Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is about  XXXX  accounts ; please read to the bottom.    Wells Fargo Account Number   XXXX  - Closed account in  XXXX    XXXX  . Went in person to the branch in  XXXX , TX on  XXXX   XXXX .  Closed  and paid a mortgage in full, withdrew all remaining funds from an IRA ; closed a savings account and closed this checking account. In person so I would not have any further issues with  Wells Fargo. Now, I receive a statement from Wells Fargo f or Account number  XXXX  with an Overdraft Fees Charge off of {$35.00} + Closeout Chargeoff Credit of {$10.00} for a total of {$45.00}. I have been on the phone with  XXXX  departments of f Wells Fargo including the Collection Dept and the Executive office. They told me to drive back to the branch off ice and talk to them or pay the fees because it is not the  Collection Dept or the Executive Office 's iss ue that the branch did not close the account correctly. The  Executive o ffice says a charge of $  XXXX  {$11.00} from  XXXX  was pending and it is my fault that  Wells Fargo did  or did not pay it - she would not say - she / the  Executive  office only said it is not Wells Fargo fault  and I have to pay this {$45.00} for a  XXXX  pending transaction that the branch personnel did not see in the computer when closing my account. At the same time as I closed the account  Wells Fargo  did another overdraft fee against my account for the Paid in Full Mortgage Account.  Wells Fargo  is over drafting and charging fees without permission. In order to stop them from putting this against my credit report I was forced to pay it again now through the collection dept because the  Executive  office lady said she ca n't take payments and they will not fix their error. I also told her 'pending ' electronic payments is why I closed all accounts with  Wells Fargo ,  for months  WF  would not stop withdrawing money from  XXXX  account. No person a t WF  could verify why their computer system was still withdrawing from my  XXXX  account ; the  Executive offi ce just now told me that is not her concern because it is a different bank  XXXX  but actually it was WF that was withdrawing without permission.  XXXX  stopped all  WF  withdraws and did not charge me an overdraft and did not charge me a stop payment fee for  WF  wrongfully continually trying to take {$25.00} a week out of my  XXXX  account. For this issue I had also gone to the  XXXX , TX  branch  and they told me they do n't see why  WF  is taking {$25.00} from  XXXX  as I do not/did not have automatic withdraws set up ; in their computer the withdraws had been stopped months prior.  WF  is using their poor computer software system to charge overdraft fees without proper authority. The owe me my {$45.00} + the overdraft fees from the checking to mortgage account when the mortgage account was paid in full. I know they wo n't refund or pay it back to me which is why I closed all accounts at  Wells Fargo  including the Estate Account I set up on  XXXX  account ending in #  XXXX . I paid the mortgage #  XXXX  they say is over by {$410.00} the account is  Way to Save Checking Estate  Account is overdrafted. And my account #  XXXX  is now being paid over the phone by echeck from my  XXXX  account. The mortgage was paid in full along with all taxes, all fees, everything but they now say the estate account has a due balance from a mortgage was paid in full.

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