Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX XXXX XXXX XXXX XXXX was brought into the bank wells fargo branch on XXXX s.XXXX  XXXX. accopanied by XXXX XXXX whose complete intention of gaining sccess to XXXX money which came in the form of a check for XXXX which XXXX. XXXX had in his possession clearly at this time complete with his own signature on the back of the check that in no way was asked to perform that action.by any banker. XXXX signed the check in order to confirm his intentions of becoming a third party access to the funds that were solely intended for XXXX XXXX whom the check was written solely to pay to the order of mr. XXXX. On XX/XX/XXXX this intention was granted by the bank upon the request to submit the check for deposit into a joint account with XXXX. XXXX  becoming the primary account holder thereby transferring full ownership and control from XXXX. XXXX to mr.fall a third paty over the funds that were in no way intended for mr.fall. subsequently to further prove this intention af defrauding the bank and XXXX. XXXX on XX/XX/XXXX th XXXX. XXXX  transferred XXXX doallars from this account into his own personal bisness accout and went into the wells fargo bank a different branch with XXXX on XXXX XXXX and removed his status as the primary account holder on the same day from the account making XXXX XXXX XXXX  the sinle account holder there by making this joint account now just a regular checking account i guess.there are many more questionable actions involved in the theft of XXXX account that prove the predetermined plan of XXXX intentions to aquire the money that was XXXX XXXX sole award money that was clearly intended for his own personal use.This incident was reported to the bank to the banker whom opened the joint account for XXXX. XXXX  and alowed XXXX to be some type of secondary account holder to the money that was clearly intended for his sole purpose.Even tho XXXX XXXX enterd the bank with this persons personal check signed by XXXX XXXX in his possession, he should not have been granted any type of legal access to this money which was not his check XXXX seems that there is a flaw in the broad guidelines that refer to the application process of the banks rule and regulations regarding third parties access or joint accounts that in our mind need to be re-evaluated and revised for any third parties who intend to get access to another persons money before the owner of the check..It is our hop and prayer as we implore the bank to do the right thing which is return the full smount of the money to XXXX different account or jusyt issue another check for the full amount and continue to re-evaluate and make revisions to the adding of third parties whith out a more in depth and comprehensive verification into the reason some one is directly trying to get access to another persons money or in the joint account application it should be required that the third party contribute their own funds simultaneously makigf them have their own vested interest in their new joint account.It is profound to have witnessed how easily a third party gained access and aquired a clear path legally was given permission to not only rob XXXX XXXX but remove XXXX out the bank so quickly without any question as to why or how this a brand new account not even a question the banks job at protecting XXXX money faild miserably in fact the bank allowed the funds to be removed without any sheild to keep it within it its own confines not even assessing an early withdrawal fee.

Company response to consumer: Closed with explanation