Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
EXECUTIVE SUMMARY FORMAL NOTICE OF SYNDICATED BANK FRAUD & FEDERAL OBSTRUCTION Date : XX/XX/2026 Complainant : XXXX XXXX Total Restitution Claimed : {>= $1,000,000} Submitted To : Office of the Comptroller of the Currency ( OCC ) Office of the Ombudsman Consumer Financial Protection Bureau ( CFPB ) Office of Enforcement ( Whistleblower ) FBI Internet Crime Complaint Center ( IC3 ) XXXX Attorney General Consumer Protection Division Primary Case References : OCC Case XXXXXXXX FBI IC3 ID XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Federal Reserve XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX ) I. SUMMARY OF ALLEGATIONS I am reporting what I assert to be syndicated bank fraud, identity fabrication, and obstruction of a federal investigation by Wells Fargo Bank and its third party vendor, XXXX XXXX. The bank submitted three consecutive fraudulent investigative reports to federal regulators, each relying on fabricated personas, falsified correspondence, and unsupported findings to deny my claim for stolen funds totaling {>= $1,000,000}. II. FABRICATED IDENTITIES & FALSIFIED INVESTIGATIVE RECORDS The following names appear in Wells Fargos official responses : Name Role Listed Status Alleged XXXX XXXX, XXXX and XXXX Support Agent Fabricated identity XXXX XXXX XXXX. Support Agent Fabricated identity XXXX XXXX. Support Agent Fabricated identity XXXX XXXX. XXXX XXXX Fabricated identity These individuals do not appear in verifiable employment records, and their communications and signatures are inconsistent with legitimate bank personnel. Their use in official filings constitutes falsification of investigative documentation. XXXX. OTP MISREPRESENTATION & FAILURE TO PROVIDE REQUIRED EVIDENCE Wells Fargos explanation involving One Time Passcodes ( OTPs ) is technically impossible and inconsistent with my device history. I have never requested, received, or used an OTP for any transaction. I can provide every phone number associated with my device to confirm no OTP was ever delivered. OTPs can not be used to withdraw funds without device level authorization. Clarification : Simply having a phone number on file is not enough for someone to walk into a bank or log into an app and drain an account. Banks use phone numbers only as a secure destination for authentication, not as a master key. I am demanding full transaction level evidence, including : All transfers ever performed Date/time stamps Reference numbers Device identifiers Authentication method used The bank has not provided this mandatory information. IV. STATUTES IMPLICATED 18 U.S.C. 1001 False statements to federal agencies 18 U.S.C. 1517 Obstruction of examination of a financial institution 12 CFR 1005.11 ( Regulation E ) Failure to conduct a good faith investigation Texas Notary Law Falsification of notarized acknowledgments and filings V. ENFORCEMENT ACTION REQUESTED I am requesting : 1. Immediate stay on mediation status of XXXX XXXX XXXX XXXX. Forensic identity audit of all individuals named in the banks filings XXXX. Transfer of the case from the XXXX XXXX XXXX ( XXXX ) to the OCC Enforcement Division XXXX. A direct restitution order for {>= $1,000,000}, which I assert has been held unlawfully and purposely XXXX. I am warning you do you representative who wrote this letter by providing me with the name who wrote this because you provided falsified information to the OCC CASE XXXX. Her primary name is XXXX XXXX Who is a third-party vendor known as global data or global payments, which is only to analyze data. She has been falsifying records by deleting files and then overwriting them on multiple occasions! Regards,

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