Consumer complaint received 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
b"These are the Dates, Amounts and the Actions that were taken by me. Wells Fargo did nothing but lie consistently with unknown & nonexistent employees that were being created with falsified identities, as in identity theft. They are not Corporate in the U.S. & they are only a third-party back office, known as global data, who only works in the XXXX  under Consumers functions. They are not allowed to make the decision on someones money when it has been Lost, Taken, Stolen & Vandalized due to fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAll actions that were taken so far will be listed in this PDF as well!\n\nThis document delineates the protections under banking regulations and insurance, while presenting a serious consumer complaint against Wells Fargo concerning alleged unauthorized charges, fabricated employee identities, and mishandling of investigations. The complainant underscores significant personal hardship and demands accountability and the restitution of misappropriated funds.\n\n Banking Protections and Insurance Limits: Deposits are insured up to $XXXX  per depositor per bank, with no insured funds lost since the establishment of the FDIC in XXXX Consumers bear zero liability for unauthorized electronic transactions under certain conditions, and banks are mandated to investigate claims within 10 business days.\n\n Allegations Against Wells Fargo: The complainant accuses Wells Fargo of fabricating employee identities, falsifying records, failing to complete timely investigations, engaging in deceptive communication, and mishandling missing funds despite regulatory involvement. Specific individuals mentioned include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  Personal Hardship and Legal Warnings: The complainant describes undergoing two brain surgeries during the dispute and issues stern legal warnings, including potential international charges and the involvement of authorities such as the FBI, FTC, and OCC, if the stolen funds are not returned.\n\n Demand for Accountability and Digital Banking Concerns: The complainant demands the return of $XXXX holds specific individuals accountable for alleged fraud and embezzlement, criticizes Wells Fargos handling of digital banking security, and intends to pursue charges against all responsible parties, including third-party associates.\n\nThese are the key actions by named individuals as highlighted in the document:XXXX XXXX XXXX.: Is a fabricated identity by Wells Fargo.XXXX XXXX XXXX Is a fabricated identity and created by using four different alias names by stealing the complainant's report and using that information illegallyXXXX XXXX XXXX  Carried the fraud over by the fabricated identity.XXXX XXXX XXXX XXXX XXXX XXXX: Carried the fraud over and is still the same person using different namesXXXX XXXX XXXX: Carried the fraud over and is the primary suspect in creating falsified acknowledgments that were deleted and overwritten several times. Also accused of stealing information and hiding it to evade the 60-day policy. The Consumers funds will be reimbursed $XXXX  $XXXX-. She is only a third-party vendor and does not get to make the decision on a Consumers FUNDS being stolen and misused.XXXX XXXX XXXX XXXX Carried the fraud over by switched identities on the false report.XXXX XXXX XXXX Carried the fraud over heavily and illegally by using a fake report and switching it over by this XXXX  character to take the position due to him being a nonexistent associate. Also accused of deceptive communication and lying to regulatory bodies.XXXX XXXX XXXX: Involved in creating a false OCC report using fake names, phone numbers, and addresses to avoid prosecution, which is why they turned it over to OCC for the third time to XXXX XXXX OCC reportXXXX18 U.S. Code 656, 1005.6, 1006.1, 1007.1, 1014 and 1344 is Bank Fraud\n\nThese individuals are accused of various fraudulent activities, including fabricating identities, falsifying records, and engaging in deceptive communication. He is working overseas and the U.S. by XXXX XXXX Engaging in the illegal activities that were performed by him, while communicating with the police, including the FBI, so all of the names listed above.\n\nThis will only take place if we cannot come to a mutual agreement that would be satisfying by both parties!"

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