Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have new and updated information regarding Complaint Number : XXXX, As seen in Exhibits K and L, I received correspondence from XXXX XXXX XXXX XXXX Escalations Representative on behalf of Wells Fargo in relation to the above referenced complaint number. In her correspondence, XXXX XXXX alleges that based upon her research, there was a check deposited into my account in the amount of {$4300.00}, this alleged deposited check was returned and debited from my account, the check returned unpaid because the check issuer placed a stop payment on the check, advised that I should reference the Wells Fargo Deposit Account Agreement, and she determined that there was no bank error in the handling of the deposit or the subsequent debits. 

XXXX XXXX assessment of this transaction is false and misleading for several reasons and proves that Wells Fargo Financial Institution has some integrity issues that could lead to unethical transactions : XXXX. The Deposit Account Agreement policy references Well Fargo policy and procedures for whenever there is a deposit made within the account. As stated within the initial complaint, there was never a deposit made into the account, only a check was cashed in the amount of {$4300.00}. Exhibit XXXX reflects the details of that transaction and theres nowhere within that transaction receipt that states a deposit was made. Exhibit XXXX complements Exhibit XXXX as it reflects the account details at the time of the transaction. Theres no reference to a deposit being made to the account at the time of the transaction. 

XXXX ( a ). For example, on XX/XX/XXXX, I went into a Wells Fargo Branch to deposit a check in the amount of {$4100.00} into my account. As seen in Exhibit M, the transaction receipt looks totally different than what was provided at the time of the transaction made on XXXX XXXX. Whereas the transaction receipt states that the transaction is a deposit, the amount deposited into the account, the amount currently available, and the date the remaining funds would be available. Exhibit XXXX reflects the account activity at the time of this transaction, whereas theres proof that an actual deposit was made at the branch as well as a screenshot of the check that was cashed. None of the above mentioned was present within the transaction made on XX/XX/XXXX, which warranted this complaint. 

XXXX. Exhibit O, contradicts XXXX XXXX claim of sending me a letter on XX/XX/XXXX, advising of a returned check in the amount of {$4300.00}. In fact, Exhibit O proves that Wells Fargo, without my authorization as the account holder, took it upon themselves to deposit an instrument into my account at XXXX. I was made aware of this activity by an e-mail alert and contacted Wells Fargo. As mentioned within the initial complaint, I was informed on a recorded line by several Wells Fargo employees, including a supervisor that the check that was cashed on XX/XX/XXXX, cleared the XXXX processing. 

XXXX. XXXX XXXX and Wells Fargo representatives manipulation and misrepresentation of this transaction has caused me damages in the amount of {$4300.00}. XXXX XXXX falsifying the details of this transaction is a blatant lie, which is also like stealing from me as the account holder. This misconduct resulted in financial harm to me, the customer. This is the same unethical behavior that landed Wells Fargo in trouble with the United States of America Department of The Treasury Office Of The Comptroller Of The Currency XX/XX/XXXX as seen in Exhibit P.

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