<prompt> Human: Hello rpersonalfinance,This is a rather sticky situation, and it all happened a while ago, so bear with me please. I will post a TL;DR at the bottom. In 2013, I had a Wells Fargo savings account, checking account, and credit card. These accounts were all PMA accounts under my father, set up so that they supposedly had no fees. I found out that I could bank at USAA, so naturally I switched. I transferred all my savings and checking money, and went in to my local Wells Fargo branch to close the accounts. I spoke to a gentleman who assisted me and was friendly. I left the credit card open, despite having a USAA credit card, in case of emergencies.At this point, I went to New Mexico for the summer. I work in a place where there is little to no internetphone connectivity. Midway through the summer, I had internet access and received an email from Wells Fargo about an overdraft. I logged into my account to find that Wells Fargo did not, as I asked, close one of my accounts, and was charging me a service charge on an empty account. This triggered my overdraft protection on my credit card, charging me the 5 plus an additional 30 fee. I tried to contact Wells Fargo but was unable to before I had to go back into the backcountry. Lo and behold, when I returned again, there was another charge. At the end of the summer, I had three such charges on my credit card on an empty account that I had closed.I went to the branch upon my return to the civilized world, and tore the guy who helped me a new one. He apologized profusely, made up some BS about the service charges pinging my account back open, and immediately closed it, promising hed refund the charges. Sure enough, the charges were refunded and the account closed properly this time. However, because apparently credit cards are handled separately at Wells Fargo, he was unable to refund the 30 overdraft protection fee, and promised to have his manager take care of it. At this point, I made the mistake of considering the matter closed, and forgot about it. Come 2014, I apply for a student loan consolidation from USAA, and guess who theyre working with? Wells Fargo. I was denied based on my excessive delinquent accounts. At this point, I begin receiving collections calls over a 150 debt I owe WF on this credit card. I told them the situation, and the representative accused me of lying to her. I have tried calling several times, on several different customer support numbers, and have had no progress. I have attempted to go to the location where the error occurred, but they are only open on weekdays and I go to school in another city. Im at the end of my rope. My credit score is suffering because of this deliquent account, and going in in-person does not provide any help. At this point, my dad is planning on going in to the offending location and threatening to remove his substantial investing accounts from Wells Fargo if they dont fix the error.TL;DR: Wells Fargo did not close my account when I asked, and is now claiming I owe them 150 of incorrect service fees on an account that wasnt even supposed to have service fees.  <response>: Sounds like you could have a Fair Credit Reporting Act case, if its affecting your credit scores. Ive also had a colleague who had a heck of a time closing her Wells Fargo accounts. Look up the rules on the CFPBs website or FTCs website, but if its showing up in your credit report, you should make a demand for them to investigate the trade line. They have 30 days to investigate and fix the problem. They most likely will not do anything other than tell you they cant do anything surprise surprise. Then you can file an FCRA claim. 