Consumer complaint received 2026-03-17 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: VA

Complaint narrative:
I. PURPOSE OF THIS LETTER I am writing to formally object to Wells Fargo 's role in the closure of my Consumer Financial Protection Bureau complaint, Case No. XXXX, without my knowledge, agreement, or consent. Your XX/XX/year> response letter references this CFPB case number and was submitted directly to the Bureau as part of that complaint process. By closing your internal case on the same day as that response while the federal complaint was simultaneously active Wells Fargo 's actions contributed to the effective closure of my CFPB complaint before I had any meaningful opportunity to dispute your findings. I want to be unambiguous : I never agreed to close CFPB Case No. XXXX. I never indicated to the Bureau or to Wells Fargo that my concerns had been resolved. I did not authorize or consent to any closure of this complaint in any form. This letter serves as my formal, written objection to that closure and my demand that Wells Fargo acknowledge the impropriety of their complaint-handling conduct. On XX/XX/year> response letter was submitted to the Consumer Financial Protection Bureau as Wells Fargo 's official response to CFPB Case No. XXXX. In that same letter, Wells Fargo stated : " We have closed the case as of the date of this letter. '' This statement was made on the same day the letter was issued meaning Wells Fargo closed their internal case and submitted a response to the CFPB simultaneously, leaving me no window to review the response, identify its deficiencies, and submit a rebuttal through the CFPB portal before the case was effectively considered resolved. The CFPB 's complaint process is specifically designed to give consumers the ability to dispute a company 's response and request further investigation if the response is unsatisfactory. By closing the internal case the same day the response was submitted to the Bureau, Wells Fargo undermined that process and denied me the consumer rights the CFPB 's system is designed to protect. When I attempted to update my CFPB complaint in response to your inadequate letter, I found the complaint had been closed and I was unable to add my rebuttal. This is a direct and harmful consequence of Wells Fargo 's conduct. The closure of my CFPB complaint is especially egregious given that Wells Fargo 's XX/XX/year>, response was wholly inadequate and failed to address the substance of my complaint. Specifically : 1. The letter admitted the conversion was a surprise but offered no remedy. The opening paragraph of the response acknowledged the account conversion " may have come as a surprise '' to me. This is tacit admission of inadequate communication, yet this acknowledgment was used as a sympathy statement rather than a basis for any corrective action or compensation. 2. Wells Fargo cited a notice requirement but produced no proof notice was sent. The letter quoted the account agreement 's requirement to notify customers in writing ahead of any changes, but at no point did Wells Fargo provide any evidence. No copy of the notice, no date of delivery, no method that this notice was actually sent to me before the XX/XX/year> conversion. XXXX. Wells Fargo denied my complaint while simultaneously redirecting me to XXXX. The letter found no error on Wells Fargo 's part yet directed me to contact XXXX directly for resolution of the very issues at the heart of my complaint. The conversion 's impact on my rewards, my XXXX XXXX card concerns, and the interest rate issues. Wells Fargo can not deny a complaint and redirect the consumer to another party for resolution in the same letter. That is a direct contradiction and confirms the matter remained unresolved at the time of closure. XXXX. Wells Fargo applied an incorrect standard to deny my compensation request. My complaint was about deceptive disclosures and unauthorized account actions, not a technical processing error. The " no bank error '' standard is legally insufficient for the type of consumer protection complaint I filed. XXXX. Wells Fargo deflected the rent payment issue entirely. The suggestion to " consult with your landlord directly '' did not address my complaint that I was misled into believing my rent payment process would remain unchanged. My landlord had nothing to do with the misleading representations Wells Fargo and XXXX made to me during the account conversion. I want Wells Fargo to understand in clear terms the harm that has resulted from your conduct. As a direct result of the undisclosed account conversion and the automatic 24-hour checking account debit I was never informed about, I have completely and unexpectedly depleted my personal savings. This financial shock was entirely avoidable had Wells Fargo been transparent about what the conversion entailed. The loss of my savings has caused me significant stress, anxiety, and ongoing financial hardship. On top of that, the burden of having to file a CFPB complaint, receive an inadequate response, discover that my complaint was closed without my consent, file a formal dispute of the closure, and now file a new CFPB complaint specifically about Wells Fargo 's bad faith complaint handling has been exhausting and deeply disruptive to my life. I am formally demanding {$5200.00} in compensation to address these harms an amount I have consistently requested across all communications and formal complaints in this matter. Because I was unable to reopen or update CFPB XXXX XXXX. XXXX after Wells Fargo 's actions contributed to its closure, I have filed a new, comprehensive CFPB complaint specifically addressing Wells Fargo 's unilateral case closure conduct, the inadequacy of your XX/XX/year> response, and the ongoing unresolved issues. That new complaint references this letter, your prior response letter, and all related documentation as supporting exhibits. All written communications from Wells Fargo including your XX/XX/year> letter and any response to this letter are being retained as part of the formal record submitted to the Bureau. I am requesting, as I have previously stated, that all further correspondence from Wells Fargo regarding this matter be provided in writing only. I am formally demanding the following from Wells Fargo in writing : XXXX. A written acknowledgment that CFPB XXXX XXXX. XXXX was closed without my consent and that Wells Fargo 's simultaneous internal case closure on XX/XX/year> contributed to that outcome. XXXX. Reopening of Wells Fargo internal XXXX XXXX. XXXX and a substantive written response to the specific issues identified in this letter and my prior dispute letter of XX/XX/year>. XXXX. Production of documented proof that prior written notice of the XX/XX/year> account conversion was sent to me, including the date, method of delivery, and full content of that notice. XXXX. A direct written answer to the allegation that I was misled about the impact of the conversion on my rent payment process and finances not a referral to XXXX, and not a statement that no bank error was found. XXXX. Reconsideration and approval of my compensation request in the amount of {$5200.00} to address the financial hardship, depleted savings, stress, and undue burden caused by Wells Fargo 's conduct. XXXX. A written response to this letter within XXXX business days of XX/XX/year>. I have been a good-faith consumer throughout this process. I have contacted Wells Fargo directly, filed a formal CFPB complaint, submitted a dispute of your unilateral case closure, and now written this letter documenting your role in closing a federal consumer complaint without my consent. I have been thorough, patient, and persistent. What I have not received in return is honesty, accountability, or resolution. I am asking Wells Fargo to do the right thing and reopen this matter, answer my questions directly, and compensate me fairly for the harm your conduct has caused. I expect a substantive written response no later than XX/XX/year>.

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