.","date_sent_to_company":"2024-09-03T00:34:15.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"77320","tags":"Servicemember","has_narrative":true,"complaint_id":"9989497","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-09-03T00:10:02.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9989497"]},{"_index":"complaint-public-v1","_id":"9978705","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Bank of America company charged me overdraft fees for years and I was under the class action lawsuit and wasnt reinstated for my losses due to me relocating to Arizona","date_sent_to_company":"2024-08-31T11:02:23.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"85301","tags":null,"has_narrative":true,"complaint_id":"9978705","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-31T10:49:15.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9978705"]},{"_index":"complaint-public-v1","_id":"9971484","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I got 4 over draft fees .need someone from executive office to call me back. I tried to work this out with the call center and branch teller team. This bank ATM in XXXX az atms are always down. After a certain time and even in the night. Between XXXX and XXXX XXXX. I have issues with putting money in the ATM. When I do put Money in the ATM it takes a few days to get the cash Money posted. I got over draft and I requested the over draft fees to be refunded. The teller I spoke to wasn't trying to refund the money and was trying to blame me. \nregardless. Who was at fault I should not have to contact the executive office to have simple issues resolved. I don't keep a lot of money in this bank because of the service and I only use this bank for the location. I have issues with this bank and ATM all the time. I complain to the tellers and it seems like I'm the bad guy. I want to talk to someone about the overdraft refund.","date_sent_to_company":"2024-08-30T17:38:21.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"863XX","tags":null,"has_narrative":true,"complaint_id":"9971484","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"MIDFIRST BANK","date_received":"2024-08-30T17:31:14.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9971484"]},{"_index":"complaint-public-v1","_id":"9955226","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"My Regions checking account was withdrawn for a few hours past the XXXX \" grace period ''. I was charged twice within a week. Given that legislation is pending in Congress that would make these fees illegal, I would like all {$100.00} of MY money returned to my account or I will employ a consumer protection attorney and I will be using for far more than {$100.00}.","date_sent_to_company":"2024-08-29T21:20:28.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"754XX","tags":null,"has_narrative":true,"complaint_id":"9955226","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"REGIONS FINANCIAL CORPORATION","date_received":"2024-08-29T20:53:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9955226"]},{"_index":"complaint-public-v1","_id":"9951169","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Good afternoon I currently bank with JPMorgan Chase Bank and I would like to report them for illegitimate bank practices. \n\nI currently have a checking and savings account with this bank however XXXX of my account was overdrawn on the same day and on that same day they charged me an overdraft fee of XXXX XXXX times on XXXX separate occasions which put my account in the negative for over XXXX XXXX dollars. I called and they refuse to reverse the fees I filed a complaint with the bank and heard nothing back. According to the rep I was only allowed XXXX overdraft reversal per year which is unreasonable. I would like to file this complaint as this is bad business practices and have the overdraft fees that unauthorized and stole from my account reversed.","date_sent_to_company":"2024-08-28T11:00:13.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"12553","tags":null,"has_narrative":true,"complaint_id":"9951169","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-28T10:45:48.000Z","state":"NY","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9951169"]},{"_index":"complaint-public-v1","_id":"9933703","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Good afternoon I opened a savings account at TD bank and deposited a check for a XXXX dollars. I have all the supporting documents that verify that the XXXX dollars went into the TD account. \n\nTD closed my bank account and now it doesn't want to return the XXXX dollars. Where do I have proof that the bank has them? \n\nThank you very much.","date_sent_to_company":"2024-08-27T22:56:25.