Yes!! I found a way!

No, that is exactly what I did with Wells Fargo, except I actually lost my purse. They then forced back open the account when the ACH transactions went through. Told me that even though my purse was stolen it didn't change the fact that I had authorized these companies to debit the account.

You may get lucky and that may work, but WF is one of the worst one's with this sort of thing.

well if I send them or fax a latter revoking authorization, will they reverse the charges if I show them the letter?

I just flat out closed my acct. and the payday lenders that tried to debit were just told that the acct. was closed. The bank didn't try to re-open it. Closing it is worth a try, I suppose.

they said only if the ach is scheduled to go through within a day or two of the closing, will they re-open the account. Since mine aren't until next week, it should be fine.....whew!

It depends on the bank what they will do.

Some banks honor a closed account, while others will force it open. WF will force it open. I had a terrible time dealing with them, and I know the ins and outs of banks. I'm not saying things won't work for you, but that's the exact same situation I was in. I was told since my purse was stolen nothing else would go through. They forced the account back open about 2 weeks later and it eventually went to -$800. All in fees since I didn't have overdraft protection. They credited the first batch of overdraft charge, but they still wouldn't reclose the account since it has to have a positive balance for at least a day before they will close it. The pdl's kept trying to debit, even though I showed the bank proof that I had revoked authorization, and the overdraft fees kept piling up. The bank continued to allow this to go on for about a month and a half, then finally closed the account, reported me to chexsystems, and sent me to collections.

Again, I'm not saying for sure this will happen to you, but that is my experience with your bank and that situation.

WF policy is ach transactions within 30 days of account closing will reopen a closed account.

Just so you know, you can call the bank and talk to 3 different people and get 3 different answers to the same question. They don't always know what will happen to closed accounts.

Their banking procedures sound as crooked as their home mortgages. They will foreclose on you if you are even one month late.

They are in my opinion the worst one out there. They tried to screw my parents over when they refinanced their house by calling the company my parents were refinancing with and telling them my parents changed their mind! We were shocked when we heard that. They play very dirty.

I'm hoping that your account will stay closed guest, but I would not be surprised if it didn't.

Keep us posted on what happens. It would be nice to hear that WF is treating people better now . . . .

Yikes...and to think I was looking at a checking account with them a while back. Glad I didn't.

I have quite a low opinion of them . . . After my account went into the negative due to theft of my purse and repeated attempts by pdl's to get money, they sent me to chexsystems, and that caused my other bank to freeze and close all my accounts. At the time it totally sucked. I kept all my money in the bank at that time, and had nothing for over 2 weeks.

WF, is that Wacovia(spelling?), if so. I find this interesting. Because I paid off my car well over a year ago and just now got the title to my car.

Wells Fargo

But I've heard that Wachovia has been going downhill in the last few years. But I don't have any personal experience with them.

But a year to get a car title doesn't sound like they have things together.

that you can dispute it with chexsystems. Can't you tell a branch manager the story and say they were in violation of letting these charges go through if you had revoke letters?

Your post freaked me out so I called WF 6 different times and spoke with someone different everytime, they assured me no ach's will go through on a closed acct. I will post in a couple weeks and let you know.

I wouldnt trust Wells Fargo as far as I could throw them if there checking is like their mortgages. I agree with Tammy 100 percent. KYSIDE38

I am so glad that my grandmother no longer has a loan with Wells Fargo because they are lying cheaters. When she would make a payment in the store, the company said that never got it. So then they noticed that she wasn't the only one because there were a lot of people who wasn't getting their accounts credited for payments. Turns out that the guy who was in charged of taking their money may have been taking their money so the company told her to start sending the payments through the mail to them.

Those people are hounds as they continue to bug you.

I find this thread interesting, cuz I must be the only person with a good experience with WF. As mortgages go, there are the best company I have ever been with. A simple call and we can work out an issue or a short delay. I have never spoke with a rude on inconsiderate person with them. They have worked with me in the past to make sure I could keep my home.

I am not doubting that people have a bad experience. I guess I just wonder what makes me so special.

Wow ~ just reading all this about Wells Fargo....they were one of the companies we had tried to get our morgage thru so I am glad that it didn't. Because of our bankruptcy, they wouldn't take us. Of course I have not had wonderful experiences with Washington Mutual either. Since Monday (when I talked to them and told them I sent them out another payment because taxes got here), I bet I have talked to them another 5 times and there have been at least 15 more calls that I did not answer. Right after I spoke to one girl and gave her the information as to mailing out the payment (and she got upset because I would not give her my checking information for them to take another payment automatically out of our account on our next payday), less than 1 hour later I got another call! Would you believe it was the same girl!!! As soon as she told me her name and I asked her if she was the same one I spoke to less than an hour ago. She wasn't sure and started in on her spill and I asked her to read the previous notes, which she told me that she did not have time to and I told her that I did not have time to go through things again and to please look at the notes. She did and said oh yes, I just talked to you but I need for you to tell me again so I can put the information in again. I told her that I didn't have time and to take things from the previous notes and that I had to leave. She told me that I was making things difficult for her and I told her that she was making things difficult for me for having to repeat myself when she can just refer to the notes or put in her notes to see previous notes and that I had already been spoken to. Then I told her goodbye and to have a nice evening and hung up. I told my husband I was not talking to them again this week. I am tired of rude people and them insisting on getting my checking information so they can do a debit. I have told all of them that I did not feel comfortable giving out my information over the phone.

But enough of that....seems to be both WF and WM have a lot in common as far as tatics on mortgages