Consumer complaint received 2022-09-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint on Wells Fargo Bank in the last two months..short back story of my first complaint made sometime in XXXX of XXXX from the first CFPB account. 

I was expecting a deposit to clear on XXXX XXXX. The funds were made available unbeknownst to me on XXXX XXXX I woke up to pay bills on XXXX-My account had been wiped out for the full deposit amount-Minus the amount I was in the negative for due to a check order I authorized for approx total of {$61.00} ( Which by the way to date I still havent received the check order! ) I immediately filed disputes with WF.The person who filed the first set of claims did not include all the fraudulent charges.Most of which happened at a local casino and Im not even old enough to get into a gambling location as XXXX XXXX XXXXThat alone should of been plenty of proof that I did not make those charges.Plus there was some made at XXXX  that WF filed a chargeback for that wasnt in my name. 
Point being due to the first record of disputes not covering all fraudulent charges-On behalf of another WF customer service employee, I filed another dispute containing what I thought were the charges that hadnt been disputed yet.There was so many charges and it was hard to tell what was what.So I dont fault the person taking the claim info for the first set of disputes-It really was all over the place. 
Most of the 2nd set of fraudulent charges that were disputed, turned out to be disputed with the very first set of disputes. 
So therefore after talking to another CUstomer service employee and going through all the charges one by one to determine what had been disputed and what had not yet been disputed.A third set of disputes were filed for the charges that should of ultimately been included with the first set of charges that were disputed. 
Wells Fargo shut my card down, issued a new card and began a investigation.About the 10th business day I received PC for the first set of disputed charges and several days later PC was issued for the third set of charges.Obviously WF began investigating the claims.I received emails and letters were mailed to my current mailing address stating they determined that an error did occur. 
I already knew that but felt relieved that WF investigation turned out in my favor as Ive read horror stories about filing disputes with banks and the bank denying them even when there was proof of fraudulent transactions. 
Fast forward maybe a week, Ive been busy preparing to go away to XXXXMy mother received a XXXX XXXX  from the State of SC that we had both been anticipating as it was for a large sum and plans for the funds was to go towards all things pertaining to my first year in college.This Check was issued in my mothers name, drawn on a wells fargo account from the state of XXXX.My mother signed the check over to me, I endorsed the check and deposited into the ATM right before leaving town to start my journey in a new state, new school and new home. 
Biiiig Mistake!!!! Upon depositing the check, It was immediately accepted and said it would be available the next business day which would of been XXXX. 
I traveled for about an hour making my way towards my college before stopping to get a bite to eat.While stopped I checked my emails to find several from WF.The first one dates XX/XX/XXXX stated my account had been closed with the reason being depositing check that didnt include an account holder in example a third party check.The email continued on to state that the account was set to be closed by XX/XX/XXXX and all use of the account was blocked.If there was anything remaining in the account that a check would be issued and mailed to the account holders address. 
A second email comes after the closure email that is quoted as a Alert stating the deposit has been placed on hold. 
I than received an alert in my inbox through my wf account stating that the deposit was on hold until the XX/XX/XXXX. 
By this time Im all confused, call my mother hysterical not knowing what to do.She calmed me down and we discussed the matter and after talking what made the most since was to check the account on the 12th to see if funds had cleared my account and if not to wait till XX/XX/XXXX for the account to be closed out as we both figured since the check was Valid, had legally been signed over to me ( theres nothing illegal about signing a check over to someone ) And technically when its been signed over that person is the responsible party.So it should have been safe to assume that WF would honor the check & mail it out to myself the account holder to whom it was legally signed over too, since it was drawn on a WF account by the state of SC & was easily verifiable.. 
But No thats not what WF done. 
Instead they left us in the dark, kept my account opened long after it should have been closed and gave me incorrect information causing big inconvenience. 
After no word of my account being closed and no communication from WF-I decided to call the Fraud prevention Line on XXXX briefly spoke with a CSR who stated that myself and the original payee would need to step into the bank with two forms of ID to get this matter straightened out.I didnt ask many questions as I was about to be late for class and I wasnt sure how we could step into a branch together being in different states at the moment. 
