Consumer complaint received 2021-07-13
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have filed multiple complaints against Wells Fargo only to have them answer some of the complaints while they are still claiming that they have responded to every single claim and allegation ; this is a boldface outrageous lie. The intentional infliction and reckless conduct by Wells Fargo have caused massive financial damages and emotional distress. 

On XX/XX/XXXX, I received Wells Fargo XXXX package with information regarding the frauds and my complaints and allegations all of which Wells Fargo claims they replied to each and every single one of them. But it is clearly apparent that Wells Fargo did not look at all of my claims and allegations because some material and significant claims/allegations were missed or purposely overlooked. 

Due to Wells Fargos arrogant, ignorant, reckless behavior, unconscionable conduct, and undue influence, willful neglect of duty, failure to act in good faith, poor stewardship, mishandling, wanton behavior showing an unwillingness to stop harming me, my XXXX, my employees, my customers as well as my third-party vendors, and sidestepping/ignoring/lying, dodging and eluding has all consummated into... 

- customers hesitating/refusing to do business with me out of fear of losing their inventory/finished goods ( either because they made commitments to their customers and/or they prepaid for fabric or inventory ) to Wells Fargo possible liquidation of my business, - vendors refusing to continue to extend credit to me out of fear of not getting paid, - key employees quitting because I could not give them definitive answers/guidance on the Wells Fargo 2 + year-long investigation - losing out on multiple revenue opportunities especially new credible well-documented revenue opportunities during the pandemic - no lender would provide working capital to me because Wells Fargo locked up the collateral then when I finally line up XXXX XXXX XXXX and investors who could have saved the day - after causing the massive collateral damages stemming from the multiple frauds, Wells Fargo refused to provide working capital to me and refused/dodged subordinating the collateral to other lenders so that they can provide working capital Some examples of sidestepping/ignoring/lying, dodging and eluding include... 

- over 23 delay letters, - no replies to any of my multiple communication attempts during the 2 + year-long SELF-Investigation held in secret behind closed doors, - multiple emails/texts/ignored conference calls/phone calls/etc., letting Wells Fargo know I have customer orders and request for proposals, - key employees were quitting, - missed working capital opportunities from investors and XXXX XXXX XXXX, - pandemic assistance ( I needed working capital during the pandemic because of new business from customers who wanted us to manufacture PPE ) ; Wells Fargo showed no interest or concern for helping XXXX XXXX to manufacture PPE for first responders and people that were XXXX during the pandemic, - Lying to our Georgia XXXX XXXX XXXX XXXX that they answered each and every single claim and allegation, - etc Due to Wells Fargo 's reckless behavior, unwillingness to stop harming me, my XXXX and my employees, this has resulted in Wells Fargo controlling my XXXX which has lead to me shutting down my XXXX  multiple times since the XXXX fraud hit the news and the result is that I was not able to manage my business and make plans for the business accordingly. In other words, I have been and is still paying overhead, property taxes, interest, and penalties were still being accrued, SBA loan payments with accrued interest are still being charged to me, etc. while hoping everything works out while my business was shut down due to Wells Fargo conducted a 2 + year-long investigation with no input from me despite me pleading to be involved ; Wells Fargo 's lack of concern, negligence, and reckless disregard is a failure to act in good faith, unconscionable conduct and undue influence ; if I had known that the SELF-Investigation would still be going on for 2 + years and I was blocked out of having any input in the investigation concerning me, my business and my employees, I could have sold the business, participated in several proposed joint ventures and/or pursued other investment opportunities or just cut my losses and shut the business down but instead no one at Wells Fargo had the decency to let me know at a minimum what the " ballpark '' status was of the SELF-Investigation that I did not participate in. 
How can I generate revenue when Wells Fargo has taken control of my business and shut me out of my opportunities and my right to earn a living by generating revenue and providing jobs in a minority low-income community? Below is a summary of the complaints that Wells Fargo has not answered and/or directly responded to and cross-referenced... 

