Opened an account. Deposited like 2100.00 between savings and checking. Everything fine. Two days later could not withdrawl money. Was told that "Patroit Act Department" could not verify the social on the account. Brought in original card and passport and was told that was not good enough. Was told that I needed a letter from social security stating that my number was indeed as reported. Called Social Security (PAY ATTENTION) was told by them that banks no better than to ask for that. It is NOT legally required once you present your card. THere are supposed to be alternative methods to verify the identity of the account holder. I have a friend at Citi and when this issue happens (it does a lot) they ask for the card to be presented and another piece of federally issued ID (Passport, Military ID, US Goverment Employee ID, FAA etc) Citi records the data so to comply with the BSA anbd Patriot Act. Furthermore if an account is opened with a cash deposit (PAY ATTENTION) the bank MUST by LAW issue you an immediate withdrawl they cannot hold funds from you. If they return items they cannot legally do that by choice and charge you a fee! Of course they can, or will. Everyhting is legal until you get caught so goes the banks' mantra.
So I cannot access any of my funds deposited in cash. LP deparmtent ahs threatened to ban me from any Wells Fargo branch if I hire an attorny or file in US DIstrict COurt. Guess what I am filing tomorrow, pro-se, and asking for emergency relief to allow me access to my funds immedaitely.
BTW if Wells denies you your money, and they alledge you are committing fraud. They will asssert legally that it is against the law. If they quote you ANYTHING LEGAL you can file under 42 USC 1983 which states no one can deprive you of constitutionaly protected rights (in this case depriving you of property without due process but using legalities to do so) you can sue. I am will update regularly and then spread the word.
Wells Fargo is a customer-hostile operation and this branch fits their mold. It took the rep over an hour to open a new checking account and it originally charged over $30/month in fees. When I deposited a big check, they refused to release the funds for 10 days even though it was drawn on the Northern Trust Bank and came from a major investment firm. It seemed very unethical -- why do they get to use my money for 10 days before they release it to me? It clears overnight as an ACH deposit. It's called "kiting a check" and it's supposed to be illegal. Virtually every employee I have dealt with at this branch for different simple services, such as safe deposit box access or depositing a large amount of change, has had a "can't do" attitude and has been sort of rude and dismissive. Go to another bank where they don't withhold your money for a week and a half and treat you with more professionalism than you will ever find at Wells Fargo.
This is the place to be for your banking needs, My experience was wonderful on my first visit. The bank Manager and the employees are very Professional and Friendly, I am very happy to be a customer of this bank.