Product: Checking or savings account

Personal Case : Fraud of {$25000.00} Due to Identity Theft ( XXXX ) Updated Formal Letter XXXX XXXX [ XXXX de XXXX XXXX in XXXX, XXXX California, XXXX ] Email Address : XXXX Phone Number : XXXX Date : XX/XX/XXXX Wells Fargo Bank , N.A . 
Attn : Customer Service XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Demand for Review of {$25000.00} Fraud Due to Identity Theft ( XXXX ) and Complaint of Gross Negligence and Systemic Discrimination Dear Sir or Madam, I am a Wells Fargo customer ( account XXXX ), a resident of XXXX, XXXX, and a victim of a {$25000.00} fraud perpetrated between XX/XX/XXXX and XX/XX/XXXX, through XXXX unauthorized withdrawals of {$700.00} each from ATMs in XXXX XXXX and XXXX XXXX. This crime, confirmed as identity theft by your own bank, reveals inexcusable negligence due to the lack of effective mechanisms to protect my account. Furthermore, I was subjected to blatant discrimination as a foreigner, a treatment that aligns with a documented pattern of abuse toward vulnerable customers, leaving me unprotected and with damages that persist to this day. 
In XX/XX/XXXX, I attempted to use my card ( ending in XXXX, CARD XXXX ) in XXXX, and it was declined. Upon contacting you at XXXX, I was told it " did not correspond to any account. '' An email from Wells Fargo XXXX Banking confirmed unauthorized changes to my contact information : email addresses ( XXXX ( mailto : XXXX ), XXXX ( mailto : XXXX ) ) and phone numbers ( ( * ) XXXX, ( ) XXXX ), which I never requested. A bank representative confirmed that someone had stolen my identity and provided me with a statement detailing XXXX withdrawals of {$700.00} each from ATMs in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), totaling {$25000.00}. However, Wells Fargo neither refunded me nor took action, despite its legal and ethical obligation to prevent such fraud under Regulation XXXX and the Consumer Financial Protection Act ( XXXX ). 
This negligence is not an isolated incident. The {$3.00} XXXX fine imposed by the CFPB in XXXX for illegal practices between XXXX and XXXX includes security failures that enabled widespread fraud, impacting millions of customers. Cases such as XXXX XXXX Wells Fargo ( XXXX, California, {$5.00} XXXX settlement for illegal charges against immigrants ), XXXX XXXX Wells Fargo ( XXXX, Texas, discrimination in XXXX loans ), and XXXX XXXX Wells Fargo ( XXXX, Arizona, {$8000.00} account freeze for a foreigner ) reflect a pattern of neglect toward border-region customers. Studies from the University XXXX Texas at XXXX XXXX ( XXXX, XXXX ) and XXXX ( XXXX ) document how Wells Fargo exploited immigrants through obstacles and deliberate negligence, as occurred in my case. 
The discriminatory treatment I endured was evident : the bank dismissed my claim, suggesting my residence in XXXX made it " difficult, '' and failed to offer me the same protections provided to XXXX customers. When I sought help, the XXXX police refused to investigate due to " lack of budget, '' XXXX XXXX demanded a XXXX address I could not provide as a XXXX resident, and the XXXX XXXX in XXXX offered only a vague suggestion to file a written complaint. The XXXX pandemic border restrictions prevented me from crossing into the XXXX, but the root of my vulnerability lies in XXXX XXXX failure to prevent this fraud and its unequal treatment of me as a foreigner, leaving me with financial losses [ e.g., {$5000.00} in debts, {$10000.00} in loans ] and devastating emotional harm. 
I demand : A thorough investigation of the identity theft and the XXXX withdrawals, based on your own records. 

Full reimbursement of {$25000.00}, plus compensation for financial and emotional damages caused by your negligence and discrimination. 

A written response within XXXX business days. 

I have filed complaints with the CFPB and the XXXX Consulate in XXXX XXXX, and I am prepared to escalate this matter to courts or the media, supported by XXXX XXXX track record and my right to fair treatment. Your lack of fraud prevention mechanisms and systemic discrimination can not go unpunished. I expect an immediate resolution. 
Sincerely, [ XXXX XXXX ] [ Account : XXXX ]