Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the full reimbursement of funds improperly debited from my account. Based on a documented timeline of unauthorized transactions, Wells Fargo is 100 % liable for all financial losses related to recurring payments to XXXX. The bank 's actions represent a systemic failure to protect my account and a clear violation of its duty of care and federal law. 
Factual Basis of the Claim In On XX/XX/XXXX, I contacted Wells Fargo and provided explicit instructions to cease all future recurring charges from Afterpay to my checking and savings accounts. At that time, the debit card associated with these charges, ending in XXXX, was reported as compromised or cancelled by the bank. 
Despite these clear instructions and the card 's cancellation, my bank statements show that Wells Fargo proceeded to authorize and process multiple recurring payments to XXXX on the cancelled card, or through other means, well into XXXX and XXXX. The bank 's own statements, titled " UNAUTHORIZED AFTERPAY TRANSACTIONS, '' show a clear and continuous pattern of negligence. The statements explicitly use the term " RECURRING PAYMENT AUTHORIZED, '' which proves that Wells Fargo 's system was actively reauthorizing these payments, a key point of failure. 
Furthermore, the statements show transactions on at least XXXX different card numbers, including XXXX and XXXX, in addition to the original XXXX. This indicates a broader systemic security failure and a breakdown in the bank 's ability to protect my account from a single merchant. The payments were for varying and arbitrary amounts, ranging from as low as {$7.00} to over {$65.00}, a chaotic pattern that further demonstrates a lack of ordinary care. 
Legal and Procedural Arguments Any argument by Wells Fargo based on an expired " stop payment '' order is irrelevant and invalid. This case is not based on a technical " stop payment '' request, which the Uniform Commercial Code ( UCC ) states is only effective for XXXX months. My case is based on the bank 's failure to honor a card cancellation and its duty to prevent unauthorized recurring payments on a compromised account. The bank 's action of cancelling the card was a direct instruction to cease all activity, and by processing subsequent transactions, it violated its own internal procedures and federal law.

Federal laws, such as the Electronic Fund Transfer Act ( EFTA ), found in 15 U.S.C. 1693 et seq., and its implementing regulation, Regulation E ( 12 C.F.R. Part 1005 ), establish a bank 's liability for unauthorized electronic fund transfers. My liability for these unauthorized charges should be limited to {$0.00} under 12 C.F.R.

1005.6. By making payments on a compromised or cancelled card, the bank failed to meet its basic security and fraud protection standards, which is a clear breach of its duty to its customer.Conclusion Wells Fargo 's liability is total and complete. The banks own records serve as documented proof of its negligence and a continuous, systemic failure to manage recurring payments, honor a card cancellation, and protect my account from unauthorized transactions.

The financial and emotional strain this has caused on both of us, particularly given our age and health conditions, is horrific. This is more than a simple financial loss ; it is a fundamental breach of trust. 
Please note, the detailed documentation for each of these unauthorized charges will be provided on separate documents.

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