Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I notified Wells Fargo of debits that had been showing up on my account without my authorization. The activity continued to happen for the remainder of that year until the bank closed my account because " I reported too many disputes ''. On XX/XX/XXXX, I requested the bank replace my card due to security reason ( card ending XXXX ). From the date that I realized the error until now, I had been in constant contact with the bank related to these transactions on my account. 

Finally on XX/XX/XXXX, I was able to have the bank process my disputes correctly as a majority of the transaction in question were deliberately omitted. I reported the transactions on the only account that I had with the time ( XXXX ) of over XXXX transactions that had taken place on the account. To make things even more complicated, the bank states that all of the transaction happened on another account ( in my name ) ending in XXXX. I requested a bank statement of the account ( XXXX ) and that is how I was able to know which transactions to dispute. I was only aware of having XXXXXXXX XXXX  checking account with the bank at this time. The transactions happened outside of the United States which would have required ( enhanced processing ) Because of where they happened. I stated that I had not been out of the country at that time ( transactions happening in XXXX and XXXX ). 

The bank states that these transactions happened are were reported on some account that was supposed to be under my name ( XXXX XXXX XXXX ) ending in XXXX. I asked Wells Fargo to provide me with a copy of this transaction history on the XXXX of XX/XX/XXXX, and as of the date of this complaint the statement has still not been received. 

To make matters worse, the bank consolidated the claims for some reason and closed the existing claims. This presents a very XXXX XXXX XXXX situation for the chain of custody when attempting to preserve the context of the evidence presented for processing. This is the first error. It is my understanding that the bank that these procedures are routine and obligated under federal law. 

I received several letters from the bank stating that it found " no error occurred because I or someone I knew had authorization to make transactions with the card or account '' to process transactions against the account ending in XXXX. That is a VERY BIG problem because, I never reported errors for transactions for this account ending in XXXX. I reported transactions for account XXXX. This is the only account I had at the time these transactions were reported and I did not have a transaction statement for this account ending in XXXX. This is the second error. The last error is not conducting a thorough investigation within that 10 days period after guaranteeing that the bank would process and honor the 60 day, 10 day rule as stated in the recording attached to this complaint. I am requesting this agency to look into this matter thoroughly because I believe that there is foul play on behalf of this bank.

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