Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Initial contact XX/XX/25 @ XXXX via XXXX XXXX responded to a message on XXXX from a XXXX persons saying they wanted to buy XXXX items from me on XXXX XXXX XXXX XXXX name : XXXX, XXXX XXXX XXXX name : XXXX XXXX Text photos saved of conversation ; money attempted by seller to send through XXXX. Sent messages from both sellers saying their money was sent to me but was in a holding pattern because it was sent through their business account and in order for the money to be released my account needed to be verified. 

I received an email from what looked like XXXX with XXXX logo entitled XXXX account services ; title : buyer paid you {$350.00} payment on pending call us now XXXX. I called the number which I thought was XXXX customer service. The representative ( who I know know was a scammer ) - and in reading the email details which said there is a credit concern from XXXX and since my account was not an account of a business user, the amount was over my limit to accept and it was urgent to take steps to expand my list so that the outstanding funds are paid to my account and the business owner or person purchasing is not out money. It explained that I needed to also make my account a business account and to do so I needed to ask the purchaser to send me an additional payment of {$500.00} which then I would need to accept and refund them. The purchaser sent the funds and continued to message me over XXXX about it requesting me to refund them the money. 
XXXX XXXX was the fake purchaser who needed the refund of {$500.00} ; XXXX. XXXX to XXXX XXXX XXXX XX/XX/25 ; XXXX The scammer called me back at a new number XXXX which was through Washington DC XXXX 

My account wasnt able to refund the money and we went through with the fake representative various ways to try to get them the money back. all of this was pressured by the scammer and he was acting very aggressive with me and I was fearful that I was going to be accused of taking their money under false circumstances. 

When these things did not work to return the money, he asked me to sign up for cash app and had me call him so he could remote into my phone to guide me through the set up quickly to get the money returned. I unfortunately did this because he said it was urgent and I was fearful. 

He had me sign up for XXXX, I went through the process through the app on my phone. Then when this did not work, he had me also try XXXX. I questioned him throughout feeling uneasy and he then had me do a transaction, he had me wait and he returned the money so I felt safer. I asked multiple times to speak to his supervisor and he just kept me on the line with no supervisor- at XXXX point for about XXXX minutes or more. Then came back on and had me try a zelle transaction to get this done and verified to get everyone their money back. I made XXXX separate zelle transactions over the next XXXX hours with him assisting me for {$1500.00} each. 
XXXX was to email XXXX XXXX XXXX XXXX ; confirmation XXXX on XX/XX/25 XXXX then to XXXX XXXX XXXX for business expansion confirmation : XXXX on XX/XX/25 This is when he got further aggressive on the phone with me and I said no and hung up on him. I realized it was a scam calling the XXXX customer service number above and it was no longer in service, googled another XXXX customer service contact number trying to get another representative to help me and then XXXX told me it was a scam. I immediately closed my XXXX account and went back through everything, called my bank Wells Fargo around XXXX on XX/XX/25 and went through the transactions on XXXX of my Wells Fargo checking accounts to report fraud and set up reports with my bank. 

I then called XXXX and reported the fraud to them directly and closed my account and deleted the app off my phone. I did the same for XXXX, but that was not done through an app rather their website on my phone and nothing had gone through after double checking. 

I looked up what else I need to do and filed a fraud report with the federal trade commission online on the government website. 

I filed a report with IC3 ; Internet crime complaint center- through gov- submission ID : XXXX Called the police to file a report morning of XX/XX/25. Police report # XXXX I put a fraud alert on my account with XXXX 
Reported all transactions as fraud to XXXX XX/XX/25 via online reporting system. 

On XX/XX/25, called Wells Fargo to check status of the fraud claims because nothing had been sent from Wells Fargo and no status updates provided to date. Talked with a fraud claims resolution manager who resubmitted the claims after their denial to the executive office of Wells Fargo. Referenced federal regulations like the EFTA and discussed with Wells Fargo that these transactions were fraudulent inducement and had been reported to Wells Fargo within XXXX hour of it happening on XX/XX/25. Wells Fargo rep said these details were included in the report.

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 monetary relief