Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
CFPB COMPLAINT Complaint Against : Wells Fargo Issue Type : Fraud / Unauthorized Transactions/ Electronic Fund Transfer Dispute Claim Reference Number : XXXX I am filing this complaint against Wells Fargo regarding their handling of a fraud claim involving unauthorized electronic transactions on my checking account ending in XXXX. Claim Reference Number : XXXX Between XX/XX/year> and XX/XX/year>, my account was charged with numerous unauthorized transactions, primarily from a merchant identified as XXXX XXXX XXXX XXXX XXXX XXXX transfers and Apple.com charges. These transactions occurred in rapid succession and across multiple geographic locations, including Georgia, Virginia, New Hampshire, and California, which is inconsistent with my normal account activity. I did not authorize any of these transactions, did not benefit from them, and did not provide access to my account for these charges. This is not the first time this has occurred. This same type of fraudulent activity tied to my abuser has happened on XXXX prior occasions. In those instances, Wells Fargo also failed to properly handle my claims. Specifically, they did not allow me to submit supporting documentation and denied the claims without a reasonable investigation. This demonstrates an ongoing failure by the bank to appropriately respond to repeated fraud incidents involving my account. In this most recent case, I promptly reported the fraud to Wells Fargo. However, the bank : Denied my claim without conducting a reasonable investigation Did not allow me to submit supporting documentation ( including a detailed transaction log and evidence ) Failed to issue provisional credit as required under Regulation XXXX ( Electronic Fund Transfer Act ) Did not provide a sufficient written explanation for the denial These actions are not compliant with federal law, which requires financial institutions to conduct a reasonable investigation and, in many cases, provide provisional credit within XXXX business days while the investigation is ongoing. Additionally, these transactions occurred in the context of ongoing financial abuse and unauthorized access to my financial accounts. The pattern of transactionsincluding repeated identical charges, multiple states, and rapid successionis consistent with fraudulent activity and should have been recognized as such by the bank. Despite this clear pattern and my history of reporting similar incidents, Wells Fargo has failed to protect my account or properly investigate these claims. Harm Experienced : As a result of XXXX XXXX actions : My account has gone into a negative balance I have experienced ongoing financial harm due to repeated fraud incidents. I have been denied access to my funds I have experienced significant stress and hardship The banks repeated failure to properly investigate prior incidents has allowed this pattern to continue.

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