In late 2014, I removed overdraft protection services from a Wells Fargo checking account. I did so while going through tough financial times to avoid the large and onerous {$35.00} overdraft fees. Through my Wells Fargo debit card, I have multiple automatically re-occurring payments set up for services like XXXX, XXXX and XXXX streaming video services. In the past when my account balance has been insufficient to cover those transactions, they 've been denied by the bank as expected. I can point to specific instances on XXXX XXXX and XXXX where this occurred. Last month, on XXXX XXXX, a payment was submitted by XXXX for {$8.00} when my account balance was a negative balance of approximately {$240.00}. As expected, the payment was declined. On XXXX XXXX and XXXX, I made deposits to my account totalling {$220.00} to bring my account balance to about negative {$20.00}. On XXXX XXXX and XXXX, XXXX reoccurring payment were submitted for which my account balance was not sufficient. Contrary to my expectations, these payments were authorized and I was charged for XXXX seperate {$35.00} overdraft fees, a total of {$100.00}. In contacting Wells Fargo today, they were unable to provide any explanation of why these payments were authorized and overdraft fees were charged, contrary to what has occurred on my account in the past. The only suggestion they could provide was that perhaps the merchant/vendor had done something different with the payments. To that end, I contacted the customer service of a specific merchant ( XXXX ) to check to see the payment they submitted on XXXX XXXX differed in any way from previously pre-authorized payments. Per their customer service, it did not. I was also advised that XXXX submitted another pre-authorized payment attempt on XXXX XXXX which was also declined by Wells Fargo. So far in contacting Wells Fargo, I have been unable to determine either why payments in the past they claim should have been authorized were not, nor why payments these payments were authorized, despite of payments for the same amounts from the same vendors in the past being declined. I suspect, though can not confirm, that there exists some rule within Wells Fargo ( perhaps unknown to their customer service representatives ) that overdraft transactions are somehow authorized or declined based off of account balances. 
