I am a 69-year-old disabled woman who has had a Wells Fargo online bank account for more than ten years. I have an online account because I am disabled. I still work and I still deposit money in my account. What I do not have is a cellphone. At one time, Wells Fargo sent verification codes to my email address. They are no longer willing to do that. I have had to use my husband's cell phone number but he is not always available to receive texts. When confronted with the fact that this was discriminatory, Wells simply said that it was too bad and that I could get a cellphone or be refused service. Today I was refused service and no longer have access to my account. I tried to send a wire transfer and received a verification code saying that it was fine. It was not until I called to ask why it had not been sent that the trouble began. It was being held because they believed it was fraudulently ordered? I could not verify my identity via text so that meant that I was trying to fraudulently gain access to my account. All you have to do is go to the bank, verify your identity and that will take care of it. I AM DISABLED. Well, we are sorry but that is your only option. If I could go to the local branch, I would hardly have spent three hours on the phone today trying to straighten out my online account. I did make a mistake telling them that the cellphone number was my husband's: That made them really suspicious. After several hours of talking to everyone up to an Escalation Manager (who hung up on me when asked what my options were as a disabled person), a note was entered in my file such that I should be denied access to MY account because everyone had a cellphone and, anyone who didn't was definitely suspect. You had to use your husband's cell? That is definitely fraudulent. I now have no access to my account because I can't prove who I am by receiving a text but it is all right that Wells Fargo can't explain what is going to happen to my money. Not one person I spoke to today offered to help me or work with me: The stock answer was that they knew it was discriminatory but that they were not going to do anything about it. No cellphone, no access.