Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a small business account ( self employed ) with Wells Fargo and use Mobile Deposit since I'm a XXXX and due to my work schedule. On XX/XX/22, I made a mobile deposit of {$490.00} with a check from my client XXXX XXXX XXXX and XXXX XXXX drawn on their line of credit with XXXX XXXX XXXX. The routing # of the XXXX XXXX is XXXX and the account on the check is XXXX. Then on XX/XX/22, we were notified the above referenced {$490.00} was returned for the reason of Account XXXX. After contacting my client, I was informed that their banker at the XXXX XXXX XXXX advised them that Wells Fargo coded the incorrect account number XXXX when sending the nightly file that night. Wells Fargo transposed the last XXXX numbers. My wife having been a banker for 30 years called Wells Fargo about the coding error/returned check. They could not help since the staff in the Customer Service area have not access to the processing reports for these transactions nor can they call their XXXX XXXX department for assistance with this error. 
Since I constantly get draws for my work from this client, Wells Fargo has coded my account with a message of " Unusual Account Activity '' especially when I deposit checks from this client 's XXXX XXXX line of credit. 
Now on XX/XX/22, I made a mobile deposit of {$7100.00} from the same above referenced account XXXX at XXXX XXXX XXXX and received notification of a hold saying it would be released on XX/XX/22. When I check my account on XX/XX/22, I noticed Wells Fargo made a Mobile Deposit Adjustment of {$7100.00} on XX/XX/22 which is the same day I made my deposit. I received nothing in writing ( email ) about this adjustment. When I called their customer service this morning, at first the girl said it was returned ( impossible on the same day ). XXXX reason for the return was given but she changed the reason to " Uncollected Funds ''. I thought banks were to notify you in writing ( email ) of returns?? Also, if they called this XXXX XXXX, I had explained to them earlier, XXXX of XXXX at theses smaller credit unions or banks are pulled up with an entirely different account number then what is listed on the bottom of the checks. Evidently, there was a communication issue with the staff at Wells Fargo and the XXXX XXXX XXXX. My client showed me his available balance in his XXXX of XXXX and the funds were good. 
This all started due to Wells Fargo making an error in the beginning and now I'm suffering and my client 's feel like the burden is on them when it should be Wells Fargo. 
I truly believe Wells Fargo did not follow federal deposit regulations in how they handled the last deposit of {$7100.00} and the reversal of the deposit on my account. They owe me an explanation and I believe Wells Fargo should face some kind of monetary fine issued by and paid to their federal regulator for this blatant error. 
XXXX XXXX XXXX cell 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