Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am the XXXX XXXX XXXX XXXX  called XXXX XXXX XXXX XXXX XXXX. Contact information is as follows ... Business Phone # ( XXXX ) XXXX cell phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX I had an employee by the name of XXXX XXXX that deposited another employee 's 2 checks into her Wells Fargo account on XX/XX/2022. The account number is XXXX. The other employee 's name, who the check was written to is XXXX XXXX XXXX. XXXX, simultaneously, deposited another person 's check ( I'll refer to him as " person # 3 '' since I don't remember his name ... from another business that same day. They are all very good friends and were roommates at the time. They are all international students that are currently not in the country but I do still interact with them -- mostly due to what I'm in the middle of explaining. 

Wells Fargo kicked out the deposit of the check from " person # 3 '' and closed XXXX 's account. It's my understanding that they were supposed to do that to our checks ( written to XXXX XXXX. The status of my 2 checks was left in limbo... They maintained the money from the third party deposit that they were not supposed to keep. 

A few days later the girls came to me and asked me if I could cash their checks. I did without issue. They failed to tell me that they had already deposited them and that they couldn't get to the money. After cashing the checks and depositing them into the XXXX XXXX -- the checks bounced back. 

This started a huge mess. After forcibly closing the account, Wells Fargo moved the money in the amount of {$2600.00} to a loss prevention account. I then brought XXXX to the local branch twice to sort everything out. Everyone that I have worked with has not been able to help me or XXXX. We spent hours in person, on the phone and via emails. I have about 100 pages of paperwork on this that ranges from the copies of the checks from XXXX XXXX, the two differing bank deposits, the Viewpoint transaction details, the full printout of XXXX XXXX 's account along with her social, DOB and much, much more... 

The girls have received the money off of their checks and the business is currently still trying to get the {$2600.00} back. I've had our bank, XXXX XXXX, try twice to retrieve the funds. We have lodged 2 requests for the funds to be returned. Each time we are put into a 1 to 2 month cycling Que (? ) where a response is promised at the end but no one has ever reached out either time. We have never received an explanation, answer or been directed on how to handle this going forward. I'm mired in no-man 's land with the different departments in Wells Fargo not being able to communicate with each other about anything to get me heading towards a resolution. I have about 60 man hours invested in this -- if not way more. No one from Wells Fargo wishes to help either myself, XXXX or XXXX. They shut me down because I'm not on the account. They shut XXXX down because she's not on the check. They won't respond to XXXX because she doesn't/did n't have an account with them. They will not talk with the officers of my bank. They will not respond when promised. I'm now being told that MAYBE the money has been sent to the state in one of the girls ' names for uncollected/unclaimed money because they, Wells Fargo , say that they won't hold money like this... but they aren't sure exactly where the money was moved to as they can not track its whereabouts. I repeat, they can not say where the money is. I was, however, told that after 2 months they like to forward it to unclaimed $ in whatever state. I went to the UNCLAIMED MONIES site for North Carolina and their names did not " ping ''. 

I can get the girls to provide any assistance to remedy this as they are not thieves. I have already shown that I will do anything asked to get this handled. I just need some sort of internal communication from Wells Fargo with instructions on how to proceed in order to rectify this. I have any documentation you may request on this. I'm only sending over what I think you need at this point. I don't wish to bog down the process by overscanning documents. 

On the first scan that is 6 pages long you have : 1. XXXX 's first check in question 2. XXXX 's second check in question 3. A copy of the cover sheet to her statement 4. The XX/XX/2022 statement showing the deposit of the first check 5. The JXX/XX/2022 statement showing the deposit of the second check along with " person # 3 's '' money being returned from the 3rd party check that has nothing to do with us 6. The closing statement showing where Wells Fargo moved the money to a Loss Prevention Account At the end of the day, the girls have received their money and Wells Fargo is holding the XXXX XXXXs money HOSTAGE. 

My information- XXXX XXXX XXXX Phone # ( XXXX ) XXXX Email XXXX XXXX

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