Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
On Saturday XX/XX/XXXX, while on a trip to XXXX, XXXX I was XXXX XXXX XXXX XXXX of money in my possession as well as using my credit cards and ATM cards. While out at a XXXX XXXX the last thing I remember was looking at a beer that was placed in front of me. At approximately XXXX ; XXXX XXXX. My next memory was a car door being open and me being pushed out of a running car in a parking lot at about XXXX XXXX XXXX XXXX. Many miles from where the drugging took place. During those approximately XXXX hours XXXX of my credit cards were accessed XXXX times for about {$850.00}. My XXXX debit card was used for about {$150.00} and my Wells Fargo ATM card was accessed XXXX times in a short period of time for XXXX XXXXXXXX {$100.00} XXXX and {$350.00} XXXX XXXX were taken from my XXXX. I called all the cards to inform them of the fraud, after the fact, though because of my XXXX  state I don't recall this. All of the credit cards and XXXX immediately reversed the charges. Wells Fargo opened an investigation. They decided that my usage of my card XXXX times, for over {$3900.00}, maxing out my line of credit, was normal and typical behavior. I asked for a review and spent many hours on the phone being transferred from one person to the next trying to get a statement from me in my file. Which they said was not necessary. Of course it wasn't necessary they had already decided it was my fault. Then they restated that my usage of the ATM card was typical for me. And they will not reimburse me for the {$3900.00} minus ATM transaction fees. They know, as well as I do, that these withdrawals are not typical of me. After denying me the first time someone called and asked if my passcode was written down somewhere. I said no. Whether or not I did these transactions or the perpetrators of this crime used my pin is not something I know. I was completely out of it with no recollection at all. I assume there are cameras at the ATM machines. So Wells Fargo knows the answers to these questions but are not sharing it. Im not sure what they would expect me to do under the circumstances I was under. refuse them? Fight them? Risk my life? I have no idea, but apparently so. If they feel so emphatically that I withdrew this money for my own use then they should be attempting to prosecute me for claiming fraud.

It is typical of me to use my credit card at a restaurant, convenience stores, pharmacies too. But these charges were fraudulent as well. It is not typical of me to W/D over {$500.00} at one time. It is not typical of me to W/D more than {$2000.00} in a month, let alone {$3900.00} in one evening. It is not typical of me to max out my line of credit. And though I will w/d multiple times it is not typical nor have I come anywhere close to using my card 22 times at once, enough to where Wells Fargo denied further w/d because the max per day had been met. Never have they ever sent me such an email in the past. Im not a lawyer but I researched this issue online and read that if I reported it immediately, which I had done, the most I would lose is {$50.00}. I believe they should reimburse for the {$3900.00} minus transaction fees.

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