Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Revised CFPB Complaint Letter ( Final Draft ) Subject : Urgent Complaint Wells Fargo Failure to Reimburse Unauthorized Transactions ( Regulation Z Violation ) To Whom It May Concern, My name is XXXX XXXX, and I am filing this complaint regarding Wells Fargos repeated failure to reimburse unauthorized charges that resulted from a clear case of fraud, identity theft, and account compromise. 

My contact information is as follows : Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone : XXXX Email : XXXX -- - Summary of the Fraud Between late XXXX and XXXX XXXXXXXX through XXXX XXXXXXXX, my XXXX account was hacked, my credit card information was stolen, and unauthorized XXXX Ads charges were made to my Wells Fargo credit card. 

Once I discovered the fraud in early XXXX ( around XX/XX/XXXX ), I immediately contacted Wells Fargo, canceled my credit card, and filed all required reports. After the card replacement, not a single XXXX charge has appeared, clearly proving the previous transactions were unauthorized. 

I also filed a police report, but I was informed that because the criminal is not located in the United States, they can not pursue the case locally. 


-- - Wells Fargos Failure to Act Despite my immediate reporting and full cooperation, Wells Fargo has : Continued to delay the investigation, Repeatedly contacted me asking the same questions, Failed to provide any progress, And has still not returned the stolen funds. 


We have already contacted them multiple times, yet they keep reopening the same inquiries without taking action. Meanwhile, I am left without money that was stolen from me, despite having credit card insurance and fraud protection. 


-- - Regulation Z My Legal Rights Under Regulation Z ( 12 CFR 1026.13 ), Wells Fargo is legally required to : 1. Investigate my claim in a timely manner, 2. Provide a written determination, 3. Provisionally credit my account within 10 business days, 4. And remove liability for all unauthorized charges when the customer took prompt action which I did.

Wells Fargos repeated delays and failure to issue reimbursement or a provisional credit appear to be a direct violation of federal law.

-- - Request for Immediate Action I respectfully request that the CFPB require Wells Fargo to : 1. Reimburse all unauthorized charges made through the hacked XXXX account, XXXX. Provide a full written explanation for their failure to comply with Regulation Z, XXXX. And ensure that I am not held liable for fraudulent activity. 



I am requesting only the money that rightfully belongs to me nothing more. I followed every procedure correctly, and the fraud evidence is clear and undeniable. 

I urgently ask for your assistance in resolving this matter and ensuring Wells Fargo meets its legal obligations. 

Thank you for your time and attention. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone : 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