Beginning January 20, 2026, I demanded that Wells Fargo close my business checking account. I called repeatedly. I went to two different branches in person. I gave clear, explicit instructions: Close the account immediately.
Wells Fargo refused.
Instead of honoring my direct instructions, the bank has kept the account open and continues charging monthly maintenance fees for not maintaining the minimum balance.
Let’s be clear:
I am being charged fees on an account I have repeatedly ordered closed.
There is no fraud hold.
There is no court order.
There is no legal justification.
There is no written explanation.
Only delay, obstruction, and continued fee generation.
This is either:
1. Gross operational incompetence at a federally regulated bank, or
2. A deliberate refusal to process closures in order to continue collecting fees.
Neither explanation is acceptable.
It should not require regulatory intervention to close a bank account. Yet that is where this is headed.
I have escalated this to federal regulators, including the Office of the Comptroller of the Currency. Every call, every visit, and every fee is documented.
Executive leadership:
You do not get to hold accounts hostage to generate service charges.
Close the account retroactive to January 20, 2026.
Reverse every improperly assessed fee.
Provide written confirmation.
Confirm no adverse reporting.
If this is happening to me, it is happening to others.
Consumers deserve to understand exactly how difficult Wells Fargo makes it to leave.
Unacceptable.
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Wells Fargo & Company is an American multinational financial services company headquartered in San Francisco, California, with central offices throughout the United States.
