Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Complaint Draft to the CFPB ( English ) Subject : Complaint Regarding Non-Payment and Misrepresentation of Wells Fargo Business Checking Bonus { {$400.00} } ) To : Consumer Financial Protection Bureau ( { CFPB } ) Complaint Against : Wells Fargo Bank Involved Branch Location : \ { XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX } Promotion : {$400.00} Business Checking Bonus Detailed Narrative of the Dispute : I am filing this formal complaint regarding Wells Fargo Bank 's repeated failure to honor its promised business account bonuses and its concerning conduct during the claims process. 
Eligibility and Compliance : Account Opening : I opened an eligible new business checking account at the mentioned XXXX XXXX XXXX XXXX } branch before the XX/XX/year> deadline. 
Fulfillment of Requirements : I fully complied with all stated requirements for the \text { \ {$400.00} } bonus promotion : Deposit : I deposited {$2500.00} } or more in XXXX ( within { XXXX } days of opening ). 
Balance : I maintained the required { {$2500.00} } minimum daily balance through XXXX ( maintaining it past the required 60 days ). 
I have met all conditions for the XXXX bonus. 
Bank 's Misconduct and Delay : Unjustified Delay : The bank has delayed paying the bonus for four to five months. They recently informed me I must wait an additional three months, which contradicts the expected payment schedule and their original commitment. 
Misrepresentation/Possible Falsification : During my recent inquiry at the branch, a representative provided me with a document ( or form ) falsely stating that the promotion only began on XX/XX/XXXX. This directly contradicts the official promotion material which required opening the account " by XX/XX/XXXX ''. This action appears to be an attempt to retroactively disqualify me, raising concerns about forgery and misrepresentation of documents. 
Breach of Trust ( {$400.00} } Payment ) : Furthermore, the branch manager had specifically guaranteed that an earlier promised {$400.00} } payment would be received by me before \text { XX/XX/XXXX }. This payment has also been unreasonably delayed. The bank is demonstrating a profound lack of integrity and financial reliability. 
XXXX I did come again to see the bonus, they still not give me, and gave me a fake paper for me said I opened too early, it was started from XX/XX/XXXX, and I did remember manager remind me to keep for XXXX months then they must will give me bonus XXXX, but still not receive XXXX yet, put the duty to their superior or underwriter. 
Request for Relief : I request that the { CFPB } investigate XXXX XXXX handling of this matter and compel the bank to : Immediately pay the outstanding { \ {$400.00} } Business Checking Bonus. 
Provide an explanation for the document provided at the { XXXX XXXX XXXX XXXX } branch that incorrectly stated the promotion start date. 
And also they let my money save there for so long postpone giving me bonus, I lost a lot of opportunity to use different way, they might need to give me so interest. 
Thank you for your assistance in holding this financial institution accountable. 
Sincerely, XXXX XXXX XXXX Email 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 monetary relief