Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX of XXXX, I was a victim of fraudulent activity and theft on my Wells Fargo Savings and Checking Accounts that I did not authorize. Below are step-by-step occurrences of the following crimes committed. 

( XX/XX/XXXX ) My savings account of {$4000.00} was externally compromised. 

( XX/XX/XXXX ) The perpetrator fraudulently transferred {$4000.00} from my savings account - to my checking account. 

( XX/XX/XXXX ) My savings account was left with only {$0.00}. 

( XX/XX/XXXX XXXX ) The perpetrator then fraudulently made XXXX separate transactions through my checking account, resulting in a theft of {$3800.00} BELOW ARE ALL THE FRAUDULENT TRANSACTIONS MADE ON MY CHECKING ACCOUNT : -- {$1400.00} ( FRAUDULENT XXXX  TRANSACTION ON XX/XX/XXXX ) -- -- {$550.00} ( FRAUDULENT XXXX MONEY TRANSFER ON XX/XX/XXXX ) -- -- {$1000.00} ( FRAUDULENT XXXX MONEY TRANSFER ON XX/XX/XXXX ) -- -- {$890.00} ( FRAUDULENT XXXX MONEY TRANSFER ON XX/XX/XXXX ) -- On XX/XX/XXXX - XXXX received an unrecognizable package containing XXXX torn-up hats delivered to my address from XXXX ' that I never ordered or confirmed as an authorized purchase with Wells Fargo. 

After investigation, Wells Fargo determined 3 of the XXXX transactions to be fraud and refunded me the lost funds. Wells Fargo, however, denied the following claim and proceeded to reverse the credit of {$1400.00} from my account on ( XX/XX/XXXX ) : -- {$1400.00} ( FRAUDULENT XXXX  TRANSACTION ON XX/XX/XXXX ) -- Wells Fargo told me this claim is closed and that Im automatically responsible for the missing {$1400.00} dollars charged to my account due to the " product '' being delivered and the merchant having a " compelling case. '' After researching this company, the supposed website the " purchase '' was made from, did not exist. 

My main issue with Wells Fargo is how such a large transaction was made on my account in the first place without any contact from Wells Fargo via mobile app notification, text, or call. There were no security alerts. All transactions I make are always sent to me. These transactions, however, were not. My bank history has shown that I have never made such large transactions/purchases for Wells Fargo to approve of this transaction without reporting suspicious activity. 

I was given no opportunity to speak with Wells Fargo before they came to a final decision on my claim. When I asked for more details, I was told that it was an authorized transaction and that my claim was closed and could not be reopened. Wells Fargos lack of security/communication on this transaction, as well as providing information regarding more details of this transaction, where the transaction was made, how the transaction was made, or if a CVV code was used- is the cause for my complaint; forcing me to continue to take further action in resolving this crime committed against me. 

Wells Fargo determined the other transactions made on my account ( XXXX ) to be fraudulent ; however, they determined this particular transaction as legitimate ; even though this transaction was made on XX/XX/XXXX ( the same day my account was compromised. ) After further research, I found Wells Fargo was the victim of a data breach in XX/XX/XXXX ( when this theft occurred. ) However, Wells Fargo never acknowledged this. Instead, they made a final decision and closed my case. 


I hope Wells Fargo can come to an understanding so that we can further resolve this issue. 

As of XX/XX/XXXX : I have filed a complaint to XXXX ( Internet Crime Complaint Center ) I am in the process of filing a police report with the local police regarding this issue. 

I will also take any additional steps needed and will provide any information regarding this theft.