Wells Fargo wanted my fingerprint to cash a $20 check written to me by my kid on his Well Fargo account. I warned him about WF but kids are so much smarter than their dumb parents.
A different Wells Fargo admitted it doesn’t check signatures but wouldn’t let our 4-H club submit a new signature card after the president died. She was a prominent citizen so they knew for a fact she’d died and had gone to her funeral. But, noooo. They insisted she be dug up and brought in to sign for the change even though her name was never on anything with the account because she’d failed to update the signature cards years before. Then WF demanded I give them all my private info and sign over my mortgage to them. EXCUSE ME?!?! My house doesn’t have a mortgage but that’s none of their business, either. After an hour of their @(&%(#, I wrote a check for the total of the account (yeah, my signature on the check written in front of them) and told them I was headed to another bank with it and they could do what they wanted with the $0 balance account.
NEVER EVER use Wells Fargo.
I have not doubt they jerked you around. But I guarantee you that there is something in that transaction that was missed in translation. A guess is that she opened the account in her name. Perhaps with a different title, but with her name. It would take a court document to change that.
The person to blame is the rep that originally opened the account.
You would be shocked at how often that happens. Reps don’t open the account the proper way and the customers are not clear about what it is for. But I bet they sold her a debit card and a sweep account!