Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, XXXX ( Wells Fargo File XXXX XXXX ) I am filing a complaint regarding the suspension of my XXXX privileges by Wells Fargo Bank based on an unsubstantiated and false fraud claim by a former tenant. A former renter/tenant voluntarily sent me funds via XXXX as payment of past due rent in lieu of an immediate eviction for past due rent. The transaction was completed successfully, and no dispute existed at the time. Approximately XXXX months later, after her eviction for non payment of past due rent, the former tenant filed a claim with XXXX alleging fraud. Based on the former tenant 's false claim, Wells Fargo immediately suspended my XXXX access without conducting a meaningful investigation into the circumstances of the transaction. The claim is demonstrably false and appears to be retaliatory by the former tenant I contacted Wells Fargo and disputed the claim, and requested that a reinstatement of my XXXX privileges. I was advised that in order for it to reverse the decision and reinstate my XXXX privileges, I must follow their dispute protocol, which included submitting specific documentation to prove that I was legally entitled to receive the disputed funds, or a letter from the former tenant stating that the transaction was not fraudulent. I submitted the following documentation :. A copy of the official court eviction dispossessory and affidavit showing the tenant acknowledged past-due rent, and showing that the funds were due to be paid to me. A letter from the former tenant recanting her fraud claims. Once I submitted the information, I received an email from Wells Fargo indicating that it was going to stand by its decision, and now implied that it was due to negative information that it received from a credit reporting agency ( XXXX XXXX XXXX. I contacted XXXX XXXX and requested a copy of my credit history that it furnished to Wells Fargo. There is absolutely no negative or financial malfeasance information in my report, whatsoever! I immediately reached out to Wells Fargo and was advised again by its representative that they were standing by their decision regardless! Despite my full compliance, Wells Fargo has failed to resolve this matter and has instead provided inconsistent and contradictory explanations regarding the basis for the restriction, including : Attributing the decision solely to XXXX Claiming a violation of internal policy without identifying the policy Citing unspecified information from XXXX XXXX XXXX At this point, Wells Fargo has : Failed to conduct a fair and reasonable investigation Continued to impose a restriction despite clear exculpatory evidence Refused to provide a specific, consistent, or evidence-based explanation for its actions This conduct is unacceptable and has interfered with my ability to receive legitimate payments, resulting in ongoing financial harm. I am seeking fair treatment and a resolution based on facts, rather than an unverified allegation by a former evicted tenant. Sincerely, 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