It all started with my Wife writing me a check from her personal account to our fairly recently established joint bank account at Wells Fargo. I was informed that a hold would be placed on the check.

We are delaying the availability of
the funds you have deposited because
our risk models indicate that the
following check(s) may be returned
unpaid:

Soon after, my debit card stopped working. I wondered why, so I logged on to my account to check the balance. According to my online banking history, my account had plenty of money, and nothing seemed to be awry. I shrugged it off but did not call them.  Last night, my wife and I received one letter each from Wells Fargo that said that due to a “modified check” being deposited, that all of our accounts with the bank would be closed. Continue reading Horrible Customer Service From Wells Fargo →