REGARDING A CLOSED DEBIT ACCOUNT WITH WELLS FARGO. XXXX, 2014, MADE AN ONLINE PURCHASE WITH XXXX XXXX. TICKET WAS NEVER USED. XXXX, 2015, XXXX AGREED TO REFUND MY PURCHASE. THEY SAID THE CREDIT HAD TO GO BACK TO THE ORIGINAL DEBIT/CREDIT ACCOUNT. EXPLAINED TO XXXX ... MY ACCOUNT WAS CLOSED. IT WAS SUGGESTED TO CALL WELLS FARGO AND EXPLAIN TO THEM A CREDIT WAS COMING ... AND, TO ISSUE A PAPER CHECK TO ME UPON RECEIPT. WFB, AGREED. CONTACTED XXXX TO TELL THEM GO AHEAD AND PROCESS THE CREDIT TO WFB BASED ON THE COMMITMENT GIVEN TO ME BY WFB. HOWEVER, WHEN WFB RECEIVED THE CREDIT ... THEY DIVERTED THE FUNDS TO MY CLOSED ACCOUNT STATING I HAD A NEGATIVE BALANCE. BELIEVE WFB ERRED AGAINST THEIR POLICY. THE PRESIDENT OF THEIR DEBIT/ATM DIVISION INFORMED ME ... IF THE ACCOUNT HAS BEEN CLOSED FOR 30 DAYS OR MORE ... THE CREDIT IS RETURNED TO THE MERCHANT. BECAUSE WFB WAS ALERTED TO THIS INCOMING CREDIT ... THEY SAW THE OPPORTUNITY TO DIVERT THE FUNDS. THE CREDIT WAS NOT INTENDED TO BE POSTED TO MY CLOSED ACCOUNT. WFB HAD NO RIGHT TO TAKE THESE FUNDS. ONCE AN ACCOUNT IS CLOSED ... TRANSACTIONS CA N'T BE POSTED AGAINST THE ACCOUNT. WFB MADE A COMMITMENT TO ME HOW THE INCOMING CREDIT WOULD BE HANDLED ... THEY IGNORED THIS COMMITMENT. I KNOW FOR A FACT IF I HAD N'T ALERTED WFB TO THE INCOMING CREDIT ... IT WOULD HAVE BEEN RETURNED BY THEIR SYSTEM TO XXXX AS AN UNIDENTIFIED CREDIT. ADDITIONALLY, VISA, INTERNATIONAL INFORMED ME XXXX HAS THE ABILITY TO REVERSE THE CREDIT TRANSACTION. MORE DOCUMENTATION IS AVAILABLE. THANK YOU FOR YOUR TIME. PLEASE EXCUSE THE UPPER CASE LETTERS ... HAVING A PROBLEM WITH THE KEYBOARD. 
