Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : Bank : Wells Fargo Bank , N.A . Branch : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Date of Incident : XX/XX/XXXX Time : Approximately XXXXXXXX XXXX Complaint Narrative : I have been a Wells Fargo customer for approximately 12 years. On XX/XX/XXXX, at approximately XXXXXXXX XXXX I visited the Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, to deposit a {$250000.00} cashier 's check issued by XXXX XXXX XXXX XXXX into my existing Wells Fargo account. The cashier 's check was obtained directly from XXXX XXXX XXXX XXXX from funds that had already been deposited and verified. I was not attempting to cash the check. I was simply attempting to deposit the check into my Wells Fargo account. During the transaction, I was questioned by Wells Fargo employee XXXX XXXX regarding matters that I believe were unrelated to the deposit itself, including : Whether I had ever deposited a check of this size before. The nature of my legal settlement. The law firm involved in my settlement. Personal details that I did not believe were relevant to depositing a cashier 's check. I found these questions invasive and inappropriate. I was then told the bank could not verify the cashier 's check. I was asked to leave a {$250000.00} cashier 's check with the bank and return the following day. Because I was uncomfortable with the circumstances and lacked confidence in the information being provided, I declined. What concerns me most is not that Wells Fargo may have fraud prevention procedures. My concern is how I was treated throughout the interaction. I felt I was presumed to be engaged in suspicious activity despite being a long-time customer attempting to deposit a legitimate cashier 's check into my own account. I arrived at the bank in my work uniform and work vehicle and was conducting lawful banking business. Rather than being treated as a valued customer, I felt as though I was being treated as a suspect. Following the incident, multiple attempts were made to contact the branch for clarification. Those calls were not promptly returned. When contact was eventually made, no apology or meaningful explanation was provided. As an XXXX customer, I can not ignore the fact that the nature of the questioning and the manner in which I was treated caused me to believe that XXXX bias may have contributed to the interaction. Resolution Requested I am requesting : A written explanation of why my cashier 's check was not accepted for deposit. A detailed explanation of the verification procedures that were allegedly being performed. Confirmation of whether XXXX XXXX XXXX XXXX was actually contacted. Preservation of all surveillance footage, teller notes, account notes, internal communications, and records associated with this transaction. A review of the conduct of the employees involved. A written response from Wells Fargo addressing my concerns.

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