Consumer complaint received 2020-01-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Our complaints against Wells Fargo Bank have been exhausted and reached a point of failure to process a customer complaint. This is my 5th filed complaint with your agency Consumer Financial Protection Bureau against Wells Fargo. We reported our customer complaint on XX/XX/XXXX of missing funds ( over {$45000.00} XXXX from our retirement savings account to the Wells Fargo XXXX XXXX bank branch. We reported unauthorized ATM withdrawals as our primary concern and requested a resolution from the bank on what happen to the missing funds and requested that the funds be returned for my monthly care. I need these funds. We left Wells Fargo bank hoping that our customer complaint would be honored and resolved in a timely manner. Today is XX/XX/XXXX. I am still missing my funds and Wells Fargo sends letter this letter ( attached ) that they do not acknowledge my missing funds from my account. Wells Fargo does not have any record of my complaint ( see attached ) or has investigated my complaint. Wells Fargo is the only agency that has no concern or business resolution. I have listed other case complaints and reports that confirm our customer complaint from XX/XX/XXXX to XX/XX/XXXX : ( No resolution for over 2 years ) ( XX/XX/XXXX ) We reported missing funds of over {$45000.00} from the account to the Banker. 
( XX/XX/XXXX ) The Banker confirmed the reported fraud activity. Never processed or issued a customer complaint case # record. 
( XX/XX/XXXX ) Unsatisfied with Banker services and Bank cooperation we filed Customer correspondence group grievance case # Case # XXXX ( XX/XX/XXXX ) Customer correspondence group confirms our Grievance Complaint and would work toward resolving this matter. No resolution for over 2 years. Still missing funds and no explanation. 
( XX/XX/XXXX ) XXXX Police conduct investigation ( Police report case # XXXX ) confirms that {$53000.00} missing from XXXX account completed XX/XX/XXXX ( no conclusion/ case closed ). 
*The XXXX Police recommended that we return to Wells Fargo Bank for an explanation and resolution. Wells Fargo has no record of our XX/XX/XXXX customer complaint or fraud activity according the Wells Fargo Operations Management attached letter XX/XX/XXXX ( We did not locate any claims filed for the transactions totaling {$45000.00} ). 
Consumer Financial Protection Bureau filed complaints CFPB Case # # XXXX submitted XX/XX/XXXX to Wells Fargo & Company CFPB Case # XXXX submitted XX/XX/XXXX to Wells Fargo & Company CFPB Case # XXXX submitted XX/XX/XXXX to Wells Fargo & Company CFPB Case # XXXX submitted XX/XX/XXXX to Wells Fargo & Company Federation Bureau Investigation ( FBI ) FBI IC3 Referral complaint form submitted to Wells Fargo XX/XX/XXXX Office of the Comptroller of the Currency ( OCC ) Case # OMB control # XXXX and Transaction ID # XXXX submitted XX/XX/XXXX to Well Fargo. 

In closing, The Wells Fargo banker that sat with us on XX/XX/XXXX collecting our information on our complaint for over an hour at the Bank Branch, then decided on her own to not file a customer complaint after we left the Branch. Since the Banker never filed or shared this information with any other bank agencies of the missing funds, The Operations management have No claims on this account over 2 years later. As customers of Wells Fargo for over 20 years, we are applauded and suffering financial hardship by these actions. This is unacceptable. We are requesting your help for the 5th time. Since this letter ( attached ), there has been very little activity from Wells Fargo because they did not document our complaint or investigate our claim since XX/XX/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 monetary relief