Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
SUMMARY OF NEW COMPLAINT I am filing this new complaint regarding Wells Fargo XXXX  response to my previous CFPB complaint ( Case # XXXX ), which reveals additional violations and demonstrates a pattern of unfair, deceptive, and abusive acts or practices ( UDAAP ). 
This complaint addresses NEW violations that occurred in Wells Fargo XXXX XX/XX/year> response : Admission of False Data Usage - Wells Fargo admitted using fabricated " {$200000.00} in new money '' figure to deny my bonus Withholding Exculpatory Evidence - Refusal to provide security footage that would prove or disprove assault allegations Admission That Customer Assault " Follows Policy '' - Claiming physical restraint and threats against peaceful customers is standard procedure Contradictory Statements Proving Bad Faith - Shifting explanations that contradict their own prior written denials Amount in Dispute : {$2500.00} ( promotional bonus ) + damages for assault, civil rights violations, and bad faith dealing DETAILED FACTS A. Wells Fargo XXXX Admission of Using False Data ( New Violation - XX/XX/year> ) In their XX/XX/year> response to CFPB, Wells Fargo made a critical admission that exposes their previous denials as fraudulent : What Wells Fargo Previously Claimed ( XX/XX/year> ) : Denied my {$2500.00} promotional bonus Stated I only brought in " {$200000.00} in new money '' Used this specific figure to justify why I didn't meet the " {$250000.00} new money '' requirement What Wells Fargo NOW Admits ( XX/XX/year> ) : " You are correct, you did not bring in {$200000.00} in new money '' " You did not bring in any funds from an outside banking institution '' The Violation : Wells Fargo has admitted they fabricated the " {$200000.00} '' figure. This proves : The bank knowingly used false data to deny a contractual obligation The bank 's internal systems generated fraudulent calculations The denial was pretextual and made in bad faith Legal Standard : Using fabricated data to avoid contractual obligations constitutes fraud and UDAAP violations under XXXX U.S.C. XXXX. 

B. Withholding Evidence of Criminal Conduct ( New Violation - XX/XX/year> ) Wells Fargo XXXX response to my assault allegations demonstrates obstruction and bad faith : The Evidence Exists : Wells Fargo admits security footage from XX/XX/year> exists but refuses to provide it without a subpoena. 
The Logic Failure : If the footage showed I was the aggressor or that guards acted appropriately, Wells Fargo would release it immediately to exonerate themselves If the footage showed " policy was followed, '' it would support their defense Their refusal to provide the footage is an admission that it contradicts their narrative Specific Incidents Not Addressed : Wells Fargo 's response completely ignores : XXXX XXXX XXXX XXXX ( Badge XXXX ) threatening : " I will slap you if you say anything further '' Discriminatory statement : " This is how you all should be treated '' Gender-based harassment : " My girl also does not take orders '' XXXX hours of restraint in handcuffs Inappropriate XXXX contact while restrained Police XXXX XXXX XXXX XXXX XXXX XXXX ) being called to scene The New Violation : By stating these events " followed policy, '' Wells Fargo is either : Lying to the CFPB about their investigation, OR Admitting that threatening, restraining, and verbally abusing customers IS their policy Either scenario requires CFPB enforcement action. 

XXXX Bad Faith Investigation and False Statements to CFPB Contradictions in Wells Fargo 's Response : On the XX/XX/year> Meeting : Wells Fargo now claims : " The customized summary is only signed by yourself ; the banker nor branch XXXX signed the form '' Wells Fargo now claims : " It does not state the manager assisted you '' The Truth : Branch XXXX XXXX XXXX was physically present, confirmed my eligibility verbally, and the digital summary was generated in her presence Challenge : I request CFPB subpoena Wells Fargo XXXX security footage from XX/XX/year> ( approximately XXXX XXXX  ) to prove XXXX XXXX was present during the meeting. 
On the XX/XX/year> Meeting : The XX/XX/XXXX summary shows ONLY Banker XXXX XXXX XXXX XXXX ' signature because XXXX XXXX was on leave that day. This proves that when the XXXX XXXX WAS present ( XX/XX/XXXX ), her presence was documented. 

