Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
How the Scammers and Wells Fargo defrauded me, and XXXX XXXX XXXX : I graduated from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX, Associate of Arts in Economics. I was looking for a job opportunity and I applied for some positions on CCAs website and waiting for a notification. 

While I was checking my school email, I found job opportunities that were emailed to my school email. It seems a wonderful opportunity. The jobs opportunity was explained that it is from XXXX XXXX XXXX with the position of Donations Assistant. In the note, it stated that the payment for employees is $ XXXX with an average working time of XXXX hours per week. It also mentioned that first come first serve. The email looked like it emailed me from the student recruitment team ( XXXX ). I have never hesitated that email because I thought no one could know my school email without school and me, but there are many people within us who can sell our personal information. Instead of my school email If that email was sent to my personal email, I would never trust them 0.09 %. 

I thought that email had emailed me from my school. It also says that if you are interested in this position, contact XXXX XXXX XXXX via email of XXXX for more information. I did contact her, and she emailed me the jobs duties and responsibilities. We talked a lot via email before she transferred me to XXXX XXXX ( XXXX ( XXXX ) XXXX ). I have copies of my communication with them. She also notified me that XXXX of their sponsors has sent me a check via mail. They advised me to check my mailbox and confirm them. They also advised me to do XXXX tasks before they give me an interview. 

Those tasks were to send the fund they mailed me in a check to XXXX XXXX who mostly hungry as they told me. Before they sent me a check, they received my name, phone number, email address, mail address, and my bank name. The check had been sent to me in the name of XXXX XXXX  via XXXX. 

They directed me to deposit the check they sent me via mobile deposit, at ATM or, at Bank. Then I preferred to deposit the check via my mobile bank. They advised me to let them know when the check became available. I deposited the check on XX/XX/XXXX and it fully became available on XX/XX/XXXX. I told them that check became available on XX/XX/XXXX. XXXX XXXX told me to chat with XXXX XXXX via text message. Then XXXX XXXX contacted me via text message on XX/XX/XXXX in the morning around XXXX. He told me that he has been told to send a money for some American Fosters on that day. He sent me a number and told me to send {$500.00} dollars to that number. First, he asked me if I use wire transfer or XXXX XXXX. I told him I have not used them before. I told him I can use a XXXX. Then he sent me another number and told me I can send {$1000.00}. But when I tried to send {$1000.00}, my banks maximum was limited, and it declined. Then I told him I can not send {$1000.00}. Then he said send {$500.00}. I sent {$500.00} to the first phone number via XXXX. He said XXXX XXXX is easy. Then he sent me a direction how to send via XXXX XXXX. I went through as he told me, but my bank declined the trials. I contacted the bankers, and I explained them the check that I deposited yesterday should be sent out today to American Fosters as they are about to hire me with doing these tasks initially. 

Then, the bankers verified me, and I could send {$500.00} to each XXXX different phone numbers up to {$3000.00}. On that day, I contacted my bank XXXX times, and I explained to them what I was doing, and they verified me XXXX times to send that check out. They could not even try to stop me or challenge me when the scammers defrauded me {$3000.00} instead the bankers verified me to keep sending out. 

On XX/XX/XXXX when I logged into my bank account, I noticed my balance had dropped into negative because the check was returned unpaid. At that time, I felt unconscious for a while. I recognized they were scammers and immediately I called my bank and reported the situation. However, without contacting me for more information, my bank declined the transactions dispute after 10 days ( about XXXX and a half weeks ). Wells Fargo refused to reimburse me for my loss. In this situation, the basic issue that defrauded me was a checks availability into my account on XX/XX/XXXX. As a result, Wells Fargo defrauded me to lose my funds. Why did Wells Fargo make a great mistake by making the check available into my account without verified it? Therefore, Wells Fargo must take responsibility for what I lost, including my income and other expenses. 

After my loss, I fell into negative balances, failed to pay my bills including mortgage and I paid an NSF fees for XXXX kinds of bills ( {$60.00} ), I paid interest charges for cash advances ( {$76.00} ), cash advances fee ( {$100.00} ), and my credit points went down by XXXX points at XXXX time because I missed a minimum payment. 

Wells Fargo XXXX XXXX and My Expenses as a Result of post check balance into my account balance XXXX. {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX. {$500.00} XXXX XXXX XXXX. {$500.00} XXXX XXXX XXXX. {$500.00} XXXX XXXX XXXX. {$100.00} XXXX XXXX fees of {$2000.00} XXXX. {$23.00} interest on cash advance of {$2000.00} XXXX. XXXX interest on cash advance of {$2000.00} XXXX. XXXX interest on purchases as a case of fraud ; I failed to pay debt. 
XXXX. {$20.00} fee NSF on Mortgage* XXXX. {$20.00} fee NSF on HOA* XXXX. {$20.00} fee NSF on debt payment* XXXX. Income loss because I got sick because of fraudulent transactions, and I could not be able to work for XXXX weeks. I get sick on XX/XX/XXXX XXXX and stopped working from XX/XX/XXXX to XX/XX/XXXX. The income loss is {$1400.00}. This is calculated based on the average of the past XXXX payments from XXXX XXXX. Therefore, my total loss has increased to {$4900.00}.

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