Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been with Wells Fargo since 1996. My husband always made great money and received regular direct deposits. We also had a mortgage and car loan through WF and never made a late payment. About 13 months ago, my husband who is also on the account XXXX XXXX, leaving me in debt. So I have struggled to keep up. Recently, I have been ill and have no health insurance. Social security told me to come back in 8 years when I am XXXX. AZ state is out of funds to help it's residents with rent. I got behind on my rent and was told I would be evicted if I didn't catch up by XX/XX/XXXX. So the only thing I could do was sell my car. XXXX bought it for {$10000.00} and gave me a bank draft saying the funds were guaranteed with a draft. I deposited the check in an ATM and was sent an email that at least half would be available immediately. That wasn't true, so I called several Wells Fargo branches, corporate and the customer service numbers. I talked to about 8 people who all said they couldn't verify funds from check writer. So, I called XXXX customer service and their corporate office and C.E.O. They all said that everything was good on their end and told WF to put the check through asap. but WF said they need to wait now 7 to 10 business days! I deposited this check on XX/XX/XXXX. They're telling me it won't be available for 2 weekends. Maybe the XXXX. I told them I am behind on bills and rent and that's why I sold my car! Now you guys are going to hold the funds, which they never explained why? Nobody can give me a straight answer. In the meantime, my utilities are getting shut off and I am being evicted. I don't even have a car anymore. I have an XXXX XXXX XXXX daughter with XXXX and 2 dogs that are sick. I just had to put one down. We can't even get our dogs medicine! I have sold almost everything this past year just to stay afloat. We have nothing left. We've lost everything. This was our only hope and WF is torturing us by holding it. Their own rules say this is unacceptable and that 2 business days max when the writer and recipient both bank with WF. There is no good reason to hold like this. We have been through an unbelievable amount of heartache and XXXX. Our only reprieve was the sale of my car and WF kills it. We are done because of them. Things I paid are hitting the bank and now it's negative, they've sent payments back and now those accounts won't accept payment other than cash and I have no car to get it to them. WF is now going to charge overdraft fees and more for their own mess up. I've done nothing wrong and I feel like a common criminal. 
I need this draft to post asap or I want my check back and I'll go elsewhere to open a new account with another bank. 27 years of standing by their crooked side and this is the thanks we get. 
Nobody could possibly know the nightmares I live every single day. I have XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX, etc. Everyday. I have XXXX XXXX XXXX  and can barely XXXX. My XXXX XXXX XXXX XXXX and the pain is excruciating. I have no family or anywhere to go. All of this because of Wells Fargo. 
Please, please help. I don't know what else to do.

Company response to consumer: Closed with monetary relief