Leigh thought that she had laid her Wells Fargo checking account to rest. It was closed, gone, out of her life forever. When some forgotten auto-payments hit the account, though, instead of rejecting the payments, the bank zombified the account, brought it back to life, and charged Leigh and her husband a $35 overdraft fee for each item that hit their account. Wells Fargo put them on a payment plan to repay their balance, then turned around and sent the account to collections less than a month into the agreed-upon payment plan. Now they’ve been flagged as overdrafters in the Chexsystems database, and are still watching the account to make sure that no erroneous auto-payments hit it and trigger more overdrafts.
Cassie writes that she is trapped in an extra special circle of banking hell. No matter what she does, Bank of America is unable to close her checking account. Just when she thinks it may finally be dead, the bank charges inactivity fees to her account, which in turn re-activate the account, starting the process all over again. It’s like the worst zombie movie ever.