Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Date : XX/XX/XXXX Account Holders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$9800.00} Latest Claim Number : XXXX Executive Summary I am writing to formally dispute the denial of reimbursement for two unauthorized transactions totaling {$9800.00} that occurred on XX/XX/XXXX. Despite immediate reporting and multiple attempts to resolve this at the branch and corporate levels, Wells Fargo has failed to protect my funds, failed to provide provisional credit, and has displayed a pattern of unprofessional conduct by hanging up on me and my father during several inquiries. As a member of the military starting college this spring, this loss of funds is catastrophic to my education and financial stability. 

Timeline of Events XX/XX/XXXX : Two unauthorized transactions occurred : a wire for {$7000.00} and a series of transfers through XXXX XXXX ending in a {$2800.00} wire. A claim was filed immediately at the XXXX branch. No alerts or verification calls were ever received before these funds left the account. 

XX/XX/XXXX : After three days of silence, we visited the XXXX XXXX branch. Representative XXXX XXXX attempted to advocate for us and requested provisional credit, which was flatly denied by the bank. 

XXXX XXXX : I received an email declining the reimbursement. When I called to ask for the reasoning, five different representatives hung up on me after I explained the situation. 

Recent Communications : My father began recording reference numbers due to the unprofessional behavior of the staff : Representative XXXX ( Ref : XXXX ) : Hung up on my father in a disrespectful manner. 

Representative XXXX ( Ref : XXXX ) : Also hung up while the situation was being explained. 

Representative XXXX XXXX : Informed us that the {$7000.00} wire was allegedly withdrawn at a Wells Fargo location. When my father requested evidence of the withdrawal ( video or ID of the person who took the money ), she refused to provide a straight answer. 

XX/XX/XXXX : A new claim was filed with Representative XXXX ( Ref : XXXX ) under claim number XXXX. 

Critical Discrepancies Wells Fargo claims a {$7000.00} wire was processed at a physical location and electronically through a device/phone number associated with my account. Neither I nor my fatherthe only joint ownerswere at a branch making that transaction. If a withdrawal of that size was made in person by a third party, it represents a massive security failure and a breach of the banks duty to verify identification. Wells Fargo has yet to produce any evidence ( such as a signature card or surveillance footage ) justifying why they believe this transaction was " authorized. '' Demand for Resolution I am a military member with tuition and school expenses due immediately. I am demanding : The immediate reversal of the {$9800.00} in stolen funds. 

A written explanation of the investigation findings for claim XXXX. 

The evidence used to justify the initial denial, specifically regarding the " in-person '' wire. 

Wells Fargos refusal to protect my assets and the subsequent unprofessional treatment by your phone representatives is unacceptable. I expect a response and a resolution as soon as possible. 

XXXX XXXX : XXXX ( 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 explanation