Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: GA
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:
Subject : Urgent Action Required : Escalating Fraud Case Involving My Account - Request for Reevaluation To Whom It May Concern, I am writing to express my deep concern and frustration regarding the recent handling of a significant fraudulent incident involving my Wells Fargo account. My trust in the bank 's commitment to customer security and financial well-being has been shaken due to the manner in which this matter has been addressed. 

On XX/XX/2023, I discovered that my account had been subjected to unauthorized transactions totaling approximately {$4000.00}. These transactions were executed by XXXX XXXX, my birth mother, without my knowledge or consent. The gravity of this situation is further exacerbated by the fact that these unauthorized transactions occurred between XX/XX/XXXX and XX/XX/2023, while I was incapacitated and unconscious, making me an unwitting victim of this crime. 

Immediately upon discovering this breach of security, I reported the matter to the Wells Fargo fraud/customer service team XXXX I provided comprehensive evidence, including official letters and a police report, outlining the circumstances surrounding the fraudulent activities. I was assured that a thorough investigation would be conducted, and a resolution would be communicated within XXXX business days. In the interim, I was promised temporary credit to alleviate the financial burden. 

Today, on the XXXX business day since filing my complaint, I contacted Wells Fargo to inquire about the status of the investigation. To my dismay, I was informed that a decision had been made to deny the existence of fraud in this case. This conclusion is disheartening and perplexing, as the evidence I have presented is compelling and substantiated by legal documentation. 

I believe that Wells Fargo 's response fails to reflect due diligence and the bank 's commitment to customer protection. The evidence I provided should have prompted a thorough examination of the situation and a just resolution. It is apparent that my concerns have not been adequately addressed, and the integrity of my account remains compromised. 

I implore Wells Fargo to revisit this case with the utmost seriousness and commitment to justice. I am willing to cooperate fully with any additional steps required to establish the truth behind these unauthorized transactions. It is my sincere hope that you will conduct a comprehensive reevaluation of the evidence and make a fair and unbiased determination. 

Furthermore, I remain resolute in my pursuit of accountability and justice. I have taken the necessary steps to confront XXXX XXXX and have filed an official police report against her for her unlawful actions. My resolve to ensure her accountability for this crime is unwavering. 

In conclusion, I kindly request that Wells Fargo acknowledges the legitimacy of the fraud I have reported and promptly reverses the unauthorized transactions that have caused significant financial distress. I believe in the bank 's commitment to its customers and its responsibility to uphold their financial security. 

Please consider this matter with the urgency and gravity it deserves. I look forward to your prompt response and a resolution that restores my confidence in the Wells Fargo banking experience. 

Sincerely, XXXX XXXX

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