Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
CFPB Submission Cover LetterDate : XX/XX/XXXX To : Consumer Financial Protection BureauXXXX. XXXX XXXXXXXX XXXX XXXXXXXX Subject : URGENT REQUEST FOR INVESTIGATION : Explicit Documentary Proof of Fraudulent Mediation Schemes, Strategic UDAAP Violations, and Retaliatory Case Manipulation by Wells Fargo Bank , N.A.Prior CFPB Case Number : XXXX Wells Fargo Case Numbers : XXXX ( XXXX XXXX. Letter ) & XXXX ( XXXX XXXX. Letter ) Remediation Tracking Reference : XXXX # XXXX Jurisdiction : Opened in XXXX XXXX, California 1. Executive Summary & Formal Demand for Investigation I am filing this formal complaint to alert the CFPB to systemic bad-faith practices, fraudulent misrepresentations, and egregious employee misconduct occurring within the Wells Fargo Enterprise Complaints Management Office . I am directly urging the CFPB to launch an immediate, formal investigation into Wells Fargo 's fraudulent and deceptive " Mediation Program. '' This office is deliberately deploying a deceptive shell game to exhaust victims of past identity theft product scams ( under XXXX XXXX XXXX ). The bank 's own concurrent written correspondence provides absolute, unassailable documentary proof that this entire mediation framework is a rigged process. Furthermore, under the executive watch of CEO XXXX XXXX, systemic deception continues to rot Wells Fargo from the inside out. XXXX XXXX needs to step down and resign immediately. 2. Irrefutable Evidence of a Sham Mediation Scheme ( UDAAP Violations ) The attached physical corporate documents from XX/XX/XXXX, establish a fraudulent paradox and a clear timeline trap : * Oral Deception to Induce Participation : On XX/XX/XXXX, at XXXX XXXX CT, Escalations Representative XXXX XXXX called me on a recorded line to aggressively push mediation. She explicitly stated that only a mediator could decide on a settlement amount, framing the process as a wide-open negotiation. When I challenged this by stating I believed only Wells Fargo had final authority over the funds, XXXX XXXX became visibly angry and hostile. * The Smoking Gun Written Proof of a Rigged Process : Immediately following that call, Wells Fargo finalized a formal corporate letter under case file XXXX, delivered by representative XXXX XXXX. ( XXXX ). This official document states verbatim : You have an option to mediation, however, additional funds will not be awarded. We will act in good faith by participating in mediation.This is an absolute fraudulent paradox. A corporation can not claim it is acting in " good faith '' while printing an executive document stating that the financial outcome of a mediation is locked, predetermined, and barred from awarding remedy. XXXX XXXX intentionally omitted the truth and lied on a recorded line regarding the mediator 's authority to induce me into a sham process, while XXXX XXXX XXXX concurrent letter exposed the trap in writing. 3. Obstruction via Retaliatory Case Closures and Shifting Case Numbers To deliberately obfuscate the audit trail, evade regulatory oversight, and block active remediation disputes, Wells Fargo has deployed a highly calculated administrative XXXX game : * Bad-Faith Regulatory Manipulation : In direct retaliation for my questioning her authority during our XX/XX/XXXX call, XXXX XXXX immediately proceeded to execute an administrative closure of my active CFPB complaint file ( Case Number XXXX ) the moment we got off the phone. * Duplicate Shifting Case Files : Wells Fargo simultaneously issued two separate letters postmarked on the exact same day ( XX/XX/XXXX ) under entirely different case numbers ( XXXX XXXX ) to split the official record. On page 2 of both letters, they state : " We have closed the case as of the date of this letter. '' This tactical fragmentation is executed specifically to hide their predatory remediation scheme from federal investigators and force me into an unmonitored corporate trap. 4. Coordinated Harassment and Deceptive Data Shielding * Employee Mockery : On XX/XX/XXXX, at XXXX XXXX CT, representative XXXX XXXX called me to enforce this predetermined denial, entirely contradicting XXXX XXXX XXXX previous assertions. When pressed on her authority, XXXX XXXX admitted she was a third-party contractor masking as internal executive staff. On this recorded line, she openly snickered and laughed out loud at my financial losses stemming from their unauthorized identity theft product. * Tactical Stalling : This misconduct occurred merely two hours after a Case Manager named XXXX XXXX called at XXXX XXXX CT claiming to represent the Executive Office. XXXX XXXX used a polite demeanor to ask for patience while he " checked into things '' a strategic mechanism designed solely to disarm and pacify me. I have received zero follow-up from him since. * Proof of Record Spoliation : XXXX XXXX and XXXX XXXX claimed on recorded lines that all transaction records from the active product window ( XX/XX/XXXX, through XX/XX/XXXX ) are permanently destroyed and absent from microfiche. This is a mathematical lie. In XXXXXXXX XXXX XXXX own letter ( Case # XXXX ), the database explicitly itemizes Product Charges of {$100.00} and Associated Bank Fees of {$100.00}, totaling processed totals of {$200.00}, alongside a past check history of {$490.00} and references to a {$1700.00} pre-mediation settlement history. They can not calculate ledger metrics down to the XXXX while claiming records are deleted ; they are intentionally shielding data to prevent me from assessing my massive consequential damages. 5. Statutory Data Demand & Preserving the Audio Record ( CCPA/CPRA ) Because this account was established in XXXX XXXX , California, I am fully protected under California financial and consumer privacy statutes. I formally invoke my Right to Know and Right to Access under California Civil Code Section 1798.100 et seq. I request that the CFPB compel Wells Fargo to preserve and produce : The complete underlying system database ledger and metadata logs that generated the calculations of {$100.00}, {$100.00}, {$200.00}, {$490.00}, and {$1700.00} spanning XX/XX/XXXX, through XX/XX/XXXX. Full, Unedited Audio Files and Written Transcripts of all phone conversations between myself and Wells Fargo from XX/XX/XXXX, through XX/XX/XXXX ( specifically including the XX/XX/XXXX call with XXXX XXXX, the XX/XX/XXXX call with XXXX XXXX, the XX/XX/XXXX call with XXXX XXXX. where she became hostile and subsequently closed the CFPB file, the XX/XX/XXXX call with XXXX XXXX, and the XX/XX/XXXX call with XXXX XXXX where she snickered and laughed ). Historical Audio Files and Transcripts of all past recorded conversations between myself and representative XXXX XXXX.Complete Account History Logs, Agent " Notelines, '' and XXXX associated with XXXX # XXXX across all fractured case numbers. Sincerely,

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