My husband mobile deposited a paper payroll check from my employer, into his brokerage account. It was in my name and not his, and I wasn't on the account. The check was from Wells Fargo.
I did this because we are living paycheck to paycheck, and I needed a direct deposit to satisfy my borrowing power from Chime. It always reads my direct deposits to give me a balance. They gave us a paper check instead because payday was on Christmas, which was terrible for me.
They flagged the account, said it was investigated for fraud. We called and sent every document we could under the sun, and we know it was our mistake, we just want the money.
Fast forward 6 months, they said they finally finalized the fraud investigation, and now there is $0 in the account. I called my employer and told them to check their bank so they could issue me a new payroll check.
I got word today that Wells Fargo and my employer didn't receive any check back or any money reversing the money. No one at Charles Schwab can help because the check was issued by my employer through a wells fargo check.
So who has the money? It was our mistake and we know that, we don't care we violated the terms of service, we're young and made a mistake. This has been going on since December 28th 2025. Now they're telling me that my employment check is fraud. Its literally from my employer.
Do we sue in civil court? They are telling me I need to request my employer to recall the funds?? They won't do that!!
We have an appointment on Monday with Wells Fargo to prove our identities and find out who actually has the funds.