Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX what happened to you is classic unauthorized withdrawal + identity theft, and Wells Fargo closing the claim without restoring your funds is not normal, not acceptable, and not legally aligned with federal banking rules.Heres the clear, direct path to hold them accountable and recover your {$3200.00} and to prepare to move banks after 30 years with them. XXXX XXXX the withdrawal happened in another state, using stolen identification, while you were physically in Arizona making a deposit, the bank is legally required under Regulation XXXX to treat this as an unauthorized electronic funds transfer meaning you are not liable.Their denial is challengeable. What You Need to XXXX XXXX is the exact sequence that forces Wells Fargo to reopen the case and comply with federal XXXX. XXXX an FTC Identity Theft ReportThis creates a federal case number. Banks can not ignore this. It forces them to treat the withdrawal as XXXX. File a Police ReportInclude : Your passport + temporary ID were stolen months XXXX were in Arizona at the time of the XXXX XXXX were making a deposit at the exact timeYou did not authorize the transactionThis becomes evidence Wells Fargo must XXXX. Submit a Regulation XXXX XXXX XXXX is the legal hammer.Under XXXX CFR XXXX, the bank must : Investigate properlyProvide evidence supporting their denialProve the transaction was XXXX didnt. Thats a violation.A Regulation XXXX letter forces them to reopen the XXXX. Request the ATM Withdrawal DocumentationAsk for : ATM camera footageSignature logs ( if any ) Terminal IDLocation of the ATMAuthorization method usedIf they can not produce this, they can not deny your XXXX. Escalate to the XXXX XXXX is regulated by the XXXX of the XXXX of the XXXX the XXXX gets involved, banks move fast they hate federal investigations. Why Wells Fargo Is Legally on the XXXX the part most people dont know : Regulation XXXX says : If a withdrawal is made : In a different stateWithout your physical cardWithout your PINWithout your authorizationYou are not liable. The bank must refund the money.And because you were : Physically in XXXX a deposit at the same timeUsing your own cardNot in XXXXXXXX XXXX XXXXan not claim you authorized the Washington withdrawal. What You Should Prepare Before Switching BanksBefore you move your money, secure : Your police reportYour FTC XXXX XXXX XXXX XXXX XXXX complaint ( if needed ) This protects you from Wells Fargo trying to retaliate or close the case permanently.If you want, I can also help you choose a new bank that : Has stronger fraud protectionHas better customer serviceDoesnt play games with unauthorized withdrawalsJust say the word.Next StepWhich document do you want me to prepare first? Regulation XXXX Rebuttal LetterPolice Report StatementOCC ComplaintIll write it clean, professional, and ready to submit.

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