Consumer complaint received 2021-06-24
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I helped homeless peaple get their economic impact payment check cash from XX/XX/XXXX to XX/XX/XXXX this includes the {$1200.00}, XXXX and {$1400.00} stimulus issued by the government to help peaple get on their feet and off the streets to help stop the spread of Corona virus. All the peaple came to me because not one of them had I. D. To cash thier check. Word of mouth spread that I could help these individual with thier issue. I had a checking account at well fargo and my divers license had expired in XX/XX/XXXX one of the tellers inside the bank told me since my I. D. Had expired I have the option of using the banks ATM to deposit checks if the owners signed and I signed below by me signing it would me responsible for the amount of money should the check bounce. So I deposit the {$1200.00} and right away withdraw {$700.00} and payed the peaple then when the check cleared I withdrew the rest of thier money and paid them in full. In two payment. And only one check at a time. Everyone I helped received thier money. Of course I asked for some type of proof the check belonged them for instance SS card, birth certificate, E. B. T. Card. And some of the peaple I knew personally two of the people had expired I. D. The bank charged {$71.00} per check for the loan and it was applied to the overdraft when the account was emptied. When the, {$600.00} checks were deposited the bank did not charge any thing. When the {$1400.00} checks were deposited I did not have a problem untill XXXX came to me for help and I deposited all three checks at ones XX/XX/XXXX plus his girls friends check as well her check was excepted and again I withdrew / {$700.00} then two days later I gave her the rest of her money then I withdrew another {$700.00} and paid XXXX then the bank closes my account with over {$2400.00} in my account and I'm informed that after XX/XX/XXXX they would mail me a cashier 's check for that amount. That my account had been closed because they suspect fraud and they have to protect the banks reputation. I did exchange some harsh words because he accused me of thieving saying I was keeping all the money to myself. I believe he took this personally because he did not mail out the cashier 's check when he said he would after XX/XX/XXXX on XX/XX/XXXX I contacted fraud provention and this time the same person I spoke with before accused me of going to mail boxes and stealing checks. I have not done such a thing. I have not broken any law or done any fraud to anyone. What more no fraud has been reported to the I.R.S. every one got there money .now the man wants for XXXX to show a valid I D. Before releasing the money. At that point in time I had collected some money from a rental house I have The tennent paid three months in advance I had also received my stimulus money and also received my XXXX benifits so I went ahead and finish paying XXXX his money thinking I would get it back when the money became available so both XXXX and I go to the DMV get our I.D . MY DRIVERS LICENSE AND NOW IM TOLD THAT IF ALL TH3 PEAPLE 8 HELPED DID NOT COME IN WITH AN VALID I.D they were not going to release the money and now he accused me of forging the checks. That is not the truth. I have not broken the law. And I'm out of my own money. At one one point the same man fraud provention said he was going to return the money and I advised him that would be a mistake because some would get paid twice one 's from the gov, and ones from me. So now he says it's on debit and they block me from calling and the banker lady named XXXX has nothing to say except that they are going to release the money. By the way the man from fraud provention refused to give me his name and they claim that resolution committty decided that every one I helped present valid I D. These are peaple who some of them don't have proof of residence to get an I. D. They were homeless some are still homeless some have to travel a distance to get thier paper work to apply. And most of them don't have any money left any more. Infact I had to pay for XXXX XXXX  I. D. No one is going to report fraud be cause no fraud has been done by any one involved. It is only the banks assumption no proof to the accusations. I'm not a thief and I'm telling the truth. I'm poor man and now I'm behind on my bills my mortgage is at risk they don't understand from thier point of view that they are wrong at the bank. I talked to a Lawyer and he says I have a case I don't want to sue any one all I want is what belongs to me

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