Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello Wells Fargo I am XXXX XXXX XXXX My account number is XXXX Wells Fargo fraud prevention department and claims department have blocked my deposits coming from the United States Treasury and any other sources before the date my account is set to closed on XX/XX/XXXX making it difficult for me to just simply receive my funds on the first of the month in order to pull out my funds when I receive them on the XXXX of the month or 3 days earlier as I normally do and that makes it difficult for me to pull my funds out and simply switch to another bank.. 
Wells Fargo claims and fraud prevention department has taken the initiatives to shut down or cancel my debit cards without giving any notifications thus creating unexpected inconvenient and uncomfortable situations for me during and after making normal legitimate purchases with my debit card and in some cases creating unpleasant situations which could have costed me my life, costed me to be injured or harmed by another person and has even caused me to be arrested and in trouble with the law in cities like XXXX XXXX sometimes when I was all of a sudden unable to pay a restaurant bill or and even pay a bill tab or check into a hotel properly because and behind the XXXX claims department randomly and selectively and without warning freezing and canceling by Wells Fargo debit ATM card during times the claims department was closed and unreachable and there was nobody to talk to except an average banker who could do nothing about The situation and dilemma I was in. there was nothing I can do about it except for wait over night and or wait over the entire weekend from Friday to Monday if Monday didn't fall on a holiday leaving me broke and unable to access funds to be able to turn my card on and it didn't even matter to them if I verified my information and who I was my phone or by internet or by email in order to turn my card back on. Sometimes these weights took place in the jail cell in XXXX .there were times when the claims department had taken the initiative to actually cancel my card forcing me into a position to make a claim for where no money was being requested on my end but reporting my car lost in order to receive a new card there were times the claims department had closed my card before or on holidays like the XXXX of XX/XX/XXXX XXXX XXXX XXXX and there was no way to fix the problem at all even through verification code there was nothing that the 24-hour bankers over the phone could do to help me resolve the issue once again forcing me in a position to have to file a claims and replace my card as I had no idea and no clue that the claims department was keeping count of every minor or major claim as a strike against my account and my credibility card eligibility and my account eligibility and their actions sometimes caused me to be irate, hopeless, helpless, and even humble, while addressing Wells Fargo bankers over the phone. 

There have been times when they have been malicious in their actions and in their responses over the phone well engaging with them. The first time my debit card was revoked for one year for what they claimed to be behind too many claims which was impractical and inaccurate when they sent me a card in the mail that I had been waiting for over a 2 week period when I finally received it and tried to activate it it would not work so when I called customer service they couldn't explain to me why this card wouldn't work so I was transferred over to the claims department the claims fraud prevention department operator told me XXXX that if I received the card in the mail already then I should go ahead and burn it because I didn't deserve the right to use a debit card and then he hung up the call. also let me add that many times I have had to experience and accept humiliation when all of a sudden my card was froze at grocery stores convenience stores after waiting in long lines for long periods of time and sometimes when I didn't have my phone on my person and this would happen I would have to go through hoops to verify my information over the phone and then be asked to visit a branch in person during times there weren't any nearby Wells Fargo 's and times the bank would not fully authorize or update my phone number after I updated my phone number it wouldn't approve my phone number and their system. There are too many times when I had to contact the bank and complete surveys or answer security questions and verbally say my personal information over the phone loud enough for the operator get here putting my information at risk to figure out why my card was unexpectedly being froze or canceled and I would have to take complicated measures just to prove and verify that it was actually me using using the card or making the transaction. the claims department has taken it upon themselves to do these things in the name of protecting my account and protecting my funds however it has served more as an inconvenient distracting and unpleasant rather than being protected it makes you feel targeted there were incidences where I had misplaced my wallet or did lose my card and it wound up in the hands of somebody who has used it and this has only happened very few times very few times most of the claims that they have on record didn't have anything to do with fraud at all most of the claims on my record were during a period when Wells Fargo used to issue temporary cards at a branch and I was a homeless traveling American XXXX  who did depend on these cards heavily because I had no official address to receive my debit card the official one so in order to get a new temporary card I would have to file for a card replacement and cancel the one sent in the mail but there were no financial claims or cost or true financial burdens on the company of Wells Fargo I have not received fair treatment from Wells Fargo that other clients have received or do receive I fill in my heart I am targeted and judged because they're able to see that my funds come from the federal government social security United States Treasury department to I've tried to be a good customer and report anything suspicious that I saw myself with regarding faulty ATMs in XXXX or faulty businesses who steal information without expecting compensation or responsibility from the bank I've try to be a good customer by reporting faulty internet scams when I saw them that did not get me for much but I felt as a customer who's my duty to help protect my bank and my account and Wells Fargo by making these reports that were true and accurate. I remember one time in XXXX  in XXXX a California border patrol homeland security officer dull or kept my wallet while I personally turned my card off using the app but yet he attempted to use my card at XXXX gas station at XXXXXXXX XXXX I made a police report regarding this matter and nothing was done however my card was replaced yet unlike all other customers I was unable and it was impossible to connect my card to XXXX XXXX  an app which I commonly used which was recommended by Wells Fargo and in order to use this feature I was guided into the direction by Wells Fargo to purchase upgrade my phone yet many times it served no good purpose because of many incidences Wells Fargo made it impossible for me to use the app or connect my debit card to XXXX XXXX  and never truly bothered to explain why but it caused me to have to go on circles and jump through hoops behind them requesting me to visit a bank in person which I did everything by the book and yet had still been unable to connect my debit cards to the app or even when I connected my debit card to the app I was unable to use it. I've been a customer with Wells Fargo since XXXX and I endured and observed cruel and unusual discriminations from this bank but I kept my account open with Wells Fargo in good faith that someday there practices would improve or there will be Justice and Im keeping my faith in XXXX and I keeping my faith that Wells Fargo does have a chance to become a better Bank and treat its customers with equality regardless of their background or their financial status or their class anytime I have used overdraft services and have been overdraft with this bank I have paid the fees and paid on time I have pleaded with XXXX XXXX XXXX head of the claims department in my area I have pleaded with the coins department to at least delay my closure which was denied I have tempted to send kind emails which were reported not to exist. 

