Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Comes now REDACTED and REDACTED, husband and wife hereinafter referred to as Account Holders, said Account Holders HEREBY DEMAND Wells Fargo and XXXX, any and all Responsible Parties in charge of Online Fraud Claims and further, any other parties Responsible or Effected Parties Employed by Wells Fargo and Company as follows : BACKGROUND 1. On or about the XXXX day of XXXX, XXXX, at approximately XXXXXXXX XXXX, the Account Holders identified 4 unauthorized transactions that were logged in the account records journal as follows : 1. XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. XX/XX/XXXX XXXXXXXX XXXX # XXXX 3. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 4. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. In accordance with procedures/protocol of Wells Fargo , REDACTED will go to the local branch as soon as it opens to report said fraudulent transactions ; and, 3. This is the second time anything like this has occurred, the first time was XX/XX/XXXX wherein {$2000.00} was illegally removed from the account of REDACTED ; and, 4. The amount of illegal transactions in this matter total {$10000.00} ; and, 5. All of said transactions came from outside of Wells-fargo online system there-fore it is believed that the Wellsfargo Online Account was not used to perpetuate these illegal transactions ; and, 6. We will be speaking with the listed banker in the morning ; and, Banker : XXXX XXXX Phone : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Arizona, XXXX 7. Further Account Holders have or will file reports with the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions, the FBI Investigations Division, and local XXXX Police ; and, 1. XXXX : XXXX Filed XX/XX/XXXX 8. REDACTED will be contacting XXXX XXXXXXXX XXXX in the morning ; and, 9. XXXX will be contacting XXXX XXXX in the morning ; and, 10. The Consumer Financial Protection Bureau contacted Wells Fargo and a response was provided that was the same as all the rest of the falsies provided ; and, 11. The Account Holders know that there are specific rules and procedures set down for banks/Financial Institutions by government agencies that Wells Fargo and its employees must comply with ; and, 12. The Account Holders also know that the United States government provides financial institutions funds to properly disburse to the customers until investigations are complete ; and, 13. It is hereby demanded that the Account Holders be fully reimbursed immediately for the illegal transactions herein stated, and including any bank charges etc .. that said illegal transactions have caused in the amount of {$10000.00} ; and, WELLS FARGO ADVERTISED POLICIES ON THE SECURITY OF CLIENT FUNDS 24/7 Fraud Monitoring We help keep your money safe by monitoring your accounts and may contact you if we detect unusual activity. If it's not your purchase, we will help you resolve it. We use various methods to contact our customers including email, text, push notification from the mobile app, or phone call.

Unauthorized Account Activity Under federal law, Regulation E ( Electronic Fund Transfer Act ) provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers transfers of funds through electronic methods such as, the use of a debit or credit card, ATM withdrawals, and direct deposit activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes.

Zero Liability Protection Wells Fargo Debit and Credit Cards come with Zero Liability protection1 at no extra cost. You wont be held responsible for unauthorized card transactions, as long as you report them promptly.

14. The Account Holders have evaluated the above published policies, and expect Wells Fargo to comply with rules or regulations set forth in their declarations ; and, Account Holders Claims and further Evidence 15. REDACTED reserves the right to preface this section with the following : 1. The Account Holders expect, that Wells Fargo and/or its Employees, Assigns follow their own written policies and procedures as published on their corporate website ; and, 2. The Account Holders expect, that Wells Fargo and/or its Employees, the rules and regulations of the Governing Entities of the Banking Industry , Federal Government and other Governing Entities ; and, 3. The Account Holders expect, that Wells Fargo and/or its Employees, the guides and rules of the agencies that place such to protect the citizens of this country ; and ; 4. The Account Holders shall comply with all requests and more doing their own investigations and such, and the Employees of said company are expected to communicate with either party listed on said POA see # 5 ; and, 5. Wells Fargo and its Assigns have been provided with power of attorney for both parties in this matter just to thwart the companies selective actions of communication ; and, End of REDACTEDs personal comments; and, COMES NOW REDACTED and REDACTEDr ( husband and wife ) and DEMAND AS FOLLOWS : 1. Immediately open claim and keep it open until this dispute is resolved ; 2. Provide immediate compensation in the amount illegally obtained and given out by Wells Fargo and /or its assigns amounting to {$10000.00} US , according to the rules as per Federal Government ; and, 3. It is understood that said funds in # 3 are determined to be legitimate transactions the Account Holder understand that Wells Fargo shall take back and funds that may have been advanced ; and, 4. There will be time and effort and labor by the Account Holders hereto that will be billed to Wells Fargo for any expenditure of time and labor in investigating this matter personally, billed to Wells Fargo at a rate of {$45.00} Per hour and will be payable on receipt of such invoice ( s ) ; and, 5. Compensation from Wells Fargo for any fees, charges, or any other such losses caused the Account Holders ; and, 6. Any all further such compensation that Account Holders deem just and proper.

The Account Holders REQUIRE a verbal response in this matter from a Wells Fargo Representative by the end of the business day, Mountain Standard Time, Friday the XXXX day of XXXX, XXXX. REDACTED The Account Holders also advise any concerned party hereto that they reserve the right and fully intend to contact media, applicable government agencies, media websites, or any other such agencies that the Account Holders Deem necessary. 
Dated this XXXX day of 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 monetary relief