Checking or savings account -- Problem caused by your funds being low -- Complaint #5844349
Complaint Overview
Complaint ID: 5844349
Company: Wells Fargo & Company
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Non-sufficient funds and associated fees
State: California
ZIP Code: 92104
Date Received: 2022-08-04T12:00:00-05:00
Date Sent to Company: 2022-08-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello I was recently victim of a work at home job scam which eventually lead to the closing of my bank account being closed. My bank ( Wells Fargo ) had put a check through which I received at the inception of this scam but lead me to believe that this entity was legitimate. Especially since I had recently been informed of a charge in XXXX which they contact me on and I denied so they closed my account with my permission and sent me a new card with a new ATM number and also, I am going through a separation/divorce and my partner deposited funds on the second settlement from a savings account rather than the checking he normally did and the bank froze the funds for 7 days. With this kind of protection in the recent past I assumed that when the check cleared from the unknown scammers it was a sign that the bank authorized it and it was a legitimate account. After the so-called job HR person had me transferring funds via money apps I figured something was not right. Three days later my bank sent me an email telling me they closed my account and the check was a fraud. I contacted them and told what happened and they reopened a new account for me but placed the fraud check charges into my new account as a debit and has left me negative and anything I deposit as payment for this scam. I have sent them all of the documentation of the scam and asked for a manager to contact me ( see below ) but received no response. What can I do? XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX mobile. XXXX email. XXXX Email to Wells Fargo Online Fraud Department : Dear Online Fraud Department, I called on Friday to request that a manager call me regarding several claims that are being investigated due to a work scam I fell victim to. At the present time my account ( ATM # XXXX XXXX XXXX XXXX ) is in a negative balance due to transfer done using apps and cash at an XXXX atm. The whole start of this process began when a check was deposited by myself via mobile app ad was approved by Wells Fargo it was that moment when I assumed that the individuals I were dealing with were legitimate. I have had experiences with Wells Fargo where I was protected immediately one a deposit from my husband for a settlement that was made from a different account and these funds were held for 7 days. Another is a call from Wells Fargo where some activity was occurring in a foreign country and I was contacted and the charges were stopped and my account closed and a new card issued. I find it hard to believe that a fraud check would not have been caught within the days that it took to contact me regarding these scammers. I am now in the process of a divorce and limited on funds and my account has already begun sending back charges due to the negative amount from this scam. I would like to speak to a manager and go over what I feel, as a member of Wells Fargo for over 25 years are having to feel the impact of a scam. Thank you for your time and attention. My contact info is below.
Frequently Asked Questions
What is Complaint #5844349 about?
Complaint #5844349 was filed against Wells Fargo & Company regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2022-08-04T12:00:00-05:00.
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.