Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To the Wells Fargo Executive Office and Accounting Department : This document serves as a formal demand to produce a line-by-line payment trace for every transaction remitted from my external checking account to Wells Fargo. Because your system is reporting an erroneous balance that mathematically fails to account for cleared funds, I require verifiable proof that every single payment listed below was correctly routed out of your internal suspense accounts and successfully applied to the principal of my specific accounts. You are required to provide the internal General Ledger ( GL ) posting date and the matching 15-digit Federal Reserve ACH Trace ID for every item on this checklist. Failure to produce the trace for any single item will be submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) as an incomplete investigation and a refusal to account for missing funds. PART 1 : Wells Fargo XXXX XXXX ( Ending in XXXX ) Instructions for Wells Fargo : Provide the internal posting date and trace confirmation for each of the following cleared payments. XXXX Clearances : [ ] XX/XX/XXXX : {$150.00} ( AutoPay ) [ ] XX/XX/XXXXXXXX : {$5700.00} ( AutoPay ) [ ] XX/XX/XXXX : {$5700.00} ( AutoPay ) [ ] XX/XX/XXXX : {$6000.00} ( AutoPay ) [ ] XX/XX/XXXX : {$6100.00} ( AutoPay ) [ ] XX/XX/XXXXXXXX : {$6000.00} ( AutoPay ) [ ] XX/XX/XXXX : {$5700.00} ( AutoPay ) [ ] XX/XX/XXXXXXXX : {$5600.00} ( AutoPay ) [ ] XX/XX/XXXX : {$5600.00} ( AutoPay ) [ ] XX/XX/XXXXXXXX : {$5600.00} ( AutoPay ) XXXX XXXX Clearances & Disputed Items : [ ] XX/XX/XXXXXXXX : {$5900.00} ( AutoPay ) [ ] XX/XX/XXXX : {$5900.00} ( AutoPay ) [ ] XX/XX/XXXXXXXX : {$5900.00} ( Provide trace and explanation for the " ADJUSTMENT-PAYMENTS '' reversal on XX/XX/XXXX ) [ ] XX/XX/XXXX : {$6000.00} ( CRITICAL : Provide the unapplied funds query and exact GL location of this missing remittance ) [ ] XX/XX/XXXX : {$6100.00} ( AutoPay Attempt ) [ ] XX/XX/XXXX : {$6100.00} ( AutoPay Retry ) [ ] XX/XX/XXXX : {$100.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) [ ] XX/XX/XXXX : {$380.00} ( AutoPay ) PART 2 : Wells Fargo Auto Loan Instructions for Wells Fargo : To rule out cross-account contamination of the missing {$6000.00} payment from XX/XX/XXXX, verify that every recurring ACH draft below was strictly applied to the auto loan ledger and that no external funds were erroneously swept into this account. [ ] XX/XX/XXXX : {$500.00} ( WELLS FARGO AUTO XXXX : DRAFT ) [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] XX/XX/XXXX : {$500.00} [ ] Acknowledge and verify all prior unlisted {$500.00} monthly drafts from account inception. Final Demand : I expect this checklist to be returned to me with corresponding internal ledger verification for every item. Do not reply with a generalized statement that the account has been reviewed. Produce the data. Sincerely, XXXX XXXX

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 non-monetary relief