On Saturday XXXX XXXX, XXXX, my wife called Wells Fargo, our mortgage lender to stop an automatic payment scheduled to process on XXXX XXXX, XXXX. The reason for our request was because my wife gave birth to our XXXX child in XX/XX/XXXX, and she 's had some difficulty with her XXXX disbursements. In order to ensure access to funds so that we could care for our XXXX children, my wife contacted Wells Fargo. The representative did not tell my wife there was a possibility the payment would process as initially scheduled, but instead confirmed the request was processed and told my wife to call back at a later date to schedule the XXXX XXXX payment. Therefore, we did not make any alternative arrangements. 
Unbeknownst to us, without our authorization, and contrary to Wells Fargo 's XXXX XXXX, XXXX, verbal confirmation, the payment posted on XXXX XXXX, XXXX, resulting in our overdrawn deposit account, with no access to funds until Wells Fargo 's reversal is applied to our account ( 2-3 business days ). In addition to the reversal, XXXX, a supervisor I spoke with on XXXX XXXX, XXXX, indicated they would reimburse any transaction fees assessed due to their failure to disclose that the payment could still process. I requested compensation for the inconvenience, and I later realized that I used the incorrect term, as I now contend that Wells Fargo processed an unauthorized transaction after my wife requested to stop the ACH scheduled to process on XXXX XXXX, XXXX. Wells Fargo did not request any documentation from us, and as stated above, did not inform us there was no guarantee the transaction would not process. 
One other concern I have regarding this matter is the actual date that Wells Fargo initiated the ACH. According to their explanation, electronic transfers and ACHs take between 2-3 business days to post. If the ACH was initiated on XXXX XXXX, XXXX, how did the payment clear on XXXX XXXX, XXXX? This leads me to believe that the ACH process began on Monday, XXXX XXXX rather than XXXX XXXX, XXXX. 
