I had some illegal internet loans that I am in the process of dealing with. As many others have done, I wrote emails to the illegal loan companies, placed a hard hold on my bank account and planned on closing it. Wells Fargo is not letting me close the account because I have something called a Direct Deposit advance with them for $500. If you're not familiar with what that is, it's basically payday advances that Wells Fargo does (they deduct the loan principal and "fee" from each direct deposit that goes into the account).