Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
There have been overwhelming issues and concerns with the management of and access to my Wells Fargo accounts and related information since I opened these accounts in XXXX, inconsistent with banking practices absent explanation. After opening my accounts at Wells Fargo, I contacted the Social Security Administration ( SSA ) to switch over my direct deposit. When the deposit wasnt received, I contacted the SSA, and they informed me they had no record of my phone call providing them with my new banking information and address. When opening my accounts, I designated my sons as beneficiaries ( payable on death ) only to learn years later, that someone else accessed and changed this information without my knowledge, consent, permission, or court order of any kind. Wells Fargo staff didnt know what happened. On multiple occasions, I observed issues with the banking app deleting my saved biometric log in data, requiring me to reset my credentials. Countless times, the app would not log in as if it couldnt connect to my phone network or it would spin for a length of time delaying my log in. Since opening my accounts, I placed endless phone calls to Wells Fargo customer service notifying them of concerns with accessing and managing my accounts. I notified them that I had experienced severe long term stalking, harassment, fraud, theft, mail theft, etc., that this had affected my consumer credit status as well. Wells Fargo didnt respond or provide me with any information. Last Fall XXXX, I was notified that I had unclaimed property from both the State of VT and State of NH Treasury offices for nominal sums. I observed harassment from the State of VT when obtaining my check, when they reported their office was closed due to a propane leak and I couldnt pick up my check. When I was able to pick up my check the following day, I deposited the check via mobile deposit to Wells Fargo, and it was rejected as invalid. I contacted the State of VT, who insisted the check was fine. When I stopped at the State of NH Treasury office in XXXX, NH, with my claim paperwork, the clerk was suspicious of me. She wanted to know how I obtained the information about my unclaimed property, where I got the claim form, how it was completed, and refused my identification as invalid. I had all of my vital records on my person, reported aggravated stalking, harassment, theft, and she refused to release my property. Several times I observed duplicative charges and provisional credits on my checking account absent explanation. When I tried to get the information about what happened, it was declined. When I obtained a replacement debit card for this reason, I requested the debit card be mailed to the Wells Fargo branch for significant ongoing security reasons. They declined and had it mailed to the hotel I was staying at briefly where I had endured stalking and harassment. They declined to restrict the delivery to only my signature. I received the card as scheduled. There were several issues with the documentation of my address despite repeated efforts to notify my bank and ensure they had the correct information. They changed my physical address on my account to a hotel in XXXX, SC. I confirmed with them several times my updated mailing address and requested that no communication be sent to any other address due to egregious conduct and concerns that I wasnt able to access or address despite exhaustive effort. Wells Fargo refused to change the physical address unless I had proof of another legal address. I notified them several times of the situation and had requested reasonable necessary accommodation for an alternate physical legal address per their requirements. They had no suggestions and told me to contact a branch. I stopped at a Wells Fargo branch and they had me wait to speak with the bank manager who never got off the telephone. While waiting in the lobby, I called Wells Fargo customer service and the woman gave me the run around on the phone about policy and procedure, how my XXXX XXXX couldnt be used as a physical address, kept telling me she didnt understand what I was asking for, acted like she was trying to help me when it was the opposite, intentionally escalating the conversation on purpose, said they couldnt DELETE the hotel address and proceeded to get caught up in the differentiation between the words update and change/delete. I could have said remove or replace, none of which mattered and seemed to be tactical means of avoiding the issue of address clarification/safety/security/etc. Upon leaving the branch, adding insult to injury another staff person seemingly came out of nowhere asking if I was ok and needed help. The manager never came out of his office and remained there in his office with the door closed the entire time. This was an ongoing pattern of behavior and treatment towards me by Wells Fargo, soliciting information repeatedly despite reports, transferring me to multiple persons or departments over and over, attempting to confuse me and/or deny legitimacy of reports, refusing information and resolution at each interface, and proceeding to act like there was something wrong with me. I attempted to communicate with the bank through my online account messaging but there was no option to do so. When I requested to know why I couldnt send an email through my account, they told me to send website feedback or call them. Wells Fargo sent me a couple of secure email messages, but when I attempted to access these emails, it sent me several different access codes which either didnt work, or I had to enter the information several times on my phone. The letter they provided me from their enterprise department, contained little to no information whatsoever. Last XXXX XXXX, a relative sent me a small amount of money via domestic wire to secure a place to live. This included 1 months rent and the security deposit. When I tried picking up the funds, I was refused a release of the funds absent explanation. They refused my relative an explanation, told her to send the wire a second time and again refused to release the funds or an explanation. Last Fall, I received a code on my phone that I didnt recognize while staying at a hotel. When I attempted to retrieve the code and find out what it was for, it wasnt accessible. Ive been locked out of my SSA account for years absent explanation. When I attempted to update my contact information, it either wouldnt save or my account would be overridden. It notified me of a 2 factor authentication sent to someone elses phone whom I did not know, have access to, nor did I have a relationship with the person. When I was finally provided with the name of the person associated with the phone number locking me out of my account, it was reported and ignored. I spoke with the SSA on multiple occasions about this situation. I completed a checking deposit at the Wells Fargo drive through, and the teller asked me if I was making a mortgage payment. I asked what she was talking about and her response was, oh my mistake. Around that same time, I was reviewing and addressing my consumer credit status. XXXX XXXX reported a HELOC loan that I was never notified of and when I attempted to get more information, it was declined. While trying to make reports and/or access assistance and/or protection services, I was refused. Several agencies with expertise in complex stalking and related matters transcending multiple states, jurisdictions, and platforms, would tell me good luck, that must be hard/frustrating, we dont have any resources, and use other placating tactics. This has affected my IRS tax returns as well when I was locked out and provided no information concerning my account. When I filed reports with the IRS, they declined ever receiving them. I contacted them multiple times and was declined information. They would transfer me from one department to another or disconnect the call. This conduct is not the result of an XXXX XXXX, altered mental status, or cognitive decline. These activities are consistent with extreme organized violence towards me, including deliberate, structured, staged, strategic egregious legal, civil, and human rights violations.

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