Your complaint is absolutely 100% valid. We are a high end client of Wells Fargo- they call it a CEO level. 
QB has held up over $145,000 in payments because they say Wells Fargo refused a $2 fee on a transaction!! Once that $2 was denied , they hold ALL other money transfers until it is resolved.  They notify you a few days later. You get on phone for 2 hours with both Wells Fargo and QB to resolve once and for all. 
Wells Fargo sends the required letter and everything APPEARS fine. Then it starts all over again!!  I’m on my fourth issue. Now it $68,000.
I am considering a class action as I strongly believe there is a profit motive involved because no system could be this bad by accident.