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So even though I do not have an account at that bank, I would incur fees from the banks even though I never signed any sort of fee agreement with them? How can that be enforced? I don't get how that is legal.
That wasn't your question.

Your question was

Quote Quoting Person12
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CAN WF even ATTEMPT to charge me (I hear it can be $100) for processing the levy?
Emphasis on "can" and "attempt."

A "yes" is the only possible answer to that question.

Quote Quoting Person12
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I can only assume that this place has put some sort of monitoring service on my credit report and every time a bank inquiry is made on it then they try to levy it. The thing is though the account was not created because my app was denied.
If your credit report showed only the inquiry and not that you were denied the account then the creditor would have good cause to levy the account and any charges incurred by the creditor would likely be enforceable against you.

Quote Quoting Person12
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Are there any legal recourses that I can take to force them to reveal how they are obtaining my banking info (even if it was wrong).
No.

Once somebody gets a judgment against they can get information about you in any legal manner and hassle you till the cows come home or you pay the debt.

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I do not think this place is going to summon me for a debtor's exam. That would require they also appear in court right?

They are a large firm that appears to handle all the cases for this specific client across the entire state. The law firm is several hundred miles away and has 1 single office. I doubt they will travel that far. Or can debtor's exam be done outside of court (interrogatories mailed), etc?
I doubt that any experienced creditor would waste time trying a debtor's examination by mail because the vast majority of people the creditors go after are ducking the debt and ducking any kind of collection effort so the creditor relies on the court to put the debtor in the hot seat.