Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo is closing my account due to a check that was returned over a month after it was paid to me by a man named XXXX XXXX whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was later informed by Wells Fargo that he wrote the check out of his XXXX XXXX check book, which I was not aware of until the client later fraudulently reported the check as if it was fraud committed against them. I was also kind enough to pay for a XXXX home for XXXX XXXX after his time was up due to the fact that his friends he came out with left him and he left his phone at home. I have the receipt from that, which I will include. I was allotted the opportunity of taking a photo of his license in case of any issue. I will include that as well, and I also have a video that I discreetly took of him on the phone with his bank ( XXXX XXXX ) arguing because they froze his card enabling him from using a different form of payment other than the check I can provide that however you can accept it. The video attachment is too large for upload on the website. Wells Fargo denied my offer of sending them any of this. At no point, other than to inform me of {$2000.00} being deducted from my account was I contacted by Wells Fargo. Over a month after the check was originally deposited. I've spoken to countless claims department representatives and I received the same answer. An " investigation '' was completed with only one party 's side of the story, I feel like I have no voice. I was told my only option would be to file a police report or reach out to the client. I reached out to XXXX XXXX multiply times, I will also include proof of that. I feel like I've been robbed in more way than one. Money that was paid to me has virtually been stolen, my account is being closed without valid reason. My voice as well as my documented proof has not been reviewed or even given a once of investigating. I feel as though I've been harassed and discriminated against by this bank, I have been very transparent with the bank about the work I do and why I receive various form of payment. I have had issue with customers who come to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and rarely write checks. Some men have a horrible tendency of spending their money freely and then disputing payments once their XXXX  see the transactions or so it seems. It is at our discretion on what payments we accept due to the fact that we are all XXXX XXXX. To shed some light, I will include the prices of our XXXX XXXX XXXX XXXX XXXX is {$500.00} plus a {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is {$1000.00} plus a {$300.00} XXXX XXXX XXXX XXXX Additional payments are received for tips, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can go through and validate every transaction on my account. I have had my checking and savings account since I was XXXX, it started off as a XXXX XXXX XXXX and eventually a primary checking and savings. A XXXX XXXX after the check was returned due to a fraudulent claim and a nonexistent investigation, I receive an email. An email stating my account would be closed due to suspicious activity. I have called multiply times, pleaded my case to no avail. My voice seemly doesn't matter and I wholeheartedly believe it's due to my line of work. I do not have suspicious activity on my account, I have various ways that I am paid and I have consistently for awhile. I am not some master hacker that can or could have access to anyone 's finances and if a true investigation was performed my deposit history for the last 2-3 years would show this. My XXXX was deactivated months ago without any true explanation, I would try to use it and my online access would be suspended until I spoke with a representative on the phone. Everytime, my XXXX would be reinstated but was basically impossible to use. I would have never even had to consider accepting a check as a form of payment if I had access to my XXXX. I will continue to try every avenue until I exhaust all of my options to either save my account from closure or I will be filing a discrimination lawsuit against Wells Fargo and a civil suit against 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