Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Wells Fargos handling of my payroll check deposits and the severe financial hardship this situation has caused. I have been a Wells Fargo customer for approximately 16 years. On XX/XX/year>, I deposited two payroll checks issued by my employer, XXXX XXXX XXXX XXXX, into my Wells Fargo account at a branch location. Before going into the branch, I initially started the mobile deposit process through the Wells Fargo app but did not complete or submit the deposit. I decided instead to physically bring the checks into the branch and complete the deposits in person with a teller. At the beginning of the transaction, I clearly informed the teller that I had started but canceled the mobile deposit attempt. The teller acknowledged this and asked me to initial the checks because the words mobile deposit appeared on them. After the transaction, I contacted Wells Fargo customer service and was informed there was a fraud-related concern associated with the checks due to the mobile deposit notation. However, the following day, XX/XX/year>, I visited the Wells Fargo branch on XXXX XXXX XXXX in XXXX XXXX, California, where a banker informed me there was no fraud associated with my checks. Instead, I was then told the issue involved Wells Fargo waiting for funds to be released or verified from XXXX XXXX XXXX, XXXX XXXX. During my branch visit : * I was required to provide two forms of identification, * my identification information was updated, * and I was instructed to request proof from my employer confirming the payroll funds had been issued or funded. I have since contacted my employer and requested supporting documentation. I am extremely concerned because I have received inconsistent explanations from Wells Fargo regarding : * alleged fraud concerns, * possible mobile deposit issues, * and alleged delays involving the issuing bank. Additionally, one of my original deposit receipts stated that the full amount of one payroll check would be available on XXXX XXXX. Despite this, the funds still have not been made available to me. Now funds are saying they will be available XX/XX/year> This delay has caused substantial financial hardship, including : * overdraft status on my account, * inability to purchase gas, * inability to pay rent and bills, * and the need to borrow money to meet basic living expenses. I acted honestly and transparently throughout the transaction process and followed all instructions provided by Wells Fargo employees. I respectfully request : * an immediate investigation into this matter, * clarification regarding the true reason for the hold, * review of whether proper procedures and Regulation CC requirements were followed, * expedited release of my payroll funds if appropriate, * and reimbursement consideration for any fees or damages caused by these delays. 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 explanation