Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WESBANCO BANK, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding a pending account closure scheduled by WesBanco. The institution has communicated that my business banking relationship will be closed within approximately 30 days. This closure decision was represented as being based entirely on a specific internal allegation regarding conduct attributed to me. I dispute the accuracy of this allegation and do not accept it as fact. To my knowledge, the allegation is not supported by objective account activity, transactional records, or independently verifiable documentation. During the relevant period, I maintain residences in multiple locations and was residing abroad for an extended period consistent with that arrangement. I returned to Maryland on XX/XX/XXXX. During this period, I was not in a position to directly manage or immediately respond to banking communications or operational issues in real time. This is part of an established multi-residence living arrangement that necessarily limits immediate responsiveness to banking inquiries and does not reflect disengagement from the account relationship. Separately, during this same period, I experienced significant and unresolved issues with account access and transaction processing. These issues materially disrupted normal business banking operations, including my ability to reliably monitor, access, and manage funds and transactions in support of ongoing business obligations. This occured between approximately XX/XX/XXXX until XX/XX/XXXX, when I returned. I was out of the country before the service interruption. The alleged statement forming the basis of the closure is disputed in its entirety. The communication in question occurred with my spouse present in the vehicle, and the call was conducted on speaker for its duration. I do not believe the allegation reflects an accurate or reliable characterization of what occurred, and I am not aware of any objective documentation supporting the interpretation that has been attributed to me. Based on the information available to me, I understand the institutions decision to initiate closure to be based solely on this disputed allegation rather than on documented account behavior, transactional history, or objective financial risk indicators. There has been no clear presentation of account-based evidence demonstrating that normal banking activity or risk-based criteria support this adverse action. This pending closure and the underlying circumstances are causing and will continue to cause significant and potentially irreparable harm to my business operations, financial continuity, and professional reputation, given the reliance of ongoing business activities on uninterrupted access to banking services and the downstream impact of adverse banking determinations on third-party relationships. This complaint requests supervisory review limited to whether the pending closure is supported by verified and documented account activity, whether appropriate evidentiary standards were applied prior to initiating closure of an active business account, whether account access and transaction handling during the relevant period were properly managed and documented, and whether any internal determinations relied upon are substantiated by objective facts tied to account behavior rather than unverified assertions. Additionally, review is requested to determine whether the adverse action process reflects fair, consistent, and properly documented banking practices consistent with applicable regulatory expectations for business account relationships. The requested outcome is a written explanation of the factual and documented basis for the closure decision, identification of the specific account activity relied upon for the adverse action, a full review of account access and transaction handling during the relevant period, correction of any unsupported internal determinations if identified, and confirmation that any closure action is grounded in verified facts and consistent with fair banking standards.

Company response to consumer: Closed with explanation