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"19713","tags":null,"has_narrative":true,"complaint_id":"9933703","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2024-08-27T21:52:18.000Z","state":"DE","company_public_response":null,"sub_issue":"Bounced checks or returned payments"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9933703"]},{"_index":"complaint-public-v1","_id":"9922763","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"The reason why I need to file a case on this issue is because on XX/XX/XXXX XXXX I was scammed by fake fraudulent company that was claiming to be called XXXX XXXX from XXXX XXXX and they sent an email to my XXXX account and on the following the told me to download this app called XXXX and basically allows the other user to have access over your device and on that process they had stolen money from all my accounts from my Wells Fargo Bank I took screenshots of the incident. The scammer was sending money to XXXX through a bank called XXXX. He took money from my XXXX and was sending the money through my old XXXX XXXX account and through that while going to checking account savings account and credit card he told me to tell the XXXX XXXX  to make it sound real and I never us this third party Bank in my life including the lady that was i sending to named XXXX XXXX, as soon as the incident took place, I called Wells Fargo and stated that there was a fraudulent situation that took place and I called Wells Fargo around XXXX XXXX so that we could start a case. They proceeded to change everything about my account giving me a new account number giving me a new checking, new savings and new credit everything was good the funded me back all the money until 4 months later they credited me for {$1500.00} and took the money out of savings account without giving me a notice or provided any reason to why during the time. So I call Wells Fargo and started a case on that behalf of my savings account. Every time I started to ask about case during the 10 day process they told me to wait 10 days on regarding of the situation and every time I waited they would close the account case and say that the case is closed. I've been going back and forth for days now. Almost about a week to 3 weeks going.","date_sent_to_company":"2024-08-27T01:15:15.000Z","issue":"Problem caused by your funds being low","sub_product":"Savings account","zip_code":"33009","tags":null,"has_narrative":true,"complaint_id":"9922763","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-26T23:54:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"complaint_what_happened":["The reason why I need to file a case on this issue is because on XX/XX/XXXX XXXX I was scammed by fake fraudulent company that was claiming to be called XXXX XXXX from XXXX XXXX and they sent an email to my XXXX account and on the following the told me to download this app called XXXX and basically allows the other user to have access over <em>your</em> device and on that process they had stolen money from all my accounts from my Wells Fargo Bank I took screenshots of the incident."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9922763"]},{"_index":"complaint-public-v1","_id":"9908007","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have a checking account with Navy Federal Credit Union. Back in XX/XX/year>, I started getting text regarding suspicious transaction attempts, which wasn't me. I froze the debit card and opened a new checking account with them. After reviewing my accounts online, I discovered that I have been charged a return check fee of {$29.00} XXXX times. The total of {$370.00} from XX/XX/year> to XX/XX/year>. NFCU stated they will not reimburse this money because of the time that it goes back. The account was closed today. \n\nNFCU obviously knew this account was compromised and continued to charge their {$29.00} return item fee. They have lost their customer service values and definitely are not looking out for XXXX and their families.","date_sent_to_company":"2024-08-24T20:26:02.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"77354","tags":"Servicemember","has_narrative":true,"complaint_id":"9908007","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-08-24T19:51:00.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9908007"]},{"_index":"complaint-public-v1","_id":"9894607","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have had a HELOC with Bank of America because of the economic meltdown of XXXX, XXXX, XXXX when I was a real estate agent and sold very few houses. We were required by Bank of America to have a checking account associated with the HELOC where payments to the HELOC came out of. We have bank accounts with other banks and didn't always keep the minimum amount in the required checking account and -- even though we continued to make payments to the HELOC on time -- we were charged {$25.00} per month for not having the minimum balance in the checking account. I estimate that we have been bilked XXXX  of dollars. I want it back!","date_sent_to_company":"2024-08-22T19:11:45.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"95476","tags":"Older American","has_narrative":true,"complaint_id":"9894607","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-08-22T18:48:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9894607"]},{"_index":"complaint-public-v1","_id":"9893315","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I ordered items from XXXX on XX/XX/year> never received one of the items I told chase bank who I was working for and banking with that I never received my items they issue we a credit after that the credit was reverse and my account was overdraft due to this and Chase refuse to fix the issue about my money being stolen","date_sent_to_company":"2024-08-22T19:48:39.