I would be guessing... but you did mention that the loan is from Wells Fargo and your account was with Wells Fargo.
Sometimes when you open an account and sign paperwork it says in the fine print that they can deduct money you owe them from your account without specific permission from you...
OK... this is a long story.
My Dad and I bought a piece of property a few years ago. I have had little involvement except for having my name on the deed.
My Dad and a neighbor verbally agreed (I was there and witnessed it) to have Dad place a fence in an easement that seperates them. Its...