Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
FORMAL COMPLAINT AND DEMAND FOR IMMEDIATE ENFORCEMENT : STATUTORY DISPUTE VIOLATIONS, ACTIVE EVIDENCE SUPPRESSION, AND MALICIOUS OBSTRUCTION UNDER 12 U.S.C. 5536 This is a formal demand for immediate federal intervention, administrative sanctions, and enforcement action. The financial institutions and state regulatory offices handling this file have completely blown past their legal resolution timelines. This is not an administrative delay ; it is a calculated, bad-faith attempt to obstruct the administrative record, manipulate secure file systems, and suppress evidence to protect internal actors from severe liability. Any further extension of time is a direct violation of consumer law. I demand that the CFPB enforce federal statutes immediately. 1. PROVABLE COMPLIANCE FRAUD AND FALSE STATEMENTS ( Wells Fargo Case No. XXXX ) As exposed in XXXX and XXXX, Wells Fargos Executive Office issued a notice claiming they are " unable to identify the account. '' This is a blatant, provable lie executed in complete bad faith. My full legal name, complete account metrics, and comprehensive verification details were explicitly delivered through this federal CFPB portal. Under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), it is unlawful for any covered person to engage in unfair, deceptive, or abusive acts or practices ( UDAAP ). Falsifying compliance records by claiming a verified account can not be found to evade an active federal inquiry is a direct violation of federal law. They possess the data ; they are lying to manufacture delays because they can not defend the catastrophic internal liability on this file. 2. EVIDENCE MANIPULATION AND DEFACING THE ADMINISTRATIVE PAPER TRAIL Furthermore, XXXX explicitly exposes tactical data suppression : the secure system log states " Images in this message have been disabled. '' Wells Fargo is intentionally manipulating the secure email portal to XXXX the transmission, stripping out the visual links, transaction spreadsheets, and master ledger profiles I am legally entitled to under 12 U.S.C. 5533, which mandates that covered entities must make available to a consumer information concerning the financial product or service obtained. To compound this violation, they are aggressively attempting to push this dispute to verbal phone calls. I have explicitly mandated communication IN WRITING ONLY. Under the Fair Credit Billing Act ( FCBA ) frameworks and standard digital compliance guidelines, a consumer has the right to maintain a verifiable written record. Their refusal to put their responses in writing is a desperate scheme to avoid a legally binding paper trail regarding internal sabotage and to eliminate a discoverable evidence trail. 1. STATE-LEVEL REGULATORY OBSTRUCTION AND CONCEALMENT ( XXXX File No. XXXX ) This institutional cover-up is being actively facilitated by the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX As proven by the administrative records in XXXX and XXXX, their office has repeatedly sent letters stating that the bank 's true data response is " enclosed. '' Yet, the system metadata on their own secure transmissions explicitly reads " XXXX of XXXX. '' They are repeatedly transmitting empty single-page headers while intentionally purging, withholding, and concealing the actual multi-page analytical audit histories. This constitutes a severe failure of regulatory oversight and active obstruction of an active dispute record. FINAL DEMAND FOR STATUTORY ENFORCEMENT AND DISCIPLINARY SANCTIONS As confirmed in XXXX, these entities are systematically utilizing fraudulent file closures to hide internal corruption, cover up for an internal actor sabotaging my life, and escape federal oversight. They have failed their timelines terribly and are now operating in active defiance of federal regulatory orders. Pursuant to the CFPB 's mandate under 12 U.S.C. 5511 to ensure that consumers are protected from unfair, deceptive, or abusive practices, I demand the CFPB immediately compel Wells Fargo and the XXXX to halt these bad-faith tactics. Force them to cease all phone contact attempts, restore the disabled portal links, and deliver the unedited, raw ledger analytics and complete transaction histories directly to my verified file under active FDIC XXXX XXXX. XXXX. Do your jobs, enforce the law, and hold these corrupt actors accountable immediately. 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 non-monetary relief