Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

THIS IS AN ONGOING ISSUE RE COMPLAINT ID # XXXX. Here is the most recent letter content ( redacted for privacy ) being sent to Wells Fargo Bank today. 

XX/XX/XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Case Number : XXXX Office of the Comptroller of the Currency, case number XXXX Dear Madam/Sir : I am in receipt of your letter dated XX/XX/XXXX. I find it interesting that in the caption of your letter you only referenced account ending in ____ which is the checking account listed in my name only. Need I remind you that I am also listed on joint accounts ending in XXXX and XXXX according to the bank statements that Wells Fargo furnished to me in XX/XX/XXXX? 

Regardless, what I am seeking is information on all accounts referenced in my XX/XX/XXXX letter since it was Wells Fargo that opened XXXX XXXX by sending me a bunch of bank statements that did and some that did not have my name on them back in XX/XX/XXXX. Also since ________ has committed several ( alleged ) financial crimes based on the evidence I have seen in these bank statements and with regard to payroll earnings attached to my name and the fact that in my review of the bank statements Wells Fargo has sent to me, that he was clearly moving money in and out of all accounts, I should be entitled to all of the evidence in order to support my family law case, the civil and criminal matters against XXXX as well as my innocent spouse claims filed with both the IRS and Franchise Tax Board . 

As with every boiler plate letter I have received from various people in your office over time, it appears to me that no one is really addressing the issues raised nor paying attention to the facts or your office would have complied with my requests for all information. Just to make mention of the few things you referenced in your letter, as I stated in mine dated XX/XX/XXXX : WITHDRAW SLIPS- out of XXXX ATM cash and in branch/in store withdraw transactions, Wells Fargo has only XXXX XXXX withdraw slips so XXXX are still missing. Send them. 

DEPOSIT SLIPS ( E-DEPOSIT ) - out of XXXX E-Deposit transactions, Wells Fargo has only sent XXXX E- Deposit slips so are still missing XXXX. Send them. 

DEPOSIT SLIPS ( ATM, IN BRANCH/IN STORE ) - out of XXXX ATM/In Branch/In Store Deposit transactions, Wells Fargo has only sent XXXX Deposit slips so are still missing XXXX. Send them. 

CHECK COPIES ( PERSONAL ) out of the XXXX checks written between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo has only sent XXXX so XXXX are still missing. Send them as some very large denomination checks were written by Mr.________ and since he was stealing my payroll income and pre martial monies and then moving money around accounts he was governing, I need to see all checks he wrote including but not limited to the following specific checks : # XXXX. {$26000.00} # XXXX {$25000.00} # XXXX {$22000.00} # XXXX {$16000.00} # XXXX {$10000.00} CHECK COPIES ( PAYROLL ) - out of XXXX paychecks, Wells Fargo has only sent XXXX so XXXX are still missing. Send them. 

With regard to account opening documentation, you have sent me the same signed application forms relating to my daughters _______and _____________ and as I have already stated in my XX/XX/XXXX letter, I do not recall being present to open these accounts ( ending in____, XXXX, XXXX and XXXX ) and I have requested video evidence to prove to me that I was present but aside from that, it is my understanding with the research I have done, that Wells Fargo Bank is not allowed to open checking accounts for minors, so explain to me why your employees allowed a teen checking account to be opened for each of my XXXX daughters ( accounts ending in XXXX and____ ). Their correct dates of birth are listed on these forms so given that these accounts were apparently opened on XX/XX/XXXX, ______ would have been XXXX and XXXX__would have been XXXX years old at the time. Also, if you look on each application form, you will see that the space for MINOR in the New Account Information section was left blank. Why would that be? 

Furthermore, your office has failed to produce this documentation that I referenced in my XXXX XXXX letter : COPIES OF ALL OTHER DEPOSIT TRANSACTIONS send me copies of all generically coded as DEPOSITS by way of cash or otherwise adding up to the {>= $1,000,000} in deposits that Mr._______ made between XXXX. There are also some DEPOSITED OR CASHED CHECK entries on my account ( ending in_____ ) but I never deposited nor cashed any __________ paycheck myself ever during our marriage so has anyone at Wells Fargo investigated this? Refer to XXXX, XXXX and XX/XX/XXXX. 
COPIES OF ALL CASHIERS CHECKS -Wells Fargo only sent me one. Send me copies of all of them issued from XX/XX/XXXX onwards. 

