<prompt> Human: So I noticed a Wells Fargo CC ACH withdrawal the other day from my non-WF bank account. Thing is, I dont have any active Wells Fargo accounts. The only one Ive ever had was a dept. store credit card several years ago. Its been closed for about 3 years after being paid in full. Worried it may have been fraud, I went down to my bank and filled out the paperwork for ACH reversal as well as an ACH block for Wells Fargo. This morning, I received an email from Wells Fargo stating my ACH profile had been suspended had to have been on the old dept. store account, as thats the only WF account Ive ever had - obviously because I initiated a reversal and block at my bank.I contacted Wells Fargo, and they confirmed the ACH request went through in their system, but they blamed my bank. Yeah, Im sure my bank just decided to randomly send the monthly payment amount from a 3 year old account to Wells Fargo for no reason at all.Anyway, this is just a reminder to check your accounts often for any oddities. I almost breezed past this line item, but luckily I caught it... Wait a second... I dont have a Wells Fargo CC!Ill be avoiding Wells Fargo in the future. If youve ever had a Wells Fargo account - whether its active or not - you may want to keep an eye out for this. Im guessing it was some sort of software glitch, and Id doubt my account was the only one affected.  <response>: I used to work in ACH Processing for a different bank - I can say with a decent level of certainty that Wells is full of shit here. Theres no way an ACH coming from Wells was initiated by your bank. For every transaction there is an Originator usually a company and a Receiver either a person or another company. Even though the money went the other way, you are considered the receiver of a debit transaction... which makes Wells Fargos CC area the originator. Your bank doesnt have squat to do with it, other than posting as instructed. Having said that, one of the weirder curveball situations I remember researching involved an automated disbursement system which had been replaced kicking on after almost 2 years dormant. It sent maybe 20k out to 5 different banks and they didnt ask us about it until maybe 6 months later. I had to try and get it back. All that to say, it may not be anyones fault in particular. Shit does happen, this may not be malicious or even particularly negligent - it could just be a glitch as you pointed out. 