Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I encountered a promotion on the XXXX platform that appeared to be an official XXXX promotional offer. This offer provided the opportunity to create, own, and operate a storefront on XXXX XXXX, In the XXXX XXXX Shop. Following this, I received a text message on XXXX directing me to the website XXXX XXXX XXXX XXXX XXXX which presents itself as a XXXX online store/video promotion platform. I was also invited to a XXXX group chat on XX/XX/XXXX with more than 20 other people who appear to be victims or targets of the same scheme. There appears to be between 4-5 Admins/Mentors. I am a Realtor who had been genuinely considering e-commerce ( I have registered with XXXX but not finalized the process ), so the offer initially seemed plausible to me. I have now realized I am not and never was enrolled in the XXXX Shop Program, and this site does not appear to be affiliated with XXXX in any way. As part of the sign-up process, I was asked to enter and confirm my email address and phone number, which the operators now possess. The site operates a task-based fraud scheme in which users pay money to fulfill customer product orders, and " promote '' or " boost '' XXXX videos with the promise of earnings. They instruct victims that they do not accept traditional payment methods, and must adhere to sending either XXXX coin or XXXX. Victims are also instructed to transfer their funds and request credit limit and daily withdrawal limits. The fake XXXX XXXX Shop site 's panel shows, for example, an advertising cost of USD XXXX and order charges of USD XXXX each ( Order ID XXXX dated XXXX and Order ID XXXX dated XXXX ). The platform then displays what has appears to be fabricated statistics ( play counts, visits, shares ) and promises, but provides no way to withdraw funds after adding without completing orders, as orders are added in attempt to increase the demand amount. You are told that you can withdraw, but only in time to put it back to complete another order. This process causes the individual to be unable to actually withdraw their funds, they are instead being made to add more to it to " complete '' another order. This is a pattern that appears to have no end, and seems to be motivated by those wishing to inflict financial and emotional harm. I have conducted further research since this incident, and I have found that the scam site ( XXXX XXXX XXXX XXXX XXXX ) that is being used as the fraudulent XXXX XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX ( XXXX, XXXX ID XXXX ), with registrant identity redacted and registrant country listed as XXXX. The domain ( created XXXX, last updated XXXX, expiring XXXX ) is hosted behind XXXX proxy IP addresses XXXX and XXXX. The funds I lost represent my family 's life savings and earnings. Upon calling my bank ( Wells Fargo ) on XX/XX/XXXX to stop the fraudulent payments that I could see being displayed as pending in the Wells Fargo app and that I was a victim of cybercrime and fraud, I was told to file a claim. I also attempted to alert them to the face that these individuals are conducting an ongoing fraudulent operation that is impersonating XXXX XXXX XXXX. I was told, " don't worry, Wells Fargo is your bank, we will help you. Calm down ''. I was provided with two claim numbers ( Claim # XXXX and Claim # XXXX ). I was then informed on XX/XX/XXXX via telephone by XXXX, their Fraud Claims Resolution Manager, that there would be no resolution, my claims would instead be denied and my account balance would continue to be in overdraft. The balance is now $ XXXX, and dropping, as I not only have car payments and insurance, but also other household bills paid through that account. When I insisted that they attempt to help, I was told that I would be given a call back in 1-2 business days. When I asked if I could call or be transferred, I was told that I could not. XXXX XXXX and XXXX are also not assisting with recovery efforts in any way. They have instead referred me to Wells Fargo and/or Law Enforcement. Please note that I have filed complaints with the Federal Trade Commission ( Reference # XXXX ), State of Florida Attorney General 's Office Fraud Unit ( Telephone : ( XXXX ) XXXX ), and FBI 's XXXX XXXX XXXX Division ( XXXX XXXX XXXX ). The XXXX Complaint is attached to this complaint. Additionally, I have further screenshots of the site 's order history, payment panel, account pages, and the XXXX individual and group chats available upon request. I am also willing to provide investigators access to my login for the fraudulent site.

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