Checking or savings account -- Managing an account -- Complaint #4906713
Complaint Overview
Complaint ID: 4906713
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: Hawaii
ZIP Code: 96822
Date Received: 2021-11-12T12:00:00-05:00
Date Sent to Company: 2021-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XX/XX/XXXX, there were four withdrawals made from two different ATMs from my Wells Fargo Checking Acct in XXXX XXXX. The amounts were {$100.00}, {$200.00}, {$300.00} and {$500.00}. Only one ( {$100.00} ) withdrawal was legitimate. The other three withdrawals ( {$200.00}, {$300.00}, {$500.00} ) were stolen from my account. I contacted the bank by phone followed by two letters, but to no avail. They determined that there were no errors made. I know that every ATM/debit card has a daily withdrawal limit. How would anyone be able to make four withdrawals totaling {$1100.00} the same day with an ATM debit card? After checking two years of online transactions, I noted that there were many suspicious activities regarding my account in excessive charges for balance inquiry fees, non-Wells Fargo withdrawal fees, and repeated withdrawals per day. On XXXX XX/XX/XXXX, there were eight {$82.00} withdrawals and five non-Wells Fargo ATM transaction fees ( {$2.00} ) made from the same ATM- all in one day. How is that possible? On XXXX XX/XX/XXXX, there were six {$2.00} charges for balance inquiry fees. On XXXX XX/XX/XXXX, there were nineteen {$2.00} charges for balance inquiry fees. I called the bank and had these charges ( {$38.00} ) reimbursed. On XXXX XXXX XXXX, there were five {$200.00} charges for balance inquiry fees. I have NEVER done a balance inquiry on my account as the balance is always reflected when a withdrawal is made. Within the two years of transactions, there were many repeated balance inquiry fees, non-Wells Fargo ATM transaction fees, which I can not disprove unless it was exorbitant like 19 charges in one day. There are only two auto deposits ( {$920.00} and {$280.00} ) made monthly. There is one monthly autopayment ( {$310.00} ). No checks are written. Only activities are ATM withdrawals. This is a joint account with only one ATM card, which I had canceled in XXXX due to the theft of the three unauthorized withdrawals. Throughout the years, no complaints were lodged so these suspicious activities continued. If the illegal withdrawals were made late in the month, it would have gone undetected. But, it was made on XXXX XXXX, which caused my account to be in the negative. My autopay for {$310.00} had not been processed yet. Also, I was charged a total of {$100.00} overdraft penalties for the stolen monies.
Frequently Asked Questions
What is Complaint #4906713 about?
Complaint #4906713 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-11-12T12:00:00-05:00.
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.