Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
COMPLAINT CLASSIFICATION : Bad-Faith Customer Service XXXX Systemic Portal Abuse, UDAAP Violations, and Regulatory Obstruction by the XXXX XXXX XXXX XXXX XXXX XXXX ). 1. INTRODUCTION : A PATTERN OF CORPORATE MALFEASANCE I am filing this new, escalated complaint not just to recover a missing {$6000.00} payment, but to formally report Wells Fargos XXXX XXXX XXXX XXXX ( ECMO ) for egregious, systemic abuses of the CFPB complaint portal. Wells Fargo is engaged in a calculated campaign of regulatory obstruction, utilizing automated templates, sham investigations, and illegal retaliatory tactics to conceal a catastrophic accounting failure. Despite providing irrefutable, external banking evidence from XXXX XXXX XXXX proving that a {$6000.00} payment successfully cleared the Federal Reserve and was routed to Wells Fargo on XXXX XXXX, 2025, Wells Fargos XXXX has deliberately refused to conduct a statutorily required investigation under the Fair Credit Billing Act ( FCBA ). 2. THE SHAM INVESTIGATION AND THE " AUTO LOAN '' DEFLECTION To evade auditing their credit card suspense accounts for my missing {$6000.00}, Wells Fargo fabricated a strawman investigation. In a recent CFPB response, the ECMO explicitly stated they investigated my auto loan and confirmed the missing credit card funds were not applied there. I never claimed the funds went to my auto loan. Telling a federal investigator where missing money isn't does not answer where the money is. Furthermore, in their official response, the XXXX stated they were investigating a missing payment of " {$60000.00} ''. This glaring typographical error proves beyond a shadow of a doubt that no competent human being actually reviewed my ledger or conducted a good-faith investigation. It was a sloppy, rushed, rubber-stamped deflection designed to close a federal inquiry without doing the work. 3. SUPPRESSION OF XXXX XXXX XXXX EVIDENCE & REFUSAL TO TRACE I submitted formal, line-by-line demands for Wells Fargo to produce the internal General Ledger ( GL ) posting dates and the XXXX Federal Reserve XXXX XXXX XXXX for the missing funds. XXXX XXXX XXXX XXXX confirms the funds left my account and cleared the Fed, the money is sitting in a Wells Fargo unapplied funds account. Wells Fargo has categorically refused to produce these trace IDs. By willfully ignoring the XXXX XXXX XXXX clearing data and refusing to query their backend suspense accounts, Wells Fargo is actively and intentionally concealing consumer funds. 4. SYSTEMIC CFPB PORTAL ABUSE VIA ROBO-TEMPLATES Instead of answering specific accounting inquiries or addressing Fair Credit Reporting Act ( FCRA ) violations ( such as a mathematically impossible {$12000.00} balance jump on a closed account ), Wells Fargo XXXXs XXXX spam-replied to multiple distinct CFPB complaints with the exact same, word-for-word boilerplate template. They padded their responses with completely irrelevant paragraphs about converting my already-closed XXXX XXXX into a Wells Fargo XXXX XXXX XXXX and minor clerical fixes to my credit report closure status. Product conversions have absolutely nothing to do with missing funds or Federal Reserve trace IDs. This is documented proof that Wells Fargo is operating a rubber-stamp factory to artificially manipulate CFPB closure metrics, making a mockery of federal oversight. 5. ILLEGAL WEAPONIZATION OF ARBITRATION In every recent response, Wells Fargo stated : " We received your arbitration demand. These matters will be addressed through arbitration, and we will not respond to the issues outside of that process. '' This is a breathtaking admission of regulatory defiance. A private XXXX arbitration proceeding regarding a billing dispute does not grant a federally chartered bank immunity from the Consumer Financial Protection Bureau. Arbitration does not suspend the Truth in Lending Act, the FCBA, or the FCRA. By explicitly telling the federal government that they refuse to answer to regulators because they are in arbitration, Wells Fargo is committing illegal, retaliatory regulatory obstruction. 6. DEMAND FOR ENFORCEMENT ACTION Wells Fargo 's customer service apparatus is entirely broken and operating in bad faith. I demand the following : 1. Immediate CFPB Enforcement Escalation : The CFPB must review the XXXX 's copy-pasted responses and " {$60000.00} '' typo as evidence of systemic UDAAP violations and portal abuse. 2. Mandatory Production of Records : The CFPB must compel Wells Fargos Legal Departmentnot customer serviceto produce the XXXX XXXX XXXX XXXX and a certified General Ledger extract proving the location of the {$6000.00} that cleared XXXX XXXX XXXX XXXX 3. Immediate Restitution : Wells Fargo must locate the funds trapped in their suspense accounts, retroactively credit my ledger, permanently waive all cascading predatory interest, and correct all fraudulent reporting to the credit bureaus.

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