Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Here 's the full complaint with that added : My name is XXXX XXXX. I live in XXXX, South Carolina, where I bank at Wells Fargo and have for many years. I have been a Wells Fargo customer for XXXX years, since opening my very XXXX bank account as a child at a branch in XXXX XXXX, California. I currently hold XXXX Wells Fargo accounts. On XX/XX/year>, I deposited a {$50000.00} bank check drawn on a XXXX Bank account into my Wells Fargo account. The check was issued by a family foundation to fund a nonprofit charity event under my organization, XXXX XXXX XXXX. At the time of deposit, Wells Fargo provided me a written receipt stating that {$6200.00} would be available by XX/XX/year>. Based on that written commitment, I used personal funds to cover a charity obligation in advance of the XX/XX/XXXX availability date. Wells Fargo subsequently changed the availability date without notice or explanation. As of XX/XX/year>, not XXXX dollar of the {$50000.00} has been made available to me including the {$6200.00} Wells Fargo committed to in writing on XX/XX/XXXX. I relied on Wells Fargo 's written promise to my direct financial detriment. That promise was broken without any communication from the bank whatsoever. I have documentation confirming the funds left XXXX XXXX on XX/XX/year>. This is a verified bank check not a personal check, not a check from an unknown party. Wells Fargo is holding it for XXXX days with a new stated release date of XX/XX/year>, a date they set unilaterally and without explanation after already committing to a XX/XX/XXXX partial release in writing. I have visited XXXX local branches in XXXX, SC seeking resolution. Branch staff have been unable to intervene. When escalated, I was told the matter is handled by a back-office team that does not take calls from branch staff, does not take calls from customers, and that an internal escalation process could take up to XXXX additional days. Wells Fargo 's customer service at every level branch, phone, and escalation has been completely unable to provide relief or a meaningful timeline. The system appears deliberately structured to prevent customers from reaching anyone with authority to act. The funds in question belong to a nonprofit organization and are needed immediately to fulfill charitable commitments made in reliance on Wells Fargo 's written availability promise. Because Wells Fargo has broken that promise and continues to hold these funds without justification, I currently have XXXX available funds in any of my XXXX Wells Fargo accounts. I can not cover basic living expenses. I can not buy groceries. I can not put gas in my car. I have been left financially paralyzed by Wells Fargo 's failure to honor its own written commitment, and no one at this bank has been willing or able to help me. Through every scandal, federal fine, and XXXX XXXX Wells Fargo has faced over the past decade, I remained a loyal customer. XXXX years of loyalty. This situation a broken written promise, XXXX accountability, and a customer service structure that makes resolution impossible has exhausted that loyalty completely. The XXXX Wells Fargo employee who has made any genuine effort to help me is Destiny XXXX at the XXXX XXXX branch in XXXX, SC. She personally called XXXX XXXX to verify that funds had cleared and followed up on my behalf multiple times. She has been unable to get resolution because the back-office team responsible for this hold does not accept calls or escalations from branch staff. She deserves recognition. She is the only person at Wells Fargo who has functioned as a true customer advocate throughout this entire ordeal. Wells Fargo issued a written promise of partial fund availability on XX/XX/year>. I relied on that promise. The bank reversed it without notice, without explanation, and without providing any meaningful path to resolution. I am requesting the immediate release of my held funds and a formal response from Wells Fargo addressing how this situation occurred and how they intend to make it right. Sincerely, 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 monetary relief