To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card. 
