Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
REFERENCE NO : XXXX CURRENT CASE NO : XXXX ; PREVIOUS CASE NOS : XXXX ; XXXX ; XXXX Wells Fargo is willfully and purposefully hiding and losing our information. Calling them is a waste of time. 

This is just another form of Fraud and Abuse created by Wells Fargo Bank and its Employees but instead of Fraudulent Accounts. It involves useless case numbers that lead you, the victims, to nowhere. 

According to their records. My information in their system does not match. My address, phone, SSN, employment, and email have all been fraudulently tampered with by Wells Fargo employees. 

With each recorded phone call I have requested that the information be changed. Every time I call and have to verify myself. I have to use an old address that I never gave them and phones numbers listed are not mine. 

XXXX left wondering, who are they calling back? Its not me. 

There are XXXX XXXX XXXX Accounts. They can only locate XXXX fraudulent accounts. XXXX remain missing, or willfully hidden in their system as they can not be located apparently due to age. 

Per their own records. Fraaudulently enrolled in a Product ( I did not ask for ) and I recently discovered its existence from a letter I had received from Wells Fargo XXXX XXXX. 

According to their records. My information in their system does not match. My address, phone, SSN, employment, and email have all been fraudulently tampered with by Wells Fargo employees. 

There are XXXX Unauthorized Fraudulent Accounts that have been opened in my name. They can only locate XXXX fraudulent accounts. XXXX remain missing, or willfully hidden in their system as they can not be located apparently due to age. 

During my own investigation I discovered that my address, phone number, SSN, employment, and email have all been fraudulently tampered with by Wells Fargo employees. 

My personal data was manipulated by Wells Fargo XXXX from within and without my knowledge or authorization, or consent. 

Records indicate that I lived in places that I did not and the years I lived there. I had multiple phones numbers listed, none of which were mine. Unknown emails were listed that were not mine. I was also given an employer in which I have never worked for. 

This is a severe case of Internal Fraud and Identity Theft. The perpetrators were Wells Fargo Bank Employee which is highly illegal, as it involves multiple federal and state crimes, including bank fraud, aggravated identity theft, and falsifying bank records and those are serious felonies. 

There were {$10.00} and {$75.00} Internal Reoccurring transfer fees that occurred to fund these XXXX Ghost Accounts from my own personal authorized checking and savings account. 

Unauthorized Fraudulent Credit Card purchases were made. I received some or only partial credits. The credit total that I did receive Do Not match the amount of money that was stolen from me. 

Credit Ruination : These deficits were then placed on my credit reports with different amounts and were the resold and some appeared multiple times. 

I paid {$950.00} to clear my own credit but to no avail as it was reappearing monthly. So I gave up trying to repair it. 

I have called Wells Fargo several times for help and hoping for restitution. I have received none except multiple case numbers that lead nowhere, nor can they be found in their own system. 

Each call takes around XXXX minutes of my time and each call has resulted in much sorrow and grief. I have had to retell my traumatic experiences each time with Wells Fargo repeatedly. 

XXXX call resulted in such trauma and anxiety that it caused a physical breakdown. These calls are definitely not good for me or my XXXX XXXX Having to keep repeating myself is abuse. 

CHRONOLOGY OF RE-VICTIMIZATION ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX : Initial contact regarding Ref XXXX. Will take XXXX  days. 

XX/XX/XXXX : Received a surprise check for an undisclosed fraudulent XXXX XXXX XXXX policy. No ledger or explanation was provided despite repeated requests. 

XX/XX/XXXX : Called customer service spoke XXXX with XXXX information on XXXX  policy. XXXX locate my information. Having system issues call customer service for assistance. None was given. 

XX/XX/XXXX : Called a local branch asking for information and help. No assistance given, Contact XXXX XXXX for issues. 

XX/XX/XXXX : Mailed letter to Wells Fargo and received no response and my letter didnt return. 

XX/XX/XXXX : Called a different local branch for assistance told to contact customer service. No assistance given. 

XX/XX/XXXX : Office was closed. 

XX/XX/XXXX : Office was closed. 

XX/XX/XXXX : Spoke with XXXX regarding the XXXX fraudulent accounts verified by the XXXX, Arizona branch, unknown phone numbers and emails attached to my name, overdraft fees and stolen money. 

XX/XX/XXXX : Spoke with " XXXX, '' who claimed he could only locate XXXX fraudulent accounts and XXXX accounts were " missing '' from the system due to age. 

XXXX XXXX XXXX XXXX  Called to speak with XXXX told XXXX was out of the office and left for the day. Left message to call back. Out for the holiday. 

XX/XX/XXXX : Received surprise check for only {$150.00}. Nothing else was addressed and due to high stress and trauma I accidentally broke my phone. Case was closed. 

XX/XX/XXXX : Phone call resulted in such trauma that it caused a physical breakdown and the destruction of my phone. I am forced to repeat the same heartbreaking losses. 

XX/XX/XXXX : Spoke with " XXXX '' I retold my story yet again ( Case number XXXX. Requested mediation. Explained the death and Dismemberment policy and requested follow up information, the XXXX unauthorized fraudulent accounts, fraudulent junk fees, deaths, home loss, my stolen money. Listed family on same case XXXX. Stated someone would call me back. No call received. 

