Consumer complaint received 2018-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Starting approximately XX/XX/XXXX-XX/XX/XXXX, many different problems began ocurring which were 'associated ' with my Wells Fargo accounts. I had a home loan with them as well as a trust account and a regular checking and savings account. One day I was in XXXX, CA at a Wells Fargo Branch. I locked my keys in my car so I went into the branch and an employee, XXXX, allowed me to use his W.F. phone to call a lock out service. If that wasn't upsetting enough, XXXX began to prod me for information saying I should open a personal line of credit and I said I absolutely wasn't interested. He tried to 'sell ' me on that idea over and over. I was infruriated as I wasn't there to get a line of credit that I definately didn't need or want. My son and I left on a cruise in a couple of days and when I went to the money machine on the ship I noticed an advance to my checking account had been made from 'a personal line of credit. What was this all about and the fees associated with this advance were totally unbelievable! Yes XXXX had gone ahead and opened this account without my approval. When we returned I went into the branch to speak with a manager who denied that this could have happened. Once XXXX saw me in the branch, he literally RAN away and out the door. Finally I received a copy of the application that XXXX had filled out as if I had been the person getting the acct. In the section for a signature it simply said 'no signature required. ' Soon an older sounding gentleman called me and he was very rude and told me I was crazy and that none of Wells Fargo employees would ever do this. Finally I got the account closed. Then in XX/XX/XXXX, I began to get notices about Overdraft Protection that I did not have and repeatedly money kept getting advanced out of my savings in rather large amounts to 'cover ' what they said had been needed to cover the overages. I was furious. I would go into a branch and be told the same thing every time : " you are a PMS customer and you should have NO overdrafts. '' I had an account which always had at least {$10000.00} and there just were no overdrafts. Sometimes they used an incorrect account number when notifying me The fees were excessive even if I did have any overdrafts ( which I did not ) This happened too many times and each time I waisted my time and the employees at WF who would always say " No, it looks like it has been resolved. You should not have received an overdraft notice. we apologize. " Then XX/XX/XXXX I received notice that I had identify theft coverage and I definately did not enroll for this and of course I was charged. I was notified that I.D . Theft Protection had detected recent activity on one or more of my accounts or on a line of credit. Well, as I said, I NEVER signed up for this protection and if anyone was stealing it was probably WF! Finally after alot of stress and waisted time I got them to close it. I asked over the phone and via an email and a letter how on earth this had happened and I got no response. To add injury to insult, I did receive a check about 1 year ago for {$1.00}. When I didn't cash it, I received a letter telling me to cash it. I was in the hospital ( and I can prove this ) for weeks before the deadline to file to take part in the class action suit. I contacted WF 3 days after the deadline and was told " sorry you missed out. '' I'm a senior citizen. I should never have had to deal with the incredible amount of stress brought on by my bank with which I had a {$800000.00} mortgage on for my home in XXXX, Ca, a trust and a checking and savings account. We were good customers - never late on a house payment, etc. What can be done now? I'm sorry but repayment of fees certainly isn't enough to repay people, such as myself, for the stress caused by the ill managed WF Bank. I lost sleep over this mess wondering why this was happening to me. I would become physically ill when I would see that I had yet another notice from this bank telling me about something or a charge for services I never ever ordered. I developed XXXX XXXX XXXX while all of this was happening. My stress over the bank issues just made it worse of course. I have all bank account numbers and many emails, letters, etc. with account numbers, etc. for you to review if you so desire. Remember, I had a different address then and I had several accounts and you only allow us to enter one so I entered my bank card number. Since all of this happened I have moved several times. I will be more than happy to supply any additional information including my s.s. number. I will not list that info here as I definately do not want a disgruntled employee of WF ever contacting me. They should be ashamed. How could they ... ..what were they thinking?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief