Consumer complaint received 2025-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XXXX, I lawfully executed a Durable Power of Attorney, in accordance with Florida Statutes, Chapter 709, granting XXXX XXXX XXXX authority to act on my behalf regarding financial, legal, and property matters, including all dealings with Wells Fargo Bank , N.A . 

This Power of Attorney was drafted in compliance with Florida Statute 709.2101 709.2402 and conforms to all legal requirements, including acknowledgment by a notary public and the presence of two witnesses. 

I submitted a certified copy of this Power of Attorney to Wells Fargo Bank , N.A . at XXXX XXXX XXXX XXXX on or about, accompanied by valid identification ( Affidavit of Identification with social security number and a written request for recognition and access as required by law.

Wells Fargo & Wells Fargo Home Mortgage refused to accept or honor the Power of Attorney, despite the document being legally valid, notarized, and fully compliant with both Florida law and federal standards, including those under : Florida Statute 709.2120 which mandates that third parties may not unreasonably refuse to honor a Power of Attorney.

12 U.S. Code 93a and Title 12 of the Code of Federal Regulations, which govern national banks ' obligations to conduct lawful and non-discriminatory banking practices.

Americans with Disabilities Act ( ADA ) where applicable.

U.S. Constitution, Article VI ( Supremacy Clause ) and Fifth and Fourteenth Amendments for due process and property rights violations. 

As a direct result of Wells Fargo 's & Wells Fargo Home Mortgage 's actions and omissions, I have been : Denied lawful access to my own funds and property. 

Subjected to unjust control of my private finances. 

Prevented from executing necessary transactions and managing critical affairs. 

Exposed to economic harm and emotional distress due to obstruction and negligence. 

III. VIOLATIONS & GROUNDS FOR COMPLAINT Wells Fargo Bank , N.A . and Wells Fargo Home Mortgages are in violation of the following : Florida Statute 709.2120 ( 1 ) Unlawful refusal to accept a properly executed POA without reason. 

Florida Consumer Collection Practices Act ( FCCPA ) If control of account has resulted in unauthorized debt collection or financial restriction.

12 U.S. Code 93a Improper banking practices and disregard of federal standards.

Fair Credit Reporting Act / FDCPA, if adverse action has affected my credit or records.

U.S. Constitution ( 5th & 14th Amendments ) Violation of due process and property rights through unauthorized interference.

Florida Constitution, Article I, Section 2 & 9 Equal protection and due process under state law. 

IV. RELIEF SOUGHT I hereby demand that Wells Fargo Bank , N.A . : Immediately recognize and honor the Power of Attorney on file, and provide full access and authority to the appointed agent.

Cease all unlawful control or restriction of my personal accounts and financial resources.

Provide a written explanation for the refusal, as required under Florida Statute 709.2120 ( 5 ).

Compensate for damages, if any, caused by the denial of access, emotional distress, or lost financial opportunity. 

Be placed under investigation for violations of banking and constitutional law, and held liable where appropriate. 

V. DECLARATION & SIGNATURE I declare under penalty of perjury under the laws of the State of Florida and the United States of America that the foregoing is true and correct. 

XXXX XXXX XXXX agent with full Power of Attorney who has designated legal representative and Co-council XXXX XXXX XXXX XXXX Principal of Agent, XXXX XXXX XXXX XXXX to act on behalf of... 
XXXX XXXX All Rights Reserved 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