Consumer complaint received 2021-07-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I received a letter in the mail stating that my Wells Fargo personal and business accounts were closed due to one or more money transfers to your account reported as unauthorized. Since then, I have made numerous efforts to contact Wells Fargo by in person, via phone and mail and the situation has not resolved. Wells Fargo has not heard my case and has arbitrarily closed my account and despite efforts to provide evidence, ignored my case. 

Since XX/XX/2021 I have been a victim of a scam conducted by my former neighbor and business partner, XXXX XXXX. On XX/XX/XXXX, I received a wire from XXXX XXXX, XXXX father for {$5000.00}. XXXX had told me that he had involved his father in the situation to pay back some of his debt because his bank accounts were restricted. I have provided the evidence to Wells Fargo that proves XXXX XXXX is the one who sent the money and also the confirmation number of the wire. On XX/XX/XXXX my online banking access became restricted and when I called Wells Fargo they said the person who had sent the wire had reported it as fraud. I then called XXXX XXXX and he told me that his son had sent the wire, but he had no knowledge of it which is why he reported it as fraud. I sent XXXX XXXX the texts from his son saying he sent it and he still refused to drop the wire fraud dispute as it would be embarrassing since he had spent so much time disputing the transaction. Later, XXXX XXXX had said he convinced his father to go to the branch with him to resolve the matter. XXXX XXXX then said he received a letter in the mail stating that the wire transfer was authorized as assured me that my account would not be impacted. However, my account was still going to close which is when I decided to go to a Wells Fargo branch to try to prevent my account from closing. 
On Friday XX/XX/XXXX, I went to a Wells Fargo branch and a banker scanned the evidence I provided ( texts from XXXX, proof of the wire transaction, and letter sent to them stating the wire was authorized ), and uploaded it to the case. 
On Tuesday XX/XX/XXXX I received an email and call from the XXXX department. I had returned both the email and phone call and received an automated response saying he would be out of the office until XX/XX/XXXX. I then followed up with another phone call after XX/XX/XXXX and he did not answer the phone so I left a voicemail. He still has not responded to my call or emails. 
I have provided evidence of communication between the previously mentioned parties above as well as proof of legitimacy against the disputed wire transaction. 

On XX/XX/2021, I mailed a complete folder of evidence to both the Wells Fargo Checking and Savings Dept and the Fraud Dept. explaining the situation. I never heard back. As a result, I reported Wells Fargo to the Comptroller and received a letter in the mail essentially re-iterating that my account was closed due to an unauthorized transaction. 

I have provided all of the evidence proving this transaction was in fact authorized and the sender has received notice that after the fraud investigation was conducted, they too found it was authorized. 

Does this make any sense? Wells Fargo has ignored all of my efforts to contact them and closed my accounts due to a reason that is not true.

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