Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened my account with Wells Fargo on XX/XX/XXXX with XXXX XXXX. When I opened my account she had added a XXXX telephone number XXXX that I had for a short time from XX/XX/XXXX to XX/XX/XXXX. I have an XXXX XXXXeport associated with this telephone number and account which has also affected my bank accounts at XXXX XXXX XXXX  and XXXX XXXX . Some how the indivdiual using that XXXX account has been able to operating out of my bank account as me even after I have closed accounts by reopening these accounts as me to transfers funds thru external bank transfers without my knowledge. I never noticed that telephone number until I started having issues with my online banking when I changed cell phone carriers in XX/XX/XXXX. Then my online banking password no longer worked. Once I did a password reset I was sent a phising email that gave the telecommunication company the pin number to my debit card and then my account was taken over by someone else other than me. I have been unaware of the charges that were being made on account and refused my right to review them. The bank submitted documents that I was aware of activity by fraudlently applying my electronic signature to different account activy that was submitted to the IRS. I asked for certified bank statements to ensure my statements were correct and that the bank had no part in my account fraud. They would not do this for me and told me there was no such thing. They also would not assist me with discovering who was changing my online banking passwords. Additionally, they altered my bank account by adding agreements that I was unaware of that stated I gave telecommunication carriers authorization to authiticate my account. This is what lead to a technology company operating out of my bank account as me and doing external transfers without my knowledge. The cell phone carriers then were stealing my number and email address and running processing companies under my name like XXXX Payments and having my mail diverted to the following : XXXX Payments, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. These carriers where then putting me on a different server without my knowledge while someone else was stealing the cell phone service that I was paying for out my my Wells Fargo account and then blaming illegal activey on me. When I asked the Wells Fargo fraud department to submit a fraud claim on the XXXX credit card payments that were processed out of my bank account because the payments were fraudlently being applied to these cell phone carriers as apposed to the debt that I had originally placed on the credit card, they denied the claim even though this was how various individuals were fraudlently using my idenity and telecommunication accounts to make these external bank transfers. Then I was denied the right to review a claim someone submitted for {$720.00} charge that was never on my bank statments by their financial crimes department in XX/XX/XXXX. This letter was stolen out of my locker at work at XXXX XXXX. Then I also disputed the XXXX XXXX   payments and XXXX payments because of the above mentioned telecommunication fraud and my claim deined even though this was how my Wells Fargo account also was fraudlently accessed after I authicated my account with my telephone number and email address when the carriers switched me on and off different networks. Wells Fargo denied any suspicious activity when I questioned them about my account being compromised by these carriers. The XXXX Police were called because they said I would not leave while I was on the phone with their fraud department asking questions about these telecommunication crimes that I discovered their banker added to my account unauthoirzed. The police said if Wells Fargo would not cooperate with me regarding my concerns on the fraud then I should just close my account. I agreed to close my account on XX/XX/XXXX which went into pending close status and was official closed on XX/XX/XXXX after my few dollars of pending fast food debit card transactions cleared from account. However, I have revieved a post card in the mail last week that my address was changed by the United States Post Office to my new address which is my XXXX XXXX This indicates this account is still open and the post office does not have my consent nor does it have authority to alter my consumer accounts due to mail fraud issues that I am also a victim too. Someone has since then forward all of my mail from my XXXX XXXX so that they are the ones recieving my banks statements while using my idenity. The United States Post Office refuses to provided me a chain of address so that I can review my addresses on file to stop the mail diversion of my bank accounts, idenity theft, and the fraudlent tax returns/ marriage/ fraudlent child support/ medical and insurance fraud assoicated with 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