Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing to file a formal complaint regarding a check issued by XXXX XXXX that was made payable to me, but was deposited without my consent into an account that I do not own. I am requesting an urgent investigation and reimbursement. 

Background I was listed on the XXXX homeowners insurance policy ( under XXXX XXXX XXXX, my maiden name ) for the property located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, where I lived for over 20 years. In XX/XX/XXXX, there was a Category 3 water loss at that home. XXXX issued a claim check in the amount of {$16000.00}, made payable to XXXX XXXX. 

The check was dated XX/XX/XXXX and was cashed in early XX/XX/XXXX at Wells Fargo Bank, but I was never notified and did not authorize this deposit. 

How the Check Was Wrongfully Deposited The check was mailed to my parents home, not to me, because my contact info was removed from the policy by the Power of Attorney at the time, my brother XXXX XXXX and XXXX XXXX. 
One of them took my mother, XXXX XXXX XXXX, to the bank and had her deposit the check, despite it being made out to me XXXX XXXX. 
My mother did not understand the check was issued to me. Our names are similar, and she did not intend to commit any wrongdoing. 
Wells Fargo accepted this check for deposit without verifying the correct payee or requiring proper endorsement. 

My Rights Were Obstructed I was blocked from contacting XXXX for months by my siblings, who had POA and access to the policy. 
I was only able to learn about the existence and amount of the check when I visited XXXX with my mother in XX/XX/XXXX. 
Until recently three weeks ago I did not even know what bank had cashed the check. Now that I have confirmation it was Wells Fargo, I am requesting an immediate investigation. 
After the estate went into probate, my siblings transferred the funds to another bank, and I was still not provided any access or information, despite being the legal payee. 

Additional Facts My brother XXXX XXXX and XXXX XXXX XXXX had Power of Attorney and were trustees over my fathers accounts while he was hospitalized. 
I have text messages proving that XXXX repeatedly denied any knowledge of the check. 
I have a letter from XXXX showing that my contact info had been removed from the policy and replaced with my parents address. 



I Am Requesting : XXXX. A full investigation into how Wells Fargo accepted a check not made out to the account holder. 
XXXX. A copy of the front and back of the check, including the endorsement. 
XXXX. Immediate reimbursement of the {$16000.00}, as this check was legally mine and deposited without my permission. 
XXXX. Clarification of the procedures followed during deposit and where they failed. 
XXXX. Coordination with XXXX if necessary to have a new check issued, if funds are unrecoverable. 
XXXX. All documentation necessary for me to provide to probate court or legal authorities. 



This has caused me enormous stress and financial hardship. I have exhausted every avenue to resolve this through XXXX, the bank, and my family, and I am now formally asking your institution to correct this mistake and restore what is lawfully mine.

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