Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank, N.A., regarding the wrongful reversal of a {$500.00} ATM deposit made on XX/XX/year>, at the Wells Fargo XXXX ATM located at XXXX XXXX XXXX, XXXXXXXX XXXX 

On that date, I deposited {$500.00} in cash into the ATM. Although the machine accepted the bills, my account balance did not update. I immediately called the number posted on the ATM and filed a claim while still present at the location. 

Wells Fargo initially credited my account with a provisional {$500.00} pending their investigation. However, on [ Insert reversal date, e.g., XX/XX/year> ], Wells Fargo reversed this credit, claiming that the cash was ejected from the machine and fell to the floor outside the ATM. I dispute this claim and have requested access to the surveillance footage, which the bank refuses to provide unless I file a subpoena. 

This reversal caused my account to go into a negative balance, resulting in financial hardship. As a XXXX XXXX  living solely on XXXX XXXX this situation caused significant distress, including XXXX  XXXX XXXX and the need to request emergency funds via XXXX to cover automatic XXXX payments. 

I have attempted to resolve this issue directly with Wells Fargo, including sending a certified demand letter on [ Insert date you sent demand letter ], which was denied. 

I am requesting your offices assistance to investigate this matter, compel Wells Fargo to restore the wrongfully reversed funds, and ensure that customers are treated fairly and transparently. 
I am writing to file a formal complaint against Wells Fargo Bank, N.A., regarding the wrongful reversal of a {$500.00} ATM deposit made on XX/XX/year>, at the Wells Fargo XXXX ATM located at XXXX XXXX XXXX, XXXXXXXX XXXX. 

On that date, I deposited {$500.00} in cash into the ATM. Although the machine accepted the bills, my account balance did not update. I immediately called the number posted on the ATM and filed a claim while still present at the location. 

Wells Fargo initially credited my account with a provisional {$500.00} pending their investigation. However, on [ Insert reversal date, e.g., XX/XX/year> ], Wells Fargo reversed this credit, claiming that the cash was ejected from the machine and fell to the floor outside the ATM. I dispute this claim and have requested access to the surveillance footage, which the bank refuses to provide unless I file a subpoena. 

This reversal caused my account to go into a negative balance, resulting in financial hardship. As a XXXX XXXX  living solely on XXXX XXXX, this situation caused significant distress, including elevated XXXX XXXX and the need to request emergency funds via XXXX to cover automatic XXXX payments. 

I have attempted to resolve this issue directly with Wells Fargo, including sending a certified demand letter on [ Insert date you sent demand letter ], which was denied. 

I am requesting your offices assistance to investigate this matter, compel Wells Fargo to restore the wrongfully reversed funds, and ensure that customers are treated fairly and transparently.

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