Consumer complaint received 2020-08-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please I need someone that will actually read everything that has took place here Before sending me a email telling me that you can not help me in this situation. Under the laws for XXXX  people as I was then as I am still today I have Rights and the confirmed Protection act says I'm protected. 
I was the named Executor and primary Beneficiary on my mother 's completed roll over from a 403 b into a IRA AT Wells Fargo bank in Oregon. She originally was to complete her roll over with a different bank But had established such a good relationship with Wells FArgo that she didn't want to leave, So her and the banker made some phone calls and had it so that her retirement was being deposited into her Wells Fargo bank account. My mother had been recently diagnosed with XXXX XXXX and she was not driving any longer So I drove her and was with her by her side in this hole process. My mother voiced her concerns to this banker over security of her investment That is when after this banker suggested that she also set up what was called a TOD AND POD ..The banker explained that with this set up in addition to me already being named the Executor// Primary Beneficiary on this IRA plus life insurance that it would be vertually impossible for theft to ever take place. Well. Right then that's what my mother did she set up in addition to her IRA THE TOD AND POD. EVERYTHING COMPLETED THE IRS SIGNED OFF AS HER ROLL OVER HAD COMPLETED. WELL NOT EVEN 6 MONTHS HAD PASSED AND MY MOTHERS HEATH WAS DECLINING RAPIDLY SO WITH SOME TALKING WITH SOME DOCTORS IN THE XXXX OREGON AREA MY MOTHER WAS GOING TO GO UP THERE FOR TREATMENT. IT WAS THE MORNING THE SAME DAY I WAS TO DRIVE HER TO THE XXXX HOSPITAL AND AS SOON AS I GOT IN HER HOME SHE CALLED HER EMPLOYER AS ME AS HER WITNESS SHE WOULD TELL ME AND SHE RIGHT THEN ONCE AGAIN VARIFYED WITH HER EMPLOYER THAT INDEED EVERYTHING WAS SET UP PROPERLY IN THE EVENT SHE WHERE TO DIE YES EVERYTHING WAS SET UP SO THEN SHE TELLS ME WE HAVE TO STOP BY HER BANK AND IM GOING IN WITH HER SHE SAYS AND SHE IS GOING TO HAVE HER BANKER RIGHT THEN TELL ME EXACTLY WHAT I WILL HAVE TO DO IN THE EVENT SHE IS TO DIE WELL NOW THE WAY SHE SAID IT SCARED THE HECK OUT OF ME AND I STARTED A ARGUMENT WITH MY MOTHRR ON HOW REDICULOUS THIS WAS FOR HER TO BE GOING ON AS SHE WAS THAT SHE WASNT GOING TO DIE AND NO I DIDNT NEED TO GO INTO THIS BANK WITH HER TO HEAR THIS. WELO SHE WON THE ARGUMENT AND I WENT INTO WELLS FARGO SAT DOWN AT HER BACKRRS DESK AND IN MY MOTHERS PRESENTS THIS BANKER LOOKED ME RIGHT IN THE EYES AND TOLD ME ALLS I WOULD NEED WAS HER DEATH CERTIFICATE IN THE EVENT MY MOTHER WOULD DIE. WELL IT HAPPENED MY MOTHER DIED 10 DAYS LATER I WAS A TOTAL WRECK I COULDNT BELIEVE SHE WAS GONE. I CALLED THE BANK JUST AS THEY TOLD ME TO DO AND IT WAS LESS THAN 8 HOURS AFTER HER DEATH. THEY TOLD ME NOT TO WORRY ABOUT A THING EVERYTHING WAS SAFE. I WENT INTO THIS BANK NOT 2 WEEKS HAD PASSED SINCE MY MOTHERS DEATH I GUESS I SHOULD HAVE RAN RIGHT IN THERE THE MOMENT SHE DIED BUT MY GOD ITS WELLS FARGO BANK NO ONE IS GOING TO BE ABLE TO STEAL ANYTHING RIGHT. VERY WRONG LISTEN TO THISB SO I GO WALKING INTO THIS BANK NOT 2 WEEKS HAD PASSED SINCE MY MOTHRRS DEATH I HAVE HER DEATH CERTIFICATE JUST LIKE THE BANKER SAID THATS ALL I WOULD NEED I WALK