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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 went to cash checks and the whole bank is blocked off by cops, fire trucks and ambulance.. Couldn't get anywhere near the bank.. I called an hour or so after and no one is answering.
I would like to say i feel bad for all of the consumers griping about wellsfargo's banking practices, but they have been the only bank not to screw me over and i've been with them since 2006. I had tried chase, boa, wamu, and all of them screwed me over to a certain extent. Everyone i've always talked to at wellsfargo, no matter what hour of the day, was always friendly and caring - never had even one rude employee and i call them at least once every other month.
I have a savings and checking account with them (complete advantage and money market savings) and have yet to have one complaint with any department - everyone from new account setup people, to the people who helped me cancel an account (usually takes less than 30 seconds to do so each time i've done it), to the people who helped me dispute transactions and just look through my account have been nothing but friendly. Before you post, do realize that there are people like me who manage their account and can see through the excuses you've made to make someone else out to be the bad guy when the only person you truly could blame was yourself.
Nothing is hidden - all fees are laid out there for you, black and white, and if you respect the customer service representatives, they'll respect you, too. I plan on being a wellsfargo customer for many years. For all of you problem children, they truly don't want your business and the risk associated with those who can't balance a checkbook to save their life -- or their house. Best of luck to you all, and may your experiences force you to gain some new perspective on being a *responsible* adult.