Consumer complaint received 2020-12-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Im just a normal XXXX  who were looking part time because my bills are getting higher and I have not enough hours in my full time job. So i looked and was hired for a job online. 

XX/XX/XXXX between XXXX to XXXX I received a check from XXXX that check was for the fund for the equipment I need to buy for my new Job. I was hired only as administrative assistant they want me to buy software same with the company, computer, printer, scanner, time tracker and more. The amount I deposited was somwhere around {$4900.00}. When I deposit that check that night in Wells Fargo ATM Machine intersect XXXX  and XXXX XXXX. Out of that amount there was an available amount of somewhere around {$400.00}. It is not pending it is showed as available amount the rest of the check amount was still pending for over {$4500.00}. It was processed over night and was AVAILABLE to use not PENDING on XX/XX/2020 XXXX. 

Since that check is not really for me but the equipment the person who hired me asked me to download app for bitcoin. Purchased bitcoin and send it to someone. 1st day I had purchased {$1900.00} it was under pending transaction on my bank statement. Next the employer asked me to send money through XXXX for the software that i need to purchase for {$500.00} it was send to XXXX XXXX. The next day we did the same thing amounting {$1800.00} for the bitcoin and {$500.00} for the same person. This is on XX/XX/XXXX. That day my employer Mr. XXXX XXXX  told me they are going to send more check because that checked he provided me was nit enough to cover the software payment that i need to purchase. He told me he is going to send me money on the coming monday along with my weekly paycheck. As around XXXX or XXXX XXXX  of XX/XX/XXXX I received a notice that the check that they allowed to put as available on my bank statement was overturned. The wells fargo can not accept it. And they are going to give it back to me. My account was over draft of $ XXXX because of all the transaction I made when i had that fund in my bank. 
I called wells fargo that very moment to report a fraud because the person who hired and give me the check blocked me when i informed him that my bank overturned the check. I asked them to dispute all the transactions ASAP because the charges of {$1900.00}, {$1800.00} and 2 of {$500.00} was still on pending status on my bank statement. 

Later after holidays and weekend the bank closed the case and told me they cant help.me and they cant dispute the charges so Im forced to pay for it even though I dont have anything left and Im not earning much. 

At first I have not think of scam or anything maybe if the check didnt go through in the first place I wouldnt gotten this much trouble. Im no expert about checking the legality of a check but I know whats the difference between pending amount and available amount to use in my bank account.

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