Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is the second time I have complained through here Wells Fargo are sneaky XXXX. They know from the ticket created on my original complaints with them the item was accidentally deposited twice because at first they did not show my deposit into mobile banking through the app so I thought it didnt work and tried the atm which they had immediately created a ticket to cancle out the atm XXXX moments after it occurred and I called them to let them know about the duplicate deposit attempt to try to get my cashiers check funds deposited to pay for my car and get home. They held that mozbile deposit long after canceling out the atm thing that got corrected. I was XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If I was not so established with my checking account I would change banks because Wells Fargo did nothing but hurt me I intentionally and now in order to cover it up responded only with partial and misleading details about my initial complaint. They did not learn from or respect the last class action that was filed against them. They still use unfair buisiness practices. That cashiers check they had already kept {$3500.00} when it was issue and those funds should have been made immediately available but they werent. I actually called repeatedly for days to finally get someone to expedite the clearing of my check that never should have been held. If it showed as a mobile deposit immediately and cleared as it should have in the first place no atm deposit would have occurred erroneously. They know it too! Yet they chose to respond to the last complaint with that was a fraudulent deposit that couldnt be verified and withheld to you that they already were informed by me that it was such and how it happened and that my complaint was that the initial deposit that they chose to deem the real deposit and negate the second atm XXXX., leaving : the mobile deposit deemed the real check ( both a duplicated transaction with the same check number as further more clearly explained how it happed above ). It was a real cashiers check and I should not have had to wait days for the funds that XXXX deposit should have been immediate. They gave no choice to cancle prior to telling me it would need days to clear. Then at first the mobile deposit didnt even show in my account on the app so I thought it glitched and that is when I tried the atm XXXX ad detailed more clearly above. They kept my funds for days without any access to them and left me stranded when they already had my money it was a cashiers check. Mobile deposit made me upload photos that showed what it was and their app should have been able to verify the mobile deposited cashiers check that was funded by their bank and they had the funds already because it was a pre funded certified check that cost {$10.00} to have immediate funds available in that check!

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