Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Complaint : Wells Fargo Private Bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) From : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX To : Office of the Comptroller of the Currency ( OCC ) Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Against Wells Fargo Private Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Summary of Complaint On XX/XX/XXXX, I visited Wells Fargo Private Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a XXXX account for the XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ). 

I was denied service and told : 1. My XXXX XXXX was considered a foreign entity.

2. I was asked to provide social security numbers for myself and my Secretary Trustee which are not required for a properly established trust account. 

This was a fraudulent, discriminatory, and arbitrary denial. I have provided lawful trust documentation in compliance with XXXX XXXXtandards XXXX 



Issues Raised Fraudulent Documentation Request Wells Fargo attempted to require Social Security numbers that do not apply to the XXXX XXXX. 
Discriminatory Treatment My lawful trust documents and fiduciary status were disregarded. 
Inconsistent Banking Practices No written law, regulation, or Wells Fargo policy was provided to justify denial. 



Federal Law Violations 1. Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( a ) Prohibits banks from discrimination based on race, nationality, or lawful exercise of rights.

2. Civil Rights Act of XXXX XXXX XXXX XXXXXXXX Prohibits discrimination in public accommodations, including banks. 
3. Bank Secrecy Act XXXX XXXX XXXX ( XXXX XXXX. XXXX et seq. ) Require lawful identity verification, but do not mandate SSNs for trust entities with proper documentation. 
4. OCC Regulations ( 12 C.F.R. 30, Appendix C ) Require fair and consistent treatment of customers. 

By treating my lawful trust as a foreign entity and demanding irrelevant SSNs, Wells Fargo engaged in fiduciary discrimination and regulatory misconduct. 



Requested Relief 1. A formal OCC/CFPB investigation into Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. A written explanation of the law or policy used to classify my XXXX XXXX as a foreign entity. 
3. Recognition that XXXX XXXX XXXX XXXX XXXX  must be treated fairly and consistently.

4. Disciplinary action against the Wells Fargo officers responsible.

5. Correction of discriminatory, arbitrary account-denial practices.

Conclusion Wells Fargos refusal to open my lawful trust account constitutes fraudulent banking practice, racial/national origin discrimination, and fiduciary disrespect. I request immediate oversight and corrective action. 

Respectfully submitted, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Right Reserved Without Prejudice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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