Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX CC : XXXX XXXXXXXX XXXX XXXX  XXXX Wire Inquiry - XXXX, XXXX XXXX XXXX Attorney | NY Attorney General XXXX XXXX XXXX XXXX XXXX XXXX | Department ( XXXX ) of Criminal Justice for the State of Virginia Re XXXX Pre-Litigation Demand and Notice of Intent to File Civil Action Confirmed Wire Fraud ( {$25000.00} ) Dear Sir or Madam, I am writing regarding a confirmed wire fraud in the amount of {$25000.00}, which occurred on XX/XX/XXXX. 

While the wire transfer was initially authorized, upon discovering that the transaction was fraudulent, I immediately contacted XXXX XXXXXXXX XXXX to request a recall of the funds. Despite this prompt notification, no recall or escalation action was undertaken until approximately XXXX weeks later, by which time the funds could no longer be recovered through routine banking channels. 

Following escalation and review, Wells Fargo Bank , N.A . has acknowledged in writing that : The wire transfer at issue was fraudulent ; The receiving account holder was identified ; acknowledged by representative - XXXX XXXX, Executive Office Case Specialist | XXXX ( letter dated XX/XX/XXXX ) | Wells Fargo Case Number - XXXX Wells Fargo formally requested the return of the misappropriated funds from the account holder ; and The account holder explicitly refused to return the stolen funds. 

Despite this confirmation, identification, and refusal, the funds have not been returned, nor has sufficient remedial action been taken to facilitate recovery. 

For clarity and to assist coordination, this correspondence has been copied to appropriate Virginia law enforcement agencies for jurisdictional awareness, in light of the identified account holder, confirmed fraud, and refusal of restitution : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX  : Wells Fargo Bank , N.A . 

Routing Number : XXXX Checking Account Number : XXXX Phone Number Used in Fraud : ( XXXX ) XXXX In parallel, an IC3 complaint was filed with the FBI within hours of the incident, and while the submission was acknowledged, no follow-up or investigative action has occurred to date, further necessitating pursuit of civil remedies. 

In addition, a formal complaint was logged with the XXXX XXXX XXXX XXXX XX/XX/XXXX, and while the matter was recorded by a representative at that time, no enforcement action or formal inquiry has occurred to date, necessitating pursuit of civil remedies to compel accountability and disclosure. 

For the New York Attorney Generals Office, this correspondence is provided in support of its mediation role and to document that the fraud has been confirmed, the recipient identified, and restitution formally refused, necessitating escalation to civil remedies absent timely resolution per claimant direct call to the XXXX XXXX XXXX on Friday, XX/XX/XXXX ( Intake # XXXX ) This correspondence therefore serves as formal pre-litigation notice and notice of intent to file a civil action in the Supreme Court of the State of New York XXXX XXXXXXXX XXXX XXXXXXXX XXXX should this matter not be resolved promptly. 

NOTICE OF RECORD PRESERVATION Wells Fargo Bank , N.A . and XXXX XXXXXXXX XXXX XXXXXXXX. are hereby placed on notice to preserve all documents, data, and electronically stored information related to this matter, including but not limited to : Account opening and XXXX documentation Wire transfer records and transaction histories Access logs, IP data, and device identifiers Internal fraud determinations, escalation timelines, and findings Communications concerning the investigation, restitution request, and refusal This preservation notice is issued in anticipation of litigation. 

REQUEST FOR COORDINATION AND COOPERATION In light of the confirmed fraud, identified recipient, and refusal of restitution, I respectfully request coordination and cooperation to facilitate recovery of the misappropriated funds and to prevent any further dissipation. 

Nothing herein constitutes a waiver of any rights or remedies, all of which are expressly reserved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 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