Product: Checking or savings account

I am absolutely outraged and deeply disappointed by the way both Wells Fargo and XXXX have handled my case after I was scammed out of {$540.00}. These companies have completely failed in their duty to protect consumers, and I am demanding immediate action. 

On XX/XX/year>, I was purchasing tickets from a seller who did everything right on their end. We spoke on the phone, they provided a screenshot of the tickets, and the plan was for me to send the payment through XXXX before they transferred the tickets via XXXX. To ensure I was sending money to the correct account, I first sent {$1.00} as a test. Once confirmed, I sent the remaining {$540.00}, bringing the total to {$540.00}. 

After receiving my payment, the seller never transferred the tickets. Instead, they blocked me on everything, including their phone number. Realizing I had been scammed, I immediately contacted XXXX via phone. I was instructed to file a case and told that a XXXX team would respond via email within XXXX days. XXXX days later, on XX/XX/year>, I received a response from XXXX stating that once a payment is sent, they can not stop it or recover funds. They also claimed they would take appropriate action against the scammer but refused to provide any details due to their Privacy Policy. This is completely unacceptablewhat does appropriate action even mean if they are refusing to return my stolen money? 

Following this, I reached out to Wells Fargo and explained the situation in detail. The representative handling my claim failed to take down all the necessary information, despite my repeated attempts to provide it. I had already filed a police report, along with complaints to the XXXX XXXX XXXX and other consumer protection agencies, yet the representative refused to document these crucial details. I had to fight just to get them to add the XXXX complaint number to my dispute. 

Then, yesterday, I received a letter in the mail stating my dispute was denied, claiming that no error occurred. This is completely unacceptable. Wells Fargos job is to protect its customers, and they have failed me. 

I am demanding that Wells Fargo force XXXX to refund my stolen funds and that this case be reopened immediately. If no action is taken, I will be closing all of my accounts and filing formal complaints with the FDIC, CFPB, and any other relevant regulatory bodies. 

The fact that neither XXXX nor Wells Fargo has done anything to protect me as a customer is absolutely insane. {$540.00} is a significant amount of money, and the lack of consumer protection from these companies is outrageous. I have no way of tracking down the scammer, and yet both institutions are refusing to help me in any way. 

Wells Fargo has the power to hold XXXX accountable and force them to return my moneyand I expect them to do so. If this case is not reopened and properly investigated, my next step will be to pursue legal action against both XXXX and Wells Fargo. The way this has been handled is appalling, and I refuse to accept this level of negligence from financial institutions that claim to protect their customers. 

I expect an immediate response and resolution to this matter.