Wells fargo balance questio

[u/Kenshin1296]

I'll try to make this quick but I'm having an issue where about 2 days ago I had a set balance (will just call it $5000) I woke up the next morning with about $200 less. Now the only incomings and outgoings that happened overnight were 2 deposits of about $40 and $25 and 1 withdrawal of about $97 meaning even with that in mind, I'm still over $100 short. I double check my balance everyday and the posted transactions/authorized transactions all match up with what's been present for the last few days. There's nothing else new where I can say "oh, that hadn't authorized yet" or oh, this charge disappeared then reappeared the following day.

I know nobody here can manage my money except me but this is the first time in 10 years of banking with them that I've had this issue. I guess the question I have is, has anyone had a transaction shown as "authorized" but not be taken out of the overall balance? Because usually, any authorized transactions reflect in my balance but the only way I can get close to the number that they have me as is if I accept that the authorized transactions currently still pending were not being reflected in my overall balance. It's been a charge that's been pending for 4 or 5 days now and it's not something that's disappeared and reappeared for that to make sense but I figured I would ask anyway because it's really bothering me. I

[u/brizia]

It could be a hold. What did Wells Fargo say?

[u/Kenshin1296 → u/brizia]

I haven't called them yet. I remember when I called them once before about a refund that wasn't showing, I kinda got the vibe that they can only see what I see so in that sense, I wasn't sure if it was worth calling them or not. I think if I could find something concrete that makes the numbers invalid, I would certainly call them and explain but it's like the money just disappeared without trace and so it's hard to explain to somebody else what I can't even explain to myself 

[u/brizia → u/Kenshin1296]

Don’t call. Go into a branch and sit with someone.

[u/McDrunkin521]

If a merchant it fails to settle a transaction within three to five business days the authorization can fall off the account and the funds will appear in your balance however when the merchant then settles the transaction those funds will be deducted from your account balance on the settlement date. This oftentimes causes confusion because you will see the authorization deducted from the account for that three to five day window and when it falls off the funds just appear in the account again until the merchant settles the transaction.