Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Its important to note that there has been no other fraudulent activity associated with accounts I hold at other financial institutions, nor has any suspicious activity been reported by the credit bureaus or my identity protection. 

This issue is isolated to my Wells Fargo accounts. Therefore, I can say with great certainty, that my identity has not been stolen. 

How was someone able to make transfers between my accounts via telephone? Wells Fargo wont tell me because I could be a scammer and then I would know how to circumvent their system. I can say with certainty that they did not know my SS number, nor my PIN Timeline of events : XX/XX/XXXX Unauthorized telephone transfers into my checking account linked to debit card XXXX {$9000.00} ( reference # XXXX ) at XXXX XXXX  {$8000.00} ( reference # XXXX ) at XXXX XXXX  {$2900.00} ( reference # XXXX ) at XXXX XXXX  On XX/XX/XXXX the following charges were attempted and denied : XX/XX/XXXX XXXX XXXX  {$2600.00} XXXX XXXX  XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$2600.00} XXXX XXXX  XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX  XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX  XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX   {$1000.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$6900.00} XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Exceeded XX/XX/XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Exceeded XX/XX/XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$5100.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX XXXX for XXXX XXXX Exceeded XX/XX/XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX Declined for Daily Limit Exceeded XX/XX/XXXX XXXX XXXX??? 
XXXX XXXX Card Pymt XXXX Declined for Card Turned Off XX/XX/XXXX XXXX XXXX  XXXX Card is frozen by me XX/XX/XXXX XXXX XXXX   I canceled the card and ordered a new one XX/XX/XXXX - The following charges were approved by Wells Fargo {$750.00} ( XXXX XXXX ) {$290.00} ( XXXX  ) {$4500.00} ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX I dump the extra cash back into the savings account ( {$10000.00} ) XX/XX/XXXX XXXX XXXX  XXXX Password is changed On XX/XX/XXXX the following charges are credited back to my account {$750.00} ( XXXX XXXX ) {$290.00} ( XXXX  ) On XX/XX/XXXX I file a fraud claim, reference number : XXXX for the charge of {$4500.00} at XXXX XXXX XXXX This call lasted from XXXX XXXX  to XXXX XXXX  The claim failed to document the fraudulent telephone transfers XX/XX/XXXX Opened a new claim reference number : XXXX for the telephone transfers. Instead, the case is opened for the charges of XXXX and {$290.00} This call lasted from XXXX XXXX  - XXXX XXXX  The claim failed to document the fraudulent telephone transfers XX/XX/XXXX I called Wells Fargo fraud number. 
This call lasted from XXXX XXXX  to XXXX XXXX  I get passed from rep to rep and have to call back once I am told that both claims have been denied XXXX because no signs of fraud were found ( this was determined in less than 2 business days ) XXXX because the charges were credited back. The charges were indeed credited back, however, the initial charges were fraudulent. This fact has been negligently glossed over and ignored by Wells Fargo Still no mention of the fraudulent telephone charges ( again ). This has also been negligently glossed over XX/XX/XXXX I met with a banker at XXXX XXXX  XXXX XXXX XXXX, TX. Including travel time, this cost me XXXX hours The banker opened a new escalated claim Meanwhile, as of this writing on XX/XX/XXXX, I have been without {$4500.00} for 20 days Total time spent on this mess, including the preparation of this documentation : XXXX hours x my hourly billing rate of {$250.00} = {$1600.00} XX/XX/XXXX I received an email that my appeal has been denied. No evidence has been provided.

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