Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
b"Between XXXX XXXX and XXXX XXXX THERE HAVE BEEN XXXX  DISTINCT DATA BREACHES in Wells Fargo systems and/or processes that released my personal and account information to leak. \n\nThe leaked information was then used in XXXX  PHISHING ATTACKS directed at my Wells Fargo accounts. This is documented in the attached document WFB Data Leak.\n\nA malicious actor(s) has DIRECT AND CONTINUOUS ACCESS TO WELLS FARGO SYSTEMS.\n\nTHIS IS AN ACTIVE DATA BREACH CURRENTLY affecting an unknown but significant number of Wells Fargo customers.\n\nFrom Wells Fargo website: How we protect your data\nProtecting You and Your Accounts | Wells Fargo\nXXXX 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.\nIf we notice banking behavior that differs from your usual activity, we may take the following steps to help protect your accounts:\nXXXX Send you an access code to confirm your identity before you complete actions online\nXXXX  Prevent or delay online payments\nXXXX  Decline card transactions\nXXXX Restrict access to online banking, which may require further proof of identity before it is restored\n\nWells Fargo clearly failed on each of these commitments.\n\nBetween XXXX Thursday XXXX XXXX XXXX  and noon on XXXX XXXX XXXX XXXX individual fraudulent transactions were executed in a span of XXXX  minutes in my Wells Fargo accounts totaling XXXX \n\nThat is not normal or customary transaction activity for a consumer.\n\nIn particular, I have been a Wells Fargo customer for more than XXXX  years. My pattern of transaction activity is well known to Wells Fargo.\n\nClearly, this cluster of activity fits a well known profile for an in-process fraud. Wells Fargo is familiar with this pattern and has a responsibility to protect their customers from this type of fraud.\nThis type of fraud - even if the customer is tricked into allowing access - the bank has a responsibility - as stated on their website (and recited above). The bank could have stopped this immediately or at any point in the series of XXXX  fraudulent transactions. upon identifying this pattern.\n\nXXXX XXXX XXXX  ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX XXXX  ADJUSTMENT-CASH ADVANCES XXXX XXXX XXXX\nXXXX XXXX XXXX ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX  CASH ADVANCE TRANSACTION*FINANCE CHARGE* XXXX XXXX XXXX\nXXXX XXXX XXXX ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX Branch WithdrawaXXXX XXXX XXXX XXXX\n            \XXXX XXXX XXXX  ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX XXXX ADJUSTMENT-CASH ADVANCES XXXX XXXX XXXX\nXXXX XXXX XXXX ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX  CASH ADVANCE TRANSACTION*FINANCE CHARGE* XXXX XXXX XXXX\nXXXX XXXX XXXX    ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX XXXX   ONLINE ADVANCE XXXX XXXX XXXX\nXXXX XXXX  Transfer savings to checking XXXX XXXX XXXX\nXXXX XXXX  Transfer savings to checking XXXX XXXX XXXX\nXXXX XXXX  Branch Withdrawal XXXX XXXX XXXX\n\nThese fraudulent transactions clearly fit the definition of suspicious account activity.\nWells Fargo should have blocked them immediately when the pattern appeared."

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