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.
I have to use Wells Fargo for business banking. They have terrible customer service for business clients. You are made to call in a change order ahead of time. I was told to do this when I requested $150 in $1 bills at the same time I was making a daily deposit. The teller then went on to say that she would do it this time since she was not that busy. When they do not come up with the same amount of money on your deposit as you do, they just enter their own amount. When finding out later and calling them, I asked: If there is a deposit discrepancy, why wouldn't you say something at the time? I was told: We do, if we aren't busy. I was the only car in the drive-thru lanes.
I am really extremely frustrated from that claims department, I am trying to be polite. they told me that I should call my merchant, call them back and they will reverse me the overdraft fees they charged me (while I have already an overdraft protection!! ). When I called back, they directed me to the customer service (as reversal is not there job!!!!!) and they would be able to reverse me half amount after a lot of negotiation. They caused me a very big loss, I really regret dealing with this bank