XX/XX/XXXX : Spoke with " XXXX. '' He stated the previous case was '' lost in the system. " I suffered physical chest pain and respiratory distress while being forced to repeat my trauma. 

XX/XX/XXXX : Spoke with " XXXX. '' Discovered my name, address, and phone number werestill incorrectly recordedin your system despite my prior corrections. I requested XXXXMediation Form by mail, as I do not trust Wells Fargo with my electronic signature. 

XX/XX/XXXX : Spoke with XXXX. Requested mediation. She could not locate my files. Stated will go to dedicated claim rep and receive call back in XXXX days. No call backs have occurred XX/XX/XXXX : XXXX and XXXX with XXXX requesting information on my deceased mother. Could not locate anything on a customer of XXXX  years. 

XX/XX/XXXX : Transferred to XXXX XXXX and spoke with XXXX. Can not locate my mothers information. No case number or information given. 

XX/XX/XXXX. I am XXXX XXXX. I refuse to use your electronic systems. I demand all communication and mediation forms be sent XXXX. Mail. I will not be silenced while your representatives " lose '' my information as the clock winds down and the deadline approaches. 

This is a clear pattern of " re-victimization and abuse '' by your employees by losing my files and then forcing me to repeat my trauma with each call then given useless case numbers that lead nowhere. 

XX/XX/XXXX : Spoke with XXXX. she stated she was having technical difficulties and cant find me or my mother in the in the system. Same repetitive answers. Cant find you in the system. Stated she didn't exist. 

XX/XX/XXXX : As of today, no forms have been received, no dedicated phone representative has been assigned, and no escalated call-backs have occurred. 

" In less than XXXX years, I have been forced to cycle throughover XXXX different representatives, each offering the same scripted excuses : they " can not find the information ' or my entire file has been 'lost in the system. ' This is inexcusable and I need your help. 

If the level ofinstitutional chaos Wells Fargo Bank can produce in just XXXX  months, imagine the total devastation and financial ruin XXXX  managed to manufacture in XXXX XXXX their systemic wide spread fraud. '' IMPACT STATEMENT : FINANCIAL DEFICIT AND FAMILY TRAGEDY : The " financial shortfalls '' created by Wells Fargo employees were not mere banking errors ; they were diabolical acts of cruelty that destroyed my family : Wrongful Death Environment : My fiancee, passed away during the month their fraudulent fees hit me the hardest. My mother died because of them. An incredibly inhumane act of cruelty, caused by the deficit created by your fraud. Causing immeasurable grief. 

Loss of Home : The foreclosure of my primary residence was the direct result of habitual {$35.00} cascading overdraft fees, {$10.00} and {$75.00} internal transfer fees, and the weaponization of my identity to fund " Ghost '' accounts. 

Intergenerational Harm : This loss can not be quantified. 

FORMAL DEMAND FOR RESTITUTION : I demand XXXX % Full Refundplus interest for : XXXX. Housing : The full value of my lost home XXXX U-Haul rentals, XXXX storage units, and all deposits/rental properties. 

XXXX. Theft : All {$35.00} fees, NSF fees, {$2.00} phone fees, {$10.00} and {$75.00} unauthorized wire transfer fees, monthly maintenance fees, unauthorized health insurance, and fraudulent credit card purchases. 

XXXX. Identity : Damages for the " weaponization '' of my SSN, address and employment data. 

XXXX. Estate Redress : A full investigation and archival search into the accounts whom Wells Fargo also victimized through financial elder abuse. 

XXXX Credit : {$950.00} for out-of-pocket credit repair and damages for ruined credit. 

Irrefutable evidence of the property lost due to the financial deficit manufactured by Wells Fargo employees : Date of Forfeiture : Our property was sold, at the height of my credit destruction caused by these " Ghost '' accounts and fees. 

Total Equity Loss : Our home sold for {$110000.00}. As XXXX, the property sold again for {$460000.00}. I am claiming the loss of {$340000.00} in equity appreciation, plus interest, as direct consequential damages of your bank 's fraud. 

Evidence of Credit Obstruction : Because your employees " weaponized '' my identity and credit, I was unable to refinance this property or prevent the foreclosure sale, which eventually resulted in the repossession of our home. 

Forensic Accounting : A full breakdown of the {$7000.00} XXXX XXXX XXXX  check and the " inner transfers '' between all XXXX identified and any unidentified accounts. 

Correction of XXXX : Official acknowledgment of the XXXX fraudulent accounts and not XXXX, and the falsified contact information used to hide this fraud from me. 

I am XXXX XXXX. Under the XXXX CFPB XXXX XXXX, I am entitled to mediation forextraordinary harm. I refuse to use your electronic systems. I demand all communication and mediation forms be sent XXXX. Mail. 

I will not be silenced while your representatives " lose '' my information as you purposely let the clock wind down hoping I miss the deadline. 

I do believe they are purposefully taking their time, withholding information, and deliberately losing my case numbers, hoping I will give up and go away. 

FORMAL DEMAND FOR RESTITUTION AND INVESTIGATION : I am formally demanding that Wells Fargo honor the court-ordered mandates and stop the inhumane game of losing our information to run out the clock as the XX/XX/XXXX deadline approaches.

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