Consumer complaint received 2020-01-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The below complaint was submitted recently, Wells Fargo rep, XXXX XXXX, answered stating can not reply due to litigation which is a lie, he has attempted prior to use the same reason and failed. It is evident he lied as the CFPB has prior complaints on file in which he has provided a response ... Also, he has replied numerous times prior with a general form response which is bogus itself. His form response states numerous attempts to resolve each and every issue raised made, exhausted all efforts which is also a lie. I have no such record of any attempts such as calls, emails, etc from anyone at Wells Fargo aside from XXXX XXXX with their mediation program. XXXX offered a settlement amount which I have learned she low-balled as other Wells Fargo customers have received more with lesser damages than myself. No payment was received from the offer, XXXX provided a check copy which was not signed by myself and no funds received from it which I made clear in complaint prior in which he attempted to use the " can not reply due to litigation '' line which I mentioned above and again, is a lie. To date, I have filled out a total of FIVE mediation request forms, all denied. Wells Fargo keeps mailing me these forms which I have filled out and again, was denied. Since no payment was received as stated earlier, I am back to requesting refund of overdraft fees charged to accounts not authorized and have damaged my ability to open accounts with other institutions due to XXXX XXXX   reporting and other consumer reporting agencies. Most recently, I attempted to open a money market account and was denied due to information reported from these accounts. I am requesting a refund in the amount of {$610.00} in overdraft fees charged which is detailed in below complaint.. 
According to XXXX XXXX with Wells Fargo, a settlement check was mailed to me sometime in or around XXXX which was not received. The check I believe is from a settlement offer made by XXXX XXXX in XXXX, she contacted me after I sent a mediation request form in. The mediation request stems from several checking and savings accounts opened in my name which I did not need or want, the accounts were opened as a result of high pressure sales tactics to boost executive profits. I had initially requested a refund in the amount of {$610.00}, was denied by Wells Fargo reps whom only offered small remedy refunds. Since no payment was received, I have referred back to this request and sent in additional mediation request forms, a total of five to date, all denied. XXXX replies to CFPB with either a bogus form letter stating numerous attempts at resolution made, exhausted all efforts which I can assure the CFPB and any other third party is a lie, also attempts to state he can not reply directly or due to litigation, which is also a lie. XXXX has not detailed ONE such attempt at resolution such as any calls or emails to me attempting to reach out, there is none. Further, I have not received any payment from this supposed check sent and cashed in my name, I believe any check he refers to was fraudulently cashed.

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