Wells Fargo: fee reversal

Collect

• statement showing the fee
• available balance by date
• deposit times

Steps

1. Check whether the fee should have been waived under the Extra Day Grace Period or the $10 rules.

2. Call general banking and ask for a reversal.

   PhoneGeneral banking, lost or stolen debit card, personal account fraud and identity theft +1-800-869-3557 Account holder only

3. If refused, complain on the feedback line or in writing.

   PhoneFeedback and complaints (1-844-WF1-CARE) +1-844-931-2273 Account holder only

4. Complain to the CFPB if the fee breaks the stated rules.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

More contacts for this issue

Facts you can cite

• Fee

  The overdraft fee for consumer checking accounts is $35 per item, with no more than three overdraft fees per business day for personal accounts.

  Source: wellsfargo.com, verified 2026-10-12

• Policy

  Wells Fargo does not charge an overdraft fee on items of $10 or less, or when both the ending daily balance and available balance are overdrawn by $10 or less.

  Source: wellsfargo.com, verified 2026-10-12

• Policy

  Extra Day Grace Period - if your available balance is positive as of 11:59 pm Eastern Time on the extra day, pending overdraft fees for the prior business day are waived.

  Source: wellsfargo.com, verified 2026-10-12

• Policy

  Wells Fargo does not charge a returned item (NSF) fee for items returned unpaid, and Clear Access Banking accounts have no overdraft fees.

  Source: wellsfargo.com, verified 2026-10-12

• Policy

  Wells Fargo consumer credit card agreements include an arbitration agreement administered by the American Arbitration Association; you and the bank keep the right to use small claims court.

  Source: wellsfargo.com, verified 2026-10-12

Rules not in force (do not cite)

• CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024) Vacated
  89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))

  Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only "stayed"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.

  Not in force. Do not cite it as current law.

• CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024) Repealed
  89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)

  Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and "shall have no force or effect". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.

  Not in force. Do not cite it as current law.

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneGeneral banking, lost or stolen debit card, personal account fraud and identity theft +1-800-869-3557 Account holder only

2. Written complaint

   MailGeneral banking correspondence (checking and savings) Wells Fargo Bank, P. O. Box 6995, Portland, OR 97228-6995

   For credit card billing errors, write to the billing rights address within 60 days instead. The feedback line also takes complaints.

3. Executive office

   MailCorporate office Wells Fargo, 333 Market Street, San Francisco, CA 94105

4. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

5. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

6. Arbitration

   Wells Fargo credit card agreements contain an AAA arbitration agreement; either side may use small claims court.

Watch out

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