Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, Wells Fargo reported to me there had been attempted fraudulent bank transactions as well as attempted online account takeover of XXXX of my XXXX bank accounts. Wells Fargo suspended & froze all XXXX of my accounts, I had to go into my Wells Fargo XXXX that same day with XXXX forms of identification, and brought recent bills to verify my identity & discuss unusual/unauthorized activity on the XXXX accounts. The branch is : Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I met with XXXX XXXX ( XXXX XXXX I was not informed what the amount or unauthorized activity was, though was able to report I had made XXXX transactions off the accounts in question. XXXX called the XXXX Account Takeovers division, verified my identity and that the transaction attempts were not authorized or me. XXXX had a new Debit card mailed to me, however, absolutely nobody has access to my cards, phone or apps as I use facial recognition plus passwords and codes. 

XXXX week late, on XXXX XXXX, I was informed that all my accounts were again frozen due to fraudulent unauthorized transactions using XXXX and XXXX Wire Transfer hack/data breach/fraudulent unauthorized transactions. 

A significant amount of money was attempted to be stolen via the unauthorized fraudulent account takeover/data breach utilizing online account takeover of XXXX ( {$1100.00} ) and Wire Transfer ( {$9500.00} plus fees ) via the Wells Fargo XXXX XXXX from a checking and savings account. 

My prior card ( I have XXXX forms XXXX different checking accounts ) issued, which I had not yet received, was rendered void. My bank card for this business account was destroyed, a new one was to be sent out. The XXXX accounts which were fraudulently hacked online/data breached via malware of some kind on remotely hacking my accounts were assigned new account numbers. I havent received new checks. 

The banker told me I had to talk to Wells Fargo Online Account Takeover department, I called, spent XXXX hours talking to different departments, emphatically denied the large XXXX and Wire Transfer. The accounts were data breached online/hacked via malware remotely. Again. Absolutely nobody has access to my cards, phone or apps. I utilize every possible security measure. 

I had XXXX access to my money/accounts until I received the new cards. I have no checks for either of the to bank accounts. I couldnt buy food or pay bills, have no family to assist me. 

It took some days before I could look at my accounts online to check for any illicit account takeover transactions. 

Shockingly, I discovered that on XX/XX/year> ( the day after my accounts were reported to me and confirmed by me as fraudulent online account takeovers plus unauthorized online takeover of XXXX and online Wire Transfer on the Wells Fargo app, WELLS FARGO AUTHORIZED AND PROCESSED/SENT THE ACCOUNT TAKEOVER UTILIZING XXXX. WELLS FARGO ALLOWED A CONFIRMED FRAUD ATTEMPT USING XXXX TO GET {$1100.00} ONLINE TAKEOVER TO BE PROCESSED/SENT. 

On XX/XX/year>, WELLS FARGO AUTHORIZED AND ALLOWED THE ILLEGAL FRAUDULENT ACCOUNT TAKEOVER OF THE {$9500.00} WIRE TRANSFER TO BE PROCESSED. DESPITE MY CONFIRMATION THAT IT IS FRAUD! 

I AM NOT THE ONLY VICTIM THERE ARE REPORTS OF THE SAME THEFTS REPORTED ALL OVER THE INTERNET I have repeatedly disputed these fraudulent account takeovers, Wells Fargo refuses to reimburse me for their data breached/online hacking of Wells Fargo XXXX XXXX I received letters notifying me that the XXXX and Wire Transfer were done by me when I have never once used Online Wire Transfer and vehemently denied the XXXX transfer XXXX {$1100.00} On XX/XX/year>, all my accounts were once again frozen by the Wells Fargo XXXX and XXXX Account XXXX Department XXXX Due to work I could not go into the bank until XX/XX/year>. 

By this point I am very scared of Wells Fargo and seriously need my money back as its a significant amount, as well, Wells Fargo keeps freezing my accounts. 

I spoke with XXXX XXXX XXXX at the Wells Fargo XXXX XXXX listed, he called into the XXXX Department and spoke with someone who told him they were frozen as I had called in and demanded to know why the bank processed the XXXX and Wire Transfer on hold, which I denied was me. 

Wells Fargo ILLEGALLY ALLOWED MONEY I REPORTED IN PERSON WERE FRAUDULENT. YET THE BANK DECIDED TO ALLOW THE FROZEN TRANSACTIONS FOR A LOT OF MONEY TO BE PROCESSED. 

XXXX XXXX expedited a second investigation into the closed fraud XXXX and Online Wire Transfer cases Wells Fargo illegally processed after meeting in person and vehemently stating they were fraudulent. 

I have received XXXX money back. I have no update or status of the claims, which Wells Fargo ILLEGALLY ALLOWED TO BE PROCESSED AFTER I CONFIRMED THEY WERE FRAUD ONLINE ACCOUNT TAKEOVERS TO STEAL MONEY FROM ME VIA XXXX. 

The branch XXXX XXXX XXXX told me he had had many cases like mine in recent month. I did my due diligence and beyond. I have a XXXX Report XXXX ( we are served by Sheriffs not police ), reported to credit bureaus. The FTC. Ive reported to the FBI XXXX Account takeover, XXXX told me theres no way theyll reimburse me for the XXXX WELLS FARGO ALLOWED TO BE PROCESSED AFTER I MET IN PERSON WITH A BANKER. BOTH HE AND I REPORTED THE XXXX ATTEMPT FOR THE {$1100.00} IS FRAUD BUT WELLS FARGO ALLOWED THE TAKEOVER XXXX TO BE SENT WITHOUT INFORMING ME. 

XXXX told me they are reopening the wire transfer takeover case WELLS FARGO ILLEGALLY ALLOWED A CONFIRMED FRAUDULENT WITE TRANSFER FOR & XXXX PLUS FEES TO GO THROUGH DESPITE THAR BEING CONFIRMED AS A FRAUDULENT ONLINE ACCOUNT/MALEWARE/DATA BREACH TRANSACTION. 

Wells Fargo the bank ILLEGALLY PROCESSED CONFIRMED ACCOUNT TAKEOVERS/FRAUD ATTEMPTS BY WHOEVER TO GET MONEY VIA XXXX AND XXXX WIRE TRANSFER TO BE STOLEN. 

I NEED THAT {$1100.00} and {$9500.00} PLUS FEES! IT IS MONEY I ABSOLUTELY NEED AND WORKED HARD FOR. WELLS FARGO IS A SCAM BANK!

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