CONCORD, CALIFORNIA -- Today, June 21, 2008 I had a very bad Saturday at my local Wells Fargo Branch in Concord, CA.
After being a customer since 2000, with checking and saving accounts, and depositing my paychecks every two weeks in there, I was told the following:
YOU CANNOT DEPOSIT YOUR JOINT TAX RETURN GOVERNMENT CHECK NO MATTER THAT BOTH YOU AND YOUR HUSBAND ARE HERE BECAUSE YOU HAVE NOT A JOINT ACCOUNT WITH US.
My husband was ready to present all necessary ID's DL, credit cards ecc.,in order to deposit the check into my personal saving but it was not enough. They simply wanted to deposit this kind of checks into joint account only. The same problem we will have with our stimulus check that is coming these days.
I feel this is a legal issue, because the government is giving us some money, and we have to have an access to them. But actually, if you go to Wells Fargo located at Clayton Road, Concord, CA you are not gonna be able to cash your joint government check unless you have a joint account in there.
What should be, if all the banks are like Wells Fargo? Then all we must open joint accounts, otherwise we have to return the checks to the government... When I called the telephone number listed on my Wells Fargo monthly statement, the representative told me that this is a decision of the local branch manager and NOBODY is above him. When I asked the for the telephone number of Wells Fargo Legal Department I was told there is no such a number...so I was very, very humiliated.
How comes a local branch manager can stay between me and the government checks issued to me and my husband? I don't think this is the right way for Wells Fargo to acquire more customers. If this is a security issue why Wells Fargo simply don't ask the depositor(s) to present same documents they need for opening a joint account in order to cash or deposit the government joint checks?
I need a legal advise about this issue.
Please, share your experience and opinions about the above matter.