Product: Checking or savings account

My name is XXXX XXXX, and I switched my banking services from Wells Fargo to XXXX XXXX XXXX XXXX. In XX/XX/year> I deposited two checks totaling {$30000.00}, and, according to documents from Wells Fargo, they honored the checks on XX/XX/year>. 

However, I've encountered a significant issue. Despite providing the necessary documents to XXXX XXXX in XXXX, NJ, I was unable to recover the funds for months. The latest information from the bank manager indicates that the credit union is unable to verify the funds, requiring additional documentation on the source of the funds. While I understand the need for verification, I've been informed for two months that Wells Fargo is holding the funds, and now I'm being given conflicting information. 

Complicating matters, I owe Wells Fargo {$5000.00} due to an excess amount given in the check, and I have a tight deadline of four days to return the funds. This situation is putting a strain on my financial obligations, including bills, a mortgage, and a car note.

I'd like to highlight that my family has been banking with XXXX XXXX XXXX XXXX for over 20 years, and I've always valued the relationship we've had with the institution.

I appreciate your prompt attention to this matter and kindly request your assistance in mitigating this situation. I've begun recording my conversations with the bank manager, as I've received inconsistent and vague responses during my multiple visits to the bank. 



I sent this email to XXXXXXXX XXXX XXXX XXXX  XX/XX/year> and since then I have been in financial disarray. The financial strain that this situation caused completely destroyed my life. During the time I took out several loans and maxed out credit cards I have been reeling ever since. I still dont know why any of this happen. For month XXXX blamed Wells Fargo and Wells Fargo blamed XXXX. I visited the both branches multiple times called out of work multiple times sat in banks for hours while being told to wait and not be seen even with no one in the branch Ive record conversations. That i believe I still have on an old phone hopefully. I ve sent message through email and XXXX Ive contact customer service over the phone Ive tired every ave for months to resolve it. And still one year later Im still experiencing financial issues and on the brink of losing everything. My complaint against Wells Fargo is they closed my account because of disputes but my argument with them was that all my dispute are valid with proof provided the last dispute I made was with XXXX XXXX for a substantial amount the reasoning behind was I bought items from XXXX XXXX using my debit card XXXX XXXX cancelled my order and requested I go to another state to pick up the refund in person when I paid for items online with my card with didnt make any sense so I contacted Wells Fargo to dispute to have my funds sent back to my card where they originally came from. The next thing I know my account is closed Im denied any access to any Money even being at Wells Fargo branch on the phone with a rep who telling me I can get cash from a teller Im being refused while On the phone at one point another day I was told I could withdrawal all my cash the next day because they need to prepare I returned and nothing my car ran out of gas on wellsfargo parking a lot I had no acesss to my life saving in the bank. I came to the branch to make a withdrawal and was literally refused service not even to answer a question anything for no reason I was told I had already been served and I need to go at that point I become irate this is in XXXX branch I went to another branch in XXXX and was told i was going through this because I was XXXX I was floored. I later get a check which take to XXXX which causes even more months of not having funds.