Consumer complaint received 2024-10-01 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: ID

Complaint narrative:
XXXX XXXX the XXXX XXXX XXXX was hit with Breach of Data. All XXXX  members had their full names, SS # 's, Date of Births, contact information, XXXX  Affiliation, employment related information, Bank account information and other sensitive information leaked to XXXX XXXX. FBI was investigating it. Tribes advised to close current accounts and get new accounts immediately. I went to my bank to change my information in the last week of XXXX. I spoke to banker about it. They asked me if my payroll was direct deposited. I told the following week it would be. So, the banker told me to wait and come back after it was paid to me and then they would close my account. But on XXXX several checks appeared in my account. I called the fraud department, and they closed my account and opened a new account. I told them its fraud because I didn't deposit anything to my account. They asked me questions and reassured me that they would investigate it. I took their word. I never received my check for that pay period it was {$1200.00}. I figured it was returned to my employer since my account was closed. I didn't ask. I notified my accounting XXXX XXXX, XXXX, that my bank account was compromised and that I got a new account. I was dealing with Wells Fargo on the fraud. All my documents were in order of all dates started on XX/XX/XXXX with {$500.00} on account not authorized. XX/XX/XXXX account is closed. XX/XX/XXXX made appointment to meet with banker on XX/XX/XXXX. Met with XXXX XXXX and found out that there were other checks, and she ordered me a new debit card for my account. She showed me on of the copy of XXXX check from XXXX XXXX XXXX XXXX by mobile app. I told her I don't use the mobile app because my check is direct deposited. I don't use that feature even though it is on the app. I no need to. Then bank sent out all copies of checks that were fictitious. XX/XX/XXXX there was money transferred to XXXX XXXX and XXXX XXXX  for a grand total of XXXX. The bank didn't not investigate it instead started to charge my account for the total amount of fraud which they told me was {$3000.00}. By the second paycheck of {$1200.00} No one said anything to me where my money was at. I went a whole month without any income. My bills were unpaid, my food is low, and my mortgage and utilities were left unpaid. My trust in this bank is at an all-time low. They allowed me to get ripped off through their mobile app and online banking. Their cybersecurity is nonexistent. I am the person alerted them to the fraud, but they are charging me for fraud. They don't care about customers. As long as there aren't any deficits on account. I called on XX/XX/XXXX and spoke to XXXX different people to get my account straightened out. Then I asked about my paychecks, and they admitted with customer rep. XXXX that they were keeping my money to pay for the fraud. XXXX keeps talking over me while I was explaining the current situation. I felt she did that on purpose. She was the main one doing that. I had - {$640.00} to pay to them. So really, they were overcharging {$3000.00}. They didn't care I had no means to live or speak to me about the fraud. I found out online that were was an unknown XXXX XXXX  card linked to my account, and I didn't know who it was and how long it was linked to my account. I told them on that phone call that card stole from me. XXXX said it stole- {$1000.00} from account. They didn't even investigate it or tell me about it. I had to investigate on my own by looking at my account online. That is pretty frustrating and upsetting. In the call, I asked them to investigate the card for sure and the links. This bank should be investigated for their mishandling of my money that was direct deposited for fraud. Abusing the trust of bank members in online fraudulent activities. They won't prevent anything they will wait until it has already happened. This is a second incident for online fraud with this bank. I definitely would not recommend this bank for any potential future banking for anyone.

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