Wells Fargo Bank Ripoff Froze Our Bank Accounts Over a Counterfeit Check but Did Not Tell Us Goodyear Arizona

We have filed a lawsuit against Wells Fargo in a local court for never giving us an accounting of how they figured our final balances when they closed our bank accounts then also how they figured what we owed them to keep them from reporting us to ChexSystems. To this day, we have never received any further info and now that our accounts are closed, they won't even talk to us. Then we filed the lawsuit and they are suddenly talking to us.

They now want to resolve the situation. We are preparing all the documentation, UCC codes, FDCPA rules, and other statutes that apply in this problem. They just don't get it that the customer can fight back! We again have asked for a complete accounting of how they calculated what we owed vs. our balances. We still haven't received that and its been another month. We have also pointed out how they should have had the check reviewed within 24 hours which we had waited before taking out cash on it but they don't know what happened to that.

Then we asked about what happened to a $3500 deposit to our account that Chase Bank did right after this and they see the money coming into their system but cannot figure out what happened to it.

Then after reviewing what information I have on our accounts for the business, we are missing accounting of 3 deposits we did within a month or so before this problem happened and they have never accounted for those deposits. That is about $600 in deposits we are missing and again, we still can't get an accounting on our closed accounts.

In this age of Check 21, which was supposed to make all this information more available more quickly, they cannot seem to figure anything out, they cannot find funds, and they won't do a complete accounting of these things when asked. They want faster deposits of money but don't want to take out money as fast nor check out a questionable check more quickly.

An example of that problem is bankersonline.com. If they are getting daily reports of counterfeit checks being done from various banks on certain accounts, why isn't their system being updated daily to put a hold on any questionable check for a specific account so that if I had come in with this check, it should have been picked up right then and put on hold. Wells Fargo doesn't want to be responsible for this, in my opinion, and are not using the capabilities of Check 21 regulations to their advantage. And once I had shown them how I was the one that had been ripped off, they still treated me like the criminal.

One guy wrote me about how reporting this problem to Wells Fargo also made a disciplinary action be done to the team and manager at the branch. Why is that my problem? And if their system had been getting updated every day, it would have seen that the check was questionable and put it on hold so it couldn't be cashed. I put the blame entirely on Wells Fargo since they have the tools and expertise in this area, not me.

We'll see what happens.

When a customer deposits a counterfeit check, the customer has no rights with future service. They loose all privalages in which they cannot deposit checks into their accounts. Team members and managers at wfb get written up when customers undertake risky transactions. DONT USE THE INTERNET TO SELL GOODS OR SERVICES. There are fake money orders, travelers checks, cashiers checks, and cash. Beware of every transaction.