Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

Consumer Financial Protection Bureau ( CFPB ) Federal Bureau of Investigations ( FBI ) XXXX XXXX XXXX ( XXXX ) I request to file a complaint against Wells Fargo Bank for allowing fraud to occur with our checking account. Note ; the federal government deposits funds into this account each month! Now, we have had multiple issues with Wells Fargo Bank. Around the year XX/XX/XXXX, we had a mortgage on our previous property located at XXXX XXXX XXXX  XXXX XXXX Nevada XXXX with XXXX XXXX  ( loan # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX. Please see attached documentation! On a Friday, I deposited my payroll check into Wells Fargo Bank. Then, we wrote a check to XXXX XXXX  for our mortgage. We were notified by XXXX XXXX  that our check was returned for Non sufficient funds ( NSF ). We contacted Wells Fargo Bank and found that they put my payroll check into someone elses account which caused my mortgage payment to be not paid. Then, Wells Fargo corrected the issue but XXXX XXXX said that they would not accept any more checks from us and that we needed to pay by cashiers check or money order! 
Then, on XX/XX/XXXX, Wells Fargo Bank sent us a letter stating, on XX/XX/XXXX ( reference # XXXX ), we process an ATM deposit of {$1500.00} to your account XXXX. The deposit amount entered at the ATM was {$1500.00} but the actual amount received in the envelope was {$0.00}. As a result of this difference, we have debited your account {$1500.00}. Please see attached letter. Then, on XX/XX/XXXX, one day later, Wells Fargo Bank sends us another letter ( reference # XXXX ) stating ; recently we processed a deposit of {$1500.00} to your account XXXX. An adjustment of {$1500.00} posted to your account ; however, this correction was in error and has been reversed. Please accept our apologies for any inconvenience this may have caused. As a result of this reversal, we have credited your account {$1500.00}. Please adjust your records to reflect this change. Please see attached letter! We were having issues with Wells Fargo and Wells Fargo kept charging us NSF charges. 
Then, on XX/XX/XXXX, a fraudulent electronic check ( check # XXXX ) went through our checking account ( XXXX ) and Wells Fargo Bank paid the check! This check was payable to XXXX XXXX XXXX XXXX. Please see check image. Note ; we did internet research on XXXX XXXX XXXX XXXX and this company does not exist. I even contacted a company that the name was similar to this company and they said that they received a lot of calls regarding bank fraud from this fictitious company! I then notified Wells Fargo Bank regarding what I learned and they said that they made a note of it! Then, on XX/XX/XXXX, we called Wells Fargo Bank regarding this check fraud. Wells Fargo stated that they will open a fraud case and freeze our account. Wells Fargo further stated that we would need to open another account and transfer our automatic bill pay and direct deposit to the new account. Wells Fargo Bank asked us what is coming out of our account and I stated XXXX XXXX XXXX XXXX, XXXX and XXXX with amounts. Wells Fargo stated to throw away our checks and no check would be cashed on our frozen account! Wells Fargo Bank filed the fraud claim regarding this check because we never gave our information to this company nor did we authorize this check in the amount of {$29.00}. 
On XX/XX/XXXX, Wells Fargo Bank credited our account for this check fraud claim. Please see our bank statement printed on XX/XX/XXXX. 
Then, we were about to open another account when we were told not to open another account in Wells Fargo Bank because it may be a breach in there system as XXXX XXXX had and that we may have the same issue. Per our bank statement, on XX/XX/XXXX, we received another electronic check ( check # XXXX ) that went through Wells Fargo Bank without our authorization. This check was written on XX/XX/XXXX to XXXX XXXX XXXX XXXX in the amount of {$30.00}. This time, I caught the fraudulent check before Wells Fargo Bank paid it as Wells Fargo Bank did with the previous fraudulent check. Please see attached fraudulent check with bank statement! I went into the Wells Fargo Bank branch located at XXXX and XXXX here in XXXX XXXX Nevada. I spoke with XXXX XXXX regarding this issue. He called Wells Fargo Bank and spoke with the fraud department. Wells Fargo Bank filed another fraud complaint and I requested a phone call from the fraud department regarding this issue. A couple days later, Wells Fargo Bank fraud department called me on my cellular phone. They stated that they reversed the charges for the fraudulent check. I asked her why Wells Fargo Bank allowed the check to post to our account when our account was frozen on XX/XX/XXXX. She said she didnt know why. I asked her if Wells Fargo Bank is going to contact the police department or the FBI regarding this fraudulent banking issue and Wells Fargo said no, that we can go and file a police report ourselves! That was when I stated that I will file a report/complaint against Wells Fargo Bank along with the companies or persons that are committing the bank fraud! 
Now, in order to get a free savings account, we had to have an automatic transfer each month. We chose to have {$25.00} each month go to our savings account. When Wells Fargo Bank froze our checking account, Wells Fargo Bank was not able to transfer the {$25.00} from our checking account to the savings account. Wells Fargo Bank charged us {$5.00} each month on XX/XX/XXXX and XX/XX/XXXX! Please see attached bank statements regarding these charges! Wells Fargo Bank should have never charged us due to the circumstances. We have been a member of Wells Fargo Bank for over 20 years. We closed our account with Wells Fargo Bank on XX/XX/XXXX since Wells Fargo Bank failed to protect our money in their bank and failed to go after these people or companies that committed bank fraud! 
The facts are ; Wells Fargo Bank failed to address this issue correctly. Wells Fargo Bank made us believe that our funds in our bank account were secure after our account was frozen! Wells Fargo Bank will not admit that their computer system had a breach because if they did admit it to government agencies, it may get out to the public and the people may close their accounts due to the issues that just occurred with us! Wells Fargo Bank charged us unnecessary fees and caused banking issues in the past which Wells Fargo Bank must be held accountable for their action. 

We request that the CFPB forwards this complaint over to the FBI, the attorney generals office, the Office of the Comptroller of the Currency ( OCC ) and any other agencies that govern NA banks! We request action taken against Wells Fargo Bank for abuse and these companies/people for bank fraud. 
Wells Fargo Bank along with these companies/people must be held accountable for their actions including but not limited to the following ; fines being imposed, loss of business license, criminal charges filed, incarceration, lawsuit, and compensation to us which we are victims of bank fraud!