Checking or savings account -- Managing an account -- Complaint #4985639
Complaint Overview
Complaint ID: 4985639
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: Nebraska
ZIP Code: 681XX
Date Received: 2021-12-07T12:00:00-05:00
Date Sent to Company: 2021-12-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I had my cell phone and wallet stolen from a park. The following day, my Wells Fargo debit account was riddled with fraudulent transactions, including a check deposited to my account, and the funds from the check being withdrawn via atm and XXXX XXXX. I was also locked out of my online banking account, making it impossible to see what was going on. I reached out to Wells Fargo to submit a claim. I told them my situation and that whoever had my card also had my cell phone so they had access to my online banking, phone number, and XXXX XXXX. The fraud department removed many of the invalid transactions, but denied my claim on the check and subsequent withdrawals. This has left my debit account with a negative balance of around {$5700.00}. They expect me to deposit the negative balance, even though Im not responsible for the missing funds. I have requested an appeal on the denied claim but am not hopeful in it resulting in my account being credited.
Frequently Asked Questions
What is Complaint #4985639 about?
Complaint #4985639 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-12-07T12:00:00-05:00.
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.