Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint due to repeated instances of unauthorized charges, account manipulation, and unresolved discrepancies in my Wells Fargo account. 

Recently, I discovered fraudulent transactions on my account after receiving a " snapshot '' from Wells Fargo asking me to verify charges. I screenshot the charges in question and now the fraudulent charges themselves no longer appear in my transaction history, though the corresponding funds are still missing from my account. I consider this not only suspicious but deeply concerning, as it prevents me from gathering proper documentation and points to potential concealment or system failure. 
For example, the fraud notification showed transactions from XXXX and XXXX XXXX XXXX for {$1.00} and {$1.00}, but do NOT show up in my transaction history. I have screenshots proving this. Without the fraud notification, I would've never even seen these charges or known anything about them because they show up nowhere. 

This is not the first time Ive experienced irregularities with my Wells Fargo account. In the past, Ive noticed that after making a purchase .. for example, spending {$500.00} out of a {$1000.00} balance .. my available balance would reflect the entire {$1000.00} missing, even though only {$500.00} was shown as spent in the transaction history. I brought this up with the bank and was told everything was accounted for, but I was made to feel dismissed, gaslit, and ultimately crazy for noticing the discrepancy. I now realize I should have trusted my instincts, as similar issues are happening again only now with clearer signs of fraud. 

To date : I have had to replace my card multiple times due to unauthorized charges. 

Charges appear to vanish from my transaction list while the money is still gone.

I am currently overdrawn by approximately {$700.00}, with only some of that due to valid auto-drafts. The rest appears to be unauthorized and/or suspicious.

This pattern, especially the disappearance of fraudulent transactions from my history, undermines trust in Wells Fargos systems and raises serious questions about internal safeguards, data transparency, and the protection of customer assets. 

I am requesting : A full investigation into the fraudulent transactions and any missing funds A complete audit of my account, including any hidden or reversed charges not reflected in standard transaction views A written response and timeline of resolution Reimbursement of all unauthorized charges, missing funds, and related fees I am pursuing this formally through the Consumer Financial Protection Bureau due to the repeated nature of these issues and the lack of resolution in the past. This issue has been hard for me to prove to Wells Fargo in the past, but I know for a fact I have funds missing over the course of YEARS, and now I have proof that there are transactions on my account that I can not even see in my own transaction history.

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 monetary relief