Why even have telephone representatives if we can't trust them to answer our questions?  We are not all going to have time to find our disclosure agreements (especially as I have moved several times) so we trust that when we call a company and ask questions, we will be given complete and accurate information with which I can then make decisions and act on them. 

I called Wells Fargo to ask about closing my account, and specifically asked if I would incur any fees upon doing so.  I was told no.  After the fact, I realized I had been charged an $8 bank fee. 

When I called in to question...