Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Case Number : XXXX Date Filed : XX/XX/year> Subject : FORMAL DEMAND TO REOPEN CASE XXXX ARTICLE XXXX FRAUD, BAD FAITH, EVIDENCE PRESERVATION, AND EMPLOYEE SANCTION REQUEST To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX & XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) ; Wells Fargo Bank , N.A . XXXX Department ; Wells Fargo XXXX XXXX ; XXXX Department of Justice ( for referral ) ; XXXX XXXX Sheriff ( law enforcement record ). 

I. STATEMENT OF FACTS ( DETAILED AND UNSUMMARIZED ) On XX/XX/year>, at approximately XXXX XXXX XXXX XXXX, an unauthorized wire transfer in the amount of {$24000.00} USD was executed from my Wells Fargo business account ( account ending in XXXX ). The wire confirmation number is XXXX. The unauthorized beneficiary was XXXX XXXX ( account ending XXXX ). 

On XX/XX/year>, at XXXX XXXX  XXXX XXXX, Wells Fargo system-generated emails show that delivery and notification preferences were changed, thereby disabling all electronic alerts and out-of-band verifications. These changes rendered the account defenseless and prevented any notification that an unauthorized funds transfer had been initiated. 

Forensic logs from my computer show outbound network connections to IP address XXXX ( XXXX XXXX XXXX United States ) and XXXX ( XXXX XXXX, Port XXXX ) within the exact window of the unauthorized wire. 

XXXX Defender Security Center recorded detection events and tamper logs Event XXXX XXXX, XXXX, XXXX, and XXXX showing that Tamper Protection and core security configurations were disabled. This proves that my machine was actively compromised by remote control at the time of the wire. 

Wells Fargo has falsely asserted in its written Final Resolution letter dated XX/XX/year>, signed by XXXX XXXX, XXXX XXXX XXXX XXXX, that : We can confirm there was a One-Time Password ( OTP ) code sent to your mobile device to process this wire. 
This statement is false, misleading, and materially deceptive, because all alert and OTP delivery mechanisms were disabled prior to the wire transfer. 

Wells Fargo closed the matter through its XXXX and XXXX Department, not its Legal Department, and therefore no determination under XXXX Article XXXX was ever made. 

Wells Fargo issued an internal tracking number ( XXXX ), misrepresented as a lawful UCC XXXX ( b ) trace. This internal reference number is not a legal trace and carries no standing under the XXXX XXXX Code. 

XXXX. LEGAL BASIS AND GOVERNING STATUTES ( CITED IN FULL ) UCC XXXX ( a ) and ( b ) Requires the bank to prove that its security procedure was commercially reasonable and that the bank accepted the payment order in good faith. 

XXXX XXXX ( a ) Requires the bank to refund the amount of any unauthorized payment order plus interest. 

XXXX XXXX ( b ) Defines trace and cancellation as legal instruments between banks ; such records must be initiated and verified under legal supervision. 

XXXX XXXX ( XXXX ) ( c ) Defines authorization as the customers intention to issue the payment order. Credential use alone does not meet this definition. 

XXXX XXXX Article XXXX governs exclusively all funds transfers. XXXX departments have no jurisdiction to close Article XXXX cases. Only the banks XXXX Department may adjudicate and respond. 

XXXX XXXX A bank can not misuse the finality or one-year preclusion provisions by closing a claim prematurely to extinguish customer rights. 

XXXX XXXX XXXX contract or duty within the UCC imposes XXXX obligation of good faith in performance and enforcement. 

XXXX XXXX ( b ) ( XXXX ) Defines good faith as honesty in fact and observance of reasonable commercial standards of fair dealing. 

XXXX U.S.C. XXXX XXXX prohibition against knowingly making false statements or representations in any matter within federal jurisdiction. 

XXXX U.S.C. XXXX Prohibits destruction, alteration, or concealment of records or documents to obstruct an investigation. 

XXXX XXXX of XXXX XXXX XXXX ( XXXX ) Mandates sanctions for failure to preserve electronically stored information relevant to litigation. 

XXXX. SPECIFIC BREACHES AND FINDINGS Intentional Misrepresentation to a XXXX XXXX and the Account Holder Wells Fargo knowingly or recklessly stated that a One-Time Password was sent, despite clear evidence that all notifications and OTP delivery settings were disabled prior to the wire. 

This constitutes a violation of XXXX XXXX ( lack of good faith ) and XXXX U.S.C. XXXX ( false statements ). 

Failure to Follow UCC Article XXXX Legal Procedure The matter was closed through the XXXX and XXXX Department, not the XXXX Department, in violation of XXXX XXXX and XXXX ( b ). 

Commercially Unreasonable Security Procedure Allowing a single user credential to disable all alert and XXXX notifications violates the standard of commercial reasonableness required by XXXX XXXX ( b ). 

Failure to Refund Unauthorized Wire Transfer Wells XXXX refusal to refund {$24000.00} violates the refund mandate of XXXX XXXX ( a ). 

