Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing this complaint regarding a {$3500.00} promotional bonus. I have met all requirements, yet Wells Fargo has denied the bonus based on false data and a fragmented internal process that has imposed a significant " time tax '' on me. The Timeline of Compliance : Account Opening : XXXX XXXX. Funding ( Day XXXX ) : I transferred over {$500000.00} in qualifying assets within the required window. Maintenance ( Day XXXX ) : I maintained these assets through the mid-XXXX XXXX deadline. I made no significant withdrawals during the XXXX window ; significant withdrawals were only initiated after the maintenance period had concluded. Failure of Process and Accountability : Despite XXXX internal complaints, XXXX XXXX responses have been inconsistent and unsubstantiated. Over the last XXXX months, I have received XXXX different justifications for the denial : 1. " Offer Period Expired '' : An initial claim that had no basis, as the account was opened and funded within the promotional window. This was never mentioned again once I escalated. 2. " Balance dropped in XX/XX/XXXX '' : An immaterial claim. My maintenance requirement ended in XXXX ; a drop after that date is irrelevant to the offer terms. 3. " Balance dropped to {$25.00} on last day of offer '' : An objectively false claim. My official monthly statements prove that no such withdrawal occurred. While the bank doesn't show daily balances in its statements, it is impossible that a ~ $ XXXX investment account became {$25.00} and then returned to ~ $ XXXX in a few days. It is deeply concerning that a global financial institution can not correctly perform a task as fundamental as calculating a daily balance. I have dedicated many hours of my personal time to providing documentation and following-up to correct these errors, yet the bank continues to issue denials based on " business team '' findings that contradict their own issued statements. A Systematic Lack of Transparency : In addition, I have been trapped in a cycle of redirected accountability : 1. Data Withholding : The bank denies the bonus based on " continuous maintained balance '' but does not provide the daily balance report or the ledger they are citing, preventing me from verifying their erroneous claims. 2. Circular Support : The investment team claims this is a " banking '' topic, while the banking escalations team tells me to contact the " investment team '' to furnish proof. The esclations team mentions that they can not see any data but can only inform me of " business team 's findings ''. The simplest of follow-up questions results in a new request with takes another XXXX weeks to close. It appears the bank is using unsubstantiated denials and bureaucratic hurdles to avoid paying a bonus I have rightfully earned. At best, this is a lack of accountability ; at worst, it is a deliberate attempt to make the reconciliation process so burdensome that the customer foregoes the bonus. Attached are the following files : 1. Original Offer Terms : Email confirmation of the {$3500.00} bonus terms and offer code. 2. Monthly Statements ( XXXX ) : Official records proving $ XXXX was maintained. XXXX end balance is lower, but this is after the XXXX deadline. A daily report was requested and has not been provided by the bank. These disprove the bank 's claim of a {$25.00} balance. 3. Documentation of Denials : Copies of the XXXX contradictory internal responses from Wells Fargo, illustrating the inconsistent and factually incorrect reasons provided for the bonus denial.

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 monetary relief