Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

The lies and deceit from Wells Fargo are unending. It seems as though every other day they create financial fictions regarding me and my checking-related, Social Security XXXX account. 

It is grotesque in the way Wells Fargo abuses and steals from its physically weakest and poorest clients, such as myself. 

I still have my brain, my excellent education, all the time I need to devote and an absolute refusal to be defeated until my last breath. 

Wells Fargo has an established history of engaging in this exact financial fraud. 
It has an established history of engaging in financial fraud AGAINST ME PERSONALLY, for which it was forced to pay me compensation. I have definitive evidence of Wells Fargo 's current financial fraud against me. A multinational corporation ( XXXX ) has confirmed my statements and claims. 

This is the fourth complaint in less than one month. Each complaint is based in the previous one but they all have independent causes of action. 

My previous three complaints listed here contain the information and evidence relevant to this complaint. 

XXXX. Filed XX/XX/23 XXXX XXXX. Filed XX/XX/23 XXXX XXXX. Filed XX/XX/23 XXXX XXXX. Current complaint All previous complaints are identified as open but it appears that WF has already made decisions against me and plans to take back money - two XXXX charges - that were : A. wrongfully and falsely debited to my account B. then withdrawn - pending debits dropped off account ( Though the overdraft charge remained and WF later assigned that overdraft to an unrelated transaction. ) C. WF then reinstated those charges 5 days later. 
D. Then, in response to my complaints with the CFPB - the funds were provisionally credited. 
Evidence of all of the above is provided with the previous three CFPB complaints. 

Now - guess what- NOW THEY ARE REVERSING THEIR PROVISIONAL CREDIT - claiming I didn't provide a response to their request. 

WF made no such requests to me... And completely ignored the statements made by the merchant- for which I have provided evidence - that they never consented to these transactions. 

On Friday morning XX/XX/23, I received an early morning phone call and voice mail message from XXXX or XXXX- a WF Executive XXXX. I called her back during her working hours but she never returned my call- nor did she return my call today, Monday, XX/XX/23. 

That day, I received three separate envelopes in the USPS from WF stating that they needed more time to make any determination. No requests were made of me to assist them with their investigation. 
All of these will be attached as evidence. 

Two copies of the same letter - regarding CFPB complaint # XXXX ending in XXXX. 
Stated that they needed more time. 

It was signed by XXXX XXXX - Executive Specialist. 

Why is WF allowed for its employees and executives, even within a formal complaint process- to have their names hidden from the complainant? 

The other letter - regarding CFPB - complaint # 2 - ending in XXXX Also said they needed more time and was also signed by XXXX XXXX. 

Today, I received a letter from the Claims Assistance Center- WITH NO NAME OR SIGNATURE IDENTIFYING THE SENDER. 

It says, " We have completed our research of your inquiry about charges to your account. 
Because we did not receive information we requested from you, we based our decision on the information available. '' MORE LIES!!! 

No request for information or assistance was ever communicated to me in any form by Wells Fargo. 

It continues, " We found the charges were made by you or someone who had your permission., '' The two original transactions were never completed by XXXX 's system - meaning no product or service was ever purchased. 

In my previous complaints, I have provided definitive proof of this fact from myself and XXXX. It was only WF that put the charges through my account. 

The letter continues, " As a result, the provisional credit previously issued to you in the amount of {$380.00} will be deducted from your account ending in XXXX, 10 business days from the date of this letter on XXXX. Please consider your claim closed. '' So lets review the history of these charges : XXXX. 
XXXX - Two charges attempted to purchase XXXX services. Neither transaction is successfully completed by XXXX but WF debits both against my account. 
XXXX. Despite the charges still pending- I am assigned an overdraft fee. 
XXXX. Later, that overdraft fee us assigned to a previous ( XXXX ) transaction. 
( My earlier complaints provide definitive evidence that before and after the XXXX transaction they're were sufficient funds in my account. Only when WF improperly debited my account for the XXXX charges did it become negative. ) XXXX. The pending XXXX charges drop off my account in response to my complaints. 
XXXX. The overdraft fee remains. 
XXXX. Days later - WF reintroduced those same two XXXX charges- this time - providing falsified bank records stating that these charges cleared immediately on XXXX and were never in a pending state. 
XXXX. In response to my further complaints - these two charges are provisionally credited to my account. 
NOW - XXXX. I am notified by letter that despite many letters stating they require more time- they have already decided that either I made these charges or gave permission for them. This is despite my evidence from myself and XXXX stating explicitly, that neither transaction was successfully completed- so no service or product was ever purchased in these two transactions. 

WF goes on to LIE that they requested info from me and I didn't respond. 
WF decides to reverse the provisional credit, 10 days from now. ( Despite repeatedly stating they aren't finished investigating ). 

The letter asks me to contact them if I disagree with their decision but given their lie after lie and one falsified banking record after another - there is no finding an honest resolution with WF. 

So we have XXXX charges attempted but explicitly evidenced as not completed Nevertheless, XXXX. XXXX charges to my account XXXX. XXXX charges dropped from my account XXXX. XXXX charges put back in my account with the claim they were always there. 
XXXX. XXXX charges provisionally credited XXXX. Notice of WF intent to withdraw provisional credit and reddit my account from the original two XXXX charges. 

Enough is enough- the CFPB must step in Now before this insane fiction and deception and theft from my account can continue. 

All of this is simply too ridiculous. It strains all attempts at reasonable comprehension - fortunately I have and have provided absolute definitive proof of ALL OF THIS If your agency will not step in, then I must contact my senators and in particular, given the purpose of the CFPB, I must reach out to Senator XXXX XXXX 's office.