Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint as a consumer and account holder who has suffered catastrophic financial loss due to a sophisticated and well-documented fraud, and due to the subsequent failure of my banks to respond appropriately, transparently, or within reasonable regulatory timelines. 
Between XXXX and XX/XX/year>, I was the victim of a romance-enabled investment fraud involving a fraudulent cryptocurrency platform operating under the name Onchain Wallet from Growth Labs. Acting under false representations, psychological manipulation, and deliberate deception, I was instructed to transfer funds by wire to accounts represented as legitimate investment destinations. 
As a result, I executed multiple high-value international wire transfers from my XXXX bank accounts held at XXXX XXXX  and Wells Fargo Bank XXXX The total amount transferred exceeded USD XXXX. The recipient bank was located in XXXX. These transfers were induced entirely by fraud. 
Once the fraud was identified, I immediately notified both banks and submitted formal fraud claims. I provided complete supporting documentation, including wire confirmations, transaction dates, recipient details, timelines, and law enforcement references. An Internet Crime Complaint Center report has been filed with the FBI under submission ID XXXX, and a local police report has also been opened. 
Despite this, both XXXX XXXX  and Wells Fargo Bank have failed to provide any meaningful response. To date : I have not received a final determination on my fraud claims I have not been provided with written findings or investigative conclusions I have not been informed whether recalls were attempted in a timely manner I have not been informed whether internal transaction monitoring alerts were triggered I have not been given any explanation as to why international wires of this size, frequency, and destination were permitted without enhanced scrutiny The pattern of transactions should have raised immediate red flags. The transfers were unusually large, repetitive, international, and routed to a foreign jurisdiction known for elevated fraud risk. In my view, the banks failed in their duty to apply reasonable monitoring, escalation, and consumer protection safeguards. 
The continued silence and lack of transparency amounts to unreasonable delay and constructive refusal to address my claims. I believe the banks conduct constitutes negligence and a failure to comply with consumer protection obligations under applicable federal regulations. 
Resolution Requested I respectfully request that the CFPB : Review the handling of my fraud claims by ( case # XXXX ) Wells Fargo Bank Require wellsfargo to provide a full written explanation of their investigations Assess whether failures in monitoring, escalation, or response occurred Determine whether reimbursement is required due to negligence or regulatory non compliance Also on the letter attached you have the contact of my legal representative : XXXX XXXX

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