Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
b'URGENT: Formal Response and Escalation - Wells Fargo Regulation E Violations & Missing Funds ($XXXX)\n\XXXX\n\nDear Consumer Financial Protection Bureau, Securities and Exchange Commission, Federal Trade Commission, and Oversight Authorities,\n\nWe are writing to provide an urgent, formal response regarding the ongoing theft and mishandling of $XXXX by Wells Fargo Bank, N.A., and to document the bad-faith tactics their corporate office is using to evade federal regulations. \n\XXXX XXXX XXXX has made an exceptional, good-faith effort to trace these funds. They have repeatedly checked their incoming transfers and have provided us with definitive documentary proof multiple times confirming that Wells Fargo never attempted, initiated, or completed any ACH or electronic transfer of $XXXX to XXXX XXXXXXXX XXXX account (Account #XXXX). We have already forwarded this proof from XXXX to all concerned regulatory parties, showing beyond a shadow of a doubt that the money never reached its destination. XXXX searched their AHC and all other forms of transfers by the amount ($XXXX), both names (XXXX XXXX and XXXX XXXX), and by all account numbers involved several times. XXXX is still refusing to provide either XXXX XXXX, or XXXX XXXX with any useful tracing or tracking numbers, any of their agents full names, or agent IDs, or anything normally usefull in tracking the funds that they lost..\n\nDespite this absolute proof that the funds never left Wells Fargo\'s ecosystem, regional manager XXXX and all other Wells Fargo agents are deliberately stonewalling our investigation and utilizing predatory internal practices to cover up the missing funds:\n\n1. Disappearing Internal Email System (XXXX XXXX XXXX XXXX Dissappearing Secure Messaging System): Wells Fargo is forcing communications through an internal secure messaging center that automatically deletes emails after 30 days. They are actively using this expiring system to erase the digital paper trail, destroy evidence, and hide their arbitrary denials from oversight authorities. \n2. Concealment of Identity: Every single Wells Fargo corporate agent we have dealt with, including XXXX, XXXX, Supervisor XXXX, and others, absolutely refuses to provide their full names, direct contact information, or accountable employee IDs. They are operating like an anonymous scam center rather than a licensed national banking institution.\n3. Exploitation of Privacy and Authorization Technicalities: Wells Fargo is weaponizing privacy laws to avoid addressing the error. Even though we have submitted joint complaints and explicit declarations of mutual consent, they are using technicalities to refuse to speak with XXXX XXXX while simultaneously summary-denying XXXX XXXX claims without performing a verified internal audit.\n4. Refusal to Provide Regulatory Tracking Data: Wells Fargo completely refuses to provide the standard 15-digit Federal ACH Trace Number, confirmation inputs, or any necessary evidence that would allow us or XXXX to locate where they routed our money. \n\nWells Fargo has now held our $XXXX for a month and a half. They have violated the Electronic Fund Transfer Act (EFTA), Regulation E (12 CFR 1005.11), and basic consumer protection mandates by refusing to conduct a transparent investigation or issue provisional credit for one and a half months now. \n\nWe are demanding immediate intervention from all assigned regulatory bodies. Wells Fargo must be forced to return the $XXXX to XXXX XXXX originating account immediately, provide full financial compensation and interest for withholding our funds for 45+ days, and face severe administrative penalties for breaking federal regulations designed to prevent banks from allowing consumer money to disappear.