Complaint Review: Wells Fargo

I had direct deposit at my Wells Fargo account from my job at Walmart in Napa California.  I began using billpay, requested an auto loan, made a monthly budget using the online system offered.  To talk with the bank personally, I went into a Raley's grocery store to speak to their financial people at the store's Wells Fargo station.  I had gone to CarHop in Vallejo, CA to try to purchase a car and my bank information began being used fraudulantly = the reason I went in to speak to someone face to face.  A monthly charge of 21.95 began being taken out of my bank each month for three months and was done online.  This was not something I did - the charges being taken automatically from a phone request.  The banker guy made a report and removed the charges but then I began having $35.00 charges for insufficient funds one right after the other when there were funds in my account.  This particular bank office also issued me three new cards: two without chips, one with a chip.  My account was then refused any online charges which meant I could not do any purchases inline, which I do not do anyway.  Then after the account closure I attempted to speak to a bank rep using an 800 number and this man told me he used to be a car salesman and was now working for collections dept.  Weird, and no resolve to my problem of fraudulant charges to my account.  I then received an email saying my requested new card was being sent via mail.  I received it and tried to activate it to no avail.  This card was numbered differently, not like my original Wells Fargo bank card.  I do not owe this amount of money and now my credit will be ruined?  I have all the cards they gave, the email sent, and my bank statements, and bank deposits to prove what I am saying is true.  How do I resolve this matter?