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"30327","tags":null,"has_narrative":true,"complaint_id":"9893315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-22T19:41:42.000Z","state":"GA","company_public_response":null,"sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["I ordered items from XXXX on XX/XX/year> never received one of the items I told chase bank who I was working for and banking with that I never received my items they issue we a credit after that the credit was reverse and my account was overdraft due to this and Chase refuse to fix the issue about my money <em>being</em> stolen"],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9893315"]},{"_index":"complaint-public-v1","_id":"9892971","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to formally complain to Wells Fargo Bank regarding the recent mishandling of my account and the subsequent distress and financial harm I have suffered as a result. \n\nMy account was closed under the pretext of \" misuse '' despite all credits being issued by consumers, which I believe was unjustified. Throughout this ordeal, I encountered a series of troubling interactions with Wells Fargo representatives who were unhelpful and exhibited rude and morose behavior. Their unprofessional conduct exacerbated my distress, resulting in significant emotional suffering. \n\nAdditionally, I experienced a severe issue with a lost deposit that led to extensive damages. The check was correctly sent to Wells Fargo and was misplaced by the bank, resulting in a 10-day delay before the funds were made available to me. This delay had catastrophic consequences, including late payments to my creditors and, most critically, my rent. As a result, I was nearly rendered homeless, with no recourse or place to go. \n\nDespite numerous attempts to seek resolution through Wells Fargo 's customer service channels, I have yet to receive a satisfactory response or remedy. Wells Fargo 's lack of action and accountability is unacceptable and has only compounded my distress.","date_sent_to_company":"2024-08-22T21:09:12.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"78102","tags":null,"has_narrative":true,"complaint_id":"9892971","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-22T20:55:48.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Late or other fees"},"highlight":{"complaint_what_happened":["My account was closed under the pretext of \" misuse '' despite all credits <em>being</em> issued by consumers, which I believe was unjustified. Throughout this ordeal, I encountered a series of troubling interactions with Wells Fargo representatives who were unhelpful and exhibited rude and morose behavior. Their unprofessional conduct exacerbated my distress, resulting in significant emotional suffering. \n\nAdditionally, I experienced a severe issue with a lost deposit that led to extensive damages."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9892971"]},{"_index":"complaint-public-v1","_id":"9878940","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was charged overdraft fees and insufficient fund fees","date_sent_to_company":"2024-08-21T14:39:15.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"366XX","tags":null,"has_narrative":true,"complaint_id":"9878940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-21T14:24:34.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9878940"]},{"_index":"complaint-public-v1","_id":"9866887","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"We have signed up to opt out of over draft protection .As it was described to us its a service that doesnt allow your checking account to be over drafted past 0.So if the money isnt in the account it doesn't get pulled.FOR Years now, We have to deal the bank not following this .Like they are forcing us to use a form of over draft.The bills we pay dont post or get pulled FOR WEEKS sometimes and the companies we talk to about this Blame it on Huntington. 3 days ago my progressive app said I was paid up Until XXXX So 2 days ago progressive posted a XXXX $ pull summation to our account.which took our balance past {$0.00} to - $ XXXX.I called Huntington and they said dont worry the money isnt available and u have payed out of over draft so your account cant get over drafted so progressive wont be able to pull from your account .I called progressive and progressive said dont worry it was an accident so it getting sent back as non funds is no problem .Today they paid it and when I called to ask I get a completely different story about whats going on like usual with this bank.Im filling with u before I get a lawyer involved and XXXX XXXX .Than Im going to go to social Media and tell everyone I know to pull your money and move banks.","date_sent_to_company":"2024-08-28T13:07:00.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"443XX","tags":null,"has_narrative":true,"complaint_id":"9866887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2024-08-20T15:53:10.000Z","state":"OH","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["up Until XXXX So 2 days ago progressive posted a XXXX $ pull summation to our account.which took our balance past {$0.00} to - $ XXXX.I called Huntington and they said dont worry the money isnt available and u have payed out of over draft so <em>your</em> account cant get over drafted so progressive wont be able to pull from <em>your</em> account .I called progressive and progressive said dont worry it was an accident so it getting sent back as non <em>funds</em> is no problem .Today they paid it and when I called to ask"],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9866887"]},{"_index":"complaint-public-v1","_id":"9864167","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"No check received from class action lawsuit for overdraft fees on my now closed account","date_sent_to_company":"2024-08-20T13:10:33.