So today XX/XX/XXXX I had some free time and called again.I spoke to another CSR rep.After looking into my account and getting the facts.She stated that two things could happen.I could go to my nearest branch with two forms of ID, my mother could go to her local branch at the same time with two forms of ID and have a branch employee from both location contact each other to verify the identity of myself and my mother or we could both step into a branch together verify Identity, The funds would be released immediately and that would prevent closure of my account.All this is noted in my account.So due to not having two forms of ID on me at my dorm, I decided to skip my last two classes for the day and rush home so that we could step into the bank together and get this matter straightened out..On my way home I decided to call the fraud prevention line back to speak with them again to clarify the process and ask if we should speak to a bank teller or branch manager.She stated a branch manager wouldnt be necessary but that we would need to speak with customer service, that both parties needed to be present with two forms of ID and we would need to sign a notarized statement for the funds to be released since it was a third party check.No biggie & again this is all noted in my account. 
So after last minute cancellation of my classes, rushing to fill my tank up and make it home before the bank closes-I make it to my hometown with less than an hour before the banks normal closing time.My mother meets me at the same location I deposited the check via atm..We wait as its friday the banks are extra busy and theres one person ahead of us.We finally get our turn with the nastiest employee Ive ever encountered at WF.This lady was rude from the start.. 
She made my mother and myself feel like criminals.Straight saying we were committing fraud.Im not sure what she was meaning by stating there was two checks for a total of XXXX XXXX  and was to humiliated to stick around or ask any more questions.She asked what kind of check it was, we plainly told her it was a vendor payment from the state of SC and its stated as well on the check but she refused to hear any of it as she claimed to not know what a vendor check was.Ive never felt so low in my life.After flat out saying we were trying to commit fraud, and informed me that my account would be closed bc of it-We just got up & left in disbelief for several different reasons.One the check is not Fraudulent. 
The check could have very well been verified bc it was drawn on a WF account and there is a number to call the XXXX location, where the state of sc vendor payments are processed.For two on three separate occasions this week by three different CSR I was told the exact same procedure by all three on how to reclaim the check.And there we were following the directions given to only be treated like white trash criminals and for three this lady is in front of mine and my mothers face speaking like its facts that we were trying to commit Fraud and claiming that there was two checks that we tried to cash for a total of {$29000.00} & And that is completely bogus! ! At that point Im shook and not knowing what to think and cant even think straight.And we left without getting her name but Im sure she noted my account.Bc I immediately call the fraud line as I walked out the door.Waited an hour on hold to get another nasty rep who couldnt shut up long enough for me to explain the situation.This rep proceeds to tell me that WF has decided to end the banking relationship with me because of the fraudulent disputes I previously filed.So Im confused bc just a few hours before I wasnt being told that.And this rep proceeds to tell me that somethings wrong with the last three reps heads I spoke with WOW!! And I have Emails stating that my account would be closed to a third party deposit but now its from legitimate disputes?? So which one is it??? This rep also proceeds to tell me that there is no funds from the check bc it was rejected.Which I clearly understand it was rejected but that doesnt tell me how to reclaim the check bc I know for a fact the check is legitimate and can be negotiated somewhere else.And technically once my mother signed it over to me, I am the person legally responsible for the check regardless if WF refuses to honor the check anyways.So I should be able to get the check back but yet WF is holding XXXX treating myself and mother as some frauds, judging us bc were lower class and We both feel discriminated against and humiliated.What since does it make for yall to close my account down due to to many disputes filed for fraudulent charges when WF themselves determined in their investigation that an error did occur!! Why should I be faulted for an error I didnt make?? Sadly Ive seen that WF doesnt care about their customers at all and thats a shame.I will be contacting a lawyer for several different reasons.Im only XXXX and scared to death to deal with another bank.I understand now that depositing a third Party check is a big no no but I should not have been humiliated after doing what three reps told me to do.I should not have been made to feel like a criminal, I should not have left the building today feeling white trash by the XXXX XXXX XXXX who was supposed to help me today.i should not have had to cancel two classes today , drive 3 hours home to follow what three reps told me to do only to be treated like all of the above..Im a broke college student not a dang criminal.and my mother shouldnt have felt less than the other customers in the building.Farther more I should not be denied access to legal legit funds and will be pursuing this in every way possible

Company response to consumer: Closed with explanation