Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
You are a receipt of this communiqu as an addendum to the " case or escalation to executive offices '' by XXXX XXXX at XXXX XXXX EST today, Tuesday, XX/XX/2023 that should be tied confirmation number she held out, which is XXXX. I'm fed up, over the last two days, I've wasted too much time with this XXXX 

The subject title of this email is inaccurate. The phone number is active, it was just removed from XXXX owned by Wells Fargo, et al ( i.e., parent entity " XXXX XXXX XXXX XXXX XXXX '' is actually owned and control by several different large banks as a way to mitigate their liability of occasional incidents stemming from bank to bank transfers ). The reason why I removed this phone number is because Wells Fargo has not allowed me to access and/or control my funds. Around this weekend that began on Saturday XX/XX/XXXX, I attempted to do a bank to bank transfer via the " Transfer Money '' link, once the tiny deposits into my other or external bank account were confirmed, but was prevent per the asinine purported need in pop-up to " Verify my Identity '' as attached. I tried to XXXX but was prevented for the same reason. 

When you dial the phone number to reach a representative they purport that they can't send a text message to a phone number one phone number was to a prepaid XXXX voice XXXX XXXX number the other phone number that has been enrolled on the account and able to accept text messages from Wells Fargo XXXX and has received text messages from Wells Fargo XXXX the representative states that the phone number is not eligible. One purported consumer advocate " XXXX XXXX '' insisted in a XXXX XXXX shouting match that the problem is with XXXX XXXX XXXX blocking short code text. However, XXXX dissolve that claim stating that it's only XXXX and XXXX XXXX as phone carriers who block short code tax. She further states that only XXXX an XXXX XXXX XXXX allow short code text. 

Regardless of whether it's a postpaid carrier, prepaid carrier, or VoIP, I've been able to receive text messages to XXXX from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and many others to confirm my identity, but Wells Fargo purports that the phone number is not eligible to receive text messages. I don't think that anybody tried. In fact I never experienced anyone from Wells Fargo trying to send me a text message of a short code to verify my identity. It is only been XXXX who has stated that the system doesn't even give them the option to radio the short code to me in order to attempt to verify my identity. All of this is XXXX and I'm XXXX a game being played and I don't know, I will never know who started the game to waste my time. 

It's already a XXXX problem that XXXX and XXXX minorities have very scarce access to debt and equity capital, it's another XXXX egregious thing when a huge entity such as Wells Fargo implements practices that restrict our access to our own capital. Wells Fargo has held out this oppressive, repressive, suppressive in a restrictive practice unwarrantedly. It reflects institutional XXXX and/or XXXX. 

If it's not XXXX or ethnical XXXX, it is definitely zip code XXXX ( which isn't much different, socioeconomically speaking ), as forcing us to visit a Wells Fargo ATM to verify our entity, because the representatives via XXXX have NO logical XXXX century solutions as submitting a case to make a mobile phone " eligible '' to receive short code text that will take at least three days to process isn't a solution, and Wells Fargo doesn't have ANY branches, ATM 's or partnerships with entities such as XXXX for us to do Wells Fargo transactions at another bank in Michigan, Indiana, Ohio or Kentucky. Like XXXX does a phone number have to do with my identity? 

The CTO and CIO should be fired! I have six accounts with Wells Fargo, two on the debit side and four on the credit side. I open this account online they refuse to fully open it based on forcing me to prove my identity with the banker the banker in XXXX land was puzzled by the whole ordeal considering the fact that I presented four Wells Fargo credit card accounts she could not believe that Wells Fargo could not verify me based on that type of my PII data already within their system. Wells Fargo has received two direct deposits from my part-time employer into my checking account. As such, there is a ponderance of evidential PII sitting within the Wells Fargo database to verify me. 

I only opened a checking account because of it's and seemingly national brick and mortar footprint. I tried not to XXXX against Wells Fargo based on their previous deplorable reputation, but I see nothing has changed. Wells Fargo 's psuedo pose to respect our privacy and protect our identity has sheerly proved to be a charade of puffery masquerading as accountability. As the attachments reveal, no other bank that I've ever received a direct deposit through has ever revealed or disclosed any aspect of my social security number ( SSN ) on the line item of the deposit. 

The attachment shows how the statement wants delivered to me will be presented. If that piece of mail in which the statement would be enveloped is lost or destroyed and it opened, it would expose me to the detrimental results of the mind a bad actor ( i.e., compromised indentity, fraud on compounding basis, and a myriad portion of my/our lifetime wasted ). 

Thus, there is something to be said AND DONE about this careless and/or thoughtless mindset and behavior held out by Wells Fargo . It's already a XXXX  problem that XXXX and XXXX minorities have very scarce access to debt and equity capital, it's another XXXX egregious thing when a huge entity such as Wells Fargo implements practices that restrict our access to OUR OWN capital. Here are some solutions : ( 1 ) as stated previously, the Wells Fargo CTO, CIO, CFP, and/or CEO should be fired immediately, ( 2 ) our SSN should be removed from transaction line items on our checking account statements that reflect a direct deposit and maintain safe keeping of our SSN for internal purposes only. 
( 3 ) Wells Fargo call center representatives should be allowed to allow un-stall a transfer to be processed once the customer calls in and has completed the appropriate identity verification process AKA " been verified ''. 
( 4 ) Wells Fargo should be forced to partner with XXXX so as to expand our it's customers access to and control of XXXX funds. 

Anything else to the contrary is simply a worthless excuse to continue the excessive and a classist practices of oppression, repression, suppression and intentional infliction of emotional distress that could become the cause of sane person " snapping '' or converting into an unstable person motivated to do something detrimental to society in order to achieve revenge from being exploited, which is the reason why call most center representatives refuse provide their full legal name, correct? 

Anyway, based on this asinine malarkey experienced, and I know that Wells Fargo will not fire anyone actually responsible for this poor experience, I demand that they deposit the {$320.00} bonus IMMEDIATELY that was offered by opening the checking account once a total of {$1000.00} in direct deposits were received, opposed to forcing me to wait the purported " 90-day qualification period '' to determine whether I satisfied the requirements to receive the bonus. This request is coupled with refraining from employing retaliation against me is the very least that Wells Fargo can do to pacify me today. 

Appreciatively, XXXX XXXX XXXX XXXX XXXX

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