XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer 
