Consumer complaint received 2023-06-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a customer of Wells Fargo for 11 years and recently I started to have some issues with them. Today being the 3rd incident with them and I have had it with them and do not know what to do. 
I would take my paper checks every 2 weeks into a bank branch and they informed me one day about the mobile banking and how easy it was to use. So instead of going into the bank I figured I'd give it a try. 
I received an alert that my account was " on hold '' after I deposited a {$1500.00} check from our family business into my personal account with Well Fargo though their mobile deposit and I apologize for not remembering the exact day but it was about 2 months ago and I kinda freaked out because I never had this happen before. They held that deposit and I sorted it out, they made a claim that their was insufficient funds from the check I was trying to deposit and that they were going to place a hold on my account for 7 days. I had to make numerous calls and go into branch locations to get it sorted out in a timely manner. 
Skip ahead anther 2 weeks and I ended up hurting my right hand which is my dominant hand. I had to go to an emergency XXXX clinic and they thought it was XXXX  so the wrapped my hand up in a half splint also known as an ulnar gutter splint in which case only my first finger and my thumb were accessible to write on my dominate hand, the remaining 3 fingers were completely covered in this splint and not accessible. I tell you that because of this next part. I went to use the Wells Fargo mobile deposit app to deposit the same amount {$1500.00} from the same account ( nothing new ) and my hand writing to sign the check was a little messed up, but honestly it looked like my signature just a little more scribbly. Instead of calling me to verify to see if it was me they decided to place another hold on my account and the {$1500.00} was not accessible. I kid you not I spoke to 5 different people over the phone and I visited 3 different branch locations in a span of 3 days to get this cleared up and the 3rd day I spoke to someone who told me to go into a branch location to " VERIFY '' my hand was XXXX ... ... I can't make this up. I deposited the funds into my own account, using my cell phones and my account and I have to show you my hand is XXXX. Anyway, I go into the 3rd location and verify my hand is XXXX, they pulled me into I'm guessing the branch managers office ( he didn't introduce himself he just acted like it was an inconvenience for him ) and they finally released the funds into my account, just to literally take out {$1400.00} from my account like 7 days later and say the written part of the check says " Fifteen '' but the box part of the check says {$1500.00} so they took BACK {$1400.00} and gave my {$15.00} from that check I fought so hard to prove it was me depositing that check with a messed up right hand. I literally can not make this up and as I am writing this it's just making me all the more frustrated before I tell you what happed today which was unreal. 
So toady I receive 2 emails from Wellsfargo. One at XXXX and the other at XXXX that my account has a negative balance of - {$360.00}. I am completely baffled by this. Their reason this time is " Insufficient funds at inquiry time ''. I deposited that check again which is from the same amount {$1500.00} and the same account as mentioned above. I deposited it on Friday the XXXX at XXXX. Today is Wednesday the XXXX and is 5 days after I deposited the check which by the way shows a cleared balance that I have been using because I deposited it on Friday before XXXX. They placed another hold on my account and as we speak my account is going to remain negative - {$360.00} until XX/XX/XXXX which is 7 days negative. I am so frustrated and I don't know what to do. I called the XXXX number to see what was going on because I was in shock as to why this keeps happening and she told me there was nothing she could do for me and that I have to wait until the XXXX for my funds to show up in my account. I am so confused I really don't know what to do. Please help I have never been treated like this before by a bank and to be told one minute I have money in my account and then have it deducted out of the blue over and over again without notice is terrifying. I am at the point that when I do a deposit I am actually scared of what is going to happen because of what has been happening.

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