I was sent to collections for a bill that Wells Fargo paid on my closed account.
In October 2012, I closed my business banking account at Wells Fargo. I was told to withdraw all the funds and then the account could be closed.
In November, I received a bill for $45 for a Client Analysis Service Charge. I was told the fee was incurred on the day I closed the account, so I paid it.
In December, the bank initiated payment for a Bill Pay that hadn’t been used in over 6 months. As a result I was charged a NSF fee of $35.
On January 14, 2013 after speaking with the manager, the NSF fee was removed from the account, and they assured me the account would be closed the next day.
On January 29th, I received another NSF notice because the bank paid a draw on this closed account for $131. And of course a NSF for $35. I called the bank branch to find out why the account was never closed and someone explained that it was the fault of the payroll service that drew the payment. She told me that they would call me and tell me how to proceed.
I didn’t receive a call back the next day, so I called and left a message for the manager. No callback all week.
On January 31st I received a letter from the bank informing me that since my account was in a prolonged overdraft status, they were closing the account and sending the amount due to collections. At another branch I was told to call the 1-800 number to speak with someone to get the NSF fee removed. I was transferred from department to department five times, and was finally told that I would have to get the NSF fee removed at a branch. At that point, I was enraged.
I paid the amount outstanding on February 6, 2013 because I know that no one at this bank knows what they are doing. All I wanted was for them to admit their mistake and fix the problem. Apparently that was too complicated for them.
Product or Service Mentioned: Wells Fargo Banking Service.
Monetary Loss: $35.