Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX my card and phone was lost or stolen. I disputed the filed a dispute on 2 transactions that were done the following day which totaled over {$2200.00}, to my surprise they both were denied and XXXX, have assured me that I made both of those transactions, but XXXX Team is incorrect. I have tried to reopen the dispute that was closed the day of their decision, but they have refused to reopen either claim even with me giving them new information that my cards pin may had been compromised because of a online bank who card i also had in my wallet has my pin number on their card and didn't realize this until they recently resent me their card along with other cards that were inside my wallet and I only used my birth date which i know that is not the thing to use during these shameful times. During my acknowledgement of XXXX XXXX XXXX leaving the pin on their card, I assumed wells had valid information for their accusation, which that state it was me that made the transaction in another city on XXXX that is incorrect... What's even more hilarious is they state on XXXX i deposit XXXX into my {$0.00} balance account at XXXX, and then they state I with drew XXXX at XXXX on XXXX and I also withdrew XXXX at XXXX on XXXX in a city I do not live in. and they say they have camera footage of me and they are commuting fraud, with their accusation, because number one the timeframe please read it carefully that is a error ... also, I do not go to XXXX, I live in XXXX which is XXXX hours away, they obviously think all XXXX Americans look alike, and this needs to be corrected, before word gets out on social media that Wells Fargo makes false accusations, and they do not investigate fraud properly. Because there is no way i should not have been allowed to re-dispute this claim, I cant wait to see who they claim is me getting money out of a ATM in another city. 
XXXX I received a call from the Case Specialist " XXXX XXXX XXXX XXXX XXXX XXXX '' about the dispute/claim I filed on XX/XX/12, who stated and assured me on a recorded call that I my account would not go into the negative until she was finished a 2 day research for fraud, supposed to finish on XXXX, instead on XXXX my account read- {$2000.00} which they never researched and they took what little i had that was in the account, she told a lie for this bank that will probably fire her within a year, fraud is on my account and it was never researched in 2days because the XXXX went on my account at XXXX XXXX and she called me at XXXX on XXXX so she never researched it, their whole agenda was to take what i had in the account, and she said it didnt saw nowhere were they going to put that balance on my account on that date and she acted like she was sure it was not going on the account until her research but obviously it wasn't researched., because the balance went on there the next day, yet she will call me on XXXX never researching and say we are sorry to inform you that those transactions were transactions you made, which is a XXXX lie. I already have it figured, I cant believe they are allowed to do this. They were about to close when she called me so it was never researched. Then the bank just basically can lie and add any amount to your account and we have to get an attorney to clear it up and that is not right that will cost them the amount owed on my house if we have to go through that process because they lied and they are the XXXX dollar business. She only had 12hrs to research it and they were closed, errors are all on my account that should be removed but they haven't they even failed to research it, they are just charging me for transactions that I did not create, and they also have me depositing XXXX at XXXX and withdrawing XXXX at XXXX from a account that started with a {$0.00} balance which is an error and I should not be charged for any of this fraud the bank has created, also they deny any claim that I benefit from but they allow all claims that they benefit from ... .because i even deposited XXXX into the atm and they never did add that to my balance ....

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