Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am the former wife of the victim ( have Power of Attorney ) filing this claim. 
[ My former husband ] is a XXXX XXXX XXXX XXXX person ( by XXXX XXXX ) who is financially harmedthrough the lack of Corporate due diligence & protection from Wells Fargo ( WF ) .The claims ( all denied by WF ) for a period of six months totaled {$130000.00} consisting of {$84000.00} on credit cards, debit card, & checking account and causing the total depletion of his savings account. Plus, {$55000.00} which is explained below. [ My former husband ] has been a Wells Fargo client for 30 years with respectable savings with Wells Fargo of which he never had a pattern of the magnitude of expenses incurred in a short time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have had to simultaneously tried to find the best avenue that deals with banks after we learned that Wells Fargo had denied all the claims put in. 

The financial fraud abuse was committed by [ XXXX XXXX ] living in XXXX who took my former husband out of state to XXXX  where the series of fraud activity began from XXXX thru XXXX of 2022. [ My former husband ] allowed [ XXXX XXXX ] to purchase only essential items for my former husband, who can not drive and has the greatest difficulty in walking. [ XXXX XXXX ] without approval of [ my former husband ] took possession of all financial cards, check books and even manipulated [ my former husband ] to conduct a wire transfer of {$42000.00}, a cashiers check of {$12000.00} and {$2500.00} in cash out of Wells Fargo Branches for a total of $ XXXX. 

Wells Fargo is declining all the claims for credit cards, debit card and checking account reimbursements. [ My former husband ] ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) did not truly know what he was paying and just made auto-payments for one of his Wells Fargo cards which took payment from his savings account until it was XXXX ). [ My former husband ] however did question 5 transactions in XXXX for which the bank recognized. 
The second WF card, [ My former husband ] used to make online payments not realizing what was transpiring every month. Again automatic withdrawal from his savings account through automated monthly payment. Due to his XXXX, he wasn't conscious of this situation like a normal person would be. 

One of the reasons made by Wells Fargo for declining credit card fraud coverage of $ XXXX was due to [ my former husband ] not disputing charges prior to payment made. He subscribes to Auto payment as he is unable to handle the responsibility of making payments or understanding a complete statement. [ my former husband ] was not aware that there were100 's ( hundreds ) of disputed charges and to our knowledge there wasn't the appropriate governance or due diligence by Wells Fargo to protect a client from a magnitude of grotesque pattern of charges coming at once from all different locations in the USA. You think that the unusual and accelerating pattern of spending, until leaving him penniless and homeless, would have been flagged. Wells Fargo seemed to not reach out to verify these illogical expenses being made against his banking history and instead denied every claim submitted to them. 
ALSO, 1 ) A loan agreement for a recreational vehicle ( RV ), which involves {$42000.00}, is dated XX/XX/2022 involving [ XXXX XXXX ] taking a loan for an RV from [ my former husband ]. [ My former husband ] paid {$42000.00} thru a Wells Fargo wire transfer to the seller of the RV [ XXXX XXXX ]. In addition, [ my former husband ] paid {$12000.00} to [ XXXX XXXX ] consisting of a {$10000.00} cashier 's check and {$2500.00} in cash for a XXXX XXXX. A fraudulent loan agreement was written by [ XXXX XXXX ] an acquaintance of [ XXXX XXXX ]. 
[ XXXX XXXX ] has possession of the two vehicles and pink slip for the RV. The loan agreement for the RV has no address of the parties involved, no make or model of vehicles, nor VIN ( Vehicle Identification Number ) of the two vehicles. In addition, the contract is unsigned by [ my former husband ]. No signature is on this agreement by [ my former husband ]. The contract is invalid because without his signature it has not been executed. 
2 ) Furthermore, there is evidence that [ my former husband being left homeless ] was picked up on XXXX XXXX of 2022, first week of XXXX, by [ my sister ] and [ my former husband ] could not have signed this document later dated XXXX XXXX, 2022. Note : [ XXXX XXXX ], who made the contract, only provided a photo ( camera picture ) of the computer screen with the picture of the contract. No clear scanned doc or receipts of payments were sent by [ XXXX XXXX ] despite me requesting that clear, legible reading documents be sent. 

3 ) Arizona Deputy Police Report states that the money for the RV came from [ my former husband ] and according to him the RV was sold to [ my former husband ] and not to [ XXXX XXXX ]. Please know that [ XXXX XXXX ] has possession of the {$42000.00} Recreational Vehicle and pink slip. He also took with him the XXXX XXXX that he sold to [ my former husband ] for {$12000.00}. 

XXXX ) Line item XXXX of the first page of loan agreement says that [ XXXX XXXX ] agrees to give [ my former husband ] a 2022 XXXX XXXX in exchange for this loan. [ My former husband ] has no recollection of this line item No. 7 ever being discussed. Also, there are two witnesses on XX/XX/2022 where the agreement was made by [ XXXX XXXX ] that he would reimburse the {$12000.00} cash for the car. 

This loan agreement was recently created to avoid payment of the RV and also fraud him with {$12000.00}. BOTH individuals [ XXXX XXXX ] and [ XXXX XXXX ] should be charged criminally and civilly for engagement to commit fraud, financial and mental abuse to a XXXX person! 

It's clear after the investigation that [ XXXX XXXX ] and [ XXXX XXXX ] made [ my former husband ] believe there was a contract at the beginning of this ordeal so that [ my former husband ] would go to the bank and request a wire transfer for the RV. Now, that [ XXXX XXXX ] and [ XXXX XXXX ] are aware of the investigations under way, both proceeded to create this agreement dated back XXXX XXXX by which [ XXXX XXXX ] is to pay monthly payments of {$500.00} ( XXXX XXXX dollars ). Attachments are available upon request ( Wells Fargo letters with denial of claims, my excel sheets, loan agreement, and Arizona police report ). XXXX Police has passed this case to their Investigation Unit. Contact information is as follows : Case # XXXX XXXX  Sheriff Station XXXX XXXX XXXX. 
XXXX, CA XXXX ( XXXX ) XXXX Eternally grateful for your help to get Wells Fargo to get compensation for this financial loss.

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