Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bank Name : Wells Fargo Bank , N.A . 
Account Type : Checking ( last 4 digits : XXXX ) I am filing this complaint because Wells Fargo failed to properly handle unauthorized electronic fund transfers from my account, in violation of Regulation E ( 12 CFR Part 1005 ) and the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ). 

Between XX/XX/XXXX and XX/XX/XXXX, I discovered several unauthorized transactions totaling {$8000.00} on my account ending in XXXX : XX/XX/XXXX {$1000.00} ( ATM ID XXXXXXXX ) XX/XX/XXXX {$1000.00} ( ATM ID XXXX ) XX/XX/XXXX {$1000.00} ( ATM ID XXXX ) XX/XX/XXXX {$2000.00} ( XXXX XXXX, FL XXXX ) XX/XX/XXXX {$1000.00} ( ATM ID XXXX ) XX/XX/XXXX {$1000.00} ( ATM ID XXXX ) XX/XX/XXXX {$1000.00} ( ATM ID [ insert if known ] ) I reported the fraud to Wells Fargo on XX/XX/XXXX, yet the bank has failed to provide a timely resolution or provisional credit as required by federal law. 


-- - Key Issues and Bank Failures : Wells Fargo acknowledged that my account information was changed without my consent, including my phone number. 

They issued me a new debit card, which shows they confirmed an account takeover occurred. This proves I did not authorize these changes or transactions. 

Despite acknowledging this and sending a replacement card, Wells Fargo denied my claim, which contradicts their own actions and shows non-compliance with Regulation E. 

My account was linked to XXXX XXXX, which I do not use and I do not own an XXXX device. 

ATM withdrawals would require ID verification. If Wells Fargo reviewed ATM footage or matched IDs, they would see it was not me.

-- - Regulation E & EFTA Violations : 12 CFR 1005.6 ( Liability ) My liability for unauthorized transactions is limited because I reported the fraud as soon as I discovered it.

12 CFR 1005.11 ( Error Resolution ) Wells Fargo must investigate within 10 business days, provide provisional credit, and complete a good-faith investigation. They have not done this.

15 U.S.C. 1693f ( EFTA ) The bank must correct errors and provide written findings. This was not done.

-- - What I Want : Immediate reversal of all unauthorized charges totaling {$8000.00}.

Provisional credit as required by Regulation E.

Written confirmation of the investigation and evidence reviewed.

Assurance of compliance with federal law.

-- - Supporting Documents : My account statements showing unauthorized transactions.

Dispute letter to Wells Fargo and their responses.

Proof that Wells Fargo acknowledged account changes and issued a new card.

Documentation showing unauthorized changes to my personal information and XXXX XXXX linkage. 



-- - Consumer Harm : Wells Fargo admitted my account was compromised by issuing a new debit card but still denied my claim. This violates Regulation E and EFTA, caused financial loss, XXXX, and demonstrates negligence in protecting my account.

-- - Requested Resolution : I request the CFPB to require Wells Fargo to credit my account for {$8000.00}, provide proof of investigation, and comply with Regulation E and EFTA.

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