Product: Bank account or service

Good afternoon, I have a complaint about Wells Fargo, I have a home rebate card from wells Fargo and this card was for XXXX so I told them I wanted to use the money and to transfer it to my account so I can you it. So she transferred the money to my account and said the money will get to my account in about 5 business day and said the one time fee for the transfer is {$190.00}. After that I found out that the car I was going to buy, the money was not going to get to my account on time to buy the car because after that five days someone else will buy the car. So 15 -- 20 minutes later I called wells Fargo and told them to stop the transaction because I cane use the money anyway, the could be gone by the time it went through so I wo n't need the money. The customer service guy said that they cant put back the money, and I have to pay the transaction fee whether I used the money or not. Then I went back to my account and printed all my account information and told them I do n't need the money they should cancel the account. Then she said the account is canceled and there 's no outstanding fee. Three day later which is today from XX/XX/XXXX2016- XXXX/XXXX/2016, the money came in my account. So I called again and asked them why the money was still transferred into my account when I closed the card. They told me I have to pay the money back and the {$190.00} fee, I said I 'm not paying the {$190.00} fee because that would just be them robbing me blind, Because I 've had XXXX incidents happen to me through wells Fargo. When I saw a car in a different state and then I tried to buy it. I went to my account in XXXX and tried to wire the money from there but they said it was late XXXX, that if they sent it and somethin is wrong they would n't be able too get the money back. So I said OK and went to wells Fargo and they wired the money for me anyway {$3700.00}. After about 30 to 45 minutes I found out that that account was n't legit and a fraud. I picked up the phone and called them right away to try and stop the transition but they kept saying there is nothing they can do and I lost the money. This year XXXX I came to Wells Fargo again and transferred {$1900.00}. After 30 -45 minutes I found out the account is not genuine, so I went called first called them on the phone the went straight to the Wells Fargo branch I transferred the money with lucky the person the completed the transaction for me was still there and they said if I had came there 5 minutes earlier they could have got the money back. That one was gone. That was the day when I was going to leave the costumer service guy told me I qualified fr the home rebate card. I said I did n't need the card but he persuaded me saying even tho I did n't need I now that it was a one and half year no interest I figured it was a smart idea so I took it and left. since that day I 've had this card and have n't touched it, until I say that car I was going to buy. 
What I 'm saying is that I do n't see why I have to pay the {$190.00} fee because I did n't touch money its still there the card everything is in their possession. they are probably trying to spoil my credit, because I do n't think this Is how to treat man being. If this is how they treat he rest of their costumers they must be robing everybody blind. Please Ma'am/Sir I need a third party on this because they wont listen.