Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a dispute with Wells Fargo. In fact I believe this is malpractice, can't just be happening to me, and causing a lot of stress. I have banks with WF for 6 years, and its my main active account. It's not new, the account is not having an unusual activity. I deposited a check for {$2100.00}. I receive an email saying its on hold. Reason - information indicates the check may not be paid Money available on XX/XX/XXXX {$270.00} XX/XX/XXXX {$1800.00} Check deposited XXXX XXXX via mobile depositing. Check held for 1 days to pass security concerns. Passes. So I call them to ask why its being held, first I'm told its the other bank, XXXX XXXX XXXXXXXX XXXX problem not their problem. I then contact the person to who paid me the check and they immediately contacted XXXX XXXX XXXX and was told there's no problem, everything is fine and they released the funds as soon as the API / AI automation confirmed the transfer. So why its says it wont be paid is weird. So I call Wells Fargo back a second time and explain this. I'm then told that its passed security checks but there's a 'process ' happening. I want to know what process is happening as the funds have left one account now I have to wait until XX/XX/XXXX to see the funds. XX/XX/XXXX? So it was their doing all along and I was lied to during my first call. I asked to be explained a process that could take 12 days to complete in a world that transactions are immediate. If the check is all cleared, and being withheld without my consent, thats criminal. I would also like to reverse this, in that if I for no reason held information and money from Wells Fargo they would escalate this right away into recovery and/or civil action. So after the phone call, I made an appointment at my branch this morning. XXXX, with XXXX XXXX in XXXX XXXX XXXX I attended and the agent, XXXX, was very nice an sympathetic - could not find why it was being held and asked his manager if they could resolve it. His manager also told him they have no power. XXXX escalated a complaint somewhere on his computer and I got a case number So where is my money and why can't anyone tell me why? Wells Fargo work for me, I trust them to manage my money, and if I demand something be done, I want it taken care of. I contacted the social media to say all this, and after 24 hours and several messages they gave me a specialist number to call to resolve this. But withheld that information first of all even when I explained the urgency as I have bills to pay. I'm seeing charges in my account and being charged late fees, in this account and another with another bank. I haven't been able to make a loan payment and that will not only suffer my credit score by my standing with that institution. I'm also told it will be held up to 6 days more than the initial email stated. This is disgusting, and absolute robbery. I'm having a hard time keeping above water and my bank are part of the problem. Its not a lot of money in this day and age, my account is paid from many different sources all the time, with deposits of {$8000.00} or {$10000.00} not unusual because I work away for up to 3 months at a time, as a subcontractor for new clients. So nothing urgent is being done. I don't want this to happen to others, in this day and age, everything is instant. And everything here is in place, there is no problem, so why am I sinking. Waiting.

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