UP TO THE COUNTER AND COUNTER TELL THEM WHO I AM HAND THEM MY MOTHERS DEATH CERTIFICATE and then the teller teller. I'm sorry your mother doesn't have a IRA WITH US THE ONLY THING I SEE HERE IS A CHECKING ACCOUNT WITH A POD ON IT. MIND YOU THE CONTINGENT IS STANDING RIGHT BY MY SIDE THIS HOLE TIME ACTING AS THOU SHE KNEW NOHING. WELL I SAID EXCUSE ME BUT WHERE IS THAT BANKER THAT WORKED RIGHT THERE IN THAT DESK AS I POINTED..OH HE DONT WORK HERE ANY LONGER ... BUT MAME YOU MUST CLOSE THIS ACCOUNT RIGHT NOW RIGHT NOW SHE XXXX SAID I WILL NOT. NOT UNTIL I FIGURE OUT WHAT THE HECK IS GOING ON HERE. THEN SHE CALLS HER MANAGER AND HER MANAGER SHOWS UP ALSO INSISTING THAT MY MOTHER DONT HAVE A IRA WITH THEM AND THAT I MUST CLOSE THIS ACCOUNT RIGHT THIS MOMENT. WELL TO MAKE A LONG STORY SHORT. I WASNT ABLE TO COLLECT NOTHING ALL OF THESE YEARS AND I WENT TO THE XXXX OREGON AREA FOR THE HOLIDAYS THIS LAST XX/XX/2019 AND JUST AS I HAD BEEN DOING SINCE MY MOTHRRS DEATH. I MADE CONTACT ONCE AGAIN WITH THIS BANK AND THIS EMPLOYER.. AND RIGHT AFTER I GOT OFF THE PHONE WITH THE EMPLOYER I GOT A PHONE CALL FROM THE CONTINGENT LAUGHING HER HEAD OFF CALLING ME XXXX TELLING ME TO PLEASE STOP CALLING MY MOTHERS PAST WORK LOOKING FOR HER RETIREMENT THAT SHE AND A FRAUDULENT DURABLE POWER OF ATTORNEY WITH THE HELP OF XXXX IN THE HR DEPARTMENT AND WITH THE HELP F THIS BANK THEY ALL HAD MY MOTHERS RETIREMENT WITHIN THE FIRST 60 DAYS OF HER DEATH. WELL DIDNT KNOW IF. SHOULD BELIEVE A WORD OF THAT THE WAY SHE AS GOING OFF ON WHAT A GREAT job XXXX n the HR DEPARTMENT DID..SHE WAS THE ONE THAT STOOD AS THE WITNESS AD THIS FRAUDULENT DURABLE POWER OF ATTORNEY REMOVED MY PRIMARY NAME ON EVERYTHING AND REPLACED IT WITH EITHER THE CONTINGENTS NAME OR HIS WIFES NAME..I COULD BELIEVE HOW SHE WAS GOING OFF TELLING ME HOW XXXX HAD ACCESS TO EVERYTHING HOW SHE DESTROYED PAPERS I JUST COULD BELIEVE THIS WAS EVEN POSSIBLE BUT I HAD TO KNOW THE TRUTH SO I CAME HOME AND HIRED A INVESTIGATOR THATS RIGHT.? I SURE DID..AND GUESS WHAT THIS INVESTIGATOR FOUND SITTING RIGHT WHERE MY MOTHRR IS SET IT UP AT..HE FOUND MY MOTHERS IRA SITTING RIGHT AT WELLS FARGO BANK TODAY..NOT WITH MY NAME ON IT ASMY MOTHER HAD NAMED BUT AS THIS FRAUDULENT DURABLE POWER OF ATTORNEY HAD WALKRD INTO WELLS FARGO BANK MONEY WAS EXCHANGED OH YES SIR THE CONTINGENT TOLD ME THEY ALL GOT MONEY FOR HEIR HELP SWEAR TO GOD SO HELP ME GOD THIS IS THE TRUTH. SO TODAY THIS VERY DAY TODAY THE CONTINGENT IS DRAWING MY MOTHERS IRA OH YES THEY GOT THE LIFE INSURANCE HER EMPLOYER BENEFITS HER OTHER SEPRETE LIFE INSURANCE POLICYS WHEN MY NAME WAS THE ONLY LEGAL NAME ON ANYTHING AND BECAUSE IM XXXX THERE IS NOT NO ONE THAT WILL HELP ME AND I  AM STANDING UP SCREAMING MY HEAD OFF TO CONSUMER PROTECTION. I HAVE THE BANK SIDE CASE WITH THE COMPTROLLERS RIGHT NOW TODAY AND I AM REACHING OUT TO YOU TO ENFORCE MY CONSUMER RIGHTS AND THE RIGHTS OF MY DEAD MOTHER AND THE VALID WILL THAT SHE HAD.. AND THE VALID CONPLETED ROLL OVER MY MOTHRR COMPLETED THAT THE IRS HAS ON FILE WITH MY NAME AS THE PRIMARY I WANT WHAT THE LAWS SAY IM DUE ITS MY RIGHTS I GUESS I CANT PUT MY CASE NUMBER DOWN HERE FOR THE COMPTROLLERS BUT IT SHOLD BE THAT HARD TO FIGURE OUT BECAUSE I HOPE IM SCREAMING LOAD ENOUGH NOW TO BE HEARD ..THANK U VERY MUCH. I JUST WANT WHAT MY MOTHER LEFT 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