Consumer complaint received 2019-11-25
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the evening Friday XX/XX/2019 WellsFargo took  {$390.00} from my checking and {$560.00} from my savings. When I had called Wellfargo that evening to discuss the reason for the charges. The customer service was very nice but not helpful. She could not tell me much about the charges except it was for a credit card that had been closed. 
Note : 1. This credit card does not appear anywhere on my account.

2. This credit card has no way for me to track how much is owed, payments made, or anything relating to this account. I do not recieve any paperwork, statements, or access to this account 3. This account is on my credit report as a write off.

4. This account is old and i do not have the card number anymore. 
5. When I have called in the past welfargo employees can not find any information on the account.

I have recieved one letter in the last year from the law group well fargo is using to try and sue me through on XX/XX/2019 for a total amount of {$190.00} I understand that I owe the amount on the credit card and that payment arranges need to be made. I communicated with XXXX XXXX  XXXX that I am low income make less then {$2000.00} a month and that I was in a very difficult spot with finances after leaving my ex. 
XXXX took all funds from both my checking and my saving account WITHOUT notice. These carges also posted before other automatic payments scheduled and payments that day that had been charged before the amount was present on the account. 
According to the federal law and regulations, finacial institutions CAN NOT do a set off of money in an account to cover a credit card, unless it is authorized through automatic payment which this was not. Also a can not be used if they have not taken individual circumstances into acount and whether the money might cause hardship. 
This withdrawl has caused hardship because I am left with no money for gas, food, or other necessities for myself and my XXXX year old daughter. 
They are supposed to warn you clearly in advance I only received an email on XX/XX/XXXX, XXXXstating i was getting a letter regaurding the account. I have not yet seen that letter. It did not say what it was regaurding or any information. 
When I contacted WellFargo today XX/XX/2019. The Customer Service was very rude, not helpful and just refered to me somewhere else. She could not give me a lot of information regaurding my account. 
Also WellsFargo allowed transactions that should not have been allowed to go through to be processed leaving my account in the negative with overdraft fees and no means to avoid, or pay off these charges. ( these charges were set up and being processed before wellfargo took money ). The charges normally do not process if the funds are insufficient so this also does not seem right. 
WellFargo is taking advantage of my account and myself, leaving me with no funds to take care of everyday needs. I would like to file a complaint that taking this much out of not only a checking account but also savings when the account was at less than {$1000.00} funds is wrong and adjustments need to be made. 
WellsFargo is sneeky about how business is handled, and they do not care about the well being of their customers.

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