So, because that took the balance to a negative amount, Wells Fargo decided to allow the purchase (why?) and then debit my account by $35. Thirty-freaking-five dollars to send a form letter. An automated form letter that cost them the price of a stamp. It’s worse than that... there’s a $5/day fee as long as it stays overdrawn, it took 3 days for the letter to get to me, and it’ll take 3 days for funds to get there from my ‘real’ account. That’s another $30...

Well, I’ve had enough of it. I’ve had enough of being charged stupid amounts of money (almost 10x the amount I actually went over-drawn in fact) - I’d far rather the invoice just went unpaid. I’m far more likely to actually do something about an unpaid bill, after all...

So, with Wells Fargo having pissed me off once too often, what recourse do I have ? Well, it turns out I have my mortgage with Wells Fargo - with about $1,000,000 left to pay off in interest over the years. That money will now be going elsewhere.

Well done, Wells Fargo. Having ripped me off to the tune of $65, I’m now going to take over a million dollars away from you. Good piece of business, that...



update (13th August) :
Having just checked my bank account, it seems someone paid attention to my letter, and the various charges (they’d added up to $165 by this time) have been refunded back into my account. Well done Wells Fargo. Thanks for listening. I guess you get to keep my mortgage cash after all...