Consumer complaint received 2022-08-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
# 1-WellsFargo : displayed repeatedly my full complete social security number as a routing/receipt/transaction number for every Stimulus Deposit I was sent throughout all of covid. When I asked for the print out of my statements and transactions from the teller, it was 100 % clear, present, understandable and obvious that it was my social security number under the description of the direct deposit. Not only does every single employee at every single wellsfargo branch have access to any single persons account ledger, but every single citizen basically received a stimulus/tax/unemployment payment, at which improper routing strings were used ( an individuals full social security number versus a XXXX numeric string protecting sensitive data ) leaving millions of peoples socials now exposed to anyone who works at the thousands upon thousands of branches GLOBALLY. 
Upon noticing, I flagged the severity of this, speaking with the in branch manager, also over the phone with corporate managers which escalated the case, and via chat emails, but nothing was resolved, especially being there was an ENOURMOUS AMOUT OF FRAUD HAPPENING SINCE XXXX  XXXX already. 
-the most alarming incident was in XX/XX/XXXX, I was awoken by my phones email notification ; an alert came through from Wells Fargo XXXX ; saying my contact details were changed, showing a new email address and a new telephone number was just updated. The phone number was not mine, and never mine, and neither was the email. I called wellsfargo at XXXX when I woke up, and actually read the email, and spent 4 hours on the phone. I was redirected to 8 diffrent people, the third person I spoke to; was a manager, and said ; that under investigation she could see that an employee changed it whom works in the card processing and terminal division ; and she would have no clue and not any understanding how or why they would be privledged to do this. After being so frustrated and getting no where I hung up and called back later that day and then the following day went into the branch. My account was changed once again ; and we got no where. At this point I have had upwards of {$40000.00} moved out of my account paid to numerous credit cards and banks, password resets, miscellaneous charges, numerous conversations, emails, attempts for wellsfargo to stop payments from leaving my account. In XXXX XXXX they closed my online banking and the credit card payments out have ceased. But still in XXXX, XXXX one month was paid out over {$8000.00}. XXXX, wasnt even the real company the payments were made to- traced to an XXXX bank called XXXX. I contacted XXXX  hundreds of times ; set up phone calls back, none were returned. They have no locations and you get no where with them. They have failed in totality ; except for scamming individuals, which will be my next complaint with their false advertisements of {$0.00} fees and no commission trades which is bogus, and I wouldnt even care, but the fine print is necessity in todays banking reform. 
-to elaborate on the amplitude of payments siphoned from my checking account WellsFargo, each month by the thousands, XXXX $ being with drawn from my checking account and paid to my credit card account companies, XXXX, ****by which I NEVER ENROLLED, SIGNED UP FOR, or USED BILL PAY**** in XXXX example XXXX XXXX was paid almost {$18000.00}. The card was paid in full prior to the payments being made ; only a few here or there minimal transactions were made but I paid that through the XXXX XXXX ; and saw the transactions a few hundred to {$1000.00}. But, wellsfargo, billpay, paid out {$18000.00} XXXX $ XXXX XXXX, XXXX {$12000.00} XXXX, etc XXXX XXXX XXXX {$29000.00} >wellsfargo credit card transfer within the app from checking to credit card account {$7000.00}, but wellsfargo put my credit card into collections and yet I didnt even make any purchases on the card and if I did ; I paid it, but the collections is for {$5000.00} now, yet they paid them selves {$7000.00} plus! 
Payment were made to these companies, which I didnt authorize, or know about. My login information was constantly being wrong password and the app was down for maintance. 
and the companies closed all my credit card accounts. For failure of payment, apparently, when infact there was no purchases made on the cards. On top of it all, the card companies like listed above, reported that I never made a single payment to them from mid XXXX, through currently, so each account is delinquent and in collections, for {$260.00}, {$700.00}, {$4000.00}, so on, all due to fees, accrued over the last year and a half. Each credit reporting agency has been unable to verify my information and doesnt release a credit report to even begin analyzing what the delinquent balances now are from wellsfargo failing to actually pay the payments they with drew from my account constantly every month, with a routing number/XXXX  transfer number, on statements, showing the debit and showing transaction. 
How XXXX wellsfargo show a withdrawal on my statement of my checking account, transferring the money to my wellsfargo credit card ( paying it more than in full, yet then put that credit card into collections, for failure of payment with a balance of {$5000.00}? When infact they have the transaction of them paying themselves? Not only that, they mislabeled the fraud that occurred- like XXXX XX/XX/XXXX for {$1700.00} - labeled it as XXXX. Which is ludacris, because {$10000.00} was available for withdrawal and use in the checking account? How would it be flagged for XXXX? It wasnt even a real XXXX purchase ; I had a new iphone at the time from at and t, i never used XXXX. And they posted that change 3xs. So it was almost a {$7000.00} payment to XXXX that I was stuck with. Then there was stamps.com, for XXXX, XXXX, XXXX, XXXX they labeled as XXXX ; which it was clearly an overseas transaction they themselves flagged. The XXXX.bill charges were upwards of {$6000.00} and I never even bought an app or used XXXX XXXX or sent money, and the list goes on and on. No answers. I called them crying repeatedly, went to two local branches ; which was difficult since they were mostly closed since covid, I had to wait for in person meetings till months later, but I questioned how and why, these payments can be continously made from my account and cant they stop automatic payments, or block payments to people/companies, they said no. Turns out ; its law, yes, the consumer has a right to block reccuring charges, and and end any that were ever initiated. My rights have been violated, the lack of empathy, follow up, care, and customer satisfaction ; are absolutely zero within major banking chains, its amazing how the XXXX system will flag something completely false like XXXX  with substantial monies present, but it wont flag 11 debits to XXXX XXXX which was an ACH debit and not even XXXX XXXX legal name, with a random code of XXXX as the Refrence number? And NO ONE NOTICED THE REFRENCE NUMBERS WERE PEOPLES SOCIAL SECURITY NUMBERS? In full! Over 8 times in a row! Every single Child Care Credit, STIMULUS PAYMENT, had it, anything tax related or treasury deposit, included it. And every employee has access to pull up the itemized statement to any single customer GLOBALLY. 
I changed my account number 7 times? The card numbers 16 times, but I cant change the print out of the banks actual in house cloud, customer data. This is a major violation and A SERIOUS ONE. No wonder why an employee changed my login credentials and two step verification method - phone number text, to an unknown number, probally one they could have got the message number code sent to, with my social, and billpay somehow at some time activated with out my consent, they could access all my accounts- because they had the account numbers ; card companies information ; social security number ; date of birth, my vital information, for everything! They knew I was receiving PUA ; my TAX INFORMATION AND IRS ACCOUNT NUMBERS! My medical information and EVERYTHING! THis is for ANY CUSTOMER FOR WELLSFARGO TO BE MADE AWARE OF! Your social is viewable to all employees that have access to the computer network.

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