Hello, I am a customer at Wells Fargo Bank. I have a checking and savings account. I opted out of overdraft services and I recently incurred fees because my bank made XXXX overdraft payments without my consent. My balance is now a negative XXXX dollars. 


Since I opted out of overdraft services these charges should have been declines. 


The XXXX payment made were on XXXX XXXX, 2015 to XXXX in the amount of XXXX dollars and to XXXX XXXX in the amount of XXXX dollars. 

The Wells Fargo website states that even if I do not have overdraft services that they will pay an item creating an overdraft or return the item as unpaid. 

I have an issue with a bank that can arbitrarily decide to pay and item without my consent at their sole discretion. I find this arbitrary and capricious and a predatory banking practice. How many customers have to incur these types of fees? 


The new banking laws were enacted to protect consumers and I have the right to opt in or out for overdraft services. I do not want my bank to decide for me. 



If there are insufficient funds in my account and a fee is incurred then that is my responsibility for not managing my account properly. I do not have to accept a service that I opted out of to pay the original overdraft to the bank and then overdraft services fees. I believe that this is an unfair business and predatory tactic used the bank. 
