I have a checking account with Wells Fargo. Yesterday, the bank authorized my auto insurance agency to withdraw funds from my account and bring my account into overdraft. I do not have Wells Fargo overdraft protection, therefore the transaction should have been denied. Instead, despite me opting out of overdraft protection, Wells Fargo authorized the transaction and covered my overdraft resulting in a {$35.00} service fee that once again brought my account into overdraft. In order to remedy the overdraft, I had my boyfriend transfer funds into my account covering the overdraft balance so I would not be charged any additional fees. We did the transfer the same day at around XXXX PST on a business day so there is no reason for the bank to charge my fee. Today, I woke up with a {$35.00} service fee for entering overdraft. The bank completely ignored my opt out just to take advantage of me and make a quick buck off of my account. 
