Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I wrote the following XXXX checks from Wells Fargo Bank Checking Account : Carbon copies available XXXX : Dated XX/XX/XXXX to the XXXX XXXX XXXX  ( CA XXXX XXXX taxes XXXX ) - {$300.00} XXXX : Dated XX/XX/XXXX to the United States Treasury ( IRS for XXXX taxes ) - {$2500.00} XXXX : Dated XX/XX/XXXX to the United States Treasury ( IRS XXXX Quarter estimated taxes for XXXX ) : {$46000.00} XX/XX/XXXX : Meeting in Wells Fargo Bank branch in XXXX XXXX, California XXXX after receiving letter from IRS that my tax payments not received for XXXX and assessment of late fees. I identified the following issues with checks XXXX & XXXX XXXX : Dated XX/XX/XXXX to the XXXX XXXX XXXX ( CA XXXX XXXX taxes XXXX ) - {$300.00} - Check was doctored upon imaging and processed for {$900.00} with check changed to be paid to a XXXX XXXX whom I do not know and date changed to XX/XX/XXXX XXXX : Dated XX/XX/XXXX to the United States Treasury ( IRS for XXXX taxes ) - {$2500.00} - Check was not changed on the front but Wells Fargo notified me in the appointment they could see it was endorsed on the back to a XXXX XXXX whom I do not know. 

XX/XX/XXXX : New appointment in person made with Wells Fargo Bank branch in XXXX XXXX, California XXXX after reviewing images of all my checks and identifying that another check was doctored XXXX : Dated XX/XX/XXXX to the United States Treasury ( IRS XXXX Quarter estimated taxes for XXXX ) : {$46000.00} - Check doctored with pay to the order changed to a XXXX XXXX XXXX XXXX and in the for section was written account # XXXX - Wells Fargo processed this check on XX/XX/XXXX, 2 days earlier than what the check was dated. 
XX/XX/XXXX : Checking Account No : XXXX closed Case # XXXX filed with the XXXX XXXX Police Department XXXX XXXX XXXX XXXX California. 
Fraud claims confirmation numbers for the below checks : available upon request Check # XXXX in the amount of {$900.00}. 
Check # XXXX in the amount of {$2500.00}. 
Fraud claims confirmation number for the below check : available upon request Check # XXXX : Amount {$46000.00} XX/XX/XXXX : Check # XXXX in the amount of {$900.00} reimbursed to my new Wells Fargo Bank checking account XX/XX/XXXX : Check # XXXX in the amount of {$2500.00} reimbursed to my new Wells Frago Bank checking account 7/1/24 Contacted the Wells Fargo Fraud unit after receiving a letter declining the claim for Fraud claims confirmation number for the below check : available upon request Check # XXXX : Amount {$46000.00} The letter was dated on XX/XX/XXXX from Wells Fargo and the reason given was that I am responsible for notifying within 30 days of any errors or unauthorized transactions. If this rule applied, it would have also resulted in Checks # XXXX and # XXXX not being reimbursed as they were reported the same time for similar issues. 
The XXXX unit stated the XXXXnvestigator would contact me in 1-2 business days. 
XX/XX/XXXX : I contacted the Fraud unit as no call received and no record of any missed calls or message recording Fraud unit stated they did attempt to call but I informed there was no missed call from the number they informed me the call would be coming from Fraud unit resubmitted the request to be contacted asking me to wait 1-2 business days again No call from the investigator received up to this date of XX/XX/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 explanation