I had a WF checking account in college, after I graduated I closed it down. Three months later, I began getting statement letters showing a balance of $1.77. I tried to call and cancel, but they said I couldn't unless I did it in person, with no branches remotely close I decided it wasn't a big deal. For ten years I received statement letters showing $1.77 and I tried multiple times to cancel my account which they would not do over the phone. Last November, I received a letter from WF stating that there were two overdrawn checks from my account and two overdraft fees they were expecting me to pay for. Someone had used my account info to open up an insurance policy (not in my name) with a direct payment from my account. Even though my account had been dormant for ten years & this would automatically overdraw me they allowed this to go through & didn't tell me until I was over $100 in the hole to them. When I tried to appeal, they would not give me any help because I could not remember my atm password from a decade before and eventually sold off my account to an independent collection agency. The account has now been sold twice more and now I can no longer dispute the charges. I can not understand why WF would allow purchases to come out of a dead account like that and then expect me to pay for their mistake, but seeing some of the other complaints against them maybe they are that incompetent.
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