Consumer complaint received 2018-01-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
LAST WEDNESDAY IT SNOWED XX/XX/XXXX BY MIDDAY MOSTLY EVERYTHING HAD REOPENED. HOWEVER, THE WELLS FARGO IN XXXX XXXX WAS CLOSED. I HAD A DRAFT TO DEPOSIT BUT SINCE THEY WERE CLOSED I TOOK IT TO MY PERSONAL BRANCH AT XXXX XXXX XXXX  TO DEPOSIT IN ATM. THAT NEXT DAY NOTHING CLEARED, SO I CALLED TO TOLL FREE NUMBER KEPT GETTING HUNG UP ON. SO I WENT TO MY BRANCH THAT DID NOTHING TO HELP ME GET MY FUNDS BUT SAID THEY WOULD ACCELERATE THE ISSUE BECAUSE I WAS SUPPOSE TO WALK IT IN. I SAID YES BUT THEY WERE CLOSED FOR 2 DAYS DUE TO INCLIMATE WEATHER, BUT WHILE I'M HERE I CAN VERIFY WHO I AM AND I MADE THAT DEPOSIT AND COULD THEY BRING THE CHECK HERE. THE EXACT AMOUNT OF DEPOSIT WAS XXXX. THEY SAID NO. SO I LEFT I CALLED CUSTOMER SERVICE AGAIN, THEY SAID THEY WOULD XXXX  A COPY OF THE CHECK BACK I WOULD HAVE IT BY XX/XX/XXXX. I HAD TO GO TO ANOTHER OFFICE TO RECEIVE IT WHICH TOOK AWAY FROM ME DOING BUSINESS OR MAKING MONEY. I PAST SEVERAL BRANCHES IN XXXX TO GO BACK TO MY BRANCH THINKING THAT IS WHERE I WOULD RECEIVE THE BEST CUSTOMER SERVICE. I DID AS THE CUSTOMER SERVICE DEPARTMENT ADVISE TO TAKE THEM THE COPY OF THE ORIGINAL CHECK THAT WAS DEPOSITED. THEY WOULDN'T REDEPOSIT THE CHECK. THEY SAID I HAD TO WAIT ANOTHER 5-7 BUSINESS DAYS. I EXPLAINED TO THEM I COULD LOSE MY BUSINESS IF I DON'T GET THE XXXX XXXX XXXX XXXX XXXX XXXX CAUSE THE DEADLINE WAS THAT DAY. I ALSO EXPLAINED SINCE I DEPOSITED THAT CHECK I HAD TO DELIVER THE PRODUCT IF NOT XXXX XXXX COULD CUT ME OFF FROM DOING FUTURE BUSINESS WITH THEM. THEY DIDN'T CARE. THEY DIDN'T EVEN GIVE ME {$100.00} FROM THE DEPOSIT SAID THEY HAD TO SEND IT TO COLLECTIONS AND I HAD TO PAY {$25.00} FOR THEM TO COLLECT THE {$15000.00}. THIS WAS NOT THE 1ST TIME I DEPOSITED A LARGE CHECK OR A XXXX XXXX CHECK. BUT THIS TIME THE PROCEDURE WAS DIFFERENT AND THEY WERE TREATING ME AS I WAS A CRIMINAL EVEN THOUGH I HAVE A MIDSIZE ACCOUNT AND MY AVERAGE MONTHLY DEPOSITS ARE OVER {$40000.00} AND MY AVERAGE DAILY BALANCE IS AROUND {$6000.00}. INSTEAD OF SIMPLY VERIFYING THE CHECK THEY SENT IT TO ANOTHER DEPARTMENT TO AVOID ME HAVING ACCESS TO MY MONEY. THIS IS MY LIVELYHOOD. AND PREVIOUSLY THEY PUT A 10 DAY HOLD ON A {$28.00}, OOO CASHIERS CHECK THAT I DEPOSITED. IF I GET A CHECK FROM A BANK MY COMMISSIONS IS IN THAT CHECK. JUST LIKE A PAYROLL CHECK I HAVE TO PAY MYSELF FROM THOSE PROCEEDS AND WAS UNABLE TO DUE THAT. ON THURSEDAY XX/XX/XXXX I CALLED THE CLIENT AND HE CALLED XXXX XXXX ON A 3 WAY CONFERENCE CALL XXXX XXXX SAID THEY BANK NEVER EVEN MADE AN ATTEMPT TO COLLECT ON THOSE FUNDS. LATER THAT EVENING I WENT BACK TO THE BANK THE MANAGER XXXX CALLED THEM XXXX XXXX WAS ANNOYED BY WHAT HE WAS SAYING AND SAID WE DID EVERYTHING WE WERE SUPPOSE TO DO BUT YET YOU DID NOTHING. ON TODAY XX/XX/XXXX I SPENT 2 HOURS AND WELLS FARGO THEY BASICALLY IGNORED ME UNTIL I GOT CUSTOMER CARE ON THE PHONE. THEN THEY IGNORED CUSTOMER CARE PHONE CALLS. I HAD TO GO BACK IN THE BRANCH TO STATE THAT CUSTOMER CARE WAS TRYING TO CALL THEM. AS TO DATE, THEY ARE HOLDING MY MONEY A DRAFT THAT HAS BEEN AVAILABLE FOR 8 DAYS BUT THEY DELAYED THE PROCESSING BY SENDING IT BACK TO XXXX XXXX. I BELIEVE THEY HAVE DISCRIMINATORY AND UNFAIR BUSINESS PRACTICES. THEY TREAT THEY BUSINESS CLIENTS LESS THAN HUMAN. TO KEEP MY CLIENT SATISFIED I HAD TO FIND OTHER MEANS TO XXXX XXXX XXXX EVEN THOUGH XXXX XXXX STATED THEY CHECK WAS AVAILABLE FROM THE DAY THEY GAVE ME AN AUTHORIZTION NUMBER. THEY HAVE NO RESPECT FOR SMALL BUSINESS, WOMEN, OR DIFFERENT NATIONALITIES. BASED ON THEIR LAWSUITS THEY STILL TAKE ADVANTAGE OF CONSUMERS AND HAVE NOT CHANGED THEIR BUSINESS PRACTICE EVEN THOUGH THEY CLAIM THEY HAVE. THEY STILL SAY I HAVE TO WAIT FOR NO APPARENT REASON ACCEPT THEY WANT TO SEE ME SUFFER MENTALLY, PHYSICALLY, FINANCIALLY AND EMOTIONALLY. THEY HAVE CAUSED ME STRESS AND HAVE MADE IT VERY DIFFICULT TO CONCENTRATE. I BELIEVE WELLS FARGO DID NOT DEPOSIT THE CHECK CAUSE THEY KNEW IT WOULD BE AVAILABLE IMMEDIATELY AND THEY DIDN'T WANT ME TO HAVE ACCESS TO THOSE FUNDS BUT TO SUFFER AND CAUSE ASTRONOMICAL STRESS TO MYSELF.

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