\n\nSincerely,\n\XXXX XXXX (Account Holder, XXXX ACCT #XXXX)\XXXX XXXX (Intended Recipient, XXXX ACCT #XXXX)\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Escalation Case Reference: #XXXX / #XXXX\nCFPB Complaint ID: XXXX\n\nRE: XXXX Missing Bill Pay Funds XXXX Lost ($XXXX)\n29APR26 OCC Case #XXXX (Pending)\XXXX FDIC Case #XXXX (Pending)\XXXX CFPB Case #XXXX (Pending)\XXXX XXXX Case #XXXX (Denied)\XXXX XXXX Case #XXXX (Denied)\XXXX XXXX Transaction (Bill Pay) $XXXX Ref #XXXX | Claim #XXXX (Lost by XXXX)\n\nCONTACT INFORMATION\XXXX Executive Response: XXXX XXXX XXXX\nComplaintants: XXXX or XXXX at any time, by any means\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPhone: XXXX\nEmail: XXXX\n\n\nFORMAL COMPLAINT AND DEMAND FOR INVESTIGATION AND RECOVERY\n\nDATE: XXXX\n\nSENDER: XXXX XXXX and XXXX XXXX (wife and husband)\n\nRE: XXXX Missing Bill Pay Funds XXXX Lost ($XXXX)\XXXX OCC Case #XXXX (Pending)\XXXX FDIC Case #XXXX (Pending)\XXXX CFPB Case #XXXX (Pending)\XXXX XXXX Case #XXXX (Denied)\XXXX XXXX Case #XXXX (Denied)\XXXX XXXX Transaction (Bill Pay) $XXXX Ref #XXXX | Claim #XXXX (Lost by XXXX)\n\nTO: ALL FEDERAL, STATE, AND LOCAL REGULATORY AUTHORITIES\nConsumer Financial Protection Bureau (CFPB)\nFederal Deposit Insurance Corporation (FDIC)\nOffice of the Comptroller of the Currency (OCC)\nFederal Reserve Board (FRB)\nSecurities and Exchange Commission (SEC)\nFederal Trade Commission (FTC)\nElected Florida Senators\nElected Florida Representatives\nElected Federal Senators\nElected Federal Representatives\n\nEXECUTIVE SUMMARY of ALLEGATIONS\nThis complaint serves as a formal notification of gross negligence, systemic incompetence, and potentially fraudulent activity by Wells Fargo Bank, N.A. On XXXX, a digital transaction (Bill Pay) for $XXXX was initiated from XXXX XXXX XXXX Checking ACCT #XXXX, to XXXX XXXX XXXX Checking ACCT #XXXX, resulting in the total loss of these funds by Wells Fargo. Despite the provision of absolute documentary proof, the bank has failed to locate the funds or provide an ACH trace number, instead repeatedly denying claims with no investigation. XXXX and XXXX are husband and wife. We both hereby grant all concerned parties, financial institutions and regulators explicit permission to access and discuss any and all relevant financial records to resolve this theft.\n\nFACTUAL CHRONOLOGY AND EVIDENCE\n1.The Transaction: On XXXX, XXXX XXXX initiated a Bill Pay of $XXXX from her Wells Fargo account XXXX to husband XXXX XXXX XXXX account XXXX.\n2.Evidence of Withdrawal: Wells Fargo statements confirm the funds were debited on XXXX.\n3.Evidence of Non-Receipt: XXXX and XXXX have provided both of their account statements, proving beyond a shadow of doubt that XXXX took the money from XXXX XXXX account, but never got it to XXXX XXXX account. XXXX XXXX XXXX has provided documentation and verbal confirmation (Representative "XXXX") that no such ACH transfer was ever received, seen, or attempted by Wells Fargo. Again, XXXX has provided XXXX with his XXXX account statements showing that no $XXXX was ever received.\n4.Failure of Traceability: Wells Fargo has admitted they cannot find the money and have refused to provide the standard industry trace numbers required to track electronic transfers.\n5.Pattern of Denial: Wells Fargo has issued several claim denials (including Case #XXXX and #XXXX) without performing a verified investigation of any of XXXX records, or the XXXX records provided to them.\n\nDECLARATION OF CONSENT\XXXX XXXX (65) and XXXX XXXX (60) hereby grant and reiterate explicit permission for the CFPB, FDIC, Wells Fargo, XXXX, OCC, FL Senate, FL House, SEC, FTC, US Senate, US House, Federal Reserve, All Elected State and Federal Officials and any, and all government regulatory agencies to access all relevant financial records to resolve this theft.\n\nDEMAND FOR ACTION\nWe demand that the overseeing authorities hold Wells Fargo accountable for:\nImmediate Restitution: Returning the $XXXX to the originating Wells Fargo account, with interest and penalties for their incompetence.\nAudit of Incompetence: Investigating why a major financial institution cannot track a digital transaction in XXXX.\nRegulatory Sanctions: Assessing fines for the blatant violation of consumer protection laws and the repeated summary denial of legitimate claims.\n\nCONTACT INFORMATION\nContact: XXXX or XXXX at any time, by any means\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPhone: XXXX\nEmail: XXXX\n\nSincerely,\XXXX XXXX and XXXX XXXXn\nCC: Wells Fargo Executive Office, 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 explanation