I ) WELLS FARGO FRAUDS AND CORRUPTION 1. BUSINESS PURCHASE CLOSED ON XX/XX/XXXX I was set-up by Wells Fargo to fail on the day of the closing of my business purchase because the frauds were going on years before the XX/XX/XXXX closing on the SBA Loan. 
Background of fraud - From the time I had closed on the purchase of XXXX XXXX in XX/XX/XXXX up to the mid to late XXXX, the fees that came out of my account was pretty significant for a small business like mine and I felt pressured to take the {$6800.00} from the mediators. The letter that I send to the mediator made it clear that the fees were crippling my business and I had been complaining to Wells Fargo about the excessive fees since late XXXX ( I spoke with XXXX XXXX of Wells Fargo via phone several times and emailed him on XX/XX/XXXX ) and was told that my fees were cheaper than other options - at the time I was not satisfied with the answer. Then in late XXXX, I heard about the fraud in the news and then in XX/XX/XXXX I called Wells Fargo and spoke to XXXX XXXX in the Wells Fargo National Business Banking Center and he confirmed that I was part of the fraud and set up in the wrong product/business checking account and he immediately switched me over to the significantly cheaper and more appropriate Platinum bank account. So I mailed appropriate correspondence to Wells Fargo headquarters, who confirmed receipt of my correspondence ; shortly thereafter I filed a claim with the mediator. 
2. REVENUE TREND - my revenue was trending upwards, I was picking up new accounts, hiring new employees and then when the fraud hit there was a direct correlation with the drop in revenue primarily tied to Wells Fargo suddenly turning their back on me as if they never met me. And the drop continued and some of it was related to the SELF-Investigation I had no control over ( discussed in item I.11 below ). See attachment for detailed email to Wells Fargo with revenue trend, 3. FRAUDS thru unauthorized fees in my business banking account, merchant services, auto protection insurance approx. {$30000.00} - {$40000.00} was taken from my business accounts, merchant services overcharges and auto collateral protection insurance by Wells Fargo and subsequent collateral damages are much worse due to lost sales, lost employees, lost customers, missed working capital opportunities from lenders and investors ; more specifically, Wells Fargo caused me to miss out on working capital opportunities by using the excuse ( 7 months later ) that I did not sign a " Borrower 's Consent '' form as the reason for them not having a good-faith discussions with fair dealings with Investors and XXXX XXXX XXXX which caused me to miss out on $ XXXX $ XXXX in working capital... but ironically Wells Fargo could not locate the " Borrowers Consent '' forms from 4 prior conference calls authorizing them to talk to 3rd parties on my behalf including me not being present. For over 1 year now, Wells Fargo has refused to answer this simple question about where are the Borrower 's Consent forms authorizing them to talk to prior 3rd parties on my behalf. 
