Consumer complaint received 2023-07-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
So, roughly,about XX/XX/XXXX,I recieved a settlement check, which was a wells fargo check.   Said, "payable by Wells Fargo".     So,I head to a wells Fargo near my home.    As I pass the check to the teller, shes says give me one moment, takes it to her supervisor.   I believe this was because of the size of the check.  Which was XX/XX/XXXX.      Upon coming back,she tells me, she can do XX/XX/XXXX cash,  and the rest in a money order.    I said,I would rather cash the entire check,instead of having to deal with another location to get the full amount.      She goes back to the supervisor, supervisor come over,says deposit only.     You dont have an account,so we cant help you.    I said that seems strange.   She was just about to help me until you came over.    Ill go to another location.  
   So I do.    Next location,branch manager says, its deposit only, unless the check information is in the system.  So, ill take the check information down, put it into the system and call you tomorrow.   Ok.  I go home.      After  business days,im not hearing from wells fargo, so I attempt to contact them.     No success.   After a week, I take the check to a third wells fargo.   Branch manager tells me, this is more money then we would give to one cutomer, so we have to call the money truck, and it will be here next week.   Ok.     A week later I show up, she says money truck will be here tomorrow, however, if you had a wells fargo acct, you could deposit the check, and the funds would be available the next day.   I said ok, lets open an acct.   She said all my agents are busy until next week.....  Right...    So,how about I step outside,make an acct online, and comeback inside, she said that would work.    Well,low and behold, they cant verify me in their system, and I have to see an agent in person.  So I schedule a same day appt at another location.  The app says congratulations, your appt is for tomorrow...  Right....   So the next day I show up for my appt.   The agent is great.    were getting along, telling stories, having a good ole time.   Now, comes time to deposit the check.     At which time im told, some funds would be available immediately, so I said fantastic, ill take XX/XX/XXXX now, and deposit the other XX/XX/XXXX.     In comes branch manager, inserting himself into the scenario.     Comes up, does some quick typing on the computer, and tells me the check is deposit only.    I said, right, we established that, but I was just told some funds would be immediately available.   Which is important as I have already been waiting weeks to get this cashed.   He says, Nope.  No funds will be available.   Checks deposit only.  "so what you wanna do?'     I said, well, if all we can do is deposit the check, then deposit the check.    At this point he pushes thecheck back at me.    So I said, whats up man?  I thouhght we were depositing my deposit only check?  and I push the check back his way.   At this point he says, "nah, were not going to be depositing this check for you.   Thank you, have a good day.   I said wow.       So, ok then.         After doing everything wells fargo has adviced me to do, they still refuse to cash this check.  I have waited for them to input the check into the system, and no response, I have waited for the money truck, which didnt show up on time, I made an acct, and was refused the option to deposit the check.      So I was left with no choice but to pay 8% to a company who would cash it.        However, it doesnt stop there.       im sent an email the next day, with a survey, asking me about my experience.     Supposed to be confidential.   SO I say my experience wasnt actually bad,however, I would have went with a different branch manager if I was in charge.      Well, the next day,my phone is ringing like crazy from wells fargo.  Im thinking its the agent reminding me I have to make a deposit.  So I ignore it, until about the tenth call, when I do answer, its the branch manager.      Says, " so I saw your survey, and whats up man?   Do we got a problem?"       Im like,are you for reals calling me up, trying to sweat me about my survey answers?   and he says,bottomline, you better not come around here anymore. Dont step into my wells fargo again.    I was floored.    I was like, dude, you cant punk me out like this is the streets and were rival XX/XX/XXXXbro. So, I contact a different branch manager, who is floored.    SHe says, i will escalate your situation, because he is not to be doing that.     So,ok, I get an email, saying they will respond within 15 days.   Day 14, I get a call, from corporate security im told.   Says, this is wells fargo, and we no longer want your business.   I said wow, why is that?  He said, you came into a branch, and were being beligerent.   I said wow, when did that happen?    he said, you went into multiple locations, I said wow, really?  what locations did I go to?   At which point he couldnt answer.    Then he said, I will send you a letter.  I said fantastic.     I kid you not,not even 5 minutes later, I get a call from corporate escalations, and she says, I would like to apologize for the experience you have been having wth wells fargo.  I said, hmmmm.   Thats strange, because thats the complete opposite of what your corporate security just said.    She says hangon,let me research this.  Comes back, and says,I have nothing in my system that would indicate anh of what you just told me.   I said hmmm.    This is ini regards to the branch manager contacting me regarding my survey right?    she says no.   I thought this was about a check.......        So even the other branch managers, didnt file my complaint correctly.   They tried to redirect what the issue was about, and create confusion.         So I asked her, are the surveys confidential, she said yes, they are supposed to be.     I asked her, how then would this branch manager, find out what my answers were?    SHe said, he would have to go into your acct, and see that you had answered a survey, look iinto what your answers were....   and then, get your phone number and contact you.... I said wow.    At this point she reassures me, that my acct is in good standing, and there is no action to shut my acct down.  So I reach back out to corporate security, and ask him directly, Why are you calling me and threatening to shut my acct down, and all this?   He says again, because you went into multiple locations being belligerent.   I said ok, which locations?   he said he didnt have an answer for that.     So I asked him straight up, this is because of your buddy at XX/XX/XXXX isnt it? ( the location with the branch manager who called me)   he said, I am mailing you a letter explaining.     ok.        Well,in the letter, it specifically says XX/XX/XXXX.       So Ive got this guy, accessing my acct discriminating against me, refusing to deposit my check for unknown reasons, and telling lies to security to get my acct shut down.    Even though escalations tells me im ok.    so really, what am I supposed to do?    Because 8% of XX/XX/XXXX is significant, but I did everything I could do to cash the check with them.    At the cost of weeks worth of time.    I dont know about everyone else, but I dont have the ability to go weeks without money, but I did.   With ramiffications ill add.  Because my insurance lapsed, so now certain companies wont even accept me, because I have had a lapse in 6 months.   As well as a job, in which I was to get XX/XX/XXXX liability, XX/XX/XXXX aggregate.      All because the refusal of wells fargo to cash this check.          Also, how is wells fargo, legally allowed to let other dictate that a check is to be deposit only?  If someone writes a check, is it not their job to cash the check?       I understand there are multiple issues im addressing here, so sorry about that.    But the entire experience, has been all bad.  As well as actually cost me money, as well as other hardships.

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