Unauthorized back account unauthorized

[11cami11]

Jurisdiction

North Carolina

My bank at Wells Fargo I over drafted my account. They sent me a bill in 2014 I started paying on it 50.00 the first month. I never received another bill to pay on it. I noticed in November of 2015 Wells Fargo took 50.00 out of my account. I called the bank immediately she said I authorized this a year ago. I said no you used a check number that I wrote to my mom in October. These are brand new check numbers that I just got. I have never received a bill to tell how much I still owe they keep taking the 50.00 out. This is so aggravating to me. To me this is illegal by the creditor.

 

[adjusterjack]

No, it isn't illegal. In fact, your account holder's agreement (the folded up thing you got when you opened the account and threw it away) allows the bank the Right of Set Off.

Besides, the bank had no obligation to send you another bill after sending the first one. Simple arithmetic would have told you how much you had left to pay or you could have just called the bank for the balance.

The bank did nothing wrong.