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"853XX","tags":null,"has_narrative":true,"complaint_id":"9864167","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-20T13:06:07.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9864167"]},{"_index":"complaint-public-v1","_id":"9826463","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I purchased an item from a company ( I could not retrieve the name since the site on XXXX was shut down when I reached out ), and before they delivered it to me, they told me that to ensure I was a legitimate buyer, I would have to cash a check and send the money back to them through XXXX and XXXX. \n\nXX/XX/XXXX - First, they sent me a digital check of {$2300.00} to print out and deposit. {$400.00} was made available to me that day from Wells Fargo bank, and I sent it through XXXX on XX/XX/XXXX. \n\nXX/XX/XXXX - The rest of the funds ( {$1900.00} ) were made available to me, and I proceeded to send 3 payments of {$500.00} each through XXXX. \n\nXX/XX/XXXX - I sent a payment of {$490.00} on XX/XX/XXXX to complete the rest of the check. \n\nI was told that after doing this, my purchased item would be approved for delivery, but they told me that I first had to deposit a second check, and proceeded to push back the delivery date again. \n\nXX/XX/XXXX - I deposited the second check of {$2900.00}, and I sent the {$300.00} that was available to me that day through XXXX. \n\nXX/XX/XXXX - The rest of the money ( {$2600.00} ) was available to me. I sent payments of {$500.00}, {$590.00}, {$600.00}, and {$400.00} through XXXX. \n\nXX/XX/XXXX - I sent payments of {$300.00} and {$200.00} through XXXX. This day, the bank notified me that the first check ( {$2300.00} ) had bounced due to insufficient funds. \n\nMy balance before all of this ( prior to XX/XX/XXXX ) was {$1000.00}, and after the first check bounced it ended up - {$1400.00}. \n\nXX/XX/XXXX - The second check ( {$2900.00} ) bounced, putting me at a balance of - {$4400.00}. \n\nI made multiple attempts to resolve this with the seller, but they have since ceased contact with me. During the process before the checks bounced, they would speak with me over the phone and send me updates about my order and reviews from past orders, getting me to trust them completely before taking my money. I have also tried reaching out to the bank and to XXXX multiple times, but they have been unwilling to aid me besides directing me to other sources. My biggest issue with this situation is that the checks were not put on deposit hold or verified before the funds were made available ; the bank made the funds available immediately which had misled me under the impression of legitimate checks. The bank should have stopped making the funds available after the first check. In this situation, the bank failed to notify me on a timely manner of a bad check being deposited. I had a significant less amount of money than the fraudulent checks held, and to my knowledge, with an amount that large without original funds to back it up, the check should have bypassed more security before being deposited. I just turned XXXX on XX/XX/XXXX ; I have had no prior experience with banking which made me a viable victim to scammers ; the bank should have prevented this from happening if they followed the deposit hold. There is a flaw in the banking system which the scammers took advantage of. Upon reaching out to report the fraudulent event, Wells Fargo concluded I was scammed and had closed the case ; however, the bank did not take responsibility for making the deposit fund available sooner than it should be. Then bank wanted me to pay back the scam deposit checks which I do not have as a student, especially as the bank already took away more than {$1000.00} from my account. I am frustrated with the bank 's action and hoping you will help me to resolve with bank to get me back on track instead of in the negatives. I start college next week, and can not afford to move on with this monetary issue.","date_sent_to_company":"2024-08-16T17:55:08.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"08043","tags":null,"has_narrative":true,"complaint_id":"9826463","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-16T16:29:28.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["My biggest issue with this situation is that the checks were not put on deposit hold or verified before the <em>funds</em> were made available ; the bank made the <em>funds</em> available immediately which had misled me under the impression of legitimate checks. The bank should have stopped making the <em>funds</em> available after the first check. In this situation, the bank failed to notify me on a timely manner of a bad check <em>being</em> deposited."