Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Summary of Complaint : I was the victim of a sophisticated criminal scheme involving Fraudulent Inducement and Extortion by XXXX XXXX XXXX ( XXXX XXXX ). I transferred funds via XXXX XXXX to the scammer. 

XXXX, XXXX is directly liable for my loss due to its documented systemic failures : Violation of CFPB Order/Weak Protocols : I reference the CFPB 's XX/XX/XXXX order against XXXX, XXXX for {$170.00} XXXX. That order found XXXX, XXXX employed weak security protocols and failed to take timely action to prevent fraud. Their acknowledged system failure directly allowed the criminal activity of my scammer to proliferate on their platform, causing my loss. 

Failure to Assist : When I reported this fraud, XXXX XXXX 's customer service provided XXXX assistance, stating there was nothing they could do and blaming me for the loss. This mirrors the CFPB 's finding that XXXX provided inadequate and ineffective customer service ( Source 3.1, 3.2 ). 

Requested Remedy : I demand XXXX, XXXX reimburse me for the full amount of funds transferred to the scammer via their platform and provide a full account of the investigation, as required by the Electronic Fund Transfer Act ( EFTA ) / Regulation E.

II. Script 2 : Complaint Against Wells Fargo/XXXX XXXX This complaint focuses on your total financial injury and the banks ' denial of relief for Coerced Debt. 

Company : Wells Fargo or XXXX XXXX ( Submit a separate complaint for each institution ) Product/Service : Credit card or consumer loan. Problem : Incorrectly applied payment or failure to properly investigate fraud/dispute. 

Summary of Complaint : I am the victim of a large-scale criminal scheme involving Fraudulent Inducement, Extortion, and Financial Abuse by XXXX XXXX XXXX XXXX XXXX XXXX ). My total loss exceeds {$50000.00}, comprising : {$5900.00} in outstanding coerced debt on Account ... XXXX. 

Over {$30000.00} in payments made towards this XXXX  debt since XX/XX/XXXX. 

{$7100.00} in direct transfers/cash withdrawals from my savings. 

The bank committed an unfair and deceptive practice by refusing to acknowledge the coercion : Failure to Investigate XXXX : Despite notifying the bank that the debt was caused by criminal coercion, duress, and fraudulent inducement ( e.g., using threats of abandonment, abusing my protective instincts ), the bank closed the claim based solely on " authorization '' without viewing the evidence ( text messages, police report ) that vitiates my consent. 

FCRA Violation : The bank 's failure to conduct a reasonable investigation of the coercion, followed by its continued reporting of the debt as valid, constitutes a Willful Violation of the Fair Credit Reporting Act ( FCRA ). 

Requested Remedy : I demand the bank immediately : Discharge the full outstanding debt on the card and refund all money paid on that XXXX  debt since the scam began. 

Correct my credit history to reflect the debt as fraudulent.

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