Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX I opened an account with my local Wells Fargo Bank. My employer of 16 years had numerous accounts with Wells Fargo and my payroll check was issued on a Wells Account. Everytime I would need to cash my payroll checks I was charged {$7.00}. I believe the fees over the years is upwards toward XXXX. I was provided with a checking and savings account. I requested overdraft protection and attempted to monitor and maintain the account. XXXX was also a traumatic year for me. I was involved in a XXXX accident and suffered XXXX and other injuries. Nonetheless, the accident re-aggravated injuries of prior XXXX, etc. I always worked closely with my personal banker and the staff at XXXX the branches that I would visit to keep them abreast of my medical condition as I anticipated pursuing a XXXX claim for my injuries and seeing that I worked XXXX, I knew this would be advantageous to me and the bank. Unfortunately, my medical condition was such that I had to go to the ER on several occasions as I had XXXX. I became XXXX, and had to take XXXX and XXXX XXXX My condition was such that I thought I did not have XXXX a friend offered a vacation to XXXX XXXX. I soon discovered that a travel agency attempted to charge my account with more than {$1600.00} for a ticket that I did not purchase. I contacted Wells Fargo, they investigated and said the charge was removed. I underwent numerous serious XXXX ( and still went to work everyday ) and it was determined that I had a XXXX. With a XXXX it became difficult to remain on top of my " small '' bank account. I spoke with a banker to obtain the tools to assist me as I anticipated receiving a substantial settlement and funds from my brother 's estate. The personal bankers were helpful and soon my medical condition was such that I was scheduled for XXXX on XXXX XXXX, XXXX. I had never provided my banking information to anyone. But I soon discovered the morning of my XXXX that someone had deposited a check in the amount of {$2300.00} in my savings account via taking a picture of the check and depositing the same. I noted this deposit and knew that it was not mine ... I could not see my signature on the back. I have never used mobile banking and I never just place money in my savings account .... I called the Fraud Department at Wells Fargo. I was distraught as I could not utilize the account and was forced to pay {$7.00} to cash each of my paychecks again. When I heard nothing, I filed a police report with the XXXX, FBI, and put a fraud alert with all XXXX credit bureaus. Wells Fargo never called and though I called them, they stated they were still investigating and had 10 days. In the interim, I called the Wells Fargo bank in XXXX where the check was drawn and spoke with the Br Mgr and he stated there had been a theft at some school and the checks were fraud. I provided all of this information to Wells Fargo. This acct. was closed. I was told it was not anything I was involved with. I was in a Chapter XXXX that was discharged after 53 months in XXXX XXXX and felt I could re-open another account at Wells Fargo. I went there Friday, XXXX/XXXX/XXXX opened an acct with the branch manger with my payroll check. On Monday XXXX/XXXX/XXXX I tried to get my balance and they said my account was closed and to call total loss recovery. I was stranded I had no money and had to sleep in my car. Wells Fargo gave me no explanation. I was distressed and spoke with the mgr & she apologized. WELLs fells I was a high risk person and will close the acct without notice and they would mail my money to me. This is not acceptable. I feel that I am being discriminated against. and did everything right. I am not a bad.

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