On XX/XX/XXXXXXXX  after reviewing my account history I noticed some fraudulent ATM transactions made by me attempting to use three to six ATMs at a XXXX XXXX  in XXXX by the name of citimex or I believe it may have been XXXX. I think ATM I commonly used while visiting XXXX XXXX however in the last month of using these ATMs I was charged after these ATMs did not dispense a single peso. Under the understanding that as a Wells Fargo customer it was my responsibility call an alert Wells Fargo regarding these faulty ATMs however when I spoke with the banker things got a little bit complicated she didn't seem very pleasant to speak with and instead of taking the report or giving me the contacts or connected me to the right department she gave me an ultimatum my intention was to simply report what the specific bank and their ATMs were doing it was not to receive compensation for the transactions by any means however when I spoke with the banker she told me that the only way I could report this is by filing a claim try to go down the list with her by reviewing my transactions on the online application and I pointed out the specific few transactions that I wanted to report however somehow do to her misunderstanding she somehow misunderstood the information that I shared with her and she submitted inaccurate information and an inaccurate claim in my name for 17 of the ATM transactions and submitted it to the claims department and it put a stain on my credibility she submitted an accurate information this left a bad taste in the claims department 's mouth and the claims department shut and canceled my card without formal notice as I was in the middle of purchasing an XXXX XXXX  and they revoked my ability or the privilege to even obtain a card for XXXX year then on the XXXX of XXXX I received a letter in the mail that my account would be closing in XX/XX/XXXX and that deposits to my account would be blocked meaning I would be unable to receive my XXXX from the federal government three days before the first of the month as I normally do I was told over the phone by Bank Representatives that I or could receive my funds in the form of a cashier 's check in the mail and that it would take a while over 2 weeks making it impossible for me to simply withdraw my money and move to another bank because it wouldn't be enough time to inform social security to redirect my XXXX funds. To another account it puts me in a very confusing situation I've called the bank I've contacted the front preventions department and humbly asked for an appeal I have humbly XXXX for an extension and have been denied I have expressed the matter truth of the situation and they have not accepted it they've just closed me off and denied even helping me to resolve the matter every time I go to the bank I'm asked to answer numerous questions as if I'm being interrogated by the bankers and in order to draw any funds they have to go through doing extra work to clear my name in the system in order for me withdraw even XXXX bucks I believe the actions of Wells Fargo are immature and judgemental and discriminative especially for a bank who's viewed as a repeat offender they're sure unforgiving and high on their horse and seem to be stuck up there I do not wish to see them fall I do not wish to bring them down I simply have faith and hope to see them able to know how to step down to the right level thanks oh yes they were awesome times where the bank shut my card off for no reason and cancel my XXXX XXXX  and requested me to visit a branch in person in order for me to get it working again after already verifying who I was over the phone there were times they locked me out of my online account without my consent or notifying me properly as well. 

All I am humbly asking is for Wells Fargo not to freeze my deposits this month XX/XX/XXXX. All I am requesting is for Wells Fargo to allow my last deposit for XXXX first to appear in my account so that I can properly withdraw the money myself from a Wells Fargo branch so that I can be able to deposit it into another bank and I am asking them not to put this on my credit report which has a score of XXXX. 

I know we have a cool president in office a new president in the office he's shrewd in business and everybody wants to be like him but they're not him but they're trying to be him and they're just making it look ugly. Yes I respect XXXX but let 's have some honor and compassion with it thank you. 

Sincerely the bumm XXXX XXXX. 

Oh yes and let me add that yes I get it I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it seems but I just want a lawsuit with XXXX XXXX XXXX  I'm expecting to receive in XX/XX/XXXX I'm doubled with taking out small increments with the 12 % interest rate from thrivist legal funding because I'm training myself how to use it properly and I don't want to withdraw too much too fast and I have some positive ideas for possibly building business with some of it and getting off SSI I've been through XXXX a lot XXXX  XXXX that's why I'm writing this letter because I don't need to take XXXX XXXXXXXX. And I don't want you to be in a position to have to take my XXXX I'm not all there but I have dreams and goals and opportunity to make change I'm not just a born American I'm an American blood and lineage..

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