When Wells Fargo realized they screwed up, I was asked by email to go back to the XXXX XXXX XXXX to see if they were still interested in having a good-faith discussion with fair dealings with Wells Fargo and the XXXX XXXX XXXX said no because they ran out of XXXX XXXX  program funding. 
4. MISSED WORKING CAPITAL OPPORTUNITIES Borrowers Consent Form A. XXXX XXXX XXXX In XXXX/XXXX XXXX XXXX, I had 2 XXXX XXXX XXXX ready to provide working capital of $ XXXX - $ XXXX contingent upon having a good-faith discussion with fair dealings with Wells Fargo. After multiple documented attempts to get Wells Fargo to respond, they finally responded on XX/XX/XXXX and said the reason they did not respond sooner is because I did not sign a Borrowers Consent Form authorizing them to talk to third parties on my behalf!!! This is shocking and here is why... 
a. Where are the borrower 's consent forms on file from 3 prior ( before Wells Fargo decided to start demanding I sign one ) conference calls? I am sure you have them on file if you suddenly started demanding that I sign one, at least one would think!!!!... I have been asking for this for over a year now and Wells Fargo has avoided my request. How can this be explained? Why is it that Wells Fargo can not answer a simple question that a 5-year-old can answer? 
b. One of the XXXX XXXX XXXX visited my plant and was totally impressed with my operations and his only concern " Wells Fargo has a history of not doing anything to help ( not the exact words but you get the drift ) ''. So they waited and waited and waited and nothing until about 7 months later with the poorly crafted playbook excuse about I did not sign a borrower 's consent form!!!!... this was an insult to my intelligence as a human being, as a XXXX person, as a family person ( with kids just like you and your hired gun lawyer - what possible logical excuse can I give them for why I am being treated this way ), as an employer with employees looking for leadership from me and I can go on. 
c. Then XXXX XXXX, asked me, someone realized Wells Fargo screwed up, to go back to see if the XXXX XXXX XXXX and Investors were still interested and of course after waiting 7 months for a reply from Wells Fargo they ran out of funds. What in the world do you think was going to happen? 
d. Then Wells Fargo has the nerve to find a clause in my SBA agreements " on file '' that says they can hire a 3rd party lawyer to come after me!!!!!!!!!!! Another insult to my intelligence... after more than 1 year, Wells Fargo can not find a " borrower 's consent form " on file '' but IMMEDIATELY found " on file '' the clause allowing you to hire a lawyer to come after me e. So I missed out on $ XXXX $ XXXX in working capital. 
f. Then in the last conference call we had, Wells Fargo suddenly requires I sign a Borrower 's Consent form for all of the invitees as if that would correct the wrongs. And then to make matters worse, you turned down my customer 's offer to personally, out of their own pocket, offer working capital if Wells Fargo would match it!!!!! And XXXX XXXXWells Fargo said no. 
g. WHERE ARE THE BORROWER 'S CONSENT FORMS ON FILE THAT I SIGNED AUTHORIZING WELLS FARGO TO TALK ABOUT MY XXXX WITH THESE 4 OTHER PRIOR 3RD PARTIES? 

