I opened a XXXX checking account ( XXXX ) in XX/XX/XXXX. It was linked to a XXXX Savings account ( XXXX ), in order to avoid fees on these accounts. In order to avoid the fees I had to make a recurring transfer of {$25.00} from checking to savings. This recurring transfer went on for several years. Over that period of time, I was told by XXXX different tellers on XXXX separate visits that I did not have to continue the recurring transfer, that it only needed to be set up that way initially. They said I could just discontinue the transfer at any time and no fees would result. So I discontinued the recurring transfer in XX/XX/XXXX. Since that savings account usually does not have much money in it ( I do most of my banking at another institution ), I paid little attention to this account. The other day, when logged into the Wells Fargo iPhone app, I noticed a negative balance in this account. Looking further, I found that the account had been emptied by {$5.00} monthly service fees since XX/XX/XXXX. I was shocked and dismayed. I went to the bank at once and spoke with banker XXXX XXXX, who politely listened to my complaint. She called a customer service representative named XXXX ( who reluctantly told me his last name was XXXX ), whom I spoke to on XXXX XXXX 's desk phone. After hearing my story, XXXX XXXX told me that although the tellers had given me erroneous information, which he said could perhaps be classified as " bad behavior, '' it did n't meet the criteria of " bank error '' and therefore there was nothing that he could or would do. He " reassured '' me that it was a pleasure to speak to me, and thanks for doing business with Wells Fargo. He hoped I would have a nice day. XXXX XXXX informed me that to avoid further fees, I should transfer {$300.00} to that account to keep a minimum balance, and also to transfer an additional {$4.00} to cover the negative balance and an additional {$5.00} to cover this month 's impending service fee. 
I do n't know if the tellers had given me incorrect advice to discontinue the recurring transfer inadvertently, or if they did it specifically to generate fees. It does n't really matter at this point. The fees will total {$70.00}. 
Regardless, this is the sort of predatory activity that the Consumer Financial Protection Bureau was designed to combat. As a mere customer, there is little that I can say myself that Wells Fargo will listen to. I know their behavior is wrong, they know it, and now you know it. 
Please help make it right. 
