Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5213972

Complaint Overview

Complaint ID: 5213972

Company: Wells Fargo & Company

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Sub-Issue: Transaction was not authorized

State: Florida

ZIP Code: 34787

Date Received: 2022-02-12T12:00:00-05:00

Date Sent to Company: 2022-02-12T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX My Bank is Wells Fargo XXXX XXXX XXXX ( From Wells Fargo ) I filed a claim to Wells Fargo about a transaction total of XXXX from XXXX XXXX XXXX and I never had anything to do with them. It was 3 transactions of the following. XXXX/Bill pay/ XXXX To XXXX XXXX XXXX Credit Card XXXX/Bill pay/ XXXX/To XXXX XXXX XXXXXXXX Credit Card XXXX/Bill Pay/ XXXX To XXXX XXXXXXXX XXXX Credit Card As soon as I woke up I reported this transaction as fraud immediately to Wells Fargo and they had me create a new bank account with a new username and password. On the XXXX I went to my local police station and reported this transaction to them as Bank fraud and told me they would begin their own separate investigation into the matter. On the XX/XX/XXXX I was sent a provisional credit of XXXX. I was told that this was a temporary amount until they were able to investigate further in a letter later that the case had to be investigated further. On the XX/XX/XXXX I received an email from my local police department which had said the following " I have hit a dead-end in your case. Wells Fargo was not able to provide enough information for me to subpoena XXXX XXXX XXXX for the recipient of the funds. XXXX can not provide customer identification information with a partial card number. I see that you have been refunded the money, according to their letter, and they consider that you have been made whole. This may be why they are not retaining records that could further my investigation. Please continue to keep track of your accounts and be mindful of unauthorized transactions. '' I had taken this as my case being resolved which made me relieved and satisfied for the time being. On XX/XX/XXXX ( This following letter was sent out on XXXX/XXXX/XXXX I then received a letter basically telling me one of the following, " We have not completed our research of your claim and found these transactions were made by you or someone who had your permission to perform transactions on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. Please consider your claim closed. '' I was very frustrated by this because I had thought my case was completely done with. So apparently on the XXXX of this month, the money would be removed from my account. I never had anything to do with XXXX in my life which is very frustrating indeed and I don't even have that kind of money to be spending anyway.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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