Here are the conference calls with third parties XXXX XXXX was involved in WITHOUT a Borrowers Consent form signed by me... 
i. Conference call on XX/XX/XXXX with an investor, XXXX XXXX and his company AMP and there was no mention of Borrowers consent form ii. Conference call on XX/XX/XXXX ( and many other times/occasions ) XXXX spoke with XXXX XXXX, my financial advisor/banking broker, who was working with me to help secure working capital. XXXX did not ask me to sign a Borrowers consent form. 
iii. On XX/XX/XXXX with XXXX XXXX, XXXX XXXX and 2 other 3rd party former professional athletes interested in investing in Platinum Sportswear and no one from Wells Fargo asked for a signed Borrowers Consent form iv. On a XX/XX/XXXX conference call with XXXX and XXXX XXXX with at least 4 other participants and suddenly I was required to sign a Borrowers consent form ; ironically this was one week after Wells Fargos XX/XX/XXXX Resolution Letter saying they did not get back to me for 7 months on the XXXX XXXX XXXX because I did not sign a Borrower 's consent form Why the inconsistencies with requiring me to have a signed Borrowers Consent form on file in order for Wells Fargo to have a good-faith discussion with fair dealings with XXXX XXXX XXXX? Please explain After more than 1 year, Wells Fargo can not find a " borrower 's consent form " on file '' but Wells Fargo IMMEDIATELY found " on file '' the clause to hire a lawyer, XXXX XXXX, to come after me. 
B. XXXX XXXX - on XX/XX/XXXX with XXXX & at least 4 other participants : suddenly I was required to sign a borrower 's consent form ; ironically, this was a week after WFs XX/XX/XXXX Resolution Letter stating that a consent form is required to speak to 3rd parties, & this time XXXX required a consent form! XXXX XXXX, who was my customer on this call offered to match working capital from Wells Fargo and Wells Fargo said no C. USDA - The USDA Rural Development provides access to capital through its Business & Industry Cares Act Program with a 90 % loan guarantee program. Information can be found at XXXX. This program is designed to address the need for working capital to recover during COVID pandemic timeframe and this program requires a supportive lender. The USDA only provides guaranteed funds instead of direct loan funds. Wells Fargo replied that they do not participate in this program... but the point is Wells Fargo ruined my credit and my chances to work with other USDA lenders. 
D. XX/XX/XXXX in XX/XX/XXXX, a highly valued customer, XX/XX/XXXX, called XXXX, left a message and she did not return the phone call E. XXXX XXXX another highly valued customer was interested in purchasing or investing in XXXX XXXX. I sent an email to XXXX XXXX explaining this opportunity and, as usual, there was no response F. MULTIPLE OTHER LENDERS AND INVESTORS 5. SALES OPPORTUNITIES I sent multiple emails to XXXX XXXX detailing significant sales opportunities that would support conventional working XXXX XXXX. XXXX ignored all of the emails 6. STEERING TOWARDS PREDATORY LENDERS I have an email from a Wells Fargo employee XXXX XXXX, my Business Banker, advising ( see attached email ) I should look into Merchant Cash Advance ( XXXX ) lenders I never heard of these types of lenders. I relied upon his advice and guidance to check out the predatory XXXX lenders and it resulted in the beginning of massive collateral damages. Under no circumstances, is it appropriate for a Wells Fargo employee to steer me toward predatory lenders which puts me at risk as an XXXX customer and also puts the tax-payer-funded XXXX loan program at risk. See additional discussion on predatory lenders in item 7 Continued below... 
7. HIGH-INTEREST PREDATORY LOANS Since the Wells Fargo multiple frauds destroyed my credit and my XXXX, I could not qualify for conventional affordable working capital. Instead as noted above, I was steered towards XXXX predatory lenders. I was making payments of approximately {$800.00} per day while also paying the monthly SBA loan payment of {$15000.00} per month and some other debt payments to the seller of the business. I could not sustain these payments while cash receipts from accounts receivable were collected every 30-45 days. Most of the cash from the predatory lenders were being used to pay the same daily ( and in some cases weekly ) high-interest loan payments. My cash flow position became negative very quickly 8. USE OF FUNDS FROM PREDATORY LENDERS ironically some of the funds were used to pay the monthly SBA loan payment. By asking for financial statements, Wells Fargo knew about the predatory loans and considering they have a fiduciary responsibility with the SBA, Wells Fargo did not carry out their fiduciary responsibilities by allowing risky high-interest loan payments that impacted my ability to continue to make payments on the SBA loan. Accepting payments for the SBA monthly loan with funds sourced from predatory lenders is a massive failure to act in good-faith by Wells Fargo and extremely poor risk management. 
