Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is a reminder that your answer to complaint XXXX is now overdue. Please provide your response on this portal and be professional by adjusting how Wells Fargo communicates with me about our income tax refund where your assertion is that I " do not have authority over any Wells Fargo accounts relevant to the concerns that you shared '' XXXX Wells Fargo recently issued me a letter dated XX/XX/XXXX outside of the CFPB portal as a response to the previous complaint about the XXXX XXXX refund deposit into our joint XXXX Savings account which was identified by a trace that XXXX XXXXk provided. ( see attached ). Wells Fargo wrote. " " we performed a review into your concerns about verifying a wire transfer received to your account at XXXX XXXX. We reviewed this matter and found you do not have the authority over any Wells Fargo accounts relevant to the concerns you shared. " As indicated on the XXXX trace this was a ACH transaction completed by Wells Fargo Bank NA XXXX showing the customer ID XXXX which is my husbands last XXXX of his social security number. The payment issued by XXXX is supposed to be a XXXX personalTax refund for our XXXX joint marital XXXX XXXX XXXX. Wells Fargo asserted that I have no authority to ask questions about the transaction, so my question is then what is the XXXX of the company XXXX XXXXXXXX and why is my husband referred to as a customer of this company? Is this transaction representative of a tax refund or something else? Wells Fargo goes on to state in their letter " we are unable to provide you with documentation about the relationship between Wells Fargo bank and XXXX XXXX XXXXXXXX '' What is the reason Wells Fargo can not provide the relationship since it appears the payment was or supposed to be issued based on a personal tax refund? Will Wells Fargo address my concern that the XXXX XXXX XXXX is not the taxing authority authorized to issue the tax refund on behalf of the XXXX XXXX Department. Is Wells Fargo identifying my husband as a business entity or a franchise doing business with Wells Fargo through a Wells Fargo account? I received the XXXX ( IT XXXX ) certified transcripts from the XXXX XXXX Department which shows the form abbreviating my husband 's name as XXXX instead of XXXX with a DLN number XXXX on the top. ( see attached ) I want an explanation from Wells Fargo Bank about the tax status for which their payment was issued for our personal return which was calculated as a business partnership in the XXXX XXXX 's XXXX Department reducing our refund that we were entitled to receive. I NEVER SIGNED this XXXX form and I am not responsible for any criminality involved by the creation of an illegal business entity undisclosed. Who is XXXX a subsidiary Company under XXXX? Wells Fargo asserts it is none of my business to know anything about the transformation of our joint marital return with my husband. This certified version XXXXXXXX XXXX XXXX form is incorrect and incomplete. My husband and I filed amended returns to the attention of XXXX XXXX for XXXX, XXXX to recapture the additional refund due to us. For anyone else reading this complaint, this is an example of how Wells Fargo reduces a personal income tax refund by creating a business entity to use for commercial tax treatment in the XXXX XXXX XXXX XXXX XXXX The State Comptroller benefits, Wells Fargo XXXX and XXXX benefits, but my husband I receive a reduced refund because the rate of taxation is tripled. How many companies does Wells Fargo create unknown to tax payers to use in the XXXX XXXX of the XXXX XXXX? 

ATTACHMENTS Certified Transcript XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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