Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
Form XXXX XXXX A wells Fargo Bank XXXX Banking Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone No. ( XXXX ) XXXX XXXX XX/XX/year> OFFICE OF THE COMPTROLLER OF THE CURRENCY 'S ( OCC ) XXXX XXXX XXXX, XXXX XXXX XXXX. Washington XXXX DC XXXX Telephone : ( XXXX ) XXXX To Whom It May Concern, A FORMAL COMPLAINT AGAINST WELLS FARGO BANK FOR ONLINE BANKING BREACHED Failure to honored My claims of authorized Transactions Subject : Disputed Fraudulent Transactions and Denied Claims I am writing to formally lodge a complaint against Wells Fargo Bank regarding their handling of unauthorized transactions on my account and their subsequent refusal to honor my claims. 

In XX/XX/year>, I discovered a significant breach of my Wells Fargo account when I contacted customer service to check my balance. Upon reviewing the disclosed balance, I noticed a large discrepancy from my expected balance. I immediately began asking questions and was informed that my daughter, XXXX XXXX, was issued a separate debit card by Wells Fargo Bank without my consent. The debit card was issued under a Power of Attorney ( POA ) I had granted to my daughter XXXX XXXX for identification purposes only, allowing her access to my account while I was incarcerated. This POA did not authorize Wells Fargo to issue a separate debit card in her name. 

On XX/XX/year>, I set up my own online banking for the first time and discovered that my account had been compromised following a robbery in which my daughters pursecontaining my debit card and her cell phonewas stolen. The thief gained access to my Wells Fargo account, using my debit card and online banking credentials to withdraw approximately {$27000.00} from my account. 
I promptly reported this incident to Wells Fargo, providing all necessary information, including the fact that I was unable to use my account due to my incarceration. However, Wells Fargo denied my claim, citing that my account had been accessed more than XXXX times since the fraudulent transactions. 
Additionally, the following unauthorized transactions occurred between XX/XX/year>, and XX/XX/year>, on my debit card ( ending in XXXX ) : XXXX. XX/XX/year> Unauthorized transaction of {$550.00} XXXX. XX/XX/year> Unauthorized transaction of {$1500.00} XXXX. XX/XX/year> Unauthorized transaction of {$480.00} XXXX. XX/XX/year> Unauthorized transaction of {$1400.00} These transactions appear to stem from issues related to payments I had authorized for my book publisher, XXXX. On XX/XX/year>, I authorized a payment of {$800.00}, but an unauthorized payment of {$550.00} was made. On XX/XX/year>, another unauthorized payment of {$1500.00} was charged to my account. 
Similarly, on XX/XX/year>, I authorized a payment of {$730.00} to XXXX, but an additional unauthorized amount of {$480.00} was charged to my debit card. 
On XX/XX/year>, XXXX contacted me, stating that if I paid the final balance of {$730.00}, it would complete my payment and they would continue publishing my book. I authorized the {$730.00} payment, but XXXX charged me twice for this amount. Furthermore, they went back and charged {$1400.00} on the same day. It was at this point that I realized XXXX had been double-charging my account each month. 
I immediately reported these incidents to Wells Fargo and opened three claims. However, all three claims were denied by Wells Fargo. 
These unauthorized transactions may be directly linked to the robbery incident mentioned earlier, for which I have filed a police report under case number XXXX. 
Furthermore, I have recently discovered that Wells Fargo issued a debit card to my daughter, XXXX XXXX, in her name, associated with my account. However, the Power of Attorney ( POA ) issued to her does not XXXX her the authority to request or receive a debit card in her name. This action violates the terms of the POA and Wells Fargo 's banking policies, as a separate debit card should not have been issued without my explicit consent. 
Given the gravity of these issues, I am seeking legal assistance to address this matter and potentially pursue further actions against Wells Fargo for their negligence in handling these claims. I respectfully request that your firm review the circumstances surrounding these transactions and advise me on the appropriate next steps. 
If possible, I would greatly appreciate your support in filing legal action against Wells Fargo for their failure to resolve these claims and for their improper issuance of a debit card to my daughter under the circumstances outlined above. 
I am prepared to provide further documentation and detailed records of the disputed transactions, as needed. I look forward to your prompt response and assistance in resolving this matter. 
Thank you for your attention to this serious issue. Please feel free to contact me directly at ( XXXX ) XXXX or via email at XXXX if you require additional information or clarification. 





Respectfully, XXXX XXXX A copy of this complaint letter forward to Wells Fargo Bank customer relationship department! 





EXHIBIT A 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 monetary relief