Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: VA
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:
I recently seperated from my husband of 30 yrs. I had to travel for business for extended time. For this reason i told my husband he could stay in the home with my school age daughter ( mortgage is in my name ) until XX/XX/XXXX in order to save money for a new home. I was to be returning to the area in late XX/XX/XXXX. I had chosen to do a short term rental until XX/XX/XXXX as discussed. I viewed many properities on XXXX XXXX as they are furnished rentals. I saw a property on XXXX then again on XXXX. I contacted the owner via XXXX email. I signed a lease and was requested to pay {$500.00} refundable deposit as well as the first month in advance. I was to move in on XX/XX/XXXX. I did extensive research on the property to all good reviews. I was unable to view the property was i stated above i was out of town for business. On XX/XX/XXXX I reached out to ask where the key would be placed on XX/XX/XXXX no response. I proceeded to email multiple times on XX/XX/XXXX no response. I searched online found a contact phone number contacted them several times on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX early morning I was contacted by the actual owner of the property. Apparently, this had happened to her before. Someone ( network of people ) as I am sure you are aware steal the real owners ad post it and rent the property they do not own. I have contacted my bank they are attempting to retrieve my money but they said that is not going to happen. I filed the police report who advised i should contact you.The scam is still going on the property I rented is advertised on XXXX i have notified them and it appears initial ad was shutdown and new ad posted. I also viewed many homes on XXXX that are being advertised on XXXX i posed as a renter and same exact response as with my situation. I have the following information. The " owner '' is XXXX XXXX home address ( which is another rental property ) XXXX XXXX XXXX XXXX XXXX, VA. The Banking Info Wells Fargo Routing # XXXX Account Number XXXX, Bank Address XXXX XXXX XXXX XXXX VA XXXX, The actual owner of the property XXXX XXXX which the address is XXXX XXXX XXXX XXXX XXXX, VA XXXX. I had to quickly find another property to move into which i had to borrow that money from a friend so that i could have a home for my daughter to stay with me. With theh holidays quickly approaching i wanted to get moved in and as comfortable as i could to assist with this HUGE transition. I think that is what makes me more ANGRY then anything. My daughter who is only XXXX again my husand and I were married over 30 yrs and due to continued XXXX XXXX i finally had the nerve to leave and this is what happens when i try! Anything that you could do to assist not only myself but prevent this from happening from someone else i would GREATLY appreciate it. I also contacted my homeowners policy and was advised since I made the transfer they did not fraudently access my account i would not be eligible to be reimbursed the $ XXXX that my policy allows for.

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