Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a email XX/XX/XXXX stating that I had a negative balance of XXXX in my acct and I received a letter XX/XX/XXXX showing the negative balance of XXXX and also notifying that my acct will be closing XX/XX/XXXX and if I have any questions to call. The number provided in the letter. So the next day XX/XX/XXXX I proceeded with calling Wells Fargo to find the reason why and their initial reason was because of a XXXX I received in XX/XX/XXXX for XXXX dollars they wanted more information about the transaction and I asked what was the issue about it and all they said was they want me to contact the sender to confirm that they sent me the payment after almost 2 months the sender made a complaint saying that he never sent the money and basically said it was a unathorized transaction and so they had to refund the money back to the sender and adding a negative balance of XXXX i asked if the sender had complained and first they said no that they wanted to make sure that this was a good transaction and then said I should call the sender and ask them about the payment to establish a connection between us and I told them why do I have to do that it's been almost 2 months they couldn't provide more info so I called again the next day they transferred me to fraud department and I was told the same that I should reach out to the sender to establish a connection and now they say that the sender is making a complaint 2 months later and and he's now seeing the XXXX dollar charge the complaint was later removed after the transaction they were talking about was made XX/XX/XXXX and was after the initial after wells Fargo contacts the sender to ask them if this was a authorized payment and he confirmed he sent the payment and they kept giving me the run around and had me online for hours because they still would not remove the balance so then I was told to call the next day. I call again trying to figure out why my acct was being closed after verifying the payment so through our the week I kept calling trying to get answers as to why my bank acct was closing and they then proceeded to say for a money transfer that I made of XXXX XX/XX/XXXX which I indeed did do but it was never deposited to my acct and I told them you guys actually owe me those XXXX because they never deposited and they insisted that I owed it until I proceeded to inform them that I have photos and messages to prove that they never deposited it to my acct but they do see the money transfer shows on their system but don't know what happens to the funds and that I should contact the bank I sent it from so then after I told them I have proof to support. That the payment was not deposited they then send me to some other department and proceed to end the call I tried to call again and again and kept getting the runaround and they did not know why my acct was closing and then they said it was not closing anymore only to find out they lied and then I made a in person appt to provide them with the photos and proof to support that they received my XXXX but never added it to my acct and never sent it back to my bank when I go to my appointment the person I speak with has no knowledge of what am talking about and proceeds to act as if she does not understand what am saying and can't see no information regarding my dispute and I inform her this is about the XXXX negative balance and she then informs me that I have no negative balance anymore and she could not see why or what XXXX it says I was negative this nothing in the notes or my acct about it I was like wow so then I never got the issue solved they still kept my XXXX dollars and still closed my acct and since then have not been able to open an acct

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