Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Formal Complaint Wells Fargo Unauthorized Accounts, Identity Theft, and Consumer Harm Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Wells Fargo Bank, stemming from unauthorized account activity, potential identity theft, and financial harm caused by mismanagement of my personal information. I held an account with Wells Fargo back in XXXX, ( for at least XXXX years after or prior ) and I have strong reason to believe that my personal information possibly may have been compromised, misused, or possibly sold, resulting in unauthorized accounts, product enrollments, and fees incurred without my consent. 

Despite repeated attempts to resolve these matters directly with Wells Fargo, no adequate resolution has been provided. The specific issues include : * Unauthorized fees, including overdraft and ATM fees * Auto loans or financing opened without consent * Interest fees not properly credited * Enrollment in insurance or other financial products without authorization * Unauthorized accounts opened under my name * Other bank products enrolled without my approval The cumulative impact of these actions has materially altered my financial trajectory, limited opportunities, and potentially affected my ability to access credit with other institutions. Living in a low-income region and being part of a racial minority may have compounded these disadvantages, creating systemic harm. 

Given the scope and severity of these issues, I am requesting the CFPB to initiate a formal investigation into XXXX XXXX practices concerning my case, specifically regarding unauthorized account activity, misuse of personal data, and potential violations of the following laws : * * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) * * * * * Equal Credit Opportunity Act ( XXXX, XXXX U.S.C. XXXX et seq. ) * * * * * Gramm-Leach-Bliley Act ( XXXX, XXXX U.S.C. XXXX et seq. ) * * * * * Other applicable federal and state consumer protection statutes * * Attached is a detailed formal notice sent to Wells Fargo, outlining my demands for a full investigation, restitution for fees and financial damages, and immediate measures to prevent further misuse of my personal information. 

I respectfully request CFPB oversight and intervention to ensure that Wells Fargo addresses these violations promptly and in full compliance with all legal and regulatory standards. Failure to investigate these practices may allow ongoing systemic harm to continue to affect consumers like myself. 

Thank you for your attention and anticipated action. I am prepared to provide any additional documentation or evidence required to support this complaint.

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