9. COMPLAINTS FILED - Starting in XX/XX/XXXX I have filed multiple complaints with government agencies, especially the Consumer Financial Protection Bureau and the SBA but none of the agencies can open an investigation into Wells Fargo unless Wells Fargo ask for payment of the SBA 's 75 % guarantee 10. SBA LOAN PAYMENT MODIFICATIONS Wells Fargo approved 5 SBA Loan payment modifications that deferred the monthly payments but offered no working capital. The only thing the loan modifications offered was ratcheting up more collateral damage because it allowed me to seek and get approved for even more working XXXX XXXX from predatory lenders that Wells Fargo approved of when they reviewed my financial statements which showed the high-interest payments being made to predatory lenders. Wells Fargo approved these high-interest predatory loans because some of the money was used to make monthly payments on the SBA loan. Why were my financial statements approved when they clearly showed that I was making unsustainable payments to predatory lenders that Wells Fargo steered me to and benefited from? 
11. SELF INVESTIGATION XXXX how in the world can a SELF-Investigation be justified? ) Due to the multiple frauds, we were shut down most of XXXX, XXXX and XXXX... We are still dealing with the impacts of the frauds since Wells Fargo has been evasive including lying and dodging... Wells Fargo opened a Self-Investigation in XX/XX/XXXX and here we are over 2 years later and the investigation is still going on. Wells Fargo has effectively controlled my XXXX with undue influence, unconscionable conduct and failure to act in good-faith a. I had no participation in the 2 + year-long investigation despite pleading to participate b. nor did Well Fargo look at any of the correspondences/documentation, or reply to my emails, text messages, phone calls, conference calls, certified letters with return receipt requested ( and none of the return receipts were ever received by me ), offers to visit my plant, offers from me to visit Wells Fargo, etc... this is a massive failure to act in good-faith and failure to have a good-faith discussions with fair dealings, poor management, incompetence, etc., and demonstrates Wells Fargo unwillingness to stop harming me/my family, my business and my employees so basically the investigation was a SELF-INVESTIGATION where Wells Fargo was the judge, jury and executioner. LOYAL CUSTOMERS AND VENDORS REFUSED TO BUSINESS WITH ME WHILE THE SELF INVESTIGATION WAS GOING ON c. how can Wells Fargo justify at least 23 delay letters from XXXX XXXX over a 2 + year period with no regard for my business being able to operate because customers refused to do business with me out of fear their inventory would be ceased and vendors refused to do business with me because they may not get paid and all of this hesitation to do business with me is because my customers/vendors were afraid of liquidation proceedings by Wells Fargo? Please explain this? My customers and vendors were well aware of the frauds, collateral damages and the unconscionable 2 + year-long SELF-Investigation held in secret behind closed doors with no participation from me despite my pleads to be involved and all of my pleads were ignored 12. CUSTOMERS AND VENDORS REFUSED TO DO BUSINESS WITH ME Loyal customers and vendors refused to do business with me while the 2 + year-long SELF-Investigation was going on. 
13. COLLATERAL The major issue with Wells Fargos frauds is that they refuse to provide working capital and they will not subordinate the collateral to other lenders so if taking control of my business was not enough, Wells Fargo is now determined to force me out of business. Without working capital to purchase raw materials, how could Wells Fargo still expect me to catch up on my SBA payments and pay delinquent taxes? 
14. TAXES, SBA LOAN PAYMENTS AND OTHER ACCRUED EXPENSES - during SELF-INVESTIGATION Wells Fargo still expects me to be responsible for all accrued expenses, interest, penalties and taxes related to all tax issues ( Federal, State and Property ), SBA loan payments etc., even though I had no control over the SELF-Investigation including the duration of it especially considering I did not participate in the SELF-Investigation despite pleading to be involved. 
I want to make it very clear that these taxes are delinquent because of this Wells Fargo debacle that crippled my business but you/Wells Fargo are implying that delinquent taxes are entirely my fault. The delinquent taxes is not related to the nature of the business failing " operationally ''... my business has been around for almost 40 years prior to the frauds and Wells Fargos massive failures to act in good faith as detailed in this correspondence. As you know by now, I questioned the funds coming out of my account before the fraud hit the news and was told that everything was fine... if these Wells Fargo malfeasance ( and many more too long to list but you and your team know what they are ) had not happened, I would not be delinquent on any of my taxes or with any of my vendors or any of my employees ( yes they are still entitled to damages from being forced out of work ). So the next tax payments are due in XX/XX/XXXX and at the rate we are going with Wells Fargo/the SBA trying to help me, I don't see how I will be able to come up with any of the property taxes for XXXX County - WE HAVE BEEN SHUT DOWN ALMOST ALL DUE TO THE 2 + YEAR-LONG ONE-SIDED BIASED SECRET INVESTIGATION! So with Wells Fargo controlling my business in this manner, please tell me where will the money come from to pay delinquent taxes and catch up on the SBA loan considering Wells Fargo took away and destroyed my ability to generate revenue in my business and earn a living?

