Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Subject Formal Complaint Unauthorized Debit Card Issuance and Unauthorized Withdrawals ( Regulation XXXX Violation ) To Whom It May Concern, I am filing a formal complaint regarding Wells Fargos denial of my fraud claim involving unauthorized debit card issuance and unauthorized electronic fund transfers that occurred on XX/XX/scrub> 2025. 
I did not request a replacement debit card, did not authorize the creation or change of a PIN, and never received the replacement debit card Wells Fargo issued. Despite this, Wells Fargo allowed a debit card I did not request to be activated and used. 
On XX/XX/year>2025, an unknown individual used this unauthorized debit card and PIN to : Withdraw all funds from my checking and savings accounts Conduct XXXX in-branch cash withdrawals Make multiple ATM withdrawals Make multiple debit card purchases, including at XXXX XXXX and XXXXXX/XX/XXXXAll fraudulent activity occurred on the same day and resulted in the complete depletion of my accounts. 
I reported this activity promptly and filed a fraud claim. Wells Fargo denied my claim and has refused to review security footage from the XXXX XXXX branch on XXXX XXXX XXXX, despite the fact that multiple in-branch withdrawals occurred without my presence or authorization. 
Under the Electronic Fund Transfer Act ( Regulation XXXX ), these transactions are unauthorized electronic fund transfers. I did not provide the card, PIN, or consent for these transactions, nor did I receive the card that Wells Fargo issued. Wells Fargo is legally required to conduct a reasonable investigation, including review of ATM records, teller logs, and branch security footage. 
Issuing a debit card I did not request, allowing a PIN to be established without my authorization, and permitting in-branch withdrawals without verifying my identity constitutes a failure of Wells Fargos security controls. 
I dispute Wells Fargos denial and request : A full reinvestigation of my claim Review of branch security footage, teller logs, ATM records, and IP/phone records used to order the debit card and establish the PIN Reimbursement of all unauthorized withdrawals and purchases A written explanation identifying the specific evidence Wells Fargo relied upon in denying my claim, as required by Regulation XXXX I have reported this matter as identity theft and bank fraud and will provide supporting documentation upon request. 
This complaint is submitted in good faith. I expect Wells Fargo to comply with its obligations under federal law and correct this matter promptly. 
Sincerely, XXXX XXXX XXXX Amounts XXXX withdrawal at branch XXXX withdrawal at branch XXXX withdrawal at branch XXXX withdrawal at branch Unauthorized purchase XXXX Atm withdrawal XXXX Atm withdrawal XXXX Atm withdrawal XXXX Atm withdrawal XXXXXX/XX/XXXXUnauthorized purchase XXXXXX/XX/XXXX Unauthorized purchase XXXXXX/XX/XXXXUnauthorized purchase XXXXXX/XX/XXXX Unauthorized purchase XXXX Unauthorized purchase-XX/XX/XXXXXXXX Unauthorized XX/XX/XXXXtransfer 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 monetary relief