Consumer complaint received 2021-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ref. CFPB Complaint no. XXXX On the morning of XXXX, 2021 at XXXX PCT, I accessed my XXXX portal to check the status of my outstanding complaints against WellsFargo Bank . Ss a result, I discovered that I had received a correspondence from WellsFargo 's Case Specialist/Enterprise Complaints Management Office, and what I found was incredibly shocking to me. 

Within WellsFargo 's correspondence letter, title Subject : Complaint Resolution WellsFargo Case ID : XXXX The total number of unauthorized transactions is not correct. Under the heading " What you need to know '', in the third paragraph, it is stated that the total number of disputed transactions is five ( 5 ). The correct total number of disputed unauthorized transactions is actually XXXXhirty two ( 32 ). 

The first ( 1st ) unauthorized transaction was made on XXXX, 2021 from a company in XXXX for the amount of {$21.00}. This transaction was discovered during an audio recorded conversation with a ( " WellsFargo Claims Resolution Specialist '' - WCRS ) on XXXX, 2021. 

The claims specialist and I together want over every line, starting from my XXXX, 2021 XXXX XXXX, 2021 banking statements, ( I did my verifications from my banking statements of which I accessed directly from my WellsFargo online account, in conjunction with the WellsFargo claims specialist 's access of the real time online postings, and concurring our findings together ). I told the WCRS that the XXXX XXXX, 2021 unauthorized transaction was not on my bank statement which is posted online. In addition to this, there were six ( 6 ) additional unauthorized transactions of which I originally had on my online banking statements that the WCRS did not have in their original findings from the real time online postings, and as a result were added by the WellsFargo claim specialist to my claim. 

The other thirty one ( 31 ) unauthorized transactions are posted on my XXXX, 2021 statement, ( on page 2 of 6 which are charges from XXXX XXXX XXXX XXXX thru page 3 of 6 which are also charges from XXXX XXXX XXXX and include a charge from XXXX XXXXXXXX in the amount of {$32.00}, location unknown and a charge from International Purchase Fee in the amount of {$0.00}, also location unknown ) and my XXXX, 2021 statement, ( on page 2 of 5 thru page 3 of 5, also charges from XXXX XXXX XXXX 

On my XXXX, 2021 statement, appears the WellsFargo transaction ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) in the amount of {$150.00} of which I am also disputing because those funds where deducted and then redeposit so many times, in and out of my account, that I am sure that there is an error on the part of WellsFargo . 

As a continued result of both accounting and crediting errors by WellsFargo my account still remains in the negative with no explanation of the initial/latest {$410.00} deduction termed ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) which has niw placed my account in the negative - {$400.00}

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