15. CONTROL OF MY BUSINESS - Wells Fargo has effectively controlled my business with undue influence, unconscionable conduct and failure to act in good-faith. We were shut down most of XXXX, XXXX and XXXX and then the pandemic gave us new life ( I can provide more detail if needed ) 16. VALUATION Due to all of the damages, over the last almost 5 years, caused by Wells Fargos massive failure to act in good faith ( and many more acts of malfeasance ) listed in this correspondence, the valuation of my business and the underlying collateral has been destroyed which has minimized/eliminated the amount of working capital I could obtain from affordable conventional lenders and/or investors. 
17. RESTRUCTURING MY SBA LOAN what is the status of the potential restructuring of my SBA loan? I sent all of the documents XXXX XXXX asked for and he is supposed to be working on this and I have attached his email. Then in an email and on a conference call in XX/XX/XXXX to discuss restructuring my SBA loan, to have XXXX XXXX tell me in an email dated XX/XX/XXXX... As a continual reminder, please keep in mind that we are willing to discuss your SBA Loan only and possible resolution strategies ; and any other business you have with Wells Fargo would be addressed by the appropriate Wells Fargo parties in a different and separate venue... this is an insult because every single issue in this correspondence including Wells Fargos massive failure to act in good faith, all relate to the SBA loan and are the reasons why I am delinquent. my business is worth significantly less than the purchase price and the underlying SBA loan balance - as a result, any restructuring solution must take this into account 18. RUINED MY CREDIT all of Wells Fargos malfeasances and massive failure to act in good faith impacted my ability to my bills on time. 
19. RUINED MY CHANCES OF QUALIFYING FOR ANOTHER SBA LOAN AND/OR REFINANCING/RESTRUCTURING 20. WELLS FARGO TURNS AWAY AN INVESTIGATIVE REPORTER FROM THE XXXX XXXX XXXX who wanted to do an investigative report on my claims and allegations 21. PANDEMIC OPPORTUNITIES multiple opportunities from potential new customers including 3M, major hospitals, private doctors and private business owners who wanted XX/XX/XXXX to manufacture PPE to help them deal with the new business from the pandemic... multiple emails were sent to both XXXX XXXX and XXXX XXXX and no response. 
22. XXXX XXXX - XXXX XXXX calls Wells Fargo " a criminal enterprise posing as a bank ''. XXXX XXXX is a popular consumer expert and host of the nationally syndicated radio show. 
23. RECOMMENDATIONS FROM EXECUTIVE COMMITTEE - What happened to the team of Senior Executives meeting daily to develop recommendations on addressing the societal inequalities facing black employees and customers? Surely screwing me and my company over is a good test and I can not think of a better opportunity to live up to that playbook statement. As a 100 % black-owned company in a below the federal poverty level community, I asked to participate in these meetings to provide insight into how banks like Wells Fargo can work better with people of color business owners to help uplift the community and my offer was ignored. 
The CEO ( 3rd in 3 yrs ), made the following statement... As a white man, as much as I can try to understand what others are feeling, I know that I can not really appreciate and understand what people of color experience and the impacts of discriminatory behavior others must live with. 
XXXX. PREVIOUS IRS INSTALLMENT AGREEMENT - on XX/XX/XXXX I signed an IRS Installment Agreement for {$110000.00} due to the business being forced to shut down multiple times due to Wells Fargo and now the pandemic, I was unable to continue the payments 25. LAWSUITS I am being sued by predatory lenders for loans totaling {$170000.00} ; all of these loans were taken out due to the Wells Fargo frauds and massive collateral damages and some of the proceeds from the predatory lenders were used to make the monthly SBA loan payments and Wells Fargo was aware of all of these predatory loans since XXXX XXXX asked for my financial statements on multiple occasions. How can an SBA lender allow and basically approve of risky high-interest predatory loans? 
26. LOST REVENUE AND LOST BUSINESS OPPORTUNITIES - I sent PO 's and RFP 's ( and in some cases ) - from core repeat customers in excess of {$5.00} XXXX to XXXX and she ignored them. We are still deep in a pandemic and we have reinvented ourselves by manufacturing Before the pandemic, I sent POs and RFPs in excess of {$5.00} XXXX to XXXX and she totally ignored my emails. And then during the pandemic, we were getting requests for orders and some are very large - one potential customer wanted an RFP for XXXX XXXX surgical gowns and another wanted an RFP for approx. XXXX XXXX face masks - but I needed working capital to become FDA approved. People were dying and the demand for PPE made in the USA was increasing. We were talking to another customer/partner who wanted to partner with us as a made in the USA Company and agreed to install disposable surgical face mask-making equipment if we build an ISO certified cleanroom which would cost about {$40000.00} - {$50000.00}. The machines cost {$1.00} million each and he has agreed to install 5 of them ; to show his sense of urgency, this customer even offered to show me how to build the clean room myself. 

