Q: can someone garnish wages from a bank without notice??
My wife's Chase account had $24,000 garnished for something? 800 percent penalty???
no notice, no certified letter, nothing served not even mail was sent out.
The vast majority of garnishments are done After a judgment has been awarded, so the notice would have been (at least) notice of the suit by a process server, and notice of the judgment, usually by mail. After Judgment, the creditor is not required to tell you they're going to garnish your account before they do it; you'll get notice by being served a copy of the Application for Writ of Garnishment, but usually the bank is served first so that you don't empty the account.
I have no idea what you're talking about when you say "800 percent penalty," but a judgment (and the resulting garnishment) will have interest, court costs and attorneys fees added, which could be well in excess of the original amount that was due.
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