Product: Checking or savings account

This is what I wrote to the bank. I thing the should be sued. 
-- -- -- -- -- -- -- -- -- XXXX A XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX Florida XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Bank , N.A . 
Customer Service & Dispute Resolution Department XXXX XXXX XXXX. 
XXXX XXXX Fl. XXXX Subject : Urgent Dispute Regarding Fraudulent Deposit & Bank Error. 

Dear Wells Fargo Customer Service, I am writing to formally dispute the negative balance of {$17000.00} on my Wells Fargo account XXXX, resulting from a deposit I made on XX/XX/XXXX at your branch located at XXXX XXXX XXXX. XXXX XXXX Fl. XXXX. I believe Wells Fargo is partially responsible for the financial loss due to misleading information provided by your employees, who assured me that the deposited funds were available and subsequently issued me a cashiers check before the deposit was fully verified. 

Summary of Events : 1. OnXX/XX/25, I deposited a check for {$24000.00} from XXXX XXXX Bank at Wells Fargo .

2. I explicitly asked bank staff when the funds would be available and expressed concern about potential fraud. 
3. A Wells Fargo employee assured me that the funds would be available intwo days and that the location of the issuing bank was irrelevant. 
4. After the two-day period, I returned to the branch to verify the deposit. I was again assured by bank staff that the check hadcleared and that there was no risk of fraud. 
5. Relying on this confirmation, I requested acashiers check for {$24000.00}, which was issued to me without any warnings or restrictions. 
6. Based on Wells Fargos confirmation, I proceeded with a business transaction, purchasing money orders and finalizing a sale. 
7. OnXX/XX/2025, I received notice from Wells Fargo that the original deposit was fraudulent, and my account was debited for {$24000.00}, resulting in a negative balance of - {$17000.00} Dispute & Wells Fargos Liability : Wells Fargos actions misled me into believing that the funds were secure : Issuing a cashiers check before fully verifying the deposited check implies that Wells Fargo confirmed the availability of funds. 
Wells Fargo staff provided explicit assurances that the funds had cleared, leading me to act in reliance on that statement. 
A banks duty is to verify a check before allowing withdrawal, yet Wells Fargo permitted the issuance of a cashiers check without due diligence. 

Requested Resolution : I formally request that Wells Fargo : 1. Reverse the {$24000.00} chargeback or at minimum remove the - {$17000.00} negative balance, as the loss resulted from Wells Fargos assurances and issuance of a cashiers check.

2. Provide a written explanation of why a cashiers check was issued before the deposit was verified. 
3. Investigate the transaction and provide a timeline of events from deposit to chargeback. 

Next Steps : If this dispute is not resolved promptly, I will escalate the matter by : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and the XXXX Office of Financial Regulation.

Consulting legal counsel to explore possible claims of bank negligence and misrepresentation. 
Reporting the fraudulent transaction to law enforcement agencies, including the FTC and FBIs IC3 division. 

I expect a response within 10 business days from the date of this letter. Please contact me at ( XXXX ) XXXX XXXX and XXXX to confirm receipt of this dispute and provide next steps.