We were also offered an opportunity to manufacture and supply cloth gowns to meet Governor XXXX XXXX 's announcement starting to reopen the Georgia World Congress Center for COVID-19 patients. 

AND WELLS FARGO HAS THE NERVE AND CONSUMMATE GALL TO ASK FOR PAYMENT OF THE SBA LOAN AFTER THEY WERE RESPONSIBLE FOR DESTROYING MY BUSINESS! 
27. THE CORONA VIRUS IMPACT During the pandemic ( which gave us an opportunity to get back on track ), we reinvented ourselves and learned how to manufacture 4,000 PPE surgical gowns for the largest hospital in Georgia which gave us a new lease on life. However, in XX/XX/XXXX, the hospital decided to go back to XXXX for inventory because we did not have the working capital ( Wells Fargo destroyed my access to affordable working capital ) to hire more employees and purchase more needed relevant production equipment to increase production. 
28. OTHER - I was also impacted by... 
a. Auto Collateral Insurance Fraud b. Merchant Services Fraud In a XXXX article, a Wells Fargo joint venture has been accused of overcharging fees falsely labeled as interchange charges, making it sound as if they had been imposed by credit card companies when, in fact, a chunk of the money went to the Wells Fargo partnership.

II ) SOCIAL SECURITY due to the Wells Fargo debacle and caring for my mentally ill daughter, I had to file for early retirement social security benefits since the Wells Fargo frauds destroyed my ability to earn a living by generating revenue in my company III ) DIVORCE my family has been destroyed by the Wells Fargo mess and my divorce was effective XX/XX/XXXX IV ) MY HOME IS FORBEARANCE My home is has been in forbearance for approximately 2 years and I am currently applying for mortgage modification from my bank Fifth Third. 
V ) THE CORONA VIRUS IMPACT During the pandemic we reinvented ourselves and learned how to manufacture surgical gowns which gave us a new lease on life. We did not have the working capital to hire more employees and purchase more needed relevant production equipment to increase PPE production during the height of the pandemic and lost the hospital account. 
VI ) RACISM - WELLS FARGO DIVERSITY AND INCLUSION Wells Fargo 's website brags about diversity and inclusion but it is obvious that these claims are just a playbook to keep everyone quiet including myself. Wells Fargo denies racism - just because Wells Fargo has a diversity and inclusion program does not mean their tactics are not racists. 

SUMMARY 1.After all of the damages by Wells Fargo done to me, my family, my XX/XX/XXXX, and XX/XX/XXXX, please explain : why would Wells Fargo not assist the only 100 % black-owned manufacturer of sportswear in the country ( that reinvented itself by bootstrapping to manufacture PPE surgical gowns for the largest hospital in Georgia ) with the working capital needed to get our business back on track?

2.So much damage has been done to both my business/personal credit, my family, my business, my employees, my customers, and my vendors that the value of the collateral has been damaged as well - so this means that any working capital that I can qualify for will be significantly less than prior to the frauds and massive collateral damages. So I believe that Wells Fargo should step in and make up the loss in working capital or come up with some other creative working capital solution. 
3.It is unconscionable to think that Wells Fargo would craft a poor excuse for taking 7 months to get back to me on opportunity zone lenders and investors ready to provide working capital with the poor excuse that I did not sign a borrower 's consent form authorizing them to speak to third parties. 

Wells Fargo has put me and my business into a death spiral.

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 non-monetary relief