Checking or savings account -- Managing an account -- Complaint #13816242
Complaint Overview
Complaint ID: 13816242
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Georgia
ZIP Code: 30307
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my statement in response to Wells Fargos mishandling of XXXX consumer fraud disputes totaling {$1000.00} and the banks ongoing refusal to perform a good faith investigation. ( CFPB XXXX # XXXX ) The following summarizes the violations and failures on Wells Fargos part : XXXX. {$1000.00} Fraudulent Transaction ( Claim # XXXX ) * I reported this unauthorized transaction in XX/XX/year>. * The bank issued, then revoked, a provisional credit solely based on a digital token match, with no further behavioral or device analysis. * I provided clear documentation showing I changed my phone and number after the fraud occurred, indicating possible token compromise. * Wells Fargo never addressed this or considered common digital fraud types like XXXX swaps or XXXX XXXX takeovers. * The bank even issued a denial letter addressed to someone else ( " XXXX XXXX '' ), raising serious concerns about the integrity of the investigation. XXXX. {$70.00} XXXX XXXX Chargeback ( Claim # XXXX ) * I sold shoes via XXXX XXXX and provided evidence showing the buyer falsely claimed the charge was unauthorized. * I submitted : * Message screenshots confirming the sale. * Proof the buyer blocked me post-delivery. * Statements from XXXX XXXX indicating the chargeback was initiated by the buyers bank ( Wells Fargo ). * Wells Fargo dismissed my evidence without explanation and offered no further appeal path, despite multiple written requests. XXXX. Pattern of Denial and Regulatory Violations * I have contacted the CFPB and Wells Fargo XXXX times regarding these issues. * Every response has been boilerplate, and no meaningful investigation has ever been conducted. * This is a violation of Regulation E ( 12 CFR 1005.11 ), which mandates a reasonable and good faith investigation. * The handling of the chargeback also implicates Regulation Z and standard card network rules.
Frequently Asked Questions
What is Complaint #13816242 about?
Complaint #13816242 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
How did Wells Fargo & Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Wells Fargo & Company?
Yes, visit the Wells Fargo & Company company profile at readthecomplaint.com/company/wells-fargo-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.