Consumer complaint received 2020-02-28
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:
A third Wells Fargo rep by the name of XXXX replied to below complaint using same general form reply which as stated in numerous prior complaints, is entirely bogus.  Further, Wells Fargo has in fact NOT addressed complaint or prior ones by using this bogus reply.. I can assure the CFPB issues detailed herein were not addressed in prior replies or in a letter from XX/XX/XXXX which Wells Fargo reps continually refer back to.. To provide an update, an affidavit was mailed onXX/XX/XXXX, have not heard back in re..This affidavit is for intercepted check issued by Wells Fargo, signed by a third party, cashed in my name and no funds received from it. 

The below complaint was submitted and a third Wells Fargo rep by the name of XXXX replied with another general form response which I can assure the CFPB is bogus and does not address my complaint or issues detailed in it ... The issues include non-receipt of settlement check and amount of which low-balled by XXXX XXXX, continued sustained damages as result of Wells Fargo reporting information to XXXX XXXX XXXX and unable to open accounts because of it. Please see complaint below which will be resubmitted should Wells Fargo reps use the same bogus form reply, mark it as duplicate, lie by attempting to state they can not reply due to litigation.. A fifth mediation request was denied, a letter was received on XX/XX/XXXX stating it was denied and referred to a check which was intercepted, cashed by a third party. This check appears to be a settlement offer made by XXXX XXXX to me in XX/XX/XXXX.  The offer amount, {$3700.00} was accepted pre-mediation, I later learned the offer was low-balled after speaking with several current and former Wells Fargo customers with lesser damages than myself. Since no payment was received, I've sent in additional mediation request forms and was recently contact by XXXX in mediation ... We spoke on XX/XX/XXXX, XXXX denied the offer was low-balled and did not offer any proof showing so, he also denied two additional facts which include the check forged and sustained damages including unable to open accounts with other banks due to information reported by Wells Fargo. A letter received that same day, XX/XX/XXXX, states information was removed from XXXX XXXX XXXX which was supposed to have been removed prior. As for the signature on intercepted check, XXXX attempted to state it is mine even though he is not a handwriting expert then contradicted himself stating I signed and cashed it into a Wells Fargo account ... The last account was closed with Wells Fargo in XX/XX/XXXX or XX/XX/XXXX, I believe. Second, I have not had an account with any bank since and have been using pre-paid accounts. Third, the limit for a check deposit with my current pre-paid account is {$2500.00}. The amount of check including estimated IRS taxes is {$5100.00}, I believe. Needless to say, it is impossible for me to deposit it. Wells Fargo rep by the name of XXXX XXXX was replying via CFPB portal and it appears another rep is now replying and still using a general form reply. This form reply states numerous attempts at resolution made, exhausted all efforts which is a lie. Neither rep has detailed one such attempt such as reaching out via phone, email, or otherwise ... I can assure the CFPB and any other third party Wells Fargo has made no attempts whatsoever. I have called their executive phone bank numerous times, reps attempt to refer me to one of the settlement sites in which case has nothing to do with Wells Fargo mediation program and is a run-around. It appears they are not at all familiar with mediation program and will not assist me by forwarding my information to someone who can. Since no payment was received and check appears intercepted by another party, signature forged, I request Wells Fargo remove information reported to IRS as I did not receive funds from check. Also, I need a mailing address to send notice of small claims suit since mediation request was denied.

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