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9826463"]},{"_index":"complaint-public-v1","_id":"9824238","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, CA XXXX Consumer Financial Protection Bureau Office of Complaint Response XXXX XXXX XXXX. \nXXXX, MD XXXX Dear Consumer Financial Protection Bureau : I am writing to express my concern regarding Wells Fargos practices concerning overdraft fees. There is a systematic pattern of exploiting consumers through excessive and unjustified charges. \n\nOn XX/XX/year> I was slammed with a {$35.00} over draft fee for a pending amount and debit. The basic issue is that Wells Fargo has a practice of reordering debit transactions to increase the likelihood of overdraft fees, along with allowing pending debits to be used to overdraw an account so it triggers overdraft fees on an account. \n\nUnlike traditional banking practices, Wells Fargo has implemented a policy of routinely processing debit transactions that overdraw accounts and subsequently imposing a {$35.00} overdraft fee, even for minimal amounts. Furthermore Wells Fargo pushes processing and bank cut off posting time several hours into the next day so it possible to incur overdrafts on a debit that has not even posted or occurred that same day. Also, inter account transfers are not posted until after cutoff times, meaning that its better to deposit cash directly into an account than it is to make a transfer between accounts. Cash gets posted immediately, account transfers get posted hours after cutoff times or past posting date. This practice appears to be deliberately designed to maximize revenue rather than to serve the best interests of customers. \n\nFurthermore, the banks refusal to allow customers to opt out of overdraft protection exacerbates overdrafts. This lack of consumer choice is particularly troubling given the potential financial hardship these fees can cause. \n\nThe practice of reordering transactions to increase the likelihood of overdraft fees is dismaying but it the above patterns of doing business that hurts consumers and creates mistrust of the banking system in general. This manipulation of account activity is unethical and demonstrates a disregard for customers financial well-being. \n\nI believe these actions constitute unfair and deceptive business practices. Wells Fargos policies are not only financially harmful to consumers but also erode trust in the banking industry. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nXXXX, CA XXXX ( XXXX ) XXXX XXXX See attached :","date_sent_to_company":"2024-08-16T21:47:56.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"92870","tags":null,"has_narrative":true,"complaint_id":"9824238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-16T21:40:43.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["This lack of consumer choice is particularly troubling given the potential financial hardship these fees can <em>cause</em>. \n\nThe practice of reordering transactions to increase the likelihood of overdraft fees is dismaying but it the above patterns of doing business that hurts consumers and creates mistrust of the banking system in general. This manipulation of account activity is unethical and demonstrates a disregard for customers financial well-<em>being</em>."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9824238"]},{"_index":"complaint-public-v1","_id":"9817429","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year> I was charged XXXX {$35.00} overdraft fees. \nOn XX/XX/year> - {$35.00} charge On XX/XX/year> - XXXX {$35.00} charges On XX/XX/year> - {$35.00} charge On XX/XX/year> - {$35.00} charge On XXXX {$35.00} charge On XX/XX/year> - {$35.00} charge Wells Fargo took nearly {$200.00} from me alone in the month of XXXX. \nI contacted Wells Fargo in XXXX about recovering fees they had taken from me and explained that I had experienced job loss in XXXX. The representative was able to refund XXXX of the {$35.00} charges and are not listed above due to being refunded. In XXXX when I had received MANY fees from Wells Fargo I contacted again and was explained that I would not be eligible for a refund for another XXXX  months. These are completely unfair and abusive practices by Wells Fargo. I am XXXX and being eaten alive in fees without being able to recover because Wells Fargo is taking more and more money from me, when I clearly have no money right now. My account is in the negative. These are abusive practices by this bank and they will get sued over this matter just like XXXX XXXXXXXX XXXX has. MY bank taking nearly {$300.00} from me in XXXX  days because I dont have any money due to a job loss?! ABSOLUTELY CRAZY.","date_sent_to_company":"2024-08-15T09:56:50.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"29710","tags":null,"has_narrative":true,"complaint_id":"9817429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-15T09:40:15.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["I am XXXX and <em>being</em> eaten alive in fees without <em>being</em> able to recover because Wells Fargo is taking more and more money from me, when I clearly have no money right now. My account is in the negative. These are abusive practices by this bank and they will get sued over this matter just like XXXX XXXXXXXX XXXX has. MY bank taking nearly {$300.00} from me in XXXX  days because I dont have any money due to a job loss?! ABSOLUTELY CRAZY."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9817429"]},{"_index":"complaint-public-v1","_id":"9816201","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX and XX/XX/XXXX I received an overdraft fee of {$37.00}, totaling {$74.00}. I never enrolled in overdraft protection. The account number is XXXX.","date_sent_to_company":"2024-08-15T16:12:05.