Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
* * Complaint Against Wells Fargo Bank , N.A . Unauthorized Account Setoff and Failure to Provide Notice of Alleged Judgment * * * * Consumer : * * XXXX XXXX XXXX. * * Bank : * * Wells Fargo Bank , N.A . * * Product : * * Credit Card / Deposit Account * * Amount in Dispute : * * {$3400.00} * * Date of Transaction : * * XX/XX/year> * * Complaint Summary * * I am filing this complaint regarding XXXX XXXX unauthorized withdrawal of * * {$3400.00} * * from my Wells Fargo savings account labeled * * Legal Recovery Set-off. * * The bank claims this withdrawal was made to satisfy a charged-off credit card debt and asserts that a * * court judgment exists against me * *. However, I have * * never received any summons, complaint, service of process, or court notice * * regarding any lawsuit or judgment related to this alleged debt. On * * XX/XX/year> * *, Wells Fargo removed {$3400.00} directly from my savings account without prior notice, without providing documentation of a judgment, and without verifying that I had ever been properly served with any legal action. Because I was never notified of any litigation or court proceeding, the banks actions raise serious due-process and consumer-protection concerns. -- - * * Issues With Wells Fargos Actions * * 1. * * Failure to Provide Notice of Alleged Judgment * * Wells Fargo has claimed that a judgment exists, yet I have never been served with any lawsuit or court papers. If a judgment exists, I have not been provided with : * The court name * Case number * Copy of the complaint * Proof of service * Copy of the judgment Without these documents, I can not verify that the alleged judgment is legitimate or that proper legal procedures were followed. -- - 2. * * Improper Use of Right of Setoff * * Wells Fargo removed funds from my deposit account through what they labeled a * * Legal Recovery Set-off. * * However, a banks right of setoff must be exercised lawfully and can not rely on disputed debts or judgments obtained without proper notice. Removing funds without verifying that the consumer was properly served raises serious concerns of unfair or abusive conduct. -- - 3. * * Possible Violations of Federal Consumer Protection Laws * * Wells Fargos actions may violate multiple federal consumer protection laws, including : * * * Fair Credit Billing Act ( 15 U.S.C. 1666 ) * * failure to properly investigate billing disputes and unauthorized charges. * * * Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) * * failure to ensure the accuracy and reliability of information used to collect a debt. * * * Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) * * under * * 12 U.S.C. 5531 * *. Consumers must be provided notice and an opportunity to dispute debts before funds are seized from their accounts. -- - * * Attempts to Resolve * * After discovering the withdrawal, I attempted to obtain clarification from Wells Fargo regarding the alleged judgment and the legal authority used to remove funds from my account. I have not been provided documentation confirming the existence of the judgment or proof that I was properly served with the lawsuit. -- - * * Requested Resolution * * I respectfully request that Wells Fargo be required to : 1. Provide * * certified documentation of the alleged judgment * *, including court name, case number, and proof of service. 2. Conduct a * * formal investigation into the withdrawal * * of {$3400.00} from my savings account. 3. * * Reverse and refund the funds * * pending verification that the judgment is valid and enforceable. 4. Provide a * * full written explanation * * of the legal authority Wells Fargo relied upon to execute the setoff. If Wells Fargo can not demonstrate that I was properly served and that the judgment is valid, the withdrawal should be considered improper and the funds should be returned. -- - * * Consumer Statement * * I am willing to cooperate with any investigation necessary to resolve this matter. However, Wells Fargo should not be permitted to remove funds from consumer accounts based on judgments that the consumer was never notified about. I respectfully request that the Consumer Financial Protection Bureau review this matter and require Wells Fargo to correct this issue. Sincerely, 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