Consumer complaint received 2016-05-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On Thursday XXXX/XXXX/2016 I closed my account with XXXX. I am moving XXXX and they do not have any ATM 's or Retail branches XXXX. I received a cashier 's check from XXXX for {$680.00} with check # XXXX from account # XXXX from my local branch XXXX ( Branch XXXX XXXX XXXX XXXX ). Right next door is a Wells Fargo retail branch office ( XXXX XXXX XXXX XXXX ) I opened an account and deposited {$680.00} using the XXXX cashier 's check to open the account. ( Savings account number XXXX. I tried to do online banking over the weekend ( XX/XX/XXXX2016 ) however I could not transfer money like I was supposed to. I knew there was something wrong and went to the Wells Fargo Bank on Monday XXXX/XXXX/2016. 

On XXXX/XXXX/2016 I went into the Wells Fargo bank, XXXX XXXX informed me that my new account was on hold because their fraud division suspected something funny with the XXXX cashiers check I received from XXXX. I called the Well Fargo Fraud division, they told me I need to get a letter on XXXX letterhead stating the check issued for {$680.00} from XXXX was from them verifying it was a legitimate check and the funds were available from XXXX. 

That same day I went next door to the retail branch of XXXX, the same XXXX that issued the check and spoke to the Branch Manager XXXX XXXX XXXX, he told me he could not write such a letter from his branch office. I sat in the office with XXXX XXXX and my Dad XXXX XXXX XXXX XXXX, we called the XXXX help line with the help of the XXXX branch manager, we spoke to customer service, they could not write a letter as needed and describe above too, the call was escalated to the XXXX retail escalation department. I spoke with XXXX XXXX XXXX, she too told me she could not write the simple letter needed to verify that the Check written from XXXX for {$680.00} that closed my account was written from XXXX. 

All of the XXXX employees told me the funds has been 'cashed ' encumbered by Wells Fargo already and the amount of {$680.00} and had gone through the banking system. I went back to the Wells Fargo retail branch XXXX, where I open the account, spoke to XXXX XXXX XXXX XXXX, he said since the account is now in the hands of the Wells Fargo fraud division there was nothing he could do. 

When my Dad asked what would happen if we just closed the account and went to a new bank XXXX XXXX XXXX XXXX XXXX said I would not be able to open an account at any bank since I would be on some list that would brand me as trying to cash/deposit fraudulent checks. And this information would go through out the banking system. 

I did nothing wrong, I worked with XXXX national banks, gave them legitimate checks, XXXX bank will not talk to the other or write a letter or review the account to see if the check has cleared. XXXX bank ( XXXX ) says the funds are now with Wells Fargo, Wells Fargo will not acknowledge that, they will only take a faxed letter on letter head stating from XXXX the check deposited at the local Wells Branch is a good check and that it comes from XXXX. XXXX will not write that letter to me. Why, I do not know.

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 monetary relief