Consumer complaint received 2017-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing you to express my concern about the closure of my checking account and my name put in the XXXX XXXX XXXX. On XX/XX/XXXX, I contacted your customer service department to make arrangements to bring the account current. I spoke with one of your representatives and explained that I can make a deposit on XX/XX/XXXX which is my payday. The representative was agreeable and told me that I can make the payment on XX/XX/XXXX. On XX/XX/XXXX I checked that account to see how much I would need to deposit and discovered that the account had been closed. I then immediately contact Wells Fargo customer service department and spoke with a representative named XXXX. I explained to XXXX what had transpired and she checked the account and acknowledged that the account had been closed. I then explained to her that I had made arrangements to make a deposit on the XX/XX/XXXX. She checked and said that a statement had been put into my account stating that she had given me until XX/XX/XXXX to bring account current. Then I asked XXXX, why was the account closed, she stated that accounts automatically close after 60 days, which my response was, Why did the previous customer representative agreed to let me make my account current on XX/XX/XXXX. She was unable to give me an answer. I requested to speak with someone in the executive office, she then transferred me to someone named XXXX or XXXX whom stated he was a representative of the executive office. I explained to XXXX XXXX the situation and right off the bag he began to state that all accounts are closed within the 60 day period. I went on to ask hem had he reviewed my account, he stated not yet. I then asked him how you can be judgmental about this account until you do a thorough review. I also explained that I was given until theXX/XX/XXXX to bring account current. He stated the representative must have made a mistake. I then asked him why I should be penalized because of a mistake your representative. He was unable to answer that question. I found XXXX XXXX XXXX to be cold and uncaring about customers. I then told him all I want to do is pay the overdraft and not have my name put in XXXX XXXX XXXX. He then replied we report all accounts that are closed. At this point I decided I was hitting my head against a wall. XXXX XXXX stated he will investigate and call me back. I was not available for the next several days due to I was on travel. I returned today and did have a message from XXXX XXXX stating that he called, but didnt leave a resolution. I am writing this letter to you with an attached a courtesy copy of a summons that I will file to protect myself from being unjustly put in to a checking system XXXX XXXX XXXX after arrangements was made with a Wells Fargo representative to allow me to make my account current on XX/XX/XXXX. I dont want to reopen an account with your bank. I just want to pay the overdrawn amount and not have my name put in the XXXX XXXX XXXX. I will be looking forward to your response.

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 explanation