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"600XX","tags":null,"has_narrative":true,"complaint_id":"9816201","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2024-08-15T16:07:02.000Z","state":"IL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9816201"]},{"_index":"complaint-public-v1","_id":"9801753","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Yes well fargo kept taking money out my account and overdraft fees kept being took out sense 2019 they would take more out my account then necessary, they let scammers use my card number 4 times sense 2019 stuff would be charged on my card I didn't pay for and when I take them I didn't buy it, they wouldn't give me my money back.","date_sent_to_company":"2024-08-09T18:13:16.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"75216","tags":null,"has_narrative":true,"complaint_id":"9801753","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-09T18:01:45.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["Yes well fargo kept taking money out my account and overdraft fees kept <em>being</em> took out sense 2019 they would take more out my account then necessary, they let scammers use my card number 4 times sense 2019 stuff would be charged on my card I didn't pay for and when I take them I didn't buy it, they wouldn't give me my money back."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9801753"]},{"_index":"complaint-public-v1","_id":"9801136","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"We have had a situation that led to the bank informing us that because we chose to use the app, that in XXXX  we were sent documentation in an account change that recommitted to removing our consumer protections if we continued using the available banking platform. This banking institution is nation wide with no physical presence in our region but did not provide options to opt out of the consumer protection revoking. We have been having issues with bank withholding our income after 37 deposits from the same institution due specifically to the unlawful revoking of protections.","date_sent_to_company":"2024-08-14T19:55:08.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"72704","tags":"Servicemember","has_narrative":true,"complaint_id":"9801136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UNITED SERVICES AUTOMOBILE ASSOCIATION","date_received":"2024-08-14T19:42:01.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9801136"]},{"_index":"complaint-public-v1","_id":"9798312","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/24, I paid a portion of my rent with my chime account for {$180.00}. On XX/XX/24 I called Chime bank spoke with XXXX regarding a payment that was returned this rep was rude and hung up the phone on me. I called back and requested to speak with a supervisor, I spoke with XXXX. I explained to her about my transaction being returned. She informed me that my balance on XX/XX/24 was XXXX that the transaction presented on XX/XX/24 for XXXX. The difference was {$19.00}. She could not understand why the spot me service did not pay the transaction. XXXX didnt try to resolve the issue she did not have an explanation why. Chime returned my payment. Chime as a spot me service. My spot me amount is {$30.00}. When the transaction was represented on XX/XX/24 my balance was XXXX which was my ending balance on XX/XX/24. According to Chimes spot me service they will spot you for the amount of {$30.00}. The difference between the XXXX and XXXX is {$19.00}. Chime did not spot me the {$19.00} which is below my {$30.00} spot me amount. This is deceptive business practice. If you offering a spot me service to your customers and you dont spot the customer or you pick and choose when you want to offer the service is deceptive. Chime is not offering the service that they agreed upon in their contract. Chime returned my payment which caused me to incur a {$50.00} NSF fee with the management company I rent from. I also had money in my saving account to cover the negative amount, but Chime did not take the money from my savings to cover the difference. Chime has a round up service where they round up all your purchases and put the difference in your savings account, but they can not transfer funds to prevent a transaction from returning. This is unacceptable and very deceptive.","date_sent_to_company":"2024-08-09T19:36:11.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"77301","tags":null,"has_narrative":true,"complaint_id":"9798312","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2024-08-09T19:26:50.000Z","state":"TX","company_public_response":null,"sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["Chime has a round up service where they round up all <em>your</em> purchases and put the difference in <em>your</em> savings account, but they can not transfer <em>funds</em> to prevent a transaction from returning. This is unacceptable and very deceptive."],"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9798312"]},{"_index":"complaint-public-v1","_id":"9788100","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo is sending letters every other day, phone calls every day. Enough is Enough. Please advise me on what attorney you all have used. I would appreciate it very much. Wells Fargo always say they are still working on it and no results yet. Please help me to sue Wells Fargo? XXXX XXXX filed Bankruptcy because XXXX can not continue to be harassed by Wells Fargo for something she did not do. XXXX is under XXXX XXXX now. All we need now is to clear XXXX XXXX XXXX name. XXXX XXXX XXXX did not do it either. We know Wells Fargo is not going to do anything. Wells Fargo is proving it to us and to you all. Thank you.","date_sent_to_company":"2024-08-13T04:44:58.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9788100","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-13T04:06:12.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9788100"]},{"_index":"complaint-public-v1","_id":"9779121","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened checking and saving acounts with Chase Bank as part of a promotion offered by the bank, in which I receive a reward if I fulfill certain conditions. I fulfilled the conditions of the promotion, but after receiving the reward, I discovered that federal interest withheld had been withheld from me. I am a US citizen and am not subject to any withholdings. The bank had no grounds for this write-off. I contacted the bank employee who opened the accounts for me to resolve this issue. She said that the box indicating that I was a subject to federal withholding was checked by mistake. I drove to the bank branch, where the employee and I made necessary changes and she assured me that the amount that was mistakenly withheld would be returned to me and that these payments would not be withheld from me in the future. \nHowever, on XX/XX/XXXX, the money was withheld again. I again contacted the employee, who promised to resolve the situation, but I was unable to get any clear answer. In this appeal I ask you to oblige the bank to look into this situation and correct the error made, namely to indicate in my case that I am not a subject for federal withheld and return the erroneously withheld amounts to my account : XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ XX/XX/XXXX XXXX $ Total : XXXX $","date_sent_to_company":"2024-08-09T16:53:09.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"23322","tags":null,"has_narrative":true,"complaint_id":"9779121","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-08-09T16:05:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Late or other fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"]},"sort":[16.864542,"9779121"]},{"_index":"complaint-public-v1","_id":"9778102","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"I like to talk about a company called venmo I had a problem with my account I think it was on this It was on XX/XX/XXXX that the problem was initiated was for {$450.00} it was to a company called XXXX XXXX. This was an unauthorized transaction from somebody breaking into my account. I found out on XX/XX/XXXX that they did not reimburse me I was looking at my account tonight and saw that it wasn't reimbursed so I reopened it and still disputing it I want to know why I was not reimbursed on this I did not authorize this transaction.. \nI'm continually having problems with both this Venmo and XXXX accounts they can't seem to secure my account. I need to do something with this company whether I have to take him to court small claims court or open up some sort of class action suit or something XXXX  both of these companies have been giving me problems from day one. These are the numbers of the transaction. \nXXXX XXXX I think one of those numbers I think the one on the bottom is the one that's actually the transaction ID,..","date_sent_to_company":"2024-08-12T07:52:30.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"493XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"9778102","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2024-08-12T07:37:45.000Z","state":"MI","company_public_response":null,"sub_issue":"Non-sufficient funds and associated fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> low"],"sub_issue":["Non-sufficient <em>funds</em> and associated fees"]},"sort":[16.864542,"9778102"]},{"_index":"complaint-public-v1","_id":"9777314","_score":16.864542,"_source":{"product":"Checking or savings account","complaint_what_happened":"Wells Fargo is not issuing XXXX transfers on the spot until 24 hours later and is fraudulently charging overdraft fees for not crediting transfers in a timely manner.\n\nIf they have made deductions from my account for recurring payments and Wells Fargo has notified me that I have 48 hours or two business days to settle the debts on my account by making payments on time. Wells Fargo is reflecting XXXX transfers up to 24 hours after transfers have been issued to Wells Fargo. I have evidence of the same thing, recordings of calls, complaints to the bank ignoring what happened and charging overdrafts fraudulently to my account on repeated occasions.","date_sent_to_company":"2024-08-10T16:18:41.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"07093","tags":null,"has_narrative":true,"complaint_id":"9777314","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-08-10T15:56:14.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"issue":["Problem <em>caused</em> by <em>your</em> <em>funds</em> <em>being</em> 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