Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I deposited check # XXXX issued by XXXX XXXX XXXX in the amount of {$5600.00} into my Wells Fargo business account ending in XXXX. The check cleared normally and the funds were credited to my account. XX/XX/XXXX I received a different check from the same company, check # XXXX, in the amount of {$5000.00}. XX/XX/XXXX By mistake, instead of depositing the new check ( # XXXX ), I accidentally deposited the old check ( # XXXX ) again using mobile deposit into my XXXX XXXX XXXX business account ending in XXXX. XX/XX/XXXX XXXX XXXX XXXX identified that the check had already been deposited previously. They returned the duplicate deposit and debited my account for {$5600.00} plus a {$10.00} returned deposited item fee. I accepted this correction because the duplicate deposit was my mistake. At this point, the duplicate deposit had already been corrected. XX/XX/XXXX However, Wells Fargo debited my Wells Fargo business account ending in XXXX for {$5600.00} with the description : XXXX XXXX Check Posted Twice REF # XXXX. XX/XX/XXXX I contacted Wells Fargo customer service ( XXXX ) and spoke with XXXX. I explained the situation and was instructed to visit a branch. XX/XX/XXXX I visited the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, XXXX XXXX and spoke with the branch XXXX, XXXX. She reviewed my documentation including the XXXX XXXX XXXX chargeback notice but was unable to resolve the issue and advised me to call Wells Fargo again and open a claim. XX/XX/XXXX I called Wells Fargo again and spoke with XXXX, who opened Claim # XXXX. XX/XX/XXXX I called multiple times requesting updates but was told to wait for the investigation. XX/XX/XXXX I spoke with XXXX, who stated that the funds had been transferred to an account ending in XXXX. I contacted XXXX XXXX XXXX and they confirmed that they do not have an account with that number. I was instructed to call another Wells Fargo number ( XXXX ), where I spoke with XXXX, who opened another claim : Claim # XXXX. XX/XX/XXXX I mailed a complaint letter to the XXXX Attorney General XXXX XXXX XXXX for informational record. XX/XX/XXXX I also mailed a certified letter to Wells Fargo requesting a formal evidence trace of the funds and documentation regarding the duplicate presentment debit. XX/XX/XXXX I received a letter from Wells Fargo stating that the case was closed. However, the letter did not explain where the {$5600.00} went or which bank or account received the funds. Instead, Wells Fargo only quoted their XXXX XXXX XXXX and stated that checks should be destroyed after 5 days. XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX XXXX with a Wells Fargo XXXX notice referencing XXXX, which states that Wells Fargo is holding an overage of {$5600.00} related to this item. I spoke with XXXX XXXX, who opened a case and told me to wait for their review. XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX called me and stated that XXXX XXXX XXXX had completed everything required and had closed their case. She stated that I must return to Wells Fargo for resolution. When I asked for a reference number or documentation, she declined to provide one. The duplicate deposit had already been corrected by XXXX XXXX XXXX on XX/XX/XXXX. Despite this, Wells Fargo debited {$5600.00} from my account. In addition, a Wells Fargo internal adjustment document referencing XXXX states that Wells Fargo is holding an overage of {$5600.00} related to this item, suggesting that the funds still exist within their adjustment process. However, Wells Fargo has not explained the transaction path of these funds or identified which bank or account ultimately received them.

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