Bank of the West Bank Account Or Service Complaint

Bank of the West Bank account or service department,

Checking account Account opening, closing, or management California

I formerly used Bank of the West in California for all my financial needs. On -/-/15 this financial institution forcefully closed my joint account without my authorization using funds from - of my individual accounts to cover the overdrawn balance ( $300.00 ). I was never contacted by this institution to inform me of the transfer of funds or the forced closure of the joint account. I would have covered the overdraft if I had known about it. The joint account was shared by myself and my wife, I only used it to transfer funds when she needed it. Since the account was operated and maintained by my wife, I was unaware of the negative balance. I contacted this institutions telephone customer service before -/-/15 to ask if the funds were wrongfully transferred and if the account was in fact closed. They informed me that it was in fact forceably closed. I than asked for copies of any and all disclosures which I may have signed on the account and or more particularly, the - which releases the need for my personal authorization to transfer funds between account I hold. The representative than sounded confused and informed me that this


asked to speak to a supervisor at which time, the representative informed me that the call center had already closed and she was the only person left in the building. I requested to see if some of the fees for this account which were well over - percent of the overdue balance could be waived or partially waived to relieve some of the hardship which seemed so wrongfully poised in my position. I was instructed to talk to the branch which holds ownership of my accounts. This branch is in - -, CA. It is - miles from my account. I requested long ago to have my accounts transfered to - -, CA. I was informed that the ownership of my account was not able to be changed and that I should close the accounts I had previously opened in - -, CA and than open new accounts with the branch in - -, CA. I declined to close these accounts since I did not see a need to burden myself with changing all of my finances to reflect the new account numbers. On -/-/15 I entered this financial institution 's branch in -, CA on - - to close my remaining Individual Checking Account and move on to another financial institution. When my turn in line came, I told the teller at the window that I would like to close my account. The teller handed me $1200.00. I asked him if the account was now closed. He confirmed closure of the account. Today, -/-/15 I received an overdraft notification from this institution for the account which they had confirmed to have closed on -/-/15. I contacted customer service. I requested to speak to a supervisor. Once online, I started from the beginning informing her of the joint accounts forced closure. She reiterated that the institution does not require a signed disclosure to transfer personal funds. I asked for copies of the disclosures on my account. None have been provided. The supervisor once again told me that nothing can be reversed from within the call center and I would have to return to the branch. I talked to her about the individual accounts closure. She told me that there is no papertrail proving my intent to close the account. I have since incurred an autodebit and monthly service charge which have forced the account into the negative, an account which should have been closed. I feel that this institution has wronged me. I feel that they are in the business to collect fees solely. I feel that they do not care. I am being wronged for a - time with no help.