Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX [ Date ] To the Georgia Insurance Regulators, I am writing to file a formal complaint and to demand an immediate investigation into a series of fraudulent activities, bad faith insurance practices, and discriminatory conduct that have severely harmed my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This complaint involves XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX ( particularly XXXX XXXX ), and Wells Fargo. I believe their actions constitute systemic fraud and regulatory violations, particularly against me as a XXXX woman and small business owner. 
Overview of Events As the owner-operator of a {$230000.00} semi-truck, I financed my insurance premiums through XXXX XXXX XXXX XXXX which paid XXXX XXXX for the policy. Since then, I have faced significant misconduct emanating from multiple parties, including lack of transparency, improper claim handling, and alleged fraudulent activities. 
XXXX. XXXX XXXX XXXX 's Negligence : XXXX XXXX XXXX has shown blatant negligence in its responsibilities by refusing to verify critical documents associated with my policy, including the VIN number. Their claim of being solely responsible for financing without ensuring the legitimacy of the policy raises serious concerns about their practices. When I requested documentation to validate the coverage they financed, they denied my request, leaving me feeling trapped and vulnerable as a policyholder. 
XXXX. XXXX XXXX XXXX 's Mismanagement : My interactions with XXXX XXXX were severely mishandled. XXXX XXXX, an assistant adjuster with the XXXX XXXX, displayed unprofessional and discriminatory behavior by blocking my attempts to communicate with higher-ups and insisting on a photo appraisal for my claim concerning undercarriage damage. Her conduct was not only unprofessional but also discriminatory, undermining my rights and access to fair treatment as a policyholder and XXXX female business owner. 
Moreover, XXXX XXXX engaged in manipulative practices by ignoring XXXX XXXX XXXX XXXX to issue endorsements related to my policy. They knew or should have known I never authorized any third-party involvement regarding my equipment and closed their eyes to all endorsements from XXXX XXXX XXXX XXXX XXXX raising serious questions about ethical practices. 
XXXX. Fraudulent Activities and Data Tampering : I have substantial evidence suggesting that XXXX XXXX XXXX XXXX XXXX XXXX engaged in fraudulent activities, including : Altering policy details without consent and tampering with data. 
Failing to honor legitimate claims or provide proper investigations. 
Ignoring unauthorized endorsements, leading to misrepresentation and manipulation of my policy details. 
These actions have put me at financial risk, as I paid over {$34000.00} in premiums under false pretenses, believing I was adequately covered. 
XXXX. Wells Fargo 's Handling of Financial Disputes : Compounding my issues, I have encountered significant challenges with Wells Fargo, which I held responsible for processing a dispute to recoup my {$34000.00} in premiums. Despite assurances from the bank that my dispute was filed, I learned they hadnt taken action, and my accounts were mishandled repeatedly, exacerbating my financial distress. In light of this history, I am requesting the deletion of all inaccuracies related to my credit report under U.S. Code 15 1691EB. 
Request for Investigation Given the serious nature of the allegations against XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and Wells Fargo, I am requesting the following actions : An immediate investigation into the practices of XXXX XXXX Insurance and First Insurance Funding, including data tampering and claim denials. 
A thorough audit of XXXX XXXX XXXX 's role in financial management and policy underwriting. 
Accountability for Wells Fargos failure to process my disputes accurately and the adverse effects on my financial standing. 
Appropriate penalties for all parties involved for their misconduct, including compensation for the harm inflicted on my business. 
Resolution of my current situation regarding XXXX XXXX XXXX XXXX XXXX, Texas, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Conclusion The actions taken by XXXX XXXX XXXX  XXXX XXXX, and Wells Fargo have caused significant financial harm, emotional distress, and hindered my ability to XXXX XXXX XXXX effectively. I demand prompt action to hold all involved parties accountable and restore my rights XXXX XXXX XXXX XXXX XXXX 
Thank you for your attention to this matter. I anticipate a timely and just resolution to my complaints. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Key Details of the Parties Involved : XXXX XXXX XXXX Contact : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  NY XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXX XXXX XXXX XXXX XXXX  ( Agent handling my policy ) Contact : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXX XXXX XXXX XXXX ( Assistant Claims Adjuster ) Contact : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK XXXX Email : XXXX XXXX XXXX XXXX XXXX Financing/Underwriting Issues ) Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX : ( XXXX ) XXXX Toll-Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Website : XXXX XXXX XXXX XXXX  XXXX  * Contact : XXXX XXXX * Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXY XXXX * Phone : ( XXXX ) XXXX * Email : 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