Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/year> VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED FEDERAL EXPRESS OVERNIGHT DELIVERY * * * AND IMMEDIATE SECURE MESSAGE / EMAIL DELIVERY Wells Fargo & Company * * Attn : XXXX XXXX XXXX XXXX & XXXX * * * * Attn : XXXX XXXX XXXX General Counsel & Chief Legal XXXX * * * * Attn : Chief Risk XXXX * * * * Attn : Chief Fraud XXXX * * * * Attn : Board of Directors * * XXXX XXXX XXXX XXXX XXXX, CA XXXX Wells Fargo Bank , N.A . 
* * Fraud Department / Enterprise Complaints Management Office * * XXXX XXXX XXXXXXXX ( and all related ECMO cases : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) Account ending in XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX  Re : ULTIMATE FINAL PRE-LITIGATION DEMAND AND FORMAL NOTICE OF INTENT TO FILE $ XXXX LAWSUIT TOMORROW OUTRAGEOUS BAD-FAITH GASLIGHTING, SHAMELESS SELF-CONTRADICTION, GROSS NEGLIGENCE, WILLFUL SECURITY BREACH, AND CRUEL MISTREATMENT OF A TERMINAL XXXX PATIENT Your XX/XX/year> Sham Response Letter * * * * THIS IS YOUR LAST CHANCE. COMPLY FULLY WITHIN XXXX HOURS OR I FILE SUIT IN COURT TOMORROW MORNING, XX/XX/year>. * * Your XX/XX/year> letter from XXXX XXXX of the XXXX XXXX XXXX XXXX is nothing short of disgusting corporate arrogance and blatant gaslighting. In XXXX breath you claim we were unable to find any indicators present confirming fraud and that the transactions ( including the {$900.00} unauthorized ACH you previously accepted as stolen ) were authorized. 

In the very next breath you admit you * * XXXX my online banking access to protect [ my ] account from potential fraud * * and that you are * * closing my account ending in XXXX because of a pattern of security risks. * * * * YOU CAN NOT HAVE IT BOTH WAYS. * * By locking my account for potential fraud and terminating the relationship due to a pattern of security risks, * * Wells Fargo has now provided irrefutable written proof that you knew or should have known my account was compromised and at severe risk of fraud * *. Your own actions scream that this is a legitimate identity theft and security breach case. Your attempt to deny the obvious while punishing the victim is despicable, morally bankrupt, and legally indefensible. This is the clearest admission against interest I have ever seen from a bank. 

To make your bad faith even more outrageous : - I provided you with official * * FTC Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Police Report XXXX XXXX XXXX XXXX XXXX 
- I gave you proof that my Social Security Number was used to open fraudulent credit at XXXXXXXX XXXX under a different name. 
- In yesterdays conversation with your Executive Office, you denied this is an identity theft case while Wells Fargo had already accepted that {$900.00} was stolen via unauthorized ACH.

Yet you still refuse to issue the * * mandatory provisional credit * * after more than ten business days, provide XXXX victim protections, and now punish me by closing my account during the most critical phase of my fight for survival. 

I am undergoing aggressive treatment for * * terminal XXXX ( GBM ) * * an aggressive, life-threatening XXXX XXXX. Your reckless delays, shameless gaslighting, punitive account closure, and complete abandonment have caused me * * catastrophic emotional distress * *, crushing anxiety, XXXX, financial devastation, and direct physical worsening of my condition at the worst possible time in my life. Your callous, inhumane treatment of a XXXX customer is beyond contempt and will not be tolerated. 

* * Wells Fargo has committed willful, egregious violations of the following laws : * * 1. * * Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, 12 C.F.R. 1005.11 * * Mandatory investigation and * * provisional re-crediting of the full disputed amount within ten business days * * for unauthorized electronic transfers/ACH. Your own security actions prove the transfers were unauthorized.

2. * * Fair Credit Reporting Act ( FCRA ) / FACTA, 15 U.S.C. 1681 et seq. * * Willful refusal to properly investigate and assist after receiving official identity theft reports.

3. * * California Identity Theft Act ( CITA ), Cal. Civil Code 1798.921798.97 * * Failure to promptly investigate and remedy upon receipt of valid police and FTC reports.

4. * * California Unfair Competition Law ( UCL ), Bus. & Prof. Code 17200 et seq., and California Consumer Financial Protection Law * * Unlawful, unfair, deceptive, and fraudulent business practices.

5. * * Breach of Contract and Breach of the Implied Covenant of Good Faith and Fair Dealing * * ( California and common law ).

6. * * Gross Negligence and Breach of Security Obligations * * ( including Gramm-Leach-Bliley Act security requirements ).

7. * * Negligent and Intentional Infliction of Emotional Distress * * directed at a terminally ill, disabled customer. 

* * NON-NEGOTIABLE DEMANDS TO BE FULLY SATISFIED NO LATER THAN XXXX XXXX XXXXXXXX XXXX TOMORROW, XX/XX/year> ( 24 HOURS FROM DELIVERY ) : * * 1. Immediately reverse your fraudulent denial and issue * * full permanent reimbursement * * of every disputed transaction, including the XXXX XXXXXXXX unauthorized ACH, plus reversal of all fees and interest. 
XXXX. Wire or immediately deposit * * {>= $1,000,000} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in compensatory damages for severe emotional distress, pain and suffering, medical aggravation, and all other harms caused by your outrageous misconduct. 
XXXX. Immediately halt the forced closure of account ending in XXXX or provide full resolution and unrestricted access to funds before closure. 
4. Issue a new account number and cards with maximum fraud protections at no cost.

5. Provide three ( 3 ) years of premium identity theft protection and credit monitoring at Wells Fargos sole expense.

6. Provide a signed written admission that this is a confirmed identity theft and security breach case caused by Wells Fargos failures, that I bear * * XXXX liability * *, and coordinate with XXXXXXXX XXXX  on the fraudulent line of credit. 
7. Assign a dedicated Vice President-level or higher executive as my single point of contact.

If Wells Fargo fails to comply * * 100 % and immediately * *, I will file a civil lawsuit against Wells Fargo Bank, N.A., Wells Fargo & Company, and responsible executives * * tomorrow morning, XX/XX/year>XXXX XXXX XXXX  in the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and/or appropriate federal court, seeking * * at least {>= $1,000,000} in compensatory damages, punitive damages for willful misconduct, statutory penalties, treble damages under California XXXX XXXX attorneys fees, costs, and injunctive relief * *. I will simultaneously file formal complaints with the * * CFPB, California XXXX, XXXX, FTC, and California Attorney General * *, and I will not hesitate to expose your disgraceful mistreatment of a terminal XXXX patient to the public and media. 

This is * * NOT * * a bluff. Your XX/XX/XXXX letter, yesterdays XXXX conversation, and your own contradictory admissions will be Exhibit A in court. 

The time for your corporate lies, delays, denials, and cruelty is over. * * Comply immediately or prepare to defend your actions in open court tomorrow. * * Sincerely, XXXX XXXX XXXX Account Holder Account ending 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