Consumer complaint received 2017-06-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I, XXXX XXXX, had a joint account together with my mother and we were scammed through receiving a fraudulent check. My best friend asked if her boyfriend could deposit {$400.00} in her account so she could pay her rent. When the {$400.00} posted I XXXX the money to my friend, XXXX XXXX ; however, then I noticed {$2100.00} extra in my account. XXXX stated that her boyfriend deposited the extra money into the account for her. The funds were released from the bank within the same day, although I did not have any money to cover the personal check that was deposited not had ever had the money to cover the check. I withdrew the money and gave to XXXX and a week later the check was returned as a bad fraudulent check. It was found out through the bank that 7 other checks were returned in the same matter to Wells Fargo. XXXX agreed to give the money back to me and then deposited a {$3500.00} check in my account, which was also fraudulent. In the mist of all the confusion and disputing with the bank, Wells Fargo has been very uncooperative, rude, and disrespectful. I have disputed the checks on 3 different occasions and merely asking for the question to be answered on who deposited the checks? Although I bear some fault and being native and gullible, I believe this is a massive check scamming ring involving Wells Fargo bankers or tellers. A personal check should have never been allowed for same day withdrawal, especially from a college students account who did not and never had the funds to guarantee the check. I have been banking with Wells Fargo for over 4 years and even when I deposited a check from the IRS and had the money in my account, the check was still placed on a hold status. I truly believe that Wells Fargo is trying to cover up their wrongdoing and will not give me any information. They will not even advise at which branch the check was deposited. We are asking for the cameras to be pulled to verify who deposited the check, but to no avail. Each complaint I make gets closed and then when I remind them the original question has not been answered, they open another complaint with another department. The last department was with the check fraud claims department, XXXX XXXX at number XXXX. XXXX XXXX failed to return any calls until two weeks later and refused to answer any questions and then hung up the phone. He was very unprofessional and I am unsure of why you have claims or a fraud unit when the bank fails to properly investigate the claim. I have since filed a complaint with the XXXX Police regarding the matter. Again I am asking for Wells Fargo to properly investigate the claim and advise of who deposited the checks into my daughters account. To date, Wells Fargo continue to be uncooperative. The police officer had to submit a warrant to just find out the truth on who deposited the checks ; however now Wells Fargo is asking for an extension. They are delaying pulling the cameras as I believe the will see their own wrongdoing in the matter. Although this account started with me and my mother and all transactions were completed when we were on the account together, Wells Fargo will not even talk to my mother which whom they took the money from as I took her off the account, but she was on the account when the fraud took place and started the complaints.

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