Consumer complaint received 2020-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Earlier I filled a complaint Id XXXX which has been closed without solving my problem. I am not at all happy with the Wells Fargo Bank response. They are telling that they can close my checking account with the signature of joint owner as per privacy agreement. This rule is against the human rights of a person. How can they close my account without my permission. 
I am very sorry to say that some of USA rules definitely help criminals like my husband. It is very pathetic to say that my husband never shown me my complete SSN No. He kept my SSN in his locker under his own custody. I know only last 4 degits and I don't know first five degits of my SSN no. He kept my SSN under his control till today. I made several complaints to SSA administration but no use as per USA privacy rule they would not disclose investigation details even to the person who made complaint. What a pathetic situation. They told me that I have to attend in person to collect my SSN no.

Now this Wells Fargo Bank is also telling me to recover my user ID and password with my SSN no. I don't have my complete SSN no. My husband XXXX  me in XXXX with out money, cloths, educational certificates from class XXXX to XXXX. All my belongings were in USA under his custody. So I do not have any job. My huband is not paying any maintenance. I am now living with my parents. Kindly I request Wells Fargo bank to share my SSN Number first 5 degits. Which is useful for me to open online account and to collect my tax returns filed by Mr XXXX XXXX. I suspect that he married some American girl with out disclosing my marrige with him. He is having kids also. 
Kindly send me scanned copy of my signed documents for the XXXX given in bank at the time of adding my husband name to my account to verify my signature and also where I can get my SSN no and XXXX no. I request you do not say that this request is against privacy laws of USA. I am totally vexed with this response receiving from various organisations from USA. Since I am the actual person with valid gmail I'd recorded in Wells Fargo Bank they can share my details in my valid g mail account.

In this connection I want to tell your office some of the following dicrepancies have been noticed in Wells Fargo reply. 
As per Wells Fargo letter my husband has been added to my account in XXXX XXXX XXXX without my approval. where as in enclosures attached by Wells Fargo it is noticed that my husband produced the documents for change of relation ship in XXXXXXXX XXXX XX/XX/XXXX. It means to say that my husbands name has been added to my account on XXXX XXXX XXXX prior to submission of Application i.e XXXXXXXX XXXX  XX/XX/XXXX which is quiet illegal. Wells Fargo Bank has issue clarification in this regard. 
More over In the relation ship change application my relation with Mr XXXX XXXX is not indicated. 
More over my signature in the change of relation ship application has been changed and I suspect that my signature has been forged by my husband to add his name to my account. In this connection I want to state that my husband has already committed Medical Identity theft for which I have already lodged complaint to XXXX Police Station and OCR/HHS. 
I made a phone call Wells Fargo Bank to collect my Tax Identification Number. But they did not responded well. They are asking my SSN Number as I have already stated above I know only XXXX digits of my SSN. My husband did every thing In a preplanned manner In view of above I request your Office to instruct Wells Fargo Bank to send Original Application submitted during XXXX at the time of Opening Bank Account and XXXX at the time of submitting relation ship Change Application to check my signature Which I suspect as Forged signature.

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