I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.