Checking or savings account -- Opening an account -- Complaint #4799066
Complaint Overview
Complaint ID: 4799066
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: Virginia
ZIP Code: 22630
Date Received: 2021-10-11T12:00:00-05:00
Date Sent to Company: 2021-10-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received two emails from Wells Fargo stating I had a $ XXXX balance in two accounts ( savings and checking ). A call was made and it was determined the accounts had been fraudulently opened just the day before ( XX/XX/XXXX ). A case was created. Coincidentally on XX/XX/XXXX a PIN number was created with the XXXX XXXX XXXX for unemployment benefits. ( Note : in XXXX I did have benefits automatically submitted to an account at Wells Fargo ). Coincidentally in XX/XX/XXXX I was working feverishly with Wells Fargo to get an existing Roth IRA converted, which required a lot of paperwork that they should have already had. Wells Fargo never reached out to me after the initial call on XX/XX/XXXX. I made many phone calls and visited my local branch. ( The phone calls offered no relief. The visit is when I learned the fraud was committed on online. ) During a call on XX/XX/XXXX the Wells Fargo Identify Theft Operations member told me my social security number was used on the online application. He would not supply me with a copy of the application. Also during this call those two accounts were erased from my view online. On or about XX/XX/XXXX, I get a letter dated XXXX ( coincident? ) that the identify theft claim is complete and I am not liable... period. That useless letter took 6 weeks and an abundance of stress. I have submitted claims to many organizations including the XXXX, but have received no feedback. I am not out of any funds thank goodness, but the lack of interest at Wells Fargo is not acceptable. Personally I don't think the above is really a coincidence. All 3 credit bureaus have been contacted and I have not seen any other suspicious activity.
Frequently Asked Questions
What is Complaint #4799066 about?
Complaint #4799066 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2021-10-11T12:00:00-05:00.
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.