Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has consistently failed to address whether or not an investigation commenced regarding a fraud claim that I filed by telephone ; speaking to two separate fraud representatives. They have stated in a response after I filed with the CFPB another complaint attempting to get some answers from them that they could find no file to research. The law states this : SECTION 1005.6 LIABILITY OF CONSUMER FOR UNAUTHORIZED TRANSFERS 6 ( b ) ( 5 ) Notice to Financial Institution. Content of notice. Notice to a financial institution is considered given when a consumer takes reasonable steps to provide the institution with the pertinent account information. Even when the consumer is unable to provide the account number or the card number in reporting a lost or stolen access device or an unauthorized transfer, the notice effectively limits the consumer 's liability if the consumer otherwise identifies sufficiently the account in question. For example, the consumer may identify the account by the name on the account and the type of account in question.

This bank did not follow Regulation E Provisions and they have broken the law by not following provisions of the law. The CFPB is said to have the authority to enforce Regulation E, yet this is blatant disregard of the law. Wells Fargo uses my complaints against me by stating that they are duplicate complaints already addressed, but that is a lie. Wells Fargo has NEVER addressed whether or not an investigation commenced. I provided them proof of the fraud in person to a branch manager. They closed my account pending resolution ; didn't provide provisional credit ; didn't send me anything in writing nor did they complete their investigation in time. They have given me contradictory information regarding this topic, and they should be investigated. I am in the process of finding an attorney to represent me and I am also calling every news channel and/or other outlet to promulgate their actions regarding this matter. I can prove that I filed a claim and that they knew of it. This bank and it's employees that I've corresponded with regarding this situation are unethical liars and I hope that they are all held accountable for their deceit. They have violated their own policies and by doing so, have left me helpless to remedy the situation on my own. This bank deserved no bailout. It is well known for making victims of its customers, and I am a shining example of that. I hate you Wells Fargo. You are heartless and greedy and your practices are discriminatory and most definitely illegal. SHAME ON YOU WELLS FARGO. SHAME ON YOUR DISHONESTY AND YOUR DISHONEST EMPLOYEES. LOOK AT THE COMPLAINTS FILED AGAINST THIS BANK AND THEN YOU'LL GET A GOOD PICTURE OF HOW THEY REALLY TREAT THEIR CUSTOMERS. THEY LIE. THEY STEAL, THEY DECEIVE AND APPARENTLY THEY GET AWAY WITH IT. SO MUCH FOR CONSUMER PROTECTION. IT'S ALL XXXX ; XXXX THE LAW ALSO STATES THAT I CAN REASSERT MY CLAIM AND SO I DID CONTACT A PERSONAL BANKER IN XXXX AT XXXX XXXX XXXX XXXX, AND OFFERED UP WHAT PROOF I STILL HAD LEFT AND EXPLAINED TO HER THAT I WANTED TO REPORT FRAUD ON MY CLOSED CHECKING ACCOUNT IN XX/XX/XXXX. I BELIEVE THAT IS NOTICE OF ERROR ACCORDING TO REGULATION E. NEVERTHELESS, I AM DOING SO NOW. WELLS FARGO HAS BEEN LOOKING INTO THIS MATTER FOR OVER A YEAR SO THIS SHOULDN'T TAKE TOO LONG TO RESOLVE. THEN I WILL HAVE ONE YEAR TO SUE THEM SHOULD THEY DENY MY CLAIM OR FAIL TO FOLLOW ANY PROVISIONS OF REGULATION E. 
LET THIS BE NOTICE THAT BETWEEN THE DATES OF XX/XX/XXXX THROUGH THE END OF XX/XX/XXXX, THERE WERE SEVERAL TRANSACTIONS WHICH WERE FRAUDULENTLY TAKEN OUT OF MY CHECKING ACCOUNT ENDING IN XXXX, INCLUDING TWO TRANSACTIONS EQUALLING XXXX XXXX DOLLARS, A XXXX XXXX DOLLAR WITHDRAW, AND SEVERAL WITHDRAWS AT VARIOUS CASINOS WHICH I HAVE PROVIDED PROOF OF TO THE XXXX BRANCH MANAGER ON XXXX  XXXX XXXX IN XXXX. THAT PROOF WAS RECORDED CONVERSATIONS BETWEEN UNKNOWN INDIVUALS WHO HAD VICTIMIZED ME STATING THAT THEY HAD " ALREADY GOT $ XXXX OF MY SOCIAL SECURITY MONEY '', AND THAT THEY " GOT $ XXXX AS SOON AS ( I ) GOT ( MY SOCIAL SECURITY AWARD ) '', AND THAT ONE OF THEM WANTED HIS " $ XXXX '', THAT HE ALLEGED I OWED HIM AND THAT HE WAS GOING TO UTAH ONCE HE GOT IT. THEY ALSO ASK IF I HAD BROUGHT THE MONEY WITH ME, AFTER ASSAULTING ME IN MY VEHICLE AND THAT IT WAS IN THE GLOVE BOX. THEY STATE {$15000.00} WAS SUPPOSED TO BE THERE, HOWEVER THERE WAS $ XXXX MISSING AND THEY THOUGHT " XXXX TOOK IT : '' THAT PROOF WAS FIRST GIVEN TO MS. XXXX. THE BRANCH MANAGER CONFIRMED HE RECEIVED IT AND SENT IT TO FRAUD ON MY BEHALF. I HAD A WITNESS WITH ME ON THAT OCCASION WHO WILL TESTIFY THAT THE MANAGER STATED SUCH. WE SET AT THE FIRST DESK TO THE LEFT OF THE LOBBY DOORS AFTER SITTING IN TWO OF THE CHAIRS POSITIONED JUST TO THE LEFT OF THE DESK WE ENDED UP AT. THE MANAGER PRINTED OUT THE STATEMENTS FROM XXXX AND XXXX WHICH IS HOW I KNOW OF THE AMOUNTS, BUT I DO NOT HAVE COPIES OF THOSE AND SINCE MY ACCOUNT WAS CLOSED I HAVE NO MEANS TO HAVE THEM. 
I TRIED TO REASSERT THIS AT THE BRANCH IN XXXX XXXX IN XXXX AS I MENTIONED, TO A BANKER NAMED XXXX. SHE WAS VERY WILLINIG TO ASSIST ME, HOWEVER THE BRANCH MANAGER STATED THAT SHE COULD NOT ASSIST ME WITH ANYTHING OTHER THAN FORWARDING A POLICE REPORT TO FRAUD. THAT MEETING TOOK PLACE ON WEDNESDAY XX/XX/XXXX. I BELIEVE THAT THAT COUNTS AS NOTICE GIVEN ACCORDING TO REGULATION E. XXXX GAVE ME PERMISSION TO SHARE WITH FRAUD THAT SHE DID IN FACT SPEAK WITH ME REGARDING THIS MATTER AND I ALSO RECORDED THE MEETING, FOR THE RECORD.