Consumer complaint received 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Formal Complaint Against Wells Fargo Bank , N.A . I respectfully submit this formal complaint requesting an investigation into the conduct of Wells Fargo Bank, N.A., its employees, and management concerning my treatment as a longstanding business banking customer. I believe the actions described below interfered with my ability to conduct legitimate business, obtain banking services, and pursue business and nonprofit financing opportunities. I maintain and have maintained business banking relationships with Wells Fargo on behalf of the following entities : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following summarizes the events giving rise to this complaint. Wells Fargo Bank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Incident On or about XX/XX/year>, while conducting routine business at the Wells Fargo branch located on XXXX XXXX in XXXX XXXX, I experienced treatment that was inappropriate, discriminatory and humiliating, causing me ongoing pain, suffering, emotional distress and mental anguish. During my visit, the Branch Manager XXXX XXXX XXXX publicly instructed me to leave the banking center in the presence of customers and employees, for allegedly raising my voice over a money order fee. The incident interrupted my business activities, caused embarrassment, and negatively affected my professional reputation. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX the XXXX XXXX XXXX XXXX I visited the Wells Fargo branch located on XXXX XXXX XXXX XXXX conducting legitimate banking business. Upon arriving, I waited approximately 30 minutes in the customer waiting area. During that time, I observed a XXXX personal banker, who wrote down his name as XXXX, who assisted a XXXX customer immediately, who arrived after I had already been waiting. After continuing to wait without assistance, I approached XXXX XXXX, a Business Banker ( LO ) and Assistant Vice President at the branch. She informed me that she was participating in a virtual meeting and could not assist me immediately. I remained at the branch until she became available. Once we met, I explained my concerns regarding my treatment at the XXXX XXXX branch. I requested a simple banking verification letter identifying my nonprofit organization, its address, and confirming that the organization maintained both checking and savings accounts with Wells Fargo. Hesitantly, XXXX prepared the requested letter. After I left the branch, XXXX telephoned me and asked whether I could email her a copy of the letter she had prepared for me during my visit. I complied with her request and emailed it to her. Because Wells Fargo had generated the letter, I found the request unusual. I later wondered whether the request was related to internal communications concerning my banking relationship, and I request that Wells Fargo preserve and produce any records that would clarify the purpose of that request. As noted, I found this request unusual. Based upon the sequence of events, I believe communications may have occurred between the XXXX XXXX branch and the XXXX XXXX branch regarding my banking relationship. I request that Wells Fargo preserve and produce any internal communications, account notes, emails, memoranda, telephone logs, or other records relating to those communications. III. Business Credit Throughout my relationship with Wells Fargo, I sought to expand my businesses through responsible use of business credit. When I opened the XXXX XXXX XXXX XXXX, XXXX business account, Wells Fargo informed me that I had been approved for a {$15000.00} business credit line. I had not specifically requested the credit card. The banker informed me that I had been approved and asked whether I wanted the credit card associated with the approved credit line. I accepted. I was happy, and I was excited with the {$15000.00} credit line, to begin my home-building and finance business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a proptech and fintech that designs, builds, own and finance single family homes under 1,000 square feet, with launching our XXXX XXXX XXXX, a Modern XXXX square featuring featuring 3 small bedrooms and 2 bathrooms. My small non-profit charity wasn't allowed to apply for a loan, grant or credit to build homes as well, with plans for California, Georgia and Mississippi beginning followed about around the country. Thereafter, I sought to establish business credit for my additional businesses, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding of Wells Fargo 's business credit policies was that existing approved business credit could be reallocated among business credit accounts. Accordingly, I requested that approximately {$2000.00} of my existing approved credit be allocated between these businesses. Rather than processing this request, Wells Fargo denied my applications. Wells Fargo Bank, N.A., wanted Tax Returns. Out of my XXXX XXXX of life, and over 30 years with W.F., I have never been required to provide " Tax Returns. '' Are, other races required to do the same? At the XXXX XXXX branch, XXXX XXXX XXXX, a Business Relationship Banker / Lender XXXX, advised me that internal information reflected an approval for approximately {$14000.00}, yet informed me he could not provide me a copy of documentation because it was internal Wells Fargo information. XXXX was the one who did all credit applications on the computer and only asked me to sign. Subsequently, Wells Fargo denied my business credit applications and requested copies of my federal tax returns from the Internal Revenue Service. I believed this request was inconsistent with Wells Fargo 's published application materials and my existing banking relationship. I communicated these concerns directly to Wells Fargo through written correspondence and discussions with Wells Fargo personnel. IV. Effect Upon My Business Activities As a result of these events, my ability to conduct normal banking business was substantially impaired. Among other things, the actions described above interfered with my efforts to : obtain routine banking services ; secure business financing ; expand legitimate business operations ; maintain productive banking relationships ; and pursue economic development opportunities through my businesses and nonprofit organization. V. Request for Investigation I respectfully request that government officials conduct a comprehensive investigation into these matters. Specifically, I request that Wells Fargo preserve and review/provide to your investigators Surveillance video from the XXXX Hills and XXXX XXXX XXXX XXXX Internal emails. Customer account notes. Employee memoranda. Telephone logs. Internal communications regarding my banking relationship. Credit underwriting records. Business credit application files. Internal approvals and denials. All documents relating to my business banking relationships. VI. Requested Relief I respectfully request that Wells Fargo : 1. Conduct a formal investigation into the incidents described herein. 2. Preserve all documents and electronically stored information relating to these matters. 3. Provide a written response concerning the findings of its investigation. 4. Determine whether Wells Fargo personnel complied with applicable company policies. 5. Take appropriate corrective action as warranted. 6. Determine whether Wells Fargo discriminated ( being a XXXX XXXX XXXX XXXX XXXX XXXX ) and/or complied with all federal laws, statues, policies and procedures regarding Banks federal regulations, rules, policies and procedures, credit decisions, etc. 7. Provide we with some sort of financial compensation for the harm, damages, emotional toll, pain, suffering and anguish this ordeal has forever caused. Please consider this correspondence a formal complaint and a request that Wells Fargo preserve all evidence relevant to these matters as litigation will commence soon. Thank you for your prompt attention. Respectfully submitted!

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