Consumer complaint received 2020-12-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The online system was used to create an account with WellsFargo ( WF ). WF did not create the account. Instead, they advised me to go to the bank for ID verification. I have no intentions of going to any branches in the middle of a pandemic and risk my life with COVID. There was no option given to withdraw or cancel the pending application. Without further contact WF triggered some type of SAR activity on my resulting me unableto procure another checking account with another lender. WF has a history fraudulent activity against subscribers including faking accounts. They have been subject penalties before. WF is a predatory bank which discriminates against non-whites and creates a hostile banking environment for minorities. This is how they force people into signing up with them. I checked XXXX report, it is fine, nothing on there. There is no legal and lawful reason to entrapping me into going into their branch only to open an account and to close the account. Whatever they are doing is awful is another example of the US banking system failure. The entire system needs to be disinfected. It is a plague on humanity. I am not going to their branch. I know I am a real person with real IDs, and I exist. I am not imaginary. I do not need to them verify me. My mother verified me when she gave birth me. I do not want account with this lousy bank, and I do not want to go their branch only to open an account to close right after. You can not even walk down the street with fearing for your life from COVID, police, can not travel, can not sit on airplane, can not open accounts, can not find work, can not get healthcare, and can not do anything. The worse banking system on the planet. At least the XXXX XXXX knew their system did not work and decided to put an end to it. These mega banks do not work for us. This is not a democracy. I have zero agency over these anti-competitive monopoly banks. This is not even free market capitalism. Break these banks up, and distant their hold on consumer power and our ability to control our won funds. This is why the XXXX world welcomes the Rise of XXXX. 
I go through enough verifications in my life. I am being verified for over 30 years now. I can not even XXXX without being verified. XXXX XXXX has less verifications than this god-awful failed system of verifications. Life in America is XXXX, and coloured people are living in a never-ending nightmare. Why dont you tag coloured folks like the XXXX tagged people with tattoos in the camps and chip us like monkeys? I have to verify myself to give them my money. They are delusional if they think I will go in their COVID city branches and interact with them face to face in the middle of the pandemic. I do not even go to the hospital for urgent healthcare. What planet are these people living on?

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