Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Consumer Complaints against Wells Fargo What right does the bank have to my late husband 's bank accounts? 
Is their right to the money in writing? 
Is there a fraud in the bank accounts? 
Are there any investigations going on in the bank accounts? 

Wants : XXXX XXXX Statements All Correspondence relating to the insurance product purchased All monies from my husband 's accounts On XX/XX/XXXX, I submitted a letter to XXXX XXXX XXXX, Branch Manager of Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, XXXX, requesting assistance in accessing my late husbands funds to pay the bills for the cleanup of the flooding incidents at home and other outstanding bills. She advised me to obtain the necessary documents to access the money. After she informed me, I was shocked to learn that she retired soon after. 

I applied for a probate and was approved on XX/XX/XXXXXXXX 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  ). I submitted the probate documents to Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and they opened an Estate account Number XXXX. However, I have received no money from my late husbands bank accounts to date. 

Letter from Wells Fargo Home Mortgage Loan Number XXXX was fully paid with escrow refund of {$1000.00} stated on XX/XX/XXXX. The original mortgage was {$140000.00}, which started on XX/XX/XXXX, based on the appraisal value of the home. 

My late husband mortgaged our home for {$180000.00} ( a XXXX XXXX fixed loan with a XXXX  % interest rate ) with XXXX XXXX XXXX The first monthly payment, dated XX/XX/XXXX, amounted to {$890.00}. ( see XXXX  XXXX to XXXX ). He signed the Quit Claim Deed on XX/XX/XXXX, here at home. XXXX XXXX notarized the deeds. I refinanced the home with XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX fixed loan with XXXX  % interest rate. My mortgage was transferred to XXXX XXXX XXXX in XX/XX/XXXX ( a XXXX fixed loan with a XXXX  % rate ) and remains in effect to date. 

These are the monies I'm looking for : Beginning XX/XX/XXXX, I believe that the money he saved at Wells Fargo will be {$180000.00} from the XXXX XXXX mortgage. With his monthly XXXX XXXX XXXX  XXXX pension and SSS XXXX benefits averaging an amount of {$5800.00} monthly, minus our average monthly expenses of {$4500.00} ( XXXX XXXX XXXX mortgage, utilities, groceries, other miscellaneous expenses ). An average monthly savings of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ( XX/XX/XXXX, he passed away ) will total {$22000.00}. 

On XX/XX/XXXX, the mediator, Honorable Judge XXXX XXXX XXXX, asked me and took notes of the Wells Fargo Bank Accounts that I'm looking at and passed them to XXXX XXXX XXXX, who represented Wells Fargo during the mediation of the XXXX services that my late husband purchased such as : XXXX XXXX In bonus with Tracking # XXXX, Mortgage Accidental Death with Tracking # XXXX, and Income Protector Plus with Tracking # XXXX. 
XXXX XXXX XXXX XXXX XXXX Wells Fargo, on XX/XX/XXXX, after our online Mediation with Judge XXXX regarding the XXXX services, informed me by phone that the bank accounts of my late husband, which I'm looking for, will be forwarded to another department. She said that within 10 to 15 days, someone will call me. I called XXXX XXXX XXXX on XX/XX/XXXX, and an email from the Wells Fargo XXXX XXXX XXXX XXXX Banking XXXX XXXX XXXX was sent to me on XX/XX/XXXX, stating my Case Number : XXXX. They will contact me within 10 days, or longer, depending on the length of their research. I was not treated fairly for a long time regarding my late husbands bank accounts, so I decided to file a complaint with the CFPB for assistance. 

Insurance claim for my bodily injury from our car collision ( as a passenger of my husband ), issued a check dated XX/XX/XXXX, from XXXX XXXX through XXXX as the Insurer, amounting to {$15000.00}, which I'm looking for. 
another Insurance claim, dated XX/XX/XXXX, by my late husband, from The XXXX, regarding the XXXX XXXX XXXX XXXX XXXX XXXX, for {$19000.00}. I'm looking for these insurance money claims in his bank accounts with Wells Fargo. 

My husbands words long before he passed away were, Honey, you gave up your career, loved me, and took care of me, so when Im gone, I could leave you with at least {$250000.00} in the bank for your future needs. He is faithful, and I believe his word. 

On XX/XX/XXXX, I mailed a registered letter ( with a certified mail receipt ) to Wells Fargo Bank , N.A . Case Management, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting account information for my late husband. However, I have not received a reply from them to date. 

I visited the Wells Fargo at XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, to withdraw money for my expenses, including the life celebration at the church, and other miscellaneous expenses. I was surprised to see that our joint account has no money. I told them we have a monthly revolving fund, but it's impossible. They issued me a cashiers check of {$1000.00} with account number XXXX. I am requesting bank statements and funds for the following accounts : Bank Account # XXXX, Bank Account # XXXX, and Bank Account # XXXX. 

During a Wells Fargo XXXX XXXX phone call, certain personnel stated that Bank Account # XXXX and Bank Account # XXXX were closed. I request bank statements and funds for these. 

I believe that when I prayed and fasted from XX/XX/XXXX, to XX/XX/XXXX, as I sought the XXXX XXXX and XXXX XXXX about my late husbands promised money in the bank that I could access it to pay the bills, give money to his XXXX daughters, fix the home, and leave some for my future needs. 

I am looking forward to a resolution on these banking issues. 
Thank you.

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