Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : The Final Ledger Entry : Unyielding Accountability for Systemic Deceit.

Case : XXXX [ AGAINST : XXXX, XXXX XXXX  and XXXX ] Wells Fargo is not merely a bank ; it is a monument to carefully curated betrayal, a machine perfected over decades to exploit trust while cloaking itself in the language of integrity. Every policy, every form letter, and every procedural pretense is a calculated act designed to obscure wrongdoing and reward the architects of misconduct. I write as a customer, and also as a witness to the ongoing theater of institutional corruption. 

Your letter is not a response. It is a rehearsed act of preservation : polished language designed to bury accountability and resuscitate the illusion of legitimacy. You invoke accuracy, policy, and professionalism from the very house that built an industry of liesthe bank that opened millions of fake accounts, forced unwanted auto insurance on customers, falsified mortgage paperwork, illegally repossessed from servicemembers, and paid billions in fines while executives kept their titles and their bonuses. That history is not background ; it is the context for everything you pretend to resolve. 

Every complaint I filedincluding those naming XXXX, XXXX, and XXXXXXXX XXXXwas routed into the hands of the very people whose conduct I challenged. The accused investigated themselves. Escalations were rerouted, evidence diluted, and outcomes preordained. The unsigned, templated letter you sent proves the playbook : conceal, deflect, and declare the matter closed. There is no review in that documentonly a cover story.

The Proof of Deceit : Final Documented Failure : Your internal power to enforce silence is invalidated by the evidence of two recent claims, which expose the continuing, systemic nature of your failure. 

Claim # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of California Civil Code 1950.6 ( as amended by AB 2493 ) On XX/XX/year>, at XXXX XXXX, I submitted a rental application to XXXX XXXX XXXX and was charged {$63.00} for a background and credit check plus a {$250.00} holding deposit, totaling {$310.00}.

California Civil Code 1950.6, as amended by Assembly Bill 2493, limits landlords to charging only the actual cost of background and credit screening, including a reasonable valuation of the landlords time. If no screening is conducted, all fees must be refunded in full.

I withdrew my application on XX/XX/year>, at XXXX XXXX, before any background or credit check was performed. The General Manager, XXXX XXXX, confirmed in writing that no screening had occurred and that the {$63.00} fee would be refunded. This written confirmation was submitted with my claim as evidence.

Wells Fargo ignored both the statute and the evidence, closing the claim in the merchants favor. This denial is consistent with the banks recent history of improper fee practices, including a class-action
lawsuit filed in XX/XX/year>. In that case, Wells Fargo was accused of charging mortgage borrowers " float fees '' without proper disclosure or consent, and then attempting to cover it up with vague refund notices and unexplained payments. The lawsuit alleges that the bank engaged in a " throw-away effort '' to minimize its liability, shifting the burden onto customers to discover and prove the damages themselves. Similarly, Wells Fargo 's handling of my claim demonstrates a pattern of prioritizing merchant convenience and internal protection over legal compliance and customer rights.

Claim # XXXX ( {$10.00} ) I submitted a claim for a {$10.00} transaction where property was destroyed. Given the established Executive Office playbookgoverned by XXXX, XXXX, and XXXX XXXX regard this claim as already dismissed against policy and evidence. Any denial of this claim will be noted as a further act of documented misconduct. I refuse any debt based on this institutional precedent.

Final Position : I will not relinquish a single dollarneither {$63.00} nor $ XXXXto Wells Fargo or any of its agents. This money is rightfully mine, earned through my own labor, and no internal policy, corporate pretense, or attempt at intimidation can alter that fact. Every record, including the misconduct of XXXX, XXXX, and XXXX XXXX, is secured beyond your reach. Interference with these funds will be met with the full weight of documented accountability. There will be no negotiation, no compromise, and no evasion. This account is closed. This matter is finished.

With the contempt your corruption deserves,

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