Fabrication and Misrepresentation of Trace Documentation The internal number XXXX is not a legal trace identifier under UCC XXXX ( b ). Representing it as such is deceptive and violates XXXX XXXX and XXXX U.S.C. XXXX. 

Failure to Preserve and XXXX XXXX XXXX XXXX failure to produce the raw authentication, session, and system logs violates XXXX U.S.C. XXXX and XXXX XXXX ( XXXX ). 

Bad-Faith Case Closure Closing the matter within XXXX ( XXXX ) calendar days without legal analysis constitutes willful evasion of responsibility under UCC XXXX and UCC XXXX. 

IV. NUMBERED DEMANDS FOR ACTION ( MANDATORY AND NON-NEGOTIABLE ) Demand XXXX. Reopen Case : Pursuant to XXXX XXXX and XXXX ( b ), Wells Fargo Bank , N.A . must reopen the matter as a legal Article XXXX dispute under the supervision of its XXXX Department, not XXXX XXXX. 

Demand XXXX. Refund Obligation : In accordance with UCC XXXX ( a ), the bank must refund {$24000.00} USD plus accrued interest immediately or provide a lawful defense signed by legal counsel explaining why the refund is withheld. 

Demand XXXX. Full Record Production : Under UCC XXXX ( b ) and FRCP XXXX, Wells Fargo must produce within XXXX ( XXXX ) business days : Full Fedwire/SWIFT trace data for Wire XXXX. 

All audit logs, device identifiers, XXXX records, and alert-change histories for October 912, 2025. 

The name and title of every Wells Fargo employee who had access to or modified these records. 

Demand XXXX. Legal Department Certification : Under XXXX XXXX, only the Legal Department can certify compliance. A signed statement from Wells Fargo XXXX XXXX must confirm that XXXX now controls the matter. 

Demand XXXX. Employee Accountability : Pursuant to XXXX XXXX and XXXX U.S.C. XXXX, identify all employees involved in preparing, approving, or issuing the false statement about the XXXX delivery. Each must be suspended pending investigation and terminated if misconduct is confirmed. 

Demand XXXX. Preservation of Evidence : Under XXXX U.S.C. XXXX and FRCP XXXX ( XXXX ), certify that no evidence, email, or log file has been altered, deleted, or destroyed. Produce a chain-of-custody affidavit signed by XXXX XXXX data custodian XXXX 

Demand XXXX. XXXX and DOJ XXXX : Pursuant to XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX, the CFPB and XXXX must refer this matter to the Department of Justice for review of potential criminal conduct. 

Demand XXXX. Systemic XXXX XXXX : Under XXXX XXXX. XXXX ( Appendix A ), require XXXX examiners to investigate whether XXXX XXXX alert-disable functionality constitutes an unsafe or unsound practice. 

Demand XXXX. Written Legal Explanation : Within XXXX ( XXXX ) business days, Wells Fargo XXXX must provide a signed, notarized legal memorandum detailing : Whether an OTP was ever generated, queued, or transmitted on XX/XX/year>. 

Why the XXXX Department handled an Article XXXX claim. 

The statutory interpretation used to justify case closure. 

Demand XXXX. Immediate Regulatory Oversight Confirmation : Under XXXX U.S.C. XXXX ( FOIA ), I will obtain XXXX and CFPB XXXX records to confirm whether this complaint was logged and transmitted to Wells Fargo XXXX. Any delay, omission, or failure to forward will be treated as regulatory negligence. 

V. PRESERVATION AND SPOLIATION WARNING This correspondence constitutes a litigation hold. 
Any deletion, alteration, or failure to preserve responsive data constitutes obstruction under XXXX XXXX. XXXX and will be reported to the court. 

All agencies and parties must maintain these records under XXXX XXXX of XXXX XXXX XXXX ( XXXX ). 

VI. REQUEST FOR ENFORCEMENT AND DISCIPLINARY ACTION I hereby request : That the XXXX invoke its enforcement authority under XXXX U.S.C. XXXX ( b ) to compel XXXX XXXX compliance with UCC Article XXXX obligations. 

That the CFPB designate this submission as a new complaint titled UCC Article XXXX Legal Fraud and False Statement Case. 

That disciplinary action be taken against any Wells Fargo employee who knowingly misrepresented material facts to federal authorities. 

XXXX. XXXX XXXX, XXXX XXXX, declare under penalty of perjury that the foregoing is true and correct. 
All exhibits, screenshots, logs, and correspondence referenced herein are authentic and preserved under litigation hold. 

I demand full compliance, written certification from Wells Fargo XXXX, and immediate action by the XXXX and CFPB to enforce statutory obligations under UCC Article XXXX, XXXX U.S.C. XXXX, XXXX U.S.C. XXXX, XXXX U.S.C. XXXX ( b ), and FRCP XXXX ( XXXX ). 

Respectfully submitted, XXXX XXXX Managing Broker / Owner XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX ( XXXX ) XXXX | XXXX 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 explanation