Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
This is not a mere question or a misunderstanding of routine billing procedures that can be resolved by referring to an FAQ. Rather, the company has materially mismanaged the account and failed to take any timely actions ... As a result, its chronological record and communications are out of sync with the timely submission of all disputes and the responses it has provided are inconsistent, inadequate, contradictory and/or conclusionary without resolve. These are operational and factual deficienciesnot interpretive or clerical questionsthat require a substantive, documented remediation ( including restoration of missing records, transactionlevel accounting, proof of receipt for correspondence, and a clear written commitment to correct the record ), not a recitation of policy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This communication is delivered pursuant to federal law and applicable New Mexico statutes and regulations and constitutes a formal demand for corrective action, accounting, and written confirmation of remedial measures concerning repeated account mismanagement and unlawful fees assessed to my Wells Fargo accounts. For over ten years Wells Fargo has repeatedly mismanaged and negligently handled my accounts, producing recurring errors, improper fees, incomplete and conclusory investigative responses, and unresolved harms ; the recent unilateral reclassification of my checking account as a military account without my authorization and the subsequent improper fee assessments are one of many such unresolved errors.

As a lay consumer, I assert Wells Fargo has failed to follow applicable law, including the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ), federal consumer protection principles against unfair, deceptive, or abusive acts or practices, the Americans with Disabilities Act, and New Mexico statutes and regulations governing banking and disability discrimination.

