Xavier Einaudi did not want to wait for Wells Fargo to send him a check. The bank informed Mr. Einaudi that it was closing all 13 of the checking accounts it provided his roofing company, CRV Construction, for a reason it called “confidential.” The letter said the accounts would be closed on June 27, and he would be mailed a check for the balance in his accounts. Mr. Einaudi went to his branch and collected the money, so he did not have to wait…

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