Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Subject : Financial Harm and Unfair Practices Failure to Resolve Urgent System Error Involving {$100000.00} Hold I am filing this urgent complaint against Wells Fargo due to severe financial distress, predatory fee warnings, systemic and deceptive stalling tactics by bank staff, and gross mishandling of my funds that is actively costing me money every single day. 1. The System Error & Responsible Consumer Action : Recently, a system bug/error in Wells Fargo 's platform permitted a transfer of nearly {$99000.00} from my checking account directly into my Wells Fargo credit card account. With additional refunds, the total credit balance currently sits at approximately {$100000.00}. My credit card has a total limit of only {$4000.00}. As a responsible consumer dealing with such a large sum of money, I meticulously double-checked the transaction XXXX times before pressing submit to ensure it was going to the correct internal account. The banks platform suffered a critical system glitch that overrode my input and routed the funds to the credit card. On XX/XX/year>, the Branch Manager explicitly admitted to me that the banks system should have never allowed a transaction of this magnitude to go through to a credit card. 2. Predatory Fees for an Internal Transfer : Adding insult to injury, Wells Fargo 's system warns me that reversing this money back to my checking account will incur an outrageous predatory fee of XXXX XXXX XXXX XXXX XXXX of the total amount. It is absolutely unacceptable that Wells Fargo is attempting to charge me thousands of dollars in fees just to access my own money, especially when the transfer is completely internal and the error was entirely caused by the bank 's system. Furthermore, there is absolutely no operational reason why an internal transfer between my own accounts should take up to 10 business days to clear, other than to hold my capital hostage. 3. Systemic Deception and Stalling Tactics : I have experienced a clear, deliberate pattern of deception from multiple bank representatives. Almost every single customer service representative I have been transferred to has lied to me, using the exact same stalling script : " The money is pending, let 's wait until it clears and then we can do something, come back tomorrow. '' Even the Branch Manager utilized this exact tactic today, telling me once again to " come back tomorrow. '' This is a calculated strategy to frustrate and exhaust consumers into giving up. Furthermore, on XX/XX/year>, a manager from the Credit Card/Operations department explicitly promised me on the phone that she would initiate the refund request and immediately submit an expedited order to bypass the standard 10-day holding period. Relying on this promise, I anticipated a swift resolution. However, during my visit to the branch today, it became clear that no such escalation was made. When the Branch Manager contacted the credit department, the representative treated the situation as a routine inquiry, completely disregarding the prior commitment. I have audio-recorded evidence of nearly all of these conversations, including the credit manager 's explicit promise to expedite the funds. I directly played this recording for the Branch Manager today, who was visibly stunned and had no answer for his own bank 's deceptive behavior. 4. Severe Financial Harm and Inequity : Wells Fargo previously held an insurance check deposit for nearly XXXX weeks, citing " security holds '' under Regulation CC. Now, due to this internal system error, Wells Fargo is holding {$100000.00} of my capital. Because Wells Fargo is wrongfully freezing my capital, I am missing payment deadlines on my other external credit cards, incurring massive late fees and exorbitant interest charges daily. It is deeply unfair and predatory that Wells Fargo demands immediate, high-interest penalties from consumers for late payments, yet feels entitled to hold {$100000.00} of my money for weeks without consequence due to their own technical failures and broken promises.

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