Consumer complaint received 2024-01-18
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I visited Wells Fargo XXXX XXXX XXXX to open two brand new accounts by using promotional code ( {$520.00} bonus for savings acct and {$300.00} bonus for checking acct ) per the email instruction from Wells Fargo Board Members because they do not allow consumers to open accounts online. I was waiting at the branch for at least one hour. A personal banker, XXXX XXXX told me she can help me to set up new accounts. She asked me to present three forms of identification : driver 's license, second ID and debit card. Also, she reviewed all my past banking records with Wells Fargo. She never informed me that I can not open new accounts with Wells Fargo on XX/XX/XXXX. I asked her to put promotional code on the applications : XXXX {$300.00} bonus and XXXX {$520.00} bonus. I told her to open an everyday checking and XXXX savings account. However, she suggested that I open a XXXX and XXXX account with a higher maintenance balance. She gave me an application package with promotional code listed including : application, debit card deposit confirmation {$50.00} for both accounts, deposit agreement, direct deposit form, temporary checks etc without her business card. She highlighted the promotion requirement : 1. {$520.00} bonus for savings account. Customer has to deposit {$25000.00} within 90 days after account opening. 2. {$300.00} bonus for checking account. Customers have to complete a {$1000.00} electronic deposit within 90 days after account opening. Wells Fargo will deposit a total {$820.00} bonus within 30 days once the requirement is met. I expressed my inquiry : 1. XXXX XXXX must pay back {$1000.00} bonus 10 % interest for defrauding customers at Wells Fargo XXXX XXXX XXXX. 2. Fraudulent checks {$750.00} and 10 % interest as well as all related damages, losses happened from XXXX to current - A thief from the State of Maryland cashed my checks without my consent at all. 3. customer 's privacy. 4. Promotional bonus {$820.00} must be paid for new accounts opened on XX/XX/XXXX. The Banker XXXX XXXX agreed to all these terms and conditions. On XX/XX/XXXX I closed my current accounts with XXXX. XXXX banker issued me two cashier 's checks to meet the Wells Fargo savings account promotional offer requirement. About XXXX, when I made a deposit at Wells Fargo cashier 's window, the teller was very rude to ask me to sign the checks with my signature. Then she told me she has to verify with XXXX XXXX and checks will be put on hold for 4 days. I was irritated by the intentional violation of banking policy. I told her bank official checks are the same as cash and guaranteed to pay. The bank XXXX XXXX asked me to her desk. She still refuses to give her business card multiple times. She said she is from another branch located at XXXX XXXX XXXX and XXXX XXXX XXXX of DC. Then she told me there is a restriction that she can not put deposit. She told me a staff " XXXX '' from the loss prevention department informed her that due to a past banking relationship with Wells Fargo, they want me to close these two new accounts on XX/XX/XXXX and refuse to release the {$50.00} deposit I made on XX/XX/XXXX per my request. I was extremely irritated to ask her to pay my damages and losses : 1. Breach of new accounts agreement and invade my privacy {$25000.00}. 2. Health damages {>= $1,000,000}. 3. New accounts bonus {$820.00} due to Wells Fargo 's breach agreement and deprive consumer right as well as failure to offer 90 days to complete requirement. 4. {$50.00} deposit back immediately. 5. two fraudulent checks {$750.00} at 10 % interest for 11 years. 6. {$1000.00} unpaid promotional bonus owed by XXXX XXXX etc. XXXX gave me a complaint XXXX XXXXXXXX. I told her to comply with all terms and conditions listed herein and do not keep my personal information in the future. I have separate complaint regarding raciaXXXX retaliation from XXXX XXXX for failure to pay promotional bonus {$700.00} ; failure to pay Pay Check Protection forgiveness {$25000.00} ; Failure to pay several claims and severely violation of customer privacy {$75000.00} as well as severe XXXX and irritation for health damages {$1000.00} XXXX. I certify all statement made herein are true and correct and based on my best personal knowledge. Evidence upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation