Consumer complaint received 2023-10-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo is a different type of beast and parasites their customers and i've got receipts.

In the past few weeks I have seen and read lots of reviews and bad customer service relations about Wells Fargo banking practices and the many way they strip-mine and steal from their clients. The Informations are out there with just simple google search. With no surprise, last week I received a call from an Escalation Representative from Wells Fargo name XXXX XXXX blatantly accusing me of being responsible for the charges i have disputed as fraudulent on my account based on the result of their investigation and when I asked him for documentation or evidence that support their investigation, he told they can not share those details with me and that they are not obligated. 
This man with his accusatory tone tells me they have concluded investigation that makes me liable for the charges in question but not obligated to furnish the evidence, he said that I have to take the loss. 
He told me the evidence for their decision is that it shows that the device I used to log into my Wells Fargo was the same device that most of the transactions occurred in, and also being that I continued to log into the account while the transactions happed and because I didn't report this I must have been aware or authorized the transaction, this new was shocking to for several reason but main reason being that it was untrue but mere speculation that the is convinced to be factual, and because the Device I use at work for most of everything is a public domain XXXX and internet service I asked him couldn't this has been done by any sort of hacking, he said no. 
He also said that my primary device has been used to authorize some transactions which again was untrue on my part. 
Again with him refusing to show me any evidence left me paralyzed and distraught cause I'm thinking the perpetrator might be closer than I think so I went ahead and reached out to a private detective with extensive portfolio on network and internet security while placing an order to replace my primary phone device. The investigated started digging into this matter, by last thursday she reached out to me and told me that upon the bare minimum she's done she sees that the transactions was not made from the device I used for my online but from an identical device that mimics the device I go online with, she told me to go ahead and delete the app and all my information from the public device and also told me to give her till wednesday to get back to me with full report. 
I called CFPB immediately talking to one of their reps about this situation and she suggested that I file a new complaint about this on their platform which I decided to wait till i get the full report from my investigator. 
All this haven't been easy on my mental health, it started to manifesting into extreme headache and pulsating XXXX XXXX which is triggering to me as a XXXX survivor so I went and saw my XXXX who asked me if something is stressing me out and I told her and she suggested that I try to rest cause my XXXX  level is up which I did up until today when I heard back from the investigator who reiterate that the transactions wasn't made with the device but a similar XXXX XXXX. 
She said even more, she said that upon her investigation she sees that none of the transactions was made with my accurate billing informations or phone number, and that none of them should have gone through if my bank followed proper procedure to protect my account. 
She also said that some of the transaction was made out of state and asked If my bank have tried to contact the merchant to match billing info and I said no because they are busy double victimizing me. 
When XXXX XXXX, a Wells Fargo Escalations representative said that because I was still logging into my account was evidence of my liability I told him like I've told another person I spoke to a week before that I only log in to make XXXX payments to 3rd parties which most times they XXXX don't worker because of some technical glitch, and reiterate that I don't go in there to balance my account but he ignored my reasoning and held unto his false assumption and delusion. 
XXXX XXXX said I should reach to the Fraud Dept. and see what paper work they can give me, I spoke to someone from Well 's Fargo fraud Department who also denied the paper work of their evidence which he refused and said they can't share those documents. 

Yesterday when i checked my mailbox I saw several letters from Well 's fargo which some of them might have been sitting there for the past week. In one of the letters from XXXX XXXX XXXX he was reiterating the same vague comment with not evidence. In another letter I was told that under applicable law, I had 60 days to report any unauthorized transaction which I wasn't aware of or even made aware of by Wells prior to getting account, the only thing I was made aware of is that Wells Fargo will protect my money and I was a fool to believe that since they allowed transactions made with false identity that matches nothing of my billing information to go through. 
Some other letters which seem identical states that they've consolidated my claims to one claim to make it " easier '', easier for who you may ask? easier for Wells Fargo cause when they decided to lump four different claims made on different days together as one with same date, it gave them a loophole enforce a 60 days rule that was never disclosed to me in the inception of my account. Meanwhile most some of the transactions were just dispute but because of their carelessness and thinking about their bottom line instead of looking at how they failed with customer service and protection they lumped all of them into one claim and used a 60 days rule as a secondary measure to force liability on me. 
Today I started a complaint with XXXX regarding this issue and tomorrow I'm going down to the Court to file my paper work against Wells Fargo and their mishandling of this issue as well as contact FDIC cause Wells Fargo need to be held liable for the way they mishandle me and my account.

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