<prompt> Human: This is the most ridiculous situation ive ever dealt with in my life so far. Id like to share the whole story to see if anyone has experienced this before and see if anyone has any advice. Im worried this will affect me in the future.Ive never gotten a bad check before in the 8 years Ive had a bank account, and Ive never ever committed fraud or anything like that. My boyfriend has Wells Fargo and I am dissatisfied with my current bank, so I decided to switch to his bank. I opened an account and my first deposit was a check that he wrote me for rent. He had just moved in with me and unfortunately in the move he had uncovered a checkbook from his OLD now closed bank account and we didnt realize until it was too late that hed mistakenly used it to pay me.I went to the bank a week after the account was opened to talk about it and learned that they had scheduled to close it, and I would have to call customer service when they opened monday to see what was going on. At the end of the chain of customer service people, I ended up in loss prevention. They informed me that due to the circumstances, they would be unable to help me correct the situation and that they were closing the account and I would need to find a new bank. I asked if I owed them the returned check fee and overdraft fee total of 47 dollars but he said no. I also asked if this would affect me in the future, and he again said no. The account was supposed to close yesterday, but because of the negative balance its still open. I called again today and spent an hour on the phone to learn I did in fact have to pay the fees and see if I could dispute it because I really do not feel this is right that I should have to pay this. I spoke first to loss prevention and asked more questions that I had thought of. They said that they wont be putting me on some blacklist and that if I wanted to share a bank account with my boyfriend hed have to find a new bank, which is unfortunate because we plan to get married soon. Anyway, they transferred me to collections and I explained what was going on to that guy and that Id like to dispute the fees, and he said that customer service would have to take care of that for me. SO I talked to a girl there who informed me that only loss prevention can do something about this due to it being a fraudulent check.So back I go to loss prevention who, of course, said they have no authority to override fees, and only customer service does that. Explaining the situation and that customer service said they couldnt do anything does nothing. SO I guess the only thing I can do is pay up.I am infuriated by this chain of events, and I feel like I am being treated like a criminal when I did NOTHING wrong. I didnt knowingly deposit a bad check, hell, I never even had the chance to activate my debit card, let alone use it!I get it, I know that they see me as risky and banks lose money in situations like this all the time. But fuck this. Theyve lost me as a customer, and soon my boyfriend too.On a related note, can anyone recommend a bank with locations across the US? Thanks for reading.edit: Please excuse the grammar errors, I dont feel up to correcting them. Thanks :  <response>: I hope you will take the opportunity to visit the bank in person. I can confirm that stopping by in person, being pleasant and dressing up a little can work wonders. Unfortunately its a fact of life that dressing for success is necessary, because people make up their minds about a stranger in a nanosecond - its a leftover survival tactic. Look upscale!Make sure you tell them that one reason you decided to switch banks was the great service they had provided to your boyfriend. Ask the manager to at least hear the whole story before making a decision unless at some point she stops you and says she can fix it.. And yes, bf should go with you and beg for mercy for his idiotic mistake made in the confusion of moving and confirm that hes destroyed the remaining checks from the old account so this never happens again and he cant believe hes caused so much trouble to this amazing girl and hopes shell continue to put up with me after all this. Practice beforehand.Print out your account of what happened in an easy-to-read format with dates and names of those you spoke with. And if the manager does fix the problem, it wouldnt hurt to stop by later with a small gift for himher that can be shared with staff. I have accomplished wonders with a box of homemade oatmeal or chocolate chip cookies. The branch managers we deal with know us.I hope you get this solved. If the branch manager cant do it, ask for a meeting in person with hisher boss. Your good name is too important to be ruined over this. 