Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Since XX/XX/XXXX was the date you applied for SCRA protections for your XXXXXXXX XXXX XXXXXXXX, well correct the narrative so it reflects that properly and removes the property address ( CFPB said no personal identifying information ). 

Here is the corrected, regulator-grade version : CFPB Complaint Narrative Wells Fargo & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I applied for Servicemembers Civil Relief Act ( SCRA ) benefits through Wells Fargo in connection with my mortgage.

As part of that SCRA process, Wells Fargo later issued refund checks owed to me. 

Prior to issuance of the refund checks, I provided written instructions that : The checks were to be issued in my name only All SCRA correspondence and refund payments were to be mailed to my designated mailing address My ex-spouse was not authorized to receive, endorse, or handle these funds Despite these written instructions, Wells Fargo issued refund checks including my ex-spouses name and mailed them to an address associated with him rather than my designated mailing address. 
During Wells Fargos review of this matter, I was informed that two separate refund checks had been negotiated without my authorization one issued during the current SCRA review and one issued the prior year. I was not aware of the earlier check until Wells Fargo disclosed it during this investigation. 

For both checks : My signature appears as an endorsement without my authorization I did not sign either check I did not provide identification for either negotiation I did not authorize anyone to endorse or negotiate these instruments on my behalf Wells Fargo has provided copies of both checks ( front and back ). After reviewing them, I completed and returned a fraud affidavit to Wells Fargo. 

Both checks were negotiated through XXXX XXXX XXXX XXXX. 

I did not authorize XXXX XXXX XXXX XXXX to add me to, remove me from, or otherwise modify any account in connection with these transactions. I later learned that my name had been added to and removed from an account without my knowledge or consent. 

On XX/XX/XXXX, Wells Fargo escalated this matter to its XXXX XXXX. I was informed that the case would be assigned to a manager for review and determination of how two refund checks were negotiated without my authorization and what corrective action would be taken.

This matter was initially represented as a 60-day resolution process but has remained unresolved for an extended period. The improper issuance of checks, unauthorized endorsements, and prolonged investigation have caused ongoing financial hardship and stress. 

I am requesting : Full restitution of both improperly negotiated refund checks A written explanation of how two separate checks were issued and negotiated without proper authorization A review of endorsement verification and internal control procedures Correction of any unauthorized account modifications Confirmation of SCRA compliance in handling my account

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