Consumer complaint received 2026-03-05 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: TX

Complaint narrative:
I am submitting this fourth complaint regarding XXXX XXXX handling of my unauthorized electronic fund transfer claim. At this point, I am formally alleging violations of the Electronic Fund Transfer Act and Regulation XXXX ( XXXX CFR XXXX ), including failure to conduct a reasonable and complete investigation, failure to investigate all reported transactions, and failure to issue provisional credit despite extended delays. This matter has now developed into a pattern of procedural mishandling rather than a simple dispute over transactions. First, the XXXX XXXX executive assigned to my case conducted XXXX prior investigations ( case number : XXXX and XXXX ) that resulted in denials. However, the investigation was clearly incomplete and inaccurate. The number of transactions he claimed to have investigated and the total dollar amount referenced in the denial letters do not match the approximately XXXX unauthorized transactions and higher total reflected in my Wells Fargo banking app. These discrepancies were raised multiple times, yet they were never reconciled before both complaints were denied. Second, on XX/XX/year>, I reported XXXX additional unauthorized transactions. Those XXXX transactions were never added to the original claim, and no new claim was opened to investigate them. Despite being reported on XX/XX/XXXX, and despite raising this issue in multiple complaints, nothing has been done to process or investigate those transactions. As of XX/XX/year>, a full month has passed with no action taken. This represents a clear failure to investigate reported errors after receiving notice. Third, throughout this entire process Wells Fargo has failed to issue any provisional credit. Considering the significant number of disputed transactions, the prolonged delays, and the banks inability to conduct a complete investigation, provisional credit should have been issued while the investigation was ongoing. Instead, the bank denied my claim based on investigative findings that do not match the transaction records in my account. Despite these unresolved issuesincluding inaccurate transaction counts, incorrect total dollar amounts, and failure to include all reported transactionsmy complaint ( case number : XXXX ) has once again been assigned to the same XXXX XXXX executive who previously conducted the incomplete investigations and issued the prior denials. Reassigning the matter to the same decision-maker after documented investigative discrepancies raises serious concerns about impartiality and the integrity of the review process. To summarize the ongoing issues : The number of transactions investigated does not match the approximately XXXX unauthorized transactions reflected in my banking app. The total dollar amount referenced in denial letters does not match the amount shown in my account history. XXXX transactions reported on XX/XX/year> were never added to the claim and were never investigated. No provisional credit has been issued at any point despite extended delays and incomplete investigations. My complaint has repeatedly been reassigned to the same XXXX XXXX whose prior investigations contained these discrepancies. Because this issue now involves repeated investigative discrepancies, failure to process reported transactions, and the absence of provisional credit despite extended delays, I am requesting that this matter be reviewed not only as an individual dispute but also for potential systemic compliance concerns related to XXXX XXXX handling of Regulation XXXX error resolution procedures.

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