Consumer complaint: XXXX I ( " XXXX XXXX XXXX '' / '' XXXX XXXX '' ) had been operating a " Checking Account '' ( Opened in XXXX, WA ) with " Wells Fargo '' since XX/XX/XXXX. 
XXXX I had relocated from US to XXXX in XX/XX/XXXX and this account became dormant since then. 
XXXX I had relocated back from XXXX to USA and opened a Credit Card & Savings Account with wells fargo XX/XX/XXXX. 
XXXX My personal banker had enabled the online access for the New accounts with the same credentials that i had been using since XX/XX/XXXX. 
XXXX I had gotten cheque from one " white collar criminal '' for a payment towards blocking a room in my rental apartment XXXX He was supposed to pay me XXXX , but he wanted some help with booking his travel. So he wanted to send a cheque for XXXX , So that i can pay back to his travel agent. 
XXXX I had initially rejected his proposal and asked him to send the cheque for my payment alone but agreed later on upon his persistence for the help related to his travel. 
XXXX I had deposited the cheque in my Wells-Fargo " Checking Account '' on XX/XX/XXXX. This cheque corresponds to " XXXX XXXX XXXX XXXX '' Based out of XXXX XXXX, CA. 
XXXX I was told by the bank management that they would take couple of days to withdraw the funds from Source Account and transfer them to my account. 
XXXX The Funds were deposited into my account on " XXXX XXXX '' and I had validated the same. 
XXXX I sent the money ( XXXX $ ) to his Travel Agent on " XXXX XXXX '' through XXXX 's " XXXX '' Service as per his directions. 
XXXX After couple of days, He dropped out of our rental agreement quoting Job Transfer reasons. 
XXXX I checked the account status and found that my " Checking Account '' was running in " Negative balance ''. 
XXXX After visiting the wells fargo bank branch in XXXX XXXX, CA, I learn that the funds corresponding to this particular cheque were withdrawn on XXXX XXXX ( One day after the Funds were deposited into my account ). 
XXXX As the funds ( XXXX $ ) which were supposed to be there in my account are withdrawn, funds were overdrafted from Savings Account and Credit Card to cover the " XXXX Transfer ''. 
XXXX I had debated with the bank management that their business practices are broken. The bank ca n't withdraw funds one day after depositing into customers account They gave lame excuses saying things like XXXX ( a ) The funds in the Source Account ( XXXX XXXX XXXX ) disappeared all of a sudden. 
( b ) Wells fargo has verified the funds in the source account in those XXXX days and desposited the funds into the destination account only to find the disappearance of source account funds, And so it withdrew the funds from customers account ( my account ) next day. 
XXXX I had lost trust in the management at XXXX XXXX branch and visited the Bank 's branch at " XXXX XXXX ''. 
XXXX The bank representative at " XXXX XXXX '' branch was even worse. He was making excuses " on the fly ''. 
He was telling things that lack accountability like XXXX " Say what, I would blame it on the wells fargo automation. I would say the wells fargo online banking system has a problem. 
It just verified the funds in the source account, and deposited the funds in the desitnation account without deducting and reverted that change later on due to the absence of funds the following day ''. This is completely absurd. 
XXXX I then figured out another issue that confirms the involvement of " Wells fargo ''. 
" OverDrafting '' is an optional service. I had never enabled the " OverDrafting '' ( Remember, when i opened the checking account in XXXX, the other XXXX accounts were non-existent ) .This proves that, Wells fargo management enabled the " OverDraft '' functionality without my authorization and is definitely involved in this " White Collar Fraud '' I strongly request/encourage you to investigate the direct involvement of wellsfargo in this " white collar cheque fraud '' and bring justice to deposit the " Lost Funds '' ( XXXX + Over Draft charges ) into my account. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response