Consumer complaint received 2026-04-11 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: NJ

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Bank, N.A.s handling of a dispute involving unauthorized electronic fund transfers, in potential violation of the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E ( 12 C.F.R. 1005 ). On or about XX/XX/year>, I reported a series of unauthorized debit card transactions and initiated Claim # XXXX. The claim initially included XXXX transactions totaling {$4400.00}, with total damages approximating {$4700.00}. These transactions were processed by merchants identified as XXXX and XXXX over a condensed time period and exhibit a classic fraud pattern ( including initial nominal test charges followed by multiple higher-value transactions in rapid succession ). I expressly notified Wells Fargo that I did not authorize any of these transactions and did not receive any goods or services of value in connection with them. I also made good faith attempts to resolve the matter directly with the merchants, who refused to provide any remedy. Additionally, I am in the process of filing a police report concerning this fraudulent activity. Despite this, Wells Fargo has unilaterally removed multiple transactions from the dispute without my authorization. The claim history reflects entries stating, We removed the transaction from your claim, and certain transactions have been reclassified as authorized, which is inaccurate and unsupported. All disputed transactions are part of a single, continuous unauthorized transaction event. Wells Fargos segmentation and removal of transactions materially mischaracterizes the nature of the claim and undermines the integrity of the investigation. Wells Fargos conduct raises serious concerns under Regulation E, including but not limited to : Failure to conduct a reasonable investigation of reported unauthorized electronic fund transfers ( 12 C.F.R. 1005.11 ( c ) ). Improper limitation or recharacterization of disputed transactions without adequate evidentiary basis. Failure to provisionally credit disputed amounts in a timely manner, as required when an investigation can not be completed within 10 business days ( 12 C.F.R. 1005.11 ( c ) ( 2 ) ). Requested Resolution : 1. Immediate reinstatement of all removed transactions into Claim # XXXX. 2. A comprehensive investigation treating all transactions as part of a single unauthorized electronic fund transfer event. 3. Issuance of provisional credit for the full disputed amount pending completion of the investigation. 4. Written confirmation of the basis for any prior removal or reclassification of transactions. 5. Assurance that my account has been secured against further unauthorized activity. Wells Fargos current handling of this matter appears inconsistent with its obligations under federal law and has resulted in significant financial harm. I request prompt corrective action and full compliance with applicable regulatory requirements. Consumer Information : XXXX XXXX XXXX XXXX XXXX, New Jersey Phone : XXXX Email : 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