RECORS OF ANY FRAUD REPORTED ON ANY ACCOUNT- from XX/XX/XXXX onwards BANK STATEMENTS -from XX/XX/XXXX onwards for accounts ending in : **** business checking ****- preferred checking ****- business checking ****- business savings ****-savings ****-savings ****-savings ****-custom management ****-unknown account type BANK STATEMENTS for the following : XXXX XXXX for account ending in__XXXX XXXX through XX/XX/XXXX for account ending in XXXX *XXXX  through XX/XX/XXXX for account ending in XXXX XXXX through XX/XX/XXXX for account ending in XXXX *XXXX  through XX/XX/XXXX for account ending in XXXX XXXX through XX/XX/XXXX for account ending in XXXX FORM XXXX provide me all of them dated XX/XX/XXXX onwards Your office has also failed to answer my XX/XX/XXXX letter or my XX/XX/XXXX or XX/XX/XXXX letters relative to my questions, comments and complaints raised. Address all of these issues and send me your response. Another copy of said letters are attached but here are some bullet points extracted from those letters as to the issues : *no auditing or flagging of Mr.___XXXX 's accounts with third parties regarding possible money mule activities WHY? 
*no auditing or flagging or reporting to the IRS and FIN CEN ( by way of Form XXXX ) regarding possible money laundering, tax evasion and/or other criminal activities from the constant and for the most part daily and multiple transferring of thousands of dollars ( and collectively over time it was hundreds of thousands of dollars ) in this umbrella of XXXX bank accounts that Mr._____ was self-managing and self-governing, including the accounts that just had my name on it. WHY? These transfer activities led Mr._______to steal all of my payroll earnings ( XXXX XXXX collectively in 9 years ), my pre marital home equity monies ( equating to XXXX ) and my XXXX now adult childrens college funds and savings ( collectively XXXX ). 

*Why do some E-Deposit transactions have Mr. _______s debit card number attached and others only have the last 4 digits of the account that the money was going into?

*Why did Wells Fargo not confirm and compare the endorsement signatures on all of my live paychecks being cashed in part, in whole or deposited? All but 2 paychecks you have sent me copies of thus far have been forged and that is clear between the fraud endorsement signature and that of the signature card you have on file. Same thing with third party checks that were payable to me, fraudulently endorsed.

*Why did no Wells Fargo Bank employee question Mr._____ at the time he was making partial deposits or full cashing of my paychecks? We are talking about over 2 million dollars here in reported payroll earnings so Wells Fargo needs to answer to this as their employees were allowing Mr. _________ to commit multiple financial and identity theft crimes without question.

*On the subject of personal checks noted on the bank statements you have produced to me thus far, some of the personal checks do not have check numbers listed, Why?

a ) There are multiple checks that have the same check numbers. What reason would there be for this?

b ) Why would most of the checks be totally out of sequence?

c ) Why are some check numbers used repeatedly for different amounts on different dates? What would the purpose of that be using the same check numbers over and over again and why would this not be something that Wells Fargo did not catch or flag as suspicious?

d ) On the subject of debit cards, why did Wells Fargo not catch or red flag that there were more than one debit card listed under my name being used at the same time? I only had one card at any one time and in very early XXXX onwards I did not have any debit card at all. 
( cards in question ending in XXXX, XXXX, XXXX, XXXX and XXXX ). Either Mr. ______ had a clone debit card made or there was never any fraud on any account like he had told me every time a new card number changed and he just wanted my previous card to use or to allow someone else to use. Why did Wells Fargo never question any of this? Have you investigated the matter? 

Please answer my questions and furnish me with the rest of the information and documentation I have requested numerous times since XX/XX/XXXX and do a deep dive investigation into the issues I have raised. From my research, it appears that Wells Fargo Bank has a long history of conducting multiple illegal, unethical and systemic fraudulent business practices all over the nation for many years. In my case, any one of your employees could have stopped my enormous financial losses between XXXX by following what should have been proper procedure and bank protocols and they did not. Instead, your employees for whatever reason, allowed Mr. ______ to commit the multitude of white collar crimes that he did and stealing my identity also. Wells Fargo Bank breached their fiduciary duty to me and must be held accountable for their actions. 


Sincerely, cc : Office of the Comptroller of the Currency cc : Federal Reserve Board cc : Federal Deposit Insurance Corporation cc : Consumer Financial Protection Bureau