Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
* * Company : * * Wells Fargo Bank , N.A . 

* * Product : * * Checking account * * Issue : * * Unauthorized fees charged after unilateral account changes without consent * * Account : * * Personal checking account ending in XXXXXXXX XXXX XXXX XXXX XXXX WHAT HAPPENED This complaint concerns {$2700.00} in unauthorized fees charged by Wells Fargo to an account that originated with XXXXXXXX XXXX in XXXX. 

* * PRIOR CFPB COMPLAINTS : * * I previously filed complaints XXXX and XXXX. Wells Fargo responded to both and CFPB closed the cases. However, Wells Fargo has NOT addressed the central issue, which is why I am filing this new complaint. 

* * THE CENTRAL ISSUE : * * I have demanded that Wells Fargo produce signed documentation showing my consent to account changes made in XXXX, XXXX, and XXXX. They have not produced any such documentation because it does not exist. 

* * BACKGROUND : * * - I opened a XXXX XXXX  Checking account with XXXX XXXX  on XX/XX/XXXX - Wells Fargo acquired XXXX XXXX  and my account - Between XXXX  and XXXX, Wells Fargo made four unilateral changes to my account type : - XX/XX/XXXX : Changed from XXXX to " XXXX  '' - XX/XX/XXXX : Removed wire transfer fee waivers- XX/XX/XXXXXXXX  : Changed XXXX  account terms, added $ XXXX  monthly fee - XX/XX/XXXXXXXX  : Discontinued XXXX, converted to " XXXX XXXX  '' - I never signed anything authorizing any of these changes - Wells Fargo has charged {$2700.00} in fees based on these unauthorized changes * * WELLS FARGO 'S ADMISSION : * * In their response letters, Wells Fargo admits : " We attempted to reach you for more information about any agreement you may have had at the time during the transition from XXXX to Wells Fargo, but were unsuccessful in reaching you. '' This confirms they can not locate my original agreement, yet they proceeded to change my account terms anyway. 

* * WELLS FARGO 'S DEFENSE : * * They claim " account statements explained '' the changes. But notification is not consent. Under contract law, material modifications require mutual agreement. They can not eliminate fee waivers by simply mailing account statements. 

* * THEIR OFFER : * * {$50.00} " goodwill '' refund on a {$2700.00} claim ( 1.8 % ). This is not a good-faith resolution. 

* * FEE REVERSALS : * * In XX/XX/XXXX, Wells Fargo reversed {$75.00} in fees on this account. If these fees were properly charged, why did they reverse them? Fee reversals acknowledge error. 

-- - # # ATTACHMENTS 1. Wells Fargo response dated XX/XX/XXXX ( their most recent response ) 2. My final notice letter to Wells Fargo dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  CONSUMER INFORMATION * * Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX * * Phone : * * 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