Consumer complaint received 2020-12-12
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/XXXX at XXXX, I was a victim of fraud that resulted in the amount of {$6400.00} taken from my account. The money was disbursed from my XX/XX/XXXX, XXXXXX/XX/XXXX, and XXXX, but was all connected to my Wells Fargo credit card. On XX/XX/XXXX, I was told that my case was dismissed, I will not be reimbursed for anything, and that my account will be in the negatives. Due to this matter, I am now forced to move out my apartment complex and live in my car, while i work to regain the money that I have lost Below are my issues with this claim : Wells Fargo took my paycheck that was the amount of {$440.00} was deposited ( via direct deposit ) into my account on XX/XX/XXXX at XXXX, which was before I made this claim. XXXX XXXX, the manager of the bank at XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX that I submitted the claim to, asked me numerous times which transactions were unauthorized and if my check from my job was correct. I confirmed that the transactions from XXXX were correct and anything after that was unauthorized. XXXX saw that an unauthorized check was put into my account in XXXX,XX/XX/XXXX and I was in XXXX, XX/XX/XXXX. XXXX then called the fraud department and made the claim. Wells Fargos fraud department proceeded to take out my paycheck and put it with the claim. 
The check that was deposited into my account on XX/XX/XXXX for the amount of {$2700.00} was also fraud. Wells Fargo detected it as a fraud but still authorized it despite there being an active investigation in process. I spoke with XXXX, from the Fraud Department, and he told me that he saw the {$2700.00} check. He stated that the check has not been processed and he suspects it to be fraud. 
On XX/XX/XXXX, I was notified through email that another claim was made for the {$2700.00} amount and that the check was fake. The email also stated that it will be charged on my account, causing it to be - {$2700.00}. This should have not happened and that money should have been flagged immediately. 
Other banks call/notify their customers to verify deposits and withdrawals if it is a large amount or if it's out of state. This is especially true if an account is being investigated for fraud. I never received a call or notification that another check was put into my account after I made the claim. The person who did the transaction used the same location that they put the original check in. That should have automatically been a red flag as I live in XXXXXX/XX/XXXXand made my claim in XXXX XXXX also took it upon himself and made a comment in regards to the claim for the amount of {$500.00} and stated that he was going to also dismiss that claim and I will not receive any money for that as well. I took that very seriously because that claim is still being investigated as of XX/XX/XXXX. 
Additionally, I have a limit of {$3000.00} a day that I can take out of my account. I am extremely confused on how this even happened as the amount of {$6400.00} was taken from me in one day.

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