Product: Checking or savings account

Problem : Lack of money in my Wells Fargo accounts, followed by stopped online banking & frozen accounts. 

I am a loyal customer of Wells Fargo Bank since XX/XX/XXXX. Over the last 20 years, I have had no problems with the bank. I have two bank accounts in the bank. Part of the deposits in my accounts are from the cash sale of bitcoin or online transactions. I use the platform at XXXX for bitcoin sales. I 've been trading there since XX/XX/XXXX, and I have a 100 % positive rating. 

I 'm sending bitcoin for the money that the buyers is paying with. For all transactions there is a record of the security information along with the receipt of the trade. Bitcoin transactions can not be reversed, this is the way the currency is designed. Because of this NO one can return the Bitcoin after seller released BTC to buyers. That means, once buyer have their bitcoin, they can dispute their payments and have both, the BTC and their money charged back. 

On XX/XX/XXXX, I began to accept payment of bitcoin trade through the Wells Fargo integrated system with XXXX. XXXX is supported by most XXXX XXXX and facilitates payments to consumers as the amounts are deposited on the payee 's accounts instantly. Between XX/XX/XXXX XX/XX/XXXX, almost every day I received bitcoin payments through the Wells Fargo integrated system with XXXX. 

During this period a number of terrible problems have arisen, created by Wells Fargo Bank. 

PROBLEM 1 : - On XX/XX/XXXX, I received an email confirmation from Wells Fargo about 4 received payments for a total of {$2500.00} from one and same person - XXXX XXXX XXXX in relation to bitcoin trade I have had with that person : " You received money with XXXX. This money will be deposited in your account XXXX within three business days. '' - Based on the message from the bank, I released the escrow of the BTC at XXXX. 
- To date, the {$2500.00} has not yet been credited to my account. 

PROBLEM 2 : - On XX/XX/XXXX, I tried to access my online banking to check for an expected incoming deposit. It turned out that my online banking was blocked. I immediately called the bank and explained the issue. After a routine check of my identity by a bank agent, my online banking was restored immediate. 
- 30 minutes later I received an email from Wells Fargo bank, stating : " Your delivery preferences have changed '' - preferences that I had not changed. I tried to get into my online banking and found that my banking was blocked again. Again I called the bank. Now they told me that there was an unauthorized transaction from XXXX filed against my account and there would be an investigation involved. During the investigation, I wont have access to my online banking. I was told to call again in 10 business days. The agent ( a woman ) was unacceptably untrustworthy and rude ( this can be verified by reviewing the recorded phone conversation ). 

PROBLEM 3 : To save money on bank transactions, in the event of a trade, sometimes I use the services of XXXX. XXXX performs authorized transactions through ACH electronic payment at reasonable prices. With XXXX, I have an account opened in XX/XX/XXXX. As of XX/XX/XXXX, I did not have a single incident with XXXX - NOT any more, thanks to Wells Fargo! 
- On XX/XX/XXXX, I authorized two ACH translations through the XXXX system, totalling of {$4200.00}. The next day the amount was debited from my account. 
- On XX/XX/XXXX, I received a shocking email from XXXX. They informed me that Wells Fargo did not authorize the two ACH payments of {$4200.00}. However, these amount were withdrawn from my account in Wells Fargo Bank. So, I became in a debt to XXXX out of these transactions with {$4200.00} - an amount that has been withdrawn from my account.