Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Demand Letter for Provisional credit ( Simple billing and accounting error which the cash receipt proves. This is in o way fraud, or any type of Negligence from the merchants- played by other means cash before checkout of the motel who is corrected and honestly XXXX communication error between the husband and wife the motel. Simple billing or you're counting error. I I'm clearly making sure that the simple problem gets classified exactly how it should be and unnecessary waste of time of the bank 's resources which would be inappropriate use of it extension investigation. TO : Wells Fargo Bank , N.A . ( Dispute Resolution/Executive Office ) DATE : XX/XX/year> SUBJECT : FORMAL DEMAND FOR PROVISIONAL CREDIT Dispute Claim # XXXX To the Disputes Manager, I am writing this formal letter of demand regarding a billing error on my account ending in XXXX for a transaction at XXXX XXXX XXXX XXXX XX/XX/year>, in the amount of {$100.00}. This is a clear duplicate billing error. I paid the motel {$100.00} in cash and have already provided Wells Fargo with a clear, legible copy of the cash receipt as evidence. Despite this indisputable proof, my account has not yet been credited. And evidence of courtesy that you also secure the the backing of substantial evidence of the cash receipt. Under advisement and upset with a bad banking practice and individual phone colors that's what's the right disrespectful. And to be clear specifically this is a simple billing error obviously which generally would not required excessive investigation wasting Wells Fargo and turtle time labor and resources. Wells Fargo has been is our family for years this recent negligence I have written this thing troubles me. I trust Wells Fargo above others that's my financial institution. The something so simple as this the normally would not even be treated to it for exactly investigation. That's really under the federal regulatory if past the main paragraph it's just it says either financial institution or or me the owner and finer checking account. So that be sad and providing the evidence I hear but I give legal and notice and to remind of regulation to E. Wells Fargo is my bank I like the products and services customer service the convenience it's rare when we need to come to our bank with a dispute and it be treated I pretty much really didn't care of the agents. I don't know what's going on and to pay the department. But I believe bake as a whole customer service back of house or in claims I made the standards that you were sent by is what you providedly for years the satisfaction and financial care for all of us part of his customers while providing security and safeguard for our accounts at a bank that not only follows usually you know regulatory rules of law the sense example. I still trust and maintain my loyalty to Wells Fargo. But any of you personally would act the same my personal checking account and I came to you with a simple paid by other means and with the copy of the cash receipt. That part is your decision but I love you long enough if I forget it should have been solved really quickly. This disappoint. I ask of you to please ringing my professional faith and respect this process. I need a simple request that was not privilege of fraudulent and anyway I just type of claim a Little party factory okay yes go either way technically it could have been made into a perfect credit with the evidence and consider the better closed. I politely asked a thank you manager over the phone that you end up in me which makes perfect sense this should be visual credit because you want to go to do this unnecessary hang out long investigation I wouldn't find with. So I'm giving you notice as follows also under advisement for the financial advocate and the California State controller 's office : Legal Notice under Regulation E : Under the Electronic Fund Transfer Act ( Federal Regulation E ), financial institutions are required to investigate reported errors promptly. Specifically, if a final determination can not be made within 10 business days, the bank is legally required to provide provisional credit for the amount in question while the investigation continues. Since I have fulfilled my obligation by providing direct evidence of " Payment by Other Means, '' I am now demanding : Immediate Provisional Credit : Please issue the {$100.00} to my account within XXXX hours. Expedited Resolution : This is not a " fraud '' case requiring complex investigation ; it is a simple accounting error that my receipt proves. Be advised that if this credit is not issued, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( XXXX ) for failure to adhere to Regulation E requirements. I expect a response and the restoration of my funds immediately. Any further delay I'm afraid may damage your professional relationship and figures of trust that happened wells Fargo. Please professionally being a strong bank that I know that you are with the compassion for me and every customer please do not make this go ready further wasting time it's a follow up with you guys and I don't like unnecessary dramatic like this don't put me in a situation where they're pushing me at the same controllers advocacy to file a regulatory organization and the consumer financial.protection bureau. Submitted respectfully, Wells Fargo loyal consumer banking customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Attached this email you will see the simplified cash receipt from the XXXX XXXX XXXX XXXXXXXX XXXX Under the Federal banking regulation in this case however the transaction error and the enforcement of regulation e the consumer the customer has presented to finalize a close the case as soon as possible. I expect to see the credit XXXX to XXXX hours again under the advisement of the State controller 's office advocacy line. If it's not reflecting the account I will contact Wells Fargo and have to see to a telephone banker manager and claims. It is that necessary but this should also serve as my legal statement or affidavit of truth with physical receipt. Issue XXXX # To Whom it may concern, XXXX The merchant provided a refund of XXXX I still have not received. If you look in the refund intiation it shows still pending on your end please fix. and credit my account. XXXX XXXX XXXX and merchant provided XXXX XXXX identifier number and they refused to assist in the back office to have it credit Submitted respectfully, 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