Consumer complaint received 2026-05-22 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: FL

Complaint narrative:
RE : CFPB Complaint # XXXX REBUTTAL TO WELLS FARGO FINAL RESPONSE DATED XX/XX/XXXXXXXX Wells Fargos XX/XX/XXXXXXXX letter admits to multiple willful violations of Regulation E 12 CFR 1005.11 and the Electronic Fund Transfer Act 15 USC 1693 . Bank records prove systematic illegal reversals of provisional credit. * {$780.00} remains illegally debited from my account. * I request immediate CFPB Enforcement referral. * BACKGROUND : TIMELY FILING & FRAUD PATTERN * 1. XXXX XXXX XXXX XXXX : 11 unauthorized charges posted from international merchants : XXXX XXXX, XXXX, XXXX, XXXX, XXXX. * Total fraud amount : {$1100.00}. * XXXX. XXXX XXXX XXXX : I filed first Reg E claim, just 6-8 days after transactions. Reason : No confirmation numbers, no tracking info, merchant websites disappeared. This meets CFPB XXXX XXXX definition of fraud merchant misrepresentation inducing authorization. XXXX. XXXX XXXX XXXX : Wells Fargo issued provisional credits for Claim # XXXX, proving bank recognized fraud pattern. XXXX. XXXX XXXX XXXX : Wells Fargo illegally reversed provisional credits, 36 days later, after previously closing claim as Good news! We credited your account. XXXX. XXXX XXXX XXXX : Filed second claim # XXXX. Bank credited same day. XXXX. XXXX XXXX XXXX : Wells Fargo reversed credits again 61 days later. XXXX. XXXX XXXX XXXX : Filed current claim. As of XX/XX/XXXX, claim still OPENED 43 days with no provisional credit. XXXXXXXX XXXX XXXX XXXX : Wells Fargo reversed same credits A SECOND TIME. 9. * To Date * : * 2 transactions were permanently refunded by Wells Fargo. {$780.00} remains outstanding * from the original {$1100.00} fraud total. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, verbally admitted prior denial letters were wrong and cited illegal 120-day merchant timeframe defense. XXXXXXXX XXXX XXXX XXXX : Wells Fargos written response admits multiple violations detailed below. * VIOLATION 1 : FALSE STATEMENTS DURING REG E INVESTIGATION 12 CFR 1005.11 ( d ) ( 1 ) * Wells Fargos XX/XX/XXXXXXXX letter states : Letters indicating that the merchandise was delivered were sent in error, and we regret any misunderstanding... The prior statements regarding delivery should not be relied upon. Reg E requires accurate written explanations of investigation results. Sending false written findings to close a claim is a willful violation. Each false letter = separate violation. * VIOLATION 2 : BAD FAITH INVESTIGATION DENIAL WITHOUT EVIDENCE 12 CFR 1005.11 ( c ) * Wells Fargo admits : We determined that we did not receive any delivery confirmation... we are unable to provide proof of delivery yet closed claim as denied. Under Reg E, the bank bears burden of proof. Denying while admitting zero evidence of delivery is bad faith and violates 12 CFR 1005.11 ( c ). * VIOLATION 3 : ILLEGAL 120-DAY MERCHANT TIMEFRAME DEFENSE 12 CFR 1005.11 * Wells Fargo states : Timeframe for requesting a refund with the merchant has expired Reg E deadline is 60 days from statement date to report to BANK. I reported XX/XX/XXXX, within 60 days of XX/XX/XXXXXXXX transactions. Merchant chargeback windows are irrelevant to Reg E liability. * VIOLATION 4 : MISREPRESENTING REG E LAW ON SCAM-INDUCED TRANSFERS * Wells Fargo claims scam-induced payments are authorized and not Reg E errors [ Page 5 ]. This contradicts CFPB XXXX XXXX and 12 CFR 1005.2 ( m ). When consumers are tricked by merchant misrepresentation website disappearing, no confirmation, no tracking the transfer is an unauthorized EFT even if consumer initially approved. * VIOLATION 5 : ILLEGAL REVERSAL OF PROVISIONAL CREDIT 12 CFR 1005.11 ( c ) ( 2 ) * Bank records attached show : - * Claim # XXXX * : Provisional credits posted XX/XX/XXXX, reversed XX/XX/XXXXXXXX 36 days later. - * Claim # XXXXXXXX XXXX XXXX XXXX credits posted XX/XX/XXXX, reversed XX/XX/XXXXXXXX and AGAIN XX/XX/XXXX XXXX and 82 days later. 12 CFR 1005.11 ( c ) ( 2 ) prohibits reversal unless investigation concludes no error occurred. Wells Fargo admits it found no delivery proof. Therefore all reversals were illegal. * {$780.00} from original {$1100.00} fraud remains illegally debited. * * VIOLATION 6 : FAILURE TO PROVIDE PROVISIONAL CREDIT 12 CFR 1005.11 ( c ) * Current claim opened XX/XX/XXXX remains OPENED as of XX/XX/XXXXXXXX XXXX calendar days. Reg E requires provisional credit within 10 business days if investigation exceeds 10 days. Wells Fargo owes temporary credit immediately for remaining {$780.00}. * VIOLATION XXXX : FALSE STATEMENTS TO REGULATOR WRONG CLAIM DATES * * CONSUMER HARM * The illegal retention of {$780.00} directly contributed to mortgage default. I have imminent foreclosure hearing XX/XX/XXXX, XXXX XXXX FL, Case XXXX. I have XXXX income due to medical hardship XXXX XXXX XXXX and with XXXX pending. * REQUESTED RESOLUTION * 1. * Immediate permanent credit of {$780.00} * remaining balance from original {$1100.00} fraud 2. * Statutory damages {$1000.00} * under 15 USC 1693m for willful violations 3. * CFPB Enforcement referral * for false statements, bad faith investigation, systematic illegal reversals 4. * Written finding of Reg E violations * before XX/XX/XXXXXXXX for court use 5. * Full audit * of Claims # XXXX and # XXXX * EVIDENCE ATTACHED * XXXX. Wells Fargo XXXX XXXX XX/XX/XXXX 8 pages showing admissions 2. Bank Screenshots 6 images showing {$1100.00} original fraud, provisional credits, illegal reversals, and {$780.00} still owed Wells Fargos letter is a signed confession. I request CFPB obtain call recording from XXXX XXXX, XXXX, XX/XX/XXXX. Submitted XX/XX/XXXXXXXX XXXX XXXX XXXX Why This Math Matters To CFPB * * {$1100.00} original fraud - XXXX refunds = {$780.00} owed * XXXX i am honest! XXXX not trying to double-dip on refunded amounts XXXX. Wells Fargo is wrong They claim XXXX liability, but admit XXXX transactions were fraud XXXX. I am exhausted fighting this. I have had multiple calls with Wells Fargo since XX/XX/XXXXXXXX trying to dispute this. Everytime, they found a different reason to deny the claim. Our XXXX was ruined by this scam website.

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