Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

My original complaint number : XXXX My new complaint Wells Fargo is lying about what it supposedly investigated, while also accusing me of some nonsensical account violations : The Escalations department is denying me the opportunity of escalation above said department that is working to further defraud me and is accusing me of doing things that I have never done and would never do. 

This is in reference to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX email. I again, now for the fourth time now that I respectfully request escalation of my complaints, even though Escalations Representatives from the Enterprise Complaints Management Office are resistant to my request.

Escalations Representative Enterprise Complaints Management Office do not own Well Fargo and as such I respectfully request audience with the office above the Enterprise Complaints Management Office. 

I will continue this same request until honored. I do not wish to continue to deliberate with individuals determined to continue discrimination against me. 

I do not need to open new accounts as my account were in good standings, I am a customer of Wells Fargo for over 20 years and Wells Fargo should be professional enough to treat me as such. 

My intent, in case that there is any misunderstanding, is to have my accounts reopened without my reapplying for what is nonsensical and fraudulently contrived. 

None of the activities of my accounts violated any provision of the USA Patriot Act or the Financial Crimes Enforcement Network.

I am not and have not participated ever in the prohibited activities that the USA Patriot Act or the Financial Crimes Enforcement Network were created for to combat.

Further, I resist the implication that in some manner I or my companies participated or for some nonsensical assertion di violate any law or rule pertaining to any state or federal rule or mandate.

I further state that I strongly believe that representatives of Wells Fargo have falsely accused my or my companies of doing anything that violates any USA Patriot Act or the Financial Crimes Enforcement Network or any other law or mandate, in the course of operating my bank accounts with Wells Fargo. I also assert that Wells Fargo is a banking institution, not the federal or state government and as such can not fabricate conditions of how I operate my companies or business, specifically, where I operate said business or where said business is undertaken or what my business practices are, save any and all illegal business practices.

My accounts, to date have only been used to facilitate paying for the costs of operating my businesses i.e. paying XXXX XXXX secretarial fees ; paying XXXX XXXX XXXX  the monthly/yearly virtual office lease fees ; paying any taxes levied by the state of Texas XXXX XXXX XXXX XXXX XXXX for my company email services ; and any other relevant fees consistent with the operation of my two businesses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As I have stated may times, I do not wish to argue with you but, I have never had an account closed like this and this is wrong and you know that I am telling the truth. I am drafting a new complaint to the FTC that includes this misdirection of my complaints. 

Also, the email system that you force me to use, XXXX XXXX XXXX XXXX automatically deletes emails and even if I compose drafts or sent emails, it deletes those as well. So, now that I realize that your supposed secured email service works in this diminishing capacity, I am trying to always print out a copy of all of your emails to me and my emails back to you as well. Beside the chaotic email and phonemail systems, I do not seem to be able to connect with persons who are willing to fairly look at my accounts in a timely manner. 

Repeatedly, Wells Fargo 's Escalations Representatives, decides to truncate or change my complaint to reflections of their perceived notions of what I mean in my complaint. My complaint is and has always been for the past 6 years or better : I strongly believe that Wells Fargos Banking Representatives have discriminated against me and retaliated against me for one of several reasons : 1. Wells Fargos Banking Representatives falsely accused me or my companies of violations USA Patriot Act or the Financial Crimes Enforcement Network.

2. Wells Fargos Banking Representatives discriminated against me in that they have fabricated reasons that are not applicable to my account usages.

3. Wells Fargos Banking Representatives do not seem to know or interpret the USA Patriot Act or the Financial Crimes Enforcement Network policys correctly and in doing so, caused near irreparable harms to me and my companies.

4. Wells Fargos Banking Representatives continually fabricate further supposed implication that do not reflect any way that I have ever used any bank account ever.

5. Wells Fargos Banking Representatives ignored my numerous requests for escalations and clear disclosure of what if any activity that I committed that have violated said USA Patriot Act or the Financial Crimes Enforcement Network.

6. Wells Fargos Banking Representatives conducted a Witch Hunt in order to fabricate some reason to support said false accusations that my accounts somehow violated the USA Patriot Act or the Financial Crimes Enforcement Network policies or rules.

7. Wells Fargos Banking Representatives ignored that my businesses perform research and design of new products, my company does not solicit any business from other companies or individuals, as such my company never has had any revenue traffic into or out of my account, except to or from other accounts that I managed or own. None of these transactions have ever been involved in any money laundering or trafficking, nor would I ever elect to do so.

8. Wells Fargos Banking Representatives have retaliated against me because I am one of the students that actively protested repayments of fake student loans and predatory fees on said fake student loans assessed while I actively refused to pay those fake student loans. Wells Fargo did hold one or more of the notes on said fake student loans.

9. Wells Fargos Banking Representatives retaliated against me because I resisted their nonsensical assertions on how I am supposed to operate my research and design businesses.

Wells Fargos Banking Representatives have cultivated a supposed mechanism where I am forced to reapply for accounts that were already in good standing, wherein my company can not qualify since my companies use Virtual Shared office spaces, as such my company is not assigned any utility charges or normal lease agreements. 

This is done to afford my company and companies like mine the ability of business ownership without the financial burden of the high fees and other charges associated with business ownership. 

My references to a precipitated disposition that Wells Fargos Banking Representatives have taken against me because of my being one of thousands of students who was defrauded by the misused student loan program by fake colleges and universities, did not mean that I wanted Wells Fargo to investigate what or who my loan servicer was.

Which was all that Wells Fargos Banking Representatives investigated, supposedly. Further, Wells Fargos Banking Representatives did not investigate my claims of retaliations and false accusations as they would apply to their accusations of USA Patriot Act or the Financial Crimes Enforcement Network violations, policies, or rules.

There are no federal laws that explicitly prohibit using a virtual address for business banking.

However, banks are required to abide by the Patriot Act, which dictates that banks must verify a customer 's identity and physical location ( among other things ) before allowing them to open an account. 

Wells Fargos Banking Representatives know that I have been a faithful customer for well over 20 years and as such have identified me on numerous occasions, they have my social security number, drivers license, passport ID and they have corresponded with me for decades.

Wells Fargos Banking Representatives continue to alter my complaint and fabricate more and more contrived nonsensically derived accusations that besmirch my personal veracity and gives false reasons to bring these claims before any authority.

They are now asserting that I have Financial Crimes Enforcement Network violations, this is the latest false accusation that I am completely void of ever committing.

Wells Fargos Banking Representatives changing my complaint does not negate the validity of said complaint, it just wastes valuable time doing nothing but looking into nonsensical matters, instead of focusing on the real issues. 

What I meant was that I strongly believe that Wells Fargo has discriminated and retaliated against me because I opposed this mistreatment against me that have gone on for over 5 years now. 

If my use of shared virtual office space was illegal in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  would not allow for such business registrations. 

Also, I referenced that after the supposed XX/XX/XXXX email that Wells Fargo 's Escalations Representatives state as the reason my accounts were closed, bypass the fact that there were subsequent complaints filed and that I was told that after I corrected the doing business as paper, my accounts would be restored. 

I respectfully again request that my complaint is escalated above the station of Wells Fargo 's Escalations Representatives and their managers because I strongly believe that they all conspire to defraud me and to deprive me of valid banking privileges. Thank you for your time and efforts in this matter. 

Best Regards