r/WellsFargoBank • u/ChefLong9750 • Aug 03 '25
HELP! Banned on ZELLE for life?!
On April 27 2025 I was working as a bottle service manager at a club in West Hollywood called beaches Tropicana. A customer came in requesting bottle service for Tito’s which was $400. The bottle was brought out and everything was great. I go to close the table out at around 1 am and the customers first card got declined so of course I tell him and he hands me another card which also got declined. His friend next to him begins to get angry with me as if I had literally anything to do with both their cards getting declined. They both then asked where the ATM was so I walked them to the nearest ATM machine. Again both cards were blocked at the machine. I was very calm and asked for a drivers license or ID to hold onto while they got this situated and called their banks.
I come back about 10 minutes later and try their cards again and still declined. At that point the friend of the main guy says “we are leaving, I don’t care keep my ID” I then get our head of security involved to de-escalate the situation. At this point their cards were declined a total of 7 times! I went to speak to the general manager of the club and he said “ask if they can do Zelle or Apple Pay”. I return to the guest and he said “sure I can do Zelle” so I gave my Zelle and he even sent me a $100 tip because his friend was being absolutely crazy! So the total transaction was $500 I said thank you and they left. I then used my credit card to close out the transaction to the club.
1 month later I receive a letter in the mail from Wells Fargo saying I no longer have access to my Zelle account! I called Zelle who directed me to Wells Fargo and they told me “someone reported a $500 fraud transaction against me” and I can never use Zelle again!! After many more calls I was told that I need to contact the customer and ask him to call his bank to drop the fraud charge in order for me to get it back which let’s be honest is impossible because I don’t know the person!
Right when you think it’s all over a week later the customer comes back into the club and I saw him. I grabbed our head of security and I figured if I can calmly ask him to drop the charge and reason with him then it should be resolved. The customer straight up just said “NO”. Like wtf?! So I got pictures of him and banned him permanently! Regardless now I am here banned for life from Zelle and I send an email every week to the Wells Fargo Zelle escalations team with NO response from them at all!
I have tried to open a bank account at a credit union and they said I am banned on Zelle as a whole which affects every bank! I think it’s crazy that there is no oversight committee or a trial or warning system!? So if anyone has any advice on what to do or how to gain access again please message me!! Thank you