Consumer complaint received 2017-10-12
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank, XXXX XXXX, XXXX XXXX XXXX I deposited a check in the amount of {$6000.00} on XXXX XXXX XXXX via ATM, XXXX GA ( XXXX XXXX XXXX ) and told by the online customer care that if the funds were available by XXXX XXXX XXXX XXXX XXXX XXXX, would post and be available on the XXXX of XXXX XXXX. I went into the XXXX XXXX yesterday ( XXXX XXXX ) to confirm the funds would be in my account by COB on the XXXX and the XXXX XXXX asked me with a very sarcastic attitude what COB stood for, and was not familiar with the acronym and clearly diverting from the matter at hand. 

Today ( XXXX XXXX XXXX ) at XXXX XXXX I checked the account online and the funds had not posted to my account. I called customer care ( XXXX ) to see why the funds were not fully posting to my account and was told that an additional hold until the XXXX of XXXX was in place on most of the funds, due to negative account history of the past 6 months. I then was told by customer care at XXXX XXXX that had been cleared, and now they needed to verify funds were available with XXXX XXXX XXXX bank in Maryland and would I mind being placed on a brief hold, I said no not at all. 
I was on hold for some time and when the customer care representative returned they said the XXXX XXXX XXXX would not verify funds available for the check issued to third parties and as a secondary approach I could request proof of payment on letter head from XXXX XXXX XXXX. I attempted this by telephone and the XXXX XXXX XXXX bank representative said there is no need for this, as she could see the funds had moved to Wells Fargo, clearly and she had no idea what it was they wanted any further as nothing is needed and in fact the now status of the account and the funds could be applied by the local XXXX XXXX. 
I went to the XXXX XXXX XXXX shortly after that conversation with customer care and the XXXX XXXX insisted that now they needed verification the check had cleared, This new and arduous ruse went on for XXXX minutes with a charade of attempted calls to XXXX XXXX XXXX bank in my presence and was irrelevant given she, the XXXX and I, knew the funds were already in the possession of Wells Fargo. 
This was clear as was the reason for the extended hold on the funds, that from the beginning of the morning of the XXXX were never in question where the funds were, but only why they were not being applied to my account. Growing tired and increasingly offended of the equivocating information being provided. 
During this entire encounter, whom ever her assistant is ( same person that asked me what COB stood for the day before ), continued to roll her eyes insisting she had made every attempt possible and now the XXXX XXXX says they have gone out of their way to try to help rectify this and get the funds applied. I laughed as I then informed the XXXX XXXX at this point that the customer care team informed me that she had the ability to apply the funds to my account with no further delay and that I am a XXXX XXXX XXXX XXXX XXXX XXXX and in fact, the check is drawn on my status as a full-time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I also informed the XXXX XXXX that I had filed a complaint as of today and then, in the open place of business, in front of customers, from the office ( door wide open ) and clearly audible for all to hear, employees included, she acknowledged by saying I do have that ability but what makes you think I want to help you now after you filed a complaint against me? I was speechless, but restated her position and alls she did was raise a sharp eyebrow and a look of pure iniquity. Call your bank there were over XXXX people, employees, customers etc. that heard it. It was mind blowing and had no words.

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 non-monetary relief