Consumer complaint received 2015-12-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

Essentially this is NOT my XXXX complaint about Wells Fargo Bank. They treated me like dirt when I was robbed a few yrs ago & wanted a HELOC loan as I was robbed of all my money, ID, etc. In any event, they lent me $ XXXX at 29.99 % with the understanding that THEY would deduct the monthly payment from my WF checking. Before I got that XXXX loan, they hit my credit reports XXXX hard inquiries in 3 wks. I complained to the CEO 's office & had to deal with the CEO complaint dept in AZ. They were ok, but did nothing to really help. I just figured I 'd let it go after I got removed all but XXXX of their HARD inquiries. Everyone knows a hard inquiry goes against your credit by about XXXX pts apiece ( they tell you XXXX pts ). OK, other problems with their ethics or lack thereof, but I recently sold a property & decided I was going to pay down ALL my open credit accts.XXXX, WF who was " supposed '' to take the money out of my checking for the payment ( their own bank checking ), on purpose my guess, took it out 1-2 days early. I do n't keep much in checking there ( at least {$5.00} because they took over my local bank that went bankrupt and was no charge but WF decided to charge {$5.00} if you keep less than average of {$1500.00} ). I am a senior citizen so I choose not to put any in WF but minimal. Several times, WF took payment early ( even though they knew I deposited a check from another bank & it was there & visible to me ), but they said money was not there so the " PAID '' to the personal line of credit. In paying to that personal line of credit, they charged me an OVERDRAFT fee each time of {$35.00} even though the money had been put in their bank ( they also HOLD CASH from XXXX inside WF acct to another JUST TO GET ANOTHER DAY OF INTEREST ). OK, I paid {$1200.00} from my WF checking on the XXXX, done online instant transfer to the loan account ( it showed PENDING for 3 days ... XXXX XXXX XXXX does not do that ). I then decided to put XXXX in my WF checking to pay another $ XXXX on that loan. So, I paid {$3200.00} on that loan knowing they put another HOLD or PENDING on the money transferred from their own acct. I just went in to transfer {$500.00} from my WF checking to that same WF loan. It says of course ... PENDING ( it 's cash for goodness sake! & their cash ). OK, I happened to look & noticed the change & I have not been notified by them, but I noticed it said all of the entire loan had {$390.00} available. Well when you pay as much as I have in 2 wks, I knew that was wrong. I looked & GOOD OLE WF BANK had lowered the amt of the loan from XXXX to XXXX ( of course with full intent in my opinion of destroying my credit ). I had XXXX bank do that a couple of yrs ago. So unethical. HOWEVER, at the time of this complaint, they have not bothered to tell me they have done this. I just happened to see that the amount of loan is $ XXXX & amount available is {$390.00} They are scum! I decided I am going to go into WF Bank on Mon. & pay the remainder in cash & close the acct. They are an unethical bank, will do anything to take a random $ XXXX in fees, PLUS they have a borrowing fee of no less than $ XXXX on this loan acct. I AM GOING TO CLOSE THE ACCT WHEN I BRING THE CASH TO THEM ON MON. I am just wondering if they will refuse the payoff. I do n't want any more money from that bank. They " claim '' they can not see the payments you make from other banks, but can they not see the payments you make from their own bank?? I 'm XXXX yrs old & I am highly ethical. It unnerves me to no end when you have worked hard for 42 yrs ( as I have ) & are treated so bad by A BANK W/NO ETHICS. I feel the public should be made aware of their lack of standards, tricks, tactics. This is crooked & WF does not deserve my business. I have another home on the real estate market ( this is a home that started off in the millions FOR SALE & it has been FOR SALE SINCE 2012, has not sold! It 's paid for. Needless to say, money will go to another bk.