Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b"1) My father - XXXX XXXX XXXX  died on XXXX  It should be noted, that when he was found and the death certificate indicated this. He died in his home, but from my own research, it is likely he died several days before. He was widowed when his spouse XXXX XXXXXXXX died in February. My father was living alone and several days of mail was stacked in front of his house. The last communication any of us had with him was in the first week of March, but from his other account interactions, I suspect he may have died on or before the weekend of XXXX XXXX) My father was quite ill for several months - actually in and out of the hospital in November and December of 2024. I provided an example of his December hospital stay to Wellsfargo  Wellsfargo enabled SEVERAL pulls in Jamaica during his Chicago IL hospital stay - which like those that appeared after his death were without question clearly fraudulent!\n \n3) For ALL the transactions in his wells fargo account over-seas - e.g. Jamaica - we were 100% certain they were not him as he was in no condition to leave the Chicago, let alone the U.S. for many months.\n \n4) We have all his belongings and no Wellsfargo ATM card was found. We are certain this was stolen, or activated elsewhere given Wells has records of MANUAL card swipes in Jamaica!  Because we know his mail often piled up outside his home especially during hospital stays, it is clear anyone could have taken his mail.\n \n5) Wells fargo acknowledged and refunded a few transactions in Jamaica as fraud that again were manual swipes on his ATM card because they clearly were WELL AFTER his death certificate (DC) reported death. This was obvious and we appreciate those refunds, however several at the same address have still not been refunded! Many transactions over the prior months occurred at the same location in clearly fraudulent activity at non-WF ATMS (see below), which demonstrated clear signs of fraud  - i.eXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were other clears signs of fraud - i.e. many transactions just under $1K often on the same day or following days. Wells should have blocked these or at minimum frozen his account. Below is a list of just some of them - those in bold were port-mortem.... You will note most all of the same were at the exact same location that Wellsfargo already acknowledged as fraudulent (post mortem). Even a superficial analysis would show that there were all fraudulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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I live in XXXX CA - so you can note logins at the IP address in California. This was shortly after XXXX. Having seen many fraudulent transactions in his account I immediately deactivated his ATM cad then reported online 6-7 transactions as fraud as that was the maximum allowed online.  I tried following-up with Wellsfargo after this, but after we provided his DC, Wells locked the account for login and I no longer had access to follow-up. Because I was not on the account, Wells would not communicate with me until I provided court order illustrating I was the Administrator of the estate. As you may appreciate, probate process often takes months. Despite this, I was able within a couple weeks to provide Wells with the court order confirming me as the Administrator/Executor. At that point we filed a larger list of transactions that were clearly fraud - but the superficial research done within Wells initially denied. After we escalated pointing out that several were post-mortem, a few were refunded, but most were not. Again - see above. This needs to be rectified. \n\n8) I mention the timing with respect to reporting in #7 above, because one Wells representative suggested we didn't report soon enough. This is absurd, because we did report the first 6-7 online (which nobody ever responded to) - and then Wells refused to communicate with me until that court order as Administrator was provided.  It should be noted, my father was not in any condition to have noted any of the fraud let alone report it.\n \n9) We closed the account in question and opened a XXXX XXXX XXXX XXXX account - so refund proceeds from the fraud can be delivered to the XXXX XXXX account.\n\nWellsfargo's fraud department already confirmed that the Jamaica location in which money was pulled from my deceased father's Wellsfargo account was in fact fraud AND was the SAME Jamaica location as many other debits. WellsFargo had to conclude these were fraudulent card swipes because they occurred AFTER my father's death - which I had to show multiple times with a supplied death certificate!!! My father was quite ill and never left the states. Those physical swipes were post Mortem in Jamaica so yes, clearly fraud. The same card (and PIN if used) were used prior to his death in Jamaica while he was in a hospital in IL. I provided documentation on that as well. He was in the United States in Illinois dying, not in Jamaica doing physical card swipes. \n\nIt was absolutely clear that my father's account had been compromised - if a physical card was swiped in Jamaica when he was in a hospital room with in the United States, and never having travel outside the United States those charges ALL the debits at the same location in Jamaica were absolutely fraudulent. Even more stunning is there were multiple debits exceeding the limit of any ATM pull ON THE SAME DAY IN JAMAICA - often several days in a row - WellsFargo should've caught that froze in the car. It did not. That was a serious fail on Wellsfargo's part.\n\nAs mentioned my father was compromised and defrauded over XXXX from his JP Morgan Chase account in XXXX  We filed complaints with the CFPB - and they helped him recover some portion, 100% confirming those too were fraudulent. My father James moved banking to Wells Fargo trying to escape the fraudsters - but the fraudsters followed him and continued with his stolen id, PINs, etc. It is clear that if any Wellsfargo debit card was physically swiped in Jamaica, that was stolen. Wellsfargo already confirmed that.  It is not acceptable to say that his pin was used - because that too was stolen!!!\n\nThe CFPB was instrumental in helping to return funds from the first sequence of fraud on XXXX XXXX last year. Unfortunately, he moved funds to Wellsfargo and the fraudsters followed him. They were well funded with XXXX of his funds to continue purging him of all his liquid assetsXXXX XXXX died with XXXX and serious debt. Both homes are in foreclosure. His entire estate was decimated."

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