I bank with Wells Fargo Bank , N.A . and have their Team Member Checking product as a checking account. I opted out of debit and credit transactions when opening it, so that prevents them honoring a charge with the VISA card attached to my account if the funds are not available, it will be declined. It was explained to me in the past that this does not apply to automatic, scheduled monthly payments to my account that use my routing and account number. 

I signed up for an XXXX XXXX trial that ended yesterday, XX/XX/XXXX. I logged on to XXXX today and strangely, the banner read that the {$99.00} for XXXX would be charged in XX/XX/XXXX. I cancelled it, then I got a message saying that it " would be refunded '' to me. I also thought that was strange. 

I logged into my Wells Fargo checking account and I saw it was overdrawn, and that I had a {$99.00} charge from XXXX. Which was incredulous to me per what the banner told me! What 's more, it is not a monthly charge, and XXXX charged the VISA attached to my checking account, and since I opted it the transaction should have declined anyway. 

Since I have been educated numerous times on this with Wells Fargo in regards to how it works with scheduled payments that use routing and account numbers, there was no need to complain with them, they are simply trying to get over and abuse me with fees, this is why I opted out, so moments like these do n't happen. That transaction was to decline, XXXX did not use my routing and account number, and it was not a monthly, scheduled payment anyway. 
