Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I received an international wire into my XXXX XXXX  checking account in the amount of {$200000.00} ( less wire fees ) on XXXX. This wire was a loan taken out by a business associate and assigned directly to the XXXX account for which I am the trustee to satisfy an outstanding debt and to utilize the balance to open a healing center. 
I attempted to wire out of my account the balance on the outstanding debt of {$93000.00} on XXXX and was told that the wire was not passing verification in branch and could not be executed. XXXX Bank requested verifying documents proving where the funds originated from On XXXX. I provided the requested loan documents as well as the contact info for the private lender and his bank who provided the loan of $ XXXX. This was all sent to the bank branch XXXX XXXX on XXXX. Later that day, my account was suspended pending review and the funds ceased to be available while an internal review was conducted. I was locked out of my account at that time. 

The original wire was sent through an intermediary service called XXXX XXXX in XXXX, a service similar to a XXXX XXXX. 

Over the next XXXX weeks I followed up with XXXX bank multiple times per week, each time being passed to several different departments and told that it was in review and the funds would be released as soon as they completed their verification process. 
On XXXX I was finally connected with a woman named XXXX XXXX XXXX direct line ) whom I was told was handling my case. XXXX would not provide me with her last name and said that XXXX Bank could not provide any time frame for the completion of the review and she suggested XXXX option was to return the wire to sender. On XXXX I gave her the go ahead to initiate the return and on XXXX I was advised that the return wire in the amount of {$190000.00} was completed. At that time, I requested paperwork showing the wire confirmation to provide to the original sender. I was told by XXXX that I could request a printout showing the wire had come out of my account from my branch but that was all that they could give me. I subsequently reached out to XXXX, leaving voicemails on XXXX, XXXX, and XXXX, requesting a detailed wire confirmation as the receiving bank has not been able to confirm receipt of the wire. On XXXX I met with the client rep XXXX XXXX at my local branch to attempt to acquire a wire confirmation. XXXX indicated that the branch did not have access to any confirmation and after a subsequent call with the wire department, she indicated that I would need to speak to the woman XXXX, who was assigned to my account, for any further resolution. 

On XXXX I again attempted to contact and was able to speak with XXXX. She indicated that the wire had been returned and she provided an email to my local branch with the return wire transaction information. Upon receipt, the information was not helpful in tracking down the transaction to the initial sender. I then called and left a message for XXXX requesting a Trace Document of the wire on XXXX. 

Subsequently on XXXX I was internally transferred to the XXXX on this wire, XXXX, by a XXXX ( no one at XXXX Bank will provide last names of anyone working on my case for security purposes they claim ) in the wire transfer department, and was given case # XXXX. XXXX indicated that contrary to what XXXX had told me a week ago, the wire return had been initiated on XXXX, not on XXXX as I was originally told and only after i made XXXX aware that i planned to contact CFPB and file a formal complaint that day. 

The week of XX/XX/year> I spoke with XXXX at XXXX XXXX, who indicated that the wire was sent to Wells Fargo on XXXX. She has tried twice to reach out to their wire department to track the wire down, without response from Wells Fargo. I also came into contact with a man named XXXX XXXX at XXXX XXXX, who is trying to track down the wire which was originally sent through him at XXXX XXXX. He has called the Wells Fargo wire department several times with no response either.

At the time of this filing Wells Fargo has not responded to either entity to retrieve the funds. To my knowledge, the money is being held with Wells Fargo, who is not responding to either my bank or the original sending entity, XXXX XXXX, in order to locate and return the funds. I believe that I am being unfairly debanked during the course of lawful business under Executive Order XXXX, Guaranteeing Fair Banking For All Americans, and they plan to somehow try and keep the {$200000.00} that rightfully belongs to me.

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