Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am now proceeding with a small claims lawsuit against WellsFargo Bank, N.A., due to multiple unresolved and negligent actions regarding both my checking account and credit card. 
* * Checking Account & Debit Card Issues : * * On XX/XX/XXXX, I received an email stating a new debit card had been issued to meone I neverrequested. That same morning, someone entered the Wells Fargo XXXX XXXX XXXX branch in XXXX and withdrew {$1500.00} in person using that new card. 
I was not notified by text or email about the suspicious in-person withdrawal or the multiple failed ATM withdrawal attempts. I only discovered this by manually logging into my account. 
As a result of the missing funds, my rent payment reversed and my apartment complex charged a {$75.00} reversal fee. They instructed me to contact the bank for reimbursement. 
I went to the XXXX  branch on XX/XX/XXXX to file a formal fraud complaint. On XX/XX/XXXX, the branch manager confirmed that I should have received more immediate communication and offered to escalate the matter. No resolution followed. 
After repeated calls and being transferred between departments, I was informed on XX/XX/XXXX by two helpful agents that I should have been notified earlier that my case manager was out until XX/XX/XXXX. 
They added documentation to my complaint. 
Wells Fargo has changed my account number multiple times over the past two years and sent multiple new cards due to fraud, yet unauthorized access has continued. 
I received an additional fraud text on XX/XX/XXXX, XXXX like the XXXX received on XX/XX/XXXX, before the XX/XX/XXXX fraud occurred. This pattern continues to support my belief of internal misconduct or a data breach. 
I also received a follow-up from the Executive Office stating an investigation was ongoing, but I never received a follow-up response or resolution regarding my formal complaint and legal claim. 
Despite their XX/XX/XXXX email requesting more time to resolve the issue, I still received no response. 
XXXX XXXX failure to notify me in real-time of fraud, the issuance of an unauthorized card, and branch-level negligence has caused undue stress and loss. 
* * Credit Card Issues ( Separate Incident ) : * * On XX/XX/XXXX, I authorized a $ XXXX phone payment. The representative confirmed my checking account had changed and re-established payments. I received a confirmation that XXXX payment would be {$360.00} and XXXX onward would return to $ XXXX. 
On XX/XX/XXXX, I asked for a delay due to hardship, and the payment was moved to XX/XX/XXXX. I was told I still had to pay monthly. I believed this payment went through, but it was returned XXXX XXXX any notification. 
When I called on XX/XX/XXXX, I was told that my XXXX, XXXX, and XXXX payments had all been reversed and that a stop payment had been placedsomething I never authorized. That representative said she would correct it and re-establish autopay. I was told a {$180.00} payment would go through XX/XX/XXXX. 
I received no payment confirmation and no funds were ever withdrawn in XXXX or XXXX. I authorized a payment of {$360.00} on XX/XX/XXXX just to avoid default. 
On XX/XX/XXXX, I spoke to a new representative who again shifted the blame, saying I needed to contact the checking department. I didon XX/XX/XXXX at XXXX p.m.and was told a stop future payment had been placed and they didnt know why. They removed it and transferred me to credit card collections, which was closed. 
Wells Fargo has never provided formal documentation of a stop payment request. No notices were sent to me in XXXX, XXXX, or XXXX. 
Ghost transactions appear in my online banking account under the credit card history, saying paid by phone, when no such payment occurred. 
The same representative I spoke with in XXXX and XXXX clearly gave me misinformation, saying everything was resolved and autopay was re-established. I am now in a XXXX XXXX payment program due to this negligence. 
* * Conclusion : * * Wells Fargo has failed to properly handle both of these matters despite repeated opportunities to correct their mistakes. The pattern of reversed payments, unauthorized card activity, and failed communication represents gross negligence and misrepresentation. 
I am seeking a {$20000.00} settlement to resolve both matters. If no formal settlement is offered, I will pursue the lawsuit fully through the XXXX XXXX XXXX XXXX. Wells Fargo will be served via its registered agent : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

XXXX XXXX XXXX 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