Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Details I am submitting this complaint against [ regarding repeated improper denials/closures of my claims for unauthorized electronic fund transfers on my Everyday Checking account ending in XXXX ( debit card ending in XXXX ). These were fraudulent transactions I did not authorize, initiate, or benefit from. The bank has denied or closed four separate claims without providing a sufficient written explanation of their investigation, in violation of Regulation E ( 12 CFR 1005.11 ) error resolution procedures. I am requesting full reversal of all charges, refund of all related overdraft/NSF fees ( no matter when incurred ), and confirmation that proper procedures were followed. Timeline and Specific Claims ( all on the same checking account/card ) : 1. Claim # XXXX : {$900.00} unauthorized purchase authorized on XX/XX/XXXX at XXXX ( posted XXXX ). Closed on XX/XX/XXXX with message : After careful review, your claim has been declined. 2. Claim # XXXX : Two unauthorized recurring payments totaling {$92.00} XXXX * {$24.00} ( authorized XX/XX/XXXX ) and XXXX XXXX {$67.00} ( authorized XX/XX/XXXX ), both marked Removed. Closed on XX/XX/XXXX and declined. 3. Claim # XXXX : {$140.00} unauthorized purchase authorized on XX/XX/XXXX at XXXX XXXX XXXX XXXX, FL. Closed on XX/XX/XXXX as Closed. 4. Claim # XXXX : {$200.00} unauthorized purchase authorized on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, FL. Closed on XX/XX/XXXX as Closed. These represent a pattern of unauthorized activity totaling approximately $ XXXX in the provided claims alone, with my overall losses from related unauthorized transactions approaching {$4000.00}. I promptly reported each as unauthorized/fraudulent and did not authorize, set up, or consent to any of these transactions or recurring payments. Violations of Regulation E ( 12 CFR Part 1005 ) : Under 1005.11 ( Procedures for Resolving Errors ), upon receiving notice of an alleged unauthorized EFT, the bank must promptly investigate, determine whether an error occurred within 10 business days ( or 20 for new accounts ), and report the results in writing. If an error ( unauthorized transfer ) occurred, the bank must correct it within one business day this includes refunding the full amount of the unauthorized transfers and refunding any fees imposed by the institution as a result ( including overdraft or NSF fees caused by the unauthorized activity ). The burden of proof is on the bank ( XXXX and related interpretations ) to establish that the transfers were authorized by me. They can not deny claims solely based on lack of a police report, failure to contact merchants, or without providing a detailed written explanation of their findings and the evidence relied upon. Any overdraft or related fees resulting from these unauthorized transactions must also be reversed and refunded as part of error correction under Reg E official interpretations ( see XXXX commentary on crediting interest and refunding fees ). I am not responsible for fees triggered by transactions I did not do.

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