This may also be a credit card complaint. I was issued a credit card over two years ago from a Wells Fargo branch that I did not authorize in any way. The teller asked me if I wanted overdraft protection on my account since my husband had it. I said sure and went along with my banking that day. When I received a card in the mail asking for activation I immediately contacted the branch and made a complaint. Action was taken with the employee and I never authorized my card. In XXXX 2015 my husband was reviewing our accounts and found that we had a late payment for about {$500.00}. This was stressing because we are very much on top of our accounts and have over XXXX credit scores that are very important to us and our business. We went into the same bank branch to determine what happened and it turned out that we overdrafted money one day when we made a withdrawal just before we deposited more money. This kicked in the overdraft credit card that I never authorized or even knew we had. We immediately took care of our charges, and asked the bank to remove the financing charges and any impact this would have to our credit. They removed the financing charges and we wanted to close the card, but they said it would impact my credit score. This seemed really unfair because I never approved this card, found out two years later it existed, and now ca n't close it without a negative impact on my credit. We had multiple conversations with the branch manager and it was moved up to the highest level of Wells Fargo, or at least that is what we were told, when they denied us the opportunity to close the card without a negative impact on my credit. I am reporting this in full as a complaint on the issuance of the card and the bank handling correcting a mistake. This has taken over six months to get the decline from the executive level of the bank and many hours of frustration as a consumer. 
