Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Reference Original Complaint # : XXXX Wells Fargo has NOT resolved this issue nor have they provided any explanation for the defamatory and discriminatory treatment. XXXX XXXX : Wells Fargo Bank , N.A . Branch locations involved : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date of incident : XX/XX/year> Summary of Complaint I am filing this complaint due to Wells Fargo Bank, N.A.s refusal to release {$3000.00} of my fully cleared, verified funds, along with misleading and defamatory implications of fraud, and emotional and financial harm caused by their actions at XXXX XXXX XXXX XXXX branch locations. The banks conduct appears to violate federal protections against unfair, deceptive, and abusive acts and practices ( XXXX ). Description of the Issue On XX/XX/year>, I deposited a check via mobile deposit. Wells Fargo released : {$2500.00} immediately, and {$1200.00} on XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX XXXX app showed an available balance of {$3100.00}, with : No holds, No fraud alerts, No restrictions on the account. Despite this, Wells Fargo refused to allow me to withdraw {$3000.00} at two different branches, even though I provided valid identification and passed Wells Fargos Tap authentication multiple times. Branch # XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX At this branch, the teller acknowledged that the funds were available but stated the system displayed the message : Not recommended to proceed with transaction. The teller offered a cashiers check but the manager refused to release my funds and told me to use the ATMwhich has a {$1000.00} limit, preventing me from accessing the full amount needed. Branch # XXXX XXXX XXXX XXXX XXXX XXXX At the second branch, the manager verified the check had cleared and confirmed the funds were available. However, he refused to release the funds and said : Someone is going to be accountable for that {$3000.00} and its not going to be me. When I asked if he was implying fraud, he shrugged and gestured maybe in front of other customers, which was humiliating and defamatory. He again insisted I use the ATM. I withdrew {$1000.00}, using the same authentication that the tellers claimed was insufficient. Customer Service and Fraud Department Responses I contacted Wells Fargos : Customer Service Fraud Department Claims Department All three confirmed : There were no fraud alerts There were no system holds Tap authentication is valid for teller withdrawals There was no reason my withdrawal should have been denied No department could explain the system message or the refusal to release my funds. The Wells Fargo Executive team refused to provide any explanation after I filed my original complaint with the CFPB. They stated their " risk assessment procedures '' were used correctly, but refused to provide any information about the risk they assessed or standards for assessing risks when clients are in front of them with valid ID and funds available. It has to be discriminatory practices.

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