Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went into the bank on Saturday with With the {$100.00} note specimen that is a design of XXXX paper money that is issued freely for the public to use by the Federal reserve and treasury department., it and distinctly states on it that it is in fact legal tender. And has the endorsements of even the secret service. So I went to Wells Fargo to make a deposit of the government issued legal XXXX paper money because it is government policy in the United States, that all US currency, regardless of their design or when they were issued remains legal tender. Reproductions also remain legal tender as long as theyve met the guidelines for the size. The design that is provided on the currency education program by the XXXX federal reserve do in fact, meet all of the size requirements for reproductions and it meets all the requirements to be considered. What is called XXXX money or paper money because it is in fact issued from the government. So Wells Fargo denied me To deposit my notes because they said that they were nothing but paper and and that wasnt good enough. apparently, paper XXXX money isnt any good at Wells Fargo for some reason government issued monies from the federal reserve that clearly are endorsed and meet the requirements all the sudden that Wells Fargo they wont allow them and they refuse to accept them. from my understanding that commercial banks have to accept federal reserve Notes by law and that XXXX money paper money is the national currency in this country and from my understanding its government issued it doesnt, Im not required have to be the one that backs it and because it is not my obligation it is an obligation of the government I believe in and is legal money because its been declared legal money by the government and as far as I know, Wells Fargo isnt the monetary authority . They arent the government and they dont have a to say, and whats legal tender and what isnt legal tender, and if theyre a commercial bank, theyre under an obligation to accept legal tender, federal reserve notes theyre legally obligated to accept currency which they failed to do so two times. paper money in this country is back by the full faith and credit of the United States government. Not by Wells Fargo. All theyre supposed to do is accept it arent they if their customer is accepting of XXXX they are suppose to just bank that proof. I brought in the proof of belief and they refused to back it iits up to me to decide whether I believe in XXXX  and government it or not, they dont get to make that decision for me.. it its up to me as US citizen decide whether I want to believe in my government and except the paper money is true and real. I dont believe that they have a right to decide that and make that decision for me and throw a fit at the counter when someone come in that believes in XXXX and trying to bank on that believe like they are suppose. XXXX money is obligations of the federal reserve & if I want to believe itn it that is up to tje bank is only just supposed to put it in the bank because there is no reason why they should have the power to come in between the relationship that I have with my government thats not their job. its not their job to decide whether i believe and trust in the money and if I dont believe. nobody else has that right to do that for someone else so they would not accept the federal reserve notes because why because they decided that they didnt believe in them, but thats not my problem as the customer and they dont have a right as the bank as the to decide for me whether to bank my belief or not they cant just turn down federal federal reserve notes based on the fact that they didnt believe them because theee just paper.that apparently money is good enough. and make it I need to make it very clear I followed all the guidelines I only printed off the I only printed off exactly the paper money that was made available by the federal reserve on the currency education program so I followed all the rules and the note that I the notes that I am are available for the public to print off at their discretion. They distinctly stay on them that they are legal tender, regardless of when they get issued or they get issued or they get issued or what paper they are issued because last time I checked in this country prostitution is illegal and were not even allowed to work ourselves for money anyways so me as a XXXX woman and a college student. paper money is essential I dont have any other other form of money for Wells Fargo and it seem pretty clear to me that they were looking for some other form of money which that would be illegal and it as far as them being a relationship bankers theyre supposed to be be. The relationship that is bieng banked on is the relationship is between me and my federal government and XXXX  not between me and Wells Fargo my bank account there that the relationship is not supposed to be about being between me and Wells Fargo. The relationship is supposed to be banked on is my trust and my belief in my government and XXXX  who issues the money so Wells Fargo was very clear that they wanted something other kind of money other than government issued money from me and Im sorry, but I dont have that to offer them and as far as I know thats illegal for them to expect that, because the relationship that is supposed to be being banked is the relationship that I have personally with my federal government and XXXX  because money is an instrument of faith so because I didnt have any other form of currency that was suitable to them, they wouldnt accept the paper currency that was issued to me by the government and thats illegal. And I have a big problem with that because for one it goes against prostitution against my religion and against the law and they should not be expecting anything other than paper money from their customers because like I said the relationship that is supposed to be being Bank there thats between me and my government not between me and Wells Fargo. It distinctly states in the rules of the those products that are offered by the by the federal reserve on the currency education program that commercial businesses are not allowed to do exactly what they did to me today. They have no business my my relationship between me and my government and my XXXX actually should be have no business to them at all. Its a service that theyre supposed to be providing not a business anyways they are supposed to facilitate theyre supposed to provide a service to help facilitate Relationship between me and my government and XXXX they are not supposed to be making their own business out of it money is an instrument of faith what it proves is someones belief in the government, and when they believe, then theyre given an instrument of faith as a reward just because the fact that they believe like they are supposed to, because it says in the XXXX, the XXXX, if we just only believe that XXXX shall provide OK and Wells Fargo is getting in the middle of that and that my friends is not fair because they clearly need more than a currency education, the kind of type that arent fit they themselves arent fit to be at the counter because they clearly dont have established their own personal relationship with XXXX and government but that doesnt mean that they have a right to come in between mine they have a right to believe whatever they want, but they dont have a right to dictate what I do and dont believe and I have a right from my belief in my relationship with my federal government and XXXX to be banked whether they want to or not because thats the that is there that is the service that theyre supposed to be providing the contract that they have with the federal reserve they are supposed to be providing that service thats what theyre supposed to be doing. If that isnt something they want to do then they need to get out of 10. They need to be shut down, and they shouldnt be allowed to go around staying open and saying that theyre providing that theyre gon na provide a service and when it was down to it they flat out dont I think they missed out on exactly who and what they are and what theyre supposed to be doing and they have their priorities completely out of whack. Its about consumer protection. Theyre not supposed to make a business out of me and Im certainly not there to make a business out of myself because that sounds like exactly what they were trying to do and they were expecting. Dont understand that my government works for me, but I have representatives that work for me and that I dont work and my money that money is an obligation of my federal government, and actually, I believe truly are obligated to accept it because it isnt about Wells Fargo its actually about the Consumer customer and theyre making it about themselves. The last thing theyre supposed to be doing when you provide a service it isnt about you.

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