Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Dear CFPB and Wells Fargo Executive Office, This notice serves to formally escalate my ongoing dispute with Wells Fargo regarding its handling of unauthorized transactions on my account. Despite filing three separate complaints with the CFPB, I am concerned that Wells Fargo continues to fail in addressing my concerns adequately, as demonstrated by recent events. Below, I outline my grievances and request immediate intervention. 

**Key Issues** 1. **Provisional Credits : ** - I am requesting the immediate release of provisional credits for the disputed transactions until the bank completes its investigation, as mandated under Regulation E. Wells Fargos continued delay in resolving this matter has caused me financial hardship and violates consumer protection standards. 

2. **Unclear Resolution Regarding Issued Check : ** - On XX/XX/year>, I received a check from Wells Fargo XXXX accompanied by no explanation regarding its purpose. After contacting the executive office at the number associated with the check, I was informed that XXXX, who has been involved in my case, would be able to address my concerns. 
- However, despite being routed to her department, XXXX refused to take my call, stating she was not available. This lack of engagement demonstrates a failure of accountability and transparency on the part of Wells Fargo. 

3. **Miscommunication and Avoidance : ** - The intention of my call was not initially to speak with XXXX ; however, the representative I spoke with recognized that she was the person best suited to address the issued check. Her refusal to engage adds to the perception of negligence and avoidance. 

4. **Concerns Regarding Audio Recordings and Attachments : ** - During a prior discussion with XXXX , she indicated issues with downloading the audio recording and other attachments that I submitted as part of my complaints to the CFPB. These materials were provided to ensure a thorough review of my case. Any failure to access these documents reflects poorly on Wells Fargos investigation process and raises further concerns about the integrity of the review. 

5. **Unresolved Complaints : ** - Despite filing three complaints with the CFPB , the following remain unresolved : - A complete review of the unauthorized transactions and missing credits. 
- Proper acknowledgment of Wells Fargos responsibility under Regulation E. 
- Transparent communication and resolution. 

-- - **Conclusion** Wells Fargos handling of this matter has been inadequate, as evidenced by delays, miscommunication, and a lack of accountability. I urge the CFPB to intervene immediately to ensure compliance with federal regulations and consumer protection laws. Failure to resolve this matter promptly will leave me no choice but to pursue further escalation, including legal action and public advocacy. 

Thank you for your attention to this matter. I look forward to receiving a response that fully addresses my concerns.

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