XXXX Pattern of Providing False Information to Avoid Liability Wells Fargo XXXX response demonstrates a systematic pattern of shifting explanations : Timeline of Contradictions : XX/XX/year> ( Internal Denial ) : Claimed I brought in " {$200000.00} in new money '' Denied bonus because this didn't meet $ XXXX threshold XX/XX/year> ( Previous CFPB Response ) : Representative XXXX XXXX falsely claimed Branch XXXX XXXX XXXX " confirmed she has not had any contact with you '' This contradicted the signed XX/XX/year> document XX/XX/year> ( Current Response ) : NOW admits I brought in " {$0.00} in new money '' NOW admits the $ XXXX figure was false Still denies the bonus using the same false reasoning The Pattern : Each time confronted with evidence, Wells Fargo changes its story but maintains the same denial. 

WELLS FARGO XXXX INADEQUATE RESPONSE CREATES NEW VIOLATIONS The XX/XX/year> response itself constitutes new violations : XXXX. Deceptive Practices Admitting to using fabricated data ( $ XXXX figure ) while still denying liability Claiming " no evidence '' exists while simultaneously withholding that evidence XXXX. Unfair Practices Requiring a subpoena for evidence in the bank 's possession that would resolve the dispute Using technical arguments about signatures while ignoring the substance of the contractual promise XXXX. Abusive Practices Dismissing assault allegations with " policy was followed '' without explaining what investigation occurred No disclosure of disciplinary action taken ( if any ) No apology or acknowledgment of customer harm REQUESTED RELIEF I request that the CFPB : XXXX. Investigation and Enforcement Open a formal investigation into Wells Fargo 's use of fabricated data to deny contractual obligations Investigate whether Wells Fargo XXXX security policies include threatening and restraining peaceful customers Determine if Wells Fargo XXXX response to CFPB complaints constitutes obstruction XXXX. Mandate Evidence Production Order Wells Fargo to provide security footage from : XX/XX/year> ( XXXX XXXX  ) : Proving Branch XXXXXXXX XXXX presence and confirmation of eligibility XX/XX/year> ( XXXX XXXX  ) : Documenting the assault and restraint XXXX. Financial Remedies {$2500.00} : Promotional bonus promised in writing by authorized bank representatives Compensatory damages : For physical assault, false imprisonment, emotional distress Punitive damages : For bad faith dealing and UDAAP violations XXXX. Accountability Measures Require Wells Fargo to provide a detailed investigation report on : XXXX XXXX XXXX XXXX ( Badge XXXX ) Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How the fraudulent " {$200000.00} '' figure was generated XXXX. XXXX XXXX XXXX Wells Fargo to review and report on branch security policies Mandate training on appropriate customer treatment Require public disclosure if restraining peaceful customers is indeed " policy '' WHY THIS IS A NEW COMPLAINT This complaint is distinct from Case # XXXX because : New violations occurred in Wells Fargo XXXX XX/XX/year> response ( admission of false data, withholding evidence ) Wells Fargo XXXX response itself demonstrates UDAAP violations XXXX bad faith, obstruction ) New evidence has emerged ( admission that $ XXXX figure was fabricated ) The bank 's response reveals systemic issues requiring separate regulatory review SUPPORTING DOCUMENTATION I am attaching the following : Wells Fargo XXXX XX/XX/year> response to CFPB ( showing admission of false data ) Customized Visit Summary from XX/XX/year> Customized Visit Summary from XX/XX/year> Previous CFPB complaint and resolution ( Case # XXXX ) Timeline of contradictory statements from Wells Fargo CONCLUSION Wells Fargo XXXX response to my CFPB complaint has created new violations by : Admitting they used false data while maintaining the denial Withholding evidence of assault while claiming innocence Providing contradictory explanations that prove bad faith The bank 's conduct demonstrates a pattern of unfair, deceptive, and abusive practices that require CFPB XXXX action to protect consumers and ensure accountability. 
I respectfully request the CFPB investigate these new violations and mandate appropriate remedies.

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