Consumer complaint received 2022-12-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The company, refuses to accept the problem as a dispute under Regulation E of the Federal EFTA of 1976. The bank has made its decision despite the strong evidence contrary to there decision which they have closed based on their findings. There is no regard the customer, s, my knowledge and view of what happened. 
The facts of dates, amount and circumstances are already known by Wells Fargo Bank p, NA. 
COMPLAINT # XXXX TO THE CFPB From : XXXX XXXX XX/XX/XXXX I hasten to file this XXXX complaint on the advise of XXXX to whom I and my Father, XXXX XXXX XXXX XXXX, spoke on Thursday, XX/XX/XXXX, about our concerns about Complaint number XXXX dated XX/XX/XXXX. 
Wells Fargo Bank, ( referred hereafter as the bank ) who is the subject of all XXXX complaints, did reply, as read to me by XXXX. My concern was and still is that the bank continues to insist that I or someone known to me withdrew the {$18000.00} from my accounts. I declared, with indisputable evidence, that I, XXXX XXXX did not authorize the withdrawals ; nor, that I know the person shown on the banks accounts as the responsible perpetrator. 
The latest banks response was communicated to me by one XXXX, with whom I personally communicated by telephone and fax, on or about XX/XX/XXXX. She only reiterated the fact that the case was closed by the bank. I explained that there is a dispute as per Regulation E of the Federal EFTA of 1976. So instead of presenting my stance to the legal department of the bank, she sent a fax number to which I could do so myself. But, this was a stonewall, because the fax number needed a code in order to connect. After not being able to hear from XXXX, I called the CFPB on Thursday, XX/XX/XXXX and spoke to XXXX, the answering agent. 
As I explained to XXXX, knowing that this is a legal matter, which falls under the rules of Regulation E, I have applied for a docket number from the docket Clerk of the CFPB as early as XX/XX/XXXX. Making this request, I hope to have the opportunity to provide the clear evidence that this situation between myself and the bank has created a dispute under Regulation E, of an unauthorized transfer of funds from a consumers bank account. I am sure that at a hearing before an Administrative Agency Tribunal of the OAA, an administrative judge would rule in my favor when comparing my evidence with that of the bank which has a record of consumer financial abuse. My wish is that the bank would facilitate the presentation of my evidence before an independent tribunal of the CFPB, the Federal Agency which has the responsibility of enforcing the rules of Regulation E.

My prayer is, that this complaint would cause a hearing to take place or bring about a settlement and recovery of the unauthorized transfer of the {$18000.00}. 

My Contact information : Any reply to this complaint should be made to my legal representative XXXX XXXX XXXX XXXX, my father whose XXXX XXXX # XXXX  XXXX. Phone : XXXX XXXX XXXX or XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; email XXXX XXXX

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