Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The following events occurred on the same day : XXXX, XX/XX/XXXX, unless otherwise specified. 

Dear, Consumer Financial Protection Bureau ( CFPB ) XXXX and Team Members, I ask that you please read and consider the following events that transpired and happended to me on XXXX, XX/XX/XXXX, where these events were fraudulent circumenstances, where I was exploited measurements of fear and deception. 

Thank you in advance for condisering my CFPB case and the resolution I think Wells Fargo bank should honor considering the following circumstances and the duration I have banked as a loyal customer with Wells Fargo. 

Please call me at XXXX, if XXXX team requires hard copies of any documents listed below : 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  At XXXXXXXX XXXX XXXX  on XX/XX/XXXX, I received a phone call from this phone number : XXXX. The gentleman told me he was calling from Wells Fargo that his name is XXXX and that he was trying to stop a XXXX cashier 's checks that the bank authorized and had given a woman who impersonated me at my storefront bank Wells Fargo, XXXX XXXX  XXXX XXXX, XXXX XXXX, FL. XXXX. XXXX said there would be an arrest at my bank the evening of XX/XX/XXXX and that I needed to part of this investigation. 

Not believing " XXXX '', his manager, XXXX XXXX ( bad actor, but this person is a legitimate employee at WF ) was brought on the line and said that the way to stop the chashier 's checks from getting witdrawn from my checking account was for me to withdraw funds from my checking account of {$4600.00} and then WF would transfer the amount withdrawn from my checking account with a provisional credit. 

Meanwhile, a XXXX XXXX of {$2200.00} was placed on my WF credit card, that I did not authorize, because the bad actor was logged into my acccount. The {$2200.00} fowarded my Checking Account under fraudulent pretenses listed above. 

I felt absolute fear that I had to withdraw these monies from my checking account because XXXX XXXX said the bank tellers at my WF bank were part of this bad acting and were providing access to cashier checks from my account to a woman from the outside. XXXX said they were about to make an arrest the evening of XX/XX/XXXX. 

XXXX then transferred me to this person named XXXX XXXX. XXXX said he was the XXXX of the Cybersecurity team and that another bank where the tellers were getting arrested was happening that evening in XXXX XXXX XXXX, FL, and that the week before for 7 days the Wells Fargo Cybersecurity team was making arrests from South Carolina to Florida and Georgia. XXXX gave me his badge number of # XXXX. 

After I spoke with XXXX from the Wells Fargo Cybersecurity team, he transferred me back to XXXX and she gave me her badge number. 

XXXX said that I was part of the investigation and that the monies I removed were to be transported via XXXX for the FDIC in XXXX, FL to be ananlyzed for the teller 's fingerprints to have sufficent evidence to arrest the teller at the WF bank and the rest of the staff at the WF storefront bank listed above. XXXX stayed on the phone with me when I got into my car, drove to the bank, withdrew the monies, and drove back to my house. The entire car ride to and from the bank, XXXX told me each bank employee were part of the fraudulent situation of giving out cashier checks to people they knew on the outside. XXXX kept itierating that the FDIC would analyze the monies I withdrew to prove the bank teller 's finger prints were those of the bank tellers and entire team working at the bank. 

Once I gave the monies to the XXXX Driver, I immediately checked my bank account and the provisional reimbursement of {$4600.00} was not in my checking account. XXXX XXXX called back at that moment and said that the system takes XXXX hour for the monies to get transferred back into my checking account. XXXX gave me the XXXX number to call the bank to confirm the progress of the transfer of funds : # XXXX. 

When I called the corporate WF Customer Service line, I told the employee the Case number that XXXX XXXX had given me. The representative said he could not find that Case Number in the WF system. The Wells Fargo employee said = I was coerced into withdrawing those funds and the bad actors presented fraudulent circumstances. The gentleman from WF told me to obtain a Police Report and to also report this case to Wells Fargo for reimbursement of the funds. 

At XXXX PM XX/XX/XXXX, I then called the XXXX XXXX XXXX Police. They arrived at XXXX PM XX/XX/XXXX, XXXX officers received my sworn statement, and my Case ID is # XXXX. The XXXX who created my XXXX, his name is XXXX XXXX, and his ID # XXXX. 

Since then I have reported these circumstances to the Wells Fargo bank from XX/XX/XXXX through XX/XX/XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ). Each case and complaint during this time span and listed on the above daites, the Wells Fargo bank, the Line of Business and the Executive offices, the investigator XXXX have denied these Claims. I have recevied 2 emails where the Wells Fargo has denied my case/claim/complaint to reimburse me for the monies I have lost. 

On Friday, XX/XX/XXXX after XXXX XXXX XXXX, I made filed another complaint : XXXX, with XXXX who works in the Customer XXXX Department at the Wells Fargo Bank XXXX 

Wells Fargo does not take into account that I was wrongfully exploited under fraudulent circumstances where the bad actors used legitimate Wells Fargo employee names and titles.

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