* * All communications regarding my Wells Fargo accounts must be in writing only to the mailing address and/or email on file. I do not have a phone number and can not call or receive phone calls or texts ; this is not a choice. No phone contact may be requested, initiated, attempted, recorded, retained, or used by Wells Fargo or its agents for any purpose, including account communications, notices, security alerts, identity verification, fraud prevention, collections, or appointment scheduling. Do not list, record, or use any phone number for my account. Provide written confirmation that Wells Fargo has removed all phone contact from my account records and that all future communications, alerts, and verifications will be sent only to the mailing address and/or email on file.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( ( ( ( ( Pattern of systemic misconduct by Wells Fargo ( XXXX and New Mexico-specific XXXX XXXX ) ) ) ) ) ) ) ) Wells Fargos conduct must be viewed against a consistent and well documented pattern of misconduct, regulatory enforcement, and remediation failures over the past decade. The following national/global and New Mexico specific headlines ( XXXX ) demonstrate that the problems I have experienced are not isolated incidents but part of a recurring pattern of mismanagement and inadequate corrective action : XXXX / XXXX ( XXXX ) XXXX Fake accounts scandal : Employees opened XXXX  of unauthorized deposit and credit card accounts to meet sales targets ; resulted in large consumer refunds, multi agency investigations, and executive departures. ( CFPB, OCC, DOJ, national press ) XXXX {$1.00} XXXX settlement and enforcement : Wells Fargo agreed to civil penalties and remediation with CFPB, OCC, and XXXX of XXXX XXXX for unlawful sales practices and consumer harm. ( CFPB/OCC orders XXXX settlement documents ) XXXX Unauthorized fees and improper charges : Widespread improper charges tied to fake accounts and poor disclosures led to refunds and supervisory actions. ( Regulator reports ; class actions ) XXXX Auto insurance and loan servicing abuses : Customers were sold unnecessary or forced placed insurance ; some borrowers faced wrongful repossessions or foreclosures. ( State AG actions ; court opinions ) XXXX Mortgage servicing violations : Inaccurate documentation, delays in loss mitigation, and wrongful foreclosures drew enforcement and litigation. ( State courts ; regulator actions ) XXXX Fair lending and discrimination probes : Investigations and lawsuits alleging discriminatory lending and account practices affecting minority consumers. ( DOJ/State AG probes ; civil litigation ) XXXX Operational and compliance weaknesses cited : Regulators identified persistent compliance and risk management failures tied to prior scandals. ( Federal Reserve, OCC reports ) XXXX Federal Reserve growth restriction : The Fed imposed operational limits and heightened oversight until remediation milestones were met. ( Federal Reserve orders ) XXXX XXXX and small business lending issues : Problems processing Paycheck Protection Program loans, documentation errors, and fairness concerns. ( XXXX/CFPB reporting ; news ) XXXX Data security and account access incidents : Multiple breaches, account glitches, and account takeover vulnerabilities reported. ( Breach notices ; press ) XXXX Ongoing regulatory fines and consent orders : Continued enforcement for XXXX XXXX consumer protection, and compliance failures. ( OCC, CFPB, and state regulator actions ) XXXX Remediation disputes and inadequate investigations : Regulators and consumer advocates criticized Wells Fargos pace and adequacy of remediation ; customers reported cursory investigations and recurring errors. ( CFPB supervision notes ; consumer complaints ) XXXX Executive turnover and governance reforms : Continued leadership changes and board level actions in response to persistent compliance issues. ( SEC filings ; corporate disclosures ) XXXX Allegations of deceptive practices and recurring consumer harm : Continued reports that investigations into consumer disputes are incomplete or conclusory, leaving customers without meaningful remediation. ( Regulatory filings ; press ) ( ( ( ( ( New Mexico specific ( XXXX ) ) ) ) ) ) XX/XX/XXXX New Mexico Attorney General lawsuit : New Mexico sued Wells Fargo for opening XXXX of unauthorized accounts in New Mexico, alleging violations of the New Mexico Unfair Practices Act and estimating over XXXX New Mexico accounts affected. ( New Mexico Attorney General press release ; complaint filings ) XXXX Local impact reporting : New Mexico news coverage and consumer reports documented the national fake accounts scandals local effects, including thousands of unauthorized accounts opened for New Mexicans. ( Local press ) XXXX XXXX, XXXX XXXX v. Wells Fargo ( New Mexico Court of Appeals ) : The court held that Wells Fargos conduct concerning mortgage related insurance proceeds justified punitive damages and remanded for further explanation, emphasizing repeated and reprehensible conduct. ( New Mexico Court of Appeals opinion ) XXXX Ongoing New Mexico litigation and complaints : Continued state level litigation, consumer protection activity, and local reporting highlight unresolved disputes in New Mexico over wrongful fees, servicing errors, and inadequate remediation by Wells Fargo. ( State filings ; local news ) State consumer outreach and enforcement : New Mexico regulatory and consumer protection offices have publicized complaint channels and remediation guidance for New Mexicans affected by Wells Fargo since the national revelations. ( NM AG and regulatory office materials ) =============================================== These headlines demonstrate a sustained pattern of mismanagement, negligent practices, inadequate remediation, and cursory investigations by Wells Fargo that materially supports my position that the unauthorized military reclassification of my checking account, the improper fee assessments, and Wells Fargos conclusory responses are consistent with corporate practices and systemic failures documented by regulators and courts. +across all accounts. I request that the CFPB consider this pattern of misconduct in its investigation of my complaint, require Wells Fargo to provide adequate and appropriate relief that ensures meaningful remediation and systemic corrective measures. 
( Reviewed headlines and sources ) CFPB, OCC, and DOJ enforcement orders and press releases ( XXXX ) New Mexico Attorney General press release and complaint ( XX/XX/XXXX ) New Mexico Court of Appeals opinion ( XXXX XXXX Wells Fargo, XXXX XXXX, XXXX ) Relevant news reports and regulatory summaries documenting data breaches, remediation disputes, and consent orders ( XXXX ) +++++The recurring, untimely responses to my complaints have precipitated unauthorized and unilateral changes to my accounts functionality ; Wells Fargo 's repeated assurances that more time is required, followed by conclusory denials of wrongdoing, are insufficient. Those discretionary actions by Wells Fargo have resulted in denial of access to ATM withdrawals and have occasioned fees, interest, and other charges attributable to unauthorized or unwanted servicesharms that require documented remedial action and redress, not further delay ++++++++++++++++++++

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