Consumer complaint received 2020-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Pursuant to my CFPB complaint number # XXXX and case # XXXX I am attaching more documentation as evidence of legal misconduct on the part of Wells Fargo Bank by denying material facts concerning my horrible experiences with Wells Fargo Bank as an individual account holder. 

On Tuesday XX/XX/XXXX in response to an online add that I saw in my email by Wells Fargo Bank that offered a {$400.00} reward for following specific guidelines that would be given to consumers upon completion of these guidelines ... The guidelines I understood from their advertisement were as follows : 1. You can not already have an account with Wells Fargo within the past calendar year ... I met that requirement as the last time I had banked with Wells Fargo prior to XXXX was in the year XXXX or XXXX sorry I forget the exact year ... But I met that one year requirement as I had not banked with Wells Fargo in over two years.

2. That direct deposits must meet a minimum dollar amount and when I reviewed my monthly direct deposits they met this  minimum dollar amount. 

3. That once these direct deposits were set up for a period of time and as long as I did not go under XXXX balance in my bank account then I would receive {$400.00} as a thank you reward.. 

4. I understood that in order to receive my {$400.00} reward that this was a process that would take at least three months of direct deposits ...

When I tried to apply online I was decline and I attach a letter stating that I was decline online ... I then went the same day to the local Wells Fargo Branch in my area and with the help of a very  patient and kind and helpful staff member who took the time to get on the phone with her employer and saw to it that my online account was opened in the proper manner so as to afford me this {$400.00} reward. She did a great job and told me that had I opened an account any other way at the local branch that I would be eligible to receive the {$400.00} ... Her name is XXXX XXXX XXXX and I mention her name because she has always been consistently polite and very helpful ... I have always found the front desk staff at most banks to be pleasant courteous and polite and helpful ... With the help of this bright young lady I successfully opened up my new online account with Wells Fargo Bank and proceeded the process of transferring my direct deposits to Wells Fargo Bank. What unfolded next was a nightmare. My bank balance fell below one dollar not less than XXXX but below one dollar ... I was told by Wells Fargo that I would not qualify for the {$400.00} reward because they can arbitrarily decide who gets this reward and since my bank account balance fell below one dollar that I would no longer receive my {$400.00} reward ... This upset me greatly and I did lodge a complaint with Wells Fargo Bank who to their credit did at least apologize for this and I was sent a {$400.00} reward check in the mail as I had decided to close out my account with Wells Fargo Bank ... Then on XX/XX/XXXX I received a letter from Wells Fargo admitting that the U.S Postal Service returned the enclosed letter to them on XX/XX/XXXX. That upon receipt they updated my address ... What is so concerning here is this : That letter was sent to XXXX with a copy of my signature for all to see ... I am documenting everything here in this complaint ... I can establish that on the day my application was received that on the back of that application is my XXXX Address that I provided on Tuesday XX/XX/XXXX ... This shows that Wells Fargo not only had my XXXX Address as part of the required address history when opening a new bank account..Wells Fargo had my current address as well at the time ... The correspondence I got from Wells Fargo indicates that Wells Fargo is misrepresenting themselves on Material Facts related to my case ... This is evidenced by a letter I received from Wells Fargo dated XX/XX/XXXX whereby Wells Fargo states and I quote " Please be advised, our records do not reflect an international address in your customer portfolio or any recent address changes. '' I am attaching documentation to establish that Wells Fargo has misrepresented themselves on material facts in my case ... That they had my address details the whole time ... Also when I asked XXXX XXXX XXXX about the letter with a summary of my details that went to XXXX with her name on it ... XXXX was very apologetic which I appreciate and stated she had no idea that letter was sent to XXXX with her name on it ... I told her I appreciate her apology but that I was incensed by this as it is outrageous such mistakes were being made with my data and my bank account details ... I told XXXX that she has been trained to respond a certain way such as " I am sorry you feel that way '' Or " I had no idea that letter was sent '' ... I told XXXX that I understand this is not her doing or her fault that i was not going to raise my voice or yell at her ... That I have a right to be very upset by this and also that she has the right to be informed this was done as it is an abuse of a bank employee to send correspondence to bank account holders with the name of a bank employee attached to it without any knowledge on the part of the bank employee ... That put XXXX who is very good a hard worker a decent human being in a terribly awkward position ... I let XXXX know I understood her position in this mess ... A mess created by sloppy underhanded work on the part of upper level management of Wells Fargo Bank ... On XX/XX/XXXX a letter was sent to my address in XXXX by Wells Fargo Bank XXXX Wells Fargo Bank has systemically and categorically denied this act ... I have everything well documented here that shows that Wells Fargo Bank is a fraud a joke and that Wells Fargo Bank is not only underhanded but Wells Fargo Bank does not give a XXXX about their own employees as well as their own bank account holders ... Let Bank account holders beware of nasty banks like Wells Fargo Bank and other Banks like them ... I am telling my story and publishing my story that others never ever have to experience the hellcat ordeals I have had to go through with banks like this one ... Attached is a letter dated XX/XX/XXXX with my {$400.00} reward ... The ordeal I had to go through to get this reward was XXXX unreal absolutely horrid ... Below is a list of all fourteen attachments documenting everything that took place here..I apologize for any typographical errors you may find ...

14 attachments RL final bank response Reilly Draft 2 - ORR Review ( 2 ) .pdf ( 56.6 KB ) Remove XXXX ( 1.9 MB ) Remove XXXX ( 1.8 MB ) Remove XXXX ( 2 MB  ) Remove XXXX ( 1.9 MB ) Remove XXXX ( 1.9 MB ) Remove XXXX ( 1.9 MB ) Remove XXXX ( 1.9 MB ) Remove XXXX ( 1.8 MB ) Remove XXXX ( 3.1 MB ) Remove XXXX ( XXXX MB ) Remove XXXX  ( 2.9 MB ) Remove XXXX ( 3.2 MB ) Remove XXXX ( 2 MB ) Remove Respectfully Submitted by Ms. XXXX XXXX  XXXX former bank account holder with Wells Fargo Bank ...

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