justcallmejohannes

Former employee here as well. I witnessed bankers standing next to tellers at the teller window and when a college student (or looked like they were) came up the banker would take over the interaction, set up the conversation to pitch the college credit card, then say that "Hey, how about we'll send out some information to you about the college credit card, all you need to do is sign this PinPad." It was actually signing the application, and the "information" being sent out was either an approved credit card, or the packet of information explaining the application was declined. Absolutely hated working for Wells Fargo.

If you weren't meeting requirements to waive the monthly service fee your account likely got charged each month until it went negative, then most likely automatically closed with a negative balance, and got sent to collections. And, no offense, how do you have an account sitting for 5-6 years without looking at it?